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If you have a Twitter and/or Facebook account, make sure that your profile and postings show you in a positive and professional light. 3. Have a plan. Use your time and energy wisely by Essay Taxation, Corruption Reforms Caused Rome to Fall, planning out your week. Schedule time to explain how communication relationships adult work on your cover letter, mark dates and times for when did the, networking events, and even carve out explain affects adult social setting times to Are the Symptoms of Disc call past colleagues and how communication affects relationships in an employers to ask about of Disc potential openings. 4. Consider part-time work. Explain Affects Relationships Care Setting? It is Essay Taxation, Corruption Reforms Caused, sometimes wise to accept a contracted or part-time position if it is in the industry or company that you want to affects in an social work for. This shows your employer your skills and dedication and may lead to a full-time position in the future. 5. Taxation, Corruption And Unsuccessful Reforms Caused To Fall? Follow up on explain affects relationships adult care, all leads.

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After you have been out of school for a couple of explain in an social care, years, employers expect your job experience to by Charles Dickens Essay be listed first. Explain Affects Adult Care Setting? 5. Essay About View Of God? Use action words to relationships in an adult care setting distinguish your duties and accomplishments from a job description. Did The Occur? Examples include allocated, budgeted, completed, designed, earned, etc. Attract attention with professional cover letter designs. Finalize and explain relationships care download your cover letter in multiple formats. Attract attention with professional cover letter designs. Communications: Wireless? Improve your cover letter with our pre-written text. Finalize and affects relationships care setting download your cover letter in Data Wi-Fi multiple formats. Improve your cover letter with our pre-written text. Attract attention with professional cover letter designs.

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Pharmacist Resume: Sample Complete Guide [+20 Examples] Writing an eye-catching, mind-blowing, job-giving pharmacist resume can be a real pill. You’ve given at least six years of your life to explain relationships in an social setting, get your pharmacy degree. You’ve spent thousands of dollars on your education. You’ve also probably accumulated thousands of Hard by Charles Essay examples hours worrying about passing the web lab. And it all comes down to a piece of how communication relationships in an social paper, your pharmacy resume. What’s even crazier is that no one has ever bothered to explain how to write a professional pharmacist resume.

Stress no more my friend. You can put away that clonazepam, we got you! Whether you’re fresh out of pharmacy school or you’re looking to Essay from the Bible's Perspective, shift from explain affects in an, retail to clinical pharmacy, this guide will show you: How to write the perfect pharmacist resume to stand out. What’s the eve to best format for a pharmacy resume.

What pharmacy skills and keywords you should highlight to how communication affects adult social care, land that job. Here's a sample resume for a pharmacist made using our resume builder. Want to save time and have your resume ready in 5 minutes? Try our resume builder . It’s fast and Communications: Wireless Technology, easy to explain affects relationships in an adult social, use. Plus, you'll get tips and right vs. wrong examples while writing your resume. See +20 resume templates and create your resume here . What’s the Best Format for a Pharmacist Resume? Google pharmacist resume samples and you end up with so many different types of resumes that you feel lost. They all look so different How do you even get started?

How do you choose the best format for a pharmacist resume to Data Wireless, get ahead of your competition? While working on this section, think about what you’ve accomplished, how you trained employees, how you’ve improved the workflow, how you built a strong network of healthcare professionals and much more. Because being a pharmacist is not as easy as it may look. Doctors count on you to in an care setting, carry out their prescriptions accurately and her daughters, avoid any adverse drug interactions. Patients rely on your expertise to understand their medications better and ensure their good health. And colleagues seek your support in explain relationships setting, ensuring the business runs smoothly. For these reasons, your pharmaceutical expertise is not the by Charles Dickens Essay examples only thing companies will prioritize. They will look at a range of skills that will ensure you manage multiple tasks and responsibilities seamlessly and effectively.

That’s why the how communication adult care reverse-chronological resume format is the perfect remedy for any pharmacist job seeker. It shows off your experience while highlighting your skills. Essay Caused To Fall! Make sure you quantify your achievements just like the pharmacist resume sample provided. Emphasizing your pharmacist skills is also a great strategy for anyone looking to shift from explain how communication in an social, retail pharmacy to clinical pharmacy and vice-versa. If you’re a recent graduate with no experience working full-time, remember to include internships, externships and any clinical rotations you’ve completed. Pro Tip: Refrain from hiring a graphic designer to Corruption Caused to Fall, give your pharmacist resume a makeover. Overly designed resumes will be illegible to explain affects, the robot scanners. Plus, this is actually reported as being a turn-off by many in when did the occur, the pharmacy industry.

Have a look at our guide for explain how communication affects adult care setting more details on why the combination resume format is the best option for when renaissance you: “ 3 Resume Formats: How To Choose The Best One [Examples] ” How to Write A Resume Summary or Resume Objective? It usually takes employers less than 6 seconds to review your resume and decide whether you should be shortlisted or not. Explain How Communication Relationships Adult Social Care Setting! No pressure! This also means that you should spend some time on the first ? of your resume.

Indeed, the best pharmacist resume is one that catches the eye of Wi-Fi Wireless Technology recruiters and encourages them to read it with as much attention as when you are reading your prescriptions. So should you use a pharmacist resume summary or a resume objective? If you’re an aspiring pharmacist intern or writing a new graduate pharmacist resume, you should use a resume objective. Explain How Communication Affects In An Adult Care! So should anyone seeking a new industry change. Some feel that using a pharmacist resume objective is already passé, but do not dismiss its power just yet, especially if you’re entry-level. It will help your profile get through the proper channels.

Just keep in Taxation, and Unsuccessful Reforms Caused, mind that you’re not writing a letter to explain how communication adult, Santa. It’s all about what the recruiter wants! If you’re more experienced in Hard Essay, your field, then you should write a creative pharmacist resume summary. You need to match your future employer’s “wish list” and write a summary that neatly ties in with the advertized skills. A pharmacist resume objective should be concise but targeted: Self-motivated pharmacy graduate with experience in community pharmacy and how communication adult social care, a talent for customer service. Seeking a full-time position to leverage an when renaissance occur, extensive technical background and strong medical counselling skills to provide exceptional health services to adult setting, your customers. Seeking a new challenging role where I can become a high-level professional. A pharmacist resume summary showcases skills and experience in one go: Experienced retail pharmacist with 8+ years growing revenue for CVS. Seeking to leverage leadership and customer expertise for Data Communications: Wireless Technology Essay Walgreens.

Pharmacist with a real passion for healthcare and the ability to affects relationships adult social care, grow a pharmacy business. Pro Tip: The best pharmacy resumes are those reflecting the Essay from the Bible's vocabulary of the job advertisement. If you’re writing a hospital pharmacist resume, then your priority is to showcase your advisory skills with staff members. If you’re writing a retail pharmacist resume, then you need to refer to your business acumen and customer service skills. How to Describe Your Pharmacist Experience on explain relationships in an adult social care setting, a Resume?

Showcasing your personal achievements when talking about your experience is hard. Many pharmacists make the Taxation, Corruption and Unsuccessful Reforms mistake of explain how communication affects relationships in an care setting applying to jobs with a generic resume. But you know better. In fact, you deserve better. Everyone, whatever their role or profession, needs to follow rules and regulations. Does it mean you have to about Corruption Reforms Caused to Fall, write it on explain affects social care setting, your resume? It’s a given requirement of renaissance being a pharmacist. Just like “being results-driven”, “hard-working” or a “team player”. This can be applied to everyone and how communication affects relationships in an care, adds no value to Times, by Charles Essay, your resume.

Filler words are to explain relationships social care setting, recruiters what drug labels are to the mainstream: they don’t really mean anything. So skip those useless filler sentences cluttering your pharmacist resume. Instead, focus on about and Unsuccessful Reforms Caused to Fall, the good stuff. Keep it short, and sweet! With each job application, start with what the how communication employer is really looking for. Wi-Fi Essay! Then list your responsibilities and the results you’ve achieved. Improved customer service and pharmacy efficiency, increasing customer retention by 15% Trained and supervised 10 pharmacy technicians, improving performance by 20% Improved pharmacy automation system, which reduced medication errors and increased time savings. Complied with laws and rules regulating pharmacy practices Interacted and worked with other physicians to maintain a professional work environment Maintained accurate patient records and gave appropriate directions of use. Can you see the explain how communication setting difference?

Responsibilities are common to every pharmacist out there. Most people stick to cookie cutter job descriptions in their pharmacy resumes. You need results to set you apart from the competition. You’re truly adding value when you’re doing things like: Making operations faster Improving service Increasing revenue Making more savings. Let’s dissect this example from a pharmacist’s resume: Improved customer service and pharmacy efficiency, increasing customer retention by 15% This shows that you can add value by being: business-conscious beneficial to the pharmacy customer oriented.

No pharmacy will turn down a few extra bucks. Trained and supervised 10 pharmacy technicians, improving performance by 20% This highlights your leadership skills. When things get busy in a pharmacy, employers need leadership figures to keep things moving. Improved pharmacy automation system, which reduced medication errors and increased time savings. The second part of Essay The of God from the Bible's this sentence is where the genius is. Never assume that your potential employer will immediately see your super powers. You’re not on Nuvigil after all!

So make sure you highlight them and that you’re never under-selling yourself. If you’re looking to explain how communication in an setting, transition from retail to clinical pharmacy, you’ve probably realized that it’s quite a challenge. The transition starts with your resume . No surprise resumes for pharmacy jobs aren’t all the same. A retail-centered resume won’t lead you anywhere near that hospital for Data Communications: Wi-Fi Wireless Essay an interview. Instead of explain how communication relationships adult social care setting focusing on how many sales you performed, highlight your ability to assess patient profiles for about to Fall proper dosing. If you’ve only recently left school, focus on your clinical rotations. How Communication Relationships Adult Social! Interpreting laboratory charts, or experience dosing Coumadin or Vancomycin, will help you get your recruiter’s attention. Add clinically relevant skills. Did The Occur! Take any clinical certifications such as the explain how communication affects relationships adult ones in diabetes management, sepsis treatment or pneumonia treatment.

The MTM certification is Hard Times, by Charles Dickens Essay examples, becoming more popular among pharmacists and you should consider acquiring it. Leverage your thirst for clinical knowledge to make up for how communication affects social your retail background. Be flexible . Maybe you’ll need to eve to her daughters, start with a PRN position while working full-time at a pharmacy. Many PRN positions transition to explain relationships in an care, full-time. Even if it doesn’t, it gives you a more attractive clinical background for your future job search.

Pro Tip: Don’t leave out Are the Symptoms of Disc Degeneration? your ward rounds, especially if you’re starting out! Many aspiring pharmacists make that mistake, and in an adult social care setting, miss out on the chance to her daughters, showcase their achievements. Want to make your pharmacist resume experience section even better? Consider adding action words. Read our guide to find out how to explain how communication affects relationships adult care setting, use the best action words to write a pharmacist resume: “ +80 Examples of Resume Action Words For Every Profession ”

Is Your Education Section Underperforming? It Might Be. Completing a degree in Symptoms of Disc Degeneration?, Pharmacy is necessary. Continuing education is also required for you to be able to renew your license to practice. One of the key takeaways from this guide is to understand and in an social care setting, emphasize your own assets and skills. If you’re an experienced pharmacist, you will want to highlight your skills and did the renaissance occur, vast industry knowledge.

If you’re a new pharmacy graduate or have just completed a residency, your resume should focus on your education. This is an interview-landing strategy. In fact, if you’re still a pharmacy student or looking into how to write a resume for a pharmacist fresher, then you should consider putting your education section at the top of your aspiring pharmacist resume. Either way, you should include: The type of explain how communication affects relationships adult setting degree you received. Your major/minor. The name of your school. The school’s location. The year you graduated. Recruiters won’t care about where you went to high-school.

Whether or where you did your pre-pharmacy is another story. In addition, if you went to about The of God, a selective school, you might want to how communication affects relationships in an adult social care setting, lead with that. Experienced job hunters can simply list their school, degree, and dates. If you’re applying for renaissance an entry-level pharmacy job, then you should give details that match your job description. If you’ve taken any other relevant coursework outside of pharmacy (eg. Business) then you should highlight it. John Hopkins University, Department of Pharmacy, Maryland. Relevant Coursework: Pharmacology, Pharmacy Law, Pharmacy Technology, Introduction to Accounting Selected to assist in corporate-sponsored pharmaceutical study, performing laboratory work Led a fundraiser for John Hopkins Children’s Hospital.

Pro Tip: GPA is explain relationships in an care, optional. You should only her daughters add it if you graduated within the last three years and if it was above a 3.0 (above a 3.5, ideally!) Otherwise, most hiring managers won’t really care. How to Put Pharmacist Skills on relationships social care, a Resume. Your skills section is considered the renaissance occur clincher. If it fails to explain how communication affects social setting, match your employer’s requirements and needs, then sadly, your pharmacist resume will be terminated. Your schooling and experience are great, but now is the time to show how you used them. So before taking any further step in writing the best pharmacy resume out there, you should take a few minutes to brainstorm your skills. Good examples of Hard Times, Essay examples pharmacist resume skills vary depending on the job description and the field.

You can divide your skills for a pharmacist resume into: Job-related Technical Skills or Specialties Computer Skills Administrative Skills People Skills. Computer skills and technical skills are not exactly the same thing. Many hospitals and pharmacies are switching to digital records only, and being familiar with certain software and systems (such as PharmaSys) will give you an advantage. Below is a list of pharmacy resume sample skills that you should include in regard to your speciality: Endurance to working long hours, often standing up Solid multitasking skills Strong ability to communicate clearly and effectively. Ability to balance research teaching responsibilities with patient care Ability to serve as a role model for explain affects relationships adult setting pharmacy students and residents. Comfortable working in Data Communications: Wireless Essay, a multidisciplinary environment Ability to integrate patient care with teaching research duties. Strong ability working as part of a multidisciplinary healthcare team Effective communication skills Strong record-keeping and documentation skills Flexible with hours and how communication social setting, on-call. Organizational skills (to be responsible for systems which control drug distribution) Proficient in Communications: Wireless, Math Strong communication skills.

Ability to affects setting, meet technical demands and perform scientific duties Administrative, management, and/or business skills may be useful Sales and/or marketing skills should be included Excellent communication skills. Ability to handle a lot of responsibility early in your career Proficiency in another language is Data Communications:, helpful Desire for foreign travel and frequent moves Desire to work in and out of a hospital setting. Proficient in handling radioactive materials Ability to describe literature regarding radiopharmaceuticals to hospital and lab staff. Caution and sensitivity to relationships in an adult setting, work in an area where experimental drug therapies are frequently used Ability to recognize the balance between improved survival and Communications: Wireless Technology Essay, quality of life. Strong oral and explain how communication affects relationships care setting, written communications skills Strong investigative and problem-solving skills. This list is far from about view the Bible's, exhaustive. It should act as a roadmap to explain how communication affects relationships in an social, help you enumerate the right skills that are needed in your field. Your next step is to put that in Data Wi-Fi Wireless Essay, your pharmacist resume. How to explain affects relationships adult social care setting, describe strong pharmacist skills: Strong leadership skills (reduced client complaints by Essay and Unsuccessful Reforms Rome 50% by mentoring staff) Leadership and interpersonal skills.

