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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

Introduction

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 …

The Business of the 21st Century: Review

Robert Kiyosaki, the author of the best-selling series of “Rich Dad, Poor Dad” books has recently published a new book. This is a review of this latest book, “The Business of the 21st Century”.

He introduces the book:

“In The Business of the 21st Century, I’m going to show you why you need to build your own business, and exactly what kind of business. But this isn’t just about changing the type of business you’re working with; it’s also about changing you. I can show you how to find what you need to grow the perfect business for you, but for your business to grow, you will have to grow as well.”

The premise of this book is that you can STILL experience success in business. Despite the “tough times” that are present due to the worldwide economic crisis, fortunes will be made.

But the qualifier is that you must choose wisely.

It is a current reality that American workers are competing with workers in every country in the world. Many of these workers are HAPPY to do the same work for one-tenth (or less) of your current wage!

For this reason – and many more economic factors – we are living in an era of unprecedented unemployment levels. The rates are often correlated to “The Great Depression” but that is not a fair comparison.

While the percentages of people who are unemployed may be similar to Depression levels, we live in a completely different world. The level of education, technology, and mobility are a hundred times more advanced that in the 1930’s. And yet, tens of millions of Americans are unemployed – or “underemployed” and working in jobs far below their education and experience. This is especially true of “Baby Boomers” who have very slim chances of matching their old jobs.

Robert Kiyosaki touches on this realityin his description of “The Cash Flow Quadrant”. He says ALL income earners fall into one of four categories, or four corners of “The Cash Flow Quadrant”.

The four divisions are:

Employee: These people are looking for a good job with benefits. They are also 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} at the mercy of their employers, who are at the mercy of global competition. The goal of every employee is to have some money left after paying all their expenses.

Self-Employed: These are small business owners and sole proprietors, characterized by “Mom and Pop” stores and service providers. Unfortunately, many displaced workers have tried to open a business only to find that they merely “bought” themselves a 100-hour per week job. They also quickly learn that when they stop working they stop earning.

Business owner: These people understand that maximum earning potential is only attainable by leveraging the efforts of many, many more. A business builder creates a “machine” that operates around the clock, without their direct input in every stage of the process.

One of the HUGE differences in the wealth creation potential of a business owner is the legal and ethical ability to record expenses …

Construction Insurance – Importance and Coverage

Construction involves large number of manpower and huge investments of money. The workers at a construction site risk their lives working at great heights, with dangerous tools, toxic materials, heavy equipment, under tunnels, etc. Here, construction is associated with high amount of risk for money and lives. A slight negligence or bad fortune on part of the worker or owner may prove too costly. It may lead to a huge financial loss. These unfortunate events require tools, which can bail the company out of the situation. Here arises the need of 'Construction Insurance', the risk management tool, customized specifically for the construction industry. Construction insurance is like any other insurance, which is used to protect the various parties associated with construction process.

A comprehensive construction insurance policy covers all the expenses that may occur due to property damage or personal injuries at the construction site. This insurance not only includes the organization owner, but also workers, employees, tenants, sub-contractors, sole proprietors and business partners.

Importance of construction insurance
As discussed above, construction uses use of heavy equipment, materials, labor, etc. And is more prone to accidents. Since the business stands for any accident on the construction site, it is the business owner or the contractor that should pay for the medical treatment charges of the injured or compensation to the families, in case of death of the worker.

Material costs associated with construction are very high. Any damage to the structure or the materials leads to huge financial loss. Insured with the construction insurance, one can seek financial assistance from the insurance company.

The buyers of the flats or the constructed property will have all rights to sue the construction company, in case of faulty construction. In such cases the construction company has to pay for the remodeling or repairing the constructed site. Construction insurance protects the builders from those claims, by providing financial assistance.

Apart from the above circumstances, construction insurance provides wide coverage, providing security to the business in case of unpredicted events.

Four main areas it covers
Construction insurance is very significant in terms of its coverage. It is very comprehensive and is specifically designed to cover every aspect of construction process, to make the business process flexible. Construction insurance covers four major areas of business insurance. They are:

Public liability insurance
Public liability insurance is a general insurance to be owned by any business which involves interaction with the customers or people in general. Public liability insurance as part of construction insurance helps the businesses in case any damage to third party property or individuals is caused by employees or the tools used in construction.

