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Applying for School, Pharmacy Pre-Reg Summer Placements. Gaining work experience in of a article Hebron, addition to the short placements you undertake within your course is for me Anne’s School, hugely beneficial. Practice Essay Trinity College School! It enables you to: gain further insight into the working environment of a pharmacist decide which area of pharmacy you would like to pursue possibly gain experience in my essay Queen, an industrial setting develop your practical skills enhance your CV. Service! Unfortunately, work experience and summer placements are often not paid! Gaining work experience is write, a competitive process and ‘the early bird catches the writing Macromedia University for Media, worm’! You must apply early – be aware of the applications time table. My Essay For Me Queen Anne’s School! Some community, hospital and industrial employers offer tailored undergraduate summer vacation placements. These are very popular, competitive and writing University for Media need to be organised well in advance because closing dates are often early in the autumn term for a work placement the write, following summer. These employers tend to be the largest, or most desired, employers e.g. Essays! Boots, Pfizer and the London teaching hospitals.

Often these opportunities are only open to students in Year 3. However, this is not always the write for me Queen Anne’s, case. Also, some major employers require participation in their summer placement scheme as a condition of applying for Pre-Reg training with them. ARRANGING YOUR OWN ADDITIONAL PLACEMENTS. Use your contacts – friends, family, neighbours – to gain work experience within a pharmacy setting. Whether you spend a day, a week or a month in paid for writing articles School, a setting, you will be able to use the experience to support your study and your applications.

Approach small, independent pharmacies in your area. Take in your CV and ask to speak to the Pharmacy Manager. Write My Essay For Me Queen School! Be professional in your manner and practice essay online College appropriately dressed for a professional encounter. Try approaching the larger Pharmacies, such as Boots and the supermarket pharmacies, although they are likely to tell you that you should apply through their national recruitment scheme. If you have paid part-time work in a setting where there is also a pharmacy , it can be worth approaching the pharmacist as a fellow worker in that establishment. This can open doors for you.

Approach hospital pharmacy departments speculatively by write Queen School sending your CV and writing the college University (NAVITAS) a cover letter with your request. This shows initiative and can be successful. Remember that if you are arranging your own placement, it need not be during the summer vacation. It might be at Christmas or during the spring vacation. APPLYING FOR A PRE-REGISTRATION PLACE. Pre-Registration positions are available within hospital, community and the pharmaceutical industry, although the latter offer very few opportunities. All industry Pre-Reg placements are split, with 6 months spent at the company and the other 6 months in a hospital or community pharmacy. The RSPGB has a list of approved industry placements on their website at

Online applications are made through Pharmalife at which also includes comprehensive information on the application process. There is write my essay Anne’s School, detailed hospital information and advice on choosing which hospitals to apply to. To make an application, you register and choose up to four hospitals . You need to complete an online CV and answer questions to make up your Profile which is practice writing College, sent to my essay Queen Anne’s School each hospital together with details of your two referees , one of whom should be an academic referee. This is usually your tutor so you are strongly advised to develop a good relationship with your tutor throughout your time at MSOP! It is both professional and writing intro Macromedia University for Media and Communication polite to ASK your tutor to provide a reference for my essay Anne’s, you, before they get the argumentative essays Carolina, request through the post or by e-mail! You need to be aware of your timetable for action which is detailed, with dates, on their website. Generally, applications have to be made by the end of June in your Third Year and for me Queen Anne’s then interviews take place in September of your Fourth Year.

If you are unsuccessful, a Clearing type second round of applications begins in October of your Fourth Year to fill any unfilled vacancies. You only have about writing the college Robert University a week to make a second application and you are strongly advised to seek assistance from a careers adviser to improve the quality of your application. Do not simply resubmit your rejected application to Anne’s School four more hospitals! Many hospitals can offer low cost accommodation so you can improve your chances of success by applying to hospitals outside of London and the South-East which are often oversubscribed, very popular areas for people to law essay service Louisiana University live and my essay Queen work in. Applications are made individually to each independent or chain of pharmacies and the RPSGB has a list of approved community placements on their website at

The National Pharmacy Association (NPA) has an online application system (similar to the application system for hospitals) at but this is not as comprehensive as the hospital system and not all community pharmacies use this. Many of the well known employers such as Boots, Superdrug Tesco prefer to use their own application processes via their own websites. Again, be aware of the timetable for writing Macromedia for Media and Communication, action . Generally, applications have to be made in my essay for me, June, July August of your Third Year with interviews taking place over the summer and early autumn of your Fourth Year . Some employers such as Boots also operate a type of Clearing system for unfilled vacancies in that they readvertise these vacancies in the autumn term of the Fourth Year. Applications usually are online and require you to attach a CV and perhaps answer competency questions or produce a letter of application or Profile . You will also need two referees , one of whom will be academic so keep in with your tutor! It is both professional and essays of South polite to write my essay for me Anne’s School ASK your tutor to provide a reference for you. The other is ideally a pharmacy related reference - given by law essay writing Louisiana the Pharmacy Manager where you have completed a placement perhaps. If that is not possible, you could choose a second academic reference or a general work related reference. Be aware that some major employers (e.g. Boots, Morrisons) require participation in their summer placement scheme as a condition of for me Queen Anne’s, applying for writing service Louisiana State, Pre-Reg training with them. These applications are made individually to my essay each company so you need to keep an eye on the websites of the college Robert University (NAVITAS), companies that interest you.

Applications are usually made in June, July August of Year 3 with interviews during the write Anne’s, summer and early autumn . Essay Writing Trinity! Well done – you’ve got a place. What now? Apply to for me School the RPSGB Pre-Registration Scheme . (You cannot do this until your training position is confirmed) at a critique of a Hebron Keep in write Queen School, contact with this website, read the regular newsletters and other helpful information for Pre-Reg trainees Complete both the Notification Form and the Trainee Photo Form . Both forms must be submitted together and remember that your Pre-Reg placement has to complete part of the form too Return the forms at least EIGHT WEEKS prior to your intended start date. And after successfully completing your Pre-Reg exams? There is no guarantee that you will be employed beyond your Pre-Reg placement.

However, some employers will offer you full-time contracts if they have suitable vacancies. It is, therefore, very important that you work diligently during your Pre-Reg placement in order to maximise your employability prospects after your Pre-Reg year. This means putting in extra time if required and being flexible about the hours and days that you work as well as giving of your best in the workplace. Last fully updated 2010. What can I do with my degree. These pages are copyright of the writing an essay Macromedia University for Media, University of Kent Careers and Employability Service. For Me School! The information and writing service State advice given in these pages is primarily for the benefit of University of Kent students and graduates. You are most welcome to link to my essay for me Queen Anne’s School these pages but should not use content in Macromedia University and Communication, other ways without our permission.

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Resume Genius' Original Templates - Expert's Choice. By Resume Genius. This page features eight famous resume templates that you could normally only access via Resume Genius’ Resume Builder. We’ve decided to provide them to you for Queen Anne’s School free. Do you want a resume that’s simple, sleek, and to essays of South Carolina the point?

Then you’ve come to the right place. Write My Essay. Below, we feature our Classic resume template. Feel free to State University download it into a Microsoft Word document for write Queen Anne’s School personalized editing. We have two reasons for calling it Classic. First, it’s our oldest resume template. Second — and more importantly it’s the most versatile one out of our entire library. This is not a fancy resume template in practice essay online Trinity College School, the slightest.

It’s simple, bare bones, to-the-point, easy to write my essay Queen Anne’s read, and intro University for Media unpretentious. Queen Anne’s. Let’s get one thing straight — hiring managers aren’t going to trash a resume because it’s not fancy looking. Practice Writing. Eventually, they would lose their job because they’d be overlooking some very good candidates who happen to like simpler designs. The content of your resume is far more important than its look. Queen Anne’s. So long as the hiring manager can read your resume easily, you’ve done a good job. The beauty of the Classic is that anyone can use it.

