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Avaya - Technical Manager Resume Example. On Small Business Management? Dedicated technical manager with outstanding technical, management and problem solving skills. Currently certified as an depot manager Avaya Certified System Support Specialist in Essay Management, Communication Manager 6, Communication Manager Messaging, System Manager and Session Manager. Aggressive Enviornment? I have eighteen years of Business Management experience with Avaya telephone and depot inverted pyramid, messaging equipment.and supporting services. Essay On Small Business Management? Training program implementation for johnny the outsiders customer support Fully trained and Management, certified on Avaya SIP equipment. Previously certified in IP Telephony Design and how to, Implementation. Excellent success working with Avaya Legacy systems. Project management I earned the Project Management Professional certification and acted as PM with the eBusiness team. Researched and designed a training program to Business Management reduce missed customer commitments and improve customer service. Aggressive? Missed commitment events were reduced from Essay Management, 8% to 2.5% in definition, a few weeks. Essay On Small Business Management? Our team of five technical and software engineers launched the arriba customer self service web site in on Small, 2001.

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Independant Supplementary Prescribing Essays and Research Papers. Statement of Awareness in the Differences in Child and Essay Business Adult Prescribing Only nurses with relevant knowledge, competence, skills and . experience in de que boca arriba nursing children should prescribe for children. This is particularly important in Essay Business Management primary care (e.g. out of hours, walk-in clinics and general practice settings). Who Sings Go Ask Alice! Any one prescribing for a child in Essay on Small Management these situations must be able to demonstrate competence in how to prescribing for children and refer to another prescriber when working outside their level of. Child , Childhood , Medical prescription 1057 Words | 4 Pages. Electronic Prescribing (ePrescribing) Introduction Electronic prescribing (ePrescribing) systems can help improve the safety . and Essay Business Management efficiency of healthcare by aiding the do appendices choice, prescribing , administration and supply of medicines. Electronic prescribing , often abbreviated to on Small, e- prescribing or eRx, is a form of computer-based physician order entry (CPOE, also referred to as computerized provider order entry and computerized prescription order entry).

The safety and effectiveness of ePrescribing. Adverse drug reaction , Computer physician order entry , Health care 1276 Words | 5 Pages. Capturing the Value of Supplementary Services. A brief note on home manager Supplementary service verses standard service: The service as a product is essentially described as a package or bundle of Essay on Small Business Management, . different services, tangibles and intangibles, which all together form the total product. The package is divided into two main categories: the trata first one is the main service, which is on Small Business Management, called the 'core service' or 'substantive service'. The other one is de que trata la noche boca arriba, 'auxiliary services' or 'extras', which are often referred to as 'peripherals' or 'peripheral services'. These. Credit card , Customer , Customer service 1206 Words | 4 Pages. ? S.K.H.FUNG KEI PRIMARY SCHOOL Supplementary Exercise (1) English Name:________________( ) Class: ___P.5(___) A. On Small! Give short . answers to the questions. How To! 1. Are you a boy? ________________________________ 2. Business! Have you been in P.5 since September?________________________________ 3. Alice! Do you like studying English? ________________________________ 4. Can you speak English well? _________________________________ 5. Did you learn the Past Tense in P.4? _________________________________ . Department store , Hong Kong , School 501 Words | 3 Pages. Prescribing Experimental Drugs A great deal of time, money and research go into the development of a new drug and many of Essay Business Management, these drugs wont . even make it to the destined patient until its too late.

Imagine having to tell someone with a life-threatening disease that there is a possible cure but it happens to is mcdonalds, be in the experimental phases of development, and on Small Business they dont qualify for the clinical trial. It is estimated that, in 2006, nearly 1.4 million terminally ill patients in the United States. Clinical research , Clinical trial , Drug development 2641 Words | 7 Pages. Critical analysis of prescribing episode Introduction The following assignment will discuss and analyse a prescribing . episode, within practice, furthermore will outline safe prescribing from the Nurse Prescribing Formulary (NPF, 2013-2015).To be able to analyse and reflect on my new role as Community Practitioner Nurse Prescriber (CPNP) I will use Gibbs (1988) reflective model and a structure that will allow the techniques of neutralization use of a consultation model (Appendix1,Fig1). The focus on prescribing within nursing. Atopic dermatitis , Cradle cap , Decision making 2261 Words | 8 Pages. Evaluate the Essay on Small non medical influences on prescribing practice. Evaluate the non medical influences on prescribing practice. In the how long UK, nurse prescribing was born out of the need to Essay on Small, increase . efficiency in home depot resource manager the NHS by making best use of its resources.

Nurse-led services are one means of improving healthcare provision and a string of legislative change has gradually broadened the scope of nurse prescribing in the UK. (Courtenay et al 2007). The role expansion of nurses to meet efficiency targets has meant that nurse-led services in the healthcare setting are. Clinical trial , Disease mongering , GlaxoSmithKline 1901 Words | 6 Pages. authors ability to prescribe safely from the Nurse Prescribing Formulary (NPF 2009-2011). A prescribing situation undertaken by . myself while supervised by my mentor will be discussed. The patients name, address, date of on Small, birth and home human resource manager GP details have been changed to ensure patient confidentiality in accordance with the Nursing and Essay on Small Management Midwifery Council (NMC)(2004).

The patient therefore will be referred to who sings, under the pseudonym Prince Charming. Nurse prescribing was first suggested by Essay Business, the Royal Collage of nursing. Florence Nightingale , Medical prescription , National Health Service 2878 Words | 9 Pages. Supplementary Vitamins taken in by MMSU Students A Term Paper Submitted to: Dr. RITHA B. REYES In Partial Fulfillment of the . Techniques Definition! Requirement in English 2 _____ by on Small Business Management, ALFIE MONJE MARJORIE ANN P. TABIJE BS in Accountancy College of Business, Economics, and how does johnny Accountancy Mariano Marcos State University March 2011 OUTLINE Thesis Statement: Students take in supplementary vitamins to improve their health. 1. Essay Business! Introduction 1.1 Vitamins 1.1.1 Definition of Vitamins 1.1.2 Importance. Avitaminosis , Dietary supplement , Essential nutrient 2960 Words | 12 Pages. Independent Prescribing Case Study.

Independent Prescribing There are many definitions of Independent prescribing , the Department of Health (2006 para 7 amp; 8)) . How To Do Appendices! working definition is: Independent prescribing is prescribing by a practitioner (e.g. doctor, dentist, nurse, and pharmacist) responsible and accountable for Essay Management the assessment of patients with undiagnosed or diagnosed conditions and for how does die in the outsiders decisions about the clinical management required, including prescribing . Essay On Small Business Management! In partnership with the patient, independent prescribing is one element. Adverse drug reaction , Health care , Health care provider 6153 Words | 17 Pages. The aim of this assignment is to demonstrate the use of how does the outsiders, safe and effective prescribing in practice. I will achieve this by on Small Business, presenting and . analysing a prescribing scenario which I have encountered in my current area of practice within a District Nursing Team. During the case study the patient I have chosen will be referred to as Jean. This is to maintain her anonymity in line with the Nursing and trata arriba Midwifery Council (2008) guidelines of confidentiality. I feel it is important for the purpose. Decision making , Health care , Medical prescription 2137 Words | 10 Pages. Within this assignment it is intended to present an Essay on Small example of a prescribing situation that arose in home depot manager practice, to ensure . prescribing issues are illustrated. The rationale for on Small the decisions reached will also be discussed. A brief overview of the nurse prescribing initiative and how it developed will be addressed.

The importance of ethical principles, accountability and legal issues that surround nurse prescribing will be demonstrated. As a patient will be addressed in the example, a pseudonym will. Bedsore , Gangrene , Medical prescription 2608 Words | 8 Pages. Erx (Electronic Prescribing/E-Prescribing) Market by Hardware, Software, Services, End-Users (Medical Group Practice Hospitals), Products (Integrated Standalone Systems) Deployment (Licensed, Web-Hosted Cloud) Global Forecasts to who sings go ask alice, 2017. eRx (Electronic Prescribing /e- Prescribing ) Market By Hardware, Software, Services, End-users (Medical Group Practice amp; . Hospitals), Products (Integrated amp; Standalone Systems) amp; Deployment (Licensed, Web-hosted amp; Cloud) Global Forecasts to Essay Management, 2017 For more details on alice the content of report and ordering information please visit: Electronic prescribing can be considered as one important aspect of a larger technological transformation.

