Payday Loans: A Fast Answer For Your Money Crush

Payday loans go along with many varieties like a military day loan, a foul credit history day loan, a no credit check day loan, a fax less day loan, a paperless day loan, a 1 hour day loan, and an internet day loan. each individual will get a quick approval since the appliance will be done by fax or email abundant trouble free. Hence, most of the people contemplate obtaining a day loan is far easier and easier than ever. As long as you will be able to guarantee yourself that you just can afford to pay back it and rates of interest, a day loan will be a fast answer for your money crush.

Payday loans enable individuals with no credit to induce a loan up to seven hundred North American nation bucks in just one business day. So, if you have got very little credit, applying for a day loan is so plausible. Commonly, a day loan is employed to hide sudden expenses during a touch. Otherwise, you're merely liberal to use a day loan for any reason. what's additional, payday loans supply fast and straightforward money for everybody. what is more, you are doing not need to give plenty of proof once applying for a day loan.

Reasons To Buy Life Insurance

Are you still hesitant to buy life insurance right away? Maybe you have been bothered of the complexity of insurance industry. Meanwhile, you should know that you will receive great benefits by buying life insurance. Buying life insurance either whole life insurance or short term life insurance can be your long-term investment for your family’s future interests and sustainability. There are several other reasons that will urge you to buy life insurance immediately.

         The first reason is to ensure that your family will not get a financial ruin in the event of your death. Financial troubles can be a nightmare for your whole family and more so that if it occurs on the event of your death. The second reason is to make a proper financial plan for your entire family. If you do not make you family suffer from serious debts for decades after you die, you should buy life insurance now. Buying life insurance is not merely to cover or protect yourself but also your family members. That is why you had better consider purchasing life insurance for your entire family as well. Today, every person can even buy life insurance online. So, are you ready to buy life insurance now?

Shop Around Before Buying Car Insurance

Comparing car insurance quotes will give us a very significant result to obtain the cheapest car insurance. We should prepare some basic information such as personal details and car make. In other words, we should allocate some time to shop around before buying car insurance. When we fail shopping around, we might not be able to obtain the most affordable car insurance. Therefore, shopping around is very important before buying car insurance.

          We should realize that not all insurance companies are created or built equal. For example, we have found out that a specified insurance company offers discounted prices. We had better take it for granted. We need to be selective because some insurance companies offering discounted prices tend to give lousy services. Vice versa, insurance companies offering good services usually offer more expensive policies. Hence, we must ensure that we can buy car insurance which we are comfortable with both level of protection and policy. To cope with that, we can visit several insurance companies. Or, we can go with a car insurance broker who will recommend us with the best coverage. Doing a car insurance quote comparison online can be the quickest way to compare rates from multiple companies much easier and quicker.

Online Payday Loans Beat the Alternatives in Covering your Financial Problems

         A payday loan is a short-term loan to assist you in covering your spending needs. It is secured beside your future salary. Recently, payday loan is more well-known and many people like to apply it to cover their unexpected needs that rise. If you need money quickly and unexpectedly for example because of car accident or house repairing, online payday loan can be a good choice to assist you covering your problems.

The payday lenders in our network require some qualifications; such as you are at least 18 years of age, able to maintain your regular income, and having a direct deposit in your local bank. If you meet those qualifications of the lender, you may be on your way to getting the cash you need.

        Online payday loan is much easier than going to a payday loan store and it is faster and more convenient way to get the cash while you are sitting at home. Many lenders offer payday loan up to $1500. Moreover, by using our online loan service you don't have to worry about forgetting the necessary documents. Online payday loan will guarantee your transaction information privately. So, none will know you got a fax less payday loan. Are your interested? Contact Easy Online Payday Loan as soon as possible!

