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Everyone is unique so during test season make sure you explore different methods to find what works for you.
Darren Adeboyejo, Computer Science BSc (Hons) student says:
“Practice as much as possible - testing your knowledge using past papers and other online resources helps to improve your information recall and allows you to prioritise your revision by identifying your weakest subject areas.”
Try to start as soon as possible and review your notes regularly before making a solid plan. If you feel like you have left it too late, not to worry.
Time management tips by Rebekah Savil, Psychology BSc (Hons) student::
- Make your revision plan simple and achievable.
- Prioritise – which subject needs the most attention? Start with the subjects you feel are your weakest areas.
- Try to do an hour revision for each subject a week - this makes revision simple and regular.
- Add your exams into your calendar and set countdown reminders in the week running up to each test date.
- Use any free days effectively. Wake up on time, study in the morning then treat yourself to a favourite lunch and maybe study for little longer! You will feel less stressed if you have been proactive.
- Remember to take breaks when revising - go for a walk, have some healthy snacks or do some simple stretches; you'll feel refreshed and be more focused and ready to study.
Plan ahead of the big day
It’s also very important to plan ahead and think about the day of the exam, simple things like packing enough stationery e.g. a calculator or a pencil. Spend some time the day before packing what you’ll need and making sure you check times and venue details so you’re ready to go on the day.
Here are some things to think about:
- You must bring your own pens, pencils, eraser and spares—invigilators cannot loan stationery to you.
- Phones, smart watches, fitness trackers, MP3 players and any data storage device: none of these are to be on you during the exam.
- Ear/headphones of any description are not allowed.
- Drinks - you can bring a drink in a clear plastic container with all labels removed.
Bring your student ID card which should be clear and the photo not defaced – if for any reason you’ve lost it, don’t panic, bring some form of ID and notify your teachers ASAP.
The examinations would be conducted in two parts — from 9:45am to 1:05pm and 2pm to 5:20pm. The subjects included in the compartmental examinations for Class X are Hindi, Sanskrit, Social Science, Commerce, Home Science, IIT, and vocational subjects, Science, Music, English, and other language papers.
The candidates can get their admit cards from July 25 from the Council’s website, www.jac.jharkhand.gov.in/jac.
The practical examination for secondary will be conducted by the respective schools from August 7 to August 8. The practical and internal assessment marks for the Supplementary Secondary Examination, will be maintained online from August 8 to August 12 through the website of the Vidyalaya Parishad www.jac.jharkhand.gov.in/jac.
Schools and Colleges heads will keep a copy of the consolidated list maintained with them and submit a copy to the District Education Officer's office from August 8 to August 14.
"The compartmental examination and the practical examination center of these candidates is determined in their own college," said the advertisement released by JAC.
In addition, the Special Board Examination for Class VIII will be conducted on August 10, with papers I and II for subjects like Hindi, English, additional subject, mathematics, science, and social science. JAC chairman, Anil Kumar Mahto, said, "The absence of a JAC governing body cannot affect the future of students, the scheduled of the exams have been released so that the student does not encounter any problems.”
There are many different types of life insurance to consider. But armed with the right information, you can quickly narrow down the options based on your needs in a life insurance policy.
There are some important things to consider when shopping for life insurance:
- Look at financial strength ratings
- Select life insurance as part of a larger financial plan
- Work with an experienced life insurance agent
- Don’t assume insurance companies offer competitive pricing for everyone
- Insist that cost disclosures for universal life insurance be included in any proposals
- Figure out if you want life insurance riders
- Life insurance for military members
Look at Financial Strength Ratings
If you knew that your insurance company would likely be unable to pay out your beneficiaries’ life insurance claim in the future, you’d want to choose a different company. One way to make that kind of determination is to look at the insurance company’s financial strength rating.
The financial strength ratings available from agencies like AM Best and Standard & Poor’s help you assess a company’s ability to pay out claims in the future. Insurers with Superior (A+ to A++) or Excellent (A- to A) ratings are those you can have financial confidence in.
All of the best life insurance companies we have named have either Superior or Excellent financial strength ratings from AM Best.
Select Life Insurance as Part of a Larger Financial Plan
It’s normal to want to avoid death, including even talking about it, but don’t let that hinder you from addressing life insurance needs. If your family depends on you, life insurance should be a part of your overall financial plan so they can continue to thrive even if you’re gone.
