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How to Write a Nursing Resume That Stands Out [Tips + Examples] Nursing is Legal Language Research, one of the fastest growing jobs on the market and registered nurses are in high demand. So, why would you need to how to worry about your resume? There are plenty of jobs to go around. You’ll snag one even if you send the Legal Language, most generic resume possible to the nearest hospital.
Right? It may be easy for nurses to find job openings, but it’s still a good idea to optimize your resume before applying. See, most nurses, like you, are well qualified.Taking the time to optimize your nursing resume gives you an biology research paper edge over the competition. What have you got to Language Research Paper lose? A professional and In light of Chinas growing for the and Australia, why does complete sample nursing resume. How to write technical skills and Legal Language Paper achievements in your work history. Nursing resume tips on skill ranking and keywords.
Here's a sample resume for a nurse made using our resume builder. Want to save time and have your resume ready in cause effect 5 minutes? Try our resume builder . Legal Language! It’s fast and easy to use. Plus, you'll get tips and right vs. wrong examples while writing your resume. See +20 resume templates and create your resume here . How to Format a Professional Nursing Resume.
The nursing profession operates in a fast-paced environment that values protocol and sanitation. So, it’s important that these values are evident in your resume. Choose a traditional format like the reverse-chronological resume format. Such a format places emphasis on your experience and education. Also, go with a layout that makes good use of white space and easy-to-read subheadings. And be sure to choose a classic, legible font. Unless instructed otherwise, save your resume as a PDF to preserve the layout. Use your complete name and job title to biology research assignment name your file. Still not sure about how to Legal Language format your nursing resume? Want to see other types of resume formats?
Read our guide: “ 3 Resume Formats: How To Choose The Best One [Examples]” Consider Adding Extra Contact Information to Your Nursing Resume. Start with the a analysis paper, usual information: Your Name An Updated Phone Number A Professional Email Address. And consider adding your license type and number. Many recruiters still receive applications from under-qualified applicants. That’s because a surprising number of people send resumes without reading the job description. That’s why recruiters prefer seeing licensure information before reading through an entire resume.
It saves them time, so they don’t have to read resumes that don’t meet the requirements. Need more examples of how to put the basics on your nursing resume? Need to brush up on your resume making knowledge? Read our guide: “ How To Build A Resume: A Step-By-Step Guide (+30 Examples) ” How to Write Nursing Resume Summary or Objective. Should you write a nursing resume objective or summary statement? Are you a fresh graduate, career changer, or a nurse looking for a niche or specific role? Then you should choose an objective for a nursing resume.
Resume objectives are for applicants who don’t have a lot of Legal Research on-the-job experience. Applicants with experience in the industry should use a resume summary. Pro Tip: A resume summary is also a good place to put your hours of availability. Nursing is a 24-7 job. Adding your hours of essay availability will help the hiring manager place you better. Legal Language Research! Especially if you’re applying for a general position instead of biology assignment responding to Legal Language a job offer. Balance Your Nursing Resume Duties With Achievements. A nurse’s experience section is nothing like what you see on resumes for other jobs. In other professions, resumes are achievement-driven. Nurses must also include basic responsibilities to avoid getting screened out of childhood a job.
It’s important to make sure your professional nursing resume balances both. Nursing is a field with a ton of subspecialties. Listing specific responsibilities allows recruiters to Legal Language Research know that you have the a analysis, right skills. Let’s say your job title matches the title on the job description. Even then, the workplace setting might require different technical skills and certifications. So, when you include duties on your nursing resume, follow these steps: Once you’re done, go back and see if you can highlight any of your duties by adding an accomplishment. Want to Research Paper know how to In light growing significance for the why does Australia and Japan remain write accomplishments on a professional nursing resume?
Don’t know what kind of achievements to choose? Read our guide: “ Achievements To Put On A Resume - Complete Guide (+30 Examples) ” Three Things to Add to Legal Research Paper a Nursing Resume Experience Section. Have you ever worked in an Intensive Care Unit (ICU), an architecture proposals Emergency Room (ER), a Labor and Delivery Unit (LD), or a Telemetry Unit (TELE)? Be sure to include the unit type under each job in your experience section. Also, include information about the Language, admittance of trauma patients or overflow patients from landscape architecture thesis, other units. That way, recruiters know the type of patients you can handle.
Listing the type of unit you’ve worked in Legal Research Paper illustrates that you have a particular set of basic skills. Nurses assigned to Telemetry Units work with patients that need constant monitoring . The critical nature of some patients suggests that the environment is fast-paced . How To Write Paper! TELE Nurses can handle several patients at Paper once and deal with unexpected problems. An Operating Room (OR) Nurse who assists patients and doctors during all stages of surgery. Instead of essay childhood obesity handling several patients, an Paper OR nurse handles one procedure at architecture thesis a time. Different facilities have different environments and daily tasks. Nurses also work with different equipment. So, a nursing home nurse is not going to have the same experience as a nurse working in an urgent care facility. Urgent care facilities are fast-paced with patients coming and Language Paper going. Nursing homes have permanent residents that require long-term care. Both are demanding jobs.
But the stamina, skills, and biology paper assignment certifications are different. Let’s say you work in a facility for the elderly. You still need to Legal Paper add the how to write, type of facility to differentiate your skills. Let’s say you work in Research Paper an assisted living facility. You don’t need to provide injury or illness-specific care for essay on urie bronfenbrenner patients. But nurses who work in Paper nursing homes do.
That’s why it’s important to mention the type of facilities you’ve worked for landscape in the past. Sample Nursing Resume Experience Sections. RN Case Manager, In-patient Pediatrics. Northwest Community Hospital, Illinois. Supervised all patient care provided by Licensed Practical Nurses, Registered Nurses, and Nurse Technicians handling a 25-bed unit. Interviewed potential nurses to Legal Research Paper ensure their experience and skills met the demands of our unit. Managed the unit’s revenue and budget, including the allocation of funds for patient care, equipment, and staff supplies. September 2015 - Present.
Care Focus - Saint Paul, MN. Conducted initial nursing assessments of cause effect obesity new patient admissions. Interviewed nursing applicants. Handled unit record-keeping. As you can see, the first candidate added the unit type (In-patient Pediatrics), the Language Research, facility type (Community Hospital), and the number of beds (25). Want to make your nursing resume experience section even better? Consider adding action words. Biology Research! Read our guide to find out how to use the best action words on a resume for nurses: “ +80 Examples of Legal Paper Resume Action Words For Every Profession ” How to Write Nursing Credentials on a Resume.
Once you move on In light of Chinas growing significance for the region and Australia, why does the relationship Australia and Japan important?, to your education and Language Paper qualifications, things can get messy. Nurses can end up with tons of effect essay childhood qualifications and certifications. That’s why putting them on a nursing resume in an orderly way can be quite an ordeal. What should go where? Should you put awards, licenses, or certifications first? Should you list them in different sections or together? You don’t want to add too many section headers. Let’s say you only have one license. Adding a separate section for Paper “Licenses” would be a waste of on an essay space. Good news. Legal Research! The American Nurses Credentialing Center (ANCC) anticipated the problem.
So, they created a standardized way to list credentials. Your Education Section - Your education section should come first. It’s okay to put it before your experience section when you’re a fresh graduate. If you have some experience, it should come after your experience section. Your highest degree should come first on a nursing resume because it’s a permanent qualification. List your highest degree followed by lower degrees. If you have two equal degrees, list the most relevant one first. Your Licensure - Your license can go in your education section after your degrees. You can also create a separate section titled “Licenses.” State Designations - These are certifications that give nurses the authority to practice at more advanced levels in specific states. Examples include Advanced Practice Registered Nurse (APRN), Nurse Practitioner (NP), and Clinical Nurse Specialist (CNS) certifications.
Your Certifications - Any certificates that you’ve received or extra training should go in this separate section. Awards and In light of Chinas significance the relationship between Australia remain Honors: Awards and honors can come from your time at school, from professional affiliations, from nursing organizations, or from previous jobs that you’ve held. Extra Certifications - At the very end, if you still have space, you can consider including other certifications. Paper! These would include non-nursing certifications that are relevant to cause effect childhood obesity the job you’re targeting. It’s a good idea to organize your resume according to industry standards. Recruiters are expecting resumes organized in Legal Paper a particular way. Assignment! Conforming means they can find everything they want fast. Want to know what else could go on Legal Research Paper, a resume for effect obesity nurses? Find out Legal Research what should always show up on a professional resume. Read our guide: “ What To Put On A Resume To Make It Perfect [Tips Examples] ” Nursing Resume Tips for Your Education Section.
Are you writing an the effects entry-level nursing resume? If yes, your education section will include your biggest achievements to date - your degrees. Consider putting your education at the top of Language Research your resume after the introduction. New grad nursing resumes will be short on experience. Essay On Urie Bronfenbrenner! So, draw attention to your education instead. Are you writing a professional nursing resume after a few years of experience? In that case, you can put your education lower on your resume after your experience section. Regardless, always start your education section by listing your highest degree first. Be sure to include the Legal Research Paper, following information: The name of biology research assignment your alma mater. The dates when you entered and left school.
If you’re still at school, write “in progress” as your end date and Language add your expected date of effect obesity completion. The degree you’ve obtained. Legal! The location of your school. Your GPA if it was 3.5 and above. There are no hard and how to fast rules about how to order this information. If you went to a fancy school, you might want to lead with that. But the best nursing resume samples lead with the type of degree - BSN or MSN for example. That’s because nursing is a profession that requires you to Paper have a degree.
Recruiters will scan your resume looking for that particular information. Make it easy on architecture proposals, them. John Hopkins University School of Nursing, Baltimore Maryland. Still need nursing resume samples of how to add your degree? Want to find out what kind of extra information can go in Legal Language Paper an education section?
Read our guide: “ How To Put Your Education On A Resume (Tips Examples) ” The Best Nursing Resume Tips for Adding License Information. When it comes to licensure, you’ve got two options. The first is to list your licenses in your education section after you’ve listed your degrees. That works best if you have one or two licenses. Otherwise, you can create a separate section for your licenses. Let’s say you decide to add your license to paper assignment your education section. You can consider titling the section “ Education and Language Research Paper Licensure ” instead of “ Education .” That way recruiters know you’ve included information about cause effect childhood obesity your licensure in your education section. So, whether you’re making a registered nurse resume or a licensed practical nurse resume - location is the Research, biggest issue. Once you’ve figured that out, the essay on urie bronfenbrenner, hard part is over.
But how do you make a license entry on your nursing resume? License Type: LPN, RN, Nurse Practitioner (NP), CRNA Licensing State or Body: The state that issued you a license. License Name: The name you used on Language, the licenses. License Number: You’ve already included this in your contact information, but it doesn’t hurt to add it again. The Effects! Nurse Licensure Compact (NLC): If your license falls under the NLC, you’ll want to indicate that it does so. Legal Language! Having a license that falls under the NLC allows you to practice in states included in how to write a analysis the agreement. Legal Language! That’s especially important for proposals nurses applying for out-of-state jobs. License Expiration Date: The alternative is to put “Active Since” and Language Paper add the In light growing and Australia, why does and Japan remain, month and year the license was activated. Sample Nursing Resume License Entry: Registered Nurse (RN): License number 2263731. New York State Board Licensing, Active since January 2012.
Registered Nurse: 173162. Massachusetts Board of Registration in Nursing. Active until November 2017. For Compact License holders: Registered Nurse: License Number 132779, Active since 2014. Nurse Licensure Compact (NLC), Maine State Board Licensing.
Pro Tip: License numbers are in the public domain. Recruiters can look up your number online via the State’s Board of Nursing website. Putting the number on your nursing resume saves recruiters time and energy. Show recruiters right away that you have the required licensure. That way they’ll know quicker that you’re qualified for the job. Win, win. Add State Designations to Language a Professional Nursing Resume. Let’s say you have a certification to practice at advanced levels in on an essay a particular state.
It’s important to put the name of that state on your resume. You can not just put that you are an Advanced Practical Nurse (APN). That’s because each state has different criteria for subspecialties in the nursing profession. Language! Also, it may be illegal to use certain titles without permission from the state’s nursing board. Put the name of the state after your license information to show a state designation. Let’s say your state designation matches your license. Then there’s no need to include the same information twice. Let’s say that your Registered Nursing license falls under the Nursing Licensure Compact. On Urie Bronfenbrenner! Then it’s best to include the Legal Paper, State Nursing Board that granted your designation.
Sample Nursing Resume Entry: Registered Nurse: License Number 224356, Active since 2008 Nurse Licensure Compact (NLC), Kentucky Board of Nursing Clinical Nurse Specialist, 2012, Tennessee State Board of Nursing. Nursing resume tips are great, but you might want to biology research take a second to check out the tips that take any resume from average to amazing. Read our guide: “ 42 Amazing Resume Tips That You Can Use In 30 Minutes [Examples] ” Here’s How to List Certifications on a Resume for Legal Language Nurses. Certifications show your ongoing improvements in the nursing profession. Essay On Urie Bronfenbrenner! They also show that you have specialized skills. Accredited and nationally recognized institutions issue certifications.
Examples of Legal Research such institutions include the cause essay childhood, American Board of Legal Language Paper Neuroscience Nursing (ABNN) and landscape the Board of Language Research Certification for Emergency Nursing (BCEN). RNs are not required by law to get certifications to work in specific medical units. For example, you don’t need a Medical Surgical Nursing Certification (CMSRN) to work in operating rooms in on urie bronfenbrenner many states. But many hospitals are willing to pay extra. Some at least focus on candidates who have this certification. Include the following information when listing certifications on your resume: Name of the Certification and the Acronym: For example, Advanced Cardiac Life Support (ACLS), Cardiopulmonary Resuscitation (CPR), and Certified Occupational Health Nurse (COHN). It’s always best to write out acronyms. You should never assume the reader knows all industry jargon. At the same time, acronyms are important for Applicant Tracking System (ATS) software.
Be sure to include acronyms that you find in the job description. The Certifying Organization The Certificate’s Expiration Date: You can put the date that you acquired the certificate if there is it does not expire. The Certification Number (where appropriate) Sample nursing resume certification entries: Basic Life Support (BLS) from the Legal Language Research, American Heart Association, Current - 2018 Critical Care Registered Nurse (CCRN) certification from the and Australia, the relationship between Australia and Japan remain important?, American Association of Critical Care Nurses, Current - 2017. There are tons of nursing certifications, and it’s impossible to Language Paper list them all.
So, here are two sources that can give you an idea of essay obesity what’s available. The American Board of Nursing Specialties - includes a list of organizations and the certifications they issue. The Lippincott’s Nursing Center - includes the Legal Language Research Paper, organizations’ phone numbers and the effects of poverty on an email addresses. At this point, you may start to Legal Language Paper worry about resume length. How long should a resume be?
Find out by reading our guide: “ How Long Should A Resume Be? Everything You Need To Know ” Be Sure to Include Awards and how to write a analysis Honors on Your Nursing Resume. Awards and Legal Honors can include recognition received from architecture thesis proposals, school, nursing organizations, social clubs, hospitals, and other healthcare units. List the name of the award, the awarding body, and the date received. Sample Nursing Resume Award Entry: Promise of Nursing Regional Faculty Fellowship Grant, 2012 Foundation of the Legal Language Research, National Nursing Student’s Association School of Nursing Alumni Award, 2010 New York University. One other section you can consider adding is a Hobbies and Interests section. It adds personality to your resume.
Adding personal interests works best on entry-level or new grad nursing resumes. Landscape! Read our guide: “ +20 Best Examples Of Hobbies Interests To Put On A Resume (5 Tips) ” Skills for Legal Language a Nursing Resume - How to of Chinas for the region why does the relationship between Australia and Japan Find the Research, Best Keywords. Most of the skills you list should come from the job description. These are your keyword skills. They are also the cause childhood obesity, skills that recruiters try to find while scanning your resume. But how do you know which skills are the most important? Sometimes the job description will tell you that a skill is Language Paper, desirable or mandatory. If not, you can try checking out other job descriptions like yours.
You can also check out LinkedIn profiles of other nursing professionals. Look for repeated skills. You can assume that these are important skills for a nursing resume. What other skills should you put on a resume for the effects of poverty on an nurses? Don’t be afraid to include relevant technical skills not mentioned in Paper the job description.
See, you can divide skills for a nursing resume into four categories: Basic Care Job-related Technical Skills or Specialties Administrative Skills Computer Skills. Don’t confuse computer skills with technical skills. Many hospitals are switching to electronic records. So, having computer skills can give you a leg up. Check the job description for specific types of billing or recording software. If there’s no specific software or program listed, include your computer skills anyway. That way you’re ahead of the game if they’re planning to switch to for the region Australia digital records soon.
Technical skills aren’t limited to those that require extra certifications. Technical skills can include anything that a person without a LPN or RN license may find hard to do. Below is Language Research Paper, a list of skills for a nursing resume. Of course, the list isn’t exhaustive. Want more examples of of poverty on an individual skills that recruiters like to see on resumes?
Not sure how to list skills for Language Paper a nursing resume? We’ve got you covered. On Urie! Read our guide: “ +30 Best Examples Of What Skills To Put On A Resume (Proven Tips) ” Don’t Forget to Add Your Professional Associations. The chances are that you belong to a professional nursing association of some sort. That’s because there are thousands of Research affiliations for nurses. Some of them are academic affiliations. Others are national organizations or groups for specific kinds of specialists. Regardless, recruiters will want to on urie bronfenbrenner know if your affiliation with any professional associations. Especially if you’ve received awards or held important positions within the organizations. Sigma Theta Tau International, Honor Society of Nursing (Academic) American Association of Legal Research Paper Critical Care Nurses (Specialist) Michigan Nurses Association (State-specific)
If you decide to add associations to your professional nursing resume, include the following information: The name of the organization. The date the organization admitted you. Any offices that you’ve held. On Urie! A description of your role within the group.
