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empower educated financial decision making
Our dedicated team helps make a difference for others.
Trusted organizations work with NEFE to reach the underserved.
We value your questions and comments about NEFE's public services.
NEFE has several resources to meet your various needs.
Find practical resources and materials designed with educators in mind.
In the spirit of cooperation, we can accomplish great things.
NEFE identifies and promotes in-depth exploration of financial issues.
NEFE helps consumers with financial well-being in practical ways.
Read about NEFE's current and past research endeavors.
NEFE funds original exploratory research on personal finance.
Tap into a variety of research-based resources to help you help others.
Read up on NEFE's latest news and timely stories.
With partners and independently, NEFE reaches many specific audiences.
Date: May 18, 2018
Contact: Paul Golden 303-224-3514, [email protected]
DENVER—Financial self-efficacy is a better predictor of financial well-being more than race, gender and socioeconomic background, according to a landmark 10-year study.
The Arizona Pathways to Life Success for University Students (APLUS) project has followed the same group of young adults from their first year in college through adulthood to measure how financial capability relates to happiness. The latest wave marks the fifth time APLUS participants have been surveyed since they started college as freshmen in 2008.
Now approaching age 30, APLUS participants show few differences in their achievement of adult milestones such as completing education, finding work and leaving the parental home. However, some groups are thriving more than others. Financial self-efficacy (e.g., confidence in one's ability to perform financial tasks, such as paying bills) is a stronger indicator of positive well-being over race, gender, socioeconomic level or first-generation college status, according to the study funded by the National Endowment for Financial Education® (NEFE®).
Although many APLUS participants continue to rely on their parents for financial knowledge and support, the study finds that receiving financial assistance from family is linked to lower well-being, even in participants from higher socioeconomic backgrounds.
"Self-efficacy isn't defined as just having knowledge and skills, but believing in success as long as you try," says Ted Beck, NEFE president and CEO. "That confidence develops from performing financial tasks on your own—not relying on your parents to do it for you."
Self-assessed financial efficacy dropped for everyone in this wave of data collection, however men continued to rate themselves higher than women, a trend seen throughout the study.
"Perhaps as they face more complex financial decisions about housing, retirement and health insurance, young adults' confidence wavers," Beck says. "It's important for parents to focus more on sharing information and less on sharing money during these key transitions to adulthood."
Men and women tend to consult the same types of resources when seeking financial information, but in the opposite order. While men first go to websites, then ask their employers, and only then consult their parents. Women start with their parents, then their employers, and only then turn to the internet. Men also tend to check more sources.
Overall, men seem to be doing slightly better:
Men show slightly higher objective financial knowledge in this wave, despite being equal with women earlier in the study.
Men's self-assessed knowledge of retirement accounts was 19 percent higher than women's.
Although men and women are equally employed, men earn significantly more—45 percent of men in the study earned $60,000 annually compared to only 27 percent of women.
Women are more likely to have a second job.
Women are more likely to receive financial help from family.
"Women seem to be more relationship oriented as they seek information, while men are more likely to investigate on their own. This could be a key factor in higher confidence among men," adds Beck, who is retiring from NEFE after 13 years.
"In addition to offering timely and relevant information around milestones like home buying and workplace benefits, the financial education field must use data to shape experiences for multiple learning styles, and scale these through online learning environments," says Billy Hensley, Ph.D., newly-named president and CEO of NEFE. Hensley has served as senior director of education with NEFE for the past eight years.
Self-efficacy requires belief in your own abilities, but unfortunately some groups don't see themselves accurately:
First-generation college students performed better than their peers in objective financial knowledge, yet they reported feeling less confident and capable.
Actual knowledge for all socioeconomic groups remained similar, but lower socioeconomic groups ranked their self-assessed knowledge much lower.
Hispanics' self-assessed knowledge dropped significantly in this wave.
"Data is crucial, not just for educators and policymakers, but for individuals. Seeing the raw numbers would show some groups are doing better than they think," Beck says. "Accurate assessment of one's progress can be a confidence booster."
"Learners will shape the educational world of the future through data, and individuals will be able to use their own personal information to improve themselves," Hensley says. "Self-efficacy begins by seeing clearly where you are and actively participating in your financial life."
For complete findings of the research, click here.
The landmark study, Arizona Pathways to Life Success for University Students (APLUS), launched in the spring of 2008 with 2,098 University of Arizona freshmen. Researchers followed and surveyed the participants five times from 2008-2016. The principal investigators are Joyce Serido, Ph.D., University of Minnesota, and Soyeon Shim, Ph.D., University of Wisconsin-Madison. Detailed reports on findings from each wave are available at https://www.aplushappiness.org.
Direct: 303-224-3514
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Glenville, WV - Charleston, WV
We provide Wetlands Delineation as outlined in 1987 Amy Corps of Engineers Wetland Delineation Manual. Our environmental department will review the National Wetlands Inventory Maps, the soil survey, and any available aerial photographs and topographic maps to determine the potential wetland areas.
Wetlands are defined as areas that are inundated or saturated by surface or ground water at a frequency and duration sufficient to support, and that under normal circumstances do support, a prevalence of vegetation typically adapted for life in saturated soil conditions.
Wetlands generally include swamps, marshes, bogs and other similar areas. Wetlands typically have hydric soils, hydrophobic vegetation and wetland hydrology. Wetlands are an important part of any ecosystem and have many functions and values such as:
Congress recognized the value of wetlands and created the Clean Water Act (CWA) in 1972. The objective of the CWA is to "maintain and restore the chemical, physical, and biological integrity of the waters of the United States." Section 404 of the CWA authorizes the Secretary of the Army working with Chief of Engineers to issue permits for the discharge of dredged or fill material into wetlands.
