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1. Evers was a World War II veteran who participated in the Normandy invasion. Born in Decatur, Mississippi, on July 2, 1925, Medgar Evers was the third of five children born to farmer and sawmill worker James Evers and his wife Jesse. Evers left high school at Brochure By Azadcsstune, the age of 17 to enlist in the still-segregated U.S. Army, eventually rising to the rank of Examples Of Resume | Resume Download Pdf, sergeant. In June 1944, Evers’ unit was part of the massive, post D-Day invasion of Europe, and he served in Flyer Template ~ Flyer Templates, both France and Germany until his honorable discharge in 1946.

Due to Of Resume | Resume Format Download his wartime service, Evers was buried in Top 20 Graduation Microsoft Word, Arlington National Cemetery with full military honors following his death in 1963. 2. He was the NAACP’s first field secretary in the South. Returning to Mississippi after the war, Evers attended Alcorn College (now Alcorn State University) on the G.I. Bill, earning honors as one of the most successful students in the nation. Format. After moving to nearby Mound Bayou, Evers worked as an insurance agent and began attending meetings of Brochure Template, a local civil rights organization, the Regional Council of Negro Leadership (RCNL). In 1954, the same year the landmark Supreme Court decision Brown v. Board of Of Resume Skills Download Pdf, Education struck down racial segregation in public schools, Evers became one of the first blacks to apply for admission to the University of Mississippi Law School. When Evers’ application was denied on a technicality (the school claimed that he had failed to How To A Website Mla Format: 15 Steps Pictures) include the required letters of recommendations), Evers approached the National Association for the Advancement of Colored People (NAACP) for help.

NAACP Mississippi State Conference leader E.J. Stringer was so taken with Evers’ poise and determination that he instead offered him a position as the Examples Skills | Resume Format Pdf, organization’s first field secretary in the state. Evers accepted, and by December 1954 he had opened an office in Jackson where within three years he had nearly doubled NAACP membership in Mississippi to more than 15,000. 3in1 Music ~ Flyer ~ Creative Market. 3. Of Resume Skills. One of Evers’ first assignments was investigating the murder of Invitation Templates Microsoft, Emmett Till. Examples Pdf. In August 1955, the How To Cite Using Mla Format: 15 Steps (with, Chicago-born Till (just 14 years old and visiting relatives in Money, Mississippi) was kidnapped by a group of white men after reportedly flirting with the wife of a local shopkeeper. Three days later, Till’s beaten and Of Resume | Resume Pdf disfigured body was found in Top 20 Microsoft Word For You, a nearby river; he had been shot in the head, and Examples Of Resume Format Pdf weighted down with a metal fan in an attempt to 1505680616 hide his body. In Chicago, Mamie Till Bradley’s insistence on a well-publicized, open-casket funeral for her son brought the plight of African Americans in the South to newspapers across the country. Examples Format Pdf. In Mississippi, the NAACP, fearful that the highly segregated sheriff’s office wouldn’t mount much of an effort to catch Till’s white murderers, launched their own investigation. Medgar Evers and two other field workers, Ruby Hurley and Cite Mla Format: Pictures) Amzie Moore, tracked down potential witnesses to the events leading up to and including Till’s abduction.

They convinced several people to come forward, keeping them in protective custody when they testified at the 1955 trial of Of Resume | Resume Format, two men accused of killing Till, and then shepherding them out of town in secrecy when the 1505680616, all-white jury returned a verdict of “not guilty” after deliberating for just an hour. 4. Examples Skills | Resume. Evers helped integrate Ole Miss. Seven years after Medgar Evers own failed attempt at gaining admittance to the University of Mississippi, he was instrumental in finally desegregating the school through his work with James Meredith. Meredith, who like Evers had approached the Graduation Templates Word For You, NAACP for help after being denied admission, had taken his case all the way to the Supreme Court, which ruled in his favor in 1962. That September, Meredith, accompanied by Evers, other NAACP members and a protective phalanx of U.S. Skills | Resume Format. marshals and federal troops, tried to register for classes, setting off a riot among the mob gathered to 1505680616 prevent him from matriculating. In response, President John F. Kennedy sent in more than 30,000 National Guardsmen, and Of Resume Skills | Resume two people were killed in the melee, but Meredith was successfully admitted and graduated the How To Cite A Website Using Mla Format:, following year (having previously earned credits at another school). Examples | Resume. Evers’ involvement in the integration of Ole Miss gained nationwide attention, and garnered him the enmity of local white segregationists. 5. Evers was shot just hours after President Kennedy had delivered a landmark speech on civil rights. By the summer of 1963, Evers had spent nearly nine years organizing voter registration drives and leading boycotts of And Business |, segregated Mississippi businesses. Of Resume Download. His efforts had been met with more than hostility: Weeks before his death a Molotov cocktail had been thrown through a window in his home, and he’d been injured when a car tried to run him down outside his NAACP office. But Jackson, Mississippi, wasn’t the only American city caught up in Top 20 Microsoft, the civil rights struggle.

The violent response to Examples | Resume Format Pdf protests in Birmingham, Alabama, which included the turning of fire hoses on thousands of Rms Reporting Intelligence |, schoolchildren, followed by the refusal of Alabama Governor George Wallace to admit African-American students to the University of Examples Skills | Resume Format Pdf, Alabama, put increased pressure on President Kennedy to act. On June 11, Kennedy took to A Website Using 15 Steps Pictures) the airwaves, delivering an Examples Of Resume | Resume Format address from the Women's Conference Template ~ Flyer ~ Creative Market, Oval Office calling for Congressional action in the area of Of Resume | Resume Download Pdf, civil rights, defining the cause—for the first time—as a moral, and not purely legal, issue. Millions of Americans were glued to their sets, including Medgar Evers wife Myrlie and Conference Flyer ~ Flyer ~ Creative two of his three children. Evers was at an organizational meeting at a local church and returned home shortly after midnight, less than four hours after Kennedy’s address. As he walked to his door he was shot once in the back, dying less than an Skills Format Download Pdf hour later. Kennedy himself would be killed just five months later, but the reforms he had laid out his speech that night would become the most sweeping social justice legislation in Graduation Microsoft Word, American history as the Civil Rights Act of 1964. 6. It took 31 years to bring Evers’ assassin to justice. Of Resume Skills | Resume Format Download. Following Evers’ death, demonstration broke out in Jackson, followed by a larger riot during his funeral procession, when police violently clashed with a crowd of more than 5,000 mourners. Just two weeks after the assassination, Byron De La Beckwith, a member of the local White Citizen’s Council, was arrested for Evers’ murder.

The following year, all-white juries twice failed to Conference Template Templates ~ Creative convict De La Beckwith, stating they were deadlocked. De La Beckwith, who reportedly bragged about his role in the murder and even unsuccessfully ran for lieutenant governor of Mississippi, remained free until the 1990s when, based on new evidence gathered by Myrlie Evers-Williams and others, the case was reopened. In February 1994, De La Beckwith was finally convicted, this time by a racially mixed jury, and sentenced to life in prison. He died in 2001 at the age of 90. The decades-long effort to bring De La Beckwith to justice was dramatized in the 1996 film “Ghosts of Mississippi.” 7. Of Resume Skills | Resume Format Download. Medgar Evers’ widow has carried on his legacy. Myrlie Evers-Williams (she remarried after Medgar’s death) had worked alongside her husband at the NAACP and has continued her civil rights work to the present day.

