10 Big Mistakes Men Make in Bed

By Photo Bella

10 big mistakes men make in bed:

Men in bed - 10 mistakes
10 mistakes men do in bed.


1. Her lips are toxic. Avoid kissing her lips. They are very bad and should be avoided at all cost!

2. Grab and touch her breasts like they were bread dough. They are not there to be caressed, you should knead and roll them insted. She likes that.

3. Bite her nipples. She seems to enjoy this a lot, the sceams are all pleasure.

4. The 1-2-1 move: Kiss her lips, kiss tit 1 and tit 2 before you eat your main meal down "there." It is a recipe for success!

5. Remove your pants before your socks, at all costs! This is important, there is nothing sexier than a naked man in his socks.

6. Ask if she has got an orgasm yet. Repeatedly. Women like this.

7. When in doggystyle, try to slip it in her ass. Pretend it is an accident. Apparently, this is very painful for the woman!

8. Ask if you can "test" your new cell phone. She likes being photographed and distributed among your friends.

9. It has been a long time since the last time you got laid, so you should definately thank her for the sex. This makes her feel special (and creepy).

10. Throw the condom under the bed when finished. She feels like you left a little bit of your love.

This is only 10 mistakes men make in bed, add your own in the comment field below.

Top 10 Reasons to Date

Top 10 Mistakes Men Make While Dating Russian Women

HowToMarryARussianWoman.com

By Joseph Carducci

Here are the top 10 dating mistakes men make with Russian women (in no particular order after number 1!):

1. Sending a woman money: This is a huge no-no. Any Russian or FSU (Former Soviet Union) woman who asks you for money is just trying to scam you. She will either bleed you until you are dry (if she is very slick) or just disappear after a quick score (if you are lucky). An honest woman would not ask; she has too much pride. Besides, she has already lived for 20+ years without your “help.” Why does she need you now? A Russian woman does not even consider the two of you to be in a “real” relationship until you have met in person! Would you give money to American girl that you had just met? Would you ask her for money? Think about it. It is just not smart and sets you up for trouble (and makes the ladies think it is easy and encourages more of the same behavior).

2. Not being prepared to visit: You did know that in order to bring her over here as a fiancee, you must visit her, in her country? Yes, it is the only way she will be able to get a visa to come to the USA. For more details on the visa and immigration process click here. Honestly, though, an FSU woman, if she is serious, will want to meet you. You must be ready and prepared to visit her at some point in the future. It has been my observation (by watching and talking with both western men and FSU women) that a woman will generally give you about 6 months to decide you will visit. Then a few more months for you to get yourself over there. Make her wait longer than this and she will think you are not serious and probably move on to someone she thinks is! Just be ready: emotionally, physically, and monetarily.

3. Falling in love with a photo: Do not place too much emphasis on her photo. At least not until you know more details about her and her photos. Perhaps they are old. I once had a woman tell me her photos were over 2 years old! Her hair color and style was changed and it looked like she had gained about 20 pounds! Know what? It was my fault, because I did not ask her! Generally, the women of the FSU look even better in person than in their photos—and that is a huge compliment! But not always, and you do not marry a photo, you marry a real person. Get to know her, what she thinks, how she thinks, her dreams, desires, passions, hobbies, etc… Try to understand (as they say in Russia) her inner world.

4. Focusing only on one woman: Bad idea. You may get lucky and find the woman you end up marrying right away. I do know some people that things worked out this way with. I also know some people who won the lottery! Do not bet on this happening. You need to get over the idea of being a gentleman. This is, in it’s most basic sense, a numbers game. I heard it said that only 4% of US-Russian relationships are successful. With that in mind you will have to date and meet 25 ladies on average before finding your wife. This was indeed true in my case. I met over 150 ladies in person, and actively dated around 30 of them. Hopefully you will not need to go through this many. If you hang around at my site, read my articles, manuals, and use my consulting services, I guarantee you a heck of a lot better results! Writing/dating only one woman at a time is a bad idea. If it doesn’t work out with her, than you are back at ground zero and have nothing. You have to start all over again. Not to mention the time that you have wasted, and the money if you actually took a trip to meet her in person. We all want to believe in love at first sight, but many times you look at someone and she looks at you and you know immediately it is just not going to work. Sure, sometimes it goes perfectly, but will you gamble 3-4 months of your life and several thousand dollars on a trip to Russia just to find that out!? Most guys who are involved in this process (statistically speaking) are in their mid-upper 40’s…and most of the ladies are in their mid-upper 20’s. Do you have the time to waste? She probably does, but you need to be in contact with several women at any given time. Even if only for comparison purposes.

5. Not doing your proper research: By this I mean finding an honest and reliable dating or marriage agency, finding out all you can about your woman, learning about the geography, history, culture and language of the country she is from. These are all crucial to your success. You need to find an honest service. Then you need to educate yourself on other ways of contacting your woman. This will continue to ensure that your agency is honest, and that you are indeed writing to a real woman! Without doing your research you are just placing your bets (paying your money) and taking your chances.

6. Sending her the wrong photos: You do not need to send her photos of your house, car or other prized possession. If you do, I guarantee you will attract the wrong type of woman. An honest woman from the FSU is more concerned about your heart than she is about your possessions. If you focus on your money and things, she will probably assume you are a shallow and insecure person. Focusing on your possessions only seems to work on American women, the most shallow and insecure women in the world! This is not America, you do not need to impress these ladies with things! Show them your sensitive side, what you like to do, how you think and feel.

7. Thinking she is just after a visa: Then again if you thought this way, would you really be interested in writing her in the first place? Unless you were just interested in a business relationship type of marriage. She wants love and respect, not a free ride to America! Would you be interested in moving thousands of miles away from home, leaving all your family and friends, learning a new language, just to improve your standard of living? Neither does she. She does not want a savior, she wants a husband!

8. Thinking she will be your trophy wife: These ladies are tough as nails. They have to deal with drunk husbands/boyfriends who think nothing about going out and finding a mistress, don’t want to support their family (so she goes out to work), and generally most of the decisions and hard choices fall to the ladies. She will show you her claws if she thinks you are using her just as a “trophy wife.” Find someone to be your lover, wife, and equal partner, not someone you can dominate and control. For most men, I would say that even if they tried it would not be possible to control a Russian woman anyway—she is strong-willed and fiercely independent.

9. Not asking her questions: You are looking for a wife, not someone to just pass the time. Well, then again… Seriously, these are serious and honest women (for the most part) and they deserve the same respect. Besides, if you do not ask her questions to find out more about her, her family, dreams, goals, etc… she will sooner or later figure out that you are not serious. Then she will dump you, or just see what she can get out of you! If you are truly looking for a wife, you should be asking her all kinds of questions! Not only ask many different questions, but ask them several times in various ways, just to see if you get consistent answers (another good way to protect yourself from a scam).

10. Not having a back-up plan: This is a HUGE mistake! If you do eventually go over to the FSU, you never know what will happen. I once remarked to an agency owner that I had become friendly with, “the only thing I can count on happening here is something unexpected!” She laughed, but quickly agreed with me. I have been through an earthquake, watching the Twin Towers fall from a hotel room in Kiev, Ukraine, even being re-routed on a train for several hours due to a munitions dump explosion! And this does not even include all of the unexpected experiences I have had with the women themselves! I do not care how many letters you have exchanged or how many phone calls you have made, once you see her in person, things will change. Maybe you both look at each other and decide it will not work. Your back-up plan will protect you in this case. I do not advise making a trip just for one woman (unless you have already met). Meet several. Try to have good relations with at least one of the local agencies in the city you will be visiting (being on good terms with 2 or more is even better). Know their address and phone numbers. Then, if things don’t work out, you will be able to contact the other agency and meet other women.

That’s it. Keep these in mind as you progress in your search.

As always, if you have any questions, comments or concerns, I value you feedback.

Good luck!

Top 10 Reasons To Date a … Anyone !

