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22.04.2015
The wide scope of online identity fraud has goaded the FBI, FTC, and independent businesses to issue warnings on how to avoid online scams and keep yourself protected.
Always question e-mails and opportunities that seem too good to be true, because they almost always are.
Variations of this scam have been around in snail mail form since the 1920s, but they have only become more advanced as technology has grown. This scam is particularly despicable because it victimizes those who have already been victimized. A recent spin has the scammers pretending to be legitimate companies such as Google, Microsoft, or a security company, telling you they’ve remotely caught a virus. Contact the supposed funeral service if the e-mail looks suspicious, to confirm the funeral.
White’s Castle was built in 1417 by Sir John Talbot, the Viceroy of Ireland, to protect the bridge over the River Barrow.
Built into the wall on either side of the original entrance doorway are two sculptured slabs which state that the castle was previously owned by the Earl of Kildare signified by the coat of arms to the right of the entrance doorway. It is situated on Duke Street on the west bank of the River Barrow in the centre of Athy, Co.
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Luxury home values rose in California’s major metropolitan markets in the second quarter of 2012 compared to a year ago, according to the First Republic Prestige Home Index™ by First Republic Bank, a leading private bank and wealth management company. In the East Bay, Adam Betta of Highland Partners in Piedmont said many sellers have been underestimating the resale value of their property as prices start to recover. In Los Angeles, values posted their largest year-over-year gain since the second quarter of 2011. In Beverly Hills, Myra Nourmand of Nourmand & Associates, said there was active demand for the most exclusive properties.
Lisa Platt of Coldwell Banker in Beverly Hills said buyers appear more ready to purchase a home.
San Diego luxury homes edged down during the second quarter, but the 2.5% year-over-year increase was the biggest annual gain since the first quarter of 2007.
Chuck Gifford of Coldwell Banker in Rancho Santa Fe said the luxury market remains soft and noted that many sellers are trading down to lower-priced properties. In La Jolla, Mo Loghavi of California Prudential Realty also said there was a small supply of homes, but that buyers are eager to make offers. The First Republic Prestige Home Index™ is the first statistical model of its kind customized to measure changes in homes valued at more than $1 million in key California urban markets.
First Republic Bank (NYSE:FRC) and its subsidiaries provide private banking, private business banking and private wealth management. First Republic Private Wealth Management is the investment management, trust and brokerage group of First Republic Bank.
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All information provided is deemed reliable but is not guaranteed and should be independently verified.
Resumes are typically short one (sometimes two) page summaries of a job seekers experiences, skills and qualifications. This page can help you in your efforts by cutting to the chase and giving you FREE access to many professionally written, incredibly designed and industry targeted resumes. To stand out and be successful a resume must make an immediate good impression with the employer, and link your competencies with the employers needs.
If you really want your dream job then you must do everything within your power to get it. Your resume is a vital part of your job-search toolbox, it has two aims, firstly to capture the reader’s attention and secondly to reflect everything positive about you. Give examples of how you benefited previous employers (companies want to employ someone who can aid and advance their organisation). Do not use very small type, a person having to read dozens of resumes in a afternoon is very likely to give up on one that is in very fine print or is crammed and crowded.
Also bear in mind that if you do get to the interview stage your interviewer may speak the language you claim to know.
However your hobbies are usually of no interest to most employers and subsequently it is a section of your resume that will not always be read.
Volunteer work can imply initiative, strong social involvement, and significant social experience. When applying to a leadership or management position you might want to note your involvement in competitive team sports. For an engineering or mechanical position, you might omit your interest in sports and instead mention that you enjoy working on your dirt bike or restoring old cars. Your love of skydiving could make you seem like too much of a risk taker for some companies. If you are applying for a desk or office job then you might not seem compatible if all of your hobbies are outdoor, physical activities. Reading and writing is typically done in isolation and perceived as not very compatible with teamwork or customer service positions.
Unless you are applying for a job as a comedian do not attempt to be funny or include any jokes, it can make you seem unprofessional and immature. If you have worked for a prestigious company or someone who is well known in your industry, then be sure to mention this.
With the exception of governmental positions, which may require this information, your nationality should be omitted.
Any information you give should not reveal the actual names of your current or previous employers’ clients. Do not use coloured paper, as it can overshadow the content of your resume, instead always use clean white paper with a minimum density and weight of 90gsm. There are some employers out there who will check this to see whether you have written the resume yourself.