4 Best Ways to Make Your E-Learning Session a Lot More Interesting

Providing a variety of e-learning courses is not enough to keep your popularity intact. Soon you may find the number of registrations dipping lower for your classes and thus adversely affecting your revenue generation strategies. You must have already started thinking on how you can rewind back to those days when people eagerly awaited to enroll in your classes. You must work on making your e-learning classes all the more interesting and appealing and a good way to do is to have a look at the following points that I have discussed below.

Introduce More Interactive Sessions

I Increase the number of interactive sessions to communicate more frequently with students. Select a date and time for these interactive sessions and in such meetings, discuss and debate on areas that need improvement. Encourage the learners to come up with questions so that instructors get the opportunity to resolve matters in real-time. Communication is crucial for the success of every project and thus you should ensure it is done with utmost care in case of online education.

Reward Your Students

You must reward top performers in your online classes. Rewards act as great motivators for people and therefore giving certificates or small tokens of appreciation to students can inspire them to perform even better and fetch high grades in examinations.

Come Up with New Ideas

There is no ground to believe that individuals who have enrolled for your e-learning class cannot offer you new ideas for better class conduct and management. Hence, ask them to come up with innovative ideas that will help manage the class in a much better fashion and in a professional manner. Of course, it is you who will take the final call but constructive suggestions always welcome. You may come across concepts and ideas that may be really helpful. In this way you will also be able to gather individual opinions and feedback about the rate of success or failure of your classes.

Is Your Course Adding Real Value?

While much is being said about interaction and rewards, what actually matters to a potential student is how far the course will help him fulfill his dreams in order to build up a successful career. Thus, first and foremost, as a class organizer, you should try to develop courses and programs which are in demand. Do a thorough research on what exactly the target audience is searching for on the internet - the type of degree or diploma programs that is getting the highest number of registrations every year, etc. Based on the study, try to chalk out an effective plan with immediate short term or long term consequences.

Michael young is a professional trainer. He employs latest technology for online class registration and online training registration that results in more attendance and ROI.

Successful Steps to Good Essay Writing

Often students try to avoid essay writing in their normal study course. However, they forget that essay writing is the most important part of the curriculum. Today due to competition there is a high expectation from students. With the burden of academic subjects, students often become careless about essay writing. They do not get enough time to think about developing a good essay writing skill.

However, with the advent of technolofy, things have become quite easy for students. The online essay writing services educate the students how to write a good essay.

Consider these simple steps and become a professional essay writer:

1. Consider essay as a process and not a task bounded with deadlines. You have to consider reading, thinking, planning and organizing your thoughts. You have to understand the topic and study about the topic. Primary research is very important before drafting your thoughts. Once you are finished with research process, start thinking creatively about the topic and make notes or pointers, which will help you during documentation process.

2. The blank screen or paper in front of you while drafting essay is the most difficult part of the process. You must sketch out a plan before writing. Once you have written down your points, start assembling these points. Give each point a logical heading; this will help you to elaborate your points. These will later develop into paragraphs of your essay.

The most important subheads will include:

An introduction, which will explain the sources of your study

Main body, which is an analysis of your topic. It will include the opinions, comments and findings. You can quote about some scientific research or media studies.

Conclusion is where you force the reader to accept your points. You can conclude with quotes or even end with a question that will boggle reader's mind.

All these points will give you an outline to your essay writing. Do not stick to one point. This makes the reader disinterested in your writing.

3. Your correct English is the most compelling part of essay writing. Use simple but correct English. Your essay may not be flowery in writing but must have substance in the subject. If it is argumentative, you must collect enough data to make it genuine. To improve on these points you must read many editorial sections from magazines or newspapers.

4. Try to make a rough draft of your essay before submission. You must read it aloud and look for any changes if required. If your essay is long or it is a dissertation, you must prepare small drafts of paragraphs and then try to focus on each paragraph. Try to make pointers on these paragraphs, which will help you during the assembly of all paragraphs. Do not lose track of your point or argument. In case if you are lost, refer to points.

5. Essays are small samples of knowledge. You cannot elaborate on an endless discussion. You must give it a strong voice and back up with supportive arguments and discussions. The essay must invoke reader's thought process. Keep everything in moderation. Do not lose your focus.

