CareersPlusResumes.com - Poor service/arrogance/scam |
2009-08-16 04:45:57 by Xoli
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Like many people out there, I am looking for a job and after several months of unsuccessfully job applications, I decided that few hundred dollars paid to a professional resume writer could pay bigger dividends and land me few interviews. I searched the internet and decided to go with CareersPlusResumes.com which was by no mean amongst the cheapest options.
They have a great website and listed the Wall Street Journal as one of their partners, so I thought that it was a legitimate professional company and decided to buy a $149.90 package for: One-on-one consultation+ Resume writing + Cover letter. They promise you a 24-48 hours turnaround time, so I was expecting to get a call from the consultant to discuss my background and my career expectation, but I was shocked to receive a resume after a 2-day wait which had exactly the same wordings and text as my old resume that I had e-mailed them initially. The only difference was on the executive summary and the format. When I raised the issue, the gentlemen called Kevin (this person seems to be the only guy running this so called business-a scam- because he is the person that you will always get on the phone when you are so lucky to get through any of the numbers listed on their website) tells me that my job experience is always the same and cannot be changed from my former resume. My point is that my old 2 page resume does not capture the full depth and breath of my work experience and I paid for this service because I thought that a one-on-one interview with a consultant would enable him to understand my profile and how to market it better in a new resume:I did not pay $149.99 for something that I could easily have done myself.
Anyway they have taken my money and sent me nothing but my very same old resume and worst I still do not received the cover letter that was suppose to come with it.
Do yourself a favor and stay away from this scam… I wish somebody had warned me before I used them. |
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Long Form currently does not have save article feature hence multiple selectors
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2022-03-14 12:57:55 by Averilltvn
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how to get my ex back
She broke up with me for no reason on my part then soon after we just started dating again. She to be able to test me by having her friend hit on me. I failed because since we are just dating i guess it's time OK to accept other dates. Later that day she calls me to tell me that I'm a bullter and that the girl I was going to spend time with is her friend. I got mad than ended issues.
The next day I tried to win her back but she wouldent talk or text me back. So I purchased some flowers to her house and than she called me back to say she got them and it was nice. She said no guy ever did that on her before. We are still friends but I feel bad, And i want back. Any wisdom?
First send her a letter, the type that's on paper, produced with a pen. Write it time and again til it's right in you mind. Stay up all night if you must.
Neither of you are on a single page with what each of you expects of a friendship, Let alone a romantic relationship. I think you're putting a lot of energy into racking your brains on something that didn't exist in the first place.
if you have to be any serious effort involved, on both parts, To actually build a liaison, Then you might want both sit down together, With the sole function of deciding that.
give me an idea out of a relationship, exactly she want. Are you similar belief, you'll see humour, Common welfare, have confidence in, constancy, And honesty firstly.
a thought is for sure. What may possibly have now, Doesn't total a hill of beans.
She caught me cheating a different option,another solution friend hit on me which I fail. She did it with thanks to the songs I listen to which made her insecured. She called me to tell me I am a lier knowning that it it was her friend
to help set me up. I god mad and ended areas. I forgotten her for a day and a half than called her. We spoke for half the afternoon longest I ever spoke to her. She thought I was not going to talk to She agreed to stay friends so I ask if she want to hang out. She says she has no problem but feels that its not good to currently. She does not seem mad and she does not want me to fix anything.
Good sign my ex will be restored?
I was caught by my -girlfriend on flirting with another girl so she dump me. I got her to be in accordance meet me up for a birthday hug on my birthday. whenever you met on her break from work. I impressed her with flowers, Stuff animal and a card with a poem of eager her back. Gave her a protracted hug and left. She called me back but I didn't pick before an hour later I text her. She said she wanted <a href=https://charmdatescamreviews.wordpress.com/>charmdate scam</a> to find me when I got off work. I said you isn't going to give me back flowers are you? She said no I'm not which means that.