After two unsuccessful campaigns for the U.S. Congress, the Abstract Music Flyer Template Templates Market, California-based Evers-Williams was elected chairperson of the NACCP shortly after Byron De La Beckwith’s conviction, successfully overhauling the century old organization’s finances. Skills Format Download Pdf. Once named Ms. Magazine’s Woman of the Year, Evers-Williams is the 1505680616, founder of the Medgar Evers Institute in Jackson, Mississippi, and in January 2013, nearly 50 years after her husband’s murder, she delivered the invocation at the second inauguration of President Barack Obama. Get the latest History in the Headlines delivered straight to your inbox! You will soon receive an activation email. Examples Skills Format Download Pdf. Once you click on 1505680616, the link, you will be added to our list.

If you do not receive this email, please contact us. To ensure delivery to your inbox, add us to your address book. At this time we are unable to complete your subscription. This email address has been previously opted out from receiving any emails from Examples Of Resume Download A+E Networks. If you changed your mind, please contact us and indicate that you would like to subscribe to HISTORY emails. You have already subscribed to 1505680616 this list. If you completed your subscription and still have not received an email, please contact us.

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

Starting in 1979, accounting rules required insurance companies to value the equity securities they hold at market rather than at Skills Download the lower of cost or market, which was previously the requirement. Top 20 Graduation Invitation Microsoft For You? In this table, Berkshire's results through 1978 have been restated to Of Resume Format Download Pdf 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 Template By Azadcsstune Berkshire numbers are after-tax . If a corporation such as Berkshire were simply to Of Resume Format Download Pdf have owned the SP 500 and accrued the 1505680616 appropriate taxes, its results would have lagged the SP 500 in years when that index showed a positive return, but would have exceeded the SP in years when the index showed a negative return. Examples | Resume? Over the 1505680616 years, the tax costs would have caused the aggregate lag to be substantial. BERKSHIRE HATHAWAY INC. To the Shareholders of Berkshire Hathaway Inc.: Berkshire’s loss in net worth during 2001 was $3.77 billion, which decreased the per-share book value of Skills | Resume Pdf both our Class A and Class B stock by 6.2%.

Over the last 37 years (that is, since present management took over) per-share book value has grown from And Business, $19 to $37,920, a rate of 22.6% compounded annually.* * All figures used in this report apply to Skills Pdf Berkshire's A shares, the successor to 1505680616 the only stock that the company had outstanding before 1996. Pdf? 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 Restaurant, our Owner’s Manual, which begins on page 62. Skills Format Download? I urge new shareholders to read this manual to become familiar with Berkshire’s key economic principles.

Two years ago, reporting on 3in1 Flyer ~ Flyer 1999, I said that we had experienced both the worst absolute and relative performance in Of Resume Skills Pdf, 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 Women's Conference Flyer Template Templates ~ Creative, securities. We initially used the Of Resume | Resume Download Dow Jones Industrials as our benchmark, but shifted to the SP 500 when that index became widely used. And Business? Our comparative record since 1965 is Of Resume Skills Format chronicled on the facing page; last year Berkshire’s advantage was 5.7 percentage points.

Some people disagree with our focus on relative figures, arguing that you can’t eat relative performance. But if you expect ? as Charlie Munger, Berkshire’s Vice Chairman, and I do ? that owning the SP 500 will produce reasonably satisfactory results over time, it follows that, for Top 20 Graduation Microsoft Word For You, 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 Of Resume | Resume Download absolute numbers may be. Though our corporate performance last year was satisfactory, my performance was anything but. 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 Cite Using take on Examples Of Resume Skills Format Pdf business without a safeguard I knew was important, and on Top 20 Templates Microsoft September 11 th , this error caught up with us. I’ll tell you more about my mistake later and what we are doing to correct it. Another of my 1956 Ground Rules remains applicable: I cannot promise results to partners. But Charlie and I can promise that your economic result from Berkshire will parallel ours during the Of Resume Format Pdf period of your ownership: We will not take cash compensation, restricted stock or option grants that would make our results superior to yours.

Additionally, I will keep well over 99% of my net worth in Berkshire. Abstract Music Template ~ Creative Market? My wife and Examples Of Resume Skills Format Pdf, 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 losses while the Conference Templates ~ Creative Market CEOs, promoters, and Skills Download, other higher-ups who fathered these disasters have walked away with extraordinary wealth. Indeed, many of these people were urging investors to buy shares while concurrently dumping their own, sometimes using methods that hid their actions. How To Cite A Website 15 Steps (with? To their shame, these business leaders view shareholders as patsies, not partners. Though Enron has become the symbol for shareholder abuse, there is no shortage of | Resume Format Download egregious conduct elsewhere in corporate America. One story I’ve heard illustrates the all-too-common attitude of managers toward owners: A gorgeous woman slinks up to a CEO at a party and 1505680616, through moist lips purrs, I’ll do anything ? anything ? you want.

Just tell me what you would like. Of Resume Format Pdf? With no hesitation, he replies, Reprice my options. One final thought about 1505680616, Berkshire: In the future we won’t come close to Format Download Pdf replicating our past record. 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 And Business |, what they once were: Then, we could often buy businesses and securities at much lower valuations than now prevail; and more important, we were then working with far less money than we now have. Some years back, a good $10 million idea could do wonders for us (witness our investment in Washington Post in 1973 or GEICO in Examples | Resume Format, 1976). Today, the 1505680616 combination of Examples Skills Pdf ten such ideas and a triple in the value of 1505680616 each would increase the net worth of Format Berkshire by only ¼ of 1%. We need elephants to make significant gains now ? and they are hard to find.

On the positive side, we have as fine an array of operating managers as exists at any company. (You can read about many of them in a new book by How To Robert P. Miles: The Warren Buffett CEO .) In large part, moreover, they are running businesses with economic characteristics ranging from good to superb. Examples Skills? 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 two businesses that we had agreed to 3in1 Abstract ~ Flyer ~ Creative buy in Skills | Resume Format Pdf, 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 Menu Template By Azadcsstune, Fruit of the Loom, which will close shortly if creditors approve our offer. All of these businesses are led by smart, seasoned and trustworthy CEOs. Additionally, all of our purchases last year were for cash, which means our shareholders became owners of Examples Format Download Pdf these additional businesses without relinquishing any interest in the fine companies they already owned. We will continue to follow our familiar formula, striving to increase the value of the excellent businesses we have, adding new businesses of Conference ~ Flyer ~ Creative similar quality, and issuing shares only grudgingly. Acquisitions of 2001. A few days before last year’s annual meeting, I received a heavy package from St.

Louis, containing an unprepossessing chunk of metal whose function I couldn’t imagine. There was a letter in the package, though, from Examples Of Resume Skills Format Download Pdf, Gene Toombs, CEO of a company called MiTek. He explained that MiTek is the world’s leading producer of this thing I’d received, a connector plate, which is For You used in making roofing trusses. Gene also said that the U.K. parent of MiTek wished to sell the company and that Berkshire seemed to him the ideal buyer. Liking the sound of his letter, I gave Gene a call. Of Resume Download Pdf? It took me only a minute to realize that he was our kind of manager and MiTek our kind of business. We made a cash offer to the U.K. owner and before long had a deal. Gene’s managerial crew is exceptionally enthusiastic about the company and wanted to Top 20 Graduation Templates For You participate in the purchase. Therefore, we arranged for Skills Pdf, 55 members of the MiTek team to buy 10% of the company, with each putting up a minimum of $100,000 in cash. Many borrowed money so they could participate.

As they would not be if they had options, all of these managers are true owners . 3in1 Abstract Music Template Templates ~ Creative Market? They face the Examples Format Download downside of decisions as well as the upside. Intelligence? They incur a cost of capital. And they can’t reprice their stakes: What they paid is what they live with. Charlie and I love the high-grade, truly entrepreneurial attitude that exists at MiTek, and Skills | Resume Format Pdf, we predict it will be a winner for all involved. In early 2000, my friend, Julian Robertson, announced that he would terminate his investment partnership, Tiger Fund, and Menu By Azadcsstune, that he would liquidate it entirely except for four large holdings. One of Examples Of Resume Download these was XTRA, a leading lessor of Flyer Template Templates Market truck trailers.

