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Our curriculum is designed to encourage children to become independent, self-confident, and inquisitive learners through active play. Every child is an individual who learns at his/her own pace. Your child's program will vary, based on the number of days and hours per week that he/she attends Pine Brook Jewish Center Nursery School.
Our curriculum is developed to expose each child to various experiences. In addition, our curriculum builds from year to year, providing your child with continuity and a strong knowledge base during his/her years at Pine Brook Jewish Center Nursery School. Concepts and skills are introduced, which are appropriate to each child's own learning priorities and pacing. Age-appropriate hands-on activities are planned according to a calendar of themes, which provide children with meaningful learning experiences. An enriching Judaic framework enhances the entire curriculum.
Children and their parents will all have an opportunity to "Meet the Teachers" before the first day of school. All parents will be able to share specific information and concerns about their child at this initial time.
A very special transition class for children 18 months and older. Highlights of this unique class include: circle time, music & songs, art projects, story time, puppets, age-appropriate games…and so much MORE! This class will prepare your toddler for the transition into our summer camp program (PBJC Day Camp)!
Our 2's class is designed to provide our youngest nursery students with a secure and caring environment that will make their first steps away from home, both safe and comfortable. This program of gently structured educational play includes: circle time. Music, story time, snack, cooking, creative arts and crafts, indoor/outdoor play – all done in a supportive and loving way. We are also teaching kids to not consume drugs, there are several ways to fight drug addiction, visit this article Beloved NFL Quarterback Brett Favre Went to Rehab Multiple Times and learn more!
Social and Emotional Objectives for the 2's:
- To deal effectively with separation issues while developing a sense of security.
- To begin to develop sharing and interacting skills with peers by moving from parallel play to group activities.
- To foster awareness of other people's feelings.
- To develop respect for a child's own property, other people's property, and the classroom property.
- To begin to develop self-respect and a positive self-image through positive role modeling.
- To understand the concept of "setting limits" as part of learning self-control.
- To learn to make simple transitions from one activity to another while following the classroom routine.
- To practice using proper and simple manners, i.e. "please, thank you, you're welcome," and taking turns on a regular basis, with an emphasis on learning to cooperate.
- To introduce the concept of personal hygiene.
- To make the child's first preschool experience fun and meaningful while engaging in a positive manner with other children and adults outside of the home environment.
Cognitive and Language Development Objectives for the 2's:
- To develop decision making skills through a variety of learning experiences.
- To respond to simple directions, including classroom rules.
- To understand a daily routine as a part of overall life skills.
- To recognize and identify common objects.
- To rote count to ten.
- To recognize and identify primary and secondary colors.
- To recognize and identify basic shapes.
- Initial discovery of alphabet A, B, C's.
- To provide opportunities for language development through: circle time, singing, story telling, and arts and crafts.
- To develop curiosity about various external stimuli in the classroom.
Fine and Gross Motor Skills Objectives for the 2's:
- To achieve eye-hand coordination through coloring, building with legos and blocks, playing with playdoh, painting, tearing, and stirring.
- To achieve body awareness through walking, running, dancing, jumping, climbing, stretching, throwing, kicking and more exercise that improve the body as for the adults they can improve their body by exercising or with the use of a cosmetic surgery in texas.
Music for the 2's:
Musical experiences will provide children with opportunities to explore their world through sing-a-longs, finger plays, and other musical expressions.
Our 3-year-old program is designed for children who are continuing to develop language classification and fine motor skills. These classes consist of a comprehensive program, which stresses the child's individual development and awareness. By examining the child's own world, to include: nature, the seasons, community, family, etc., children become more aware of themselves and others around them. The program incorporates science, math, cooking, indoor/outdoor play, and arts and crafts activities. Activities are planned in a manner, which help develop responsibility and independence, along with sensitivity toward others.
Social and Emotional Objectives for the 3's:
- To continue the process of fostering self-control, including: respect for property, behavioral limitations, socially acceptable behaviors, waiting turns.
- To reinforce good manners, including: sharing, healthy habits like exercise with a science based six pack program, MMA classes and taking supplements like maeng da, and good personal hygiene. Also staying healthy means to stay out of drugs because it can cause drug addiction. If you know someone suffering from drug addiction please read this article about how to fight drug addiction on First Step Behavioral Health.