Wetland Delineation is a process that determines the boundary between a wetland and a upland. Wetland delineation is performed when a planned activity will involve placing fill material in a potential wetland area. Common activities that involve placing fill include grading and leveling, the construction of malls, housing development, golf courses and roads. Identifying the locations and size of wetlands is necessary to comply with federal and state laws.
The result of a delineator's efforts is a wetland delineation report, which consists of a map of the wetlands and supporting data sheets, written descriptions and photographs. The delineation report is submitted to the U.S. Army Corps of Engineers for review and approval.
Nationwide Permit
A Nationwide Permit (NWP) authorizes a category of activities throughout the nation that have been determined to have minor impacts.[/content][title]Individual Permit[/title][content]Individual permits are required for discharges that are not either exempt or covered by a NWP or RGP. The individual permit process involves a full public interest review.
Water Protection General Permits
Certain activities that are considered to have minimal impacts to human health and the environment may be covered under one of these WVDEP general permit regulations.
Water Protection Individual Permits
Activities that cause significant alteration or degradation of existing wetland acreage or functions. Most times in this situation a Section 404 permit is also required. In this case a joint permit from both West Virginia Department of Environmental Protection and the Army Corps of Engineers is requested.
Water Protection Construction Monitoring & Reporting
The impact areas that are covered under the permits are generally required to have either a monthly or quarterly monitoring report submitted to West Virginia Department of Environmental Protection to ensure that only the permitted areas are being impacted.

subset: commoncrawl


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A 2017 article published by the National Academies of Sciences, Engineering and Medicine conducted a study in which the results concluded, "In adults with chronic pain, patients who were treated with cannabis or cannabinoids are more likely to experience a clinically significant reduction in pain symptoms." This statement is quite a massive development for the increasing of tolerance towards CBD and CBD based products.
The 2014 Farm Bill[74], legalized the sale of "non-viable hemp material" grown within states participating in the Hemp Pilot Program[75]. This legislation defined hemp as cannabis containing less than 0.3% of THC delta-9, grown within the regulatory framework of the Hemp Pilot Program. This has led many to insist that CBD manufactured from hemp, is legal in all 50 states and exempts its oversight by the DEA as a controlled substance[76]. The 2018 Farm Bill is anticipated to provide further clarity regarding hemp regulations[77].
There has been a lot of hype recently, especially throughout the media, regarding the rising-in-popularity CBD, but still plenty of confusion may exist regarding this naturally occurring chemical's abilities, composition and why exactly it works. Probably the two most common topical forms of CBD are oils and creams, so these are the two products we will be focusing on.
Does anybody know about cbd vs thc for chronic exhaustion? There are times that I can barely get out of bed and can't do work due to it, and it has gotten my mood swings to go over the roof! I don't have much interest in doing just thc because it makes me feel more lethargic, but cbd has seem to be able to help me! I need to know if someone has used it for this problem, and is results
I am just starting to look at cannabis for pain management/healing/improvement in my health. I am 53 and as of right now have been diagnosed with bone on bone arthritis in my hips. But that is not the only issue. Even though the joints hurt, I have some extreme pain in my butt and legs, due to inflammation and muscles tightening up. I lose a lot of sleep, and am limited to how far I can walk, and am using a cane or walker to get around. I have no Health Insurance, but have gone to a clinic to receive an anti-inflammatory prescription, and minimal amount of muscle relaxants… 30 pills for a month, as the doctor fears I will become addicted. Both meds have helped, but I still have lots of pain. Can anyone share their experience on how CBD Hemp oil, or other cannabis products have helped them? I live in California, which just passed recreational marijuana use into law. Would this mean that you can get Hemp oil/ marijuana extract without a prescription? if so, where? So many questions! I know that most days, when I am not sitting down, my pain can reach 8-12 on a scale of 1-10, so I am really anxious to find something that will work! TYIA 🙂
The theoretical logic is there, Gerdeman says. What exactly is that thinking? Well, there are a few different ways CBD could help regulate pain—by increasing your natural endocannabinoids, decreasing your inflammatory response, and desensitizing your pain receptors (although it's still unclear whether this stands when absorbed topically compared to orally).
Hi, I had ovarian cancer stage 2 and went to do chemotherapy for 16 times in 2014. It came back last year 2016 but I did not do chemotherapy or radiation therapy as suggested by the doctor. I am taking hormone therapy at the moment. I would like to use cannabis oil but which one and how much CBD and how much THC should I take for ovarian cancer? Can anyone give some idea?. Thank you very much.
Hey Yani- I'm up in WA and had acquired a topical oil made by a friend that worked wonders on angry joints. I know they started from leaf to create. I'm not capable of doing that and am wondering if you have recommendations for resources how to make my own salve from concentrate. I make my own coconut oil/essential oil mixtures already… I'm just not entirely certain where to started with adding in CBD/THC.
Scientists have made a lot of progress in understanding how CBD produces its calming, pain-reducing, anti-inflammatory effects in the body—and there's still more to learn. We know that CBD interacts with many different receptors, proteins, and other chemicals in the brain. These interactions create changes in the activity of neurotransmitters, hormones, and other cells throughout the brain and body. Through these interactions, CBD appears to be able to affect many of the body's functions, from sleep-wake cycles and emotional regulation to inflammation, pain perception, and seizures.
CBD Topicals are topically applied creams, balms, lotions, salves and other ointments for the skin. From transdermal CBD creams to targeted topicals or salves, CBD Oil Solutions offers a wide range of CBD Oil Topicals. The products contain an active amount of Cannabidiol and cannabinoids that have shown a wide range of benefits both to the skin externally and the muscles, tendons and joints below the surface.