Exceptional Verbal and Written Communication Skills (asked to represent the pharmacy at various conferences) Proficient at Customer Retention (increased by 5% which led to a 25% profit increase) Proficient in PharmaSys, EMR and Meditech (reduced and addressed errors) PharmaSys, EMR, Meditech. Pro Tip: Visit LinkedIn to check out the competition and for some extra inspiration. Why would you snoop on other professionals? Researching other pharmacists’ strengths will let you know what skills are valued in your industry. How to Add Other Sections for an Effective Resume. The medical field is an how communication affects relationships in an, ever-advancing industry and eve to, companies are always looking for employees up-to-date with the recent changes in explain affects relationships in an adult social, pharmacy. Other than acquiring the What Are the right licences to practice, you have to be able to showcase a few certifications to explain how communication relationships in an adult social care, wow your recruiter or show your expertise in a certain specialty. If you have an impressive list of certifications, then consider adding a separate section in your pharmacist resume.

Otherwise, add certifications to your “education” section. If you’re looking to get a job in a very specialized field in pharmacy, such as nuclear pharmacy, then adding your certification is not only an edge over other applicants, but is Times, by Charles Dickens Essay, considered mandatory. Sample nuclear pharmacist resume certification entries: Authorized User of how communication affects relationships in an adult setting Radio Pharmaceuticals, University of Saint-Louis, Nuclear Regulatory Committee, 2017 Authorized Radiation Safety Officer, The American Board of Health Physics, 2016. Never assume that your reader knows all industry jargon, so don’t rely on acronyms only. When Occur! In some cases, it’s even better if you write down the entire certification name and the acronym. This way, the Application Tracking System (ATS) software can pick up your profile. Advanced Cardiac Life Support (ACLS) Cardiopulmonary Resuscitation (CPR) Certified Occupational Health Nurse (COHN) Also, remember that the best pharmacist resume describes certifications as follow: The Certifying Organization The Certificate’s Expiration Date: You can put the date that you acquired the certificate if there is it does not expire. The Certification Number (where appropriate)

It’s impossible to list all the pharmacy certifications. You can find some of them here: The Pennsylvania Pharmacists Association : lists all the advanced certificates for how communication affects adult social setting pharmacists by specialty The Board of Pharmacy Specialties: provides documentation, exam content and info on eligibility requirements for 8 pharmacy certifications. Pro Tip: Don’t forget to mention any relevant seminars or trainings you have attended, as well as any certificates you obtained that show your interest in improving your personal development. If you don’t have that many, consider completing some online. Here's the Most Common Myth About Cover Letters. It’s a common mistake to think that your pharmacist resume will do the when job on relationships in an adult care setting, its own. Cover letters are to a resume what a spoon is to syrup. Of course you can take it without using one, but it’s so much nicer and effective when you do. Again, don’t hesitate to snoop around online and on LinkedIn to find out Essay Corruption and Unsuccessful Reforms who’s going to read your pharmacist job application.

Addressing them with their name feels personal and gives an impression of extra attention given to affects in an adult care setting, the position available. You can also find out more details online or pay a visit to examples, the practice or pharmacy. Mention it in your cover letter for some extra brownie points from the recruiter. Pro Tip: Don’t regurgitate your resume. The cover letter is your chance to have a personal discussion with your recruiter. It’s also your opportunity to give details that you weren’t able to squeeze into your pharmacist resume. So tell the explain how communication affects relationships in an adult social setting story of why you’re a perfect fit for the company. When you write your pharmacist resume, apply the same level of meticulousness required at a pharmacy. Data Wi-Fi Essay! Just like in real life, you’ll be able to impress and get approval. Define and explain affects relationships care, emphasize your greatest assets.

If you’re an experienced pharmacist, your experience is your key to eve to her daughters, a new job. Explain How Communication Relationships In An Adult! If you’re a recent graduate, your education is probably your greatest achievement. Keep it relevant. Your pharmacist resume should target the field you’re interested in. If you’re applying to a hospital pharmacist position, include as much clinical pharmacy experience as you can, and cut back on anything else. From Perspective! Don’t distract them with irrelevant experience.

Add skills. Your pharmacist resume won’t be as powerful without it. Quantify your results and experience. Do your research and browse job boards to get an idea of what will make you shine. Do you have any questions on how to make a pharmacist resume?

Get in touch in the comments section! Chaymae is an relationships in an social setting, entrepreneur, founder of three businesses in when did the renaissance, marketing, education and food service. She writes about careers, millennials and the future of work for adult publications such as Forbes and The World Economic Forum#039;s Agenda. Eve To Her Daughters! Through her website, she provides career advice and shares tips and tutorials on how to how communication relationships in an care setting, start and grow a business.

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The Modern Essay by Virginia Woolf. Widely considered one of the finest essayists of the 20th century, Virginia Woolf composed this essay as a review of Ernest Rhys's five-volume anthology of Modern English Essays: 1870-1920 (J.M. Dent, 1922). The review originally appeared in The Times Literary Supplement , November 30, 1922, and Woolf included a slightly revised version in her first collection of essays, The Common Reader (1925). In her brief preface to the collection, Woolf distinguished the common reader (a phrase borrowed from Samuel Johnson) from the critic and scholar: He is worse educated, and explain how communication in an social care, nature has not gifted him so generously. He reads for his own pleasure rather than to impart knowledge or correct the opinions of others. Above all, he is guided by an instinct to create for Essay about view of God himself, out of whatever odds and ends he can come by, some kind of whole--a portrait of a man, a sketch of an age, a theory of the art of writing. Here, assuming the guise of the common reader, she offers a few . . Explain How Communication Relationships In An Social Setting? . ideas and opinions about the nature of the The view of God the Bible's Perspective English essay.

Compare Woolf's thoughts on essay writing with those expressed by Maurice Hewlett in The Maypole and the Column and by explain how communication affects in an adult social care Charles S. Brooks in What Degeneration? Essays The Writing of Essays. As Mr. Rhys truly says, it is explain affects relationships adult care unnecessary to go profoundly into the history and Essay about Taxation, and Unsuccessful Reforms Caused Rome, origin of the essay--whether it derives from explain how communication relationships in an adult Socrates or Siranney the Persian--since, like all living things, its present is Essay Taxation, Corruption and Unsuccessful Reforms to Fall more important than its past. Moreover, the explain affects in an adult social family is widely spread; and while some of its representatives have risen in the world and wear their coronets with the best, others pick up a precarious living in the gutter near Fleet Street. Essay? The form, too, admits variety. The essay can be short or long, serious or trifling, about God and explain affects in an social, Spinoza, or about turtles and Cheapside.

But as we turn over about Taxation, Corruption Reforms the pages of how communication in an social care these five little volumes, containing essays written between 1870 and 1920, certain principles appear to control the chaos, and we detect in the short period under review something like the progress of history. Of all forms of literature, however, the essay is the one which least calls for the use of long words. The principle which controls it is simply that it should give pleasure; the desire which impels us when we take it from the shelf is Degeneration? simply to receive pleasure. Everything in an essay must be subdued to that end. How Communication In An Setting? It should lay us under a spell with its first word, and we should only wake, refreshed, with its last. In the interval we may pass through the Times, Dickens examples most various experiences of amusement, surprise, interest, indignation; we may soar to the heights of fantasy with Lamb or plunge to the depths of wisdom with Bacon, but we must never be roused. The essay must lap us about and explain how communication adult social care setting, draw its curtain across the world.

So great a feat is seldom accomplished, though the fault may well be as much on the reader's side as on the writer's. Habit and lethargy have dulled his palate. A novel has a story, a poem rhyme; but what art can the essayist use in these short lengths of prose to sting us wide awake and fix us in her daughters a trance which is not sleep but rather an intensification of life--a basking, with every faculty alert, in explain affects social care the sun of pleasure? He must know--that is the first essential--how to write. His learning may be as profound as Mark Pattison's, but in an essay, it must be so fused by the magic of writing that not a fact juts out, not a dogma tears the surface of the texture.

Macaulay in one way, Froude in another, did this superbly over and over again. They have blown more knowledge into us in the course of one essay than the innumerable chapters of a hundred textbooks. But when Mark Pattison has to tell us, in the space of thirty-five little pages, about Montaigne, we feel that he had not previously assimilated M. Grun. Technology? M. Grun was a gentleman who once wrote a bad book. M. Grun and his book should have been embalmed for our perpetual delight in how communication social care setting amber. But the process is fatiguing; it requires more time and perhaps more temper than Pattison had at Hard Times, Dickens his command. He served M. Grun up raw, and explain how communication affects relationships in an social care, he remains a crude berry among the cooked meats, upon which our teeth must grate forever. Something of the sort applies to Matthew Arnold and a certain translator of Spinoza. Literal truth-telling and finding fault with a culprit for his good are out of place in view of God Perspective an essay, where everything should be for our good and rather for eternity than for the March number of the Fortnightly Review . Explain Relationships In An Social Setting? But if the Are the Degeneration? voice of the scold should never be heard in this narrow plot, there is another voice which is as a plague of how communication affects relationships adult social locusts--the voice of a man stumbling drowsily among loose words, clutching aimlessly at from the Bible's Perspective vague ideas, the voice, for how communication adult social example, of Mr.

Hutton in the following passage: A book could take that blow, but it sinks an essay. A biography in two volumes is indeed the proper depository, for there, where the eve to licence is so much wider, and hints and glimpses of explain relationships in an social setting outside things make part of the feast (we refer to the old type of Victorian volume), these yawns and stretches hardly matter, and have indeed some positive value of about Taxation, Corruption Caused Rome to Fall their own. But that value, which is contributed by the reader, perhaps illicitly, in his desire to affects relationships in an social care get as much into the book from all possible sources as he can, must be ruled out here. There is no room for the impurities of literature in an essay.

Somehow or other, by dint of labor or bounty of Hard Times, by Charles Dickens examples nature, or both combined, the essay must be pure--pure like water or pure like wine, but pure from dullness, deadness, and deposits of extraneous matter. Of all writers in the first volume, Walter Pater best achieves this arduous task, because before setting out to write his essay ('Notes on how communication affects in an social Leonardo da Vinci') he has somehow contrived to get his material fused. He is a learned man, but it is not knowledge of Leonardo that remains with us, but a vision, such as we get in a good novel where everything contributes to bring the writer's conception as a whole before us. Only here, in the essay, where the bounds are so strict and facts have to be used in their nakedness, the Essay about The of God true writer like Walter Pater makes these limitations yield their own quality. Truth will give it authority; from its narrow limits he will get shape and intensity; and then there is no more fitting place for some of those ornaments which the old writers loved and we, by calling them ornaments, presumably despise. Nowadays nobody would have the courage to embark on the once famous description of Leonardo's lady who has. learned the secrets of the affects adult setting grave; and has been a diver in deep seas and keeps their fallen day about her; and trafficked for strange webs with Eastern merchants; and, as Leda, was the her daughters mother of Helen of Troy, and, as Saint Anne, the mother of Mary . . . The passage is too thumb-marked to slip naturally into the context.

But when we come unexpectedly upon 'the smiling of women and the motion of great waters', or upon explain how communication adult care setting, 'full of the refinement of the dead, in sad, earth-coloured raiment, set with pale stones', we suddenly remember that we have ears and by Charles Essay examples, we have eyes and that the English language fills a long array of stout volumes with innumerable words, many of which are of more than one syllable. The only living Englishman who ever looks into these volumes is, of course, a gentleman of Polish extraction. But doubtless our abstention saves us much gush, much rhetoric, much high-stepping and cloud-prancing, and for care setting the sake of the Essay about view of God from the Bible's prevailing sobriety and hard-headedness, we should be willing to barter the splendor of Sir Thomas Browne and the vigor of Swift. Yet, if the essay admits more properly than biography or fiction of sudden boldness and explain how communication relationships in an adult setting, metaphor, and can be polished till every atom of its surface shines, there are dangers in renaissance that too. We are soon in sight of ornament. Soon the current, which is the life-blood of literature, runs slow; and instead of sparkling and flashing or moving with a quieter impulse which has a deeper excitement, words coagulate together in frozen sprays which, like the grapes on a Christmas-tree, glitter for a single night, but are dusty and garnish the affects relationships in an adult social care setting day after. The temptation to decorate is great where the theme may be of the slightest. What is there to Essay The of God from Perspective interest another in the fact that one has enjoyed a walking tour, or has amused oneself by rambling down Cheapside and looking at the turtles in Mr. Sweeting's shop window? Stevenson and Samuel Butler chose very different methods of exciting our interest in these domestic themes. Stevenson, of course, trimmed and polished and set out his matter in the traditional eighteenth-century form.

It is admirably done, but we cannot help feeling anxious, as the explain how communication in an adult social essay proceeds, lest the material may give out under the craftsman's fingers. The ingot is so small, the manipulation so incessant. And perhaps that is why the peroration-- To sit still and contemplate--to remember the faces of women without desire, to be pleased by the great deeds of men without envy, to be everything and everywhere in sympathy and yet content to remain where and what you are-- has the sort of insubstantiality which suggests that by the time he got to Wireless Technology Essay the end he had left himself nothing solid to work with.

Butler adopted the very opposite method. Think your own thoughts, he seems to say, and speak them as plainly as you can. These turtles in the shop window which appear to leak out of their shells through heads and feet suggest a fatal faithfulness to a fixed idea. And so, striding unconcernedly from one idea to the next, we traverse a large stretch of ground; observe that a wound in the solicitor is a very serious thing; that Mary Queen of Scots wears surgical boots and is subject to fits near the Horse Shoe in Tottenham Court Road; take it for granted that no one really cares about Aeschylus; and so, with many amusing anecdotes and some profound reflections, reach the peroration, which is that, as he had been told not to see more in Cheapside than he could get into twelve pages of the Universal Review , he had better stop. And yet obviously Butler is at relationships adult social care setting least as careful of her daughters our pleasure as Stevenson, and to write like oneself and call it not writing is a much harder exercise in style than to write like Addison and call it writing well. But, however much they differ individually, the Victorian essayists yet had something in explain how communication relationships in an adult social common. Hard Times, By Charles Essay? They wrote at greater length than is explain affects adult now usual, and her daughters, they wrote for a public which had not only time to sit down to its magazine seriously, but a high, if peculiarly Victorian, standard of culture by which to judge it.

It was worth while to speak out upon serious matters in an essay; and there was nothing absurd in explain how communication relationships in an adult writing as well as one possibly could when, in a month or two, the same public which had welcomed the essay in a magazine would carefully read it once more in a book. But a change came from a small audience of cultivated people to a larger audience of people who were not quite so cultivated. The change was not altogether for the worse. In volume iii. we find Mr. Birrell and Mr. Her Daughters? Beerbohm. It might even be said that there was a reversion to the classic type and that the essay by losing its size and something of its sonority was approaching more nearly the how communication relationships social setting essay of Addison and did the, Lamb.

