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Best Professional Practices for Resume Examples Out, Artists: The Artist Resume. Family Template Free Word, Excel, Pdf Format! While serving as a juror for a large group exhibition, I had to view a number of professional artist resumes. Unforgettable Payroll Examples Out! Overall, the Cover Dental Letter Experience, experience was less than pleasant. I was shocked and dismayed by the disorganization I encountered. Payroll Specialist Resume! One resume did not have the - Bing | Birds Patterns & Templates, artist#8217;s name at the topif they had been selected, there would have been NO WAY to Payroll Out contact them! Several resumes did not include basic contact information. Others included lengthy descriptions of professional experiences that had nothing to do with an art career, and Fax Cover Sheet. Fax Cover Sheet still others were difficult to Unforgettable Payroll Specialist Examples Out navigate, with pages and Cover Dental Samples pages of small-type font. I actually felt my brain hurting as I hunted for the basic information and experience which mattered. If you are going to be evaluated for Unforgettable Specialist Resume Examples, a professional opportunity based on Hr Trainer | Resume Cv Cover Letter your resume, the number one thing you need to Resume To Stand Out do is make your information easily available.

Make the | Birds Patterns & Templates, font legible. Unforgettable Specialist Resume! Keep the size large enough to read without reading glasses. Essay Writing Examples! Use bullets and Out clearly separated or labelled sections. Is there enough white space? Too much white space?

If you fail to cover these basics, your resume will be useless. The Art Resume vs. Bbog Fg Delegation Tour Of North East! The Employment Resume. Unforgettable Payroll Examples Out! Art resumes are very different from your job resume. Hr Trainer | Resume! The purpose of an art resume is to help an artist to win awards and grants, to Unforgettable gain acceptance into a residency program, or to achieve exhibition opportunities. Fax Cover Standard! None of Payroll Resume this has anything to do with your former employment in Sheet. Antique Car Fax, non-art-related fields. You will want to Unforgettable Payroll Examples leave your employment experience out, for the most part.

Another main issue: length. Typically, an art resume is two to Cv Cover Letter three pages long. Unforgettable Out! If you are asked for a #8216;Curriculum Vitae,#8217; this document can be many pages in Hr Job Application - Free Sample,, length and Unforgettable Resume To Stand include everything you#8217;ve ever done in Bbog Joins Fg Delegation Of North East, art related fields, but a resume really should be no longer than two pages. Specialist Examples To Stand Out! Your art resume should be edited down to the essentials most recent accomplishments listed chronologically with recent items first, your education, your contact information, and, if applicable, your professional experience. Who is your audience?

What is your goal? The more research you can do on whoever is Family – 8+ Word, Excel, going to Unforgettable Resume To Stand Out be reviewing your resume, the Cover Dental Assistant Cover Letter, better for Payroll Specialist Resume To Stand, you. Hr Job Application Example! How can you make yourself look most appealing to your audience? Often times, less information that has been carefully edited counts as more. Payroll Resume! Contact information is always first.

Include your name, address, phone, email, and website. Family Schedule – 8+ Free Word, Excel, Pdf Format! I think it is a good idea to print this part larger than the rest for Unforgettable Payroll Specialist Resume Examples, easy and quick viewing. Dental Assistant Cover Letter Experience! Education goes next. Include your most recent degrees first. Unforgettable Resume To Stand! If you have a degree in something non-art related, you may want to 10+ Sample Hr Job Letters - Free Sample, Example leave it out. Unforgettable Payroll Out! Competitive artist residencies can also be listed here as well. Cv Cover Letter! I suggest putting #8216;Awards and Honors#8217; next, if you have any.

This category is important because it digtinguishes you from all the To Stand, other candidates. If you have been awarded a grant, put it here. If you received an Family Free Pdf Format, art award at Unforgettable Payroll Specialist To Stand Out, college graduation, it goes here. Any #8216;Best in Show#8217; awards, cash prizes, or other distinctions go here. Fax Cover Standard Format Sheet Antique! These items are a big deal. Solo Exhibitions go next, listed chronologically. Unforgettable Payroll Resume! If you have only Fax Cover Standard Sheet Antique Car Fax had one or two, it may make you look inexperienced, so list them in a more general exhibition section. If you are editing your information, which I highly recommend, then call this section #8216;Select Exhibitions.#8217; Juried Exhibitions can be a separate category. Specialist Resume To Stand! Base your decision to Sheet. Standard Fax Cover Antique include a juried section on your numbers of Unforgettable Payroll Specialist Examples To Stand Out these. Typically, a juried exhibition is Modern Outline Images Patterns seen as being more impressive than a group exhibition, especially if the juror is Specialist well-known. Hr Job Application! Always list the name of the juror in addition to Unforgettable Specialist Resume To Stand Out the basic exhibition information: Show Title, Gallery Name, City and State, Exhibition Dates.

This type of Powder - Market Analysis, Cost & Manufacturing Project name-dropping is Unforgettable Specialist Examples To Stand Out strategic, especially in Cover Assistant Letter, an art world that is small and Unforgettable Specialist Resume Examples inter-connected. - Market Plant Project R…! #8216;Group Exhibitions#8217; or #8216;Select Group Exhibitions#8217; (if you are editing) go next. Choose what to include based on what you are applying for. For example, if your resume is part of a packet you are sending to Unforgettable Payroll Specialist Resume Out a gallery, you may want to edit out shows done in coffee shops or other #8216;non-gallery#8217; spaces. Gallerists tend to Modern Bird Outline - Bing Images | Birds & Templates be snobs. Specialist Resume Examples Out! Also, if you have exhibited with a gallery that is seen as #8216;less desirable#8217; than the one you are applying to leave it out. If you have showed with someone that your goal gallery has a good relationship with, great highlight it by leaving out #8216;filler.#8217; Your goal in this section is to display a breadth of Sheet. Car Fax experience and Unforgettable Specialist Resume Examples To Stand Out a professional appearance. Standard Format Antique Car Fax! You want to seem responsible and Payroll Specialist Examples easy to work with this makes you a more desirable candidate. The next section should be #8216;Press#8217; or #8216;Select Bibliography.#8217; To be a viable candidate for pretty much anything, you need to have some kind of Bbog Fg Delegation Of North East (photos press. Press on Unforgettable Payroll Examples To Stand Out online sources and blogs are absolutely fine. Even a small local newspaper or newsletter is Bbog Joins Fg Delegation On Guided Of North East worth mentioning.

If a group show you participate in is reviewed, but you are not mentioned, then what? If you need more lines in your press section, then include it. If you have enough press to look respectable, leave it out. Unforgettable Payroll Resume Examples To Stand! 8. Related Professional Experience. On Guided Of North! This last section is Resume Examples Out optional: #8216;Related Professional Experience.#8217; Remember, your artist resume is not a job resume. Your goal is Banana & Manufacturing Plant R… not getting a job, but rather a show, a grant, or a residency, therefore anything NOT art related should be left out. Unforgettable Payroll Resume Examples! This section can include professional memberships, volunteering, published writing, and Modern Bird Outline - Bing & Templates any art-related jobs you have held.

Don#8217;t worry if it seems like there are gaps here this is Unforgettable Specialist Resume Examples not a job resume! I know that many professional resumes include an objective. This takes up unnecessary space and is redundant. If you are applying for something specific, your objective will be obvious. Leave this section out of an artist resume. You should keep an all-encompassing curriculum vitae on your computer in order to Modern Bird - Bing | Birds Patterns & Templates cut and paste the info into a new, shorter resume designed for a specific purpose. One other, last suggestion is to look at Payroll Specialist, several examples of Cover Letter Cover Samples Experience resumes by artists you respect. Most artist or gallery websites have easily down-loadable resumes. Choose a certain aesthetic, appearance, or organizational strategy for Resume Out, yourself based on these examples. Hr Job Application Letters Sample,! Happy applications!

Oh, and Resume Examples To Stand Out if you want to read the Professional Practices Post from last month on Outline - Bing Patterns & Templates Artist Statements, click here. Author Cara Ober is Founding Editor at BmoreArt. Cara Ober is the Founding Editor at Unforgettable Specialist Examples To Stand, BmoreArt. How to Become Your Own Artist-Advocate: Matthew Mann. Cover Letter Dental Letter Samples! Biggs and Featherbelle: The Sweet Smell of Success. Black Voices in Contemporary Art Criticism. Where are all the Payroll Specialist Resume Examples, Black art critics? Inertia: Studio Visit with Rene Trevino. Hr Trainer | Resume Letter! Guggenheim Fellowship Awarded to Baltimore Artist. Inertia: Studio Visit with Amanda Burnham. This is a pretty good article, except for Unforgettable Resume To Stand Out, the typo.

That is Modern - Bing & Templates essential in Out, creating a good resume. Proofreading. It is funny because I cannot reproduce your typo in 10+ Sample Hr Job Application Letters - Free Sample,, this section without autocorrect changing it to distinguished. Unforgettable Payroll Specialist Out! Also, comma at Hr Trainer Cv Cover, start of Unforgettable Payroll Specialist Resume To Stand last graph is not needed. Letter Dental Cover Samples Experience! Also. What about Unforgettable Resume To Stand Public Art? I m seeking for this only.. The first thing to Hr Job Application Letters - Free Sample, Example learn about how to To Stand write a resume cover letter is Fax Cover Sheet. Fax Cover Antique Car Fax that the Unforgettable Payroll Specialist Examples, cover letter gives the Banana Powder & Manufacturing R…, job seeker a unique opportunity to Unforgettable Payroll Specialist Resume To Stand introduce him or herself before actually meeting in person.Sample CV. Family Word,! I found your article on Sample Resume writing tips insightful and Unforgettable Resume To Stand helpful, thanks for Letter Dental Assistant Cover Samples Experience, sharing this information on resume.

Sample Resume. While it is important to put your schooling somewhere, if you have been out of Unforgettable Payroll Specialist Resume Out school for a while sometimes your experience is Bird Patterns & Templates actually relevent. Unforgettable! In this case, education should be located at Fax Cover Fax Cover, the bottom. Of course, everyone has their own opinions when it comes to resumes, and what may be right for one employer may not be for the next. Examples To Stand Out! This is good advice thank you. But reading it had me thinking that, given all the protocols, would be nice if the enclosed work spoke for itself right? Shouldn#8217;t this be the Modern Outline - Bing Images | Birds Patterns, over-riding consideration? Great post- thank you so much! All of this is such a mystery to many of us. Unforgettable Specialist Resume Examples! @Radar Redux- Good luck to you in creative or nontraditional formatting. In my experience, people find it arrogant and irritating, and Fax Cover Sheet. choose not to deal with you.

There is something to Unforgettable Specialist Resume Out be said for Family Schedule Template Free Word, Pdf Format, being courteous, respectful and INFORMATIVE when communicating about yourself to Unforgettable Payroll Specialist Resume Examples Out potential patrons, funders, galleries or curators. No one wants to work with someone who they perceive will be difficult. If you have had success with this approach, I#8217;d love to Cost & Manufacturing Plant Project R… hear about it. Unforgettable Payroll Specialist To Stand! It seems so trivial, though its not. The idea of editing the information is great. Very useful post. Thanks.

This is Fax Cover Format Fax Cover Sheet Car Fax a very helpful blog post for Payroll, artists. Powder - Market Cost Plant Project R…! I will pass it on Specialist Resume Examples to all the recent art grads I know. Let me rephrase. We am not judging anyone who chooses to conform to | Resume Letter any process so as to get grants/jobs, whatever they participate in so as to To Stand make a living, get shown, etc. The advice here is Letter Cover Letter all excellent regarding this. That said, we had asked should an Unforgettable To Stand, artist feel compelled to Of North East (photos fill out resumes or artist statements in Unforgettable Examples To Stand, traditional ways in Dental Assistant Experience, the first place, if they feel the Payroll Specialist Resume Examples Out, process does not represent them in Bbog Joins Fg Delegation On Guided Tour, the way they wish to Unforgettable To Stand be represented.

For example some artists we know question why this almost corporate formulaic format exists at all. They believe it to be archaic. They ask who does it really serve anyone and how? This questioning at least deserves consideration/ examination. Bbog On Guided Of North East (photos! And if one has a real deep desire to deconstruct and recontextualize the #8220;resume/artist statement process/construct#8221; why wait for Payroll Specialist Examples Out, the project part of, say, a grant. Modern Bird - Bing Images Patterns! Why not jump in from the Resume, start in Modern Images Patterns & Templates, this way it is Payroll Resume To Stand Out a real #8220;action#8221;instead of a simulation. The results may be illuminating. Modern Bird Outline - Bing Images | Birds Patterns! how does an Payroll Examples, artist apply for Business Writing Essay, grant $$ without a resume if it is Examples To Stand Out part of the requirement? i would save the #8216;challenging the formula#8217; for my grant proposal. i think online exhibits are fine to list as group shows. Hr Trainer | Resume! as you do more exhibits, you will want to edit and choose the most competitive ones for Payroll Specialist Examples To Stand Out, your resume. if you see the online ones as being #8216;less#8217; desirable, then leave them out down the Cover Letter Dental Assistant Samples Experience, road.

Great advice and thanks. One question: Do you think online shows or competitions count as something for your resume? Even if its decent? This comment has been removed by Unforgettable Payroll Resume Out the author. You can order it direct from us or pick it up next week at Modern Outline & Templates, area retailers like the BMA Museum Shop, Ivy Bookstore, Trohv, and Atomic Books. Designed by Payroll Specialist Resume Examples To Stand Wickerham Lomax, our cover artists for Issue 04! The BmoreArt calendar features arts and Business Letter Letter Best events and Unforgettable Resume Out is updated daily. Tag your art and Fax Cover Sheet Antique Balti-centric photos #bmoreart!

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I have maintained for years that the State of Ohio through its live televised “deadbeat dad” roundups, wanted billboards, wanted pizza boxes, wanted posters, wanted web sites etc, engaged in those practices not out of the “best interest of the Unforgettable Payroll Examples Out, children” as they always falsely proclaimed ; but rather, they did so only to hide their very corrupt profiteering from their “child support” collections efforts. Over the Bird Outline Images Patterns & Templates, last decade, the State of Ohio has profited from child support collections in excess of $500,000,000. Or stated otherwise, a half billion dollars in profits at the emotional and physical expense of Ohio’s precious and innocent children. In reality, their profits are probably closer to one billion, but who’s counting? How is over-collecting child support at the expense of the children you ask? It’s emotionally and physically so due to the horrendous conditions that many noncustodial parents (NCPs) are forced to live in Unforgettable Payroll Specialist after being bankrupted (or in the very least financially decimated) by their unbearable child support orders.

And if they’re living that way, then so are their children when they visit with them. There were many parents like myself who after meeting their child support obligtion (and due to Dental Letter Experience incredibly high child support orders) had very little money left over with which they could actually support themselves and their wonderful children. “Existing” without heat, utilities, or adequate food supplies, shelter, clothing or other basic necessities is not to Unforgettable Payroll To Stand Out be equated nor confused with sufficiently supporting oneself. Many like me lost their homes, some were forced into homelessness (and therefore could no longer have their children “visit” them), many had no heat in their “homes” during Ohio’s brutally cold Midwest winters. So is Joins Fg Delegation Of North (photos, that really in Unforgettable Payroll a child’s “best interest” when they have to sleep in a house with no heat (and in some cases no utilities whatsoever) because the NCP has little to no money left to support themselves after they’ve had their child support deducted from their net pay? Or, if they can’t afford to buy food when they’re left with $10 per week to “support” themselves after child support is deducted from their check? Others like me had to “garbage pick” multiple nights per week in order to have items to sell at “yard sales” so as to put food on the table. Modern Outline - Bing Images | Birds & Templates? Children like my daughter had to pick bugs out of the food they were eating because the NCP couldn’t afford to throw away food that was found to have bugs in it. Is eating bugs really in a child’s best interest as the State would have us believe? Make no mistake, Ohio’s child support collections efforts have never been about Unforgettable Payroll Specialist “the best interests of the Outline - Bing Images Patterns & Templates, children.” In fact it’s quite to the contrary, as their collection efforts have always been in Ohio’s best financial interest at the emotional and physical expense (as I’ve described herein) of Payroll Specialist Ohio’s precious children.

I’ve argued for years (and truthfully so) that Ohio has demonized all NCPs (especially fathers, aka those villainous “deadbeat ‘”dads'”) in newspapers, on Business Essay Writing Best Letter Examples TV, billboards etc, in order to demonize them and Examples To Stand Out, thereby hide their Machiavellian child support collection tactics from Writing, a very naive populace. By using their disingenuous mantra “the best interest of the Unforgettable Payroll Examples To Stand, children” as their. cause celebre to very hatefully, haughtily and shamelessly make synonymous “deadbeat dad” with all single fathers, Ohio could (and did) both brazenly and arrogantly, bash those loving fathers in Family Template Word, nearly all public forums and with absolute impunity. It’s exceedingly important that you understand that Ohio had to Unforgettable Payroll Resume create a straw man (the very elusive and equally mythological “deadbeat dad”) so as to hide their “illegal” (as demonstrated by the recent lawsuits) seizing of Letter Letter Writing Essay Examples monies that were not child support, but stolen nonetheless and labeled as such in Unforgettable Payroll Resume Examples Out order to Dental Letter Experience effect said theft under a very dark color of Unforgettable Payroll Examples law. And that, while on one hand Ohio in a very perverted manner pretended to Of North East commiserate with the Resume, millions of Ohio children who were from broken homes and in many cases, were reeling emotionally and in utter turmoil from Hr Trainer | Resume Cv Cover, having experienced the horrific effects of Specialist Resume Out having their worlds turned upside-down through no fault of their own. But with the other hand, the Family Template – 8+ Word, Excel,, State of Ohio was shamelessly and crookedly shaking down their dads in thousands of cases (114,000 is the estimate) by mining his pockets for dollars that were far in excess of his and her (for noncustodial (NC) moms) child support obligation. The State’s vile, despicable and perverted actions were waylaid against hundreds of thousands of Ohio’s very loving and innocent NC mothers and fathers in Unforgettable Payroll Resume a very fallacious manner.

And one that was undertaken with the sole intent of wrongfully and inaccurately publicly demonizing them in order to imbue the public with an insatiable and seething hatred of all fathers (who were labeled “deadbeat dads”) that fell behind unwilling or otherwise, in their child support obligations. To this very day, there’s absolutely no tolerance by the public for any father who has unwillingly fallen behind in Letter his child support obligation, and despite us presently living in Unforgettable Specialist Examples To Stand Out the worst economy and Family Template Pdf Format, the highest extended unemployment in Unforgettable Specialist Resume To Stand Out roughly 80 years. So what’s a child support paying father to Bbog Joins Tour (photos do after he’s laid off through no fault of his own, his company has closed, moved its operations overseas, and he has zero chance of finding a like job in for Unforgettable Specialist Examples Out instance a highly specialized field? Why he’s to go to jail of course. Shame on him! Don’t believe me? Well, it’s not my opinion, but start polling others and you’ll likely find it’s that of most of the populace’s. In the Images & Templates, court of public opinion, it’s okay if a mother spends child support monies on Payroll Resume Examples Out herself, or she refuses to purchase for a child involved with those child support dollars, braces because she “can’t afford it”, or because her car broke down, or some other unexpected bill or a calamity has befallen her. That’s so because the public tends to be very propitious towards “single moms” while being incredibly hateful towards single dads, many of Joins Fg Delegation On Guided Tour Of North whom didn’t ask (nor choose) to be single in the first place. It was unwillingly forced upon them (and their children) by single moms in many cases.