Keep it fresh and current by updating it with the latest training programs and other academic qualifications that you have gained.
Do not jam your resume with text, use white space between the words, lines and paragraphs to improve the legibility of your resume. Nothing is more convincing and appealing to a prospective employer than a clear, specific and concise explanation of how you contributed to a previous employers’ success.
In this section recruiters will basically be looking for clues about the type of worker you are. If you have worked for a prestigious company or market leader in your industry (if you have then certainly mention this). Florissant, Colorado REO homes, foreclosures in Florissant, Colorado, search for REO properties and bank owned homes in your state. This is houses for sale and foreclosure listings overall search with no email or credit card required.
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Now we’ll look at the other side of the balance sheet, which has liabilities and stockholder equity, and initially we’ll focus on liabilities. These people will go to great lengths to con a poor, unsuspecting samaritan into giving up their pertinent information, identity, details, or bank account numbers. The first step on this list is always this: Do not respond to unsolicited e-mail, and do not click on any embedded links within those e-mails.
You would think everyone would know about this scam in 2014, and that nobody would fall for it, but you’d be wrong. A wealthy Nigerian family or a widowed African woman is trying to get money out of the country. These scams promise to refund and recover money already lost to schemes (such as the Nigerian Wealth scam). They say they’ll issue refunds if you provide bank information for the direct-deposit reimbursement. Malware crusaders steal the names of legitimate funeral homes, send invitation notices to an unnamed friend or relative’s memorial service, with an attached link to celebrate the friend’s life. It should not be construed as an offer for sale (or even that this building is actively marketed). The 6.6% price increase compared to a year ago was the largest year-over-year gain since the first quarter of 2006.
The 4.3% increase from the first quarter was the largest quarterly gain since the third quarter of 2005. He also said many homeowners can’t sell because they have no equity in their homes after buying at the peak of the market. Some common features of luxury homes in the Index: 3,000 to 6,000 square feet, three to six bedrooms, and three to six bathrooms.
Founded in 1985, First Republic specializes in exceptional, relationship-based service offered through preferred banking or wealth management offices primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland, Boston, Greenwich and New York City. First Republic Private Wealth Management offers objective advice and fully customized solutions with the same level of exceptional client service that has been the hallmark of First Republic Bank for more than 25 years.
They are often the first contact an employer has with a prospective employee, and are used to screen job applicants and learn more about them. Job seekers usually end up creating many drafts before they feel comfortable with the end result.
This is a resource page aimed at helping you to write a resume that will give a well-organized and concise presentation of the most relevant information about you. This is because they need resumes to find suitable candidates to fill their vacancy’s, however they very often have to read through piles of poorly written resumes to find the right one.
Use it to show where you worked, what you learnt, and how your skills and experience are relevant to the job you’re applying for. These are basically verbs that can make you stand out by putting more emphasis on your experience and achievements.
However you should note that a keen eyed recruiter may be able to roughly work out your age from your career history and academic qualifications.
Hiring Managers are likely to quickly discard candidates whose resumes are difficult to read or have the key information buried under a morass of less important text.
Do not include your work number unless you have a private office where you can take phone calls without being overheard. It’s also not wise to use unusual fonts, as apart from making it hard to read it can also be difficult to scan electronically. Hiring managers can be very picky and after a quick glance will discard those that have spelling mistake’s or appear disorganized. It also takes up premium space which can be used for more relevant information which the recruiter will be interested in. First of all as you are likely have more hobbies and interests than you can include in your resume, only include those that are related to the job you are applying for, or that you think will interest the employer the most. Humour is a subjective thing and since you have no idea who will be reading your CV and whether they have a similar sense of humour to you it’s best not to take any chances.
Remember that Hiring Managers will have a stack of CVs to go through, their time is limited and so is their patience.
The golden rule is that it should be as concise as possible, but long enough to entice a hiring manager to call you for a job interview. As long as you are either a native to the country in which you are applying or can provide a suitable working visa, there is no need to explain where you are from.
Also be careful about disclosing confidential information about a previous employer’s sales figures or business turnover etc. After you have finished writing it and before you send it out have your resume reviewed by a competent person.
