Changing date on Quicken Loan

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You are now chatting with Melissa ******.
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Melissa Delia: 

Hello Tim, how are you today?

Tim odoms: Hello Melissa, I already have a loan. I just want to change the due date. The 1st is a hard date to make. To early and money hasn't come in. One day delay after payday and i'm late. I'm great. Thank you.
Melissa Delia: 

Thank you for letting me know.  Our client relations team can help with that.  Just a moment while I connect you with them please. 

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You are now chatting with Ryan *****.
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Ryan Cross: 

Hello, my name is Ryan and I am a servicing advocate with Quicken Loans Client Relations. Please allow me a moment to review the previous conversation so that I can best assist you.

Tim odoms: k
Ryan Cross: 

Thank you for your patience, Tim. The due date of your loan will always remain the 1st, per your mortgage note. However, we offer our clients a 15 day grace period that extends until 11:30p EST on the 16th of each month. As long as your payment is posted by then, you do not have to worry about being late!

Tim odoms: ok, thank you.
Tim odoms: That's all
Ryan Cross: 

You're welcome! Thank you for chatting with me and have a great day!

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Copy of Chat Conversation with Marriott Chat Representative.

Marriott Rep (12/14/2017, 1:53:43 PM): You have been connected to Marriott Rep. How may I help you? 

Me (12/14/2017, 1:54:01 PM): I just booked a hotel. Are you able to see it? 

Marriott Rep (12/14/2017, 1:55:12 PM): Hello, and thank you for being a loyal Marriott Rewards Silver Member. I will be happy to assist you today, Mr. *******. 

Marriott Rep (12/14/2017, 1:55:25 PM): I can see the property but not your confirmation number. 

Me (12/14/2017, 1:55:48 PM): I was hoping to change the reservation slightly, Are you able to assist? 

Marriott Rep (12/14/2017, 1:56:35 PM): Absolutely. Can you provide me with the confirmation number please. 

Me (12/14/2017, 1:56:50 PM): ******** 

Marriott Rep (12/14/2017, 1:57:04 PM): What would you like to modify on the reservation? 

Me (12/14/2017, 1:57:38 PM): Is the only difference between "M Club level, Guest room, 1 King or 2 Double, Top floor, Balcony" and "M Club level, Guest room, 1 King or 2 Double" is the location of the room? 

Marriott Rep (12/14/2017, 2:00:41 PM): Yes its the location and the baloncy. 

Marriott Rep (12/14/2017, 2:00:45 PM): Balcony* 

Me (12/14/2017, 2:02:46 PM): I would like to change to a non-balcony room. In addition, we have a child with autism. So, in the interest of  your others customers. It's best to try and put us somewhere out of the way. He runs, jumps, yells. There isn't much we can do about it. Previous Marriotts have  put us over offices, empty room, first flooor, and what not. 

Marriott Rep (12/14/2017, 2:03:11 PM): Sure no problem. I can definitely make note of that for your sir. One moment please. 

Me (12/14/2017, 2:05:17 PM): Thank you. 

Marriott Rep (12/14/2017, 2:07:44 PM): Did you need the king or two double beds> 

Me (12/14/2017, 2:07:57 PM): double beds. There is no couch in there? 

Marriott Rep (12/14/2017, 2:08:44 PM): No couch but a rollaway is permitted. 

Me (12/14/2017, 2:09:02 PM): The hotel offers the bed? 

Marriott Rep (12/14/2017, 2:09:06 PM): Yes. 

Me (12/14/2017, 2:09:15 PM): extra charge? 

Marriott Rep (12/14/2017, 2:09:37 PM): No sir. 

Me (12/14/2017, 2:09:47 PM): Ok, I think we're good. 

Me (12/14/2017, 2:10:00 PM): I still get the M club access? 

Marriott Rep (12/14/2017, 2:10:20 PM): Yes sir. 

