MCAT Scores #mcat, #mcat #scores, #mcat #test #scores, #mcat #test #scores #average,


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MCAT Test Scores
and Medical School Requirements

New MCAT scoring and GPAs required by US medical schools and Canadian medical schools are provided in this website. To guide you in your journey to medical school, this page will provide you with helpful information such as new MCAT test scores range (good, high and highest scores), scores percentiles, your chance of medical school admission, and advice on how to attain a high MCAT score.

How the new MCAT is scored

The MCAT (Medical College Admission Test) is a prerequisite for admission to nearly all the medical schools in North America. This is administered by the Association of American Medical Colleges (AAMC) in hundreds of testing centers in the United States, Canada and around the world.

In 2015, over 64,000 premed applicants to American and Canadian medical schools submitted their MCAT test results. While the actual weight given to MCAT scores in the admissions process varies from school to school, often they are regarded in a similar manner to your premed GPA (i.e. your academic standing).

The MCAT has four sections, namely; (1) Biological and Biochemical Foundations of Living Systems; (2) Chemical and Physical Foundations of Biological Systems; (3) Psychological, Social, and Biological Foundations of Behavior; and (4) Critical Analysis and Reasoning Skills.

Each section is scored from a low of 118 to a high of 132 while the midpoint is 125. The total score results from a combination of the four sections’ scores. Total score range is from 472 to 528, with a midpoint of 500.

The MCAT score report that you will receive would reflect the scores’ percentiles, confidence bands that show your true score range, and score profiles that reflect your strengths and weaknesses. For your guide on new MCAT scores, click here: MCAT Score Report .

MCAT scores are released 30 to 35 days after the exam. Click here: MCAT Score Reporting System

Average MCAT Test Scores

To look at average MCAT scores and GPA, click here: US Medical Schools MCAT Scores and Canadian Medical Schools MCAT Scores

Note: ‘Average MCAT score’ refers to the average of students who were accepted to medical school. Apart from your MCAT score, your GPA and non-academic factors like your personal statement and/or autobiographical material, letters of reference, and the medical school interview influence your chance of getting accepted to medical school.

* The percentage of students whose scores were lower than yours. Percentile ranks are not used as criteria for medical school admissions. The scaled score is what matters for medical school admissions. Every year, the AAMC releases MCAT score percentiles which gives exam takers an idea on how they fared compared to others who took the exam. For MCAT scores percentiles for past MCAT test dates, click here: MCAT Research and Data

Old and New MCAT Scores Accepted by Medical Schools

MCAT scores that date back two or three years are accepted by most medical schools. Although the MCAT has changed in 2015, some medical schools will accept the old MCAT scores until the 2018 application cycle, while some require the new MCAT score for the 2017 application cycle. For a list of medical schools and their acceptance policy, click here: MCAT exam policy .

To know your chances of getting accepted to medical school, click here: Medical School Admissions Calculator

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Minnesota State – Career and Technical Education #minnesota, #msu, #university, #midwest, #twin


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We want to know you!

Minnesota State is working to improve our website and add new features to better serve you, but we can’t do that without you!

So we’re conducting a brief survey to get to know more about you and the reasons you are checking out. If you are interested in participating in our survey, the survey should only take about 5 minutes and your responses are completely confidential. You will be given the option to participate in further studies or you can choose to stay anonymous.

(To view this survey, pop-ups must be allowed from this page. )

” data-content=”Privacy Policy. ” data-placement=”right” > Read more about our privacy policy

Thank you!

No thanks. Yes, take me to the survey!

Career and Technical Education

Quick Links

Welcome to Career and Technical Education (CTE) at Minnesota State. We partner closely with the Office of College and Career Success at the Minnesota Department of Education to prepare students to enter high skill, high wage or high demand employment in Minnesota.

What’s new?

  • The 2017 CTE Works! Summit Call for Proposals is Open
    Get full details on how to submit your conference proposal and register at cteworksminnesota.org .
  • Consortium Perkins Plan Opens March 1st
    Consortium leaders will submit their plan on WebGrants
  • CTE Student Success Infographic Released (January 2017 Edition)
    This CTE Student Success infographic is a collaboration between Minnesota State and Minnesota Department of Education.
  • The iSPEAK CTE Blog
    We invite you to peruse our blog on all things related to career trends, the future job market, and higher education in Minnesota.