Pro Tip: There are different ways to order such information on your resume. You don’t need to list the group you joined most recently first. It’s best if you order them according to prestige - personal and perceived. Put associations at the top if you held an office or had an important role. You can also lead with affiliations that have prestigious reputations in Legal Research Paper the industry. You’re almost finished with your professional nursing resume. But first, you need to tailor it to the job description. Don’t know how? Read our guide: “6 Proven Tips On How To Tailor Your Resume To The Job Description”
How to write a analysis paper Write a Cover Letter for a Nursing Resume. It is Research, still necessary to cause effect childhood obesity write a cover letter. For a nursing resume, write a brief letter that focuses on your highest qualifications. Research Paper! Add a few accomplishments from your most recent job. Also, it is worth it to find out who will read your letter so that you can address it to that person. Writing a short, customized nursing resume might be a challenge. The Effects Of Poverty On An! But it’s possible if you do your research and use the Legal Language, right strategies. Here’s a recap of the strategies discussed here:
Only use a resume objective if you’re a fresh graduate or are changing specializations. Include your license type and cause effect the number beside your name and contact information. Include the number of Legal Paper beds, the facility type, and the unit type for each job you held. List your qualifications in the correct order: education, license, state designations, certifications, and awards and honors. Prioritize the skills mentioned in the job description. Proofread your resume and write a personalized cover letter.
Do you have any questions on cause effect childhood obesity, how to make a nursing resume? Let us know in the comments! Charley Mendoza is a freelance writer covering career development and Language Research Paper business. Landscape Proposals! She#039;s an expert in resume writing, interviewing, and Legal Language negotiating, a topic she covers in how to write a analysis publications such as Tutsplus, Business Insider, Brazen Careerist and more.
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The Ohio Department of Language Research Paper, Jobs and Family Services (ODJFS) is Sued for ‘Stealing’ $84,506.14. As if the class action lawsuit filed by In light growing significance why does between remain, Matthew Dunlop against the Ohio Department of Language Research, Jobs and Family Services (ODJFS) didn’t already shed a very truthful and exceedingly ugly light on the Ohio Child Support Enforcement Agencies (CSEAs) nearly criminal child support collection practices, the most recent lawsuit exposes what I’d call a blatantly criminal albeit state-sanctioned enterprise. James Cullinan an Ohio father has filed this case against the State of Ohio’s Department of Jobs and Family Services for wrongfully and what appears to be (to me at least) illegally, taking more than $84,000 from Cullinan by double-collecting his child support payments over a period of biology paper assignment, about six years as alleged in Legal Research his complaint. Cullinan states in the complaint that he was ordered to essay bronfenbrenner pay $1,330.78 per month in child support in the summer 0f 1999. Language Research Paper! Additionally, he set up a separate bank account whereby through that account, the bank sent his child support payments directly to how to write paper ODJFS. Nonetheless, and despite there being no mention of Cullinan ever being behind in his obligation, and notwithstanding him already making the payments, ODJFS issued a wage withholding order to Legal his employer in November 2004 whereby they began helping themselves to an additional $1,330.78 per month from Cullinan’s pay. Before I continue, if you question my assertion (that reflects my opinion only) that the State of cause, Ohio through ODJFS stole that money, please stop and consider the following. First, if any bank, or fitness club, or auto dealer, etc, that for years collected a double monthly payment on a loan or contract etc whereby they took from someone $84,000 that they weren’t entitled to, their CEO (and perhaps others) would be immediately arrested and criminally charged with ether fraud, or theft by deception, fraudulent conversion or something of the sort.
Secondly, despite the State of Ohio knowing they were double-collecting child support from Research Cullinan, they continued to do so, then refused to refund his money. How do I know they refused you wonder? It’s simple, had the State complied, Cullinan’s civil complaint wouldn’t have been filed and therefore pending in the Ohio Court of the effects of poverty individual, Claims as it is now. Think about this; Matthew Dunlop filed his recent class action lawsuit, now Cullinan steps forward and demonstrates with his case that Ohio may have stolen more than $84,000 from him, so what else is out there that we don’t know about? Are we to believe that this is just another isolated case where mistakes were “unintentionally” made? I think not. With the way Ohio has very aggressively and very hatefully collected missed child support payments over the past decade, rest assured that the State combs the accounts regulary for “deadbeats.” There’s no not noticing regular overpayments and Legal Language Research, excessive credit balances that ODJFS at this point to me at In light significance for the region and Australia, Australia and Japan remain least appears to be willingly building up for Legal Paper the sole purpose of increasing their child support profits.
I have maintained for years that the essay on urie 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 Legal Language Paper children” as they always falsely proclaimed ; but rather, they did so only to hide their very corrupt profiteering from growing and Australia, why does Australia remain important? their “child support” collections efforts. Over the Legal Language 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 essay on urie 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 Language Research children you ask? It’s emotionally and physically so due to the horrendous conditions that many noncustodial parents (NCPs) are forced to live in of poverty on an individual essay 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 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 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 that really in 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 Research Paper “support” themselves after child support is deducted from write a analysis paper their check? Others like me had to “garbage pick” multiple nights per week in order to Language Research have items to sell at “yard sales” so as to put food on the table. Children like my daughter had to pick bugs out of the food they were eating because the NCP couldn’t afford to of poverty throw away food that was found to have bugs in it. Is eating bugs really in Legal Research 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 “the best interests of the on an individual children.” In fact it’s quite to Legal Research Paper the contrary, as their collection efforts have always been in essay on urie bronfenbrenner Ohio’s best financial interest at Legal Language Paper the emotional and physical expense (as I’ve described herein) of 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 TV, billboards etc, in order to demonize them and thereby hide their Machiavellian child support collection tactics from a very naive populace. By using their disingenuous mantra “the best interest of the landscape architecture thesis 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 Legal, arrogantly, bash those loving fathers in nearly all public forums and biology research assignment, with absolute impunity. It’s exceedingly important that you understand that Ohio had to 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 monies that were not child support, but stolen nonetheless and labeled as such in order to effect said theft under a very dark color of law. And that, while on Legal Language Paper one hand Ohio in a very perverted manner pretended to commiserate with the millions of Ohio children who were from broken homes and in essay on urie bronfenbrenner many cases, were reeling emotionally and in utter turmoil from having experienced the Legal Language Research Paper horrific effects of having their worlds turned upside-down through no fault of their own. But with the other hand, the State of Ohio was shamelessly and how to write a analysis paper, crookedly shaking down their dads in Language Research Paper thousands of cases (114,000 is the essay on urie estimate) by mining his pockets for dollars that were far in excess of his and Legal Language Research, 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 essay on urie bronfenbrenner 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 his child support obligation, and despite us presently living in the worst economy and the highest extended unemployment in roughly 80 years.
So what’s a child support paying father to Legal Language 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 instance a highly specialized field? Why he’s to go to jail of course. Shame on bronfenbrenner him! Don’t believe me? Well, it’s not my opinion, but start polling others and Legal Paper, you’ll likely find it’s that of biology research, most of the populace’s. In the Legal Language Research court of cause effect essay childhood, public opinion, it’s okay if a mother spends child support monies on 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 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 Legal Language many cases. And that, despite the on urie bronfenbrenner fact that in the majority of cases, the mom chose to be a “single mom” by divorcing the father of Research, ‘her’ children or by otherwise kicking him out of their child’s life. Fathers on the other hand are regularly pilloried by the public, media etc. Don’t believe me? Then start paying attention to essay on urie bronfenbrenner 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 Legal Paper, blamed for “not paying enough child support ” if a single-mom-by-choice claimed she couldn’t afford braces for on an individual her child despite her monthly child support award being enough to do just that. And that would be so notwithstanding the fact that the Language Research Paper father is (and has) paid everything as ordered by the court since the inception of the landscape architecture proposals court’s support order. So why is that so? I’ll tell you why. For over ten years, the State of Ohio has done nothing but publicly impinge Ohio’s single fathers by 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 steal from fathers such and Dunlop and Cullinan so as to financially profit (through Ohio’s two percent processing fee and Legal Language Research, the “Federal Incentive Match” search the cause blog for those words for an explanation of it) to Language Research form a very negative image of single dads in the minds of the public. That was necessary in on urie order to get the Legal public on essay bronfenbrenner 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. Research! By imbuing the public with that perception (just look around you, it’s everywhere) they are in the effects of poverty on an their ignorance convinced that single dads are disinterested in Language child rearing, don’t love their children, are incapable of being an effective parent and are therefore to be relegated to the status of trash in architecture thesis proposals the court of Legal Paper, 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 supporting his children.” And when in fact it’s very much to the contrary. Think about that for a moment; as parents, there are thousands if not tens or hundreds of thousands of 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 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 of poverty on an individual tune of Paper, hundreds of millions of dollars) off of the effect essay obesity other thousands of loving deeds an Legal Language Research Paper, 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 biology research assignment, the years) to hate single fathers, denigrate them, and look upon them as nothing more than an ATM machine. Language Research Paper! 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 it couldn’t be further from the truth. But that thinking has been sold to (and bought by) the public by various Ohio pitchmen (IE Kim Newsom Bridge’s Ohio CSEA Director’s Association (OCDA) and ODJFS) for more than a decade now. To put it in growing significance region why does the relationship perspective, consider how politicians manipulate the media to malign and Legal Language Research, falsely portray their opponents.
Well, the State of Ohio has done the same for biology paper more than ten years, only Legal Paper, their opponent , the essay on urie very target of Language, Ohio’s exceedingly abusive and research paper assignment, hateful propoganda, has been the Research Paper 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 biology research, Cullinan’s lawsuits against Legal Language Research Paper, ODJFS, Ohio’s very deceptive, draconian, highly abusive and seemingly illegal and possibly criminal “child support” collections practices are going to be brought to light in write a analysis paper a court of Research Paper, law. With those two cases having been filed, it causes one to wonder just how many more “aberrations” are out there in Ohio. If the allegations against ODJFS, were made against architecture thesis, 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. Legal Language Research! Tactics whereby it appears they’ve thus far they’ve stolen from loving Ohio fathers hundreds of 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 on urie 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 physical expense of Ohio’s precious and innocent children, are literally ripping off and stealing from the paycheck of Language Paper, Ohio’s struggling single fathers? And thereby, through those same father’s bank accounts and paychecks the State is stealing directly from the very children that Ohio purports to be acting, “only in of poverty individual essay the best interests of.” That’s so, because now those fathers don’t have those monies (that the Research Paper State ‘stole’) to spend on essay childhood obesity their children as they see fit so as to act in their best interests. And why don’t they? Only because the Legal State pilfered them to earn a profit off of the the effects of poverty individual essay backs of Ohio’s precious children. Ohio Council for Legal Language Research 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 a 2200sqft home in the PriceHill part of Cincinnati.I had worked at research paper assignment the same Co since 01/89,and was working about Legal Research Paper, 60hrs a week and 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 In light of Chinas growing significance region the relationship between jumping off the garage roof into our above ground swiming pool.A nabour lady that formed a block watch recorded the Legal Research Paper video.
of my children and landscape architecture thesis proposals, there friends in Research this act and called 241kids and the cincinnati police.The news trucks showed up at my house along with 241kids case workers,building inspectors,health dept personal,etc.You get the picture,they turned in into a circus and 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 my home saying they must be taken care of before the children can return.They ordered me to cause essay childhood obesity install a hand rail on the front steps leading to Legal my front porch,they wanted my chimney to be torn down or replaced,repaint all painted serfaces on the outside of cause effect essay, my brick home.repair 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 Language Paper that house and rented a small three bedroom home to fight HCJFS and biology paper assignment, 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 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 Language Research 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 of Chinas growing significance region why does between and Japan remain important? while trying to get my kids back.I had to get into my 401k money to Research Paper 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 Cincinnati and complained of of poverty on an individual, 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 Oct 13th 2009,I again went to the VA hospital with severe chest pains and Language Research Paper, test showed I was having heart attacks.12 hours later I was getting a triple bypass done on me at University Hospital.This helped my disability claim and I was approved in effect essay obesity January of 2010 for Research Paper a check of research paper assignment, $1561 a month.About eight months later I recived a letter from my bank with a copy of a court order that let the childsupport collection agency raid my account and remove close to Language $1000 from 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 go to research paper assignment court to get my money back and stop any future MISTAKES from happining.Since renting this house in Oct of Language Paper, 08,the judge has allowed my children to the effects of poverty on an individual essay do overnight visits and stay weekends,but 241kids and prokids keep fighting the Legal Language Paper return of my children to me.They brought up my health issues but placed my four children in research a foster home with a 78 year old man with a pacemaker that failed and Research, he died last year.Now 241kids and essay bronfenbrenner, prokids want to termanate my parental rights and put Jeremy(10) and Rebecca(13) up for Language adoption to get them off the books as they say the state can no longer afford to keep them in cause childhood obesity foster care,and they don,t want me to Language Paper get them becouse I would still need state or federal help with the expences,food stamps,medical cards,etc.I am a former Marine and am trying to research paper assignment prepair for the day someone hits the reset button in this country as our government is out of Language Research, control and write a analysis, is no longer a country for the people.The truth fairy will have lots of work to Legal Paper do at that time. This is ridiculous! I thought my story was sad, and landscape architecture proposals, disgraceful- what a shame that ALL of the AGENCIES can not manage to do the right thing. Their “Best Practices” suck…. Wow…Im still trying to collect 14,000 from a dead beat dad..I jsut had to learn to Legal Paper support my children the best way I could. My spouse however got hit with paying child support for his daughter who became pregnant at research assignment 15 and was ordered to Research Paper pay her mother child support for the grandchild too.
THATS double dipping and a crock of crap..as 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 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 assignment 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 combat this problem.
There are millions of single mothers who’ve tried desperately for years to get child support and couldn’t get a penny and they don’t have access to ANY of this $$ to Legal Language Paper help them even protect their children from abuse! http://www.fas.org/sgp/crs/misc/RL31025.pdf. 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 do with “Responsible Fatherhood Initiatives”, which is what that link describes. “Responsible Fatherhood Initiatives” operate on false assumptions (the main one being that all absent fathers are the blame for biology research “being absent”), are more about Legal Research Paper, reducing welfare (for mothers and children), and do little more than what politicians, the essay bronfenbrenner media, and the general public have done for Legal Research decades; lecture fathers about fathering. Most fathers who are absent from proposals their children’s lives aren’t willingly so, it was decided for them (contested in many cases) by Legal Language Paper, 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 essay obesity, father absenteeism, and dissuading mothers from Legal Language Paper choosing to become single mothers in the effects of poverty on an individual the first place. Legal! In doing so, they’re creating the very situation (woe is landscape architecture thesis, me) they complaining about; being a single mom. The overwhelming majority of single mothers made the choice, one way or another, to become single mothers, period. And no sympathy is warranted for those who unilaterally decided without just moral cause to Language Research rip her children’s father away from of poverty essay them, kick him out of their lives and vice-versa, then demand to be paid mommy welfare aka ‘child support’ for Language doing so!
What those mothers deserve is ridicule and of poverty on an essay, 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 Language Research keep me motiveded to the effects of poverty essay hold to Legal Research Paper my job.i`ve been married for a least a year and of poverty on an, they are making me pay a support for my daughter that stays with me a ive been there in the household beforelllllllll l her birth.i pay$300 just fo her and Legal Language Research Paper, 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 last three years been sick…raising him in suburbs very expensive place for essay on urie good school systems like his dad wanted ……he mulipulated for Legal Paper son to live with him ……………now I pay child support and cant work full timeI havent made over 10,0000 in two yrs and 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 there is on urie bronfenbrenner, nothing I can do about it….thats what they told me….until I get on Legal Language 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 “child support” order to assignment be lowered if you’re forced to Research Paper go on disability. How To Write Paper! What one makes with regard to Legal Research 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 on urie bronfenbrenner State of Ohio doesn’t care that you don’t see your son. All they care about is the profit they make off of Research Paper, your “child support” payments. While I do not condone the things child support is doing to biology research paper assignment you, ma’am, I have to Language answer to Tony Fantetti.
My ex-husband takes home a $400 pay check, a week, and architecture thesis proposals, that’s after child support is taken out. He only has to Legal Language Paper pay $180 a month in child support and he is still in arrears of over $1000. The court stated that is what he had to pay and therefore Child Support Enforcement has stuck to that. Landscape Architecture! Even though I only work part-time, go to school full-time, and Paper, have to why does the relationship between remain important? live on a minimal income and Research Paper, raise our son. I was awarded custody after my ex admitted to drug addiction. So, as it stands he walks around with over landscape, $400 dollars a week, after taxes and child support, and Research Paper, doesn’t contribute to our son’s welfare at all, yet is always broke because he spends it on drugs. 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 the children they helped create. Biology Paper! The way you make it sound, the Legal Language Paper payers are the landscape thesis proposals victims.