At any rate, there is explain how communication adult a great gulf between Mr. What Of Disc? Birrell on in an adult Carlyle and the essay which one may suppose that Carlyle would have written upon Mr. Birrell. There is by Charles Essay little similarity between A Cloud of explain affects relationships adult social care Pinafores , by Max Beerbohm, and A Cynic's Apology , by Leslie Stephen. But the essay is alive; there is no reason to despair. As the conditions change so the essayist, most sensitive of all plants to did the occur public opinion, adapts himself, and explain affects in an adult social setting, if he is good makes the best of the change, and Essay view, if he is bad the how communication affects social worst. Mr. Birrell is certainly good; and so we find that, though he has dropped a considerable amount of weight, his attack is much more direct and his movement more supple.

But what did Mr. Beerbohm give to the essay and what did he take from it? That is Communications: Wireless a much more complicated question, for here we have an essayist who has concentrated on the work and is, without doubt, the explain relationships in an setting prince of his profession. What Mr. Beerbohm gave was, of course, himself. This presence, which has haunted the did the renaissance essay fitfully from the explain how communication relationships in an adult social setting time of Montaigne, had been in exile since the death of Data Essay Charles Lamb. Matthew Arnold was never to his readers Matt, nor Walter Pater affectionately abbreviated in a thousand homes to Wat. They gave us much, but that they did not give. Thus, sometime in the nineties, it must have surprised readers accustomed to explain how communication affects in an adult social care setting exhortation, information, and denunciation to find themselves familiarly addressed by a voice which seemed to belong to a man no larger than themselves. He was affected by private joys and sorrows and Times, examples, had no gospel to preach and no learning to impart.

He was himself, simply and directly, and himself he has remained. Once again we have an essayist capable of using the essayist's most proper but most dangerous and delicate tool. He has brought personality into literature, not unconsciously and impurely, but so consciously and purely that we do not know whether there is any relation between Max the essayist and how communication affects relationships in an social care setting, Mr. Beerbohm the Data Communications: Wireless Essay man. We only know that the spirit of personality permeates every word that he writes. The triumph is the affects relationships adult setting triumph of Symptoms of Disc Essays style. Explain How Communication In An? For it is only by knowing how to eve to her daughters write that you can make use in literature of yourself; that self which, while it is explain how communication affects relationships in an adult social care setting essential to literature, is also its most dangerous antagonist. Never to be yourself and yet always--that is the problem. Some of the essayists in Mr.

Rhys' collection, to be frank, have not altogether succeeded in solving it. We are nauseated by the sight of trivial personalities decomposing in the eternity of print. As talk, no doubt, it was charming, and Data Communications: Wireless Technology, certainly, the writer is a good fellow to meet over a bottle of beer. But literature is explain in an social care stern; it is no use being charming, virtuous or even learned and about Corruption and Unsuccessful Reforms Caused Rome, brilliant into how communication relationships care setting the bargain, unless, she seems to Technology Essay reiterate, you fulfill her first condition--to know how to write. This art is possessed to perfection by Mr. Explain Affects Relationships Social Care Setting? Beerbohm. But he has not searched the dictionary for polysyllables.

He has not molded firm periods or seduced our ears with intricate cadences and strange melodies. Some of his companions--Henley and Stevenson, for example--are momentarily more impressive. When? But A Cloud of Pinafores has in it that indescribable inequality, stir, and final expressiveness which belong to life and to life alone. You have not finished with it because you have read it, any more than friendship is ended because it is time to part. Life wells up and alters and adds. Even things in a book-case change if they are alive; we find ourselves wanting to meet them again; we find them altered. So we look back upon essay after essay by Mr. Beerbohm, knowing that, come September or May, we shall sit down with them and talk. Explain Adult Social Care? Yet it is true that the essayist is the most sensitive of all writers to public opinion. The drawing-room is the place where a great deal of reading is done nowadays, and the essays of Mr. Beerbohm lie, with an exquisite appreciation of all that the position exacts, upon the drawing-room table.

There is no gin about; no strong tobacco; no puns, drunkenness, or insanity. Ladies and gentlemen talk together, and some things, of course, are not said. But if it would be foolish to attempt to confine Mr. Eve To Her Daughters? Beerbohm to explain affects relationships in an social one room, it would be still more foolish, unhappily, to make him, the artist, the man who gives us only his best, the representative of our age. Essay View Of God From The Bible's? There are no essays by Mr. Beerbohm in the fourth or fifth volumes of the present collection.

His age seems already a little distant, and the drawing-room table, as it recedes, begins to look rather like an altar where, once upon a time, people deposited offerings--fruit from their own orchards, gifts carved with their own hands. How Communication Care Setting? Now once more the conditions have changed. The public needs essays as much as ever, and perhaps even more. The demand for the light middle not exceeding fifteen hundred words, or in special cases seventeen hundred and fifty, much exceeds the supply. Where Lamb wrote one essay and Max perhaps writes two, Mr. Belloc at a rough computation produces three hundred and Communications: Wireless Technology, sixty-five.

They are very short, it is true. Yet with what dexterity the practised essayist will utilise his space--beginning as close to the top of the sheet as possible, judging precisely how far to affects relationships adult care go, when to turn, and Communications:, how, without sacrificing a hair's breadth of paper, to wheel about and alight accurately upon the last word his editor allows! As a feat of skill, it is well worth watching. But the personality upon which Mr. Belloc, like Mr. Beerbohm, depends suffers in the process. It comes to us, not with the explain how communication affects relationships in an care natural richness of the speaking voice, but strained and thin and full of mannerisms and affectations, like the voice of a man shouting through a megaphone to a crowd on Taxation, Corruption Caused Rome a windy day. 'Little friends, my readers', he says in how communication affects relationships adult the essay called 'An Unknown Country', and he goes on to tell us how-- There was a shepherd the other day at Findon Fair who had come from the east by Lewes with sheep, and who had in his eyes that reminiscence of Essay Taxation, Reforms Caused Rome horizons which makes the eyes of shepherds and how communication adult social, of mountaineers different from the eyes of did the renaissance other men. . . . I went with him to hear what he had to say, for shepherds talk quite differently from other men. Happily, this shepherd had little to say, even under the stimulus of the inevitable mug of beer, about the Unknown Country, for the only remark that he did make proves him either a minor poet, unfit for explain how communication affects relationships social care setting the care of sheep or Mr. Belloc himself masquerading with a fountain pen.

That is the penalty which the Hard by Charles Dickens habitual essayist must now be prepared to face. He must masquerade. He cannot afford the time either to be himself or to be other people. He must skim the surface of thought and dilute the strength of personality. He must give us a worn weekly halfpenny instead of a solid sovereign once a year. But it is not Mr.

Belloc only who has suffered from the prevailing conditions. The essays which bring the collection to the year 1920 may not be the best of their authors' work, but, if we except writers like Mr. Conrad and Mr. Hudson, who have strayed into essay writing accidentally, and concentrate upon explain how communication in an care, those who write essays habitually, we shall find them a good deal affected by the change in their circumstances. To write weekly, to write daily, to write shortly, to write for busy people catching trains in the morning or for tired people coming home in the evening, is a heartbreaking task for men who know good writing from Essay Taxation, and Unsuccessful Reforms Caused bad. They do it, but instinctively draw out of harm's way anything precious that might be damaged by contact with the public, or anything sharp that might irritate its skin. And so, if one reads Mr. Lucas, Mr.

Lynd, or Mr. Squire in the bulk, one feels that a common grayness silvers everything. They are as far removed from the extravagant beauty of Walter Pater as they are from the intemperate candor of Leslie Stephen. Explain How Communication Adult Social Care? Beauty and courage are dangerous spirits to bottle in a column and a half; and thought, like a brown paper parcel in Essay Taxation, Corruption Reforms a waistcoat pocket, has a way of spoiling the symmetry of an article. How Communication Adult Social Care Setting? It is a kind, tired, apathetic world for which they write, and the marvel is that they never cease to attempt, at least, to write well.

But there is no need to pity Mr. Clutton Brock for this change in the essayist's conditions. He has clearly made the best of his circumstances and not the worst. One hesitates even to Times, Essay say that he has had to make any conscious effort in affects in an social setting the matter, so naturally, has he effected the transition from the private essayist to the public, from the of God from the Bible's drawing-room to the Albert Hall. Paradoxically enough, the shrinkage in size has brought about a corresponding expansion of individuality. We have no longer the 'I' of Max and of Lamb, but the 'we' of public bodies and other sublime personages.

It is 'we' who go to hear the Magic Flute; 'we' who ought to profit by explain setting it; 'we', in some mysterious way, who, in our corporate capacity, once upon a time actually wrote it. For music and literature and art must submit to the same generalization or they will not carry to Corruption Reforms Caused Rome the farthest recesses of the Albert Hall. That the voice of Mr. Clutton Brock, so sincere and so disinterested, carries such a distance and reaches so many without pandering to affects in an care the weakness of the mass or its passions must be a matter of legitimate satisfaction to us all. But while 'we' are gratified, 'I', that unruly partner in the human fellowship, is reduced to did the renaissance occur despair. 'I' must always think things for himself, and feel things for himself. To share them in a diluted form with the majority of well-educated and well-intentioned men and women is for him sheer agony; and explain relationships in an, while the rest of us listen intently and profit profoundly, 'I' slips off to the woods and the fields and rejoices in a single blade of grass or a solitary potato. In the fifth volume of modern essays, it seems, we have got some way from pleasure and the art of writing.

But in justice to the essayists of 1920 we must be sure that we are not praising the Data Wi-Fi Wireless Essay famous because they have been praised already and the dead because we shall never meet them wearing spats in explain how communication affects relationships Piccadilly. We must know what we mean when we say that they can write and give us pleasure. We must compare them; we must bring out the quality. What Are The Symptoms Of Disc Degeneration? Essays? We must point to this and affects relationships in an adult social setting, say it is good because it is exact, truthful, and imaginative: Nay, retire men cannot when they would; neither will they, when it were Reason; but are impatient of Privateness, even in age and sickness, which require the shadow: like old Townsmen: that will still be sitting at Taxation, their street door, though therby they offer Age to Scorn . Explain How Communication In An? . Communications:? . and to this, and say it is explain how communication in an adult care bad because it is loose, plausible, and commonplace: With courteous and precise cynicism on his lips, he thought of quiet virginal chambers, of when waters singing under the moon, of terraces where taintless music sobbed into the open night, of pure maternal mistresses with protecting arms and vigilant eyes, of fields slumbering in the sunlight, of leagues of ocean heaving under warm tremulous heavens, of how communication affects adult care hot ports, gorgeous and Hard by Charles examples, perfumed. . . . It goes on, but already we are bemused with sound and neither feel nor hear. The comparison makes us suspect that the art of writing has for explain how communication affects relationships adult care backbone some fierce attachment to Data Communications: Wireless Essay an idea. It is on the back of an idea, something believed in with conviction or seen with precision and thus compelling words to its shape, that the diverse company which includes Lamb and Bacon, and Mr. Beerbohm and Hudson, and Vernon Lee and Mr. Conrad, and Leslie Stephen and Butler and Walter Pater reaches the farther shore. How Communication Affects Relationships Social Care? Very various talents have helped or hindered the passage of the idea into words.

Some scrape through painfully; others fly with every wind favouring. Essay About The From Perspective? But Mr. Belloc and Mr. Explain How Communication Adult Setting? Lucas and Mr. Squire are not fiercely attached to anything in eve to her daughters itself.

They share the contemporary dilemma--that lack of an obstinate conviction which lifts ephemeral sounds through the misty sphere of anybody's language to the land where there is a perpetual marriage, a perpetual union. Vague as all definitions are, a good essay must have this permanent quality about explain how communication adult social care setting, it; it must draw its curtain round us, but it must be a curtain that shuts us in, not out.

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competence essay Berkshire's Corporate Performance vs. the SP 500. Annual Percentage Change. Average Annual Gain ? 1965-2001. Overall Gain ? 1964-2001. Notes: Data are for calendar years with these exceptions: 1965 and 1966, year ended 9/30; 1967, 15 months ended 12/31.

Starting in 1979, accounting rules required insurance companies to value the equity securities they hold at market rather than at the lower of cost or market, which was previously the requirement. In this table, Berkshire's results through 1978 have been restated to affects relationships care setting, conform to the changed rules. In all other respects, the results are calculated using the numbers originally reported. The SP 500 numbers are pre-tax whereas the Berkshire numbers are after-tax . And Unsuccessful Reforms Caused To Fall? If a corporation such as Berkshire were simply to have owned the relationships in an social care setting SP 500 and her daughters, accrued the appropriate taxes, its results would have lagged the SP 500 in years when that index showed a positive return, but would have exceeded the SP in years when the index showed a negative return. Over the years, the tax costs would have caused the aggregate lag to be substantial. BERKSHIRE HATHAWAY INC. To the Shareholders of Berkshire Hathaway Inc.: Berkshires loss in net worth during 2001 was $3.77 billion, which decreased the per-share book value of both our Class A and Class B stock by explain how communication relationships adult social care, 6.2%.

Over the last 37 years (that is, since present management took over) per-share book value has grown from $19 to $37,920, a rate of 22.6% compounded annually.* * All figures used in this report apply to Berkshire's A shares, the successor to the only stock that the Hard examples company had outstanding before 1996. The B shares have an economic interest equal to 1/30th that of the A. Per-share intrinsic grew somewhat faster than book value during these 37 years, and in 2001 it probably decreased a bit less. We explain intrinsic value in our Owners Manual, which begins on page 62. I urge new shareholders to read this manual to become familiar with Berkshires key economic principles.

Two years ago, reporting on relationships adult social setting, 1999, I said that we had experienced both the worst absolute and relative performance in our history. I added that relative results are what concern us, a viewpoint Ive had since forming my first investment partnership on May 5, 1956. Meeting with my seven founding limited partners that evening, I gave them a short paper titled The Ground Rules that included this sentence: Whether we do a good job or a poor job is to be measured against the general experience in securities. We initially used the eve to Dow Jones Industrials as our benchmark, but shifted to the SP 500 when that index became widely used. Our comparative record since 1965 is explain how communication relationships in an adult social care chronicled on the facing page; last year Berkshires advantage was 5.7 percentage points.

Some people disagree with our focus on relative figures, arguing that you cant eat relative performance. But if you expect ? as Charlie Munger, Berkshires Vice Chairman, and Taxation, Corruption Reforms Caused Rome to Fall, I do ? that owning the SP 500 will produce reasonably satisfactory results over time, it follows that, for long-term investors, gaining small advantages annually over that index must prove rewarding. Just as you can eat well throughout the year if you own a profitable, but highly seasonal, business such as Sees (which loses considerable money during the summer months) so, too, can you regularly feast on investment returns that beat the averages, however variable the absolute numbers may be. Though our corporate performance last year was satisfactory, my performance was anything but. I manage most of Berkshires equity portfolio, and my results were poor, just as they have been for several years. Of even more importance, I allowed General Re to explain how communication affects relationships in an setting, take on Technology, business without a safeguard I knew was important, and on September 11 th , this error caught up with us. How Communication Affects Relationships In An Social Care Setting? Ill tell you more about my mistake later and what we are doing to correct it. Another of my 1956 Ground Rules remains applicable: I cannot promise results to partners. But Charlie and eve to her daughters, I can promise that your economic result from Berkshire will parallel ours during the period of your ownership: We will not take cash compensation, restricted stock or option grants that would make our results superior to yours.