20 Common Mistakes of Eager Leaders

NOTE: The following list was compiled and written by Marshall Goldsmith.
SOURCE: BusinessWeek article (sub. req'd) Jan. 8, 2007

20 Common Mistakes of Eager Leaders

1. Winning Too Much. The need to win at all costs and in all situations—when it matters, when it doesn’t, and when it’s totally beside the point.

2. Adding Too Much Value. The overwhelming desire to add our two cents to every discussion.

3. Passing Judgment. The need to rate others and impose our standards on them.

4. Making Destructive Comments. The needless sarcasms and cutting remarks that we think make us sound sharp and witty.

5. Starting with “No,” “But,” or “However.” The overuse of these qualifiers, which secretly say to everyone, “I’m right. You’re wrong.”

6. Telling the World How Smart We Are. The need to show people we’re smarter than they think we are.

7. Speaking When Angry. Using emotional volatility as a management tool.

8. Negativity. The need to share our negative thoughts, even when we weren’t asked.

9. Withholding Information. The refusal to share information in order to maintain an advantage over others.

10. Failing to Give Proper Recognition. The inability to praise and reward.

11. Claiming Credit We Don’t Deserve. The most annoying way to overestimate our contribution to any success.

12. Making Excuses. The need to reposition our annoying behavior as a permanent fixture so people excuse us for it.

13. Clinging to the Past. The need to deflect blame away from ourselves and onto events and people from our past; a subset of blaming everyone else.

14. Playing Favorites. Failing to see that we are treating someone unfairly.

15. Refusing to Express Regret. The inability to take responsibility for our actions, admit we’re wrong, or recognize how our actions affect others.

16. Not Listening. The most passive-aggressive form of disrespect for colleagues.

17. Failing to Express Gratitude. The most basic form of bad manners.

18. Punishing the Messenger. The misguided need to attack the innocent, who are usually only trying to protect us.

19. Passing the Buck. The need to blame everyone but ourselves.

20. An Excessive Need to Be “Me.” Exalting our faults as virtues simply because they exemplify who we are.

These 20 mishaps are culled from Goldsmith’s newest book, WHAT GOT YOU HERE WON’T GET YOU THERE. Good stuff. Enjoy!

6 Dating Mistakes To Avoid

6 Dating Mistakes To Avoid

DatingAgain101.com


When I decided to write about specific problems people have in dating, I wanted a list of six, but I wasn't sure right off that I could name six.

When I got done with my list, I had 24 problems--and that was just a "rough draft" list.

Dating is a problem, all right..........
..........And unfortunately there are behaviors many of us do that cause us more grief than good.

Coincidentally, there are six I consider most universal.


1. Letting Fear of Rejection Stop You.

If the person has told you several times to go away, sooner or later you ought to accept the rejection and move along.

For most singles, though, the problem is that they pre-reject themselves.

When you decide this person might not want to meet you, wouldn't want to talk to you, or probably isn't interested in getting married right now anyway, you have not escaped rejection.

You've simply kept them from rejecting you, by rejecting yourself.

What counts most in dating is your ability to meet people and to communicate.

Both of these are learned skills.

You aren't necessarily a big hit at first and you get better with practice.

Rejecting yourself guarantees you will not make any progress in that area.

Consequently the 'success' of any social interaction is not in a certain outcome, but in the fact that you got some practice.

And a fringe benefit I've noticed lately--people are much more understanding and tolerant of major flub-ups when the person is making a sincere effort than they are of minor flubs from people who seem to think they already know it all.

2. Get a Phone Number, and Then Not Call.

This is not to say that you absolutely have to call everyone you ever got a number for: sometimes you didn't especially want the number in the first place.

The error here is when you wanted to call, but factors such as being busy and/or being chicken interfered.

Then suddenly you realize it's been so long that if you call now, they may not remember who you are.

One man I know insists that you must call a new number within three days.

There is no need to make a date or any other future plans.

The call can be to simply acknowledge having met the person--"I just called to say hi and that it was nice to meet you at the workshop.

Then, says my friend, you can wait months to call again and it will be acceptable.

But never wait months to call the first time.

3. I don't care; what do you want to do?

On the first few dates everyone is bending over backward to make a good impression, so much so that sometimes we practically stand on our heads rather than to make a firm statement on anything, in case the other person doesn't agree.

This leads to many fun hours sitting around tryinq to decide what to do and where to go on your date.

Solution: if you have agreed to go to dinner, but can't decide where, each must suggest three places (for a handy list of six).

Then each says what they like and/or don't like about each option, weeding things down until there's only one option left.

In other words, if I say "Forget the chicken place," then you must make the next step, such as speaking well of steak or being hesitant about Hunan.

You toss choices back and forth until you've agreed to one. If you still can't agree at this point, now would probably be a good time to break up the relationship.

4. It HAS to be THIS person.

When you meet someone do you get a wild rush of feeling that you will die at any moment unless this person is absolutely crazy about you?

When you're dating, do you agonize over everything you say and everything you do, because this person has to like you?

Now if you tell me you've got to have a pepperoni pizza or you cannot live,

I'm going to be skeptical. If you're so starved you'll settle for dry toast, on the other hand,

I figure this is serious.

This is not to advocate the "Anyone will do" position, by any means, but to give you some perspective.

Yes, you need attention from people; after all, you're a social animal.

No, it does not have to be this person.

Relax. If Abraham Lincoln could figure out that you can't please everybody, you can get it too.

Every person to come along is not the last person to come along. Relax.

5. Watching television.

Watching television may be fine when you're alone and you're too exhausted to move, but it's death on a date.

The point of dating is to get to know each other.

Activities where you are mentally involved and where you interact with each other do the most to help you get acquainted.

Activities where you only observe and are not actively interacting do the least (next to not being around each other at all) to help you get acquainted.

Now if you watch a program and then shut the box off and have a lively debate, then dating is working for you. If you spend four hours sitting parallel in the semi-dark, you're wasting your time.

TV watching is tough enough on established relationships (again, there's no demand on you as individuals).

If TV is all you can think of to do on first dates, better quit dating for a while and spend your time on getting some interests in your life.

6. Too Much Time Too Soon.

Well, when it's working, it's working, and boy is it easy to spend more and more and more time together, especially in the first excitement of getting to know each other.

But sooner or later you are going to have to do your laundry, and visit your family, and see your dentist and taking time away from the relationship can be very difficult indeed.

There seems to be an emotional connection between amount of time and amount of caring, to some people.

And when you say, Listen, I'm going to need my Tuesday evenings free for a while, to some folks you've just carved off and thrown away a chunk of your caring.

While it is possible to negotiate spending less time together and still save the relationship, for most people it's very difficult.

The cure is at the cause; don't rush into committing major chunks of time.

Be alert for patterns. If you're about to ask for your fourth Tuesday date in a row, consider how easy will it be to not call next Tuesday.

Besides, relationships built a little at a time seem to be a lot more solid than those heaped together in a hurry and leave figuring out the details for later.

10 Mistakes That Made Flipping A Flop

UsaToday.com

By Noelle Knox, USA TODAY

SACRAMENTO — If there's a poster child for everything that went wrong in the real estate boom, it just might be Casey Serin.
In one year, the 24-year-old website-designer-turned-real estate-flipper bought eight homes in four states — and in every case but one, he put no money down. At his peak, in April, Serin had $93,000 he'd taken out of the homes as he bought them. By July, he was broke, desperate for one last deal.

Now? Serin has $140,000 in credit card and credit-line debt and five houses in foreclosure. Last month, he started iamfacingforeclosure.com, a blog that's drawn both notes of condolence and expletive-laced condemnation.

"I did some stuff shady, but I'm not going to hide from it," he says. "Somebody can learn from it. I've already had people contact me and say, 'Hey, I'm in the same place.' "

The rise and fall of Casey Serin is a tale with moral and financial lessons for real estate buyers, lenders and regulators. Having consumed real estate guides and seminars, Serin made just about every mistake a newbie could make — most of them, he admits, were no one's fault but his own — from fudging loan applications to buying homes sight-unseen. That he began with bold dreams of class mobility makes his fall a peculiarly American saga.