After seasonal harvests of specific cultivars, these high-CBD hemp crops are put through a specialized solvent-free extraction process to yield a hemp oil that is naturally high in cannabidiol. This pure hemp extract is then tested for safety, quality, and cannabinoid content before being exported to our processing facilities in the United States. Importing any cannabis or hemp product into the United States is a complicated and serious task, so we leave nothing to chance before our high-CBD hemp oil makes its journey across the Atlantic Ocean.
Interestingly, the memo argues that while California is willing to challenge the federal government's authority when it comes to legalizing cannabis, it's not willing to challenge the federal government when it comes to hemp. The memo states: "Although California currently allows the manufacturing and sales of cannabis products (including edibles), the use of industrial hemp as the source of CBD to be added to food products is prohibited. Until the FDA rules that industrial hemp-derived CBD oil and CBD products can be used as a food or California makes a determination that they are safe to use for human and animal consumption, CBD products are not an approved food, food ingredient, food additive, or dietary supplement."
Cannabidiol (CBD), a non-psychoactive segment of the marijuana plant, has created huge enthusiasm among researchers and physicians. CBD Oil applies its remedial effect on an atomic level is as yet being sorted out. Cannabidiol is a pleiotropic sedate in that it produces numerous impacts through various atomic pathways. CBD Oil acts through different receptor-free channels and by official with various non-cannabinoid receptors and particle channels.
Complementing every small-batch roast is a full-spectrum CBD (Cannabidiol) extract that's derived from organically-grown, outdoor hemp. While these extracts smelling of cherry and pepper are delicious in their own right, they can often overpower the original coffee notes. After years of experimentation and thousands of oftentimes unpleasant cups of coffee, we settled on a way to preserve the delicious coffee profile that we want to experience. It turns out it's best to infuse hemp extracts directly into the naturally occurring oils expressed from the raw coffee beans during the roasting process.
We don't know how CBD affects the brain in any kind of depth. We don't know which doses and delivery methods are best for different outcomes. We don't know how CBD interacts with most other drugs or foods. We don't know the differences between the effects of isolates and full-spectrum preparations. We don't even know how many cannabinoids there are. California, for what it's worth, seems aware and concerned about this whole thing.
Ingredients: 100 mg Hemp Flower Extract, Organic Coconut Oil, Organic Shea Butter, Cocoa Butter, Beeswax, Organic Menthol Crystals, Boswellia Extract Powder, White Willow Bark Extract, Organic Cayenne, Organic Calendula Flowers, Organic Ginger, Arnica Oil, Capsicum Oil, Sunflower Oil, Essential Oils: Wintergreen, Organic Eucalyptus, Peppermint, Lavender, and Ginger
CBD strains can be consumed just as you would THC strains. You can smoke or vaporize CBD-rich flower, eat a CBD-infused edible, swallow a CBD oil capsule, apply a CBD lotion, or use a CBD tincture sublingually. Hemp products also contain CBD, though it is a less efficient source and lacks the beneficial chemical diversity of cannabis-derived CBD products (more on that here).
I also have neuropathy. Mine is caused from Lyme, I have both Burgdorferri and Bartonella bacteria. First my feet went numb, kind-of. I guess I would describe it as feeling like I am walking on pebbles. Then my shins started. It is so painful and, of course, the doctors think I am lying so that I can score drugs. I am 65 years young. They also keep testing me for diabetes. My Hgb A1C is, and has always been, normal, along with my glucose levels. My shins were so painful that I would wake up frequently during the night. Soooo, I got myself some high CBD and low THC leaf. (Medical marijuana) I have tried rolling it and smoking it, I bought a small pipe and smoked it,
Look up Chris Shade (quicksilver scientific) on YouTube, specifically a webinar entitled 'Cannabidiol: The Full Story pt.2'. He is a brilliant biochemist who has been studying the biochemical effects of cannabidiol. He says that CBD has the potential to be more therapeutic than THC as it up-regulates/down-regulates gene expression in over 400 genes each way (up and down). A great balancer and extremely helpful in treating Lyme, more specifically allowing for more aggressive detoxification of the Lyme and co-infections. There is also considerably symbiosis with heavy metals, molds, EMF's, etc. so you must also address those aspects. It's supremely complex and even most Lyme literate docs don't deal with all aspects. Antibiotics are often counterproductive with persistent Lyme as the spirochetes protect themselves with a biofilm that must be broken down (Interfase Plus). Protocols must be comprehensive in order to make progress. If you have not checked your CD57, do that. It's a marker for natural killer cells commonly associated with Lyme (a simplistic explanation). The reference range is 100-300. First time I had it checked 2 years ago, it was 48. Despite modest attempts to boost my CD57 with some of the Nutramedix products, I only got 6-7 point increase per year. In April of this year, I got more aggressive with a homeopathic regimen, taking a variety of the Cowden (Nutramedix), Buhner and other products. The next time I checked CD57, two months later, it jumped 70 points… remarkable by any measure. My western blot also went from 2 bands to 5 bands as my body as finally able to mount an antibody response. I can't say for sure which products had the biggest impact, but if I had to guess, it would be the Biocidin LSF (liposomal) and perhaps DesBio Lyme Plus. But I was also taking Samento, Burbur, Cumanda, resveratrol, glutathione, phosphatidylcholine, NanoMojo, and a variety of other things and a good supplement regimen. There is no one product answer. Cannabinoids can help with the symptoms and support a more aggressive regimen, but addressing the Lyme must be a multi-faceted effort. Be very wary of pulsed antibiotic protocols with doxycycline. It's not out of the question, but decimating your microbiome is counterproductive.