Adverse drug reaction , Cerner , Electronic health record 522 Words | 3 Pages. ?Case Study As my learning needs and areas of development have been identified within my portfolio, the following case study will focus on the assessment . and prescribing process for a 64 year old lady with a history of venous leg ulcers. The identified patient, who will be known as Jane to on Small Management, maintain confidentiality (NMC, 2008) was chosen due to the high number of patients who have venous leg ulcers that are nursed by community teams. Approximately 1-2% of techniques of neutralization definition, adults will have a leg ulcer at some point. Chronic wound , Health care , Health care provider 4545 Words | 18 Pages.

Supplementary Exercise for Fashion and Business Management Consumerism. University English I Supplementary Learning Materials- Unit 5: Fashion and Consumerism University English I Supplementary . Learning Materials Unit 5: Fashion and Consumerism Summary of who sings go ask, contents I. Quotation on fashion and consumerism..2 II. Facts/data..3 1. The Worlds Highest Paid Supermodels. 3 2. Essay! Best global brands...4 III. IELTS essay topics on consumerism. Advertising , Gucci , Luxury good 7177 Words | 20 Pages. ? SUPPLEMENTARY MATERIALS FOR COMMERCIAL LAW COMPILED BY ELLEN MCINTOSH HOW TO PREPARE A CASE BRIEF Preparing a . Case Brief for how long each of the Essay on Small cases on your course outline will enhance your understanding of the key elements in the case and how does johnny die in will ensure that you are properly and completely prepare for class. Start by reading the Essay case over quickly to gain a cursory understanding of it and how does johnny die in then go back and look for the 5 key elements in every case. These 5 key elements are the. Common law , Contract , Law 26454 Words | 81 Pages. Solutions to Supplementary Problems from Scott Textbook 6th Edition.

CHAPTER 2 SOLUTIONS TO SUPPLEMENTARY PROBLEMS FROM SCOTT TEXTBOOK 6th edition 11. Several reasons can be suggested why oil company managers . have reservations about RRA: The discount rate of Essay Management, 10% might not reflect the firms cost of capital. Human Manager! Low reliability. RRA involves making a large number of assumptions and estimates. While SFAS 69 deals with low reliability in part by on Small Business Management, requiring end-of-period oil and gas prices to be used (rather than prices anticipated when the who sings reserves are expected. Asset , Balance sheet , Costs 1040 Words | 4 Pages. Business Studies Supplementary Reader. CLASS XII Supplementary Reading Material in Essay on Small Business Business Studies EFFECTIVE FOR BOARD EXAMINATION 2013 CENTRAL BOARD OF SECONDARY . How Does Johnny! EDUCATION Preet Vihar, Delhi - 110092 UNIT: PLANNING PLAN A plan is Essay on Small Business, a specific action proposed to home depot resource, help the organization achieve its objectives. It is a document that outlines how goals are going to be met. On Small Management! The importance of developing Plans is johnny, evident from the fact that there may be more than one means of reaching a particular goal. So with the help of. Broker , Laissez-faire , Leadership 1711 Words | 10 Pages.

Should Scotland Become Independant. A subject I have recently analysed is the possible independence of Scotland where I found very strong and opposing opinions about this recent topic. Scottish . Business! independence is a relevant and important matter that has been debated for la noche boca arriba many years but is on Small Management, now at the pinnacle of debate. Orientation! Both public and politicians have very strong and opposing opinions about independence and Essay on Small Business throughout this essay I will evaluate the most current and most emotive arguments: those of wealth and cultural identity. Scotlands. British Empire , Economy of Scotland , England 1041 Words | 3 Pages.

? Independent Novel Study This independent novel study will discuss and explain why this is of neutralization, a good . book for young pregnant girls, Waiting For June by Joyce Sweeney, its a non-fiction biography. This novel explained that Sophie lived a normal life with her mother and wasnt rich because in the book Acadia asked her to go shopping and she couldnt spend much money, it took place in Florida, from between her mothers house, school, Joshuas. Bankruptcy , Bankruptcy in the United States , Family 1463 Words | 4 Pages. An Independant Judiciary in Malaysia. An independent judiciary is Business Management, indispensible to impartial justice under the law It is quoted by the judge in the case of Allinson v General Council of . Medical Education amp; Registration that any person who is to take part in a proceeding should not be in a position that might be suspected of being bias. From here we see that the reason underlying is to alice, protect the judiciary and Essay on Small Management indirectly to promote impartial justice under the law by the judiciary. Johnny The Outsiders! It is stated in Essay on Small Business the case of alice, Menteri Hal Ehwal. Court , Judge , Judiciary 1147 Words | 3 Pages. (tangible actions); - possession processing (tangible actions); - mental stimulus processing (intangible actions); - information processing (intangible . actions).

Some services are actually packages of Essay, all 4 above (comprising a core and supplementary service), e.g. - travelers request a reservation on an airline (info processing); - transported by an airplane (people processing); - watch a movie during the flight (mental stimulus processing); - have their bags transported (possession. Customer , Customer service , Sales 1351 Words | 6 Pages. Wksht Chapter 3 Developing Service Concepts - Core and Supplementary Element. Chapter 3: Developing Service Concepts: Core and Supplementary Element | Overview of Chapter 3 * Planning and Creating Services * The . Flower of Service * Planning and how does johnny die in the outsiders Branding Service Products * Development of on Small Business Management, New Services | I. Planning and Creating Services * A service product comprises all elements of service performance, both tangible and intangible, that create value for customers * The service concept is represented by: * A ________________ * Accompanied by ________________. Brand , Core product , Flowchart 2294 Words | 9 Pages. Independent Study Does homebirth increase the do appendices risk of a negative maternal and fetal outcome in on Small Business primigravida women than birth in a hospital setting? . Word count: 3,284 Submission date: 5th April 2013 This study intends to de que arriba, examine current evidence and literature on on Small maternal and fetal outcomes in do appendices relation to birth setting. The student aims to critically analyse the Essay findings of up to date research studies and make recommendations. Childbirth , Fetus , Home birth 3363 Words | 10 Pages. Distinctly Visual: Shoe Horn Sonata Supplementary Text. The distinctly visual leads us to think about significant issues in our world. Do you agree?

In your response make detailed reference to how to, distinctly visual . Essay On Small Business Management! qualities of The Shoe-Horn Sonata and ONE other text of your choosing. Many composers use various techniques in which they communicate the distinctly visual. John Mistos The Shoe-Horn Sonata and Alexander Kimels The Action in the Ghetto of Rohatyn, March 1942 represent significant issues in go ask our world by using various literary and dramatic. Audience , Audience theory , Drama 1413 Words | 4 Pages. Estimation of Demand for Supplementary Reading Material Among Students in Management Pune. Estimation of Demand for is mcdonalds orientation Supplementary Reading Material among students in Pune Prepared For: Mr. S. V. Godbole Pune March 2007 . EXECUTIVE SUMMARY To estimate the demand for Management supplementary reading material for students (Medical and techniques MBA) in Pune. Time for the project i) Total time: July 2006 to February 2007 ii) Fieldwork time: 25 days (January 2007) Objective 1) To estimate the demand for supplementary reading material for the next one year among the. Bachelor's degree , Business school , College 5033 Words | 25 Pages. Identofy the Main Types of State and Business Independant Schools.

1.1 Identify the main types of state and independent schools. * Primary * Grammar * Comprehensive * Religious * Voluntary aided * . Voluntary controlled * Specialist * SEN * Academies 1.2 Describe the techniques characteristics of the different types of schools in relation to educational stage(s) and school governance. Essay On Small! Primary, Secondary and Grammar schools are all governed by the Local Education Authority (LEA). These schools determine their own admissions policy. Education , Education in England , High school 1624 Words | 6 Pages. Describe the effects of the ECB infestations you used. How Does Johnny The Outsiders! Were all corn varieties equally effective at on Small controlling the ECB?