Me (12/14/2017, 2:10:24 PM): ok, ty 

Marriott Rep (12/14/2017, 2:10:55 PM): Ok your reservation has been modified. Was there anything else I could assist you with today? 

Me (12/14/2017, 2:11:02 PM): no ty. 

Marriott Rep (12/14/2017, 2:11:09 PM): It was a pleasure chatting with you! When you are ready you may select the "save" option at the top of your screen if you wish to have access to your chat transcript. To finish your chat session press the "end chat" button at the upper right-hand corner of the chat window. Once you've ended this session you will be prompted to complete a short, 4 question survey. We value and appreciate your feedback and if you were pleased with your chat agent today! Please take a moment to complete this survey and let us know what we are doing well or what we could do better. Thank you for choosing Marriott and have a wonderful day! 

How to Pass the Natural Science Clep Exam

You need a 50 to pass this exam. I obtained a 63. I was so mad during this test. I had heard it was difficult and it was. I was so mad during the test. So many people had offered study guides to pass this. I used one flashcard and video driven review site that cost me $20. I also used the review that was suggested by the people who run the Clep system. It consist of videos and a bunch of reading. I didn't find this till later. I watched the videos which were mildly useful. I didn't read much of the textbook excerpts. However, if your looking for an article like this I doubt you want to read a bunch of textbook material. 

So, here is my observations:

I should have studied in breadth and not in depth. Another words I should have studied many topics related to the sciences covered and not gone to deep into a few topics. 

I shouldn't have worried about formulas. There wasn't enough questions to justify it. I could have read more about more topics and gotten further than worrying about a minimal amount of questions involving a formula. 

I was shocked there wasn't more questions about Physics and Thermodynamics. 

There really wasn't extra time to go back and check very many answer. 

How to Pass Organizational Behavior Catalog number: BUSx315 From Excelsior College

I passed this test with an A. I have limited time being a full time employee, living an hour from work and working with a son who is severely disabled. One of the books that was suggested by Excelsior College was 

Organizational Behavior 17TH 17

Author: Robbins

ISBN-13: 978-0-13-410398-3

ISBN-10: 0-13-410398-X

Edition/Copyright: 17TH 17

Publisher: Pearson

I went to https://www.audible.com/ and signed up for their free 30 day trail. I then downloaded VangoNotes for Organizational Behavior, 12/e to my phone and listed to it everyday to work and back. This alone and being in the work force for a couple of decades was probably enough to pass the test. However, I like to be prepared. So, I went through a couple of hundred flash cards a few times. I recommend buying the package with the practice test. The practice tests for Organizational Behavior were more helpful than the practice test for Business Ethics. 

I did not bother to read 

Organizational Behavior 8TH 13

Author: Nelson, Debra L.

ISBN-13: 978-1-111-82586-7

ISBN-10: 1-111-82586-6

Edition/Copyright: 8TH 13

Publisher: South-Western Publishing Co.

How to pass Business Ethics Catalog number: BUSx323 at Excelsior College

I passed this test with a B. I recommend paying the few dollars for the two practice test. The way it's worded on the site made me think you only received one  practice test when you purchased the package but you receive two. The second appears after you complete the first one. I read the recommended reading:

Business, Society, and Government Essentials 2ND 14
Author:
Lussier, Robert N.
ISBN-13:
978-0-415-62210-3
ISBN-10:
0-415-62210-7
Edition/Copyright:
2ND 14
Publisher:
Routledge N. Y.

I also made flashcards for all the highlighted and italicized sections of the book. It was outlined very well. I studied those for a few weeks. 

There was a few things that bothered me on this exam. Most of the questions on the exam did not cover much of what was in the book. Also, the practice test didn't cover much of what was on the test either. Each practice test and exam felt like I was looking at completely new material. I would caution on  over study. Do some study. Take the practice test. Study those answers and then take the test. Since the package comes with an extra chance to take the test, I would try to understudy  and pass first.