Serin didn't know much about real estate at 19, when he bought his first condo. As a website designer, Serin was earning $35,000 a year at S.M.A.R.T. Association, a maker of marketing systems for health care providers. He quit to start his own Web-design company but couldn't earn enough to cover his mortgage. So he moved in with his parents and sold the condo a few months later. His profit: $30,000.

"My goal was to reinvest that money," Serin says. "But I also needed a car. My car was falling apart. I used some of it to keep me going, and for living expenses and things. And I used some of it to go on dates."

He also stopped working for three months.

By the time he married in 2004, the money was gone. He and his wife used credit cards to cover living costs because Serin's business wasn't bringing in enough money. When he found a job that summer as a Web designer, the couple had piled up nearly $20,000 in card debt, half of which they'd spent on real estate courses.

He bought Carleton Sheets' No Down Payment real estate program and attended seminars by Russ Whitney, author of The Millionaire Real Estate Mindset, and others.

"Sure, they used pressure sales tactics to get you into it, but looking back on it, I don't regret it," he says. "They told me how to start safe, but I really didn't start safe. I went all out. So it was my own fault."

As with all investors, Serin's goal was to build wealth. He was intrigued by Robert Kiyosaki's Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money — That the Poor and Middle Class Do Not!

"My eyes were opening up: 'Oh, OK, this is how the world works.' "

Mistake No. 1

Using 'liar loans'


In October 2005, Serin was desperate to pay off credit cards. But he was eager, too, to put his real estate training to use. He sought "a motivated seller — someone who wants to sell quick and doesn't mind giving a discount to get the deal done."

He found a Sacramento couple who'd twice cut the price on their home and were asking $360,000. Aware that the market was softening, Serin successfully bid $330,000, including his closing costs. But he also wanted to pay off his credit cards. So he took out a $360,000 mortgage and asked the sellers to give him $30,000 in cash once the deal closed.

"I was able to qualify for the loan at 100% financing," Serin says. "I used a 'stated-income loan.' It was really higher than I was making, so it was a 'liar loan' — that's what they call them in the industry."

Stated-income loans were created to help people with variable incomes, like commission-sales jobs, qualify for mortgages. Lenders require little or no proof of income, but they charge a higher interest rate to compensate for the risk. Stated-income loans have grown in pricey areas where traditional buyers are stretching past debt-to-income lending ratios, and some lenders turn a blind eye.

In California, 75% of purchase loans this year have little or no documentation of income, up from 34% in 2000, First American LoanPerformancesays.

But Serin also deceived the bank by saying he'd live in the home. Banks typically charge higher rates and require larger down payments for investment properties.

"Lying on a mortgage application is a federal crime," says Joseph Falk of the National Association of Mortgage Brokers. "It includes bank fraud, wire fraud and mail fraud and potentially a host of state offenses. This can result in jail time."

At the time, though, Falk says some lenders were willing to ease their criteria for borrowers because, with housing prices surging, they knew they likely wouldn't lose money even if the loan went bad.

Mistake No. 2

Overpaying


Serin flipped the Sacramento house immediately, and agreed to purchase the buyer's old house. But Serin's buyer needed to put 20% down and had to pay a penalty to the bank for paying off his mortgage early. So Serin helped him out at his own expense.

"I paid too much for his house," he concedes. And since he'd already used cash from the first house to pay off credit cards, Serin took out a $10,000 credit line for repairs on the buyer's old house.

Mistake No. 3

Lacking cash


Serin put the second house on the market but lacked the money for the $2,500 monthly mortgage, plus his rent and payments on the credit line. So he rented the house with an option to buy it later. Acting in haste, he rented to tenants who could pay just $1,400 a month.

"I got desperate," he says. "I couldn't flip it, and I had to stop the bleeding."

Mistake No. 4

Quitting your day job


"Now, I'm thinking I've got negative cash flow, I've got the credit line. I need to do more deals."

As the California real estate market hit the skids in late 2005, investors began looking in such states as New Mexico, Texas and Utah, where prices were still climbing. Serin, with dreams of becoming a full-time investor, decided to take three weeks off work in January and go to New Mexico.

"My goal was this: to find enough deals in three weeks that I could put under (a sales) contract ... so I could have enough in the pipeline so that it's safe for me to quit my job. If I can't get anything out there, then I go back to my job. But in my mind, I was already succeeding, and I wasn't looking back." He bought two homes in New Mexico with no money down and liar loans. He took back $20,000 in cash — enough to carry his payments for a while. Back in Sacramento, he gave two weeks' notice.

Mistake No. 5

Hiring an unlicensed contractor


Serin next bought a house in Modesto, Calif., that he'd found through the Internet. The deal was packaged by a "wholesaler." A wholesaler finds an under-priced home, puts it under contract and then transfers it to an investor in exchange for a fee of $5,000 to $15,000.

The house was appraised at $380,000; Serin paid $323,000, including closing costs and $15,000 he got back from the seller. The wholesaler "told me the repairs that needed to be done, but it was a lot more than he described."

Serin hired a contractor, but when he sought the license number, he couldn't find any records. The contractor said the work would take a month or two. After three months, the job was only half done and the contractor wanted more money.

Mistake No. 6

Buying sight-unseen


The sixth home Serin bought was in Utah. A developer had subdivided a tract and sold off the lots for custom homes. The last lot had a 25-year-old house on it.

"I bought it sight-unseen," Serin recalls. The developer "told me, 'It's outdated; you just have to update everything.' I didn't realize, not only is it outdated; it's awkward looking. ... Every room had a different color carpet. Some rooms had a photo-type wallpaper with nature scenes."

He realized that the $18,000 in cash he pulled out of the deal wouldn't begin to cover the renovation needed. He put the house back on the market and left town.

Mistake No. 7

Buying out of state


On the trip to see the Utah property, Serin stopped in New Mexico. One of the homes he'd bought there was rented; the other was on the market but not selling. Fearing he'd soon have to start paying the mortgage, Serin tried to rent it out with an option to buy. "I was even saying, 'You don't need to put anything down, just show me you have a good job, good credit and take over," he says. "But I couldn't do it fast enough. I was only there a week and a half."

Mistake No. 8

Buying too many properties too fast


The seventh house was near Sacramento.

"I basically used up all of the equity... and the market is already going down," Serin says. "But it made sense to me at the time because I'll take the $50,000 (cash back from the seller). I'm finding it takes a lot more money than I thought, and what if I run out of the money I already took out?"

The mounting financial pressure was getting to the young flipper. "I'm thinking about how to use the cash (backs) wisely and keep everything afloat," Serin says. "I realize I'm buying way too much. I'm not able to manage it all. And it just sort of happened. By April, I had six houses."

But he didn't stop buying. He was caught up in the frenzy.

Mistake No. 9

Underestimating remodeling costs


In May, he snatched up a house in Dallas. "I thought it was going to be my best deal so far, because of the spread," he says.

The wholesaler said the property was appraised at $310,000, and the owners would sell it for $190,000, but it had to close quickly. Unable to get another loan so fast, Serin went to a private lender, who appraised the property at $275,000. To get the loan, Serin had to put down $30,000 and put $30,000 more into escrow to cover the needed repairs.

Sight unseen, Serin went for it.

When he finally saw it, he said, "The layout was weird. There was a garage conversion, which I knew about, but because of my inexperience I didn't know the garage conversion kills it because very few people want an extra room. Most people want the garage."

Serin thought he could renovate the property for $15,000.

"I ended up spending $30,000," he said. "It ended up being a monster."

His bank balance was dwindling. Serin was also burning cash traveling between his properties. He purses his lips and inhales sharply. "That's the sound I was hearing."

Mistake No. 10

Having a poor exit strategy


Having just read How to Sell Your Home in 5 Days by Bill Effros, Serin flew to New Mexico in June and auctioned the vacant house in one week, eking out a tiny profit. He tried it a week later in Texas. A disaster. Just three low bids.