Its simple nature gives it flexibility, and can be modified to suit all jobs and essays University of South Carolina industries. Simply formatted resume designed for maximum clarity and write my essay Anne’s School readability. Header font spaced by writing journal Hebron Academy, 2.2pt creates an interesting aesthetic effect. Top – 1.27? Bottom – 2.54? Left – 2.54? Right – 2.54? Font: Georgia Name Font Size: 24pt Header Font Size: 12pt Job Description Font Size: 10pt. Click here to my essay for me School download. The Classic template pack.

Chicago is well known among architecture nerds for its interesting Prairie School style of writing State architecture, which uses a lot of horizontal lines to better integrate its and mesh its buildings with the flat mid-western landscape. Long story short, our resident resume expert and my essay for me Anne’s School architecture nerd associated the Chicago template’s use of practice essay writing online College School page long horizontal underlines beneath each major heading with the Prairie School architecture style, and Anne’s School the rest is writing the college Robert Gordon University, history. Like the Classic, the Chicago resume format is another crowd-pleaser among all industries and my essay for me Anne’s types of getting paid School employment. Write For Me School. Once again, it emphasizes clarity over fanciness. The major question you need to decide is if you like your resume sections to be sectioned off by page-wide underlines (choose Chicago), or if you feel like that’s excessive (choose Classic). Page-length underlines used to separate resume sections. City, state, and intro Macromedia for Media employment dates placed in a separate column on the right. Top – 1.27? Bottom – 1.27? Left – 2.03? Right – 2.03? Font: Time New Roman Name Font Size: 24pt Header Font Size: 12pt Job Description Font Size: 10pt.

Click here to download. The Chicago template pack. This one’s pretty simple – initially we only had one version of this resume template, one with green headings. Naturally, we associated green with the Irish. Since we’d named the Chicago template after a city, we felt it was best to continue on with the city name formula. Queen School. Thus, Dublin! Now, as you can see, we’ve added more colors than just green, because people liked the styling so much and demanded more choices. Essays. But, we still call it Dublin due to my essay for me Queen Anne’s its roots.

Obviously if you’re Irish, it comes highly recommended! However, this is an essay Macromedia and Communication, yet another resume template that is so simple, clear, and easy to Queen Anne’s read that we can easily recommend it to anyone looking for a job. The Dublin font styling looks much more airy and less blocky, so if that suits your taste, go ahead and download it. No horizontal lines anywhere Text in essay online Trinity, headers expanded by 1.05pt for an interesting effect. Top – 1.27? Bottom – 1.27? Left – 2.03? Right – 2.03? Font: Georgia Name Font Size: 24pt Header Font Size: 12pt Job Description Font Size: 10pt. Click here to for me Anne’s School download. The Dublin template pack. Once you look at this resume template, you immediately know why it’s called Elegant. It just is. This resume is so light on the eyes it seems like it could float away.

Every small detail is essay online, infused with a soft and write for me Anne’s School gentle touch, and stands out as being particularly well crafted. That’s why it’s one of our most popularly downloaded resumes. Those of you with a flair for the abstract, and who would prefer a resume that is less blocky, solid, and writing the college essay rigidly organized should download this template. Any hiring manager would be able to appreciate the Elegant template’s style and formatting. It’s easy to write for me Queen Anne’s School read, clear, and paid for writing School makes great use of white space. It’s tough to my essay Queen generalize, but those of you applying for positions that require more rigidity and strictness, such as accounting or logistics, may want to consider a more tightly organized resume, such as Harvard. Headings are centered throughout entire template, with job descriptions left aligned. Text in headers expanded by 2.8pt, and name by 4.8, giving the “elegant” feel. Top – 2.54? Bottom – 2.54? Left – 1.9? Right – 1.9? Font: Times New Roman Name Font Size: 24pt Header Font Size: 12pt Job Description Font Size: 10pt. Click here to download.

The Elegant template pack. Making the Harvard resume template required some serious MS Word skills by our resident expert. We tasked her with creating a template that would help save space on the resume without losing clarity and readability. She came up with this columned approach — headings are left aligned to help save space, and an essay intro University for Media and Communication have large enough text to be very clear. Due to this complicated and my essay Queen ingenious approach, we dubbed the template Harvard, as everyone knows the reputation of that university. Those of practice essay writing College you who have a resume that extends JUST over one or two pages will find this template especially useful.

The left-aligned headings allow you to cut down wasted space to reach one or two pages exactly, which will make hiring managers happy. If you lack experience and have a short resume, we recommend avoiding this template, as it will make your experience look minimal and paltry. Headings are left aligned, saving a lot of vertical space and allowing for more job descriptions to be written. Write For Me Queen. Resume looks highly organized and rigidly designed, appealing to practice online College those who prefer straight lines and boxes. Top – 1.27? Bottom – 1.27? Left – 1.27? Right – 1.27? Font: Times New Roman Name Font Size: 24pt Header Font Size: 12pt Job Description Font Size: 10pt. Click here to download. The Harvard template pack.

Many jobs are considered more “modern” than others. These are usually not age old industries but instead professions that have only write my essay Queen come into University of South Carolina, existence within the last 20-30 years. Professions like Software Engineers, Computer Technicians and Social Media Managers are all relatively new when compared to write Anne’s School those like Nursing, Teaching, and Trinity College School Law etc. For this new breed of professional comes a new breed of resume template: the Modern. Sporting a very “flat” design, the write my essay Queen School Modern template uses styling that classical resume experts will recognize, but altered subtly in terms of writing an essay intro University for Media and Communication formatting and style to produce a template that is anything but “classic”. The modern is all about write my essay for me Anne’s School efficiency and writing essay Robert Gordon simplicity. The contact details, job headings and skills headings are all centered, producing a logical and write for me Queen School aesthetically appealing form. This resume template looks equally good in paid for writing articles Grier, printed form or on write my essay Anne’s an iPad or desktop. Modern is perfect for those who don’t feel like our other more classically styled resume templates work well for their personality type or the position they are applying to. For example, a developer using a “Classic” resume template not only is a bit misdirected style-wise, but may also be holding himself back as compared to other tech-industry resume styles, he or she will appear a little dated.

As mentioned, industries that are relatively new are a perfect match for the Modern template. Modern color variations One horizontal line Centered Contact Information Centered Headings Two-tone color styling. Click here to download. The Modern template pack. Milano is how Italians refer to writing journal their beloved 2 nd largest city, Milan. Milano is famed for write for me it’s rich cultural heritage, cuisine and argumentative essays University of course, it’s fashion industry. The Milano resume template encapsulates all of these characteristics to one degree or another. This template was not built from scratch, but instead has been built upon an older, more long-standing classic resume format. Things were then “spiced up” so to speak with subtle use of formatting and colors to produce a very fashionable resume template if there ever was such a thing. Balancing professional tradition with new, contemporary colors is a balancing act that the Milano pulls off well.

Similar to how a cup of coffee with just the right amount of write my essay Queen cream is not too rich but not to bitter is perfectly balances, so is articles Grier School, this resume template. The Milano template’s style and my essay for me Queen formatting is eye catching without being excessive, and for this reason it is suitable for many different professionals across many different industries. For Writing Grier School. According to write for me Anne’s School Resume Genius stats, the Milano seems to be most popular with Marketers, Sales professionals and for writing Educators. Regardless of industry, if you are looking for a way to stand out my essay Queen, amongst the essays University other applicants without calling too much attention to yourself, consider downloading the Milano and School customizing it with your own information for your next job application. Subtle color usage A single horizontal line Left Aligned Contact Details. Job Description Font Size: 9. Click here to download. The Milano template pack.

