Author: Josh Brown


Nigeria’s Post-UTME Examination Facts

For admission into any Nigerian institution, passing the Post-UTME examination is mandatory. It is for this reason that I have written this detailed article. Prepare for your UTME examination with this article, and you’ll be able to pass with excellent results.

Post UTME is the examination done after the JAMB UTME examination or screening, as the word “POST” means “after”. A university in Nigeria conducts this exam after JAMB’s UTME in order to admit the best candidates among thousands of applicants through JAMB.
Students in Nigeria are admitted to institutions mainly based on their performance in the post-UTME examination. You may not be admitted to a university, for instance, if you pass the JAMB examination very well, but do not pass the post-UTME examination very well. Despite being accepted to your desired program, it might not be in your preferred field.

Read At The Appointed Time

Starting to study for a post-UTME screening exam at the last minute is a mistake you should avoid. It is obvious that you won’t get enough done if you do this. Don’t think of the Post-UTME screening examination as a trivial examination, since it is not very easy. JAMB examinations are actually often less difficult than post-UTME screening examinations at some universities. Because of this, you should begin reading early.

As soon as your JAMB examination is over, you should prepare for the screening examination after the UTME. It is only one month until the test. Don’t relax just yet. Whenever you do so, you are risking your chance of success.

Find Out Which Textbooks You Need for The Post-UTME Examination

In order to pass the Post-UTME exam, it is essential to have the right study materials. The UTME examinations are difficult in Nigeria due to the uncertainty surrounding how they are conducted.

Occasionally, schools use questions that are not just adapted from the past JAMB questions. Current events in Nigeria are the topics of their questions. Someone who only reads the past JAMB questions would have a difficult time passing in this case. Therefore, you must investigate the recommended textbooks in your dream school and read them carefully.

You will be much better prepared for your post-UTME examination if you do this. To succeed in a post-UTME examination, it is therefore important to obtain the right materials. You can ask previous exam takers for the right study materials. Consult your university’s recommended textbooks.

Check for more information.



Tips for Creating An Enjoyable Hammock Camping Experience

Each year, millions of new people discover the joys of camping. At the same time, those who already make camping a part of their annual routine find different ways of approaching the experience. Some graduate from tents to RVs whereas others decide to walk away from their motorhomes and revert back to sleeping under the stars. Some people book a glamping excursion for the first time while others decide to try their hands at Hammock Camping.

Camping with Hammocks is on the rise these days. It’s a wonderful way to sleep comfortably under the stars with your best camping buddies. It’s also a terrific opportunity to simply sit back and enjoy the peacefulness of nature. Of course, stringing up the hammock and getting it to work with you rather than against you can be a challenge without the right knowledge and experience.

Tips for Making the Most of Your Hammock Campout

Numerous types of hammocks are on the market these days. You can choose a traditional netted version, nylon, or numerous other styles. Both one- and two-person hammocks are available, and there are even versions with built-in netting to keep out the bugs. You’re sure to find one that melds with your preferences. Once you find the perfect hammock, these Hammock Camping Tips can help you make the most of your trip.

Choose Your Trees Wisely

Finding the right trees for stringing up your hammock is essential. They should be spaced far enough apart to keep your tent from sagging too much while you’re trying to relax in it. At the same time, they should be close enough together to allow for a little give and take. Be sure to choose trees that are healthy and sturdy as well. Otherwise, you could end up unexpectedly sleeping on the ground or snuggling with a rogue limb.

Bring Reinforcements

Even on relatively warm nights, Hammock Camping can be a bit chilly. Make sure you bring extra blankets for padding as well as cover to help keep you warm if necessary. Consider dressing in layers when you get ready to turn in for the night, too. That way, you can adjust as the temperatures, wind speeds, and other factors change. You may want to stretch a tarp over your hammock just in case an unexpected shower comes through.

