Underlying assumptions critical thinking
Mar/Wed/2018 | Uncategorized
Your Assumptions Matter More Than You Think
NLP looks at the words we use and examines the underlying assumptions. It s an interesting and
Christ-Centered Critical Thinking - Shorter University
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black belt on resume Certified Lean Six Sigma. Master Black Belt. I am a Certified Lean Six Sigma Master Black Belt with over twenty five years of underlying thinking, statistical quality and process improvement management experience. Ocr As Ict Coursework? I offer expertise in manufacturing, information technology, and service environments, leading complex cross-organizational quality improvement projects. Assumptions Thinking? As a skilled facilitator and trainer, I lead enterprise-level improvement projects, engaging key stakeholders and business leaders to work through sometimes contentious issues to colleg essay, ensure quality improvements are achieved. Six Sigma Quality Management Business Process Management Lean Manufacturing and underlying assumptions critical thinking Kaizen Facilitation of Change IT Service Management / ITIL Agile Project Management. Stategic Analysis and Planning Servant Leadership Keynote and Professional Speaking Statistical Analysis and where statement located in a paper Process Control Balanced Scorecards, Dashboards, and Metrics. Microsoft Excel (Advanced) Microsoft Access (Advanced) Microsoft Project Microsoft Visio.
Minitab 17 Statistical Analysis (Advanced) Crystal Reports and SQL Macromedia Dreamweaver (HTML) Windows 10 and Microsoft Office 2016 Suite. Optum, Eden Prairie, MN Certified Six Sigma Master Black Belt. Manage project plan, including scope, strategy, and communication plan for enterprise-wide healthcare projects that deliver process and system improvements. Utilize DMAIC, DMADV, LEAN, Design for underlying critical, Six Sigma (DFSS), Business Process Management (BPM), Kaizen, and other Six Sigma tools to significantly improve existing processes or to implement new business processes. Train and mentor Black Belts, Green Belts, and where thesis located position weegy Project Champions to ensure project success. Identify and prioritize potential projects based on customer impact and corporate strategies. Optum, Minnetonka, MN Certified Lean Six Sigma Black Belt.
Manage project plans, scope, strategies, and communications for medium to thinking, large healthcare and financial systems projects that deliver process and system improvements. Utilize DMAIC, DMADV, DFSS, BPMS, Kaizen, LEAN, and other Six Sigma tools to significantly improve existing processes and to create new business processes. CH ROBINSON, Eden Prairie, MN Six Sigma Black Belt and IT Project Manager. Managed project plans, scope, strategies, and communications for by hannie essays, medium to large scale IT projects that delivered process and system improvements. Utilized DMAIC, DMADV, DFSS, BPMS, FMEA, LEAN, and underlying assumptions thinking other Six Sigma tools to located in a, significantly improve existing processes and to create new business processes.
Reduced cycle time. Redesigned a corporate portal, request forms, and business processes to thinking, reduce end user time spent requesting services by 75% while eliminating redundant callbacks by 80%. By Hannie Rayson Essays? Established customer-focused service levels and significantly improved service fulfillment from 50% to 90%. Created exception and escalation processes for managing unique or unusual requests. Improved system availability for customer reporting. Reduced data latency defects in an IT system by 99% improving customer access up-to-the-minute data from 65% to 99.9% during core hours. Benchmarked and established IT position descriptions with industry-relevant salary ranges. Conducted cost-benefit analyses and obtained approval for underlying assumptions critical, system improvements. One bill tracking system had a $75,000 annual cost, yet analysis revealed a net cost savings of $1.3 M over colleg essay, four years.
Created measures and Key Performance Indicators (KPIs) using readily available tools such as Excel. Facilitated cross organizational discussions to map out high level business processes, established process Key Performance Indicators (KPIs), and underlying assumptions critical incorporated Capability Maturity Models (CMMI). Thesis Technical Analysis Stock? Established 'use case' requirements based on voice of the customer analysis and solicited Requests for Proposal (RFPs) for purchased IT systems. Mentored, trained, and designed instructional materials for assumptions critical thinking, Green Belts, Black Belts, project champions, and on hamlet quality improvement teams using Six Sigma concepts and techniques. Critical Thinking? Facilitated rational analysis sessions using Kepner-Tregoe techniques. Thesis Technical? As a corporate trainer, developed content and assumptions thinking delivered Six Sigma Black Belt, Green Belt, and ocr as level ict coursework Champion training sessions.
CARLSON COMPANIES, Minnetonka, MN Six Sigma Black Belt and assumptions critical thinking IT Project Manager. Managed medium to large scale IT projects that delivered significant process and my paper not plagiarized technology improvements. Utilized Six Sigma tools to significantly improve existing processes and to create new business processes. Managed a project to deploy a large scale Help Desk ticketing system for managing system configurations, IT changes, incidents, problems, and underlying assumptions thinking IT monitoring tools. By Hannie? Established a corporate umbrella project management process to prioritize a portfolio of IT projects.
Led two black belt projects to underlying, eliminate website and network outages, resulting in annual cost savings of over $250,000. Managed a project to deploy, configure, and is the thesis statement in a position administer a call center computer telephony system that reduced call abandonment by 12% and underlying thinking increased call handling capacity by thesis stock 25%. Used sophisticated statistical measurements to determine process capability with respect to customer specifications. Identified process gaps and chartered projects to underlying assumptions, improve key customer facing processes. Facilitated strategic planning, Balanced Scorecard, and thesis technical market dashboard design sessions. Authored and gained approval for underlying critical thinking, Authorizations for Expenditure (AFEs) for $1M+ enterprise projects. Automated support processes with systems integrations between monitoring tools and core systems. Integrated help desk software system with automatic notifications, reducing resolution time by inheritance by hannie 35%. Managed the implementation of repeatable and underlying critical thinking reliable improvement strategies for Information Technology: configuration, change, incident, problem, and request management processes. Identified data sources and established key metrics using software reporting and database tools. As a corporate trainer, developed content and market delivered Six Sigma Green Belt and Champion training sessions.
CARLSON COMPANIES, Minnetonka, MN Service Desk Advanced Support Manager. Managed 18 service desk employees covering incident, problem, request, and escalation management services. Deployed a skills-based call distribution system to improve first call resolution from assumptions, 25% to 80%. Designed queuing models to effectively allocate resources and to reengineer call handling processes. Improved first call resolution by 30% while reducing call abandonment from 12% to 4%.
Constructed statistical analyses from production data to identify problem root causes and effect solutions. Reconfigured incoming call Voice Response Unit (VRU) menus to colleg essay, significantly improve customer satisfaction by reducing menu selections, minimizing wait time, and improving first call resolution. CWC, Mankato, MN Technical Customer Service/Quality Improvement. Provided computer technical support for automotive software customers. Provided statistical analytical support of problems, trained new employees, and documented department processes. Simplified call center metrics and implemented Pareto analyses to underlying assumptions critical, improve problem resolution and to focus initiatives around customer and ocr as level strategic issues. Designed and implemented statistical methods to provide call center metrics and to improve call center processes. Documented processes in an ISO 9000 initiative. Initiated a new-employee mentoring system to underlying assumptions thinking, improve customer service, to facilitate knowledge transfer, and to enhance skill development.
CARGILL, Mankato, MN Quality Assurance and Technical Services Manager. Managed two flour quality laboratories and provided technical service for bakery and flour customers. Served as the focal point for key customer contact. Led quality improvement projects. Designed and conducted quality seminars for customers and suppliers. Resolved customer and essays product performance issues at underlying assumptions customer sites. Revised nutritional labels and established a new product launch process to assure regulatory compliance.
Supervised analytical test methods across divisional laboratories. Researched and ocr as ict coursework implemented TLC (thin layer chromatography) method for the analysis of Vomitoxin in thinking fusarium damaged wheat. Chaired facility safety committee and trained staff in materials handling and MSDS. Established a HACCP program and conducted product purity audits. MBA , Executive Management, University of Minnesota Carlson School of Management, BA Chemistry (Minor Economics) Minnesota State University, UnitedHealth Group Certified Six Sigma Master Black Belt. Certified Six Sigma Black Belt - ASQ Certificate #8907. Six Sigma Black Belt Certification - Carlson Companies. Ict Coursework? Six Sigma Green Belt Certification - Carlson Companies. IT Service Management Foundation - Loyalist College of Applied Arts Technology (Exin) Business Process Analysis, Innovation, and Design - PMI/George Washington University.
Managing Information Technology Projects - PMI/George Washington University. Cargill Inc. Corporate Statistical Process Control Instructor. Kepner-Tregoe Rational Analysis - Cargill. Distinguished Toastmaster Award. Follow me on LinkedIn! Follow me on Facebook!
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Christ-Centered Critical Thinking - Shorter University
E. B. White, The Art of the assumptions critical thinking Essay No. Ict Coursework. 1. E. Assumptions Critical. B. White and his dog Minnie. If it happens that your parents concern themselves so little with the workings of boys’ minds as to christen you Elwyn Brooks White, no doubt you decide as early as possible to thesis identify yourself as E.B. Underlying Assumptions. White. If it also happens that you attend Cornell, whose first president was Andrew D. Colleg Essay. White, then, following a variant of the principle that everybody named Rhodes winds up being nicknamed “Dusty,” you wind up being nicknamed “Andy.” And so it has come about that for fifty of his seventy years Elwyn Brooks White has been known to his readers as E.B. Assumptions Thinking. White and to his friends as Andy. Andy White. Is The Thesis Located Position Weegy. Andy and Katharine White. Assumptions. The Whites. Andy and Katharine have been married for forty years, and in located weegy that time they have been separated so rarely that I find it impossible to think of one without the other.
On the assumptions critical thinking occasions when they have been obliged to be apart, Andy’s conversation is so likely to center on ocr as ict coursework, Katharine that she becomes all the more present for being absent. The Whites have shared everything, from professional association on the same magazine to preoccupation with a joint ill health that many of their friends have been inclined to regard as imaginary. Years ago, in critical a Christmas doggerel, Edmund Wilson saluted them for possessing “ mens sana in corpore insano, ” and colleg essay it was always wonderful to thinking behold the technical analysis intuitive seesaw adjustments by which one of them got well in time for the other to underlying assumptions critical get sick. What a mountain of by hannie rayson, good work they have accumulated in that fashion! Certainly they have been the strongest and underlying critical most productive unhealthy couple that I have ever encountered, but I no longer dare to make fun of their ailments. Now that age is bestowing on them a natural infirmity, they must be sorely tempted to say to the rest of us, “You see? What did we tell you?” (“Sorely,” by the way, has been a favorite adverb of Andy’s- a word that brims with bodily woe and essays on hamlet that yet hints at the heroic: back of Andy, some dying knight out of Malory lifts his gleaming sword against the dusk.) Andy White is small and underlying thinking wiry, with an unexpectedly large nose, speckled eyes, and an air of being just about to where is the in a turn away, not on an errand of any importance but as a means of remaining free to cut and run without the underlying assumptions critical thinking nuisance of prolonged good-byes. Crossing the level threshold of his eighth decade, his person is critical, uncannily boyish-seeming.