By July, Serin was out of cash and living off credit cards. He took out more lines of credit to try to keep pace with his mortgages. He wanted to go for one last deal in New Mexico. His wife saw copies of the letters he'd written to the banks.

"She's like, 'I don't want no fishy business.' "Part of me is like, 'Well, I know it's not right. I know I'm lying to the banks, but I've got to do what I've got to do. I got into this mess. I've got to get out somehow.' And it was like, once you make one lie, you've got to keep lying, in a way."

His last loan was rejected, and Serin hit bottom. The bills for his mortgages and other debts total $20,000 a month. He's says he's determined to pay off his loans. He's considering bankruptcy, restructuring the loans and trying to get another Web-design job.

Serin's current situation is bleak. He is currently unemployed as is his wife, who has gone back to college to get an accounting degree. They rent an apartment and have $140,000 in debt, and the remaining five houses he owns are facing foreclosure.

Yet, ever the optimist, he says, "There might be some other possibilities in the works right now for some additional real estate deals that would be completely aboveboard and allow me to make some money.

"There are some wholesaling opportunities where you find a contract and sell it to another investor. You can make 5, 10 or 15 grand on that stuff. That's enough to almost carry it for a month."

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The Eight Mistakes Car Buyers Make

MarketWatch.com

NEW YORK (MarketWatch) -- Befuddled about buying a new car? You're not alone. But don't let the prospect of a shiny new vehicle trip you into spending more than you need to or falling for dealer tricks.

Consumer Reports outlines the eight biggest mistakes buyers make when shopping for a new car:

1. Being pressured to act. It's OK to move at your own pace -- don't let yourself get bullied into buying before you're ready. When you do put down a deposit, use a credit card instead of writing a check. You'll have more protection if there is something fishy with the dealer.

2. Taking dealers at their word. Are you offered free oil changes or other perks? Get them in writing. Don't settle on just a verbal agreement -- have it written into the contract.

3. Financing for longer than 48 months. If you settle for a long-term loan, you're likely going to pay a higher interest rate. And if the car is stolen, wrecked or you just want to trade it in early, you'll probably owe more than it's worth.

4. Buying unnecessary extras. You'll be offered all sorts of "important" extras such as VIN glass etching, fabric protection or extended service. They can get expensive and you probably won't even need or use them.

5. Opting for dealer financing without shopping around. Don't just go for the dealer's rate. Do some research on the current loan rates and look for good offers from banks, online sources or credit unions.

6. Not negotiating a lease price. You can bargain for a lease price just as you would if you were buying the car.

7. Leasing because you can't afford to buy. It's true that you'll have a lower monthly payment, but you'll probably pay a much higher finance charge. At the end of the lease period, you won't even own the car. If you are strapped for cash, consider buying a used car instead.

8. Talking about trade-ins early in the process. Wait to mention your old car trade-in until after you've completed your negotiations on the new one.

Marshall Loeb, former editor of Fortune, Money, and The Columbia Journalism Review, writes "Your Dollars" exclusively for MarketWatch.

Car Improvements

10 Mistakes That Made Flipping A Flop

Top 10 Online Dating Mistakes

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5 Mistakes to Avoid When Buying a Vehicle From a Dealership

Getting Green.com

Buying a new car is a lot like buying an engagement ring for your wife to be. You know you need to do it, and the woman will most likely really enjoy what you get her, but if you’re not careful, you could make a lot of mistakes and end up getting had. You might think you’re getting a good deal, but in the end you find yourself with a diamond that has all sorts of imperfections and does not shine light very well. The same is true for an automobile, if you aren’t very careful, you can make four or five figure mistakes. Here are some major mistakes that people make when they buy cars, trucks, vans and other automobiles.

1. Only Worrying About the Monthly Payment – A lot of people are under the mindset that they will always have a car payment, so they only worry about the price of their monthly payment. Don’t fall for the myth that you will always have a car payment. Save up, pay cash, and upgrade when you have the money.

2. Trading In Your Existing Car To The Dealer – A lot of people trade in their car to the dealer because it’s a lot easier selling their current car separately. However you will take a major hit because the dealer will only pay you a wholesale price, and chances are you can sell it for 20% or 30% more than what the dealer is willing to offer you.

3. What Test Drive? – Every now and then a person generally knows what kind of car they want, they find one for a good price and have already driven a similar car, so they don’t think they need a test drive. You never know what kind of quirks a car might have, so you should always test-drive it for at least 15 minutes or better yet more.

4. Finance at the Dealership – If you’re going to finance your vehicle, don’t finance it with the dealership. Shop around at a number of different banks to see which can get you the lowest rate. If you don’t, it’s up to the care salesman to decide what kind of loan you’re going to get. This way you can also focus solely the price of the vehicle, and not just the terms of the loan.

5. Not Having the Car Checked Out – Always have your car checked out by an independent auto-mechanic to make sure everything is on the up and up when you buy it. Don’t end up buying a car that appears to work just fine, but has some several mechanical problems that aren’t apparent when driving the vehicle. This happens a lot more than you think, so be sure to have an independent auto mechanic check out your vehicle before buying it!

Of course these are just a few of the many mistakes that people make when they buy their next vehicle. If you know of any more, be sure to let us know by commenting below!

Car Improvements

The Eight Mistakes Car Buyers Make

10 Walking Mistakes to Avoid

From Wendy Bumgardner,
Your Guide to Walking.

10 Walking Mistakes to Avoid

Mistake #1: Overstriding

Walking the right way can give you better health, fitness, and attitude. It can help you walk faster and more smoothly.

Walking the wrong way can lead to wasted effort or even injury, not to mention ridicule.

Overstriding

When walkers try to walk faster, a natural inclination is to lengthen your stride in front, reaching out further with your foward foot. This leads to a clumsy, ungainly gait, striking hard with the feet. Your shins hurt and you really don't get any faster.

The Cure for Overstriding

All of the power of your walk comes from pushing with the back leg and foot.

- Shorter, Quicker Steps: If you are trying to walk fast, concentrate on taking shorter, quicker steps.

- Roll Through, Push Off: Then think of really rolling through your step with your back foot and leg, getting a good push off. The result will be faster feet and lengthening your stride where it does you some good - in back.

#2 The Wrong Shoes

Not all "walking shoes" are good for walking. If this describes your shoes, you are setting yourself up for plantar fasciitis, muscle pulls and knee problems:

- Heavy: Walking shoes should be lightweight.

- Stiff: Soles won't bend, can't twist them. Walking shoes should be flexible so you don't fight them as your foot rolls through the step.

- Over 1 year old: The cushioning and support in your shoes degrades, you should replace your shoes every 500 miles.

- Too small: Your feet swell when you take a sustained walk. Your walking shoes should be larger than your dress shoes if you walk for 30 minutes or more for exercise.

The Cure for the Wrong Shoes:

Get fit for the right shoes at a technical running shoe store in your area.

The athletic shoe experts will make sure you get the right shoe for overpronation, flexible enough for walking, sized right for the swelling everyone's feet have while walking.

#3 Flapping, Slapping Feet

Instead of rolling through the step with your forward foot from heel to toe, your foot is flattening out prematurely. Either you are fighting stiff, heavy shoes or your shins are too weak to let you roll through the step.

Symptoms

- Your feet hit the ground with a slap.
- You land flat footed with each step and get no roll.
- You may develop shin pain.

The Cure for Flapping, Slapping Feet

Get flexible shoes that bend at the ball of the foot. A pair of running shoes with a low heel is best.

To strengthen your shins, ankle, and lower leg:

Toe raises: Stand on a stair facing upstairs with your heels hanging over the edge. Dip the heels down, then raise them high. Repeat 10-20 times.
Step Stretch Toe Raises

Foot fun: While sitting around, several times a day, tap your toes quickly for several seconds.

Then write the alphabet in the air with your foot. Repeat with the other foot.

Heel walking: As part of your warm-up, walk on your heels for 30 seconds.

#4 No Arms

You keep your arms still at your sides while walking, or swing them without bending them. You notice that your hands swell quite a bit while walking.