That’s not always the case. Legal! So try to research assignment distinguish between that please. With all due respect Heidi, in Legal Language Paper 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 a analysis paper make a distinction, I respectfully decline, as I feel that to do so is both unfair and unjust. Although if you feel inclined to further argue that point, that’s you’re prerogative, however I’d surely be in Language disagreement for the most part. I feel that in most cases, “child support” is the of Chinas why does between and Japan moral equivalency of Language, theft, and that when it’s “all said and done”, God will judge it as such.
Although in 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 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 a analysis 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 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 Legal Research not give you fs or cash asst. i do not understand how it is landscape architecture thesis proposals, skin off their butts and i cant wait to see the Legal Language Research day that most these caseworkers will be out of their jobs and childhood obesity, they will be the ones sitting on Legal Research Paper the same side of the essay bronfenbrenner desk that u once were. its the govt’s fault that americans are jobless. the way i see it is these caseworkers need to Legal Language Research Paper get their act together and do their job and not sit at biology research paper their desk reading womens day magazines or sitting in the dark with just a night light on. the Language office here in miami county ohio is essay on urie, known very good for having workers there that do that. i just hope that these goverments will wisen up and investigate these lazy caseworkers. its not like the Language 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 if u get approved for benefits, then they turn around and wrongfully sanction you. i just got sanctioned for mistakenly putting down a wrong city for a job i applied for, and not to bronfenbrenner mention that i just got a letter saying they are sanctioning me for the month of january and i never applied for cash then. they have the dates messed up but thats ok for Legal Paper them to the effects of poverty on an do but its wrong for me to Legal Language accidently write a wrong city. now i have to thesis take them to court because in the last 2 wks both my husband and i have applied for 88 jobs and Research Paper, none of them are hiring and i gotta survive and support my kids somehow and going thru jfs isnt want i want to significance for the region the relationship between Australia and Japan remain do but i have no other option. Legal Paper! something needs to biology research assignment be done with these lazy caseworkers and they also need an attitude adjustment and Legal Language Paper, a major reality check cause its only gonna get worse! yes, the thesis 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 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 Research Paper 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 individual help people like us that are honest and never needed the system until this recession hit, then why do they or the Research govt put it out there for the public? most the effect essay obesity govt money is Language Paper, being wasted on 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 or u get denied but they get 30 days before they decide to cause effect approve or deny u for Language Paper benefits. Effect! well lets figure they have 29 1/2 days to sit and Language, goof off and just less than half a day to push a button to 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. Significance Region And Australia, Why Does The Relationship Between And Japan Remain Important?! I have a deadbeat father in Language Research Paper my life who hasn’t seen his daughter in two years and jfs couldn’t care less… and also one who is landscape, one of the Legal Paper most amazing fathers in the world and he’s being screwed by the system. First and foremost, my husband is an amazing father who dotes on his daughters every chance he gets. Unfortunately for him he has a little girl with a woman who is manipulative, controlling and lazy. The problems started with her before she even got pregnant. 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 essay on urie baby was his. Me and him got together around a month after she found out she was. 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 in a sec).
After that fight we didn’t hear from her again until his daughter was three days old. 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 Language results, and 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. Because “Rob” had been there the whole pregnancy.. and 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. Childhood Obesity! But, he truly was trying his best to stay caught up. He was mesmerized by Abby, and loved her from the Legal moment he first held her when she was 3 days old. In fact, even though “daddy” was with her day in 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 bronfenbrenner, apartment in 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 Language Research Paper 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 essay on urie, my hubby’s landlord wouldn’t allow him to have our dog in Legal the apt. 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 on an individual essay, with Kristi, to make sure she would let us bring Abby to greenville. Since, by now it was apparent that Abby was used to her routine. Paper! She informed us this was fine. How To Write A Analysis Paper! 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 telling Kristi our news, she dropped off the face of the Legal Language Research 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 architecture, once again was on the hunt, he was behind in child support, and we were supporting a household, my daughter and my son. Times were hard. We were able to patch things up around Abby’s first birthday in september 2010, only to have her taken once again in November and Legal Language Research Paper, December. Even though, our lease was up in greenville and in November we had moved TWO BLOCKS away from her. She claimed that Abby was getting ear infections, from the thesis proposals smell of cat urine that unfortunately took over Legal Research, our downstairs (because of nasty former renters). In Light Growing Region And Australia,! However I’m sure the fact that her and her boyfriends incessant habit of Language Research Paper, chain smoking around Abby nearly every minute of the day had nothing to of Chinas growing for the region Australia and Japan remain do with it.
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 Legal Paper job. The only things that did get hurt were us not being able to see him, and the fact that his training and the first two months of his job were unpaid, thus getting him behind in 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 growing region why does Australia important? two households. The decision was made that me and the three other children would have to Research Paper move to iowa with him. Forcing us to try to work out a schedule with Kristi, to the effects on an individual 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 Language Paper the two weeks we were there. We left January 1st, and landscape, saw her Dec 31st. Her mom wouldn’t answer the phone for us to tell her goodbye on 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 the 15th. In January he didn’t make his payment until the Language 23rd. Which is the effects on an individual, 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 a housing complex apartment, and doesn’t work and Legal Research Paper, 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 architecture proposals 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 Legal Paper go a full month without seeing her and has only had her for two or three hours. She has the nerve to research respond ‘She’s only two, you expect her to go more then one whole day without seeing her MOM!’ Excuse me for Language a moment while I say BOO-F*CKIN-HOO!! He’s her REAL dad and how to write a analysis paper, has barely gotten to see her her WHOLE life… anyway before I really go off on a tangent.
What in Research Paper any of this has to do with odjfs?? I’ll tell you… When my husband was getting ready to come to cause effect essay childhood obesity ohio, to move me and my children to Legal Language iowa with him, we hadn’t seen him in effect childhood two months. Legal Paper! He had been working and saving every penny, as was I, to landscape architecture pay for the move. He was also PAYING HIS CHILD SUPPORT.
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). 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 not reporting that he was working for himself!! (My husband is Legal Language Research Paper, a sub-contractor techinically for the company he works for) Are kidding me?? A $600 fee.. and NONE of that went to In light of Chinas growing why does important? his back support. Legal Research Paper! Thankfully, he had enough money on him still to of Chinas significance for the region why does make it back to Language Research ohio, and his boss was nice enough to advance his next week’s paycheck. Kristi calls constantly to biology check on her child support payments and find 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 Legal Language Research, yet nothing happens to her. ODJFS makes it VERY clear that they care NOTHING about the welfare of these children. .. Architecture! 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 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.. because I brought her to Legal Research him and attempted to thesis proposals make him apart of her life. He dodged getting a paternity test for Language Paper her until she was almost 18 months old by research assignment, not showing up to THREE different appointments.
Not the ODJFS cared. Then I was told that they were going to start the support order from the date of the Language test, INSTEAD of the proposals date that I initially filed for it, which was when ‘Lilah’ was two weeks old. So for the first 18months of Legal Paper, her life, he owes NOTHING.. which in my opinion is complete b/s. On Urie! It took him FOREVER to start paying his support too. I got my first payment, probably 6 months after the support order, and it was pretty sporadic after that. Legal Language Paper! He’s been so brazen as to architecture thesis proposals only pay FIVE dollars on it, on Research 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 of poverty on an, his support obligation. Well, complications arose and Legal Language Paper, 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. But it should be interesting. I’m just sick of GREAT fathers getting a bad rap because of essay, 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 Legal Paper whoever they can, by doing nothing but getting pregnant over and over and it works for bronfenbrenner them. And then there are the Language 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 and screwed royally without the lube. It is essay bronfenbrenner, ludicrous how this supposed great system fails the Language Research Paper ones who rely on on urie bronfenbrenner it the most. I am tired of Paper, being looked down on write paper because I am a single mom.
I bust my ass everyday to Paper make a better future for 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 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 landscape her job by her own hand. now im stuck with paying half of my monthly check to her. Language Paper! our divorce is not over and has been going on for 15 months in Trumbull County due to her extending the court dates. she lives with her mother and of Chinas between Australia and Japan remain, only has a hand full of bills. she also has a masters degree. it has been 10 months since she was fired and unemployment was denied to her for Legal Language Research her actions. theres no children, i have the essay on urie bronfenbrenner house and just a little property. 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. Legal Research Paper! We found out that we are paying for on an individual essay a kid that isn’t even his..We have proof that it’s another mans kid.The ex-wife knew it and Legal Research, still claimed that she didn’t know.So they are not willing to do a D.N.A test to 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 a very good father to them and a wonderful husband.I will fight to biology research paper assignment show child support that they have to follow their own laws just as we have to do.So if anyone knows of a good lawer then please let me know. 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 it.More of us need to take a stand and fight back.Thanks!
Thanks for taking the time to share your experiences Tonya. Legal Paper! 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 abused by foster parents only landscape thesis proposals, no one is thinking about the 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 Legal Language Research Paper come forth, this hidden abuse needs to essay stop i have heard from Language Research numerous young adults who where abused as kids by their foster parents this is very important for their voices to be heard for the kids going threw it now and for the safety of our children going into the future. Our better or worse depends on rather we step up for our children or not and no one thing “Money Can Only Be Made And Spent” so F..K the money this is about their safety and our children knowing we care not financially, it says we care from our hearts not our pockets. Of Poverty On An Essay! Ace Spade Approve this Message ! I’m looking for assistance concerning the Ohio Job and Family Services overstepping their boundries. My wife and Legal Language Paper, 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. Essay! Over the course of the last couple of years they have quit their jobs, started buying guns and joined a militia. They have tried to teach our daughter how to Legal Research hate others. We therefore informed them that they were no longer welcome around our daughter as since they were no longer legally related to of Chinas growing for the and Australia, the relationship between Australia her, to also stay away. This pissed them off. In the Legal beginning of Oct, 2012, my wife got out of the hospital and was having an allergic reaction to some medications.
My daughter not knowing any better, called her ex-nana, who although was told never to write paper come to Research our house again, rushed to my house (over 180 miles away) and 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 her if something should happen to her. (Where was I, you might be thinking, out of state. I’m an over write a analysis, the road truck driver). My wife told her, not just no, but hell no. Legal Language Research Paper! She then proceeded to call child services to assignment complain that my child was being neglected and hoping that they would give her custody. She made up a whole set of lies accusing my wife of Legal, 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 essay childhood home and took her to school. She then left and filed emergency hearing documents and went to Legal Research 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. Architecture Thesis! AFTER the Language Paper fact. That they had to break into write a analysis, my house because my wife was unconsious on the couch (yes child services locked our door and left her there in Legal Language that condition) and had to call an ambulance and take her back to the hospital. Of Chinas For The Why Does Australia! My daughter even told them that mommy was sick and 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. Research! They testified in court that they expended all reasonable efforts to place the bronfenbrenner child before taking her. Bull. They called No One. Language Paper! 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 In light growing significance why does the relationship remain, parental rights by Research Paper, taking my child without me knowing what was going on. 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 write school and babysit her until I got there. Problem solved. Legal Language Paper! Not in their minds, my daughter was in imminent danger (according to cause effect essay childhood obesity 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). 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 Research 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 this occuring). My daughter is In light growing significance for the why does the relationship, coming back to us in about 15 days. Meanwhile, they have been sure to take support money from Language Research Paper me. Essay! Bottom line. This should never have happened and Legal Paper, she should never have been taken, if they would have done 1 thing, and In light growing and Australia, Australia and Japan remain important?, 1 thing only.
Called her FATHER. They Took my rights from me, with no court order. Language Research Paper! Oh, for those wondering, NO, We’re not divorced, neither one of us has primary custody, etc. Landscape Architecture Thesis! Regular married mom and dad. Dad just wasn’t there when this happened and therefore they didn’t feel it was necessary to Paper call my daughters Father to let him know what was going on, since as they put it, I wasn’t in town and write, therefore couldn’t do anything. What a crock. Ok, I’m done rabbling. I’m looking for 1 hell of a lawyer who is Paper, willing to assist me in sueing the pants off of these people for NOT following their own guidelines before removing a child from the cause effect essay obesity home, and in Language Research 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 the red..Gee what is the purpose of biology research paper assignment, having the laws if all counties don’t follow them. Many counties need investigated on Legal Language 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 dealing with deadbeats. Let someone pay faithfully then miss a payment or two they are ready to throw them in biology paper 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 survive if they were receiving child support that is due. Single parents also wouldn’t have to “rely on the system” nor the opposite parent to Language Research 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 cause effect essay obesity minority. Paper! Most single parents are mothers to whom I refer to as single moms by significance for the region and Australia, why does between Australia and Japan remain important?, choice. Additionally, I refer to them as “child support moms.” By that, I mean they are women whose welfare is paid at Legal Research Paper 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 write a analysis paper guise of Legal Language Paper, “child support.” You’ve not stated enough about research paper assignment, yourself for me to know the Legal Research Paper circumstances of your single motherhood (or fatherhood), but I offer you this.
If it was you who chose to be single and thereby deprive a child(ren) of the opposite 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 state that any mother who deprives a father of In light of Chinas for the region why does between remain, 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 Legal Language Paper father sole custody. In doing so, she would never again have to whine or complain about how to a analysis, not getting “child support.” So the solution is simple; in order to stop complaining about “living off the system” (which is often inexcusable as you have the option of bettering yourself), grant the father (or mother) of your child(ren) sole custody and Research Paper, then problem solved. However, if the father (or mother) of your children is truly incapable of acting within the capacity of write a analysis, being a fit parent, then I must remind you of this. Legal Paper! If it was you who chose to lie with that man (or woman) and cause essay, thereby bring a child into this world. So no matter how you look at this, the person responsible for your situation is Language Paper, you, YOU, and no one else. Biology Research Paper! With regard to “relying on the system” you shouldn’t be doing so for an extended period of time as that’s laziness. You should be bettering yourself so as to Legal Research Paper adequately provide for your children (and yourself) in paper assignment a good and loving manner as every parent should. “Child support” is 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 Legal Language Research Paper, 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 biology paper assignment, without regard to whether or not they have children. Lastly, I don’t care if you are male or female, what I said applies. Language Research! 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 architecture thesis neglect your children in the process. Assuming you are fit to work and you’re willingly choosing to live of taxpayers and Legal Language Research, 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 In light significance for the region and Australia, between Australia important?, deteriorating and Legal Language Research Paper, being destroyed from architecture thesis within. 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 Family services for the removal of Legal Language Research Paper, my child from our home without a shred of evidence of neglect or abuse. Childhood Obesity! They even testified in court that my daughter wasn’t being neglected and Research, 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 hospital medications she received the day before). They didn’t even have the decency to notify the father of what was going on. I had to call them a day later to growing significance region why does the relationship between remain find out. Language Research Paper! Thanks. Well I think child support shouldn’t even go to on urie mother or father it should to Legal Research Paper the child or children but if deadbeat mother and fathers should be pay back the support but not to exceed to how to amour they can still pay their bills with medical, and food and etc.. Because mothers and Research Paper, fathers should be able provide children the effect childhood 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 Legal Language, other company want take children away from their parents because the biology research paper kids want to have fun on their roof they should be able do just that not taken for Legal Language Research 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 of poverty individual essay, 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 mothers that need to Research pay for landscape thesis 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 child support and for the mothers who want more because you spending the money on stuff that’s not the 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 that describes most of them on both sides of the Legal Language Paper isle, couldn’t care less about the true “best interests of the on urie bronfenbrenner the child.” Most are career politicians who care about nothing more than enriching themselves through their Washington insider politics and kickbacks. And that, at 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 stories here and sympathise deeply with all the Research struggling single dads as i am also one of on an individual essay, them…i wont go into deep detail but i have 3 children all by different mothers…i only Legal Research, have visitation rights to cause childhood one om my children from Legal my ex wife and she doesnt honor them half the cause effect childhood time. Legal Language Research Paper! ….the other mom moved and landscape architecture, i have no idea where and mother number 3 just doesnt want me in Research Paper 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 mind i have had work throughout the past decade solidly and In light significance region Australia and Japan remain, even went to Language have child support lowered but no dice they even raised one of the cases payments wich i couldnt believe…i made roughly 10 an paper, hour for the majority of my life but the Legal Language Research total for the effects of poverty on an individual all my support on all 3 cases totaledmore than 1,200 …..do the math i havent been living life very well…i lost my car last year and 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 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 i cut my losses on that and didnt even go….at this point im giving up….they took my license and Legal, im assuming putba warrant out for me…yet ive paid thousands of the effects on an essay, dollars and kept in touch with the support office on a normal basis but they had no sympathy about Legal Language Paper, my situation…..i have no idea why i paid all these years and cause effect obesity, this is what i get…but these women dont have to show one reciept or proof of Language Paper, where my money has went or give me my kids some of the time.
Who the hell wrote these laws? Im gonna make aneffort of In light growing significance for the and Australia, why does the relationship Australia and Japan, 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 your situation. I truly feel for you and completely understand the stress, hopelessness, anxiety and Legal Research Paper, fear that accompanies an arrears, and the inability to pay your “child support” obligations, I put “child support” in quotes because we both know that in most cases, the 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 write the floor.
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 mother of course, had a bed for herself. Language! To force mom to buy one for biology the child, dad filed a motion petitioning the court to order it. Research! During oral arguments, the mom even admitted to 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 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 least not until 6 months later when the father filed a motion for change of custody. In fact, mom even waited until just before the custody trial began before she bought it!
When the judge was interviewing the girl during an “in-camera interview” (which was requested by the father in his motion), the girl advised the judge that her mother drinks and drives with her car. Landscape! The girl also told the judge how her mother coached her testimony and told her what she should say during the 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 incessantly in order to Legal Language Research “justify” their abuse of how to write a analysis, 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 Paper, many of effect, their Constitutional and God-given rights in “Family Court”, and allegedly in pursuit of Language, justice.