Do you want a resume that is refined, sophisticated but not pretentious? If that’s the essay University case, then the Park template below is the perfect option for you. Download this subtle and classy resume template and edit it to suit your own circumstance. Image you are walking down Park Avenue on the Upper East Side. It’s fall, the smell of for me Anne’s School leaves lingers on the breeze as you walk back from you favorite coffee shop.

You pass a well-dressed businessman in slacks, brown oxfords and law essay a grey cardigan. Sitting next to him on the bench is a leather folio with a resume on top, held in place by my essay Anne’s, the weight of a black Mont Blanc pen. The atmosphere, the season, the resume; they all seem to be in service University, perfect harmony. Now open your eyes, and realize it is in fact you who are sitting on the bench, and for me Queen School the resume that caught your attention is none other than The Park. Whether in its original “accountant lamp green” or one of the other four other carefully selected understated colors, the writing an essay for Media and Communication Park conducts business with class, a perfect match for write my essay Queen Anne’s School your personality. Different from writing Louisiana University our other templates in that it harmonious blends just the right amount of styling with simple and refreshingly neat formatting to produce a resume that would look perfectly at write for me Queen Anne’s, home on any prestigious New York Office mahogany desk. The Park is for essays of South Carolina the job applicant who knows the difference between a Windsor and a Half Windsor, who knows the write School difference between Thelonious Monk and John Coltrane, and for the person who knows that even the smallest of details can make all the difference. The Park is not just a resume template; it is an accompaniment to your refined, metropolitan lifestyle. The park makes a statement with clever use of a critique journal article Academy space right away in the header of the resume, with a large margin between the top of the page and the applicant’s name. There are no unnecessary frills or decorations on The Park; it makes a statement with only practical applications of sensible color palettes, logical spacing and formatting and measured use of breaks and lines.

No unnecessary frills or decorations One horizontal line Center aligned contact information. Left aligned text. Download The Park today to secure your job tomorrow. Click here to write Anne’s School download. The Park template pack. resume tools and coach support and great templates. Glad you like them! Anything Specific for the trades ?? I am a machinist..Thanks. Any of the above are suitable for your industry, but if we had to choose we’d suggest the a critique journal ‘Chicago’ or the my essay Queen School ‘Modern.’ Good luck on the job hunt! Great thanks for your help … We would recommend the paid articles ‘Milano’ template.

Good luck! I am trying to decide what to use as a professional massage therapist. Thanks. Check out our ‘Elegant’ templates. Write My Essay Queen. Good luck on the job hunt! Hi, which template is writing intro University and Communication, good for the pharmaceutical industry or biology? Thanks! The ‘Harvard’ should be suitable. Good luck! Thanks!

I appreciate it. What if I already started using one of the my essay Queen Anne’s advanced templates – dark blue contemporary? Should I switch to Harvard? I recently graduated, about practice essay writing Trinity School a year and a half ago and I am looking to break into write, the pharmaceutical industry with a biology and pharmacy background. Let me know what you think! #128578; Contemporary should work just fine.

Which one would be good for a television producer? Or someone in the media industry? Thanks! The ‘Milano’ sounds like the right way to go. Best of writing Robert University (NAVITAS) luck! which template would be good for a high school student? which template would be great for executive. Which template is good for Queen Anne’s fresher seeking job in IT industry. I’m BCA graduate.

Try the ‘Chicago’ on for size. Writing The College University (NAVITAS). Good luck on the job hunt! which template suitable for internship? which template is suitable for a project manager. Which template is suitable for a job at a bank? which Template is better for a job of medical field? You might want to check out our internship and engineering resume samples: Good luck on the job hunt!

What resume is most suitable for a Professional Sales Manager that is hoping to change careers to an Executive Asst. HI, what resume is suitable for my essay Queen School a management consultant? or an auditor? The ‘Milano’ would suit either of those professions. Good luck! The decision is really a matter of preference. Writing Service. We suggest you try a few and my essay for me Anne’s see which one you like best. Good luck! Thank you very much for sharing!! Very helpful!! Hi what would you recommend for a recent master graduate wanting to get into writing the college Robert Gordon, the Conflict resolution/ humanitarian field? Try out the ‘Elegant’ Template.

Good luck on the job hunt! Hi what would you recommend for a school district instructional assistant? Or a childcare provider (lead teacher)? Recommendation for something in for me Anne’s School, the legal profession? Specifically pretrial services assessor? Didn’t see anything for Macromedia and Communication paralegals, either… The resumes above are templates, but it sounds like you are looking for samples. Check out our paralegal resume sample, here: Good luck on the job hunt, Hi what would be a good resume for someone with multiple skills.(Retail Management, Computer Repair and Maintenance , Low Voltage Tech, Lab Courier) We suggest trying the ‘Park’ template.

It offers plenty of space for you to include all of School your skills. what if you have no experience making a job application whatsoever and law essay writing service Louisiana you don’t know which template to use for a beginner. For a beginner, our ‘Classic’ is write my essay for me Queen Anne’s School, always a solid choice. Good luck on the job hunt! Any of the resumes above could be used for someone with a criminal history, but if we had to choose we’d suggest the ‘Chicago.’ Also, you should check out our tips on how to address criminal history in a cover letter: Try using the ‘Park’ template. Of A Hebron. Good luck with finding an internship!

We suggest the for me ‘Milano.’ Don’t forget to check out our Pharmacist resume: Good luck on the internship. What resume would you recommend for a Human Resource Manager with 5 years of experience. What kind of a critique of a article Academy resume would you recommend for Queen someone changing careers from law essay Louisiana University a lower tier job to a more career building one? The ‘Park’ template would be an for me Queen Anne’s, appropriate choice. Good luck with the career change. which template wouldb good for argumentative essays University construction,HVAC? We’d suggest going with the ‘Modern’ template. Best of luck finding an HVAC job.

which template would i use? I was recently fired and need a job asap, i worked in customer service for a department store and then moved into a supervisor position but for only 7months. My previuos jobs were a ups helper and a busser at a resturaunt. Go with the ‘Milano’ template. Good luck! What template would you suggest to use? I am changing careers from a major University as a Farm Attendant Lead to for me Queen CDL Truck Driver either over the road or Local? Try going with the ‘Milano’ template. Good Luck! What template do you recommend for a middle aged person with plenty of essay College School related experience including being a small business owner, applying for a flight attendant position?

You should visit our nurse resume sample page: You can download the example and fill in your own information. Hi, what kind of resume template you recommend for a engineer with 4 years of my essay Queen Anne’s experience?. which resume would you recommend for college student applying for jobs with no experience. Hi, what kind of resume will you recommend for a college student, applying for a job.

which resume would you recommend for a fashion merchandiser/executive assistant stay at law essay writing service, home mom returning to write for me Queen Anne’s work? Good luck on the job hunt! which resume do you recommend for an budding flight attendant career? Thanks for this! I’ll use the writing an essay intro Macromedia University for Media and Communication Harvard Resume Template. #128578; Hey there Rayhan, The key to writing a resume fresh out of college without work experience is to: 2. Make your education section strong, and for me Anne’s School include key relevant projects/leadership experiences from college that pertain to the position to which you’re applying. Good luck with your job search!

Hey there Aditya, I’d recommend the Classic B W template for your resume. It’s a nice standard look — nothing too fancy, but it gets the job done. Essay Writing Online School. Good luck! With all of that experience, you have some flexibility! When in doubt, the my essay Queen Anne’s School reverse-chronological is a good choice. Enjoy the fresh start, and best of luck with the job application!

Which resume would your recommend for applying for a position in a company that you currently work in that is merging? All staff must re-apply. All of these resume templates are perfect for of a article Hebron someone in Anne’s School, your situation – it just depends on your preference. Since your goal is to prove the value you bring to the table to your new employers, you want your resume to stand out for its content even more than its format. Writing Essay Gordon. Things that are quantifiable (think numbers, dollar signs, etc.) give your resume weight – check out the following link for some ideas to make the write my essay Anne’s content of your resume stand out: Good luck, and writing essay Robert (NAVITAS) please feel free to comment again if you have further questions! I would suggest that you first decide which type of Queen resume best suits your situation, then choose a matching template.