Though his hair is grey, I learn at this moment that I do not consent to the fact: away from him, I remember it as brown, therefore it is brown to me. Andy can no more lose his youthfulness by the tiresome accident of growing old than he could ever have been Elwyn by the tiresome un-necessary accident of baptism; his youth and his “Andy”-ness are intrinsic and inexpungeable. My Paper Not Plagiarized. Katharine White is a woman so good-looking that nobody has taken it amiss when her husband has described in print as beautiful, but her beauty has a touch of blue-eyed augustness in it, and her manner is formal. Underlying. It would never occur to me to go beyond calling her Katharine, and I have not found it surprising when her son, Roger Angell, an editor of The New Yorker , refers to her within the office precincts as “Mrs. White.” (Roger Angell is the son of her marriage to a distinguished New York attorney, Ernest Angell; she and Andy have a son, Joe, who is a naval architect and whose boatyard is ocr as, a thriving enterprise in the Whites’ hometown of Brooklin, Maine.) At the risk of reducing a man’s life to a sort of Merck’s Manual, I may mention that Andy White’s personal physician, Dana Atchley- giving characteristically short shrift to a psychosomatic view of his old friend- has described him as having a Rolls Royce mind in a Model T body. Underlying. With Andy, this would pass for a compliment, because in the tyranny of his modesty he would always choose to be a Ford instead of a Rolls, but it would be closer to the truth to describe him as a Rolls Royce mind in a Rolls Royce body that unaccountably keeps bumping to stock a stop and humming to critical thinking itself, not without infinite pleasure to others along the way. Thesis Analysis Stock. What he achieves must cost him a considerable effort and appears to cost him very little. Underlying Critical. His speaking voice, like his writing voice, is clear, resonant, and invincibly debonair.
He wanders over the pastures of his Maine farm or, for that matter, along the labyrinthine corridors of The New Yorker offices on West Forty-Third Street with the off-hand grace of a dancer making up a sequence of steps that the essays on hamlet eye follows with delight and underlying assumptions critical that defies any but his own notation. Clues to the bold and delicate nature of those steps are to be discovered in every line he writes, but the ict coursework man and his work are so nearly one that, try as we will, we cannot tell the dancer from the underlying assumptions critical thinking dance. So many critics equate the success of a writer with an unhappy childhood. Can you say something of ocr as level, your own childhood in underlying Mount Vernon? As a child, I was frightened but not unhappy. My parents were loving and kind. We were a large family (six children) and were a small kingdom unto ourselves. Nobody ever came to by hannie rayson essays dinner. My father was formal, conservative, successful, hardworking, and worried. My mother was loving, hardworking, and retiring. Underlying Assumptions Critical. We lived in a large house in a leafy suburb, where there were backyards and stables and grape arbors.
I lacked for nothing except confidence. I suffered nothing except the routine terrors of my paper not plagiarized, childhood: fear of the critical dark, fear of the future, fear of the return to school after a summer on a lake in Maine, fear of making an appearance on a platform, fear of the lavatory in the school basement where the slate urinals cascaded, fear that I was unknowing about things I should know about. I was, as a child, allergic to pollens and dusts, and still am. I was allergic to platforms, and still am. It may be, as some critics suggest, that it helps to criticism have an unhappy childhood.
If so, I have no knowledge of it. Perhaps it helps to have been scared or allergic to underlying assumptions critical thinking pollensI don’t know. At what age did you know you were going to follow a literary profession? Was there a particular incident, or moment? I never knew for colleg essay, sure that I would follow a literary profession. Underlying Assumptions Critical. I was twenty-seven or twenty-eight before anything happened that gave me any assurance that I could make a go of writing.
I had done a great deal of writing, but I lacked confidence in my ability to put it to essays good use. I went abroad one summer and on my return to New York found an accumulation of mail at my apartment. Thinking. I took the where statement located in a position letters, unopened, and went to a Childs restaurant on Fourteenth Street, where I ordered dinner and began opening my mail. From one envelope, two or three checks dropped out, from The New Yorker . I suppose they totaled a little under a hundred dollars, but it looked like a fortune to me. I can still remember the feeling that “this was it”I was a pro at last. It was a good feeling and I enjoyed the meal.
What were those first pieces accepted by assumptions thinking, The New Yorker ? Did you send them in with a covering letter, or through an agent? They were short sketcheswhat Ross called “casuals.” One, I think, was a piece called “The Swell Steerage,” about the then new college cabin class on write not plagiarized, transatlantic ships. I never submitted a manuscript with a covering letter or through an agent. I used to put my manuscript in the mail, along with a stamped envelope for the rejection. This was a matter of high principle with me: I believed in assumptions the doctrine of write my paper not plagiarized, immaculate rejection. Underlying. I never used an agent and did not like the looks of a manuscript after an my paper agent got through prettying it up and putting it between covers with brass clips. (I now have an agent for such mysteries as movie rights and foreign translations.) A large part of all early contributions to assumptions critical thinking The New Yorker arrived uninvited and technical market unexpected. Underlying Critical. They arrived in the mail or under the arm of people who walked in with them. O’Hara’s “Afternoon Delphians” is one example out of hundreds. For a number of is the thesis in a paper weegy, years, The New Yorker published an average of fifty new writers a year.
Magazines that refuse unsolicited manuscripts strike me as lazy, incurious, self-assured, and underlying assumptions critical thinking self-important. I’m speaking of magazines of general circulation. There may be some justification for a technical journal to limit its list of contributors to persons who are known to be qualified. But if I were a publisher, I wouldn’t want to put out a magazine that failed to examine everything that turned up. But did The New Yorker ever try to publish the emerging writers of the time: Hemingway, Faulkner, Dos Passos, Fitzgerald, Miller, Lawrence, Joyce, Wolfe, et al?
The New Yorker had an interest in publishing any writer that could turn in a good piece. It read everything submitted. Is The Located Weegy. Hemingway, Faulkner, and the others were well established and well paid when The New Yorker came on the scene. Underlying. The magazine would have been glad to publish them, but it didn’t have the money to pay them off, and for the most part they didn’t submit. They were selling to The Saturday Evening Post and other well-heeled publications, and in thesis market general were not inclined to contribute to underlying assumptions critical the small, new, impecunious weekly.
Also, some of them, I would guess, did not feel sympathetic to The New Yorker ’s frivolity. Ross had no great urge to publish the big names; he was far more interested in turning up new and yet undiscovered talent, the Helen Hokinsons and the James Thurbers. We did publish some things by Wolfe“Only the Dead Know Brooklyn” was one. Where Is The Thesis Position Paper Weegy. I believe we published something by Fitzgerald. But Ross didn’t waste much time trying to underlying assumptions critical thinking corral “emerged” writers. Criticism. He was looking for the ones that were found by turning over a stone.
What were the procedures in turning down a manuscript by a New Yorker regular? Was this done by Ross? The manuscript of a New Yorker regular was turned down in critical the same manner as was the manuscript of a New Yorker irregular. It was simply rejected, usually by the subeditor who was handling the author in question. Rayson. Ross did not deal directly with writers and artists, except in the case of a few old friends from an earlier day. Underlying. He wouldn’t even take on Woollcottregarded him as too difficult and fussy. Ross disliked rejecting pieces, and colleg essay he disliked firing peoplehe ducked both tasks whenever he could.
Did feuds threaten the magazine? Feuds did not threaten The New Yorker . The only feud I recall was the running battle between the editorial department and the advertising department. This was largely a one-sided affair, with the editorial department lobbing an occasional grenade into the enemy’s lines just on general principles, to help them remember to stay out of sight. Ross was determined not to allow his magazine to be swayed, in the slightest degree, by critical, the boys in advertising. As far as I know, he succeeded. When did you first move to New York, and what were some of the things you did before joining The New Yorker ? Were you ever a part of the Algonquin group?
After I got out of college, in literary criticism essays on hamlet 1921, I went to work in New York but did not live in New York. I lived at home, with my father and assumptions critical thinking mother in Mount Vernon, and commuted to thesis stock market work. I held three jobs in about seven monthsfirst with the United Press, then with a public relations man named Wheat, then with the American Legion News Service. I disliked them all, and in the spring of 1922 I headed west in underlying critical a Model T Ford with a college mate, Howard Cushman, to seek my fortune and as a way of rayson essays, getting away from what I disliked. I landed in Seattle six months later, worked there as a reporter on the Times for a year, was fired, shipped to Alaska aboard a freighter, and underlying critical then returned to New York. It was on my return that I became an advertising manFrank Seaman Co., J. H. Newmark. In the mid-twenties, I moved into a two-room apartment at criticism 112 West Thirteenth Street with three other fellows, college mates of critical, mine at Cornell: Burke Dowling Adams, Gustave Stubbs Lobrano, and Mitchell T. Galbreath. The rent was $110 a month.
Split four ways it came to $27.50, which I could afford. Ocr As Ict Coursework. My friends in those days were the fellows already mentioned. Also, Peter Vischer, Russell Lord, Joel Sayre, Frank Sullivan (he was older and more advanced but I met him and thinking liked him), James Thurber, and others. I was never a part of the colleg essay Algonquin group. After becoming connected with The New Yorker, I lunched once at underlying assumptions critical the Round Table but didn’t care for it and was embarrassed in the presence of the great. Literary. I never was well acquainted with Benchley or Broun or Dorothy Parker or Woollcott.
I did not know Don Marquis or Ring Lardner, both of whom I greatly admired. I was a younger man. Subscribe and save nearly 40%. Already a subscriber? Sign in below. Last / Next Article. These Anemones, Their Song Is Made Up As They Float Along. Kara Walker’s Nightmares Are Our Own.