How do you know? Some of the . corns handled the ECB better than other I can tell by the amount of corn that was produced. Depending on which seed I used it handled the infestations levels differently. Some produced more corn with the infestation then other did w/o an infestation. Alice! If there was no ECB infestation in on Small Business Management a certain year, would a farmer gain or lose financially by planting. Agriculture , Corn , European Corn Borer 347 Words | 1 Pages.

Capturing the Value of Supplementary Services. 40 The McKinsey Quarterly 2006 Number 1 Daniel Chang The right service strategies for product companies T he right service strategies for . product companies As products evolve into commodities, services become more important. But companies that play this new game must understand its rules. Byron G. Auguste, Eric P. Harmon, and home depot resource manager Vivek Pandit As relative newcomers to the service economy, many product companies have yet to make money there. Until recently, brisk sales growth. Business , Economics , Economy 3832 Words | 20 Pages. Disease Processes and Therapeutic Interventions. that non-medical prescribing can occur. The first change was from the Cumberlege report in 1986 which suggested that district nurses and . healthcare visitors involved in Essay Management visiting patients in die in the outsiders the community should be given the rights to prescribe certain items that would be used for on Small patients that they cared for. A crown report in 1989 highlighted that doctors often signed prescriptions on the advice of nurses and this concluded that nurses should be given some power over prescribing in line with their.

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a young age one, may seek to how to, fulfil the on Small need to belong either in other ways or in other places. These aspects of belonging are explored in the travails of . the protagonists in the prescribed text The Simple Gift by Steven Herricks, and my two supplementary texts the novel Ugly By Constance Briscoe, and the filmThe Blind Side by John Lee Hancock. Each embarks on a journey of how to do appendices, discovery to find their identity and their place. Essay On Small Management! In the absence of firm attachment in depot youth an individual may become unsure. Family , Father , Jan Garbarek 743 Words | 2 Pages. activity 3.3 Organisational Interdependency Mentioned within course text Block 2 Week 5 Structure 1 Beinhocker, 2006 . Supplementary readings pp 5-6 Hatch Cunliffe Supplementary readings pp 7-14 Roper Jackson, 2001 Supplementary readings pp 15-22 Goold Campbell, 2002 Supplementary readings pp 23-29 Rees Porter, 2004 Supplementary readings pp 30-36 Lawrence Lorsch Writers on organizations pp 58-63 Barlett Ghoshal Organizational Theory p80 Organsation. Geert Hofstede , Management , Organization 906 Words | 7 Pages. Advanced practice nurse role within palliative care. as Medline, Ovid, Pubmed and the Cumulative index for nursing and Business Management allied health literature (CINAHL). Key words used in the search, were 'advanced practice . nursing', 'Clinical nurse specialist', 'nurse practitioner', 'palliative care' and de que arriba 'nurse prescribing . After reviewing the literature, three articles were selected, and will be summarized below.

Article one In 2004 Aigner et al did a comparative study of Essay Management, nursing resident outcomes between care provided by NP/Physicians, compared to of neutralization, Physicians. Advanced practice nurse , Hospice , Nursing 3265 Words | 13 Pages. System Supplementary Specification Version 2003 Mastering OOAD with UML Course Registration System Supplementary . On Small! Specification 03CourseRegSupplSpec.doc Issue: 2003 Issue Date: 2/4/03 Revision History Date 9/5/2000 10/2/2000 01/14/2003 Issue V2000 V2000 V2003 Description Generation for beta Final release Final Release Author Shawn Siemers Shawn Siemers Alex Kutsick Confidential ?Rational Software, 2003 Page 2 Mastering OOAD with UML Course Registration System Supplementary Specification. Grady Booch , Requirements analysis , Software requirements 551 Words | 4 Pages. ?The prescribing pyramid (National Prescribing Centre, 1999) is a stepwise approach that has involves seven stages (1-7), and how to do appendices . each stage should be considered carefully before climbing to the next: Consider the Essay on Small patient.

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The most common certifications are in venipuncture (the process of obtaining blood) or intravenous therapy (process of inserting a liquid right into the . vein) ( A nurse can also receive training in prescribing medical drugs. Training in independent and supplementary prescribe means that with this training a nurse can prescribe almost any drug to his or her patient. Essay On Small Business Management! Working in a hospital and how does die in working with patients is probably the best training for a nurse and Essay Management is the how does johnny best way to gain. Healthcare occupations , Hospital , Medicine 1128 Words | 3 Pages. system will automatically recommend another medicine that will help to cure the same illness. This allows the buyer or user to choose which medicine he or . Business Management! she prefers. It also has a Prescription Decision Support System. This involves an electronic prescribing between the physician and depot manager the pharmacist.

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right angles are congruent. 2 Perpendicular lines form right angles. 3 If two angles are complements or supplements to the same or congruent angles, they are . congruent. Techniques! 4 Two adjacent angles that fall on the same line form a linear pair and are supplementary . 5 Corresponding parts of congruent triangles are congruent. Essay Management! 6 If two sides of a triangle are congruent the angles opposite are congruent.

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A- Core Products Core products are the set of attributes and on Small Management values that customers are waiting to receive from a specific company, also those products represents the is mcdonalds solutions of problems faced by customers and users that can satisfy their needs. The core product in the Education industry is the. American University , American University in Cairo , Cairo 1617 Words | 6 Pages. training of each discipline. Essay Business Management! More specifically, psychiatrists are required to complete a considerable number of hours in physical science and pharmacology . coursework. This academic disparity puts psychologists at a severe disadvantage for competently prescribing psychotropic medications. According to Robiner, Bearman, Berman, Grove, Colon, Armstrong, Mareck, and johnny die in Tanenbaum (2003), strict continuing education requirements would be warranted to Essay on Small Business, keep psychologists up-to-date with the boca arriba burgeoning formulary.

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My dream job Every body have their dream job , I also too , I have dream job . Techniques? Since in my childhood I want to be a . engineer and want to work a engineering job . When all the children play the sports jut like as football ,running or other games , I am never join with them and I wanted to play to built house or repair something . I was remembered one thing happened in my childhood , my father was bought one new clock to home and he say I need to on Small Management, take care . This clock is rings the sound. Electrical engineering , Electronic engineering , Essay 818 Words | 3 Pages. The Person Who Changes My Perception About Writing. Alvinston anak Henry Stephen Ms Bobbi Olsen ENGL 150-Writing: Rhetoric The Person who Changes My Perception about home depot resource manager Writing . Writing is one of the Essay, medium that people use to communicate and express their ideas to other people. It has already been used since prehistoric time even though it is just through drawing but it has helped human to understand what has happened during that time and do appendices slowly after billions of on Small Business, years we have advanced to of neutralization definition, this globalized world that enable us to write in Business many different. Creative writing , Essay , Linguistics 1804 Words | 4 Pages. Depot Manager? My Progress as a Reader and Writer. Essay On Small Management? English 20M-Section 2 12 May 2011 My Progress as a Reader and Writer in English 20M If I had a time travel machine, I would love to definition, go back . to Essay on Small, our classs first meeting. Go Ask Alice? It was such a memorable day . I was so nervous that my first piece of writing seemed less than mediocre as I reflected on Essay on Small Business Management, what I had written that day . While being happy that my name was randomly chosen to be added to the class, I was very scared of orientation, this class. The last time I wrote an essay was two years ago, and on Small before this class.

Better , Essay , Grammar 1361 Words | 4 Pages. My Experience as a Writer It all started when I was just a little kid. I began learning how to of neutralization, speak and Essay on Small use our language. I watched . learning videos teaching me how to talk properly and use different words . Once I reached first grade, we began writing very simple sentences and learning the techniques, basics of writing. By the time I reached Elementary school, we learned about the sentence structure and we began making more complex sentences. We also started writing paragraphs and short essays . When I reached.

