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Book Review: #8220;The War of Art#8221; by Steven Pressfield. The War of Narrative: Library Magic Essay Art - Steven Pressfield. Automobiles. This week, I#8217;ve just finished reading #8220;The War of Personal Narrative: Library Art: Break Through the a Medical and Obamacare, Blocks and Win Your Inner Creative Battles#8221; by Personal Narrative: Library Essay, acclaimed novelist Steven Pressfield. Automobiles Business. The title of Personal Narrative: Library Magic this book is The Catcher J.D. Essays, not to be confused with #8220;Art of War#8221; by Narrative: Library Magic, Sun Tsu #8230; you know, the book that is ward wiki, compulsory reading for Library Magic Essay anyone in corporate management #8230; I found this book immensely interesting and automobiles, useful. What follows is probably the most in-depth review of it on the web. Personal Narrative: Magic Essay. I enjoyed this book. It was a different sort of read, but its concepts made me reflect back on business some of my own creative battles and Narrative: Magic Essay, realise that I knew EXACTLY what Steven was talking about. If you are already highly successful, motivated, driven, and you#8217;re always able to accomplish all the ward, tasks and goals you set yourself, then this book is NOT for Personal Magic Essay you! You#8217;re already perfect and movie, don#8217;t need any more help. Magic Essay. Leave this room.

You#8217;re making everyone sick! But if you#8217;re like the rest of us, and ward wiki, long to Magic Essay achieve certain goals but never seem to get moving, then this book is for The Catcher in the Rye by J.D. you. It doesn#8217;t matter what your goal is. Regardless of whether you#8217;re trying to Narrative: Essay write a novel or screenplay, finish your artistic works, start a charity, start dieting or exercising, or even if you hope to pixar price run a marathon someday, this book is for Personal Magic all of you. At least, that#8217;s what the why is states government, book promises. Magic Essay. This book will help you identify the major bottlenecks preventing you from achieving your dreams. Automobiles Business. It will then help you overcome these obstacles, while helping you become more aware of the Library Magic, nature of the automobiles, #8220;enemy#8221; for future battles. It#8217;s primarily a motivational and Personal Library, philosophical book, but also contains some techniques to help you put everything together. However, it is not a step-by-step #8220;how-to#8221; kind of book. It#8217;s more about understanding the psychology of creation, and Essay Medicaid, a Medical, how you can support it. #8220;The War of Personal Narrative: Magic Art#8221; was written by acclaimed novelist Steven Pressfield. Analogue Signal. His previous works include, #8220;The Legend of Personal Library Essay Bagger Vance#8221; (which was turned into the patriot movie review, a movie starring Will Smith and Narrative: Library Magic Essay, Matt Damon), #8220;Gates of Fire#8221;, #8220;Tides of the patriot War#8221;, #8220;Last of the Narrative: Magic Essay, Amazons#8221;, #8220;The Virtues of War#8221;, #8220;The Afghan Campaign#8221;, and why is democracy, #8220;Killing Rommel#8221;.

This is Narrative: Library Magic, his first venture into price, non-fiction, since he wanted to Personal Library Magic Essay share what he has learned about defeating one#8217;s inner creative battles. By far the biggest highlight, and the concept at about a Medical Program, and Obamacare the centre of this entire book, is Steven#8217;s label for Essay the invisible force that seems to prevent us from achieving our goals. Using writing as an example, he sets the tone of the book with this introduction: There#8217;s a secret that real writers know that wannabe writers don#8217;t, and Essay about Medicaid, and Obamacare, the secret is Narrative: Library, this: It#8217;s not the Medicaid, Program,, writing part that#8217;s hard. What#8217;s hard is Library, sitting down to write. Pixar Price. What keeps us from sitting down is Resistance. Personal Magic. Using his #8220;Resistance#8221; concept, Steven splits up #8220;The War of Art#8221; into three sub-books. Why Is States Government A Representative Democracy. Book One deals with the concept of Resistance by defining what it is. Book Two deals with the techniques and mindset you can use to Narrative: Essay combat Resistance, now that you know what it is. Analogue Signal Definition. Its main emphasis is on #8220;turning pro#8221; as a way of combating Resistance. Personal Narrative: Library Magic Essay. Book Three has more of a spiritual element and tries to connect the states democracy, previous books into Personal Magic Essay, one overriding whole.

Besides Resistance, Steven also talks about his interpretation of concepts such as Genius, Muses, Angels, and the nature of hierarchical and pixar stocks price, territorial motivations. He somehow manages to link these all into one coherent whole, leaving you with a lot to ponder over. Personal Magic Essay. From reading various reader reviews, it seems like this is the sort of book that divides people. Automobiles. Many absolutely love the Personal Narrative: Library Essay, poetic (sometimes abstract) wisdom contained in #8220;The War of Art#8220;, and understand that its appeal lies in the way Steven has presented his philosophies. Automobiles Business. There are just so many great quotes in this book, quotes that reward repeat readings. The fact that it#8217;s also a quick and Narrative: Library, easy read makes it all that much more appealing. It#8217;s just inspiring, really. On the other hand, other readers react quite negatively towards some of the states, underlying themes in this book (or even the way it is written). I will talk about Narrative: Library, that shortly. But first, just to business show you some of the Personal Narrative:, memorable advice in this book, let#8217;s have a look at some of my favourite quotes from it. Usually, I wouldn#8217;t directly quote from a book in analogue signal definition, a review like this (or at Personal Magic least not as much as I#8217;m about analogue signal, to).

Instead, I would just summarise it myself. Narrative: Library. But with a book like this the signal definition, enjoyment comes from Personal Library Magic Essay, not just its content, but more importantly the way it has been written. So enjoy the following quotes. Why Is The United. Any of Personal Narrative: Magic Essay these could be printed up and placed at why is the united states government your desk as a great source of Narrative: Essay daily inspiration. Pixar Stocks. My favourites are in Personal Library Magic Essay, bold . From Book One: Resistance Defining the Enemy. Most of analogue signal us have two lives. Magic. The life we live, and the unlived life within us. Vs Achilles. Between the two stands resistance. Are you a writer that doesn#8217;t write, a painter who doesn#8217;t paint, an entrepreneur who never starts a venture?

Then you know what Resistance is. Any act that rejects immediate gratification in favor of long-term growth, health or integrity #8230; will elicit Resistance. Narrative: Library Essay. Resistance is like the why is the united government, Alien or the Terminator or the Narrative:, shark in Jaws . It cannot be reasoned with. It understands nothing but power. It is an engine of Rye by Salinger destruction, programmed from the Personal Narrative: Magic Essay, factory with one object only: to definition prevent us from doing our work. Rule of Personal Essay thumb: The more important a call or action is to our soul#8217;s evolution, the more Resistance we will feel toward pursuing it. Wiki. Resistance has no strength of Library Essay its own. Automobiles Business. Every ounce of juice it possesses comes from us. We feed it with power by Personal Library Magic Essay, our fear of it.

Master that fear, and odysseus, we conquer Resistance. Procrastination is the Personal Narrative: Library Magic Essay, most common manifestation of Resistance because it#8217;s the analogue, easiest to rationalize. We don#8217;t tell ourselves, #8216;I#8217;m never going to Personal Library Magic Essay write my symphony.#8217; Instead we say, #8216;I am going to Essay Medicaid, a Medical and Obamacare write my symphony; I#8217;m just going to start tomorrow.#8217; The danger is greatest when the finish line is in Personal, sight. At this point, Resistance knows we#8217;re about to automobiles business beat it. It hits the panic button. Magic Essay. It marshals one last assault and slams us with everything it#8217;s got.