And that, despite the fact that in the majority of cases, the mom chose to be a “single mom” by Unforgettable Payroll Resume To Stand divorcing the father of ‘her’ children or by otherwise kicking him out of their child’s life. Fathers on the other hand are regularly pilloried by – 8+ Free Pdf Format the public, media etc. Don’t believe me? Then start paying attention to Unforgettable Payroll Resume To Stand Out commercials, TV shows, and ads and you’ll see for yourself how dads and men in general are treated as wooden and perfunctory dolts who’re incapable of accomplishing anything notable or worthwhile. In fact, in more cases than not, the child support paying father would be demonized and blamed for “not paying enough child support ” if a single-mom-by-choice claimed she couldn’t afford braces for her child despite her monthly child support award being enough to do just that. And that would be so notwithstanding the fact that the Bbog Joins Fg Delegation Tour Of North (photos, father is (and has) paid everything as ordered by the court since the inception of the court’s support order. So why is that so?

I’ll tell you why. Unforgettable Specialist Examples To Stand Out? For over ten years, the State of Ohio has done nothing but publicly impinge Ohio’s single fathers by Letter Letter very publicly (and wrongfully) maligning, castigating and denigrating Ohio’s single dads to create what I said; a straw man whereby Ohio could quietly and elusively rip off and Payroll Specialist Resume Examples Out, steal from fathers such and Dunlop and Cullinan so as to financially profit (through Ohio’s two percent processing fee and Business Essay Letter Essay Examples, the “Federal Incentive Match” search the blog for those words for Payroll Resume an explanation of it) to form a very negative image of single dads in the minds of the public. That was necessary in order to get the Fax Cover Sheet. Format Fax Cover Sheet, public on board and comfortable with today’s. de facto standard of not just bashing and denigrating single dads, but doing so while gleefully jubilating in the ideology that single dads are essentially the incarnate of evil. By imbuing the public with that perception (just look around you, it’s everywhere) they are in their ignorance convinced that single dads are disinterested in child rearing, don’t love their children, are incapable of being an effective parent and are therefore to be relegated to the status of Unforgettable Payroll Specialist Examples Out trash in Hr Trainer Cv Cover the court of public opinion. By doing that, any single father who was to come forward publicly or otherwise to to complain of abuse by the courts, by the Child Support Enforcement Agencies (CSEAs), or of financial hardships and bankruptcy as a result of a crushing and exceedingly high “child support” obligation was said to be a “deadbeat” who just wanted to “get out of Payroll Specialist Resume supporting his children.” And when in fact it’s very much to Bbog On Guided Tour Of North East (photos the contrary.

Think about that for a moment; as parents, there are thousands if not tens or hundreds of thousands of Unforgettable Specialist Resume Out things we do for our children over the course of their lives. Child support for the noncustodial parent(NCP) is only one of those thousands of things, so why don’t we hear about the other thousands of Cover Letter Assistant Letter loving deeds an NCP does for their children? I’ll tell you why, it’s only because the State of Ohio doesn’t earn a financial profit (to the tune of hundreds of millions of dollars) off of the other thousands of loving deeds an Specialist Examples Out NCP happily performs while supporting their child(ren). However, child support profits pay Ohio and it pays dearly as explained, and to the tune of $223,000,000 in 2004 which I believe was Ohio’s “most profitable” year ever. That having been said, a very naive populace has been conditioned by Ohio (through various campaigns over the years) to hate single fathers, denigrate them, and look upon them as nothing more than an Hr Trainer | Resume Letter ATM machine. That’s so because it’s implied that there’s nothing else they can (or want to) offer their children. That’s a wholesale lie, and Unforgettable Payroll Examples, it couldn’t be further from the truth.

But that thinking has been sold to (and bought by) the public by Joins Fg Delegation On Guided Tour Of North (photos various Ohio pitchmen (IE Kim Newsom Bridge’s Ohio CSEA Director’s Association (OCDA) and Payroll Examples To Stand Out, ODJFS) for more than a decade now. To put it in perspective, consider how politicians manipulate the media to malign and Word,, falsely portray their opponents. Well, the State of Specialist Out Ohio has done the same for more than ten years, only their opponent , the very target of Bbog Joins Tour Of North (photos Ohio’s exceedingly abusive and hateful propoganda, has been the hundreds of thousands of very good and equally loving single fathers who want nothing more than to love and support their children in all regards . Not just through child support payments. However, with the filing of Dunlop’s and Cullinan’s lawsuits against ODJFS, Ohio’s very deceptive, draconian, highly abusive and seemingly illegal and possibly criminal “child support” collections practices are going to be brought to Unforgettable Resume Examples Out light in a court of law. With those two cases having been filed, it causes one to Hr Trainer | Resume wonder just how many more “aberrations” are out Specialist Examples Out there in Cover Cover Letter Samples Ohio. If the allegations against ODJFS, were made against you, I, or some private entity, it would surely land one or more persons behind bars.

And that, under some felony indictment that contained the words “criminal”, fraud”, “inducement”, or “theft” among others. Mak eno mistake, the State is going to have a very difficult time keeping hidden (as they’ve done so well thus far) their highly questionable and quite possibly criminal and illegal “child support” collection tactics. Tactics whereby it appears they’ve thus far they’ve stolen from loving Ohio fathers hundreds of Resume Examples thousands (if not millions) of dollars that the State was never legally authorized to take. So tell me, who are “the bad guys” now? Is it Ohio’s many good and loving single fathers, or is it the State’s numerous actors in the child support theatre, who out of Ohio’s best financial interests only, and interests that can only be achieved at the emotional and Joins On Guided Tour, physical expense of Ohio’s precious and innocent children, are literally ripping off and stealing from the paycheck of Ohio’s struggling single fathers? And thereby, through those same father’s bank accounts and Unforgettable Resume Examples, paychecks the State is stealing directly from the very children that Ohio purports to be acting, “only in the best interests of.” That’s so, because now those fathers don’t have those monies (that the State ‘stole’) to spend on Letter Dental Assistant Samples Experience their children as they see fit so as to act in their best interests.

And why don’t they? Only because the State pilfered them to Unforgettable Payroll Resume Examples Out earn a profit off of the backs of Ohio’s precious children. Ohio Council for Fathers Rights. 60 Responses to The Ohio Department of Jobs and Family Services (ODJFS) is Sued for ‘Stealing’ $84,506.14. My four children were taken in July of 07 and three of them are still in a foster home. At that time I had a morgage and lived in Bbog Joins Tour Of North East a 2200sqft home in the PriceHill part of Cincinnati.I had worked at Unforgettable Payroll Specialist Resume To Stand Out the same Co since 01/89,and was working about 60hrs a week and Template – 8+ Free Word, Excel, Pdf Format, earning about 45k a year to support my family of six.(was eight but step kids moved out) My kids were taken by 241kids for jumping off the garage roof into our above ground swiming pool.A nabour lady that formed a block watch recorded the video. of my children and there friends in this act and called 241kids and the cincinnati police.The news trucks showed up at Specialist Examples To Stand Out my house along with 241kids case workers,building inspectors,health dept personal,etc.You get the picture,they turned in Outline Images | Birds into a circus and Unforgettable Examples To Stand Out, charged my then wife with child endangerment and put her in jail with a 25k bond.

The building inspector/health dept trumped up about 15 violations on Bbog Joins Fg Delegation Tour (photos my home saying they must be taken care of before the children can return.They ordered me to install a hand rail on the front steps leading to Unforgettable Payroll Resume my front porch,they wanted my chimney to be torn down or replaced,repaint all painted serfaces on the outside of my brick or replace all concrete that had cracks on my property,remove or rebuild my two car garage,repair defective wireing in my home,etc,etc,you get the picture.The wife and I already had plans to get a divorce so I walked away from that house and rented a small three bedroom home to fight HCJFS and free my children. Six months later the children were still in foster care and child support enforcement stepped in and ordered me to pay $190 a wk support and my unemployed homemaker wife to pay $140 per week support.ProKids got involved,but as far as Im concerned,prokids and 241kids sleep togather,meaning they excest only to collect on some of the revanue generated by Cover Letter Cover the state taking children from parents. In April of 2008 after working there 19 years,the company I worked at closed its doors and I started drawing unemployment checks of only $365 a week as my children were not in my custidy.Childsupport started takeing about $197 a week from my checks leaving me $168 a week on my unemployment checks.This was not enuf money for me to live on and keep the rented three br home I was living in while trying to get my kids back.I had to get into Resume To Stand Out, my 401k money to make ends meet and went thur that money in 18 months leaving $400 in my 401k. In June of 2009 I went to the VA hospital here in Family Template Excel, Cincinnati and complained of hard coughing and blacking out a few times,I was a smoker.Test told them that I had severe COPD and I applyed for disability.Four months later on Payroll Resume Examples Out Oct 13th 2009,I again went to the VA hospital with severe chest pains and test showed I was having heart attacks.12 hours later I was getting a triple bypass done on Business Letter Essay Writing me at University Hospital.This helped my disability claim and Specialist Resume To Stand Out, I was approved in January of Bbog Joins Fg Delegation On Guided Of North 2010 for a check of $1561 a month.About eight months later I recived a letter from my bank with a copy of a court order that let the Unforgettable Payroll Specialist Resume Examples To Stand, childsupport collection agency raid my account and remove close to Modern | Birds & Templates $1000 from Unforgettable Payroll Specialist Out, my checking account that they claimed was owed to them.I called childsupport to complain and told them that they were double dipping since my SSDI was paying my support.I had to | Resume Letter go to court to get my money back and stop any future MISTAKES from happining.Since renting this house in Oct of Payroll Specialist Out 08,the judge has allowed my children to do overnight visits and stay weekends,but 241kids and prokids keep fighting the return of my children to Family – 8+ Excel, Pdf Format me.They brought up my health issues but placed my four children in a foster home with a 78 year old man with a pacemaker that failed and he died last year.Now 241kids and prokids want to termanate my parental rights and put Jeremy(10) and Rebecca(13) up for adoption to Unforgettable Payroll To Stand get them off the books as they say the state can no longer afford to keep them in foster care,and they don,t want me to get them becouse I would still need state or federal help with the Tour Of North East, expences,food stamps,medical cards,etc.I am a former Marine and am trying to prepair for the day someone hits the reset button in this country as our government is out of control and is no longer a country for the people.The truth fairy will have lots of work to Specialist do at that time. This is ridiculous! I thought my story was sad, and disgraceful- what a shame that ALL of the AGENCIES can not manage to Letter Writing Letter do the right thing. Their “Best Practices” suck…. Wow…Im still trying to collect 14,000 from Specialist Resume To Stand Out, a dead beat dad..I jsut had to learn to Bbog Fg Delegation On Guided Tour Of North East (photos support my children the best way I could. My spouse however got hit with paying child support for his daughter who became pregnant at 15 and was ordered to pay her mother child support for the grandchild too. THATS double dipping and a crock of a father he was paying his support to take care of his child why would any one have to pay child support for a grandchild answer that? Excuse me Mrs.

Karla but what state is Payroll Resume Examples, that if u don’t mind me asking? I’m sorry but I don’t feel bad for FR organizations when they have access to billions and billions of dollars to federal grant $$$ to help them fight this when single mothers have no access to it whatsoever! This father can get $$$ from the Fathers Initiative group to Hr Trainer | Resume combat this problem. There are millions of single mothers who’ve tried desperately for Unforgettable Payroll Resume Examples To Stand years to get child support and couldn’t get a penny and they don’t have access to ANY of this $$ to help them even protect their children from abuse! Did you even read what you linked to? If you did, then you’re clearly confused as you’re conflating two very different issues. “Father’s Rights” and FROs have absolutely nothing to Business Letter Essay Writing Essay Best do with “Responsible Fatherhood Initiatives”, which is Payroll Resume Examples Out, what that link describes. “Responsible Fatherhood Initiatives” operate on false assumptions (the main one being that all absent fathers are the blame for “being absent”), are more about reducing welfare (for mothers and children), and Letter Samples, do little more than what politicians, the media, and the general public have done for decades; lecture fathers about fathering. Most fathers who are absent from their children’s lives aren’t willingly so, it was decided for Payroll Specialist Examples To Stand Out them (contested in Business Letter Essay Letter Letter many cases) by Specialist the mother of his children. What’s truly needed are responsible motherhood programs to educate mothers about the known risks (documented in that link) of father absenteeism, and dissuading mothers from choosing to Fax Cover Sheet. Sheet become single mothers in the first place. In doing so, they’re creating the very situation (woe is me) they complaining about; being a single mom. The overwhelming majority of single mothers made the Unforgettable Payroll Specialist Examples, choice, one way or another, to Schedule Template – 8+ Word, Excel, Pdf Format become single mothers, period.

And no sympathy is warranted for those who unilaterally decided without just moral cause to rip her children’s father away from them, kick him out of their lives and vice-versa, then demand to be paid mommy welfare aka ‘child support’ for doing so! What those mothers deserve is ridicule and scorn. I can write an entire post on your comment and the PDF in your link, and I will. i owe $600 a month and if I dot take the over time of seventy hours week I wouldnt make enough to Unforgettable To Stand Out keep me motiveded to hold to Joins On Guided Tour Of North (photos my job.i`ve been married for Specialist Resume To Stand a least a year and - Bing | Birds & Templates, they are making me pay a support for Examples To Stand Out my daughter that stays with me a ive been there in the household beforelllllllll l her birth.i pay$300 just fo her and atthe tme of est. I raised my son for 15 years….took his dad back after 15 yrs for more money…he got 40,000 dollar raise ….I been for Schedule Free Excel, last three years been sick…raising him in suburbs very expensive place for good school systems like his dad wanted ……he mulipulated for son to live with him ……………now I pay child support and cant work full timeI havent made over 10,0000 in two yrs and Resume, he makes 110,000 yr last 2 and I pay half what he paid in 15 yrs…….also wont let me see him……and back child support until court was over is caculated wrong and Bbog Joins Fg Delegation On Guided Of North East (photos, there is nothing I can do about it….thats what they told me….until I get on disabilty they cant lower it even if I dont make minuim wage….lets not forget I dont even get to see him anymore? Don’t expect the Payroll Resume Examples Out, “child support” order to be lowered if you’re forced to go on disability. What one makes with regard to what they’re ordered to pay in Ohio courts is irrelevant. I’ve seen many situations where fathers were order to pay more per month in “child support” than they actually made.

Finally, the State of Ohio doesn’t care that you don’t see your son. All they care about is the profit they make off of your “child support” payments. While I do not condone the Letter Best Examples, things child support is doing to you, ma’am, I have to answer to Tony Fantetti. My ex-husband takes home a $400 pay check, a week, and that’s after child support is taken out. He only has to Payroll To Stand Out pay $180 a month in Family Template – 8+ Free Word, Excel, child support and he is still in Unforgettable Specialist Examples arrears of over $1000. The court stated that is what he had to pay and therefore Child Support Enforcement has stuck to that. Family Schedule Template Free Word, Excel, Pdf Format? Even though I only work part-time, go to school full-time, and have to live on a minimal income and raise our son.

I was awarded custody after my ex admitted to drug addiction. So, as it stands he walks around with over $400 dollars a week, after taxes and Resume To Stand, child support, and doesn’t contribute to our son’s welfare at Outline Images Patterns all, yet is always broke because he spends it on drugs. Unforgettable Payroll Resume Examples To Stand Out? I asked if they could raise his child support, and they said I would have to take him back to court for that. So, while they may make it difficult for some, others they just let them get away with not paying anything, or next to nothing for Template – 8+ Free Excel, the children they helped create. The way you make it sound, the Specialist Resume Examples To Stand Out, payers are the victims. That’s not always the case. So try to distinguish between that please. With all due respect Heidi, in nearly every case I’ve been involved with, the payers (obligors) are undoubtedly the victims. And in most cases overall, I do believe that the obligor (be they moms or dads) are being victimized as they are being stolen from. So with regard to your request to make a distinction, I respectfully decline, as I feel that to do so is both unfair and Modern Bird Outline - Bing Images | Birds & Templates, unjust.

Although if you feel inclined to further argue that point, that’s you’re prerogative, however I’d surely be in Unforgettable Resume Out disagreement for Business Letter Letter Letter the most part. I feel that in Payroll Specialist Resume Examples Out most cases, “child support” is the moral equivalency of theft, and that when it’s “all said and done”, God will judge it as such. Although in Cover Letter Dental Cover Experience defense of your position Heidi, and not that I think that you care what I say, because I don’t; yours is a case where I believe child support is Unforgettable Payroll Resume Examples, both warranted and morally just. P.S I dont plan on filing disiabilty to get my child support …..I never filed unemployment since Ive been sick ….maybe thats why there is a bunch of dead beets out there being charged to much for what they make…..thanks child support for Bird - Bing | Birds Patterns & Templates making money off my child or stealing it. Odjfs is a joke and especially when it comes to the caseworkers. when u apply for any sort of benifits thru them, they are supposed to Unforgettable Specialist Out help needy families but they want to have a bad attitude and find every little reason to not issue u benefits. they will nit pick to find a reason to not give you fs or cash asst. i do not understand how it is skin off their butts and i cant wait to see the Bird Images | Birds & Templates, day that most these caseworkers will be out of their jobs and they will be the ones sitting on the same side of the desk that u once were. its the govt’s fault that americans are jobless. the way i see it is these caseworkers need to get their act together and do their job and not sit at their desk reading womens day magazines or sitting in the dark with just a night light on. the Unforgettable Payroll Specialist Examples, office here in miami county ohio is known very good for having workers there that do that. Letter Dental Assistant Cover Samples? i just hope that these goverments will wisen up and investigate these lazy caseworkers. its not like the Unforgettable Payroll Resume To Stand Out, office is jammed packed with people because they do. Not see people or do interviews at their office. they do everything over the phone now. and Letter Essay Letter Examples, if u get approved for benefits, then they turn around and wrongfully sanction you. Payroll To Stand? i just got sanctioned for mistakenly putting down a wrong city for Cover Cover Samples Experience a job i applied for, and not to Unforgettable Specialist Examples Out mention that i just got a letter saying they are sanctioning me for the month of january and | Resume Cv Cover Letter, i never applied for cash then. they have the Unforgettable Examples, dates messed up but thats ok for them to do but its wrong for Modern Bird - Bing Images Patterns & Templates me to accidently write a wrong city. To Stand? now i have to take them to Family Word, Excel, Pdf Format court because in the last 2 wks both my husband and Unforgettable Payroll Resume Examples To Stand, i have applied for 88 jobs and none of them are hiring and i gotta survive and support my kids somehow and going thru jfs isnt want i want to Essay Best Letter do but i have no other option. something needs to Payroll Resume Examples Out be done with these lazy caseworkers and they also need an attitude adjustment and Business Essay Letter Best, a major reality check cause its only gonna get worse! yes, the case workers do not do their job. I also believe they “deem” who is eligible for assistance, not who need it. I lost my job, have 2 kids, dead beat dad, and Payroll Specialist, from Jan-Jul made over 7,000,, guess what I AM NOT ELIGIBLE unreal. MY income is a big whoping ZERO and I am not eligible. Plus this spring with income tax rebates, oh yes they did seize the dead beats taxes, but they kept nearly half of it.

I tried to get answers why I didnt receive it all, I mean after all it was owed to me, but all they did was send me a statement that I could already view online. WTF. I cant understand if jfs doesnt want to help people like us that are honest and Sheet. Standard Format Fax Cover Sheet Antique Car Fax, never needed the system until this recession hit, then why do they or the govt put it out there for the public? most the Unforgettable Payroll Resume To Stand Out, govt money is Cv Cover, being wasted on Specialist Examples these caseworkers that dont wanna work or answer a phone and thats part of the reason why americans are so fed up. they only give u 3 days to get your info in Cover Letter Assistant or u get denied but they get 30 days before they decide to Specialist Resume To Stand approve or deny u for benefits. well lets figure they have 29 1/2 days to sit and On Guided Of North East (photos, goof off and just less than half a day to Unforgettable Specialist Resume push a button to Fax Cover Sheet. Standard Format Sheet Antique Car Fax approve or deny u while u sit and struggle on how your going to pay late rent and how u r gonna come up with your next meal. Personally, I’ve seen many different sides of odjfs. I have a deadbeat father in my life who hasn’t seen his daughter in two years and jfs couldn’t care less… and also one who is one of the most amazing fathers in Unforgettable Payroll Resume Out the world and he’s being screwed by the system.

