Monday, November 29, 2010

How much would you like a toothbrush?

How much would you like a toothbrush?

AEPA-Overview

The Arizona Educator Proficiency Assessments (AEPA), are required by the Arizona State Board of Education. It is a certification process designed by the board to assess the teachers based on their professional knowledge based on some well defined criterion.
For establishing these criterion, the standard qualifications, the curriculum being studied and and the college degree subject material are used as foundation.
These tests are based on many criterion including Professional knowledge, and the examination for Professional Knowledge consists of 100 written multiple choice questions and also written responses. The AEPA also include examinations testing the applicants knowledge of the Constitutions of the United States and Arizona. Also, Administrative test, comprising supervisor tests and Superintendent and principal assesments are a part of the assessment. The assessment also comprises of a examination of Subject Knowledge, which have 100 multiple choice questions and also written response questions. Language assessment tests for German, French or SPanish have 55 multiple choice questions and one written choice question with a spoken portion. A basic skills examination also forms a part of the assessment and includes 42 multiple choice questions on math and comprehension. This test also assesses writing skills.

All os the exam questions may not count toward the result as some questions are part of the test for trial, to check if they can be included in future tests. The minimum passing score is 240.

It is well known the these exams are tough to crack. It is not uncommon for candidates with even deep and thorough knowledge to fail. Also, candidates who fail the first time usually opt to give the exams a second time. Candidates should study thoroughly and make sure sufficient time is devoted towards study. Candidates can also refer to exam study guide or study using exam flashcards so that weakness in the preparations may be identified and adequate attention to that particular area is given.

No Teletrack Direct Payday Lenders

No teletrack Direct payday Lenders are basically a group of lenders that provide cash loans for emergency use at short notice. The cash loan acquired through these lenders may be used for paying off business bills or even for personal emergency liabilities.

The lenders may be direct or indirect. Direct lenders are preferable over indirect lenders. Direct lenders deal directly with their customer and have their own personal sites set up all over the net through which borrowers in need of immediate cash can contact them and fill up application forms which help these lenders to judge the credit worthiness and financial position of these buyers. In dealing with direct payday lenders, the interest rate is usually lower than indirect payday lenders as no third party is involved. Also the services provided by them are much faster and the formalities are much less stringent. Infact the services are so quick that most payday lenders complete all paperwork and transfer the funds to the borrower within 24 hours at most.
Indirect lenders charge rates almost equivalent of those to banks and financial institutions and may take much more time.

Although it is a borrower friendly procedure but the payback terms and policies for direct lenders are pretty much stringent and borrowers shall make sure they are aware and have thoroughly read the loan agreement and any contingencies that may arise before they apply for the loan.

In case any borrower is unable to repay the loan within stipulated period, direct lenders usually increase the interest rates and borrowers may  also incr any additional charges levied upon them by the lenders. The loan period for these loans is extremely short with lenders granting 4 weeks at most for the borrowers to repay the loan.
Also, small and petty loan requirements cannot be met through direct lenders as these do not provide small loans below 1500$.

Because of these considerations, the borrower should be alert and aware and handle their finances resposibly and with care so that the no teletrack direct payday lenders are paid off within the period of the loan.