Relax and Enjoy the Experience

Many people seem to struggle when it comes to getting into and out of a hammock. In many cases, that’s because they try to fight the hammock instead of just conforming to it. It’s also important to point out that being tense when you’re in a hammock can cause plenty of problems. Just relax and settle in when you’re Camping With Hammocks, and you won’t have any issues. It may take a little practice, but you’ll get the hang of it in no time.

When to Hire a Debt Relief Attorney

Countless people wind up with significant debt. They are numerous reasons they end up owing too much. Sometimes, it is because they are spending too much using credit. In other cases, it is because of uncontrollable circumstances, such as medical bills or home repairs.

If someone is dealing with excessive debt and feels like they will never be able to pay it offers, taking time to Call Attorney Ben Trotter may be the best course of action. With the help of an attorney, getting out of debt may be easier than many people think. Please keep reading for some of the tell-tale signs it is a good idea to work with a debt relief attorney.

Excessive Debt

If someone owes a manageable amount of money, it may be smart to go straight to creditors and begin negotiating a repayment plan or a settlement. For example, if someone owes around $2,500, they can offer the creditor $1,250 to settle it. As long as the creditor does not lose a huge amount of money, they may be willing to take the deal. However, if the person has over $20K in debt, this is a different story. At that point, it is a good idea to hire an attorney to help negotiate the number down.

Wages Are at Risk of Being Garnished

In some situations, creditors can come after a person’s earnings if the debt is unpaid for an excessive amount of time. For example, if someone owes back taxes to the IRS or becomes delinquent on their loans, they may be at risk of having their wages garnished, which will only increase financial issues. If that is the situation a person is facing, it could be a good idea to hire an attorney.

A Creditor is suing someone

All consumers have legal protections in place. While this is true, creditors who are owed money also have certain legal protections. This means that, sometimes, a creditor may be able to file a lawsuit against someone who has unpaid debt. If this happens, hiring an attorney is something that will make sense. This is especially the case if there is a possibility of a significant judgment or the possibility one will be issued against the person.

Someone Is Considering Filing for Bankruptcy

If a person’s debt has grown to the point that they are thinking about filing for bankruptcy, it is smart to see if a debt settlement lawyer may be helpful. Even though filing for bankruptcy may seem like a simple solution to a difficult problem, it can actually be much more challenging than that. Along with being expensive, a bankruptcy will stay on someone’s credit report and record for seven years if they file a Chapter 13 and 10 years for a Chapter 7.

As anyone can see, there are several situations where hiring an attorney is a smart move. Be sure to keep the information here in mind to know when finding and hiring legal professionals makes sense. Being informed is the best way to ensure the desired results are achieved.

The Top Reasons to Hire an Attorney for a Product Liability Case

If someone suffered an injury or even lost a family member because of a defective product, they may be entitled to monetary damages. Unfortunately, some product manufacturers and designers have extensive resources to challenge any claim against them.
Receiving a fair settlement may require an injured party to fight an uphill legal battle. A single mistake may jeopardize the entire claim. These are a few reasons why it is so important to hire a product liability lawyer to help. Keep reading to learn some of the other reasons hiring this legal professional is such a good idea.

Identification of the Liable Party in the Situation

In many product liability cases, there is more than one person considered at-fault. Any party or entity that plays any role in the development or the distribution of an item can be considered liable for the damages resulting from a defect. Some examples of parties held liable in these lawsuits include the designers, manufacturers, engineers, quality control specialists, retailers, and wholesalers. In some situations, the fault for these situations is shared by several parties. The lawyer hired for the case must perform in-depth investigations to find the defendants and gather the evidence indicating a person’s or entity’s fault.

Gather Evidence Related to the Situation

If an accident victim wants to win their case, they must prove liability, damages, and causation. Some of the evidence needed to support a product liability case may be with the defendant. For example, schematics and blueprints of the product may show a manufacturing or design defect. An attorney can gather the required evidence for the individual, and when needed, file a subpoena to acquire the evidence that is being withheld. Gathering the needed evidence is essential to avoid any potential disputes that may lead to ongoing litigation, reducing an accident victim’s financial recovery.

