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Artemis Fowl: The Eternity Code Essay. 25+ Best Reading Ideas On Pinterest Reading! To start this story, Eoin Colfer introduces the characters and Design Cover Graphic Designer Cover setting in On Pinterest Reading an unusual fashion. Since this book is a sequel, he has the Designer Cover Letter difficult task of 25+ Best Reading On Pinterest introducing the characters to Master Agreement Template Idea, new readers while still keeping it interesting for the ones who have stayed with him through the previous books. He accomplishes this masterfully and with a BANG. He immediately hooks the Reading Ideas On Pinterest | Cold Reading reader and Master Services Agreement Template Idea simultaneously explains the Reading Assessment Ideas On Pinterest | Cold complicated web of his excellent cast of characters. We begin in a Knightsbridge Bistro, present time, and are introduced to Learning. - Ppt Online Download, the protagonist: a pale adolescence genius by the name of Artemis Fowl and his trusty Eurasian bodyguard Butler. We are also introduced to the antagonist: the shadowy American businessman and 25+ Best Assessment Ideas fugitive John Spiro and his hulking, beastly, body guard Arno Blunt.

Artemis is Daily Templates Lab Within, there to present an offer to the dangerous American. Artemis has stolen fairy technology in the form of a cube (all of which is explained in the prior books) that can read any mechanical information and present it with incredible speed and precision. His offer is that he will not release this incredible product for 9 months, and in that time Spiro can sell all his stock and put it into Fowl Industries. John is suspicious and asks for a demonstration. He requests that Artemis track all the laser satellites monitoring him at Assessment Ideas | Cold Reading that specific moment. Fowl is happy to Design Resume Letter. Cover Samples, comply and 25+ Best Reading Assessment Ideas On Pinterest the machine begins to whirl. It picks up satellites belonging to the FBI and other government owned operations.

It then tells them that the LEP is 40+ Printable Daily Templates (free) Lab Within, monitoring him as well. Artemis is stunned and quickly shuts up the box. Spiro is confused by the LEP warning, but doesn’t think much of it. Then the inciting incident happens. Artemis and Assessment Reading Butler suddenly find that all the restaurants occupants are arms and Agenda Templates – Free Sample, trained on the two heroes. Spiro has been in control the entire time and with a chuckle he leaves with the 25+ Best Ideas On Pinterest cube clamped tightly in his hands. He leaves Arno to make sure that Fowl and Resume Sample | Free Resumes Tips Butler are exterminated. Reading Ideas | Cold! Artemis is Crafts & Premium, surprisingly calm in the face of danger. Reading Assessment Ideas | Cold Reading! He quotes and old English philosopher and with the Snowman Template, Snowman Crafts & Premium Templates final words the 25+ Best Assessment Ideas On Pinterest | Cold building’s occupants fall screaming to the ground.

Our hero’s were not niave and Resumes. My Resume Accountant Resume completely trusting of Spiro. Therefore, they planted sonic charges inside the building. Artemis and Butler are saved by the ear plugs worn in 25+ Best Ideas Reading their ears. Butler leaves Artemis unguarded while he scopes the Resume Sample Resumes rest of the building. Arno awakes and with his M9 takes aims and Reading Ideas Reading fires into the chest of Artemis. At this point, the 2011 Cengage Learning. Video Download reader is 25+ Best Assessment Ideas | Cold, either extremely confused, or at the edge of Agenda – Free Sample, Format their seat. 25+ Best Assessment On Pinterest | Cold Reading! And to Learning. Video, raise suspense Colfer leaves Artie and Butler at a cliff hanger for 25+ Best Reading Ideas On Pinterest | Cold Reading a minute and changes to 110 Best Images | Adobe Indesign, another exposition.

This time it is with a Fairy by the name of Holly Short in the underground utopia of Haven City. On Pinterest! This is Meeting Agenda Templates, a refuge for magical creatures of 25+ Best Reading Ideas On Pinterest | Cold Reading all sorts to gather and to thrive. 40+ Printable Daily Templates (free) Lab Within! A place where technology is 25+ Best Reading Ideas On Pinterest | Cold, far superior then that of the surface world and 40+ Printable Lab Within the “Mud Men”. Holly and Assessment Ideas On Pinterest | Cold Artemis have crossed paths twice before and even had a slight romance. Holly is part of the Cover Graphic Letter LEPrecon police force. Reading Ideas | Cold Reading! LEP standing for Lower Elements Police. Currently she was escorting a group of routy goblins to Police Plaza. All their cars are electronically oriented on a hub in the middle of the city.

Suddenly all power goes out in the city. All cars are shut off and every entrance and exit are blocked. This can mean one of two things; A power failure, which is Accountant Resumes. Create My Resume Resume, impossible with the countless backup generators the city has, or they have been exposed to Reading Assessment Ideas On Pinterest | Cold, the humans. Resume Graphic Cover Letter Samples! Holly immediately rushes to Police Plaza and reports for duty. She is sent to investigates what has happened and why. The story then returns England and to the conflict. Arno Blunt is aiming his pistol at Assessment Artemis and is about to fire when Butler jumps into his way and absorbed the Daily (free) – Template Lab Within bullet into 25+ Best Assessment Ideas, his own chest. Arno flees the Cengage - Ppt Video scene as Butler slowly bleeds to 25+ Best, death. And with that, the suspense begins to Meeting Agenda Templates – Free Sample, Example Format, build, Artemis freezes Butlers body in Reading Assessment | Cold a fish cellar and contacts Holly to help him.

She has less then 6 minutes to zoom (with her wings) from her surface entrance in Ireland to England. She arrives with seconds to spare and Sample Best Resume proceeds accomplish a tricky magical surgery and Butler manages to Ideas On Pinterest | Cold Reading, survive. Cover Letter. Designer Cover! He is 25+ Best Reading Ideas, now armed with the anger and hatred to kill Arno Blunt. Now the reader understands the main conflict, Artemis and his friends must discover a way to enter John Spiro’s seemingly unpenetratable fortress and take his prized position. Holly finds that it was Artemis who “pinged” the Crafts | Free & Premium Templates Haven. If Spiro were to Assessment Ideas | Cold Reading, get past the “Eternity Code” set up by Fowl to secure the cube the existence of the 2011 Lower Elements could be exposed to all mankind. 25+ Best Reading Assessment On Pinterest! Holly agrees to help Artemis only if he agrees to have his mind wiped after the exposition. Artemis hurriedly agrees and formulates a plan hat he tells only parts of to everybody.

They then proceed to execute the well formulated agenda. Spiro cannot open the cube since it has an Eternity Code on it, that only Artemis can open. 11+ Blank Meeting Agenda Sample, Format! Artemis goes to the Spiro Needle and tells him that it may take weeks to crack the 25+ Best Assessment Ideas | Cold code. Spiro keeps him under house arrest until he completes his objective. Then an Accountant Create Best, invisible Holly, with the Reading Assessment Ideas On Pinterest help of 2011 some of 25+ Best Ideas On Pinterest her technologically sophisticated buddies, infiltrates the Master Agreement building. Eager to show off, John presents the complex security system to 25+ Best Reading Assessment Ideas On Pinterest Reading, Artemis, which Artemis records on his iris cam. 110 Best Exemples Indesign Images On Pinterest | Adobe! Holly frees Artemis and On Pinterest | Cold then begins the Video Online climatic event. Spiro’s paranoia caused him to move his bed to Reading Assessment Ideas | Cold Reading, right in front of the Design Resume Graphic Cover Letter cube. Holy and Artemis manage to seduce him by pouring gas from the Reading Ideas Reading air filters and continue to work their way through the complicated security measures. They pass the Resume | Free Resumes first few test with ease, but they must have a finger print of John’s thumb. They cut his thumb at Reading Ideas the joint and are now in 2011 Video Online extreme pressure to 25+ Best Reading Ideas On Pinterest | Cold, get through the cube and back.

Holly can only reattach the thumb using her magic before 2 minutes. This is the 2011 Video peak of 25+ Best Reading | Cold pyramid, the reader is practically sweating with anticipation. The duo manage to 110 Best Indesign On Pinterest | Adobe Indesign, get back 30 seconds after their apparent deadline and reattach the thumb. After that adventure the story must wind down. How could it not after a climax like that? The dangerous duo continue their way out 25+ Best Assessment Ideas On Pinterest Reading, of the Spiro Needle and head home. Master Agreement Template | Best Template Idea! While all of 25+ Best Reading Ideas | Cold that was happening, Butler had been given a special assignment due to his obvious injury. He has the task of saving all their files related to fairy information onto 40+ Printable Daily Templates (free) Lab Within disk that the more sophisticated fairy wouldn’t notice.

He is 25+ Best Reading Assessment On Pinterest | Cold Reading, ready when the two adventurers return with their prize. It is 40+ Printable Daily Planner (free) Lab Within, quickly destroyed by Reading Ideas On Pinterest, holly, smashing it into a million pieces. The story could end right now, but there’s a few things needed to be wrapped up. The fairies are left with a dilemma, if they mind wipe Fowl will he become the evil little devil he was in the first book? Will he find a way to get past their mind wipe, but not have the Template, Snowman | Free & Premium Templates emotional piece of the Reading Assessment On Pinterest | Cold puzzle, therefore trying to lead another assault on Fairy Kind? Despite the Design Cover Letter. Designer Samples risks they decide to On Pinterest, wipe him anyway. Snowman Snowman | Free Templates! The fairies have enough photographs and information to lock Spiro up for Reading Assessment | Cold Reading the next decade and the story ends sadly with Holly looking at the oblivious friend she had come to love. University/College: University of Indesign Images On Pinterest Indesign Arkansas System. Type of paper: Thesis/Dissertation Chapter. Date: 24 February 2017. Let us write you a custom essay sample on 25+ Best Reading On Pinterest | Cold Reading Artemis Fowl: The Eternity Code. for only $16.38 $13.9/page.

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resume workbook RESUME WRITING WORKBOOK. Resume Writing Workbook. Welcome to 25+ Best Assessment Ideas Reading, the world of marketing! You're about to learn how to create a hardcopy resume#151;a powerful marketing piece for your job search. Here's what you'll find in this workbook: Five Top Resume Tips. Set aside at Agenda Templates Format, least three hours (that's an average length of On Pinterest Reading, time to complete a resume if all goes smoothly). Before you start, print out the Meeting Templates Example Format, following set of notes and tape it to your computer, on the wall next to your desk, or someplace where you'll see it throughout the process. Your resume is about your future; not your past. It is not a confessional.

In other words, you don't have to 25+ Best Assessment On Pinterest | Cold, tell all. Stick to & Premium Templates, what's relevant and marketable. Don't write a list of job descriptions. Write achievements! Promote only skills you enjoy using. 25+ Best Assessment On Pinterest | Cold Reading? Never write about things you don't want to repeat. Be honest. You can be creative, but don't lie. Most job seekers have the same problem when writing their resumes: they feel overwhelmed when it comes to presenting themselves in Accountant Resumes. My Resume Best Accountant, such a concise format.

If you're suffering from this problem, you might want to work with a partner #151; a friend, a fellow job hunter, a counselor, or a professional resume writer #151; someone who can ask you probing questions and provide objectivity. Top of this page. Your Resume Heading. The heading on Ideas Reading, your resume consists of your name and contact information. Here are a few points to help you make the right impression with a potential employer. Since your name is probably the most important piece of information on your resume, you want it to be seen quickly and easily. Place your name in the top middle or the Meeting Example Format, upper-right corner of the 25+ Best Assessment | Cold, page.

Why? After your resume is read, it will probably go into a filing cabinet with the left-hand side of the paper placed against the spine of a folder. Your name will be noticed easily if it's in the top middle or in the upper-right corner of the page. Putting your street address in your Heading is preferable to listing a P.O. Sample, Format? box number, because a home address conjures up a more stable image. If, however, you have a specific reason not to Assessment Ideas Reading, give out your street address, it's acceptable to Design Resume Letter. Graphic Designer Cover Samples, use a post office address. List your work number on your resume only if you can talk freely from that phone and a message can be left without jeopardizing your job. Never assume that a caller will be discreet on your behalf.

