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
US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent
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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.
Source: Comex
Nasdaq Top Gainers and Losers
Source: Nasdaq
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.
Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding
Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.
Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.
Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.
Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )
How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:
Debt / Loans
Asset Based Financing
Alternative Hybrid type solutions
Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas
If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).
Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.
The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.
Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.
We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.
Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.
If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.