Never forget: This very moment, we can change our lives. Price. There never was a moment, and never will be, when we are without the power to alter our destiny. This second, we can turn the tables on Narrative: Essay Resistance. This second, we can sit down and do our work. Creating soap opera in Medicaid, a Medical and Obamacare, our lives is Narrative: Library, a symptom of vs achilles Resistance. Why put in Narrative:, years of work designing a new software interface when you can get just as much attention by The Catcher Rye by J.D. Salinger Essays, bringing home a boyfriend with a prison record. Depression and anxiety may be real. Personal Library Essay. But they can also be Resistance. Casting yourself as a victim is the automobiles, antithesis of Narrative: Library doing your work. The Catcher. Don#8217;t do it. If you#8217;re doing it, stop.

Unalleviated, Resistance mounts to a pitch that becomes unendurable. Narrative: Library Magic Essay. At this point vices kick in. Dope, adultery, web surfing. Beyond that, Resistance becomes clinical. Ward. Depression, aggression, dysfunction. Then actual crime and physical destruction.

Sounds like life, I know. It isn#8217;t. It#8217;s Resistance. Personal Narrative: Library. If you find yourself criticizing other people, you#8217;re probably doing it out of Resistance. When we see others beginning to Essay about a Medical Program, and Obamacare live their authentic selves, it drives us crazy if we have not lived out our own.

Individuals who are realized in their own lives almost never criticize others. If they speak at all, it is to offer encouragement. Personal. The more scared we are of automobiles business a work or calling, the Personal Magic, more sure we can be that we have to the patriot review do it. Resistance is experienced as fear; the degree of Narrative: Library Magic Essay fear equates to Essay about a Medical Program, and Obamacare the strength of Narrative: Magic Resistance. Therefore the business, more fear we feel about a specific entreprise, the more certain we can be that that enterprise is important to us and to Personal Narrative: Library Essay the growth of our soul. That#8217;s why we feel so much Resistance. If it meant nothing to us, there#8217;d be no Resistance. The more Resistance you experience, the more important your unmanifested art/project/enterprise is to you and about a Medical and Obamacare, the more gratification you will feel when you finally do it. Personal Narrative: Magic. Rationalization is Medicaid, and Obamacare, Resistance#8217;s spin doctor.

It#8217;s Resistance#8217;s way of Narrative: Magic Essay hiding the Big Stick behind its back. Instead of showing us our fear (which might shame us and impel us to a representative do our work), Resistance presents us with a series of plausible, rational justifications for why we shouldn#8217;t do our work. Defeating Resistance is like giving birth. It seems absolutely impossible until you remember that women have been pulling it off successfully, with support and without, for fifty million years. From Book Two: Combating Resistance Turning Pro. Personal Narrative: Library Magic. The conventional interpretation is that the amateur pursues his calling out of ward love, while the pro does it for Personal Library Essay money. Not the The Catcher in the J.D. Salinger, way I see it. Personal Library Magic Essay. In my view, the amateur does not love the business, game enough. If he did, he would not pursue it as a sideline, distinct from his #8220;real#8221; vocation.

The professional loves it so much he dedicates his life to Narrative: Library Magic Essay it. He commits full-time. That#8217;s what I mean when I say turning pro. Resistance hates it when we turn pro. Why Is Government. The amateur believes he must first overcome his fear; then he can do his work. The professional knows that fear can never be overcome. Personal Library Magic. He knows there is why is states democracy, no such thing as a fearless warrior or a dread-free artist #8230; [but] he knows that once he gets out into Library Magic, the action, his fear will recede and why is the united states government a representative democracy, he#8217;ll be okay. Magic Essay. The professional knows that Resistance is The Catcher in the Essays, like a telemarketer; if you so much as say hello, you#8217;re finished. Personal Narrative:. The pro doesn#8217;t even pick up the phone. He stays at work. Definition. The professional conducts his business in the real world.

Adversity, injustice, bad hops and Library Magic, rotten calls, even good breaks and lucky bounces all comprise the ground over which the signal definition, campaign must be waged. Personal Narrative: Library Magic. The field is level, the professional understands, only in heaven. The professional dedicates himself to automobiles business mastering technique not because he believes technique is a substitute for inspiration but because he wants to Personal Library Essay be in possession of the price, full arsenal of skills when inspiration does come. Personal Library Magic. The professional is the patriot review, sly. He knows that by Personal Narrative: Magic, toiling beside the signal definition, front door of Magic technique, he leaves room for genius to pixar price enter by the back.

When people say an artist has a thick skin, what they mean is Library, not that the person is montgomery, dense or numb, but that he has seated his professional consciousness in Narrative: Library, a place other than his personal ego. Essay Medicaid, A Medical Program,. An amateur lets the Personal Library Magic, negative opinion of wiki others unman him. Library. He takes external criticism to The Catcher Rye by J.D. Salinger heart, allowing it to trump his own belief in himself and his work. Resistance loves this. The professional cannot allow the actions of Personal others to define his reality. Essay About Medicaid, Program, And Obamacare. Tomorrow morning the critic will be gone, but the writer will still be there facing the blank page. Nothing matters but that he keep working.

Short of Personal Library a family crisis or the montgomery ward, outbreak of World War III, the Personal Narrative: Essay, professional shows up, ready to the patriot movie review serve the Personal Narrative: Library Magic Essay, gods. Remember, Resistance wants us to vs achilles cede sovereignty to others. It wants us to stake our self-worth, our identity, our reason-for-being, on the response of other to our work. Resistance knows we cant take this. Narrative: Library Magic. No one can. The professional blows critics off. Vs Achilles. He doesn#8217;t even hear them. Personal Narrative: Magic. Critics, he reminds himself, are the unwitting mouthpieces of pixar stocks price Resistance #8230; The professional learns to Narrative: Magic Essay recognize envy-driven criticism and to take it for montgomery ward wiki what is is: the Narrative: Library Magic Essay, supreme compliment. The Catcher In The Essays. The critic hates most that which he would have done himself if he had had the guts. Making yourself a corporation (or just thinking of Narrative: Library yourself in The Catcher J.D. Salinger Essays, that way) reinforces the idea of Personal Narrative: professionalism because it separates the artist-doing-the-work from the will-and-consciousness-running-the-show.

No matter how much abuse is why is the united states a representative, heaped on the head of the former, the Narrative: Magic Essay, latter takes it in stride and the united, keeps on Narrative: trucking. If we think of why is the united states government ourselves as a corporation, it gives us a healthy distance on ourselves. Personal Narrative:. We#8217;re less subjective. We don#8217;t take blows as personally. Stocks Price. We#8217;re more cold-blooded; we can price our wares more realistically. Personal Library Essay. From Book Three: Beyond Resistance Higher Realm. As Resistance works to stocks price keep us from Personal Narrative: Magic, becoming who we were born to be, equal and opposite powers are counter-poised against it.

There are our allies and analogue definition, angels. #8230; the Personal Narrative: Library Magic, most important thing about art is to work. Nothing else matters except sitting down every day and automobiles business, trying. Magic Essay. #8230; when we sit down day after day and montgomery ward, keep grinding, something mysterious starts to happen. Personal Magic Essay. A process is set into motion by which, inevitably and infallibly, heaven comes to vs achilles our aid. Unseen forces enlist in our cause; serendipity reinforces our purpose. Personal Narrative: Library Magic Essay. I think angels make their home in the Self, while Resistance has its seat in vs achilles, the Ego. The fight is Library, between the two. The Self wishes to movie create, to Narrative: Magic Essay evolve. Montgomery Ward Wiki. The Ego likes things just the Personal Library Essay, way they are. The Ego produces Resistance and attacks the awakening artist.

We come into ward, this world with a specific, personal destiny. We have a job to Personal Magic Essay do, a calling to enact, a self to become. Rye By. We are who we are from the cradle, and Narrative: Magic Essay, we#8217;re stuck with it. Our job in this lifetime is the united a representative, not to Personal Narrative: Library Essay shape ourselves into montgomery, some ideal we imagine we ought to be, but to Personal Narrative: find out why is the united government who we already are and Personal Narrative: Magic Essay, become it. In the montgomery ward wiki, animal kingdom, individuals define themselves in one of Narrative: Magic two ways by their rank within a hierarchy (a hen in a pecking order, a wolf in a pack) or by in the Rye by J.D., their connection to Library Magic Essay a territory (a home base, a hunting ground, a turf).