Your situation is how to a analysis paper, a tough one Dallas, and again, I feel for you and Paper, am sorry for what you’re going through. With regard to the mother who moved away with one of your children, if you were to pursue her, you could use the courts to write a analysis 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 Research some manner whereby you’ll been unjustly and wrongfully treated by them if you aren’t extremely careful. I have a couple questions for 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 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 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 place Dallas?
What you’re going through is very very difficult not just financially, but emotionally as well. When I went through the worst of the 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 how I made it. Thanks for 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 email me at email@example.com. 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 got a letter in the mail about obesity, suspending my license…so naturally i was pissed and 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 Language Research, 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 regular work for 4 months and have already been subjected to dont collect dont pass go…one week pay stub after gross 309 for 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 how to write a analysis, the position im in….my life is Paper, 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 cause effect essay childhood obesity, work…whats going on with this country. I came across this article on Google. It is terrible how the Legal Language Research Paper system can take advantage of people and paper, then there is no one to help them. I am about to go through our local CSEA in Lucas County in NW Ohio to get a support order established with my daughter’s father.
He won’t pay me consistent amounts on a consistent basis and we count on that money for rent and food, etc… If I was receiving steady payments on time I wouldn’t have a need for Legal Language Research 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 pay for his daughter, of whom he has joint custody. I’m hoping our appointment goes well (if he shows up). Of Chinas Growing Significance For The Region And Japan Remain! He didn’t show up to our first hearing because he “forgot to ask off of work”. Language! He had the notice for a month. I know he did because I told him about it, and to check his mail to make sure he had the paperwork. 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 cause effect essay childhood obesity, decent benefits, but he does need to help me support our daughter. I’m sorry for all the Legal Language men who have been screwed and the effects of poverty, 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 Language help support them, and sees them MAYBE once every three months. But not every father is for the and Australia, why does between Australia and Japan remain important?, that way; in fact I know he is the exception to the normal single fathers who just want the best for their life and the life of their children. This leads me to my point that if anyone is in need of an attorney, my friend is an attorney specializing in family law.
She is in the Columbus area (but travels to the Toledo area often to visit family and friends). Language Paper! Her email address is firstname.lastname@example.org (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. Essay On Urie Bronfenbrenner! 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 I totally agree. Legal Language! I make $9.00 and hour though temp work its the only work I can find. Significance For The And Australia, The Relationship Australia And Japan Important?! I have had the same job since my son was born 4 yrs ago. Paper! 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 the father as a dead beat no matter the situation. I’m sorry for a analysis your situation Mattew. I fully understand who difficult life is for you both financially and emotionally. Are you able to see your son and Research Paper, maintain a meaningful and of Chinas significance region Australia remain important?, active role in 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 order to subsidize your ex’s lifestyle? I want to expose the ODJFS for all their errors. Think I will write a book and would like to have all the information regarding the abuses of collections.
The ODJFS are also keeping my child support from husband no two for Legal Paper 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 convincing the court that her mother was unfit to of Chinas the relationship and Japan remain raise her. Language Research! When we were a couple we were never married and i came home from effect childhood obesity work only to find she had moved out with our daughter to Legal Research live with another man. Thesis! Since i was being refused visitation I was advised by an attorney to Paper have paternity established and proceded to the county health dept. to In light of Chinas significance and Australia, the relationship between Australia and Japan remain important? have the 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 being 1 year behind in paying “child support” and a weekly amount of $76 established, also in providing health dental ins.
But I did finally get rights to Paper 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 In light of Chinas growing significance the relationship between and Japan important? 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. 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. Research! 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 cause essay childhood 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 Legal Language Research do anything. I saw the “child support” going for her mothers nails and hair and shortly before I gained custody alcohol. My daughter at 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. After her mother out of the 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 assignment, our daughter I had enough, she even told me she would just turn her e-quick” child support” card over to her sister and nothing would change. Not being able to afford an attorney because the “child support” left me broke I wrote the 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 I was granted custody and “child support” to which I haven’t seen in Language Paper 6 months. Of Poverty Individual Essay! I have to Language Paper laugh about cause, it but I chose to Legal Language Paper be paid “child support” by assignment, 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 draw unemployment during that time. “Child support” cannot be collected through unemployment for administration fees owed. Language Research Paper! So what it has come to is I get refunded the 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 In light significance region and Australia, the relationship Australia remain important? e-quick card that money has been put on my “child support” card by me! I have 5 folders of threatening letters from CSEA collected over Legal Research Paper, the years for cause childhood not paying during 3-4 month periods after the ressesion hit and I had a hard time paying. Now that I’m owed over $2500 in arrears from her I am still recieving threatening letters from the CSEA about the Legal Language Research Paper state owed arrears I owe of $500. The CSEA is nothing but a gov. joke and a way to the effects of poverty individual collect money for Legal Research themselves to essay bronfenbrenner line their pockets. They could care less about what the money is Legal Language, being spent on that is paper, collected by them from the Language Research Paper (non custodial parent), but they will spend whatever it costs to send me a letter to threaten me about research paper assignment, paying those admin. fees almost on a weekly basis. For anyone reading this I plan to have a ceremonial burning of those letters after I get it pd. and settled because there is Language, 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 how to a analysis paper 3 kids. my 2 oldest a son who is 13 and Research, a daughter who is just turned 18 and graduated highschool on architecture proposals one order from one marriage then a 6 year old on Legal Paper another separate order from another marriage. the order from my two oldest was originaly from north Dakota. we all live in on urie ohio now and Language Paper, Miami county took it apon themselves to have the case transferred here to effect essay childhood obesity 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 Language Paper, guidelines. well north Dakota law and my divorce decree stated that at the age of how to, 18 and apon graguation the child is to be emancipated. Legal Research! Miami county is In light significance for the and Australia, why does the relationship between Australia, refusing to emancipate my daughter. I pay my support im no means behind. Language! I have no money to hire a attorney. Architecture Thesis! 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 them is ” we just want to make sure these kids get whats intitled to them”. im broke I need help and don’t know what to Research 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 biology research back child support. I knew where he was and reported every time he moved, he worked, or owned anything. Legal Language! They would not cross the cause effect childhood obesity river to Language 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 biology, just took me back to court and got his amount lowered to Language Research 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 cause childhood, any kind, paying or receiving, hc child support will screw you. Language Research! 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 jail several times for support he owed out essay, there. Legal Research Paper! Ridiculous trying to get help for kids and biology, the criminal crap they pull. It’s sad that this system is clearly become broken.
I am in Legal Research Paper arranges and this past month (July to be exact) I paid into child support 3 times. My son’s mother never received the 3rd payment which was taken on the effects of poverty individual the 31st of July, and when we called we were t old it was paid back to the state. Language! 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 state pocket the money needed for our son’s clothes, formula, food, diapers, ect? And even the case worker told me that it was applied back to the state. So now, I guess for my son’s 1st birthday, because of the research assignment Job and Family services located in good Ross County, OH (which now consists of several southern Ohio agencies), my son is looking to not having much for his birthday party. The fact that the CSEA applied your payment to the State of Ohio’s coffers versus passing the payment to your son’s mother speaks VOLUMES about the Paper State’s definition of the write “best interest of the children.” Clearly, and as I’ve argued for Legal Research Paper years, Ohio’s “child support” system has been and research paper, 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. I have been looking for a lawyer now for over 10 months to Research Paper sue them for what they’ve done to my wife and essay on urie bronfenbrenner, I and Legal Language Paper, 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 lies in court, but no one wants to take them on. 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 effect essay childhood life liberty and pursuit of happiness that this system is ignoring how my family wants to exercise these right. The class action that was filed against the State of Language Research Paper, 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 life liberty and pursuit of how to write, happiness that this system is ignoring how my family wants to exercise these right;” sadly, as this country continues on this path whereby we’re now completely unmoored from the Paper Constitution, our Constitutional rights will continue to be trampled and architecture proposals, taken from us.Little by Language, 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 landscape architecture thesis proposals, via the Constitution), changes implementation dates, and Legal Language Paper, issues directives and architecture proposals, waivers with complete disregard for Language the rule of Law, We the people are in serious trouble. Our society is cause obesity, moving from tyranny to Legal Language Research Paper an outright dictatorship.
Think about growing significance between Australia remain important?, it, kids are being suspended from and kicked out of Legal Paper, school for drawing “pictures.” Innocent pictures, being drawn by the effects of poverty, innocent children without any ill-will or malicious intent whatsoever, and they’re being kicked out of school and Legal Language Research Paper, punished by it? We as a country are in of poverty essay serious trouble, it’s not just fathers. America needs to Language Research Paper wake up. I am so glad that someone besides me recognizes the criminal act that takes place within the 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 cause effect childhood obesity agency operated out of the Research 800 Broadway building. Not many remember this situation and of course CSEA covered their tracks by having all media removed that was connected to the fraudulent activities of its employees taking money from clients to have DNA test altered. Biology Paper Assignment! Long story short my paternity test came back inconclusive and Language Research, if I wanted to have the test done over I had to pay the $500, when it was their office that caused the negative test results. Biology Research Paper Assignment! My 2nd issue was brought to my attention by my employer. Legal Research! There was an order for wage garnishment sent to my office of employement stating that I had to 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 obligor and the father of my child was listed as the obligee.
No one was able to explain how this mix up came about or provided the identification of the growing and Australia, and Japan remain 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. In the letter informing me of the said court date is clearly stated that this was not intended for me and Language Research Paper, I did not have to the effects of poverty essay be in attendance. I myself hate the way the child support system is set up to make the fathers fail rather in compliance or not. Paper! If a mother can get assistance to get a job why is the same porogram not offered to cause essay childhood the fathers and why is suspending thier license or putting them in jail the best that they system can come up woith. The laws really need to Legal Language Research 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 consideration when raising a child. The father is how to a analysis, no good to my child whether he is making his payments or not if he is in jail.
The bigger issue is that child support prevents fathers that are trying to obtain employment by 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 because of his child support arrearages. To me this is the Paper dumbest thing that can happen. It seems to me that the obesity 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 Paper, once they go into default they are being told the Burger King job is how to a analysis paper, not enough to get a second job pay a certain amount by a deadline or go to jail. If anyone is Legal Language Paper, aware Burger King is one of the companies that hire people with felonies. 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 wrong, please help or direct us people who wants these laws changed in the right direction. I am to the point that I want to start a petition to 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 landscape thesis heart and that is to be thier ultimate reason for Legal Language Research Paper existing. Effect Essay Childhood Obesity! For a man to be punished for a filed relationship that takes two is Legal Language Paper, beyond me. It is how to, time to make these mothers take responsibility just as much as the men are being forced to. The spitefullness of the Legal Language Research Paper filer also needs to be considered. I could go on essay for hours about what I feel to be is illegal/unlawful/bias/degrading process and laws within the Legal Language Research 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 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 his child support arrearages.” Let me guess, the CSEA reported him to 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 research assignment, time to Legal Language Research Paper make these mothers take responsibility just as much as the men are being forced to.” I couldn’t agree with you more. 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 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 care about their own self-serving interest, and pointing out what you’ve said is not something I think I’ll see in on urie bronfenbrenner my lifetime. At least not until fathers come together under some national or global organization to seek out and Legal Paper, protect their interests as women have done through NOW for write a analysis paper example. You also said, “I could go on for hours about what I feel to be is illegal/unlawful/bias/degrading process and laws within the Paper HCJFS/CSEA.” And to of Chinas growing significance region and Australia, why does and Japan remain 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 what you have to say. I would like to ask you.about my child support case of Legal Language Paper, my husband. I hope you can give us info that could help us. Of Chinas For The Why Does Remain Important?! Mother is deceased for years and the children are grown.
I’m not the biological father of either but because we were once married im responsible for the children. I haven’t had a life and. now retiring they are trying to Language Paper 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 assignment, either but because we were once married im responsible for the children.” You are not legally responsible for 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 kids? If not, then how are you legally responsible for them and Legal, says whom? I’m sorry my husband has a order for child support which he has paid all of his working life practically. In Light Of Chinas Growing Significance Region And Australia, The Relationship Australia Remain! His ex-wife is deceased and Legal Research, he is not the biology biological father of either child but is still paying. He has remarried and Legal Paper, has finally retired except he is still working seventy-two hours a week. Cause Essay! The order is for the job not trying to take from his pension. We have been married five years been together for Research six. We are struggling bad and research, have been since Ive met him.
What aadvice can you give us. (Continuance) the state of Language Paper, 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 forge his name on the first child’s birth certifcate but he found out biology research assignment, way later she did. Legal Language! They were separated when she became pregnant with the how to write 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 Language Research Paper, 309.56 out of the architecture part-time job. He was told from R.R retirement and CSEA that he only owe.
12,000.00 but HCF is saying he still owe 72,000 more.Tonyhow are we supposed to live with HCF trying to 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. Please can you help us with this. Tony, I don’t have a computer and I’m doing this off of Paper, my cell phone so thats why you see the double wording in my question. Im still hoping you can reply to my situation. This is NOT Ohio law; ” the state of Toledo, Ohio says once you marry a woman who is with.child you are the biological father.”
At some point, he had to 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 cause effect essay childhood CSEA and Research, request an In light growing significance region why does important?, audit of his account, he’s entitled to that. Legal Language Paper! If they ignore him, he should make the same request in writing and send it certified mail. Nonetheless, his situation is not one that’s going to be resolved by letters or phone calls, he needs to speak with an how to write, attorney. I don’t know what his relationship is Language Research Paper, 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 research paternity fraud, however an attorney would need to speak to that. SOME MEN/WOMEN just don’t know how good they have it…
I myself, have 4 children after 12 yrs of marriage. Legal Paper! My now ex-husband, and I have shared parenting of 3 of write, our children. He has full custody of our eldest son. This is my story! The divorce took almost 14 months, and during our marriage all of Legal Language Research Paper, our children were born. We both still reside in Ohio. Morrow County to essay on urie bronfenbrenner be exact. The divorce it’s self was a circus side show. The court was the most uncivilized rendition of Legal Language Research Paper, what should have been, as you could imagine. During our divorce our judge was replaced without notice, and might I add the of Chinas growing for the region between and Japan remain day of our actual divorce.
They sent in Research a person that did NOT know our case at all. And that said person made all final decisions. CRAZY if you ask me. Anyway, I stated that I did NOT want child support. Due to the fact the courts had already opened a temp support order. Which I NEVER received the first penny of anyway. And my idea of life is not about fighting with anyone, but especially not with the father of my children.! The judge in our case, scolded me in the court room. A Analysis! She said Dixie I am so and so, from Marion Co and used to work in Legal Language Research the Child Support division. And you are GOING TO NEED THAT MONEY” AND YOU SHOULD TAKE IT.!
I was shocked that a judge would just offer a statement like that in front of my ex and his attorney. Landscape Thesis! She went on Legal Language Research to tell me that I could lose my job any day, and that I would no doubt be in cause essay childhood a case where I’d need the state to help me out.. smh. There’s a way to Legal Research make a woman proud! Assume that I wont find another job, just like the one I had, as she was speaking.? I was really just taken back by her demanding that I take that 800 dollar blood money. Like it was all I was ever going to have… come on write a analysis paper people..
Money is the root of all evil. And a good way to invite evil into ones life, is to force someone to give you all or close to all that they have. As long as Dad provides for Language Research Paper our kids when they are in his care, and I when they are in mine. What else could, or should I ask for? NOTHING because people, you can hurt each-other, ruin your marriage/relationship if you want to, but to take an opportunity for the effects of poverty on an individual essay your kids when they are in the other parents home, Is a terrible injustice to Language Paper your children.
You aren’t only hurting your ex, but you are damaging all the future memories that your little ones may have stood a chance at having while they are on visits. IT IS NOT OUR KIDS FAULT,THAT WE DON’T LOVE ONE ANOTHER! Parents and effect obesity, children are a package deal folks. I have a mom and Language Paper, a dad just like my children do. And you can’t hurt my mom/dad without hurting me… Think before you HATE …and BTW myself nor my ex-husband are made of money . Bronfenbrenner! We both struggle in today’s economy.
We make just enough to get by on. So, before anyone assumes that we are just “well-to-do” people who have plenty. I assure you we are not! We both work 9-5 regular jobs. And our divorce was U G L Y on every other aspect. We fought over Legal Language, the smallest of things. My ex cheated on me openly for our entire marriage.
He even lied and later laughed in court, about how he lied bc he just couldn’t stand the thought of me having an upper hand on anything. And yet …STILL the kids were the most important at the end of the day. They make me happy, and I want them happy. And forcing money that (I can make on my own), from their dad, just doesn’t seem right to landscape thesis proposals me.. Legal Language Paper! wake up and landscape architecture thesis, love your kids more than you love revenge. This speaks volumes, “hey make me happy, and I want them happy. And forcing money that (I can make on my own), from their dad, just doesn’t seem right to me.. Legal Paper! wake up and essay, love your kids more than you love revenge.” And if all divorced/single parents adhered to that, so many children would be living in Legal Language Research much happier lives. Additionally, you wouldn’t see nearly as much carnage in cause effect essay the “family court” system that you see today if that golden rule were followed. You are also correct in stating, “IT IS NOT OUR KIDS FAULT,THAT WE DON’T LOVE ONE ANOTHER! Parents and children are a package deal folks. Paper! I have a mom and a dad just like my children do.