Essay is an array of thoughts and ideas. Right alignment of thought process with strong command over English develops a person from good essay writer to professional essay writer.

E-Learning Solutions - Providing Educational Tools for the Future

Though it is widely understood that e-learning is beneficial, many organizations are still overwhelmed by its manner of implementation. Extensive planning is required before the very first stage, and this is where e-learning consulting comes into play.

Through consulting, the skill gaps of learners can be assessed and e-learning courses can be recommended at the pre-implementation stage. In terms of technical requirements, one can understand the hardware and software requirements for e-learning solutions as recommended by consultants. Coordination between stakeholders is also required and the buying needs has to be obtained from different department heads, which can be managed within available time and budget. Once the program starts, efficacy learning can be improved by user feedback as per organizational needs.

Technical support should be available 24 hours a day. Program glitches can appear at any time, and dedicated technicians must have the capability and experience to resolve such issues.

E-learning can be imparted through various platforms. Mobile learning can be achieved by using applications on mobile devices such as cellular phones, net books and tablet PBs. This way, one can easily gain knowledge while on the move. Mobile devices are also faster in communication than computers.

Training programs designed using e-learning solutions are more effective than traditional ones. These provide the trainees with interactive platforms to actively engage them, and make them think innovatively. For a manager to be successful, it is essential for him to think innovatively in any tough situation.

Not only can e-learning be imparted in organizations, but also in educational institutions. To retain the current generation's attention, it is vital to make learning fun and interactive. This helps the students grasp technology at an early age and engages them for a substantial duration, which would normally not be possible through classroom teaching. However, one must realize that e-learning solutions are here to support and not replace classroom learning.

Over the last 3-4 years, companies have faced stiff challenges with respect to incurred costs, which trickle down to the training department as well. Training managers are repeatedly told to look for innovative and value-added methods of skill enhancement. Leadership encourages departmental heads to efficiently utilize resources, for future risk mitigation. This is where e-learning outsourcing comes into play.

Using e-learning has known to decrease overall training costs by 25-50%. Outsourcing will allow reputed e-learning companies to design solutions for the business, such that the business can focus on developing its core products.

Online Education - How It's Benefitting The Corporate World

Workforce is the most important asset for any company. Knowledge and skills drive a company to success. There is no substitute to skills. Considering the pace at which life runs today, it becomes imperative for companies to keep up all the time with the changing and ever-evolving environment. For achieving this, a company must employ proactive and versatile people who conform to changes quickly, adapt new technologies and effectively work with them and way of working with dexterity.

In order to achieve this you, as an employee, must be well versed with the latest developments in your field of work. You must supplement your knowledge from time to time with the advancements in technology and methodologies used in your area. There is no second opinion on the fact that dynamism and robustness are the most sought after traits in any employee. A company thrives on an employee's ability to think and implement out of the box ideas and an employee gets rewarded on the basis of the workability and effectiveness of his ideas.

In such a scenario, it becomes extremely important for an employee to think of means by which he can add to his knowledge base and skill set. With the advent of technology and increased use of internet, there is a growing shift towards online education. Internet is serving as an effective medium for adding to one's knowledge. With many apprehensions and misconceptions clouding its effectiveness in the past being shed over time, online education has finally emerged as a cost and time-effective method of gaining knowledge and is amassing wide acceptability and popularity.

However, it must be ensured that the online learning process is streamlined. Randomly gathering information off the internet will get a person nowhere. Many esteemed and highly reputed colleges have opened up avenues for professionals who wish to benefit from the amazing online platform and earn solicited degrees while pursuing a job. There has been a spurge of colleges offering innumerable courses catering to all kinds of requirements of the industry. From management to design, there is no dearth of opportunities available.