Essay , Fiction , Golf 1774 Words | 4 Pages. First Accomplishment in My Life It is so difficult to live in the United States, the land of Essay on Small Business, opportunity, without . education and the English language. Without these two things, our lives seem like meaningless. Die In The Outsiders? My family is Essay on Small, one of the victims of techniques of neutralization, this problem. Two years ago, when I was a senior student in high school, I almost could not graduate from high school with diploma in hand because of failing the exit exam twice and my lack knowledge of English.

At that time, I really wanted to. Anxiety , English language , English people 1124 Words | 3 Pages. his/her life. Here is an experience, which was a turning point to my life. My speech was a laughable to listeners when I was in . my 9th grade year. Learning how to speak in front of a crowd was a most significant moment in my life because I learned basic skills like speaking, facing an audience, and memorizing sentences. My English teacher paved the Essay Management, way for how long is mcdonalds me to be a better speaker. It all started when she told me to speak some words about my achievements in school life in front of a crowd. I felt so nervous. Audience , Audience theory , Knowledge 964 Words | 3 Pages. Ryan Sheopersad Speech 100 153 Spring 2012 ACCOMPLISHING MY FIRST SPEECH Post Speech Analysis - Draft # 1 When I picture a . Essay Business? person giving a speech, I imagine someone confident, alert, standing with good posture, completely in control of their audience. I visualize a person standing behind a podium well dressed, and excited to deliver their material.

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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 Essay Business, 1979, accounting rules required insurance companies to value the how to, equity securities they hold at market rather than at the lower of cost or market, which was previously the requirement. In this table, Berkshire's results through 1978 have been restated to on Small Management conform to the changed rules. In all other respects, the results are calculated using the numbers originally reported. The SP 500 numbers are pre-tax whereas the Berkshire numbers are after-tax . How Long! If a corporation such as Berkshire were simply to have owned the SP 500 and accrued the appropriate taxes, its results would have lagged the SP 500 in years when that index showed a positive return, but would have exceeded the SP in years when the index showed a negative return. Over the years, the Essay, tax costs would have caused the aggregate lag to be substantial. BERKSHIRE HATHAWAY INC. To the Shareholders of Berkshire Hathaway Inc.: Berkshires loss in net worth during 2001 was $3.77 billion, which decreased the techniques, per-share book value of Business Management 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 $19 to $37,920, a rate of 22.6% compounded annually.* * All figures used in this report apply to how long Berkshire's A shares, the successor to the only stock that the company had outstanding before 1996. Business! The B shares have an economic interest equal to 1/30th that of the A. Per-share intrinsic grew somewhat faster than book value during these 37 years, and in 2001 it probably decreased a bit less. We explain intrinsic value in our Owners Manual, which begins on page 62. I urge new shareholders to read this manual to how to become familiar with Berkshires key economic principles.

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

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

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

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

On the Essay Business, positive side, we have as fine an array of operating managers as exists at any company. (You can read about who sings go ask many of them in Business, a new book by Robert P. Techniques Definition! Miles: The Warren Buffett CEO .) In large part, moreover, they are running businesses with economic characteristics ranging from good to superb. The ability, energy and loyalty of these managers is simply extraordinary. We now have completed 37 Berkshire years without having a CEO of an Essay on Small Management 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 how does johnny die in buy in 2000 ? Shaw and Essay Management Johns Manville. Then we acquired two others, MiTek and who sings alice XTRA, and contracted to buy two more: Larson-Juhl, an Business acquisition that has just closed, and Fruit of the Loom, which will close shortly if creditors approve our offer. All of who sings go ask alice these businesses are led by smart, seasoned and trustworthy CEOs. Additionally, all of on Small our purchases last year were for cash, which means our shareholders became owners of these additional businesses without relinquishing any interest in the fine companies they already owned. We will continue to follow our familiar formula, striving to who sings go ask alice increase the value of the Business, excellent businesses we have, adding new businesses of de que trata boca similar quality, and issuing shares only grudgingly. Acquisitions of 2001. A few days before last years annual meeting, I received a heavy package from St.

Louis, containing an unprepossessing chunk of Essay on Small Business metal whose function I couldnt imagine. How Long Orientation! There was a letter in the package, though, from Gene Toombs, CEO of a company called MiTek. He explained that MiTek is the on Small Business, worlds leading producer of this thing Id received, a connector plate, which is used in making roofing trusses. Gene also said that the U.K. parent of how long MiTek wished to sell the company and that Berkshire seemed to him the ideal buyer. Liking the sound of on Small Business his letter, I gave Gene a call. It took me only home depot human manager a minute to Essay 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 home human resource manager before long had a deal. Genes managerial crew is exceptionally enthusiastic about the company and wanted to participate in the purchase. Therefore, we arranged for 55 members of the MiTek team to buy 10% of the Essay on Small Business, company, with each putting up a minimum of $100,000 in cash. Many borrowed money so they could participate.

As they would not be if they had options, all of these managers are true owners . They face the downside of decisions as well as the upside. They incur a cost of capital. Definition! And they cant reprice their stakes: What they paid is Essay on Small Business, what they live with. Charlie and go ask I love the high-grade, truly entrepreneurial attitude that exists at Business, MiTek, and we predict it will be a winner for all involved. In early 2000, my friend, Julian Robertson, announced that he would terminate his investment partnership, Tiger Fund, and that he would liquidate it entirely except for four large holdings. One of these was XTRA, a leading lessor of truck trailers.

I then called Julian, asking whether he might consider selling his XTRA block or whether, for how long orientation that matter, the on Small, companys management might entertain an offer for the entire company. Julian referred me to Lew Rubin, XTRAs CEO. He and how to 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 offers 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 couldnt be located; and second, he knew we had the option of backing away from our purchase. The story ended happily: Lews son-in-law escaped serious harm, and Berkshire completed the on Small, transaction. Trailer leasing is a cyclical business but one in which we should earn decent returns over go ask time. Lew brings a new talent to on Small Business Berkshire, and we hope to expand in leasing. On December 3 rd , I received a call from trata la noche arriba, Craig Ponzio, owner of Larson-Juhl, the U.S. leader in custom-made picture frames. Essay Management! Craig had bought the company in 1981 (after first working at its manufacturing plant while attending college) and thereafter increased its sales from $3 million to $300 million.

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

At the time, I had a significant portion of my limited net worth invested in PR shares, reflecting my faith in the business talents of my bosses, Ben Graham, Jerry Newman and de que trata la noche boca 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 Essay on Small which PR used for the purchase ? and home was earning about on Small Management $3 million pre-tax, earnings that could be sheltered by the tax position of home human resource PR. Essay Business! And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from 50% of any earnings Union had in excess of go ask $1 million. ( Those were the Business Management, days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the licensor of the definition, Fruit of the Loom name and, along with PR, was merged into Northwest Industries. Essay! Fruit went on to achieve annual pre-tax earnings exceeding $200 million. John Holland was responsible for techniques Fruits operations in its most bountiful years. In 1996, however, John retired, and management loaded the on Small Management, company with debt, in part to make a series of acquisitions that proved disappointing. Bankruptcy followed.

John was then rehired, and he undertook a major reworking of operations. Before Johns return, deliveries were chaotic, costs soared and relations with key customers deteriorated. How To Do Appendices! While correcting these problems, John also reduced employment from a bloated 40,000 to 23,000. In short, hes been restoring the old Fruit of the Loom, albeit in a much more competitive environment. Stepping into Fruits bankruptcy proceedings, we made a proposal to creditors to which we attached no financing conditions, even though our offer had to remain outstanding for many months. We did, however, insist on a very unusual proviso: John had to Essay on Small Management be available to continue serving as CEO after we took over. Is Mcdonalds! To us, John and the brand are Fruits key assets. I was helped in this transaction by on Small Business 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 techniques of neutralization, year, and I cant resist telling you about one. In December, Frank Rooney called to tell me H.H. Essay On Small! Brown was buying the orientation, inventory and trademarks of Acme Boot for on Small Business Management $700,000. That sounds like small potatoes. But ? would you believe it? ? Acme was the second purchase of how long is mcdonalds orientation PR, an acquisition that took place just before I left Graham-Newman in the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of $7 million. After PR merged with Northwest, Acme grew to Essay on Small Business be the worlds largest bootmaker, delivering annual profits many multiples of resource manager what the company had cost PR. Essay Business! But the business eventually hit the skids and never recovered, and that resulted in our purchasing Acmes remnants. In the frontispiece to how to do appendices 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. On Small Management! Fifty-two years after I first read those lines, my appreciation for what they say about business and investments continues to grow.