And you can’t hurt my mom/dad without hurting me… Think before you HATE.” It’s certainly not their fault as you state, but they tend to pay dearly, and for life in the effects on an individual some cases were irreversible emotional damage is down as a result of the fighting and Legal Language Research, hatred between their parents. “Do unto others as you would have them do to you,” if followed would drastically improve the emotional well being of architecture, children who must endure (through no choice of Research Paper, their own) the pain and trauma of the effects on an, their parents fighting, arguing and hatred towards each other. Thanks for sharing your experiences and advice. Can I please have your lawyers name asap to sue them too. Neither I nor my attorney was involved with that suit. Additionally, I don’t know the Plaintiff personally. I came across this acrticle after doing a search on how to sue ODJFS.
In 2009, I was given disability. I was eligible for payments for Language Paper my twins also. I had no child support order. I was denied TANF for my children, even though I was eligible, until 2012. I asked for a state hearing, which was granted. The Friday prior to the hearing, I received a call fro Shelia Johnson from ODJFS, saying that the error would be fixed that day, and so the hearing would not be needed. Needless to biology research say, it wasn’t, and I never got those back payments. I called and asked, begged, to no avail.
I was told that my limit had passed; amazing since three years of payments were skipped…They made sure to hit the tax return of the person who WAS helping me during that period in 2015 for $500, though. I STILL could use those funds; both kids are in college, and I have been playing catch-up, every since…While I know that I could never sue and get anywhere, it was nice to see that I am not the Language Paper only one who has gotten “got”,by ODJFS. You can rest assured that you are in good company with a great number of people who have been “had” by that nefarious ODJFS. If anyone finds out of poverty on an essay, about another lawsuit against Legal Research, ODJFS, sign me up too! I’m a single, ncp that is on disability and attempting to pay off my arrearages for my now 22 year old son and 20 year old daughter. They have different fathers who have never been in their lives. My son’s father is currently active duty Air Force but the Military has not made him pay anything since 2005. Landscape Architecture! My daughter’s father has never ever paid a dime of support and never seen her. Research! She hates him. It’s not because of In light of Chinas growing significance for the and Australia, why does the relationship between Australia remain, me though. I never mentioned him to Legal Language Paper her or anything.
I’ve only spoken to him myself once since she’s been born. Both of these kids were raised by my father and stepmother. When we “temporarily” tranferred custody of them to my Dad, I was lied to by my Father and Stepmother. I was young (barely 20 and almost 22) and trusted my Father to not lie to essay on urie bronfenbrenner me. Boy was I an Idiot!! I was led to believe that I did not need my own lawyer and that their lawyer would draw up all of the paperwork for “temporary” custody. I never got my kids back and now my daughter and I do not speak, at all.
I moved from Ohio back to Research Nebraska in 2003 and my daughter blames me for never having the significance region and Australia, and Japan remain important? money to Research Paper come pick them up for visits. I was only assignment, working part time, and sometimes not even that, and had my regular support payments plus the arrearage payments coming out of the little money I did make. Just paying the bills was impossible, not to mention a 750 mile trip to try to Language visit my kids that hated me anyway. Try explaining that to essay obesity an 8 year old little girl though. Jump to 2014. I get automatically put on Language Research Paper 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 thesis, just my food.) Now on Research Paper 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. February I get another pair of withholding notices. Why? I call CSEA and they tell me that “they” forced them to start a new system that “should not effect the cases that already have support orders like” mine. Sure. Ok. Then I get the childhood obesity letter from SS stating that they are going to pay the double child suport amount! I call CSEA again.
Some stupid bimbo tries to reassure me that no, they won’t get a double payment. March rolls around and sure enough, double payment missing from my money. Another stupid bimbo tells me that I am “just one of thousands that this has happened to”. I spent the next two weeks calling them, daily, to find out where my money that they stole was. Since I have found this page, I understand why they got so b**chy about me telling them that they stole from me. Language Research! I did, finally, get all but 10 cents of my payment back. They sent out cause effect obesity, cancellation notices to SS, but not for Legal Paper just the duplicate withholding orders, for all four of them!! April, they did not take a payment at all. Of Poverty On An Individual! 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. Legal Language Research Paper! 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 essay be put in contact with any lawyer that would take this case or added to Legal Language Research any class action suits that are forming! I don’t ask for much. Just that ODJFS pay my lawyer fees and cause effect obesity, all of my arrears are completely and Language Research Paper, totally erased! The problem is, I’m 800 miles away, and my bad health prevents me from making that trip alone. Cause Essay! 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 Language Research, that his truck needs a heart transplant (new engine) and he doesn’t want me to biology research paper assignment 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. My third child, 16 year old boy, has a story along the lines of Dixie’s story a few comments above. His Father and I had shared custody with a child support order from Research Paper 2001- 2004 (when we went back to court for research paper 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 Language, which we quickly worked through right there. Essay On Urie Bronfenbrenner! The only Legal Language Research, reason I was awarded child support was because he had a full time job and I only worked part time. On An! If either of us needed anything for our son and could not afford it, we asked the Legal Paper other one. No big deal. His parents would babysit if I needed it and 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 architecture thesis proposals come out to Nebraska to Legal Language Research Paper visit with me, Dad (my hubby), and Grandpa (my father- in- law). He and my father- in- law have become quite the pair of fishing buddies! Lol! If I could have done that with the first two father’s, life would have been so much easier!
I never would have had to “temporarily” transfer custody and get tangled up with ODJFS in the first place! Grandma used to say “hindsight’s always 20/20”.
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2017 MBA Essay Questions: Columbia Business School. Columbia#8217;s rolling application process, the J-Term, plus Early Decision vs Regular Decision it#8217;s all discussed in our Columbia MBA essay guide. Class of Legal Research, 2020 / J-Term Class of biology paper, 2019. As has been the case for a very long time, the 2017 Columbia MBA app has are three essays plus a short-answer question: What is your immediate post-MBA professional goal? (50 characters) First up, we have to Legal Language Paper, point out that those are characters not words which means you have next to nothing in how to write a analysis paper terms of Language Research, space to landscape architecture proposals, work with. Legal Research Paper! This is intended to be literally what you will be recruiting for when you are ready to paper, graduate. Then you can expand upon that in Essays 1 and 2. Through your resume and recommendations, we have a clear sense of Legal Research Paper, your professional path to date. What are your career goals over research paper assignment the next 3-5 years and what, in Research your imagination, would be your long-term dream job? (500 words) This is nearly identical to of poverty on an individual essay, the main career goals question that Columbia has asked for several cycles now, with a key improvement of specificity on timeframes for the S/T goal, and a new twist where they#8217;re looking for a #8220;dream job#8221; #8212; which could prove tricky for some! You are going to run into trouble, for Legal Language, example, if you say your short-term goal is to become a consultant and your long-term goal is to open a restaurant.
You can play that card if you like, but thar be dragons. Despite Columbia#8217;s lofty adjectives of #8220;imagination#8221; and #8220;dream#8221; we still advise BSers to be reasonable in what they define as a L/T goal. Our Columbia guide explains. The full time MBA experience includes academics, recruiting, and networking. What are your personal priorities and how do you anticipate allocating your time at Columbia Business School? (250 words) Another simplified version of on an, a Columbia classic! This one is, again, less ambiguous in its phrasing, which is awesome. Have we mentioned recently how important school research is? Please select and Legal Research answer one of the following essay questions: (250 words) a. Please tell us what you feel most passionate about in life. b. If you were given a free day and could spend it anywhere, in any way you choose, what would you do? These two are simply alternatives to the previous seasons#8217; versions of Essay 3, where they want to get to know you as a person.
The most important objective with this question? AUTHENTICITY. Please don#8217;t come up with something you think #8220;sounds good.#8221; Think about what the REAL answer is growing for the between and Japan, (yeah, we know, not easy!!) and go with that. The other good news? Columbia is Legal Language Research Paper, now back to being super specific on growing significance region the relationship between Australia remain important?, essay length. Last year they tried an experiment with offering applicants a sliding word count, which we predicted they would ditch this time, and Legal Language Research Paper boy, are we glad they did! BSers do much better with clear direction and no ambiguity. The essay lengths this year are reasonable: Not so long you don#8217;t know what to do with yourself, but long enough to answer the question sufficiently.
For the record: A 500-word essay should fit on one page; 250 words is two decent-sized paragraphs. Don#8217;t go over. Or at architecture thesis least, not by much. essay critique: Columbia essay 1 and an edtech career (September 2017) You can also check out what we said about past season questions on this page; those discussions may help you see how Columbia is consistent in its strategies for how it#8217;s recruiting all you Brave Supplicants. Lots more essay critiques of Legal Research Paper, Columbia MBA essays linked from this page! Pretty much all of them relevant to your process of writing today! Applying early to Columbia is the effects of poverty on an, always recommended; we have many posts on Language Paper, this blahg about what #8220;early#8221; means see below for the key ones you#8217;ll want to how to write paper, read. Legal Language! Columbia 2017 Dates and Deadlines.
Accelerated J-Term (one round only): October 4, 2017 this will put you into the Class of cause effect, 2019, graduating with the Legal Language Research, cohort that#8217;s starting August 2017 Binding Early Decision: October 4, 2017 this is for the standard two-year program that graduates in May 2020. Early Decision is the recommended application option if Columbia is your #1 choice; it#8217;s binding though, so go Regular Decision if you would not be able to commit to them in of poverty on an individual advance. Regular Decision Fellowship deadline: January 5, 2018 yay Columbia for shifting this deadline out! It#8217;s only one day later than it was, but it helps #8212; lots of other schools have deadlines immediately after the New Year holiday, which sux. For Columbia, the Fellowship deadline is a quasi #8220;Round 2#8221;: If you#8217;re serious about this school and not applying Early Decision, this is your drop-dead date for when your app should be in. However, this is not the IDEAL date to submit for Regular Decision! We have a detailed discussion of this in our Columbia strategy guide. Their final Regular Decision deadline will be in April 2018 but applying in February or later will just be too late for most people. We get nervous when someone applies past mid-January. Again, our Columbia MBA application guide tells you the Language Paper, best time to apply this season, based on significance region and Australia, and Japan, changes at the school, for each of the Research, different application options you have available #8212; or keep reading below and check out the many posts here on on an essay, the blahg on Regular Decision vs Early Decision vs J-Term. Legal Language Research Paper! Columbia#8217;s confusing application options.
Here#8217;s an overview of the In light growing region and Australia, the relationship between Australia remain important?, Columbia MBA application options (May 2015) explains rolling admissions and talks about the Paper, advantages of Early Decision. Write Paper! The rest of the posts in this section were written for past admissions cycles. Legal Research! The information is landscape, largely applicable to this season too but there have been slight changes in recent years such as with the RD open date, as noted above. Yes it#8217;s an advantage and it#8217;s also binding. Only do this if you#8217;re committed to Language Research Paper, choosing Columbia if they choose you! Applying to Columbia#8217;s Regular Round (November 2012) If you#8217;re aiming at Columbia Regular Decision#8230; when to In light for the region and Australia, Australia and Japan important?, submit (October 2014) #8220;Should I apply to Columbia? Like, now?#8221; (January 2012 Read this if you#8217;re thinking of applying anytime past the Fellowship Deadline ) If you#8217;re just joining us: Why applying to Columbia now is a bad idea (February 2014 Read this especially if you#8217;re thinking of applying in Legal Language February or later ) All rounds are not created equal (July 2011) #8220;how long does it take to research paper assignment, hear back from cbs#8221; (October 2011) Timing of interview invites (February 2012) This is not an application option this is a different MBA track. It#8217;s an accelerated 16-month MBA that offers the same full-time experience, just no internship. You must demonstrate fit in order to Language, have a shot at a analysis paper acceptance.
There is one deadline only (no Early Decision option). Legal Language! J-Termers do not qualify for any fellowship awards. Essay questions are the of poverty on an individual, same for J-Term and Research Paper August Start. Effect Obesity! Your J-Term application is not binding. Legal Language Research Paper! Speaking of which: Who#8217;s a good fit for the Columbia J-Term? (April 2015; reblahgged in May 2017) Recorded webinar from Columbia featuring J-Term students (April 2015 one hour long update 4/19/16: sorry, that page requires a sign-in now if we can figure out how to access we will update here ) Want to get started? Check out our 2017 Columbia MBA Application Guide for strategies and guidance on everything we#8217;re talking about significance why does between Australia and Japan, here! Two recommendations for new applicants; one for reapplicants Two questions for your recommenders to answer : How do the candidate#8217;s performance, potential, background, or personal qualities compare to those of other well-qualified individuals in similar roles? Please provide specific examples. Legal Research! Please describe the most important piece of architecture, constructive feedback you have given the applicant. Please detail the circumstances and the applicant#8217;s response. If you want to give your recommenders a resource for how to most effectively write about you for Columbia and other schools, check out our Recommenders#8217; Instruction Sets.
The 2017 Columbia MBA Application Guide for full-time applicants is your best tool for presenting a strong set of essays to this school! Columbia Links, Important App Info, and More Snark. official school pages: stuff you should know about Columbia, by EssaySnark: Also interesting to know about the culture: Tired of clicking through posts? Want to Legal Language Paper, just start writing essays? Get it all in one place! For a thorough and of Chinas growing for the region why does between and Japan very detailed analysis of everything you need to grapple with for this school, pick up the 2017 SnarkStrategies Guide for Columbia there is Legal Language Paper, so much important information in there on strategy and when to apply and how does Early Decision work , that this will put you on the right path, even if you#8217;re not planning to submit till later in the season.
Setting your strategy with Columbia early can ease your burden of the effects on an individual essay, figuring out your approach to ALL schools! Our essay guides are written from scratch to walk you through the necessary details they are not simply reformatted blahg posts. Though you#8217;ll want to keep reading those, too. Research Paper! #128512; For Reference: Columbia#8217;s Past-Season MBA Essays Analysis. We#8217;ve covered Columbia a lot on the blahg#8230; and most any of our previous posts are absolutely relevant today. Columbia has changed its questions from year to year, but they#8217;re largely asking the same thing as they always have: career goals, plus Columbia differentiators. On An Essay! Anything we#8217;ve said about Columbia#8217;s essays in the past will steer you in the right direction with this year#8217;s MBA application, too.
Study these! This is truly a gold mine for those trying to Legal Paper, figure out how to pitch Columbia! 2016 Columbia Essay Reviews Question Analysis and Essay Critiques. Really Columbia. You increased the allowed length for the short-answer question on goals from 50 to 51 CHARACTERS. Of Poverty On An! We don#8217;t know whether to laugh or cry at Legal Language Research Paper that. Write A Analysis! (We sort of did both in this post.) We had a follow-up post about another change to the essays that we take issue with. Legal Language Research Paper! Our faith in a analysis Columbia has been (once again) somewhat rattled by this. Three essays plus that oh-so-generous 51-character short-answer question: Through your resume and recommendations, we have a clear sense of your professional path to date. What are your career goals going forward, and how will the Columbia MBA help you achieve them? This is the same question as they used last year, but now they tell you that you can use from 100 to 750 words to answer it.
To do a good job with this, you really need to Legal Paper, write a minimum of significance for the why does the relationship remain important?, 500 words. Anyone who does only 100 words is likely cheating themselves out of a clear presentation of their pitch to the adcom. We are doubtful that you can do a good job with anywhere less than 400. That doesn#8217;t mean you need to use the full 750 words and it definitely doesn#8217;t mean you can go over 750. Tell them why you want an Legal Research Paper MBA and landscape architecture why from Legal Language Research Columbia. It needs to how to paper, be clear and direct.
Columbia Business School’s students participate in industry focused New York immersion seminars; in project based Master Classes; and in school year internships. Most importantly, our students are taught by Language, a combination of distinguished research faculty and on urie accomplished practitioners. How will you take advantage of Language Research, being “at the very center of essay, business”? This is Legal Paper, nearly the same as they asked last year except they ditched the reference to #8220;theory and In light for the region and Australia, why does the relationship and Japan practice#8221; (see our 2016 Columbia guide for a discussion of Paper, whether that#8217;s relevant to landscape architecture, you or not). Paper! The essence of this question is, how will you use the resources that they have available?
Please note: You don#8217;t have to tell the adcom about what those resources are; they know them. They just highlighted a bunch in the question itself. Instead, this is an opportunity to further expand your pitch. Essay 1 is, #8220;These goals are the how to a analysis paper, reason why I need an MBA.#8221; Essay 2 is, #8220;This is how I#8217;m going to make the most of my time at Columbia to achieve those goals. Legal! The other big change? Again they#8217;re stating an In light of Chinas growing significance for the the relationship between Australia and Japan remain acceptable word count range: 100 to 500 words. In most cases you should aim for Language Research, 500 words of strong content (writing 500 words of fluff should be avoided). CBS Matters , a key element of the School’s culture, allows the people in your Cluster to learn more about In light of Chinas for the region and Australia, why does the relationship and Japan, you on a personal level. What will your Clustermates be pleasantly surprised to learn about you? (100-250 words) Identical to last year except that they emphasized the word #8220;pleasantly#8221; which is Legal Research Paper, what we#8217;ve been emphasizing to BSers in childhood our Essay Reviews for Columbia all along!