Birthday Letter from South Carolina. Staff Picks: Fat Ladies, Flowers, and Faraway Lands. Staff Picks: Pranks, Prints, and Penises. We reached the car, and I held the door open for him, but he didn't climb in right away. He stood there rocking on his crutch, gazing off at the sky and the fields and the fall trees starting to go the color of sherbet#133; To the Attic: Virginia Woolf and Abelardo Morell. Virginia Woolf’s mother, Julia Jackson, was the underlying critical thinking photographer Julia Margaret Cameron’s niece, and among Cameron’s loveliest subjects. She also served as inspiration for the charismatic figure of Mrs.
Ramsay in Woolf ’s novel To the Lighthou Eudora Welty, The Art of Fiction No. 47. I met Eudora Welty in her room at the Algonquin Hotel an hour or so after her train had arrived in Penn Station. She had given me the wrong room number, so I first saw her peering out of her door as the elevator opened. A tall, large-boned, gray-haired woman greeted me apologetically. She was admittedly nervous about being interviewed, particularly on a tape recorder.
After describing her train rideshe won’t flyshe braced herself and asked if I wouldn’t begin the questioning. Once the interview got underway, she grew more at ease. As she herself might say, she was “not unforthcoming.” She speaks deliberately with a deep Southern drawl, measuring her words. She is extremely private and colleg essay won’t reveal anything personal about herself. You wrote somewhere that we should still tolerate Jane Austen’s kind of family novel. Critical. Is Austen a kindred spirit? Tolerate ? I should just think so! I love and admire all she does, and profoundly, but I don’t read her or anyone else for technical stock, “kindredness.” The piece you’re referring to was written on assignment for underlying assumptions, Brief Lives , an position anthology Louis Kronenberger was editing.
He did offer me either Jane Austen or Chekhov, and Chekhov I do dare to think is more “kindred.” I feel closer to him in underlying assumptions critical spirit, but I couldn’t read Russian, which I felt whoever wrote about him should be able to do. Chekhov is one of usso close to on hamlet today’s world, to my mind, and underlying thinking very close to the Southwhich Stark Young pointed out a long time ago. Why is Chekhov close to today’s South? He loved the singularity in people, the individuality. He took for literary criticism on hamlet, granted the sense of family. He had the assumptions critical thinking sense of fate overtaking a way of thesis analysis market, life, and thinking his Russian humor seems to me kin to the humor of a Southerner.
It’s the ocr as level ict coursework kind that lies mostly in character. You know, in Uncle Vanya and assumptions critical The Cherry Orchard , how people are always gathered together and talking and talking, no one’s really listening. Write. Yet there’s a great love and underlying critical understanding that prevails through it, and a knowledge and colleg essay acceptance of each other’s idiosyncrasies, a tolerance of them, and also an acute enjoyment of the dramatic. Like in The Three Sisters , when the fire is going on, how they talk right on through their exhaustion, and Vershinin says, “I feel a strange excitement in thinking the air,” and inheritance laughs and sings and underlying assumptions critical talks about the future. That kind of responsiveness to the world, to whatever happens, out of their own deeps of essays on hamlet, character seems very southern to me. Anyway, I took a temperamental delight in underlying assumptions Chekhov, and gradually the connection was borne in upon me. Do you ever return to Virginia Woolf? Yes. She was the one who opened the door. When I read To the Lighthouse , I felt, Heavens, what is write not plagiarized, this?
I was so excited by underlying assumptions thinking, the experience I couldn’t sleep or eat. I’ve read it many times since, though more often these days I go back to thesis technical analysis stock her diary. Any day you open it to will be tragic, and yet all the marvelous things she says about her work, about working, leave you filled with joy that’s stronger than your misery for her. Remember“I’m not very far along, but I think I have my statues against the sky”?* Isn’t that beautiful? About your own work, are you surprised that Losing Battles was on the best-seller lista first for you, I believe? It occurred to me right at first it must be a flukethat whoever had that place on the best-seller list had just got up and given me his seatlet the assumptions critical thinking lady sit down, she’s tottering. Colleg Essay. Yet any reception would have surprised meor you could just as well say nothing would have surprised me, because I wasn’t thinking of how it would be received when I wrote it.
I thought about the opinion of a handful of friends I would love to have love that book, but not about the public. Do you write for critical thinking, your friends? At the time of colleg essay, writing, I don’t write for my friends or myself, either; I write for it , for the pleasure of it . I believe if I stopped to wonder what So-and-so would think, or what I’d feel like if this were read by a stranger, I would be paralyzed. I care what my friends think, very deeplyand it’s only after they’ve read the finished thing that I really can rest, deep down. But in underlying the writing, I have to is the thesis statement located position paper just keep going straight through with only the thing in mind and what it dictates. It’s so much an inward thing that reading the proofs later can be a real shock. When I received them for assumptions critical thinking, my first bookno, I guess it was for literary criticism, Delta Wedding I thought, I didn’t write this.
It was a page of dialogueI might as well have never seen it before. Critical. I wrote to my editor, John Woodburn, and told him something had happened to that page in the typesetting. Not Plagiarized. He was kind, not even surprisedmaybe this happens to underlying all writers. He called me up and technical read me from the manuscriptword for word what the proofs said. Proofs don’t shock me any longer, yet there’s still a strange moment with every book when I move from the position of writer to the position of underlying thinking, reader, and I suddenly see my words with the eyes of the where is the thesis in a position weegy cold public. Underlying Assumptions Critical. It gives me a terrible sense of exposure, as if I’d gotten sunburned. Do you make changes in galleys? I correct or change words, but I can’t rewrite a scene or make a major change because there’s a sense then of someone looking over my shoulder. My Paper. It’s necessary, anyway, to trust that moment when you were sure at last you had done all you could, done your best for that time. When it’s finally in print, you’re deliveredyou don’t ever have to look at it again.
It’s too late to worry about its failings. I’ll have to apply any lessons this book has taught me toward writing the next one. Is Losing Battles a departure from your previous fiction? I wanted to see if I could do something that was new for me: translating every thought and feeling into action and speech, speech being another form of actionto bring the whole life of assumptions critical, it off through the completed gesture, so to speak. I felt that I’d been writing too much by inheritance by hannie essays, way of description, of introspection on the part of my characters. I tried to underlying assumptions see if I could make everything shown, brought forth, without benefit of the author’s telling any more about what was going on inside the characters’ minds and hearts. For me, this makes almost certainly for write not plagiarized, comedywhich I love to write best of all. Now I see it might be a transition toward writing a play. Did you know what you were going to critical thinking write before you put it on paper? Yes, it was there in my head, but events proliferated as I went along.
For instance, I thought all the on hamlet action in the novel would be contained in critical thinking one day and night, but a folder started to fill up with things marked “Next A.M.” I didn’t foresee the stories that grew out technical stock market, of the storiesthat was one of the joys of working the novel out. I thought the book would be short, and instead it was three or four times longer than my normal work. Underlying Thinking. There’s no way of estimating its original length because I had great chunks of is the thesis statement located position paper, things in paper clips, which weren’t numbered until they went to the printer. And I must have thrown away at underlying critical least as much as I kept in the book. Did you learn anything new about writing dialogue? I believe so. In its beginning, dialogue’s the easiest thing in the world to write when you have a good ear, which I think I have. But as it goes on, it’s the most difficult, because it has so many ways to ocr as level function. Sometimes I needed to make a speech do three or four or five things at oncereveal what the character said but also what he thought he said, what he hid, what others were going to think he meant, and what they misunderstood, and so forthall in his single speech.
And the speech would have to underlying assumptions thinking keep the essence of this one character, his whole particular outlook in concentrated form. This isn’t to say I succeeded. But I guess it explains why dialogue gives me my greatest pleasure in writing. I used to laugh out loud sometimes when I wrote itthe way P. G. Technical Market. Wodehouse is said to do. I’d think of some things my characters would say, and even if I couldn’t use it, I would write the scene out just to let them loose on somethingmy private show. Sign up for thinking, the Paris Review newsletter and keep up with news, parties, readings, and colleg essay more. Join the writers and assumptions staff of The Paris Review at our next event.
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43 Resume Tips That Will Help You Get Hired. Underlying Assumptions Thinking. When you haven’t updated your resume in a while, it can be hard to colleg essay know where to start. What experiences and accomplishments should you include for the jobs you’ve got your eye on? What new resume rules and trends should you be following? And seriously, one page or two? Well, search no more: We’ve compiled all the resume advice you need into one place. Read on underlying assumptions critical, for tips and tricks that’ll make sure you craft a winning resume—and help you land a job. Your resume should not have every work experience you’ve ever had listed on it. By Hannie. Think of your resume not as a comprehensive list of assumptions thinking your career history, but as a marketing document selling you as the perfect person for the job. For each resume you send out, you’ll want to highlight only the accomplishments and skills that are most relevant to the job at literary criticism essays hand (even if that means you don’t include all of your experience). Job search expert Lily Zhang explains more about assumptions critical, what it means to tailor your resume here . 2. But Keep a Master List of literary on hamlet All Jobs.
Since you’ll want to be swapping different information in and out depending on critical thinking, the job you’re applying to, keep a resume master list on your computer where you keep any information you’ve ever included on literary criticism essays, a resume: old positions, bullet points tailored for different applications, special projects that only sometimes make sense to include. Then, when you’re crafting each resume, it’s just a matter of cutting and pasting relevant information together. Think of this as your brag file . 3. Put the underlying thinking, Best Stuff “Above the Fold” In marketing speak, “above the fold” refers to what you see on the front half of a folded newspaper (or, in the digital age, before you scroll down on a website), but basically it’s your first impression of a document. In resume speak, it means you should make sure your best experiences and accomplishments are visible on the top third of your resume. This top section is what the hiring manager is going to see first—and what will serve as a hook for someone to keep on reading. So focus on putting your best, most relevant experiences first—and then check out these five other marketing tricks to get your resume noticed . According to Zhang , the only occasion when an objective section makes sense is when you’re making a huge career change and need to explain from the get-go why your experience doesn’t match up with the by hannie rayson, position you’re applying to. In every other case? Consider whether a summary statement would be right for you —or just nix it altogether to save space and focus on making the rest of underlying assumptions critical your resume stellar. There are lots of different ways to organize the information on ocr as ict coursework, your resume, but the underlying assumptions critical, good old reverse chronological (where your most recent experience is listed first) is still your best bet. Write Not Plagiarized. Unless it’s absolutely necessary in your situation, skip the skills-based resume—hiring managers might wonder what you’re hiding. The two- (or more!) page resume is underlying assumptions, a hotly debated topic , but the thesis technical analysis market, bottom line is this—you want the information here to be concise, and making yourself keep it to one page is a good way to underlying thinking force yourself to do this.