This is states a representative, how individuals humans as well as animals achieve psychological security. Personal Magic. Of the two orientations, the montgomery wiki, hierarchical seems to Library Magic Essay be the automobiles, default setting. #8230; We define ourselves, instinctively it seems, by our position within the Magic, schoolyard, the why is a representative, gang, the Library Magic, club. It#8217;s only government democracy, later in Narrative: Library Magic, life, usually after a term of ward wiki education in Personal Narrative: Library Essay, the university of hard knocks, that we begin to automobiles business explore the territorial alternative. For some of us, this saves our lives. Personal Narrative: Library Magic Essay. For the artist to define himself hierarchically is fatal. #8230; The artist must operate territorially. He must do his work for its own sake. In the hierarchy, the artist faces outward. The Patriot. Meeting someone new he asks himself, What can this person do for me?

How can this person advance my standing? In the hierarchy, the Personal Magic Essay, artist looks up and The Catcher Salinger Essays, looks down. The one place he can#8217;t look is Personal Narrative: Library Magic, that place he must: within. The Patriot Movie. A hack #8230; is Personal Narrative: Magic Essay, a writer who second-guesses his audience. Analogue Signal. When the Narrative: Library, hack sits down to work, he doesn#8217;t ask himself what#8217;s in his own heart. He asks what the market is montgomery, looking for. Essay. #8230; the hack writes hierarchically. Price. He writes what he imagines will play well in Personal Essay, the eyes of analogue others. He does not ask himself, What do I myself want to write? What do I think is important? Instead he asks, What#8217;s hot, what can I make a deal for?

The artist can#8217;t do his work hierarchically. Narrative: Essay. He has to wiki work territorially. The act of creation is by definition territorial. As the Library, mother-to-be bears her child within her, so the artist or the analogue, innovator contains her new life. Personal Narrative: Library. No one can help her give it birth. Ward Wiki. But neither does she need any help. Personal Library. Of any activity you do, ask yourself: If I were the last person on earth, would I still do it?

If you#8217;re all alone on the planet, a hierarchical orientation makes no sense. There#8217;s no one to impress. So, if you#8217;d still pursue that activity, congratulations. The United Government Democracy. You#8217;re doing it territorially. If you were meant to Personal Narrative: Library Magic cure cancer or write a symphony or crack cold fusion and business, you don#8217;t do it, you not only hurt yourself, even destroy yourself. Library Magic Essay. You hurt your children. Business. You hurt me. You hurt the planet. Essay. Creative work is not a selfish act or a bid for attention on the part of the actor. Essay Program, And Obamacare. It#8217;s a gift to Personal Narrative: Essay the world and every being in odysseus vs achilles, it. Don#8217;t cheat us of Library Magic your contribution.

Give us what you#8217;ve got. There are many more quotes I could include, but the above should give you an analogue signal definition idea about whether this is the sort of book you#8217;d enjoy. If you would, I think you#8217;ll also find some of the following chapters interesting too: #8220;We#8217;re All Pros Already#8221; chapter, which compares the Narrative: Library Essay, qualities that define us as professionals in our day-to-day lives with the qualities of the amateur who does their true calling #8220;on the definition, side#8221;. #8220;Life and Personal Library Essay, Death#8221; chapter, which talks about the Essay about Medicaid, Program,, Ego and the Self, and Library Essay, talks about our psyche (the Jungian-derived model) and analogue, what happens when we are faced with our imminent extinction. What becomes important? Is it possible to heal ourselves by doing that which we know is Personal Narrative: Library Essay, important to us? #8220;The Artist and the Hierarchy#8221; chapter, which explains what happens when an artist defines themselves hierarchically. Odysseus. #8220;The Territorial Orientation#8221; chapter, which discusses the Narrative: Essay, qualities of a territory, and about a Medical Program,, how we can find our own. From reading some of the Narrative: Magic, negative reviews out there, here are some of the in the Rye by J.D. Essays, major points people complain about: The book is too short It gets a bit #8220;weird#8221; towards the Personal, end The book implies that the cause of cancer is automobiles, Resistance.

Let me deal with each one of the above objections. Firstly, yes, the book is short. Almost all the chapters are between 1-5 pages each. If you ask me, that makes for Essay a pleasant and quick read. And who said that books need to be long to be enjoyable? If this is vs achilles, a reader#8217;s only Narrative: Library Magic, complaint about a book, then it#8217;s not a particularly strong one. Why Is The United Democracy. Quality always trumps quantity. Narrative: Essay. Secondly, I get what some people mean when they think Steven gets a bit #8220;weird#8221; towards the end of the book. I think these readers are primarily referring to Book Three, which talks about the #8220;higher realm#8221;. Now, I#8217;m not religious myself, so if anyone is business, going to be sensitive to Library Magic matters like this it would probably be me. Business. However, I don#8217;t feel the book #8220;assaults#8221; me with religious concepts in Library Essay, Book Three.

Although Steven talks about concepts like #8220;God#8221; and #8220;Angels#8221;, he makes it quite clear that he#8217;s not trying to force people to interpret these words the same way he does. He encourages the reader to interpret these concepts in the abstract, if that#8217;s what they#8217;re more comfortable with. And that#8217;s what I have chosen to do when reading that part of the book. Government. Lastly, yes, there are controversial statements in this book. But I think a lot of Narrative: Essay negative reviews take these statements out of states government a representative context, and try to make them broader than they were originally intended. Library. Steven does, indeed, talk about cancer, drug abuse, and definition, fundamentalism. And yes, he does suggest that in some cases he thinks these things are a possible symptom of Resistance. That is an Personal Library Essay interesting argument.

At one point, he illustrates some examples where people who have been diagnosed with cancer suddenly drop everything that is no longer important, and instead focus on analogue signal the things they have always wanted to do. Personal Library Magic. What then happens once they#8217;ve conquered their Resistance is montgomery, that their cancer goes into remission. Narrative: Magic. Perhaps that sounds like an absurd analysis of the situation, and I can certainly understand how people who have experienced cancer could feel quite offended by Steven#8217;s statements. If read the wrong way, then yes it looks like he#8217;s implying that a cancer sufferer only Program,, has themselves to Personal Magic Essay blame since they have been ignoring what their body and soul wants them to business do with their lives. But if read another way, I think Steven is Personal Narrative:, simply giving some philosophical food for thought, by Essay a Medical and Obamacare, emphasising the importance of the Personal Narrative: Library Magic Essay, holistic link between mind and odysseus vs achilles, body. Regardless, the Personal Narrative: Library Essay, above is such a small part of the odysseus vs achilles, book, that to judge the Narrative: Library Magic, entire book by it would be ridiculous. But apart from the above criticisms (valid or not), I have my own minor ones to add. The book lacks a contents list The book skews a little too much towards writing at times. The Patriot Review. Regarding the first point, it#8217;s understandable considering just how many one-page chapters there are. If there was a contents page, it would probably be its own book! You#8217;ll see what I mean when I list the contents shortly.

Having said that, I still think it would have been nice to have a contents page at Personal Narrative: Magic Essay the front of the book to stocks easily be able to find those chapters you might want to Essay revisit from government a representative, time to time. After all, it#8217;s the type of Magic inspirational book where you#8217;ll want to do that. As it stands now, though, you can#8217;t even find the automobiles business, page number of the individual sub-books! That should have definitely been fixed. Narrative: Magic Essay. Regarding the pixar stocks price, second point, I guess it#8217;s not surprising. Steven wrote this book based on Library Essay his own experiences of vs achilles fighting Resistance as a writer. Personal Magic. It#8217;s only natural that this book would focus more on about Medicaid, a Medical and Obamacare a writer#8217;s world. But, in Narrative: Library Magic, fairness, all you have to do is montgomery ward wiki, substitute #8220;writer#8221; for Personal Magic whatever word you want (eg. painter, entrepreneur, etc), and the concepts pretty much apply to ward everything. Still, I think anyone pursuing a calling in the #8220;arts#8221; will probably get the most out of this book.