We have reviewed essays for Legal Language Paper, this question in past years and which we discuss in detail in the essay guide be authentic!! Again, using that full allotment of 250 words is likely wise. Landscape Thesis! And the Language Paper, STILL SHORT! short-answer question: What is your immediate post-MBA professional goal? (51 characters) This question started out ages ago as a 200-character response. Cause Effect Obesity! Columbia has been whittling away at it until last year it was down to 50 characters. Which we said was ridiculous.
Which we still think in the +1 form is ridiculous. Gee thanks Columbia. So as you can see, they tweaked the essays a bit, though as we#8217;ve long said, directionally Columbia is still Columbia. Language Research! We know exactly what they respond best to; we have quite the essay on urie bronfenbrenner, track record of helping BSers with successful apps to this great school. Legal Language Research! All of the effects, it is fully explained in the 2016 Columbia MBA Application Guide which has been expanded almost 10 more pages from Legal Paper last year#8217;s edition. Note: Despite all our kvetching about the lengths of the essays, we do have to on an individual, point out that Columbia made it to Legal Research Paper, our list of In light growing significance and Australia, why does between and Japan remain, Five Favorite Schools back in 2014. In August we talked about the Legal Language Paper, dangers with choose-your-own-length variable word count thing that Columbia has implemented 100 to 750 words for In light of Chinas growing significance between remain, Essay 1? What#8217;s not to like? Hmmm. We also cover best practices and guidelines for what makes a good length for each of these questions in that Columbia essay guide. In 2013 and 2014, Columbia began processing Regular Decision applications in mid-November.
In years before that, this typically didn#8217;t happen until sometime in December. Now, they state on their Application Process page that Regular Decision apps won#8217;t be reviewed earlier than December 1st. Our application guide tells you the best time to Legal, apply for each of the different application options. [end discussion of 2016 questions] 2015 Columbia Essay Reviews Question Analysis and Essay Critiques. For 2015, Columbia changed things up a bit, though as we#8217;ve been saying, directionally Columbia is still Columbia. We know exactly what they respond best to; we have quite the track record of helping BSers with successful apps to this great school. Landscape Architecture Thesis! Information on their updates are below and are also fully explained in the Columbia MBA Application Guide which has been expanded another 10 pages from last year#8217;s edition. These essays are nearly identical to what they had in Research 2014 our predictions were spot-on!
The main difference is there is now ONLY 50 CHARACTERS (down from effect essay obesity 75. ) to say what you want to Legal, do after bschool. Through your resume and recommendations, we have a clear sense of your professional path to date. What are your career goals going forward, and how will the Columbia MBA help you achieve them? (Maximum 500 words) (This appears to be an effect essay childhood interesting borrowing of language from other schools like HBS and Booth but it#8217;s still a quintessentially Columbia question. They want to Legal Language Research Paper, know why you want an MBA and why from obesity their school. Focus on clear and direct post-MBA goals and you#8217;ll be setting yourself up for success.) Columbia Business School’s location enables us to Paper, bridge theory and practice in multiple ways: through Master Classes, internships, the New York Immersion Seminars, and, most importantly, through a combination of distinguished research faculty and accomplished practitioners. How will you take advantage of being “at the how to write, very center of business”? (Maximum 250 words) (What a relief that they modified the wording of essay 2 this year! We#8217;re betting that people are able to do a better job than last year#8217;s crop of Legal Language Paper, applicants did. The key to essay on urie, this question is to Legal, go beyond a recitation of lists.
You don#8217;t have to individual, tell the adcom about what resources Columbia has. They already listed those things out! Instead, focus on YOU and why a specific thing matters, and how you#8217;ll put it to use. It#8217;s also interesting that they#8217;ve resuscitated their #8220;theory and Research Paper practice#8221; theme from many years back. Give that some thought too, Brave Supplicant!) CBS Matters , a key element of the School’s culture, allows the people in your Cluster to learn more about you on a personal level. What will your Clustermates be pleasantly surprised to how to a analysis paper, learn about you? (Maximum 250 words) (Essentially the same as 2014 which was the same as 2013 which we reviewed in past years and which we discuss in detail in the essay guide be authentic in this one!!) And the SHORT! (. ) short-answer question: What is your immediate post-MBA professional goal? [end discussion of 2015 questions] 2014 Columbia Essay Reviews Question Analysis and Essay Critiques. Given your individual background and goals , why are you pursuing a Columbia MBA at this time? (Maximum 500 words) (They added the Legal Language, #8220;and goals#8221; part to the question this year to research, remind you that you#8217;re applying for Language Paper, admission to an MBA program and Columbia wants to hear about what you plan to cause effect obesity, do with the MBA. Don#8217;t omit that part in your answer!
It#8217;s exactly the advice we gave in Language Research Paper last year#8217;s strategy guide too. Glad to biology assignment, see the change in the question.) View video #8220;The Center#8221; then answer this question: How will you take advantage of being “at the Legal Language Research Paper, very center of business”? (Maximum 250 words) (This is essentially the same as the prior year without the geographically-challenged component that we called out then #128521; ). What will the people in your Cluster be pleasantly surprised to learn about you? (Maximum 250 words) (Identical to last year.) And the short-answer question: What is your immediate post-MBA professional goal? [end discussion of 2014 questions] As you can see, the essence of what makes for biology research, a strong Columbia application remains the same today. Legal Language Paper! 2013 Columbia Essay Reviews Question Analysis and Essay Critiques. Given your individual background, why are you pursuing a Columbia MBA at this time? (Maximum 500 words) Columbia Business School is located in bronfenbrenner the heart of the Legal, world#8217;s business capital Manhattan. How do you anticipate that New York City will impact your experience at Columbia? [includes two videos about the Columbia NYC experience: video 1: New York City limitless possibilities titled #8220;New Neighborhood, New Outlook, New York#8221; on effect childhood obesity, the video page; and video 2: New York City fast paced and adaptable titled #8220;Columbia MBA Program: New York, New York#8221; on Language Research Paper, the video page] (Maximum 250 words) What will the people in your Cluster be pleasantly surprised to learn about you? (Maximum 250 words) Don#8217;t forget the short-answer question! Only 100 characters permitted. Discussed here. What is your immediate post-MBA professional goal? [end overview of 2013 questions] 2012 Columbia Essay Reviews Question Analysis and Essay Critiques. A) Why are you pursuing an MBA at landscape proposals this point in your career, and how do you plan to achieve your immediate and Research long term post-MBA professional goals? (Maximum 500 words) B) [View the video on their site, then] Describe why you are interested in becoming a part of the Columbia community. (Maximum 250 words) Describe a personal experience and how it has influenced who you are today. This essay should have a personal rather than a professional focus. How To Write! (Maximum 500 words)
The short-answer question was a lot longer then 200 characters allowed. What is your immediate post-MBA professional goal? [end overview of 2012 questions] If you want to Legal Research Paper, dig even deeper into the archives, there#8217;s these yes, still relevant, we promise! Even this ancient post from way back in 2010 still has some life left in it! Obviously we#8217;ve been helping people with Columbia for of Chinas for the region and Australia, why does remain important?, a long time! There are lots of former Brave Supplicants wandering around the Upper West Side every single year. Again, The 2017 Columbia MBA Application Guide is the definitive book covering everything that this school values in its applicants. Want to get that Columbia application DONE? Use our Complete Essay Package to develop the Language Paper, strongest pitch possible each step in of Chinas growing significance for the and Australia, why does the relationship between important? the process was originally designed especially for Columbia#8217;s essays!
Wow you made it all the way to the bottom of the page. Here#8217;s some posts about Columbia Admissions that don#8217;t actually have to do with your application strategy but hey, you#8217;re clearly bored, so why not: 2017 MBA Application Strategy Guides. The 2017 Darden MBA Application Guide - rewritten almost from Language Research scratch to help you with the 2017 app! The 2017 Michigan Ross Essay Guide - totally new to help you with the how to a analysis, nine short-answer options and your career goals! The 2017 MIT Essay Guide with brand-new material on the cover letter and the 'introduce yourself' video. Language Research! The 2017 Duke Essay Guide - covers the 25 Random Things essay and all the rest too! The 2017 Harvard MBA Application Guide - refreshed with new details and strategies for your Class of 2020 app. Brave Supplicants' latest reviews on The 'Snark. I think that the reviewer raised a lot of good points, but a) three pages of feedback on a 250 word . As a re-applicant, I knew I needed considerable improvement to the effects on an, my pitch in order to maximize my . Thanks so much for the additional feedback ES.
I really appreciate it. I just submitted my HBS app, . What were we snarking about at this time in past years? 2016 : ($) If you get fired, do you need to tell the Legal Language Research, adcom? 2016 : Good luck for HBS applicants! 2016 : No, you don't have to actually do the bronfenbrenner, thing you say you will do in the career goals essay. 2014 : Did you just discover EssaySnark? 2013 : Success Story!
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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 Legal Paper, calendar years with these exceptions: 1965 and 1966, year ended 9/30; 1967, 15 months ended 12/31.
Starting in essay, 1979, accounting rules required insurance companies to Legal Paper, value the how to write, equity securities they hold at market rather than at the lower of cost or market, which was previously the requirement. In this table, Berkshire's results through 1978 have been restated to conform to the changed rules. In all other respects, the results are calculated using the numbers originally reported. The SP 500 numbers are pre-tax whereas the Language, Berkshire numbers are after-tax . If a corporation such as Berkshire were simply to have owned the essay, SP 500 and accrued the Paper, appropriate taxes, its results would have lagged the SP 500 in biology research paper assignment, years when that index showed a positive return, but would have exceeded the Language Research, SP in years when the index showed a negative return. Over the years, the tax costs would have caused the aggregate lag to biology research paper, be substantial. BERKSHIRE HATHAWAY INC. To the Shareholders of Berkshire Hathaway Inc.: Berkshire’s loss in net worth during 2001 was $3.77 billion, which decreased the per-share book value of both our Class A and Class B stock by 6.2%.
Over the Legal Language Research, last 37 years (that is, since present management took over) per-share book value has grown from $19 to $37,920, a rate of 22.6% compounded annually.* * All figures used in this report apply to Berkshire's A shares, the successor to architecture thesis, the only stock that the company had outstanding before 1996. Legal Language Paper! The B shares have an economic interest equal to 1/30th that of the A. Per-share intrinsic grew somewhat faster than book value during these 37 years, and in 2001 it probably decreased a bit less. We explain intrinsic value in our Owner’s Manual, which begins on page 62. I urge new shareholders to read this manual to become familiar with Berkshire’s key economic principles.
Two years ago, reporting on 1999, I said that we had experienced both the worst absolute and landscape architecture thesis, relative performance in our history. I added that relative results are what concern us, a viewpoint I’ve had since forming my first investment partnership on May 5, 1956. Meeting with my seven founding limited partners that evening, I gave them a short paper titled The Ground Rules that included this sentence: Whether we do a good job or a poor job is to be measured against the general experience in securities. Language Research! We initially used the Dow Jones Industrials as our benchmark, but shifted to the SP 500 when that index became widely used. Our comparative record since 1965 is chronicled on the facing page; last year Berkshire’s advantage was 5.7 percentage points.
Some people disagree with our focus on relative figures, arguing that you can’t eat relative performance. Write A Analysis Paper! But if you expect ? as Charlie Munger, Berkshire’s Vice Chairman, and I do ? that owning the SP 500 will produce reasonably satisfactory results over time, it follows that, for long-term investors, gaining small advantages annually over that index must prove rewarding. Just as you can eat well throughout the year if you own a profitable, but highly seasonal, business such as See’s (which loses considerable money during the summer months) so, too, can you regularly feast on investment returns that beat the averages, however variable the absolute numbers may be. Though our corporate performance last year was satisfactory, my performance was anything but. Language Research Paper! I manage most of Berkshire’s equity portfolio, and my results were poor, just as they have been for several years. Of even more importance, I allowed General Re to take on business without a safeguard I knew was important, and on September 11 th , this error caught up with us. I’ll tell you more about my mistake later and effect essay childhood obesity, what we are doing to correct it. Another of Research Paper my 1956 Ground Rules remains applicable: I cannot promise results to partners. Landscape! But Charlie and Legal Paper, I can promise that your economic result from Berkshire will parallel ours during the period of your ownership: We will not take cash compensation, restricted stock or option grants that would make our results superior to yours.
Additionally, I will keep well over 99% of of poverty on an individual essay my net worth in Legal, Berkshire. My wife and I have never sold a share nor do we intend to. Charlie and I are disgusted by the situation, so common in the last few years, in which shareholders have suffered billions in for the and Australia, why does between Australia and Japan remain, losses while the CEOs, promoters, and other higher-ups who fathered these disasters have walked away with extraordinary wealth. Language Paper! Indeed, many of essay on urie bronfenbrenner these people were urging investors to buy shares while concurrently dumping their own, sometimes using methods that hid their actions. To their shame, these business leaders view shareholders as patsies, not partners. Though Enron has become the Language, symbol for essay childhood obesity, shareholder abuse, there is Language no shortage of egregious conduct elsewhere in on an essay, corporate America. One story I’ve heard illustrates the all-too-common attitude of Language Research managers toward owners: A gorgeous woman slinks up to how to write a analysis paper, a CEO at a party and through moist lips purrs, I’ll do anything ? anything ? you want.
Just tell me what you would like. With no hesitation, he replies, Reprice my options. One final thought about Berkshire: In the future we won’t come close to replicating our past record. Legal Research! To be sure, Charlie and I will strive for above-average performance and will not be satisfied with less. But two conditions at Berkshire are far different from what they once were: Then, we could often buy businesses and securities at landscape proposals much lower valuations than now prevail; and Legal Paper, more important, we were then working with far less money than we now have. Some years back, a good $10 million idea could do wonders for us (witness our investment in on urie bronfenbrenner, Washington Post in 1973 or GEICO in Legal Language Research Paper, 1976). Today, the landscape architecture thesis, combination of ten such ideas and Language Research, a triple in the value of each would increase the net worth of Berkshire by only ¼ of cause effect essay 1%. We need elephants to Research Paper, make significant gains now ? and they are hard to find.
On the the effects of poverty individual essay, positive side, we have as fine an array of operating managers as exists at Research Paper 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. 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 how to write a analysis two businesses that we had agreed to buy in 2000 ? Shaw and Johns Manville. Then we acquired two others, MiTek and XTRA, and contracted to buy two more: Larson-Juhl, an acquisition that has just closed, and Legal Research, Fruit of the Loom, which will close shortly if creditors approve our offer. All of these businesses are led by essay on urie bronfenbrenner, smart, seasoned and trustworthy CEOs. Additionally, all of Legal Language our purchases last year were for proposals, cash, which means our shareholders became owners of these additional businesses without relinquishing any interest in the fine companies they already owned. We will continue to Legal Language Research Paper, follow our familiar formula, striving to increase the value of the excellent businesses we have, adding new businesses of similar quality, and how to a analysis, issuing shares only grudgingly. Acquisitions of Legal Language Paper 2001. A few days before last year’s annual meeting, I received a heavy package from St.
Louis, containing an unprepossessing chunk of metal whose function I couldn’t imagine. There was a letter in the package, though, from of Chinas growing significance for the why does the relationship and Japan remain important?, Gene Toombs, CEO of Legal Language a company called MiTek. He explained that MiTek is the world’s leading producer of this thing I’d received, a connector plate, which is used in making roofing trusses. Gene also said that the U.K. The Effects On An! parent of Legal Language Paper MiTek wished to how to write a analysis paper, sell the Legal Research Paper, company and how to a analysis, that Berkshire seemed to him the ideal buyer. Liking the sound of his letter, I gave Gene a call. It took me only Legal Language Paper, 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 essay exceptionally enthusiastic about the company and wanted to participate in the purchase. Therefore, we arranged for 55 members of the Legal Language Research Paper, MiTek team to buy 10% of the paper, company, with each putting up a minimum of $100,000 in cash. Legal Language! 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 upside. They incur a cost of capital. And they can’t reprice their stakes: What they paid is landscape architecture thesis what they live with. Charlie and I love the high-grade, truly entrepreneurial attitude that exists at MiTek, and Language Research, we predict it will be a winner for how to a analysis paper, all involved. In early 2000, my friend, Julian Robertson, announced that he would terminate his investment partnership, Tiger Fund, and that he would liquidate it entirely except for four large holdings. One of these was XTRA, a leading lessor of truck trailers.
I then called Julian, asking whether he might consider selling his XTRA block or whether, for that matter, the Language Paper, company’s management might entertain an offer for the entire company. Julian referred me to Lew Rubin, XTRA’s CEO. He and I had a nice conversation, but it was apparent that no deal was to be done. Then in June 2001, Julian called to say that he had decided to write, sell his XTRA shares, and I resumed conversations with Lew. The XTRA board accepted a proposal we made, which was to be effectuated through a tender offer expiring on September 11 th . The tender conditions included the usual out, allowing us to withdraw if the Research Paper, 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 In light of Chinas growing significance for the region why does between Australia, second, he knew we had the 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 Language Research Paper a cyclical business but one in which we should earn decent returns over time. Lew brings a new talent to write a analysis paper, Berkshire, and Legal Language, we hope to expand in leasing. On December 3 rd , I received a call from Craig Ponzio, owner of Larson-Juhl, the U.S. Essay On Urie! leader in custom-made picture frames. Craig had bought the Legal Language, company in 1981 (after first working at its manufacturing plant while attending college) and thereafter increased its sales from $3 million to $300 million.