If you truly have enough relevant and important experience, training, and credentials to showcase on more than one page of your resume, then go for it. But if you can tell the ocr as ict coursework, same story in less space? Do. Underlying Assumptions Critical. If you’re struggling, check out these tips for colleg essay, cutting your content down , or work with a designer to thinking see how you can organize your resume to essays fit more in less space. Can’t figure out how to tell your whole story on one page, or want to be able to include some visual examples of assumptions critical thinking your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to your personal website , where you can dive more into what makes you the located paper, ideal candidate. Assumptions Critical. We’ll talk about getting creative in ocr as level order to stand out in a minute. But the most basic principle of good resume formatting and design? Keep it simple.
Use a basic but modern font, like Helvetica, Arial, or Century Gothic. Make your resume easy on hiring managers’ eyes by using a font size between 10 and 12 and leaving a healthy amount of underlying white space on the page. You can use a different font or typeface for your name, your resume headers, and the companies for which you’ve worked, but keep it simple and keep it consistent. Your main focus here should be on readability for the hiring manager. That being said, you should feel free to… Really want your resume stand out from the sea of Times New Roman? Yes, creative resumes—like infographics, videos, or presentations—or resumes with icons or graphics can set you apart, but you should use them thoughtfully.
If you’re applying through an colleg essay ATS, keep to the standard formatting without any bells and thinking, whistles so the computer can read it effectively. If you’re applying to a more traditional company, don’t get too crazy, but feel free to add some tasteful design elements or a little color to make it pop. No matter what, don’t do it unless you’re willing to put in the time, creativity, and level, design work to make it awesome. 10. Underlying. Make Your Contact Info Prominent. Thesis Analysis. You don’t need to underlying critical include your address on your resume anymore (really!), but you do need to not plagiarized make sure to include a phone number and professional email address (not your work address!) as well as other places the hiring manager can find you on the web, like your LinkedIn profile and Twitter handle. (Implicit in this is that you keep these social media profiles suitable for prospective employers.) You’ve heard before that hiring managers don’t spend a lot of underlying assumptions time on each individual resume. So help them get as much information as possible, in colleg essay as little time as possible.
These 12 small formatting changes will make a huge difference. Critical Thinking. Know that design skills aren’t your strong suit but want your resume to look stunning? There’s no shame in getting help, so consider working with a professional resume designer. This is arguably the most important document of your job search, so it’s worth getting it exactly right! 13. Keep it Recent, Keep it Relevant. As a rule, you should only show the most recent 10-15 years of your career history and only include the experience relevant to the positions to thesis statement located in a position weegy which you are applying. Underlying Thinking. And remember to allocate real estate on your resume according to importance.
If there’s a choice between including one more college internship or going into more detail about your current role, always choose the latter (unless a previous job was more relevant to market the one you’re applying to). 14. Assumptions Critical. No Relevant Experience? No Worries! Don’t panic if you don’t have any experience that fits the bill. Instead, Zhang explains , focus your resume on your relevant and transferrable skills along with any related side or academic projects, and then make sure to literary criticism essays on hamlet pair it with a strong cover letter telling the narrative of why you’re ideal for the job. No matter how long you’ve been in underlying assumptions critical thinking a job, or how much you’ve accomplished there, you shouldn’t have more than five or six bullets in a given section. No matter how good your bullets are, the recruiter just isn’t going to get through them.
Check out criticism on hamlet these tips for writing impressive bullet points . You may be tempted to assumptions critical throw in tons of ocr as ict coursework industry jargon so you sound like you know what you’re talking about, but ultimately you want your resume to be understandable to the average person. Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executive—and you want to be sure that it is readable, relevant, and interesting to assumptions critical all of them. Ocr As Level Ict Coursework. Use as many facts, figures, and assumptions critical, numbers as you can in your bullet points. How many people were impacted by your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the hiring manager to picture the level of work or responsibility you needed to achieve them. Even if you don’t actually work with numbers, here are some secrets to adding more to your resume . People hire performers, so you want to show that you didn’t just do stuff, but that you got stuff done!
As you look at colleg essay your bullet points, think about how you can take each statement one step further and add in what the benefit was to underlying assumptions critical thinking your boss or your company. By doing this, you clearly communicate not only what you’re capable of, but also the direct benefit the is the position paper, employer will receive by hiring you. If you’re not sure how to explain your impact, check out these tips for turning your duties into accomplishments . Describing soft skills on a resume often starts to underlying assumptions thinking sound like a list of thesis stock meaningless buzzwords, fast. But being a “strong leader” or an “effective communicator” are important characteristics you want to get across. Underlying Critical. Think about how you can demonstrate these attributes in your bullet points without actually saying them. Criticism Essays On Hamlet. Zhang demonstrates here how you can show five different qualities with the underlying assumptions, same bullet point—try it yourself until you get the result you’re going for! 20. Don’t Neglect Non-Traditional Work.
There’s no law that says you can only put full-time or paid work on your resume. On Hamlet. So, if you’ve participated in underlying assumptions critical a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own “jobs” within your career chronology. Write Not Plagiarized. If every bullet in your resume starts with “Responsible for,” readers will get bored very quickly. Use our handy list of better verbs to mix it up ! Use keywords in assumptions critical thinking your resume: Scan the job description, see what words are used most often, and make sure you’ve included them in your bullet points. Not only is this a self-check that you’re targeting your resume to the job, it’ll make sure you get noticed in colleg essay applicant tracking systems. Stuck on which words to underlying include? Dump the job description into a tool like TagCrowd , which will analyze and analysis market, spit out the most used keywords. What words shouldn’t you include? Detail-oriented, team player, and hard worker—among other vague terms that recruiters say are chronically overused . We bet there’s a better way to describe how awesome you are. Underlying. 24.
Experience First, Education Second. Unless you’re a recent graduate, put your education after your experience. Position. Chances are, your last couple of jobs are more important and relevant to you getting the underlying, job than where you went to colleg essay college. 25. Also Keep it Reverse Chronological. Usually, you should lay down your educational background by listing the most recent or advanced degree first, working in critical reverse chronological order. But if older coursework is more specific to write not plagiarized the job, list that first to grab the reviewer’s attention. Don’t list your graduation dates. Underlying Thinking. The reviewer cares more about ocr as ict coursework, whether or not you have the degree than when you earned it. If you graduated from college with high honors, absolutely make note of it. While you don’t need to list your GPA, don’t be afraid to showcase that summa cum laude status or the fact that you were in underlying assumptions thinking the honors college at your university.
28. Include Continuing or Online Education. Don’t be afraid to literary essays include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light. Kelli Orrela explains , “Online courses are a more-than-accepted norm nowadays, and your participation in them can actually show your determination and motivation to get the skills you need for your career.” Be sure to thinking add a section that lists out all the relevant skills you have for a position, including tech skills like HTML and Adobe Creative Suite and any industry-related certifications. Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word.
Doing so will actually make you seem less technologically savvy. If you have lots of skills related to a position—say, foreign language, software, and leadership skills—try breaking out one of those sections and thesis technical analysis market, listing it on its own. Below your “Skills” section, add another section titled “Language Skills” or “Software Skills,” and detail your experience there. Again—we’re going for skimmability here, folks! Feel free to include an “Interests” section on your resume, but only add those that are relevant to the job. Are you a guitar player with your eye on a music company? Definitely include it. But including your scrapbooking hobby for a tech job at a healthcare company? Don’t even think about it. 32. Beware of Interests That Could Be Controversial.
Maybe you help raise money for underlying, your church on ocr as level ict coursework, the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of underlying critical work ethic—but they could also be discriminated against by someone who disagrees with the cause. Zhang explains here how to weigh the decision of whether to include them or not. Do include awards and where thesis in a position paper weegy, accolades you’ve received, even if they’re company-specific awards. Just state what you earned them for, e.g., “Earned Gold Award for having the company’s top sales record four quarters in a row.” What about personal achievements—like running a marathon—that aren’t totally relevant but show you’re a driven, hard worker?
Zhang shares the proper ways to include them. Gaps and Other Sticky Resume Situations. If you stayed at critical thinking a (non-temporary) job for only a matter of months, consider eliminating it from your resume. Where Is The Statement In A. According to The New York Times ’ career coach , leaving a particularly short-lived job or two off your work history shouldn’t hurt, as long as you’re honest about your experience if asked in an interview. Underlying Assumptions Thinking. If you have gaps of a few months in your work history, don’t list the usual start and end dates for each position. Inheritance Rayson Essays. Use years only (2010-2012), or just the critical, number of years or months you worked at your earlier positions. Ocr As Ict Coursework. If you’ve job-hopped frequently, include a reason for underlying thinking, leaving next to by hannie rayson each position, with a succinct explanation like “company closed,” “layoff due to downsizing,” or “relocated to underlying new city.” By addressing the gaps, you’ll proactively illustrate the reason for your sporadic job movement and make it less of an ocr as level issue. Re-entering the underlying, workforce after a long hiatus?
This is the perfect opportunity for a summary statement at the top, outlining your best skills and not plagiarized, accomplishments. Then, get into your career chronology, without hesitating to underlying assumptions critical include part-time or volunteer work. My Paper. See more tips from assumptions critical Jenny Foss for killing it on your comeback resume. Don’t try to creatively fill in analysis gaps on your resume. Underlying Critical. For example, if you took time out of the workforce to raise kids, don’t list your parenting experience on your resume, a la “adeptly managed the growing pile of laundry” (we’ve seen it). Ocr As Level Ict Coursework. While parenting is as demanding and intense a job as any out there, most corporate decision makers aren’t going to take this section of your resume seriously. Thinking. 39. Thesis Technical Analysis. Ditch “References Available Upon Request” If a hiring manager is interested in you, he or she will ask you for references—and will assume that you have them. There’s no need to address the obvious (and doing so might even make you look a little presumptuous!). Underlying Thinking. It should go without saying, but make sure your resume is free and clear of typos.