Marijuana is recreationally legal in nine states (and D.C.), but technically, CBD is legal in 43 states—as long as it has been derived from hemp, which contains very few traces of THC. But this also means a potentially less potent product. A 2015 study out of The Hebrew University of Jerusalem in Israel, found that whole-plant CBD is superior to hemp-derived CBD for the treatment of inflammatory and anxiety conditions. Flower Power's CBD coffee is derived from hemp and double-tested in a lab in Massachusetts to makes sure it's THC-free. Leivent says that if he lived and worked in a state where marijuana were recreationally legal, he'd get whole-plant CBD rather than the hemp-derived stuff. "CBD from whole-plant marijuana has other chemicals in it, minute cannabinoids that work synergistically with the body to create an entourage effect," says Leivent. "You get more of a medical effect with all of these chemicals working together rather than just one particular [hemp-based] isolate."
However (and this is very important), as has typically been the case with legal marijuana, the federal government mostly looks the other way while individual states decide how to treat CBD. As such, most states allow CBD products in some form, usually for medical purposes. The 30 states that have legalized medical marijuana include CBD products in that protection, while a number of other states have specific CBD laws that allow for those products in some form, so long as they also contain no more than a miniscule amount of THC. Only four states consider all cannabis-derived products, including CBD, to be illegal: Idaho, South Dakota, Nebraska and Kansas.
I have had several neurological conditions like Bells Palsy three times, double vision, paralysis of left side of tongue. I have a lot of relief whenever I have pain by taking an inflamattory drug etoshine90 mg. Presently I have started taking Steroids for my facial palsy. The various pains I was having on the left side of neck, below the left ear, dizziness, pain around the head have subsided immidiately after the first dose of prendisolone 60 mg.I have read that CBD hemp oil can be useful for my condition of neurological and inflammation issues. My question is what concentrate (mg) of the oil should I take and for how long. Any brand that you may suggest that are available in the UK. Thank you.
CBD is good for more than just your neurological issues. In fact, it can do wonders with your heart and your circulatory system. Naturally, this includes helping to lower your blood pressure. Most doctors agree that heart pressure can cause many other serious heart conditions, such as heart attacks, strokes, and the metabolic syndrome. Therefore, the most natural way to treat your blood pressure might be CBD oil.
People suffering from other neurological disorders might also benefit from using CBD oil as part of their treatment. Several studies involving Parkinson's disease showed that participants slept better after treatment. Furthermore, their overall quality of life increased. Amazingly, CBD also showed positive benefits in treating or preventing Alzheimer's disease. As CBD lowers inflammation, it helps prevent nerves from degenerating. During one study, scientists used mice with the genetic predisposition for Alzheimer's disease. They found that CBD helped by preventing the mice's cognitive decline.
Cannabidiol, or CBD for short, is a natural phyto-cannabinoid (or plant-based chemical compound) found in cannabis plants, including hemp and marijuana. Unlike other cannabinoids — namely tetrahydrocannabinol, or THC — CBD does not produce any psychoactive effects, and will actually counteract these effects to a degree. CBD will induce feelings of sleepiness; for this reason, it can be an effective soporific for people who struggle to fall and/or remain asleep due to insomnia and other sleep disorders.
One of the strongest nutraceutical CBD oils is called Charlotte's Web, with a 50mg dose. Charlotte's Web is produced in Colorado by the Stanley Brothers, and named after Charlotte Figi, a girl who became famous in the US after her frequent seizures, brought on by the rare Dravet syndrome, were greatly reduced when she started taking CBD oil aged five. The company makes THC products too and is extremely successful, having just offered shares on the Canadian securities exchange, raising about $100m.


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What Blame Do Parents Share For The Sudden Emergence Of Trans Kids?
Transgender status is a complex and odd bid for public attention, especially coming from children.
My Family Had To Follow Immigration Law. Why Shouldn't Refugees?
Our family shouldn't be threatened with a 'punch in the face' for seeking to protect our naturally born and adopted children from terrorism.
Why We'll Never End Abortion Until We Shrink Government
We cannot simply hope to use legislation to solve the problem of abortion, but must look to addressing the root of the problem. Abortion is a symptom of a systemic disease.
Keep Biological Parents On Birth Certificates Despite LGBT Protests
The Arkansas Supreme Court recently ruled that for newborn children of lesbian married couples, only the biological mother should be listed on the original birth certificate.
If George Stephanopoulos's Daughter Wants An Abortion, Can I Have Her Baby?
George Stephanopoulos's wife Ali Wentworth said their 14-year-old daughter reacted to Donald Trump's win by 'screaming 'no abortions' really loudly.'
The Obama Administration Is About To Make International Adoption A Lot Harder
International adoption provides homes to needy children—why do the State Department's new rules make those adoptions difficult, if not impossible?
Cosmo Objects To Maternity Leave For Women Because Men Don't Get It
Please tell me again why Cosmopolitan magazine is allowed to pretend it's feminist when its writers insist men need benefits that only make sense to apply to women.
It's Time For You To Become A Foster Parent
If you, like me, believe in the right to life, then that belief must apply after these children are born, not just when they are in the womb. Become a foster parent.
Why So Many Families Who Want To Adopt Can't
For every adoption-eligible baby, an invisible queue of 36 couples waits for the chance to take that baby home. Most never will.
Lesbian Couple Happy To Buy A Baby But Not To Get A Black One
These women are more concerned about racial differences than about the fact that they intentionally paid to procure a child who has no father in her life.
Why Are American Jews So Liberal? Sarah Silverman's Sister Has Some Answers
In a new memoir, a rabbi and adoptive mother tries and fails to reconcile her progressive politics with God and family.