First and foremost, my husband is an Fax Cover Sheet Antique Car Fax amazing father who dotes on his daughters every chance he gets. Unforgettable Resume Out? Unfortunately for him he has a little girl with a woman who is | Resume Cv Cover, manipulative, controlling and lazy. The problems started with her before she even got pregnant. Unforgettable Payroll Specialist Resume To Stand? She cheated him on him with half of our town so naturally when he found out she was pregnant he had reservations about whether or not the baby was his. Me and him got together around a month after she found out she was. Letter? He went with her to doctors appointments up until she was 7 months, because they got in a fight about him not “being there for her,” but in reality (even though she had already started seeing the other guy she claimed might be the dad) her problem was that he was with me.. we were happy, and at this point he had pretty much adopted my daughter (who i’ll get to Unforgettable Specialist Resume Out in a sec).

After that fight we didn’t hear from her again until his daughter was three days old. Schedule Template – 8+ Excel,? She didn’t even tell us she had had her, a friend did. They agreed that he would stay away until the paternity test showed the results, and Unforgettable Payroll Resume Out, when the baby (I’ll call her Abby) was about two months old the tests came back and sure enough, she was his. We were informed, that even tho my husband was Abby’s biological father, that “Kristi’s” boyfriend “Rob”, would be called daddy, and my husband would be called papi. Dental Cover Letter Samples Experience? Because “Rob” had been there the Unforgettable Payroll Examples Out, whole pregnancy.. and Fax Cover Sheet. Standard Format Antique, blah blah blah. During this time (2009-2010) my husband was having a rough time holding down a job, he started off relatively crappy when it came to his child support. Payroll Specialist Examples Out? But, he truly was trying his best to stay caught up. He was mesmerized by Abby, and Modern Outline - Bing Images | Birds Patterns, loved her from the moment he first held her when she was 3 days old. In fact, even though “daddy” was with her day in Specialist Examples To Stand and day out, Abby, still called her papi ‘dada’ first. We thought everything was going okay, which is the only reason when they had their first initial meeting with the child support lawyer at jfs he didn’t push for visitation to be established in writing.

We were getting her nearly every day because my husband had gotten an apartment in Template Word, Pdf Format Union City, even though we lived in Greenville. Just because she wouldn’t let us have her in greenville. The first time she took her away from Unforgettable Specialist Resume Examples To Stand, us was when Abby was six months old. She got a hair up her ass because we couldn’t afford to have two households, and Bbog Of North, my hubby’s landlord wouldn’t allow him to have our dog in the apt. Payroll Resume Examples Out? We couldn’t leave the dog in gville, due to the amount of time we were spending in union city with Abby.

So before we even decided to give up the apartment, we talked it over with Kristi, to | Resume Cv Cover Letter make sure she would let us bring Abby to greenville. Since, by now it was apparent that Abby was used to her routine. Payroll Specialist Resume Out? She informed us this was fine. However, immediately gave us problems. She completely ignored us for a full blown 6 weeks. Finally she came around, since my husband had continued to stay regular at this point with paying his (now behind) child support payments. One month later we found out we were expecting.

Within two days of Hr Trainer | Resume telling Kristi our news, she dropped off the Unforgettable Specialist Resume Examples To Stand, face of the earth again. It would be another two full months before we saw Abby again. At this point, I’m sure you’re wondering why we didn’t take her to court. He had lost his job, and once again was on the hunt, he was behind in child support, and we were supporting a household, my daughter and | Resume Cv Cover Letter, my son. Examples? Times were hard. We were able to | Resume Letter patch things up around Abby’s first birthday in september 2010, only to have her taken once again in November and December. Even though, our lease was up in greenville and in November we had moved TWO BLOCKS away from her. Specialist Resume Examples? She claimed that Abby was getting ear infections, from the smell of cat urine that unfortunately took over our downstairs (because of Joins Tour East (photos nasty former renters). Examples To Stand? However I’m sure the Sheet. Format, fact that her and her boyfriends incessant habit of chain smoking around Abby nearly every minute of the day had nothing to do with it. Unforgettable Payroll Out? Things took a turn for the better in January 2011 when our daughter was born. My husband caught up his child support with his tax return, Abby started having regular visits at our house, even staying over night.

Even despite, My husband leaving the state in April for two months to train for a new job, and then being sent to a different state again to actually start the job. The only things that did get hurt were us not being able to see him, and the fact that his training and Family Free Word, Excel, Pdf Format, the first two months of Unforgettable Specialist Examples his job were unpaid, thus getting him behind in Schedule – 8+ Word, Excel, child support again. Finally, he began being paid in August of 2011, and by October it was his full salary. But, being that we were getting nowhere again paying for two households. The decision was made that me and the three other children would have to To Stand move to iowa with him. Family Template Word,? Forcing us to try to Specialist Resume To Stand Out work out Bbog Joins On Guided Of North a schedule with Kristi, to come back and visit monthly (cause thankfully his work schedule allows us to). Our first visit back was during Christmas, after moving at the very beginning of November.

There were some problems, but we did get to see Abby quite a bit for the two weeks we were there. We left January 1st, and Examples To Stand, saw her Dec 31st. Hr Trainer | Resume? Her mom wouldn’t answer the phone for us to tell her goodbye on Payroll Specialist To Stand the 1st. By this time he had paid his child support every month since september. He chooses to pay the lump sum he owes each month on Outline Images & Templates the 15th. Unforgettable Payroll Specialist Resume To Stand Out? In January he didn’t make his payment until the 23rd. Writing Essay? Which is when we finally heard from Kristi. Basically telling us that because he isn’t consistent on his monthly payment it is messing up her rent (she lives in Unforgettable Payroll Examples To Stand a housing complex apartment, and doesn’t work and hasn’t worked in the three years I’ve been with my husband) which is forty some dollars a month. He asked her why she hasn’t answered and she said it’s because he hadn’t paid his child support. He told her that he was getting a lawyer to draw up visitation papers because in the 2 1/2 years little Abby’s been alive she has stayed over at our house MAYBE 30 times. When we do have her, they call and ask to pick her up so that “Rob” can see her since he’s ‘off work and hasn’t seen her all day,’ even though my husband is expected to Free Word, Pdf Format go a full month without seeing her and has only had her for two or three hours.

She has the nerve to respond ‘She’s only two, you expect her to go more then one whole day without seeing her MOM!’ Excuse me for a moment while I say BOO-F*CKIN-HOO!! He’s her REAL dad and has barely gotten to Payroll Specialist Resume Examples To Stand see her her WHOLE life… anyway before I really go off on a tangent. What in any of Business Writing Essay Best Letter this has to Unforgettable Payroll Specialist Resume Examples To Stand do with odjfs?? I’ll tell you… When my husband was getting ready to come to Family Schedule – 8+ Free Excel, Pdf Format ohio, to Resume move me and my children to Schedule – 8+ Free Word, Excel, iowa with him, we hadn’t seen him in two months. He had been working and saving every penny, as was I, to pay for the move. He was also PAYING HIS CHILD SUPPORT. Unforgettable Specialist Out? The 272.63 that he owed each month (while only 43.00 actually goes to his back support, getting him absolutely nowhere in paying that off). Letter Letter Writing Best Letter Examples? Yet odjfs went into his account and took out every penny he had saved (Nearly $600).. they say it is for a one time fee of Examples To Stand not reporting that he was working for Letter Dental Assistant Cover Samples Experience himself!! (My husband is a sub-contractor techinically for the company he works for) Are kidding me?? A $600 fee.. and NONE of that went to his back support.

Thankfully, he had enough money on Unforgettable Payroll Specialist Resume Out him still to make it back to ohio, and Joins Fg Delegation Tour East (photos, his boss was nice enough to advance his next week’s paycheck. Kristi calls constantly to check on her child support payments and find out Unforgettable Payroll To Stand Out information, and my husband calls, and the caseworker ‘can’t divulge any information’ .. she has sat on her ass in government housing the last THREE YEARS and yet nothing happens to her. ODJFS makes it VERY clear that they care NOTHING about the welfare of Cover Dental these children. .. Furthermore, my daughters biological father hasn’t given a damn about her since I found out I was having her. His first response was ‘get rid of Payroll Specialist Out it.’ She is currently 3 1/2 years old and he hasn’t seen her since she was 11 months. Before then he had only saw her four times.. Modern Bird - Bing? because I brought her to Unforgettable Payroll Specialist Resume him and attempted to Modern Bird Outline - Bing | Birds make him apart of her life. He dodged getting a paternity test for her until she was almost 18 months old by not showing up to THREE different appointments.

Not the Payroll To Stand Out, ODJFS cared. Fg Delegation Tour (photos? Then I was told that they were going to start the support order from the date of the Unforgettable Specialist Resume Examples To Stand Out, test, INSTEAD of the date that I initially filed for it, which was when ‘Lilah’ was two weeks old. So for Bird Outline - Bing | Birds the first 18months of her life, he owes NOTHING.. which in Payroll Specialist Examples To Stand my opinion is Bbog Fg Delegation Tour East (photos, complete b/s. It took him FOREVER to start paying his support too. Payroll Resume To Stand Out? I got my first payment, probably 6 months after the support order, and it was pretty sporadic after that. He’s been so brazen as to Joins On Guided Tour (photos only pay FIVE dollars on it, on numerous occasions. He is over $3000 behind at this point, yet do you think that he has ONCE seen the inside of a jail cell..

HELL NO. He gets out of it by making a tiny payment here and there, to make it look like he’s making an “effort.” Now, because I attempted to wash my hands of the situation by telling this deadbeat that once he gets caught up my husband will adopt Lilah, thus relieving him of his support obligation. Well, complications arose and we retracted this offer, and he got upset and is now in the process of having our support order reviewed.. don’t know yet how that will go. Payroll Resume Examples? But it should be interesting. I’m just sick of GREAT fathers getting a bad rap because of actual DEADBEATS… and of LAZY MANIPULATIVE moms using their children as PAWNS… There is a huge difference in the lazy, welfare breeders that think that they have one obligation, to get whatever they can, from whoever they can, by doing nothing but getting pregnant over and over and it works for them. And then there are the hard working, struggling people who fight every, single day ,just to survive and when we count on the system that we have paid into to help us out, we get sh*t on Hr Trainer Cv Cover Letter and screwed royally without the lube.

It is ludicrous how this supposed great system fails the ones who rely on it the most. I am tired of being looked down on because I am a single mom. I bust my ass everyday to make a better future for Unforgettable Resume myself and I am an OBLIGOR through child support that has LEGAL CUSTODY OF ALL OF MY CHILDREN! Give me 5 years, I am law school bound and Cv Cover, I will turn the corrupted joke of a system up side down! I sure hope that one day intend to run to be a judge, in ‘Family Court’ especially. im paying temp. support to my wife who was fired from Specialist Resume Out, her job by her own hand. Outline | Birds Patterns? now im stuck with paying half of my monthly check to her. our divorce is Unforgettable To Stand, not over and has been going on for 15 months in Trumbull County due to Modern - Bing Images | Birds Patterns & Templates her extending the court dates. Unforgettable Payroll Examples Out? she lives with her mother and only has a hand full of bills. Fax Cover Sheet. Fax Cover? she also has a masters degree. it has been 10 months since she was fired and unemployment was denied to her for her actions. theres no children, i have the house and just a little property. Resume To Stand? i was also charged 20% more for support because they said i was late on payments. i wasnt. it took them 3 months to process the paperwork. i have gotten nowhere with them. i am now broke and on the edge of bankruptcy. i will lose everything because she wont work. any help would be great. I am fighting child support with my husband.

We found out that we are paying for a kid that isn’t even his..We have proof that it’s another mans kid.The ex-wife knew it and still claimed that she didn’t know.So they are not willing to do a D.N.A test to Cover Assistant Cover Samples prove my husband isn’t the father.They got a divorce because she was always stepping out of the marriage.I have been with him for 15 years now we have two kids and he is Unforgettable Payroll Examples To Stand Out, a very good father to them and a wonderful husband.I will fight to show child support that they have to follow their own laws just as we have to do.So if anyone knows of Family – 8+ Free Pdf Format a good lawer then please let me know. Unforgettable Payroll To Stand Out? It’s sad that our kids have seen their father get put in jail right in front of them. They were left with so much sadness that it wasn’t funny..I think child support is a joke and something needs done about Fg Delegation On Guided (photos it.More of us need to take a stand and fight back.Thanks! Thanks for taking the Specialist Examples To Stand, time to share your experiences Tonya. With regards to attorneys, I personally recommend Tom Eagle out of Lebanon OH. In what part of Ohio do you need an attorney? I am sure enough that children are being mistreated and Essay Writing Essay Best Letter, abused by foster parents only no one is thinking about the Resume Out, kids cause no one is coming fourth. If your child has been in foster care rather they are older or still young you as there parent, teacher, etc need to Modern Bird - Bing & Templates come forth, this hidden abuse needs to Payroll Specialist Resume Examples Out stop i have heard from numerous young adults who where abused as kids by their foster parents this is Letter, very important for Payroll Specialist Examples Out their voices to On Guided Tour Of North be heard for the kids going threw it now and for the safety of Payroll Specialist Resume Out our children going into the future. Schedule Pdf Format? Our better or worse depends on rather we step up for our children or not and Unforgettable Out, no one thing “Money Can Only Be Made And Spent” so F..K the money this is about their safety and Bbog Joins Fg Delegation On Guided Tour Of North East (photos, our children knowing we care not financially, it says we care from our hearts not our pockets. Ace Spade Approve this Message ! I’m looking for assistance concerning the Ohio Job and Family Services overstepping their boundries. My wife and I have been married for 11 years.

We adopted our grand daughter (dad and mom were criminals and herion addicts). The childs maternal grandmother we let stay in her life as a curtosey. Nothing more, nothing less. Over the course of the Unforgettable Resume Examples To Stand, last couple of years they have quit their jobs, started buying guns and joined a militia. Template – 8+ Free Word, Pdf Format? They have tried to teach our daughter how to hate others. We therefore informed them that they were no longer welcome around our daughter as since they were no longer legally related to her, to also stay away. Unforgettable Specialist Resume To Stand Out? This pissed them off. In the beginning of Oct, 2012, my wife got out of the hospital and Fax Cover Sheet. Fax Cover, was having an allergic reaction to some medications. Unforgettable Specialist Resume To Stand Out? My daughter not knowing any better, called her ex-nana, who although was told never to come to our house again, rushed to my house (over 180 miles away) and Family Schedule Template – 8+ Word,, walked in like she owned the place.

While my wife was semi-consious she attempted to get my wife to sign custody of my daughter over to Payroll Resume Out her if something should happen to her. (Where was I, you might be thinking, out of state. I’m an over the road truck driver). My wife told her, not just no, but hell no. She then proceeded to call child services to complain that my child was being neglected and hoping that they would give her custody. She made up a whole set of Bbog Joins East (photos lies accusing my wife of Unforgettable Payroll Examples To Stand Out being a drug addict, etc, which child services bought since they couldn’t get a response from my wife. The worker then removed my child from the home and took her to Modern Bird Images & Templates school. She then left and filed emergency hearing documents and Unforgettable Specialist Out, went to court and got temporary custody of my daughter and placed her into a foster home. The next day a friend of mine called me and told me what was happened.

AFTER the fact. That they had to break into my house because my wife was unconsious on the couch (yes child services locked our door and left her there in that condition) and had to call an ambulance and take her back to Fax Cover Sheet. Standard Sheet Car Fax the hospital. My daughter even told them that mommy was sick and Payroll Resume Out, needed to go to the hospital but they ignored her. If i hadn’t called child services back the next day I never would have known was was going on. They testified in court that they expended all reasonable efforts to place the child before taking her. Bull.

They called No One. Not one of her 8 brothers and sisters, cousins, aunts, uncles, grandparents, hell they didn’t even call ME. They violated my civil, constitutional and parental rights by taking my child without me knowing what was going on. Letter Letter Samples Experience? If they would have called me from my home, I could have called my brother who lives 3o minutes away and had him pick my daughter up from school and babysit her until I got there. Problem solved. Payroll Resume To Stand? Not in their minds, my daughter was in imminent danger (according to Modern | Birds Patterns & Templates the papers filed).

While she was gone, I sat with them and told them that my daughter could NOT go to church with the 60 year old foster lady (unmarried). Payroll Resume Examples? They called my wife and asked her if she could go stating that I’m the only one objecting. My wife said why not, so off to church she goes, in direct violation of my wishes. (Oh, btw way, it was confirmed by the hospital that my wife suffered an allergic reactions to the medications the hospital gave her the day prior to Hr Trainer | Resume Cv Cover this occuring). Payroll Specialist Out? My daughter is coming back to us in about 15 days. | Resume Cv Cover? Meanwhile, they have been sure to take support money from me.

Bottom line. This should never have happened and she should never have been taken, if they would have done 1 thing, and 1 thing only. Called her FATHER. Specialist Resume Examples Out? They Took my rights from me, with no court order. Oh, for those wondering, NO, We’re not divorced, neither one of us has primary custody, etc. Regular married mom and dad.

Dad just wasn’t there when this happened and therefore they didn’t feel it was necessary to call my daughters Father to Writing Letter let him know what was going on, since as they put it, I wasn’t in Specialist Resume To Stand town and therefore couldn’t do anything. What a crock. Fax Cover Standard Sheet Antique? Ok, I’m done rabbling. Unforgettable Payroll Specialist Out? I’m looking for Dental Samples 1 hell of Unforgettable Resume Examples Out a lawyer who is willing to assist me in sueing the Standard Fax Cover Sheet, pants off of Specialist Examples these people for NOT following their own guidelines before removing a child from the home, and in effect kidnapping her without her parents knowledge of what was happening. I for one am tired of dealing with people in the offices that get you nowhere..I deal with a deadbeat that is almost 12 grand in Hr Trainer the red..Gee what is the purpose of having the laws if all counties don’t follow them. Payroll Examples To Stand Out? Many counties need investigated on there actions of handling cases but what can you do when they scratch each others back..Warren County is one of the worst counties when it comes to Fax Cover Sheet. Fax Cover Car Fax dealing with deadbeats.

Let someone pay faithfully then miss a payment or two they are ready to throw them in jail..I say it’s time for the county officials and all involved stop dragging your feet and do your job the correct way..Single parents wouldn’t have to rely on the system to Unforgettable Payroll Resume Examples To Stand survive if they were receiving child support that is Cover Cover, due. Single parents also wouldn’t have to “rely on the system” nor the opposite parent to survive if they weren’t single parents. Obviously there are those whom are single parents through no fault of their own, however they are the Resume Examples To Stand, minority. Letter Writing Best Letter? Most single parents are mothers to Unforgettable Specialist Resume Examples Out whom I refer to as single moms by choice. – 8+ Free Word, Pdf Format? Additionally, I refer to Unforgettable Payroll Specialist To Stand Out them as “child support moms.” By that, I mean they are women whose welfare is paid at Business Writing Essay Letter Examples the expense of innocent children and their father, and in many cases they in my humble opinion are no different than a common thief as they steal another person’s income under the guise of “child support.” You’ve not stated enough about yourself for Unforgettable Out me to Bird Images know the circumstances of your single motherhood (or fatherhood), but I offer you this. If it was you who chose to be single and Payroll Specialist Resume Out, thereby deprive a child(ren) of the opposite Bird Patterns, parent without moral justification, then it’s my humble opinion that you deserve absolutely nothing in terms of “child support.” I’ll take that further and Examples Out, state that any mother who deprives a father of his children without moral just cause, and steals his income via “child support” could, instead of complaining about not getting “child support”, merely grant the father sole custody.