Avoid Expensive Mistakes

Even if someone has acquired strong evidence that supports their claim, they may still make a mistake that harms the ability to recover compensation. Some examples of mistakes that are seen in these cases include not going to scheduled doctor’s appointments, not filling prescriptions and taking those medications, and ignoring the doctor’s orders could all lead to a dispute. Some other common mistakes include posting on social media about the case or situation or providing a recorded statement to the defendant’s attorney. An attorney can help someone avoid these mistakes. They will also provide advice and guidance to help ensure informed decisions are made through the proceedings.

Ensure Current and Future Damages Are Accounted For

If an individual fails to hire an attorney to help with a product liability case, they may wind up accepting a settlement amount that is much lower than what is deserved. Finding an attorney will help ensure the case is successful. While there are no guarantees in these cases, an attorney will help someone build a strong case and have a strong chance of getting the compensation they deserve.

When it comes to product liability cases, there is no question that the situation can be complex. When the victim has an attorney fighting for their rights, they can have more confidence that, in the end, they will receive the compensation they deserve.

How to Design the Outline of a Literature Review?

A literature review outline is the best way to make your reader fall in love with your writings. Though at professional levels, there is no place for emotions or emotional attachments. But those who have broken those unwritten rules are winning the minds of millions. Use the same trick but logically and carefully. There is no need to put extraordinary words to attract your reader. Just learn the literature review outline. Give an outstanding outline to your writing or research and see the results.

Now, every writing structure is not the same. So, first, you need to select a specific way to represent your writings. Make a rough sketch about what you are thinking of proceeding on the particular topic. If you ask how to design the outline of your thinking, it depends on what you have thought. There are so many ways to represent the outline, even you can make one by yourself. But if you ask, then go for one of these 4 outline methods. It will surely help.

1. Chronological Order

It is the simplest method and used by infants to professionals. What do you need to do? Just reflect your mind map into the pages. The best thing about this method is, anyone can understand the topic as it starts from the basic and turns complicated in a systematic order. Bullet points, turning points, special notes, analytical points, and featuring debates where necessary. Simple listing and summarizations are best to avoid in this method. The questionable things like ‘How’ and ‘Why’ are properly explained by this method.

2. Methodological

This method is simply the comparison between the practical response to the theoretical response. It must include history, recent news, future scopes, problems, and solutions with proper instructions. If mathematics is included in the calculation part, then never forget to mention the error calculation.

3. Theoretical Method

The theoretical Method is expressing the theory part to the readers. The content doesn’t have to be from the science part, even the literature part can be under this method. Nothing special needs to be done. Make sure you are Including definition, the plot of starting, why it is needed, discussion, arguments, and other necessary information regarding the topic. Moreover, make it as reasonable as possible. The real fun of the theoretical Method is to develop the interest in the reader’s mind.

4. Thematic

Thematic is another popular part of writing the literature review method. It follows the themes originally. Like if you want to discuss any particular topic like health, then thematic can help you to elaborate more on this. Like healthy living methods, healthy living policies, keto diet for healthy living, and so on. It’s more like a chain to follow.

These are the most popular outlines followed by the professionals. Now, it also depends on the demand of the question or the research. Apart from this, you can choose APA, Harvard, MLA as your writing formats. All of these 4 methods are applicable with these writing formats. Make a great research work where you feel suitable.

What to Expect When You Are Reported to Child Protective Services

Parents can face the removal of their children from the home if they present a risk to the child. Child protective services receive reports each day about allegations of abuse, neglect, and other harmful acts. They must investigate the person identified in the report and determine if the person is a threat to the child. The findings determine if the child is removed from the home.