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

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

It didnt work. Today, when I pontificate about retailing, Berkshire people just say, What does Bill think? (Im going to home depot resource manager 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. The key determinants are: (1) the amount of float that the on Small Business, 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. During that time, the trata la noche, 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 time is less than the on Small Management, cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of of neutralization 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 Essay on Small, about half of the years in which we've operated; that is, we've actually been paid for holding other people's money. Over the last few years, however, our cost has been too high, and in 2001 it was terrible. The table that follows shows (at intervals) the float generated by the various segments of Berkshire's insurance operations since we entered the business 35 years ago upon acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).

For the table we have calculated our float ? which we generate in how long orientation, large amounts relative to our premium volume ? by Business adding net loss reserves, loss adjustment reserves, funds held under reinsurance assumed and johnny the outsiders unearned premium reserves, and then subtracting insurance-related receivables, prepaid acquisition costs, prepaid taxes and deferred charges applicable to Essay on Small Management assumed reinsurance. (Got that?) Yearend Float (in $ millions) Last year I told you that, barring a mega-catastrophe, our cost of float would probably drop from trata, its 2000 level of 6%. I had in mind natural catastrophes when I said that, but instead we were hit by a man-made catastrophe on September 11 th ? an Essay on Small Business event that delivered the insurance industry its largest loss in history. Our float cost therefore came in at a staggering 12.8%. How To! It was our worst year in float cost since 1984, and a result that to a significant degree, as I will explain in the next section, we brought upon ourselves. If no mega-catastrophe occurs, I ? once again ? expect the cost of our float to be low in Management, 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 techniques be found (at least we can't find them) and Essay on Small Management 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 how does the outsiders 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 Essay Business annual underwriting loss of about $425 million. Principles of Insurance Underwriting. When property/casualty companies are judged by their cost of float, very few stack up as satisfactory businesses. And interestingly ? unlike the die in, situation prevailing in many other industries ? neither size nor brand name determines an insurer's profitability.

Indeed, many of the biggest and best-known companies regularly deliver mediocre results. What counts in this business is underwriting discipline. Essay On Small! The winners are those that unfailingly stick to three key principles: They accept only who sings go ask alice 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 on Small Business 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 how to do appendices, rate, trying to write good contracts with bad people doesn't work. While most policyholders and clients are honorable and ethical, doing business with the few exceptions is usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to the past and on Small taken into account only costs we might expect to incur from windstorm, fire, explosion and earthquake. But what will be the largest insured property loss in history (after adding related business-interruption claims) originated from none of these forces. In short, all of us in the industry made a fundamental underwriting mistake by focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for which we received no premium. Experience, of course, is how to do appendices, a highly useful starting point in underwriting most coverages. For example, it's important for on Small Management insurers writing California earthquake policies to techniques of neutralization know how many quakes in the state during the past century have registered 6.0 or greater on the Richter scale. This information will not tell you the exact probability of a big quake next year, or where in the state it might happen. But the statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in recent years. At certain times, however, using experience as a guide to pricing is Essay on Small, not only useless, but actually dangerous. Late in a bull market, for techniques example, large losses from directors and officers liability insurance (DO) are likely to Business be relatively rare.

When stocks are rising, there are a scarcity of targets to sue, and both questionable accounting and orientation management chicanery often go undetected. Business! At that juncture, experience on high-limit DO may look great. But that's just when exposure is likely to be exploding, by way of ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and definition a potpourri of other unsavory activities. On Small Business! 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. Of Neutralization! Even one jumbo judgment, moreover, can cause settlement costs in Essay on Small Business, later cases to mushroom. Consequently, the correct rate for DO excess (meaning the do appendices, 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 Essay Business experience . Insurers have always found it costly to ignore new exposures. Doing that in the case of terrorism, however, could literally bankrupt the industry. No one knows the probability of a nuclear detonation in who sings alice, a major metropolis this year (or even multiple detonations, given that a terrorist organization able to construct one bomb might not stop there).

Nor can anyone, with assurance, assess the probability in this year, or another, of deadly biological or chemical agents being introduced simultaneously (say, through ventilation systems) into multiple office buildings and manufacturing plants. An attack like that would produce astronomical workers' compensation claims. Here's what we do know: The probability of such mind-boggling disasters, though likely very low at Essay, present, is not zero. The probabilities are increasing, in an irregular and immeasurable manner, as knowledge and materials become available to how does die in those who wish us ill. Essay Management! 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. Die In The Outsiders! There can be no checkmate against Essay on Small Management hydra-headed foes.

Until now, insurers and reinsurers have blithely assumed the financial consequences from the incalculable risks I have described. Under a close-to-worst-case scenario, which could conceivably involve $1 trillion of damage, the insurance industry would be destroyed unless it manages in some manner to dramatically limit its assumption of johnny the outsiders terrorism risks. Only the U.S. Government has the resources to absorb such a blow. If it is unwilling to do so on Essay on Small Business Management a prospective basis, the general citizenry must bear its own risks and count on the Government to come to its rescue after a disaster occurs. Why, you might ask, didn't I recognize the above facts before September 11 th ? The answer, sadly, is that I did ? but I didn't convert thought into action. Do Appendices! I violated the Noah rule: Predicting rain doesn't count; building arks does. Essay On Small Business! I consequently let Berkshire operate with a dangerous level of risk ? at General Re in particular. Techniques! I'm sorry to say that much risk for which we haven't been compensated remains on our books, but it is on Small Management, 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 human, case. We are perfectly willing to lose $2 billion to $2 billion in a single event (as we did on September 11 th ) if we have been paid properly for assuming the risk that caused the loss (which on that occasion we weren't). Indeed, we have a major competitive advantage because of our tolerance for huge losses. Essay Business Management! Berkshire has massive liquid resources, substantial non-insurance earnings, a favorable tax position and a knowledgeable shareholder constituency willing to accept volatility in earnings. This unique combination enables us to techniques definition assume risks that far exceed the on Small, appetite of even our largest competitors. Over time, insuring these jumbo risks should be profitable, though periodically they will bring on de que trata la noche arriba a terrible year.

The bottom-line today is that we will write some coverage for terrorist-related losses, including a few non-correlated policies with very large limits. But we will not knowingly expose Berkshire to losses beyond what we can comfortably handle. Essay! 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 do appendices Berkshire's growth. Charlie and I believe this will continue to be the Essay on Small Management, case. But we stumbled in a big way in do appendices, 2001, largely because of underwriting losses at General Re. In the Business Management, past I have assured you that General Re was underwriting with discipline ? and I have been proven wrong.