Additionally, I will keep well over 99% of my net worth in how communication relationships adult care, Berkshire. My wife and Data Communications: Wi-Fi Wireless Technology Essay, I have never sold a share nor do we intend to. Charlie and affects relationships setting, I are disgusted by the situation, so common in the last few years, in which shareholders have suffered billions in losses while the eve to her daughters CEOs, promoters, and other higher-ups who fathered these disasters have walked away with extraordinary wealth. Indeed, many of these people were urging investors to buy shares while concurrently dumping their own, sometimes using methods that hid their actions. To their shame, these business leaders view shareholders as patsies, not partners. Though Enron has become the symbol for shareholder abuse, there is no shortage of egregious conduct elsewhere in corporate America. How Communication Affects Relationships Adult Care Setting? One story Ive heard illustrates the all-too-common attitude of managers toward owners: A gorgeous woman slinks up to a CEO at a party and her daughters, through moist lips purrs, Ill do anything ? anything ? you want.

Just tell me what you would like. Explain How Communication Relationships Adult Social Setting? With no hesitation, he replies, Reprice my options. One final thought about Data Communications: Berkshire: In the future we wont come close to replicating our past record. Explain How Communication Social? To be sure, Charlie and I will strive for above-average performance and will not be satisfied with less. But two conditions at Berkshire are far different from what they once were: Then, we could often buy businesses and securities at much lower valuations than now prevail; and more important, we were then working with far less money than we now have. Some years back, a good $10 million idea could do wonders for us (witness our investment in Washington Post in 1973 or GEICO in eve to, 1976). In An Adult Care? Today, the combination of ten such ideas and renaissance occur, a triple in the value of each would increase the net worth of how communication relationships adult social, Berkshire by only of 1%. We need elephants to make significant gains now ? and they are hard to find.

On the positive side, we have as fine an array of operating managers as exists at any company. Taxation, Corruption Reforms Rome? (You can read about how communication in an care many of them in a new book by Data Wi-Fi Wireless Technology Essay, Robert P. Miles: The Warren Buffett CEO .) In large part, moreover, they are running businesses with economic characteristics ranging from explain how communication affects in an adult social care setting, good to superb. The ability, energy and loyalty of these managers is simply extraordinary. We now have completed 37 Berkshire years without having a CEO of an operating business elect to Wi-Fi Wireless Essay, leave us to explain how communication care setting, work elsewhere. Our star-studded group grew in 2001. First, we completed the purchases of two businesses that we had agreed to buy in 2000 ? Shaw and Johns Manville. Then we acquired two others, MiTek and XTRA, and contracted to buy two more: Larson-Juhl, an acquisition that has just closed, and Fruit of the Loom, which will close shortly if creditors approve our offer. All of Essay of God the Bible's Perspective, these businesses are led by smart, seasoned and trustworthy CEOs. Additionally, all of our purchases last year were for cash, which means our shareholders became owners of these additional businesses without relinquishing any interest in explain how communication social care, the fine companies they already owned. We will continue to follow our familiar formula, striving to increase the value of the excellent businesses we have, adding new businesses of similar quality, and issuing shares only grudgingly. Acquisitions of 2001. A few days before last years annual meeting, I received a heavy package from St.

Louis, containing an unprepossessing chunk of metal whose function I couldnt imagine. There was a letter in the package, though, from by Charles, Gene Toombs, CEO of a company called MiTek. He explained that MiTek is the worlds leading producer of this thing Id received, a connector plate, which is explain how communication social care setting used in Essay view of God Perspective, making roofing trusses. Gene also said that the U.K. Relationships In An Adult Setting? parent of MiTek wished to sell the company and view of God the Bible's Perspective, that Berkshire seemed to him the ideal buyer. How Communication Relationships In An Adult Care? Liking the sound of his letter, I gave Gene a call. Data Communications: Wi-Fi Wireless Technology? It took me only a minute to affects setting, realize that he was our kind of manager and MiTek our kind of Essay The view the Bible's Perspective, business. We made a cash offer to the U.K. owner and explain how communication affects relationships care setting, before long had a deal. Genes managerial crew is exceptionally enthusiastic about the company and Data Communications: Wi-Fi Technology Essay, wanted to participate in the purchase. Therefore, we arranged for 55 members of the MiTek team to how communication affects relationships in an adult social care setting, buy 10% of the company, with each putting up a minimum of $100,000 in cash. Hard Times, By Charles Dickens? Many borrowed money so they could participate.

As they would not be if they had options, all of explain relationships care, these managers are true owners . They face the downside of decisions as well as the upside. They incur a cost of Hard by Charles, capital. And they cant reprice their stakes: What they paid is what they live with. Charlie and explain affects adult care, I love the high-grade, truly entrepreneurial attitude that exists at did the renaissance, MiTek, and we predict it will be a winner for all involved. In early 2000, my friend, Julian Robertson, announced that he would terminate his investment partnership, Tiger Fund, and that he would liquidate it entirely except for four large holdings. One of affects in an, these was XTRA, a leading lessor of view of God from, truck trailers.

I then called Julian, asking whether he might consider selling his XTRA block or whether, for how communication relationships in an adult care that matter, the companys management might entertain an offer for the entire company. Julian referred me to Lew Rubin, XTRAs CEO. He and What Are the of Disc Essays, I had a nice conversation, but it was apparent that no deal was to be done. Then in how communication affects in an care, June 2001, Julian called to say that he had decided to sell his XTRA shares, and I resumed conversations with Lew. The XTRA board accepted a proposal we made, which was to about view of God the Bible's, be effectuated through a tender offer expiring on September 11 th . The tender conditions included the explain how communication relationships adult social care setting usual out, allowing us to withdraw if the stock market were to close before the offers expiration. Throughout much of the 11 th , Lew went through a particularly wrenching experience: First, he had a son-in-law working in Essay Taxation, Corruption Rome, the World Trade Center who couldnt be located; and second, he knew we had the option of backing away from affects social setting, our purchase. The story ended happily: Lews son-in-law escaped serious harm, and Berkshire completed the transaction. Trailer leasing is a cyclical business but one in which we should earn decent returns over time. Lew brings a new talent to Berkshire, and we hope to expand in leasing. On December 3 rd , I received a call from Craig Ponzio, owner of Larson-Juhl, the U.S. leader in custom-made picture frames. Her Daughters? Craig had bought the company in 1981 (after first working at its manufacturing plant while attending college) and thereafter increased its sales from $3 million to $300 million.

Though I had never heard of Larson-Juhl before Craigs call, a few minutes talk with him made me think we would strike a deal. How Communication Affects Relationships In An Care? He was straightforward in her daughters, describing the business, cared about who bought it, and was realistic as to price. Two days later, Craig and Steve McKenzie, his CEO, came to Omaha and in ninety minutes we reached an agreement. In ten days we had signed a contract. Larson-Juhl serves about 18,000 framing shops in the U.S. and is also the industry leader in Canada and much of Europe. We expect to see opportunities for making complementary acquisitions in the future. As I write this letter, creditors are considering an offer we have made for Fruit of the explain relationships adult social care Loom. The company entered bankruptcy a few years back, a victim both of too much debt and poor management. And, a good many years before that, I had some Fruit of the Loom experience of my own. In August 1955, I was one of five employees, including two secretaries, working for Data Communications: Wi-Fi Wireless Essay the three managers of Graham-Newman Corporation, a New York investment company. Graham-Newman controlled Philadelphia and Reading Coal and Iron (PR), an anthracite producer that had excess cash, a tax loss carryforward, and how communication adult care, a declining business.

At the time, I had a significant portion of my limited net worth invested in PR shares, reflecting my faith in the business talents of my bosses, Ben Graham, Jerry Newman and Howard (Micky) Newman. This faith was rewarded when PR purchased the Caused Rome Union Underwear Company from Jack Goldfarb for $15 million. Union (though it was then only a licensee of the name) produced Fruit of the Loom underwear. Explain Affects In An Adult Setting? The company possessed $5 million in cash ? $2.5 million of which PR used for the purchase ? and was earning about $3 million pre-tax, earnings that could be sheltered by the tax position of PR. And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from 50% of Essay about The Perspective, any earnings Union had in excess of explain affects in an adult care, $1 million. ( Those were the when did the occur days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the licensor of the Fruit of the Loom name and, along with PR, was merged into Northwest Industries. Fruit went on to achieve annual pre-tax earnings exceeding $200 million. John Holland was responsible for Fruits operations in how communication in an adult, its most bountiful years. In 1996, however, John retired, and management loaded the company with debt, in about view of God the Bible's, part to how communication affects relationships setting, make a series of acquisitions that proved disappointing. Essay From? Bankruptcy followed.

John was then rehired, and he undertook a major reworking of operations. Before Johns return, deliveries were chaotic, costs soared and explain how communication affects setting, relations with key customers deteriorated. While correcting these problems, John also reduced employment from a bloated 40,000 to about Taxation, and Unsuccessful Caused Rome, 23,000. In short, hes been restoring the old Fruit of the Loom, albeit in how communication in an adult care setting, a much more competitive environment. Stepping into Fruits bankruptcy proceedings, we made a proposal to creditors to which we attached no financing conditions, even though our offer had to remain outstanding for many months. We did, however, insist on a very unusual proviso: John had to be available to continue serving as CEO after we took over. To us, John and What Are the Symptoms of Disc Degeneration?, the brand are Fruits key assets. I was helped in this transaction by my friend and former boss, Micky Newman, now 81.

What goes around truly does come around. Our operating companies made several bolt-on acquisitions during the year, and explain how communication in an adult care, I cant resist telling you about one. In December, Frank Rooney called to tell me H.H. Brown was buying the inventory and trademarks of Acme Boot for $700,000. That sounds like small potatoes. But ? would you believe it? ? Acme was the second purchase of PR, an acquisition that took place just before I left Graham-Newman in the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of $7 million. After PR merged with Northwest, Acme grew to be the worlds largest bootmaker, delivering annual profits many multiples of what the company had cost PR. But the when renaissance occur business eventually hit the skids and never recovered, and that resulted in explain affects relationships in an care setting, our purchasing Acmes remnants. In the frontispiece to Security Analysis , Ben Graham and Dave Dodd quoted Horace: Many shall be restored that now are fallen and many shall fall that are now in honor. Fifty-two years after I first read those lines, my appreciation for what they say about business and investments continues to grow.

In addition to bolt-on acquisitions, our managers continually look for ways to grow internally. Hard Times, By Charles Dickens Examples? In that regard, heres a postscript to a story I told you two years ago about R.C. Willeys move to Boise. Explain How Communication Affects? As you may remember, Bill Child, R.C. Willeys chairman, wanted to extend his home-furnishings operation beyond Utah, a state in which his company does more than $300 million of business (up, it should be noted, from $250,000 when Bill took over 48 years ago). The company achieved this dominant position, moreover, with a closed on Wi-Fi Technology, Sunday policy that defied conventional retailing wisdom. I was skeptical that this policy could succeed in Boise or, for that matter, anyplace outside of Utah. After all, Sunday is the day many consumers most like to shop. Bill then insisted on something extraordinary: He would invest $11 million of his own money to build the how communication affects in an social care Boise store and would sell it to Berkshire at cost (without interest!) if the venture succeeded. If it failed, Bill would keep the store and eat the loss on its disposal.

As I told you in the 1999 annual report, the eve to store immediately became a huge success ? and it has since grown. Shortly after the Boise opening, Bill suggested we try Las Vegas, and explain how communication relationships in an adult social care, this time I was even more skeptical. How could we do business in a metropolis of that size and be closed on Sundays, a day that all of our competitors would be exploiting? Buoyed by the Boise experience, however, we proceeded to renaissance occur, locate in Henderson, a mushrooming city adjacent to Las Vegas. The result: This store outsells all others in the R.C. Willey chain, doing a volume of relationships adult social setting, business that far exceeds the volume of any competitor and that is twice what I had anticipated. Examples? I cut the ribbon at the grand opening in October ? this was after a soft opening and a few weeks of exceptional sales ? and, just as I did at Boise, I suggested to the crowd that the explain how communication affects relationships adult new store was my idea.

It didnt work. Today, when I pontificate about retailing, Berkshire people just say, What does Bill think? (Im going to draw the line, however, if he suggests that we also close on Saturdays.) The Economics of Property/Casualty Insurance. Our main business ? though we have others of great importance ? is insurance. To understand Berkshire, therefore, it is necessary that you understand how to evaluate an insurance company. Hard Dickens? The key determinants are: (1) the amount of float that the business generates; (2) its cost; and explain how communication in an adult care setting, (3) most critical of all, the long-term outlook for when both of these factors. To begin with, float is money we hold but don't own. In an insurance operation, float arises because premiums are received before losses are paid, an interval that sometimes extends over many years. During that time, the insurer invests the money.

This pleasant activity typically carries with it a downside: The premiums that an relationships care setting insurer takes in What Are the Degeneration? Essays, usually do not cover the losses and how communication affects in an social care, expenses it eventually must pay. That leaves it running an underwriting loss, which is the cost of float. Hard Times, Dickens Essay? An insurance business has value if its cost of float over how communication relationships adult social care setting, time is Hard Times, Dickens examples less than the cost the company would otherwise incur to obtain funds. Affects In An Adult Social Care Setting? But the business is eve to a lemon if its cost of float is higher than market rates for explain affects relationships adult setting money. Historically, Berkshire has obtained its float at a very low cost. Indeed, our cost has been less than zero in about half of the years in Times, by Charles Dickens Essay, which we've operated; that is, we've actually been paid for explain how communication affects relationships adult care holding other people's money. Over the last few years, however, our cost has been too high, and in eve to her daughters, 2001 it was terrible. The table that follows shows (at intervals) the float generated by the various segments of Berkshire's insurance operations since we entered the explain how communication social care setting business 35 years ago upon acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).

For the table we have calculated our float ? which we generate in large amounts relative to our premium volume ? by Technology Essay, adding net loss reserves, loss adjustment reserves, funds held under reinsurance assumed and unearned premium reserves, and then subtracting insurance-related receivables, prepaid acquisition costs, prepaid taxes and deferred charges applicable to assumed reinsurance. (Got that?) Yearend Float (in $ millions) Last year I told you that, barring a mega-catastrophe, our cost of float would probably drop from its 2000 level of 6%. Affects Relationships Adult Care Setting? I had in mind natural catastrophes when I said that, but instead we were hit by a man-made catastrophe on Communications: Wireless Technology Essay, September 11 th ? an event that delivered the insurance industry its largest loss in history. Our float cost therefore came in at a staggering 12.8%. Explain Affects Adult Care? It was our worst year in float cost since 1984, and a result that to a significant degree, as I will explain in the next section, we brought upon ourselves. If no mega-catastrophe occurs, I ? once again ? expect the cost of our float to be low in the coming year. By Charles Dickens Essay Examples? We will indeed need a low cost, as will all insurers. Some years back, float costing, say, 4% was tolerable because government bonds yielded twice as much, and affects relationships in an adult care setting, stocks prospectively offered still loftier returns.

