It’s a resume worthy of absolute envy, but San Miguel’s amiable giant didn’t start this way.Now standing at 6-foot-10 and weighing around 250 lbs, Fajardo was never perceived as a force of nature when he was just starting to play collegiate basketball with University of Cebu.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissFajardo admitted that there were always doubters who tried to bring his spirits down and these same naysayers were his motivation to become, arguably, the best player of his generation.“What motivates me to become better are the doubters because they’re always saying negative things about me even before I got into the PBA,” said Fajardo in Filipino during the PBA Media Day Thursday at Solaire Resort and Casino. Nadine Lustre’s phone stolen in Brazil “They were always saying that I wouldn’t cut it out in the PBA because I couldn’t dominate the players in college, let alone in the PBA. And when we won back-to-back championships in college they told me that my competition was small.”June Mark Fajardo and head coach Leo Austria. Photo by Tristan Tamayo/INQUIRER.netFajardo led UV to the 2010 and 2010 Cebu Schools Athletic Foundation, Inc. titles with the first coming against University of Visayas and the second one against Southwestern University.This kind of collegiate dominance made Fajardo an asset for San Miguel, which then had a team in the ASEAN Basketball League, before the Kraken eventually made his way into the PBA as the top overall pick of the 2012 Draft.Fajardo’s rookie year, however, was a struggle and he conceded the Rookie of the Year award to second overall pick Calvin Abueva.This failure once again ignited Fajardo to become a destructive force.ADVERTISEMENT View comments Tom Brady most dominant player in AFC championship history Christian Standhardinger wins PBA Best Player award PLAY LIST 01:13Christian Standhardinger wins PBA Best Player award01:42Despite decorated career, June Mar Fajardo is not yet done: ‘I don’t want to be stagnant’00:50Trending Articles02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal LOOK: PH Azkals clean locker room after South Korea loss, leave thank you note Returning for his second season, Fajardo went on a tear putting up averages of 16.8 points, 14.2 rebounds, and 2.1 blocks for his first MVP award and that became the start of an unprecedented string of four straight MVPs.“I was just expecting that I will improve after my first season but I never expected that I would win four straight,” said Fajardo. “I’m lucky that I ended up in a strong team like San Miguel because I have strong teammates and every conference we’re in the playoffs. The credit belongs to them.”Fajardo said that he’s not stopping where he is, and his mission is to always bring something new for every coming year, and the 2019 PBA season is no different.“My promise to myself is that I will always strive to be better,” said Fajardo. “I don’t want to be stagnant, I don’t want to be content with what I’ve done. Call it greedy but I’m not satisfied with what I’ve achieved. I just want to improve.”Sports Related Videospowered by AdSparcRead Next LATEST STORIES Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Don’t miss out on the latest news and information. In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ Japeth Aguilar wins 1st PBA Finals MVP award for Ginebra MOST READ Philippine Army to acquire MANPADS, self-propelled howitzers Ginebra beats Meralco again to capture PBA Governors’ Cup title MANILA, Philippines—June Mar Fajardo has reached an almost mythic stature in the PBA with his four MVPs, seven Best Player of the Conference trophies, and six titles attesting to his greatness.ADVERTISEMENT Will you be the first P16 Billion Powerball jackpot winner from the Philippines? Ginebra beats Meralco again to capture PBA Governors’ Cup title
