Problem: Article: If you have the necessary experience or education, you must first obtain an application. There are three ways to get an application.  You can visit any office of the Nevada State Contractors Board and pick up an application in person. For a listing of offices, consult the website.  The Contractors Board also has a 24 hour automated phone line you can use to request an application be mailed to you. The number is (775) 688-1141.  You go online and download an application from the Contractor's Board website. If you have access to a printer, this is probably the quickest and easiest route. In addition to filling out the application, you need to include a number of materials to present to the board. These materials help verify your experience and education and allow the board to make an informed decision about granting you a license.  You need to submit four Reference Certificates with your application. These certificates, which you can get when you obtain your application, must be filled out by someone who has firsthand knowledge of your experience. You can choose co-workers, supervisors, union representatives, architects, engineers, and anyone else you have worked with during your time as a journeymen, supervisor, or foreman.  Also, include a detailed resume of your work history. Include all relevant projects you have worked on, any tasks you have performed, and any trades or crafts you've mastered.  If you're using education in place of experience, include college transcripts or a certificate of an apprenticeship. There is a $300 application fee, that can be paid via check. Include a check made out to the Nevada Contractor's Board in your application packet. Once you've gathered all the needed materials, you can complete and then submit your application.  Use ink or a typewriter to complete all the fields in your application and carefully proofread the document afterwards. Missing or inaccurate information could result in an application being rejected.  Make sure to sign and date your application.  You need to submit your application in person. There are two Nevada State Contractors Board offices, open Mondays to Fridays from 8AM to 5PM.  One of the offices is in Henderson Nevada, and the address is 2310 Corporate Circle, Suite 200. The phone number is (702) 486-1100.  The other office is in Reno, Nevada. The address is 9670 Gateway Drive, suite 100. The phone number is (775) 688-1141. Applications get rejected for a variety of reasons. If yours is rejected, know your options.   You can appeal before the board. You have 60 days after receiving your rejection to request a hearing.  If your application is rejected due to missing information, you have 60 days from when you are notified of missing information to resubmit the application.  Unfortunately, if your application is rejected you cannot be refunded your application fee.
Summary: Get an application. Gather the necessary materials. Pay the required fees. Complete and submit the application. Understand your options if your application is rejected.

Problem: Article: If you're living comfortably and securely, your goal should be to prioritize your debts so as to pay them off as quickly as possible. One method of doing this involves paying off debt win order from the highest interest rate to the lowest. This is the fastest and most efficient way to pay off debt, and is referred to as a the "debt avalanche" technique. Organize your bills and paperwork and examine the terms and conditions of your loans to determine the interest rates you are being charged on each form of debt you owe. Use this information to create a written schedule that lays out when you will pay off each debt.  Be sure to consider fees that may affect your priorities. For example, some credit cards have annual fees that you can avoid if you pay off and cancel the card — though you should be aware that canceling the card comes with its own disadvantages, as it may adversely affect your credit score. Some loans have prepayment penalties, which may make quickly paying those loans off less cost-effective than it would be if you had only to consider the interest rates. If the interest rate on a particular account is subject to change, as is the case with credit cards that have introductory rates, be sure to consider this. Your priorities may need to change when the rates change. When prioritizing by interest rates, use the effective interest rate, the rate that takes into account any tax deduction. This is usually applicable to mortgages or student loans. Since interest payments on these loans are tax-deductible, the cost of such loans is actually a bit less than the stated interest rate. Calculate the effective rate by multiplying the stated interest rate by 1 minus your income tax bracket. For example, if you're in the 30% tax bracket and you have a mortgage with a stated rate of 10%, the effective interest rate is 7.0% (10*(1-0.30)). Even though you are focusing on paying off one source of debt at a time, be sure to keep from incurring more by paying the minimum monthly payments on other debts. Take these amounts into consideration before putting the rest of your money towards paying off your target debt. It may be a good idea to create an excel document to keep track of these payments and when they are due. This will generally be a credit card or a personal loan. If you really want to get out of debt, you will eliminate unnecessary expenses and put as much of your income as possible towards paying off this debt. This will allow you to pay it off quickly and move on to the next debt. Once you've paid off the first debt, proceed to the next-highest, and so on until you're debt-free.
Summary: Determine if this method is right for you. Put your debts in order by interest rate. Keep up with minimum payments. Pay as much as you can on the first debt. Move on the debt with the next-highest interest rate.

Problem: Article: Bottling up your feelings about the toxic relationship lets the other person win because it keeps you isolated. Open up about what happened and how you are feeling about everything.  Confide in a close friend or family member. Tell them how you are feeling and seek comfort. If you have specific requests about how they can support you, let them know. To truly move on and heal from a toxic relationship, you must open your heart to positive, healthy relationships. Look over your existing connection and find ways to deepen your relationship with people who make you feel good.  You might also make new friends by joining a club or organization or participating in a support group. Remember that it is okay to give yourself some time to heal. Don't jump right back into dating until you feel ready. You probably poured a lot of yourself into the toxic relationship. Now is the time to pour all that love and compassion back into yourself. Build a self-care routine that focuses on nurturing your mind, body and spirit.  Treat yourself to healthy, nutritious meals. Do soothing exercises like yoga or expressive dance. Take warm baths with scented oils or bubbles. Or take long walks in nature. You might also heal and care for yourself by writing your thoughts and feelings about the experience in a journal. Taking a trip can also be a great way to take care of yourself. It will give you a change of scenery and routine. Consider visiting a friend who lives in a different city. If you found yourself in a toxic relationship, you may have an insecurely attached relational style that stems from childhood. This style may have made it hard for you to see toxic behavior for what they were. In therapy, you can become conscious of how childhood experiences impact your current relationships and start to heal those wounds. Ask your family doctor to recommend a professional therapist in your area.
Summary:
Talk about what happened to someone you trust. Replace that relationship with a positive one. Adopt a  self-care practice. Discuss your relationship patterns in therapy.