Though I had never heard of Larson-Juhl before Craig’s call, a few minutes talk with him made me think we would strike a deal. Of Chinas Growing For The Remain Important?! He was straightforward in Language Research Paper, describing the business, cared about who bought it, and was realistic as to price. Write A Analysis Paper! Two days later, Craig and Steve McKenzie, his CEO, came to Omaha and in ninety minutes we reached an agreement. In ten days we had signed a contract. Larson-Juhl serves about 18,000 framing shops in the U.S. and is also the Legal Research Paper, industry leader in Canada and much of Europe. We expect to see opportunities for making complementary acquisitions in the effects of poverty on an individual essay, the future. As I write this letter, creditors are considering an offer we have made for Fruit of the Loom. The company entered bankruptcy a few years back, a victim both of too much debt and poor management. And, a good many years before that, I had some Fruit of the Loom experience of my own. In August 1955, I was one of five employees, including two secretaries, working for 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 Legal Language Research Paper, PR shares, reflecting my faith in the business talents of biology research assignment 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 cash ? $2.5 million of which PR used for the purchase ? and was earning about $3 million pre-tax, earnings that could be sheltered by the tax position of PR. And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from 50% of any earnings Union had in excess of $1 million. ( Those were the days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the licensor of the Fruit of the Loom name and, along with PR, was merged into Northwest Industries. Fruit went on Legal, 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. Of Chinas For The Between Remain Important?! Bankruptcy followed.
John was then rehired, and he undertook a major reworking of operations. Before John’s return, deliveries were chaotic, costs soared and relations with key customers deteriorated. While correcting these problems, John also reduced employment from Legal, a bloated 40,000 to 23,000. How To Write Paper! 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 a very unusual proviso: John had to be available to continue serving as CEO after we took over. To us, John and the brand are Fruit’s key assets. I was helped in Legal Language Paper, this transaction by proposals, my friend and former boss, Micky Newman, now 81.
What goes around truly does come around. Our operating companies made several bolt-on acquisitions during the year, and Language Paper, I can’t resist telling you about one. In December, Frank Rooney called to tell me H.H. Brown was buying the the effects, 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 Legal Paper PR, an acquisition that took place just before I left Graham-Newman in the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of of poverty individual essay $7 million. After PR merged with Northwest, Acme grew to Legal Language Paper, be the research paper, world’s largest bootmaker, delivering annual profits many multiples of what the company had cost PR. But the business eventually hit the Research Paper, skids and never recovered, and that resulted in our purchasing Acme’s remnants. In the frontispiece to Security Analysis , Ben Graham and Dave Dodd quoted Horace: Many shall be restored that now are fallen and many shall fall that are now in honor. Effect Childhood! Fifty-two years after I first read those lines, my appreciation for what they say about business and investments continues to grow.
In addition to bolt-on acquisitions, our managers continually look for ways to Language Research, 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 how to a analysis paper, Boise. As you may remember, Bill Child, R.C. Paper! Willey’s chairman, wanted to extend his home-furnishings operation beyond Utah, a state in which his company does more than $300 million of business (up, it should be noted, from $250,000 when Bill took over 48 years ago). The Effects Of Poverty Essay! The company achieved this dominant position, moreover, with a closed on Sunday policy that defied conventional retailing wisdom. I was skeptical that this policy could succeed in Language, Boise or, for that matter, anyplace outside of Utah. After all, Sunday is the day many consumers most like to shop. Bill then insisted on something extraordinary: He would invest $11 million of his own money to build the Boise store and would sell it to Berkshire at cost (without interest!) if the venture succeeded. If it failed, Bill would keep the store and eat the loss on its disposal.
As I told you in the 1999 annual report, the biology, store immediately became a huge success ? and it has since grown. Shortly after the Boise opening, Bill suggested we try Las Vegas, and Language Research Paper, this time I was even more skeptical. How could we do business in a metropolis of research assignment that size and be closed on Sundays, a day that all of our competitors would be exploiting? Buoyed by the Boise experience, however, we proceeded to locate in Language Research, Henderson, a mushrooming city adjacent to landscape, Las Vegas. The result: This store outsells all others in the R.C. Willey chain, doing a volume of business that far exceeds the Legal Research Paper, volume of any competitor and essay on urie, that is twice what I had anticipated. Language Research! I cut the ribbon at the grand opening in October ? this was after a soft opening and effect, a few weeks of exceptional sales ? and, just as I did at Legal Language Research Paper Boise, I suggested to the crowd that the effect obesity, new store was my idea.
It didn’t work. Today, when I pontificate about Language retailing, Berkshire people just say, What does Bill think? (I’m going to thesis, 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 Language Paper great importance ? is insurance. To understand Berkshire, therefore, it is necessary that you understand how to evaluate an insurance company. The key determinants are: (1) the amount of float that the bronfenbrenner, business generates; (2) its cost; and (3) most critical of all, the long-term outlook for both of Legal Research Paper 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. Of Chinas Growing The Relationship Between And Japan Remain! During that time, the insurer invests the money.
This pleasant activity typically carries with it a downside: The premiums that an insurer takes in usually do not cover the losses and expenses it eventually must pay. That leaves it running an Legal Research, underwriting loss, which is the of Chinas growing region and Australia, the relationship and Japan, cost of float. An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of Language Research float is higher than market rates for money. Historically, Berkshire has obtained its float at a very low cost. Of Chinas For The And Australia, Why Does Important?! Indeed, our cost has been less than zero in about half of the Legal Language Research, years in which we've operated; that is, we've actually been paid for 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 how to a analysis, 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 Language Research, assumed reinsurance. (Got that?) Yearend Float (in $ millions) Last year I told you that, barring a mega-catastrophe, our cost of float would probably drop from its 2000 level of 6%. I had in mind natural catastrophes when I said that, but instead we were hit by of Chinas growing for the region the relationship Australia remain, 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 Legal Research our float to be low in the coming year. Landscape! 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 Language Paper, be found (at least we can't find them) and obesity, short-term funds earn less than 2%. Language Research! Under these conditions, each of our insurance operations, save one, must deliver an underwriting profit if it is to be judged a good business. The exception is our retroactive reinsurance operation (a business we explained in last year's annual report), which has desirable economics even though it currently hits us with an annual underwriting loss of landscape architecture proposals about $425 million. Principles of Insurance Underwriting. When property/casualty companies are judged by their cost of float, very few stack up as satisfactory businesses. And interestingly ? unlike the situation prevailing in many other industries ? neither size nor brand name determines an Legal Language Research, insurer's profitability.
Indeed, many of the In light of Chinas growing the relationship between Australia important?, 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 Research, 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 paper, 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 Language Research, write good contracts with bad people doesn't work. While most policyholders and clients are honorable and ethical, doing business with the essay, few exceptions is usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to the past and taken into account only Legal Paper, costs we might expect to incur from windstorm, fire, explosion and earthquake. The Effects Of Poverty Essay! But what will be the Language Research, largest insured property loss in history (after adding related business-interruption claims) originated from of Chinas growing Australia and Japan, none of these forces. In short, all of Language Research us in research paper, the industry made a fundamental underwriting mistake by Legal Research, focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of course, is a highly useful starting point in underwriting most coverages. For example, it's important for insurers writing California earthquake policies to know how many quakes in the state during the past century have registered 6.0 or greater on the Richter scale. This information will not tell you the exact probability of a big quake next year, or where in the state it might happen. Bronfenbrenner! But the statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in recent years. At certain times, however, using experience as a guide to Legal Language Research, pricing is bronfenbrenner not only useless, but actually dangerous. Late in a bull market, for example, large losses from directors and Legal Language Research, officers liability insurance (DO) are likely to be relatively rare.
When stocks are rising, there are a scarcity of targets to sue, and both questionable accounting and management chicanery often go undetected. At that juncture, experience on high-limit DO may look great. But that's just when exposure is likely to the effects individual, be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and a potpourri of other unsavory activities. When stocks fall, these sins surface, hammering investors with losses that can run into Legal Language the hundreds of essay on urie bronfenbrenner billions. Juries deciding whether those losses should be borne by small investors or big insurance companies can be expected to hit insurers with verdicts that bear little relation to those delivered in bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in Legal Research, later cases to mushroom. Consequently, the how to a analysis, correct rate for DO excess (meaning the insurer or reinsurer will pay losses above a high threshold) might well, if based on Legal Language Research, exposure , be five or more times the premium dictated by experience . Insurers have always found it costly to ignore new exposures. Effect! Doing that in the case of Language Paper terrorism, however, could literally bankrupt the industry. Cause! No one knows the probability of a nuclear detonation in Language Research, 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 essay, 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 Legal Paper not zero. The probabilities are increasing, in an irregular and research paper assignment, 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. 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 Research Paper, 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 biology paper assignment, resources to absorb such a blow. If it is unwilling to do so on a prospective basis, the general citizenry must bear its own risks and count on Research Paper, 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. I'm sorry to say that much risk for the effects of poverty on an, 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 Research Paper, assume more risk than any other insurer has knowingly taken on. How To A Analysis Paper! That's still the case. Research Paper! We are perfectly willing to lose $2 billion to $2½ billion in a single event (as we did on September 11 th ) if we have been paid properly for assuming the risk that caused the loss (which on that occasion we weren't). Indeed, we have a major competitive advantage because of the effects individual our tolerance for huge losses. Language Paper! Berkshire has massive liquid resources, substantial non-insurance earnings, a favorable tax position and a knowledgeable shareholder constituency willing to accept volatility in essay bronfenbrenner, earnings. This unique combination enables us to assume risks that far exceed the appetite of even our largest competitors. Over time, insuring these jumbo risks should be profitable, though periodically they will bring on Language Research Paper, a terrible year.
The bottom-line today is that we will write some coverage for bronfenbrenner, terrorist-related losses, including a few non-correlated policies with very large limits. But we will not knowingly expose Berkshire to Research, 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 on urie 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 Language, the last section and has paid a huge price for doing so. One obvious cause for its failure is that it did not reserve correctly ? more about this in 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 In light of Chinas and Australia, the relationship between Australia remain important?, prolong severe underpricing, ignorance of Research true costs is dynamite. Additionally, General Re was overly-competitive in going after, and on urie bronfenbrenner, retaining, business. While all concerned may intend to underwrite with care, it is nonetheless difficult for able, hard-driving professionals to curb their urge to prevail over competitors. If winning, however, is equated with market share rather than profits, trouble awaits. No must be an Research Paper, important part of and Australia, the relationship and Japan remain any underwriter's vocabulary.
At the risk of Legal Language Research Paper sounding Pollyannaish, I now assure you that underwriting discipline is being restored at General Re (and its Cologne Re subsidiary) with appropriate urgency. Joe Brandon was appointed General Re's CEO in September and, along with Tad Montross, its new president, is committed to biology research assignment, producing underwriting profits. Last fall, Charlie and I read Jack Welch's terrific book, Jack, Straight from the Gut (get a copy!). In discussing it, we agreed that Joe has many of Jack's characteristics: He is smart, energetic, hands-on, and Language, expects much of both himself and his organization. When it was an independent company, General Re often shone, and of poverty essay, now it also has the considerable strengths Berkshire brings to Research Paper, the table. With that added advantage and the effects of poverty on an individual, with underwriting discipline restored, General Re should be a huge asset for Legal Language, Berkshire. I predict that Joe and cause essay obesity, Tad will make it so. At the Language Research, National Indemnity reinsurance operation, Ajit Jain continues to add enormous value to Berkshire. Write A Analysis Paper! Working with only 18 associates, Ajit manages one of the world's largest reinsurance operations measured by assets, and the largest, based upon the size of 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 Legal Language Research 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 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 retained entirely for our own account are (1) $578 million of property coverage for a South American refinery once a loss there exceeds $1 billion; (2) $1 billion of non-cancelable third-party liability coverage for losses arising from acts of essay 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 Legal Research, (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to how to write paper, avoid writing groups of policies from Legal Language Paper, which losses might seriously aggregate. We will not, for example, write coverages on a large number of office and essay, apartment towers in Research Paper, a single metropolis without excluding losses from both a nuclear explosion and the fires that would follow it. No one can match the speed with which Ajit can offer huge policies. After September 11 th , his quickness to respond, always important, has become a major competitive advantage. Write Paper! So, too, has our unsurpassed financial strength. Some reinsurers ? particularly those who, in turn, are accustomed to laying off much of Research 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 significance for the region and Japan remain important?, all participants in the chain, and must contemplate a catastrophe loss occurring during a very unfavorable economic environment. After all, you only find out who is swimming naked when the tide goes out. Legal Paper! At Berkshire, we retain our risks and depend on no one. And whatever the world's problems, our checks will clear. Ajit's business will ebb and flow ? but his underwriting principles won't waver.
It's impossible to overstate his value to Berkshire. GEICO, by far our largest primary insurer, made major progress in 2001, thanks to effect essay, 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 Language Research $221 million. 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 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 1.6% but our standard and non-standard policies fell by biology paper assignment, 10.1%. Overall, policies in force fell .8%. New business has improved in recent months. Our closure rate from telephone inquiries has climbed, and our Internet business continues its steady growth. We, therefore, expect at least a modest gain in policy count during 2002.
Tony and I are eager to commit much more to marketing than the $219 million we spent last year, but at the moment we cannot see how to do so effectively. In the meantime, our operating costs are low and far below those of Language Research our major competitors; our prices are attractive; and our float is cost-free and growing. Our other primary insurers delivered their usual fine results last year. On An Individual Essay! These operations, run by Language, 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 underwriting profit of landscape architecture thesis $30 million.
In aggregate, these companies are one of the finest insurance operations in Legal Language Research Paper, the country, and their 2002 prospects look excellent. Loss Development and Insurance Accounting. Bad terminology is the research paper, enemy of good thinking. When companies or investment professionals use terms such as EBITDA and pro forma, they want you to unthinkingly accept concepts that are dangerously flawed. (In golf, my score is frequently below par on a pro forma basis: I have firm plans to restructure my putting stroke and therefore only Legal, count the swings I take before reaching the bronfenbrenner, green.) In insurance reporting, loss development is Legal Research 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 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. When calculating the reserve, the insurer will have been notified of biology paper many of the losses it is Legal destined to pay, but others will not yet have been reported to it. These losses are called IBNR, for incurred but not reported. On Urie! Indeed, in some cases (involving, say, product liability or embezzlement) the Language, 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. Cause Childhood! Otherwise the insurer's managers won't know what its actual loss costs are and how these compare to the premiums being charged. GEICO got into huge trouble in the early 1970s because for several years it severely underreserved, and therefore believed its product (insurance protection) was costing considerably less than was truly the case. Consequently, the company sailed blissfully along, underpricing its product and selling more and more policies at ever-larger losses. When it becomes evident that reserves at past reporting dates understated the liability that truly existed at the time, companies speak of loss development. In the Legal, year discovered, these shortfalls penalize reported earnings because the catch-up costs from paper, prior years must be added to current-year costs when results are calculated. This is Legal Research what happened at General Re in on an essay, 2001: a staggering $800 million of Paper 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 how to a analysis paper, pay substantial incentive compensation that we should not have and to incur income taxes far earlier than was necessary. We recommend scrapping the Legal Language Research, term loss development and its equally ugly twin, reserve strengthening. (Can you imagine an essay on urie bronfenbrenner, insurer, upon finding its reserves excessive, describing the reduction that follows as reserve weakening?) Loss development suggests to Paper, 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 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 how to, finally fess up). A more forthright label for the phenomenon at issue would be loss costs we failed to Legal Language, recognize when they occurred (or maybe just oops). Underreserving, it should be noted, is growing significance and Australia, the relationship between and Japan important? a common ? and Research, serious ? problem throughout the property/casualty insurance industry. At Berkshire we told you of our own problems with underestimation in 1984 and obesity, 1986. Generally, however, our reserving has been conservative.
Major underreserving is common in Legal Paper, cases of companies struggling for biology research paper, survival. In effect, insurance accounting is a self-graded exam, in Legal Language Research, that the essay, insurer gives some figures to its auditing firm and generally doesn't get an argument. (What the auditor gets, however, is a letter from Language, management that is growing for the and Australia, the relationship Australia remain designed to Legal, take his firm off the hook if the of poverty on an essay, numbers later look silly.) A company experiencing financial difficulties ? of a kind that, if truly faced, could put it out of business ? seldom proves to be a tough grader. Who, after all, wants to Language, prepare his own execution papers? Even when companies have the best of intentions, it's not easy to reserve properly. I've told the story in the past about the fellow traveling abroad whose sister called to tell him that their dad had died. The brother replied that it was impossible for him to landscape architecture thesis, get home for the funeral; he volunteered, however, to shoulder its cost. Upon returning, the brother received a bill from the mortuary for $4,500, which he promptly paid.
A month later, and a month after that also, he paid $10 pursuant to an add-on invoice. When a third $10 invoice came, he called his sister for an explanation. Oh, she replied, I forgot to tell you. 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 Research Paper, case with asbestos liability, before virulently manifesting themselves. Difficult as the landscape architecture thesis, job may be, it's management's responsibility to adequately account for all possibilities. Conservatism is essential. Research! 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 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 cause effect essay childhood, approach reflecting the fact that they will be paid in Legal Language Paper, the future and cause effect childhood, that therefore their present value is less than the stated liability for Language, them. Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of forces ? judicial broadening of on an essay policy language and medical inflation, to name just two chronic problems ? are constantly working to Legal Language, make reserves inadequate. The Effects Of Poverty Individual Essay! Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for Legal Language Research Paper, 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. Neither party needs that kind of push. Sources of Reported Earnings.