THEY’VE loads of reasons to be celebrating in Milford this week.Having landed the U21B Championship at the weekend, CLG Baile na nGalloglach will be in celebratory mood again this Christmas when players arrive home from the four corners of the world for a challenge game.The Milford Exiles v Milford throws in at Moyle Park this St Stephen’s Day at noon. “In recent years our Club, like many others, has lost many many players to emigration and already there are players confirmed to be returning from far flung places,” said club spokesman Barry McNulty.“They are home or on their way home from Perth, New York, London, Edmonton, Newcastle, Glasgow, and even throughout Ireland.“Indeed some of our recently, and not so recently, retired players will also be togging out for what should be a great days craic!“Throw in time for the game is 12 midday and later in the evening there will be a presentation in Dusty’s Bar, Milford.” All welcome to what should be a great chance to catch up with old friends and team mates and relive some of the golden memories.Pictured above are Milford’s U21 B Champions who defeated St Mary’s of Convoy in the final. HOW LOCAL GAA CLUB IS BRINGING HOME ITS PLAYERS FROM AROUND THE WORLD FOR MATCH was last modified: December 23rd, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:CLG Baile na nGalloglachdonegalexiles matchMilford
Margo: Honest and frank account of her lifeSINGER MARGO O’Donnell has revealed how a man sexually assaulted her when she was 20 and recovering after a road traffic accident.The shocking revelation comes in her autobiography ‘Margo Queen of Country & Irish: The Promise and the Dream’ released today by O’Brien Press.The Donegal singer was taking medication after suffering injuries in a car crash; however this led to her having blackouts. “After singing one night I felt dizzy and had one of my blackouts and as I was coming round, this man, whom I knew, was performing a lewd act in my presence and though I was never physically raped, I was forced to perform a sex act on this person,” she writes, saying she was teetotal at the time.“Abuse can take many forms and this event affected me very badly,” she writes in her book.A decade later she was told her career would take off if she had sex with a showbiz contact.“I ran so scared I wanted to die. I believe that sort of thing happens right up to the present day, but I am proud to say I never slept my way to the top,” she said. Her brilliant book is a heartfelt and honest appraisal of her life, dealing with her battle with alcohol after she began drinking at the age of 23.Now aged 63, she says she was able to read her entire book to her mum Julia before she died and her mum had backed her decision to publish it. MARGO: ‘I SUFFERED SEX ATTACK WHEN I WAS YOUNG SINGER’ was last modified: September 24th, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:bookdrinkMargo O’Donnell
160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! The House of Representatives approved a bill Tuesday that includes $775,000 toward two efforts in the Santa Clarita Valley – cleaning up groundwater and buying high-tech emergency room equipment for the private Henry Mayo Newhall Memorial Hospital. The Energy and Water Development Appropriations Act for Fiscal Year 2006 passed the House by a vote of 399-17 and awaits the president’s signature. The bill includes $500,000 for the Castaic Lake Water Agency’s continued effort to clean up perchlorate from the local groundwater supply. The rocket-fuel residue is believed to have leached into the water supply from the defunct Whittaker-Bermite explosives manufacturing plant in Saugus. The contamination has forced municipal water suppliers to cap four wells. The bill also appropriates $275,000 for Newhall Memorial’s cardiac catheterization laboratory. The money would help pay for imaging technology to be used in diagnosing and treating heart disease. The hospital currently relies on drugs to treat heart-attack patients in the emergency room and, in most cases, must then transfer them to other hospitals. AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREWalnut’s Malik Khouzam voted Southern California Boys Athlete of the Week “The money allotted for the Whittaker-Bermite and Henry Mayo Hospital will take large strides in improving the water quality and health of our community,” U.S. Rep. Howard P. “Buck” McKeon, R-Santa Clarita, said in a press release.