And don’t rely on spell check and grammar check alone—ask family or friends to take a look at it for you (or get some tips from an editor on inheritance by hannie essays, how to perfect your own work ). Underlying Critical Thinking. If emailing your resume, make sure to always send a PDF rather than a .doc. Literary Essays. That way all of your careful formatting won’t accidentally get messed up when the hiring manager opens it on his or her computer. To make sure it won’t look wonky when you send it off, Google’s head of HR Laszlo Bock suggests, “Look at it in both Google Docs and Word, and then attach it to an email and open it as a preview.” Ready to save your resume and send it off? Save it as “Jane Smith Resume” instead of “Resume.” It’s one less step the assumptions, hiring manager has to analysis stock take. Carve out some time every quarter or so to pull up your resume and make some updates. Have you taken on critical thinking, new responsibilities? Learned new skills? Add them in. When your resume is updated on a regular basis, you’re ready to technical analysis stock pounce when opportunity presents itself. And, even if you’re not job searching, there are plenty of good reasons to keep this document in assumptions tip-top shape.
Photo courtesy of is the thesis statement in a Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is passionate about elevating the standard of writing on the web. Erin previously helped build The Muse’s beloved daily publication and assumptions critical, led the company’s branded content team. If you’re an individual or company looking for help making your content better—or you just want to go out to tea—get in write my paper not plagiarized touch at eringreenawald.com. Hmmm, seems you#39;ve already signed up for this class. While you#39;re here, you may as well check out all the amazing companies that are hiring like crazy right now.
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Critical Thinking 3: Assumptions | Middle Way Society
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 underlying thinking market rather than at my paper not plagiarized the lower of cost or market, which was previously the requirement. In this table, Berkshire's results through 1978 have been restated to conform to the changed rules. In all other respects, the results are calculated using the critical thinking numbers originally reported. The SP 500 numbers are pre-tax whereas the Berkshire numbers are after-tax . If a corporation such as Berkshire were simply to have owned the SP 500 and 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 ocr as ict coursework 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.: Berkshire’s 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 6.2%.
Over the last 37 years (that is, since present management took over) per-share book value has grown from underlying assumptions critical thinking $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 by hannie rayson essays stock that the 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 Owner’s Manual, which begins on page 62. I urge new shareholders to read this manual to assumptions thinking, become familiar with Berkshire’s key economic principles.
Two years ago, reporting on 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 I’ve had since forming my first investment partnership on inheritance essays, 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 underlying assumptions critical thinking the general experience in securities. We initially used the Dow Jones Industrials as our benchmark, but shifted to the SP 500 when that index became widely used. Our comparative record since 1965 is chronicled on the facing page; last year Berkshire’s advantage was 5.7 percentage points.
Some people disagree with our focus on relative figures, arguing that you can’t eat relative performance. But if you expect ? as Charlie Munger, Berkshire’s Vice Chairman, and I do ? that owning the where thesis statement in a position weegy 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 See’s (which loses considerable money during the summer months) so, too, can you regularly feast on investment returns that beat the underlying assumptions critical averages, however variable the absolute numbers may be. Though our corporate performance last year was satisfactory, my performance was anything but. Rayson Essays! I manage most of critical thinking, Berkshire’s equity portfolio, and my results were poor, just as they have been for several years. Of even more importance, I allowed General Re to ict coursework, take on underlying assumptions thinking, business without a safeguard I knew was important, and on September 11 th , this error caught up with us. I’ll tell you more about my mistake later and colleg essay what we are doing to correct it. Another of my 1956 Ground Rules remains applicable: I cannot promise results to partners. But Charlie and 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 Berkshire. My wife and I have never sold a share nor do we intend to. Underlying Assumptions! Charlie and I are disgusted by the situation, so common in thesis technical analysis stock market, the last few years, in underlying assumptions critical thinking, which shareholders have suffered billions in inheritance, losses while the 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 underlying critical thinking, shareholder abuse, there is inheritance essays, no shortage of assumptions, egregious conduct elsewhere in corporate America. One story I’ve heard illustrates the inheritance rayson essays all-too-common attitude of managers toward owners: A gorgeous woman slinks up to a CEO at a party and through moist lips purrs, I’ll do anything ? anything ? you want.
Just tell me what you would like. With no hesitation, he replies, Reprice my options. One final thought about Berkshire: In the future we won’t come close to replicating our past record. Underlying Critical! To be sure, Charlie and I will strive for literary, above-average performance and underlying critical thinking will not be satisfied with less. By Hannie Essays! 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 critical thinking more important, we were then working with far less money than we now have. Where Thesis Located! Some years back, a good $10 million idea could do wonders for us (witness our investment in Washington Post in underlying assumptions, 1973 or GEICO in 1976). Today, the combination of ten such ideas and a triple in the value of each would increase the stock net worth of Berkshire by only ¼ of 1%. We need elephants to assumptions thinking, 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. Write Not Plagiarized! (You can read about many of critical thinking, them in a new book by Robert P. Miles: The Warren Buffett CEO .) In large part, moreover, they are running businesses with economic characteristics ranging from rayson essays good to underlying critical thinking, 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 leave us to work elsewhere. Our star-studded group grew in colleg essay, 2001. First, we completed the purchases of two businesses that we had agreed to buy in assumptions thinking, 2000 ? Shaw and inheritance by hannie essays 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 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 assumptions thinking, the fine companies they already owned. Not Plagiarized! We will continue to follow our familiar formula, striving to underlying critical, 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 year’s annual meeting, I received a heavy package from write my paper not plagiarized St.
Louis, containing an unprepossessing chunk of metal whose function I couldn’t imagine. There was a letter in the package, though, from Gene Toombs, CEO of a company called MiTek. He explained that MiTek is the world’s leading producer of this thing I’d received, a connector plate, which is critical, used in making roofing trusses. Gene also said that the U.K. parent of MiTek wished to sell the company and that Berkshire seemed to him the ideal buyer. Liking the sound of his letter, I gave Gene a call. It took me only a minute to realize that he was our kind of manager and MiTek our kind of business. We made a cash offer to the U.K. owner and my paper before long had a deal. Gene’s managerial crew is critical thinking, exceptionally enthusiastic about the company and wanted to ocr as ict coursework, participate in the purchase. Therefore, we arranged for 55 members of the thinking MiTek team to buy 10% of the thesis technical analysis company, with each putting up a minimum of underlying thinking, $100,000 in cash. Many borrowed money so they could participate.
As they would not be if they had options, all of these managers are true owners . Essays! They face the assumptions thinking downside of analysis stock market, decisions as well as the upside. They incur a cost of assumptions, capital. And they can’t reprice their stakes: What they paid is what they live with. Charlie and I love the high-grade, truly entrepreneurial attitude that exists at colleg essay 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 these was XTRA, a leading lessor of truck trailers.
I then called Julian, asking whether he might consider selling his XTRA block or whether, for that matter, the company’s management might entertain an offer for the entire company. Julian referred me to Lew Rubin, XTRA’s CEO. Underlying Thinking! He and I had a nice conversation, but it was apparent that no deal was to be done. Then in June 2001, Julian called to technical analysis market, 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 underlying thinking, be effectuated through a tender offer expiring on September 11 th . The tender conditions included the usual out, allowing us to withdraw if the stock market were to close before the offer’s expiration. Throughout much of the 11 th , Lew went through a particularly wrenching experience: First, he had a son-in-law working in where is the located, the World Trade Center who couldn’t be located; and second, he knew we had the thinking option of backing away from our purchase. The story ended happily: Lew’s son-in-law escaped serious harm, and colleg essay Berkshire completed the transaction. Trailer leasing is a cyclical business but one in thinking, which we should earn decent returns over time. Lew brings a new talent to Berkshire, and write not plagiarized we hope to expand in leasing. On December 3 rd , I received a call from underlying assumptions critical thinking Craig Ponzio, owner of criticism essays, Larson-Juhl, the U.S. leader in custom-made picture frames. 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 underlying critical thinking, $300 million.
Though I had never heard of Larson-Juhl before Craig’s call, a few minutes talk with him made me think we would strike a deal. He was straightforward in 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. Ocr As Level! 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 underlying assumptions, Fruit of the Loom. The company entered bankruptcy a few years back, a victim both of inheritance by hannie rayson essays, 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 the three managers of underlying, 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 a declining business.
At the ocr as time, I had a significant portion of my limited net worth invested in PR shares, reflecting my faith in underlying assumptions critical thinking, the business talents of my bosses, Ben Graham, Jerry Newman and colleg essay Howard (Micky) Newman. This faith was rewarded when PR purchased the underlying critical thinking Union Underwear Company from Jack Goldfarb for $15 million. Union (though it was then only a licensee of the my paper name) produced Fruit of the Loom underwear. Underlying Thinking! The company possessed $5 million in not plagiarized, cash ? $2.5 million of which PR used for the purchase ? and was earning about underlying assumptions thinking, $3 million pre-tax, earnings that could be sheltered by the tax position of colleg essay, PR. And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from assumptions critical 50% of any earnings Union had in excess of $1 million. ( Those were the write days; I get goosebumps just thinking about assumptions thinking, 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 Fruit’s operations in its most bountiful years. In 1996, however, John retired, and management loaded the company with debt, in part to make a series of acquisitions that proved disappointing. Write Not Plagiarized! Bankruptcy followed.
John was then rehired, and he undertook a major reworking of operations. Before John’s return, deliveries were chaotic, costs soared and relations with key customers deteriorated. While correcting these problems, John also reduced employment from a bloated 40,000 to 23,000. In short, he’s been restoring the critical thinking old Fruit of the Loom, albeit in a much more competitive environment. Stepping into where statement located in a position weegy Fruit’s bankruptcy proceedings, we made a proposal to critical, creditors to which we attached no financing conditions, even though our offer had to ocr as ict coursework, 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 the brand are Fruit’s 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 underlying assumptions I can’t resist telling you about one. In December, Frank Rooney called to write my paper, tell me H.H. Brown was buying the inventory and trademarks of Acme Boot for $700,000. That sounds like small potatoes. Assumptions Thinking! 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 write, a business with sales of $7 million. After PR merged with Northwest, Acme grew to be the world’s largest bootmaker, delivering annual profits many multiples of what the company had cost PR. But the business eventually hit the skids and never recovered, and that resulted in our purchasing Acme’s 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. Underlying Assumptions! 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 thesis analysis, bolt-on acquisitions, our managers continually look for ways to grow internally. Critical! In that regard, here’s a postscript to a story I told you two years ago about R.C. Willey’s move to Boise. As you may remember, Bill Child, R.C. Willey’s 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 Sunday policy that defied conventional retailing wisdom. Inheritance Rayson! I was skeptical that this policy could succeed in assumptions critical thinking, Boise or, for that matter, anyplace outside of ocr as level ict coursework, 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 thinking, his own money to build the Boise store and would sell it to Berkshire at inheritance rayson cost (without interest!) if the venture succeeded. If it failed, Bill would keep the underlying assumptions thinking store and eat the where located position weegy loss on its disposal.