They believe that employers already know that virtually all serious applicants have referees and if required they can be supplied separately. The purpose of this section is to impress the employer with your abilities and to cause them to want to ask further questions about your work performance. It’s a place for you to show off your desirable traits and to prove your future value to prospective employers.
Mention points which were particularly noteworthy or interesting and which will show that you brought a different perspective to things. A balance sheet is a statement of the financial position of a company at a specific point in time.
The first thing you will notice is that it is as of December 31, 2011, so it shows the amounts on that specific date, and again, it’s in thousands of dollars. These are items that have value but are not expected to be turned into cash during the next year in the normal course of operations. Just as with assets, there are current liabilities, those items that need to be paid within the next twelve months, and long term liabilities, or those items that aren’t due for more than a year. Remember, you can download the Financial Statement Analysis eBook, which includes over 50 definitions and ratio calculations.  It also includes an excel spreadsheet that will calculate key ratios when you input financial data. As long as people are falling for these too-good-to-be-true opportunities, the prevalence of these scams will only increase. The scammers create phony recovery programs to restore a victim’s lost money, but first you must pay an up-front fee. The invitation appears authentic at first glance, but the danger is in the attached link, typically downloading malware to your computer rather than redirecting you to a funeral service site.
And ask yourself: Do you have any recent friends who have died who would invite you to such an impersonal service? San Francisco Bay Area properties include a cross-section of luxury homes in Alamo, Atherton, Belvedere, Danville, Healdsburg, Hillsborough, Lafayette, Los Altos, Los Gatos, Mill Valley, Moraga, Orinda, Palo Alto, Piedmont, Portola Valley, Ross, St. First Republic offers a complete line of banking products for individuals and businesses, including deposit services, as well as residential, commercial and personal loans. First Republic has the flexibility to provide individuals, families, businesses, endowments, schools and non-profit organizations with appropriate choices that responsibly meet a client’s specific investment objectives. These unique examples, which you will not find on any other sites, are all fictionalised, with most (but not all) being in PDF format. Right here you will learn the basic rules of writing one, and also have access to free resume templates that you can customise and use to create your very own personalised interview winning document. Be sure to check your emails and voicemails regularly to make sure you do not miss any messages left by prospective employers. Currently most CV experts agree that it should ideally be one page long, however its final length really depends on your experience and the type of job you are applying for, which in turn means it can be two pages long if need be.
Once it has been saved to your prospective employer's hard disk your resume should be easy to identify.
Ask them to critique your resume for its appropriateness, errors, typos, or misspelled words.


Therefore if you plan to send in your resume as a MS Word document or a PDF, check its properties first.
Current assets are cash, cash equivalents, and any asset that is expected to be turned into cash in the next twelve months. In this case we have first, the fixed assets: the company’s investment in property, plant, and equipment.
Typical current items would be accounts payable, the bills from vendors that have not yet been paid, and the current portion of long-term debt. If you need debt collection assistance, we are specialists in large business to business claims and we can refer you to other agencies if your needs do not fit with our expertise.
While the Internet and online security become more and more advanced as the years pass, so to do the tactics of these e-scams. All information is from sources deemed reliable, but is subject to errors, omissions, changes, or withdrawal without notice. First Republic Bank is an active lender in the luxury home market for primary residences and vacation homes.
Since January, a sense of urgency has come back to the market, particularly among luxury buyers. First Republic is a component of the S&P Total Market Index, the Wilshire 5000 Total Market IndexSM, the Russell 1000®, Russell 3000® and Russell Global indices and six Dow Jones indices. For all of these reasons they should be well written, concise and only include information that the employer will be interested in and finds relevant. They will give you an excellent idea of how to organize information, create emphasis, and describe your accomplishments. Our templates have been professionally designed, are of the highest quality and contain powerful industry specific keywords intended to grab the attention of recruiters and get you noticed. Don’t risk throwing away all of your hard work with one small spelling mistake which could blow your chances.
Do this by going to the File menu of a MS Word document and clicking on Properties then look at the Summary and ensure your name appears in the Author box (if it doesn't then simply enter your name there and save it). Typically they are reported at the same time as an income statement, so at the end of a month, the end of a quarter, or the end of a year. On the left side is assets and on the right side there are two major categories with bolded titles: liabilities and stockholder equity.
