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Use your professional common sense. Show up on time and well-groomed. Make sure to bring any materials that were requested. Schedule your day so that you have plenty of time for the test. This will help you avoid becoming flustered if the process runs long. Make sure to eat a light and balanced meal before the test. Being hungry can adversely affect your personality, so arrive properly nourished. You can and should ask questions before and during the testing. Try to determine the format of the exam. You can also ask how your results will be used. It is also good to know who will have access to your results. While you are taking the test, make sure to ask for clarification if any question is unclear. The examiner should be able to provide context or clarification. Remember, it is not just your answers that are being evaluated. Your overall persona is also being considered. Testing is part of the interview process, so make sure that you remain professional and confident throughout the entire process. If you become flustered, take a few seconds to gather your thoughts. You can also step outside for a moment under the pretense of using the restroom. This will allow you time to take some deep breaths and collect yourself. Do not try to portray yourself as anyone other than who you are. First of all, dishonesty is likely to be reflected in your answers. This would not be seen as an asset for any job. Second, you do not want to give the employer any false expectations of your character. Any false information would likely come to light after you start the job. Remember that this test does not contain right or wrong answers. There is no benefit to being dishonest.

summary: Come prepared. Ask questions. Stay in interview mode. Be honest.

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Some lenders will allow you to get a loan with less than a 20% down payment. Ordinarily, this would require you to make monthly PMI payments, at least until you pay down a good portion of the loan. However, if the lender offers the Lender-Paid Mortgage Insurance (LPMI) option, then the lender will include the amount of the insurance in the loan itself. This usually requires a slightly higher interest rate, but the overall cost over time winds up being less than paying PMI yourself. Just as lenders have different mortgage rates for "regular" loans, they also have different rates for LPMI loans. You will want to shop around online or by calling local lenders in your area to find who has the best lending rates for this option. Be sure to make it clear that you are asking about the LPMI option. You will need to compare the monthly payments under a regular loan, at a lower rate with PMI payments added, to the monthly payment of an LPMI loan, at a higher rate without PMI. To get these figures, you will need to use a loan calculator online, and check with lenders about their LPMI interest rates. Suppose someone wants to purchase a property worth $100,000, with an LTV of 90% (that means a $10,000 down payment). This would require monthly PMI payments of, in this example, $52. This buyer can find a 30-year mortgage at 3.75%, which results in monthly payments of $463.12 (loan payment) + $52 (PMI) = $515.12 (monthly payment). Alternatively, the same buyer finds that the lender will give a 30-year mortgage at 4.00% with the insurance rolled in. This results in monthly payments of $477.42 (loan) + $0 (no PMI) = $477.42. The LPMI monthly payment is lower in this instance (but it won't always be).

summary: Research the option. Shop around for rates. Calculate the costs.

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There are many tinted moisturizers available that will provide light coverage for your freckles. Many of these contain sunscreen as well, with an SPF 15 to 30 rating. Go for the SPF 30 if you can find it. This will help to provide some coverage of your freckles and protect your skin from the sun as well. Mineral foundation helps conceal and blend freckles with your natural skin tone. Consult a mineral makeup consultant to determine which foundation color works best for your particular complexion. Choose a foundation in between your lighter color and the color of your freckles. Apply the mineral foundation all over with a kabuki brush to get the natural, flawless look mineral makeup is known for. This type of foundation is great for people with dry skin. Choose a color slightly lighter than the color of your freckles. Apply the foundation with a cotton ball or makeup applicator, and make sure to blend it well for best results. Applying a small amount of powder over the foundation helps it set and stay in place all day. Avoid the temptation to apply more than one layer of foundation. You may end up drawing extra attention to the areas you'd like to cover.
summary: Use a tinted moisturizer that contains sunscreen. Try natural mineral foundation. Use a cream foundation.