Employers liability insurance
As the construction industry involves lots of risks, any worker can get injured or die at any point of time, due to the faulty equipment or negligence of supervisors or co-workers. Employers are responsible for the health and safety of their employees at construction site. Moreover, the employees will have every right to sue the owner and claim …

Personal Development Plans For Musicians

You know, there’s much more to playing music than learning scales and chops. There’s a whole other side to playing music that’s in your mind and your heart. As a musician, if you create your own personal development plans and follow them, you’ll be able to do much more than you every believed you could.

Setting Goals

This is first and foremost. You probably don’t remember, but one year ago today, you didn’t play nearly as well as you do now. You also hadn’t heard some of the music that’s influenced your playing. There were ideas out there in the universe that you couldn’t have even imagined one year ago today.

So, where would you like to be next year on this day? Nobody ever gets anywhere without setting goals. Decide what it is you’d like to achieve in the next year, and then take the steps you need to achieve it.

But, don’t set unrealistic goals for yourself. This is a real confidence killer. “I want to become proficient in six more orchestral instruments in the next year.” Whoah, put on the breaks a minute! Think about what you realistically can do; take steps toward your goal, and each step along the way will be joyous and inspiring. You can do what you want, but some things take longer than others.

Keep An Open Mind

Every musician has a subconscious checklist. This checklist says, “I am this” and “I am that.” It also says, “I can do this” and “I can’t do that.”

Everybody can benefit from exploration. Get out and check out new music you’ve never heard before. If you’re a jazz player, get some hip hop records. What do you like and what don’t you like about them? What is similar and what is different? You’d be surprised how different styles of music mesh together into something else. Don’t restrict yourself.

If you’re a classical musician, go the library and check out some CDs of music from some other part of the world. If at first it sounds jarring, give it a good listen. Maybe you can bring something unique to your music from a faraway place.

Turn Mistakes Into Learning Opportunities

One thing that holds everybody back, musician or otherwise, is focusing on failure. Regret is a terrible thing. When you make a mistake, reflect on it. Think about what went wrong and how you can make it go better next time.

This is especially important with your performances. When you have a bad show, you just want to go somewhere alone and stew about it. You might want to give the whole thing up and get an office job. But, it’s really important not to think about it that way.

Whether you have a good performance or a bad performance, reflect. Think about what went well, and what went badly. What got the most audience response, and what could you maybe skip next time. This is all part of honing our performance skills.

Relax And …

I Love Teamwork – Advantages Of Creating A Great Team

What’s it all about?

What is teamwork? Why is it that a team of people can achieve greater success than an individual working alone? I’d like to try and answer those questions with reference to my own personal experience.

Teamwork is obviously a subject about which many people seek to know more. If you search the Internet for teamwork related resources and a plethora of information turns up for free. Team building activities, teamwork games, team work articles and motivational teamwork quotes being just a few of the resources readily available to the researcher.

To gather my own thoughts I’ve looked back over my own experiences and thought about the best team I’ve ever worked with, I’ve contemplated what made that team great and asked myself the questions: Why did we we all work so well together? Why were we able to achieve greater than the sum of our individual achievements?

It’s made me think about what stops teams from working well too, what prevents them from being a team?

What is it that make a team great?

Here’s a few dictionary definitions:

Team – “two or more persons working together”

Teamwork – “combined action of a team, especially when effective and efficient”.

In my analysis the key words are “working together” and “when effective and efficient”.

You see those two short phrases describe to me exactly what a great team is all about. I’ll give another dictionary definition before I go on:

Team-spirit – the spirit of a group that makes the members want the group to succeed

I agree wholeheartedly with that definition, there’s nothing quite like being a member of a great team, where everyone is working together in harmony, their individual abilities all harnessed into a single focused effort. It’s genuinely very effective, it makes you feel that together you could achieve anything. You probably could too!!

Why can a team be more effective than one person?

Physical laws would tend to suggest that the overall ability of a group can be no more than the sum of the individual team member’s abilities, and could be slightly reduced due to inefficiencies within the grouping. Sadly this is often true for many so called teams, because in truth they are just a group of people suffering from a lack of motivation and individual selfishness, not what I would define as a team. True teams are empowered by team-spirit, the willingness to act as a member of the group rather than as an individual. Individuals empowered by team-spirit benefit from much greater motivation and therefore achieve greater success than they would acting alone. It follows then that a whole group of people empowered by team-spirit will achieve greater things than all of its individuals would alone.

What motivates people to work as a team?

I’ll never forget my first experience of working with a really inspired team , it was awesome! You could actually feel the energy it generated! I was one member of a great team of …

The Importance of Insurance Reviews

Most people reach out to their insurance brokers or underwriters when there is a significant event in their lives that necessitates new or revised risk coverage – perhaps when they purchase a new home or it’s time to trade-in the old car. However, far fewer remember to review their insurance at regular intervals or when more subtle changes to their coverage requirements occur.