Check out this link and see if one jumps out at writing a critique journal article Hebron, you: Good luck with your career! I’d first recommend checking out this page: What you want to my essay for me Queen do is highlight your education over professional experience since most likely that’s a stronger area for you, then proceed from there. Gordon University (NAVITAS). Good luck landing your internship! Share Resume Genius’ Original Templates – Expert’s Choice Our code geeks and HR experts are proud to introduce our new Free Resume Builder software to help you land more interviews in write Queen School, today’s competitive job market. We provide HR-approved resume templates, built-in job description bullet point phrases to choose from, and easy export to MS Word and PDF. Get awesome job opportunities sent directly to your inbox. By clicking Send Me Job Alerts, I agree to the Resume Genius Terms of an essay Macromedia Use and write my essay Queen Privacy Policy.

Play the One-Minute Game That’ll Show You How to Improve Your Resume. Think you can judge the quality of a resume within 6 seconds? The answer may surprise you. Put your skills to the test, and learn how to make your resume 6 second worthy! 3 Reasons Why I Wouldn't Hire Tom Brady. Tom Brady’s resume is a couple yards short of a touchdown. There are tons of errors throughout. See why.

How to Modify and Maximize your Resume Template. Need a resume template? Feel free to download one, but be sure to writing essay Robert Gordon make small modifications to unlock your. Would You Rather Work for a Man or a Woman? Do people still care whether they work for a man or woman, or do most people simply look for a nice job. Resume Builder Comparison | Resume Genius vs. LinkedIn Labs.

What are the differences between the write for me School major online resume builders? Here's an in Grier, depth analysis of what. Resume Genius' builder, resources, advice and career tips are regularly featured on some of the world's leading online and offline publications including: Our code geeks and HR experts are proud to introduce our new Free Resume Builder software to help you land more interviews in today's competitive job market. HR-proven resume templates, built-in job description bullet point phrases to choose from, and write my essay Queen Anne’s easily export to MS Word and PDF.

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Prepare Your Resume for Email and Online Posting. and Online Posting. Many people still think the resume you put online is not the same document that you created to print out and mail to prospective employers or hand to interviewers. This is untrue. Queen! You do not need a different resume, you only Louisiana University, need to alter the write my essay Queen Anne’s, format of your resume to make it easy for you to post, copy and essays of South, paste, or email it to employers.

When done correctly, your well-written, well-prepared resume will contain all of the necessary keywords to attract attention whether it is being scanned into a resume system, indexed and searched online, or read on paper by a real human. Job search experts recommend you keep duplicates of my essay for me Queen School your resume in each of these versions or formats. A Print Version , designed with bulleted lists, italicized text, and writing a critique article Hebron, other highlights, ready to print and mail or hand to my essay for me School, potential contacts and interviewers. Writing Trinity College! A Scannable Version , a less-designed version without the fancy design highlights. Bulleted lists are fine, but that’s about the limit. A Plain Text Version , a plain text file ready to copy and paste into online forms or post in write my essay for me Anne’s School, online resume databases. This might also be referred to as a Text-Only copy. An E-mail Version , another plain text copy, but this one is specifically formatted for the length-of-line restrictions in e-mail. This is Robert Gordon also a Text-Only copy.

This is the same document presented in four ways, each formatted for a specific delivery purpose. You could just use the forms most databases provide to build your resume in write my essay for me Anne’s School, their system, but resume expert and author Susan Ireland doesn’t recommend you do this for several reasons. Spell-check: Preparing your resume in advance using your own word processing program allows you to spell-check your resume and revise it as needed until you are happy with it. Format: Most online forms and builders insist on a chronological resume, which focuses on State University, work history. Career changers who would prefer a functional resume with its emphasis on skills will be at a disadvantage.

Reusability: If you build it in their database using their form, you’ve done a lot of work for only one site, which means you will have to repeat your effort for write my essay Queen Anne’s every database you encounter. That’s a lot of typing! Prepare it in advance on essay Robert (NAVITAS), your own computer and you have it to use as much as you like. We have instructions on converting your Word document to 2 different Plain Text documents suitable for my essay Queen Anne’s School pasting in to email and posting in databases. Many job seekers are creating webbed resumes in the hopes of being discovered or as a place to refer an employer who might want to see more than what is usually found in a resume. Service! An HTML version of your resume works particularly well for persons in write my essay Anne’s School, the visual arts or programming, but it could serve anyone, provided it is law essay writing done right and for the right reasons. Doing it right means starting with a basic HTML version of your designed resume, not an overloaded page of Shockwave and Java effects, huge graphics, and audio files that takes more than 2 minutes to download on your DSL line and my essay Queen Anne’s, blasts out getting paid for writing articles Grier School your computer speakers. Doing it for my essay Anne’s School the right reasons means turning your resume into a portfolio, complete with links to former employers or projects already publicly available online. Be sure you are not violating any copyright or confidentiality clauses by putting information online without prior approval.

The biggest problem with HTML resumes is TMI – too much information . Many people make their resumes part of their personal web site, loading it where there is all kinds of information an employer does not need to know before you are hired, like your marital status, ethnic background, religious affiliations, personal interests, past or present health problems, and paid for writing School, much more. Allowing an employer to learn so much about you can lead to potential discrimination problems that you may never be aware of for the way you look, your political or religious beliefs or any number of other reasons. I know some career management professionals advocate the use of photos plus personal biographies for executive clients, stating this is the same information you would find in an executive bio released by the company for publicity purposes. For Me Anne’s! However, I still urge job seekers to be both conservative and writing Robert Gordon, conscientious about write for me Anne’s what you are telling prospective employers before you actually get called into an interview. Always remember, your resume presents the image you want employers to writing the college University (NAVITAS), see. For this reason, it is important that you keep your presence entirely professional, never linking your resume to any personal information. If you decide to add an HTML resume to your campaign, post it in a location separate from your personal web site, and do not link between the two. The fastest way to respond to Internet job listings is to e-mail your cover letter and resume to the person or organization indicated.

However, there are some simple rules to follow before hitting the send key. Look at it this way. You have 15 or 20 seconds to get someone’s attention using email. In that time, you must convince the recipient to. open your email read your message not delete your email. Do it wrong, get into the wrong mail box, or make someone’s job harder, and the best resume in write my essay Queen Anne’s School, the world from the most qualified person in University, the world will be trashed. Getting your email opened, read, and actually considered really comes down to some simple rules. Use the right Subject.

Seeking employment is write my essay School not an acceptable subject. If you are responding to an essay Macromedia, an advertisement, use the write for me Queen, job title or job code cited in the advertisement to make it easy for of a journal Hebron your e-mail to be recognized and routed to the appropriate person. If you are cold calling an employer, put a few words stating your objective or in write my essay for me, the Subject line ( materials engineer seeking new opportunity ). Include a cover letter in writing an essay intro Macromedia, your email and address it to write for me Anne’s School, the recipient. Here’s my resume, please tell me if you have any jobs I might fill is not a cover letter and paid for writing, does not encourage anyone to look at your resume. Whether or not you are responding to an advertised opening, the write for me Anne’s, cover letter will introduce you, specify how you meet the needs of the argumentative essays University, employer, and my essay for me Queen School, will encourage the an essay intro Macromedia University, recipient to read your full resume. Always send your resume in the body of the e-mail message, not as an attachment. Force someone to open an attachment just to write Queen Anne’s School, get to know you and your 20 seconds are over before they even start. Put that resume right in the message so the recipient will see it as soon as he or she opens the message. This technique also helps you get through e-mail systems that reject all attachments in this day of rampant computer viruses.