A normal walking motion uses the arms to counterbalance the leg motion. A walker can add power and speed by using the arms effectively. Long, straight arms act like a long pendulum, slowing you down.

The cure: Bend your arms 90 degrees and swing them naturally back and forth opposite the leg motion.

#5 Chicken Winging

OK, you know to bend your arms when you walk. But you swing them from side to side, crossing the center of your body and extending out to endanger passersby. Or your fists come up on each swing past your breast, up even to your chin or threatening your nose.

The cure: Keep your elbows close to your body and swing your arms mostly back and foward, as if reaching for your wallet from a back pocket on the backstroke.

As they come forward, your hands should not cross the center line and should come up no further than your breasts.

This arm motion will give power to your walk. Your feet generally move only as fast as your arms.

This motion lets you concentrate on power from your rear leg without wasting motion in front of your body. It also looks far less silly.

#6 Head Down

You are always looking down, hanging your head and staring at your feet.

The cure: Look up!

Good posture for walking allows you to breathe well and provides a long body line to prevent problems with your back, neck, and shoulders.

Chin up when walking - it should be parallel to the ground.

Your eyes should focus on the street or track 10 - 20 feet ahead. You'll avoid doggy doo-doo, find cracks in the sidewalk, spot potential muggers, and still collect the occasional coin.

#7 Leaning

- You lean forward more than 5 degrees.
- You lean back.
- You have a sway back with or without a forward lean.

Somewhere you read to lean forward when walking. Or, you may be leaning back on your hips. Leaning forward or backwards or holding your back swayed can all result in back pain and do not contribute to speed or good technique.

The cure: Stand up straight but with relaxed shoulders, chin up and parallel to the ground. Think about walking tall. Think "suck in your gut, tuck in your butt."

Your back should have a natural curve, do not force it into an unnatural sway with behind out back stomach out forward.

Strengthen your abdominal muscles through sit-ups and other exercises so you are able to hold yourself straighter.

#8 The Wrong Clothes

- You walk at night wearing dark colored clothing with no reflective stripes or a safety vest.
- You are always wearing too much or not enough, end up sweaty and clammy in any weather.
- No hat.

The cure: To prevent becoming a hood ornament, wear a mesh reflective safety vest bought at a local biking or running shop or put reflective strips on your night-time walking outfit. Many running shoes have reflective elements, but studies show it is best to have several reflective elements on to be seen from all directions.

For walking comfort, dress in layers. The inner layer should be of a fabric such as CoolMax or polypropylene that will wick sweat away from your body to evaporate - not cotton, which holds it in next to the skin.

The next layer should be insulating - a shirt or sweater easily removed if you warm up. The outer layer should be a jacket that is windproof, and waterproof or water-resistant in wet climates.

Hats are essential equipment. They insulate you so you warm up faster. They shield the top of your head from the sun - an area where it is hard to apply sunscreen unless you are bald, but still burns. Hats with visors also shield your face from sun exposure.

#9 Not Drinking Enough

You don't drink enough water before, during, and after walking.

The cure: Drink a glass of water every hour throughout the day to stay hydrated. Ten minutes before your walk, drink a glass of water.

During your walk drink a cup or more of water every 20 minutes.

After you finish, drink a glass or two of water.

Avoid caffeinated beverages before your walk, they cause you to lose fluid, making you thirstier as well as making you take inconvenient stops along the way.

On walks over 2 hours, use an electrolyte-replacement sports drink and drink when thirsty.

On long distance walks, drink when thirsty and be sure to replenish salt with a sports drink rather than drinking only water.

#10 Overtraining

You walk and walk and walk. But you have lost your enthusiasm. You feel tired, irritable. You always have aches and pains. You may be overdoing it.

The cure: Even the Creator rested on the seventh day.

Take a day off now and then to let your body repair, build up muscle, and store up some energy to get you back on the road again.

If you just can't stand a true day off, do some upper body weight training instead of walking and lower body work.

Top 10 Reasons to Start Walking

10 Reasons To Take A Walk

Shoes: Women's + Men's + Children's + Athletic & Outdoor

Top 10 SEO Mistakes and What to Do to Correct It

Search engine optimization (SEO) is a set of methods aimed at improving the ranking of a website in search engine listings. (Wikipedia)

This definition of SEO sounds simple, but beware! Search engine optimization is a minefield, even for professionals, and although necessary to a business, should not be undertaken lightly. Below, is a brief look at the top 10 mistakes and how to correct them.

1. Non-Relevant Linkage.

External links to your site play a large part in most of the major search engine algorithms and can be considered an endorsement of your site. But if you are being linked to from sites that have no relevance to your content, then that is now considered a negative endorsement and will not raise your ranking in the search engines. Ensure all links to your pages are from relevant sites. Be wary of link builders who acquire links from gambling, pharmaceutical or adult themed sites, especially if your site is not of the same theme. Link building is as much a science as it is an art, one we take very seriously.

2. Untargeted Keywords.

The people who use search engines are ‘normal’ people who are not likely to use words used in advertising brochures. Get to know how your customers ask for your services/products and use these in your content. Often times, actual keyword research will surprise you.

3. Excessive Graphics and Flash Content.

This looks good on a web page, but to search engine crawlers it means little. Search engines are looking for content, keywords, and relevancy to the search terms. By all means have some graphics, but don’t forget the meat. This doesn’t mean Flash designed websites are bad necessarily. In fact, some big businesses do use it. For most webmasters though, Flash sites are best avoided. Unless your Flash designer does high-end websites and knows how to integrate the content and keywords within the Flash, hybrid sites combining Flash headers with HTML content will be a good option.

4. Believing all search engines are the same.

What pleases Yahoo might not necessarily please MSN or Google. Optimize your content, keywords, inbound links, and internal linking structure so that there is something for at least one of the three top search engines.

5. Multiple Search Engine Submissions.

In the very early days of search engines, this technique may have had some success, but now it can lead to slower indexing and rankings. A site with inbound links from other sites will get indexed naturally and search engine submission is not necessary. In fact, multiple submissions may be construed as an attempt to spam the search engines. The top 5 engines account for more than 90% of all activity so it is wise not to ruin your chances of ranking naturally in the search results. (comScore Media Metrix qSearch data, August 2005)

6. Incorrect Use of Title Tags.

Most people consider the title to be for their company name or product. Not so. You must include your most important search phrases within your title tag and if you do want your company name there, keep it for the end. Keep the title tag to less than 65 characters long to avoid the appearance of title tag keyword-stuffing.

7. Use of ‘Black Hat’ techniques.

Techniques such as doorway pages, hidden text, and overstuffing keywords may have had success in the past but now they will earn you penalties and could even get you banned. Avoid them altogether if you are seeking long term success. Some black hat techniques can work on a short term basis, but in the long run prove very costly.

8. Expecting Immediate Results.

SEO is an ongoing process and should be treated as such by your SEO company. Good optimization will involve building good links with quality sites and this takes time.

9. Use of Unethical SEO Consultants.

Beware the consultant that guarantees rankings with no past clients to back it up with or claims of special relationships with search engines. Many such “consultants” or “experts” will probably take your money and run. Choose a reputable SEO consultant, one who will keep in regular contact with progress reports and updates.

10. Decide to do optimization in-house.

Probably possible in the past, but now with ever increasing sophistication of search engine algorithms, this is an area best left to an expert. Furthermore, the good SEO experts usually have other income streams from their online marketing activities and a regular paycheck to work full-time simply doesn’t justify their time invested. We’ve yet to meet a good SEO who doesn’t have virtual real estate bringing in a nice chunk of cash.

About the Author: Anthony Yap is the resident SEO expert for a SEO company, http://www.SearchMarketingROI.com. Services offered include keyword research, SEO, local internet marketing, web copywriting, reputation management and link building. Custom internet marketing programs available.

10 Mistakes That Made Flipping A Flop

Search Engine Optimization by Richard John Jenkins

Top 20 Mistakes Students Commit When Attempting A Test Or Exam Paper, And How To Overcome Them

sgbox.com
Top 20 Mistakes Students Commit When Attempting A Test Or Exam Paper, And How To Overcome Them

How many times have you walked away from a test or exam paper thinking or saying aloud:

I wish I had more time!

