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currently enjoys a booming economy and record low unemployment rates, professionals should still prepare for the next recession by earning certifications or advanced degrees. Certified fraud examiners can protect themselves against economic downturns and layoffs by possessing an advanced skill set that employers value. Set Yourself Apart: Human resources professionals can review hundreds of resumes each day. They spend only a few seconds on each resume, looking for qualifications and experience. If you become a certified fraud examiner, prospective employers should take a closer look at your resume, raising your chances of gaining the position. Shorten Your Job Hunt: For many, job hunting takes as much time as a full time career. As a result, many people dip into their savings to sustain themselves during their job hunts. With a certification, you can start a job faster than your peers and not use up your valuable savings. Meet Job Requirements: As more agencies hire certified fraud examiners, they recognize what these talented professionals bring to their organizations. Many agencies now accept applications only from CFE certified professionals. By earning this important certification, you can apply to more positions, many of which boast higher starting salaries and promotion potential.

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But despite the lefty craziness and standard media affair with such, even the protesters arent 99 percent wrong. A web page devoted to horror stories of people trying to make it in a tough economy has far more impact than anything a bunch of protesters can manage. One man is unemployed, uninsured and battling cancer. Another is the parent of a young girl who wants a puppy but they have been unemployed for three years and cant afford it. No human could be unmoved by such agony, such fear. Even there, though, the protests fall short. Mixed among the true hardship cases are people who voluntarily took on too much college debt. Young adults struggling with $30,000, $50,000 or more than $100,000 in student loans and surprised theyre hard to pay off. And, of course, the occasional guilt ridden lib who makes three times the median income but feels bad because he or she had parents who could afford to send me to really good schools. My heart aches. Thats the crux of the problem with Occupy Wall Street.

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Perceptions of unreliability likely arose out of concerns with single rater marking Uysal, 2009. Yet data from IELTS examiner certification indicates a coefficient alpha of 0. 830. 86 for Speaking and 0. 810. 89 for Writing IELTS, 2018, relatively high correlations for productive skills tests sampling candidates general proficiency. Likely accentuating perceptions of unreliability is the lack of detailed feedback on performance in Speaking and Writing Hamid and Hoang, 2018; Pearson, 2019, making it difficult for candidates to identify what went right and wrong and how to close gaps in performance. While both online and printed test preparation materials often provide textual models for learners to compare with their own rehearsal compositions, an absence of research means it is far from clear whether prospective test takers are able to utilise these to enhance their band scores. Underlying this behaviour were perceptions that are represented in four key themes, the most prevalent of which was poor or lack of preparation 40%. One candidate reflected on not undertaking preparatory tasks in conditions that simulated the test, a typical activity type in IELTS preparation classes Hawkey, 2006; Hayes and Read, 2008: "During my preparation, I did not put myself under exam conditions, so I really struggled in reading and writing to keep to the time". It was also evinced that a lack of preparation arose out of a deliberate decision to undertake IELTS for diagnostic purposes:I did not prepare for the IELTS test. I just took it to check my English level. Now I would like to know how much time I need to prepare and get a good score. For this candidate, a diagnostic IELTS test was carried out in order to establish a benchmark to guide the focus and intensity of preparation. For others, the purpose appeared to be for confidence building: "This was my IELTS results in first attempt. Its not satisfactory but without preparation its not bad either. Feeling motivated to start preparing". This approach is likely limited to those test takers with the financial means and willingness to invest more heavily in undertaking IELTS, known to be an expensive test to undertake globally Pearson, 2019; Templer, 2004. Affective responses to the test items and settings were perceived as responsible for undermining performance by seven candidates. Perhaps unsurprisingly, the most common of these reactions was anxiety, with one candidate noting: "I got so nervous during the speaking test. I know I could have done so much better". Previous studies have noted that undertaking IELTS can induce potentially debilitative anxiety in some candidates Estaji and Tajeddin, 2012; Hamid and Hoang, 2018; Issitt, 2008. This may be particularly prevalent in the Speaking test, where there is pressure to perform in an intimidating face to face encounter with the examiner Issitt, 2008. For another test taker, the prospect of undertaking IELTS was sufficiently anxiety inducing that it interfered with their ability to properly sleep prior to the test: "I was exhausted when I did the exam cos I did not sleep well for 2 days before the exam". It is evident that the high stakes nature of IELTS is the principle contributing factor to inducing feelings of stress and nerves, which can overcome some candidates. Other contributory factors that elevate the pressure to perform include the cost of the test borne by the candidate, which may prohibit repeated attempts, and the time and financial resources involved in travel to the test venue perhaps requiring an overnight stay in a hotel as the Speaking test may be held on a different day. Seven candidates who shared their test scores included reflections on the difficulties they experienced in the test which they perceived as contributing to underperformance. Interestingly, all but one instances of perceived difficulties concerned Reading. One candidate attributed test failure to a lack of preparation, stating: "Didnt get enough practice, especially in reading. The texts were unfamiliar, and I did not get to finish the questions". The pressure of only 60 min allocated to complete the Reading test was referenced by two individuals, with one noting, "I could not read the final passage so I had to guess half the questions".

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