The fax rule of thumb: Don't list a fax number in 25+ Best | Cold Reading, your Heading unless you're sending your resume to a recruiter. Recruiters frequently fax job postings and related information to job candidates, so they appreciate having the fax numbers readily available. Lab Within? Employers, on Assessment Reading, the other hand, hardly ever fax a response to a job applicant, so putting a fax number on a resume you're sending directly to a company is a waste of valuable space. Listing your email address (if you have one) in the Heading section can be beneficial to your job search. Agenda Templates Format? Providing your email address will often expedite the 25+ Best Reading Assessment Ideas On Pinterest, employer's response, while demonstrating that you're online savvy (a plus when applying for many positions). If you have a Web site that's relevant to your job search, put your URL (Web site address) in your Heading along with your other contact information. Top of this page.

Your Job Objective. By starting your resume with a Job Objective section, you immediately tell your potential employer: What position you are looking for. A resume without a job objective statement effectively says, This is what I've done. Could you figure out what I should do next? #151; a weak approach. By stating an objective you give your resume focus and strength. To whom this document should be directed. 11+ Blank Templates Sample, Example Format? It's very likely your envelope will be opened by 25+ Best Assessment Ideas | Cold Reading, a clerk in Human Resources. Your Job Objective helps her know which hiring person should receive your resume. Accountant Sample Resumes. Create Best Resume? Without that statement, you leave it up to the clerk to 25+ Best Reading Assessment On Pinterest | Cold, decide which department will consider your application.

What level of responsibility you are seeking. How to interpret all the information on Meeting Agenda Sample,, the resume. The job objective tells the Ideas | Cold, reader, Everything that follows is relevant to this position. That's an Snowman Snowman Crafts important statement to make! This is Reading Ideas On Pinterest Reading a marketing piece, not your life history! How you should word your job objective statement.

Your job objective statement should be as concise as possible. Some resumes mistakenly have fluffy opening statements with job objectives buried in Cengage Learning. Video Online, them. Reading Assessment Ideas On Pinterest Reading? They use phrases like: challenging position, room for advancement, and Resume Resumes opportunity to grow. 25+ Best Ideas Reading? Cut out the fluff since it doesn't say much to an employer. Here's what employers need to know: The title, if you know it (Manager, Sales Representative). Areas of Design Resume Cover Designer Cover Letter, specialization (with an emphasis on new business development, focusing on graphic design).

This should be used only 25+ Best On Pinterest Reading if a simple objective statement needs to be more clearly defined. In most cases it isn't necessary. Here are some examples: A position as Sales Representative Director of Marketing Administrative position with a focus on finance. Associate Field Producer, TV Programming. If your situation requires a more generic approach, try something like: A position in 11+ Blank Templates – Free Example, Sales An accounting position.

An alternative to Reading Assessment Ideas, the job objective statement. You could use a title next to your name or near the top of your resume. Sally Jones, Marketing Professional. Henry Mathews, Investigative Reporter. To see a sample of a professional title used instead of a Job Objective section, check out this sample resume. Top of Qa Engineer Resume Sample | Free Tips, this page.

The Summary of Qualifications section on your resume is Reading Assessment Ideas On Pinterest | Cold composed of three to four brief statements that say why you're the ideal candidate for Template, & Premium, the job mentioned in Reading On Pinterest Reading, your objective statement. In the Resume Sample, Summary of Qualifications section you can write about your experience, credentials, expertise, personal values, work ethics, background, or anything that makes you qualified for the job you're after. You're free to Reading Assessment Ideas On Pinterest | Cold, make claims, drop names, and do your best to entice the 40+ Printable (free) – Template, reader to finish reading the resume. Remember, all claims must be substantiated later when you write the body of the 25+ Best, resume so be honest while giving yourself full credit. Example: Someone staying in Resume Cover Graphic Cover Letter Samples, the field of financial management might write, I've worked as a financial manager for a mid-sized company for the last 14 years. 14 years as the financial manager of a company with current sales of $75 million. 2. Imagine your best friend is talking to the hiring person for the job you want. What would your friend say about you that would make the employer want to call you for an interview? Example : The best friend of a job hunter desiring an editorial position with a newspaper might say, She even won the Pulitzer prize! I don't think anyone from the Examiner had ever done that before.

First syndicated journalist at 25+ Best Assessment On Pinterest | Cold Reading, the Examiner to Daily Planner Templates (free) – Template, receive the Pulitzer Prize. 3. How is success measured in Reading Assessment Ideas On Pinterest Reading, the position mentioned in Qa Engineer Resume Sample, your objective statement? How do you measure up? Example: A software developer wishing to make a move into technical writing might write, Many different users have told me that my explanations are easy to understand. Reputation for writing clear and concise explanations for Ideas On Pinterest | Cold, technical and nontechnical users. 4. What is it about Accountant Sample My Resume Accountant your personality that makes this job a good fit for 25+ Best On Pinterest Reading, you? Example: A customer service representative staying in the same field might write, I am very diplomatic, so I get good results.

Outstanding diplomacy that consistently produces win-win results for customers and company. 5. What personal commitments or passions do you have that would be valued by the employer? Example: Someone wanting to lead an environmental organization could write, I am committed to Resume Graphic Cover Samples, educating people about industrial waste hazards that are endangering the environment. Strong commitment to preserving nature through education about environmental hazards. 6. Do you have any technical, linguistic, or artistic talents that would be useful on the job? Example: Someone applying to be a teacher in a multilingual school might write, I can speak Spanish, Italian, and Russian. Top of this page. Chronological or Functional Format?

How can your resume capture an employer's interest immediately? By using the best format. If your qualifications are presented in the right format, the reader can identify you as a worthy candidate in less than eight seconds. The chronological format is the most traditional resume format. It highlights your job titles, places of employment, and Reading On Pinterest dates of tenure by presenting them as headings under which your achievements are listed. (See template for Sample | Free Resumes Tips, chronological format.) You are staying in the same field. Your overall work history shows growth, making your job objective a natural next step in Ideas | Cold, your career path. Your most recent (or current) position is one you are proud of. You have no gaps in your work history.

The functional format presents your experience under skill headings, giving you the freedom to prioritize your accomplishments by impact rather than by chronology. In this format, your work history is listed very concisely in a section separate from your achievements. (See template for functional format.) You are reentering the 11+ Blank Meeting Templates Sample, Example, job market. You need to 25+ Best | Cold, emphasize skills or experience from an early part of 2011 Online Download, your work history. Your volunteer experience is relevant and needs to be highlighted. Your most recent position is not impressive. Your job titles don't accurately reflect the level of responsibility you had. The trendy format.

Some job seekers think the 25+ Best Reading Assessment On Pinterest | Cold Reading, functional format is the Resume Graphic Samples, more popular resume in today's job market. Not so! The chronological resume is still the Ideas, preferred version among most employers. However, if the chronological format doesn't work for your situation, the functional resume is Agenda Sample, Format a very effective alternative. Top of this page. Dates . . . How Far Back to 25+ Best Reading Assessment | Cold, Go. How far back should I go in my work history?

This question comes up for most job seekers when writing their resume. As a rule of Accountant Sample Best Resume, thumb, you are not expected to go back more than 10 years, however you may if it's to your benefit. To help you figure out how far back to go, consider these two things: How relevant your earliest positions are to your objective. How old you want to appear on 25+ Best On Pinterest, your resume. Age discrimination is illegal but employers may try to calculate your age using the dates you give. Most employers have an Accountant Best Resume age range they consider to be ideal for a particular job, based on salary expectations, skill level, ability to supervise or be supervised, amount of life experience needed, and On Pinterest | Cold perhaps other criteria. A well-written resume uses dates to lead the Qa Engineer Sample Resumes, employer to deduce that you are the ideal age for the job you are seeking, regardless of your actual age. Sally, 35 years old, was applying for a job as a sales clerk in a clothing store that catered to young professional women. She thought the employer was probably looking for a woman in 25+ Best Reading Ideas | Cold Reading, her mid-20s since the employer wanted someone who fit the image of the store and wouldn't expect wages as high as someone who had been in Sample Resumes. Create, the field for many years.

Take 20 years old as a starting point. Add the Reading Assessment Ideas | Cold, five years of Meeting – Free Sample, Format, work experience shown in her work history. Conclude that Sally was at Ideas | Cold, least 25 years old. Likewise, in her education, she stated her degree but did not give her graduation date since it would give away her age. Sam is a new grad who worked in Templates (free) – Template Lab Within, his dad's business all through high school and college. He was a remarkable achiever and was ready for more responsibility in the workforce than most his age. He applied for a position as a store manager, knowing that if he could just get his foot in the door he could convince the Reading Ideas, owner he could handle the job. Here's a quick and easy method for Resume Cover Cover Samples, understanding how dates on your resume make an impression about your age.

Use the EPT formula (Experience Plus Twenty): Subtract the earliest date on 25+ Best Reading On Pinterest | Cold, your resume from today's date (using years only, no months). Create Best? Add that number of years to 20 (as a ballpark figure for how old you might have been when your experience started) to get a total of x. That means you are at least x years old. For example, a resume written in Reading Assessment Ideas Reading, 2000 with a work history that starts in 1984 tells the reader that the job applicant is at least 36 years old (16 years of experience + 20 = 36). Top of this page. Disguising Employment Gaps. What's wrong with a few gaps in Qa Engineer Tips, my work history? you might ask. Isn't everyone entitled to a little time off? Many responsible professionals have taken breaks in Assessment Ideas, their careers to Meeting – Free Example, travel, take care of ill parents, recover from illness, and a myriad of other legitimate projects. 1. Reading? Use only years, not months, when referring to spans of time in your work history. This makes it quicker for the reader to Crafts, grasp the length of time, and can eliminate the 25+ Best Ideas | Cold, need to explain some gaps that occurred within two calendar years.

12/95-3/99 Manager Friendly's Ice Cream Parlor, Trenton, NJ. 2/92-1/94 Manager Lyon's Restaurant, Milbrae, CA. 1995-1999 Manager Friendly's Ice Cream Parlor, Trenton, NJ. 1992-1994 Manager Lyon's Restaurant, Milbrae, CA. 1998-2000 Home Care Provider for terminally ill relative. 1998-1999 Independent Travel: Europe, Asia, and Accountant My Resume Best South America. 1988-1999 Full-time Parent and PTA Volunteer, St. John's Academy. Family Financial Management. Personal Travel Adventure Travel. 4. If you use unpaid experience in your work history, be sure that you entitle the section either Work History or History, not Employment History or Professional History, since employment and professional both imply that you were paid.

Top of this page. Valuable Achievement Statements. Most resumes are boring because they focus on 25+ Best Ideas Reading, job duties (yawn!). True, the reader wants to know what you've done, but he or she is even more concerned with whether you can achieve results. You have the necessary experience or skills. You're effective at this work or at 40+ Printable Planner – Template Lab Within, using these skills. You take pride in Reading On Pinterest Reading, and enjoy your work. Your accomplishment statements will also instigate interesting conversation about your strengths during the interview.

Increased productivity 20% as lead engineer on Hewlett Packard's HMS technical team. What are some quantifiable results that point out your ability? Drove profits from Planner (free) $20 million to $34 million by directing a national celebrity marketing campaign. When have you demonstrated P.A.R. (Problem, Action, Result)? What was the problem, what was your action to remedy it, and what was the 25+ Best Reading On Pinterest, result? Reduced theft 47% by Design Resume Cover Samples, instituting Shoppers#146; Spy, a tight yet discreet security program. When did you positively affect the organization, the bottom line, your boss, your coworkers, your clients? Enhanced staff morale through a six-month incentive program that also instigated a major increase in sales. What awards, commendations, publications, etc. have you achieved that relate to your job objective?

Awarded Top Salesperson three consecutive years. How is success measured in your field? How do you measure up? Selected by the NIH to represent the Assessment On Pinterest Reading, United States at Accountant Create Accountant, the International AIDS Conference in Brazil. Are you good at 25+ Best Reading | Cold, using the skills required for this job? When have you. demonstrated that to be true? Used advanced CAD tools to create a totally new look in video game modeling. What activities, paid and unpaid, have you done that used skills you'll be using at your new job? Offered academic counseling to 40 students at Make It Happen, a program at Sanford High School.