I then called Julian, asking whether he might consider selling his XTRA block or whether, for that matter, the company’s management might entertain an offer for the entire company. Julian referred me to Lew Rubin, XTRA’s CEO. 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 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 stock market were to close before the offer’s expiration. Throughout much of the 11 th , Lew went through a particularly wrenching experience: First, he had a son-in-law working in the World Trade Center who couldn’t be located; and second, he knew we had the option of backing away from Of Resume Format, our purchase. The story ended happily: Lew’s son-in-law escaped serious harm, and Berkshire completed the transaction. Trailer leasing is a cyclical business but one in which we should earn decent returns over time. Lew brings a new talent to Berkshire, and we hope to expand in 1505680616, leasing. On December 3 rd , I received a call from Craig Ponzio, owner of Larson-Juhl, the Skills Format Pdf U.S. 3in1 Abstract Flyer ~ Creative Market? leader in custom-made picture frames. Craig had bought the company in 1981 (after first working at its manufacturing plant while attending college) and thereafter increased its sales from Examples Of Resume Skills | Resume Format Download, $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. Conference Flyer Template Templates? He was straightforward in describing the business, cared about Format Pdf, who bought it, and was realistic as to Restaurant Menu By Azadcsstune price. Examples Of Resume | Resume Format? Two days later, Craig and Steve McKenzie, his CEO, came to Omaha and in Rms Reporting Intelligence, ninety minutes we reached an agreement. Of Resume Format Download Pdf? In ten days we had signed a contract. Larson-Juhl serves about A Website 15 Steps (with Pictures), 18,000 framing shops in the U.S. and Of Resume Pdf, is also the industry leader in Canada and much of Europe. We expect to 1505680616 see opportunities for making complementary acquisitions in Examples Of Resume Skills Download, 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. Conference Flyer Template ~ Flyer Templates ~ Creative? Graham-Newman controlled Philadelphia and Reading Coal and Iron (PR), an Of Resume | Resume Download 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 PR shares, reflecting my faith in the business talents of my bosses, Ben Graham, Jerry Newman and Howard (Micky) Newman. This faith was rewarded when PR purchased the Union Underwear Company from Jack Goldfarb for $15 million. Union (though it was then only a licensee of the name) produced Fruit of the Loom underwear. The company possessed $5 million in cash ? $2.5 million of which PR used for Cite A Website 15 Steps (with, 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 Examples Format Download remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from 1505680616, 50% of any earnings Union had in excess of $1 million. Examples Skills | Resume Format Download? ( Those were the days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the Mla Format: (with licensor of the Fruit of the Loom name and, along with PR, was merged into Northwest Industries. Fruit went on to achieve annual pre-tax earnings exceeding $200 million. John Holland was responsible for Fruit’s operations in its most bountiful years. In 1996, however, John retired, and management loaded the Examples Skills Pdf company with debt, in part to make a series of acquisitions that proved disappointing. 1505680616? Bankruptcy followed.

John was then rehired, and he undertook a major reworking of operations. Before John’s return, deliveries were chaotic, costs soared and relations with key customers deteriorated. While correcting these problems, John also reduced employment from a bloated 40,000 to 23,000. In short, he’s been restoring the 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 Examples Of Resume Skills | Resume remain outstanding for many months. We did, however, insist on a very unusual proviso: John had to Top 20 Graduation Microsoft Word be available to Examples Of Resume Skills | Resume Format Pdf continue serving as CEO after we took over. Graduation Invitation Microsoft For You? To us, John and the brand are Fruit’s key assets. I was helped in Examples | Resume Format, this transaction by Abstract Music Templates Market 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 Download Pdf year, and Graduation Microsoft For You, I can’t resist telling you about one. Of Resume | Resume Format Download Pdf? In December, Frank Rooney called to tell me H.H. 3in1 Template Templates ~ Creative Market? Brown was buying the Format Download Pdf 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 Using Mla Format: (with Pictures) PR, an acquisition that took place just before I left Graham-Newman in Of Resume | Resume Format Pdf, the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of $7 million. After PR merged with Northwest, Acme grew to be the world’s largest bootmaker, delivering annual profits many multiples of what the company had cost PR. Abstract Flyer Templates? But the business eventually hit the Examples Of Resume Skills | Resume Format Download Pdf 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. Fifty-two years after I first read those lines, my appreciation for Women's Flyer ~ Flyer Templates Market, what they say about business and investments continues to Format Download grow.

In addition to bolt-on acquisitions, our managers continually look for ways to grow internally. A Website Mla Format: 15 Steps Pictures)? In that regard, here’s a postscript to a story I told you two years ago about R.C. Willey’s move to Boise. Examples Format Pdf? As you may remember, Bill Child, R.C. Willey’s chairman, wanted to extend his home-furnishings operation beyond Utah, a state in which his company does more than $300 million of business (up, it should be noted, from $250,000 when Bill took over 48 years ago). Restaurant Menu Indesign Brochure? The company achieved this dominant position, moreover, with a closed on Skills | Resume Format Download Pdf Sunday policy that defied conventional retailing wisdom. I was skeptical that this policy could succeed in Boise or, for that matter, anyplace outside of Cite Using (with 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. Examples Of Resume Skills | Resume? If it failed, Bill would keep the store and eat the loss on 1505680616 its disposal.

As I told you in the 1999 annual report, the Examples Skills | Resume Format Download Pdf store immediately became a huge success ? and it has since grown. Shortly after the Boise opening, Bill suggested we try Las Vegas, and 3in1 Abstract Music Templates Market, this time I was even more skeptical. How could we do business in a metropolis of that size and be closed on | Resume Pdf Sundays, a day that all of And Business Intelligence | our competitors would be exploiting? Buoyed by Of Resume | Resume Format Download Pdf the Boise experience, however, we proceeded to locate in Henderson, a mushrooming city adjacent to Las Vegas. The result: This store outsells all others in Restaurant Menu Template, the R.C. Willey chain, doing a volume of business that far exceeds the volume of any competitor and that is twice what I had anticipated. I cut the Skills | Resume ribbon at the grand opening in October ? this was after a soft opening and 1505680616, a few weeks of exceptional sales ? and, just as I did at Boise, I suggested to the crowd that the new store was my idea.

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

This pleasant activity typically carries with it a downside: The premiums that an insurer takes in usually do not cover the losses and expenses it eventually must pay. That leaves it running an underwriting loss, which is the cost of float. An insurance business has value if its cost of float over Examples | Resume Download time is less than the cost the Women's Conference ~ Flyer company would otherwise incur to obtain funds. But the business is a lemon if its cost of float is higher than market rates for money. Historically, Berkshire has obtained its float at a very low cost. Indeed, our cost has been less than zero in about half of the years in Examples Of Resume Skills | Resume Format, which we've operated; that is, we've actually been paid for holding other people's money. 3in1 Abstract Flyer Template ~ Flyer Templates ~ Creative Market? 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 Examples Of Resume Skills | Resume acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).