The Wonderful Thing China's One-Child Policy Did For Me
China's one-child policy is horrible, and let's hope it's really over. Even so, this tragedy has given me a beautiful gift.
We Need To Make Adoption Easier
Adopting internationally is a long, frustrating, expensive process. It shouldn't be.
Do Taxpayers Pay Planned Parenthood To Stymie Adoptions?
Taxpayers may be paying Planned Parenthood to steer women away from adoption and toward the abortions that benefit its bottom line.
Hurting Kids Isn't The Way To Make Gay People Happy
Gay couples need to realize that their desire to adopt children conflicts with what kids need most: opposite-sex parents.
'The Drop Box,' Where Disabled Babies Go to Live
A new documentary tells the story of 'The Drop Box,' where image-conscious South Koreans leave disabled babies to a welcoming pastor and his family.
Four Reasons To Let 'Frankenstein' Remain Fiction
Britain is discussing rules that allow for 'three-parent' and 'four-parent' children generated by DNA splicing. Didn't we learn anything from 'Frankenstein'?
- 7 Big Takeaways From Andrew McCabe's Planned CoupMcCabe's actions prove that the Russia probe was alwayscontinue reading >
- As The Russia Hoax Begins To Unravel, The Gaslighting BeginsThe media has started backing away from the Russia collcontinue reading >
- AOC Is Right: Amazon's Jobs Aren't Worth $3 Billion In Corporate WelfareDeals like the one struck between Amazon and New York scontinue reading >


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Enjoy Nicolas Vahé's flavoursome risotto with mushrooms. Prepare 6 starts or 4 mains in just under 15 minutes. The only thing you need is to add olive oil, cream and parmesan cheese.
Carnaroli rice; 3% Carl Johan mushrooms; vegetable broth (salt, rice flour, sunflower oil, onion, carrot, tomato, cane sugar).


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Admit Card 2018 Download Hall ticket 2018.
Admit Card 2018
- Admit card is like gate pass, if you have proper admit card then go and give your exam.
- Now a days Admit Card will be NOT sent by post to the candidate. But in few exam the authorities do so.
- Before 15 days of the exam date Candidates are required to download admit cards from the website and follow the instructions given therein.
- The candidate must show, on demand, the Admit Card for admission in the examination room/hall. A candidate who does not possess the Admit Card issued by the authority shall not be permitted for the examination under any circumstances by the Centre Superintendent.
- During the examination time, the invigilator will check Admit Card of the candidate to satisfy himself/herself about the identity of each candidate. The invigilator will also put his/her signatures in the place provided in the Answer Sheet / attendance sheet.
- Candidates are advised to preserve their Admit Cards in good condition till admission is over.
What to to once you received or Download the admit card?
- Please check the Admit Card carefully for your Name, Paper, Date of Birth, Gender, Test Center Name, and Category. In case of any discrepancy, communicate to examination authority office / help line number immediately for necessary action.
- If the candidate desires to change any information printed on the Admit card, he/she has to contact examination authority office immediately after taking the print out of the Admit Card.
If Admit Card Not Received OR fail to print
- If an applicant fails to take print out of Admit Card from website / online for the
examination then he/she must contact examination authority office immediately before 3 to five day of the exam date.
How to get Duplicate Admit Card?
- In case you lost the Admit card or did not received the admit card and you required the duplicate Admit then don't sit ideal immediately contact examination authority with the following documents if require.
- Photocopy of the Application Form, proof regarding remittance of fee (photocopy of the Demand Draft/ Challan) in respect of those candidates who have made application online.
|Bachelor Level Entrance Exam
|Medical UG Entrance Exam 2018 : For the admission in Under Graduate courses MBBS/BDS/Dental
|Engineering Entrance Exam 2018 : For the admission in B.Tech / B.E Courses
|Law Entrance Exam 2018 : admission in Under Graduate courses LLB and LLM Courses
|Science Entrance Exam 2018 – For the Admission in B.Sc and MSc Courses 2018
|Pharmacy Entrance 2018 – Admission into B. Pharm and M. Pharm Courses 2018
|Nursing Entrance 2018 – Admission into B.Sc Nursing and M.Sc Nursing Courses 2018
|Journalism Entrance Exam 2018 – For Mass Communication & Journalism
|Architecture Entrance Exam 2018 – For the admission into B.Arch and M.Arch
|BBA Entrance Exam 2018 – For the admission into BBA (Bachelor of Business Administration) courses.
|BCA Entrance Exam 2018 – BBA (Bachelor of Computer Application) courses
|Polytechnic Entrance 2018 – For Polytechnic diploma courses
|Hotel Management Entrance 2018 – For the admission HM courses.
|University CET 2018 – For the admission into various Universities in India.
|Fashion Designing Entrance 2018 : For the admission into various design courses in India.
|B.Ed Entrance Exam 2018 : admission into Bachelor of Education courses in India.
|Master Level Entrance Exam
|Medical PG Entrance Exam 2018 : For the admission in Under Graduate courses MS/MD/
|PGCET 2018 – For the admission Postgraduate Courses M.Tech/ME/M.Arch
|MCA Entrance Exam 2018: for the admission Master of of Computer Application
|MBA Entrance Exam 2018: for the admission Master of Business Administration
|Higher Level Entrance Exam
|PhD /JRF / LS Entrance Exam : For the admission in PHD and LS / Assistant Professor
|SLET / SET Exam 2018 : Conducted for lectureship in colleges in state level
|TET Exam 2018: For the recruitment in Primary Schools teachers
|PGT Exam 2018: Postgraduate Teacher Jobs
|TGT Exam 2018: Trained graduate Teacher Jobs
|Govt. Job Oriented Competitive Exam
|Sarkari Naukri Exam 2018 : for the recruitment in various Public Sector Companies
|IBPS 2018 : For the recruitment into Baking Sector in various post
|UPSC Exam 2018 : Union Public Service Commission
|SSC Exam 2018 : Staff Selection Commission in State and Central Level
|PSC Exam 2018 : recruitment in various Public Sector Companies State level.