When did someone sit up and take notice of how skilled you are? Commended for achieving 97% of production goal in an industry where 85% is considered high. Top of Qa Engineer Sample | Free Tips, this page. Your education is almost always a point of interest to a prospective employer. 25+ Best Reading | Cold Reading? The Education section is usually positioned at Templates, or near the end of the 25+ Best Ideas Reading, resume. 40+ Printable Daily (free) – Template Lab Within? Here are some instances, however, when it is better to 25+ Best Reading On Pinterest | Cold, place it under the Template, & Premium, Summary of Qualifications section near the beginning of the resume: If your education is highly relevant to your new position. If you're a new graduate. If you have no employment experience in Reading On Pinterest Reading, the field you are going into, but have a degree or training in 40+ Printable Templates (free) – Template, that field. Following are some tips on how to create your Education section.

State where each degree was received. It is 25+ Best Assessment Ideas | Cold not necessary to list all the Resumes. Resume, different schools you attended leading up to achieving your degree. Dates are optional. 25+ Best Reading | Cold Reading? They sometimes indicate how old you are and how current your knowledge is, so be conscious of Design Resume Designer Samples, that when deciding whether or not to include them. Majors, minors, theses, dissertations, internships, and coursework should be listed only 25+ Best Ideas | Cold Reading if they are relevant to your job objective.

You can spell out the degree (e.g., Bachelor of Arts) or use the representative letters (e.g., BA or B.A.). If you went to college but do not intend to get your degree in the immediate future. Write your area of study and the name of the college. For instance: Liberal Arts, Antioch College, Yellow Springs, OH. If you attended several schools without completing your degree requirements, list only one or two schools.

Listing more than that might make the reader think you tend to move around a lot without finishing things. If you are currently in a relevant educational or training program but have not yet finished. List the Daily Planner Templates (free) – Template, program and name of the institution you are attending, followed by the date you intend to finish, or a phrase such as currently enrolled, anticipated completion, Spring #145;95, in progress, or six months completed. Top of this page. Other Laundry Lists. Where should you put your laundry list of technical, personal, and Ideas On Pinterest | Cold Reading professional details if they don't fit in the primary sections of your resume? You may need to create one or more headings in addition to the ones that you've already put on your resume. Here are some possible additional headings: What you do in your unpaid time may say more about who you are than what you do for employment. If you feel that your volunteerism makes a statement about your dedication, character, or social awareness, or in any way enhances your qualifications for Snowman | Free & Premium Templates, your next job, this is the place to list it. Dates are optional.

If dates are listed, you should present your volunteer work in 25+ Best Reading Assessment | Cold Reading, reverse chronology (i.e., most recent first). Daily Planner Templates (free) Lab Within? If you don't use dates, list your community service according to impact (i.e., most relevant first). Professional associations that you belong to can be listed either alphabetically or in 25+ Best Reading Ideas On Pinterest | Cold, order of 40+ Printable Templates (free), relevance to your profession. If you held or currently hold an office, that should be noted. Articles, books, chapters in books, and 25+ Best Assessment Ideas research papers that you have authored or co-authored belong in this category. 11+ Blank Meeting Agenda Templates Format? Usually dates accompany this information, necessitating that they be presented in reverse chronology (i.e., most current first). List honors, awards, and grants you have received that support your job objective. If you have computer skills that are highly important to your next job, you can highlight them by Assessment Reading, creating a special section for them.

Your list may include hardware, software, languages, systems, and Qa Engineer Resumes networks. Some job seekers like to 25+ Best Assessment Ideas On Pinterest, have a section called Personal Interests where they can list travel, sports, religious, political, and Agenda Templates – Free Sample, Example other personal activities. Reading Ideas? The Personal Interests section is optional and should be included only if you feel your personal activities: Add to your qualifications as a candidate for your job objective. Say something about your character which might be valued on the job. There's controversy among professional resume writers as to whether personal interests are appropriate on a resume.

Employers have reacted to them about 50/50. Some find them irrelevant, others find them interesting and valuable, while many others have said they wouldn't hold it against | Free & Premium Templates a job seeker for including that sort of 25+ Best Assessment On Pinterest | Cold, information. Other headings that might appear on your resume include: Exhibitions, Research, Lectures, Licenses, and Sample | Free Resumes Tips Certifications. 25+ Best Ideas On Pinterest | Cold Reading? Or you may choose to combine two related headings (such as Education and Certifications).

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Two IELTS health essays – focus on the question. In this lesson I give you two different essays to read and download about health and the future. Why? They answer two different questions. The aim is to draw your attention to a very common mistake of writing generally about a topic and not answering the question itself. Different questions need different answers! Read the questions – read the IELTS health essays. Read through these two questions and then the two essays. Which one is which?

Can you match the essay to 25+ Best | Cold Reading the question? Much of the language is the same and I use similar “ideas”. But you should see that in each case I make sure my essay is structured to the question. Despite advances in medicine and improved access to Cover healthcare, the overall level of health is falling in many countries. Why is this happening and what can be done to solve this problem? Despite advances in Assessment Ideas On Pinterest, medicine there are concerns that certain diseases such as diabetes are increasing and 40+ Printable Templates (free) some people believe future generations will face greater problems with health and die younger than we do today. Reading Ideas | Cold Reading. What is Crafts your opinion?

It is undoubtedly the case that medical science has improved dramatically in recent years. Unfortunately, however, this has not always led to Assessment Ideas an improvement in standards of health because of modern diets. Graphic Cover Letter. Part of the solution to this problem must be to 25+ Best Assessment | Cold improve health education among the young. The principal reason why general standards of health are decreasing is because young people in particular are not eating healthily enough. Indeed, many experts have established that the current obesity epidemic among the young is directly related to the rise in diabetes, which is one of the leading causes of ill-health nowadays. Most evidence suggests that the diet of Sample Resumes., many youngsters is largely composed of convenience and junk foods that contain extremely high levels of Reading On Pinterest Reading, sugar and harmful food additives. This diet, which lacks essential forms of nutrition such as vitamins, is the root of the problem and the cause of many health problems today. The most effective method of addressing this problem is almost certainly to provide better health education in schools.

The main reason for this is that young people need to Accountant Resumes. be told at a young age what the Reading Assessment | Cold, long-term effects of a poor diet can be and the most effective forum for Planner Templates this is school. If, for example, a child has lessons on the need for 25+ Best Assessment On Pinterest | Cold a well-balanced diet in biology classes and does a research project on Cengage Learning. Video what types of food provide the best nutrition, then they will almost certainly learn healthy eating habits which will protect them later in life. This is a case where prevention is stronger than cure. My conclusion is that while falling standards of general health caused by poor diets is a concern, the problem can solved if we prevent it at source by providing appropriate health education. There is no question that medicine has progressed dramatically over the last century, but this does not mean that all our medical problems have been solved. Reading Assessment On Pinterest Reading. Indeed, my belief is that the average life span in the Western world may actually fall in the 21st century. This is in Cengage Learning. - Ppt Download, contrast to the situation in developing countries where I expect health provision to improve and longevity to increase. The main reason why overall health may become worse in Ideas, the industrialised nations of the West relates to modern lifestyles there. This is Qa Engineer Sample Resumes partly because we now take less exercise than ever than before and our diet is much less healthy and there is already evidence that this has led to an obesity epidemic in many countries.

Many experts are predicting that this is going to 25+ Best Assessment Ideas | Cold Reading have a serious impact on their health in old age. So, for 40+ Printable (free) example, a child of today who grows up a diet on convenience food, rich in sugar and full of additives, and who does take regular exercise may only live to be 65, whereas current life expectancy is around 80. The situation in Ideas On Pinterest | Cold, the developing world is, however, quite different and overall health is likely to improve. This is Letter. Graphic Designer because there are currently serious problems with access to healthcare and the quality of healthcare in these countries. 25+ Best On Pinterest | Cold. For instance, in some places there is no local hospital or the local hospital lacks the appropriate treatment for preventable diseases such as cholera. That is likely to change in the future as the overall economy and infrastructure improves in these countries. My conclusion is therefore a mixed one. While it is true that people may face greater problems with their health in the future, this only applies to Meeting Agenda Templates Sample, Example industrialised nations and not to the developing world where life expectancy may increase. The first essay was question 1 and the second question 2. I hope you got that right. Reading Assessment Ideas | Cold. Here is how you can learn to answer the question in Accountant Resumes., your essays:

think carefully about the question – don’t just focus on 25+ Best Assessment Ideas the topic, look for the task – the bit of the Daily Planner Templates (free), question that tells you what to write. Do you need an opinion? Do you have to Ideas On Pinterest | Cold Reading agree? Do you have to find a solution? Nearly all the time the words are quite clear, you just have to look for them. structure the essay according to Template, Snowman Crafts | Free the question – think about how you are going to Ideas | Cold Reading use your two body paragraphs. Are they going to say the same thing in two different ways (I agree because x and I agree because y) or are they going to make different points (this is the Qa Engineer Resume Sample | Free Resumes Tips, problem and this is the solution) focus on question and outline the point of view/opinion in the introduction provide an answer to the question in 25+ Best, the conclusion. Concentrate on the question when you structure your essay – think body paragraphs. Ask yourself what the question is Accountant Sample Resumes. Best asking you to do and how you will structure your answer – in particular how are you going to use your two main body paragraphs.You really, really don’t need to learn different models of essay.

Much easier I believe just to read the question and deicide how you are going to 25+ Best Reading On Pinterest use each paragraph. The first question asks me to explain why a problem is 40+ Printable Planner Templates (free) Lab Within happening (why health is getting worse) and Reading Assessment On Pinterest what I think the solution is. This means my answer must contain an explanation of the problem and 11+ Blank – Free a solution. For me, the logical way to organise this essay is to use one body paragraph for the explanation and the other for the solution. Para 1 – this is why the problem is happening. Para 2 – this is how we can solve it. The second question asks me for my opinion about what will happen in the future.

Will people be more healthy and will they live longer? There are perhaps more ways of answering this question. The main idea though is the On Pinterest | Cold Reading, same in each case – you need to find a logical way of using your two body paragraphs. The main possibilities are: para 1 – I think it is Resume Cover Letter Samples true for this reason. Para 2 – I think it is Assessment Ideas On Pinterest Reading true for another reason. or the BB essay.

Para 1 – I don’t think it is true for this reason. Para 2 – I don’t think it is true for Cengage Learning. - Ppt Online Download another reason. or the 25+ Best Reading, AB essay. Para 1 – I think it is true up to a point/sometimes. Para 2 – I think that it is not true some other times. Get the 2011 - Ppt Video, introduction and conclusion right.

When you are writing you want to focus on the question in both your introduction and Assessment On Pinterest Reading conclusion. You don’t want to waste too much time writing introductions. But you still need to write them carefully. In your introduction you need to identify the question and Template, Snowman & Premium show show the examiner your “point of view” or how you are going to 25+ Best Reading Assessment Ideas On Pinterest answer the question. The conclusion works in the same way. This is where you give your final answer to the question. To do that you need to identify the 2011 Cengage Learning. - Ppt Video Online, question and write a clear answer to the question in your conclusion . Now download the Reading Ideas On Pinterest | Cold Reading, complete IELTS health essays. I hope you will see now that the two questions are quite different and need different answers. If you read through my two essays again, you will see that while the ideas and language are similar, the structure and introduction and conclusion are quite different. A useful exercise is of course try to write the essays yourself.

The main reason I post these essays in lesson form is to help you write for yourself. This time around, why not write both essays? To see how it can be done, take a look at Zara’s essay added as a comment to this lesson on essay structure. I just can’t promise to Design Resume Cover Designer Samples comment on it! Get more help with IELTS preparation on the main pages of my site. Keep up with me on Facebook - all the updates and even more advice there. Or just get all my free lessons by Reading Assessment, email. 8 Responses to Two IELTS health essays – focus on the question.

Here’s my response to Question 1. Daily Templates. Please provide your valuable feedback. Over the past few years, people are increasingly faced with health related problems irrespective of the advancements in the medical field. In my opinion, a great number of 25+ Best Reading Reading, these complications are associated with the unhealthy life style. Health of the public can only be improved if they are educated about healthy ways of living and safe eating. The most significant reason why there is a decline in health standards of many nations is that majority of people have adopted an Meeting Format unhealthy approach to life. This harmful attitude accounts for bad choices in food like processed foods or eating out at fast food restaurants. As a result increased consumption of Reading On Pinterest, food, which consists of high glycaemic index, makes people lazy and prohibits them from taking regular exercise. This diet accompanied with lack of physical activity is the root cause of increasing health problems among the present generation.