What I Do What I Know The Unlived Life. Book One: Resistance Defining the Enemy. Resistance#8217;s Greatest Hits Resistance is Invisible Resistance is Internal Resistance is Insidious Resistance is Personal Library, Implacable Resistance is Impersonal Resistance is The Catcher J.D. Salinger, Infallible Resistance is Personal Magic, Universal Resistance Never Sleeps Resistance Plays for definition Keeps Resistance is Fueled by Fear Resistance Only Opposes in Personal Magic, One Direction Resistance is Most Powerful at the Finish Line Resistance Recruits Allies Resistance and automobiles, Procrastination Resistance and Sex Resistance and Trouble Resistance and Self-Dramatization Resistance and Self-Medication Resistance and Victimhood Resistance and Personal Narrative:, the Choice of in the Rye by J.D. a Mate Resistance and this Book Resistance and Library Magic Essay, Unhappiness Resistance and Fundamentalism Resistance and automobiles, Criticism Resistance and Self-Doubt Resistance and Fear Resistance and Love Resistance and Being a Star Resistance and Narrative: Magic Essay, Isolation Resistance and why is the united states government a representative democracy, Healing Resistance and Library Magic Essay, Support Resistance and why is government a representative democracy, Rationalization Resistance can be Beaten. Book Two: Combating Resistance Turning Pro. Magic. Professionals and Amateurs A Professional What a Writer#8217;s Day Feels Like How to be Miserable We#8217;re all Pros Aleady For Love of the Game A Professional is stocks, Patient A Professional Seeks Order A Professional Demystifies A Professional Acts in the Face of Narrative: Library Magic Fear A Professional Accepts No Excuses A Professional Plays It As It Lays A Professional is pixar stocks price, Prepared A Professional Does Not Show Off A Professional Dedicates Himself to Mastering Technique A Professional Does Not Hesitate to Ask for Personal Narrative: Library Essay Help A Professional Distances Himself from her Instrument A Professional Does Not Take Failure (or Success) Personally A Professional Endures Adversity A Professional Self-Validates A Professional Recognises Her Limitations A Professional Reinvents Himself A Professional is Recognised by Other Professionals You, Inc A Critter that Keeps Coming No Mystery. Book Three: Beyond Resistance Higher Realm. Angels in the Abstract Approaching the Mystery Invoking the wiki, Muse Testament of a Visionary The Magic of Narrative: Library Magic Essay Making a Start The Magic of analogue signal definition Keeping Going Largo Life and Personal Magic Essay, Death The Ego and why is states, the Self Experiencing the Self Fear The Authentic Self Territory versus Hierarchy The Hierarchical Orientation The Artist and the Hierarchy The Definition of a Hack The Territorial Orientation The Artist and the Territory The Difference Between Territory and Hierarchy The Supreme Virtue The Fruits of Narrative: Magic Essay our Labor Portrait of the Artist The Artist#8217;s Life.

Overall, I really enjoyed this book. It#8217;s #8220;a vital gem#8230;a kick in the ass#8221;, as the quote from Esquire on the cover says. Odysseus Vs Achilles. After reading it, I have certainly retained some of the major concepts, and Personal Narrative:, have found them helpful in my own day-to-day mental battles as a writer. Pixar Price. Additionally, I have the Narrative: Library Magic Essay, comfort of in the Salinger knowing that whenever I#8217;m stuck in Narrative: Magic Essay, a rut, opening up this book and analogue definition, reading a few chapters will put me back in the mind frame I need to conquer my Resistance. Narrative: Library Essay. This is the kind of book that will never be #8220;outdated#8221;. Movie. I think the Personal Magic Essay, following quote from the book#8217;s foreword by Robert McKee will summarise the experience best: As I closed THE WAR OF ART, I felt a surge of positive calm. I now know I can win this war. And if I can, so can you. * Just so you know, if you buy the The Catcher Salinger Essays, book from Essay, this page, I get a tiny commission from the movie, sale…about enough to buy a used pack of chewing gum (I can offer you a piece, if you’d like)! But seriously, every little bit helps fund the Library Magic, website you#8217;re reading. Ward Wiki. Join our mailing list to receive the latest news and articles.

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My Future Job Essay Essays and Research Papers. many different professions that one can be confused in choosing the perfect one for Narrative: Library Magic Essay, them. Pixar Price. The development of certain branches of science and technology has . led to the advancement of Magic Essay new skills. Salinger Essays. So, the profession that I want to Magic dedicate my life to analogue signal is a physician. The job of a doctor is one of the Personal Narrative: Magic Essay, oldest and in the Rye by J.D., most prestigious professions. Medicine is constantly changing and adapting to the changing world. New diseases require new knowledge. Personal Essay. In addition, knowledge and abilities of the physician is a representative democracy, are not.

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My Essay Hello my name is Library Magic, Tillaeva Dildora and I work at daycare named Ann Kids. This is not . my first year of working with kids, before this preschool, I have worked in variety of government a representative different preschools. Here, I work for Personal Narrative: Library Magic, two years with kids’ age from states government a representative three and Personal Library Magic Essay, four. I really enjoy working here, because of the kids and the environment of this daycare. Ward Wiki. How my day starts? This might been your first question, and answer to it is. First I check the room, before I let my kids to Narrative: Magic the class. Health , Hygiene , Occupational safety and ward, health 1776 Words | 8 Pages. ? MY FUTURE IN CHILDHOOD EDUCATION 1 . Timeka Butler ECE 101 Dawn Harris March 24, 2014 MY FUTURE IN CHILDHOOD EDUCATION 2 I decided to become an early childhood teacher, because I love working with young children. Personal Library Essay. Don’t get me wrong the The Catcher Essays, older children are good, but at this age some of them are grown and you can’t tell them. Education 1234 Words | 6 Pages.

My Information Technology Job Interests. My Information Technology Job Interests Introduction to Information Technology Course Number: IT101 Unit 2 Assignment . Abstract During my research for Personal Library, this paper I have learned quite a bit about why is democracy myself. Personal Narrative: Essay. This assignment forced me to look at what my strengths and pixar, preferences are. Coupled with the information I have learned about the job market, I know have some direction. This paper will explain what I have chosen.

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Teekay Corporation 2017 Annual General Meeting Presentation. HAMILTON, BERMUDA–(Marketwired – June 19, 2017) – Teekay Corporation ( Teekay ) (NYSE:TK) presented at its 2017 Annual General Meeting on Thursday, June 15, 2017, which included details on its three publicly-traded Daughter entities, Teekay LNG Partners L.P. ( Teekay LNG ) (NYSE:TGP), Teekay Offshore Partners L.P. ( Teekay Offshore ) (NYSE:TOO), and Teekay Tankers Ltd. ( Teekay Tankers ) (NYSE:TNK). Below is a detailed speech from Kenneth Hvid, Teekay’s President and Library Magic Chief Executive Officer: “Good morning, ladies and gentlemen. Thank you for attending our June 2017 Annual General Meeting. It is my pleasure to report to you at this Annual General Meeting as Teekay Corporation’s President and ward wiki Chief Executive Officer.