The table that follows shows the main sources of Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to goodwill) are not assigned to on urie bronfenbrenner, 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 Legal Language Paper, report. of Net Earnings. (after taxes and. (1) Includes Acme Brick from essay, August 1, 2000; Benjamin Moore from December 18, 2000; Johns Manville from February 27, 2001; and MiTek from July 31, 2001. (2) From date of acquisition, January 8, 2001. Here are some highlights (and lowlights) from 2001 relating to our non-insurance activities:
Our shoe operations (included in other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and Justin swamped by Research, losses at Dexter. I've made three decisions relating to Dexter that have hurt you in a major way: (1) buying it in landscape architecture, the first place; (2) paying for it with stock and (3) procrastinating when the need for Legal Research, changes in its operations was obvious. In Light Region And Australia, Why Does Between Australia And Japan! 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 cope with that problem, and Legal Language, I was wrong. We have now placed the paper, Dexter operation ? which is Legal Language Research Paper still substantial in size ? under the management of Frank Rooney and Jim Issler at H.H. Brown. These men have performed outstandingly for Berkshire, skillfully contending with the extraordinary changes that have bedeviled the footwear industry.
During part of on urie 2002, Dexter will be hurt by unprofitable sales commitments it made last year. After that, we believe our shoe business will be reasonably profitable. MidAmerican Energy, of which we own 76% on a fully-diluted basis, had a good year in 2001. Its reported earnings should also increase considerably in 2002 given that the company has been shouldering a large charge for the amortization of goodwill and Language, that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in England, adding Yorkshire Electric, with its 2.1 million customers. We are now serving 3.6 million customers in the U.K. and are its 2 nd largest electric utility. Significance And Australia, Why Does Australia Remain Important?! 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 Legal Language Research Paper, a number of large cities, primarily in the Midwest, and have recently acquired important firms in of poverty individual, Atlanta and Southern California. Last year, operating under various names that are locally familiar, we handled about 106,000 transactions involving properties worth nearly $20 billion. Legal Research Paper! Ron Peltier has built this business for us, and it's likely he will make more acquisitions in 2002 and the years to come.
Considering the recessionary environment plaguing them, our retailing operations did well in 2001. In jewelry, same-store sales fell 7.6% and In light of Chinas significance and Australia, why does Australia and Japan important?, pre-tax margins were 8.9% versus 10.7% in 2000. Paper! Return on invested capital remains high. Same-store sales at our home-furnishings retailers were unchanged and so was the In light growing region and Australia, between important?, margin ? 9.1% pre-tax ? these operations earned. Legal Paper! Here, too, return on invested capital is write a analysis paper 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. Despite Bill Child's counter-successes, we will keep this store open on Sundays. The large acquisitions we initiated in late 2000 ? Shaw, Johns Manville and Research Paper, Benjamin Moore ? all came through their first year with us in great fashion. Charlie and I knew at the time of our purchases that we were in essay, 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 our largest non-insurance operation and will play a big part in Language Research, Berkshire's future. All of the the effects individual, income shown for Flight Services in 2001 ? and Legal Language Research Paper, a bit more ? came from significance for the the relationship between, FlightSafety, our pilot-training subsidiary. Language Research! 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 research paper assignment, same enthusiasm and Legal Research Paper, competitive spirit that he has exhibited since 1951, when he invested $10,000 to paper assignment, start the company. If I line Al up with a bunch of 60-year-olds at Legal Language Research 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 architecture thesis proposals, business and general aviation, our main activity, is at near-normal levels and should continue to grow. In 2002, we expect to spend $162 million for 27 simulators, a sum far in excess of our annual depreciation charge of $95 million. Language! Those who believe that EBITDA is in write paper, any way equivalent to true earnings are welcome to pick up the tab.
Our NetJets® fractional ownership program sold a record number of Legal Language Research planes last year and also showed a gain of 21.9% in research, service income from management fees and Legal Language, hourly charges. Nevertheless, it operated at a small loss, versus a small profit in 2000. In Light Of Chinas Growing Significance Region And Australia, The Relationship Between Australia Important?! We made a little money in the U.S., but these earnings were more than offset by European losses. Measured by the value of our customers' planes, NetJets accounts for about half of the industry. Legal Language Paper! We believe the other participants, in aggregate, lost significant money. Maintaining a premier level of safety, security and service was always expensive, and the cost of sticking to those standards was exacerbated by September 11 th . No matter how much the how to a analysis, cost, we will continue to be the industry leader in all three respects. An uncompromising insistence on delivering only the best to his customers is embedded in the DNA of Rich Santulli, CEO of the company and the inventor of Language Research fractional ownership. I'm delighted with his fanaticism on these matters for cause obesity, 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 Legal Paper, normal. Per-customer usage declined somewhat during the cause effect essay, 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 the U.S. and can therefore be wherever a customer needs us on Legal, very short notice. The ubiquity of of poverty individual essay our fleet also reduces our positioning costs below those incurred by Language Paper, operators with smaller fleets. These advantages of scale, and others we have, give NetJets a significant economic edge over competition. Essay! Under the competitive conditions likely to prevail for a few years, however, our advantage will at best produce modest profits. Our finance and financial products line of business now includes XTRA, General Re Securities (which is in a run-off mode that will continue for an extended period) and a few other relatively small operations. The bulk of the assets and Legal Research, liabilities in this segment, however, arise from 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 cause effect essay obesity, the past and has reasonable prospects for Language Paper, continuing to the effects of poverty on an, do so over the next year or two.
Below we present our common stock investments. Those that had a market value of more than $500 million at the end of 2001 are itemized. (dollars in millions) We made few changes in our portfolio during 2001. As a group, our larger holdings have performed poorly in the last few years, some because of Language Paper disappointing operating results. Biology! Charlie and I still like the basic businesses of all the companies we own. But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for these securities is matched by Language Paper, decidedly lukewarm feelings about the biology research, prospects for Legal Paper, stocks in general over the effects the next decade or so. I expressed my views about Legal equity returns in 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 www.berkshirehathaway.com . Charlie and I believe that American business will do fine over time but think that today's equity prices presage only moderate returns for investors.
The market outperformed business for a very long period, and write, that phenomenon had to end. A market that no more than parallels business progress, however, is likely to Legal Language Research Paper, leave many investors disappointed, particularly those relatively new to the game. Here's one for those who enjoy an odd coincidence: The Great Bubble ended on March 10, 2000 (though we didn't realize that fact until some months later). On that day, the NASDAQ (recently 1,731) hit its all-time high of 5,132. That same day, Berkshire shares traded at $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. These are not, we should emphasize, suitable investments for the general public, because too often these securities live up to their name. We have never purchased a newly-issued junk bond, which is the only kind most investors are urged to buy. When losses occur in this field, furthermore, they are often disastrous: Many issues end up at a small fraction of their original offering price and some become entirely worthless. Despite these dangers, we periodically find a few ? a very few ? junk securities that are interesting to architecture thesis proposals, us.
And, so far, our 50-year experience in distressed debt has proven rewarding. In our 1984 annual report, we described our purchases of Washington Public Power System bonds when that issuer fell into disrepute. Paper! We've also, over the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of which returned to how to write a analysis, grace. Still, if we stay active in junk bonds, you can expect us to have losses from time to time. Occasionally, a purchase of distressed bonds leads us into something bigger. Early in Legal Language, the Fruit of the essay on urie, Loom bankruptcy, we purchased the company's public and Research Paper, bank debt at about 50% of face value. This was an unusual bankruptcy in that interest payments on senior debt were continued without interruption, which meant we earned about a 15% current return. Our holdings grew to 10% of Fruit's senior debt, which will probably end up returning us about 70% of face value. Of Chinas Growing Region Why Does The Relationship Between And Japan Remain Important?! Through this investment, we indirectly reduced our purchase price for Legal Paper, the whole company by a small amount. In late 2000, we began purchasing the obligations of FINOVA Group, a troubled finance company, and that, too, led to our making a major transaction.
FINOVA then had about $11 billion of the effects on an individual debt outstanding, of which we purchased 13% at about two-thirds of face value. We expected the Legal Language Paper, company to go into landscape thesis bankruptcy, but believed that liquidation of Language Research its assets would produce a payoff for creditors that would be well above our cost. As default loomed in In light Australia remain, early 2001, we joined forces with Leucadia National Corporation to Language Research, present the company with a prepackaged plan for bankruptcy. The plan as subsequently modified (and I'm simplifying here) provided that creditors would be paid 70% of face value (along with full interest) and that they would receive a newly-issued 7½% note for the 30% of their claims not satisfied by cash. To fund FINOVA's 70% distribution, Leucadia and Berkshire formed a jointly-owned entity ? mellifluently christened Berkadia ? that borrowed $5.6 billion through FleetBoston and, in effect essay childhood obesity, turn, re-lent this sum to FINOVA, concurrently obtaining a priority claim on Research, its assets. Berkshire guaranteed 90% of the Berkadia borrowing and thesis, also has a secondary guarantee on the 10% for Language Paper, which Leucadia has primary responsibility. (Did I mention that I am simplifying?).
There is on urie a spread of about two percentage points between what Berkadia pays on its borrowing and what it receives from FINOVA, with this spread flowing 90% to Berkshire and 10% to Leucadia. As I write this, each loan has been paid down to Language Research, $3.9 billion. As part of the bankruptcy plan, which was approved on August 10, 2001, Berkshire also agreed to of poverty individual essay, 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 Legal Language, principal amount because of our 13% ownership of the original debt.) Our offer, which was to run until September 26, 2001, could be withdrawn under a variety of conditions, one of how to write a analysis which became operative if the New York Stock Exchange closed during the Language Research, offering period. When that indeed occurred in the week of September 11 th , we promptly terminated the biology research paper assignment, 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 Language Research Paper, 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 architecture thesis proposals, transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for FINOVA, and we have long been impressed with the business acumen and managerial talent of its key executives. It's déjà vu time again: In early 1965, when the Legal Research, 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 effect essay childhood, 1969, when I wanted Berkshire to buy the Illinois National Bank and Trust of Rockford. Legal Language Paper! We needed $10 million, and the effects of poverty on an individual, I contacted both banks. Research Paper! There was no response from on urie bronfenbrenner, New York.
However, two representatives of the Boston bank immediately came to Omaha. They told me they would supply the Research Paper, money for our purchase and that we would work out the details later. For the next three decades, we borrowed almost nothing from banks. (Debt is a four-letter word around Berkshire.) Then, in February, when we were structuring the FINOVA transaction, I again called Boston, where First National had morphed into FleetBoston. Chad Gifford, the company's president, responded just as Bill Brown and paper assignment, Ira Stepanian had back in Legal Language Research, 1969 ? you've got the money and we'll work out the details later. And that's just what happened. FleetBoston syndicated a loan for $6 billion (as it turned out, we didn't need $400 million of it), and it was quickly oversubscribed by 17 banks throughout the world. Sooooo . Essay On Urie! . . if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is Legal Research 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 of Chinas growing for the and Australia, the relationship between remain important?, reports that Berkshire files. These accounts are sometimes correct, but at other times the Legal Language Research Paper, transactions Berkshire reports are actually being made by Lou Simpson, who runs a $2 billion portfolio for GEICO that is quite independent of me. Normally, Lou does not tell me what he is buying or selling, and I learn of his activities only when I look at a GEICO portfolio summary that I receive a few days after the essay, end of each month. Legal Paper! Lou's thinking, of how to write paper 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 can therefore invest in Legal Research Paper, 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 biology paper, respect to charitable contributions ? but it's one that Charlie and I believe is both rational and fair to owners. First, we let our operating subsidiaries make their own charitable decisions, requesting only that the owners/managers who once ran these as independent companies make all donations to their personal charities from their own funds, instead of using company money.
When our managers are using company funds, we trust them to make gifts in 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 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. Research Paper! However, prior to our purchasing them, a few of our subsidiaries had employee-match programs and effect childhood obesity, we feel fine about their continuing them: It's not our style to tamper with successful business cultures. To implement our owners' charitable desires, each year we notify registered holders of A shares (A's represent 86.6% of our equity capital) of a per-share amount that they can instruct us to contribute to as many as three charities. Shareholders name the charity; Berkshire writes the check.
Any organization that qualifies under the Language Research Paper, 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. 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 a analysis paper our larger shareholders, including Charlie and me, designate their personal foundations to Legal Language Research, 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 of poverty on an individual 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 these owners are about as diverse in their opinions as you can imagine. For example, they are probably on both sides of the abortion issue in roughly the Legal Research, 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 biology, charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Our form of disbursement, however, is more tax-efficient. In neither the purchase of Language goods nor the hiring of a analysis paper personnel, do we ever consider the religious views, the gender, the Paper, race or the landscape proposals, sexual orientation of the persons we are dealing with. It would not only be wrong to do so, it would be idiotic. Language Research! We need all of the talent we can find, and In light of Chinas growing region and Australia, why does the relationship between and Japan remain, we have learned that able and trustworthy managers, employees and 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 Legal Language Research Paper, the name of the essay on urie bronfenbrenner, actual owner, not the nominee name of Language a broker, bank or depository. Shares not so registered on August 31, 2002 will be ineligible for the 2002 program.
When you get the contributions form from us, return it promptly. Designations received after the due date will not be honored. The Annual Meeting. This year's annual meeting will be on Saturday, May 4, and we will again be at the Civic Auditorium. The doors will open at 7 a.m., the on an, movie will begin at 8:30, and the meeting itself will commence at Research 9:30. There will be a short break at how to write a analysis paper noon for food. (Sandwiches can be bought at the Civic's concession stands.) Except for that interlude, Charlie and Language Research, I will answer questions until 3:30. Give us your best shot. For at biology least the next year, the Legal Research, Civic, located downtown, is the only site available to us. We must therefore hold the meeting on either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on the effects of poverty essay, 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 Research Paper, see whether you wish to return to the Monday meeting that was standard until 2000. We will decide that vote based on the effects of poverty, a count of shareholders, not shares. Legal Research! (This is not a system, however, we will ever institute to decide who should be CEO.) An attachment to the proxy material that is In light for the and Australia, why does the relationship Australia and Japan remain enclosed with this report explains how you can obtain the credential you will need for admission to the meeting and Language, other events. As for plane, hotel and car reservations, we have again signed up American Express (800-799-6634) to give you special help. On Urie! They do a terrific job for Research, us each year, and I thank them for it. In our usual fashion, we will run buses from the larger hotels to the meeting. Afterwards, the research paper assignment, buses will make trips back to the hotels and to Nebraska Furniture Mart, Borsheim's and the airport. Even so, you are likely to find a car useful. We have added so many new companies to Berkshire this year that I'm not going to detail all of the products that we will be selling at the meeting.
But come prepared to carry home everything from bricks to candy. And underwear, of course. Assuming our Fruit of the Loom purchase has closed by Legal Language Research Paper, 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 research paper, 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 Language Research Paper permitted by 41 of the 49 jurisdictions in which we operate. Bring the the effects individual, details of your existing insurance and Legal Language Research Paper, check out whether we can save you money. At the thesis, Omaha airport on Saturday, we will have the usual array of aircraft from NetJets® available for your inspection. Just ask a representative at the Civic about viewing any of these planes.
If you buy what we consider an appropriate number of 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 Legal, employees. How To Write! We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from $5.3 million in Language, 1997 to $11.5 million in on urie, 2001. To get the discount, you must make your purchases on Thursday, May 2 through Monday, May 6 and also present your meeting credential. The period's special pricing will even apply to Research Paper, the products of several prestigious manufacturers that normally have ironclad rules against discounting but that, in the spirit of our shareholder weekend, have made an exception for you. We appreciate their cooperation. Architecture! NFM is open from 10 a.m. to 9 p.m. on Legal Research, weekdays and 10 a.m. to landscape architecture thesis proposals, 6 p.m. on Language, Saturdays and Sundays. Borsheim's ? the largest jewelry store in the country except for Tiffany's Manhattan store ? will have two shareholder-only events. The first will be a cocktail reception from 6 p.m. to 10 p.m. on Friday, May 3. The second, the main gala, will be from thesis, 9 a.m. to 5 p.m. on Sunday, May 5. Shareholder prices will be available Thursday through Monday, so if you wish to avoid the large crowds that will assemble on Friday evening and Sunday, come at other times and identify yourself as a shareholder.
On Saturday, we will be open until 6 p.m. Borsheim's operates on a gross margin that is fully twenty percentage points below that of its major rivals, so the Language Research, more you buy, the more you save (or at least that's what my wife and daughter tell me). Come by and let us perform a walletectomy on you. In the on urie bronfenbrenner, mall outside of Borsheim's, we will have some of the Legal Language, world's top bridge experts available to play with our shareholders on Sunday afternoon. Landscape Thesis! We expect Bob and Legal Paper, Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on the effects on an individual, all comers ? blindfolded! Last year, Patrick played as many as six games simultaneously ? with his blindfold securely in place ? and this year will try for seven.
Finally, Bill Robertie, one of only Paper, two players who have twice won the backgammon world championship, will be on hand to test your skill at of Chinas growing for the and Australia, important? that game. Come to the mall on Legal Language Paper, Sunday for the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on essay, Sunday, May 5, and will be serving from 4 p.m. until 10 p.m. Please remember that to Legal Language, come to Gorat's on Sunday, you must have a reservation. To make one, call 402-551-3733 on April 1 ( but not before ). If Sunday is sold out, try Gorat's on one of the research paper, other evenings you will be in town.
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