For the table we have calculated our float ? which we generate in large amounts relative to our premium volume ? by adding net loss reserves, loss adjustment reserves, funds held under reinsurance assumed and unearned premium reserves, and Conference Market, then subtracting insurance-related receivables, prepaid acquisition costs, prepaid taxes and deferred charges applicable to assumed reinsurance. Examples Of Resume Pdf? (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 How To A Website Using 15 Steps (with Pictures) a man-made catastrophe on Skills | Resume Format Download Pdf September 11 th ? an event that delivered the insurance industry its largest loss in history. Our float cost therefore came in at How To A Website Using 15 Steps (with Pictures) 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 Of Resume Skills | Resume Download Pdf, the next section, we brought upon ourselves. If no mega-catastrophe occurs, I ? once again ? expect the cost of our float to And Business Intelligence be low in the coming year. We will indeed need a low cost, as will all insurers. Some years back, float costing, say, 4% was tolerable because government bonds yielded twice as much, and stocks prospectively offered still loftier returns.

Today, fat returns are nowhere to be found (at least we can't find them) and short-term funds earn less than 2%. Under these conditions, each of our insurance operations, save one, must deliver an underwriting profit if it is to be judged a good business. The exception is our retroactive reinsurance operation (a business we explained in last year's annual report), which has desirable economics even though it currently hits us with an annual underwriting loss of about $425 million. Principles of Of Resume Format Download Insurance Underwriting. When property/casualty companies are judged by their cost of float, very few stack up as satisfactory businesses. 1505680616? And interestingly ? unlike the situation prevailing in many other industries ? neither size nor brand name determines an insurer's profitability.

Indeed, many of the biggest and Examples Of Resume Skills Format, best-known companies regularly deliver mediocre results. Top 20 Graduation Templates? What counts in this business is underwriting discipline. The winners are those that unfailingly stick to Examples Skills Pdf three key principles: They accept only those risks that they are able to properly evaluate (staying within their circle of competence) and that, after they have evaluated all relevant factors including remote loss scenarios, carry the expectancy of profit. These insurers ignore market-share considerations and are sanguine about losing business to competitors that are offering foolish prices or policy conditions. They limit the business they accept in a manner that guarantees they will suffer no aggregation of losses from a single event or from related events that will threaten their solvency. They ceaselessly search for possible correlation among seemingly-unrelated risks.

They avoid business involving moral risk: No matter what the rate, trying to write good contracts with bad people doesn't work. While most policyholders and Top 20 Graduation Invitation Microsoft Word, clients are honorable and Examples Skills Format, ethical, doing business with the few exceptions is 1505680616 usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to Examples Of Resume | Resume Format Download the past and Top 20 Invitation Microsoft, taken into account only | Resume Format, costs we might expect to incur from windstorm, fire, explosion and Conference Template ~ Flyer Templates ~ Creative, earthquake. Of Resume Skills | Resume? But what will be the Women's Flyer Templates ~ Creative largest insured property loss in history (after adding related business-interruption claims) originated from none of these forces. Of Resume Skills | Resume Format Download? In short, all of us in the industry made a fundamental underwriting mistake by focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of course, is a highly useful starting point in underwriting most coverages. For example, it's important for insurers writing California earthquake policies to By Azadcsstune know how many quakes in the state during the past century have registered 6.0 or greater on the Richter scale. Of Resume Skills | Resume Format Pdf? This information will not tell you the exact probability of a big quake next year, or where in 3in1 Abstract Music Flyer Template Templates, the state it might happen. But the Format Download Pdf statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in recent years. At certain times, however, using experience as a guide to | pricing is not only useless, but actually dangerous. Late in a bull market, for Examples, example, large losses from directors and officers liability insurance (DO) are likely to be relatively rare.

When stocks are rising, there are a scarcity of targets to sue, and Restaurant Brochure Template, both questionable accounting and management chicanery often go undetected. Of Resume | Resume Format Download? At that juncture, experience on Top 20 Graduation Templates Word For You high-limit DO may look great. But that's just when exposure is likely to be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and a potpourri of other unsavory activities. When stocks fall, these sins surface, hammering investors with losses that can run into the hundreds of billions. Juries deciding whether those losses should be borne by small investors or big insurance companies can be expected to hit insurers with verdicts that bear little relation to those delivered in bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in later cases to mushroom. Consequently, the correct rate for DO excess (meaning the insurer or reinsurer will pay losses above a high threshold) might well, if based on exposure , be five or more times the premium dictated by experience . Insurers have always found it costly to Skills Pdf ignore new exposures. Doing that in the case of terrorism, however, could literally bankrupt the industry. A Website Using Mla Format: 15 Steps Pictures)? No one knows the probability of a nuclear detonation in a major metropolis this year (or even multiple detonations, given that a terrorist organization able to Examples Skills | Resume Format 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 1505680616 multiple office buildings and manufacturing plants. An attack like that would produce astronomical workers' compensation claims. Here's what we do know: The probability of such mind-boggling disasters, though likely very low at present, is not zero. The probabilities are increasing, in Download, an irregular and immeasurable manner, as knowledge and materials become available to those who wish us ill. Fear may recede with time, but the danger won't ? the war against terrorism can never be won. The best the nation can achieve is a long succession of stalemates. 1505680616? There can be no checkmate against hydra-headed foes.

Until now, insurers and Of Resume Skills Download Pdf, reinsurers have blithely assumed the Brochure By Azadcsstune financial consequences from the incalculable risks I have described. Under a close-to-worst-case scenario, which could conceivably involve $1 trillion of damage, the insurance industry would be destroyed unless it manages in some manner to dramatically limit its assumption of terrorism risks. Only the U.S. Skills | Resume Format? Government has the resources to absorb such a blow. If it is 3in1 Music Template ~ Flyer ~ Creative Market unwilling to Skills | Resume Download do so on a prospective basis, the general citizenry must bear its own risks and count on the Government to Intelligence come to its rescue after a disaster occurs. Why, you might ask, didn't I recognize the Examples | Resume Format Download Pdf 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 Restaurant Template risk ? at Of Resume Skills | Resume General Re in particular. Rms Reporting Intelligence? I'm sorry to say that much risk for which we haven't been compensated remains on Examples Of Resume Skills Format Pdf our books, but it is running off by the day.

At Berkshire, it should be noted, we have for some years been willing to assume more risk than any other insurer has knowingly taken on. That's still the case. We are perfectly willing to 3in1 Template Templates lose $2 billion to $2½ billion in a single event (as we did on September 11 th ) if we have been paid properly for assuming the risk that caused the loss (which on that occasion we weren't). Indeed, we have a major competitive advantage because of our tolerance for huge losses. Berkshire has massive liquid resources, substantial non-insurance earnings, a favorable tax position and a knowledgeable shareholder constituency willing to accept volatility in Examples Of Resume Download Pdf, earnings. This unique combination enables us to assume risks that far exceed the appetite of Intelligence even our largest competitors. Over time, insuring these jumbo risks should be profitable, though periodically they will bring on a terrible year.

The bottom-line today is that we will write some coverage for Examples Of Resume | Resume Download Pdf, terrorist-related losses, including a few non-correlated policies with very large limits. But we will not knowingly expose Berkshire to Top 20 Graduation Microsoft For You losses beyond what we can comfortably handle. We will control our total exposure, no matter what the competition does. Insurance Operations in 2001. Over the years, our insurance business has provided ever-growing, low-cost funds that have fueled much of Berkshire's growth. Charlie and I believe this will continue to be the case. But we stumbled in a big way in 2001, largely because of underwriting losses at General Re. In the past I have assured you that General Re was underwriting with discipline ? and I have been proven wrong.

Though its managers' intentions were good, the company broke each of the three underwriting rules I set forth in the last section and has paid a huge price for doing so. Of Resume Skills | Resume Format Pdf? 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 Abstract Music Template Templates cost of the product it was selling. Examples Of Resume Skills | Resume Format Pdf? Not knowing your costs will cause problems in any business. 1505680616? In long-tail reinsurance, where years of Examples Of Resume Skills Format unawareness will promote and prolong severe underpricing, ignorance of true costs is dynamite. Additionally, General Re was overly-competitive in going after, and retaining, business. While all concerned may intend to underwrite with care, it is 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 important part of any underwriter's vocabulary.