As I told you in underlying critical thinking, the 1999 annual report, the store immediately became a huge success ? and it has since grown. Shortly after the Boise opening, Bill suggested we try Las Vegas, and this time I was even more skeptical. How could we do business in colleg essay, a metropolis of that size and be closed on Sundays, a day that all of our competitors would be exploiting? Buoyed by thinking the Boise experience, however, we proceeded to locate in Henderson, a mushrooming city adjacent to write my paper not plagiarized, Las Vegas. The result: This store outsells all others in the R.C. Willey chain, doing a volume of business that far exceeds the volume of any competitor and that is twice what I had anticipated. I cut the ribbon at the grand opening in October ? this was after a soft opening and underlying a few weeks of thesis analysis, exceptional sales ? and, just as I did at Boise, I suggested to thinking, the crowd that the new store was my idea.
It didn’t work. Today, when I pontificate about thesis technical market, retailing, Berkshire people just say, What does Bill think? (I’m going to assumptions critical, draw the line, however, if he suggests that we also close on ocr as, 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 assumptions, evaluate an not plagiarized insurance company. The key determinants are: (1) the amount of underlying assumptions, float that the where is the thesis statement position business generates; (2) its cost; and (3) most critical of all, the long-term outlook for 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 assumptions critical many years. During that time, the insurer invests the money.
This pleasant activity typically carries with it a downside: The premiums that an insurer takes in usually do not cover the losses and expenses it eventually must pay. That leaves it running an underwriting loss, which is the analysis stock market cost of float. An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the critical thinking business is a lemon if its cost of float is higher than market rates for money. Historically, Berkshire has obtained its float at a very low cost. Level! Indeed, our cost has been less than zero in about half of the years in which we've operated; that is, we've actually been paid for underlying critical thinking, holding other people's money. Over the last few years, however, our cost has been too high, and in 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 ocr as business 35 years ago upon acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).
For the thinking table we have calculated our float ? which we generate in large amounts relative to our premium volume ? by 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 level 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%. Underlying! I had in mind natural catastrophes when I said that, but instead we were hit by paper weegy a man-made catastrophe on underlying, September 11 th ? an event that delivered the is the in a position paper insurance industry its largest loss in history. Our float cost therefore came in at a staggering 12.8%. It was our worst year in float cost since 1984, and assumptions critical a result that to criticism, 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 assumptions, be low in the coming year. 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 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 colleg essay annual underwriting loss of about $425 million. Principles of Insurance Underwriting. When property/casualty companies are judged by their cost of 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 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 underlying assumptions critical thinking 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 literary criticism on hamlet, a manner that guarantees they will suffer no aggregation of losses from underlying assumptions critical a single event or 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. Thesis In A Weegy! While most policyholders and clients are honorable and ethical, doing business with the few exceptions is underlying assumptions, usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to where is the located weegy, the past and taken into account only costs we might expect to incur from windstorm, fire, explosion and earthquake. But what will be the underlying thinking largest insured property loss in 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 colleg essay, experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of underlying assumptions, 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 ocr as past century have registered 6.0 or greater on the Richter scale. This information will not tell you the assumptions thinking exact probability of a big quake next year, or where in the state it might happen. But the 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 colleg essay directors and critical officers liability insurance (DO) are likely to be relatively rare.
When stocks are rising, there are a scarcity of thesis stock market, targets to sue, and both questionable accounting and management chicanery often go undetected. At that juncture, experience on underlying assumptions critical thinking, high-limit DO may look great. But that's just when exposure is likely to be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and a potpourri of 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 rayson, hit insurers with verdicts that bear little relation to those delivered in underlying thinking, bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in later cases to mushroom. Where Thesis Statement Located Position Paper Weegy! Consequently, the underlying assumptions 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 ocr as level ict coursework, the case of critical thinking, terrorism, however, could literally bankrupt the industry. No one knows the probability of a nuclear detonation in is the thesis statement, 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 thinking, this year, or another, of level ict coursework, 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 such mind-boggling disasters, though likely very low at present, is not zero. The probabilities are increasing, in assumptions, an irregular and immeasurable manner, as knowledge and materials become available to my paper not plagiarized, those who wish us ill. Fear may recede with time, but the danger won't ? the war against 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 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 underlying assumptions thinking, a prospective basis, the level general citizenry must bear its own risks and underlying assumptions thinking count on the Government to come to where is the statement located in a position paper, its rescue after a disaster occurs. Why, you might ask, didn't I recognize the underlying critical thinking 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 General Re in particular. I'm sorry to say that much risk for criticism on hamlet, 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 assume more risk than any other insurer has knowingly taken on. Underlying Assumptions Critical Thinking! That's still the case. We are perfectly willing to lose $2 billion to $2½ 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 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 ict coursework, a terrible year.
The bottom-line today is that we will write some coverage for assumptions critical, 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 2001. Over the years, our insurance business has provided ever-growing, low-cost funds that have fueled much of Berkshire's growth. Charlie and my paper I believe this will continue to be the case. But we stumbled in a big way in 2001, largely because of underlying assumptions critical, underwriting losses at General Re. In the past I have assured you that General Re was underwriting with discipline ? and stock market I have been proven wrong.
Though its managers' intentions were good, the assumptions company broke each of the three underwriting rules I set forth in the last section and ict coursework 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 the next section ? and therefore severely miscalculated the cost of the critical thinking product it was selling. Essays! Not knowing your costs will cause problems in assumptions thinking, 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 where thesis paper, nonetheless difficult for underlying assumptions critical thinking, able, hard-driving professionals to colleg essay, curb their urge to prevail over competitors. If winning, however, is equated with market share rather than profits, trouble awaits. Assumptions Critical! 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 my paper not plagiarized, September and, along with Tad Montross, its new president, is assumptions, 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 smart, energetic, hands-on, and expects much of not plagiarized, both himself and his organization. When it was an independent company, General Re often shone, and now it also has the considerable strengths Berkshire brings to the table. With that added advantage and with underwriting discipline restored, General Re should be a huge asset for 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 assets, and the largest, based upon the size of underlying, individual risks assumed. I have known the details of almost every policy that Ajit has written since he came with us in 1986, and never on even a single occasion have I seen him break any of thesis analysis stock market, our three underwriting rules.
His extraordinary discipline, of course, does not eliminate losses; it does, however, prevent foolish losses. Assumptions Critical Thinking! And that's the key: Just as is the case in investing, insurers produce outstanding long-term results primarily by avoiding dumb decisions, rather than by making brilliant ones. Since September 11 th , Ajit has been particularly busy. Among the policies we have written and ocr as level ict coursework 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 non-cancelable third-party liability coverage for losses arising from acts of underlying critical, terrorism at several large international airlines; (3) £500 million of literary criticism, property coverage on a large North Sea oil platform, covering losses from terrorism and underlying assumptions thinking sabotage, above £600 million that the insured retained or reinsured elsewhere; and (4) significant coverage on literary, 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 underlying critical, the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to avoid writing groups of technical, policies from which losses might seriously aggregate. We will not, for example, write coverages on a large number of office and apartment towers in a single metropolis without excluding losses from both a nuclear explosion and underlying the fires that would follow it. No one can match the speed with which Ajit can offer huge policies. After September 11 th , his quickness to is the located paper, respond, always important, has become a major competitive advantage. Assumptions Critical! So, too, has our unsurpassed financial strength. Some reinsurers ? particularly those who, in turn, are accustomed to laying off much of literary, their business on a second layer of 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. Assumptions Critical! In assessing the soundness of their reinsurance protection, insurers must therefore apply a stress test to all participants in the chain, and must contemplate a catastrophe loss occurring during a very unfavorable economic environment. After all, you only find out colleg essay who is underlying thinking, swimming naked when the tide goes out. At Berkshire, we retain our risks and depend on no one. Statement Located Weegy! 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 far our largest primary insurer, made major progress in critical thinking, 2001, thanks to Tony Nicely, its CEO, and literary 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 underlying assumptions it achieved an underwriting profit of $221 million. This means we were actually paid that amount last year to hold the $4.25 billion in colleg essay, float, which of course doesn't belong to Berkshire but can be used by us for investment. The only disappointment at assumptions critical GEICO in 2001 ? and where thesis located in a paper weegy it's an important one ? was our inability to add policyholders. Our preferred customers (81% of our total) grew by thinking 1.6% but our standard and non-standard policies fell by 10.1%. Colleg Essay! Overall, policies in force fell .8%. New business has improved in underlying assumptions, recent months. Inheritance By Hannie Rayson Essays! Our closure rate from telephone inquiries has climbed, and our Internet business continues its steady growth. We, therefore, expect at least a modest gain in 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 far below those of underlying, our major competitors; our prices are attractive; and our float is cost-free and growing. Our other primary insurers delivered their usual fine results last year. These operations, run by Rod Eldred, John Kizer, Tom Nerney, Michael Stearns, Don Towle and Don Wurster had combined premium volume of $579 million, up 40% over inheritance by hannie rayson 2000. Their float increased 14.5% to $685 million, and they recorded an underwriting profit of $30 million.
In aggregate, these companies are one of the finest insurance operations in underlying critical thinking, the country, and their 2002 prospects look excellent. Loss Development and Insurance Accounting. Bad terminology is the enemy of good thinking. When companies or investment professionals use terms such as EBITDA and pro forma, they want you to unthinkingly accept concepts that are dangerously flawed. On Hamlet! (In golf, my score is frequently below par on underlying assumptions, a pro forma basis: I have firm plans to analysis stock market, restructure my putting stroke and therefore only count the swings I take before reaching the green.) In insurance reporting, loss development is a widely used term ? and thinking one that is seriously misleading. By Hannie Rayson! First, a definition: Loss reserves at underlying assumptions critical an insurer are not funds tucked away for a rainy day, but rather a liability account. Ict Coursework! If properly calculated, the assumptions thinking liability states the amount that an insurer will have to my paper not plagiarized, pay for assumptions thinking, 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 many of the losses it is destined to pay, but others will not yet have been reported to it. Criticism Essays On Hamlet! These losses are called IBNR, for incurred but not reported. Indeed, in underlying critical thinking, some cases (involving, say, product liability or embezzlement) the insured itself will not yet be aware that a loss has occurred.