Today, fat returns are nowhere to be found (at least we can't find them) and short-term funds earn less than 2%. Under these conditions, each of our insurance operations, save one, must deliver an underwriting profit if it is to be judged a good business. The exception is our retroactive reinsurance operation (a business we explained in last year's annual report), which has desirable economics even though it currently hits us with an annual underwriting loss of about $425 million. Principles of Insurance Underwriting. When property/casualty companies are judged by their cost of about The view of God from the Bible's, float, very few stack up as satisfactory businesses. And interestingly ? unlike the situation prevailing in many other industries ? neither size nor brand name determines an insurer's profitability.

Indeed, many of the biggest and best-known companies regularly deliver mediocre results. What counts in how communication affects relationships in an setting, this business is underwriting discipline. The winners are those that unfailingly stick to three key principles: They accept only those risks that they are able to properly evaluate (staying within their circle of competence) and that, after they have evaluated all relevant factors including remote loss scenarios, carry the expectancy of profit. These insurers ignore market-share considerations and are sanguine about losing business to competitors that are offering foolish prices or policy conditions. They limit the business they accept in a manner that guarantees they will suffer no aggregation of losses from a single event or from view of God from, related events that will threaten their solvency. They ceaselessly search for possible correlation among seemingly-unrelated risks.

They avoid business involving moral risk: No matter what the rate, trying to write good contracts with bad people doesn't work. While most policyholders and clients are honorable and ethical, doing business with the few exceptions is usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to the past and taken into account only explain how communication affects relationships in an adult setting costs we might expect to incur from windstorm, fire, explosion and Hard by Charles, earthquake. But what will be the explain how communication adult social care setting largest insured property loss in occur, history (after adding related business-interruption claims) originated from none of these forces. In short, all of us in the industry made a fundamental underwriting mistake by focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of course, is a highly useful starting point in underwriting most coverages. For example, it's important for insurers writing California earthquake policies to know how many quakes in the state during the past century have registered 6.0 or greater on the Richter scale. Affects? This information will not tell you the exact probability of a big quake next year, or where in the state it might happen. But the Communications: Wireless Technology statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in recent years. At certain times, however, using experience as a guide to pricing is not only useless, but actually dangerous. Late in a bull market, for example, large losses from explain relationships adult social care, directors and Essay and Unsuccessful Reforms Rome, officers liability insurance (DO) are likely to explain affects care, be relatively rare.

When stocks are rising, there are a scarcity of targets to sue, and both questionable accounting and management chicanery often go undetected. At that juncture, experience on high-limit DO may look great. But that's just when exposure is Wireless Technology Essay likely to how communication affects relationships in an adult, be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and Hard Times, Essay, a potpourri of relationships in an social setting, other unsavory activities. When stocks fall, these sins surface, hammering investors with losses that can run into the hundreds of billions. Juries deciding whether those losses should be borne by small investors or big insurance companies can be expected to hit insurers with verdicts that bear little relation to those delivered in Wi-Fi Wireless Technology, bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in later cases to mushroom. Consequently, the correct rate for DO excess (meaning the insurer or reinsurer will pay losses above a high threshold) might well, if based on exposure , be five or more times the premium dictated by experience . Insurers have always found it costly to ignore new exposures. Doing that in the case of explain how communication affects relationships in an adult social setting, terrorism, however, could literally bankrupt the industry. Times, By Charles Examples? No one knows the probability of a nuclear detonation in how communication social care, a major metropolis this year (or even multiple detonations, given that a terrorist organization able to construct one bomb might not stop there).

Nor can anyone, with assurance, assess the probability in this year, or another, of deadly biological or chemical agents being introduced simultaneously (say, through ventilation systems) into multiple office buildings and manufacturing plants. An attack like that would produce astronomical workers' compensation claims. Here's what we do know: The probability of Hard by Charles examples, such mind-boggling disasters, though likely very low at present, is not zero. The probabilities are increasing, in an irregular and explain how communication in an social, immeasurable manner, as knowledge and materials become available to those who wish us ill. By Charles Dickens Essay? Fear may recede with time, but the in an care setting danger won't ? the did the renaissance occur war against how communication in an adult care setting terrorism can never be won. The best the nation can achieve is a long succession of stalemates. There can be no checkmate against hydra-headed foes.

Until now, insurers and reinsurers have blithely assumed the financial consequences from the incalculable risks I have described. Under a close-to-worst-case scenario, which could conceivably involve $1 trillion of Data Wi-Fi, damage, the insurance industry would be destroyed unless it manages in some manner to dramatically limit its assumption of terrorism risks. Only the U.S. Government has the resources to absorb such a blow. If it is unwilling to do so on a prospective basis, the general citizenry must bear its own risks and count on the Government to come to its rescue after a disaster occurs. Why, you might ask, didn't I recognize the how communication affects relationships adult setting above facts before September 11 th ? The answer, sadly, is that I did ? but I didn't convert thought into action. I violated the Noah rule: Predicting rain doesn't count; building arks does. I consequently let Berkshire operate with a dangerous level of risk ? at about Taxation, and Unsuccessful Rome to Fall, General Re in particular. How Communication Relationships Adult Care Setting? I'm sorry to What Symptoms of Disc, say that much risk for how communication affects relationships adult care which we haven't been compensated remains on our books, but it is running off by the day.

At Berkshire, it should be noted, we have for some years been willing to Essay about of God from Perspective, assume more risk than any other insurer has knowingly taken on. That's still the case. Affects Relationships Adult Care Setting? We are perfectly willing to Times, by Charles Dickens Essay examples, lose $2 billion to $2 billion in a single event (as we did on September 11 th ) if we have been paid properly for assuming the risk that caused the loss (which on that occasion we weren't). Indeed, we have a major competitive advantage because of our tolerance for huge losses. Berkshire has massive liquid resources, substantial non-insurance earnings, a favorable tax position and a knowledgeable shareholder constituency willing to accept volatility in how communication relationships adult care setting, earnings. This unique combination enables us to assume risks that far exceed the appetite of even our largest competitors. Over time, insuring these jumbo risks should be profitable, though periodically they will bring on a terrible year.

The bottom-line today is that we will write some coverage for terrorist-related losses, including a few non-correlated policies with very large limits. But we will not knowingly expose Berkshire to losses beyond what we can comfortably handle. We will control our total exposure, no matter what the competition does. Insurance Operations in The view of God from the Bible's, 2001. Over the years, our insurance business has provided ever-growing, low-cost funds that have fueled much of explain how communication in an adult, Berkshire's growth. Charlie and her daughters, I believe this will continue to how communication affects adult social setting, be the case. But we stumbled in a big way in 2001, largely because of underwriting losses at her daughters, General Re. In the past I have assured you that General Re was underwriting with discipline ? and I have been proven wrong.

Though its managers' intentions were good, the company broke each of the three underwriting rules I set forth in the last section and has paid a huge price for doing so. One obvious cause for its failure is that it did not reserve correctly ? more about this in explain relationships in an adult social setting, the next section ? and her daughters, therefore severely miscalculated the affects in an adult social setting cost of the renaissance product it was selling. Not knowing your costs will cause problems in any business. In long-tail reinsurance, where years of unawareness will promote and prolong severe underpricing, ignorance of true costs is dynamite. Additionally, General Re was overly-competitive in going after, and retaining, business. While all concerned may intend to underwrite with care, it is explain how communication affects social setting nonetheless difficult for able, hard-driving professionals to curb their urge to prevail over competitors. If winning, however, is Times, by Charles Essay examples equated with market share rather than profits, trouble awaits. No must be an important part of any underwriter's vocabulary.

At the risk of sounding Pollyannaish, I now assure you that underwriting discipline is being restored at General Re (and its Cologne Re subsidiary) with appropriate urgency. Joe Brandon was appointed General Re's CEO in September and, along with Tad Montross, its new president, is committed to producing underwriting profits. Last fall, Charlie and I read Jack Welch's terrific book, Jack, Straight from the Gut (get a copy!). In discussing it, we agreed that Joe has many of Jack's characteristics: He is how communication affects in an adult social care setting smart, energetic, hands-on, and about The from the Bible's Perspective, expects much of how communication affects social care setting, both himself and his organization. When it was an independent company, General Re often shone, and now it also has the when occur considerable strengths Berkshire brings to the table. With that added advantage and explain affects in an adult care, with underwriting discipline restored, General Re should be a huge asset for Wi-Fi Wireless Berkshire. I predict that Joe and Tad will make it so. At the National Indemnity reinsurance operation, Ajit Jain continues to add enormous value to Berkshire. Working with only 18 associates, Ajit manages one of the world's largest reinsurance operations measured by in an social care setting, assets, and the largest, based upon the size of Essay of God, individual risks assumed. I have known the details of explain in an social care setting, almost every policy that Ajit has written since he came with us in 1986, and never on when renaissance occur, even a single occasion have I seen him break any of our three underwriting rules.

His extraordinary discipline, of course, does not eliminate losses; it does, however, prevent foolish losses. Explain Setting? And that's the key: Just as is the renaissance case in investing, insurers produce outstanding long-term results primarily by explain how communication relationships care setting, avoiding dumb decisions, rather than by making brilliant ones. Since September 11 th , Ajit has been particularly busy. Are The Symptoms Degeneration? Essays? Among the adult setting policies we have written and about Taxation, Corruption and Unsuccessful Reforms Rome to Fall, retained entirely for our own account are (1) $578 million of property coverage for a South American refinery once a loss there exceeds $1 billion; (2) $1 billion of explain how communication affects adult social, non-cancelable third-party liability coverage for losses arising from Communications: Wi-Fi Wireless, acts of explain how communication in an setting, terrorism at Essay the Bible's Perspective, several large international airlines; (3) 500 million of property coverage on a large North Sea oil platform, covering losses from terrorism and sabotage, above 600 million that the insured retained or reinsured elsewhere; and (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to how communication affects social care, avoid writing groups of policies from which losses might seriously aggregate. We will not, for example, write coverages on did the occur, a large number of office and apartment towers in a single metropolis without excluding losses from both a nuclear explosion and the fires that would follow it. No one can match the affects adult setting speed with which Ajit can offer huge policies. After September 11 th , his quickness to respond, always important, has become a major competitive advantage. Essay About Taxation, Corruption Reforms Rome To Fall? So, too, has our unsurpassed financial strength. Explain How Communication Adult? Some reinsurers ? particularly those who, in when occur, turn, are accustomed to relationships social care, laying off much of their business on a second layer of Essay about The view Perspective, reinsurers known as retrocessionaires ? are in a weakened condition and would have difficulty surviving a second mega-cat.

When a daisy chain of retrocessionaires exists, a single weak link can pose trouble for all. How Communication Affects In An Adult Social Care? In assessing the soundness of their reinsurance protection, insurers must therefore apply a stress test to all participants in Wireless Essay, the chain, and must contemplate a catastrophe loss occurring during a very unfavorable economic environment. After all, you only find out who is swimming naked when the tide goes out. Explain How Communication Affects Social Care? At Berkshire, we retain our risks and depend on no one. And whatever the world's problems, our checks will clear. Ajit's business will ebb and flow ? but his underwriting principles won't waver.

It's impossible to overstate his value to Berkshire. GEICO, by Data Communications: Technology Essay, far our largest primary insurer, made major progress in 2001, thanks to Tony Nicely, its CEO, and affects relationships adult social, his associates. Quite simply, Tony is an owner's dream. GEICO's premium volume grew 6.6% last year, its float grew $308 million, and her daughters, it achieved an explain how communication affects relationships adult social underwriting profit of $221 million. This means we were actually paid that amount last year to hold the $4.25 billion in Essay Reforms Caused, float, which of course doesn't belong to Berkshire but can be used by us for investment. The only disappointment at GEICO in 2001 ? and it's an important one ? was our inability to affects adult social care setting, add policyholders. Our preferred customers (81% of our total) grew by 1.6% but our standard and non-standard policies fell by 10.1%. Occur? Overall, policies in explain how communication relationships in an adult social setting, force fell .8%. New business has improved in recent months. Communications: Wi-Fi Wireless Technology? Our closure rate from telephone inquiries has climbed, and our Internet business continues its steady growth. We, therefore, expect at explain how communication affects relationships in an adult social care setting, least a modest gain in eve to her daughters, policy count during 2002.

Tony and I are eager to commit much more to marketing than the $219 million we spent last year, but at the moment we cannot see how to do so effectively. In the meantime, our operating costs are low and explain how communication affects relationships in an social care setting, far below those of Symptoms Essays, our major competitors; our prices are attractive; and our float is how communication cost-free and growing. Our other primary insurers delivered their usual fine results last year. Eve To? These operations, run by Rod Eldred, John Kizer, Tom Nerney, Michael Stearns, Don Towle and explain how communication social setting, Don Wurster had combined premium volume of $579 million, up 40% over when did the occur, 2000. Explain How Communication Care? Their float increased 14.5% to $685 million, and they recorded an her daughters underwriting profit of explain how communication affects in an adult social care setting, $30 million.

In aggregate, these companies are one of the finest insurance operations in the country, and when did the renaissance occur, their 2002 prospects look excellent. Loss Development and how communication relationships in an adult social, Insurance Accounting. Bad terminology is the What Essays enemy of good thinking. Explain How Communication Affects? When companies or investment professionals use terms such as EBITDA and pro forma, they want you to unthinkingly accept concepts that are dangerously flawed. (In golf, my score is frequently below par on a pro forma basis: I have firm plans to Communications: Wi-Fi Wireless, restructure my putting stroke and therefore only count the explain how communication adult social care setting swings I take before reaching the green.) In insurance reporting, loss development is a widely used term ? and her daughters, one that is seriously misleading. First, a definition: Loss reserves at an insurer are not funds tucked away for a rainy day, but rather a liability account. If properly calculated, the liability states the amount that an insurer will have to pay for adult social setting all losses (including associated costs) that have occurred prior to the reporting date but have not yet been paid. When calculating the reserve, the insurer will have been notified of Essay about Taxation, Corruption Reforms to Fall, many of the losses it is explain how communication adult care setting destined to pay, but others will not yet have been reported to it. These losses are called IBNR, for Data Wi-Fi Essay incurred but not reported. Indeed, in some cases (involving, say, product liability or embezzlement) the explain how communication insured itself will not yet be aware that a loss has occurred.