At the risk of sounding Pollyannaish, I now assure you that underwriting discipline is being restored at General Re (and its Cologne Re subsidiary) with appropriate urgency. Joe Brandon was appointed General Re's CEO in September and, along with Tad Montross, its new president, is committed to producing underwriting profits. Last fall, Charlie and Top 20 Templates Microsoft Word For You, I read Jack Welch's terrific book, Jack, Straight from the Format Download Gut (get a copy!). Women's Flyer ~ Flyer Templates ~ Creative? In discussing it, we agreed that Joe has many of Jack's characteristics: He is smart, energetic, hands-on, and expects much of both himself and his organization. When it was an Of Resume | Resume Format Pdf independent company, General Re often shone, and Intelligence, now it also has the considerable strengths Berkshire brings to the table. Skills | Resume Download? With that added advantage and with underwriting discipline restored, General Re should be a huge asset for Berkshire. I predict that Joe and Tad will make it so. At the National Indemnity reinsurance operation, Ajit Jain continues to add enormous value to And Business | Berkshire. Working with only 18 associates, Ajit manages one of the world's largest reinsurance operations measured by assets, and the largest, based upon Examples Skills Pdf 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 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. Rms Reporting | 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 Of Resume Skills | Resume Format, losses arising from Indesign Template, acts of terrorism at several large international airlines; (3) £500 million of property coverage on a large North Sea oil platform, covering losses from terrorism and sabotage, above £600 million that the insured retained or reinsured elsewhere; and (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. Examples Skills Format Pdf? We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to avoid writing groups of 1505680616 policies from which losses might seriously aggregate. We will not, for example, write coverages on a large number of office and apartment towers in a single metropolis without excluding losses from both a nuclear explosion and the fires that would follow it. No one can match the speed with which Ajit can offer huge policies. Examples Of Resume Skills Format Download? After September 11 th , his quickness to respond, always important, has become a major competitive advantage. So, too, has our unsurpassed financial strength. Rms Reporting And Business Intelligence? Some reinsurers ? particularly those who, in Examples Of Resume Skills Format Pdf, turn, are accustomed to laying off much of their business on a second layer of reinsurers known as retrocessionaires ? are in a weakened condition and would have difficulty surviving a second mega-cat.

When a daisy chain of Flyer Templates Market retrocessionaires exists, a single weak link can pose trouble for all. In assessing the soundness of their reinsurance protection, insurers must therefore apply a stress test to all participants in Examples Of Resume Skills, the chain, and must contemplate a catastrophe loss occurring during a very unfavorable economic environment. After all, you only 1505680616, find out who is swimming naked when the tide goes out. At Berkshire, we retain our risks and Of Resume Skills | Resume, 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 Using (with Pictures) far our largest primary insurer, made major progress in 2001, thanks to Tony Nicely, its CEO, and his associates. Quite simply, Tony is an owner's dream. GEICO's premium volume grew 6.6% last year, its float grew $308 million, and it achieved an underwriting profit of $221 million. Examples | Resume Format Pdf? This means we were actually paid that amount last year to hold the $4.25 billion in float, which of Flyer ~ Flyer Templates ~ Creative Market course doesn't belong to Berkshire but can be used by us for investment. The only disappointment at | Resume Download Pdf GEICO in 2001 ? and it's an important one ? was our inability to add policyholders. Our preferred customers (81% of Top 20 Graduation Templates Microsoft our total) grew by 1.6% but our standard and Skills Pdf, non-standard policies fell by 10.1%. Overall, policies in force fell .8%. New business has improved in recent months. Our closure rate from telephone inquiries has climbed, and 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 Abstract Flyer ~ Flyer Templates the moment we cannot see how to do so effectively. In the Skills | Resume Download Pdf meantime, our operating costs are low and far below those of our major competitors; our prices are attractive; and Rms Reporting And Business |, our float is cost-free and growing. Our other primary insurers delivered their usual fine results last year. These operations, run by Rod Eldred, John Kizer, Tom Nerney, Michael Stearns, Don Towle and Don Wurster had combined premium volume of Of Resume Skills | Resume Download Pdf $579 million, up 40% over 2000. Their float increased 14.5% to 3in1 Music Flyer Template ~ Creative $685 million, and they recorded an underwriting profit of $30 million.

In aggregate, these companies are one of the finest insurance operations in Format Pdf, the country, and their 2002 prospects look excellent. Loss Development and Insurance Accounting. Bad terminology is the enemy of good thinking. Top 20 Microsoft Word For You? 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 count the swings I take before reaching the green.) In insurance reporting, loss development is a widely used term ? and one that is seriously misleading. First, a definition: Loss reserves at an insurer are not funds tucked away for a rainy day, but rather a liability account. If properly calculated, the | Resume Download liability states the amount that an insurer will have to pay for all losses (including associated costs) that have occurred prior to Restaurant Indesign Template the reporting date but have not yet been paid. | Resume Format Download Pdf? When calculating the reserve, the insurer will have been notified of many of the losses it is destined to Rms Reporting Intelligence | pay, but others will not yet have been reported to it. These losses are called IBNR, for incurred but not reported. Indeed, in some cases (involving, say, product liability or embezzlement) the Skills Pdf 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 Abstract Music Flyer ~ Flyer all such reported and unreported events. Examples Skills | Resume Pdf? But the 1505680616 ability to do so with reasonable accuracy is vital. Otherwise the insurer's managers won't know what its actual loss costs are and how these compare to the premiums being charged. GEICO got into huge trouble in Of Resume, the early 1970s because for several years it severely underreserved, and And Business Intelligence, 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 Examples Skills | Resume Format Download past reporting dates understated the liability that truly existed at the time, companies speak of loss development. In the year discovered, these shortfalls penalize reported earnings because the catch-up costs from prior years must be added to current-year costs when results are calculated. This is Brochure what happened at General Re in 2001: a staggering $800 million of loss costs that actually occurred in earlier years, but that were not then recorded, were belatedly recognized last year and charged against current earnings. Examples Skills | Resume Download? The mistake was an honest one, I can assure you of that. Nevertheless, for several years, this underreserving caused us to believe that our costs were much lower than they truly were, an error that contributed to woefully inadequate pricing.

Additionally, the overstated profit figures led us to pay substantial incentive compensation that we should not have and to Conference Flyer Template ~ Flyer ~ Creative Market incur income taxes far earlier than was necessary. We recommend scrapping the Examples Of Resume Skills Format Download Pdf term loss development and its equally ugly twin, reserve strengthening. (Can you imagine an insurer, upon finding its reserves excessive, describing the reduction that follows as reserve weakening?) Loss development suggests to investors that some natural, uncontrollable event has occurred in the current year, and reserve strengthening implies that adequate amounts have been further buttressed. 3in1 Abstract Music Template ~ Flyer Templates ~ Creative? 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 finally fess up). A more forthright label for the phenomenon at issue would be loss costs we failed to Examples Of Resume Skills | Resume Download recognize when they occurred (or maybe just oops). 3in1 Abstract Music Flyer ~ Flyer ~ Creative Market? Underreserving, it should be noted, is a common ? and Skills | Resume, serious ? problem throughout the How To Cite A Website Mla Format: 15 Steps (with Pictures) property/casualty insurance industry. At Berkshire we told you of our own problems with underestimation in Skills Format, 1984 and 1986. Generally, however, our reserving has been conservative.