Gardai a hunting a burglar who stole a substancial sum of money and a 49 inch television in a raid in Letterkenny. The robbery took place in broad daylight at Fortwell Court between 3pm and 6pm on November 5th last.There was another burglary at the same apartment complex when the residents were away between the 2nd and the 6th of November but nothing was taken. Gardai in Letterkenny have appealed for anybody who may have witnessed anybody carrying a 49 inch television in the Fortwell area at this time to contact them.Gardai hunt burglar who took cash and a 49″ television was last modified: November 12th, 2019 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
Former Warrior Shaun Livingston is contemplating playing a 15th and final NBA season. Think that would play in Peoria?If a recent story in the Peoria Journal Star is to be believed — and why wouldn’t it be? — it is a whale of idea.Livingston was in the bellwether of the heartland this week (he’s a native son) hosting a pair of basketball camps and thinking out loud about his next professional move.He sounds at peace knowing his five-year fun run with the Warriors is over. It is believed he …
Every time a new fossil turns up, a theory quakes. New evidence can subject a theory to the falsification test.Here are new fossil discoveries in recent days. Can evolutionary theory tolerate them? From past experience, they have shown a well-stocked shed of rescue devices.Marine fossilsSponge surprise. An exceptionally preserved set of sponge fossils has been found in China. Since these date from shortly after the alleged Ordovician Extinction (445 million Darwin Years ago), it’s surprising they were doing so well; “These post-extinction sponge faunas were as diverse as modern communities,” Current Biology reports. “Our study reveals an extraordinarily diverse, sponge-dominated community thriving immediately after” the extinction event. Some 75 species were identified.The early fish. Scientists discovered a fish in China that didn’t know its debut date. It showed up before the Devonian “Age of Fishes,” PLoS One says. All the discoverers could think to say was that this area of China “may have been an early center of diversification for early gnathostomes, well before the advent of the Devonian ‘Age of Fishes’.” Science Daily ran up with a ring buoy, saying that the fossil “may provide insight into the early evolution of jawed vertebrates.” Insight is nice, isn’t it?Monster catfish. A giant catfish almost 7 feet long has been found, but you’ll never guess where. National Geographic gives the answer: the Sahara, in “a dramatic, forbidding desert southwest of Cairo,” Egypt. It’s said to be 37 million Darwin Years old.Monster worm. Searching through museum shelves, scientists found the jaws of a monster worm with powerful jaws that preyed on fish. Phys.org calls it a case of gigantism, “a poorly understood phenomenon among marine worms” according to the discoverers. They give this fossil 400 million Darwin Years. Be glad it’s extinct; it would have been about a meter long with snapping jaws.Jurassic beauties. Exceptionally-preserved fossils of “articulated vertebrates (fish, ichthyosaurs), crinoids, crustaceans, brachiopods, abundant mollusks (coleoids with soft tissues, ammonites, gastropods, bivalves), wood, and microfossils” have been found near Alberta, Canada, the journal Geology reported. Considered early Jurassic, they are given 183 million Darwin Years.Land fossilsPermian sundial. For the first time, dendrochronology has been applied to a Permian fossil forest. The two researchers reporting the find in Geology found nearly the same sunspot cycle in the patterns as our modern 11-year cycle. “This is the earliest record of sunspot cyclicity and simultaneously demonstrates its long-term stable periodicity for at least 300 m.y.,” they say.Dinosaur dinner. Mineralized stomach contents of a sauropod dinosaur, said to be 180 million years old, are described by Jon Tennant in a PLoS Blog copied on Phys.org. He let slip a Darwin conundrum worth remembering: “it comes from one of the major dinosaur groups called Ornithischia – the bird-hipped lizards (ironically, not the dinosaur lineage that led to birds, but that’s another story).”Dinosaur-bird-pterosaur dance floor. Tracks of dinosaurs, birds and pterosaurs have been found together in Mexico. Apparently the Chicxulub impact didn’t wipe out everything close by (for more on that, see CMI article). Geology GSA Bulletin says,The trackway assemblages at Amargos and Rancho San Francisco were produced by at least six different types of birds, while trackways of azhdarchoid pterosaurs are rare. Only a single footprint was produced by a nonavian theropod. A diverse ichnofauna of arthropod traces is also present in a different facies. The tetrapod trackway assemblage was deposited during the very latest Maastrichtian, as indicated by an up to 2.5-m-thick unit with abundant smectite spherules attributed to the Chicxulub