This situation can be improved if an Sample Resumes Tips awareness is created among public especially youngsters about making healthy choices in life. Assessment | Cold Reading. In order to educate young people about nutritious and natural foods, schools should teach subjects relating to diet and nutrition. This fundamental knowledge about the long-term effects of meal intake would make youngsters cognisant of their choices and Sample Create Best Accountant encourage them to opt for the natural ingredients instead of processed or packaged meals. In addition, schools should make health and physical education compulsory for all students so that they participate in 25+ Best Reading Ideas, games and activities. It will allow them to keep fit and thus avoid diseases resulting from physical inactivity. In conclusion, people’s inclination towards inadequate style of living is causing serious concerns for 11+ Blank Templates Sample, health. However, this issue can be effectively handled if public especially younger generation is empowered by providing adequate health education. Another good essay. Well-structured and coherent. A couple of quick notes. You seem quite fond of “show-off” words.

This can be a dangerous habit. 25+ Best On Pinterest Reading. The more complex the word, the 40+ Printable Planner (free) – Template, more likely it is to go wrong – unusual words are unusual for a reason – we don’t use them that much or we use them in only specific circumstances. That is the point behind my series on the AWL – those are the Ideas On Pinterest | Cold Reading, words we actually do use. Here “advancements” doesn’t exist and “cognisant” is a very unusual choice. i’d go for “aware” – even though you have used “awareness” slightly earlier. The other point is that you have a slight problem with articles – who doesn’t! They are one of the peskiest bits of English grammar that trip up even very level people like you. Read your first para again, can you see any mistakes? If you can, that tells me you aren’t checking in the right way. You need an error check list where you check for certain types of mistakes.

What is on that checklist will vary from person to person, but I’d suggest that articles is one bit of grammar that should be on everyone’s list. Sorry for the late response, the time difference between Manchester and 2011 - Ppt Online Melbourne is huge. I think i mentioned earlier that articles is 25+ Best Reading | Cold Reading a major area i need to improve. Can you suggest me any good website or any other source which could be used to work on this area? Yes i think i’ve a bad habit of trying to write unnecessarily complex words. Thanks for pointing out and I am working on Accountant Resume this and pushing myself to write simpler as per Reading Assessment On Pinterest your instructions. In the first paragraph, i think ‘the’ is not required with ‘advancement’ and ‘unhealthy lifestyle’. Do you think that starting the second body paragraph with a phrase like ‘this situation’ is acceptable or should it be changed with some other simple sentence like ‘Overall level of health can only be improved if …’?

Is there any harm in using the phrase from the essay topic at any stage? Can i download this lesson.? Could you kindly provide me with your feed back on my reply for Template, Snowman Crafts & Premium Templates question 2? The tremendous progress in the medical field, within the recent three decades is undeniable, but on the contrary, it is still seems that overall health level is declining, and the average life length is decreasing. While I agree on the first point, I still believe that the second one is unpredictable to some extent.

Primarily todays’ lifestyle in 25+ Best Reading Assessment Ideas On Pinterest | Cold, regards to Template, Crafts Templates long working hours, and increasing numbers of working mothers, in addition to, the Reading | Cold, enormous dependency on fast and preserved food; which will obviously increase the Planner Templates (free) – Template Lab Within, health problems, and even create new types of them. For example, the average child those days spend most of his free times playing electronic games, and consuming fatty food, which is usually working mothers rely on; not mentioning the 25+ Best Assessment Ideas On Pinterest | Cold, huge amounts of sugary products including candies, chips and canned drinks. The probability of this child having obesity problem is high, in addition to, the risk of 11+ Blank Agenda Example, getting high blood pressure or debate on the future. On the other hand, science is becoming more advance than ever, and most governments do not hesitate to allocate a decent portion of their budgets on the medical field. For instance, the United States is dedicating fair amounts of its health budget on Reading Assessment Ideas On Pinterest fighting diseases like: cancer, Aids, diabetes, and even obesity ; and Design Resume Graphic Designer Cover Letter the agenda are in 25+ Best Assessment Ideas | Cold Reading, continues increase. This leads to remarkable advance in Resume Sample Resumes, the health sector in general, and on extending human’s life span in particular. To conclude, it can be said that although the remarkable decline on 25+ Best Assessment On Pinterest | Cold Reading the health quality, there is still hope that some solution could be found to maintain or even prolong the | Free Tips, average age of future generation.

Could you post this in the forum please. Then there is a goodish chance that someone would look at it. In your 2ed essay, you wrote ” than ever than before” and Ideas On Pinterest | Cold Reading “grows up a diet”. Is it right to Template, Snowman & Premium Templates say ” than ever before” and Assessment Ideas On Pinterest “grows up with a diet”?

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50 ways to improve your resume to land a financial services job. This could be the Reading Assessment Ideas On Pinterest | Cold, most comprehensive list of tips for writing a resume yet! Ensuring that your resume is very well crafted and answers the needs of the recruiter will. This could be the most comprehensive list of tips for Template,, writing a resume yet! Ensuring that your resume is very well crafted and 25+ Best Assessment | Cold answers the needs of the recruiter will increase your chances of Cengage Learning., getting a job interview. A good resume is the first step to landing that job you want. Our tips: 1. Don’t write “Curriculum Vitae” or “Resume” at the top.

This simply isn’t the done thing anymore; it should be pretty obvious what it is. Assessment On Pinterest. 2. Your name should come at the top. This is the current standard. It makes it easier for recruiters to sort out their pile of applications. So, [email protected] or [email protected] felt like a cool email to have when you were 16. It unfortunately does not make you look professional or serious. Create a neutral email for Resume | Free Tips, your resume – nothing funny, saucy or rude is ideal. 4. Don’t include a title with your name. Your sex is not relevant. If you have a name like Sam or Alex, there is no need to Assessment On Pinterest | Cold Reading write your title so that the employer knows whether you are male or female. Create Accountant. In fact, having a gender neutral name might be an advantage.

On average, the recruiter will assume you are male and Ideas | Cold as the job market currently tends to favor men over women, keeping it vague is probably a good thing. 5. The only necessary personal information: email, phone number, mailing address. Everything else does not matter and Accountant Resumes. Best should therefore not be included. 6. Don’t include marital status or sexual orientation. Whether you are single, married or divorced, gay or straight is completely irrelevant to Reading the job; don’t include any of these personal details. Importantly, giving too much personal information opens you up for discrimination. It doesn’t add to your value as a potential hire. 8. Don’t include your political affiliation. It doesn’t add to your value as a potential hire. 9. Don’t include any salary information. That said, using the correct words and appearing mature will signal the sort of pay packet you are after.

On inspection, most recruiters will know if they are dealing with a seasoned pro or an 11+ Blank Meeting Agenda – Free Sample, Example Format amateur. 25+ Best On Pinterest | Cold Reading. It used to be common to Meeting Agenda Sample, Example include your date of Reading Ideas On Pinterest Reading, birth on your resume but by law that is 11+ Blank Meeting Templates Sample, no longer necessary in Ideas On Pinterest, many developed countries. Your age doesn’t impact your ability to Qa Engineer Sample | Free Tips do most jobs so don’t include it. Arial is clean cut and looks very professional. 25+ Best Ideas | Cold Reading. If you really want to get it all on one page and Arial is taking up too much space, use Arial Narrow. Most people have a very short attention span so the shorter it is, the more likely that the recruiter will get through the 11+ Blank Meeting Agenda Example Format, whole resume. Two pages is okay but even then, get the most critical job-grabbing information on page one.

13. How far back should you go? No more than 15 years, generally. As you gain work and life experience, you’ll need to start deleting some experiences because they simply don’t matter anymore. Reading Assessment On Pinterest Reading. For instance, my resume when I finished high school had some positions of responsibility: Head of House, Captain of This, Captain of That and I have deleted all of that now. It’s not relevant and has been superseded by my university and more recent experiences.

Bullet points give structure to a resume/CV, they make it more punchy and much easier for the recruiter to 40+ Printable Planner (free) read. Don’t use full sentences or write like you are telling a story. You can do that on your cover letter. 25+ Best | Cold Reading. 16. Don’t use personal pronouns – I, he, she, it, we, they, you. Get straight to 11+ Blank Templates Example Format the point. “I closed the largest sale of the year” is too long, just say “Closed largest sale in 2012” Generally, a professional resume/CV does not have a border.

If President Obama had to Reading Assessment | Cold Reading write a resume do you see him having borders on it? For some reason, I cannot. Even from the Sample Accountant, very outset, you want your resume to have the air of a Statesman – clean, confident, professional, to the point. 18. Don’t try to be too different, no fancy stuff. Take it from someone that’s had to On Pinterest recruit before. Above and beyond looking clear and smart, there is nothing more annoying than someone who tries to stand out by a) adding graphics to their resume or b) presenting the information in a totally different way to Cengage Video Download the standard.

If you have a pile of 50+ resumes to get through (and a lot of recruiters nowadays have many more), it is a lot easier to get the work done when people follow the usual order of things. Education first, work experience second, then everything else after that. When I want to hire, I just want someone that can do the 25+ Best Ideas Reading, job and having a cool resume isn’t going to differentiate you. If anything, some might assume you are trying to compensate for a lack of something. Some resumes look downright shoddy. A recruiter who has a large pile of resumes to get through will not waste their time on Create My Resume Best Resume, someone that couldn’t bother to neaten their resume up.

There are free resume templates to get you started. Place dates either on the left or the 25+ Best On Pinterest Reading, right so it’s easy to follow your education and work experience path. Merging it all together with your bullet points is a) messy and b) can suggest you are trying to | Free Resumes Tips hide career gaps. 25+ Best Reading Assessment | Cold. 21. Date formats should be consistent. Generally, if I just have a year, I write the 40+ Printable Daily Planner, full year. 25+ Best Reading Ideas On Pinterest. If I have months and the year, I shorten the year because the resume starts looking clogged up. Good format for year: 2012. Bad format for year: ‘12. Snowman Template, Crafts & Premium. Good format for month and year: Sep-12. Bad format for month and year: September 2012 (it takes up too much space) Unless the employer asks for Reading Assessment Ideas On Pinterest Reading, it, you don’t need to have a photograph of yourself on 40+ Printable Daily – Template, your resume/CV.

If you’re applying for Assessment Ideas, a modelling job then your portfolio of pictures might be necessary as it is obviously a very necessary feature of the job. Cengage Learning. Video Online Download. 23. Assessment Ideas On Pinterest | Cold Reading. General rule: most recent information goes first. 40+ Printable Daily Planner (free) – Template. Put the most recent education and the most recent work experience first. Assessment Ideas On Pinterest | Cold Reading. So, under education, university comes first and then secondary or high school information. Under work experience, the most recent work experience is put first. Qa Engineer | Free Resumes. 24.

Relevance rule: most job-relevant information goes first. If the 25+ Best Assessment On Pinterest | Cold, most recent work experience is not the Snowman Template, Snowman & Premium Templates, most relevant, place the most relevant work experience first. Applying for a job in the UK? Then use British English. Applying for a job in the USA? Then use American English. By the way, to the British it’s a CV; to Americans it’s a resume. It will definitely reduce your chances of Ideas On Pinterest | Cold Reading, getting a job. If I’m recruiting and Design Cover Designer Samples I see a typo, I’m probably going to throw that resume/CV in the trash unless there are other redeeming features. 27.

Don’t use text language, jargon, acronyms or slang. This is 25+ Best Reading Ideas | Cold Reading a big no-no. 40+ Printable Daily Planner Lab Within. Text language is essentially a typo. It should not feature anywhere on your resume. Jargon will make it difficult for the recruiter to understand your background. Assessment | Cold Reading. Remember, resumes normally get filtered by Designer Letter, Human Resources (HR) before they are passed on to the teams that need to hire.

HR might not be familiar with some jargon. Same applies for acronyms; unless they are accepted acronyms like USA, UK etc. an acronym is essentially jargon. You should spell out your acronym first (like HR in the previous sentence) if you intend to use it. Slang is simply not professional, do not use slang. Especially if you are applying as an experienced hire, under education and Reading Ideas On Pinterest | Cold work experience, make sure the job titles are very specific and that they sell you. Specific titles allow the recruiter to very quickly decide if you have the necessary qualifications and experiences for Templates (free) – Template, the job.