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Couple rescues baby squirrel
China Plus Published: 2018-11-08 13:46:03
Meet the pampered pet squirrel that watches TV, wears face masks, adores avocados and enjoys snuggles on the sofa with her rescuer. Christina Reyes, 35, has spent two and a half years and $10,000 raising little Thumbelina after she was found in a tenth floor apartment. [Photo: VCG]


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Golden Knights lose first game when Red Wings rally in third
Expansion team's season-starting winning streak ends at threeby Danny Webster / NHL.com Correspondent
LAS VEGAS -- The Vegas Golden Knights lost their first game, 6-3 to the Detroit Red Wings at T-Mobile Arena on Friday.
Vegas (3-1-0), the first NHL expansion team to win its first three games, allowed four consecutive third-period goals.
[WATCH: All Red Wings vs. Golden Knights highlights]
"I think we just got sloppy with our plays in the third a little bit," Golden Knights forward James Neal said. "That's on us. I think the game was there for us to win and we didn't take advantage of it."
Gustav Nyquist scored twice, and Henrik Zetterberg had a goal and three assists for Detroit (4-1-0), which had many fans in attendance.
"It was great," Nyquist said. "It felt like it was a big party in the stands. Fans were loud. They've been able to put together a great product here it seems like, and a good team. It was a fun experience and a good first visit for our team."
Video: DET@VGK: Nyquist crashes the net, puts home rebound
Detroit, which defeated the Arizona Coyotes 4-2 on Thursday, went 3-1-0 on its four-game road trip.
"I think the start we had last night was nothing we're proud about," Zetterberg said. "I thought tonight didn't go perfect, but it was better."
Zetterberg forced a turnover in the Vegas zone and found Anthony Mantha in front of the net for the goal that made it 3-3 4:42 into the third period. Frans Nielsen made it 4-3 at 7:03.
Neal scored his sixth goal of the season for Vegas to tie the game 2-2 at 15:18 of the second period. Erik Haula's deflection at 16:45 gave the Golden Knights a 3-2 lead.
Nyquist made it 1-0 1:38 into the first period, finishing a 2-on-1 with Zetterberg. The Golden Knights tied it 1-1 8:12 into the second period on Jonathan Marchessault's first goal of the season.
Video: DET@VGK: Mantha sweeps home Zetterberg's nice feed
Vegas goalie Marc-Andre Fleury took an inadvertent skate to the head from Mantha midway through the second period. Fleury stayed in the game and gave up a breakaway goal to Zetterberg at 14:46 that gave Detroit a 2-1 lead.
"We knew we weren't going to be undefeated to the end," said Fleury, who made 21 saves. "But I think we showed we can play with other teams."
Nyquist made it 5-3 at 10:49 of the third period, and Luke Glendening made it 6-3 at 14:56.
Red Wings goalie Petr Mrazek made 24 saves in his first win of the season.
"Petr was excellent," Detroit coach Jeff Blashill said. "In the first period, he kept us in there. I thought he really played good, dug in."
Video: DET@VGK: Nielsen finishes give-and-go with Zetterberg
Goal of the game
Zetterberg's breakaway came after Golden Knights defenseman Nate Schmidt collided with teammate Luca Sbisa.
Video: DET@VGK: Zetterberg slips one through the five-hole
Save of the game
Fleury made a reaction save 44 seconds into the third period off a backhand by Mantha.
Video: DET@VGK: Fleury denies Mantha's backhander
Highlight of the game
Marchessault's goal was set up by Reilly Smith, who forced a turnover in the Detroit zone and made a backhand pass.
Video: DET@VGK: Marchessault buries Smith's nice feed
They said it
"The most important thing is we got the win here on a back-to-back. We still have lots to learn and get better at." -- Red Wings forward Gustav Nyquist
Video: DET@VGK: Nyquist finishes Zetterberg's slick feed
"I thought after the first goal, in the first and second period, we were the better team. We played well and we got a lead. But in the third period, for whatever reason, we stopped." -- Golden Knights coach Gerard Gallant
Need to know
Neal became the first player in the NHL expansion era (1967) to score a goal in each of a team's first four games.
What's next
Red Wings: Host the Tampa Bay Lightning on Monday (7:30 p.m. ET; SN1, TVA Sports, FS-D, SUN, NHL.TV)
Golden Knights: Host the Boston Bruins on Sunday (7 p.m. ET; SN1, ATTSN-RM, NESN, NHL.TV)


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As a follow-up to the January 17 public meeting to discuss possible interim solutions for the overcrowding issues at several Kanata schools (including Stephen Leacock), OCDSB staff has put forth their recommendations for September 2011 implementation. For Stephen Leacock, the recommendation is to redirect all Senior Kindergarten EFI students to Roland Michener Public School. Also of interest to Kanata North parents is staff's recommendation to introduce a Grade 4 MFI program at W. Erskine Johnston Public School, thus alleviating some pressure at Katimavik. These recommendations will be presented to the Trustees on Feb.16 and the Board will make their final decision on Feb. 22. To view staff's recommendations and supporting documents, click here.
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Rock N Rolla UFO Retro Turntable with Rechargeable Battery and Bluetooth for Vinyl Records with Built-in Speakers - Milky White BUNDLED WITH Blucoil Vinyl Brush
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How Pep Guardiola Rejuvenated Manchester City
Manchester City has turned into the Barcelona of English football this season after eleven victories and a draw against Everton at the openings of the Premier League. This feat comes ….