Oh, now I know the correct answer! Why didn’t I think of it just now?

I shouldn’t have spent so much time on that question!

How could I have missed the last page of the paper?

Why didn’t the questions that I prepared so hard for appear in the paper?


If the above sounds familiar to you, then you are not alone.

Top 20 Mistakes

Here, we describe the top 20 mistakes that most students make when attempting a test or exam paper, and how to overcome them.

1. Spotting Questions.

Spotting questions is by far one of the most common mistakes many students make when preparing for a test or exam paper. It is also the worst mistake you can commit before sitting for a paper.

For subjects that require much memory work, such as History, Geography, Biology and Economics, many students try to take the easy way out by trying to spot what questions would appear in the paper. Such students believe that they can read their teachers’ or examiners’ minds. Are you trained in telepathy or fortune-telling? We don’t think so.

Spotting questions is a problem that is at times made worse when the teachers themselves actively encourage their students to spot questions. As students who had sat through GCE "O" Level and GCE "A" Level papers ourselves, we can attest to that.

Some teachers are also known to deliberately drop hints to their students before a test or exam paper about what types of questions to expect. That happens quite often in the local polytechnics and universities too. We know because we, our friends and our siblings have studied at the local universities and polytechnics. Sometimes, the questions actually came out in the test or exam papers. Sometimes, they never did!

Instead of spotting questions, you should spot topics if you must. For example, instead of trying to prepare for a History question that reads, "Why did Singapore break away from Malaya?", you should prepare for the History topic "The breaking away of Singapore from Malaya".

That means you should know the why, when, how, who and consequences of the breaking away of Singapore from Malaya. This would ensure that, should you be asked about "What were the consequences for Malaya after Singapore broke away?", you would still be able to answer it.

2. Cramming Too Much Information Into Memory.

You have memorised every word in all the chapters from your textbook that you would be tested upon. You see a question in the paper that begs an answer you know is found on page … Oh, no! You can’t recall the page! And so, the answer escapes you!

As you try fervently to recollect that page, you realise it becomes harder! Meanwhile, the minutes pass away and you lose valuable time!

If you are one of those students who try very hard to memorise everything in your textbooks, stop! Unfortunately for most of us, our brains can often only retain 10% to 20% of the information that we read. More unfortunately, we cannot control what will be that 10% or 20% of information that we will remember!

So, instead of trying to recite every word from page 1 of your textbook to its last page, you should concentrate on understanding what is written in those pages. If you can understand what each topic in your textbook is about, why would you even need to memorise all those pages? You should be able to explain them in your own words!

You can improve your understanding of any topic, reinforce what you have previously read and increase the amount of information that you can remember by:

1. Taking part actively in classroom discussions and activities about the topic.

2. Discussing the topic with your friends.

3. Reading alternative books or chapters about the topic.

4. Watching video tapes and video compact discs about the topic.

5. Listening to audio tapes about the topic.

This is because our brains can remember what we have said and seen more vividly than what we have read.

3. Panicking Before Or During A Paper.

Do you worry that you would not have enough time to complete a paper, even before it starts? Are you very afraid that you would not be able to answer most of the questions in the paper, even before it starts? Does your heartbeat increase when you enter the exam hall and your hands sweat when you receive the exam paper? Are you at a loss of what to do for the rest of the paper, when you realise that there is one question that you cannot answer?

If you experience any of the above, or other symptoms of anxiety and panic, you need to check yourself. One of the worst things that you can do before and during a test or exam paper is to panic. Once you panic, your mind is in a frenzy and you cannot think properly. How can you attempt the paper calmly when you cannot even think properly?

Always tell yourself not to worry too much before a test or exam. Below are some good ways to reduce or eliminate your anxiety and worry:

1. Clarify all your doubts at the end of each lesson, so that they will not snowball into a big bag of questions before your test or exam.

2. Always prepare for a test or exam well in advance.

3. Don’t study every minute while you are awake. Busy yourself with some mundane household chores to take your mind off the upcoming test or exam.

4. Have a good night’s sleep before the date of the test or exam.

5. Keep reassuring yourself that you can do it. Once you stop doubting yourself, you will stop panicking.

If all else fails, comfort yourself that it is only a paper. It’s not the end of the world even if you don’t do well for just one paper.

4. Arriving Late For A Paper.

Most of us are punctual, especially for important occasions. However, some of us may have a habit of being late. Even if you are a punctual person, there may be times when things just suddenly crop up and you end up late for an appointment.

Late comers are the norm rather than the exception for many major examinations. Just ask any examiner. If you are the unfortunate latecomer, you may sometimes be barred from sitting for that particular paper. Even if you do get to sit for the paper, much precious time would have been lost. On top of that, your mind would still be reeling from the rush. You would not be calm enough to attempt the paper before you.

What can you do to avoid being late for a paper? Be there early! Give yourself enough time to travel to the venue of the test or exam. Spare yourself at least half an hour at the venue. Use this time to familiarise yourself with the place and setting, so that you know what to expect when the paper starts.

For example, if you could know in advance that the air-conditioning is very strong, then you would be mentally prepared for the cold. If you have brought along a sweater, you could then wear it and be able to sit through the paper comfortably.

5. Failing To Scan Through The Questions Once.

You receive the paper. The teacher says, "You may begin now!" Do you immediately turn to the first page and answer the first question straight away? If yes, stop! You are making another common mistake most students make!

Always scan through a paper before you begin writing. Give yourself about 2 to 5 minutes to read through all the questions. Put a tick against the easy questions and a cross against the difficult ones. Check every page of the paper to make sure that you do not miss any question.

Then, proceed to answer the easy questions first! Always leave the difficult questions to the last. This ensures that you would have answered most of the questions in the paper should you run out of time. It also gives you more time for the difficult questions, as you would need relatively less time for the easy ones.

6. Failing To Allocate Time For Each Question.

"All animals are equal, but some animals are more equal than others." So wrote George Orwell in "Animal Farm". The same holds true for test and exam questions. Some questions deserve more time than others. Some questions require less time than others. And some questions don’t even need to be considered if you have a choice! This happens when you can choose your questions, say 3 out of 5.

Always allocate your time to each question based on the number of marks it is worth. For example, if a question is worth 2 marks out of 100, while another question is worth 10 marks, you should allocate more time to the latter question.

In addition, if a question requires much drawing or graph plotting, and if you are slow at it, then you should leave it to one of the last questions that you would attempt.

And remember to bring along a watch or clock to time yourself. But make sure your clock does not tick loudly or ring its alarm suddenly!

7. Starting With The Most Difficult Question.

Some students attempt their test and exam papers in a less efficient way. They start with the most difficult questions.

"What is wrong with that?" you may ask.

For one thing, attempting a tough question is a bad start to a paper. Your mind gets stumbled at the very beginning of the paper. You rack your brains trying to come out with the answers for that agonising question. You begin to feel exasperated. You mind loses its calm. You cannot think properly. And you lose precious time while you are stuck with the tough question.

Before you know it, you only have half of the time left. Now, you rush to answer the other questions. But your mind has got so entangled with that tough question that it cannot think properly. You have forgotten the answers to the easy questions! You can’t believe it! And we can’t believe why you even began with that tough question!

Always start with the easy questions. First, it makes you feel good about the paper and boosts your confidence. Second, you are assured that you will get the marks allotted to these questions. Third, if you manage the easy questions properly, you will be able to answer them quickly and allow yourself more time for the difficult questions. Last but not least, you may be able to attain the answers to the difficult questions after you have solved the easy ones. It has happened to many people many times!

8. Jumping Straight Into Answering A Question Without Proper Planning.

You read a question and you know the answer. Do you immediately raise your pen or pencil and start writing away? If yes, how many times have you encountered the following scenarios?

- You are halfway through your answer and then you realise that your answer is wrong!