They Can Interview the Child

Child protective services have the authority to question the child at the child’s school without prior notification. However, they are required to tell the parents that they interviewed the child and when. Child protective services must have a valid reason for questioning the child. They must have a report for abuse or neglect with the substantial proof before they can begin questioning. The officers question the child to give the child a chance to report any wrongdoing and protect them from their abuser. Parents can learn What CPS can and cannot do by discussing the case with an attorney or an investigator.

The Parents Must be Notified About Interviews of Assessments

The notification must be received on the same day that the officers questioned the child about the allegations. Unless the parent is the subject of the investigation, the officers will present their findings to the parent. If the parent is the subject of the investigation, the officers report their findings to law enforcement.

A Warrant for Searching the Home

Child protective services must have a warrant to search the home, and law enforcement will accompany them into the home. The CPS officer must investigate the scene in the property for signs of abuse or neglect. They will investigate the allegations against the parent or person identified in the report. After the claim has been substantiated, the CPS officers will remove the child and place them with a family. The person listed in the report will be arrested by law enforcement if there are signs of a criminal act.

They Can Remove the Child If There is a Threat

Child protective services investigate threats to the child’s well-being. They can investigate allegations of any form of abuse, neglect, or other criminal acts occurring in the household. If a parent or guardian is addicted to drugs or alcohol, or they are involved in criminal activities, the child will be removed from the home. The circumstances present a risk to the child and their well-being.

Parents Can Choose Who Gets Their Child

Parents can choose where the children are sent if CPS removes the child from their home. They can choose a family member to take custody of the children until they are eligible to restore their rights. The CPS officers will conduct screening processes to determine if the person is the right fit for the children. They must have adequate space for the children and an income that allows the potential guardian to support them.

Child protective services investigate reports of child abuse or neglect. They have the authority to remove a child from their home if threats exist. The agency must substantiate the claim before taking any action. If they do not have evidence of wrongdoing, they can’t remove a child from their home.

What You Need to Know When Filing for Chapter 13 Bankruptcy

Claimants may choose any chapter of bankruptcy as long as they meet the eligibility requirements. For chapter 13, they must have an income that is greater than the median for their household size. If their income is lower, they may qualify for chapter 7, but they will not qualify for chapter 13. The claimants must provide income statements for the last six months or two years of tax returns to verify their income.

Setting Up the Repayment Plan

A chapter 13 bankruptcy plan is a structured plan for paying off the person’s debts. The claimant and their attorney create the plan and submit the plan to the court for approval. The plan must define a monthly payment amount that is divided among their creditors to pay off the debts within a period of three to five years. The court must approve the plan before the person starts the monthly payments. Claimants can learn more by reviewing bankruptcy law in Oklahoma now.

The Meeting of Creditors

The meeting of creditors gives all creditors the opportunity to decide if they want their account included in the bankruptcy. If they refuse, the judge may overrule them and include the debt in the plan anyway. However, there must be valid reasons for the judge to take this step. The creditors can attend the meeting if they choose, but they are not required to. Once the meeting has concluded, the judge indicates what debts are included in the bankruptcy plan, and the claimant is notified through their attorney.

How the Automatic Stay Works

The automatic stay protects the claimant against legal action by creditors. Once the bankruptcy claim has been approved, the automatic stay is activated. None of the creditors can start any legal proceedings to collect outstanding balances. The claimant has the automatic stay for the full duration of their bankruptcy case, which can last up to five years.

What to Do With Disposable Income

The claimant is required to use all their disposable income to pay off debts that were not included in the bankruptcy claim. The court monitors the claimant’s income to ensure they remain compliant with all orders in the bankruptcy case. If they use disposable income for other reasons, the court could discharge the entire case. If the case is discharged early, the claimant is responsible for all debts included in their claim immediately following the discharge.

What Debts Will Be Discharged?