As we have done in the past, I will spend some time today reviewing our key developments since our last Annual General Meeting in Personal Narrative: Essay June 2016. For further information, I refer you to our website at www.teekay.com where you will be able to download our 20-F filing for Essay about Medicaid,, the year ended December 31, 2016 with the United States Securities and Exchange Commission. Before I begin, I must include the usual and important disclaimers about forward looking statements that are mandated by U.S. Securities laws 1 . Teekay Corporation reported total cash flow from vessel operations 2 of $1.3 billion, compared to $1.4 billion in Narrative: Library Magic Essay 2015. Signal? During the year, our diverse portfolio of long-term charter contracts totaling approximately $20 billion in forward fee-based revenues continued to provide support to Teekay Corporation’s cash flows. However, our offshore business results were impacted by the redelivery of the Varg FPSO in July 2016 after operating for Narrative: Library Magic, almost 18 years on the Varg field and lower cash flows from the Arendal Spirit UMS. Our tanker business results were impacted by lower spot tanker rates in 2016 compared to montgomery ward wiki, the highs seen in 2015. On the efficiency front, we have implemented various cost saving initiatives during the past year, resulting in lower run-rate operating and general and administrative expenses.

Overall, we continue to focus on delivering on Narrative: our existing growth projects, optimizing our asset portfolio across the Teekay Group, and strengthening our balance sheets to ward wiki, better position the Teekay Group to take advantage of future opportunities. For Teekay LNG, this means continuing to Personal Narrative:, execute on its existing growth projects, including its current newbuilding financing plan; for Teekay Tankers this means maintaining fixed cover, continuing to deleverage the balance sheet and keeping operating costs low to position the business for montgomery ward, the next upcycle; and for Teekay Offshore this means continuing to make progress towards delivering on its existing growth projects and continue to deleverage the balance sheet and build liquidity. Narrative: Essay? As mentioned on our latest earnings conference call, Teekay Offshore has been working on a number of liquidity initiatives over the past several months. We are nearing completion on these initiatives and expect to update the market during the third quarter of 2017. Looking at the markets that we operate in, over the course of 2016 and into 2017, oil prices have stabilized in the $45 to definition, $55 per barrel range, which is overall positive to Personal Essay, the offshore industry sentiment. Looking longer-term, the fundamentals in the offshore and deepwater energy sector remains positive, which will benefit Teekay Offshore.

In addition, the Essay a Medical Program, fundamentals in the shuttle tanker market continue to tighten, particularly the North Sea. Personal Narrative: Essay? The long-term fundamentals for LNG shipping remain strong with an movie expectation that more LNG carriers will be required to service new projects, which will benefit Teekay LNG. Lastly, we anticipate 2017 will present some headwinds to crude tanker rates due to OPEC production cuts and Narrative: Essay higher fleet growth. However, we believe this near-term dip in the market cycle to be relatively short-term in nature, as limited tanker ordering in the mid-sized tanker segments and an anticipated increase in scrapping due to regulatory changes, as well as a more balanced oil market, is expected to lead to a renewed market upturn in 2018, which will benefit Teekay Tankers. Each of Teekay Corporation’s publicly-traded Daughter entities has continued to execute on their respective business plans and I’ll spend a few moments now summarizing some of the highlights at each entity. In 2016, Teekay LNG generated distributable cash flow 3 of $235.0 million and continued executing on its portfolio of growth projects. Over the course of democracy, 2016 and into 2017, Teekay LNG took delivery of the world’s first MEGI LNG carrier newbuildings, the Creole Spirit , the Oak Spirit and Library Magic Essay the Torben Spirit , which commenced their respective charter contracts with Cheniere Energy and a major energy company, and, through its joint venture with Belgium-based Exmar NV, took delivery of pixar stocks price, its sixth, seventh and eighth of Personal Narrative: Library Magic, its 12 mid-size LPG carrier newbuildings. The Catcher In The J.D. Salinger Essays? On the business development side, Teekay LNG secured charter contracts for all its remaining unchartered MEGI LNG carrier newbuildings and now all of our LNG carrier newbuildings have secured charter contracts.

On the financing side, in 2016 and into 2017, Teekay LNG has continued to secure long-term financing for its growth projects raising over $1.6 billion for various projects. With a significant portfolio of Magic Essay, growth projects delivering through 2020, we believe Teekay LNG is set to experience significant cash flow growth in the future. In 2016, Teekay Tankers generated significant free cash flow 4 of $186.7 million, which, together with the sale of some older tonnage, has allowed Teekay Tankers to further strengthen its balance sheet. On the commercial side, Teekay Tankers continued to focus on the united democracy increasing its fixed-rate time-charter coverage and Library Magic growing its lightering and other fee-based businesses, which we believe will help to reduce the effect of tanker market volatility in 2017. Lastly, Teekay Tankers recently announced two acquisitions, including the merger with Tanker Investments Ltd. ( TIL ) 5 , which owns 18 mid-size conventional tankers, which will position Teekay Tankers as the largest publicly-listed mid-size tanker company with a stronger financial foundation, a much larger, younger fleet with which to service its customers globally and fully integrated tanker operations. With a stronger financial foundation, strong operating leverage and a lower cash break-even rate, we believe Teekay Tankers is movie well-positioned to benefit from an expected renewed tanker market upturn in 2018. In 2016, Teekay Offshore generated distributable cash flow 3 of $161.3 million, continued to focus on the execution of its portfolio of growth projects, and implemented various cost saving initiatives. Teekay Offshore took delivery of its first of four state-of-the-art towage newbuildings in September 2016 and recently took delivery of its largest current project, the jointly-owned Libra FPSO, which is currently undergoing field installation and testing on Personal Library Magic Essay its field in Brazil for the patriot review, its 12-year charter contract with an international consortium, led by Petrobras. Over the course of 2016 and into 2017, Teekay Offshore experienced some delays and additional costs on the Gina Krog FSO and Petrojarl I FPSO projects, which are now scheduled to commence operations in the third quarter of 2017 and early-2018, respectively. Library Essay? Teekay Offshore’s East Coast Canada shuttle tanker project, which includes three Suezmax-class shuttle tankers, remains on time and on budget for delivery between the third quarter of the patriot review, 2017 and Personal Essay the first quarter of 2018 for their respective 15-year contracts with a consortium of oil companies.

On the commercial side, in late-April 2017, Teekay Offshore was notified by a Medical Program, and Obamacare the charterer of the Library Arendal Spirit UMS of its termination of the charter contract on this unit. About Medicaid, Program, And Obamacare? Teekay Offshore is disputing the Narrative: Library termination and reviewing its legal options, while at the same time actively marketing the unit for alternative employment. On the business development side, in 2016 and into 2017, Teekay Offshore secured five shuttle tanker contract of affreightments in the North Sea at successively higher rates, including the largest North Sea shuttle tanker award in five years, and a five-year FSO extension for the Falcon Spirit FSO, and entered into a customer-funded front-end engineering and design ( FEED ) study for the Varg FPSO for potential use for pixar, the development of the Cheviot field in the U.K. sector of the Library North Sea. In addition to delivering on its existing growth projects, which are expected to provide significant cash flow growth in the future, Teekay Offshore continues to focus on securing contract extensions for its three FPSOs that are coming up for ward, renewal in 2018 and 2019, which are progressing as expected, and strengthening its balance sheet and liquidity position, which I touched on Library earlier. Before I conclude, I would like to about a Medical and Obamacare, highlight that operational excellence has always been among Teekay’s key strengths. Our global teams onboard ships and ashore, devote enormous effort towards upholding the Teekay name as a respected symbol of quality and as a protector of the Personal Library Magic Essay environment. We set ourselves high standards for personnel safety, fleet availability and Medicaid, a Medical Program, and Obamacare customer service. However, we recognize that there will always be room to do better and Personal Narrative: Magic Essay we live by our core value of pixar price, continuous improvement. In closing, I would like to thank our customers for the opportunity to serve them; our colleagues for their dedicated efforts; our Board of Directors for their valued guidance; and our fellow shareholders for their continued support.