It's clearly difficult for an insurer to put a figure on the ultimate cost of all such reported and unreported events. But the ability to do so with reasonable accuracy is vital. Otherwise the insurer's managers won't know what its actual loss costs are and 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 thesis located paper selling more and 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. In the critical year discovered, these shortfalls penalize reported earnings because the catch-up costs from ocr as prior years must be added to current-year costs when results are calculated. This is what happened at General Re in underlying assumptions, 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 my paper not plagiarized, several years, this underreserving caused us to believe that our costs were much lower than they truly were, an error that contributed to assumptions critical, 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 colleg essay, the current year, and reserve strengthening implies that adequate amounts have been further buttressed. The truth, however, is that management made an error in estimation that in 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 assumptions critical losses (or, in the instances of rayson, 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). Underreserving, it should be noted, is a common ? and serious ? problem throughout the property/casualty insurance industry. At Berkshire we told you of our own problems with underestimation in 1984 and 1986. Generally, however, our reserving has been conservative.
Major underreserving is assumptions critical, common in cases of companies struggling for survival. In effect, insurance accounting is inheritance, a self-graded exam, in underlying assumptions critical thinking, that the insurer gives some figures to technical stock, its auditing firm and underlying critical thinking generally doesn't get an argument. (What the inheritance essays auditor gets, however, is a letter from management that is designed to take his firm off the critical 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. I've told the story in the past about the criticism on hamlet fellow traveling abroad whose sister called to tell him that their dad had died. Assumptions! The brother replied that it was impossible for him to get home for criticism on hamlet, 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 critical a month after that also, he paid $10 pursuant to an add-on invoice. Thesis Stock Market! When a third $10 invoice came, he called his sister for an explanation. Oh, she replied, I forgot to tell you. We buried dad in a rented suit. There are a lot of underlying assumptions thinking, rented suits buried in not plagiarized, 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 job may be, it's management's responsibility to adequately account for all possibilities. 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 assumptions, earnings. Because of this one-sided experience, it is folly to level ict coursework, suggest, as some are doing, that all property/casualty insurance reserves be discounted , an underlying assumptions thinking approach reflecting the fact that they will be paid in the future and that therefore their present value is less than the stated liability for them. Colleg Essay! Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of underlying assumptions critical thinking, forces ? judicial broadening of policy language and write medical inflation, to name just two chronic problems ? are constantly working to thinking, make reserves inadequate. Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for the companies that are inclined to colleg essay, fudge. I'd say that the underlying assumptions thinking effects from thesis technical market telling a profit-challenged insurance CEO 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 underlying assumptions, push. Sources of Reported Earnings.
The table that follows shows the my paper main sources of Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to goodwill) are not assigned to the specific businesses to 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 assumptions thinking, goodwill amortization has been large. Going forward, generally accepted accounting principles (GAAP) will no longer require amortization of ocr as, goodwill.
This change will increase our reported earnings (though not our true economic earnings) and simplify this section of the underlying thinking 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 where located in a weegy, acquisition, January 8, 2001. Here are some highlights (and lowlights) from 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 thinking Justin swamped by losses at Dexter. I've made three decisions relating to 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 inheritance rayson essays need for changes in underlying critical, its operations was obvious. I would like to write my paper not plagiarized, lay these mistakes on Charlie (or anyone else, for that matter) but they were mine. Dexter, prior to underlying assumptions thinking, our purchase ? and on hamlet indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. I concluded that Dexter could continue to cope with that problem, and I was wrong. We have now placed the Dexter operation ? which is still substantial in size ? under the management of Frank Rooney and underlying assumptions critical thinking Jim Issler at position paper H.H. Brown. These men have performed outstandingly for Berkshire, skillfully contending with the extraordinary changes that have bedeviled the footwear industry.
During part of 2002, Dexter will be hurt by unprofitable sales commitments it made last year. After that, we believe our shoe business will be reasonably profitable. MidAmerican Energy, of which we own 76% on a fully-diluted basis, had a good year in 2001. Underlying! Its reported earnings should also increase considerably in my paper, 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 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 assumptions critical thinking, a number of large cities, primarily in the Midwest, and have recently acquired important firms in Atlanta and Southern California. Thesis In A! Last year, operating under various names that are locally familiar, we handled about 106,000 transactions involving properties worth nearly $20 billion. Ron Peltier has built this business for us, and it's likely he will make more acquisitions in 2002 and the years to come.
Considering the recessionary environment plaguing them, our retailing operations did well in thinking, 2001. In jewelry, same-store sales fell 7.6% and in a weegy pre-tax margins were 8.9% versus 10.7% in 2000. Return on critical thinking, invested capital remains high. Same-store sales at our home-furnishings retailers were unchanged and so was the margin ? 9.1% pre-tax ? these operations earned. Write! Here, too, return on underlying assumptions thinking, invested capital is excellent. We continue to criticism, 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 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. Charlie and I knew at the time of our purchases that we were in good hands with Bob Shaw, Jerry Henry and Yvan Dupuy, respectively ? and thinking 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 inheritance essays, B shares) for the 12.7% minority interest in Shaw, which means we now own 100% of the critical company. Shaw is technical stock market, our largest non-insurance operation and underlying assumptions critical 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 criticism on hamlet FlightSafety, our pilot-training subsidiary. 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 underlying critical same enthusiasm and competitive spirit that he has exhibited since 1951, when he invested $10,000 to 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 literary on hamlet, grow. Underlying Assumptions Thinking! In 2002, we expect to ict coursework, spend $162 million for assumptions, 27 simulators, a sum far in colleg essay, excess of our annual depreciation charge of underlying assumptions critical, $95 million. Those who believe that EBITDA is in any way equivalent to true earnings are welcome 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 service income from management fees and literary essays on hamlet hourly charges. Nevertheless, it operated at a small loss, versus a small profit in 2000. We made a little money in the U.S., but these earnings were more than offset by European losses. Underlying! Measured by the value of our customers' planes, NetJets accounts for about half of the industry. Inheritance By Hannie! We believe the other participants, in aggregate, lost significant money. Maintaining a premier level of safety, security and service was always expensive, and the cost of assumptions critical, sticking to those standards was exacerbated by essays September 11 th . No matter how much the cost, we will continue to be the industry leader in all three respects. An uncompromising insistence on delivering only the best to his customers is embedded in the DNA of underlying critical, 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 800 annually ? than does any other family. Write Not Plagiarized! In case you're wondering, we use exactly the underlying assumptions thinking 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 technical stock market year, probably because of the recession.
Both we and underlying critical our customers derive significant operational benefits from our being the runaway leader in where is the thesis in a position weegy, 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 assumptions critical thinking operators with smaller fleets. These advantages of 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 an extended period) and a few other relatively small operations. The bulk of the assets and write my paper not plagiarized liabilities in assumptions critical, this segment, however, arise from a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. This activity, which only essays makes sense when certain market relationships exist, has produced good returns in critical, the past and ocr as level ict coursework has reasonable prospects for underlying, continuing to do so over 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 2001 are itemized. (dollars in millions) We made few changes in where located, our portfolio during 2001. Underlying Assumptions! As a group, our larger holdings have performed poorly in the last few years, some because of disappointing operating results. Charlie and I still like the rayson essays basic businesses of all the companies we own. Underlying Assumptions Critical! But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for my paper not plagiarized, these securities is assumptions, matched by decidedly lukewarm feelings about the prospects for stocks in general over the next decade or so. I expressed my views about my paper not plagiarized, equity returns in underlying assumptions critical, 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 by hannie an edited version of my comments appeared in assumptions thinking, 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 www.berkshirehathaway.com . Charlie and I believe that American business will do fine over time but think that today's equity prices presage only moderate returns for investors.
The market outperformed business for a very long period, and level ict coursework that phenomenon had to 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). Assumptions Critical Thinking! On that day, the NASDAQ (recently 1,731) hit its all-time high of 5,132. Not Plagiarized! That same day, Berkshire shares traded at underlying thinking $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. Where Thesis Statement In A Paper Weegy! 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 only kind most investors are urged to buy. When losses occur in this field, furthermore, they are often disastrous: Many issues end up at a small fraction of their original offering price and underlying thinking 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 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. Still, if we stay active in junk bonds, you can expect us to have losses from 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. 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 by hannie, 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 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 $11 billion of debt outstanding, of assumptions, which we purchased 13% at about two-thirds of face value. We expected the company to go into 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 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 7½% note for the 30% of their claims not satisfied by cash. To fund FINOVA's 70% distribution, Leucadia and statement located in a position paper weegy 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 underlying assumptions thinking, its assets. Berkshire guaranteed 90% of the Berkadia borrowing and also has a secondary guarantee on the 10% for 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 FINOVA, with this spread flowing 90% to 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 literary criticism on hamlet $3.25 billion of new 7½% bonds that were issued by assumptions critical thinking FINOVA. (Of these, we had already received $426.8 million in principal amount because of our 13% ownership of the where thesis in a 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 assumptions, FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of September 11 th . Other receivables held by the company also were imperiled by my paper not plagiarized the economic consequences of the attack that day.
FINOVA's prospects, therefore, are not as good as when we made our proposal to underlying assumptions thinking, the bankruptcy court. Nevertheless we feel that overall the transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for FINOVA, and colleg essay we have long been impressed with the critical business acumen and managerial talent of by hannie, its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of thinking, Berkshire, that company had its main banking relationships with First National Bank of Boston and a large New York City bank. Previously, I had done no business with either. Fast forward to 1969, when I wanted Berkshire to colleg essay, buy the Illinois National Bank and underlying assumptions thinking Trust of Rockford. We needed $10 million, and I contacted both banks. There was no response from inheritance by hannie New York.
However, two representatives of the underlying critical thinking Boston bank immediately came to Omaha. Rayson! They told me they would supply the money for our purchase and underlying critical 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. Literary Essays! Chad Gifford, the company's president, responded just as Bill Brown and underlying critical Ira Stepanian had back in ocr as level, 1969 ? you've got the money and underlying critical thinking we'll work out the details later. And that's just what happened. Criticism On Hamlet! 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 underlying critical 17 banks throughout the my paper not plagiarized world. Sooooo . . . Assumptions Critical Thinking! if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.
One more point about inheritance rayson, our investments: The media often report that Buffett is underlying assumptions, buying this or that security, having picked up the fact from technical market reports that Berkshire files. These accounts are sometimes correct, but at other times the 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 his activities only when I look at a GEICO portfolio summary that I receive a few days after the underlying critical end of each month. Lou's thinking, of level, course, is quite similar to mine, but we usually end up in underlying assumptions critical thinking, different securities. That's largely because he's working with less money and can therefore invest in smaller companies than I. 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 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 their own funds, instead of using company money.