Given the fact that time is the most powerful resource at one's disposal in today's time, an online course from an accredited university is the wisest decision you can make in order to scale greater heights in your present job. Addition of a good degree to your resume also opens up new avenues and uplifts you in the eyes of recruiters from different companies, thus giving you a shot at changing your job role, level of responsibilities, or company.

Online Education Vs On-Campus Education

The advent of internet and technology has not just made our lives easier, but also brought many facilities to our doorstep. The education industry for instance has been completely revolutionized with the online education platform. The greatest advantage that internet technology brings to the field of education is that it makes it extremely convenient and accessible. This is especially so for professionals who are bound by their work schedules and find little or no time for full time on-campus education. Professionals looking to finish their education or adding to their credentials and skill set are greatly benefitted by the innumerable online courses available today.

This trend is being greatly realized and more and more organizations are waking up to its many benefits. Now that the misconceptions and apprehensions regarding the effectiveness of education and degree earned through an online medium have been removed, online education is gaining popularity over traditional classroom education.

The main advantage offered by an online course is the flexibility of scheduling and the wide range of choices. Owing to busy schedules, most professionals opt out of further studies in order to carry on the responsibilities of their work life and jobs. When questioned about it, as many as 78% professionals expressed a desire to study further, but could not follow through due to reasons relating to lack of time, busy schedules, responsibilities and even high prices and commuting problems in case of on-campus programs.

On close inspection, you would find that maximum points out of the above are resolved by online education, thus the popularity! An online course is such that a person has total control over the subjects that he / she wishes to study, time the classes according to his / her schedule, complete the tasks and assignments or sit for exams at his / her convenience. The lessons are taught online by highly experienced and extremely proficient faculty. There is effective interaction between faculty members and students in every study group. Students raise question and get their problems solved on the spot by the teacher through chat or through emails. There is a healthy discussion among batchmates in every batch and some pertinent and quality questions are raised and discussed. The interaction in the group is aided by online face to face chats. This builds healthy work relations and encourages peer group learning.

The benefits and positive points from the traditional method of classroom learning have been incorporated into online learning. An online course can be opted by professionals of all ages and from any sector or field of work. This makes an online study group a melting pot of people from different professional experiences and educational backgrounds.

An online degree helps enhance your skills and at the same time provides fresh perspectives and problem solving techniques. The best part about going in for an online course is that one can earn an accredited degree from a reputed college while working by paying a fraction of amount paid in case of on-campus education. Moreover, the cost of boarding and commuting are cut, thus making online online education an extremely cheap and effective substitute to on-campus education.

It's true that an on-campus program confers a sense of belongingness and a lifelong alumni status to a student. However, this need of students opting for online education has also been catered to by top colleges that now offer lifelong alumni status, access to library, and other such perks enjoyed by full-time students.

It is important that before opting for a program and study group, one familiarizes oneself with the batchmates and makes sure he / she is compatible and comfortable with them. This is required because the timings and schedules of classes are generally decided with a mutual consent and availability of most students.

Also, it is important to ensure that the institute from where one decides to pursue a course is accredited and enjoys a good status. Apart from this, online education and a degree earned online is now at par with on-campus education and enjoys the same status.

How Online Degree Programs Can Be a Great Way of Satiating Your Desire for Higher Education

A failure in fulfilling your desire for higher education should not perplex you as long you have a successful and high- paying career. However, education does not come with the sole purpose of preparing you for a rewarding field of work, though it is certainly one of the most essential objectives of academic degrees. Consequently, encountering an obstacle in your way of attaining higher education can affect your career or compel you to choose a different path altogether. When it comes to the field in which you are supposed to be working, it is of utmost importance that the area generates sufficient interest in you, the absence of which can turn life into a rather boring one. Thus, you will eventually feel the need to resume studies and this time, take up the subject of your choice. Since, you cannot afford to compromise your career or family life for the sake of higher studies, you should consider enrolling yourself for the online degree programs.