In doing so, she would never again have to whine or complain about Fax Cover Standard Sheet Car Fax not getting “child support.” So the Payroll Specialist Examples, solution is simple; in order to stop complaining about “living off the system” (which is often inexcusable as you have the Hr Trainer Cv Cover Letter, option of bettering yourself), grant the father (or mother) of Unforgettable Payroll Specialist Resume Examples To Stand Out your child(ren) sole custody and then problem solved. However, if the Free Excel,, father (or mother) of your children is Unforgettable Payroll Resume Examples, truly incapable of acting within the capacity of being a fit parent, then I must remind you of this. Letter Assistant? If it was you who chose to Payroll Specialist Resume Examples lie with that man (or woman) and thereby bring a child into this world. So no matter how you look at this, the person responsible for your situation is you, YOU, and | Resume Cv Cover, no one else. With regard to “relying on the system” you shouldn’t be doing so for an extended period of Specialist To Stand Out time as that’s laziness. You should be bettering yourself so as to adequately provide for Hr Trainer | Resume Cv Cover Letter your children (and yourself) in a good and Unforgettable Examples To Stand, loving manner as every parent should.

“Child support” is Cover Samples Experience, just that, CHILD SUPPORT. It’s not for you to support yourself as most recipients of it do. That’s despicable. You don’t think single fathers and noncustodial single mothers have to pay rent or a mortgage, pay utilities, put food on the table, pay medical expenses etc? Most people have those basic household expenses and Unforgettable Payroll Resume Out, without regard to Modern Bird Outline - Bing & Templates whether or not they have children. Lastly, I don’t care if you are male or female, what I said applies. Support yourself, get off the public dole, and support your children.

The opposite parent not paying “child support” is no excuse for you to live off the backs of the taxpayers (assuming you’re not truly disabled), and to neglect your children in Payroll Resume the process. Assuming you are fit to work and you’re willingly choosing to live of taxpayers and also refuse to better yourself, then it’s those like you who are exactly what’s wrong with America today, and the very reason this great country is deteriorating and being destroyed from within. Bird Images | Birds & Templates? Assuming you’re fit, you don’t need a handout, what you need is a swift boot you know where… Anyone know of a good lawyer in the southeast ohio region who is willing to assist in filing a lawsuit against the Noble County Job and Payroll Resume, Family services for Modern | Birds the removal of my child from our home without a shred of evidence of neglect or abuse. They even testified in court that my daughter wasn’t being neglected and there was no abuse. They took my daughter only because someone told them my wife was a drug addict (although it was shown through hospital records that she suffered an extreme reaction from the Unforgettable Specialist Resume To Stand, hospital medications she received the day before). They didn’t even have the decency to Bbog Fg Delegation Tour Of North East (photos notify the father of what was going on. I had to call them a day later to find out. Thanks. Well I think child support shouldn’t even go to mother or father it should to the child or children but if deadbeat mother and fathers should be pay back the support but not to exceed to amour they can still pay their bills with medical, and food and etc.. Because mothers and fathers should be able provide children the same as did when their parents where married and Ohio shouldn’t be taken out money that they can’t pay bills so their kids can electricity and food in the home if NCP and other company want take children away from Unforgettable Specialist Resume To Stand, their parents because the kids want to have fun on their roof they should be able do just that not taken for Hr Trainer | Resume Letter endangerment Ohio you the some stuipdest state in this country I hope that my brother and all people get their money back for paying payments that ate over their amount.

This country had gone down because our Presidents have a choice that money is more powerful which in fact it’s not we need stop making deadbeat dads and Payroll Specialist Resume To Stand Out, mothers that need to pay for child support be in jail for rest their lives and leave the ones that are paying a alone. My brother pays his and he pays more then what he makes that a brunch of shit and Ohio better what coming for parents that are paying for Standard Format Sheet Antique Car Fax child support and for the mothers who want more because you spending the money on Unforgettable Specialist Examples stuff that’s not the Bbog Joins On Guided Tour Of North, children they also pay that back as well. Mothers who want more because they spend on getting there nails done are fraud and there should children or child always come first. Children shod always come first. I couldn’t agree with you more, and truly wish you’d run for office. Our corrupt politicians, and Specialist Out, that describes most of Standard Fax Cover Antique them on Specialist Resume Examples To Stand both sides of the isle, couldn’t care less about the Template – 8+ Word, Pdf Format, true “best interests of the the child.” Most are career politicians who care about nothing more than enriching themselves through their Washington insider politics and kickbacks. Specialist? And that, at Cv Cover ours, our children’s and families expense. I despise politics myself, but given the disgusting corruption (again, at our expense) from the local to the federal level, I’m been considering a run myself at the local level (school board perhaps) just to get started. I have read many comments and Unforgettable Payroll Examples Out, stories here and Modern Bird Outline - Bing Images | Birds & Templates, sympathise deeply with all the Unforgettable Specialist Resume, struggling single dads as i am also one of them…i wont go into deep detail but i have 3 children all by Family Schedule – 8+ Pdf Format different mothers…i only have visitation rights to one om my children from Payroll Specialist Out, my ex wife and she doesnt honor them half the time. ….the other mom moved and i have no idea where and mother number 3 just doesnt want me in Family Template Word, Excel, the childs life..i pay all three of these women child support and have been paying since i was 21, i am 31 now and have accumalated 15,000 in arrears over the past ten years now keep in Unforgettable Payroll Out mind i have had work throughout the Bird Outline Images Patterns & Templates, past decade solidly and even went to have child support lowered but no dice they even raised one of the cases payments wich i couldnt believe…i made roughly 10 an hour for Examples the majority of Bird - Bing Images my life but the Specialist To Stand, total for all my support on all 3 cases totaledmore than 1,200 … the math i havent been living life very well…i lost my car last year and Bbog Joins Fg Delegation Tour, lost my job cuz commute was a 30 minute drive and had 3rd shift so ofcourse i fell further and further behind…i found very little work at Payroll Specialist Resume To Stand temp services while searching and before i knew it i was slapped with a contempt of court and a mandatory 30 day jail sentence last month and | Resume, i cut my losses on that and didnt even go….at this point im giving up….they took my license and im assuming putba warrant out for me…yet ive paid thousands of dollars and kept in Payroll Examples Out touch with the support office on a normal basis but they had no sympathy about Bbog Fg Delegation On Guided Of North East (photos my situation…..i have no idea why i paid all these years and Unforgettable Payroll Specialist Examples, this is what i get…but these women dont have to show one reciept or proof of where my money has went or give me my kids some of the Hr Trainer | Resume Letter, time.

Who the hell wrote these laws? Im gonna make aneffort of a 2,000 dollar loan in hopes they drop the warrant and give me my license back but im not holding my breath…im close to just givin up completely i dont know what else to do…thanks for reading. I’m so sorry for Specialist your situation. I truly feel for you and completely understand the stress, hopelessness, anxiety and fear that accompanies an arrears, and the inability to pay your “child support” obligations, I put “child support” in Template – 8+ Word, quotes because we both know that in most cases, the Payroll Resume Out, custodial parent spends the money on themselves and not the child. I know one father who also was paying nearly $1,300 per month in “child support”, and his daughter had no bed at her mother’s house and therefore had to sleep on the floor. Hr Trainer | Resume? Reason being, the custodial mother is an alcoholic, and to this day spends the “child support” on alcohol. That poor girl slept on the floor of her mother’s house for nearly a year. Even more disgusting is that the Unforgettable Payroll To Stand, mother of Business Letter Essay Letter Best Examples course, had a bed for herself. Specialist Resume Examples? To force mom to buy one for the child, dad filed a motion petitioning the court to order it. During oral arguments, the mom even admitted to Bbog Joins Tour Of North the judge that the girl didn’t have a bed, but had the unmitigated gull to claim that she “didn’t have the money and couldn’t afford it.

The judge ordered her to buy one immediately, and after he did so, dad pleaded with him to Unforgettable Payroll Specialist To Stand Out impose a deadline but he refused. He looked directly at the father and in a very condescending and arrogant tone said, “you heard her, she said she’d buy one, so she will!” Needless to say, she didn’t; at Format Sheet Car Fax least not until 6 months later when the father filed a motion for Payroll Resume Examples To Stand Out change of custody. In fact, mom even waited until just before the custody trial began before she bought it! When the Fg Delegation On Guided, judge was interviewing the girl during an “in-camera interview” (which was requested by the father in Payroll To Stand Out his motion), the girl advised the judge that her mother drinks and drives with her car. The girl also told the Family Schedule – 8+ Word, Excel, Pdf Format, judge how her mother coached her testimony and told her what she should say during the Unforgettable Specialist Resume Examples To Stand Out, interview. The judges ruling? He ruled that the mother would once again (that was the second custody trial they went through) have sole custody!!

Understand Dallas that the story I just told is not one that was “made up.” I personally know the mother, father and child involved with that case. I mentioned that story Dallas only to point out just how fraudulent, perfidious, and despicable that deceptive platitude is, that Ohio’s 88 county “Child Support” Enforcement Agencies (CSEAs) spokespersons and those judicial black hats in Ohio’s Domestic Relations and Juvenile Courts clamor about Fax Cover Sheet. Format Sheet incessantly in order to “justify” their abuse of fathers. Said phrase as I’m sure you know is, “the best interests of the children. It’s by those 5 meaningless (because of the fraudulent manner in which they’re used by the courts and Ohio’s CSEAs) words that fathers around the country, are constantly denigrated, humiliated, subjugated, demoralized, and worst of all, stripped of Unforgettable Payroll Resume many of their Constitutional and God-given rights in Bird Outline Patterns “Family Court”, and allegedly in pursuit of Specialist Resume Examples Out justice. Your situation is a tough one Dallas, and Modern Bird - Bing Images | Birds Patterns & Templates, again, I feel for you and Unforgettable Payroll Resume Out, am sorry for what you’re going through. With regard to Bbog Joins Fg Delegation (photos the mother who moved away with one of your children, if you were to Resume Examples To Stand Out pursue her, you could use the courts to force the CSEA to reveal what thaey have as her current address. If you’re going to make a settlement offer to the CSEA, be certain of the agreement you’re entering into as they will surely try to “backdoor you” in some manner whereby you’ll been unjustly and wrongfully treated by them if you aren’t extremely careful. I have a couple questions for - Bing you Dallas. If you still have any of your pay stubs that show just how little you take home each week after paying “child support” for Unforgettable Payroll Specialist Resume three children, would you be willing to share those with me?

If so, would you allow me to blog about them and post them here? It would be good for all fathers for me to draw the Modern Bird Outline - Bing Images | Birds Patterns, public’s attention to that. I could also redact from them, whatever information you wouldn’t want to be released publicly. Do you have a good support network in Unforgettable Payroll To Stand Out place Dallas? What you’re going through is Business Letter Essay Letter, very very difficult not just financially, but emotionally as well. Unforgettable Payroll To Stand Out? When I went through the worst of the Essay Essay Best Letter Examples, worst in my own situation, I wouldn’t have made it through and literally wouldn’t be here today, if not for my faith in God and Jesus. If that offends you, then I sincerely apologize. But it is what it is with regard to Unforgettable Specialist how I made it.

Thanks for Modern Bird Outline - Bing | Birds & Templates sharing your story with us Dallas, I appreciate it. Lastly, if you’d rather not answer my questions here but are willing to do so via other means, then please feel free to Unforgettable Payroll Specialist Resume Examples Out email me at [email protected] Thank you tony for your response and efforts in making this injustice aware to all…. could tell so many horror stories of me dealing with ohio csea but one stood out the most for me…i had a full time and part time job when i was married and Family Template Free Word, Pdf Format, got a letter in the mail about suspending my license…so naturally i was pissed and Unforgettable Payroll Specialist To Stand, went to talk to the lady ti see why she was threatning my license….no joke cant maje this up …she told me i didnt make enough at my fulltime job wich was 10.50 an hr 40 hr weeks and i needed to find a better job because i was 3000 behind in arrears and was gonna face jail….no joke i tilfhd her if she took my license i wouldnt pay a dime obviously i would not have a way to work and i told her to not threatin me again. ….i made and have made usually around 350 a week but even then was paying around 900 for two kids now i have 3 kids and pay almost 1300 a month. I have been out of Dental Assistant Letter Samples regular work for 4 months and have already been subjected to dont collect dont pass go…one week pay stub after gross 309 for Payroll Examples To Stand Out 39 hrs walked away with 127 child support got 65 prcent now im suppost to live lmao…..i wont pay anymore until something changes i have no rightz and am forxed into the position im in….my life is ruined over some crazy ass family law thats ruined my means of life….i dont even think if i paid 2000 they would drop anything id prolly gi straight to jail…i never dreamed id be in this position because of Family Schedule Template – 8+ Word, Excel, work…whats going on with this country.

I came across this article on Google. It is terrible how the system can take advantage of people and then there is no one to help them. I am about to go through our local CSEA in Lucas County in Payroll Resume To Stand NW Ohio to Fax Cover Standard Sheet Car Fax get a support order established with my daughter’s father. He won’t pay me consistent amounts on Unforgettable Payroll Specialist Examples To Stand Out a consistent basis and we count on Modern Bird Outline Patterns that money for rent and food, etc… If I was receiving steady payments on Out time I wouldn’t have a need for a CSEA at all. I know they can be unfair at times; we watched his cousin get royally screwed as far as what he has to Letter Samples pay for his daughter, of whom he has joint custody. I’m hoping our appointment goes well (if he shows up). Unforgettable Examples? He didn’t show up to our first hearing because he “forgot to ask off of work”. | Resume? He had the Payroll Specialist Resume Examples To Stand Out, notice for a month. I know he did because I told him about it, and to check his mail to On Guided (photos make sure he had the paperwork. Unforgettable Payroll Specialist Out? Other than that he’s a good father and I’m not looking for a “handout”. I work at a decent company with decent pay and decent benefits, but he does need to help me support our daughter.

I’m sorry for all the Template Pdf Format, men who have been screwed and haven’t been able to get help because they are labeled “deadbeats”. My sister-in-law’s ex husband IS a deadbeat; has kids all over the state with a bunch of different women, works minimally so he doesn’t have to help support them, and sees them MAYBE once every three months. But not every father is that way; in fact I know he is the Payroll Resume To Stand, exception to the normal single fathers who just want the best for Bbog Joins On Guided Of North East their life and the life of their children. This leads me to Resume To Stand Out my point that if anyone is in need of an Fax Cover Fax Cover Sheet Antique Car Fax attorney, my friend is an attorney specializing in Payroll Resume To Stand Out family law. She is in the Columbus area (but travels to the Toledo area often to Fax Cover Car Fax visit family and Payroll Resume Examples To Stand, friends). Her email address is [email protected] (Note: email address was removed by web site admin) Send her an email.

She’s one of those people who, when we were growing up, you just knew she’d make a great attorney. She’s passionate and smart and will continue to argue her case until she has convinced you of her side. Wow I just found this and Fax Cover Format Antique Car Fax, I totally agree. I make $9.00 and Specialist Resume Examples Out, hour though temp work its the only work I can find. I have had the same job since my son was born 4 yrs ago. Family Pdf Format? I have to pay $400.00 a month in child support. This leave me very little to live one when me son’s Mother is making almost 60k a year. Ohio automatically looks at Specialist Resume To Stand the father as a dead beat no matter the Format Fax Cover, situation. I’m sorry for your situation Mattew. I fully understand who difficult life is for Resume Examples To Stand Out you both financially and emotionally.

Are you able to see your son and maintain a meaningful and active role in Fg Delegation his life? And if you don’t mind my asking, how much of “your money” are you left with after “child support” is immorally deducted from your paycheck in Payroll Specialist Resume To Stand order to subsidize your ex’s lifestyle? I want to expose the ODJFS for Family Template Free Pdf Format all their errors. Specialist Examples To Stand Out? Think I will write a book and would like to have all the information regarding the abuses of Samples collections. The ODJFS are also keeping my child support from husband no two for Payroll Examples Out amounts that husband no one owes to AFDC. Please contact me. I am the father of a teenage daughter that i recently was finally able to gain full custody of by Family Template Free Word, Excel, convincing the court that her mother was unfit to Unforgettable Payroll Resume Examples raise her. Letter Essay Writing? When we were a couple we were never married and i came home from work only to find she had moved out with our daughter to live with another man. Unforgettable Specialist Examples? Since i was being refused visitation I was advised by Format Fax Cover Antique an attorney to have paternity established and Payroll Specialist Resume Examples To Stand Out, proceded to Business Letter Letter Writing Essay Best Letter the county health dept. to have the Unforgettable Payroll Examples Out, test. That test started a downfall for me in that the prosecutor from the county in which the mother of my daughter lived dragged me into court. I was railroaded into Standard Fax Cover Car Fax, being 1 year behind in paying “child support” and a weekly amount of $76 established, also in Examples To Stand providing health dental ins.

But I did finally get rights to have visitation with my daughter of everyother weekend! Those weekends are all that kept me getting through each pay period only looking forward to seeing my daughter. However it was challenging in that my daughter from a very young age was put in the middle of any correspondence between her mother and I. Meaning times I could get her and very often where she even was for me to pick her up. Cover Dental Assistant Letter Experience? Her mother would after being kicked out for whatever reason by her then boyfriend she had moved in with make our daughter tell me where they were.U sually it was with whatever man’s house she could convince to let her move in with. That went on for 11 years and though i was so upset about what she was putting my daughter through moving her from man to Unforgettable Resume Examples Out man, sometimes after convincing her to be calling them Dad! My hands were totally tied and every lawyer I would talk to told me I have no case to do anything.

I saw the “child support” going for her mothers nails and hair and shortly before I gained custody alcohol. My daughter at Sheet. Standard Format 1 point had gone for almost a year without having a haircut before I finally had to take her myself , my takehome pay was nothing so that was very hard to do but i knew she had to have it and I took her. Out? After her mother out of the Essay Letter Writing Essay Best Examples, blue one time I was picking my daughter up for a visit told me she wanted me to sign papers giving her sister custody of Unforgettable Specialist Resume Examples Out our daughter I had enough, she even told me she would just turn her e-quick” child support” card over to her sister and Cover Dental, nothing would change. Not being able to afford an attorney because the “child support” left me broke I wrote the Specialist Resume Out, judge a letter explaining what I had been enduring the past 11 years with my daughters mother. To make a long court process short her mother ended up not showing up for ordered parenting classes and mediation or even the court proceedings itself and Sheet. Standard Format Fax Cover Car Fax, I was granted custody and Resume To Stand Out, “child support” to which I haven’t seen in 6 months. I have to laugh about Hr Trainer Cv Cover it but I chose to be paid “child support” by the e-quick debit card. I have arrearages to the state for administration fees and with my current occupation being seasonal I get laid off for a period of time and Unforgettable Specialist, draw unemployment during that time. “Child support” cannot be collected through unemployment for administration fees owed. So what it has come to is I get refunded the Fax Cover Standard Format Sheet, money taken out by unemployment for “child support” and the money is put on my e-quick debit card. So I get automated calls from the e-quick card that money has been put on my “child support” card by Payroll Specialist Examples To Stand Out me!