Make sure your resume is properly formatted for e-mail. Plain text resumes not formatted for an essay intro for Media and Communication email can be unreadable, and unreadable resumes will most likely be deleted. Take the time to make sure it will look as good on all computers and in all email systems as it does on your screen. Write My Essay Queen Anne’s School! This means shorter text lines, spacing between sections, and text-based highlights. If responding to an advertisement, read the application instructions and follow them.

Failing to writing University for Media and Communication, follow application instructions not only my essay for me, delays your resume, it labels you as someone who doesn’t take direction well. It’s the Trash bin for you. They might specify an email address and job code to argumentative University Carolina, use. They might even actually ask you to send your resume as a Word attachment. Whatever they want, you do.

Always remember: It only takes a second for someone to delete an e-mail message . Don’t give them a reason to trash you! Think before you respond! Posting your Resume: Placement vs. Write Anne’s! Privacy. With all of the possible posting sites available online, you can saturate the Internet with your resumes. Is this a good thing? There are two issues to consider when posting your resume online. Placement: where should you post it? Privacy: how public do you want it to writing intro University and Communication, be? What’s the problem? The more exposure you get, the better, right?

Not necessarily . Recruiters get tired of finding the Queen School, same resumes for the same people in every database they search. If you get labeled a resume spammer, you won’t be considered for job openings they are working to fill. Also, the farther your resume spreads, the less control you have over it and practice writing online College, the more likely it is to be discovered by someone you had hoped wouldn’t see it, like your current employer. Write My Essay For Me! And yes, people do get fired. Some problems can be avoided by merely limiting where you post your resume (Placement), others by limiting the information in your posted resume (Privacy), but the two issues must be addressed hand-in-hand. It is the college essay Gordon (NAVITAS) possible to for me, be visible but private online, but how visible you want to writing an essay intro Macromedia for Media, be vs. how comfortable you are in public is a question only you can answer. Limiting your posting is a good way to protect your privacy, but it is also important to select those few sites with care. Susan Joyce , author of, encourages job seekers to for me Anne’s School, carefully evaluate the job sites used and to getting paid for writing, be aware of the information presented in the resume. Write My Essay For Me Queen School! The following tips include information excerpted from her articles on Choosing a Job Site and Your Cyber-Safe Resume. This information was used with her permission. I highly recommend a visit to her site to read the writing the college essay Gordon University, full articles.

Limit where you post. Post your resume in the databases of only one or two large popular job sites. School! At the writing intro and Communication, same time, post it in the databases of one or two smaller job sites targeted to Queen, your specific industry, occupational group, or geographic location. This will give you both maximum exposure (many employers crossing industries and essays University of South Carolina, regions) and targeted exposure (employers looking for a smaller yet more highly qualified candidate pool.) Read Privacy Policies . Note what personal or individually identifiable information they will collect, how it may be handled, and whether or not they reserve the right to sell it. Write My Essay Anne’s School! Some sites are good and essay online Trinity College, promise to never sell your info, but others reserve the right to sell your personally identifiable information to third parties. Avoid sites that force you to write for me School, register a full profile (i.e., your resume) before you can do any search of the job database. You should be allowed to evaluate a site to writing for Media and Communication, make sure it’s a good fit to you before adding your information to their database. Avoid sites that offer to blast your resume. Such wide distribution may offer little, if any, control on where a copy of your resume could end up.

Limit access to your personal contact information. Options range from blocking access to write my essay for me Queen Anne’s School, just the writing the college Gordon (NAVITAS), contact information to keeping your resume completely out of the database searched by employers. Choose the option that works best for you. Write My Essay For Me Anne’s! Remember that if you go for full confidentiality, it may be up to you to remember to delete contact info from your resume. Law Essay Writing Louisiana! Many job seekers trip up here because they fill out a form with their contact info, then cut and paste the write my essay for me, whole resume into the box, forgetting about the contact info here. The database’s protection of for writing Grier School your contact info only Anne’s, refers to what you put in the form, not in the box. Modify the contact information you put on of a article Hebron Academy, your resume. Remove all standard contact information — name, address, phone numbers — and replace your personal e-mail address with an e-mail address set up specifically for your job search. For Me Queen School! This is essay Gordon where those services like Yahoo! email come into play.

Make sure you use an my essay for me Anne’s School appropriate e-mail name like Names like or are not good names for serious job seekers. Modify your employment history. Writing A Critique Article Hebron Academy! Remove all dates from your resume. Then, remove the names of write my essay for me Queen all employers and replace them with accurate but generic descriptions.

Nuts n’ Bolts Distributors, Inc. becomes a small construction supplies distribution company and IBM becomes a multinational information technology company. Essay Online Trinity College! If your job title is unique, replace it with an accurate but generic title, so New England Regional Gadget Marketing Director becomes multi-state marketing manager of gadget-class products. Don’t let your resume sit there. Since many databases sort resumes by date of submission with the newest fir t, renew your resume every 14 days. If you don’t get any response to your resume within 45 days of Queen Anne’s posting, remove it from that location and post it elsewhere. Law Essay Service University! It could be that employers are not looking for people with your skills in this particular database, but it could also be that there is too much competition between candidates with the same skills and your resume is not rising to the top. When your job search is over, delete all resumes out there. My Essay Anne’s! Do not continue to dangle the practice essay writing online College, hook and see what offers may come up. Your new employer may find you still fishing and write for me Queen Anne’s, demand an explanation.

Some people are adding a posted DATE on the bottom of resumes they register online, but you will still have a tremendous amount of explaining to do if your resume is found to still be circulating. Whether or not you were planning a fast exit, you may find yourself on the way out the door. Always remember that most job sites make their money by selling access to the resume database! Many want you to post your resume in their database, but few really work for you. When it comes to posting your resume, You Rule . Be choosy.

Copyright by Margaret Dikel; portions copyright by Susan Ireland and Susan Joyce. Permission to reprint this article must be obtained from all authors; each author will offer his or her terms for for writing School granting permission. Please read the Anne’s School, complete copyright statement for University of South additional information.

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OIG report finds CFPB examination workpaper documentation practices can be improved. The Office of Inspector General (OIG) for the CFPB and Fed has issued a report that found the CFPB can improve its practices related to examination workpaper documentation. This report follows another OIG report issued last month that found the CFPB could improve the effectiveness of its Examiner Commissioning and On-the-Job Training Programs. The report provides the results of an evaluation conducted by the OIG to assess the CFPB’s guidance and practices, including training and quality reviews, to promote effective and Anne’s School, consistent examination workpaper documentation. Writing The College Essay University? The OIG reviewed documentation in each of the CFPB’s four regions for write for me Anne’s compliance with the CFPB’s Supervision and Examination Manual and University of South Carolina, other policies applicable to examinations. The OIG’s findings included the write my essay for me Queen Anne’s School following: The CFPB’s approach was to grant examination employees in each region open access to examination workpaper documentation and supporting material. That approach resulted in certain employees having access to materials with confidential supervisory information and personally identifiable information when they did not appear to have a business need to know such information, thereby creating an opportunity for insider abuse. A lack of essay Robert information disposal guidelines limited the CFPB’s ability to protect sensitive information and a lack of a consistent process for limiting access rights limited the effectiveness of self-reporting of potential information security incidents. Documentation of my essay Queen Anne’s School supervisory review of workpapers by the Examiner in Charge and law essay service Louisiana State University, Field Manager did not fully comply with Examination Manual standards. As a result, the CFPB could not be assured that all workpapers that support findings and conclusions had been reviewed and write my essay Queen Anne’s, approved, which could affect the getting for writing School credibility of for me Queen examination results.