What’s New?

Toll-free: 800-456-8519
International: +1-651-5560596
MN Relay: 800-627-3529


Epi-LASIK Eye Surgery – How Epi-LASIK Works, and What To Expect #lasik


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Epi-LASIK Eye Surgery: How It Works

Epi-LASIK is a laser vision correction procedure that is very similar to LASIK and LASEK. and may be a good alternative to these procedures for certain eyes.


In epi-LASIK, the flap created on the cornea is thinner than a LASIK flap. This can be an advantage for patients with thinner-than-normal corneas.

The epi-LASIK flap is very similar to the thin flap created in LASEK surgery. In both procedures, the flap contains only cells from the very thin outer layer of the cornea, called the epithelium.

The difference is how the epi-LASIK and LASEK flaps are produced.

A LASEK flap is created with a tool that has a sharp blade. In epi-LASIK, the flap is separated from the underlying corneal layer (the stroma) with an instrument called an epithelial separator that has an oscillating plastic blade that has a thin blunt edge.

And unlike in LASEK, an alcohol solution typically is not applied to the eye in epi-LASIK to loosen epithelial cells from the underlying corneal stroma. Some surgeons prefer epi-LASIK over LASEK for this reason, since alcohol is toxic to epithelial cells and can increase healing time after the procedure.

After the epi-LASIK flap is created, it is folded back and the underlying central stroma is reshaped with an excimer laser steps identical to those performed in LASIK.

Because the epi-LASIK flap is so thin, the surgeon typically will apply a soft contact lens over the flap when it is repositioned after the laser treatment. The contact lens acts as a bandage to increase comfort and allow new epithelial cells to grow onto the cornea more quickly for faster healing.

Your surgeon or eye doctor will remove the bandage contact lens at one of your early follow-up visits a few days after your epi-LASIK procedure.

After Epi-LASIK

Your vision probably will not be perfect immediately: In three days many patients do have 20/40 or even 20/20 vision. but others take longer possibly three or six months to reach their final result. Usually you can drive within a week after surgery.

These recovery times are significantly longer than with LASIK, which usually allows people to achieve good vision from the same day up to a few weeks later and to drive by the day after surgery.

myopia, hyperopia and/or astigmatism, ineligible for LASIK

  • Procedure time: about 10 minutes per eye
  • Typical results: 20/20 vision without glasses or contact lenses
  • Recovery time: several days to several months for vision to stabilize
  • Cost: about $1,500 to $2,500 per eye

As with any laser eye surgery. after Epi-LASIK it is very important to follow your surgeon’s instructions exactly, because the quality of the final vision you achieve is affected by how well your corneas heal. Don’t neglect to use the eye drops or other medications your doctor prescribes, and don’t miss any follow-up appointments.

Who Can Have Epi-LASIK

If you are considering LASIK, but your doctor says you need Epi-LASIK instead, ask why.

It’s not for everyone, but many surgeons who perform Epi-LASIK consider it a better option than LASIK for some patients. These include people who have thin corneas, with insufficient tissue for a good LASIK flap.

Epi-LASIK also may be safer than LASIK for people who have professions or hobbies that increase the chance of being hit in the eye (such as soldiers, police officers, boxers and racquet sports enthusiasts) because there’s no risk of the flap being dislodged.

If you have Epi-LASIK, you will likely experience some discomfort after the procedure. This is usually manageable with over-the-counter painkillers. The discomfort after Epi-LASIK is reportedly less than that experienced after PRK or LASEK.


[Page updated September 2016]

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Orange County Employees Rights Attorneys #call #(877) #529-4545, #employment #law #team #is


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CALIFORNIA EMPLOYEES’ RIGHTS ATTORNEYS

Why Should You Choose The Employment Law Team ?