- You are penning a new paragraph when you realise that it should have come before a previous paragraph!

- You are halfway through a point you are trying to make before you realise that you have already written it in a previous paragraph!

- You are writing about a new idea and then you realise that it should have been discussed together with another idea that you have already written!

- You realise you have left out an important point in a previous paragraph but there is no space for you to insert it! Therefore, you are forced to write this point in the margin of the paper or somewhere away from the paragraph. Then you draw a long line to connect this sentence to the paragraph.

- You have finished the answer but realise that the paragraphs need to be rearranged! Therefore, you resort to numbering the first paragraph as (1), the second paragraph as (5), the third paragraph as (2), and so on so forth.

If you have encountered any of the above scenarios, and are still running into such situations, would you want to avoid them in future?

The solution to the above problems is proper planning. Proper planning ensures that you have considered all the major aspects of the question before you start to write your answer. It would save you much time later when you write the answer. A carefully planned answer would also get more marks than an unplanned or poorly planned answer.

Below are the suggested steps in planning an answer to a question:

1. Always spend a minute or two thinking through a question.

2. Underline the key words in the question and ask yourself what kind of answer the question demands.

3. Make quick notes in point form as you brainstorm for all the relevant points and ideas that come to your mind.

4. Group all the related points and ideas together into main ideas.

5. Ask yourself whether you have enough main ideas. A long question typically requires at least three main ideas in its answer.

6. Ask yourself whether you have too many or too few points for a particular main idea.

7. If more than half of your answer is about one main idea only, while the other main ideas make up the rest of your answer, you are most likely paying unequal attention to each main idea and your answer will be lopsided.

8. Finally, plan how you wish to approach the question and structure your answer accordingly.

9. Misinterpreting A Question.

"What are the consequences of a poor diet?"

Imagine you are answering the above question. A quick definition of what make a good diet and a poor diet in your first paragraph would make a good start in your answer. You should then dive into the specific results of a poor diet.

Had you written more about the examples of what make a good diet and a poor diet, including the calories count and nutritional values of various foods, you would be writing something that is uncalled for.

Had you proceeded to talk about the importance of having a good diet, the disadvantages of a poor diet, the reasons why widespread poor diets exist in some countries, or the circumstances leading to a poor diet, you would be writing out of point.

All that could happen because you have not understood the question, or you have misinterpreted it. Misinterpreting a question can cost you dearly in a test or exam. This is especially if the question is worth 10 or 20 marks out of 100. You would be spending precious time producing an incorrect answer at the possible expense of other questions.

The only way to avoid misinterpreting a question is to read through the question at least twice. Underline the key words in the question. Make sure you understand what those keywords mean. Some examples of keywords which some students have problems with are:

- Describe
- Outline
- State
- List
- Explain
- Evaluate
- Discuss

Where a question contains a few parts, and your answer to two of the parts are similar, you must immediately realise that you have misinterpreted at least one of the partial questions. Proceed to correct your answers.

In case of doubts, you may try to ask the teacher or examiner what the question is asking for. Although teachers and examiners are often not allowed to explain the questions in a test or exam to students, some teachers and examiners are very kind and may help you.

10. Producing An Incoherent Answer.

One of the worst things you can do to put off the teacher or examiner marking your paper is to write incoherently. That is, your thoughts and ideas are badly expressed and very difficult for the marker to understand. In short, your writing does not make sense.

Imagine that you are the person who has to mark hundreds of test or exam papers. You could be very tired by the time you reach for another paper to mark. Then to your horror, you realise that this particular student’s answers are incoherent. You have to read and re-read each of his or her answers before you understand what he or she is trying to say. Worst of all, you may not even understand what he or she is trying to say!

In situations like this, how would you grade the student’s answers? Would you want to spend more time on his or her other similarly incoherent answers? Probably not.

The thing about incoherent writing is that students who write like that do not realise that only they themselves understand what they are writing about!

The only way to make sure that you do not write incoherently in a test or exam paper is to write more often. Below are the suggested measures:

1. Write an essay on any topic you want.

2. Check through your essay at least twice to make sure that you yourself understand what you are writing.

3. Ask somebody who has a better command of English than you (e.g., your friends, classmates, teachers or family members) to proofread your essays for you. The more persons you can get to proofread your essays, the better.

4. Find out which parts of your essay they have understood and which parts they have difficulty understanding.

5. Ask them how you could have rewritten those parts that they do not understand.

6. Ask yourself whether their suggested rewriting of those parts is easier to understand than what you have written.

7. Discover where you have gone wrong in your initial write-up and try not to repeat such mistakes again in future.

8. Proceed to step 1 above and repeat the process.

11. Poor Writing Style.

What is your writing style in a typical test or exam paper?

"What writing style? I don’t even have enough time writing!" you may say.

Well, think again. The reason why you may experience insufficient time for your test and exam papers could be because you have a poor writing style. Or because you have no writing style at all.

That could also explain why a classmate got a higher score than you did for the same question when both of you had similar answers. It’s a matter of style.

An easy-to-read writing style makes good reading.

A complicated manner of writing, made up of many long paragraphs each containing long convoluted sentences such as this sentence you are reading, with each sentence consisting of more than one idea and replete with unnecessary bombastic words (and sometimes with long sentences in brackets as well), full of commas, semicolons while the full-stop is far away, often also containing at least two conjunction words such as "and", "but" and "so", makes reading very tough for the reader.

A simple writing style suitable for use in a test or exam paper may consist of:

1. A short introduction of not more than 50 words in one paragraph. You could use this paragraph to

- define the keywords in the question,

- grab the marker’s attention,

- state your stand on the topic in question, or

- briefly summarise what you will be writing about in the rest of your essay.

2. A main body consisting of two or more paragraphs. Each of these paragraphs should be about a main idea that you are trying to convey.

3. A conclusion of not more than 50 words in one paragraph. You could use this to

- summarise your essay,

- affirm your stand on the topic in question, or

- pose related questions to the reader as food for thought.

12. Not Sure How To Start Or End An Essay.

This sounds good, "What is a poor diet?"

No, that’s too common. How about, "How many people really bother about their diets?"

Nah, I’m sure I can come up with a better introduction than these!

How much more time are you going to waste trying to figure out a superb start to your answer? Just get to the point! Remember this is a test (or exam) paper! You are not taking part in a story writing competition. Time is precious!

While having a good writing style is important, the emphasis here is about the flow of your ideas. As long as your paragraphs are coherent, they connect to one another smoothly, and they are easy to read and absorb, it would suffice.

"But in the end, how am I going to end the essay?" you may wonder.

Again, the marker is not going to judge your essay squarely on how well you have written your last paragraph. As long as your last paragraph ends your essay nicely, it would not be a problem. Simply put, if your entire essay is out of point, incoherent or lacking, how much difference could your essay ending make?

13. Writing Too Much Or Too Little.

A certain question was worth 1 mark out of 100, and a student wrote about 80 words in his answer. Was that too much?

Another question was worth 25 marks out of 100, and a student wrote about 80 words in his answer. Was that too little?

Depending on the subject and the nature of the test or exam paper,

- a question worth 1 mark out of 100 may require only a 10-word answer.

- a question worth 25 marks out of 100 may require at least a 1-page answer.

Some students write too much for questions that do not require long answers. As a result, they do not have enough time left for the other questions. Some students write too little for questions that require long answers. Consequently, they may have missed important points or not devoted more effort to expound on an idea. Invariably, these students lose valuable marks.

Unfortunately, nobody can give a definitive guide to how many words is enough for a question worth 1 mark or 25 marks. Instead of looking at the number of words, you should look at the number of main points included in your answers.

A short answer encompassing all the important main points would be worth much more than a long answer deliberating on just one main point only. This is because examiners who set the questions for any test or exam paper, usually set aside a certain number of marks for the list of main points that they are looking for in students’ answers. Beyond the predetermined number of marks for any given main point, you would not be awarded extra marks even you write non-stop about that point. So, be concise in your answers as far as possible.