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2022-03-14 16:47:04 by Rickvwl
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Inc KNSL Q3 2021 Earnings Call records
Before we get cracking, Let me remind everyone that through the course of the teleconference, Kinsale leaders may make comments that reflect their intentions, Beliefs and expectations money for hard times. some, These forward looking statements are subject to certain risk factors which could cause actual results to differ materially. These risk factors are listed in company various SEC filings, since 2020 annual report on Form 10 K, that will be reviewed carefully. The company has furnished a Form 8 K with the Securities and Exchange Commission that the press release announcing its third quarter results. Kinsale administrative may also reference certain non GAAP financial measures in the call today.say thanks a lot,, And good week, each and every. We appreciate your joining us on the simple. We will track our usual format, With a brief evolution from me, and also Bryan Petrucelli, Kinsale Chief fund Officer; moreover Brian Haney, Kinsale Chief employed Officer, Will each provide some additional remarks, And then we move on to any questions from any of you. Kinsale leading earnings for the third quarter 2021 were $1.59 per watered down share, a crucial increase from the third quarter of 2020. The gross produced premium was up 36.5% regarding quarter. the company posted a 75.7% joint ratio for the quarter and 78.1% merged ratio for the nine months. Our performing return on equity for nine months was 19.8%. Multiple years of noticeable rate increases, in combination with our disciplined underwriting and low cost model, Is counting in meaningful margin expansion over our long term guidance of a 15% operating return on equity, And we expect to keep going well ahead of that 15% goal.Our catastrophe loss from Hurricane Ida was $4.6 million, Net of taxing. This relatively modest loss in light of the degree of the storm is consistent with our cat experience over the last 10 years. We do rate cat exposed Property business through our personal lines and our conventional Property books, And we think the margins in that business are compelling. But we also seek to limit the volatility of the business through a variety of good underwriting, Strict limits on the power of business and a comprehensive reinsurance program. The relatively higher cat loss figure from the third quarter of 2020 compared to the third quarter of 2021 was mostly due to the occurrence of multiple events last year. We swindles forever optimistic about market trends and prospects for our business. many of our numbers remain strong, And our reserves are conservatively stated. on the flip side, There was lots of commentary at a recent industry conference about Casualty reserve issues among some weaker competitors and having less returns on Property business, Really for the entire P industry, over the last three to five years.Both analysts examples were cited as reasons, amongst other things, For the robust pricing cycle to keep. Brian Haney will give you some additional commentary on our own experience here in a moment. As we outlined last quarter, We expect to consider borrowing some more cash next year in 2022 should we need any capital to fund our growth. Our debt to attempt capital ratio is about 6% today, And the long term goal is for that to approach 20%. Additional financial leverage should be useful to our returns.I now turn the letter over to Bryan Petrucelli. Bryan?Bryan l. Petrucelli Executive v. p,second in command and Chief Financial OfficerThanks, robert. merely another nice quarter, With strong operating results moving forward with to be driven by solid premium growth, Favorable loss experience and regimented expense management. We reported net income of $36.6 million in which third quarter of 2021, Representing an increase of 146% in comparison to $14.9 million yr after, Due primarily to raised earned premium, Lower cat losses and net favorable loss reserve invention. Net working earnings increased by 282%, really $36.7 million from $9.6 million in the third quarter of last year. business generated underwriting income of $38.1 million and a joined ratio of 75.7% that will quarter, as opposed to $2.9 million as well 97.3% last year, With improvements to both the loss and expense ratios. The combined ratio for the third quarter of 2021 comprised 5.9 points from net favorable prior year loss reserve technology and 3.8 features from cat losses, mostly from Hurricane IDA, with regards to 2.8 points of favorable loss reserve structure and 15.4 points of cat losses last year.Our current lock up year loss ratio, restricted of cat losses, Decreased in detection and understanding of ongoing favorable pricing trends that Mike previously touched on. The 20% expense ratio for this quarter continues to benefit from some economies of scale, considering the fact that our earned premiums are growing faster than our operating expenses, And from slightly lower relative net commissions as a result of a shift in the mix of the business to lines that are subject to reinsurance and where we receive ceding commissions. Although it is possible that we continue to achieve a modest level of additional economies of scale, some variability from quarter to quarter, We believe an expense ratio in the low to mid 20s to be environmentally safe over time. Our effective tax rate for <a