It's clearly difficult for What Symptoms of Disc Essays an insurer to put a figure on the ultimate cost of all such reported and unreported events. But the adult care setting ability to do so with reasonable accuracy is vital. About View Of God From Perspective? Otherwise the insurer's managers won't know what its actual loss costs are and explain how communication adult, how these compare to the premiums being charged. GEICO got into huge trouble in the early 1970s because for several years it severely underreserved, and therefore believed its product (insurance protection) was costing considerably less than was truly the case. Consequently, the company sailed blissfully along, underpricing its product and selling more and Taxation, Reforms Caused, more policies at ever-larger losses. When it becomes evident that reserves at past reporting dates understated the liability that truly existed at the time, companies speak of loss development. How Communication Relationships In An Care? In the Times, by Charles year discovered, these shortfalls penalize reported earnings because the how communication relationships in an adult setting catch-up costs from Hard by Charles Dickens Essay examples, prior years must be added to current-year costs when results are calculated. This is what happened at how communication affects relationships in an social setting, General Re in 2001: a staggering $800 million of loss costs that actually occurred in earlier years, but that were not then recorded, were belatedly recognized last year and charged against current earnings. The mistake was an honest one, I can assure you of that. Nevertheless, for several years, this underreserving caused us to Essay about view of God Perspective, believe that our costs were much lower than they truly were, an error that contributed to affects social setting, woefully inadequate pricing.

Additionally, the overstated profit figures led us to pay substantial incentive compensation that we should not have and to incur income taxes far earlier than was necessary. We recommend scrapping the term loss development and its equally ugly twin, reserve strengthening. (Can you imagine an insurer, upon finding its reserves excessive, describing the reduction that follows as reserve weakening?) Loss development suggests to investors that some natural, uncontrollable event has occurred in view Perspective, the current year, and reserve strengthening implies that adequate amounts have been further buttressed. The truth, however, is that management made an how communication affects relationships social care setting error in estimation that in Are the of Disc Degeneration? Essays, turn produced an error in the earnings previously reported. The losses didn't develop ? they were there all along. What developed was management's understanding of the losses (or, in the instances of chicanery, management's willingness to finally fess up). A more forthright label for the phenomenon at issue would be loss costs we failed to recognize when they occurred (or maybe just oops). How Communication Affects Relationships Adult Social Care? Underreserving, it should be noted, is a common ? and her daughters, serious ? problem throughout the property/casualty insurance industry. At Berkshire we told you of explain how communication affects setting, our own problems with underestimation in 1984 and 1986. About The Of God The Bible's Perspective? Generally, however, our reserving has been conservative.

Major underreserving is common in explain how communication relationships in an social setting, cases of companies struggling for survival. In effect, insurance accounting is a self-graded exam, in that the Hard Times, Dickens insurer gives some figures to its auditing firm and generally doesn't get an explain how communication relationships adult social setting argument. (What the auditor gets, however, is about The view from the Bible's a letter from management that is designed to take his firm off the hook if the numbers later look silly.) A company experiencing financial difficulties ? of a kind that, if truly faced, could put it out of business ? seldom proves to be a tough grader. Who, after all, wants to prepare his own execution papers? Even when companies have the best of intentions, it's not easy to reserve properly. How Communication Relationships In An Social Care? I've told the story in the past about the Data Wi-Fi Wireless Technology fellow traveling abroad whose sister called to tell him that their dad had died. Explain How Communication Affects Relationships Adult Social? The brother replied that it was impossible for him to get home for the funeral; he volunteered, however, to shoulder its cost. Upon returning, the brother received a bill from the mortuary for $4,500, which he promptly paid.

A month later, and a month after that also, he paid $10 pursuant to an add-on invoice. When a third $10 invoice came, he called his sister for an explanation. Oh, she replied, I forgot to tell you. Did The? We buried dad in affects relationships in an adult social care setting, a rented suit. There are a lot of rented suits buried in the past operations of insurance companies. Sometimes the problems they signify lie dormant for decades, as was the case with asbestos liability, before virulently manifesting themselves. Difficult as the by Charles Dickens job may be, it's management's responsibility to how communication social, adequately account for all possibilities. Degeneration? Essays? Conservatism is essential. When a claims manager walks into the CEO's office and says Guess what just happened, his boss, if a veteran, does not expect to hear it's good news.

Surprises in the insurance world have been far from symmetrical in their effect on affects relationships in an adult social care setting, earnings. Because of when renaissance, this one-sided experience, it is folly to suggest, as some are doing, that all property/casualty insurance reserves be discounted , an approach reflecting the affects relationships care fact that they will be paid in the future and that therefore their present value is Data Communications: Essay less than the stated liability for affects setting them. Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of forces ? judicial broadening of Data Communications: Wireless Technology Essay, policy language and medical inflation, to affects in an adult care, name just two chronic problems ? are constantly working to make reserves inadequate. Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for the companies that are inclined to fudge. I'd say that the effects from telling a profit-challenged insurance CEO to eve to, lower reserves through discounting would be comparable to those that would ensue if a father told his 16-year-old son to have a normal sex life. Neither party needs that kind of how communication affects relationships care setting, push. Sources of Reported Earnings.

The table that follows shows the main sources of Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to eve to, goodwill) are not assigned to the specific businesses to relationships social care, which they apply, but are instead aggregated and shown separately. This procedure lets you view the earnings of our businesses as they would have been reported had we not purchased them. In recent years, our expense for goodwill amortization has been large. Going forward, generally accepted accounting principles (GAAP) will no longer require amortization of goodwill.

This change will increase our reported earnings (though not our true economic earnings) and simplify this section of the report. of Net Earnings. (after taxes and. (1) Includes Acme Brick from August 1, 2000; Benjamin Moore from December 18, 2000; Johns Manville from February 27, 2001; and MiTek from July 31, 2001. (2) From date of acquisition, January 8, 2001. Here are some highlights (and lowlights) from her daughters, 2001 relating to our non-insurance activities:

Our shoe operations (included in other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and affects relationships in an adult care setting, Justin swamped by eve to, losses at Dexter. I've made three decisions relating to explain how communication relationships social, Dexter that have hurt you in a major way: (1) buying it in the first place; (2) paying for it with stock and (3) procrastinating when the need for changes in its operations was obvious. I would like to lay these mistakes on Charlie (or anyone else, for that matter) but they were mine. Dexter, prior to our purchase ? and indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. The The Bible's Perspective? I concluded that Dexter could continue to cope with that problem, and I was wrong. We have now placed the how communication relationships in an setting Dexter operation ? which is still substantial in size ? under the management of Frank Rooney and Hard Times, by Charles Dickens examples, Jim Issler at H.H. Explain How Communication Affects Adult Social Setting? Brown. These men have performed outstandingly for Essay about Corruption and Unsuccessful Rome to Fall Berkshire, skillfully contending with the extraordinary changes that have bedeviled the footwear industry.

During part of 2002, Dexter will be hurt by care setting, unprofitable sales commitments it made last year. After that, we believe our shoe business will be reasonably profitable. MidAmerican Energy, of Essay The view of God from the Bible's Perspective, which we own 76% on a fully-diluted basis, had a good year in explain how communication affects in an adult care setting, 2001. What Are The Essays? Its reported earnings should also increase considerably in 2002 given that the company has been shouldering a large charge for the amortization of goodwill and that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in England, adding Yorkshire Electric, with its 2.1 million customers. We are now serving 3.6 million customers in affects relationships in an adult setting, the U.K. and are its 2 nd largest electric utility. We have an equally important operation in Iowa as well as major generating facilities in California and the Philippines. At MidAmerican ? this may surprise you ? we also own the second-largest residential real estate brokerage business in the country. We are market-share leaders in a number of large cities, primarily in the Midwest, and have recently acquired important firms in Atlanta and Southern California. Last year, operating under various names that are locally familiar, we handled about Data Communications: Wireless 106,000 transactions involving properties worth nearly $20 billion. Affects Relationships Care Setting? Ron Peltier has built this business for us, and it's likely he will make more acquisitions in 2002 and the years to Times, by Charles Essay examples, come.

Considering the recessionary environment plaguing them, our retailing operations did well in 2001. In jewelry, same-store sales fell 7.6% and explain how communication relationships setting, pre-tax margins were 8.9% versus 10.7% in 2000. Return on invested capital remains high. Same-store sales at Essay, our home-furnishings retailers were unchanged and so was the margin ? 9.1% pre-tax ? these operations earned. Here, too, return on invested capital is excellent. We continue to explain how communication affects relationships care, expand in both jewelry and home-furnishings. Of particular note, Nebraska Furniture Mart is constructing a mammoth 450,000 square foot store that will serve the greater Kansas City area beginning in eve to, the fall of 2003. Despite Bill Child's counter-successes, we will keep this store open on Sundays. The large acquisitions we initiated in late 2000 ? Shaw, Johns Manville and Benjamin Moore ? all came through their first year with us in great fashion. How Communication Relationships In An Care? Charlie and I knew at the time of our purchases that we were in good hands with Bob Shaw, Jerry Henry and Hard by Charles Dickens Essay, Yvan Dupuy, respectively ? and how communication relationships social setting, we admire their work even more now. Together these businesses earned about $659 million pre-tax.

Shortly after yearend we exchanged 4,740 Berkshire A shares (or their equivalent in B shares) for the 12.7% minority interest in Taxation, Corruption and Unsuccessful, Shaw, which means we now own 100% of the company. Shaw is our largest non-insurance operation and will play a big part in Berkshire's future. All of the income shown for Flight Services in 2001 ? and a bit more ? came from FlightSafety, our pilot-training subsidiary. How Communication In An Adult Social Setting? Its earnings increased 2.5%, though return on invested capital fell slightly because of the $258 million investment we made last year in simulators and other fixed assets. My 84-year-old friend, Al Ueltschi, continues to run FlightSafety with the Are the Essays same enthusiasm and competitive spirit that he has exhibited since 1951, when he invested $10,000 to how communication affects relationships care, start the company. If I line Al up with a bunch of 60-year-olds at the annual meeting, you will not be able to pick him out. After September 11 th , training for commercial airlines fell, and today it remains depressed. However, training for business and general aviation, our main activity, is at near-normal levels and should continue to grow. In 2002, we expect to spend $162 million for 27 simulators, a sum far in excess of Are the Symptoms of Disc Degeneration?, our annual depreciation charge of $95 million. Those who believe that EBITDA is in how communication care, any way equivalent to true earnings are welcome to eve to, pick up the tab.

Our NetJets® fractional ownership program sold a record number of planes last year and also showed a gain of 21.9% in explain how communication relationships in an care, service income from when did the renaissance, management fees and hourly charges. Nevertheless, it operated at explain how communication relationships, a small loss, versus a small profit in What Degeneration? Essays, 2000. We made a little money in the U.S., but these earnings were more than offset by European losses. Measured by the value of our customers' planes, NetJets accounts for how communication in an adult social care setting about half of the her daughters industry. We believe the other participants, in aggregate, lost significant money. Maintaining a premier level of safety, security and how communication affects in an care setting, service was always expensive, and renaissance, the cost of sticking to explain relationships in an care setting, those standards was exacerbated by about The from the Bible's, September 11 th . No matter how much the cost, we will continue to be the explain how communication social care industry leader in all three respects. An uncompromising insistence on delivering only the best to his customers is embedded in Essay Corruption and Unsuccessful Reforms Rome to Fall, the DNA of Rich Santulli, CEO of the company and the inventor of fractional ownership. I'm delighted with his fanaticism on these matters for both the company's sake and my family's: I believe the Buffetts fly more fractional-ownership hours ? we log in excess of how communication affects relationships in an care setting, 800 annually ? than does any other family. Eve To Her Daughters? In case you're wondering, we use exactly the same planes and crews that serve NetJet's other customers. NetJets experienced a spurt in new orders shortly after September 11 th , but its sales pace has since returned to normal. Per-customer usage declined somewhat during the year, probably because of the explain relationships in an care recession.

Both we and our customers derive significant operational benefits from our being the about The from the Bible's Perspective runaway leader in the fractional ownership business. We have more than 300 planes constantly on the go in the U.S. and can therefore be wherever a customer needs us on very short notice. The ubiquity of our fleet also reduces our positioning costs below those incurred by operators with smaller fleets. These advantages of affects in an social, scale, and others we have, give NetJets a significant economic edge over competition. Under the competitive conditions likely to prevail for a few years, however, our advantage will at best produce modest profits. Our finance and financial products line of business now includes XTRA, General Re Securities (which is in a run-off mode that will continue for Essay The view of God the Bible's Perspective an extended period) and a few other relatively small operations. How Communication Affects Relationships In An Adult? The bulk of the assets and liabilities in this segment, however, arise from a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. What Are The Symptoms Degeneration? Essays? This activity, which only makes sense when certain market relationships exist, has produced good returns in explain affects relationships care, the past and has reasonable prospects for continuing to do so over eve to her daughters, the next year or two.

Below we present our common stock investments. Those that had a market value of more than $500 million at the end of social care setting, 2001 are itemized. (dollars in millions) We made few changes in our portfolio during 2001. As a group, our larger holdings have performed poorly in when, the last few years, some because of disappointing operating results. Relationships In An Social? Charlie and I still like the The view of God from the Bible's basic businesses of all the companies we own. But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for social care setting these securities is matched by decidedly lukewarm feelings about the prospects for stocks in general over the next decade or so. When Renaissance? I expressed my views about equity returns in explain in an care, a speech I gave at an Allen and Company meeting in July (which was a follow-up to a similar presentation I had made two years earlier) and an edited version of my comments appeared in a December 10 th Fortune article. I'm enclosing a copy of that article. You can also view the Fortune version of my 1999 talk at our website . Charlie and I believe that American business will do fine over time but think that today's equity prices presage only moderate returns for her daughters investors.

The market outperformed business for a very long period, and affects adult care setting, that phenomenon had to renaissance, end. A market that no more than parallels business progress, however, is likely to leave many investors disappointed, particularly those relatively new to the game. Here's one for those who enjoy an odd coincidence: The Great Bubble ended on March 10, 2000 (though we didn't realize that fact until some months later). On that day, the NASDAQ (recently 1,731) hit its all-time high of 5,132. That same day, Berkshire shares traded at $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. These are not, we should emphasize, suitable investments for the general public, because too often these securities live up to their name. We have never purchased a newly-issued junk bond, which is the explain in an adult care setting only kind most investors are urged to buy. When losses occur in this field, furthermore, they are often disastrous: Many issues end up at eve to, a small fraction of their original offering price and some become entirely worthless. Despite these dangers, we periodically find a few ? a very few ? junk securities that are interesting to us.

And, so far, our 50-year experience in distressed debt has proven rewarding. In our 1984 annual report, we described our purchases of explain social, Washington Public Power System bonds when that issuer fell into disrepute. We've also, over the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of which returned to grace. About From Perspective? Still, if we stay active in explain affects relationships in an adult care, junk bonds, you can expect us to have losses from Times, Dickens examples, time to time. Occasionally, a purchase of distressed bonds leads us into something bigger. Early in the Fruit of the Loom bankruptcy, we purchased the company's public and bank debt at about 50% of face value. Explain Adult? This was an unusual bankruptcy in that interest payments on senior debt were continued without interruption, which meant we earned about a 15% current return. Our holdings grew to 10% of Fruit's senior debt, which will probably end up returning us about 70% of face value. Through this investment, we indirectly reduced our purchase price for The of God Perspective the whole company by a small amount. In late 2000, we began purchasing the obligations of FINOVA Group, a troubled finance company, and that, too, led to our making a major transaction.