- To continue to develop a positive self-respect and a positive self-image through positive role modeling.
- To begin to develop effective work habits while demonstrating cooperation.
- To reinforce classroom rules, safety concerns, and daily routines.
- To develop communication and problem solving skills.
- To follow simple one, and two step directions and work towards developing a longer attention span.
Cognitive and Language Development Objectives for the 3's:
- To recognize and rote count to 25.
- To recognize and identify primary and secondary colors.
- To recognize and identify basic shapes, as well as tracing, painting, and making pictures with shapes.
- To recognize more complicated shapes.
- To enhance language development with vocabulary and word recognition: story recall, definition of seasonal and holiday words, etc.
- To recognize letters of the alphabet and their sounds.
- To recognize child's first name in some form.
- To recognize one-to-one correspondence (one to ten).
- To sort items by amount, size, and color.
- To identify the month, day of the week, type of weather.
- To develop quantitative concepts.
Creative Arts for the 3's:
Art is used as a springboard to foster creativity and self-control. All activities will support and reflect the theme of the day.
Fine and Gross Motor Skills Objectives for the 3's:
- Introduction of the use of scissors.
- To trace letter, numbers, and shapes.
- To learn to color in the lines.
- To hold a crayon or pencil and make short and tall lines.
- To develop an awareness of each body part and know what it does or how it works.
- To utilize a variety of activities to strengthen large and small muscle groups.
- To use playground equipment to enhance physical development.
Our Pre-Kindergarten program is designed to further enhance independence, self-esteem, listening skills, the ability to follow directions, and the child's recognition of his own importance within a group setting. The classes use kindergarten readiness materials to provide a full understanding of the upcoming kindergarten experience in both public and private schools. Mathematical concepts are integrated into the daily class experience. Exposure to: science, nature, creative expression, imaginative storytelling, cooking, nutrition, social studies and indoor/outdoor play, all work toward developing the very best in each child. The program also promotes each child to grow in his/her social development, encouraging consideration of others, self-sufficiency, and self-discipline in a happy and productive setting.
Social and Emotional Objectives for Pre-K:
- To foster positive problem solving skills while expressing needs and feelings toward others (peers and authority figures).
- To improve self-reliance skills such as: personal hygiene needs, ability to wipe and clean themselves properly, and the encouragement of more independence.
- To demonstrate respect and concern for other children, adults, authority figures, all property (personal and general).
Cognitive and Language Development Objectives for Pre-K:
- To organize and recall information retrieved through observation and listening skills.
- Increased opportunities for language facilitation where the child is an active participant in developing language through meaningful experiences.
- To incorporate daily routines without the need for ongoing teacher reminders.
- To expand vocabulary usage.
Reading Readiness for Pre-K:
- To associate sounds with the corresponding letters.
- To distinguish words that begin with the same sound and/or sound the same.
- To begin to develop a sight vocabulary.
- To develop a basic level of listening comprehension.
Writing Readiness for Pre-K:
- To hold writing instruments with correct grip, position, and control.
- To develop an ability to hold a pencil correctly.
- Introduction to writing of upper and lower case letters, including, but not limited to the child's first name.
- To define the space differences between upper and lower case letters.
- To write numerals 1-10.
Math Readiness for Pre-K:
- To recognize number concepts.
- Rote counting to 100.
- To begin to identify patterns.
- To identify size differences, sequencing of objects by size, categorizing of objects.
- Review of geometric shapes.
Creative Arts for Pre-K:
- The art process will sharpen children's observation skills through exposure to the elements of art.
Fine and Gross Motor Skills Objectives for Pre-K:
- To use scissors properly through appropriate grip and more detailed cutting.
- Tracing of more intricate designs and patterns.
- Continued development of writing skills.
- Continues awareness of body parts and how they work.
- More variety of activities to strengthen large and small muscles.


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Sensei Paul Evans started training at the age of 10. Like Shihan Iain he started his karate training under Sensei Bernard Creton.
Sensei Paul open his Bridgend dojo in 2000, this dojo continues to thrive under his leadership.
Sensei Paul has competed in many clicker and kata tournaments over the years, some of his achievements are listed below:
1997 - WKKDKJK Senior High grade 1st place.
1996 - KKDKJK - 1st Place.
1992 - BKDKJK - 2nd Place.