impact less than 8.5 m stratigraphically up section at Amargos. Sphenodiscus pleurisepta is the last ammonite at Amargos and may have crossed the Cretaceous-Paleogene boundary.Lake fossils in Idaho categorized as Miocene show exceptional preservation, says another paper in Geology. (Exquisite deposits with extraordinary fossils are dubbed Konservat-Lagerstätte or simply Lagerstätten.) “Here, we present evidence for a previously unrecognized, geologically instantaneous drop in the Clarkia Lake water level,” the authors say, thinking that a volcanic event drained the lake and concentrated the fossils.Rewrite the tree again. Did you know some extinct rodents were almost as big as buffalo? It’s true. (The largest rodent today, the capybara, wimps out at 174 pounds.) The skull of a giant rodent called a dinomid, that probably weighed close to a ton, has been found in Uruguay. The skull fragments include parts of a juvenile and an adult. Science Daily says it “raises questions.” And Live Science declares, “Extinct Giant Rodents’ Family Tree Rewritten by New Fossil Finds.” What’s the problem?Comparing them we conclude that from very young the giant rodents already were very similar to the adults which allows us to deduce that the great majority of the hypotheses before posed were wrong. The juvenile and the adult analyzed here represent some of the largest rodents known to science with some of these animals weighing almost a ton.Primate bites tree. A primate fossil from India is also shaking Darwin’s tree. Phys.org says the “Newfound primate teeth take a big bite out of the evolutionary tree of life.” This animal, about the size of a cat and related to lemurs, is awarded 11 to 14 million Darwin Years. “The question that remains is how the ecosystem in northern India supported this species when its relatives elsewhere were disappearing or had already gone extinct.”Human fossilsTooth truth. Science sites are reporting the Neanderthal Man had a decent medicine chest. Examination of plaque left on teeth provides clues to diet. Science Daily reports that Neanderthal teeth from Spain show remains of poplar, a source of aspirin, and a kind of mold that produces penicillin. The diet also appears to have been largely vegetarian. Here’s more evidence contradicting the old picture of stupid brutes: Dr Laura Weyrich from Australia says,“Apparently, Neandertals possessed a good knowledge of medicinal plants and their various anti-inflammatory and pain-relieving properties, and seem to be self-medicating. The use of antibiotics would be very surprising, as this is more than 40,000 years before we developed penicillin. Certainly our findings contrast markedly with the rather simplistic view of our ancient relatives in popular imagination.”That “popular imagination,” it must be recalled, was fed by Big Science of the 20th century, and Big Media, including National Geographic. They all championed the misleading and discredited “march of progress” icon of human evolution.Paradigm Shift?Roy Plotnick threw this bombshell into Geology: is the fossil record fractal? In “Recurrent hierarchical patterns and the fractal distribution of fossil localities,” he argues that the record of the rocks is self-similar at multiple scales. We saw something like this back in 2004, when Schlager wrote about the “Fractal Nature of Stratigraphic Sequences.” Plotnick references a 2010 paper by Schlager, “Ordered hierarchy versus scale invariance in sequence stratigraphy.”Creation geologist Andrew Snelling calls this a “potentially important paper,” although he has not yet examined it in detail. “But you are right that a fractal character of the fossil record would put a spanner in the normal evolutionary works for interpretations of ages and evolutionary sequences among the fossils,” he explains. “In their view the record should be random, not systematic.” (Personal communication)Darwin skeptics may want to read these papers and think about what they imply. Whatever is going on, Plotnick rightly says that “Understanding the spatial structure of fossil localities is critical for interpreting Earth system processes based on their geographic distribution.”Lots of material here for Darwin skeptics. With the exception of common fossils that fall into the same neat categories (e.g., forams, marine invertebrates), it seems the Darwinians are surprised by new fossils more often than not. Let’s open our minds to other possibilities than slow-and-gradual Darwinian evolution.(Visited 117 times, 1 visits today)FacebookTwitterPinterestSave分享0