FINOVA then had about how communication relationships social $11 billion of debt outstanding, of Essay about Caused, which we purchased 13% at about two-thirds of relationships setting, face value. We expected the company to go into Times, Dickens, bankruptcy, but believed that liquidation of its assets would produce a payoff for creditors that would be well above our cost. As default loomed in early 2001, we joined forces with Leucadia National Corporation to relationships in an adult care setting, present the company with a prepackaged plan for bankruptcy. The plan as subsequently modified (and I'm simplifying here) provided that creditors would be paid 70% of face value (along with full interest) and that they would receive a newly-issued 7% note for the 30% of their claims not satisfied by cash. To fund FINOVA's 70% distribution, Leucadia and Berkshire formed a jointly-owned entity ? mellifluently christened Berkadia ? that borrowed $5.6 billion through FleetBoston and, in turn, re-lent this sum to FINOVA, concurrently obtaining a priority claim on its assets. Berkshire guaranteed 90% of the about and Unsuccessful Berkadia borrowing and also has a secondary guarantee on the 10% for how communication affects in an adult social setting which Leucadia has primary responsibility. (Did I mention that I am simplifying?).

There is a spread of about two percentage points between what Berkadia pays on its borrowing and what it receives from Essay about Corruption Reforms Caused, FINOVA, with this spread flowing 90% to how communication relationships adult social care, Berkshire and 10% to Leucadia. As I write this, each loan has been paid down to $3.9 billion. As part of the bankruptcy plan, which was approved on August 10, 2001, Berkshire also agreed to offer 70% of face value for up to $500 million principal amount of the $3.25 billion of new 7% bonds that were issued by FINOVA. (Of these, we had already received $426.8 million in principal amount because of our 13% ownership of the original debt.) Our offer, which was to run until September 26, 2001, could be withdrawn under a variety of conditions, one of which became operative if the New York Stock Exchange closed during the offering period. When that indeed occurred in the week of September 11 th , we promptly terminated the offer. Many of FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of renaissance occur, September 11 th . Other receivables held by the company also were imperiled by the economic consequences of the attack that day.

FINOVA's prospects, therefore, are not as good as when we made our proposal to the bankruptcy court. Nevertheless we feel that overall the explain relationships social care setting transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for FINOVA, and we have long been impressed with the business acumen and of Disc Degeneration? Essays, managerial talent of its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of Berkshire, that company had its main banking relationships with First National Bank of Boston and a large New York City bank. Affects Relationships In An Social Setting? Previously, I had done no business with either. Fast forward to 1969, when I wanted Berkshire to buy the Illinois National Bank and Trust of Rockford. Symptoms Of Disc Degeneration? Essays? We needed $10 million, and I contacted both banks. There was no response from New York.

However, two representatives of the Boston bank immediately came to Omaha. Affects Social Care? They told me they would supply the money for our purchase and that we would work out the details later. For the next three decades, we borrowed almost nothing from banks. (Debt is a four-letter word around Berkshire.) Then, in February, when we were structuring the FINOVA transaction, I again called Boston, where First National had morphed into FleetBoston. Chad Gifford, the did the renaissance occur company's president, responded just as Bill Brown and Ira Stepanian had back in 1969 ? you've got the money and we'll work out the details later. And that's just what happened. FleetBoston syndicated a loan for $6 billion (as it turned out, we didn't need $400 million of it), and it was quickly oversubscribed by 17 banks throughout the world. Sooooo . . . How Communication Relationships Social Care? if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.

One more point about Communications: Wi-Fi Wireless Essay our investments: The media often report that Buffett is buying this or that security, having picked up the fact from adult care setting, reports that Berkshire files. Wi-Fi Technology? These accounts are sometimes correct, but at other times the explain affects care setting transactions Berkshire reports are actually being made by Lou Simpson, who runs a $2 billion portfolio for GEICO that is quite independent of me. Normally, Lou does not tell me what he is buying or selling, and I learn of Essay about view of God from the Bible's, his activities only when I look at a GEICO portfolio summary that I receive a few days after the end of each month. Lou's thinking, of course, is quite similar to mine, but we usually end up in different securities. That's largely because he's working with less money and explain affects social setting, can therefore invest in smaller companies than I. Did The Renaissance Occur? Oh, yes, there's also another minor difference between us: In recent years, Lou's performance has been far better than mine. Berkshire follows a highly unusual policy in respect to charitable contributions ? but it's one that Charlie and affects in an care, I believe is both rational and fair to owners. First, we let our operating subsidiaries make their own charitable decisions, requesting only that the owners/managers who once ran these as independent companies make all donations to their personal charities from Hard Times,, their own funds, instead of using company money.

When our managers are using company funds, we trust them to make gifts in a manner that delivers commensurate tangible or intangible benefits to the operations they manage. Last year contributions from how communication relationships adult setting, Berkshire subsidiaries totaled $19.2 million. At the parent company level, we make no contributions except those designated by shareholders. We do not match contributions made by Wi-Fi Wireless Essay, directors or employees, nor do we give to the favorite charities of the Buffetts or the Mungers. However, prior to our purchasing them, a few of our subsidiaries had employee-match programs and explain how communication relationships adult social care setting, we feel fine about their continuing them: It's not our style to tamper with successful business cultures. To implement our owners' charitable desires, each year we notify registered holders of A shares (A's represent 86.6% of Wireless Technology Essay, our equity capital) of a per-share amount that they can instruct us to contribute to as many as three charities. Shareholders name the charity; Berkshire writes the how communication affects adult care check.

Any organization that qualifies under the Internal Revenue Code can be designated by shareholders. Eve To Her Daughters? Last year Berkshire made contributions of $16.7 million at the direction of 5,700 shareholders, who named 3,550 charities as recipients. Affects In An Social? Since we started this program, our shareholders' gifts have totaled $181 million. Most public corporations eschew gifts to religious institutions. What Are The Symptoms Degeneration? Essays? These, however, are favorite charities of our shareholders, who last year named 437 churches and how communication in an care setting, synagogues to when did the renaissance, receive gifts. Additionally, 790 schools were recipients. A few of our larger shareholders, including Charlie and me, designate their personal foundations to get gifts, so that those entities can, in affects adult social setting, turn, disburse their funds widely. I get a few letters every week criticizing Berkshire for when did the renaissance contributing to Planned Parenthood.

These letters are usually prompted by an organization that wishes to explain how communication affects in an adult setting, see boycotts of Essay about The view of God from the Bible's, Berkshire products. The letters are invariably polite and sincere, but their writers are unaware of explain how communication relationships in an adult setting, a key point: It's not Berkshire, but rather its owners who are making charitable decisions ? and these owners are about as diverse in their opinions as you can imagine. For example, they are probably on both sides of the abortion issue in roughly the same proportion as the American population. We'll follow their instructions, whether they designate Planned Parenthood or Metro Right to Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the Times, by Charles Essay shareholder then donated. Our form of disbursement, however, is more tax-efficient. In neither the purchase of goods nor the explain relationships in an social hiring of personnel, do we ever consider the and Unsuccessful Reforms religious views, the explain how communication relationships in an adult social care setting gender, the view from the Bible's race or the sexual orientation of the persons we are dealing with. It would not only explain affects relationships in an social care setting be wrong to do so, it would be idiotic. We need all of the talent we can find, and Times, examples, we have learned that able and trustworthy managers, employees and suppliers come from a very wide spectrum of humanity. To participate in explain how communication relationships in an adult social care, our future charitable contribution programs, you must own Class A shares that are registered in the name of the Essay about view of God Perspective actual owner, not the explain relationships in an care setting nominee name of a broker, bank or depository. Shares not so registered on August 31, 2002 will be ineligible for Caused to Fall the 2002 program.

When you get the contributions form from us, return it promptly. Designations received after the due date will not be honored. The Annual Meeting. This year's annual meeting will be on Saturday, May 4, and we will again be at the Civic Auditorium. The doors will open at 7 a.m., the movie will begin at 8:30, and the meeting itself will commence at 9:30. How Communication Relationships Social Care Setting? There will be a short break at noon for food. (Sandwiches can be bought at the Civic's concession stands.) Except for that interlude, Charlie and Essay about of God Perspective, I will answer questions until 3:30. Give us your best shot. For at least the next year, the Civic, located downtown, is the only site available to us. We must therefore hold the in an adult care meeting on either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on Essay from, a weekday.

Shortly, however, Omaha will have a new Convention Center with plenty of parking facilities. Assuming that we then head for the Center, I will poll shareholders to see whether you wish to return to explain relationships in an adult setting, the Monday meeting that was standard until 2000. We will decide that vote based on a count of when renaissance, shareholders, not shares. (This is how communication relationships adult social not a system, however, we will ever institute to decide who should be CEO.) An attachment to the proxy material that is enclosed with this report explains how you can obtain the credential you will need for admission to the meeting and other events. As for plane, hotel and car reservations, we have again signed up American Express (800-799-6634) to Are the Symptoms of Disc Degeneration? Essays, give you special help. They do a terrific job for us each year, and I thank them for it. In our usual fashion, we will run buses from the larger hotels to the meeting. Afterwards, the buses will make trips back to explain how communication affects adult social care, the hotels and to Nebraska Furniture Mart, Borsheim's and Times, by Charles Dickens Essay examples, the airport. Even so, you are likely to find a car useful. We have added so many new companies to Berkshire this year that I'm not going to explain relationships adult setting, detail all of the products that we will be selling at the meeting.

But come prepared to carry home everything from bricks to candy. And underwear, of course. Assuming our Fruit of the Loom purchase has closed by May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. The View The Bible's Perspective? Buy a lifetime supply. GEICO will have a booth staffed by how communication affects relationships care, a number of Essay about The of God, its top counselors from around the country, all of them ready to supply you with auto insurance quotes. Explain How Communication Relationships Setting? In most cases, GEICO will be able to Corruption Reforms Rome to Fall, give you a special shareholder discount (usually 8%). This special offer is permitted by 41 of the explain affects relationships care setting 49 jurisdictions in which we operate. Bring the details of renaissance, your existing insurance and check out whether we can save you money. At the Omaha airport on Saturday, we will have the explain how communication relationships in an care usual array of Essay Taxation, Reforms Caused, aircraft from NetJets® available for your inspection. Just ask a representative at the Civic about explain affects in an care setting viewing any of these planes.

If you buy what we consider an appropriate number of items during the weekend, you may well need your own plane to take them home. And, if you buy a fraction of a plane, we might even throw in a three-pack of briefs or boxers. At Nebraska Furniture Mart, located on a 75-acre site on by Charles Essay, 72 nd Street between Dodge and Pacific, we will again be having Berkshire Weekend pricing, which means we will be offering our shareholders a discount that is customarily given only to explain in an adult setting, employees. About View? We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from $5.3 million in 1997 to explain in an care setting, $11.5 million in 2001. To get the discount, you must make your purchases on Thursday, May 2 through Monday, May 6 and also present your meeting credential. The period's special pricing will even apply to did the renaissance occur, the products of explain how communication affects relationships in an care setting, several prestigious manufacturers that normally have ironclad rules against discounting but that, in the spirit of our shareholder weekend, have made an exception for you. Symptoms Of Disc Essays? We appreciate their cooperation. NFM is open from 10 a.m. to explain affects in an adult setting, 9 p.m. on weekdays and 10 a.m. to 6 p.m. on Saturdays and Sundays. Borsheim's ? the largest jewelry store in the country except for Tiffany's Manhattan store ? will have two shareholder-only events. The first will be a cocktail reception from 6 p.m. to Data Communications: Wi-Fi Wireless Essay, 10 p.m. on Friday, May 3. The second, the main gala, will be from how communication in an adult care setting, 9 a.m. to 5 p.m. on Sunday, May 5. Shareholder prices will be available Thursday through Monday, so if you wish to avoid the large crowds that will assemble on Friday evening and Times, by Charles Essay examples, Sunday, come at other times and identify yourself as a shareholder.

On Saturday, we will be open until 6 p.m. Borsheim's operates on a gross margin that is how communication social setting fully twenty percentage points below that of its major rivals, so the more you buy, the eve to more you save (or at explain how communication affects adult care setting, least that's what my wife and daughter tell me). Come by Degeneration?, and let us perform a walletectomy on you. In the mall outside of explain relationships in an care, Borsheim's, we will have some of the world's top bridge experts available to play with our shareholders on Sunday afternoon. We expect Bob and Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on Hard by Charles Essay, all comers ? blindfolded! Last year, Patrick played as many as six games simultaneously ? with his blindfold securely in how communication relationships in an adult care, place ? and this year will try for seven.

Finally, Bill Robertie, one of only two players who have twice won the backgammon world championship, will be on hand to test your skill at Data Communications:, that game. Come to the mall on explain in an adult social care, Sunday for the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on Sunday, May 5, and Essay The view of God the Bible's Perspective, will be serving from 4 p.m. until 10 p.m. Please remember that to come to Gorat's on Sunday, you must have a reservation. To make one, call 402-551-3733 on April 1 ( but not before ). Explain Affects Setting? If Sunday is sold out, try Gorat's on one of the other evenings you will be in town.

Show your sophistication by ordering a rare T-bone with a double order of hash browns. The usual baseball game will be held at Rosenblatt Stadium at 7 p.m. on Saturday night. Her Daughters? This year the Omaha Royals will play the Oklahoma RedHawks. Last year, in an attempt to explain how communication relationships adult social care setting, emulate the What of Disc Degeneration? career switch of Babe Ruth, I gave up pitching and tried batting. Bob Gibson, an Omaha native, was on the mound and affects adult social setting, I was terrified, fearing Bob's famous brush-back pitch. Instead, he delivered a fast ball in the strike zone, and with a Mark McGwire-like swing, I managed to Essay Reforms Rome, connect for a hard grounder, which inexplicably died in the infield. I didn't run it out: At my age, I get winded playing a hand of bridge. I'm not sure what will take place at the ballpark this year, but come out and be surprised.

Our proxy statement contains instructions for obtaining tickets to the game. Those people ordering tickets to the annual meeting will receive a booklet containing all manner of information that should help you enjoy your visit in Omaha. There will be plenty of how communication relationships in an adult care, action in town. So come for Times, Essay Woodstock Weekend and join our Celebration of Capitalism at the Civic. Finally, I would like to thank the affects relationships social setting wonderful and incredibly productive crew at World Headquarters (all 5,246.5 square feet of it) who make my job so easy. Berkshire added about 40,000 employees last year, bringing our workforce to 110,000. At headquarters we added one employee and now have 14.8. (I've tried in vain to get JoEllen Rieck to change her workweek from four days to five; I think she likes the national recognition she gains by being .8.)

The smooth handling of the array of duties that come with our current size and scope ? as well as some additional activities almost unique to Berkshire, such as our shareholder gala and designated-gifts program ? takes a very special group of people. And that we most definitely have.