Issues related to labor laws and rights of employees and duties of employers have been front page news in California and other states for the past few years. The internet is inundated with articles about large judgments against major corporations due to not following up state and/or federal laws that pertain to employees. A major reason for these large verdicts is the fact that federal and state laws that deal with many aspects of employer-employer relations are less than clear. Another reason is the sensitive and emotional nature of terminating an employee’s tenure which can in many situations turn into a heated battle. The Orange County employees’ rights attorneys at the Employment Law Team have dealt with many employment law matters and our expertise ranges from drafting and negotiating employment contracts, to advising employers on their statutory and common law obligations such as issues related to age discrimination, violation of FEHA, assisting employers conduct pre-litigation investigation and representing employees who have been denied their rights or mistreated by their employers. Representing both sides of the aisle our Orange County employment attorneys bring a wealth of experience to our clients and have been able to turn that experience and knowledge in judgments and settlements which have kept our clients happy for many years.

The following are some of the areas of employment and labor law that we can assist our clients in:

Drafting and negotiating employment agreements.

Non-Solidification and non-disclosure agreements.

Advising our clients on overtime laws (i.e. exempt non-exempt issues) under both California and Federal laws (i.e. FLSA, Labor Code, etc.)





Occupational Therapist Salaries by education, experience, location and more #occupational #therapist #schools


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Occupational Therapist Salaries

Alternate Job Titles: Occupational Therapist

  • What is the average annual salary for Occupational Therapist?

    How much does a Occupational Therapist make? The median annual Occupational Therapist salary is $82,628. as of May 30, 2017, with a range usually between $75,685 – $90,027. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Occupational Therapist in the United States.

    This chart describes the expected percentage of people who perform the job of Occupational Therapist in the United States that make less than that annual salary. For example the median expected annual pay for a typical Occupational Therapist in the United States is $82,628, so 50% of the people who perform the job of Occupational Therapist in the United States are expected to make less than $82,628.

    Source: HR Reported data as of May 30, 2017

    • About this chart

      This chart describes the expected percentage of people who perform the job of Occupational Therapist that make less than that salary. For example 50% of the people who perform the job of Occupational Therapist are expected to make less than the median.
      Source: HR Reported data as of June 2017

      Plans and conducts individualized occupational therapy programs to help patients develop, regain, or maintain their ability to perform daily activities. Teaches patients skills/techniques and how to use adaptive equipment for participating in activities. Studies, evaluates, and records patients activities and progress. Requires a bachelor s degree and is certified as a occupational therapist. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. A certain degree of creativity and latitude is required. Typically reports to a manager. View full job description


Types of Service – Honeywell Intrusion and Communications #burglar #alarm, #burglary, #home


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Types of Service

The AlarmNet network’s reliability is assured with a state of the art network control center that houses dedicated communication services and hardware platforms. Hardware servers and communication paths are completely redundant, with hot back-up databases housed in two separate locations. If one system were to have a catastrophic event, the other system can take over without any service interruption. Both locations are equipped with battery and generator backup along with technical support 24 hours-a-day, seven days-a-week for uninterrupted service. This level of sophistication allows us to handle alarm communication for UL listed and critical high-line security installations.

Network Architecture

In the AlarmNet architecture, although each of the networks are independent of one another, subscriber radios and Internet transmitters may send messages from one network and be received at nearly any central station location in North America over another technology. The AlarmNet Network Control Center (NCC) accomplishes this integration. This design offers the following important benefits:

1. Integration of Multiple Networks

One of the fundamental principles behind AlarmNet is the integration of different network types. In the AlarmNet architecture, member central stations are equipped with AlarmNet wireless or Internet receiving equipment or both. This equipment communicates directly with the AlarmNet network. Depending on its needs at installation at the protected premise, an installer may choose to use any of the available types of subscriber radios or Internet transmitters, whichever works best for that installation. Although each of the different products may report through a different network, the central station does not need to incur the costs of time, money, or labor to operate, maintain, and integrate all of these networks.

When a central station signs up with AlarmNet, it establishes a network connection scheme between the central station and AlarmNet and as a result gains access to any of its customers at the protected premise through that scheme and the interaction of AlarmNet.