The judge will discharge certain debts through bankruptcy. These debts include unsecured credit card debts. After they are discharged, the claimant must complete their case as directed in the repayment plan. If they complete it entirely, all discharged debts are not their responsibility, and they are absolved of the entire balance.

Claimants who are eligible for chapter 13 bankruptcy start a repayment plan according to the court’s instructions. They must pay the payments each month directly or set up garnishment through their employer. Chapter 13 bankruptcy could help claimants become debt-free within five years, and the claims provide lasting protection against legal actions.

The Importance of a Balanced Diet

A balanced diet is the latest trend!

This is the first advice doctors, and nutrition specialists give to people.

The term balance means “in equal proportion”.

The key to a healthy lifestyle lies in a balanced diet. It is the main reason why some people still look young and are perfectly healthy even in their late 50’s and 60’s.

Balanced Diet:

You will find many complicated definitions of a balanced diet on the internet. However, each one means the same. In simple words, a balanced diet means, a proper that which is essential for the growth, development, and functioning of your body.

You need the perfect amount of calorie intake. A balanced diet constitutes of different types of fruits, vegetables, and food items.

Balanced Diet = Protein + Fruits + Vegetables + Dairy products + Carbohydrates + Fatty Foods + Water

You need to add all these things to your diet in a given proportion. Make sure you don’t eat only one type of food. All these things should be a part of your daily diet. It will give your body a proper amount of nutrients and minerals. If you want tips for a balanced diet, you will find it on

Importance of a Balanced Diet:

If you want to stay perfectly fit and healthy, start focusing on a balanced diet. It is crucial for your body.

  • Weight Control: One of the biggest advantages of having a balanced diet is weight management and control. When you focus on a balanced diet, you will naturally consume less fatty foods. If you are trying to lose weight, you can opt for a low-calorie diet. It will help you to retain proper body weight.
  • Builds immunity: A balanced diet includes important vitamins like A, C, and E. It also includes selenium and potassium, which helps to increase immunity. When you consume immunity-rich food, your body will develop a strong immune system to fight off all the diseases.
  • Improve Brain Power: Our eating habits affect our brainpower. A balanced diet includes Omega 3 fatty acids which help to increase memory and brainpower. It will also help you to fight off various mental health problems. It will help you fight against depression, schizophrenia, and dementia.
  • More Energy: Your body needs calories to function. It works like fuel. However, too many calories can cause fat to build up. When you take a balanced diet, it will focus on all types of food to provide enough calories to your body. Vegetable and green vegetables will provide iron to your body. It will give you enough energy to remain active throughout the day.
  • Growth and Development: Growth and development of our body never stop. A balanced diet provides proteins, minerals, and vitamins, which are necessary for growth and development. It helps to repair the damaged cells and generate new healthy cells.
  • Better Sleep: Nowadays, most people suffer from insomnia. But if you regularly eat a balanced diet, it will help you to get better sleep at night. When you eat too much sugar or carbs at night, it makes your body hyper-active. It also makes you lethargic and lazy. But with a balanced diet, you can get proper sleep.

These are the benefits of a balanced diet. It is an essential part of our lifestyle. If you want additional tips and details about health benefits and lifestyle, you can visit to get more information.


What Impacts the Cost of a Home Inspection?

A critical part of the home buying process is a home inspection. This stage of the process should be stipulated in a real estate contract to protect the buyer in case anything is wrong with the house. Under the stipulations of a real estate contract, a buyer is usually responsible for paying for a home inspection. A home inspection provides the buyer with a way to ensure the seller corrects the issues or provides grounds to back out of the contract.

What Can Impact the Price of a Home Inspection?

A buyer’s home inspection cost can vary depending upon the vendor, size, and location of the home, and what the buyer wants to be included in the inspection report. For instance, some locations have naturally high levels of radon. Buyers in these states may want the inspector to include radon testing as part of the inspection.