14. Failing To Answer All The Unanswered Questions In The Last Few Minutes.

"You have 5 minutes left. Please check through your answers and …"

"What!" you exclaim in sheer horror. "5 minutes left! Oh my, how am I going to answer all the remaining questions?"

This is quite a common situation many students have come across at least once in their schooling experience. If you have 5 minutes left, and another 10 non-multiple-choice questions worth 30 marks altogether to go, what would you do? Should you pick the question that is worth the most number of marks, and start penning the first paragraph? Or should you attempt the other short questions, even though you do not know their correct answers?

In such an event, this is what you should do:

- Pick the easiest questions that require the shortest answers, and answer them quickly.

- Then, proceed to the remaining questions that require longer answers and answer quickly.

- Forget about writing style and proper paragraphing. You have no time for that.

- Write your answers in point form if possible.

- If you have previously jotted down some notes to a question on a separate piece of paper, submit it together with your main paper.

Although the above is not the ideal way to answering questions in a test or exam paper, it would at least gain you some precious marks should you run out of time.

15. Writing Illegibly.

Illegible handwriting is a common cause of low test and exam scores for many students. Terrible handwriting makes reading more difficult and sometimes causes misunderstanding.

In the broader sense, illegible handwriting comprises:

- Very small handwriting that typically resembles an army of ants.

- Too little spacing between words.

- Very big handwriting such that the height of each word spans two lines or more.

- Single line spacing, which makes reading tougher when the student tries to insert additional lines of text in between the already congested lines.

- Too many words being inserted in between and above other words on the same line.

- Too many arrows and lines pointing to other sentences that should belong to the current paragraph, but that are written far away on the page or on another page.

- Writing in light-coloured ink, such as light blue, light black, light green, pink or yellow.

- Writing in red, which confuses the marker since the marker is also using red ink to mark the paper.

In the narrower sense, illegible handwriting comprises examples such as:

- An "a" looks like a "u", so that "tack" becomes "tuck" (vocabulary error).

- A "v" looks like a "u", so that "van" becomes "uan" (spelling error).

- A small letter "c" looks like a capital letter "C" (punctuation error).

All of the above make reading extremely tough and slow for the marker. It can even put off the marker. Some markers give up beyond a certain point and skip parts of the writing. This means that your answers may not be completely read and graded accordingly. You lose precious marks.

Good handwriting should avoid all the above-mentioned instances of bad handwriting. In particular, you should:

Plan your answers, so that you do not have to resort to inserting lines of text and arrows.

Leave a blank line after each line of text, so that you may insert additional words where necessary.

Write in black ink or dark blue ink.

16. Reading And Writing Too Slowly.

Suppose you are given a 1-page comprehension passage to read. Can you read it faster than most other students? If not, then you may have to increase your reading speed.

Do you know that being able to read fast can save you valuable time in a test or exam? If the average student takes 3 minutes to read a 1-page passage, while you take 10 minutes, you are already spending 7 more minutes than other students. Imagine how many questions you could have answered within those 7 minutes!

So how can you improve your reading speed? Well, you can try to read more often and time yourself each time you read. With constant practice, you should be able to read faster.

Now, suppose that you are given a 1-page passage to copy. Can you copy it faster than most other students? If not, then you may have to work hard on writing faster.

The ability to write fast, just like the ability to read fast, can save you precious time in a test or exam. If the average student takes 5 minutes to write a 200-word essay, while you take 15 minutes, then the average student would have written 600 words’ worth of essay in those 15 minutes while you struggle with your 200 words!

One way to improve your writing speed is to write more often and time yourself each time you write. Another way is to experiment with your writing technique. Try using big handwriting and small handwriting. Which way works faster for you?

A third way is to experiment with different types of pens or pencils. Some pens are smoother to write with, and therefore, would help to increase your writing speed.

17. Forgetting To Answer Unanswered Questions.

"Forget to answer unanswered questions? This problem won’t happen to me!" you may think. Yet, this is a recurring problem in tests and exams. If everybody thinks it is a problem that won’t happen to him, then why does the problem still persist? It all boils down to carelessness.

Some students leave the difficult questions to the last, but they forget to return to a few of them later. Some students get stuck at a tough question and decide to skip it for the moment. Then they forget to skip back to the question.

Some students flip through a paper and one way or another, miss an entire page of questions. And, of course, there are rare cases of missing printed pages in a copy of a test or exam paper. And it so happens that the students who receive such papers never realise that, and so they never get the chance to answer the questions on the missing printed pages.

To avoid getting caught with the problem of forgetting to answer unanswered questions:

1. Always check the number of questions in a test or exam paper the moment you receive it. Make sure their total marks add up to the maximum for that paper, e.g. 100 marks.

2. Circle or highlight those questions that you cannot answer or choose to answer later. Remember to return to these circled or highlighted questions later.

3. Always check the total marks of all the questions that you have answered add up to the maximum for that paper, e.g. 100 marks.

18. Failing To Check Your Answers.

So you have finished a paper 30 minutes ahead of time. Do you

1. look around you and sneer at those students who are still struggling with their papers,

2. sit back and relax,

3. ask the teacher or examiner whether you can leave early,

4. wish fervently that time will pass quickly so that you can leave soon, or

5. check your answers?

If you always check your answers once you have finished a paper ahead of time, good for you! Otherwise, you should start doing so!

What some students never realise is that, in their rush to finish a paper ahead of time, they may have inadvertently

1. answered a question incorrectly or incompletely,

2. left a question unanswered, or

3. forgotten to fill in the blanks that resulted from their use of correcting fluids.

Always strive to complete a paper at least 10 to 15 minutes ahead of time. Then make use of this spare time to check through your paper at least twice. You may be pleasantly surprised that you can spot an error or two in your answers, and that you have the time needed to make the corrections.

19. Failing To Bring Along Required Stationery Or Items.

You are sitting for a paper that requires the use of a calculator, compass and protractor, but you have forgotten to bring all of them! If you realise it in the midst of a paper, you will be stuck because you are not allowed to talk to the other candidates, and hence, you cannot borrow these items from them. If you realise it before a paper, you may not have better luck because your classmates will also need these items, and they are very unlikely to have spare ones. So what should you do?

First of all, list down the stationery and items that you will need for all your papers. On the day of a paper, look through this list and get the required stationery and items ready before you leave your house. Where possible, bring along at least two of each item and stationery you need, in case the first one malfunctions suddenly. This could mean bringing along two pens, two pencils, two erasers, two rulers, two protractors, two calculators and so on so forth.

In the event that you still forget to bring along a required item or stationery, seek help from your classmates, any teacher in your school’s Teachers’ Room or any staff in your school’s Principal’s Office if the paper is not due to commence yet.

If the paper has already commenced, don't just sit there and sigh, or try to get by without the use of the required stationery. Raise your hands and seek help from your teacher or the examiner immediately. They will try their best to help you.

20. Forgetting To Write Down Your Names And Other Personal Particulars.

You have submitted your paper and your teacher has packed all the papers neatly. Suddenly, you realise that you haven’t written down your name, class and index number on your paper!

Fortunately, your teacher is the examiner in this case, and he or she can identify you and your handwriting. If you immediately inform him or her, he or she would be able to retrieve your paper for you, and you can quickly add in your name and other details on the spot.

But what if the examiner is not your teacher but a teacher from another school, and you inform him or her only after all the candidates have dispersed? In major examinations, such as PSLE, GCE "O" and "A" levels, and university exams, the examiners are usually not from your school. How would the examiner be able to verify if you are indeed one of the candidates who has sat for the paper?

Worst of all, what if the examiners have already left the school? The prospect of you getting zero mark for the paper is not unreal.

The only way you can prevent this problem from happening to you is to make sure that you write down your name and other personal particulars on every piece of your test or exam paper, and check that everything is in order before you submit your paper.

You should write down your name and other personal particulars on the inside pages of a paper as well, because sometimes a whole stack of papers may fall apart during transit.

With your name and other personal particulars on each piece of the test or exam paper, including the inside pages, you can feel safer and more secure.

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