It is that time of year when feverish preparations begin – the Examination Fever. Many young students are getting ready for the biggest test of their academic lives, one that will determine their choice of career and how their futures will shape up. The 10th standard examinations or Board Examinations follow many patterns according to the syllabi and the academic councils the schools are affiliated to. Getting high marks and percentages overall in all subjects is key to enhancing chances of a good education in a reputed institution; therefore students should take extra steps in equipping themselves well in the preparations for exam study.Students at this level have six to seven subjects with allocation of marks and grades combined for a subject grouping. Mathematics and Science take predominance over other subjects like Social Studies, English or Other Languages. This is because for most technical courses post school and getting admitted into college depend on excellent percentages in these two subjects. While subjects like English depend on the student’s excellent uptake of grammar and presentation of answers in a neat format with the relevant points concisely written, Mathematics and Science depend largely on accuracy in answers and results.Some examination tips for High School• By understanding the format of exams corresponding to the syllabus undertaken, a student can work out a study schedule depending on subjects that need more attention and time. Having a timetable based subject-wise and topic-wise will greatly benefit your study schedule; always remember to complete the schedule as per the timetable you have prepared• Referring to previous question paper samples and guides helps obtain an insight into the kind of questions that can be expected and prepare a mental plan on how to answer the questions• Resorting to malpractices or depending entirely on memorizing content can be disastrous. In case of exam panic or a wrong move, the mind goes into a freeze making thinking and recollection difficult. It is better to understand content, rephrase questions on how best to bring out the answers and keep doing the tasks over and over to perfect the method and analyze and correct mistakes, especially in problem solving• One of the best ways to retain content the student has read is to write down points or make brief notes that will help to remember key points to prepare the flow of content• When in doubt, seek help. Parents, teachers, friends, guides are always around to help clear doubts. Published guides help but where they fail is the kind of one on one interaction that you can have with peers and superiors• Learn to practice time management which is very essential in answering question papers. Practicing writing speeds can help improve answering skills when time is of utmost importanceBesides these academic tips, there are several other areas that the student has to keep in mind when preparing for Board exams.i. Choose a study area without distractions and ambient noises from traffic, TV screens, computers and other gadgets that can be a disturbance or intrusion. Conversations with friends can be restricted to times when you take a break from studyingii. Getting proper nutrition, exercise and sleep recharges the body and fills it with energy resources which are very essential. Skipping meals and sleeping less will tire the body and mind and leave you exhausted by the time examinations arriveiii. Avoid places and situations that can cause anger and negative emotions to surface. The unnecessary anxiety and worry will not help in any wayiv. Always take constant breaks from study to re-energize the mind and body. Cramming the brain with too much information or too many facts in a short span of time is not a good idea. Take time off to indulge in a favorite hobby like listening to music, painting or photography; going for a short walk and meeting friends for a cup of coffee is a good idea provided this does not cut into your daily study schedule and you are able to get back into study mode again
Board Examination Study Tips
4 Tips To Managing Your Business Loan’s Interest Rate
How can you or your business better manage its current interest rates?Four tips:1) Should You Have A Loan In The First Place?Interest rates are essentially a cost of doing business. Thus, just like any other cost to your company, if your interest rate is too high compared to the returns that those funds will bring in via increased revenue or through cost savings – then you are better off not taking the loan in the first place.What better way to manage high interest rates then not to have to pay them.And, if you already have the loan in place (say to buy some new equipment or inventory), if the loan is costing more than it is worth to the business sell off those assets and pay back the loan. It will be better for your business in the long run.2) Understanding Your Interest Rate:Most rates are based on some risk profile of the borrower. Either credit history, cash flow realization or use of funds.Think about it. A borrower realizes that running a business is not all that easy and simply walks away from their business loan. That is a big risk especially in this economy.Or, a business’s cash flow is barely enough to cover the loan payment to begin with then has a slow revenue period. Will that business be able to make the next loan payment?Or, a borrower wants funding to open a new online business. But, that business is an online gambling site that could be shut down by the government at any time.If you understand how and why lenders price loans, then you can work to mitigate those risk factors (like improving your credit and cash flow or running a legitimate business).Thus, you take away their reasons to charge a high rate or increase your interest rate. Even if you have already taken