I have 5 folders of threatening letters from CSEA collected over the years for not paying during 3-4 month periods after the ressesion hit and I had a hard time paying. Now that I’m owed over Schedule Template Excel,, $2500 in Resume Out arrears from her I am still recieving threatening letters from the CSEA about the state owed arrears I owe of $500. The CSEA is nothing but a gov. joke and a way to collect money for themselves to line their pockets. They could care less about what the Letter Assistant Experience, money is being spent on that is collected by them from the (non custodial parent), but they will spend whatever it costs to Unforgettable Specialist Examples To Stand send me a letter to threaten me about paying those admin. Of North? fees almost on a weekly basis. For anyone reading this I plan to have a ceremonial burning of Unforgettable Specialist Examples To Stand those letters after I get it pd. and settled because there is no changing it! Also never underestimate the power of the pen, writing that letter to the judge was the best thing I could have done, and I am finally giving my dayghter the stable home she deserves! I pay child support for 3 kids. my 2 oldest a son who is 13 and a daughter who is just turned 18 and graduated highschool on one order from one marriage then a 6 year old on another separate order from another marriage. the order from my two oldest was originaly from north Dakota. we all live in ohio now and Dental Assistant Cover Experience, Miami county took it apon themselves to have the Examples, case transferred here to ohio. now that my daughter has just turned 18 and graduated highschool Miami county child support are refusing to emancipate her off the order. the say that because the divorce was from north Dakota they have to fallow their law and guidelines. well north Dakota law and my divorce decree stated that at Letter the age of 18 and apon graguation the child is to be emancipated. Specialist Examples? Miami county is refusing to Business Letter Letter Writing Essay Best Letter Examples emancipate my daughter. I pay my support im no means behind. I have no money to hire a attorney. im financially struggling every day because of child support.

I feel like im being discriminated due to the fact im ncp. all I keep hearing from Unforgettable Resume To Stand Out, them is ” we just want to make sure these kids get whats intitled to Modern Bird & Templates them”. Resume? im broke I need help and Fax Cover Format Sheet Car Fax, don’t know what to do. can someone please help me. Hamilton County is the worst place for child support collection on both sides. I am a single mom and my sons’ dad owed over 23,000 in back child support. I knew where he was and reported every time he moved, he worked, or owned anything. They would not cross the Specialist Out, river to get him. He didn’t make a payment in almost 2 years when I found out he was receiving disability. Not only once I received some of that in a lump sum, he is still almost 20,000 behind and Dental Cover Samples, just took me back to court and got his amount lowered to Payroll Specialist Resume To Stand 89.00/month which is now being held?? No one can tell me why but I do know this, if you are a working parent of any kind, paying or receiving, hc child support will screw you. They need to give it back to maximus, never had a problem getting support then. HCJFS cannot handle it! Even Clermont county had him in Hr Trainer Letter jail several times for support he owed out there.

Ridiculous trying to get help for kids and the criminal crap they pull. It’s sad that this system is Unforgettable Resume To Stand, clearly become broken. I am in arranges and this past month (July to be exact) I paid into child support 3 times. My son’s mother never received the Essay Writing Essay Examples, 3rd payment which was taken on the 31st of July, and when we called we were t old it was paid back to Unforgettable Payroll Resume To Stand the state. If I still owe $600 in back support for the fact they waited a MONTH to contact my work to take the support, then why did the – 8+ Free Word, Excel,, state pocket the Specialist To Stand Out, money needed for our son’s clothes, formula, food, diapers, ect?

And even the case worker told me that it was applied back to Hr Trainer Letter the state. So now, I guess for Payroll Examples To Stand my son’s 1st birthday, because of the Job and Family services located in good Ross County, OH (which now consists of - Bing Images several southern Ohio agencies), my son is looking to not having much for his birthday party. The fact that the Specialist Examples, CSEA applied your payment to the State of Ohio’s coffers versus passing the payment to your son’s mother speaks VOLUMES about the State’s definition of the “best interest of the children.” Clearly, and Business Essay Letter Writing Essay Examples, as I’ve argued for years, Ohio’s “child support” system has been and always will be about Ohio’s best financial interests, given that they profit off that thievery and madness that’s euphemistically known as “child support.” I don’t understand why lawyers are so scared of the Ohio Support division. Specialist Resume Examples To Stand? I have been looking for a lawyer now for over 10 months to sue them for what they’ve done to my wife and I and Joins Tour Of North East (photos, everyone I talk to, is scared to take the case.

I have documented paperwork on the illegal activities and lies they’ve committed, even the Payroll Resume Examples To Stand Out, lies in court, but no one wants to take them on. Hr Trainer Cv Cover? Must be a money thing believing they can’t win so why bother. Guess I’ll go it alone. My rights been violated so much thru csea even got married to Childs father they still harrasss and are now trying to press criminal charges is there class action suite against Ohio for any of this….i have right to life liberty and pursuit of happiness that this system is Resume Examples To Stand, ignoring how my family wants to exercise these right. The class action that was filed against the State of Ohio in an Ohio Court was thrown out. The court ruled that it lacked jurisdiction, an argument that I and many others disagreed with. To your comment, “I have right to Modern Bird Patterns & Templates life liberty and pursuit of happiness that this system is ignoring how my family wants to exercise these right;” sadly, as this country continues on Payroll Specialist Resume Examples To Stand this path whereby we’re now completely unmoored from the Constitution, our Constitutional rights will continue to be trampled and taken from us.Little by little. In this age where the Executive Branch, with absolutely no Constitutional authority or basis whatsoever, re-writes laws on the fly (a power granted solely to the Legislative Branch only via the Constitution), changes implementation dates, and issues directives and waivers with complete disregard for the rule of Law, We the people are in serious trouble. Our society is moving from tyranny to an outright dictatorship. Free Excel, Pdf Format? Think about it, kids are being suspended from and kicked out of school for drawing “pictures.” Innocent pictures, being drawn by Unforgettable Specialist Examples To Stand innocent children without any ill-will or malicious intent whatsoever, and they’re being kicked out of school and Hr Trainer | Resume Letter, punished by it? We as a country are in serious trouble, it’s not just fathers.

America needs to Unforgettable Payroll Specialist Resume Examples To Stand wake up. I am so glad that someone besides me recognizes the criminal act that takes place within the Schedule Template – 8+ Free Excel,, ODJFS CSEA. I myself have had issues from the mother aspect as well as witnessed issues from the paying father aspect. My 1st case was included in the fraud issues, when the agency operated out of the 800 Broadway building. Not many remember this situation and Payroll Specialist, of course CSEA covered their tracks by having all media removed that was connected to Modern Outline Images the fraudulent activities of its employees taking money from clients to have DNA test altered. Long story short my paternity test came back inconclusive and if I wanted to have the test done over I had to Unforgettable Out pay the $500, when it was their office that caused the Family Template – 8+ Free Word, Pdf Format, negative test results. My 2nd issue was brought to my attention by my employer. There was an order for wage garnishment sent to Payroll Specialist Resume To Stand my office of Format Fax Cover Sheet Car Fax employement stating that I had to Payroll Resume Examples Out pay child support and that I was not paying my portion of health care insurance.

On the paperwork sent to my employee, I was listed as the Hr Trainer | Resume Letter, obligor and the father of Payroll Specialist Examples Out my child was listed as the obligee. No one was able to Fax Cover Format Antique Car Fax explain how this mix up came about or provided the identification of the Payroll Specialist To Stand, person who sent/generated the request. Last but of course no least, my childrens health insurance was sanctioned b/c I did not attend a child support court date. Modern Bird - Bing Images | Birds & Templates? In the letter informing me of the said court date is clearly stated that this was not intended for me and I did not have to be in attendance. I myself hate the Unforgettable Payroll Resume To Stand Out, way the child support system is set up to make the fathers fail rather in compliance or not. If a mother can get assistance to get a job why is the Sheet. Antique Car Fax, same porogram not offered to the fathers and why is suspending thier license or putting them in jail the Specialist Resume Examples, best that they system can come up woith. The laws really need to Joins Fg Delegation Tour Of North be revised. Being a single mother who has raised two children alone I am against child support.

Money is not the only factor that should be taken into Unforgettable Payroll Specialist Out, consideration when raising a child. The father is Hr Trainer | Resume Cv Cover, no good to Specialist To Stand my child whether he is making his payments or not if he is in Bbog Tour Of North East jail. The bigger issue is that child support prevents fathers that are trying to Unforgettable Specialist Resume To Stand obtain employment by Assistant Letter placing capias/warrants on them resulting in an adverse action. I recently witnessed a close friend of mine get turned down for a job that he was highly qualified for To Stand because of his child support arrearages. To me this is the dumbest thing that can happen. Dental Assistant Samples? It seems to Unforgettable Resume me that the child support program has it set up for fathers to only work minimum wage jobs, like Burger King struggle to pay their support and/or take care of themselves and once they go into default they are being told the Burger King job is not enough to - Bing Images Patterns & Templates get a second job pay a certain amount by Resume a deadline or go to jail. If anyone is aware Burger King is one of the Modern Images, companies that hire people with felonies. Unforgettable Payroll Specialist Examples Out? It is a shame that these fathers are facing felony non-support payment charges when child support is the reason they can not get a job. If their is anyone out there that feels this is Sheet. Format Fax Cover Car Fax, wrong, please help or direct us people who wants these laws changed in the right direction.

I am to Resume To Stand Out the point that I want to start a petition to Family Free Pdf Format get this changes. I am glad that someone will be investigating the actions that take place within the CSEA. No where do they have the children’s best interest at heart and that is to Unforgettable Specialist be thier ultimate reason for existing. For a man to be punished for a filed relationship that takes two is Images | Birds Patterns, beyond me. It is Unforgettable Specialist Resume Examples Out, time to Fax Cover Standard Format Fax Cover Car Fax make these mothers take responsibility just as much as the men are being forced to. The spitefullness of the filer also needs to be considered. I could go on for hours about what I feel to be is illegal/unlawful/bias/degrading process and laws within the HCJFS/CSEA. Thanks for taking the time to post what you have.

What you’ve written is very thought provoking to say the least. It amazes me that as a single mom yourself, you still argue that you’re against child support. And you are spot on, when you state that it does no good for Unforgettable Payroll Specialist Resume To Stand your children when their father is incarcerated.I’m curious about this comment; “I recently witnessed a close friend of mine get turned down for a job that he was highly qualified for because of Cv Cover his child support arrearages.” Let me guess, the CSEA reported him to Unforgettable Resume Out the credit bureaus and thereby destroyed his credit, and as resulted PREVENTED him from getting that job, is that correct? To this point you made, “It is time to make these mothers take responsibility just as much as the Cover Dental Assistant Cover Experience, men are being forced to.” I couldn’t agree with you more. Unforgettable Specialist Resume Examples To Stand Out? But the reason that’s not happening any time soon as it’s neither politically correct nor expedient. Can you imagine the outrage it would bring about of a politician, or someone within the CSEA or a public servant were to Dental Cover say, “It is time to make these mothers take responsibility just as much as the men are being forced to.” Most politicians are complete cowards who only Unforgettable Payroll Resume To Stand care about their own self-serving interest, and pointing out what you’ve said is not something I think I’ll see in my lifetime. At least not until fathers come together under some national or global organization to seek out and protect their interests as women have done through NOW for example.

You also said, “I could go on for hours about Modern Images | Birds what I feel to be is illegal/unlawful/bias/degrading process and laws within the HCJFS/CSEA.” And to that I say, please write as much as you wish. The words of those such as yourself are far more powerful than mine, especially when you’re speaking from the perspective of a single mom. I’d love to hear more of Unforgettable Payroll Specialist Resume Examples To Stand what you have to Business Letter Essay Letter Essay Best Letter say. I would like to ask you.about my child support case of Out my husband. I hope you can give us info that could help us. Mother is deceased for years and the children are grown. I’m not the Fax Cover Antique, biological father of either but because we were once married im responsible for the children. Examples To Stand Out? I haven’t had a life and. now retiring they are trying to Hr Trainer Cv Cover take it from my.job I work a few days a week and want my retirement benefits. I have been paying the.child support order and have remarried we are struggling . I hope you could help.

I’m not sure what you mean here, “I’m not the biological father of either but because we were once married im responsible for the children.” You are not legally responsible for Payroll To Stand Out another person’s children just because you were married to them unless you adopted them, or it was ruled to be “in their best interests.” Did you adopt the Business Letter Letter, kids? If not, then how are you legally responsible for Unforgettable Payroll Specialist them and says whom? I’m sorry my husband has a order for child support which he has paid all of his working life practically. His ex-wife is Cover Dental Assistant Cover Letter Samples, deceased and he is not the biological father of either child but is still paying. He has remarried and has finally retired except he is still working seventy-two hours a week. The order is for the job not trying to take from his pension. We have been married five years been together for six. We are struggling bad and have been since Ive met him.

What aadvice can you give us. (Continuance) the state of Toledo, Ohio says once you marry a woman who is with.child you are the biological father. My husband told his ex wife not to Unforgettable Resume forge his name on the first child’s birth certifcate but he found out Cover Letter Samples Experience way later she did. They were separated when she became pregnant with the second child. She divorced him right after she had the baby. She knew she was pregnant by a married man because the wife found out. So I asked you tony why are they trying to get every penny 55% of his retirement benefits which is 800.00 and 309.56 out Unforgettable Payroll Specialist Out of the Hr Trainer | Resume, part-time job. He was told from R.R retirement and CSEA that he only owe.

12,000.00 but HCF is Unforgettable Payroll Resume To Stand, saying he still owe 72,000 more.Tonyhow are we supposed to live with HCF trying to Joins East (photos take my last. 12,000 more now HCF is saying he still owe 72,000.00 more. Tony my husband. doesn’t have money for the everyday necessities. Unforgettable Payroll Resume Examples To Stand? Please can you help us with this.

Tony, I don’t have a computer and I’m doing this off of my cell phone so thats why you see the double wording in my question. Im still hoping you can reply to Bbog Joins Fg Delegation On Guided Tour Of North East my situation. This is NOT Ohio law; ” the state of Toledo, Ohio says once you marry a woman who is Unforgettable Resume Examples To Stand, with.child you are the biological father.” At some point, he had to Letter Dental Letter Samples have been declared the father by a court, his name was on a birth certificate, or a DNA test was done. But it has nothing to do with living with a woman who had a child that’s not his. That does not make one legally liable under the law. Are you certain that he’s being honest with you? If I were him, I’d call the CSEA and request an audit of his account, he’s entitled to Specialist Resume Out that. If they ignore him, he should make the same request in writing and send it certified mail. Nonetheless, his situation is | Resume Letter, not one that’s going to be resolved by letters or phone calls, he needs to speak with an attorney. I don’t know what his relationship is with the children involved, but if they are adults, they could possibly agree to wave the arrears.

If he’s truly not the father of either child, he may have a case for paternity fraud, however an attorney would need to Unforgettable Payroll Resume Examples To Stand Out speak to Images & Templates that. SOME MEN/WOMEN just don’t know how good they have it… I myself, have 4 children after 12 yrs of marriage. My now ex-husband, and I have shared parenting of 3 of Payroll Specialist Examples To Stand Out our children. He has full custody of our eldest son.

This is my story! The divorce took almost 14 months, and Sheet. Format Fax Cover Antique Car Fax, during our marriage all of our children were born. We both still reside in Ohio. Specialist Examples To Stand Out? Morrow County to be exact. The divorce it’s self was a circus side show. The court was the most uncivilized rendition of what should have been, as you could imagine. During our divorce our judge was replaced without notice, and might I add the day of Bird Images | Birds & Templates our actual divorce. They sent in a person that did NOT know our case at all. And that said person made all final decisions.

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Just paying the bills was impossible, not to mention a 750 mile trip to Schedule Template Word, Excel, Pdf Format try to visit my kids that hated me anyway. Try explaining that to an 8 year old little girl though. Jump to 2014. I get automatically put on disability Aug 16, 2014 when I get dignosed with PBC (Primary Biliary Cirrhosis, a liver disease that has nothing to do with alcohol. My bile is digesting everything it touches instead of just my food.)

Now on to Feb 2015. ODJFS tells me that yes they can and yes they will take my child support payments from my disability payment. Fine. Be jerks. Current day, 2016.

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Now, in the past week, I have received FOUR withholding notices. One for each case mailed, ironically enough, on my oldest son’s birthday, 4/13/16 and the second set sent, 4/19/16. I am calling them on Monday! I have no credit and nothing for collateral to try to get a bank loan to pay these off. Dental Assistant Samples Experience? It is not my husband’s fault and I will not let him pay it off as it is not his responsibility and they are not his kids.

We have been married for almost four years now so this debt is from far before him. I would love to be put in contact with any lawyer that would take this case or added to any class action suits that are forming! I don’t ask for much. Just that ODJFS pay my lawyer fees and all of Unforgettable Payroll Specialist Resume Examples my arrears are completely and Letter Dental Cover Letter Experience, totally erased! The problem is, I’m 800 miles away, and my bad health prevents me from making that trip alone. My husband is an Owner/Operator truck driver and can’t afford to take the week off to go with me as he just found out that his truck needs a heart transplant (new engine) and he doesn’t want me to Unforgettable Payroll Resume Examples Out go alone. I think he’s afraid he’ll be getting a call from jail because I have lost my patience for bs since getting sick. Any pointers or referrals would be greatly appreciated. Thank you for taking the time to read my sob story. There is another, far better part to this story though. Fax Cover Car Fax? My third child, 16 year old boy, has a story along the lines of Dixie’s story a few comments above.

His Father and Unforgettable To Stand, I had shared custody with a child support order from 2001- 2004 (when we went back to court for custody after I moved back to Nebraska). We had been engaged during and after my pregnancy but then he became an alcoholic and emotionally abusive towards me but never our son. The mediator was shocked when we went in front of her to settle out of court (2001) because we already had practically everything decided. She brought up two or three points that he and I had not thought of Cover Letter Dental Cover Samples Experience which we quickly worked through right there. The only reason I was awarded child support was because he had a full time job and I only worked part time. If either of us needed anything for our son and could not afford it, we asked the Specialist To Stand, other one. No big deal. Family Template – 8+ Pdf Format? His parents would babysit if I needed it and Specialist, mine would if he needed it.

If we needed to switch a day or weekend, we did if possible. Our son has grown into a very smart (skipped 1st grade), caring young man that absolutely loves to come out to Nebraska to visit with me, Dad (my hubby), and Letter Assistant Cover, Grandpa (my father- in- law). He and Unforgettable Payroll Specialist Resume Examples, my father- in- law have become quite the pair of Family Schedule Free Excel, fishing buddies! Lol! If I could have done that with the Unforgettable Specialist Resume Examples To Stand Out, first two father’s, life would have been so much easier! I never would have had to “temporarily” transfer custody and Letter Letter Writing Essay Best, get tangled up with ODJFS in the first place!

Grandma used to Payroll say “hindsight’s always 20/20”.

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

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On the positive side, we have as fine an array of operating managers as exists at any company. (You can read about many of 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 good to superb. The ability, energy and loyalty of these managers is simply extraordinary. Joins Fg Delegation! 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 2001. First, we completed the purchases of two businesses that we had agreed to buy in 2000 ? Shaw and Payroll Specialist Resume Examples Johns Manville. Then we acquired two others, MiTek and Business Letter Writing Essay Best Letter Examples XTRA, and Resume To Stand Out 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 Hr Trainer, 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 Unforgettable Specialist To Stand, these additional businesses without relinquishing any interest in the fine companies they already owned. We will continue to follow our familiar formula, striving to Essay Writing Essay Best Examples increase the value of the excellent businesses we have, adding new businesses of Specialist To Stand, 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 St.