In addition, I would like to thank Sean Day for his 18 years as Chairman of Teekay Corporation’s Board of Personal Narrative: Magic Essay, Directors and I am looking forward to working with Bill Utt as Teekay Corporation’s new Chairman of the Board.” This release contains forward-looking statements (as defined in why is government a representative Section 21E of the U.S. Library Essay? Securities Exchange Act of 1934, as amended) which reflect management’s current views with respect to certain future events and movie performance, including statements regarding: the Essay timing of delivery and start-up and costs of The Catcher Rye by, various newbuildings and conversion/upgrade projects and the commencement of related contracts, including potential delays and additional costs on the Petrojarl I FPSO unit and Gina Krog FSO unit; the Personal Narrative: Library Essay timing and certainty of completing Teekay Offshore’s liquidity initiatives; the positive fundamentals in the offshore and deepwater energy sector and the patriot movie review the benefit of those fundamentals on Personal Library Essay Teekay Offshore; the expected increase in montgomery wiki the number of LNG carriers required to service new projects; the expected impact on crude tanker rates in 2017; the Essay expected duration of the dip in the tanker market and expected upturn in 2018, and the benefit of the upturn on Teekay Tankers; the expected growth in future cash flow for Teekay LNG; the timing and certainty of completing the Teekay Tankers merger with TIL; the expected benefits of the merger, including the montgomery expected impact on Teekay Tankers’ earnings per share, financial leverage, liquidity position, fleet age and future results; the Arendal Spirit UMS charter contract termination, including the outcome of Teekay Offshore’s dispute of the contract termination by Essay the charterer and ability to collect amounts under the contract and signal definition the potential for alternative employment of the unit; and the expected growth in Library Magic future cash flow from Teekay Offshore’s existing growth projects. The following factors are among those that could cause actual results to differ materially from the forward-looking statements, which involve risks and uncertainties, and that should be considered in evaluating any such statement: changes in production of, or demand for oil, petroleum products, LNG and Essay a Medical Program, and Obamacare LPG, either generally or in particular regions; greater or less than anticipated levels of newbuilding orders or greater or less than anticipated rates of Personal Library, vessel scrapping; changes in trading patterns significantly affecting overall vessel tonnage requirements; changes in applicable industry laws and pixar regulations and the timing of Personal Library Essay, implementation of new laws. and regulations; changes in the typical seasonal variations in tanker charter rates; changes in the offshore production of oil or demand for shuttle tankers, FSOs, FPSOs, UMS, and towage vessels; changes in oil production and the impact on the Company’s tankers and offshore units; fluctuations in global oil prices; trends in prevailing charter rates for the Company’s vessels and offshore unit contract renewals; the about potential for early termination of long-term contracts and inability of the Company to renew or replace long-term contracts; the Library Essay inability of charterers to make future charter payments; the inability of why is the united states government democracy, Teekay Offshore to successfully make a claim against, and collect from, Petrobras for the Arendal Spirit UMS; the inability of Teekay Offshore to negotiate acceptable terms with the lenders of the Arendal Spirit UMS credit facility; the inability of Teekay Offshore to negotiate acceptable terms with the charterers, shipyards and lenders related to Library Magic Essay, the delay of the signal Petrojarl I FPSO and Gina Krog FSO projects; Teekay LNG’s and Teekay LNG’s joint ventures’ ability to secure financing for its existing newbuildings and projects; the inability of Teekay Offshore to negotiate acceptable lease and operate terms related to the Varg FPSO; the ability to fund Teekay Offshore’s remaining capital commitments and debt maturities; the inability of Teekay Tankers to manage market volatility by Personal Narrative: Library Magic increasing its fixed-rate time charter coverage and growing its lightering and Rye by Essays other fee-based businesses; failure to satisfy the Narrative: Magic Essay closing conditions of the merger with TIL, including obtaining the required approvals from the Teekay Tankers and The Catcher J.D. Essays TIL shareholders and relevant regulatory authorities; failure to successfully integrate TIL into Teekay Tankers and realize the expected benefits and synergies from the Narrative: Library Magic Essay combined company; potential shipyard and project construction delays, newbuilding specification changes or cost overruns; costs relating to why is states a representative, projects; delays in commencement of operations of FPSO and FSO units at designated fields; the inability of Teekay LNG to collect the deferred charter payments from Skaugen; delays in CoA project start-ups; changes in Personal Library Magic the Company’s expenses; a delay in, or failure to complete, vessel sales; and other factors discussed in Teekay’s filings from time to time with the SEC, including its Report on Form 20-F for the fiscal year ended December 31, 2016. The Company expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in states democracy the Company’s expectations with respect thereto or any change in events, conditions or circumstances on which any such statement is based. (1) Before I proceed with my report to Personal Library, the shareholders, please allow me to remind you that various remarks that we may make in the course of this presentation about future expectations, plans and prospects for the company and the shipping industry constitute forward-looking statements for the purposes of the Safe Harbor provisions under the Private Securities Litigation Reform Act of 1995.

Actual results may differ materially from review those indicated by these forward-looking statements, as a result of various important factors, including those discussed in our annual report on Personal Library Form 20-F for the year ended December 31, 2016, filed with the U.S. Securities and Exchange Commission on April 12, 2017. 2 Cash flow from vessel operations represents income from the patriot review vessel operations before depreciation and amortization expense, amortization of in-process revenue contracts, vessel write-downs, gains or losses on Library Magic Essay the sale of vessels and equipment and adjustments for movie review, direct financing leases to a cash basis, but includes realized gains or losses on the settlement of Personal Magic, foreign currency forward contracts and a derivative charter contract. The Patriot? Please refer to Appendix E in Teekay Corporation’s Fourth Quarter and Personal Narrative: Magic Essay Annual 2016 Earnings Release, which can be found on ward wiki our website www.teekay.com, for a reconciliation of this non-GAAP financial measure, as referenced above, to the most directly comparable financial measure under United States generally accepted accounting principles ( GAAP ). 3 Distributable cash flow represents net income adjusted for depreciation and amortization expense, deferred income tax and other non-cash items, estimated maintenance capital expenditures, unrealized gains and Personal Library Magic losses from about a Medical Program, non-designated derivative instruments, ineffectiveness for derivative instruments designated as hedges for accounting purposes, distributions relating to equity financing of newbuilding installments, adjustments for Library Magic, direct financing leases to a cash basis and foreign exchange related items, including the Partnership’s proportionate share of such items in equity-accounted for investments.

Maintenance capital expenditures represent those capital expenditures required to maintain over Essay a Medical and Obamacare, the long-term the Personal Library Magic Essay operating capacity of, or the revenue generated by, the Partnership’s capital assets. Please refer to Appendix B in Teekay LNG’s and Teekay Offshore’s Fourth Quarter and Annual 2016 Earnings Releases, which can be found on our website www.teekay.com, for pixar stocks price, a reconciliation of this non-GAAP finance measure, as referenced above, to the most directly comparable financial measure under GAAP. 4 Free cash flow (FCF) represents net income, plus depreciation and amortization, unrealized losses from derivatives, certain non-cash items, FCF from the equity accounted investments, loss on sale of vessel, and any write-offs or other non-recurring items, less unrealized gains from Personal Library Essay derivatives, equity income from the equity accounted investments, gain on sale of vessel and the patriot movie review certain other non-cash items. Please refer to Appendix B in Teekay Tankers’ Fourth Quarter and Annual 2016 Earnings Release, which can be found on our website www.teekay.com, for a reconciliation of this non-GAAP finance measure, as referenced above, to the most directly comparable financial measure under GAAP. 5 Teekay Tankers merger with TIL remains subject to customary closing conditions, approval by Personal Narrative: Magic Essay TIL’s shareholders of the merger, and approval by Teekay Tankers’ shareholders of an increase in the authorized number of Teekay Tankers’ Class A common shares, to permit the issuance of Class A common shares as merger consideration.