1991 - BKDKJK - 3rd Place.
1990 - Welsh Karate Federation - 1st place
Sensei Paul is the Branch Head for Wales for the IKKU.

subset: commoncrawl


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Financial Aid
Please also see:
McMinnville Campus Financial Aid
Portland Campus Financial Aid
Online and Continuing Education Program Financial Aid
Helping students enroll in and graduate from Linfield College is the mission of the Office of Financial Aid. Financial aid is based on the financial situation of the student and family. Over ninety percent of the students attending Linfield receive some form of financial assistance. Seventy percent of the students attending receive financial assistance based on their financial aid eligibility, or "financial need."
Academic scholarships are available to the best-qualified applicants each year. Linfield offers several different academic scholarships, explained in the section headed "Academic Scholarships for First-Year Students or Transfers." Athletic participation is not considered in the awarding of any financial aid.
Financial aid is available after determining a student's financial aid eligibility. These financial aid types are explained in the section headed "Need-Based and Non Need-Based Financial Aid." Eligibility for and packaging of need-based and merit financial aid will be comparable for students admitted under Early Action and Regular Decision admission programs.
The Linfield Office of Financial is located on the McMinnville campus and processes financial aid for all three campuses – Mc- Minnville Campus, Online and Continuing Education Programs, and Good Samaritan School of Nursing Portland Campus.
Linfield Legacy Awards of $500 will be awarded to new students (freshman or transfer) who list family members who attended Linfield College on their application for admission. Linfield Legacy Awards of $1,000 will be awarded to new students (freshman or transfer) who currently have a sibling enrolled at Linfield College. For the remainder of the sibling's enrollment he/she will also receive the Linfield Legacy Award of $1,000 per academic year. (Incoming students will have up to $1,000 of Linfield Legacy Award.)
Academic Scholarships for First-Year Students
Linfield offers a number of academic scholarships to entering first-year students attending full time. The scholarships are for undergraduate study only, and are awarded on a semester-by-semester basis for the first eight semesters of a qualified student's full-time attendance, as defined by a minimum of 12 credit hours per semester. These scholarships are awarded regardless of financial need. Eligibility begins at a 3.200 high school weighted GPA and is determined at the time of admission, and other factors including board scores, either the SAT Reasoning Test or ACT exam, and strength of schedule will be used to determine scholarship eligibility. To receive priority consideration for all merit scholarships, the student's application for admission must be complete by the priority deadline. Students must meet Satisfactory Academic Progress (SAP) for renewal of awards listed in this section, explained in the Section headed Satisfactory Academic Progress.
Linfield Merit Award
Students who are Finalists in the National Merit Scholarship Corporation Program, and who list Linfield as their first choice college, and are eligible for a college sponsorship through National Merit, will be awarded a Linfield Merit Award. The amounts range from half tuition on a no-need basis, to full tuition with sufficient financial need. The award is guaranteed through the sophomore year, and renewed for the junior and senior years if the student maintains a 3.350 Linfield cumulative GPA, is a full-time student, and applies for renewal of financial aid in a timely manner.
Linfield Scholarships
Linfield Scholarships are available for a selected number of outstanding incoming freshman students attending full time, at least 12 credits per semester. Scholarship decisions are based on the student's academic record including grades, test scores and strength of schedule. Information submitted on the Application for Admission to Linfield is used to determine scholarship eligibility. A separate application is not required. At some point Linfield may change this award to a Linfield Endowed Scholarship for the same award amount and with similar renewal criteria. A portion of Linfield's institutional dollars are funded by over 200 endowed scholarships. Below are the amounts and names of the Linfield Scholarships:
|$22,500 and $23,500
|Linfield Trustee Scholarships
|$20,500 and $21,500
|Linfield Presidential Scholarships
|$18,500 and $19,500
|Frances R. Linfield Scholarships
|$16,500 and $17,500
|Linfield Faculty Scholarships
|Linfield Achievement Awards
Eligible students may receive ONE of the above academic scholarships.
