2017

Exam Test Tips

Here are some test tips for the ACT and SAT.

Get plenty of sleep. The test is on a Saturday, so staying out late the night before is not advised. Also, getting plenty of rest on the days leading up to the test can help if you normally count on sleeping longer on Saturdays.

Eat breakfast. Your brain works far better when fueled than on an empty stomach. Even if you have to eat a quick snack while walking out the door or once you arrive in the morning,

Know how to get to your testing location. Consider driving to your location in advance so you don’t get lost and know exactly how long your travel time will be.

Don’t forget anything. You will need to bring a form of identification as well as pencils and a registration ticket. Extra items include a calculator and snack. If you have trouble remembering things in the morning, leave them in you car the night before so you don’t forget them.

Take a watch with you. Keeping track of time is important on these exams and phones are not allowed. Having a watch allows you to pace yourself properly without getting into trouble.

Many of these tips were borrowed from Mackler Associates, the SAT and ACT tutoring center in St. Louis.

Custom Coaster Advertising

One of the newest and most unique ways to send a message is to use a coaster. Some of the most common times to see this interesting way of sending a message is at special occasions, such as birthdays and weddings. You will commonly see custom coasters used to invite guests. With weddings, this means your “save the date” can be a coaster that ends up on the invitee’s table. For birthdays, the coaster reminds people of the party date and possibly the age of the person having the birthday. What makes the coasters all the more useful is on the day of the actual event, guests can take home the custom coasters to commemorate the occasion.

Custom coasters also make for great advertisements, so you might see the details for a restaurant, tourist site, or an upcoming concert on a coaster. Flyers and ads would deliver the same message but the medium has no use and is lost. Custom coasters, however, can still work for drink glasses.

The most memorable custom coasters you might come across will be humorous. Some coasters that promote holidays have a wealth of jokes that poke fun at the relationship between alcohol and spending time with family. Others simply focus on wine and the ability for people to be happier or more agreeable because they have something in their glass.

Customization and Security in Loan Software

Financial Network Inc. (FNI) provides loan origination software. Their product is used by auto lenders, retailers, and financial institutions.  This software assists with processing loans when people look to buy a home or vehicle.

FNI focuses on flexibility and efficiency.  Flexibility is key so clients can make changes on the platform.  When users change things to their specifications they can do what is best for the business.  The platform FNI uses was recently made easier for someone to navigate and go from place to place in the system.

FNI continues to draw in more clients and expand their staff because they update and adjust their software according to client needs.  Most of these changes actually come from clients because FNI listens to what their customers have to say.  They have more than 30 years of making loan origination systems which is apparent in the way they do business.

FNI understands the hacking concerns that are relevant in today’s online climate, which is why they stay focused on security.  They understand that keeping customer data safe is a top priority.  That is why they coordinate the efforts of firewalls, encryption, and virus protection.  One other unique feature is FNI’s stance towards recovery.  They know breaches happen and have plans for recovering quickly should something go wrong.

How to Save Some Money When Buying a Home

Buying a home is one of the most expensive endeavors the average person will undertake in their lifetime.  If at all possible, it’s important to save money during the process.  Two options offered through Liberty Lending that any Missouri homebuyer should consider are a Missouri USDA loan or a St. Louis VA loan.

The advantages to these loans are specific to who takes out the loan and where they are located.

To qualify for a Missouri USDA loan, you must obviously live in Missouri.  The other specification is that your home must be in a suburban or rural area.  Back in the year 2011, over 130,000 people took advantage of the program because it offers loans with little or no money down.  Be sure to check and see if you qualify.  Fixed rates for 30 years and complete financing are attractive qualities about this loan but not everyone can earn them.

To qualify for a St. Louis VA or military loan, you must live in St. Louis.  Prior military service is naturally required.  This type of loan might not take as much work to obtain as a regular loan and also comes with 100% financing and no down payment.  Also, if you became disabled while serving, the VA funding fee does not apply to you.