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7 Cover Letter Mistakes Entry-Level Candidates Make—and How to Fix Them Now. Personal Narrative: Library? If you’re a first-time job-seeker, you probably feel a lot of a representative democracy pressure to find a job quickly. And at this stage, the fastest way to land more interviews is to take your cover letter seriously. Yes, your resume is also important, but here’s the Magic Essay, thing: In a sea of youthful candidates, most of your resumes will look very similar. And as most companies deal with a huge influx of entry-level applications, so hiring managers find that judging candidates based on virtually indistinguishable resumes ends up being inefficient and about Program, and Obamacare cumbersome. Instead, they’ll use your cover letter to gauge your potential.

The clincher? Entry-level and internship candidates tend to make the same cover letter blunders, which are fatal to their applications. Here are seven big mistakes entry-level candidates make, and how you can avoid them to come out on top. Everyone learns how to write a 500-word, one-page essay in Magic school. To most of us, it sounds like “the bare minimum.” But for a cover letter, it’s way too much—and will only wiki, serve to annoy the hiring manager. The Fix: Keep it Simple, Direct, Clear, and Short. Personal? Aim for analogue signal 250 words. According to the Orange County Resume Survey, almost 70% of employers either want a half page cover letter (250 words) or “the shorter the better” approach.

If that seems short, just remember: All you really need to Narrative: Library Magic Essay include in your cover letter is the job you want to fill, the reason you can do the job, and how you intend to do the job—with a little flair of personality. No need to write out Essays, your whole resume. No need to pen your personal manifesto. Library? Keep it short and sweet for why is the united government democracy the hiring manager who’s reading through dozens of these. Too many cover letters have sentences that read like this: “I wish to Library Magic convey my interest in filling the open position at your fine establishment.” Is that so, Mr.

Shakespeare? The problem with this stilted and unnatural language is that it’s off-putting to hiring managers: It makes you seem insincere and even robotic, not anything like the friendly, approachable, and awesome-to-work-with person that you are. The Fix: Use Common Language and Speech Patterns. Skip the frills, and just use clear language—“I’m thrilled to be writing to analogue definition apply for the [position] at Personal Magic, [company].” You can sense that this sentence has a much more genuine and friendly tone than the first example. Here are some other complicated terms and their simpler, more natural synonyms: Advantageous — helpful Erroneous — wrong Leverage or utilize — use Attempted — tried Subsequently — after or later. There are a couple ways to spot overly formal language in your cover letter.

First, try reading it out loud to ward wiki see if there are areas that feel unnatural coming off the Personal Narrative: Library Essay, tongue, and rework them to flow better. You can also try using a program like Hemmingway App to help you identify over-complicated language in your writing. The Patriot? All career advisors will tell you to target your cover letter. Unfortunately, too many people think that this simply means writing something like “I love [insert target company here].” I’ve got news: That’s simply not good enough to show a hiring manager your enthusiasm for a company. The Fix: Demonstrate Your Understanding of the Company With Details. Instead, you’ll need to read enough about the Personal Library Essay, company to movie review make a truly personalized comment in your cover letter.

First, you should study the content, advertising, branding, business strategies, and Personal Narrative: Essay culture of the company. Pay especially close attention to Rye by J.D. Salinger Essays the department you’d like to Personal Magic join. Find out what the team is movie review doing and how they’re doing it, and Narrative: Magic Essay take note of the areas that you know you can contribute to. Including that specific information in the cover letter shows that you’re interested and already have ideas for how you can help the pixar price, company. So let’s say that you’re applying for an internship position at a company like The Muse. You might say something like: I really enjoy reading the productivity section on Personal Library Magic Essay The Daily Muse— it’s got a great blend of psychological and analogue technical tips, many of which I’ve taken to heart.

I’m a sucker for this type of Personal Library Magic Essay “food for The Catcher J.D. Essays thought” material, so I have my own ideas and resources that would make me a strong contributor in Narrative: Magic this vertical. Problem #4: You’re Underselling Yourself. About Medicaid, A Medical Program,? If you have any lines in Library Essay your cover letter that read like these, you must remove them: I’m probably not the most qualified candidate… I’m sure you have many other more qualified candidates who have applied… Give me a chance to prove myself… Why would the hiring manager not hire the most qualified candidate? That would be absurd! The Fix: Make an Argument for Yourself.

Even if you feel under-qualified, put on a brave face and tell the signal definition, hiring manager the attributes that would make you a strong candidate. Respond to Narrative: Essay the job description, and play up the directly related and transferable skills you have that would allow you to meet the challenge. For instance, someone applying for why is an entry-level position as a salesperson might write: During college, I was responsible for ad sales in our newspaper, The Blue and Gold . I learned how to create, manage, and maintain professional relationships with business owners around our campus. My direct efforts led to Personal Essay a 10% profit margin increase over the year, and I believe that those skills can be directly applied to your open position. If you’re still unsure, check out career counselor Lily Zhang’s suggestions for drawing out your strengths instead of analogue signal your weaknesses. Of course, remember that having too much bombast (“I’m absolutely the best and Personal Narrative: Library Magic you better believe it!”) also isn’t good. The following is one of the most important rules to remember about writing your cover letter: It isn’t just about pixar stocks price you. In other words, avoid writing about how working at your target company will create a great boost for your resume and Personal Library career. Hiring managers are fully aware of that. What they need to why is states government democracy know is how you’re going to provide a boost for the company. Personal? The Fix: Ask What You Can Do for the Company.

Your cover letter should state what you can do for the company. Analogue Signal? Ask yourself—what is it about your education and experience that would allow you to Personal Narrative: Library meet the challenges of the open job position? How can you leverage your expertise for review the benefit of the company? What ideas do you have to Library Essay move the business forward? It’s perfectly fine to mention that being hired would be mutually beneficial—the hiring manager wouldn’t want you to be a demoralized worker in price a role that doesn’t suit your career prospects. Just keep it to a quick sentence and then move on to wooing the reader with what you can do for the company. Personal Narrative: Library Magic? Problem #6: It’s Full of Irrelevant Filler.

Got a paragraph about states government your semester abroad, or some other travel experience where you found your “true calling?” You should probably delete it. Do you have sentences like, “I am a hard working, efficient, and loyal person?” Don’t make a series of lists of positive sounding words about yourself. It’s not convincing. Most importantly, if you’ve included personal information about your religion, marital status, or race, delete it. Even if you think it’s adding personality, it’s actually irrelevant to Personal Library the job and could cause you to be discriminated against. The Fix: Focus on Your Relevant Skills and History. Signal? Only talk about the experiences that directly relate to your skills and abilities that will help you succeed in the position. So if you learned a relevant skill while you were abroad, like a language? Then it’s perfectly fine to bring it up. You should also make sure to show the Personal Magic Essay, hiring manager proof of your skills rather than simply say that you have them.

For any word you choose to describe yourself, make sure to include an example from your work experience to back up your claim. For example, instead of saying that you’re “hard-working” or “a problem solver,” write something like: I felt like my own training could have been better, so I took the states government democracy, initiative to create new documents and checklists to make employee training less resource-intensive, which led to shorter training periods and faster content production. Library Magic? Problem #7: It Has Too Much Information About College Metrics. Analogue Signal Definition? This may be strange to hear, but here are four things that don’t really factor in your cover letter: the university you attended, your GPA, the classes you took, or your senior thesis. You should be proud of yourself if you got into an Ivy League school and have a great GPA, but in most cases, they aren’t great metrics for Personal Magic Essay determining whether you’ll be a strong employee. The Fix: Stick to Activities and Essay Responsibilities. To the Personal Narrative: Library Magic, greatest extent possible, talk about activities you participated in both inside and outside of college that have some relevance to the job. A student with a 2.9 GPA but with experience as editor of a college newspaper is still very likely to pixar get an Narrative: Library Magic Essay, interview for a media job. The reason that activities speak louder than statistics is because they act as proof that you have the soft skills necessary to be a good employee and co-worker. Activities provide experience you can use to show that you are organized, have leadership skills, can work in a team, and can easily get used to wiki a professional environment. Above all, activities show that you were motivated to succeed beyond simply earning a degree.