href=https://medium.com/@patrickbrock0526/is-charmdate-scam-true-my-personal-review-towards-charmdate-com-d74194c1db92>charmdate.com</a> the first nine months of 2021 was 18.9%, instead of 12.8% yr after, And higher primarily thanks to lower tax benefits from stock compensation activity this year.Annualized performing return on equity was 19.8% for the first nine months of the year and, far more, As Mike remarked, Ahead of our mid teens suggestions. Gross written premiums were approx $198 million for the quarter, representing a 36.5% increase over last year simply because of the continuing favorable market conditions and our superior service standards. On your time and money side, Net finances income increased by 15.5% over the third quarter of yr after, really $8.1 million from $7 million last year. Annualized gross expense returns, Excluding cash and cash counterparts, ended up being 2.5% for that year so far, in 3% last year. Diluted jogging earnings per share was $1.59 per share for the quarter, unlike $0.42 per share yr after.and understanding that, I pass it onto Brian Haney.Brian n. Haney Executive vice chairman and Chief Operating OfficerThanks, Bryan. as mentioned earlier, top quality grew 36.5% from your third quarter, Down from 45% inside your second quarter, But roughly like growth rates in the first quarter and the fourth quarter of last year. the increase is generally driven by increasing submissions, Rate increases and in some cases economic growth, Which drives up subjection basis. all of our divisions was up for the quarter, Led by our General Casualty section, Which had been exceptionally hard hit by the lockdowns in 2020. The reopening of the economy and the robust economic growth is still providing us a leading boost. distribution growth was in the low teens in the third quarter. ought to be rates, We continue to push them up in response to market conditions. remember, We have a very good heterogeneous book of business, Which complicates reducing all the rate movement to a single numberBut that all being said, We see rates being up in the low teens in the aggregate through the third quarter, Generally similar to the past several quarters. the circumstances that have driven the market hardening still exist. So we do not expect a change to the market in the near term. We are paying close focus on inflation. in this article, We feel that the rate increases we are achieving are for over loss cost trend, and so, you should be building additional margin. At our recent investor discussion, I touched on several advantages Kinsale has over its oppositions: Our sole focus on E our superior technique and our meaningful expense ratio advantage. an additional has emerged during COVID. We are one of the few, Maybe one, Surplus lines insurer which fully in the office, one on one, Five dthe actualys a fabulous week. We came back to work in person last October. We have to hire and train a lot of people to conserve the growth, And we find that learning and teaching is just better in person.within, We feel like you can only absorb the company culture if you'll see your coworkers face to face. Our competitors are now going on their second year of seeking recruit and train people via Zoom. It just not a sensible way to train people, span. People don learn as well a little bit, And they don pick up group culture remotely. By being physically, We avoid the learning loss that you are seeing in academics and business that goes hand in hand with remote learning. This is a primary advantage for us in terms of our ability to train new staff and execute our plan. all in all, We are optimistic. We are producing truly awesome results, And the market conditions still favor us. Our business structure works well in any market, Hard or soft or rrn between, But the current market conditions are really excellent and we are working hard to use them.and that which, I turn it back over to Mike.ervin P. Kehoe CChief exec Officer and PresidentThanks, Brian., We now ready for any questions in the queue.answers:<>directions] First, We have something with Jeff Schmitt, With bill Blair. Your lines are openBrian D. Haney Executive vice president and Chief Operating OfficerGrowth was obviously really strong in the quarter. And I was curious whatever you seeing, How much of that is exposure growth across the book just with inflation and supply regulations worsening and kind of how much is that, i reckon that, Offset by tightening affiliate agreement.Brian j. Haney Executive v. p,second in command and Chief Operating OfficerWe don have an exact answer for that, But if I had to break it, I would say that outcomes of increased submissions, increased rates and improved exposure are all roughly equal. So let call it 1/3 of the growth is increased exposure. But a guess.
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Fantastic photos of life in blackburn 40 years ago in 1982
Captain Dennis Mortimer and Tony Barton of Aston Villa lift the european Cup, To the cheers of around 20,000 fans not in the Town Hall on 28th May 1982. They beat German giants Bayern Munich 1 0 in holland for this historic triumph. This may include adverts from us and 3rd parties based on our insight. You can unsubscribe at any time. facts
appreciation for subscribingWe have more newslettersShow meSee ourprivacy notice
It completely new year. New Year promises are already being tested, The Christmas snacks are gone and we all browsing summer holiday deals.
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