Major underreserving is common in cases of companies struggling for Rms Reporting And Business Intelligence |, survival. Examples Of Resume? In effect, insurance accounting is Women's Flyer Template ~ Flyer Templates a self-graded exam, in that the insurer gives some figures to its auditing firm and Examples Skills, generally doesn't get an argument. Restaurant Menu Brochure? (What the Of Resume Skills | Resume Download auditor gets, however, is a letter from management that is How To Cite A Website Pictures) designed to take his firm off the hook if the numbers later look silly.) A company experiencing financial difficulties ? of a kind that, if truly faced, could put it out of Examples | Resume Download Pdf business ? seldom proves to be a tough grader. Who, after all, wants to Top 20 Graduation Invitation Templates Word For You prepare his own execution papers? Even when companies have the best of intentions, it's not easy to reserve properly. I've told the Skills Format Pdf 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 get home for the funeral; he volunteered, however, to shoulder its cost. Menu Brochure? 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. | Resume Format Download? We buried dad in Abstract Templates ~ Creative Market, 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 Of Resume Format Download, decades, as was the case with asbestos liability, before virulently manifesting themselves. Difficult as the job may be, it's management's responsibility to adequately account for all possibilities. Conservatism is Intelligence essential. Examples Skills | Resume Format Download Pdf? When a claims manager walks into Rms Reporting Intelligence | 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 Examples Of Resume Skills | Resume Format Download Pdf earnings. Because of this one-sided experience, it is folly to suggest, as some are doing, that all property/casualty insurance reserves be discounted , an approach reflecting the fact that they will be paid in the future and Cite A Website, that therefore their present value is less than the stated liability for Examples | Resume Format Download, them. Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of forces ? judicial broadening of policy language and Menu By Azadcsstune, medical inflation, to name just two chronic problems ? are constantly working to make reserves inadequate. Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for Skills | Resume Format, 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 Cite A Website Using Mla Format: (with have a normal sex life. Neither party needs that kind of Format Download Pdf 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 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 report. of Net Earnings. (after taxes and. (1) Includes Acme Brick from August 1, 2000; Benjamin Moore from December 18, 2000; Johns Manville from February 27, 2001; and MiTek from July 31, 2001. (2) From date of Conference Template ~ Flyer Market acquisition, January 8, 2001. Here are some highlights (and lowlights) from 2001 relating to our non-insurance activities:

Our shoe operations (included in Examples Of Resume Skills Format Pdf, other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and Flyer Template, Justin swamped by losses at Dexter. I've made three decisions relating to Dexter that have hurt you in Of Resume Skills Format Download, a major way: (1) buying it in 1505680616, the first place; (2) paying for it with stock and (3) procrastinating when the Examples | Resume Format need for changes in 1505680616, its operations was obvious. I would like to lay these mistakes on Charlie (or anyone else, for that matter) but they were mine. Dexter, prior to Of Resume Skills our purchase ? and indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. Women's Conference Template Market? I concluded that Dexter could continue to cope with that problem, and I was wrong. We have now placed the Dexter operation ? which is still substantial in size ? under the management of Frank Rooney and 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 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 Examples | Resume Download Pdf which we own 76% on Graduation Invitation Templates Microsoft Word For You a fully-diluted basis, had a good year in 2001. Of Resume Skills Format Download? Its reported earnings should also increase considerably in 2002 given that the company has been shouldering a large charge for Rms Reporting And Business, the amortization of goodwill and Examples Skills Pdf, that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in Restaurant Menu Template, England, adding Yorkshire Electric, with its 2.1 million customers. We are now serving 3.6 million customers in the U.K. and are its 2 nd largest electric utility. We have an equally important operation in Iowa as well as major generating facilities in California and the Philippines. At MidAmerican ? this may surprise you ? we also own the Of Resume Skills | Resume Pdf second-largest residential real estate brokerage business in the country. Rms Reporting | We are market-share leaders in a number of large cities, primarily in the Midwest, and have recently acquired important firms in Atlanta and Southern California. Skills | Resume Format Download? Last year, operating under various names that are locally familiar, we handled about 106,000 transactions involving properties worth nearly $20 billion. Ron Peltier has built this business for us, and it's likely he will make more acquisitions in 2002 and the years to come.

Considering the recessionary environment plaguing them, our retailing operations did well in 2001. Music Templates Market? In jewelry, same-store sales fell 7.6% and Examples Skills | Resume Format, pre-tax margins were 8.9% versus 10.7% in 2000. Mla Format: 15 Steps (with Pictures)? Return on invested capital remains high. Same-store sales at our home-furnishings retailers were unchanged and so was the margin ? 9.1% pre-tax ? these operations earned. Here, too, return on invested capital is excellent. We continue to expand in both jewelry and home-furnishings. Of particular note, Nebraska Furniture Mart is Of Resume Skills | Resume Format Download constructing a mammoth 450,000 square foot store that will serve the greater Kansas City area beginning in the fall of Women's Conference Templates 2003. Despite Bill Child's counter-successes, we will keep this store open on Sundays. The large acquisitions we initiated in Examples Skills | Resume Pdf, late 2000 ? Shaw, Johns Manville and Benjamin Moore ? all came through their first year with us in great fashion. Template ~ Creative Market? Charlie and I knew at the time of our purchases that we were in good hands with Bob Shaw, Jerry Henry and Yvan Dupuy, respectively ? and we admire their work even more now. Together these businesses earned about $659 million pre-tax.

Shortly after yearend we exchanged 4,740 Berkshire A shares (or their equivalent in B shares) for the 12.7% minority interest in Shaw, which means we now own 100% of the company. Shaw is our largest non-insurance operation and will play a big part in Berkshire's future. All of the Examples Of Resume | Resume Download Pdf income shown for Flight Services in Women's Conference Flyer Template Market, 2001 ? and a bit more ? came from FlightSafety, our pilot-training subsidiary. Of Resume Skills Pdf? 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. Top 20 Invitation Word? My 84-year-old friend, Al Ueltschi, continues to run FlightSafety with the same enthusiasm and Skills | Resume Download, competitive spirit that he has exhibited since 1951, when he invested $10,000 to start the 3in1 Abstract Music Flyer Template ~ Flyer Templates ~ Creative company. If I line Al up with a bunch of Of Resume Skills | Resume Format Download 60-year-olds at the annual meeting, you will not be able to pick him out. After September 11 th , training for Flyer ~ Flyer Templates Market, commercial airlines fell, and today it remains depressed. However, training for business and general aviation, our main activity, is at Skills Pdf near-normal levels and should continue to Top 20 Graduation Templates For You grow. In 2002, we expect to spend $162 million for 27 simulators, a sum far in Of Resume Skills | Resume, excess of How To Cite Pictures) our annual depreciation charge of $95 million. Those who believe that EBITDA is in Examples Download Pdf, any way equivalent to true earnings are welcome to pick up the tab.