Online education emerged primarily with the purpose of offering a scope to those with a dream of pursuing education but with certain problems that keep them from doing so. The flexibility of the online degree courses ensures that the students can complete their assignments at any time of the day. Thus, with a little planning, you can actually climb a step further towards getting yourself Bachelors or Masters Certificate without hampering the other priorities in your life. It is perhaps needless to mention that the online degree obtained would not only satisfy you in terms of fulfilling your dream of higher-level education but also confront you with excellent career opportunities.

Apart from the obvious flexibility that online education facilitates, it is also a wide variety of subjects taught online that play a significant role behind the popularity of the online degree programs. Let us take the subject of Criminal Justice into account. Besides being an extremely interesting discipline, it offers job prospects that are appealing and lucrative, in terms of both money as well as status. An individual with an online criminal justice degree becomes entitled to work as a police officer, a correctional officer, a law enforcement officer and so on, positions that bestow him with lots of responsibilities while also rewarding him equally.

Online degree courses are not as expensive as many would apprehend. On the contrary, many of the prominent colleges and Universities grant scholarships and financial aid to students, further relieving them from the necessity of a huge investment.

What Are the Advantages of Distance Learning?

Nowadays, the demand for distance learning is at an all-time high, and many universities, colleges, government agencies, and organizations are offering online courses and programs. Distance learning has opened doors and opportunities for many people who may not have the time or resources to attend conventional scheduled classes. As the Internet becomes an integral part of people's lives, it's logical that they desire an alternative such as distance learning. Still, the question has to be addressed. What are the advantages of distance learning? Let's take a look.

Flexibility

Perhaps, the greatest advantage of distance learning is flexibility. Even if you are enrolled in a school or college where you are a full-time student, you can still take a course via distance learning. Assuming that you want to take a course which is not available in your school, you can easily find a school that offers that course and take the course via the Internet. As long as you have a computer and Internet connection, you can study for the course or courses anywhere in the world. In this sense, people from all over the world can enroll at any school which offers the programs or courses of their choice, without having to leave their countries. Also, most distance learning modules allow students to set their own schedules so they have complete control about how much time they want to spend on a particular subject and so on. More importantly, they can study at their most optimal times, thereby increasing efficiency and effectiveness. Distance learning is especially suitable for working parents who want to continue their education or upgrade their skills because they really don't have the time to attend scheduled classes.

Numerous Schools

If you have ever tried to search for a school that offers distance learning for the courses or programs that you are interested in, you will be amazed at the number of available choices. In fact, there are so many schools that you may be quite confused about which school to select. Well, it's always better to have more choices than just a few, right? With the Internet, you can find out about the best schools for a particular program, and you can perform research to find out which school is most suitable for your purpose. Ever thought of learning Japanese at some famous Japanese school? You can do that with distance learning.

Lower Costs

Since you are not required to be physically present in the school of your choice, you will save some money on transportation. Presently, the price of gas is getting higher and it has an impact on transportation costs, making it more costly to travel. For international students, it translates to quite a lot of savings because they don't have to purchase air tickets or worry about rent, and other living expenses. Without having to travel to the school, distance learners also save a lot of time, over the long run. Typically, schools charge a lower fee for online courses in comparison to the on-campus course due to lower overheads.

Bible Colleges Online: 5 Schools and 10 Things To Remember

Looking at Bible colleges online, I recently noticed that many people have an interest in a degree. It's really a great opportunity - you study in a field that benefits your local area, and you study while at home.

When you finish, your neighborhood continues to benefit, and you continue to grow. You can even extend out into missions and outreach programs.

But who are these Bible colleges online? Actually, several schools offer a degree online. There are: Trinity College, Ames, and Christian Leadership College to name a few.

You can also look at Calvary Chapel's program, and the appropriately named OBC, or Online Bible College.

Let's get into the list of what to do:

1. Select Your Field

While it will be an online Bible degree, you still have choices. Be sure you feel comfortable with the degree you will work toward.