Manchester City has turned into the Barcelona of English football this season after eleven victories and a draw against Everton at the openings of the Premier League. This feat comes ….
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Gov. Phil Murphy on Tuesday signed into law a bill making voter registration automatic for New Jersey residents who interact with the state's Motor Vehicle Commission.
Murphy, a Democrat, said in a tweet before he signed the law that it would be among "the most expansive Automatic Voter Registration policies in the nation"
"In the age of President Trump and voter suppression, states must expand, not just protect, voting rights," Murphy said.
He signed the bill Tuesday after the Democrat-led Legislature sent it to his desk last week.
The measure makes New Jersey the 12th state along with the District of Columbia to have automatic voter registration.
In the age of President Trump and voter suppression, states must expand, not just protect, voting rights.— Governor Phil Murphy (@GovMurphy) April 16, 2018
That's why tomorrow I will sign into law among the most expansive Automatic Voter Registration policies in the nation to empower New Jerseyans to make their voices heard.
The new law says that voters should be given a chance to opt out of registration when they're dealing with the motor vehicle department. It also authorizes any state agency that collects information showing proof of voting eligibility to set up the chance for automatic registration.
Republicans opposed the measure and say it attempts to address a problem that's not an issue.
"The vast majority of New Jersey residents are already registered to vote, so this legislation is a completely unnecessary expense," Senate Minority Leader Tom Kean Jr. said during a recent news conference on the measure.
A legislative fiscal estimate accompanying the bill showed the costs to be "indeterminate."
Census data from 2016, the latest available, show that New Jersey has roughly 6.1 million eligible voters. State election data from the same year show more than 5.8 million, or about 95 percent are registered.
Former Gov. Chris Christie, a Republican, rejected similar legislation in 2016, saying that the need for such a law was "questionable at best." He also said it would cost $1 million up front and about $400,000 a year to maintain.
The law is set to go into effect by November, but the current voter registration deadline is Oct. 16.


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|Product name:
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Sticky Checkboxes is a feature where selected checkboxes will float to the top of the selection. For example, If our list of checkboxes looks like this:
And we select values A and D, instead of this:
We would instead get this:
Simply replace or merge the file Root/Resources/js/ReportViewerFilters.js with the code linked below.
ReportViewerFilters.js (right click to Save As)
Last edited by ericpfeifer-izenda, 2015-06-09 16:35:04


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The average cost of composite decking is $35 per square foot. See why more homeowners Composite Decking Calculator . Last updated on Jul 19, 2018
While it's true composite decks cost more to build than a pressure treated deck, the price gap long term is much closer than you might August 16, 2018 - Articles Especially when you calculate the cost of yearly maintenance and repair.
Use our free online deck cost calculator to calculate the approximate cost for your deck. and read on for all the information you'll need to cost-out a deck in 2018. . Your average costs for composite decking materials will be between $7 and
A deck contractor charges $7215 to build a composite deck and you can build it yourself for Adjust the home improvement and repair cost with your ZIP Code.
Vinyl, composite, wood deck prices comparison chart. Deck building costs of labor All prices and remodeling costs revised and updated for 2018. Read about
Composite deck installation can cost $25-$70 or more a square foot (8,000 -$22,400 for Depending on local regulations, after the project is complete the local tax assessor may calculate how much the Posted: May 20th, 2018 06:05PM.
The cost to Install Synthetic Decking starts at $14.33 - $17.47 per square foot, but synthetic decking installation calculator uses industry-standard methods and of composite decking new installation labor options and material prices here.
A 16x20 deck using premium wood or wood composites would cost $11,200 to Keep in mind that it is very difficult to estimate the price of a deck without talking
5 days ago September 1, 2018 500 × 336 Composite Decking Pricing decking price calculator composite comparison australia reviews of top deck
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Decks R Us reports the average pressure treated deck costs $27-$32 per Get an estimate. Most contractors determine their deck cost per square foot.


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Main Street, Town Square, Turdville
New video https://youtu.be/PmS1AhVZLFg What is the fair value of 1oz silver $3000 $6000?
Here we go.... Bloomberg
Here we go....
Bloomberg seriously considering White House bid
Fear & Panic of 16
fed fud one armed chain saw juggling freak show about to butcher all porkin pig men, as the saws come falling down upon heads of those who created debt based fiat armegeddon. Controlled demolition of fiats will explode, as the boxes of sweaty old sticks of dynomite crushed by a central bankstering wrecking balls of insanity. What a clusterflock of epic depression upon all debt based cumbling nations. Nough said
Funny huh ?
Commodity Market Manipulation
Did Wall Street Banks Create the Oil Crash?
Of course they did. They manipulate all commodity markets. So how do think JPM, who Ted Butler claims has amassed a huge hoard of silver, will move the silver price?
From the article:
"Wall Street mega banks are able to leverage their oil trades in the futures market by a factor of 95 to 1 or greater. Typically, margin of 5 percent or less is required of large oil speculators on the major commodity futures exchanges. If you know the direction of prices, you can make a killing using very little of your own firm's capital. And if you also own the physical commodities, you can call yourself a bona fide hedger and avoid rules meant to rein in risky or manipulative trading."
Margin Rules Changes Force New Private Funding Of Public Debt
BOHICA!! The bankers are at it again.
(bend over, here it comes again)
"In a matter of a few months and with almost no notice, changes in obscure regulations are being used to create a new captive market for US Treasuries and agencies that is approximately equal to the total amount of federal debt purchased by the Federal Reserve over the course of many years of quantitative easing.