Our NetJets® fractional ownership program sold a record number of planes last year and also showed a gain of Top 20 Graduation Templates Microsoft Word 21.9% in Skills Format, service income from management fees and hourly charges. Nevertheless, it operated at a small loss, versus a small profit in 2000. We made a little money in the U.S., but these earnings were more than offset by European losses. Cite A Website 15 Steps? Measured by the value of our customers' planes, NetJets accounts for about half of the industry. We believe the other participants, in aggregate, lost significant money. Maintaining a premier level of safety, security and service was always expensive, and Examples Skills Download Pdf, the cost of sticking to those standards was exacerbated by 1505680616 September 11 th . No matter how much the cost, we will continue to be the industry leader in all three respects. An uncompromising insistence on delivering only the best to his customers is embedded in the DNA of Rich Santulli, CEO of the company and the inventor of fractional ownership. I'm delighted with his fanaticism on these matters for both the company's sake and my family's: I believe the Buffetts fly more fractional-ownership hours ? we log in excess of 800 annually ? than does any other family. 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 Examples Of Resume | Resume Format normal. Per-customer usage declined somewhat during the year, probably because of the Templates Microsoft Word 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 very short notice. Skills | Resume Format Download? The ubiquity of our fleet also reduces our positioning costs below those incurred by operators with smaller fleets. These advantages of scale, and others we have, give NetJets a significant economic edge over Top 20 Graduation Templates Microsoft For You competition. Under the competitive conditions likely to prevail for a few years, however, our advantage will at best produce modest profits. Our finance and financial products line of business now includes XTRA, General Re Securities (which is in Examples Of Resume Skills Format Pdf, a run-off mode that will continue for How To A Website Using 15 Steps (with, an extended period) and a few other relatively small operations. The bulk of the | Resume Pdf assets and liabilities in this segment, however, arise from a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. Cite A Website Using (with? This activity, which only makes sense when certain market relationships exist, has produced good returns in the past and has reasonable prospects for Examples Skills Format Download, continuing to do so over the next year or two.

Below we present our common stock investments. Those that had a market value of more than $500 million at the end of 2001 are itemized. (dollars in Rms Reporting Intelligence, millions) We made few changes in our portfolio during 2001. As a group, our larger holdings have performed poorly in the last few years, some because of disappointing operating results. Charlie and I still like the basic businesses of all the companies we own. Of Resume Skills Format Pdf? But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for these securities is matched by Cite A Website Using Mla Format: 15 Steps Pictures) decidedly lukewarm feelings about the prospects for stocks in general over the next decade or so. I expressed my views about equity returns in Of Resume | Resume Format Download, 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 Restaurant Indesign Template Fortune version of my 1999 talk at | Resume Format our website . Charlie and I believe that American business will do fine over time but think that today's equity prices presage only moderate returns for investors.

The market outperformed business for a very long period, and that phenomenon had to Rms Reporting And Business | end. Format Download? A market that no more than parallels business progress, however, is likely to leave many investors disappointed, particularly those relatively new to the game. Here's one for those who enjoy an odd coincidence: The Great Bubble ended on Menu Indesign By Azadcsstune 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 Of Resume Format Download Pdf their name. Top 20 Invitation For You? 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 us.

And, so far, our 50-year experience in | Resume Format Download Pdf, 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. Menu Brochure Template By Azadcsstune? We've also, over Examples Of Resume Pdf the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of Templates which returned to Format Download Pdf grace. How To Cite 15 Steps Pictures)? Still, if we stay active in junk bonds, you can expect us to Examples Skills Format have losses from time to time. Occasionally, a purchase of distressed bonds leads us into 1505680616 something bigger. Early in the Fruit of the Loom bankruptcy, we purchased the company's public and bank debt at about 50% of face value. This was an unusual bankruptcy in that interest payments on Examples Download senior debt were continued without interruption, which meant we earned about a 15% current return. Our holdings grew to 3in1 Music Flyer Template ~ Flyer Market 10% of Fruit's senior debt, which will probably end up returning us about 70% of face value. Through this investment, we indirectly reduced our purchase price for the 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 Format Download our making a major transaction.

FINOVA then had about $11 billion of Restaurant Template debt outstanding, of Examples Download Pdf which we purchased 13% at about two-thirds of face value. We expected the company to go into bankruptcy, but believed that liquidation of its assets would produce a payoff for creditors that would be well above our cost. As default loomed in early 2001, we joined forces with Leucadia National Corporation to present the company with a prepackaged plan for 3in1 Abstract Flyer Templates ~ Creative, 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 turn, re-lent this sum to Examples Of Resume Skills Format Download FINOVA, concurrently obtaining a priority claim on 1505680616 its assets. Berkshire guaranteed 90% of the Berkadia borrowing and also has a secondary guarantee on the 10% for which Leucadia has primary responsibility. (Did I mention that I am simplifying?).

There is Skills Format 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 How To Using Mla Format: Berkshire and Skills | Resume Download, 10% to Leucadia. As I write this, each loan has been paid down to $3.9 billion. As part of the bankruptcy plan, which was approved on August 10, 2001, Berkshire also agreed to offer 70% of face value for up to Rms Reporting And Business $500 million principal amount of the Examples Pdf $3.25 billion of new 7½% bonds that were issued by FINOVA. (Of these, we had already received $426.8 million in principal amount because of our 13% ownership of the 1505680616 original debt.) Our offer, which was to run until September 26, 2001, could be withdrawn under a variety of conditions, one of Skills | Resume Download which became operative if the New York Stock Exchange closed during the offering period. 1505680616? When that indeed occurred in the week of September 11 th , we promptly terminated the offer. Many of | Resume Format Download FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of September 11 th . Other receivables held by the company also were imperiled by the economic consequences of the attack that day.

FINOVA's prospects, therefore, are not as good as when we made our proposal to the bankruptcy court. 3in1 Abstract Template ~ Creative? Nevertheless we feel that overall the transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for Of Resume Skills Download, FINOVA, and we have long been impressed with the business acumen and Template ~ Flyer Templates ~ Creative Market, managerial talent of its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of | Resume Pdf 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 Women's Conference ~ Flyer Templates ~ Creative Market 1969, when I wanted Berkshire to Examples Of Resume Skills | Resume Format buy the Illinois National Bank and Music Flyer Templates, Trust of Rockford. We needed $10 million, and I contacted both banks. There was no response from Of Resume Skills, New York.

However, two representatives of the Boston bank immediately came to Omaha. They told me they would supply the money for our purchase and that we would work out the details later. For the next three decades, we borrowed almost nothing from banks. (Debt is a four-letter word around Berkshire.) Then, in February, when we were structuring the FINOVA transaction, I again called Boston, where First National had morphed into FleetBoston. Chad Gifford, the 1505680616 company's president, responded just as Bill Brown and Ira Stepanian had back in 1969 ? you've got the | Resume Download 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 A Website Using 15 Steps (with Pictures) world. Sooooo . . . Examples Of Resume Skills Format Pdf? if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.

One more point about our investments: The media often report that Buffett is Flyer Templates buying this or that security, having picked up the Of Resume Skills | Resume Format fact from And Business |, reports that Berkshire files. These accounts are sometimes correct, but at other times the transactions Berkshire reports are actually being made by Lou Simpson, who runs a $2 billion portfolio for GEICO that is quite independent of me. Normally, Lou does not tell me what he is buying or selling, and I learn of his activities only when I look at a GEICO portfolio summary that I receive a few days after the end of each month. Lou's thinking, of course, is quite similar to mine, but we usually end up in different securities. That's largely because he's working with less money and can therefore invest in smaller companies than I. Skills Download? 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 Graduation Invitation Microsoft For You, respect to Examples Skills | Resume Format Download Pdf charitable contributions ? but it's one that Charlie and I believe is How To Cite A Website 15 Steps Pictures) both rational and fair to owners. First, we let our operating subsidiaries make their own charitable decisions, requesting only that the Of Resume Skills Download Pdf 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. Menu Template? 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. However, prior to Examples | Resume Format Download our purchasing them, a few of our subsidiaries had employee-match programs and Cite Mla Format: 15 Steps (with, 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 Of Resume Format Pdf check.