Linfield Academic Competitive Scholarships
Department-sponsored competitions for prospective first-year students are held on the McMinnville Campus. Participation is by invitation only. For students applying fall 2017, the completed application for admission and the Academic Competitive Scholarship Application form must be submitted by December 1, 2016. Invited students can compete with the opportunity to win a scholarship, ranging from $12,000 - $20,000. Each award is distributed equally over eight semesters of attendance. For example, for a $20,000 award, a student will receive $5,000 for the first year and each of the following three years. A Competitive Scholarship may be received in combination with one of the other academic scholarships.
Music Scholarships
The Music Department offers scholarships available by audition for music majors and minors (Music Achievement Awards) and majors, minors and non-majors (Music Participation Awards) who attend full time. Auditions enable the Music Department to recognize and provide scholarship assistance to students who have had successful participation in music. Eligible applicants must have applied for admission. Students intending to major or minor in music will be considered for both Music Achievement and Participation Awards. Students not intending to major or minor in music will be considered for Music Participation Grants only. Music Participation Awards are $2,000 per year for students with special talent in music upon the recommendation of the Music Department. Music Achievement Awards range from $5,000-$6,000 annually and are renewable based on continued participation in music performance and a recommendation from the Department of Music. Interested students will be required to audition either in person or by CD/DVD by February 15, of each year. The Music Achievement Awards are distinct and separate from the Linfield Competitive Scholarships offered by the Department of Music, and students are encouraged to apply for both. For more information, please contact the Linfield College Department of Music at 503-883-2275. Please note that the Music Achievement Awards are only available to students attending the McMinnville Campus and will not be replaced if a student moves to the Portland Campus.
The above-listed scholarships will be effective for first-year students entering Linfield in the fall of 2015 or later. All students who were awarded scholarships prior to the fall of 2015 will continue to receive the awards they entered with and will be required to maintain eligibility for those scholarships based on guidelines outlined in the Linfield Course Catalog of the year the student entered.
Academic Scholarships for Transfers
Transfer Scholarships
Admitted transfer students with at least a 3.000 transferrable GPA will automatically be considered. Transfer Scholarships are awarded to selected McMinnville Campus students who have attended two- or four-year accredited colleges and universities. No separate application is required and students will be eligible for the following awards:
|$23,500 Transfer Scholarship
|$21,500 Transfer Scholarship
|$19,000 Transfer Scholarship
|$17,000 Transfer Scholarship
Information submitted in the Application for Admission to Linfield is used to determine scholarship eligibility. Semesters attended at another college count towards the eight semester maximum eligibility for this scholarship. Students must meet Satisfactory Academic Progress (SAP) for renewal of awards listed in this section, explained in the Section headed Satisfactory Academic Progress.
Honor Society Scholarships
Members of Phi Theta Kappa (two-year college honor society) or Alpha Gamma Sigma (California Community College honor society) are eligible for an honor society scholarship up to $3,000.
Consideration for the honor society scholarship is given to admitted transfer students with at least a 3.000 cumulative college GPA. No separate application is required; however, please notify the Office of Admission or Financial Aid that the honor society membership is current. Entering freshmen students are not eligible to receive this scholarship.
The honor society scholarship is renewable each year at the same dollar amount if the student maintains a 3.000 Linfield cumulative GPA and applies for renewal in a timely manner.
Students are not eligible to receive multiple honor society scholarships if they are members of more than one honor society. Students receiving either a Transfer scholarship or a Chemeketa Scholars at Linfield scholarship are eligible to receive an honor society scholarship.
Chemeketa Scholars at Linfield Scholarship
Students participating in the Chemeketa Scholars program at Chemeketa Community College will be considered for a Chemeketa Scholars at Linfield Scholarship. Consideration for the Chemeketa Scholars at Linfield Scholarship is given to admitted transfer students with at least a 3.000 cumulative college GPA. No separate application is required; however, the Office of Admission or the Office of Financial Aid will verify participation in the Chemeketa Scholars program. The award is $19,000 annually (minimum) and is renewable at the same dollar amount for two years of continuous full-time enrollment at Linfield. Up to 10 Chemeketa Scholars at Linfield Scholarships are available annually. Students will not be eligible to receive both a Transfer Scholarship and a Chemeketa Scholars at Linfield Scholarship.
Need-Based and Non Need-Based Financial Aid
Financial aid is available from sources other than scholarship aid. Many students who do not qualify for academic scholarships still receive financial aid in the forms of grants, loans, or work opportunities.