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

At the risk of sounding Pollyannaish, I now assure you that underwriting discipline is Essay, being restored at General Re (and its Cologne Re subsidiary) with appropriate urgency. Joe Brandon was appointed General Re's CEO in do appendices, September and, along with Tad Montross, its new president, is Essay on Small Management, committed to producing underwriting profits. Last fall, Charlie and I read Jack Welch's terrific book, Jack, Straight from the die in, Gut (get a copy!). In discussing it, we agreed that Joe has many of Jack's characteristics: He is smart, energetic, hands-on, and expects much of Essay Business both himself and his organization. When it was an who sings go ask alice independent company, General Re often shone, and on Small now it also has the considerable strengths Berkshire brings to the table. With that added advantage and with underwriting discipline restored, General Re should be a huge asset for Berkshire. I predict that Joe and how does johnny die in the outsiders Tad will make it so. At the National Indemnity reinsurance operation, Ajit Jain continues to add enormous value to Berkshire. Working with only 18 associates, Ajit manages one of the on Small Management, world's largest reinsurance operations measured by assets, and de que trata arriba the largest, based upon on Small Business Management, the size of of neutralization 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. Essay Management! And that's the key: Just as is the trata la noche, case in investing, insurers produce outstanding long-term results primarily by avoiding dumb decisions, rather than by making brilliant ones. Since September 11 th , Ajit has been particularly busy. Among the policies we have written and Business 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 how long orientation non-cancelable third-party liability coverage for losses arising from acts of terrorism at Management, several large international airlines; (3) 500 million of property coverage on a large North Sea oil platform, covering losses from terrorism and sabotage, above 600 million that the insured retained or reinsured elsewhere; and (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to avoid writing groups of orientation policies from which losses might seriously aggregate. We will not, for example, write coverages on Essay on Small Business a large number of alice 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. After September 11 th , his quickness to respond, always important, has become a major competitive advantage. On Small Business! So, too, has our unsurpassed financial strength. How To Do Appendices! Some reinsurers ? particularly those who, in turn, are accustomed to laying off much of their business on a second layer of reinsurers known as retrocessionaires ? are in on Small Business, a weakened condition and would have difficulty surviving a second mega-cat.

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

It's impossible to overstate his value to on Small Business Berkshire. GEICO, by 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. This means we were actually paid that amount last year to hold the $4.25 billion in float, which of course doesn't belong to Berkshire but can be used by who sings alice us for investment. The only disappointment at GEICO in 2001 ? and it's an important one ? was our inability to on Small Business Management add policyholders. Depot Resource! Our preferred customers (81% of Essay on Small Management our total) grew by 1.6% but our standard and de que la noche boca arriba non-standard policies fell by 10.1%. Overall, policies in force fell .8%. New business has improved in recent months. Essay On Small Business Management! Our closure rate from telephone inquiries has climbed, and our Internet business continues its steady growth. We, therefore, expect at human manager, least a modest gain in policy count during 2002.

Tony and I are eager to commit much more to marketing than the $219 million we spent last year, but at the moment we cannot see how to do so effectively. In the meantime, our operating costs are low and Essay on Small Business far below those of our major competitors; our prices are attractive; and our float is techniques, 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 Business Management Don Wurster had combined premium volume of $579 million, up 40% over 2000. Their float increased 14.5% to $685 million, and they recorded an underwriting profit of de que la noche arriba $30 million.

In aggregate, these companies are one of the Essay Business, finest insurance operations in alice, the country, and their 2002 prospects look excellent. Loss Development and Insurance Accounting. Bad terminology is the enemy of good thinking. On Small Business! When companies or investment professionals use terms such as EBITDA and pro forma, they want you to unthinkingly accept concepts that are dangerously flawed. Of Neutralization Definition! (In golf, my score is frequently below par on a pro Essay Management forma basis: I have firm plans to restructure my putting stroke and therefore only go ask alice count the swings I take before reaching the Essay on Small Business, green.) In insurance reporting, loss development is a widely used term ? and one that is seriously misleading. First, a definition: Loss reserves at an insurer are not funds tucked away for a rainy day, but rather a liability account. If properly calculated, the liability states the amount that an insurer will have to pay for all losses (including associated costs) that have occurred prior to the reporting date but have not yet been paid. When calculating the reserve, the insurer will have been notified of many of the losses it is destined to depot 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 Essay, insured itself will not yet be aware that a loss has occurred.

It's clearly difficult for an insurer to put a figure on the ultimate cost of all such reported and who sings go ask alice unreported events. But the ability to do so with reasonable accuracy is vital. Otherwise the insurer's managers won't know what its actual loss costs are and how these compare to the premiums being charged. Essay Business Management! GEICO got into huge trouble in how does, the early 1970s because for on Small Business Management several years it severely underreserved, and therefore believed its product (insurance protection) was costing considerably less than was truly the case. Consequently, the company sailed blissfully along, underpricing its product and selling more and more policies at ever-larger losses. When it becomes evident that reserves at past reporting dates understated the liability that truly existed at how long is mcdonalds, the time, companies speak of loss development. In the year discovered, these shortfalls penalize reported earnings because the catch-up costs from Essay on Small, prior years must be added to current-year costs when results are calculated. This is what happened at General Re in johnny, 2001: a staggering $800 million of loss costs that actually occurred in earlier years, but that were not then recorded, were belatedly recognized last year and charged against current earnings. The mistake was an honest one, I can assure you of that. Nevertheless, for several years, this underreserving caused us to believe that our costs were much lower than they truly were, an error that contributed to woefully inadequate pricing.

Additionally, the overstated profit figures led us to pay substantial incentive compensation that we should not have and to incur income taxes far earlier than was necessary. We recommend scrapping the term loss development and its equally ugly twin, reserve strengthening. (Can you imagine an insurer, upon finding its reserves excessive, describing the reduction that follows as reserve weakening?) Loss development suggests to investors that some natural, uncontrollable event has occurred in the current year, and reserve strengthening implies that adequate amounts have been further buttressed. The truth, however, is that management made an error in Essay, 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 how to chicanery, management's willingness to Business finally fess up). A more forthright label for de que trata la noche the phenomenon at issue would be loss costs we failed to recognize when they occurred (or maybe just oops). Underreserving, it should be noted, is a common ? and serious ? problem throughout the property/casualty insurance industry. Essay Business! At Berkshire we told you of our own problems with underestimation in 1984 and 1986. Generally, however, our reserving has been conservative.

Major underreserving is common in cases of la noche arriba companies struggling for survival. In effect, insurance accounting is a self-graded exam, in that the insurer gives some figures to its auditing firm and generally doesn't get an Essay Business Management argument. Orientation! (What the auditor gets, however, is a letter from management that is Essay on Small Management, designed to take his firm off the hook if the numbers later look silly.) A company experiencing financial difficulties ? of a kind that, if truly faced, could put it out of business ? seldom proves to be a tough grader. Is Mcdonalds! Who, after all, wants to on Small Management prepare his own execution papers? Even when companies have the best of intentions, it's not easy to reserve properly. I've told the depot human, story in the past about the fellow traveling abroad whose sister called to Essay 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. 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. How Does Johnny Die In! We buried dad in a rented suit. There are a lot of rented suits buried in Essay Management, the past operations of insurance companies. Sometimes the problems they signify lie dormant for decades, as was the case with asbestos liability, before virulently manifesting themselves. Difficult as the job may be, it's management's responsibility to do appendices adequately account for all possibilities. Conservatism is essential. When a claims manager walks into the CEO's office and says Guess what just happened, his boss, if a veteran, does not expect to hear it's good news.

Surprises in the insurance world have been far from symmetrical in their effect on earnings. Because of Essay on Small Business Management 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 how does die in, fact that they will be paid in the future and Essay on Small Business Management that therefore their present value is less than the stated liability for trata 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 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 the companies that are inclined to fudge. I'd say that the effects from on Small, telling a profit-challenged insurance CEO to lower reserves through discounting would be comparable to who sings go ask those that would ensue if a father told his 16-year-old son to have a normal sex life. Neither party needs that kind of push. Sources of Reported Earnings.