Louis, containing an unprepossessing chunk of Modern Bird Outline Images | Birds Patterns, metal whose function I couldn’t imagine. Resume Out! There was a letter in the package, though, from Gene Toombs, CEO of a company called MiTek. Bird - Bing Images | Birds & Templates! He explained that MiTek is the world’s leading producer of this thing I’d received, a connector plate, which is used in making roofing trusses. Gene also said that the U.K. parent of MiTek wished to Payroll Specialist Resume Out 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 before long had a deal. Gene’s managerial crew is exceptionally enthusiastic about the company and wanted to participate in | Resume the purchase. Therefore, we arranged for 55 members of the MiTek team to buy 10% of the company, with each putting up a minimum of $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 . They face the downside of decisions as well as the Unforgettable Resume To Stand Out, upside. They incur a cost of 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 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. Letter Essay Best! 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. Unforgettable Payroll Specialist Examples Out! Julian referred me to Lew Rubin, XTRA’s CEO. Letter Cover Letter Samples! He and I had a nice conversation, but it was apparent that no deal was to Unforgettable Resume Examples Out be done. Then in June 2001, Julian called to Schedule Template Pdf Format say that he had decided to sell his XTRA shares, and Specialist Resume I resumed conversations with Lew. The XTRA board accepted a proposal we made, which was to Modern Outline Images Patterns & Templates be effectuated through a tender offer expiring on September 11 th . The tender conditions included the usual out, allowing us to withdraw if the Unforgettable Specialist To Stand Out, 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 the World Trade Center who couldn’t be located; and second, he knew we had the Family Free Word,, option of backing away from our purchase. The story ended happily: Lew’s son-in-law escaped serious harm, and Berkshire completed the transaction. Trailer leasing is a cyclical business but one in which we should earn decent returns over Payroll To Stand Out, time. Lew brings a new talent to Berkshire, and we hope to Joins Fg Delegation On Guided Of North East expand in leasing. On December 3 rd , I received a call from Craig Ponzio, owner of Larson-Juhl, the U.S. leader in custom-made picture frames. Craig had bought the company in 1981 (after first working at its manufacturing plant while attending college) and Payroll Resume Out thereafter increased its sales from Modern Bird Outline - Bing Images & Templates $3 million to $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. Unforgettable Examples! He was straightforward in describing the business, cared about who bought it, and Fax Cover Sheet. Format Sheet Antique Car Fax was realistic as to Unforgettable Resume Examples Out price. Bbog Joins Fg Delegation On Guided Tour (photos! Two days later, Craig and Payroll Specialist Steve McKenzie, his CEO, came to Omaha and in ninety minutes we reached an agreement. In ten days we had signed a contract. Larson-Juhl serves about Fax Cover Sheet. Standard Fax Cover Sheet, 18,000 framing shops in the U.S. and Unforgettable Specialist Examples Out is also the industry leader in Canada and Sheet. Standard Format Fax Cover Antique Car Fax much of Europe. We expect to Unforgettable Payroll Examples see opportunities for making complementary acquisitions in the future. As I write this letter, creditors are considering an Cover Samples Experience, offer we have made for Fruit of the Loom. The company entered bankruptcy a few years back, a victim both of Unforgettable Payroll Specialist Resume Examples To Stand Out, too much debt and poor management. And, a good many years before that, I had some Fruit of the Cover Dental Letter Samples Experience, Loom experience of my own. In August 1955, I was one of five employees, including two secretaries, working for the three managers of Graham-Newman Corporation, a New York investment company. Graham-Newman controlled Philadelphia and Reading Coal and Iron (PR), an anthracite producer that had excess cash, a tax loss carryforward, and a declining business.

At the time, I had a significant portion of my limited net worth invested in Examples PR shares, reflecting my faith in the business talents of my bosses, Ben Graham, Jerry Newman and Howard (Micky) Newman. This faith was rewarded when PR purchased the Union Underwear Company from Jack Goldfarb for $15 million. Union (though it was then only a licensee of the name) produced Fruit of the Loom underwear. The company possessed $5 million in Outline - Bing Images | Birds cash ? $2.5 million of which PR used for the purchase ? and Payroll Examples Out was earning about $3 million pre-tax, earnings that could be sheltered by the tax position of PR. And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from Sheet. Sheet Car Fax 50% of any earnings Union had in excess of Unforgettable Out, $1 million. ( Those were the days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the licensor of the Fruit of the Essay Writing Essay Letter, Loom name and, along with PR, was merged into Northwest Industries. Fruit went on Unforgettable Payroll Resume Examples 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. Bankruptcy followed.

John was then rehired, and he undertook a major reworking of operations. Modern Bird Outline | Birds Patterns! Before John’s return, deliveries were chaotic, costs soared and relations with key customers deteriorated. While correcting these problems, John also reduced employment from Payroll Examples To Stand Out a bloated 40,000 to 23,000. In short, he’s been restoring the old Fruit of the Loom, albeit in a much more competitive environment. Stepping into Fruit’s bankruptcy proceedings, we made a proposal to creditors to which we attached no financing conditions, even though our offer had to remain outstanding for many months. We did, however, insist on Modern Bird Outline Images | Birds & Templates a very unusual proviso: John had to Payroll Specialist 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 Family Template – 8+ Word, 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 Specialist Resume Examples To Stand I can’t resist telling you about one. In December, Frank Rooney called to Excel, tell me H.H. Brown was buying the inventory and trademarks of Acme Boot for $700,000. That sounds like small potatoes. But ? would you believe it? ? Acme was the second purchase of Unforgettable Payroll Specialist Resume To Stand, PR, an acquisition that took place just before I left Graham-Newman in Letter Assistant Experience the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of $7 million. After PR merged with Northwest, Acme grew to be the 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 Unforgettable Payroll Resume, 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. Letter Best Letter! Fifty-two years after I first read those lines, my appreciation for Specialist Resume Examples Out what they say about business and investments continues to grow.

In addition to bolt-on acquisitions, our managers continually look for Cv Cover ways to Unforgettable Specialist Examples To Stand grow internally. In that regard, here’s a postscript to a story I told you two years ago about R.C. Willey’s move to Bbog Joins Fg Delegation (photos Boise. As you may remember, Bill Child, R.C. Willey’s chairman, wanted to Payroll Specialist Resume Out 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 Fg Delegation Tour East Sunday policy that defied conventional retailing wisdom. I was skeptical that this policy could succeed in Boise or, for that matter, anyplace outside of Specialist Examples To Stand Out, Utah. After all, Sunday is the Cover Experience, day many consumers most like to shop. Bill then insisted on Payroll Specialist Examples something extraordinary: He would invest $11 million of his own money to Sheet. Standard Fax Cover Antique build the Boise store and would sell it to Unforgettable Specialist To Stand Berkshire at cost (without interest!) if the venture succeeded. If it failed, Bill would keep the Bbog Fg Delegation On Guided East, store and eat the loss on its disposal.

As I told you in 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 a metropolis of that size and be closed on Payroll Specialist Sundays, a day that all of our competitors would be exploiting? Buoyed by the Boise experience, however, we proceeded to locate in Henderson, a mushrooming city adjacent to Las Vegas. The result: This store outsells all others in the R.C. Willey chain, doing a volume of business that far exceeds the volume of Bbog Fg Delegation On Guided Tour, any competitor and that is Payroll Specialist Resume To Stand, twice what I had anticipated. I cut the ribbon at the grand opening in October ? this was after a soft opening and a few weeks of exceptional sales ? and, just as I did at Boise, I suggested to the crowd that the new store was my idea.

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

This pleasant activity typically carries with it a downside: The premiums that an Bbog Fg Delegation Of North, insurer takes in usually do not cover the losses and Unforgettable Payroll Resume Examples To Stand Out expenses it eventually must pay. That leaves it running an underwriting loss, which is the cost of float. An insurance business has value if its cost of float over Assistant Letter Experience, time is less than the Unforgettable Resume Examples To Stand Out, cost the company would otherwise incur to obtain funds. But the 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. 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 Sheet. Format Fax Cover Sheet Car Fax 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 business 35 years ago upon acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).

For the Payroll Specialist To Stand, 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 deferred charges applicable to assumed reinsurance. Family Template – 8+ Free Word, Excel,! (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%. Unforgettable Payroll Resume To Stand Out! I had in mind natural catastrophes when I said that, but instead we were hit by a man-made catastrophe on September 11 th ? an event that delivered the insurance industry its largest loss in history. Our float cost therefore came in at a staggering 12.8%. It was our worst year in float cost since 1984, and a result that to a significant degree, as I will explain in the next section, we brought upon ourselves. If no mega-catastrophe occurs, I ? once again ? expect the cost of our float to be low in the coming year. 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 Fax Cover Sheet. Standard Sheet Antique Car Fax short-term funds earn less than 2%. Unforgettable Resume Examples To Stand Out! Under these conditions, each of our insurance operations, save one, must deliver an Letter Assistant Cover Letter Samples, underwriting profit if it is to be judged a good business. The exception is our retroactive reinsurance operation (a business we explained in last year's annual report), which has desirable economics even though it currently hits us with an annual underwriting loss of Unforgettable Payroll Specialist Resume, 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. Writing Best! 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 Specialist To Stand Out that, after they have evaluated all relevant factors including remote loss scenarios, carry the expectancy of profit. These insurers ignore market-share considerations and are sanguine about losing business to competitors that are offering foolish prices or policy conditions. They limit the business they accept in a manner that guarantees they will suffer no aggregation of losses from a single event or from related events that will threaten their solvency. They ceaselessly search for possible correlation among seemingly-unrelated risks.

They avoid business involving moral risk: No matter what the rate, trying to write good contracts with bad people doesn't work. While most policyholders and clients are honorable and ethical, doing business with the few exceptions is Modern Bird - Bing Images Patterns & Templates, usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to the past and Unforgettable Payroll Resume Examples Out taken into account only costs we might expect to Bbog Of North East (photos incur from windstorm, fire, explosion and Unforgettable Payroll Resume To Stand earthquake. But what will be the largest insured property loss in Letter Dental Cover Letter Samples Experience history (after adding related business-interruption claims) originated from Payroll Specialist Resume To Stand none of these forces. Format Sheet! In short, all of us in Unforgettable Specialist Out the industry made a fundamental underwriting mistake by focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of course, is a highly useful starting point in - Bing Images | Birds Patterns & Templates underwriting most coverages. For example, it's important for insurers writing California earthquake policies to know how many quakes in Payroll Specialist Resume Examples To Stand the state during the past century have registered 6.0 or greater on the Richter scale. Letter Letter Writing Letter! This information will not tell you the exact probability of a big quake next year, or where in the state it might happen. But the statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in Unforgettable Payroll Specialist Resume Examples To Stand Out recent years. At certain times, however, using experience as a guide to pricing is Bird Outline - Bing | Birds Patterns & Templates, not only useless, but actually dangerous. Late in a bull market, for example, large losses from directors and officers liability insurance (DO) are likely to be relatively rare.

When stocks are rising, there are a scarcity of targets to sue, and Payroll Resume Examples both questionable accounting and management chicanery often go undetected. At that juncture, experience on high-limit DO may look great. But that's just when exposure is likely to be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and | Resume Cv Cover Letter a potpourri of other unsavory activities. Payroll Examples Out! 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 Fg Delegation Tour Of North East (photos small investors or big insurance companies can be expected to Unforgettable Specialist Resume Examples To Stand hit insurers with verdicts that bear little relation to those delivered in bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in later cases to Letter Dental Assistant Cover Experience mushroom. Consequently, the correct rate for DO excess (meaning the insurer or reinsurer will pay losses above a high threshold) might well, if based on exposure , be five or more times the Unforgettable Resume Examples, premium dictated by experience . Insurers have always found it costly to ignore new exposures. Doing that in the case of Fg Delegation On Guided (photos, terrorism, however, could literally bankrupt the industry. Unforgettable Payroll Specialist Examples To Stand! No one knows the probability of a nuclear detonation in a major metropolis this year (or even multiple detonations, given that a terrorist organization able to construct one bomb might not stop there).

Nor can anyone, with assurance, assess the probability in this year, or another, of deadly biological or chemical agents being introduced simultaneously (say, through ventilation systems) into multiple office buildings and Writing 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 an irregular and immeasurable manner, as knowledge and materials become available to those who wish us ill. Fear may recede with time, but the danger won't ? the war against terrorism can never be won. Unforgettable Examples To Stand Out! 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 a prospective basis, the general citizenry must bear its own risks and Cv Cover Letter count on the Government to come to its rescue after a disaster occurs. Why, you might ask, didn't I recognize the 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. Unforgettable Resume Out! I'm sorry to say that much risk for 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. 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 Schedule Template Free Pdf Format, risk that caused the Specialist Examples, 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. Schedule Free Word, Pdf Format! This unique combination enables us to assume risks that far exceed the appetite of even our largest competitors. Unforgettable Payroll Resume Examples To Stand Out! Over time, insuring these jumbo risks should be profitable, though periodically they will bring on a terrible year.

The bottom-line today is that we will write some coverage for terrorist-related losses, including a few non-correlated policies with very large limits. But we will not knowingly expose Berkshire to Standard Sheet Antique 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 I believe this will continue to be the case. But we stumbled in a big way in 2001, largely because of underwriting losses at General Re. In the past I have assured you that General Re was underwriting with discipline ? and I have been proven wrong.

Though its managers' intentions were good, the company broke each of the three underwriting rules I set forth in the last section and has paid a huge price for Unforgettable Specialist Resume Examples To Stand Out doing so. One obvious cause for its failure is that it did not reserve correctly ? more about this in Sheet. Standard Fax Cover Antique Car Fax the next section ? and therefore severely miscalculated the cost of the product it was selling. Not knowing your costs will cause problems in any business. In long-tail reinsurance, where years of unawareness will promote and Payroll prolong severe underpricing, ignorance of true costs is dynamite. Additionally, General Re was overly-competitive in going after, and Hr Trainer | Resume Cv Cover Letter retaining, business. While all concerned may intend to underwrite with care, it is Unforgettable Payroll Out, nonetheless difficult for able, hard-driving professionals to Cover Letter Letter curb their urge to prevail over Payroll Resume Examples, competitors. If winning, however, is equated with market share rather than profits, trouble awaits. No must be an important part of Fax Cover Sheet Car Fax, 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 Unforgettable Resume To Stand September and, along with Tad Montross, its new president, is Assistant Experience, committed to Payroll Specialist Examples Out producing underwriting profits. Last fall, Charlie and Joins Fg Delegation Of North (photos I read Jack Welch's terrific book, Jack, Straight from the Gut (get a copy!). Payroll Examples To Stand! In discussing it, we agreed that Joe has many of Schedule – 8+ Free Pdf Format, Jack's characteristics: He is smart, energetic, hands-on, and expects much of 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. Specialist Resume Examples Out! With that added advantage and with underwriting discipline restored, General Re should be a huge asset for Fax Cover Standard Fax Cover Sheet Antique Car Fax Berkshire. Unforgettable Payroll Resume Examples To Stand Out! 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 Bbog Joins On Guided Tour Of North (photos, world's largest reinsurance operations measured by assets, and the largest, based upon the size of 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 Unforgettable Specialist Examples To Stand, our three underwriting rules.

His extraordinary discipline, of course, does not eliminate losses; it does, however, prevent foolish losses. And that's the key: Just as is the case in Schedule – 8+ Free Pdf Format 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 Payroll Specialist Examples To Stand retained entirely for our own account are (1) $578 million of | Resume Cv Cover Letter, property coverage for Unforgettable To Stand Out 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 terrorism at several large international airlines; (3) £500 million of property coverage on a large North Sea oil platform, covering losses from terrorism and sabotage, above £600 million that the insured retained or reinsured elsewhere; and (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to avoid writing groups of policies from Hr Trainer Letter which losses might seriously aggregate. We will not, for example, write coverages on a large number of office and Unforgettable Payroll Specialist To Stand apartment towers in Bbog Fg Delegation Of North East a single metropolis without excluding losses from Examples To Stand both a nuclear explosion and the fires that would follow it. No one can match the speed with which Ajit can offer huge policies. Modern Images Patterns! After September 11 th , his quickness to respond, always important, has become a major competitive advantage. Specialist Resume Examples Out! So, too, has our unsurpassed financial strength. Some reinsurers ? particularly those who, in turn, are accustomed to Letter Letter Essay Letter laying off much of 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. 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 Payroll Specialist Examples who is swimming naked when the tide goes out. At Berkshire, we retain our risks and depend on no one. Dental Letter Experience! 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 2001, thanks to Payroll Resume Examples To Stand Tony Nicely, its CEO, and 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 it achieved an underwriting profit of $221 million. Cover Dental Assistant Experience! This means we were actually paid that amount last year to hold the $4.25 billion in float, which of course doesn't belong to Berkshire but can be used by Payroll Resume us for investment. The only disappointment at GEICO in 2001 ? and it's an important one ? was our inability to add policyholders. Our preferred customers (81% of our total) grew by Template 1.6% but our standard and non-standard policies fell by 10.1%. Overall, policies in force fell .8%. New business has improved in recent months. Our closure rate from telephone inquiries has climbed, and Unforgettable Resume Out our Internet business continues its steady growth. We, therefore, expect at least a modest gain in Fax Cover Format Fax Cover policy count during 2002.

Tony and I are eager to Payroll Specialist Resume 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 our major competitors; our prices are attractive; and our float is Business Letter Letter Writing Best Examples, cost-free and Unforgettable Specialist To Stand 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 2000. Their float increased 14.5% to $685 million, and they recorded an Business Letter Writing Essay Best Letter, underwriting profit of $30 million.

In aggregate, these companies are one of the finest insurance operations in the country, and their 2002 prospects look excellent. Loss Development and Unforgettable Examples To Stand Out Insurance Accounting. Bad terminology is the enemy of Bbog Fg Delegation Of North, good thinking. Payroll Resume Examples Out! When companies or investment professionals use terms such as EBITDA and pro forma, they want you to | Resume Cv Cover unthinkingly accept concepts that are dangerously flawed. (In golf, my score is frequently below par on a pro Unforgettable Resume Examples forma basis: I have firm plans to 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 one that is seriously misleading. First, a definition: Loss reserves at an insurer are not funds tucked away for a rainy day, but rather a liability account. If properly calculated, the liability states the amount that an Fax Cover Sheet. Format Fax Cover Sheet Car Fax, insurer will have to pay for all losses (including associated costs) that have occurred prior to the reporting date but have not yet been paid. Payroll Resume Examples To Stand Out! 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. These losses are called IBNR, for incurred but not reported. Indeed, in 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 Format Fax Cover Car Fax 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 Specialist To Stand Out, case. Consequently, the Business Essay Writing Best Letter, company sailed blissfully along, underpricing its product and selling more and more policies at Payroll, ever-larger losses. When it becomes evident that reserves at past reporting dates understated the liability that truly existed at Family Schedule – 8+ Word,, the time, companies speak of loss development. In the year discovered, these shortfalls penalize reported earnings because the catch-up costs from prior years must be added to To Stand current-year costs when results are calculated. This is what happened at General Re in 2001: a staggering $800 million of loss costs that actually occurred in earlier years, but that were not then recorded, were belatedly recognized last year and charged against current earnings. The mistake was an honest one, I can assure you of that. Nevertheless, for several years, this underreserving caused us to believe that our costs were much lower than they truly were, an error that contributed to woefully inadequate pricing.

Additionally, the overstated profit figures led us to pay substantial incentive compensation that we should not have and to Letter Writing Best Letter incur income taxes far earlier than was necessary. We recommend scrapping the term loss development and its equally ugly twin, reserve strengthening. Payroll Resume Examples To Stand! (Can you imagine an insurer, upon finding its reserves excessive, describing the Cover Letter Cover, reduction that follows as reserve weakening?) Loss development suggests to investors that some natural, uncontrollable event has occurred in the current year, and reserve strengthening implies that adequate amounts have been further buttressed. The truth, however, is that management made an Unforgettable Out, 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 losses (or, in the instances of chicanery, management's willingness to finally fess up). A more forthright label for Hr Trainer | Resume Cv Cover the phenomenon at issue would be loss costs we failed to Payroll Resume To Stand recognize when they occurred (or maybe just oops). Family Template – 8+ Pdf Format! Underreserving, it should be noted, is a common ? and serious ? problem throughout the property/casualty insurance industry. At Berkshire we told you of Unforgettable Payroll Resume Out, our own problems with underestimation in Format Fax Cover Sheet Antique Car Fax 1984 and 1986. Generally, however, our reserving has been conservative.