Other potential factors include whether the buyer wants an infrared inspection, to have the inspector check for rodents, and test for allergens. These types of services can add to the cost, but some home buyers want to include them for peace of mind. An infrared inspection can pick up evidence of hidden water leaks within walls, issues with electrical wires within walls, and missing insulation.

Older, historic, and larger homes also have the potential to add to the price point of inspection. Historic or older home has the potential for more issues due to aging, but some inspection companies have expertise in these types of structures. Likewise, a larger home typically has more materials, areas, and components to check. This takes more of the inspector’s time, both in evaluating and writing up the inspection report for the buyer.

Remedies after an Inspection

If the inspection report points out major or immediate issues the seller needs to fix, the buyer’s real estate agent will send an inspection report objection to the seller’s agent. The seller has the option to either fix the problems or let them stand as is. However, the buyer can also nullify the contract if the seller elects not to make repairs. In the event there is a major problem with the home, such as a foundation issue or asbestos, the buyer may elect to back out of the contract entirely.

Should the seller elect to make the repairs, the buyer and the buyer’s agent should verify those repairs or corrections have been completed. For example, if the home is missing carbon monoxide detectors, the buyer will want to visually ensure that the seller has installed the detectors prior to the closing date. If the repairs or corrections require a vendor, the buyer will need to ask for proof of completion in the form of a receipt.

Purchasing a new home can be an exciting, but nerve-wracking process. The inspection is usually the most anxiety-provoking for both the buyer and the seller. There can be issues with a home that neither the seller nor buyer was previously aware of in addition to problems that could prevent the sale from closing.

How to Choose the Right Fly Rod

With all the talk and excitement about fly rods, it’s sometimes hard to remember that they have one purpose: catch fish. And to do that, fly rods help add momentum to a line and control its distance and direction.

It doesn’t take long in a sporting goods store to learn that there are many choices to make when shopping for fly rods. In fact, with all the choices that a buyer can make, the selection is downright annoying. Maybe this article will help by narrowing down some of them.

What Are You Fishing For?

Once you understand the purpose of a fly rod, it’s essential to determine what kind of fish you are looking to catch. As painfully obvious as this might be, it’s an important matter to decide because everything else you need to decide hinges on this one. Catching a trout is much different than catching bass, and the rod you use to catch each will also be different.

Understand How a Fly Rod Works

This is another matter that most fly fishermen think they understand, but nine out of ten don’t. The action of a fly rod is determined by how thick and flexible it is. If you remember nothing else from this article, remember this. And how do you determine this? It’s determined by how much flex there is in the backcast. There are three types of action:

Flex-Tip or Fast Action Fly Rods

A flex-tip or fast-action fly rod is just as its name implies, At the end of a cast, the end of this type rod is bent, while the remainder of the rod is ramrod straight. This type of rod provides several benefits. First, this type of rod is excellent for longer casting since the stiffer rod offers a foundation for the remainder of the cast. Second, this type of rod is easier to use since the more rigid rod does a lot of the fisherman’s casting work.

Mid-Flex or Medium-Action Fly Rods

Mid-flex fly rods are the most versatile type of rods on the market. These can be used in a wide variety of situations. They are also easier to use and learn on. With this type of rod, a bend will start about mid-rod on the backcast. This is what makes it fall between a fast and slow action rod. If a fisherman wants only to own one type of rod, especially if their choice of fish is trout, a medium action rod is usually the best choice for them.

Full-Flex or Slow-Action Fly Rods

Of all the fly rods available on the market today, the full-flex variety is the most flexible. A full-flex rod will bend about one-fourth down the length of the road while on the backcast. The tip of the rod will be at almost a 90-degree angle at full backcast. A slow-action rod is excellent for use in small streams. Its flexible nature makes it easy to cast. They can be very forgiving and are very easy to learn with. Full-flex rods are not as useful as medium action rods but are great for catching smaller fish.

So, there you have them. The three types of fly rods and the situations they are best made for. With a good fly and some practice, the reader should be ready to go.

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