That is what makes an asset a current asset – that it will become cash during the normal course of operations in the coming year. It is called book value because it is an accounting measure, and not necessarily what the business would actually sell for. Make sure to research a link: A legit, secure URL will redirect to an ‘HTTPS’ address, not just ‘HTTP.’ If you feel that you must open a link, open it manually into your browser, just don’t click any links! For the first time, people are thinking if they don’t buy soon, the market is going to get away from them.
Properties in Los Angeles represent a cross-section of luxury homes in Arcadia, Beverly Hills, Calabasas, La Canada Flintridge, Encino, Los Angeles, Malibu, Marina del Rey, North Hollywood, Pacific Palisades, Pasadena, Playa del Rey, Santa Monica, Studio City, and the West Los Angeles enclaves of Bel Air, Brentwood and Westwood. First Republic Securities Company and First Republic Investment Management are wholly owned subsidiaries of First Republic Bank. Each template is aimed at a specific industry sector and has been formatted using margins and bullet points, making it easier for key elements of an individual’s strength to be quickly identified. But it is for a specific point in time whereas the income statement is for a period of time.
The balance sheet needs to balance, and that means the value of total assets, which in this case is $8,374,000, needs to equal the value of total liabilities and equity, which we see is also $8,374,000. Cash equivalents are financial instruments that can easily be turned in to cash such as certificates of deposits or CDs. The cumulative amount originally spent to purchase fixed assets is shown as the Gross Value, which for this company totaled just over $2 million. Current liabilities will also include any taxes that aren’t paid or other expenses that we know we have to pay but we don’t actually have an invoice for yet. Shareholders Equity is made up of two components: the amount of money that was invested in the company by shareholders by purchasing stock and then the retained earnings over the course of the operation of the company. Just ask yourself this: How many wealthy Nigerians do you know that need your specific help, and why do they need you? San Diego properties represent a cross-section of luxury homes in Carlsbad, Coronado, Del Mar, Encinitas, La Jolla, La Mesa, Poway, Rancho Santa Fe, San Diego and Solana Beach. Unless otherwise disclosed, investments through First Republic Investment Management and First Republic Securities Company, LLC are not FDIC-insured, not bank guaranteed and may lose value.
Sometimes the balance sheet is referred to as the statement of net worth, because it does show the equity value or net worth of the business.
If a balance sheet doesn’t balance, that means there is something wrong with the financial statements. Depreciation expense is determined by accounting rules to expense the cost of fixed assets over their useful life.
An example of accrued expenses is when you use a law firm, and you know by the end of the month that you owe them money but they haven’t sent their invoice yet, so you estimate the amount owed and show that as an accrued liability. It is reduced when dividends are given to shareholders, since those earnings are no longer retained but are being distributed. These are assumed to have very short terms, typically net 30 or net 60 days, and therefore they can be turned into cash within a year and that’s why they are a current asset.
For example the computer on your desk may have cost the company $1,000 when purchased and this $1,000 is included in the gross value.
Adding up all these current liabilities, also known as short-term liabilities, shows a total of $1,839,000 for this company. Inventory includes raw materials, work in process and finished goods and the expectation is that the inventory on a specific date will be sold during the next year and will be replaced with new inventory. The company will have depreciation expense of $200 a year for 5 years if that is the expected useful life of the computer, and after three years of $200 depreciation expense annually, the accumulated depreciation would be $600.
This company also had some long-term debt that does not have to be paid back in the next 12 months, so that’s recorded as a long-term liability.
So for this company the amount of investment was relatively small—only $194,000—but over the years they have accumulated over $4 million in net income as shown in the value of retained earnings. The net value of property, plant, and equipment is calculated by subtracting the accumulated depreciation from the gross value. We add the long-term liabilities to the current liabilities and we get the total liabilities of $4,171,000. For example, if you pay your insurance bill at the beginning of the year and it’s good for 12 months, most of payment is a prepaid expense for insurance coverage to be provided throughout the year, not just the day the bill was paid. Another long-term asset is a note receivable for $349,000 that is not due in the next 12 months.
Now as we said before, the balance sheet needs to balance, so we add total liabilities and total shareholder’s equity together, which $8,374,000, and as we saw, this is the same amount as total assets.
Deposits with utility companies or for short-term leases are also included in other current assets.
If some of the note receivable was due in the next 12 months, that portion would be shown in the current assets category. We take the total of these non-current assets, including the fixed assets, and we add that to the current asset, and that gives us a total value of assets of $8,374,000.



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