The CFPB did not have formal training for examiners on workpaper practices. The CFPB had not established an ongoing quality control review process for examination workpapers to writing service Louisiana State University, evaluate whether workpapers met the requirements in the Examination Manual. The report includes the OIG’s recommendations for addressing its findings and the CFPB’s responses to the recommendations. FTC to hold workshop on informational injury. The FTC has announced that it will host a workshop on December 12, 2017 in Washington, D.C. to examine consumer injury in the context of write my essay privacy and data security. In the workshop, the FTC plans to examine questions about the injury consumers suffer when information about them is exposed or misused such as “how to best characterize these injuries, how to accurately measure such injuries and their prevalence, and what factors businesses and of a Hebron Academy, consumers consider when evaluating the Queen Anne’s School tradeoffs involved in collecting, using, or providing information while also potentially increasing their exposure to injuries.” The types of University Carolina consumer harm that flow from my essay for me Queen School data security and privacy breaches has significant implications both for government enforcement and private actions.

With regard to government enforcement actions, in essays of South Carolina remarks given in February 2017 soon after her appointment by President Trump as Acting FTC Chairman, Maureen Ohlhausen observed that a focus on consumer injury is important both in deciding what cases to bring and in write my essay determining what remedy to seek. She stated that the FTC can best use its limited resources “by focusing on practices that are actually harming or likely to harm consumers” and used recent privacy and data security actions as examples of situations where the getting paid for writing articles Grier School FTC “strayed from a focus on write for me Anne’s School actual harm.” She also criticized the writing a critique journal Hebron FTC’s pursuit of disgorgement that was “disproportionate to any consumer harm” and write for me School, stated that she intended to “work to ensure that our enforcement actions target behaviors causing concrete consumer harm, and that remedies are tied to writing journal, consumer harm.” With regard to private actions, the issue of what types of consumer injury will satisfy Article III standing under the Queen Anne’s School U.S. Supreme Court’s Spokeo decision continues to be litigated. In Spokeo , the Supreme Court held that a plaintiff alleging a violation of the law essay Fair Credit Reporting Act does not have Article III standing to sue for statutory damages in federal court unless the plaintiff can show that he or she suffered “concrete,” “real” harm as a result of the violation. In advance of the workshop, the FTC is seeking comment by October 27 on the issues to be covered by the workshop, including the following questions: What are the qualitatively different types of injuries from privacy and data security incidents? What are some real life examples of these types of informational injury to for me Queen Anne’s School, consumers and to businesses? What frameworks might we use to assess these different injuries? How do we quantify injuries? How might frameworks treat past, current, and potential future outcomes in quantifying injury?

How might frameworks differ for different types of injury? How do businesses evaluate the benefits, costs, and risks of collecting and using information in light of potential injuries? How do they make tradeoffs? How do they assess the risks of different kinds of data breach? What market and writing Macromedia University, legal incentives do they face, and how do these incentives affect their decisions? How do consumers perceive and write my essay for me School, evaluate the benefits, costs, and getting paid, risks of sharing information in light of potential injuries? What obstacles do they face in conducting such an evaluation? How do they evaluate tradeoffs? Auto-finance companies agree to pay nearly $800,000 to settle Justice Department allegations regarding SCRA auto repossession violations. The United States Department of Justice announced last week that Westlake Services LLC and its subsidiary, Wilshire Consumer Capital LLC, have agreed to pay $760,788 to my essay Queen School, resolve allegations the companies violated the Servicemembers Civil Relief Act (“SCRA”) by repossessing 70 vehicles owned by SCRA-protected servicemembers without obtaining the required court orders.

The CFPB referred the matter to the Justice Department’s Civil Rights Division’s Housing and Civil Enforcement Section in 2016, after receiving a complaint that Los Angeles-based Westlake Services and Wilshire Consumer Capital were conducting repossessions in violation of the practice online Trinity College School SCRA. The Justice Department sued the companies in write United States District Court for the Central District of California. The United States’ complaint alleged that Westlake and Wilshire repossessed vehicles in violation of 50 U.S.C. § 3952(a) and writing an essay University, 50 U.S.C. § 3953(c), respectively. Both provisions require lenders to obtain a court order before repossessing a covered servicemember’s motor vehicle, with the latter provision extending that protection for one year following the termination of military service. The complaint alleged the companies failed to check the Defense Manpower Data Center (DMDC) database to determine whether customers were SCRA-protected servicemembers before repossessing vehicles without a court order. The settlement agreement requires that Westlake and my essay Queen Anne’s School, Wilshire pay $10,000 per violation to each of the affected servicemembers, plus an amount to compensate them for any lost equity they suffered in the repossessed vehicle, plus interest. Writing The College Robert University? The companies must also repair the credit reporting of all affected servicemembers and pay a $60,788 civil penalty to the United States. The companies also agreed that they would not repossess an SCRA-protected servicemember’s vehicle without obtaining a court order or valid SCRA waiver in the future and that they would implement enhanced policies and procedures and training to ensure compliance with SCRA requirements. The Settlement Agreement is available here.

This is not the write my essay for me Queen School first time that Westlake and Wilshire have been the target of a federal agency. In 2015, the companies entered into a Consent Order with the CFPB under which the companies agreed to pay a $4.25 million civil money penalty and $44.1 million in refunds and debt forgiveness to borrowers for alleged unlawful conduct including engaging in debt collection practices in violation of the Fair Debt Collection Practice Act and advertising auto financing in violation of the Truth in Lending Act. The alleged unlawful debt collection conduct included: threatening to refer borrowers for criminal prosecution; illegally disclosing information about debts to borrowers’ employers, friends and family; and using a software program, Skip Tracy, which disguised the essays of South Carolina phone number and caller ID text information of outbound calls so that the calls appeared to originate from write for me Queen Anne’s School other callers, such as pizza delivery services, flower shops or the practice writing College borrower’s family and my essay for me School, friends. See “Consent Order with the CFPB.” Judge Fitzwater Assigned to Hear Industry Suit to Block CFPB Arbitration Rule is Experienced and Well-Respected. As we’ve mentioned, the finance industry recently filed suit to overturn the CFPB’s arbitration rule in the U.S. Federal District Court for the Northern District of Texas. Shortly after the case was filed, it was assigned to Judge Sidney A. Fitzwater. Judge Fitzwater was appointed to the bench in 1986 by President Ronald Reagan. He had previously served as a state district judge, and was only getting for writing articles School, 32 years old when he was appointed to School, the federal bench.

According to the Almanac of the Federal Judiciary, before his appointment, he served on the Executive Committee for the Dallas County Republican Party, on the Executive Committee of the Texas Federation of Young Republicans, and as the Director of the the college essay Robert University (NAVITAS) Dallas County Republican Men’s Club. By all accounts, Judge Fitzwater is a sharp, detail-oriented, and fair-minded judge. Write For Me Queen Anne’s? According to the Almanac, he’s referred to by attorneys who practice before him as “the smartest guy on the bench.” Practitioners quoted in the Almanac also say that he “listens to paid School, everything,” and that he is “perfectly prepared” for all of his hearings. They also say that “He follows the law. He will not substitute his own opinions. Queen Anne’s? You are getting the law as he understands it. He is careful not to inject his personal view into writing intro Macromedia University for Media and Communication, the case.” He has received the for me Anne’s School Dallas Bar Association’s highest overall poll evaluation for federal judges on writing article Hebron Academy several occasions, including in my essay Anne’s 2017.

We have not been shy about criticizing the CFPB’s arbitration rule or the writing Louisiana State CFPB’s specious justification for it. If the reports on him are accurate, it appears that Judge Fitzwater will carefully analyze the issues and reach a thoughtful, independent decision. State and Local Governments Move Swiftly to Sue Equifax. The cities of Chicago and San Francisco and the Massachusetts Attorney General have filed the first enforcement actions against Equifax following the announcement of a data breach affecting an estimated 143 million consumers. Equifax announced the data breach on September 7, 2017, after hackers allegedly exploited a vulnerability in open-source software used by Equifax to write for me Queen School, create its online consumer dispute portal.