Women in Wine bottles have a distinctive and attractive label.(Image: Women in Wine)MEDIA CONTACTS • Beverley FarmerCEO, Women in Wine+27 21 872 8967RELATED ARTICLES• ‘Most exciting’ New World wine• SA’s wine tourism, best in the world• SA wine consumers on the rise• SA’s first wine tourism exhibition• Wine route celebrates 40 yearsLucille DavieWomen in the Cape winelands are standing up to be counted, and are now producing their own wine, bottled under the label Women in Wine.A group of 20 women, all with backgrounds in the wine industry, formed the company seven years ago, with “the dream of giving women, especially farm workers and their families, a share in the industry”. With varied skills in marketing, wine analysis, finance, development and training, and social responsibility, the one thing the partners all had in common was that they all “enjoy a glass of quality wine”.Women in Wine is the first wine-producing company that is owned, controlled and managed entirely by women. “To date, women have made a significant contribution to the Cape’s wine industry without receiving recognition or benefiting from the industry’s business opportunities,” says Beverly Farmer, a founder member and the chief executive.Embracing changeThe company has several unique features. “Women in Wine embraces change in an industry which is 365 years old,” explains Farmer. “We are the first company owned, controlled and managed by women, and black women in particular.”The partners are all too aware that seasonal workers, who are often women, are unemployed for the rest of the year. The company strives to create a second source of income for these women by identifying “skills development and training opportunities in collaboration with other organisations”.A Women’s Workers’ Trust has been set up, which has shares in the company. Women in Wine also works closely with organisations like the South African Wine Industry Trust. This trust aims to restructure the wine industry to represent the interests of all those involved more effectively, in particular the farm workers, by building a shared consciousness through providing information, platforms for dialogue, education and co-ordination, and by promoting ethical trading.Women in Wine is also a founder member of the African Vintner Alliance, a joint action group established three years ago for the growth of black businesses in the wine industry. “During this period we have worked hard to establish a foothold in this traditional industry by working in collaboration with each other to enter and develop new markets,” states Farmer.Women in Wine only sources wine from farms that comply with socio-economic legislation with specific reference to ethical and environmental practices, employment conditions, skills development and training, as well as that address aspects of black economic empowerment.Ready overseas marketThe group has found a ready overseas market for its product. It produces six wines: a sauvignon blanc, cabernet sauvignon, chardonnay, cabernet sauvignon/shiraz, pinotage rose, and chardonnay chenin blanc. The wines are exported to the US, China, Ireland, Spain, Sweden and Denmark, and are available locally in Makro stores nationwide. They can also be ordered online from the Women in Wine website.Some of its export destinations have their own well-established wine industries but they have embraced the Women in Wine label. Farmer believes the reason for this is that importers are interested in the story behind the brand. “The partnership between professional women and farm worker women is a truly South African story.”Two years ago, Women in Wine was nominated in the category Ethical Business Award by the prestigious international magazine, The Drinks, in the UK.Creative solutionsWomen in Wine has recognised that there are other ways of producing wine. The company was established without the huge capital investment needed for a traditional vineyard with rows of vines stretching into the distance, and a vast cellar. Instead, it has entered into partnerships with existing cellars, as well as with bottling and packaging companies, to produce its wine.“In order to achieve our vision of contributing to the transformation of the South African wine industry, we have had to come up with creative solutions that break with traditional perceptions that to produce excellent wines you have to have land, vineyards, cellars and a big company for exports. Instead we have invested in the building of the Women in Wine brand,” explains Farmer, who has a journalism degree and worked on wine farms, representing farm workers and their families, before she became chief executive of Women in Wine.One such partnership is with Boland Kelder, which is the group’s leading wine supplier. Its product development team, with well-known international wine makers on the panel, made Women in Wine’s first two Eden’s Vineyards wines to its specifications.In 2011, the South African wine industry had more than 3 500 wine producers, with 582 wine cellars, and 100 000 hectares under vine. In that year, 831-million litres of wine were produced in the Western Cape. In 2012, over 400-million litres of wine were exported, with the UK and Germany taking the biggest slice, at 22% and 19%, respectively.The wine industry in South Africa goes back 350 years, when the Dutch governor, Jan van Riebeeck, produced the country’s first wine in 1659.
