What Is a Testicular Exam?
A testicular test is a check of the look and feel of your testicles, to see if there may be any problems. You or your doctor can do it.
The testicles are part of a man’s sex organs. They’re in a pouch called the scrotum, located behind and below the penis. They make sperm and the male hormone testosterone.
Who Needs a Testicular test and How Often?
Every man should have a testicular exam. There is no recommendation that a testicular test should be part of your annual physical exam. But your doctor may suggest that you do a self-exam on a regular basis. Some doctors recommend checking your testicles once a month. Others say it's fine to have your doctor check once a year.
If you are having problems, or notice a lump or other changes in how your testicles feel or look, tell your doctor.
Exams can be a good way to find lumps that could be cancer or another problem.
How to Do a Testicular Exam
There’s no harm in a self-exam, and doctors say it’s good to know how your testicles look and feel so you can notice any changes.
A self-exam is quick and painless. It takes only a few simple steps:
- Take a warm shower or bath to allow the heat to relax the skin of your scrotum.
- Hold your penis out of the way.
- Examine one testicle at a time using both hands. Roll it between your thumb and fingers.
- Feel for a pea-sized lump. If you see or feel something like that, contact your doctor. It’s probably nothing to worry about, but it’s important you make note of it.
- Check for any changes in the size, shape, or feel of your testicles. One might be of a different shape or size than the other. That’s OK, but the shapes and sizes shouldn’t change. One might hang lower than the other. That’s normal, too.
Don’t worry if you feel a cordlike structure behind each testicle. It’s a normal part of the part of the scrotum that stores and moves sperm. It’s not a lump.
Is It Testicular Cancer?
If there is a suspicious lump, your doctor might run a painless ultrasound to get a better look for signs of cancer. They might do a blood test to see if there’s an indication of cancer. If the doctor thinks it may be cancerous, they may decide to do surgery to remove the testicle and check for cancer. If it is cancerous, they can determine what kind.
Removing one testicle shouldn’t impact your sex life or your fertility, but having testicular cancer or its treatment could impact fertility. If you think you may want to have children, talk to your doctor about preserving sperm before treatment.
Here are some facts to know about testicular cancer:
It’s rare: Your chance of getting it is about 1 in 250.
It most often affects men ages 15 to 34: It’s the most common cancer in this group.
It’s highly curable: The risk of dying from it is 1 in 5,000.
Early identification is key: It’s more likely to be treated and cured if it’s found early.
Some things increase your risk: Testicular cancer generally can’t be prevented, but some things increase risk. Your risk is higher if you’re white and non-Hispanic or have an undescended testicle or a family history of testicular cancer.
Other symptoms of testicular cancer
A lump is the most common symptom, but others include:
- Firm testicle
- Swelling or fluid buildup in the scrotum
- Feeling of scrotal heaviness
- Achiness in the lower belly, groin, or scrotum
- Breast tenderness or growth
- Pain or uncomfortable feelings in the testicle or scrotum
- Back pain
- Early puberty in boys
A lump or other symptom doesn’t mean you have cancer or any other problem.
The Academic Calendar is the official College calendar that outlines semester start and end dates, official holidays, college breaks, mid-semester dates, quarter dates, student teaching timelines, study days, final test periods, and commencement dates. The Official Academic Calendar is determined by the Campus Calendar Committee, chaired by the President's Office. The calendars are approved by the Faculty Senate prior to publication.
Past Academic Calendars
Religious Observance Calendar
The campus calendar provides for some specific times of religious observance, but is not an exhaustive representation of religious observances. New York State Education Law provides additional guidance and outlines additional obligations regarding religious observances.
Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.
Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.
Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction).
Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical test life insurance worthwhile.
If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect.
No medical test life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.
Types of no-exam life insurance policies to know
The first step in getting no-medical test insurance is deciding what kind is right for you. Here are four main types
- Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
- Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical test and guarantee a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
- Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
- Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.
If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.
Finding a provider for no-exam life insurance
Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you.
From there:
- Shop around for several quotes. Coverage and premiums can vary widely.
- If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
- If you are working, check to see if your employer is offering group life insurance.
- Consider whether a whole life or term life type of policy is right for your circumstances.
- Seek out customer reviews and complaints to review.
Filling out the application
Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:
- Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports.
- Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey).