The first suits were filed on September 26th by essays Carolina, the Massachusetts Attorney General and San Francisco. Massachusetts’s complaint was filed in Superior Court in write my essay for me Anne’s School Suffolk County and alleges that Equifax knew or should have known about the vulnerability and that hackers were attempting to exploit it, but that Equifax failed to take known and available measures to prevent the breach. Massachusetts asserts claims for violations of the Massachusetts data privacy statute and the Massachusetts Consumer Protection Act prohibiting unfair and deceptive practices based on Equifax’s alleged failure to give timely notice of the breach, failure to safeguard personal information, and failure to take other actions that Equifax was uniquely positioned to provide that would have mitigated damages to Massachusetts consumers. The Massachusetts Attorney General is seeking unspecified civil penalties, disgorgement of profits, restitution, costs and attorney’s fees. San Francisco’s complaint, filed in the Superior Court of San Francisco, asserts claims under the California Business and a critique of a article Hebron, Professions Code for unlawful, unfair or fraudulent business practices, alleging that Equifax failed to for me Anne’s School, maintain reasonable security practices and procedures, failed to provide timely notice of the security breach, and failed to provide complete, plain and clear information when notice was provided. The lawsuit seeks restitution for all California consumers, civil penalties up to $2,500 per violation of law, restitution, costs, and a court order requiring Equifax to implement and maintain appropriate security procedures in the future. Finally, the City of Chicago filed suit on September 28th in Cook County Circuit Court and asserts claims arising under both state law and city ordinance.

Specifically, Chicago alleges Equifax violated a local ordinance prohibiting fraudulent, unfair, and deceptive business practices, as well as the Illinois Consumer Fraud and Deceptive Business Practices Act. Chicago’s claims are based on allegations that Equifax failed to give prompt notice of the breach, failed to safeguard personal information, and deceived consumers by requiring them to waive their legal rights in exchange for credit monitoring services and by writing journal Academy, misrepresenting that the offered credit monitoring was free. Chicago seeks civil monetary penalties in the amount of $10,000 for each day a violation has existed that involves a Chicago resident, restitution, and injunctive relief requiring Equifax to maintain adequate security measures to write, prevent data breaches. These are likely just the first of many lawsuits to be filed against Equifax by state and local officials. Further action at both the federal and writing, state level seems all but certain. For example, the Federal Trade Commission and Department of Justice have confirmed they are investigating the breach, and the New York Department of Financial Services confirmed that it recently issued a subpoena to Equifax for more information about the breach. This vigorous and immediate government enforcement effort further supports our position that private class action lawsuits are an unnecessary and inappropriate tool for vindicating any harm caused by the data breach.

We will continue to follow these significant cases and update you as events unfold. CFPB releases report on financial well-being of consumers and new consumer tool. The CFPB has released a new report, “Financial well-being in America,” and my essay for me Queen Anne’s, a new on-line interactive tool that allows consumers to measure their own financial well-being and access CFPB resources intended to help consumers meet financial goals. In January 2015, the CFPB issued a report in which it created a definition of “financial well-being”: “a state of argumentative University Carolina being wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to my essay for me Queen Anne’s School, make choices that allow enjoyment of life.” The definition was followed by the CFPB’s release in paid for writing Grier School December 2015 of a 10-question scale to measure “financial well-being.” The scale, which produces a financial well-being score between 0 and 100, is intended to allow meaningful comparisons of write my essay for me Anne’s financial well-being between people and over time. In the new report, the of a journal article CFPB presents the results of what it calls a “first-of-its-kind national survey on the financial well-being of write School U.S. consumers.” According to the CFPB, the writing essay Robert University (NAVITAS) consumer sample used to my essay, conduct the law essay writing Louisiana University survey was designed to be representative of U.S. households. In addition to responding to the 10 questions in the financial well-being scale, people participating in the survey answered questions about other measures such as individual, household, and family characteristics; income and employment; savings and for me Queen Anne’s School, safety nets; financial experiences; and money behaviors, skills, and attitudes.

In the report, the law essay writing Louisiana CFPB presents the Anne’s School survey’s findings on the distribution of Gordon University (NAVITAS) financial well-being scores for Anne’s School the U.S. adult population overall and for selected subgroups defined by these other measures. In the CFPB’s view, its findings “provide insight into which subgroups are faring relatively well and which ones are facing greater financial challenges” and raise “important questions about what may drive variations in financial well-being within subgroups and how these factors may work together to determine an individual’s level of essays University of South financial well-being.” The report’s major findings include: Using the write my essay Anne’s CFPB’s 0 to 100 scale, the average financial well-being score for U.S. Argumentative Essays University? adults was 54. There was a 35-point spread between the top 10 percent and the bottom 10 percent of scores. My Essay For Me Queen School? About a third of all adults in the United States had financial well-being scores of 50 or below, about a third had scores between 51 and 60, and about a third had scores of 61 or above. Writing Essay Gordon (NAVITAS)? Financial well-being scores reflect real differences in underlying financial circumstances, with scores of 50 or below associated with both a high probability (well above 50%) of struggling to make ends meet and of experiencing material hardship and for me Queen, scores of getting for writing Grier 61 and above associated with low probability (less than 10%) of having trouble paying for basic needs or making ends meet.

The CFPB believes these results suggest that the financial well-being scale is a helpful measure for gauging how individuals are faring financially. Savings and financial cushions provide the greatest differentiation between people with different levels of financial well-being, with the average financial well-being for write for me Queen Anne’s School adults with the practice essay lowest level of my essay Anne’s savings (less than $250) at 41 as compared to 68 for adults with the highest level of liquid saving ($75,000 or more). The CFPB observed similar differences in scores when it looked at capacity to absorb unexpected expenses. The CFPB believes these findings highlight the importance of savings and other safety nets in helping people to feel financially secure. Certain experiences, such as whether someone had been contacted by a debt collector or used a payday loan or similar product, seemed to have a strong negative association with financial well-being. According to the CFPB, while these associations could simply reflect the correlation between these experiences and a general lack of financial resources, these experiences could have more specific and Robert (NAVITAS), direct relationships with financial well-being.

Higher levels of financial know-how, confidence, and write for me, certain day-to-day money management behaviors appeared to have strong and positive relationships with financial well-being. Individuals with relatively high levels of financial knowledge and essay online Trinity School, financial skills had higher average financial well-being. Employment status, income, and educational attainment seemed to write my essay for me Queen, have a strong relationship with financial well-being. Financial well-being appeared to be higher for older adults, especially those aged 65 and older. Practice Writing Online Trinity College School? There were no differences in average financial well-being based on write my essay U.S. region or as between men and women. While the CFPB found some differences between financial well-being for various racial/ethnic groups, such differences were relatively small compared to the differences between subgroups based on financial experiences, attitudes, behaviors, and skills. We find it strange that the CFPB’s press release describes as a “major finding” that 43 percent of getting paid articles School consumers surveyed reported struggling to pay bills and 34 percent reported experiencing material hardships in the past year. However, this is not included among the key findings in the CFPB’s executive summary in the report. OIG report finds effectiveness of CFPB’s examiner commissioning and training programs could be improved. The Office of Inspector General (OIG) for write Queen Anne’s School the CFPB and Fed has issued a report on the results of its evaluation of the writing Louisiana effectiveness of the CFPB’s Examiner Commissioning Program (ECP) and On-the-Job Training (OJT) Program.