The headlines are that the United States is starting to slowly release its control over interest rates, and return them to private market control. The reality is that the government is doing just the opposite, and is capturing formerly free and private money at a fantastic rate. Which brings up the question: just why is the government quietly deploying two massive financial stabilizers for the federal debt in 2016?
The effects are likely to persist far beyond 2016, and could help depress interest rates for all investors for potentially years and decades to come. Yet, because these trillions of dollars of major changes are hidden inside of obscure financial regulations, the general public is completely unaware of what is happening, or how it could change their investment results, their lifestyle in retirement, or even their ability to retire at all."
So What does China think of "dollar hegenomy" ?
In Alasdair Macleod's recent article (Shorting the Yuan is Dangerous), he linked to a speech by Major-General Qiao Liang, the Peoples Liberation Army strategist. A fascinating view from China on dollar hegemony. Enjoy!
PLA Strategist: The U.S. Uses Its Dollar to Dominate the World
Yeah, but you can't eat beads
Why we get naked at Mardi Gras: simple economics, says LSU prof
At first, the way you got beads was from a float. Fake royalty threw beads to plebeians below.
"You don't have to be a very insightful sociologist to say, I wonder what people dressed like nobles and people on the streets represent," Shrum said. "That represents an upper class and a lower class."
The trinkets tossed to the crowds mirror a feudal economic system. We are peasants. The riders our lords.
"We symbolize our society using these rituals and these celebrations," Shrum said.
In the mid-1970s, a group of nudists started throwing a party on Royal Street. They would flash from a balcony, and encourage people on the streets to do the same.
"That was something that didn't catch on," Shrum said.
What did click, as we all know, was flashing for beads.
"We've developed a ritual that perfectly reflects the ideas of market capitalism," he said. "Beads are the money of Mardi Gras. People understand they are in a bargaining position."
Instead of begging the gentry for generosity on the parade route, on Bourbon Street we witness the invisible hand of capitalism lifting up shirts.
"All of a sudden, people say, 'We can participate. We can get beads without begging,'" he said.
Like any dynamic market system, the exchange of beads on Bourbon Street rewards entrepreneurship....


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As much as you are simply refacing the cabinets, it will be possible to alter the particular look and feel only a bit. For example, you can include some cupboards at the corner associated with the kitchen; add several new cabinet knobs etc. You should keep this within mind and weigh your options properly.
Now that you have your new kitchen cabinets, you are ready to proceed to the next big action..... Installing your kitchen cabinets. While the particular installation associated with the Kitchen Cabinets isn'tall that hard, the essential first step is measuring and marking out where the cabinets will move. By putting layout markings around the walls and floors, investment decision you won't only help a person with kitchen cabinet placement and stud locations, but it will also help you locate where adjustments plus shims is going to be required. Just before we begin there are usually a couple of items that you will need for the project.
Your kitchen is the hub associated with the household and not only do we repair food in the cooking area but we store food and other items, we also eat in the kitchen too. The cabinets are opened and closed throughout the day whenever we are preparing to repair a meal or looking for a snack. In addition, grease and grime can build up over time from food preparation. Kitchen cabinet cleaning need to be part of your daily, weekly and yearly cleaning routines.
Creating your new kitchen cupboard is not completed when it is done becoming cut and put together. You also have to consider the hinges. There are two types of handles that are typical within cabinets; framed and frameless. Framed is the most common style you will find in a kitchen. It is usually when the door will be attached to the body. Frameless is a Western style in which there is not a front body. Instead these cabinet doorways are attached to the particular shelving, so when you open the cabinet almost all you see may be the products inside.
Whenever you opt for bamboo kitchen cabinets, you can give your kitchen the look of the outdoors and create an exotic looking kitchen at the same time. Bamboo is strong and is much more eco-friendly compared to wood and it can give your kitchen the new fresh look it needs without compromising on durability and style.


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Empowering Pumps & Equipment is happy to see so many industry professionals nominate their fellow peers, to help shine a light on the PEOPLE behind the pumps! Having recently started a LinkedIn Group for #WomenInThePumpIndustry, we are proud of today's Pump Person of the Week – Massiel Diez, Senior Thrubit Engineer with Schlumberger. Based in Midland, Texas, this is what she had to share!
"I started working in Wireline Evaluation Services back in 2013 when I got hired on as a Field Engineer right out of University (I studied Chemical Engineering). I love my job because it challenges me daily. I am never bored! Every job I perform is different, and I enjoy the stress from being in charge of everything that happens out in the field. I like the time off as well – I work 2 weeks 'on' and 1 week 'off'. I had to write two standard work instructions for two tools from one of our newest technologies. The two documents are going to be published for all the employees to access when they need reference for the tools.
I am most proud of being a female in a male-dominated industry. I am proud that when it's my turn to take over the operations on the rig, I am the one in charge. This job is NOT for everyone. It demands a lot of hard work – long hours, long days, no showers or hot meals for days. People considering applying for this kind of job must have a lot of patience, and they should be informed about some of the negative aspects of this job – in addition to the positive parts, which greatly outweigh the negative – but that is for each individual person to judge. I would say that this is the best quote for our job: "work hard, play hard."
Massiel is a Vlogger (video blogger) – Check out her video!
On behalf of the entire Empowering Pumps & Equipment team, thank you for being a role model! We look forward to keeping up with you through the #PumpTalk Online Community!
Join our LinkedIn Group: Empowering Women in Industry!
Know an Amazing Person who is making valuable contributions within the Pump Industry? Nominate them to be "Pump Person of the Week"!


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Jeff Beattie
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Jeff is a great teacher, but sometimes you will find that he will become easily distracted. Nevertheless if you WANT to learn from him, then he is a brilliant teacher.
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