To apply for financial aid at Linfield students must complete the Free Application for Federal Student Aid (FAFSA®), available online at www.fafsa.gov, and release the results to Linfield by listing Linfield on the FAFSA®. The Linfield federal school codes are:
003198 McMinnville Campus and Online and Continuing Education
003198 and E00614 - Portland Campus
The FAFSA® form collects information to determine and calculate the Expected Family Contribution (EFC). The EFC is a dollar amount that is an evaluation and estimation of the family's financial strength. The EFC is compared to Linfield's annual cost of attendance (COA). The student's EFC is subtracted from the student's COA to determine the student's "need" for need-based financial aid. Linfield will determine the amounts of grant, loan, and work that can be offered to students with need and to students that do not have need. Linfield, the U.S. Government, and the State of Oregon all offer sources of financial aid that Linfield can award if the student meets the eligibility requirements. Students must meet Satisfactory Academic Progress (SAP) for renewal of awards listed in this section, explained in the Section headed Satisfactory Academic Progress.
Linfield Sources of Financial Aid
Talent Awards
Awarded, based on need, to full-time undergraduate students with special talents in activity areas of theatre, forensics and journalism.
Linfield College Grants
Awarded to full-time undergraduate students based on financial need. The Linfield College Grant is renewed for up to nine semesters provided the student meets Satisfactory Academic Progress and has financial need.
International Student Scholarships and Grants
A limited number of scholarships and grants are available to full-time undergraduate international students. Each applicant is considered individually on the basis of prior academic achievement, financial need, and anticipated contribution to Linfield's campus and community life.
International Trustee Scholarships are awarded to superior first-year students who meet Linfield's highest academic standards. Financial need is also considered in the awarding of these scholarships.
International Faculty Scholarships are awarded to first-year students with an excellent academic record. Financial need is also considered in the awarding of these scholarships.
International Tuition Grants may be awarded to first-year students who apply for financial aid if they are also able to provide documentation of good academic achievement.
International Transfer Scholarships may be awarded to academically well-qualified students who have completed some university-level coursework elsewhere and now intend to complete the Bachelor's degree requirements at Linfield.
Endowed and Special Scholarships
Endowed and other scholarships are sources of student financial aid made possible through the generosity of friends of the college. Scholarships are awarded from the annual income of funds donated in perpetuity, often as a memorial or recognition of a special person. They are administered by the Director of Financial Aid. These scholarships have been made possible by alumni and other friends closely related to Linfield. It is hoped that some recipients of this generosity, later and when circumstances permit, will decide to aid others by continuing such scholarships for the benefit of students of future generations. No separate application forms are required for these scholarships. All students who apply for financial aid are automatically considered for each of the scholarships, in accordance with the wishes of the donors and college policies relating to financial aid. At some point Linfield may replace a Linfield Scholarship or Linfield College Grant with these funds.
Federal Sources of Financial Aid
The Federal Pell Grant, Iraq and Afghanistan Service Grant (IASG), Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal TEACH Grant (TEACH Grant) are all grants that are awarded to eligible undergraduate students at Linfield, who do not have their first bachelor's degree, that meet the student eligibility criteria based upon completion of the Free Application for Federal Student Aid (FAFSA®), www.fafsa.gov, and other student eligibility criteria that Linfield will confirm upon enrollment. Grants are often called "gift aid" because they are free money – financial aid that does not have to be repaid.
Federal Pell Grant
Eligibility for this need-based federal grant program is determined upon submission of the FAFSA®. Award amounts are determined by federal law. The Federal Pell Grant amount is contingent on federal legislative funding. You will be notified on your Free Application for Federal Student Aid (FAFSA®) output document if you are eligible for a Federal Pell Grant. The final amount of your Federal Pell Grant offered from Linfield is calculated each semester based upon your Expected Family Contribution (EFC) that is calculated from your FAFSA®, the number of credits you are taking each semester at the census date, your program, and Linfield's cost of attendance. You are not eligible to receive Federal Pell Grant from more than one college for the same period of time. The Office of Financial Aid will utilize information from the federal government to monitor annual and maximum Federal Pell Grant eligibility. The annual amount must not exceed 100% of the scheduled award and the maximum lifetime eligibility used must not exceed 600%. The Office of Financial Aid will review transfer students Federal Pell Grant history to ensure that the student stays within the annual and aggregate maximum eligibility when determining award amounts per semester.