2. Requirements

These can be tricky. When you select a program, be sure you understand the real requirements. I once looked at a program for another degree that required me to be on campus for several weeks, even though the degree was called an online degree.

That would be a bad surprise after spending a year on the classes, only to find out you had to shell out more money for an on-campus class and a few weeks away from home.

3. Costs Are Important

Who builds a house without counting the cost, right? Be sure you have a plan for reaching your goal. And check with the school to see if the financial aid office has some help in the form of scholarships, grants, or perhaps loans if you have no other way to finish.

4. Scholarships

Apply for all the private scholarships that you qualify for in your field.

I know this seems like an obvious thing to do, but so many students in your shoes won't ever apply for a scholarship. Not even one. Take the time to apply for scholarships, and you may win some.

It's free money, and you can probably use the help to finish your online college degree.

5. Student Interaction

As you look at the different Bible colleges online, make sure you will get enough interaction with your fellow students. When you graduate, this network can really help you to excel and grow if you keep in touch with them.

6. Church Placement

Will your online school offer you any job placement help? You should check. After all, you will want to use your degree when you finish. If you need to find a job, then you should go to a school that offers some placement assistance.

7. Bibles, Textbooks and Supplies

Some online colleges and universities now offer all online textbooks. Others might guarantee to buy back your books when your class is over if you want to sell it.

And others will bill you over $100 for each textbook and assume you want to keep them all. Look into it - it can save you hundreds of dollars.

8. Technical Equipment

With some much education going online lately, you will want to know what the Bible colleges online you consider require in terms of computers. Also, you can check to see which schools have mobile apps to help you study and keep in touch.

These little things can help you keep up with your classes and communicate with your professors throughout your degree.

9. Time Commitment

Of course, getting a theological degree of any kind online will require some time commitment. Have thought about how much time you have to devote to the program?

Be sure that the program you select will work well with your life. A lock step program can get you done faster, but a more open program will offer more flexibility.

10. Ministry

In getting your degree through one of the Bible colleges online, you might find that you need to participate in a local congregation, maybe as a volunteer. Do you have a church in your area that you like?

Check with your online college so that you can be prepared for these assignments, and benefit the believers in your area.

Exam Anxiety - From Panic to Passing Tomorrow's Exam

Studies conducted by numerous institutions of higher learning indicate that an overwhelming number of students suffer some form of exam anxiety. And it is no wonder! The amount of time spent in preparation for exams stretches toward two extremes:

• Waiting until the last-minute, and then cramming

• Never quite learning the skills needed to prepare ones' self for the inevitable exams

Among many students, the last thing they are concerned about as each new semester begins is passing exams. They tend to begin each semester full of hope and resolve. They feel confident that they'll grasp all of the information given to them during classes and lectures. But as time passes, many students slowly begin to lose that resolve.

Instead... self-doubt begins to erode their good intentions.

It's not your fault! Human nature tends to convince students that the best way to pass an exam is to wait until it's almost upon them. This is when exam anxiety begins to build. If you find yourself in this leaking boat, here are some tips to ease the pressure before it becomes too much of a distraction:

5 Steps to a passing grade

1. Review all of your notes. (You do take notes, don't you?) If you don't have complete notes, see if a classmate will loan you his/hers. Begin by writing down a list of all the points you think will be listed in the exam, while keeping in mind that NOT EVERYTHING will be included. Do not waste time studying the points you know-concentrate on the points you do not know or do not fully understand.

2. Using a scale of 1 - 5, give weights to the subjects you need to concentrate upon-1 being a topic needing the least amount of study.

3. Decide how much time you will need to thoroughly cover the weak topics, even if this means skipping that part-time job or even classes. Studying for an exam is a fulltime pursuit so use every available minute for study. We learn most through our visual sense, but the second best means of memory retention comes from audible input. So make your own voice recordings. Most computers have a built-in audio recorder. If not-download Audacity at Audicity.com.