SharePrint Related9 Tips for responsible cache maintenanceJune 6, 2017In “Learn”Hagen med det rare i— Geocache of the weekJanuary 11, 2017In “Geocache of the Week”Padlocks, RFID chips, and secret briefcases: an interview with a geocaching maniacMarch 12, 2019In “Geocaching Weekly Newsletter” Guest writer: Cathy Hornback, Community Volunteer Support Senior Specialist at Geocaching HQA geocache description is the information you write for other geocachers on your cache page about your cache and its location. It’s also a good way to share information about interesting things to see while there, things to avoid, and what kind of equipment you’ll need. A good cache description can attract more people to visit and find your geocache. Below are two examples of a geocache description. Which cache would you want to visit?Cache description one:Cache description two:Did you choose the second one? Most people would because it makes the cache location sound beautiful and inspiring, with interesting things to see. Here are some additional tips to help you take your cache descriptions to the next level and inspire people to choose your cache as the next one they will visit.Describe the experience finders will haveTell people why they should visit your cache. Describe the location (hopefully you chose a nice one), or explain why the place inspires you. Do you have a great story about the cache? Tell that story! Describe your cool container, or the theme of your gadget cache. Do you have a surprise for them and don’t want to share the secret until they get there? That’s OK, tell them you have a fun surprise waiting for them.Don’t make it too long.No one wants to read a wall of text. Try to be concise, and break it into paragraphs if it is still seems long. If you have a lot of history and information to share, consider adding a link to a web page that has the information instead of writing it all in the description. Then people who want to know more can follow the link and those who just want a smiley can get the information they need, find the cache and carry on.Consider including photos.A picture paints a thousand words, and they can help divide sections of text. A photo of your beautiful location will make people want to go there. An amusing image that matches the theme of your cache will make them want to go there and see what the joke is.Do you have an especially good cache description that you have written? Or maybe one you have read for a cache you’ve found? Share it in the comments!Share with your Friends:More
By Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, firstname.lastname@example.orgOne of the most powerful ways to motivate people (including yourself!) to improve money management practices is to complete a personalized analysis of financial strengths and weaknesses. Fortunately, there are many free and easy-to-use online tools that provide financial self-assessments. Below is a description of online quizzes that provide useful information about what people are doing right and/or suggested action steps for improvement.The first six online quizzes were developed by Rutgers Cooperative Extension. In addition to providing users with personalized self-assessments about their personal finances, they also collect data for ongoing research about the financial practices of U.S. consumers.Financial Fitness Quiz– Consisting of 20 questions, the quiz prompts people to assess their frequency of performance of recommended financial practices. Quiz items include questions about emergency savings, retirement savings, financial goal-setting, financial record-keeping, budgeting, debt ratios, and comparison shopping.Identity Theft Risk Assessment Quiz– Also consisting of 20 questions, the quiz prompts people to assess their frequency of performance of recommended risk-reduction practices. Quiz items include questions about checking credit reports, shredding documents with sensitive data, and securing incoming and outgoing mail.Investment Risk Tolerance Quiz– A well-tested research instrument that was published in an academic journal, this 13-question quiz prompts people to answer a series of questions about their propensity to take risks and their investment practices. Quiz items include a number of hypothetical scenarios with alternative choices.Personal Health and Finance Quiz– Consisting of 10 questions about health practices and 10 about financial practices, this 20-question quiz prompts people to simultaneously assess both aspects of their lives. Quiz items include questions about food consumption, physical activity, saving and investing, budgeting, and debt ratios.Personal Resiliency Resources Assessment Quiz– Consisting of 20 questions, this quiz prompts people to assess available resources that can help them cope with financially stressful situations. Quiz items include three categories of resiliency resources: financial (e.g., emergency funds and insurance), social/community, and personal.Wise Credit Management Quiz- Consisting of 20 questions, this quiz prompts people to assess their frequency of performance of recommended credit and debt management practices. Quiz items include questions about debt ratios, credit report and credit score reviews, debt repayment practices, and avoidance of high-cost predatory loans.The following three online quizzes provide additional self-assessments about financial management practices:Financial Capability Scale– This eight-question quiz was developed by the Center for Financial Security at the University of Wisconsin-Madison. Quiz items include questions about budgeting, confidence in achieving financial goals, emergency funds, automatic savings, household cash flow, and financial goal-setting.Financial Health Quiz (How Healthy Are Your Finances?)- This quiz from CNN Money prompts users for information about key areas of personal finance and provides feedback and a letter grade. The seven topic areas are retirement savings, housing payment, debt, emergency savings, diversification, company stock, and life insurance.Personal Finance Wellness Scale™- This eight-question quiz was developed by the Personal Finance Employee Education Fund (PFEEF). Potential users must submit an online request to use it. Quiz items include questions about respondents’ financial stress level, emergency fund adequacy, and perceptions about living “paycheck to paycheck.”