- A request for financial information such as income and credit history.
- A request letter from your primary care doctor about your health.
Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking.
Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.
Obtaining life insurance can help you pass money on to your family or other beneficiaries after your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and policy limits, but there can also be varying requirements to qualify for a life insurance policy.
One route that some people take is obtaining a no-exam life insurance policy, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the test results could lead to even higher costs, then this may be a reasonable option.
Here's a look at some of the top life insurance providers available.
Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.
What is no-exam life insurance?
No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:
- Simplified issue life insurance: This type of insurance can be for either term life insurance or whole life insurance. As the name implies, these policies follow a simplified process. Rather than needing a medical exam, you can answer a few basic questions and get a decision online in just a few minutes.
- Guaranteed issue life insurance: This type of policy typically applies to permanent life policies. This is geared more toward those with health conditions and who may be older, so they can benefit those who want a guarantee to qualify, rather than being rejected following a medical exam. However, these policies typically have a waiting period of a couple of years, meaning the benefits might not kick in for someone who dies shortly after applying.
How to get a no-exam life insurance policy
To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.
To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.
Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical test or not.
Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.
How much does no-exam life insurance cost?
No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.
For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical test only has an estimated cost of $30 in monthly payments.
You can also compare prices and plans by scouring life insurance providers online and getting free quotes.
Is no-exam life insurance worth it?
There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical test that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can also benefit those who don't qualify for typical life insurance due to factors such as age or medical history.
However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you may secure a lower price with the medical exam.
Bottom line
Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.
A 14-year-old girl taking Primary Leaving Examinations (PLE) at Wakiso Junior School died on Wednesday after suddenly falling ill in the examination room. Winnie Nabukenya succumbed to a brain tumour.
On Wednesday, 27 pupils of St Christine Primary School in Kakumiro District missed the Maths paper after they arrived one hour and 16 minutes late. The pupils were forced to walk about 15km to Uneb centre after the school director failed to transport them to the venue. They pleaded with Uneb officials but the pleas fell on deaf ears.
Other pupils have for years been forced to write final exams from hospitals. Why subject candidates to this torture? Some have died in the process. There are also several cases involving unscrupulous head teachers but the board does not seem to care. The scourge of this scandal negates the maxim that the first rule of law is to protect the innocent.
Uneb was established by an Act of Parliament in 1983, Cap 137. Last year, a new law: The Uneb Act, 2021, repealed the old Act and introduced what they called “major reforms”. However, the so-called reforms did not address the plight of bedridden candidates and others denied exams on flimsy grounds.
The preoccupation was on broadening offences (7-13), penalties (six months in prison to five years) and changing executive secretary to executive director.
In the new law, Parliament empowered the board to conduct primary, secondary, and such other examinations as it may consider desirable in the public interest; make rules regulating the conduct of examinations and for all purposes incidental thereto and appoint supervisors and invigilators etc. to assist in the conduct of examinations.
Within the confines of these broad functions, there is nothing that stops Uneb from drafting reasonable test rules and regulations. There must be two or three sets of exams at all levels to cater for distressed candidates with exceptional circumstances. The board chairperson should task her executive and test directors to draft new rules and regulations.
Enforcing examinations rules in a mechanistic way disregards context and clutters the spirit of examinations policy which was never intended to punish wounded candidates. Ignoring or rejecting appeals of candidates with a good cause, is archaic and uncalled for. If the fear is about compromising integrity of exams, let the board in consultation with the minister and Parliament, ingrain the exceptional circumstances clause in the context of the prevailing societal condition.
It is wrong for Uneb officials to punish candidates and their parents for matters beyond their control. The laws don’t function in a vacuum. It is important to understand the fundamental purpose of these laws and how they impact the people. A robust legal system serves as the foundation of a happy and healthy society.
We scored companies based on these measurements:
Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.
Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.
Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.
Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness
Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.
Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.
Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.
Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.
The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.
Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.
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Republished December 2, 2022
Exam week transportation schedules are in effect Mon., Dec. 12 through Mon., Dec. 19.
Highlights of UB Stampede Bus Schedule
- The UB Stampede Weekday test Schedule begins Monday, December 12 and is in effect weekdays through Monday, December 19.
- The Fall Weekend schedule will be followed through Sun., Dec. 18.