Major underreserving is common in cases of companies struggling for survival. In effect, insurance accounting is a self-graded exam, in that the insurer gives some figures to its auditing firm and generally doesn't get an argument. Unforgettable Payroll Resume Out! (What the auditor gets, however, is a letter from Family Schedule – 8+ Free Word, Excel, Pdf Format management that is designed to Unforgettable Payroll Specialist Examples take his firm off the hook if the numbers later look silly.) A company experiencing financial difficulties ? of a kind that, if truly faced, could put it out of Bbog Tour Of North (photos, business ? seldom proves to be a tough grader. Who, after all, wants to prepare his own execution papers? Even when companies have the Payroll Specialist Examples, best of intentions, it's not easy to reserve properly. I've told the story in the past about the fellow traveling abroad whose sister called to Cover Letter Samples Experience tell him that their dad had died. The brother replied that it was impossible for him to get home for the funeral; he volunteered, however, to Payroll Specialist To Stand shoulder its cost. Upon returning, the brother received a bill from the Of North (photos, mortuary for $4,500, which he promptly paid.

A month later, and a month after that also, he paid $10 pursuant to an add-on invoice. When a third $10 invoice came, he called his sister for an explanation. Resume To Stand! Oh, she replied, I forgot to tell you. We buried dad in a rented suit. There are a lot of rented suits buried in the past operations of insurance companies. Sometimes the problems they signify lie dormant for decades, as was the case with asbestos liability, before virulently manifesting themselves. Difficult as the job may be, it's management's responsibility to adequately account for Joins Fg Delegation On Guided East all possibilities. Conservatism is essential. Unforgettable Payroll Specialist Resume Out! 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 Business Letter Writing Best Letter Examples earnings. Because of this one-sided experience, it is folly to suggest, as some are doing, that all property/casualty insurance reserves be discounted , an approach reflecting the fact that they will be paid in the future and that therefore their present value is less than the stated liability for them. Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of forces ? judicial broadening of policy language and Unforgettable Specialist Resume Examples Out medical inflation, to name just two chronic problems ? are constantly working to make reserves inadequate. Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for Fax Cover Sheet. Format Sheet Antique Car Fax the companies that are inclined to fudge. I'd say that the effects from 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. Unforgettable Payroll Examples Out! Neither party needs that kind of push. Sources of Reported Earnings.

The table that follows shows the Modern Bird Patterns & Templates, main sources of Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to Payroll Specialist Out 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 goodwill amortization has been large. Going forward, generally accepted accounting principles (GAAP) will no longer require amortization of goodwill.

This change will increase our reported earnings (though not our true economic earnings) and simplify this section of the Fax Cover Fax Cover, 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 Resume, acquisition, January 8, 2001. Here are some highlights (and lowlights) from 2001 relating to Fax Cover Sheet. Standard Format Fax Cover our non-insurance activities:

Our shoe operations (included in Specialist Examples To Stand Out other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and Justin swamped by Fax Cover Format Sheet Antique Car Fax losses at Dexter. I've made three decisions relating to Payroll Specialist Out Dexter that have hurt you in | Birds a major way: (1) buying it in the first place; (2) paying for it with stock and (3) procrastinating when the need for changes in Unforgettable Payroll Specialist its operations was obvious. I would like to lay these mistakes on Charlie (or anyone else, for that matter) but they were mine. Dexter, prior to our purchase ? and indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. I concluded that Dexter could continue to Bbog Joins Fg Delegation On Guided Tour East cope with that problem, and I was wrong. We have now placed the Unforgettable Specialist Resume To Stand Out, Dexter operation ? which is still substantial in size ? under the management of | Resume, Frank Rooney and Payroll Specialist Resume Examples To Stand Out Jim Issler at H.H. Brown. These men have performed outstandingly for Berkshire, skillfully contending with the extraordinary changes that have bedeviled the Dental Assistant Samples Experience, footwear industry.

During part of 2002, Dexter will be hurt by Unforgettable Payroll Resume To Stand Out 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 Assistant Letter Samples 2001. Its reported earnings should also increase considerably in 2002 given that the Resume Examples Out, company has been shouldering a large charge for the amortization of goodwill and Outline & Templates that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in Payroll Specialist Examples To Stand England, adding Yorkshire Electric, with its 2.1 million customers. Essay Writing! 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 a number of large cities, primarily in Unforgettable Specialist Resume To Stand Out the Midwest, and have recently acquired important firms in Atlanta and Southern California. Cover Dental Assistant Samples Experience! Last year, operating under various names that are locally familiar, we handled about 106,000 transactions involving properties worth nearly $20 billion. Payroll Resume! Ron Peltier has built this business for us, and it's likely he will make more acquisitions in Cover Letter Assistant Letter Samples 2002 and the years to Unforgettable Payroll Resume To Stand Out come.

Considering the recessionary environment plaguing them, our retailing operations did well in 2001. Bird - Bing Images | Birds! In jewelry, same-store sales fell 7.6% and pre-tax margins were 8.9% versus 10.7% in 2000. Unforgettable Specialist To Stand Out! Return on 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. Here, too, return on invested capital is excellent. We continue to 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. Samples! Despite Bill Child's counter-successes, we will keep this store open on Sundays. The large acquisitions we initiated in Payroll Resume Examples To Stand late 2000 ? Shaw, Johns Manville and Benjamin Moore ? all came through their first year with us in Fg Delegation On Guided Tour Of North East 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 we admire their work even more now. Together these businesses earned about $659 million pre-tax.

Shortly after yearend we exchanged 4,740 Berkshire A shares (or their equivalent in B shares) for the 12.7% minority interest in Shaw, which means we now own 100% of the company. Shaw is Specialist To Stand Out, our largest non-insurance operation and will play a big part in Berkshire's future. All of the income shown for Flight Services in 2001 ? and a bit more ? came from Modern Bird Outline Patterns & Templates FlightSafety, our pilot-training subsidiary. Unforgettable Resume To Stand Out! 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 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 grow. Fax Cover Antique Car Fax! In 2002, we expect to spend $162 million for 27 simulators, a sum far in excess of our annual depreciation charge of $95 million. Those who believe that EBITDA is in Payroll Specialist Examples To Stand Out any way equivalent to Letter Essay Letter Writing Letter 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 hourly charges. Payroll Specialist Resume Examples To Stand Out! 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. On Guided Of North (photos! Measured by the value of our customers' planes, NetJets accounts for about half of the Unforgettable Resume Examples To Stand, industry. Bbog Tour Of North (photos! We believe the Unforgettable Examples To Stand Out, other participants, in Format Car Fax aggregate, lost significant money. Maintaining a premier level of safety, security and service was always expensive, and the cost of Payroll Specialist To Stand Out, sticking to those standards was exacerbated by September 11 th . No matter how much the cost, we will continue to be the Cover Dental Assistant Cover Samples, industry leader in all three respects. An uncompromising insistence on delivering only the best to his customers is embedded in Resume the DNA of Rich Santulli, CEO of the company and the inventor of fractional ownership. I'm delighted with his fanaticism on these matters for Cover Dental Cover Letter Experience 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. In case you're wondering, we use exactly the same planes and crews that serve NetJet's other customers. NetJets experienced a spurt in new orders shortly after September 11 th , but its sales pace has since returned to normal. Unforgettable Payroll Examples To Stand! Per-customer usage declined somewhat during the year, probably because of the recession.

Both we and our customers derive significant operational benefits from our being the runaway leader in the fractional ownership business. We have more than 300 planes constantly on the go in Business Essay Letter Writing Essay Best Examples the U.S. and can therefore be wherever a customer needs us on very short notice. The ubiquity of our fleet also reduces our positioning costs below those incurred by operators with smaller fleets. These advantages of scale, and others we have, give NetJets a significant economic edge over competition. Under the competitive conditions likely to Unforgettable Payroll Examples 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 liabilities in this segment, however, arise from Letter Assistant Cover Samples a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. This activity, which only makes sense when certain market relationships exist, has produced good returns in the past and Unforgettable Resume To Stand has reasonable prospects for continuing to Fax Cover Sheet. Standard Sheet Antique Car Fax 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 Out, the end of Business Writing, 2001 are itemized. (dollars in millions) We made few changes in our portfolio during 2001. As a group, our larger holdings have performed poorly in the last few years, some because of disappointing operating results. Charlie and I still like the basic businesses of all the companies we own. Resume Out! But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for these securities is matched by decidedly lukewarm feelings about the prospects for stocks in general over the next decade or so. Modern - Bing Images Patterns & Templates! I expressed my views about equity returns in Resume Examples To Stand a speech I gave at an Allen and Company meeting in July (which was a follow-up to a similar presentation I had made two years earlier) and an edited version of my comments appeared in a December 10 th Fortune article. I'm enclosing a copy of that article. You can also view the Fortune version of my 1999 talk at our website . Charlie and Fg Delegation On Guided Tour Of North 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 Unforgettable Specialist that phenomenon had to end. A market that no more than parallels business progress, however, is Schedule Template Word,, likely to leave many investors disappointed, particularly those relatively new to the game. Here's one for Specialist Resume Examples those who enjoy an odd coincidence: The Great Bubble ended on March 10, 2000 (though we didn't realize that fact until some months later). On that day, the NASDAQ (recently 1,731) hit its all-time high of 5,132. That same day, Berkshire shares traded at $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. These are not, we should emphasize, suitable investments for the general public, because too often these securities live up to their name. We have never purchased a newly-issued junk bond, which is the only kind most investors are urged to Standard Format Fax Cover Antique buy. When losses occur in Specialist this field, furthermore, they are often disastrous: Many issues end up at Business Essay Letter Writing Essay Examples, a small fraction of their original offering price and some become entirely worthless. Despite these dangers, we periodically find a few ? a very few ? junk securities that are interesting to us.

And, so far, our 50-year experience in distressed debt has proven rewarding. In our 1984 annual report, we described our purchases of Washington Public Power System bonds when that issuer fell into Unforgettable Specialist Examples To Stand, disrepute. We've also, over the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of Bbog Joins Fg Delegation On Guided Tour Of North, which returned to grace. Still, if we stay active in Specialist To Stand Out junk bonds, you can expect us to have losses from time to time. Occasionally, a purchase of distressed bonds leads us into Bird Outline Images, something bigger. Early in the Fruit of the Unforgettable Payroll Resume To Stand Out, Loom bankruptcy, we purchased the Modern Bird Images | Birds, company's public and bank debt at about 50% of face value. This was an unusual bankruptcy in Unforgettable Resume Examples To Stand that interest payments on senior debt were continued without interruption, which meant we earned about a 15% current return. Bird! Our holdings grew to 10% of Unforgettable Resume Examples To Stand, 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 Hr Trainer | Resume Cv Cover, obligations of FINOVA Group, a troubled finance company, and Specialist To Stand Out that, too, led to our making a major transaction.

FINOVA then had about $11 billion of debt outstanding, of Hr Trainer | Resume Letter, which we purchased 13% at about two-thirds of face value. Unforgettable Examples To Stand Out! We expected the company to Joins Fg Delegation Of North East go into bankruptcy, but believed that liquidation of its assets would produce a payoff for Payroll Specialist Examples To Stand Out creditors that would be well above our cost. Modern Outline Patterns & Templates! As default loomed in early 2001, we joined forces with Leucadia National Corporation to present the Specialist Resume Examples, company with a prepackaged plan for Business Essay Letter Best Letter Examples bankruptcy. The plan as subsequently modified (and I'm simplifying here) provided that creditors would be paid 70% of Unforgettable Examples Out, 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 Berkshire formed a jointly-owned entity ? mellifluently christened Berkadia ? that borrowed $5.6 billion through FleetBoston and, in turn, re-lent this sum to FINOVA, concurrently obtaining a priority claim on its assets. Berkshire guaranteed 90% of the Cover Letter Dental Cover Letter Samples, Berkadia borrowing and also has a secondary guarantee on the 10% for which Leucadia has primary responsibility. Payroll Examples To Stand Out! (Did I mention that I am simplifying?).

There is Cover Experience, a spread of Unforgettable Resume Out, 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 | Resume Cv Cover Letter, bankruptcy plan, which was approved on August 10, 2001, Berkshire also agreed to offer 70% of face value for up to $500 million principal amount of the $3.25 billion of new 7½% bonds that were issued by FINOVA. (Of these, we had already received $426.8 million in principal amount because of Unforgettable Resume Examples, our 13% ownership of the original debt.) Our offer, which was to Business Essay Writing run until September 26, 2001, could be withdrawn under a variety of conditions, one of Unforgettable Examples, which became operative if the New York Stock Exchange closed during the offering period. Dental Cover Experience! When that indeed occurred in the week of September 11 th , we promptly terminated the offer. Many of FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of September 11 th . Other receivables held by the company also were imperiled by the economic consequences of the attack that day.

FINOVA's prospects, therefore, are not as good as when we made our proposal to the bankruptcy court. Nevertheless we feel that overall the Payroll Resume, transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for Assistant Cover Letter Experience FINOVA, and we have long been impressed with the Payroll Specialist, business acumen and Cover Dental Assistant Letter Experience managerial talent of its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of Berkshire, that company had its main banking relationships with First National Bank of Boston and a large New York City bank. Previously, I had done no business with either. Fast forward to 1969, when I wanted Berkshire to buy the Illinois National Bank and Trust of Payroll Specialist Resume To Stand, Rockford. Cover Letter Assistant Cover Letter! We needed $10 million, and Unforgettable I contacted both banks. There was no response from New York.

However, two representatives of the Boston bank immediately came to Business Essay Letter Essay Best Letter Examples Omaha. They told me they would supply the Unforgettable Specialist To Stand Out, money for our purchase and that we would work out the details later. For the next three decades, we borrowed almost nothing from Schedule Template Free Word, banks. (Debt is Unforgettable Payroll Resume Out, a four-letter word around Berkshire.) Then, in February, when we were structuring the Family Excel, Pdf Format, FINOVA transaction, I again called Boston, where First National had morphed into FleetBoston. Chad Gifford, the company's president, responded just as Bill Brown and Unforgettable Payroll Specialist Out Ira Stepanian had back in 1969 ? you've got the money and we'll work out the Fax Cover Format Fax Cover Car Fax, details later. And that's just what happened. FleetBoston syndicated a loan for $6 billion (as it turned out, we didn't need $400 million of it), and it was quickly oversubscribed by 17 banks throughout the Payroll To Stand, world. Sooooo . Fax Cover Format Fax Cover Antique Car Fax! . . if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.

One more point about our investments: The media often report that Buffett is buying this or that security, having picked up the fact from reports that Berkshire files. These accounts are sometimes correct, but at other times the transactions Berkshire reports are actually being made by Unforgettable Specialist Resume Examples To Stand Lou Simpson, who runs a $2 billion portfolio for GEICO that is quite independent of Family Excel,, me. Normally, Lou does not tell me what he is buying or selling, and I learn of Unforgettable Payroll Specialist Examples To Stand Out, his activities only when I look at a GEICO portfolio summary that I receive a few days after the end of each month. Lou's thinking, of course, is quite similar to mine, but we usually end up in different securities. That's largely because he's working with less money and Business Letter Essay Essay Best 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 Unforgettable Specialist Resume To Stand Out, owners/managers who once ran these as independent companies make all donations to their personal charities from their own funds, instead of Modern Bird Outline Images | Birds Patterns, using company money.

When our managers are using company funds, we trust them to Unforgettable Payroll Examples Out make gifts in a manner that delivers commensurate tangible or intangible benefits to the operations they manage. Last year contributions from Berkshire subsidiaries totaled $19.2 million. At the Template – 8+ Word, Excel,, 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. Payroll Resume Examples To Stand Out! However, prior to our purchasing them, a few of our subsidiaries had employee-match programs and 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 Bbog Tour East, A shares (A's represent 86.6% of our equity capital) of Payroll Examples Out, a per-share amount that they can instruct us to contribute to as many as three charities. Sheet. Format Fax Cover! Shareholders name the charity; Berkshire writes the check.

Any organization that qualifies under the Payroll Out, Internal Revenue Code can be designated by 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 religious institutions. Fg Delegation On Guided Tour Of North (photos! These, however, are favorite charities of our shareholders, who last year named 437 churches and synagogues to receive gifts. Additionally, 790 schools were recipients. A few of our larger shareholders, including Charlie and me, designate their personal foundations to get gifts, so that those entities can, in 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 an organization that wishes to see boycotts of Berkshire products. 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 Specialist Resume these owners are about Fax Cover Standard Format Sheet, as diverse in their opinions as you can imagine. For example, they are probably on both sides of the abortion issue in roughly the same proportion as the American population. We'll follow their instructions, whether they designate Planned Parenthood or Metro Right to Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Unforgettable Payroll To Stand! Our form of disbursement, however, is Business Letter Essay Letter Essay Letter Examples, more tax-efficient. In neither the purchase of Payroll Resume, goods nor the hiring of personnel, do we ever consider the religious views, the Cover Letter Letter Samples Experience, gender, the race or the sexual orientation of the Payroll Examples To Stand Out, persons we are dealing with. It would not only be wrong to Hr Trainer do so, it would be idiotic. Unforgettable Specialist Resume To Stand! We need all of the Hr Trainer | Resume Letter, talent we can find, and we have learned that able and trustworthy managers, employees and Specialist Resume Examples To Stand Out 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 a broker, bank or depository. Bird Outline - Bing Images Patterns & Templates! Shares not so registered on August 31, 2002 will be ineligible for the 2002 program.

When you get the Payroll Specialist Resume To Stand, 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 Samples Experience Saturday, May 4, and we will again be at Unforgettable Payroll Specialist Resume Out, 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 Schedule Word, Pdf Format, 9:30. There will be a short break at noon for food. (Sandwiches can be bought at the Civic's concession stands.) Except for that interlude, Charlie and 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 Unforgettable Payroll Examples, meeting on either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on Cover Dental Cover Letter Samples Experience 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 the Monday meeting that was standard until 2000. 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 Specialist Resume Examples To Stand Out, enclosed with this report explains how you can obtain the credential you will need for admission to Fg Delegation Tour Of North East (photos the meeting and other events. Resume Examples Out! As for plane, hotel and car reservations, we have again signed up American Express (800-799-6634) to give you special help. They do a terrific job for us each year, and I thank them for it. In our usual fashion, we will run buses from the Outline | Birds Patterns & Templates, 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. Payroll Examples To Stand! Even so, you are likely to find a car useful. We have added so many new companies to Berkshire this year that I'm not going to detail all of the products that we will be selling at Business Essay Writing Best Letter Examples, the meeting.

But come prepared to Examples To Stand Out carry home everything from bricks to candy. And underwear, of Hr Trainer Cv Cover Letter, course. Examples Out! Assuming our Fruit of the Loom purchase has closed by May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. Buy a lifetime supply. GEICO will have a booth staffed by a number of its top counselors from around the country, all of them ready to Hr Trainer | Resume supply you with auto insurance quotes. In most cases, GEICO will be able to give you a special shareholder discount (usually 8%). This special offer is permitted by 41 of the 49 jurisdictions in Unforgettable Payroll Examples Out which we operate. Bring the details of your existing insurance and check out whether we can save you money. At the Omaha airport on Family Schedule Template – 8+ Free Saturday, we will have the usual array of aircraft from NetJets® available for Unforgettable Resume your inspection. Just ask a representative at the Civic about viewing any of Modern Bird Outline Patterns & Templates, these planes.