Bad title: Analyst at Bank X. Good title: Analyst on Energy Team in Investment Banking Division at Bank X. Assessment | Cold Reading. 29. List all the positions you held in one firm separately. Design Resume Cover Designer Cover Samples. If you’ve been with one company for a long time, it’s likely that your title and/or job function has changed over the years. It is helpful to potential employers if you can break down that timeline. Segmenting the information gives an Reading Assessment On Pinterest employer useful insight into the nature of your experience.

30. Lacking in work experience? Focus on skills and qualities. Best Accountant Resume. When you are just starting out, you may well not have any work experience. However, if you have time, get some work experience. Even unpaid work e.g. volunteering at a charity shop or at an Olympics or other event is great to have on your resume/CV. It doesn’t matter if you say you’re a great team player or have fantastic communication or leadership skills unless you can back that up. If you have a “Team-working Skills” section have examples of when you have worked on a team e.g. in sport. If you have an “Organizational Skills” section have examples of when you organized an event.

Always validate skills and 25+ Best Ideas Reading qualities with examples. 32. Include Positions of Responsibility. Positions of 40+ Printable Daily Planner Templates (free) – Template, responsibility e.g. being Head Girl, Head of House or Captain reveal that you have experience in being a leader and managing people. Indeed, they might also reveal that your are popular and personable – more often than not, to be Head Girl, Head Boy or Head of 25+ Best Reading Assessment Ideas On Pinterest | Cold, House teachers or the whole student body have to vote for you. Cengage - Ppt Online. If you’re still in Reading, school or university and Qa Engineer Resumes there’s time, try to attain a position of responsibility in some club or society. Achievements reveal very different information to Positions of Responsibility, they show you are a goal-setter and an achiever in either sport, the arts or academics.

This in 25+ Best Reading On Pinterest | Cold Reading, turn reveals you’re a hard-worker, persevering and have initiative. Cengage - Ppt Video Online. Getting an award for something is 25+ Best Reading Assessment | Cold not usually easy, it requires some amount of grit and determination. 34. Be careful about 2011 Video Online Download including interests. Don’t include hobbies. Some interests open you up to Assessment Reading being judged harshly. Planner Templates (free) Lab Within. Unless they add to your value as a potential hire you don’t need to add hobbies.

At times including a hobby may relay useful insight, for instance, if you’re applying for a role where a lot of reading will be required e.g. reading legal or other documents, then mentioning that you’re a prolific reader and that you can read a 300-paged book in one afternoon is of value. 25+ Best Reading Assessment On Pinterest Reading. 35. Look decisive, don’t tarnish your loyalty card. Employers want to hire someone that will stay for a while. If your resume shows that you chop and change jobs very regularly, this will act against 2011 - Ppt Video Online Download you. Reading Ideas | Cold Reading. It will show one or more of the following: You’re not loyal. You’re a risky hire. Overall, the – Template Lab Within, resume needs to be consistent.

Numbers help to further credentialize you. If you’re applying for a sales position add examples of 25+ Best Assessment On Pinterest, sales targets you have reached or exceeded. Emerging Market FX Sales, Bank X. 11+ Blank Meeting Templates – Free. Increased sales revenue by 20% in first year and a further 15% in second year. 25+ Best On Pinterest. Was one of the top three sales people every single year for 5 years. You can also throw in statistics showing your ranking at Accountant Sample Resumes. Best Resume school or in 25+ Best Reading On Pinterest Reading, university. 37. Snowman Crafts & Premium. Don’t include reasons for why you left your old job. It’s not necessary on Assessment | Cold, a resume as it doesn’t add value to why you might be a good candidate for the job.

Of course, it is likely to come up in Meeting Agenda Sample, Format, interviews so make sure you have a good response to the question. 25+ Best Ideas Reading. There is no space on 11+ Blank Agenda Templates – Free Example Format, a resume for complaints or criticisms of previous employers. If you didn’t like a certain job or activity that you took part in, don’t say that. Recruiters don’t like complainers or problem-makers. Your employer will find out when you start work if you exaggerated anything or a background check might bring out inconsistencies.

You could lose your job, or end up in court if particularly egregious. It’s not worth it, don’t do it. 40. Have different resumes for different roles. If you are applying for exactly the same type of job in different companies then the same resume will suffice. However, if you are making applications based on different job specs then you need to customize your resume. 41.

Before you send it off, match your resume against the job specification. Ensure that your resume includes as much as possible regarding what the employer has asked for. 25+ Best Ideas Reading. That said, a major point to keep in mind: you don’t need to have 100% of what has been requested. 11+ Blank Agenda Templates. Statistics show that men frequently apply for a job even when they only partly match the person specification. Women usually only make the application when they have everything.

I say, be a man! 42. Check it twice then get a fresh pair of eyes to look over it again. This is related to the point on typos. When you have been working on your resume for a long time you might fail to see inconsistencies that a fresh pair of 25+ Best Assessment On Pinterest, eyes will pick up immediately. Get a professional resume writer to review your resume and increase your chances of Resume Cover Letter. Graphic Letter, getting a job interview. 25+ Best On Pinterest. Nowadays recruiters including head hunters frequently use searchable databases to find a candidate. This is Design Cover Graphic also true on LinkedIn. When I am looking for someone I will type “Head of Diversity Recruiting at Company X” or “Marketing Expert, New York” etc. Make sure your resume uses the correct keywords for the job you are looking for, so you are visible on these searches.

44. Ideas | Cold Reading. Mention any prominent industry specialists that you’ve worked with. This will help to credentialize you. Prominent specialists don’t waste their time working with small-timers. Having had access to and worked with people of this caliber adds credibility to your profile.

It is more common for people to just write “References available on request”. Cover Designer Cover Letter. Some people think this is daft because that’s stating the obvious. However, I would say include this line if there’s space. It doesn’t do you any harm. 46. Assessment Ideas Reading. Update your resume and your LinkedIn profile regularly. Ensure you have an updated resume/CV and profile on LinkedIn so you’re ready to take advantage of your next opportunity. We live in a fast paced world; your next job offer is Agenda Format always around the corner. Head hunters are constantly scanning people’s profiles on LinkedIn to fill new positions.

Gone are the days when people sat in 25+ Best Reading Ideas On Pinterest, the same job for 30 to 40 years at a time. 47. Print your resume on a high-quality printer. This ensures it looks attractive and Design Resume Cover Graphic Cover Letter Samples professional. 48. Print your resume on high-quality textured paper. This adds to Reading | Cold the look of professionalism. As most candidates will have used ordinary white paper, you will stand out. 49. Email your resume in Snowman Crafts | Free & Premium Templates, PDF format. PDF looks cleaner and can be viewed in the same way on any computer.

If, for instance, your resume is 25+ Best On Pinterest | Cold written in Microsoft Word, sending it in that format means: All the paragraph marks, and tables etc. will show – that’s not very attractive. A recruiter using an Apple computer without Microsoft Word installed will have the formats re-arranged – again, this is unappealing. 50. Consider getting professional help. Especially during recessionary times, employers are inundated with resumes for available positions. Getting a professional to look at your resume and mark it up is a worthy investment. It’s especially useful if you’re new to the job market. Sent your resume out for Design Letter. Cover, many positions and heard nothing back?

Get a professional resume writer to 25+ Best Assessment | Cold check if your resume/CV could be the problem. Well, I don#8217;t totally agree with points 12 and 18. Pt 12 : in some job, it#8217;s considered as a lack of experience if your CV is only 1-page length. Those damn#8217; consultants, for example : maybe because part of their job is | Free Tips producing studies and other documents valued by their weight (the more pages, the better the study), they tend to consider that the longer the CV, the better. I#8217;ve heard more than once #8220;only two pages ? but you have more than ten years of experience !#8221;. Pt 18 : if you are no longer a #8220;junior#8221; in 25+ Best Reading, your job, I was taught that it#8217;s better to put the experience before the education. The comment is under moderation. It will appear shortly. eFinancialCareers is a DHI service. DHI is a publicly-traded company listed on Cover Graphic Cover Letter, the New York Stock Exchange. (Ticker: DHX)

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Pension system in the Netherlands. The Netherlands has a pension system that can be considered unique around the world. The Dutch pension system consists of 25+ Best Reading On Pinterest | Cold, three so called pillars. 40+ Printable Planner Templates (free) – Template! The first pillar includes the state pension (Algemene Ouderdoms Wet, AOW), which consists of a flat benefit and Reading Ideas On Pinterest, is granted to every Dutch citizen aged 65 years or older. The second pillar consists of mandatory collective pension schemes which are arranged within pension funds or insurance companies. A certain occupation, industry or company is often linked to a particular pension fund, meaning that with practicing a certain occupation, your pension fund is already predetermined.

The last and third pillar consists of voluntary private pension savings (Federation of the Dutch Pension Funds, 2010). Although the pillar structure of Dutch pension system itself does not differ much from the pillar structure of other western countries, the size and relative importance of each of the pillars is rather different. As can be seen in table 1, the size of the second pillar is relatively large in the Netherlands compared to other European countries (Bovenberg, 2014). As a consequence, pension funds are important institutions in the Dutch pension system. Table 1 size of the different pillars of pension systems in European countries. The Netherlands Germany France Italy Spain Swiss UK US. 1st pillar 50 85 79 74 92 42 65 45. 2nd pillar 40 5 6 1 4 32 25 13. 3rd pillar 10 10 15 25 4 26 10 42.

This unique position of second pillar pensions in Resume Letter. Cover, the Netherlands demands realignment of the financing structure of the Reading, first and second pillar through the franchise. Accountant Sample Resumes. Best Accountant Resume! The AOW in the first pillar is financed by social premiums every employed Dutch citizen pays to the government. The pension benefits received from the pension funds in the second pillar are financed by paying pension premiums into the pension fund. Originally, the franchise is meant as an instrument to achieve the integration between both pillars. In order to establish this integration, part of the labor income is exempted from paying pension premiums over into 25+ Best On Pinterest | Cold Reading, a pension fund; the franchise (Schols ‘ van Oppen, 2009). Since the relative importance of the second pillar is unique for the Netherlands, the Cover Graphic Samples, franchise is a typically Dutch phenomenon. Reading Assessment Ideas! Theoretically the franchise equals the part of the labor income over Sample Resumes. Create My Resume Best which AOW benefits are granted (Schols ‘ van Oppen, 2009). To this respect, no Dutch citizen should pay ‘double’ for their pension income.

Strictly speaking, the one to one relationship between the franchise and the AOW should result in a franchise that is uniform across pension funds. On Pinterest Reading! In practice the level of the franchise differs between pension funds (Eberhardt, 2014), although it has a uniform character within the funds itself (Schols ‘ van Oppen, 2009). Before 2006, the Dutch pension system was characterized by a final salary system. In this system the relationship between the Meeting Agenda – Free Sample, Example Format, franchise and the AOW was maintained. However, with the transition to the average salary system in 2006, the Assessment Reading, relationship between the franchise and the AOW diluted . The uniform franchise used by the large Dutch industrywide pension funds is an Template, Crafts | Free element of a uniform accrual system further consisting of Reading Ideas | Cold, a uniform pension premium and a uniform accrual rate. These aspects of the 11+ Blank Meeting Agenda Sample, Format, financing structure within a pension fund are uniform in the sense that their level is the same for every participant of the fund regardless of his or her individual characteristics (CPB, 2013). 25+ Best Reading Assessment On Pinterest | Cold! This implies that every participant of a pension fund pays the same pension premium in terms of percentage for Meeting – Free Format which the same amount of Reading Ideas | Cold, labor income is exempted by the franchise, to accrue the same accrual rate per year. Especially the franchise and accrual rate are highly interdependent. To this respect they are inseparable: a higher accrual rate implies a higher franchise and vice versa (A. Paulis, personal communication, May 22, 2015). An aspect of the 11+ Blank Meeting Sample,, uniformity characterizing Dutch pension funds which has given rise to a great deal of debate is the fact that participants in pension funds are often not uniform at all.

The uniform accrual system finds its origins in 25+ Best Ideas | Cold, the notion of solidarity between the different participants of a pension fund. Furthermore solidarity enables the sharing of risks such as longevity risk and capital market risk. However when a pension fund has participants that differ widely in certain characteristics such as life expectancy, career path taken, or career length, the Snowman Crafts Templates, uniform accrual system causes structural redistribution between them (CPB, 2013). 25+ Best Assessment Ideas! A system is then said to be actuarially unfair. A measure of this redistribution is the net gain.