Iraq and Afghanistan Service Grant (IASG)
Eligibility for this non-need based federal grant program is determined upon submission of the FAFSA® and whose parent or guardian died as a result of military service in Iraq or Afghanistan after September 11, 2001. Award amounts are determined by federal law and additional conditions apply. Student must not be Federal Pell Grant eligible.
Federal Supplemental Educational Opportunity Grant (FSEOG)
Eligibility for this need-based campus-based federal grant program is determined upon submission of the FAFSA® and federal funds awarded to Linfield. These grants are administered through Linfield according to government standards and are awarded to students who have exceptional financial need as determined by the Office of Financial Aid.
Federal Teacher Education Assistance for College and Higher Education Grant (TEACH Grant)
This non-need based grant is available to Linfield education and pre-education majors who plan to become elementary or secondary teachers. Students who receive a TEACH Grant must complete a service obligation by serving as a highly-qualified teacher in a designated high-need field at a low-income school for four years within eight years of completing a TEACH Grant eligible program. Failure to complete teaching service will result in the TEACH Grant being converted to a Direct Unsubsidized Stafford Loan with retroactive interest, which would then require repayment. Students must complete a FAFSA®, maintain a 3.250 GPA, complete TEACH Grant Initial and Subsequent Counseling, and TEACH Grant Agreement to Serve (ATS) annually. The TEACH Grant amount is up to $4,000* annually.
*Due to the Budget Control Act of 2011 (the sequester law) across-the-board budget cuts reduced the amount of TEACH Grant awards. TEACH Grant award amounts will be $3,728 for any award disbursed on or after October 1, 2015 and before October 1, 2016, and will be reduced to $3,724 for any award disbursed on or after October 1, 2016 and before October 1, 2017.
Federal Work Study (FWS)
Eligibility for this need-based campus-based federal program is determined upon submission of the FAFSA® and federal funds awarded to Linfield. FWS is a federally funded program allowing student participants to work and earn money towards their educational expenses. The FWS program encourages community service work and work related to the recipient's course of study. On-campus employment opportunities include jobs such as library assistants, laboratory and research assistants, clerical assistants, dining hall personnel, and campus maintenance workers. Off-campus employment opportunities will usually be in a private nonprofit organization or a public agency, and the work performed must be in the public interest. Individual awards are made by the Office of Financial Aid. Students are responsible to their work supervisors for hours and performance, and required to stay within award limits.
Federal Perkins Loan (Perkins) - Formerly National Direct/Defense Student Loan
The Federal Perkins Loan is a low-interest, 5% fixed interest rate always, federally subsidized loan, no loan fees, for students with exceptional financial need and also offers a variety of forgiveness and cancellation options. Eligibility for this need-based campus-based federal loan program is determined upon submission of the FAFSA® and federal funds awarded to Linfield. A loan is money that requires repayment with interest. Perkins is awarded to students with exceptional financial need as defined by the Office of Financial Aid. The maximum amount an undergraduate may borrow per award year is up to $5,500. A student may borrow up to an aggregate loan limit of:
A $11,000 for any student who has not completed two academic years of undergraduate work.
B.$27,500 for an undergraduate student who has completed two academic years and is pursuing a bachelor's degree (this total includes any amount borrowed under the Perkins program for the first two years of study).
Repayment begins nine months after the student graduates or leaves school for other reasons. Students must repay this loan to Linfield. Linfield contracts with Educational Computer Systems Incorporated (ECSI) for servicing of the Federal Perkins Loan. Up to ten years are allowed to pay back the loan. During the repayment period students are charged five percent interest on the unpaid balance of the loan principal. No payments are required for up to three years while a student serves in the Armed Forces, in the Peace Corps, VISTA, or any similar non-profit organization, such as a Public Health Service Officer, or while the borrower is totally, temporarily disabled. Repayment may be deferred up to two years if the student is engaged in an internship required before entering a profession.
There are loan cancellation provisions for borrowers who go into certain fields of teaching, the Peace Corps, specified military duty or law enforcement.