Highlights of Shuttle Schedule
- The North Campus Shuttle, Blue Line, Safety Shuttle and Student Health Center Shuttle will continue to run on the Fall Semester schedule during test week.
- The Green Line will not be in service as of Mon., Dec. 12.
- The South Campus On-Demand Shuttle will not be in service as of Mon., Dec. 12.
- The last night for Safety Shuttle service will be Mon., Dec. 19.
Highlights of Mall/Market Schedule
- Mall/Market service will follow the fall semester schedule through Sat., Dec. 17.
- A reduced Mall/Market service will operate on Saturdays throughout the semester break.
Contact For Help or Questions
Customer Service Walk-in Center
1Capen
North Campus
Monday — Friday, 8:30 a.m. to 4:30 p.m.
Reservations are required during peak service periods. Visit the 1Capen website for available services and reservation updates.
Administrative Offices
106 Spaulding Quadrangle
North Campus
Tel: 716-645-3943
Email: parking@buffalo.edu
Email: transportation@buffalo.edu
An investigation has been launched into why more than half of those who took the Quebec nursing licence test earlier this year failed it, even as the province is struggling with a nursing shortage.
The commissioner for admissions to professions, André Gariépy, will take a look at the results of the exam, his office said in a news release on Monday evening.
Nursing students have told CBC Montreal that the exam, which is mandatory to obtain a nursing licence in Quebec, didn't reflect what they had been studying in school.
The nurses' order, known by its French acronym the OIIQ, said 54.6 per cent of students failed the licensing test written at the end of September. For those who took the test for the first time, the failure rate was 48.6 per cent — the highest rate recorded in four years.
Since 2018, the success rate for first-time test-takers has generally ranged from 71 to 96 per cent.
Gariépy's office said media coverage and a recent deluge of complaints prompted the investigation. The commissioner, who oversees admissions to professional orders (including nurses) in the province, received 27 complaints about the test in recent days.
The investigation will focus on the "various concerns that have been raised about the test itself and the status of the candidates."
The commissioner encouraged nursing candidates who failed the September test to sign up to rewrite it in March. They should also "review the feedback provided on individual performance at the September session," the commissioner wrote, and "review the guides and materials and participate in information activities to prepare for the exam."
Meanwhile, the OIIQ says it won't change its standards.
The nursing order issued a news release on Tuesday saying its test was not different from past years and it was developed by a panel of experts from clinical and university settings.
"Additional resources" would be put in place to support students, the order said.
"However, relaxing the criteria is not being considered from a public protection perspective," it added. "Instead, we will focus on targeted support to enable all candidates to pass the test in future rounds."
Nursing candidates have three attempts to pass the exam. The OIIQ said all candidates who failed the September test received a response detailing why they failed and that there were online tools available to pass it, including a guide and preparatory workshops.
"We are confident that a return to in-person teaching, as well as support for students, will be a factor in success," said Luc Mathieu, the president of the OIIQ.
In a previous interview with CBC Montreal, Chantal Lemay, a spokesperson for the order, blamed the pandemic's effects on the students' learning environment for the poor test performances.
Joseph Oujeil, a nursing professor at CÉGEP du Vieux Montréal and CÉGEP André-Laurendeau, said he was surprised so many of his students failed the exam.
He said the failure rate was not normal and comes at a terrible time, as Quebec faces a nursing shortage.
"I think the average results need to be looked at," Oujeil said, suggesting the order make the passing grade 50 per cent instead of the usual 55 per cent.
He said students told him the test "doesn't reflect the real reality of what we're teaching them in school or during their studies and it also doesn't reflect what they've seen in their clinical training."
Anyone with information about the test or the status of those who took it can communicate confidentially with the commissioner by emailing commissaire@opq.gouv.qc.ca.
IIM Bangalore will conduct the CAT 2022 test following the test day guidelines
With the beginning of the countdown the Indian Institute of Management (IIM), Bangalore has completed preparations to conduct the Common Admission Test (CAT) 2022 for around two lakh aspirants this year. The entrance test will be held tomorrow, November 27, in three sessions and candidates must have to report one and a half hours before the commencement of the CAT exam. The candidates will not be allowed to enter the management entrance test centre when only 15 minutes are left for the exam.