4. If the exam is just a heartbeat away, plan on doing nothing else but studying. There are websites offering a wealth of How-To-Study tips, but you won't have time to review them all. You see, the idea is to begin preparing for an exam several days out from it. But if that luxury isn't available, then get to work immediately.

5. Memorize those topics you think are vital as close to the exam as possible. When it comes to memory, each individual will possess different degrees of ability to retain the information. If any last minute cramming is to be done, do it a close to the exam time as possible.

A Word About Cramming

Many educators agree that cramming should be a last resort simply because its effectiveness is limited and only provides minimal retention. But if the exam is tomorrow, you have little choice but to dive in.

The Last Minute Crunch:

In several of the posts on my personal website, I offer time-tested and proven study techniques that have benefited thousands of students just like you. But when there is simply very limited time to learn the way to study, I suggest you put the 5 tips given above to work for you.

How to Take Notes in Class - Part 1 - Getting Ready

Taking notes is just one of the many parts of a systematic plan toward getting better grades. The student can take 2 approaches toward note-taking:

• The casual approach: This approach to note-raking reveals that you look at note-taking as just one more chore in the overall scheme of things. At some point during your school years, someone, a teacher no doubt, stressed the need for taking good notes if you expect to get good grades. Yes... that's a big part of the picture, but approaching this task in a casual manner will generally result in pages of meaningless gibberish. A good instructor/professor has a "method in this madness." A good educator will deliver each lecture or classroom review that encompasses a theme. He/she is revealing certain key elements of the subject matter that you are expected to grasp and retain. Why... ? Because the upcoming exam will test your note-taking skills.

• The scientific approach: This approach is solely dependent on you. The casual approach is one in which you tend to treat the whole matter as a joke. The scientific approach is one wherein you recognize the seriousness of the endeavor and make a sincere effort to write down those key points that the instructor is trying to make. In reality, many educators are actually handing you a copy of the upcoming exam-but those following the Casual Approach seem to miss the whole point of these sessions. The objective, you see, is to provide yourself with an outline of the subject material, which saves you the time and effort in re-reading pages and chapters of textbook material. Of course you will review the formal textbook material but having good notes will direct you toward a glimpse of what the exam will cover.

The tips listed below will only be helpful to you if you are genuinely committed to creating notes that offer you a snapshot of the lecture or classroom coverage of the subject matter, which in reality may be the instructor's method of virtually handing you a copy of the exam in advance. Now the choice is yours-you can do the right thing and record this vital information or you can shrug it off.

1. Please do not rely on someone else to take notes for you. This is often a direct route to self-destruction. Be prepared to take your own notes. This will eliminate having to figure out or interpret what your classmate is trying to convey.

2. Preparation: A good note-taking technique is to use a 3-ring binder. Lecture material isn't always given in the same order it is found in the textbook so move pages around to maintain a degree of order. Use 3-ring separators to keep lecture material and subject matter in order.

3. While it may seem painful to you-sit near or even on the front row-towards the center of the room. You will be less likely to miss keys points this way.

4. When the instructor goes the extra step of listing points on the board, overhead projector or PowerPoint slide, you can be certain that information is important-so record this in it your notes.

5. Be sure to date your notes and add headings and subheadings to keep the trend of the subject matter in some form of logical order.

6. A handy device to have on hand is a portable voice recorder, which is another reason to sit close to the speaker. A fast-talking instructor may overwhelm your manual note-taking, but you can rerun his/her lecture as many times as needed to get a grasp on what was being said.

7. Most instructors will post reading assignments in advance of lectures. Spend the time during the day before to at least skim the material. You are better-equipped to grasp the key points of a lecture if you are at least familiar with the main topics of discussion.

Note-taking can actually be fun if you don't look at it as a bore. Each key point represents a potential exam question. Educators, good educators, plan out the semester from beginning to end. They hope for the majority of their students to get good final grades. This equates to a kind of job security for them. If their students do consistently well year after year, this is a mark of a true educator and not an individual who is just filling a slot in the faculty roster.