Faking Personality TestsFor years, many experts thought personality testing was not relevant to the field of personnel psychology. Then, the development of the big five personality model and well-conducted validation studies changed the perceptions of many personnel psychologists. Many are still concerned about the possibility of applicants faking personality tests. For example, applicants who have been laid off for more than a year may be under a lot of pressure to find a job before their unemployment benefits run out (McFarland & Ryan, 2000). As a result, they may attempt to fake their responses on a personality test in order to increase their chances of being hired. Although literature has shown that applicants may attempt to fake on personality tests for a variety reasons, it has been harder to prove if indeed it is possible.For this Discussion, review this week’s Learning Resources and the interactive media, “Personality Testing.” Consider if applicants can fake personality tests. Additionally, you explore the consequences of faking personality tests.Reference:"Personality Testing"https://mym.cdn.laureate-media.com/2dett4d/Walden/...https://mym.cdn.laureate-media.com/2dett4d/Walden/PSYC/8754/11/index.htmlTranscript for "Personality Testing"https://class.waldenu.edu/bbcswebdav/institution/U...https://class.waldenu.edu/bbcswebdav/institution/USW1/201830_27/PH_PSYC/PSYC_8754_PSYC_6754/artifacts/PSYC_8754_Week11_Transcript.htmMcFarland, L. A., & Ryan, A. M. (2000). Variance in faking across noncognitive measures. Journal of Applied Psychology, 85(5), 812–821.With these thoughts in mind:Post by Day 4 an explanation of the costs and benefits of personality tests compared to other quantitative predictors that a personnel consultant may have considered using in the employment context. Explain two potential consequences of faking a personality test. Finally, explain whether or not you consider faking personality tests to be a serious problem and why.Your post should be three paragraphs. Be sure to support your postings and responses with specific references to the current topic. APA Format.

Section 1: Your Top 3 Reasons to Plan financially. Choose your top 3 of Edelman's "The 12 Reasons to Plan" and describe why these three are most important to you.  Additionally, explain how you will incorporate these three reasons into your personal financial plan.   Incorporate your knowledge of investments and compounding as well as some of Schor's principles for avoiding consumerism and unnecessary purchases.  500 word minimum Section 2: Your Top 3 Obstacles. What do you see as your 3 main obstacles for building wealth?  These are purely personal, although you can refer to Edelman's obstacles for ideas.  The goal here is your personal introspection as to your likely future hurdles to overcome.  Following up on those obstacles, address them directly in your financial plan, meaning how will you mitigate, or lessen, the potential impact of these obstacles.  500 word minimum Section 3: What if? Choose one of these three financial difficulties and, using your imagination and creativity, write a narrative on how you would cope with your chosen difficulty.   Loss of a Spouse/Divorce:  You must construct and describe a realistic plan of action for the financial challenges currently confronting a parent of two, ages 5 and 3, in his/her early 30’s trying to regain or maintain financial independence.  You are not responsible for solving any financial problems, just for identifying the potential problems and offering solutions for coping with these problems both in the short run and long run. Natural Disaster:  You must construct and describe a realistic solution to the financial problems currently confronting your family of three, you, your partner and a 9 year old child, struggling to reconstruct your life after losing everything in a devastating natural disaster such as a flood or wildfire. You are not responsible for solving any financial problems, just for identifying the potential problems and offering solutions for coping with these problems both in the short run and long run. Caring for a Family Member Unexpectedly:  You must construct and describe a realistic and sensible solution to the problems currently confronting your family of three, you, your partner and a 9 year old child.  You are the sole surviving relatives of a family member who is unexpectedly in need of care, both financial and residential, for the next five years.  You are not responsible for solving any financial problems, just for identifying the potential problems and offering solutions for coping with these problems both in the short run and long run. 750 word minimum Rubric Financial Literacy Project Financial Literacy Project