In conducting the evaluation, the OIG assessed the design, implementation, and execution of the my essay School two programs. The OIG found that the effectiveness of both programs could be improved. The CFPB implemented the law essay writing Louisiana State University ECP in October 2014 and, according to the report, has described the my essay for me ECP as “critical” for writing the college Robert University (NAVITAS) its supervision program and the professional development of its examiners. Although the OIG found that the CFPB had taken some steps to enhance the ECP, it identified several shortcomings. The OIG found the write for me Queen following:

Due to School, management’s workforce needs and for me Queen, advancement incentives, some examiners appeared to proceed through certain components of the ECP before being fully prepared. In addition, certain controls established by the CFPB to manage examiners’ progression through the ECP might be ineffective. Some examiners did not appear to receive adequate training and developmental opportunities or exposure to certain CFPB internal processes before proceeding to certain components of the ECP. The CFPB did not have a formal method to evaluate and update the essay Robert Gordon ECP. The CFPB did not consistently communicate ECP requirements to prospective employees, including the starting point for the 5-year requirement for completing the write my essay for me Queen School ECP. The CFPB’s OJT program is intended to be a standardized program that ensures examiners are trained uniformly across all regions. Writing A Critique Hebron Academy? In the program, an OJT trainer is expected to work with an examiner on an examination, provide mentoring, discuss the CFPB’s Supervision and Examination Manual, and oversee the examiner’s completion of my essay assigned modules.

The OIG found that CFPB regions had not consistently implemented the OJT program and the college University (NAVITAS), examiners may not have understood the requirements, expectations, and purpose of the write Queen Anne’s OJT. The report makes a series of recommendations for addressing the OIG’s findings and enhancing the effectiveness of the ECP and law essay Louisiana State University, OJT program. In the write for me Queen Anne’s School CFPB’s response to the OIG’s draft report, which is argumentative, included with the report, the CFPB states that it agrees with the OIG’s recommendations and outlines its plans for implementing the recommendations. What is the deadline for write for me Queen Anne’s the Senate to pass a CRA resolution to override the CFPB’s arbitration rule? Despite the an essay intro Macromedia and Communication filing of a lawsuit last Friday by a number of industry trade groups seeking to block implementation of the write for me Queen CFPB’s arbitration rule, we remain hopeful that the Senate will pass a resolution of disapproval under the Congressional Review Act to writing the college essay Gordon University, override the rule. There has been considerable confusion about the Senate deadline for passing a CRA resolution so we took a closer look. Under the CRA, to be eligible for the “fast track” procedures for for me Queen Anne’s Senate consideration that preclude a filibuster and allow the Senate to pass a resolution of disapproval resolution with a simple majority vote, the Senate must act on the resolution during a period of essay Robert Gordon University (NAVITAS) 60 Senate “session days” which begins on the date the rule is received by Congress or published in the Federal Register, whichever is later. Since the Senate received the CFPB’s report on write my essay Queen the arbitration rule on July 13 and the rule was published in the Federal Register on July 19, the 60 Senate “session days” for purposes of the CRA clock began on July 19, 2017.

As of this past Friday (September 30), there were 33 Senate “session days” since July 19. Accordingly, assuming that the Senate will be (1) in session Monday through Thursday during the weeks it is not scheduled to be in recess, and (2) in practice writing online College pro forma session on each Tuesday and Friday of a recess week, the 60 “session days” would end on November 21. However, since November 21 falls during the week when the Senate is write Queen, scheduled to argumentative essays of South, be in recess for Thanksgiving, a vote is unlikely to take place during that week. Thus, based on the foregoing assumptions, the last day for a Senate vote, as a practical matter, would be November 16. CFPB “Can Improve” Recordkeeping and Notifications of Purpose in for me Civil Investigative Demands, OIG Finds.

On September 20, 2017, the Federal Reserve’s Office of Inspector General (“OIG”) issued a report on argumentative the CFPB’s process for my essay Queen Anne’s issuing Civil Investigative Demands (“CID”). The OIG found that the CFPB “generally complied” with requirements for Louisiana issuing CIDs, with two exceptions. First, the for me CFPB failed to use notifications of purpose that adequately informed recipients about the writing journal Hebron Academy nature of the investigation. Second, the CFPB failed to keep complete organized records of challenges to CIDs. First, the OIG found that the CFPB’s internal policy manual encouraged investigators to “describe the write my essay for me Anne’s School nature of the conduct and the potentially applicable law in very broad terms.” Investigators apparently told the OIG that the notifications of purpose must be “necessarily broad.” This, they said, is to allow the investigation to “develop over time.” The OIG found that such notifications of purpose might “increase the risk that the language in the CID’s [] notification of purpose does not comply with [] case law.” Such notifications “may [also] limit the recipient’s ability to understand the basis for requests and thereby heighten the risk that the CID may face a legal challenge. . Service Louisiana State University? . .” These findings are not new. As we mentioned earlier this year, the D.C. Circuit recently affirmed a lower court’s determination that a CID was invalid because the write my essay Queen Anne’s School notification of purpose was impermissibly vague. The OIG noted that the CFPB took steps to correct this deficiency. It found that those steps effectively cured the problem.

Second, the writing OIG found that the CFPB could do a better job at records management. It found that the write my essay for me Anne’s CFPB maintained only decentralized records of law essay service Louisiana State University CID challenges and lacked a centralized record-keeping system. In reaching this conclusion, the OIG noted that “The lack of a centralized record of all petitions and supporting documents may have contributed to the Office of the Executive Secretariat’s delay in responding to write my essay for me Queen School, our request for the number of petitions filed to a critique of a journal, date.” The decentralized record-keeping issue is write Queen School, relevant to the public and the industry because the law essay service Louisiana State University CFPB posts CID challenges on its website. The OIG noted that the write Queen Anne’s School CFPB took steps to centralize its record-keeping. It indicated, however, that further follow-up was needed to verify that the new system addressed the issue. Finance Industry Files Lawsuit to Overturn CFPB Arbitration Rule. The U.S. Chamber of Commerce, American Bankers Association, the Consumer Bankers Association, Financial Services Roundtable, American Financial Services Association, Texas Association of Business, Texas Bankers Association, and nine chambers of commerce located throughout Texas today filed a lawsuit in Texas federal court challenging the Consumer Financial Protection Bureau’s final arbitration rule.

The lawsuit seeks to stay implementation of the arbitration rule, a declaration that it is practice essay writing Trinity School, unlawful and other relief. The case has been assigned to Judge Sidney A. Fitzwater, U.S. Write Anne’s School? District Court for the Northern District of Texas (Dallas). We will be providing more details next week. by the Consumer Financial Services Group at Ballard Spahr LLP.

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Renewable energy in the United States represented 12.9 percent of the Robert, locally created electricity in 2013, and 11.2 percent of aggregate energy era. Starting 2014, more than 143,000 individuals work in the solar business and 43 states convey net metering, where energy utilities purchase back abundance power produced by write for me Queen Anne’s School solar exhibits. Renewable energy arrived at a real point of reference in the first quarter of 2011, when it contributed 11.7 percent of aggregate U.S. energy creation (2.245 quadrillion BTUs of energy), surpassing energy generation from atomic power (2.125 quadrillion BTUs). 2011 was the first year since 1997 that renewables surpassed atomic in US add up to practice writing Trinity energy creation. Hydroelectric power is write my essay Anne’s, as of now the biggest maker of renewable power in the U.S. It delivered around 6.2% of the country’s aggregate electricity in 2010 which was 60.2% of the aggregate renewable power in the U.S. The United States is the fourth biggest maker of hydroelectricity on Macromedia for Media the planet after China, Canada and Brazil. The Grand Coulee Dam is the fifth biggest hydroelectric power station on the planet. U.S. wind power introduced limit now surpasses 60,000 MW and supplies 4% of the my essay Queen Anne’s School, country’s electricity. Texas is immovably settled as the pioneer in getting paid articles Grier, wind power advancement, took after by Iowa and California. Since the my essay Queen, U.S. spearheaded the technology with Solar One, few solar thermal power stations have additionally been assembled.

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