Any organization that qualifies under the Internal Revenue Code can be designated by shareholders. 1505680616? Last year Berkshire made contributions of Examples Of Resume Skills | Resume Format Download Pdf $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 Women's Templates religious institutions. These, however, are favorite charities of Of Resume our shareholders, who last year named 437 churches and synagogues to receive gifts. How To Using 15 Steps? Additionally, 790 schools were recipients. A few of our larger shareholders, including Charlie and me, designate their personal foundations to get gifts, so that those entities can, in Examples Of Resume Skills Format Pdf, turn, disburse their funds widely. I get a few letters every week criticizing Berkshire for contributing to Planned Parenthood.

These letters are usually prompted by an organization that wishes to see boycotts of Berkshire products. How To Using (with Pictures)? The letters are invariably polite and Skills Pdf, 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 Top 20 Graduation Templates Microsoft, as diverse in their opinions as you can imagine. For example, they are probably on both sides of the abortion issue in roughly the same proportion as the Examples | Resume American population. We'll follow their instructions, whether they designate Planned Parenthood or Metro Right to Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Intelligence? Our form of disbursement, however, is more tax-efficient. In neither the purchase of goods nor the hiring of Examples Of Resume | Resume Download personnel, do we ever consider the Menu Brochure religious views, the gender, the Examples Of Resume Skills Format Download Pdf race or the Women's Conference ~ Flyer Templates ~ Creative Market sexual orientation of the persons we are dealing with. Of Resume Format Pdf? It would not only be wrong to do so, it would be idiotic. Menu Indesign Template By Azadcsstune? We need all of the talent we can find, and we have learned that able and Of Resume Skills | Resume Format Download Pdf, trustworthy managers, employees and suppliers come from How To Using, a very wide spectrum of humanity. To participate in our future charitable contribution programs, you must own Class A shares that are registered in Of Resume | Resume Format Pdf, the name of the actual owner, not the nominee name of a broker, bank or depository. Shares not so registered on August 31, 2002 will be ineligible for Top 20 Graduation Microsoft For You, 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 Skills | Resume Format Download Pdf the Civic Auditorium. The doors will open at Women's Template Templates 7 a.m., the movie will begin at 8:30, and Examples | Resume Format, the meeting itself will commence at Rms Reporting And Business Intelligence | 9:30. There will be a short break at noon for food. Examples Of Resume | Resume Format Download? (Sandwiches can be bought at Invitation Templates Microsoft Word the Civic's concession stands.) Except for that interlude, Charlie and I will answer questions until 3:30. Examples Skills Download Pdf? Give us your best shot. For at Menu Brochure Template least the next year, the Civic, located downtown, is the only site available to Examples Format Download us. We must therefore hold the meeting on 1505680616 either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on a weekday.

Shortly, however, Omaha will have a new Convention Center with plenty of Of Resume Pdf parking facilities. Assuming that we then head for the Center, I will poll shareholders to see whether you wish to Rms Reporting And Business | return to the Monday meeting that was standard until 2000. We will decide that vote based on a count of shareholders, not shares. (This is Examples Of Resume Format Pdf not a system, however, we will ever institute to decide who should be CEO.) An attachment to the proxy material that is enclosed with this report explains how you can obtain the credential you will need for admission to the meeting and other events. As for Menu Indesign Template By Azadcsstune, plane, hotel and car reservations, we have again signed up American Express (800-799-6634) to give you special help. Examples Skills | Resume Format? They do a terrific job for us each year, and I thank them for it. In our usual fashion, we will run buses from the larger hotels to the meeting. Afterwards, the buses will make trips back to 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. Flyer Templates ~ Creative Market? And underwear, of course. Assuming our Fruit of the Of Resume Download Loom purchase has closed by May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. Buy a lifetime supply. GEICO will have a booth staffed by a number of Music Flyer Template Templates Market its top counselors from around the country, all of them ready to supply you with auto insurance quotes. In most cases, GEICO will be able to give you a special shareholder discount (usually 8%). This special offer is permitted by 41 of the 49 jurisdictions in which we operate. Bring the details of your existing insurance and check out Skills Format Pdf, whether we can save you money. At the Omaha airport on Graduation Invitation Templates Microsoft Word 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 Examples Of Resume | Resume Format 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 employees. We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from $5.3 million in 1997 to $11.5 million in 2001. To get the discount, you must make your purchases on Thursday, May 2 through Monday, May 6 and also present your meeting credential. The period's special pricing will even apply to the products of several prestigious manufacturers that normally have ironclad rules against discounting but that, in the spirit of our shareholder weekend, have made an Restaurant Menu Indesign exception for you. Examples | Resume Format Pdf? We appreciate their cooperation. NFM is open from 10 a.m. to 9 p.m. on Menu Brochure weekdays and 10 a.m. to Examples Of Resume | Resume Format Download Pdf 6 p.m. on Saturdays and Cite Using Mla Format: 15 Steps (with Pictures), Sundays. Borsheim's ? the largest jewelry store in the country except for Tiffany's Manhattan store ? will have two shareholder-only events. Of Resume Download? 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 9 a.m. to Abstract Music Flyer ~ Flyer Templates 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 Examples Skills Format Download 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 Top 20 Invitation Templates Microsoft Word its major rivals, so the more you buy, the more you save (or at Skills | Resume Format Download least that's what my wife and daughter tell me). Come by Restaurant Menu Indesign Brochure and let us perform a walletectomy on you. In the mall outside of Borsheim's, we will have some of the world's top bridge experts available to Of Resume | Resume Format Download Pdf play with our shareholders on Sunday afternoon. We expect Bob and Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on all comers ? blindfolded! Last year, Patrick played as many as six games simultaneously ? with his blindfold securely in place ? and this year will try for seven.

Finally, Bill Robertie, one of only two players who have twice won the backgammon world championship, will be on hand to test your skill at that game. Come to the mall on Sunday for How To Using Mla Format: 15 Steps, the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on Skills Format Pdf Sunday, May 5, and will be serving from 4 p.m. until 10 p.m. Please remember that to come to Gorat's on Sunday, you must have a reservation. To make one, call 402-551-3733 on Menu Template By Azadcsstune April 1 ( but not before ). If Sunday is sold out, try Gorat's on one of the other evenings you will be in town.

Show your sophistication by ordering a rare T-bone with a double order of hash browns. The usual baseball game will be held at Rosenblatt Stadium at 7 p.m. on Saturday night. This year the Omaha Royals will play the Oklahoma RedHawks. Of Resume | Resume Format Download? Last year, in an attempt to Brochure Template By Azadcsstune emulate the career switch of Babe Ruth, I gave up pitching and tried batting. Examples Of Resume Pdf? Bob Gibson, an Omaha native, was on Using the mound and I was terrified, fearing Bob's famous brush-back pitch. Instead, he delivered a fast ball in Examples Of Resume Skills | Resume Format Download, the strike zone, and with a Mark McGwire-like swing, I managed to connect for a hard grounder, which inexplicably died in the infield. I didn't run it out: At my age, I get winded playing a hand of bridge. I'm not sure what will take place at the ballpark this year, but come out and be surprised.

Our proxy statement contains instructions for obtaining tickets to the game. Those people ordering tickets to the annual meeting will receive a booklet containing all manner of information that should help you enjoy your visit in Omaha. There will be plenty of action in (with, town. So come for Woodstock Weekend and join our Celebration of Capitalism at the Civic. Finally, I would like to thank the wonderful and incredibly productive crew at World Headquarters (all 5,246.5 square feet of it) who make my job so easy. Examples Of Resume Skills Format Pdf? Berkshire added about Menu Indesign Brochure, 40,000 employees last year, bringing our workforce to 110,000. At headquarters we added one employee and | Resume Pdf, now have 14.8. 1505680616? (I've tried in vain to get JoEllen Rieck to change her workweek from four days to five; I think she likes the national recognition she gains by being .8.)

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