Photo of cover letter courtesy of Shutterstock. Mark Slack is a Senior Resume Consultant and Personal Library Career Advisor at Resume Genius, the Salinger Essays, smartest resume builder. He is an avid biker and hiker, and can read, write, and speak Mandarin. Personal Essay? You can follow him on Twitter @TheResumeGenius and on Google Plus. Hmmm, seems you#39;ve already signed up for this class.

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

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

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

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

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

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

According to the Almanac of the Federal Judiciary, before his appointment, he served on montgomery ward, the Executive Committee for the Dallas County Republican Party, on Personal Narrative: Magic, the Executive Committee of the Texas Federation of Young Republicans, and as the J.D. Essays Director of the Dallas County Republican Men’s Club. By all accounts, Judge Fitzwater is a sharp, detail-oriented, and fair-minded judge. According to the Almanac, he’s referred to by attorneys who practice before him as “the smartest guy on Personal Narrative: Library Magic Essay, the bench.” Practitioners quoted in the Almanac also say that he “listens to everything,” and signal definition that he is “perfectly prepared” for Narrative: Library Magic Essay all of his hearings. They also say that “He follows the law. He will not substitute his own opinions. You are getting the law as he understands it. He is careful not to inject his personal view into the case.” He has received the Dallas Bar Association’s highest overall poll evaluation for federal judges on several occasions, including in 2017.

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

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

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

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

In the report, the CFPB presents the Personal Narrative: Library Magic Essay survey’s findings on in the Salinger Essays, the distribution of financial well-being scores for the U.S. adult population overall and for selected subgroups defined by these other measures. In the CFPB’s view, its findings “provide insight into which subgroups are faring relatively well and which ones are facing greater financial challenges” and raise “important questions about what may drive variations in financial well-being within subgroups and Narrative: how these factors may work together to determine an individual’s level of financial well-being.” The report’s major findings include: Using the CFPB’s 0 to 100 scale, the average financial well-being score for U.S. adults was 54. There was a 35-point spread between the top 10 percent and the bottom 10 percent of scores. About a third of pixar stocks price, all adults in the United States had financial well-being scores of Narrative: Library, 50 or below, about a third had scores between 51 and 60, and about a third had scores of 61 or above. Financial well-being scores reflect real differences in The Catcher J.D. Salinger, underlying financial circumstances, with scores of 50 or below associated with both a high probability (well above 50%) of Personal Essay, struggling to make ends meet and of experiencing material hardship and scores of 61 and above associated with low probability (less than 10%) of having trouble paying for basic needs or making ends meet.

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

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

In conducting the evaluation, the Personal Library OIG assessed the design, implementation, and execution of the two programs. The OIG found that the states a representative democracy effectiveness of both programs could be improved. The CFPB implemented the Narrative: Library Magic ECP in October 2014 and, according to the report, has described the ECP as “critical” for stocks price its supervision program and the professional development of its examiners. Although the Narrative: OIG found that the CFPB had taken some steps to enhance the ECP, it identified several shortcomings. The OIG found the following:

Due to management’s workforce needs and advancement incentives, some examiners appeared to proceed through certain components of the ECP before being fully prepared. In addition, certain controls established by the CFPB to manage examiners’ progression through the ECP might be ineffective. Some examiners did not appear to why is government, receive adequate training and developmental opportunities or exposure to Magic Essay, certain CFPB internal processes before proceeding to certain components of the ECP. The CFPB did not have a formal method to evaluate and update the Medicaid, a Medical and Obamacare ECP. Personal Library Magic Essay. The CFPB did not consistently communicate ECP requirements to prospective employees, including the starting point for the 5-year requirement for completing the ECP. The CFPB’s OJT program is intended to be a standardized program that ensures examiners are trained uniformly across all regions. In the program, an in the Salinger Essays, OJT trainer is Personal Narrative: Magic Essay, expected to work with an examiner on an examination, provide mentoring, discuss the CFPB’s Supervision and states government a representative democracy Examination Manual, and oversee the examiner’s completion of assigned modules.

The OIG found that CFPB regions had not consistently implemented the OJT program and examiners may not have understood the requirements, expectations, and purpose of the OJT. The report makes a series of recommendations for addressing the OIG’s findings and enhancing the effectiveness of the Essay ECP and OJT program. The Patriot. In the CFPB’s response to the OIG’s draft report, which is Personal Library Essay, included with the report, the CFPB states that it agrees with the OIG’s recommendations and outlines its plans for pixar implementing the recommendations. What is the deadline for the Senate to pass a CRA resolution to override the Personal Narrative: Essay CFPB’s arbitration rule? Despite the filing of a lawsuit last Friday by a number of pixar stocks, industry trade groups seeking to block implementation of the CFPB’s arbitration rule, we remain hopeful that the Senate will pass a resolution of disapproval under the Congressional Review Act to Library Magic, override the rule. There has been considerable confusion about the Senate deadline for passing a CRA resolution so we took a closer look. Under the CRA, to be eligible for montgomery ward wiki the “fast track” procedures for Senate consideration that preclude a filibuster and allow the Senate to pass a resolution of Narrative: Magic, disapproval resolution with a simple majority vote, the Senate must act on the resolution during a period of 60 Senate “session days” which begins on the patriot movie, the date the rule is received by Congress or published in the Federal Register, whichever is later. Since the Senate received the CFPB’s report on the arbitration rule on July 13 and the rule was published in the Federal Register on July 19, the 60 Senate “session days” for purposes of the CRA clock began on July 19, 2017.

As of this past Friday (September 30), there were 33 Senate “session days” since July 19. Accordingly, assuming that the Senate will be (1) in session Monday through Thursday during the weeks it is Personal Library Magic Essay, not scheduled to be in recess, and (2) in pro forma session on The Catcher J.D. Salinger, each Tuesday and Friday of a recess week, the Personal Narrative: Magic 60 “session days” would end on November 21. However, since November 21 falls during the week when the Senate is scheduled to be in recess for Thanksgiving, a vote is price, unlikely to take place during that week. Thus, based on Library Magic, the foregoing assumptions, the last day for in the Rye by Salinger a Senate vote, as a practical matter, would be November 16. CFPB “Can Improve” Recordkeeping and Notifications of Purpose in Civil Investigative Demands, OIG Finds.

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

Second, the OIG found that the CFPB could do a better job at records management. It found that the definition CFPB maintained only decentralized records of CID challenges and lacked a centralized record-keeping system. In reaching this conclusion, the OIG noted that “The lack of a centralized record of Library, all petitions and supporting documents may have contributed to the Office of the Executive Secretariat’s delay in responding to Essay Medicaid, Program, and Obamacare, our request for the number of petitions filed to date.” The decentralized record-keeping issue is relevant to the public and Personal Narrative: Essay the industry because the CFPB posts CID challenges on its website. The OIG noted that the CFPB took steps to The Catcher in the Rye by Salinger Essays, centralize its record-keeping. It indicated, however, that further follow-up was needed to Narrative: Library, verify that the new system addressed the issue. Finance Industry Files Lawsuit to Overturn CFPB Arbitration Rule. The U.S. Chamber of Commerce, American Bankers Association, the Consumer Bankers Association, Financial Services Roundtable, American Financial Services Association, Texas Association of Business, Texas Bankers Association, and why is the united government a representative nine chambers of Magic Essay, commerce located throughout Texas today filed a lawsuit in Texas federal court challenging the Consumer Financial Protection Bureau’s final arbitration rule.

The lawsuit seeks to why is the united states government a representative, stay implementation of the arbitration rule, a declaration that it is Narrative: Library Essay, unlawful and montgomery ward other relief. The case has been assigned to Personal Library Magic Essay, Judge Sidney A. Fitzwater, U.S. District Court for the Northern District of Texas (Dallas). We will be providing more details next week. by the Consumer Financial Services Group at Ballard Spahr LLP.