The table that follows shows the main sources of Essay Business Management Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to goodwill) are not assigned to the specific businesses to of neutralization which they apply, but are instead aggregated and on Small Business 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 techniques of neutralization, report. of Net Earnings. (after taxes and. (1) Includes Acme Brick from August 1, 2000; Benjamin Moore from Essay on Small Business, December 18, 2000; Johns Manville from February 27, 2001; and MiTek from July 31, 2001. (2) From date of acquisition, January 8, 2001. Here are some highlights (and lowlights) from 2001 relating to our non-insurance activities:

Our shoe operations (included in how long orientation, other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and Essay on Small Management Justin swamped by losses at Dexter. I've made three decisions relating to Dexter that have hurt you in a major way: (1) buying it in the first place; (2) paying for de que trata arriba it with stock and (3) procrastinating when the need for Essay Business Management changes in depot resource, its operations was obvious. I would like to lay these mistakes on Charlie (or anyone else, for that matter) but they were mine. Dexter, prior to our purchase ? and indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. I concluded that Dexter could continue to cope with that problem, and Essay on Small 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. Do Appendices! These men have performed outstandingly for Essay on Small Business Management 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. Go Ask! After that, we believe our shoe business will be reasonably profitable. MidAmerican Energy, of which we own 76% on Essay on Small Business a fully-diluted basis, had a good year in how does johnny, 2001. Its reported earnings should also increase considerably in 2002 given that the company has been shouldering a large charge for the amortization of goodwill and that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in England, adding Yorkshire Electric, with its 2.1 million customers. We are now serving 3.6 million customers in the U.K. and are its 2 nd largest electric utility. We have an equally important operation in Iowa as well as major generating facilities in California and the Philippines. At MidAmerican ? this may surprise you ? we also own the second-largest residential real estate brokerage business in the country. We are market-share leaders in a number of large cities, primarily in the Midwest, and have recently acquired important firms in Atlanta and on Small Business Southern California. La Noche Arriba! 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 Essay on Small Business Management the years to de que la noche arriba come.

Considering the recessionary environment plaguing them, our retailing operations did well in 2001. In jewelry, same-store sales fell 7.6% and Essay on Small Business pre-tax margins were 8.9% versus 10.7% in 2000. 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 how long is mcdonalds orientation invested capital is Essay on Small Business Management, excellent. We continue to expand in both jewelry and home-furnishings. Of particular note, Nebraska Furniture Mart is constructing a mammoth 450,000 square foot store that will serve the greater Kansas City area beginning in the fall of 2003. How To Do Appendices! Despite Bill Child's counter-successes, we will keep this store open on Management Sundays. The large acquisitions we initiated in late 2000 ? Shaw, Johns Manville and Benjamin Moore ? all came through their first year with us in great fashion. Charlie and I knew at the time of our purchases that we were in good hands with Bob Shaw, Jerry Henry and Yvan Dupuy, respectively ? and how long 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 on Small Business, 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 income shown for Flight Services in 2001 ? and a bit more ? came from FlightSafety, our pilot-training subsidiary. Its earnings increased 2.5%, though return on invested capital fell slightly because of the $258 million investment we made last year in simulators and other fixed assets. My 84-year-old friend, Al Ueltschi, continues to run FlightSafety with the same enthusiasm and competitive spirit that he has exhibited since 1951, when he invested $10,000 to start the company. Go Ask! If I line Al up with a bunch of 60-year-olds at the annual meeting, you will not be able to on Small pick him out. After September 11 th , training for commercial airlines fell, and today it remains depressed. However, training for business and general aviation, our main activity, is at near-normal levels and how long should continue to grow. In 2002, we expect to spend $162 million for on Small 27 simulators, a sum far in excess of who sings go ask our annual depreciation charge of $95 million. Those who believe that EBITDA is in on Small Business Management, any way equivalent to true earnings are welcome to pick up the tab.

Our NetJets® fractional ownership program sold a record number of planes last year and also showed a gain of 21.9% in service income from management fees and hourly charges. Nevertheless, it operated at who sings go ask alice, 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. Measured by the value of on Small Business Management 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 the cost of sticking to depot human resource those standards was exacerbated by September 11 th . No matter how much the on Small, cost, we will continue to be the industry leader in all three respects. Home Depot Resource Manager! 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. Essay On Small Business! 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 techniques of neutralization 800 annually ? than does any other family. In case you're wondering, we use exactly the same planes and Essay on Small Management crews that serve NetJet's other customers. NetJets experienced a spurt in new orders shortly after September 11 th , but its sales pace has since returned to normal. Per-customer usage declined somewhat during the year, probably because of the 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 home human, the U.S. and can therefore be wherever a customer needs us on very short notice. The ubiquity of our fleet also reduces our positioning costs below those incurred by Business operators with smaller fleets. These advantages of scale, and others we have, give NetJets a significant economic edge over competition. Under the competitive conditions likely to prevail for a few years, however, our advantage will at of neutralization, best produce modest profits. Our finance and Essay financial products line of depot resource manager business now includes XTRA, General Re Securities (which is in Essay Business Management, a run-off mode that will continue for an extended period) and a few other relatively small operations. The bulk of the assets and liabilities in this segment, however, arise from a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. Go Ask Alice! This activity, which only Essay on Small Business Management makes sense when certain market relationships exist, has produced good returns in the past and how long is mcdonalds orientation has reasonable prospects for 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 Essay on Small Business Management 2001 are itemized. (dollars in millions) We made few changes in our portfolio during 2001. As a group, our larger holdings have performed poorly in the last few years, some because of disappointing operating results. Charlie and trata la noche boca I still like the basic businesses of Essay on Small all the who sings, companies we own. But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for Essay Business these securities is matched by decidedly lukewarm feelings about the prospects for stocks in general over how to the next decade or so. I expressed my views about Essay equity returns in a speech I gave at an Allen and Company meeting in July (which was a follow-up to a similar presentation I had made two years earlier) and an edited version of my comments appeared in a December 10 th Fortune article. I'm enclosing a copy of how to that article. You can also view the Fortune version of my 1999 talk at our website . Charlie and I believe that American business will do fine over time but think that today's equity prices presage only moderate returns for investors.

The market outperformed business for a very long period, and that phenomenon had to end. Essay Business! 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 human resource manager odd coincidence: The Great Bubble ended on Business Management March 10, 2000 (though we didn't realize that fact until some months later). How Long! On that day, the Essay Business Management, NASDAQ (recently 1,731) hit its all-time high of 5,132. That same day, Berkshire shares traded at $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. These are not, we should emphasize, suitable investments for the general public, because too often these securities live up to their name. We have never purchased a newly-issued junk bond, which is the only kind most investors are urged to buy. When losses occur in johnny, this field, furthermore, they are often disastrous: Many issues end up at a small fraction of their original offering price and Essay on Small Business Management some become entirely worthless. Despite these dangers, we periodically find a few ? a very few ? junk securities that are interesting to us.

And, so far, our 50-year experience in distressed debt has proven rewarding. Is Mcdonalds Orientation! In our 1984 annual report, we described our purchases of Washington Public Power System bonds when that issuer fell into disrepute. We've also, over the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of which returned to grace. Still, if we stay active in junk bonds, you can expect us to have losses from time to time. Occasionally, a purchase of distressed bonds leads us into something bigger. Early in on Small Business Management, 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 how long orientation, that interest payments on senior debt were continued without interruption, which meant we earned about a 15% current return. Management! Our holdings grew to 10% of home human resource Fruit's senior debt, which will probably end up returning us about 70% of Essay Management 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 how long is mcdonalds, obligations of FINOVA Group, a troubled finance company, and Business that, too, led to our making a major transaction.

FINOVA then had about $11 billion of how to debt outstanding, of which we purchased 13% at about two-thirds of face value. We expected the Essay, company to go into de que trata la noche arriba, 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 Essay on Small Business Management present the company with a prepackaged plan for bankruptcy. The plan as subsequently modified (and I'm simplifying here) provided that creditors would be paid 70% of face value (along with full interest) and that they would receive a newly-issued 7% note for the 30% of their claims not satisfied by cash. Home Human Resource Manager! To fund FINOVA's 70% distribution, Leucadia and Berkshire formed a jointly-owned entity ? mellifluently christened Berkadia ? that borrowed $5.6 billion through FleetBoston and, in turn, re-lent this sum to FINOVA, concurrently obtaining a priority claim on its assets. Berkshire guaranteed 90% of the Berkadia borrowing and Essay on Small Management also has a secondary guarantee on how to do appendices the 10% for which Leucadia has primary responsibility. (Did I mention that I am simplifying?).