2. Learn One, Know Them All

All of the different subscriber devices used for the different network services have a similar look and feel. The same programming tool is used for most of the devices. All signals are delivered to the central station in a uniform, familiar reporting format. This assures that the central station can receive signals from any type of AlarmNet subscriber; past, present, or future. Once equipped to receive alarm messages from the AlarmNet network, the central station can provide network services to any subscriber without additional expense.

3. Supervision and Speed of Delivery

AlarmNet radios and transmitters are supervised on a regular basis. The supervision is performed automatically, and is transparent to the central station. The AlarmNet network communicates with all AlarmNet devices on a regular basis, assuring that they are operational. The AlarmNet network reports to the central station only when there is a problem. The central station does not need to worry about supervision or maintenance of the network, since the network performs these functions automatically. The central station only receives the signals it needs: actual alarm or trouble messages. When the network receives an alarm, it automatically and immediately forwards the signal to the appropriate central station. The AlarmNet transmission generally will reach the central station before the traditional dialer-based signal, in cases where an AlarmNet device and the digital dialer both send signals.

4. Secure, Redundant, Wireless Protection

Not all competitive wireless subscriber services offered in the market are wireless at both ends. For example, due to the design of the cellular network, competing cellular services deliver signals to the central station over the regular switched telephone network. In these cases, the communications integrity of the central station (and all premises protected by that central station) is vulnerable to the same weaknesses as any landline-dependent customer (line cut, service outages, and natural disasters). Limited services such as these protect only a portion of the communications chain. Standard AlarmNet wireless delivery, however, assures an end-to-end wireless system that provides redundancy, supervision, and verification of message delivery. It only makes sense that the central station should use wireless communications to maintain the same level of security and performance in its communications infrastructure as it does at the protected premises.

In order to maintain a redundant, invulnerable link to subscribers using wireline-terminated networks, a service provider must maintain at least two physically distinct and independent connections to every network type. AlarmNet maintains such connections at every level, saving the central station the expense and complexity of maintaining such an elaborate communications infrastructure. AlarmNet’s connection to the central station also has two layers of redundancy: every central station is equipped with a primary and backup transceiver.


Bond coupon #hsbc #bonds, #bonds, #what #are #bonds, #wide #range #of #bonds,


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Bonds

Discover a gateway to earning steady returns among our wide range of bonds. Investors who are looking for regular and stable interest income can find suitable options according to their risk profiles and needs.

What are bonds?

Bonds are issued by governments, companies and other bodies seeking to raise capital from the public. When you purchase bonds, you are essentially lending money to the bond issuer. Therefore, you are likely to receive a steady stream of coupon payments (also known as interest payments) at periodic intervals throughout the tenure of the bond. The amount you receive each time is expressed as a percentage of the face value of the bond. At the end of the bond’s tenure (when the bond reaches maturity), you would be paid 100 percent of the bond’s face value. For bonds that do not offer coupon payments (zero-coupon bonds), they are priced at a discounted rate from their face value. When the bond reaches maturity, you will receive the face value of the bond, along with the accumulated interest.

Do note that a bond’s yield is dependent on the credit quality of the bond issuer. The top quality bonds are usually issued by the government, followed by bonds from government-linked companies, banks and corporations. However, you should also take the country’s economic stature and stability into consideration. For example, an emerging market government bond may not necessarily be safer than a well-rated corporate bond.

Why invest in bonds?

Stable interest income

Bonds provide investors with regular and stable interest income in return for funds provided to the issuer.

Bond prices can change and may provide investors with a capital gain.This can be caused by changes in the market interest rate and the credit reputation of the issuer.

Currency exchange gain

Investors may enjoy a gain if the currency the bonds are purchased in appreciates.

Types of bonds offered by HSBC

We offer a variety of bonds to serve different needs, investment strategies and risk profiles. This is also useful for diversifying a portfolio as different types of bonds will respond differently to each market cycle.

Like any other investment, bonds may be affected by conditions such as market fluctuations, inflation and exchange rate movements.