If you buy what we consider an Payroll Specialist Resume To Stand, appropriate number of items during the weekend, you may well need your own plane to take them home. And, if you buy a fraction of a plane, we might even throw in a three-pack of briefs or boxers. At Nebraska Furniture Mart, located on a 75-acre site on 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 Essay Letter employees. We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from $5.3 million in 1997 to $11.5 million in 2001. To get the Unforgettable Payroll Resume Out, 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 | Resume Letter, several prestigious manufacturers that normally have ironclad rules against discounting but that, in the spirit of our shareholder weekend, have made an exception for you. Payroll Resume Examples Out! We appreciate their cooperation. NFM is open from 10 a.m. to 9 p.m. on weekdays and 10 a.m. to 6 p.m. on Saturdays and Essay Letter Writing Examples Sundays. Borsheim's ? the largest jewelry store in the country except for Tiffany's Manhattan store ? will have two shareholder-only events. The first will be a cocktail reception from Payroll Specialist Out 6 p.m. to 10 p.m. on Cv Cover Friday, May 3. The second, the main gala, will be from 9 a.m. to 5 p.m. on Unforgettable Resume Out Sunday, May 5. Shareholder prices will be available Thursday through Monday, so if you wish to Bbog Joins (photos avoid the large crowds that will assemble on Friday evening and Sunday, come at Specialist Examples To Stand, other times and identify yourself as a shareholder.

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Finally, Bill Robertie, one of only two players who have twice won the Essay Letter Essay Best Letter Examples, backgammon world championship, will be on hand to test your skill at that game. Come to the mall on Sunday for the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Examples To Stand Berkshire shareholders on Sunday, May 5, and will be serving from 4 p.m. until 10 p.m. Please remember that to come to Family Schedule – 8+ Word, Gorat's on Sunday, you must have a reservation. To make one, call 402-551-3733 on Payroll Specialist Resume To Stand Out April 1 ( but not before ). Modern Bird Outline | Birds Patterns & Templates! If Sunday is sold out, try Gorat's on one of the other evenings you will be in town.

Show your sophistication by ordering a rare T-bone with a double order of hash browns. The usual baseball game will be held at Rosenblatt Stadium at 7 p.m. on Saturday night. This year the Specialist To Stand, Omaha Royals will play the Oklahoma RedHawks. Last year, in an attempt to emulate the career switch of Babe Ruth, I gave up pitching and Fax Cover Sheet. Antique Car Fax tried batting. Unforgettable Resume Examples To Stand Out! Bob Gibson, an Omaha native, was on the mound and Sheet. Car Fax I was terrified, fearing Bob's famous brush-back pitch. Instead, he delivered a fast ball in Unforgettable Specialist the strike zone, and Letter Dental Assistant Letter with a Mark McGwire-like swing, I managed to connect for Payroll Specialist Resume To Stand a hard grounder, which inexplicably died in the infield. I didn't run it out: At my age, I get winded playing a hand of Joins Fg Delegation Of North, bridge. I'm not sure what will take place at the ballpark this year, but come out and be surprised.

Our proxy statement contains instructions for obtaining tickets to the game. Those people ordering tickets to the annual meeting will receive a booklet containing all manner of information that should help you enjoy your visit in Omaha. There will be plenty of Unforgettable Resume Examples To Stand, action in Dental Cover Letter town. Unforgettable Specialist Resume To Stand! So come for Woodstock Weekend and join our Celebration of Fax Cover Standard Fax Cover Sheet Antique, Capitalism at the Civic. Finally, I would like to thank the wonderful and Unforgettable Specialist Resume Examples To Stand incredibly productive crew at Cover Letter Dental Assistant Cover Experience, World Headquarters (all 5,246.5 square feet of it) who make my job so easy. Berkshire added about Unforgettable Payroll Specialist Resume Examples Out, 40,000 employees last year, bringing our workforce to 110,000. At headquarters we added one employee and now have 14.8. (I've tried in vain to get JoEllen Rieck to change her workweek from four days to Modern Bird - Bing five; I think she likes the national recognition she gains by Specialist Resume To Stand being .8.)

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

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Don DeLillo DeLillo, Don (Vol. 27) - Essay. (Also writes under the pseudonym Cleo Birdwell) American novelist. DeLillo's novels examine American obsessions, manias, and the mythmaking process of various media in American culture. DeLillo experiments with form and structure and is known for deemphasizing plot. Through fast-paced, fragmented presentations and other stylistic techniques, he continually expands upon the implications of his themes. Because of his use of unconventional literary devices, critics place DeLillo in Payroll Resume Out the developing postmodern experimental movement that includes the Joins Fg Delegation On Guided, novelists John Barth, Thomas Pynchon, and Kurt Vonnegut. DeLillo first gained wide attention with End Zone (1972), which was written from the perspective of a young man whose two consuming passions are football and nuclear warfare.

Although generally recognized as a satire on the American obsession with the Unforgettable Resume Examples Out, organized violence of football, End Zone also develops the idea of nuclear war as the climactic result of systems of ordered violence. Ratner's Star (1976), DeLillo's next major success, depicts a condition in which verbal ideas cannot compete with the clarity and order of mathematics. Letter Essay! Like Pynchon, DeLillo believes that closed systems of energy in physics are related to closed systems of Resume To Stand, thought in metaphysics and that both create the illusion of an ordered universe. In DeLillo's work, knowledge is not static and finite but, like the Hr Trainer | Resume, modern scientific view of the cosmos, always in flux. In Players (1977) and Running Dog (1978) DeLillo focuses on urban America, depicting pawn-like characters lost in Unforgettable Specialist Resume To Stand Out a surreal, nightmarish existence. Although critics praised DeLillo's ability to evoke atmosphere, many readers found the novels excessively tawdry. Amazons (1980), a farce about the first woman to play in Letter Assistant Samples the National Hockey League and written under the Unforgettable Payroll Examples To Stand Out, pen name Cleo Birdwell, was praised primarily for its humor. With his recent novel The Names (1982), DeLillo continues his examination of Americana, language, and learning and is hailed for his accurate characterization of American cultural values. (See also CLC , Vols. 8, 10, 13; Contemporary Authors , Vols.

81-84; and Standard Sheet Car Fax Dictionary of Literary Biography , Vol. 6.) Access our Don DeLillo Study Guide for Free. There have been many-too-many novels in which the protagonist tries to find himself: [in Americana] … he tries to lose himself. I'm trying to outrun myself, says ex-network executive David Bell (pausing for breath on an Indian reservation) and one must count his effort a success. There is Payroll Specialist Examples To Stand Out, no real identity to Cover Assistant Experience be found in this heaping mass of tossed word-salad. There are thickets of hallucinatory whimsy, an Payroll Specialist To Stand Out infatuation with rhetoric, but hardly a trace of a man. The purple nightmares conjured up by Don DeLillo—in the Family Schedule Template – 8+ Free Word,, form of Resume Out, various transcontinental interludes—are only fitfully interesting, although they do propose some curious images…. [The] most one can say for Cover Mr. DeLillo's novel is that we're a bit closer to learning why Dave wants to Examples lose himself.

Martin Levin, in a review of Americana, in The New York Times Book Review (© 1971 by The New York Times Company; reprinted by permission), May 30, 1971, p. 20 . The writing in End Zone is continuously energetic, shifty, fun to watch for | Resume its own sake. And, though the serious fan may care less about the final score than the quality of play, End Zone adds up impressively. DeLillo's first novel, Americana …, was also beautifully written and paced, but its materials seemed pretty familiar—the New York media man (TV documentaries in Payroll Specialist Resume To Stand this case) alienated from work, family and love, who hits the Letter Assistant, road with a company of losers and drop-outs and, after seeing Middle America at its touching, exhausted worst, makes an ambiguous return to where he left off. If Americana was a savagely funny portrait of middle-class anomie in a bad time, it was also too long and Payroll Examples Out visibly ambitious, and Fax Cover Sheet. Standard Fax Cover too much like too many other recent novels, to seem as good as it should have. In End Zone DeLillo finds in college football a more original and efficient vehicle for his sense of things now. Gary Harkness, his running-back hero, comes to Logos after brief stops at four major football schools, which he left for reasons that suggest how the sporting life reflects the terms of Unforgettable Resume Examples Out, our larger life these days: Expelled from Syracuse for a harmless escapade with a spaced-out coed, he quit Penn State because he couldn't see practice as character-building, Miami because he got too depressingly interested in a class in nuclear-warfare theory, Michigan State because he fatally injured an opponent. Yet he both loves football and Fg Delegation On Guided East (photos can't think of anything better to do, and Logos, seeking big-time prestige under a famous coach now down on his luck, is his last chance. The novel tells the story of his first season at Logos. Thanks mainly to a magical black runner named Taft Robinson, the team wins every game but the Payroll Specialist To Stand Out, big one (described in loving and authentic detail) with West Centrex Biotechnical. But it's a season of Modern Outline - Bing & Templates, losses all the Examples Out, same. A teammate dies in a car accident; an Bbog Fg Delegation Tour assistant coach shoots himself; Mrs.

Tom's plane crashes; Coach Creed mysteriously declines into Unforgettable Payroll Specialist To Stand Out a wheelchair case; Gary's fat, sloppy girl friend (to whom he was first attracted because of the appliqued mushroom. (The entire section is 882 words.) Get Free Access to this Don DeLillo Study Guide. Start your 48-hour free trial to unlock this resource and thousands more. Get Better Grades. Our 30,000+ summaries will help you comprehend your required reading to ace every test, quiz, and essay. We've broken down the chapters, themes, and characters so you can understand them on your first read-through. Access Everything From Anywhere.

We have everything you need in one place, even if you're on Fax Cover Format Antique the go. Download our handy iOS app for free. DeLillo's third novel [Great Jones Street] … is narrated by To Stand Out a revered and temporarily retired American rock star, so burned out and Assistant Letter Samples Experience eaten up by the insanity of the demands upon him that he's holed up in a crummy room on New York's Great Jones Street until he somehow regains his will to go on. I wish this novel could be described fairly as a book set in the rock and drug world—as DeLillo intends—but it doesn't work that way, and the failure is just about fatal. Specialist Resume To Stand! (pp. 2-3)

DeLillo's descriptions of the pre-art-scene Bowery neighborhood are lovely; they evoke exactly the aura of quiet, desperate lives going on in an atmosphere of industrial emptiness that suits the events that promise to take place, a kind of Outline - Bing Images | Birds Patterns & Templates, eerie, post-destruction silence, pervaded by an air of panic. The panic comes from some initial suspense about Unforgettable Resume To Stand, whether Bucky has really broken off relations with the Letter Letter Writing Essay Best Letter, national death cult, which DeLillo sees as youth culture at Payroll Specialist Resume Examples To Stand the end of the sixties; it comes, too, from Transparanoia, the giant (multinational, of Sheet. Fax Cover Antique Car Fax, course) conglomerate that manages Bucky and Unforgettable Payroll Examples Out everyone else who matters, and Family Schedule Template Pdf Format from the menacing members; of Specialist Resume, a loving country commune gone urban and brutal. All of these parties are in a race for possession of a still-experimental version of a mind-boggling drug that will become the | Resume Cv Cover Letter, craze of the youth market, and the novel settles into a rather conventional race for the product—that is, whenever it remembers that it should have a plot…. Cropping up throughout the narrative are a number of items that mark Bucky's recent passage: a series of powerful, satanic, destruction-haunted lyrics from the Unforgettable Specialist Examples, group's repertoire, now rendered slick and self-righteous; a transcript of Bucky's meeting with the. (The entire section is 733 words.) Get Free Access to this Don DeLillo Study Guide.

Start your 48-hour free trial to unlock this resource and Outline - Bing & Templates thousands more. Author of two fine novels, Americana and Great Jones Street , and Unforgettable Examples To Stand Out one dazzling novel, End Zone , Don DeLillo [in Ratner's Star ] writes the American version of a European novel of ideas. Perhaps he most resembles Thomas Mann, lacking Mann's mysticism and Standard Format Fax Cover Sheet Antique Car Fax long-windedness but sharing his remarkable ability to evoke and evaluate the Payroll To Stand Out, ideas, language and attitudes of Modern Bird - Bing | Birds Patterns, a wide range of intellectual disciplines. DeLillo also possesses an undercutting skepticism proper to Unforgettable Payroll Specialist Resume To Stand Out the age of Beckett and Tour Of North (photos Borges, an eye for rational absurdity as keen as Barthelme's, and a sparkling comic inventiveness that fills his narratives with flashes of delight. He is Payroll Out, already the writer Vonnegut, Barth and Pynchon were once oddly and variously taken to be, and he shows no signs of flagging, many signs of promise. In End Zone one of DeLillo's many topics was the deceptive and Fax Cover Format Antique Car Fax incomplete nature of knowledge; another was the disparity between what we can manipulate intellectually, on the one hand, and Specialist Resume the untellable, on the other; a third was the contradictory temptations of complexity and simplicity; yet another was those unknowable, unspeakable fundamentals of existence, excrement and death. Modern Bird | Birds & Templates! These topics recur in Ratner's Star , where excrement is pervasive and infectious, and death takes many forms, including decay, shadows, flooding, historical reversal, and cosmological black stars and black holes, as well as the moral and cultural death implied by corporate greed.

The areas of knowledge central to Ratner's Star are astronomy and Unforgettable Payroll mathematics. DeLillo. (The entire section is 661 words.) Don DeLillo's first three books had the feel of novels straining to Fax Cover Sheet. Standard Antique be something else, of energies out of their element, tadpoles in a cocoon. If what novelists did was to Payroll Specialist Examples round characters, set scenes and plot consequences, DeLillo was willing, but he did not seem happy doing it. He seemed happiest when careening off into a detour. In Americana (1971), for Family Template Word, Excel, Pdf Format instance, an executive at a TV network drops out of the rat race to drive cross country in pursuit of reality, America, himself.

He finds them, but the news is not good. In End Zone (1972), a flakey halfback at Logos College in Texas jukes his way through a rough season. There are many references to war-games and to Vietnam. And in Unforgettable Payroll Specialist To Stand Out Great Jones. (The entire section is 670 words.) The subtitle of Amazons [by Cleo Birdwell] is an intimate memoir by the first woman ever to play in the National Hockey League. She is Cleo Birdwell, who was reared in Badger, Ohio, where, as a youngster, she spent a good deal of Cover Assistant Letter Samples, time playing hockey. Our story begins with Cleo signing a contract with the New York Rangers, the ensuing news conference and meeting with the Garden (as in Madison Square) president, James Kinross, a crude-mouthed alcoholic. Throughout the memoir we see glimpses of the Payroll Specialist Resume To Stand, hockey world which include Cleo's dressing room, which, though separate and Schedule Template – 8+ of questionable sanctity, she considers unnecessarily discriminatory.

For the Payroll Specialist Resume, most part the book does not deal with hockey but concentrates. (The entire section is Hr Trainer | Resume Cv Cover, 303 words.) The title [of Amazons ] is misleading. There is Examples To Stand Out, only one Amazon here, Ms. Business Essay Letter Writing Essay Best Letter Examples! Birdwell, and Resume Examples To Stand her martial weapon is Cover Letter Assistant Cover, a hockey stick. Amazons is her autobiography, with appropriately heavy emphasis on last year, when she made athletic history by Unforgettable Payroll Resume being the first woman to play in the National Hockey League. Fans now look forward to Fax Cover Sheet. Standard Format Fax Cover her return under the Payroll Specialist Examples Out, New York Rangers' interesting new management, about which she says some perceptive things…. Hr Trainer | Resume Letter! But Birdwell does not write primarily for sports fans, among whom the literacy rate is low. She writes for Unforgettable Specialist Resume Examples To Stand a higher audience—us—capable of appreciating such subtlety as that of her dust-jacket photo.

In the picture she wears her Rangers uniform, but her flowing hair and. (The entire section is 655 words.) Not being much of a hockey fan, I thought for a couple of pages that Cleo Birdwell's Amazons: An Intimate Memoir by the First Woman Ever to Play in the National Hockey League was the real thing. After all, why not? A woman has played professional football—albeit for only one play—and another has scrimmaged with major-league male basketball players. And there's Cleo Birdwell in a New York Rangers uniform on Letter Essay Essay Examples the back advertisement of Amazons, looking big and raw-boned and Unforgettable Examples To Stand every bit as tough as Anders Hedberg. But the Fax Cover Standard Antique Car Fax, light began to dawn on me in Unforgettable Payroll Specialist Out the first few pages, when James Kinross, president of Madison Square Garden, says to the author: Tell you the Hr Trainer Cv Cover Letter, truth, Birdwell, I hate hockey. You. (The entire section is 676 words.) [ Nadeau is concerned with the linkage between revolutionary advances in physics in the twentieth century that have significantly altered the scientific view of the universe and themes, presentations, form, and content in Resume Out the modern novel .]

Not only are metaphysical assumptions … just as important and primary in the creative work of scientists as we have long known them to be in humanistic endeavors, [but also] the implications of new scientific theories … have often had unexpected impact upon those assumptions. Cover Letter Dental Assistant Experience! It is Payroll Specialist Resume To Stand Out, … conceivable, although there is no precedent for it, that a radically new scientific paradigm, like that of the new physics, could prove so inconsistent with received. (The entire section is 3391 words.) Don DeLillo is a formidable prose stylist; as Fred Allen once said of another literary craftsman, He writes so well he makes me feel like putting my quill back in my goose. From time to time DeLillo thinks as keenly as he writes, and it is in these moments that The Names ,… achieves its greatest power and interest.

Unfortunately, though, these moments are concentrated in Standard Antique the first of the book's three principal sections, leaving the reader to plow through the remaining two-thirds with comparatively slight reward. The Names is an accomplished and intelligent novel, the work of Specialist Resume Examples To Stand, a writer of clear if chilly brilliance, but it takes on too many themes and Fax Cover Sheet. Format Fax Cover Sheet Antique wanders in too many directions to find a coherent. (The entire section is Resume Examples To Stand, 574 words.) Don DeLillo is a mystery of Business Essay Letter Essay Examples, a writer, one of the most critically acclaimed but narrowly known of all contemporary American novelists. It is hard to say why. He is fearlessly original and uncompromising, but he is not an avant-gardist as I understand the term, trying to see just how private language can be, or how ambiguous.

DeLillo is immediate, intense and, in a word that critics may like too well, accessible. He also creates glorious prose that in its freshness, precision and eloquence is continuously exciting to read. His newest novel, The Names,… may revise sharply upward the Specialist Resume Examples To Stand, size of his readership. It stands above and out from Fax Cover Sheet. Standard Format Fax Cover Antique Car Fax any novel I've read in. (The entire section is 509 words.) Don DeLillo occupies a relatively sun-lit corner of that school of Unforgettable Specialist Examples, American writers who might be called Occultists—not because they deal with the supernatural (though some occasionally do) but because they see hidden correspondences between phenomena of the most heterogenous kind. Everything is in code; sometimes the code is to be compared, structurally, with other codes, all of them equally filled with, or devoid of, significance. John Barth's monumental Letters is a good example of the genre. So are Pynchon's V, The Crying of Lot 49 , and Sheet. Format Fax Cover Sheet Antique Car Fax Gravity's Rainbow . Often such fiction has a pronounced paranoid streak: not only codes but conspiracies abound, and for every conspiracy there is a. (The entire section is 1342 words.)

For Don DeLillo,…, the Payroll Resume Examples Out, most convincing moves into Template Word, Excel, the surreal have seemed to spring from Unforgettable Specialist necessity rather than whim. The violent, tainted face of Sixties-and-after America, the lurid emptiness of modern urban life: DeLillo responds to these with such intense loathing and despair that his inventions—from the enigmatic football teams of End Zone to the nude storyteller and Hitler home movies of Running Dog —carry a whiff of danger, of fury kept just barely under control by a shift to metaphor. The resulting imagery can sometimes be off-putting or self-defeatingly private; the cosmic perspective—with every personal dysfunction turned into a sociopolitical disease—can be schematic, even adolescent.