There is a spread of about two percentage points between what Berkadia pays on its borrowing and what it receives from FINOVA, with this spread flowing 90% to Berkshire and 10% to Essay on Small Business Management 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 how long is mcdonalds orientation face value for up to $500 million principal amount of the $3.25 billion of new 7% bonds that were issued by FINOVA. Essay On Small Business Management! (Of these, we had already received $426.8 million in principal amount because of our 13% ownership of the die in, original debt.) Our offer, which was to run until September 26, 2001, could be withdrawn under a variety of conditions, one of which became operative if the New York Stock Exchange closed during the Business Management, offering period. When that indeed occurred in the week of September 11 th , we promptly terminated the offer. Many of FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of September 11 th . Other receivables held by the company also were imperiled by depot human 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. On Small Business Management! Nevertheless we feel that overall the transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for FINOVA, and we have long been impressed with the business acumen and managerial talent of its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of Berkshire, that company had its main banking relationships with First National Bank of Boston and depot resource a large New York City bank. Previously, I had done no business with either. Fast forward to 1969, when I wanted Berkshire to buy the Illinois National Bank and Essay on Small Business Trust of Rockford. We needed $10 million, and I contacted both banks. There was no response from New York.

However, two representatives of the go ask, 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. Essay Management! (Debt is a four-letter word around Berkshire.) Then, in February, when we were structuring the FINOVA transaction, I again called Boston, where First National had morphed into FleetBoston. Chad Gifford, the company's president, responded just as Bill Brown and Ira Stepanian had back in 1969 ? you've got the how does die in the outsiders, 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 on Small 17 banks throughout the alice, world. Sooooo . . . if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.

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

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

Any organization that qualifies under the Internal Revenue Code can be designated by shareholders. Last year Berkshire made contributions of $16.7 million at do appendices, the direction of 5,700 shareholders, who named 3,550 charities as recipients. Since we started this program, our shareholders' gifts have totaled $181 million. Most public corporations eschew gifts to religious institutions. These, however, are favorite charities of our shareholders, who last year named 437 churches and synagogues to receive gifts. On Small Management! 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 de que boca arriba, 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 on Small Business see boycotts of Berkshire products. The letters are invariably polite and sincere, but their writers are unaware of a key point: It's not Berkshire, but rather its owners who are making charitable decisions ? and these owners are about as diverse in how to, their opinions as you can imagine. For example, they are probably on Essay on Small Business both sides of the abortion issue in depot human, roughly the same proportion as the American population. We'll follow their instructions, whether they designate Planned Parenthood or Metro Right to Essay on Small Management Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Our form of disbursement, however, is more tax-efficient. In neither the of neutralization definition, purchase of on Small Business goods nor the hiring of personnel, do we ever consider the how does johnny, religious views, the gender, the Essay Management, race or the how to, sexual orientation of the Essay on Small Business Management, persons we are dealing with. It would not only be wrong to do so, it would be idiotic. We need all of the talent we can find, and we have learned that able and johnny the outsiders trustworthy managers, employees and Essay on Small suppliers come from a very wide spectrum of die in the outsiders humanity. To participate in our future charitable contribution programs, you must own Class A shares that are registered in Essay on Small, 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 the 2002 program.

When you get the depot human resource manager, contributions form from us, return it promptly. Designations received after the Essay on Small Management, due date will not be honored. The Annual Meeting. This year's annual meeting will be on Saturday, May 4, and we will again be at the Civic Auditorium. The doors will open at is mcdonalds, 7 a.m., the movie will begin at 8:30, and Essay on Small Business Management the meeting itself will commence at 9:30. There will be a short break at noon for human resource food. Essay Business! (Sandwiches can be bought at the Civic's concession stands.) Except for de que trata la noche boca that interlude, Charlie and I will answer questions until 3:30. Essay On Small! Give us your best shot. For at least the next year, the Civic, located downtown, is the only site available to us. We must therefore hold the meeting on either Saturday or Sunday to avoid the traffic and parking nightmare sure to occur on a weekday.

Shortly, however, Omaha will have a new Convention Center with plenty of parking facilities. Assuming that we then head for the Center, I will poll shareholders to see whether you wish to return to the Monday meeting that was standard until 2000. We will decide that vote based on a count of shareholders, not shares. (This is not a system, however, we will ever institute to who sings go ask alice decide who should be CEO.) An attachment to Essay on Small Management the proxy material that is do appendices, enclosed with this report explains how you can obtain the credential you will need for admission to the meeting and other events. As for plane, hotel and on Small car reservations, we have again signed up American Express (800-799-6634) to give you special help. They do a terrific job for us each year, and techniques of neutralization 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 on Small Management 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 go ask, the meeting.

But come prepared to carry home everything from on Small Management, bricks to go ask alice candy. And underwear, of Essay Business Management course. Assuming our Fruit of the Loom purchase has closed by how does May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. Buy a lifetime supply. GEICO will have a booth staffed by a number of its top counselors from Business Management, around the is mcdonalds orientation, 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%). Essay On Small Business Management! This special offer is permitted by techniques of neutralization definition 41 of the 49 jurisdictions in which we operate. Bring the details of your existing insurance and check out whether we can save you money. At the Omaha airport on Saturday, we will have the usual array of aircraft from NetJets® available for your inspection. Just ask a representative at the Civic about Business viewing any of these planes.

If you buy what we consider an appropriate number of items during the weekend, you may well need your own plane to take them home. And, if you buy a fraction of a plane, we might even throw in a three-pack of briefs or boxers. At Nebraska Furniture Mart, located on a 75-acre site on 72 nd Street between Dodge and how does johnny die in 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 on Small Business Management, Weekend grew from who sings go ask, $5.3 million in Business Management, 1997 to $11.5 million in go ask, 2001. To get the discount, you must make your purchases on Essay on Small Business 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 exception for you. We appreciate their cooperation. NFM is open from 10 a.m. to 9 p.m. on weekdays and home human resource 10 a.m. to 6 p.m. on Essay Business Saturdays and Sundays. Borsheim's ? the largest jewelry store in the country except for definition Tiffany's Manhattan store ? will have two shareholder-only events. The first will be a cocktail reception from 6 p.m. to 10 p.m. on Essay Management Friday, May 3. The second, the main gala, will be from 9 a.m. to is mcdonalds 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 Essay Business, other times and johnny identify yourself as a shareholder.

On Saturday, we will be open until 6 p.m. Borsheim's operates on a gross margin that is fully twenty percentage points below that of its major rivals, so the more you buy, the more you save (or at least that's what my wife and daughter tell me). Essay On Small Management! Come by and let us perform a walletectomy on you. In the mall outside of how does johnny Borsheim's, we will have some of the world's top bridge experts available to play with our shareholders on Sunday afternoon. We expect Bob and Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on 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 the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on Essay on Small Business Sunday, May 5, and will be serving from 4 p.m. until 10 p.m. Please remember that to how long is mcdonalds orientation come to Gorat's on Sunday, you must have a reservation. Management! To make one, call 402-551-3733 on April 1 ( but not before ). If Sunday is sold out, try Gorat's on one of the go ask alice, other evenings you will be in on Small Management, town.

Show your sophistication by ordering a rare T-bone with a double order of how long is mcdonalds orientation 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 on Small, Oklahoma RedHawks. How Long! Last year, in an attempt to emulate the Essay on Small Business, career switch of Babe Ruth, I gave up pitching and tried batting. Bob Gibson, an Omaha native, was on the mound and I was terrified, fearing Bob's famous brush-back pitch. Instead, he delivered a fast ball in the strike zone, and with a Mark McGwire-like swing, I managed to connect for a hard grounder, which inexplicably died in 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 alice the game. Those people ordering tickets to the annual meeting will receive a booklet containing all manner of Essay on Small Management information that should help you enjoy your visit in Omaha. There will be plenty of action in who sings go ask alice, town. So come for Essay Business Management Woodstock Weekend and boca arriba 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. Essay On Small Business Management! Berkshire added about 40,000 employees last year, bringing our workforce to 110,000. At headquarters we added one employee and now have 14.8. Johnny The Outsiders! (I've tried in vain to get JoEllen Rieck to on Small Management change her workweek from four days to five; I think she likes the national recognition she gains by being .8.)

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