Reviewing your insurance regularly helps ensure your coverage is what you expect it to be in the unfortunate circumstance that you need to file a claim. It also aids in making informed decisions regarding coverage and being proactive about minimizing your insurance costs.

There are many different circumstances that could possibly change your coverage requirements and prompt a call to an insurance professional for a review. The examples below identify some of the instances in which you might want to review your coverage:

  • Renovations – If you perform renovations to your house, it is likely that you are also increasing its value. Whether it’s a new kitchen, bathroom, pool, or even expensive landscaping, remember to check your policy limits to ensure they remain adequate in case of an insured loss. If you’ve recently renovated your basement, also note it is quite likely that your water damage insurance needs to be reviewed.
  • You’ve been accumulating possessions – Have you done a home inventory lately? Most people have more personal possessions than they think. Estimating the total value of your contents is vital to helping ensure your limits are adequate.
  • You’ve purchased a high value item – Remember that some of your personal possessions have to be scheduled to be properly covered. Jewellery, antiques, collectibles, wine collections, and art are a few examples of pieces that may require additional coverage.
  • New coverages have become available – The insurance industry frequently adapts to changing market conditions and offers coverage in areas that it has not in the past. For homeowners, insurance for overland water damage and home repair issues (such as broken furnaces) have recently become available from some insurers, in some areas. In addition, legal expense insurance, travel insurance, and pet insurance are available from brokers looking to cover more of your risk and insurance needs.
  • Laws changing to give you more or less choice – Changes to automobile accident benefits mean you should review your choices.
  • You become eligible for additional discounts – Changes in your personal circumstances may affect your eligibility for policy discounts. For example, if you install an alarm system you are likely eligible for a discount on your homeowner policy. If you use snow tires on your vehicle, many insurers offer a discount on your car insurance policy. If you pass the age of 50-55, you may become eligible for mature driver discounts.
  • If you change jobs and have a shorter commute – You should report this to your insurance broker as driving less typically correlates to lower risk and less expensive premiums. If you have a certain job occupation, you may also be

What Kind of Questions to Ask During a Psychic Reading?

Have you ever wondered about some of the more general questions to ask a psychic when in consultation with an intuitive? If you are new to psychic readings and would like a bit of a heads up on some questions that may benefit you during a psychic consultation session then we’ve come up with a good general list for you here.

Feel free to modify these questions with words appropriate to your own personal situation, make them your own as they are just samples of general questions you may wish to utilize at some point. Sometimes it is a good idea to ensure your question is specific enough so that the psychic can tune in more deeply for you, the more specific a question often the more specific the answers that come through from the psychic can be.

You should have your list of questions handy during your psychic reading, it doesn’t matter if you are having a phone, email or face-to-face reading, have your list of questions handy on a piece of paper if you need to, just in case you think you may forget any of them. Remember you are only going to have a specific amount of time with the psychic, so prioritize your questions in order of what’s most important to you at the time too. There’s nothing worse than forgetting your most valuable question/s during a reading and discovering afterwards that you missed it out. This can happen due to the fact that one can get caught up in the excitement of the moment in a reading.

General Questions for Psychic Readings

  • I feel lost and confused, Who am I?
  • What is my purpose in life?
  • I’m not happy. Why? How can I become happy?
  • What are other people’s opinion of me? 
  • Why do I act the way I do?
  • Why do I always find myself in the repetitive situations – over and over again?

Relationship related questions for Psychic Readings

  • Tell me about my future in regards to relationships in general.
  • Tell me about my future with regards to my current romantic relationship.
  • I have met someone that I really like. Do you have any guidance about this?
  • Will I meet someone that I click with fully? When? Tell me about this person if possible.
  • I really like someone. What are their feelings towards me?
  • Someone has recently left me. Can you give me better understanding on this situation?
  • I feel my partner is unhappy in our relationship, Why?
  • I’m unhappy in our relationship, can you help me understand better?

Finance related questions for Psychic Readings 

  • Tell me about my future with regards to finance in general.
  • My financial situation is difficult at the moment. Is this going to change?
  • My financial situation is good at the moment. Is this likely to continue?
  • How can I improve my financial situation for the better?
  • I am thinking of making a major purchase. Any guidance on what will happen here?
  • I am thinking of making a

How to Make More Money As a CNA

The other day a co-worker told me about her salary journey as a CNA. After completing her CNA classes she immediately started to look for a job and was a little shocked to see that the pay rates were surprisingly low. But she was confident and decided that she wanted to be a CNA not primarily because of the salary, but in order to help others and hoped that with more experience her salary would go up. Now it is five years later and her CNA salary has indeed increased, however, not as much she’d have liked. In my opinion, it really is a huge problem for many CNA who put their heart and time into this demanding job and the income doesn’t increase much with time. Therefore, here are four options to help you maximize the money you can make as CNA.