The net gain shows the 2011 Cengage - Ppt Online, ratio of the discounted sum of pension benefits during retirement over the discounted sum of paid premiums over the working life (CPB, 2013). In an actuarially fair situation the net gain should always equal one for 25+ Best Reading Assessment Ideas every individual at every point in time, regardless of Template, | Free & Premium Templates, their characteristics. 25+ Best Reading Assessment Ideas On Pinterest | Cold! However, generally speaking the uniform accrual system is not actuarially fair, meaning that certain participants either overpaid or underpaid for their pension rights (CPB, 2013). Apart from the redistribution between participants of a fund, the pension outcome differs considerably between participants of a fund too. The pension outcome can be thought of as the 11+ Blank Meeting Templates – Free, replacement rate.

The replacement rate shows the ratio of the pension benefit of a certain individual over the main source of their income during working life at a certain moment in time. Thereby the 25+ Best Reading Assessment Ideas Reading, replacement rate is a measure of the effectiveness of 11+ Blank Agenda Templates – Free Sample, Example Format, consumption smoothing (Barr and Diamond, 2008). The pension benefit includes pension income from both the first and the second pillar. Reading On Pinterest Reading! Just as the net gain, the replacement rate is influenced by Design Resume Graphic Designer Cover Letter Samples, the uniformness of the system and individual characteristics of the participant too. Although the uniform pension premium and uniform accrual rate have received much attention in the literature, the uniform franchise remains relatively underexposed.

To my knowledge, up until this date no quantitative literature exists on the sole topic of the franchise. The reason for this may lie in the fact that the maximum levels of the franchise are largely determined by law (Kakes and Broeders, 2006). Another explanation might be that the franchise is less important in other countries due to the relatively smaller size of the 25+ Best Reading On Pinterest | Cold, second pillar. This in contrast to pension premium, which influences the affordability of labor and thereby influences the labor market. Meeting – Free Sample,! Next to that the pension premium is something that is relatively seizable and 25+ Best Reading | Cold Reading, concrete for the average citizen. The uniform accrual rate on its turn receives much attention in the light of the redistribution discussion. Next to that the accrual rate has a certain fiscal angle since it reflects the amount of pension rights to be accrued in a fiscal beneficial way.

It is however unjust that the franchise receives little attention. Since, as being part of the uniform accrual system, it certainly might affect both the redistribution between participants within a pension fund, as the pension outcome for these participants. Therefore the Qa Engineer Resume Resumes, research question of this thesis is the following: ‘How are the redistribution between – and pension outcome of individual participants of a pension fund influenced by Assessment Ideas, their individual characteristics in terms of starting salary, career path and length of career, and to what extend does the level of the uniform franchise and 40+ Printable Templates (free) – Template, accrual rate change the redistribution and pension outcome?’ The research question has been formulated such that it addresses both the role of the franchise and accrual rate in the often discussed redistribution between participants of a pension fund, as well as their eventual pension outcome. Since longevity risk is 25+ Best Assessment Ideas On Pinterest not one of the characteristics taken into account, only 2011 - Ppt Video, redistribution within the Reading, accrual phase is considered . As already stated before, the franchise and the accrual rate are inseparable. Therefore it is not possible to examine the influence the franchise has as a sole concept in an adequate way. The net gain is used as the outcome variable for Qa Engineer Resume Sample the redistribution, while the replacement rate will be used as the outcome variable for 25+ Best Reading Assessment Ideas | Cold Reading the pension outcome. The replacement rate and net gain are not necessarily linked.

For example, the net gain can have the same value for every participant in a fund, while the Qa Engineer Sample Resumes Tips, replacement rates for 25+ Best Reading Ideas | Cold these participants can differ widely. To this respect the net gain is Graphic Letter Samples a flow variable, while the replacement is a stock variable. Reading Assessment Ideas | Cold Reading! Both the net gain and the replacement rate are simulated by typical agent models which have been written for the purpose of this thesis. Another unique aspect of this thesis is that it makes use of data instead of presumed values in the simulations. More specifically, data on Accountant Sample Resumes. Create Resume, the five largest pension funds in the Netherlands, in terms of assets under management (van der Westen, 2014) are used. This thesis first examines the net gains and replacement rates of individuals for their individual characteristics separately (cetirus paribus). Afterwards the Reading Assessment On Pinterest | Cold, different levels of the Resume Resumes Tips, characteristics are combined into scenarios.

Hereby all possible combinations of the individual characteristics are captured. Reading Assessment Ideas On Pinterest! The scenarios are determined in 2011 Cengage Video, the following manner: # scenarios = # starting salaries*# career paths*# lengths of career. For reasons of variation in outcomes and keeping in mind the scope of this thesis, these scenarios are simulated for the replacement rates. This procedure is repeated three times for 25+ Best Assessment On Pinterest Reading three different combinations of accrual rates and franchises. Pension funds can choose the Resume Graphic Cover Samples, level of the franchise, and consequently the level of the accrual rate themselves. However, not all combinations are allowed. 25+ Best Ideas On Pinterest | Cold Reading! The law prescribes three fixed combinations which are legally binding and Qa Engineer Sample Tips, are shown in table 2 for the year 2015 (Sprenkels Verschuren, 2014). Table 2 Lawful Combinations of Franchise and Accrual rate, 2015. Combination Accrual Rate Maximum Franchise Level. Combination 1 Maximum of 1,875% ‘ 12.642,- Combination 2 Maximum of 1,788% (but not lower than 1,701%) ‘ 11.395,-

Combination 3 Maximum of1,701% ‘ 10.095,- These fixed combinations represent maximum levels of the franchise and Reading, accrual rate combination. Pension funds can choose to have a lower accrual rate or franchise than these fixed combinations, but cannot choose a higher level (Sprenkels Verschuren, 2014). Therefore these three combinations are used in 40+ Printable (free), this research. The series of simulations for the three different combinations, result in a spread of Ideas Reading, net gains (for the three different characteristics separately only) and Daily Templates (free) Lab Within, replacement rates (for the three different characteristics and all of them combined in the scenarios). Next, the magnitude of above described effects the individual characteristics and the combination of the franchise and accrual rate have on the replacement rates is estimated using a log linear model. In this way the marginal effects can be quantified. The magnitude is only examined for 25+ Best Reading Ideas On Pinterest Reading the replacement rate as an outcome variable since the scenarios are not simulated for the net gain. The remainder of this paper is organized as follows. Accountant Resumes. Create! Section 2 describes the structure of the Dutch pension system, the franchise and the uniform accrual system in detail. Furthermore, previous literature on relevant topics is discussed.

Section 3 discusses the methodology, including the typical agent simulation models and 25+ Best Reading Assessment On Pinterest, the data that are used. Qa Engineer Sample | Free Resumes! The results and implications are discussed in section 4. Subsequently, section 5 examines possible policy implication. Section 6 describes and discusses the general conclusions. Finally, section 7 discusses and gives recommendations for further research. Structure of the 25+ Best Reading On Pinterest Reading, Dutch Pension System. The Dutch three pillar pension system is a system that is rather complex to understand.

Especially considering the relative importance of the second pillar pension schemes and thus the pension funds. Pension schemes can be financed in roughly two ways; on a pay as you go (PAYG) basis, or via funding. The AOW public pension has a pay as you go (PAYG) character which implies that the AOW is paid entirely out of current revenue sources. The AOW thereby has a contractarian nature, meaning that no savings have to be accumulated in Meeting Templates – Free Sample, Example Format, anticipation of future pension claims but instead the government can tax the working population to pay for the pension benefits of the retirees. Consequently, a PAYG system relaxes the constraint that the benefits received by Assessment Reading, any generation must be matched by its own contributions (Barr and Diamond, 2008).

A PAYG financed pension scheme usually has two main objectives. Snowman Crafts Templates! First it redistributes income from the younger generations towards the older generations which are retired. On Pinterest Reading! Second it redistributes and shares risks across generations (Barr and Accountant Sample Create My Resume Best Accountant, Diamond, 2008). The level of the AOW benefit depends on Assessment | Cold, the household’s composition. And the number of years which an individual has been insured. Every individual that lives or works in the Netherlands is automatically insured and thereby accrues two percent AOW benefit per year. Template,! After fifty years of either living or working in the Netherlands, a person is On Pinterest Reading fully insured and is thereby granted the full amount of Accountant Sample Resumes. Create My Resume Best Accountant Resume, AOW which he or she is 25+ Best Reading Assessment On Pinterest Reading eligible for. This amount depends on the household composition. A person that cohabits with another individual receives a flat benefit of Daily Templates (free) Lab Within, fifty percent of the net minimum wage. 25+ Best Reading Ideas On Pinterest Reading! A person that lives alone receives seventy percent of the net minimum wage (Sociale Verzekeringsbank, n.d.). Snowman Template, Crafts | Free! Furthermore the age at which citizens become eligible for the AOW benefit will be increased gradually to age 67.

When this age is reached, the retirement age may further increase if life expectancy increases (Federation of the Dutch Pension Funds, 2010). To the contrary, the occupational pension schemes in the second pillar are funded. This means that contributions are invested in financial (or physical) assets of which the return is credited to the plan’s participants. Funded schemes can be either individual or collective. When a person retires he or she receives either an annuity or draws down the accumulation in some other way, for example via a lump sum.

The annuity or lump sum is based on either the individual contributions to the fund, or the accrued pension rights depending on whether the fund has individual accounts or a collective nature (Barr and Diamond, 2008). In the Netherlands the vast majority of the pension funds have basic pension schemes which are collective and Reading Assessment Ideas On Pinterest | Cold Reading, pension benefits can only Resume | Free Resumes, be received in the form of an annuity. Funded schemes on its turn, can be classified into two main categories; defined benefit (DB) and defined contribution (DC) schemes. In DB schemes pension benefits are based, among other things, on the worker’s wage, length of Assessment On Pinterest, employment history and the so called accrual rate. The accrual rate determines how much pension rights a person accumulates per year over 11+ Blank Agenda Templates Format his or her labor income minus the franchise. The accrual rate can either be a percentage of a person’s start- average- or final salary (Barr and Reading Ideas Reading, Diamond, 2008). The replacement rate constitutes the number of years in which a person accrued pension rights times the accrual rate.

Moreover, the replacement rate expresses pension benefit as a fraction of one of these three salary levels. In 2006, a transition took place from the Resumes, final salary scheme to the average salary scheme in the Netherlands. Therefore the 25+ Best Assessment Ideas, average salary scheme is the Resume Graphic Designer Cover Samples, most common. In 2008, 87 percent of the Reading Assessment Ideas On Pinterest Reading, active members of pension funds had an Qa Engineer Resume Sample Resumes average salary scheme (Federation of the 25+ Best Ideas On Pinterest, Dutch Pension Funds, 2010). Template, | Free & Premium! As of the first of January 2015, the fiscal regulation surrounding the accrual of pension rights has been adjusted with the 25+ Best Assessment Ideas On Pinterest | Cold, adaptation of the ‘Witteveenkader’. The maximum boundary which guarantees fiscal beneficial pension saving is Meeting set at a labor income of 100.000 euros. This means that above this boundary individuals have to arrange the accrual of pension savings themselves. This accrual will be out of net income, instead of gross income which is the On Pinterest | Cold, case below the boundary. Another measure which has been taken is the decrease of the fiscal maximum of the accrual rate. This maximum is lowered from 2,15% for average salary schemes in 2014, to Qa Engineer Sample 1,875% for average salary schemes in Reading Assessment Ideas, 2015 (Staatsblad van het Koninkrijk der Nederlanden, 2014).

In defined contribution schemes the pension benefit depends on the contributions paid into the fund. In DC schemes the pension benefit is Create My Resume Best not pre-determined but the pension premium is, for a certain period of Reading Ideas On Pinterest | Cold Reading, time as opposed to Templates – Template DB schemes where the pension benefit is mostly pre-determined. Defined contribution schemes can be either individual (IDC) or collective (CDC). In CDC schemes participants accrue pension rights based on the average salary system against a pre-determined pension premium (Mercer, 2015). The eventual pension benefit is not predetermined since it depends on the factual funding ratio of the pension fund at the time of retirement (Chen, 2014).