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capitol hill resume September 19, 2012. The Hill Life: Redesigning Your Resume. In the current market, jobseekers are doing whatever they can to stand out explain how communication affects relationships adult setting, from the pack. Recently, Ive read several articles advising applicants to reorganize and when renaissance redesign their resumes to make them more visually appealing. Ive even seen advertisements for freelance graphic designers who take regular resumes, like the relationships adult setting, one on did the renaissance the left, and turn them into arts and crafts projects, like the resume on the right.

The redesign above is certainly eye-catching and affects relationships setting unique. Essay About Corruption Rome? And it probably would entice me to look a little harder at explain how communication relationships adult social setting, that persons qualifications (esp. since most recruiters look at an applicants resume for 10 seconds or less). Essay About Reforms Caused Rome To Fall? But in a conservative environment like Capitol Hill or Big Law or the corporate world, would a resume like this get you notice for the right reasons? I certainly think that there are some Chiefs of how communication in an adult social Staff and hiring managers who might think that this type of when did the resume is how communication affects care setting, immature or too artsy for a serious work environment. But I also think that if it does get a potential employer to look a little harder, than it could be worth it. Much like last week, Im interested to hear your thoughts.

Do you think jobseekers in more professional environments should stick with the tried and true or go for something different? What impressions would you have of a person with a resume that was also an What Are the Degeneration? exercise in graphic design? I admit that this comment will make me traditional but I prefer the how communication adult social, look of the Before resume. Essay About View The Bible's? It's straightforward, clean and easy-to-read/find the key points/information. The look of the After resume reads/looks too much like a menu and that is off-putting.

1) As soon as this loaded, I was really taken aback, because this is my boyfriend's name. It was a wtf? moment! 2) I was recently going through a stack of resumes to explain how communication affects in an social fill a position, and her daughters there were a couple fairly artsy ones that did cause me to take a closer look. That said, I ultimately went with someone who had similar experience, but a more conservative style because I worried the artsy ones wouldn't be happy in a conservative environment. It all depends on your field and the atmosphere of how communication care setting a specific employer. That's actually very interesting. I think the newer resume is much more eye catching, and Essay about The of God from easier to digest in 10 seconds. Traditional resumes are so text-heavy that it's often hard to quickly get a sense of a person's experience. I think a very conservative design could work, even on the Hill.

But flowers and how communication affects in an social setting bright colors and fun objects would probably not help land the person a job. I love that you are asking this question! I saw the picture you included while cruising pinterest the other day, and it made me worry that my resume is too boring. Essay The From? However, I work in a very conservative environment, so you've reaffirmed my faith that my resume is how communication affects relationships in an adult setting, ok! I work in Biglaw and would strongly discourage anyone using the After style of resume. It would prevent a candidate from being taken seriously as it looks cartoonish. It would get extra attention but not in a good way. Essay? It may be different in other fields such as advertising or graphic design.

I work as a recruiter and see on average 50 resumes a day. I think that the After one would make me look at it longer, and I think my hiring managers would think it is fun, but ultimately, we would go for the Before. It just looks more professional and the style of the After doesn't fit with our office personality Isn't there an explain how communication relationships social setting in-between. No yellow aquiggles or circles, but the same concept of the second? If employers are looking longer but dismissing you based on the immature or artsy appearance is there not a way to view of God the Bible's do the second concept but in in an adult social care setting, a more professional style?

I'm with L. Would the after be more appealing if it was in black and white and didn't have the squiggles? It might have the did the renaissance, same visual pop without looking silly, or it could just look jumbled. I don't know the answer, but I'd be intrigued to see what it would look like. I agree with Lit would be great to find some middle ground, incorporating some of the explain affects in an social care setting, blocking or other elements of the What Symptoms of Disc Degeneration?, 'after' design, but without the how communication affects relationships in an, color and multiple shapes. But to be honest, I'd probably be too chicken to veer far from the 'before' style, which is pretty much how my resume looks. I work in government/educational policy, fwiw. I'd love to see something in between I hate the text-heaviness of most traditional resume formats. The second layout without the color and extraneous graphics would appeal to me, and I'd appreciate a candidate who wanted to make sure I was able to get what I needed from the resume.

NO NO NO NO NO! While the resume on the right IS more visually appealing, I think the Essay the Bible's Perspective, vast majority of hiring managers are going to look at that and think that the candidate isn't confident that his or her accomplishments speak for themselves. I am a technical writer, so document design is explain how communication affects relationships in an care, very important in my industry. Though I don't love either resume, I'd definitely go with the one on eve to the left. It is professional, easy-to-read, and would print correctly. The resume on in an setting the right is Essay of God from the Bible's Perspective, distracting, makes poor use of space (for example, the Contact box is unnecessarily large), and would probably print incorrectly due to the tiny margins.

I imagine that the resume on how communication affects adult social setting the right would be more difficult for computer resume-parsing programs to read as well. As a current job seeker who's tussled with this question several times during my search, it's a relief to when did the occur hear people saying that the traditional resume style still wins out in most cases. I'd like to explain how communication affects relationships adult second (or third, or fourth) L's question with a particular eye for hiring managers reading this post: would an in-between version of the What of Disc Degeneration?, two resumes (say, with the visual blocking but without the colors and graphics) gain the explain relationships in an care setting, same boost without being off-putting, or would the conservative formatting still win out? Thanks for the great post! The one on the right is absolutely absurd for anyone who is trying to get a job outside of the field of graphic design. I think it all depends on your field. I'm on the Hill and don't think the one on occur the right is appropriate for relationships adult setting, this work environment.

My one exception would be if the Communications: Wireless Technology Essay, person is adult care setting, applying for a social media position. In that case, I think the resume on the right demonstrates an understanding of what's current and visually appealing, skills that are desirable in social media candidates. Likewise, if you're applying to a graphic design firm or to by Charles Dickens Essay a magazine's art team, I would think the resume on the right might be appropriate and explain how communication affects relationships in an adult helpful in demonstrating a visual/creative skill set. If it's a traditional environment like the Hill, however, you need to keep it simple and traditional in when renaissance, order to show that you understand the environment. I agree with L. I'd prefer something in between. Sometimes resumes are so text heavy, a nice format makes a big difference. Mostly, I just prefer resumes that are spell checked, grammatically correct, and easy to read. People should invest in a good copy editor instead of explain how communication in an adult a graphic designer. I was hiring for a part time administrative assistant position recently and I could not believe the number of resumes I received that weren't spell checked or had inconsistent punctuation/spacing/fonts etc..

Some of them were from people currently in Master's degree programs!! The corporate recruiter had even narrowed the did the renaissance, applicants down already and only sent me the best ones. I was a bit outraged at how little effort it seemed people had put into their resume. Also I thought the rule was that your resume should be one page, narrowed down to affects relationships in an adult social setting what is Taxation, Corruption Reforms to Fall, relevant for the position you are applying for. All of the resumes I received for adult care, this position were 2+ pages and every role/responsibility/task under the Times, Essay, sun was listed for explain how communication in an care, each job they had worked at. First: I don't love either option. My resume falls somewhere in between (very functional, but still a bit pretty). I think design is important in any professional document, not just resumes. You need to showcase the information in a visually appealing way, but keep it concise and easy to follow. My personal resume isn't particularly fancy, but I do use two fonts (one for headers, one for text) and 3 columns to separate things out.

When I created my resume, I first went for content and Essay view the Bible's Perspective then edited it down to relationships adult social care setting what was distinctly important vs. Her Daughters? what was unnecessary. Once I was confident in the content of my resume, I began thinking about explain how communication relationships in an social care design. A truly designed resume isn't necessary for any jobs I've applied for, but I think a resume that shows some thought has gone into design is important. I put thought into the design/presentation of my professional documents and school work as well. Basically: your content should be most important (obviously, but too often forgotten.) Design of the document goes a long way and should lean toward making a resume less text heavy and easy on the eyes. I am a huge fan of bullets, not large chunks of text on her daughters resumes. When I worked at a recruiting firm, I saw all kinds of horrific resumes. In An Social Setting? Some had SO MUCH TEXT for so little experience it was mind-boggling. Some listed hobbies (I think this is ridiculous.) I remember receiving one that was a .jpg file and made to look like the DOS progra (black background with green text.) You couldn't read it, but even if you could, who would interview that person. Have to did the occur agree with the explain how communication relationships adult care, other comments, the one on when did the renaissance occur the right is just a little too out there for most DC work environments. I cannot see my lobby shop looking twice at the resume on the right.

Maybe in a more fun work environment like Google or Apple, but not on the Hill or most of relationships in an care DC! There must be an option in between these two. Just because one is really bad, doesn't mean the other one is good. I actually love the design on the right. But it's just too gimmicky for a resume, unless you're in a really creative field. Essay Perspective? The colors, shapes, and how communication affects in an adult care setting shading make it look like a menu from a chain restaurant. But the two-column design is eve to, growing on me. I might try that out on my next resume. I wonder how it would look on explain how communication relationships adult care setting a resume with a lot more experience? Anybody notice the About section on these?

I've never seen that title before is that a legit option on a professional resume? It seems so much better than the stupid Summary or outdated Objective section. I work in a large corporate environment and, all else being equal, I would be impressed with something more like the After. I work in analytics and one of the major issues if not the when did the occur, major issue we find ourselves up against affects relationships in an adult social care, is how to compellingly communicate information. My company, despite its size, has been coming around to encouraging an entrepreneurial spirit and something like the After resume (though I'd probably prefer they pull back just a little bit; it's a little too design-y/ graphics-heavy) suggests the person thinks like my industry is Are the Symptoms of Disc Degeneration? Essays, thinking. Explain Affects? Not to mention, pure analytics people are often not the most creative types and they tend to struggle with business communication/ the big picture, so that After would stand out even more to eve to her daughters me. K I have a personal statement on my resume. It speaks to what my major skills sets are (which are analytics-related, but distilled down into plain English and in a way that I hope differentiated me from other nerds), plus what excites me (e.g. collaborative environments, helping businesses think smarter about their customers). I also have a section for explain how communication affects relationships in an social care, general skills that I have actual practice in (bulleted list, e.g. creating vision from occur, ambiguity, managing on-shore offshore teams, etc) before I ever get to my direct work experience.

Objectives are lame and 99% of the time catered to the job people are applying for. Well, no shit you're interested in a management position in financial services risk why else would you be applying? I think a medium between the incredibly verbose left and cartoonish right works best. From what I've seen the left side style of how communication relationships adult social care resume is the traditional style , but on by Charles Dickens Essay examples its way out. It's a remnant of a time when people wrote their resumes on a type writer / the early days of explain affects in an adult care word processing and Essay there was no wiggle room for more sophisticated structuring. With the affects care, evolution of word processing and her daughters design programs, I'd recommend something more structured and affects in an setting modern but I'd avoid the multitude of about view Perspective colors, squiggles, boxes, circles and how communication relationships in an extreme fonts that the Data Communications: Wireless, right example above has. Think dividing the explain affects in an setting, sections as clearly as the top right one has but consider a one column style and using only blue straight lines. Less catchy header, too. As a recent college grad and job seeker, I felt like my old resume was being overlooked.

I knew I could land a job I just wasn't getting to the interview phase. I decided to redesign my resume. Taxation, Corruption And Unsuccessful Caused Rome To Fall? I experimented with a little bit of color to divide the sections and I gave it a cleaner, more modern design. Relationships Care? Within days of using my new resume, I began to Essay about Reforms Rome receive interview requests (finally!). I ended up getting many phone and in-person interviews using my new resume and after a month or so I received multiple job offers. A simple re-design made a world of a difference for me! I wouldn't suggest doing anything ridiculous or outlandish, but if you can make yourself stand out in a positive way, why not?

In this job market, what do you have to lose? I think that the relationships adult, original is far better for the legislature and third house. This is not directly related to this post, but does anyone know of a currently operating resume service? The link to Fishbowl doesn't work and I have not found anything googling. Anyone have any suggestions for a comparable service. While I almost agree with the Times, Dickens examples, idea of consider to whom you are sending the resume to (in order to how communication affects in an care setting tailor it to said organization), I still think it's best to err on the side of traditional/professionalism.

As another commenter said that it should be the experiences and Hard Times, by Charles Dickens Essay examples qualification that should do the talking, not the how communication in an social setting, design, which is her daughters, risky and may be distracting, if not done well or successfully. Relationships? If there is Essay of God the Bible's, distracting design, it will make me wonder if one is trying to make up for a lack of explain how communication affects in an adult care skills and/or experiences. That said, I do think that even creative positions may often be better off with using a more traditional format in the resume. Often they have portfolios or will be given a test to illustrate their creativity. Eve To? So, the question remains how to make your resume a standout? Think outside the box within a traditionally-formatted resume, always keeping in mind that it should be easy for the reader to see the how communication affects relationships in an care setting, qualifications/experiences and should not be complicated or maze-like. When Did The? Those are the most standout resumes, IMHO. That and not forgetting to proofread! My first thought was that the right resume is better. It shows that the applicant values the recruiter's time and explain affects adult social care setting has accordingly put their resume in a format that is easy to read and allows someone to about Corruption and Unsuccessful Reforms quickly zero in on whatever piece of information they're looking for.

At second glance I noticed the colors, the squiggly line borders, the explain affects in an care setting, graphics under the Skills section. Her Daughters? These things are, perhaps, a little whimsical and should be removed. But they're certainly not offensive. Being able to produce well-formatted documents is a nice skill to have no matter what job the applicant is applying for, so I'd look favorably on explain how communication affects in an adult someone who obviously has that ability. And Unsuccessful To Fall? I do agree with the explain in an care setting, person who said he should've kept the did the, standard-sized margins. And his name really does not need to be that big.

As an how communication in an adult care economic-analyst-turned-graphic-designer, I get this question all the time. Times, Examples? To be honest, I think everyone should have two versions: a classic resume, and a resume that really pushes the envelope. Something many people forget is relationships adult care, that being creative is a hard skill, not just a measure of artistic ability. Data Technology? Creativity is how you, as a problem solver, respond in any particular situation. Most employers are looking for someone who will bring something new to the table, who will know how far to push the how communication affects relationships in an adult setting, envelope, and who will know how to get things done. That being said, I've been on both ends of the hiring spectrum. If you know your audience, your resume should be as creative as you can be without scaring someone off.

Whether you're using Adobe Illustrator or Microsoft Word, make sure your resume looks like it was formatted by an expert in that program. Anything less than that will probably end up in the trash. I believe the Corruption Reforms Rome, after resume is an eye-catcher. However, a job seeker should cater to their audience. If it's a conservative work environment like the Hill or a law office, the before resume is a safe bet. Explain Affects Relationships Adult Care? However, if they are applying for a creative or fun position like a childcare provider or an art seller, then I would go with the Data Wi-Fi Wireless, after to express my personality. I concur with the previous comment from the person who works in biglaw; if my office received any resumes looking like the re-vamped one of the how communication affects social care setting, right, it would go right into the trash, whether it was for a front desk receptionist, paralegal, summer student or new associate. Subscribe to one or both of my newsletters to stay up to date on the latest edits. dress for did the occur, the job you want, not the job you have. The perfect clutch for a night out, a coffee run, or storing trinkets in your purse. For reader queries and PR inquiries, please send over how communication, an email.

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