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IIM Bangalore has already issued the CAT admit card 2022, undertaking format on its official website -- iimcat.ac.in and asked candidates to download and print a hard copy of admit card on an A4 sheet by November 27. Candidates will not be allowed to enter the examination hall without CAT admit card, undertaking slip and a valid photo ID proof. Apparently, the Institutes hold the right to cancel the candidature of any candidate if s/he indulged in any inappropriate activities.
Also Read|| CAT 2022 Tomorrow; Important Things To Focus On Paper, Scoring Sections
The Institute has already mentioned all the exam day guidelines in its release 'Test Day Workflow for Candidates' for the smooth conduct of the CAT 2022 exam. Moreover, a test video guide on test day instructions, log in procedures and answering procedures for the CAT 2022 test is also available on the official website. For any help or assistance candidates may contact on the helpline number -- 18002108720 or may write to cathelpdesk@iimcat.co.in.
Also Read|| How To Avoid Negative Marking In CAT 2022?
- Before leaving for the test centre, candidates must ensure to verify and carry the CAT 2022 admit card and original ID proof. PwD candidates with Scribe must carry a Scribe affidavit along with them to the test centre.
- Candidates must ensure that they have affixed the photograph as required, in the space provided in the CAT hall ticket before reaching the test centre.
- The examination will be held by following the social distanced assessment model which includes using touch-free process wherever needed, implementation of social distancing measures, and guidelines provided by the central government.
- Aspirants must follow the dress code on test day. Socks, plain pullovers, sweaters and cardigans (without any pockets) are allowed inside the test lab.
- Candidates with metal implants, pacemaker, etc. in their body are required to bring a supporting medical certificate of the same to the test centre.
- Institute will not be liable for any damage or loss of the personal belongings of the candidates if any.
- Shoes/footwear with thick soles and garments with large buttons are not permitted while slippers and sandals with low heels are permitted
- Aspirants are not allowed to carry any prohibited item at the examination centre. If any such item is found during frisking process, candidates will be asked to remove all such items.
- After entering the examination centre, candidates will be checked for valid admit card and original ID proof by the test staff and will be informed about the designated lab.
- The candidate's photograph and signature must be legibly printed and visible on the photo ID card and must be matched with the details on the CAT admit card.
- Candidates are advised to take a bio-break (if any), and get their admit card and ID proof Verified by the examination staff after entering the test lab.
- Candidates have to go through the IRIS scanning and photo capture process during registration inside the test hall.
- Once the registration process completed, the test staff member will guide candidates to the allotted computer system number.
- Candidates must ensure their details such as name and photograph appearing on the computer screen is correct and there is no discrepancy in the signature on the attendance sheet.
- The candidates will not be allowed to leave the examination hall before the test ends unless any medical emergency arises.
The following is a press release from the Professional Regulation Commission.
The Professional Regulation Commission (PRC) announces that 8,029 out of 20,407 passed the Civil Engineer Licensure Examination given by the Board of Civil Engineering in Manila, Baguio, Butuan, Cagayan de Oro, Cebu, Davao, Iloilo, Koronadal, Legazpi, Lucena, Pagadian, Pampanga, Rosales, Tacloban, Tuguegarao, and Zamboanga this November 2022.
The results were released in six working days after the last day of examination. The members of the Board of Civil Engineering who gave the licensure examination are Engr. Praxedes P. Bernardo, chairman; Engr. Pericles P. Dakay and Engr. Romeo A. Estañero, members.
On January 30-31, February 1-3, February 6-10, and February 13-15, 2023, registration for the issuance of Professional Identification Card (ID) and Certificate of Registration will be done online. Please go to www.prc.gov.ph and follow instructions for initial registration.
Those who will register are required to bring the following: downloaded duly accomplished Oath Form or Panunumpa ng Propesyonal, notice of admission (for identification only), 2 pieces passport sized pictures (colored with white background and complete name tag), 2 sets of documentary stamps and 1 piece short brown envelope.
Successful examinees should personally register and sign in the Roster of Registered Professionals.
The date and venue for the oathtaking ceremonies of the new successful examinees in the said examination will be announced later.
The top performing schools in the November 2022 Civil Engineer Licensure Examination as per Commission Resolution No. 2017-1058(C) series of 2017:
The successful examinees who garnered the ten highest places in the November 2022 Civil Engineer Licensure Examination are the following:
Here’s the full list of passers:
– Rappler.com
