ACT Or SAT? Five Tips to Pick the Right College Entrance Exam

The SAT and ACT are both respected, nationally-recognized tests. Historically, there’s been a geographic divide between the two; nowadays, very few colleges require or prefer one test over the other. So which one should you take? Well, since you can’t really say one test is any easier than the other, that all depends on your skills and preferences. Basically, you should go for the one you’ll score higher on!

Here are some tips to help you make your decision:

1. Who says size doesn’t matter?

The ACT is a shorter test. The SAT takes a whopping 3 hours, 45 minutes, while the ACT comes out to a hefty 2 hours, 55 minutes, making the SAT about 30% longer than the ACT. Either way, you’re stuck taking a long test. If you have a ridiculously short attention span, then the ACT might be right for you, but realistically, after nearly 3 hours, why sweat an extra 50 minutes?

2. When in doubt, just guess… right?

The SAT has a guessing penalty – minus a quarter of a point for each incorrect response. Not so with the ACT. Guess away! So you should answer every question on the ACT, but on the SAT, you should just leave the answer blank when you can’t eliminate at least one answer choice. Does this make the SAT “harder”? Not really. With the right strategies, you can even make the SAT’s guessing penalty work to your advantage.

3. It’s a bird! It’s a plane! It’s superscore!

The SAT reports each of your three “subscores” separately-one each for critical reading, writing, and mathematics. So, many colleges will combine your best three subscores from all the times you’ve taken the SAT to make a “superscore.” In the past, schools would not do this with the ACT. Recently, however, many schools have begun to make ACT “superscores” too.

4. What is the difference anyway?

Both tests have a grammar, reading comprehension, essay and math portions. The ACT has an extra “science” section, but don’t worry. I used quotes because it’s really just another test of your reasoning skills – not much chemistry, physics or biology knowledge needed. Broadly speaking, the ACT tests skills that you (should have) learned in high school, while the SAT tries to evaluate your innate problem-solving abilities.

For example, the ACT math section tests a few topics that typically aren’t covered until pre-calculus. While the SAT leaves out these topics, its math problems generally have more complicated setups.

The ACT’s essay is optional, but some colleges require it anyway. Its essay topics are always questions of school policy, while the SAT’s essays deal with more abstract moral or philosophical issues.

In the critical reading sections, the SAT’s vocabulary is harder, but the ACT taxes your critical reading and analysis skills. The ACT English section gives you a couple of long passages with grammar and critical reading questions mixed together; the SAT tests reading and grammar separately.

5. You can’t know if you like it till you’ve tried it!

How do I know which test is better for me? Try them! Take some free practice tests online and see which one fits your fancy. Both the SAT and ACT offer practice questions or tests on their official websites.

Car Insurance for Bad Drivers: Four Tips for Lower Rates

If you have bad credit or at fault accidents on your record you probably know that car insurance for bad drivers can be very expensive. Your rates will always be higher than those of someone with good credit and a clean driving record. However, it is possible to get car insurance for bad drivers at reasonable rates. Consider the following five things you should do if you are classified as a bad driver.

Repair Your Credit Report

There are several steps you can take to fix your credit report ratings and score. The following options will get you back on track quickly.

• Pay off any negative items on your credit report.

• Establish new positive credit with prepaid credit cards.

• Take out a new loan and make monthly payments on time.

• Review your report to make sure everything is accurate.

• Update your information with credit bureaus, such as address, phone number, and place of employment.

Improving your credit score can help lower your car insurance for bad driver’s rates. After all half of the cost of your car insurance comes from the rating on your credit report.

Complete a Driver Training Course

Many states offer adult driver training courses. These courses are like a driver’s education for adults. With these courses you can improve your driving skills. If you have had moving violations or at-fault accidents this course can help you learn to drive safer. Learning to drive appropriately will help you avoid any future tickets and hopefully keep you out of future wrecks.

However, these courses also provide you with documentation that you have passed the course and are supposedly a better driver. You can submit this information to your car insurance company. Hopefully your car insurance company will give you a break on your premium due to the fact that you are trying to be a better driver.

Choose a Company with Accident Forgiveness

Many companies offer accident forgiveness today. For each year that you don’t have an accident your insurance rates will decrease. This usually lasts for five years. On some cases you have to be with the company when you have the accident for them to forgive it. However, some companies will allow you to join the program even if you had the accident while you were with a different company.

Shop Around for the Best Rates

Getting the best rate can take time and patience. But if you are prepared to do your homework and compare rates you can lower your premium. Start by searching online, by your zip code, for affordable companies. You can complete car insurance for bad driver’s comparisons of five or more companies at the same time. Once you have the comparison available you need to make sure you are comparing similar quotes.

Check to make sure each quote you compare offers the same deductible, comprehensive or liability coverage levels, and the same medical coverage. One company may offer dirt cheap rates but the coverage levels are way lower than the other companies.

As you can see there are several options for affordable car insurance for bad drivers. The key is to be proactive about finding car insurance you can afford. Companies are going to give you high rates if they think you aren’t aware of your options.