the loan, when your situation improves, go back to the negotiation table and threaten to take your business elsewhere.You can only help yourself through knowledge.3) Protect Yourself Before You Take The Loan:Small increases in interest rates really should not effect your payment all that much (unless it is for very short-term loans like under 12 months).Example: Let’s say you have a $100,000 business loan at 8% for 3 years. Then, your rate increases to 10%. Your monthly payment will rise less than $100 per payment. Not great but not really all that bad either. Here is why:When making your decision to take a loan, you should always understand what you are getting in return for that new cost. If a $100,000 loan costs you $12,000 over three years in interest, then those funds should return much more to your company over that same period. If it does not, you should not take the loan.But, you should also create a buffer in your revenue estimates especially if you know the economy is in a rising interest rate environment.It your rate does not rise, then that is pure benefit to your company. But, if it does, you are protected or have managed for it.Let’s say your business requires a 30% return on investment and a $100,000 loan will cost you $12,000 over its life. Thus, your company needs to realize some $145,000 to achieve that 30% ($100,000 in principle with the remaining to cover your interest costs and return requirement). Thus, you make sure or look for projects that will return at least that amount.Or, if you think your rate will rise or we are in a poor economy like we are now, then add a cushions. Only accept or look for projects that will return $150,000 or more. Thus, your interest rate can rise a few percentage points and your business will still realize that 30% return.The goal here is to manage your interest with your decision before you request any outside debt or funding by picking the right projects or getting a business loan for the right situation only.4) Paying More:You can always manage your overall interest rate by paying more in principal. Thus, instead of paying more in interest over the life of the loan to your lender; work to reduce the principal that they can charge interest against.A $100,000 business loan at 10% for three years has a payment of $3,227. And, if you pay the loan out, your total interest would be $16,162.But, if you add a little extra to your payment each month (say $580 or 18% increase in your payment) then your overall interest for the life of the loan would drop to $12,811 – essentially making your interest rate 8% (not 10%).Here, you are paying more to reduce principal (to your benefit) then to your interest (their benefit).Further, you end up paying off the loan 7 months earlier.The higher your interest rate gets (say with a variable rate that keeps rising), the more benefit paying additional principal will help.The bottom line is that in a rising interest rate environment, your will pay more. But, you can also manage your business loans to ensure that what you do have to pay is being paid to your benefit and not just going to your financial company.
Budapest stag do activities
Why organize your stag do weekend in Budapest?
Stunning architecture and the river Danube running through make Budapest a wonderful destination for stag and hen trips.
Drinks and Party Cruise on the Danube River, crossing the city with views of the spectacular architecture, is ideal for a bachelorette and bachelor party. Another great option is a relaxing weekend at a luxurious spa with hostess girls. Budapest is a great city for food tours, where you can try the national wine of Eger and Somlo and taste traditional Hungarian dishes at a feast to celebrate the last single life.
Adega Faust is one of the oldest wine cellars in Europe and where you can enjoy the best wines and taste mouth-watering meat and other delicacies.
Not only the wonderful daytime tourist attractions can be found in the capital of Hungary, on the contrary, the nightlife in Budapest is famous, magical, pulsing, with options of bars, clubs, busy streets, pub crawls, among others.
It is a universal city, which attracts many young tourists, which is sure to find a very lively nightlife and no end time. The options range from places with free admission (most of them) and there are also clubs that charge admission, but nothing too expensive and not worth it.
One of the main night attractions in Budapest and also very popular for stag do groups are the ruin pubs, old mansions restored and transformed into curious spaces; most of them with a decoration, let’s say, extravagant or curious. They are located in the Jewish quarter, or District 7, which is considered the busiest neighborhood at night, ranging from the most alternative to the classic.
The local currency favors us, making the cost in Budapest, as well as throughout Eastern Europe, much cheaper compared to other metropolises in Europe, both in relation to the price to enter and in relation to the consumption of drinks. In this article, check out tips on cheap bars, pubs and clubs, with the best value for money and the top night spots in Budapest.
List of some popular stag do activities in Budapest:
Pub crawls
Boat cruises
Gun shooting
Paintball
Strip dinner
Quad driving
Limo hire
Party bus tours
Bubble football
Stag pranks
The top stag destination in Europe is definitely Budapest. In addition to having a very charming atmosphere, it offers many daytime and nightlife stag do activities, different environments, and parties. The capital of Hungary is very rich in opportunities and options for fun and for hard players. Please keep in mind that almost all of the activities can be used during the hall year due to climate change Budapest is “open” for stag do groups any time.
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