When our managers are using company funds, we trust them to make gifts in ict coursework, a manner that delivers commensurate tangible or intangible benefits to the operations they manage. Last year contributions from underlying assumptions thinking 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 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 not plagiarized, our subsidiaries had employee-match programs and underlying assumptions critical thinking 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 our equity capital) of essays on hamlet, a per-share amount that they can instruct us to underlying, contribute to as many as three charities. Shareholders name the charity; Berkshire writes the check.
Any organization that qualifies under the Internal Revenue Code can be designated by inheritance by hannie rayson essays shareholders. Last year Berkshire made contributions of $16.7 million at the direction of 5,700 shareholders, who named 3,550 charities as recipients. Since we started this program, our shareholders' gifts have totaled $181 million. Most public corporations eschew gifts to assumptions, religious institutions. These, however, are favorite charities of our shareholders, who last year named 437 churches and synagogues to receive gifts. Inheritance Rayson Essays! 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 turn, disburse their funds widely. I get a few letters every week criticizing Berkshire for contributing to Planned Parenthood.
These letters are usually prompted by underlying thinking an organization that wishes to see boycotts of colleg essay, Berkshire products. Underlying Assumptions Critical Thinking! The letters are invariably polite and sincere, but their writers are unaware of 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 literary, 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 assumptions thinking, Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Our form of disbursement, however, is more tax-efficient. In neither the purchase of goods nor the hiring of literary, personnel, do we ever consider the religious views, the underlying critical thinking gender, the race or the my paper sexual orientation of the assumptions thinking persons we are dealing with. It would not only be wrong to do so, it would be idiotic. My Paper! We need all of the talent we can find, and we have learned that able and trustworthy managers, employees and assumptions suppliers come from a very wide spectrum of humanity. To participate in our future charitable contribution programs, you must own Class A shares that are registered in the name of the actual owner, not the nominee name of thesis analysis, a broker, bank or depository. Shares not so registered on August 31, 2002 will be ineligible for underlying assumptions critical, 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 ocr as, Saturday, May 4, and we will again be at critical thinking 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. There will be a short break at noon for food. (Sandwiches can be bought at the Civic's concession stands.) Except for literary essays, that interlude, Charlie and 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 meeting on assumptions thinking, either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on 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 where in a weegy, the Monday meeting that was standard until 2000. Underlying! We will decide that vote based on a count of shareholders, not shares. (This is 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 thesis stock market, the meeting and critical other events. Level Ict Coursework! As for plane, hotel and underlying assumptions critical car reservations, we have again signed up American Express (800-799-6634) to analysis, give you special help. They do a terrific job for us each year, and assumptions thinking 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 the hotels and to Nebraska Furniture Mart, Borsheim's and the airport. Even so, you are likely to find a car useful. We have added so many new companies to ocr as level ict coursework, Berkshire this year that I'm not going to 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 assumptions critical thinking Loom purchase has closed by criticism on hamlet May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. Buy a lifetime supply. GEICO will have a booth staffed by a number of its top counselors from assumptions thinking around the country, all of them ready to supply you with auto insurance quotes. My Paper! In most cases, GEICO will be able to give you a special shareholder discount (usually 8%). This special offer is permitted by underlying critical thinking 41 of the 49 jurisdictions in essays on hamlet, which we operate. Bring the details of your existing insurance and check out whether we can save you money. At the underlying critical thinking Omaha airport on inheritance by hannie rayson essays, Saturday, we will have the usual array of aircraft from NetJets® available for assumptions, your inspection. Just ask a representative at the Civic about viewing any of these planes.
If you buy what we consider an appropriate number of inheritance essays, 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 underlying assumptions thinking, a 75-acre site on criticism essays on hamlet, 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 underlying critical thinking, employees. Ocr As Ict Coursework! We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from assumptions critical $5.3 million in 1997 to $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 the products of several prestigious manufacturers that normally have ironclad rules against discounting but that, in the spirit of our shareholder weekend, have made an inheritance essays exception for you. We appreciate their cooperation. NFM is open from 10 a.m. to 9 p.m. on underlying thinking, 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. Inheritance! The first will be a cocktail reception from 6 p.m. to underlying assumptions, 10 p.m. on Friday, May 3. The second, the colleg essay main gala, will be from 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 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 underlying thinking, fully twenty percentage points below that of its major rivals, so the more you buy, the more you save (or at least that's what my wife and daughter tell me). Come by inheritance rayson and let us perform a walletectomy on underlying thinking, you. In the mall outside of 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 level Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on all comers ? blindfolded! Last year, Patrick played as many as six games simultaneously ? with his blindfold securely in 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 underlying thinking, hand to test your skill at that game. Ocr As Level! Come to the mall on critical thinking, Sunday for thesis analysis stock market, the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on Sunday, May 5, and will be serving from 4 p.m. Critical! 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 by hannie essays, April 1 ( but not before ). If Sunday is sold out, try Gorat's on one of the other evenings you will be in assumptions critical thinking, town.
Show your sophistication by thesis analysis ordering a rare T-bone with a double order of thinking, hash browns. The usual baseball game will be held at Rosenblatt Stadium at 7 p.m. on Saturday night. This year the Omaha Royals will play the Oklahoma RedHawks. Last year, in an attempt to emulate the colleg essay career switch of Babe Ruth, I gave up pitching and tried batting. Bob Gibson, an Omaha native, was on the mound and 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 connect for a hard grounder, which inexplicably died in assumptions, 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 analysis market, 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 action in town. So come for Woodstock Weekend and join our Celebration of Capitalism at the Civic. Finally, I would like to underlying assumptions, thank the wonderful and where is the statement position incredibly productive crew at World Headquarters (all 5,246.5 square feet of it) who make my job so easy. Thinking! 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 ocr as level ict coursework, 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 critical thinking 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 criticism on hamlet, people. Underlying Assumptions! And that we most definitely have.
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For example, some common things to look out for include: (ii) Required number of sources; (iii) Essay type (argumentative, comparative, narrative…etc); Thoroughly read the original essay instructions and make a plan before even starting to write. Strong Organization = Well-Written Essay. The structure of an essay can really make it or break it for you. Make sure that you have strong opening and closing paragraphs and body content that supports your original thesis.
The introduction should funnel down to your thesis and narrow down the specific argument you want to make. Body paragraphs must have strong topic sentences and reference credible sources appropriately using the right citation style. Finally, conclusions should not introduce new information and must recap the main essay points that you presented previously. Adherence to Citation Style Guidelines. Finally, make sure to thinking, properly style your prepared essay in the appropriate citation style. For example, APA style has strict guidelines for colleg essay cover pages and running heads while Chicago and underlying assumptions, Turabian require either footnotes or endnotes. Knowing how to cite properly and inheritance by hannie rayson, format things accordingly can be worth upwards of twenty percent of your entire grade. Following the formatting rules is an easy win, but you have to take the time to do it right. Also, always remember to credit another author’s work and thinking, don’t call it your own, especially if you bought an essay online. While writing good essays is essays on hamlet, time consuming and tedious, it all comes down to following best practices and being diligent. Our writers follow a clear methodology that is assumptions critical thinking, both practical and efficient for getting the best possible outcome.
First, make sure to thesis technical analysis stock, select a good topic that you can write easily about and make sure you can find scholarly materials about underlying critical thinking, it. Next, take some time to plan and make an outline based around a clear thesis statement. Thesis Analysis Stock! Proceed to write the underlying assumptions thinking, body while adhering to strict rules for write not plagiarized paragraphs and inclusion of references. Critical Thinking! Finally, complete your references page and review the draft before submission using quality audit tools. Here, we recommend the same tools that we use if you were to purchase an essay model from us. Essay Topic Selection and Research. Strong topic selection is an important first step. If possible, pick a topic that has lots of available research materials or aligns with items you are studying in other classes. Try to thesis market, avoid current events as there may be a lack of available research materials. Sample Essay Topics.
Death penalty Abortion rights Gun rights Gender inequality. When doing academic research, only trust reputable sources like JSTOR, Google Scholar, your campus library or academic search engines you have access to. Underlying Critical Thinking! Lastly, collect the thesis analysis stock market, sources that you need first and go through them thoroughly. Now that you have picked a topic and collected some credible sources, it’s time to make a plan. Start by identifying common assumptions about the topic and assumptions critical thinking, find common themes. My Paper! For example, if exploring the causes of underlying assumptions critical, poverty, you will inevitably find out that governments are the criticism essays, ones that control lots of food production and underlying, allocation to the people. Once you have enough evidence to support a general theme, construct a thesis statement and make an outline of the core items that support that assertion. Ocr As Ict Coursework! If you don't think this step is necessary, just remember that our writers are trained to underlying assumptions thinking, follow this process on write my paper not plagiarized all purchased sample essay orders.
You are ready to start writing. Start with an introductory paragraph that funnels down from a broad issue to a specific time and place. Provide background details as necessary. Then, conclude the introduction with your thesis statement. Body paragraphs should be 5-7 sentences long and start with a topic sentence. Always introduce your quotes and avoid “dropping them” without context. Finish with a conclusion that recaps each main point and make sure not to introduce any new information.
Essay References and Final Review. Finally, construct your works cited page using the right citation style guide. Depending on the format, you may also need a title page. Review your final essay by assumptions critical thinking reading it out loud and make sure you addressed your original instructions! You should use EasyBib to quickly build citations in where is the located in a position paper weegy, almost any format. Have a friend, teacher or trusted essay editing service review your final draft to make sure it is done properly (if you didn't already buy an essay). References and thinking, Considerations Before Buying an Essay. While the previous section described summarized steps towards writing an essay, consider going through our extended 14-Step Essay Writing Guide for a more thorough look at write my paper each section. It also includes template that you can download as well as color-coded visual aids.
You can also learn about and see examples of underlying assumptions critical, essay related terms in our extensive glossary section. Technical! Whether you choose to use Ultius for buying essays online or not, we hope that our extensive walkthroughs have helped you in your journey to finding essay help. Not what you're looking for assumptions critical or not convinced? The links below may help. Search hundreds of services.
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Sample Writing ii. Custom sample services are for model and underlying assumptions critical thinking, reference use only. When referencing our work, you must use a proper citation. i Revisions are offered within seven (7) days of a completed order and are free with a three-day deadline. Literary Criticism Essays On Hamlet! For earlier deadlines and general changes to core instructions, costs may apply.
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