Location, Location, Location

Do you know that the starting pay of a CNA varies widely between different states? According to the U.S. Bureau of Labor Statistics CNA earn an average annual salary of $24,190 or $11.63 per hour (2011 data). However, depending on the state you work in the actual salary could be $23,500 (in Iowa) or $32,000 (in New York) or anywhere in-between. Therefore, if you are mobile and want to travel you stand a good chance to increase your salary as a CNA simply by moving to a different state.

Unfortunately, there is a catch. The cost of living in or near New York is notably higher than the cost of living in Iowa. Thus, although your income can be 35{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} higher in New York, you might end up having less in the bank after rent, taxes and food. However, though they may be an expensive states to live in – who wouldn’t desire to move to New York City or Hawaii?

Consider that if you move to another state, you also have to transfer your CNA license. To do so visit the website of the state’s Nurse’s Aide Registry and find out how you can transfer your license to this state. Alternatively, in case you are still thinking of becoming a CNA and want to explore the United States, You can also move to your preferred state after your initial training and obtain the CNA license there directly. It saves time and money.

Not All Work Settings Are Equal

With a CNA license you can find work in numerous settings. You could start in nursing facilities, community care facilities, hospitals, or possibly even as a home health aide. Depending on the place you go the salary can be quite different.

Nursing Homes

Many certified nursing assistants have told me that the salary in long term care facilities is typically not as high as that in hospitals. The difference is not excessive, but it is there. However, this doesn’t mean you shouldn’t consider working in a nursing home. It is a great place to start your career. In addition, there are other opportunities to raise …

Understanding Max International: Can You Really Make Money With Max International?

Launched in 2007, Max International offers health enhancing products with a patented formulation called MaxGXL. In addition to their products, they offer a business opportunity for those that would like to make a career marketing their products. Anybody can learn how to succeed with marketing, but can you really make money marketing Max International products? Can you become rich, and if so, how rich?

The Thing: Currently Max International offers a total of 9 products all relating to health enhancement. Their products mainly relate to support of all cells in your body by nourishing Glutathione, which protects the nucleus of the cell and is the primary protector of the Immune Cell.

1. MaxOne – This is the most advance Glutathione support supplement they offer. Each bottle providing 60 capsules with instructions to take just two capsules a day. MaxOne gives your body the nutrients it needs to fight oxidative stress and strengthen your cells’ immunity.

2. Max N-Fuze – This product is an Antioxidant Defense. It begins by giving your body advanced cellular defense, strengthens the body’s antioxidant defense, supports glutathione functioning, and gives your body other vitamins and nutrients such as Vitamin A and Vitamin B.

3. MaxATP – Designed to be the ultimate energizing glutathione supporter of all their products, served as a drink. MaxATP, replenishes energy reserves and helps fight fatigue, builds ATP in your heart and muscles, and increases vitality.

The Opportunity: Max International seems to have a good line of products to offer, but is their income business opportunity worth your time? Can you really make money through Max International affiliate marketing. They currently offer 9 ways you could get paid marketing their products including Retail Profits, Preferred Customer Bonus, FastTrack Bonus, Double FastTrack Bonus, Team Bonus, Unlimited Seven-Level Matching Check Bonus, Platinum and Diamond Leadership Pool, Global Bonus Pool, and Max Living Bonus. For most companies, multiple ways of getting paid is a great sign of a very lucrative business opportunity. We’ll discuss a few to see if the cash is there.

1. Retail Profits – This way of getting paid is pretty basic and usually comes with all affiliate companies such as Max International, in which gives members the ability to market their products and keep the remainder as personal profit. You are able to buy product as a lower cost, sell them for a higher cost, and keep the remainder. For example: If you buy Max N-Fuze for $15 a bottle, re-sell it for $35 a bottle, you keep $20 personal profit.

2. FastTrack Bonus – In order to get started in this company(we’ll discuss more later) you have to purchase some type of Product Pack. However, you can also earn money by referring a member into the business in your team. By doing this, that member has to purchase a Product Pack as well, allowing you to qualify for weekly FastTrack Commissions.

3. Max Living Bonus – To my understanding, in order to qualify for this Bonus you must achieve all …