Interest rate risk

The coupon rate of a bond may be fixed or floating, and the coupon rates of new bonds being issued can have an effect on the value of current bonds. It is important to note that the interest rate risk increases proportionately with the length of bond maturity.

Inflation risk

Investment-grade bonds may offer lower coupon rates as they carry lower risk. As coupon rates are fixed, income from the bond is affected by inflation over time, with greater inflation risks over a longer term.

Currency risk

Exchange rate movements may cause changes in returns for bonds that are denominated in foreign currencies.

Risk of issuer default

If an issuer fails to make income and principal repayments due to financial difficulties, bondholders run the risk of losing their capital. Default risks tend to be higher for corporate bonds, although governments can also default.

Key considerations

Bonds offer different coupon rates, risks, payout and maturity options. It is important to choose one that best matches your investment objectives and risk profile.

Coupon rate

Income from bonds can be fixed or floating, and the payments may be made periodically or at maturity. Most debt securities carry a coupon rate that is fixed as a percentage of the principal amount, with investors receiving payments quarterly, semi-annually or annually.

Credit quality

Assessed by credit rating agencies, credit quality reflects the abiity of a bond issuer to repay its debts. Investment-grade bonds have ratings from AAA to BBB, and usually offer lower coupon rates because default risk is lower. Higher coupon rates are usually offered with lower credit quality.

Maturity

A bond reaches maturity at the specific future date when the investor’s principal will be repaid. A greater length of time to maturity is usually proportional with a higher coupon rate.

Price

Bond prices are influenced by coupon rate, maturity, credit quality and interest rate movements. Bond prices tend to rise when interest rates are low and vice versa. Bonds can be sold at a premium when market price is above face value, and at a discount when traded below face value.

Time of investment

Bonds are mainly for medium to long-term investment. Investors should be prepared to commit for the full investment tenor as part or all of the investment could be lost if sold before maturity.

This document is provided for information only and is not intended as an offer to buy or sell securities. Opinions and estimates expressed are subject to change without notice and HSBC expressly disclaims any and all liability for representation or warranties, expressed or implied, contained herein or for omissions. As this document is circulated to all clients, the specific investment objectives, personal situation and particular needs of any specific person have not been taken into consideration. HSBC does not but may from time to time have an interest in the securities and may hold long or short positions for its own account or those of its clients.
The price of bonds can and does fluctuate, and any individual bond may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. The holder of the bonds bears the credit risk of the issuer and has no recourse to HSBC unless the latter is the issuer itself. The decision to place the investment should be based on your own judgement without relying on any material provided or advice given by the bank or its representative.

You may also be interested in.

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Risk Profiling Questionnaire

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Managing and Growing Wealth

Discover financial opportunities that will help you manage and potentially grow your wealth.

What types of bond are available through HSBC?

Bonds from HSBC can be categorised by:

  • Types of issuers – corporate bonds, supranational bonds and government/quasi-government bonds
  • Coupon – fixed rate bonds, floating rate bonds and zero-coupon bonds
  • Credit quality – investment grade bonds
  • Currency – USD, AUD, CAD, CNH, EUR, GBP, NZD and SGD

HSBC offers you a wide selection of investment grade bonds with tenors ranging from 1 to 30 years.

Do I need a large sum of money to invest in bonds?

HSBC lets you invest in a wide range of bonds with a minimum investment amount of SGD200,000++.

++ Please note the minimum and incremental investment amount varies from bond to bond. Please consult us for more details.
Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.

Do I have to hold bonds until maturity?

No. You can sell your bond before it matures and benefit from capital appreciation if the selling price is higher than the original buying price. Under normal market circumstances, HSBC will repurchase bonds bought through us at the prevailing market price. However, the buying price offered by HSBC may differ from the original selling price due to changes in market conditions. There are no exit fees if you choose to sell your bond before maturity

Example:

Assume you purchase a 5-year bond at a face value (the principal) of $10,000 and a specified annual rate (coupon rate) of 6%.

You will receive $600 (6% of the principal) per year for five years. Upon maturity, you will get your principal of $10,000 back.