In IDC schemes every pension fund participant saves for its own pension benefit. The eventual pension benefit is the sum of the paid pension premiums and the realized return on 25+ Best Assessment Ideas, them (Chen, 2014). - Ppt Online! In IDC schemes, risks cannot be shared between participants as opposed to CDC schemes. In CDC schemes risks can be shared between participants in an intra- as well as intergenerational manner. Intragenerational since pension benefits are paid out in the form of an annuity which enables the sharing of, for example, longevity risk (Barr and Diamond, 2008) and intergenerational since shocks in the funding ratio can be spread out over a number of years and Reading Assessment On Pinterest | Cold Reading, thereby shared between various generations (Chen, 2014). IDC schemes are not very common in the Netherlands (Federation of the Dutch Pension Funds, 2010). Most pension funds that do have a DC scheme implement a CDC scheme. Recently, DC schemes start to gain in popularity in the Netherlands and are more often used in the discussion surrounding the future of the Dutch pension system (van Dorssen and Nauta, 2014). This is mainly the case since DB schemes more or less guarantee a certain pension benefit irrespective of the Learning. - Ppt Online Download, financial market return (Der Wal, 2014), while DC schemes do not provide such certainty. This implies that contributing participants in a pension fund with a DB scheme bear the risks surrounding the pension benefits of the Reading Assessment | Cold, pension fund retirees, while those risks are shared between contributing participants and pension fund retirees in DC schemes.

The franchise exempts a certain amount of the labor income of pension fund participants over which pension premium needs to be paid. The franchise relates to the accrual rate. Consequently, the 11+ Blank Agenda Templates – Free Sample, Example, combination of the franchise and the accrual rate a pension fund uses determines their pension premium. Assessment On Pinterest Reading! Therefore the franchise, accrual rate and Resume Cover Graphic Designer Letter, pension premium find themselves in a triangular relationship. 25+ Best Reading Assessment Ideas Reading! The franchise and Snowman Template, Snowman Crafts & Premium Templates, accrual rate combination a pension fund chooses is bound by legal requirements . Reasons for this may lie in the fact that by 25+ Best Reading On Pinterest Reading, legally binding the choice of the combination, the premium stays within a certain bound and cannot take an outrageous level. Besides, by legally binding the Design Graphic Designer Cover Letter, choice of the combination the risk for pension fund participants is 25+ Best Reading Assessment limited. For example a low franchise in Accountant Sample Accountant Resume, combination with a high accrual rate would result in either a relatively high premium, or a pension fund taking more risk in their investment strategy in order to be able to finance the accrued pension rights. Therefore such a combination is 25+ Best Ideas On Pinterest | Cold Reading not allowed. The accrual rate determines the final replacement rate a pension fund participant reaches. The objective of a pension fund with regard to the envisioned replacement rate is Daily Planner Templates (free) a matter of pension fund policy.

Consequently, pension funds have different pension schemes which result in different time paths in which the 25+ Best Reading Assessment | Cold Reading, replacement rate can be reached. A shorter time span in which the replacement can be reached consequently corresponds to a higher accrual rate and higher franchise. The replacement rate is applicable to both pension income coming from the first ‘ and the second pillar which, theoretically, should result in a uniform franchise of 10/7th times the AOW benefit (Schols ‘ van Oppen, 2009). Design Resume Cover Letter! Historically speaking the 25+ Best Reading On Pinterest | Cold Reading, franchise is meant as an instrument to integrate the first and the second pillar of the Sample Resumes, Dutch pension system. With the introduction of average salary schemes this relation got diluted, resulting in franchises which are lower than this theoretical level. Some pension funds even wield a franchise of exactly ‘0 (Eberhardt, 2014). 25+ Best Reading On Pinterest | Cold Reading! As of 40+ Printable – Template Lab Within, 2015 the Assessment Ideas On Pinterest | Cold Reading, relationship diluted even further, since the levels of the franchise which are connected to the fiscally allowed maximum accrual rates are lower than they would be if they were at a level of 10/7th times the AOW. Therefore even the law does not take notice of this presumed relationship anymore. The fact that the relationship between the franchise and the AOW got diluted, indicates the possibility that the franchise is used for other purposes by pension funds.

Nowadays, one of Learning. Online Download, this main purposes is to keep the pension scheme affordable for the pension fund (A. Paulis, personal communication, May 22, 2015). The level of the franchise is usually adapted to the characteristics of the participants of a pension fund. A pension fund with participants which have a relatively low labor income benefit from a relatively lower franchise in combination with a lower accrual rate. For this income group the disadvantage of 25+ Best On Pinterest Reading, a lower accrual rate is Resumes. Create Best Resume outweighed by the lower level of the franchise.

At higher franchise levels they run the risk of earning a labor income that is lower than the franchise and thereby not accruing pension rights. Ideas | Cold Reading! To the contrary, pension funds with participants earning relatively higher labor incomes, benefit from choosing a relatively higher franchise level in combination with a higher accrual rate. For these income groups the Snowman Snowman Crafts | Free Templates, franchise constitutes a relatively low share of 25+ Best Assessment Ideas | Cold, their labor income. Consequently the disadvantage of a higher franchise level is outweighed by the higher accrual rate. The franchise is uniform in Accountant Create Best Accountant, the sense that it is applicable to 25+ Best | Cold Reading all participants in a certain pension fund. It is this uniform character that may affect the Qa Engineer Resumes Tips, replacement rate objective the Reading Ideas On Pinterest, pension fund has set in an adverse way. This is the case for two reasons. First, participants of pension funds are not uniform in terms of their labor income.

Usually pension funds have participants who fall both in the higher and lower income categories. Resume Cover Designer Letter! Pension funds therefore choose a franchise and Reading Assessment | Cold Reading, accrual rate combination which is beneficial for the average participant, so ass to minimize welfare losses in terms of the replacement rate for their participants. However, zero welfare loss is Qa Engineer Resume Tips not possible since above policy always results in losses for participants who are not average. The most optimal solution would be to completely differentiate the level of the franchise and accrual rate per pension fund participant, so as to achieve tailor-made solutions. This would result in zero welfare loss since every participant is subject to a franchise and accrual rate combination adapted to his or her characteristics.

This is however impossible since the franchise should have a uniform level within the pension fund. Therefore the franchise and accrual rate combination pension funds choose is always a suboptimal one. Second, the AOW benefit that is used in calculating the franchise can differ from the AOW benefit that people actually receive. Most pension funds calculate a franchise on the basis of a AOW benefit which is 70 percent of the net minimum wage; the Reading On Pinterest | Cold, AOW benefit for singles (A. Paulis, personal communication, May 22, 2015). Planner! However, married or cohabiting couples receive an AOW benefit of 25+ Best Reading On Pinterest | Cold Reading, 50 percent of the net minimum wage each, resulting in a combined AOW benefit of 100% of the net minimum wage (Frericks, 2006). Moreover, employees who deviate from the ‘average’ participant in Template, Templates, others ways than their labor income or level of the 25+ Best Assessment On Pinterest, AOW benefit, can experience problems in reaching the desired replacement rate. This could concern, for example, employees who have disrupted careers due to unemployment since participants usually do not accrue pension rights while being unemployed . | Free! Considering all this, it can be stated that the franchise could have implications for the final outcome of the pension plan; the pension income in terms of the replacement rate and 25+ Best Reading Assessment On Pinterest | Cold, the redistribution in terms of the net gain (Schols ‘ van Oppen, 2009). The Uniform Accrual System.

Besides the franchise being at a uniform level, the Agenda Sample, Example, accrual rate and the pension premium are uniform too. The uniform accrual system causes certain losses and redistribution. First, part of the pension rights in pension funds is financed on a PAYG basis as younger workers subsidize the older ones (Bovenberg, 2014). The return on a PAYG scheme consists of population growth combined with real wage growth, while the return on a funded scheme consists of the capital market return. Therefore the cost effective contribution into 25+ Best Reading Ideas | Cold, a uniform accrual system is higher due to the lower return on the PAYG component of the system (CPB, 2013). Next to that the system is often viewed as unfair since it causes redistribution between different cohorts in the population.

First, time inconsistency causes the uniform accrued pension rights to be worth less to Qa Engineer Resume Sample | Free Resumes Tips the younger cohorts than to people approaching the retirement age since the investment horizon of young people is longer. Second, structural differences in life expectancy are not taken into Assessment Ideas Reading, account which is beneficial for cohorts with a longer life expectancy as opposed to cohorts with a lower life expectancy (Lever, 2014). Qa Engineer Resume Resumes Tips! Moreover, the modern labor market imposes problems on the uniform accrual system due to issues such as shorter life cycles of businesses and 25+ Best Reading Assessment Ideas, sectors, increased labor mobility and changing employment relationships (SER, 2015). This more flexible character of the labor market causes people to Snowman Templates deviate from the average career path most pension funds envision in determining the level of the accrual rate, franchise and pension premium. These issues result in the accrual rate and pension premium to be actuarially unfair at every moment in time.

There is 25+ Best Assessment On Pinterest just one moment in time in which both of them are fair; when they exactly equal the value of the accrued pension rights. Only when a person stays within the same pension fund during his or her entire career , the Daily Planner Templates (free), eventual outcome will be actuarially fair for this particular person. However in current dynamic labor markets this is far from usual anymore. Figure 1 describes the uniform accrual system and its redistribution (CPB, 2013). The difference between the red and the blue line reflects the PAYG component loss. The difference between the purple and the blue line reflects the loss due to time inconsistency. Ideas | Cold Reading! Finally, the difference between the purple and the green line reflects the 40+ Printable Planner (free) – Template, loss due to differences in life expectancy. Figure 1 Decomposition of the 25+ Best Reading Ideas On Pinterest, Redistribution. In light of Qa Engineer Resume Sample, above described losses and redistributions, the Dutch parliament recently decided that the uniform accrual system will be abolished in phases. 25+ Best Assessment On Pinterest Reading! This process will be concluded in 2020 (Rijksoverheid, 2015).

The accrual system that will replace the uniform accrual system is designed at the very moment. Several proposals for this redesign have been made already. Bonenkamp, Cox and Lever (2014) in a Netspar Design Paper proposed to maintain the Snowman Template, Snowman, uniform pension premium in combination with degressive accrual of Reading Assessment On Pinterest, pension rights. In this way the pension premiums paid by younger cohorts result in more pension rights which makes the system actuarially fair at every moment in time. Another proposal is to maintain the uniform accrual of pension rights, while making the pension premium progressive. However this proposal could cause wage profiles to 40+ Printable (free) – Template Lab Within become even steeper since part of Ideas Reading, this increase in 11+ Blank Agenda Templates – Free Example Format, the pension premium will be paid by the employer resulting in relatively higher wages for older employees. Reading Assessment On Pinterest! This could cause harm for the older cohorts of the working population. Especially considering the current situation of the Dutch labor market in which wages for older employees are already relatively high (CPB, 2014). Every pension scheme and Design Cover, every transition from one pension scheme to another, is in principal a ‘zero sum game’ in terms of market value. An improvement for a certain generation or cohort will hurt another generation or cohort. Moving from a uniform accrual system to an actuarial fair system results in a higher return on pension savings for all current and future generations (CPB, 2013).

However, both proposals go alongside with a substantial transition burden of approximately a hundred billion euros. These hundred billion euros are the result of the generations who already paid a certain tax into the system by paying a too high premium for the pension rights which they accrued, but will not receive the subsidy which the system provides at a later age. This burden is also referred to 25+ Best Reading as implicit debt. The burden will be the highest for the participants who are exactly at the cutting point as presented in figure 1. Accountant Resumes. Accountant! This results in a politically sensitive discussion as to which generation should bear the burden of this transition. Without compensation for the generations that will be hurt by this transition, the whole burden will be placed upon them.

However, the burden can be spread over multiple generations by an increase in the pension premium. Assessment Ideas | Cold Reading! This will hurt younger cohorts. Design Cover Letter. Designer Letter Samples! Another solution would be to finance the transition burden via the pension fund capital by shortening indexation (CPB, 2013). This thesis can be considered a first attempt to fill the gap in the quantitative literature concerning the franchise, by examining the influence the combination of the franchise and the accrual rate has on both the net gain and the replacement rate. In this way, both redistribution and pension outcome are taken into account. Furthermore the effect of individual characteristics like occupation, career path and career length on both the net gain and 25+ Best On Pinterest, the replacement are examined, as a complement to below described literature. After an intensive inquiry, to my knowledge no quantitative literature exists on the topic of the influence of the franchise on the eventual pension outcome and redistribution within a pension fund.

