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Day: June 13, 2016

How to Pass the LAPD Test

If you truly want to be a police officer for the Los Angeles police department, then you will need to pass the police officer entrance exam and other requirements associated with being an LAPD cop. The hiring process begins with the PBA better known as the Preliminary background application, and then the JPQ also known as the Job Preview Questionnaire. Those are some initial qualification that you must meet in order to move ahead in the selection process.

The PQE or the Personal Qualification Essay is given at varies locations throughout the city 5 days a week. This means that you no longer have to wait months before you can take the test like 20 years ago.

The bad news about the LAPD exam is that only 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all people who take it actually pass it, but the good new is you can prepare for the test by getting yourself a police exam study guide. The guides are available at any bookstore or online. The bottom-line is your exam score result will either send you ahead in the hiring process or temporally halt your dream until you can retake it again.

There are a total of 8 phases in the Los Angeles Police department recruit hiring process, and they are…

Phase #1 – PBA also known as the Preliminary Background Application

Phase #2- PQE (known as Personal Qualification Essay)

Phase #3- Physical Assessment Test

Phase #4-Background Check

Phase #5- Polygraph Test

Phase #6- Oral Board Interview

Phase #7- Psych Evaluation Test

Phase #8- Sworn in As a Police Officer

In all honesty if you truly want to work for LAPD, you will have to study your tail off in order to pass the examination. However if you don’t pass it the first time, don’t fret simply retake it, and keep retaking it until you get a passing score. Granted there is a waiting period between failed exams, but don’t let that stop you.…

Effect of Liberalisation in Insurance Industry


The journey of insurance liberalization process in India is now over seven years old. The first major milestone in this journey has been the passing of Insurance Regulatory and Development Authority Act, 1999. This along with amendments to the Insurance Act 1983, LIC and GIC Acts paves the way for the entry of private players and possibly the privatization of the hitherto public monopolies LIC and GIC. Opening up of insurance to private sector including foreign participation has resulted into various opportunities and challenges.

Concept of Insurance

In our daily life, whenever there is uncertainly there is an involvement of risk. The instinct of security against such risk is one of the basic motivating forces for determining human attitudes. As a sequel to this quest for security, the concept of insurance must have been born. The urge to provide insurance or protection against the loss of life and property must have promoted people to make some sort of sacrifice willingly in order to achieve security through collective co-operation. In this sense, the story of insurance is probably as old as the story of mankind.

Life insurance in particular provides protection to household against the risk of premature death of its income earning member. Life insurance in modern times also provides protection against other life related risks such as that of longevity (i.e. risk of outliving of source of income) and risk of disabled and sickness (health insurance). The products provide for longevity are pensions and annuities (insurance against old age). Non-life insurance provides protection against accidents, property damage, theft and other liabilities. Non-life insurance contracts are typically shorter in duration as compared to life insurance contracts. The bundling together of risk coverage and saving is peculiar of life insurance. Life insurance provides both protection and investment.

Insurance is a boon to business concerns. Insurance provides short range and long range relief. The short-term relief is aimed at protecting the insured from loss of property and life by distributing the loss amongst large number of persons through the medium of professional risk bearers such as insurers. It enables a businessman to face an unforeseen loss and, therefore, he need not worry about the possible loss. The long-range object being the economic and industrial growth of the country by making an investment of huge funds available with insurers in the organized industry and commerce.

General Insurance

Prior to nationalizations of General insurance industry in 1973 the GIC Act was passed in the Parliament in 1971, but it came into effect in 1973. There was 107 General insurance companies including branches of foreign companies operating in the country upon nationalization, these companies were amalgamated and grouped into the following four subsidiaries of GIC such as National Insurance Co.Ltd., Calcutta; The New India Assurance Co. Ltd., Mumbai; The Oriental Insurance Co. Ltd., New Delhi and United India Insurance Co. Ltd., Chennai and Now delinked.

General insurance business in India is broadly divided into fire, marine and miscellaneous GIC apart from directly handling Aviation …