A trusted financial advisor can help you to see how life insurance fits into your big financial picture. For example, if you want to use life insurance to supplement future retirement income, a financial advisor will help you determine the right cash value life insurance options to achieve that goal.
Work With an Experienced Life Insurance Agent
Life insurance can be complex, so it is important to find a good life insurance agent who can advise you on the life insurance options that are best for your situation. One way to do that is by asking for insurance agent referrals from friends and family.
An experienced life insurance agent will consider the most influential factors in policy options and rates, like your health, and help identify which life insurance companies are the most likely to offer you the best rates. This will save you time and frustration trying to pinpoint the companies yourself.
Don’t Assume Insurance Companies Offer Competitive Pricing for Everyone
Every life insurance company has its own rules that determine the rates it offers. As a result, your premium can vary significantly depending on the insurer. The accumulation rate of cash value and the policy fees for cash value policies also vary between companies.
Insist That Cost Disclosures for Universal Life Insurance Are Included in any Proposals
A life insurance quote reflects what you’ll be billed for, but it doesn’t always tell you about a policy’s internal costs, such as expenses and fees.
Universal life insurance policies have premiums, like any other life insurance policy, but they also have other costs in the form of policy fees. When shopping for this type of policy, be sure to ask the insurer about premiums, fees and any other costs that may be associated with the policy.
“Current regulations in some states and for some products permit insurers to ‘quote’ a low premium while charging high costs—without disclosing that you may need to pay additional premiums later in order to avoid a lapse,” warns Barry Flagg, founder of Veralytic.
Figure Out if You Want Life Insurance Riders
If you can’t seem to find a life insurance policy that seems perfect, you may want to check into the life insurance riders offered by the insurance company.
Life insurance riders allow you to customize your policy by adding extra coverages. Common riders include benefits you can use while you’re alive, such as accelerated death benefits, long-term care and waiver of premium if you become disabled.
Some riders are included in certain types of life insurance policies without extra charge, such as accelerated death benefit riders. If you’re interested in customizing and expanding coverage, ask your life insurance agent to explain your rider options.
Life Insurance for Military Members
Military service members have life insurance options that are specifically for them:
- Active-duty service members of the Army, Navy, Air Force, Space Force, Marines, or Coast Guard or those who meet other eligibility requirements qualify for Servicemembers’ Group Life Insurance (SGLI).
- Veterans who had SGLI before retirement qualify for Veterans’ Group Life Insurance (VGLI).
The Supporting Families of the Fallen Act passed in October 2022, increasing the coverage amounts of both SGLI and VGLI from $400,000 to $500,000.
Military members who decide to supplement SGLI or VGLI can do so with a private insurance company, like the American Armed Forces Mutual Aid Association, USAA and many others.
Related: Best Life Insurance Options For Veterans
Compare Policies With 8 Leading Insurers
Compare the Best Pet Wellness Plans
Many of the top pet insurance companies offer pet wellness plans, and we compared coverages, costs, and overall pros and cons of the companies to help you find the right coverage.
Who Offers The Best Pet Wellness Plans?
Here are our top picks for the best pet insurance with wellness plans:
What is a Pet Wellness Plan?
A pet wellness plan covers routine veterinary visits and other routine health care such as annual vet checkups, lab work, blood work, vaccines, dental care, physical exams and more. These routine treatments and checkups are essential to maintaining your pet’s health. A pet wellness plan often only covers preventive care and does not include accident and illness coverage, so most pet insurance companies call their wellness plans a preventive care plan.
Routine Wellness Plans for Dogs
Wellness pet insurance for dogs does not differ greatly from wellness plans for Cats. Preventative care packages for adult dogs typically cover routine health care, heartworm tests, blood tests, spaying and neutering, microchipping, and flea and tick medication. Feline routine care packages may include a FelV/FIV test.
Most companies offer the same price for wellness care packages for all ages and breeds of dogs. However, if you have an older pup, you may opt for a cheaper wellness plan that doesn’t include the health care dogs usually get when puppies, such as neutering or microchipping.
What's The Difference between Pet Insurance and Pet Wellness Plans?
Pet insurance plans typically cover costs associated with accidents and illnesses. They don’t include wellness coverage.
The table below compares coverage for a pet insurance policy versus a pet wellness plan.
Watch the video below to learn more in-depth differences between pet insurance plans and preventative care plans by Heart and Paw.
Is a Pet Wellness Plan Worth It?