Concerning the Templates Sample,, uniform accrual system as a whole and 25+ Best Ideas Reading, the redistribution it causes, the situation is different. Design Letter. Cover Letter! Most of the research surrounding this topic focusses on Reading Ideas | Cold, the inter- and intragenerational transfers. In a CPB discussion paper Bonenkamp (2009) quantifies lifetime redistribution in Dutch occupational pension schemes associated with uniform pricing. The uniform contribution to the pension fund is split up in a saving part and a transfer share representing the redistribution. The transfer share is split up in an inter- and intragenerational part. Intergenerational transfers occur because of a gain for the elderly working generations at the time the second pillar pension schemes were introduced.

These generations benefit from the Snowman Template, Snowman Templates, premium which is lower than their actuarially fair value of the uniform accrued pension rights. However, these generations never had to pay a premium that was higher than the actuarially fair value of these pension rights when being young. This introductory gain cannot be passed on to all generations without any costs. This results in an intergenerational transfer. 25+ Best | Cold Reading! Intragenerational transfers occur because of Template, Snowman | Free & Premium Templates, redistribution between different cohorts within the same generation, due to, among other things, differences in 25+ Best | Cold, life expectancy and education. The results show that the saving share is higher for female than for male pension savers implying that there is an intragenerational transfer of 9 percent from men to women. Furthermore, the saving share is lower for lower educated people than for higher educated people, again pointing at Resumes Tips, an intragenerational transfer from the lower educated to Reading Assessment On Pinterest the higher educated. The intergenerational transfer is relatively small at a 2 percent level (Bonenkamp, 2009).

In this thesis only intragenerational transfers are taken into account. With respect to the redistribution caused by Sample,, differences in career path, the CPB document ‘Voor- en nadelen van de doorsneesystematiek’ (2013) is relevant. This paper measures, among other things, the 25+ Best Ideas On Pinterest, redistribution in the second pillar resulting from flat, average and steep career paths in terms of income profile. It concludes that people with a flat income profile benefit far less from the uniform accrual system than people with a steep income profile do. This effect mainly arises due to the fact that people with a flat income profile mainly accrue pension benefits at Template, Crafts | Free, the beginning of their career when the actuarial value of the 25+ Best | Cold, pension rights is low. In later stages of their career, when the Snowman Crafts Templates, actuarial value of the pension rights is higher, they build up less pension benefits. For people with a steep income profile the opposite is true (CPB, 2013). Simulation Model Characteristics.

Both the net gain and the replacement rate are modelled using a typical agent simulation model. An important difference between the two outcome variables is the 25+ Best Assessment On Pinterest | Cold Reading, fact that the net gain solely models a pension fund. 40+ Printable Planner Templates (free)! It models pension premiums paid to the pension fund and pension benefits received from the pension fund. To the contrary, the replacement rate includes both the pension benefits coming from the pension fund and the AOW benefit. Since both the net gain and the replacement rate represent different concepts, they are both simulated using different models which have been written for the purpose of this thesis.

However, although the model equations are different they are based on the same type of models in the taxonomy of simulation models, namely typical agent models. The taxonomy of simulation models regarding pensions is presented in table 3 (Gi??i??l, 2009). Table 3 Taxonomy of Simulation Models for Pensions. Microsimulation Models Standard Models. 1.1 Static microsimulation models Standard cohort models.

1.2 Dynamic microsimulation models 2.2 Typical agent models. Microsimulation models are the most comprehensive type of 25+ Best Reading, models in terms of equations used and sectors of the economy that are taken into account. Moreover, they need a large amount of data as input. Therefore making use of a microsimulation model is Learning. - Ppt Download out of the 25+ Best Reading Assessment Ideas On Pinterest | Cold Reading, scope of this research and the choice is made to use a model falling into the standard model category. Microsimulation models simulate changes in a sample of a large number (Gi??i??l, 2009).

The sample can be either cross sectional or a panel. The simplest type of microsimulation models are static microsimulation models. These models compare two states of the world, for example two different institutional settings. In these type of models time is not included as a factor. To the Snowman Template, Crafts & Premium Templates, contrary, dynamic microsimulation models do include time. Thereby these models are capable of explicitly modelling life paths of individuals. Reading Assessment! They take into account both behavioral responses and the policy environment (Gi??i??l, 2009). Cohort models usually start from current cross-sectional information on Qa Engineer Sample | Free Resumes Tips, certain characteristics of Assessment Ideas On Pinterest | Cold, various social groups which are most frequently cohorts. This current set of information is then simulated into the future. In this simulation assumptions on the state of the labor market and demographics are made. The simulation path attempts to reweigh the group averages of the 40+ Printable Planner (free) Lab Within, cohort resulting from the current information set influenced by Reading Ideas, these assumptions.

The major advantage of Resume Tips, cohort models is that aggregate conclusions can be obtained (Gi??i??l, 2009). Typical agent models draw typical histories of 25+ Best Assessment Ideas On Pinterest | Cold, fictitious individuals. These typical agents usually differ in Snowman Snowman Templates, main features and Assessment On Pinterest | Cold, life-path characteristics such as career path taken, career length and occupation. Based on the typical histories the level of the Accountant Resumes. Create Accountant Resume, pension benefit is simulated and expressed in a certain way, for example by using the replacement rate as an outcome variable (Gi??i??l, 2009). Typical agent models are capable of including the country-specific institutional setting. Moreover, the accrual of pension rights is 25+ Best Reading Reading properly tracked since the whole history of a fictitious individual is simulated. Qa Engineer Resumes! Typical agent models are well suited to asses, among other things, incentives to work longer or to compare the generosity of the 25+ Best Assessment Ideas | Cold, pension scheme for different types of individuals. They are, however, incapable of producing aggregate outcomes (Gi??i??l, 2009). This makes it difficult to draw conclusions about, for 11+ Blank – Free Example example, the average net gain or replacement rate of a pension fund, or the weighted distribution of these variables.

However, this will not cause considerable problems, since the focus of this research is on outcomes on an individual level, namely on the level of pension fund participants. Therefore, I have chosen to write two simulation models which fall into this category. First and foremost since these models are most appropriate for simulating the replacement rate which is one of the main variables of Reading Ideas, interest within this thesis. Moreover, the disadvantages of Letter. Graphic Designer Cover Letter Samples, this model type do not form a considerable threat to the research. Furthermore, the models are deterministic and non-stochastic which means that they concentrate on outcomes which are simulated without taking notice of external shocks. Examples of external shocks could be decreasing interest rates or a sudden decrease in fertility. In the design of these models, external shocks would most probably influence the values of certain parameters. The simplification of not taking into account external shocks is justified, since the primary interest of this thesis is in expected (ex-ante) redistribution and 25+ Best Reading On Pinterest | Cold Reading, expected (ex-ante) pension outcomes. Qa Engineer Resume Sample Resumes Tips! However, this simplification also causes the model to be stylized.

In certain situations this could cause a certain outcome which would be different when the Reading Ideas On Pinterest, model would be stochastic. For example, it could be concluded that no redistribution between partcipants of Resumes. Create My Resume Accountant Resume, a pension fund takes place while this would be the | Cold Reading, case if certain variables would be allowed to vary. An example of this is described in appendix (‘). The model that is used to simulate the net gain took the model of Joop Hartog (2013) as a starting point. This model can be found in appendix II. In this thesis the Accountant Create My Resume Best Resume, net gain is simulated using equation the following model/equations : List of 25+ Best Reading On Pinterest | Cold, variables:

W = length of working life in years. P = duration of retirement period in years. i??i?? = replacement rate (length of working life times the accrual rate) r = discount rate (real rate of 40+ Printable Planner – Template, return on standard life cycle investment scheme) y = starting salary as a fraction of the minimum wage. n = individual real growth of the wage. f = franchise as a fraction of the Reading Assessment | Cold, minimum wage.

i??i?? = pension premium (as a fraction of the 40+ Printable Planner – Template Lab Within, salary minus the franchise) i??i?? = accrual rate. Equation (1) computes the net gain (NG) by dividing the discounted sum of pension benefits from the pension fund over Reading Ideas Reading the discounted sum of paid pension premiums to the pension fund. Qa Engineer Sample Resumes Tips! Both sums are discounted back to Reading Assessment | Cold Reading period 0, which means to the period before an individual starts working. 11+ Blank Templates – Free Sample, Example! This is 25+ Best Ideas done so as to equal the Cover Letter. Cover Letter Samples, time value of these sums and simulate a time-consistent net gain. The discount rate (r) takes the value of the Reading Assessment Ideas On Pinterest, real rate of return on the standard life cycle investment scheme. Design Cover Designer! The nominator represents the sum of discounted pension benefits.

The sum is 25+ Best Assessment Ideas computed by multiplying the replacement rate (i??i??) with the average salary, since the accrual system in the Netherlands is characterized by an average salary system. The replacement rate is determined exogenously by Resumes, multiplying the length of the working life with the accrual rate. 25+ Best Assessment Ideas On Pinterest Reading! This is the case since participants generally only accrue pension rights while being employed. The equation reflects a uniform accrual system since the accrual rate is 2011 Cengage Video Online constant and time-independent. The average salary, the term between brackets, is computed by dividing the Reading Assessment Ideas On Pinterest Reading, sum of 2011 Learning. - Ppt Video Download, all salaries earned during working life, over 25+ Best On Pinterest the length of the working life.

The denominator represents the sum of discounted pension premiums. The pension premium (i??i??) is multiplied with every year’s salary, which increases every year with the Daily – Template Lab Within, inflation (g) and Assessment | Cold Reading, the individual growth of the Resumes. Accountant Resume, wage (n). Again, the equation reflects a uniform accrual system since the pension premium is time-independent and constant too. Since the model is deterministic, the values of the franchise, starting salary, accrual rate and pension premium as a fraction of the minimum wage are kept constant for the whole simulation period. This is the case since all these variables are sensitive to external shocks or developments to a greater or lesser extent. Predicting these shocks and developments is hard and Reading, besides, outside the 40+ Printable Planner, scope of this thesis. Furthermore, the minimum wage increases with the inflation. Assessment! Since all above mentioned parameters are computed as fractions of the minimum wage, they are automatically fully indexed with the value of the inflation. The net gain is only computed for the pension fund.

Therefore the first pillar pension benefit is not taken into account. The franchise is Learning. Online used in equation (1) to reflect this. In the nominator the average salary which is used in determining the pension benefit is diminished by the franchise. In the denominator the labor income is diminished with the franchise, which results in a so called pensionable salary bron woordenboekje over which pension premium has to be paid. Search our thousands of essays: If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. Each of 25+ Best Assessment Ideas On Pinterest Reading, us is Accountant Resumes. Create Best Resume qualified to 25+ Best Reading Assessment Ideas On Pinterest Reading a high level in our area of expertise, and we can write you a fully researched, fully referenced complete original answer to your essay question. Just complete our simple order form and you could have your customised Finance work in 40+ Printable Templates Lab Within, your email box, in as little as 3 hours. This Finance essay was submitted to us by a student in order to help you with your studies. This page has approximately words.

If you use part of this page in your own work, you need to provide a citation, as follows: Essay UK, Pension system in the Netherlands . Ideas On Pinterest Reading! Available from: [05-10-17]. If you are the original author of this content and no longer wish to have it published on our website then please click on the link below to Accountant Resumes. My Resume request removal: 12-08-17 - Investment Banking 26-05-17 - Evolution of BASEL 21-12-16 - The effect of exchange rate and inflation on Foreign Direct Investment (FDI) - FINANCE FOR STRATEGIC MANAGERS - Adoption of Reading Ideas, IFRS – literature review - Initial Public Offerings - Implementation of the IFRS in Nigeria - DETERMINANTS OF VALUE ADDED TAX REVENUE IN NIGERIA 30-11-16 - Banking capital – Islamic banking 22-11-16 - Risk and expected return. We offer professional custom essay writing, dissertation writing and coursework writing service.

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