A pet wellness plan can be worth it, especially if you have a young puppy or kitten because often times you will get more use of your preventative pet insurance if you start your pet young. Though routine pet care costs less than surgeries or cancer treatments, you’ll ultimately spend more on preventive care throughout your pet’s lifetime if you don’t have a wellness plan.
According to health care financing company Care Credit, vet exams, core vaccinations, and procedures such as spaying or neutering and microchip implantations can total $2,800 in a puppy’s first year. The first-year cost for a cat is nearly $2,500.
Without a wellness plan, pet owners should plan to spend $7,600 to $19,000 in veterinary care over their cat or dog’s lifetime. An add-on wellness plan can help to offset the cost of annual preventive healthcare for your dog or cat through a low monthly fee added on to your pet insurance premium. While it will not cover all expenses, it will help spread the cost out over time.
How Much Do Pet Wellness Plans Cost?
The cost of a preventative care add-on will depend heavily on the provider and the amount of coverage included. Pet owners cannot buy just a pet wellness plan; they must also buy an accident-and-illness or accident-only insurance plan.
The cost for just a pet wellness plan add-on is typically under $20, ranging from $10-$19 for our top recommended companies. The cost ranges from around $41 to $67 for a basic pet insurance policy and a preventative care package.
Most pet insurance companies offer the same pet wellness plan option for all breeds. The table below has a breakdown of pet wellness plan costs and the overall cost of pet insurance and preventative care.
Do Pet Wellness Plans Have Waiting Periods?
Every pet insurance company has waiting periods before coverage begins, which also applies to wellness plans. The average waiting period for a pet insurance policy is one to two weeks. Be sure to enroll in a pet insurance plan with an additional wellness plan before starting routine care to receive coverage.
Do Pet Wellness Plans Cover Preexisting Conditions?
No, pet wellness plans don’t cover preexisting or chronic conditions. Unfortunately, no pet insurer currently covers preexisting conditions. Insurance companies see pets with these medical conditions as costly and high-risk investments, especially since they’re guaranteed to need veterinary care in the foreseeable future.
However, some companies will distinguish between curable and incurable conditions, opting to cover curable conditions with specific stipulations. In addition, some routine treatments covered in wellness plans may help cure these conditions.
The Bottom Line: Should I Purchase a Pet Wellness Plan?
Pet wellness plans cover preventive care for your pet needs and make these routine costs more affordable in the long run. A wellness plan eases the financial burden of your pet’s regular care and health issues when paired with a comprehensive accident-and-illness plan.
We recommend getting three quotes from top pet insurance companies to compare their accident-and-illness and wellness plans closely. Use the tool below to get free quotes from some of our top recommendations.
Other Pet Insurance Resources
Read some of our additional pet insurance resources below:
Alex Hawkins is an avid writer and researcher specializing in solar, pet insurance and home improvement. When he isn’t surveying homeowners to understand their pain points or speaking with professionals in the industries he covers, Alex can often be found creating videos for his YouTube channel, Analysis with Alex, or attending a heavy metal show.
Dana Getz is a seasoned editor with nearly a decade of experience writing and editing content. She has a background in journalism and worked as a fact-checker for prestigious magazines such as New York and Chicago. She holds a journalism and marketing degree from Northwestern University and has worked across numerous categories within the home services space.
Dr. Kate Boatright is a small-animal veterinarian in western Pennsylvania. After graduating from the University of Pennsylvania School of Veterinary Medicine in 2013, she has worked in both general practice and emergency clinics. In 2021, she moved to part-time clinical practice to pursue her passion for educating veterinary professionals and pet owners through speaking and writing. Dr. Boatright enjoys discussing mentorship, the unique challenges facing recent graduates, wellness and the spectrum of care. In her remaining time, she stays busy chasing her toddler, running, practicing and watching movies with her husband and cats.
Plans to scrap exams for fourth-year secondary school pupils will “perpetuate the harm” inflicted by previous reforms, a leading educationist has warned.
Lindsay Paterson, the emeritus professor of education policy at Edinburgh University, criticised a review led by Professor Louise Hayward under which National 5s would be abandoned and replaced with a school leaving certificate known as the Scottish Diploma of Achievement.
Pupils would be judged more extensively on assessment of coursework by their teachers and on how they apply “real-life skills” of investigation and problem-solving to annual projects.
But Paterson said the review, published last week, needed to be “challenged, rigorously and radically, because it is deeply disappointing”. “Its methods were flawed and its recommendations vapid,” he said. “It has a few good