The Federal Perkins Loan Program Extension Act of 2015 extends the Federal Perkins Loan Program through September 30, 2017 for eligible undergraduate students, and will allow current and new undergraduate borrowers to complete the 2017-2018 academic year with the support of the Federal Perkins Loan. Requires that institutions exhaust a current Perkins Loan borrower's eligibility for Subsidized Federal Direct Loans prior to awarding any Perkins Loan. For new borrowers utilizing the program, institutions must also exhaust all Unsubsidized Federal Direct Loans before utilizing Perkins Loans. Borrowers may decline their Direct Loans and still receive Perkins as long as the Direct Loans are considered in the eligibility calculations. Borrowers who receive their 2017-2018 Perkins Loan funds first disbursement by September 30, 2017, can have the remainder of their award disbursed up until June 30, 2018, if still eligible, even though the Perkins program officially ends September 30, 2017.
Federal Direct Stafford Loans
Eligible students may borrow Federal Direct Stafford Loans to help pay for their cost of higher education at Linfield. Linfield participates in the William D. Ford Federal Direct Loan Program. Loans from this program are referred to as Federal Stafford Loans, Federal Direct Loans, or Direct Stafford Loans. Regardless of what name is used, they are the same federal loan program. Within the Federal Direct Stafford Loan Program there are Subsidized and Unsubsidized types of loans. Both types of loans are low-interest loans for eligible students originated by Linfield with funds from the federal government to help cover the cost of higher education. A loan is money that requires repayment with interest. The loan is in the student's name only. The student must repay the federal government through their assigned federal servicer. A FAFSA® is required annually to determine student's eligibility. The student must file a Free Application for Federal Student Aid (FAFSA®) at fafsa.gov, and must be an U.S. citizen or eligible noncitizen, must not be in default on any federal education loans or owe an overpayment on a federal education grant, and must meet other general eligibility requirements for the Federal Student Aid programs. Students must be attending at least half time (6 credits) in order to be eligible. After the student accepts the loans on their award letter, new borrowers are required to complete Entrance Counseling (subsidized/unsubsidized) and the Master Promissory Note at studentloans.gov prior to disbursement. Linfield will notify the federal government that the student intends to borrow the loan, called origination, and the student will receive a loan disclosure statement and will be assigned a federal servicer for managing the loan and repayment. Linfield disburses the loan funds at the beginning of each semester for eligible loans.
Upon the student graduating, withdrawing, taking a leave of absence or dropping below 6 credit hours, the student is required to complete Exit Counseling at studentloans.gov. Repayment normally begins after the six month grace period has expired, which begins after graduation, falling below half time status or leaving school. Repayment is typically calculated based on a 10-year repayment plan, the Standard plan. There are several repayment plans students may choose from when preparing to enter into repayment. Students may apply for deferments or forbearance if their Federal Direct Stafford Loan is in good standing and they qualify through the federal servicer. Their loan may be cancelled only if the borrower is totally and permanently disabled or dies. Other loan forgiveness and cancellation options may be available by contacting the federal servicer.
Federal Direct Stafford Loans must be repaid. The loan may be cancelled only if the borrower is totally and permanently disabled or dies. Payments normally begin after the six month grace period has expired, which begins after graduation, falling below half time status or leaving school. Repayment is typically calculated based on a 10-year repayment plan, the Standard plan. There are several repayment plans students may choose from when preparing to enter into repayment. Students may apply for deferments or forbearance if their Federal Direct Stafford Loan is in good standing and they qualify through the Direct Loan Servicer.
Federal Direct Stafford Loan Annual and Aggregate Limits
Dependent students may borrow the annual maximum "base" Federal Direct Stafford Loans as an undergraduate per academic year, which is $3,500 for first-year students, $4,500 for sophomores and $5,500 for juniors and seniors. The "base" amount could be Subsidized or Unsubsidized or a combination of both, depending on the students need and eligibility. The "base" aggregate total a dependent student may borrow for undergraduate study is $23,000. In addition to the "base", dependent undergraduate students are eligible for Additional Unsubsidized Stafford Loans of $2,000 a year. Thus, the total aggregate maximum is $31,000 (no more than $23,000 can be in Subsidized) for a dependent undergraduate student.
Independent students may borrow the annual maximum "base" Federal Direct Stafford Loan as an undergraduate per academic year, which is $3,500 for first-year students, $4,500 for sophomores and $5,500 for juniors and seniors. The "base" amount could be Subsidized or Unsubsidized or a combination of both, depending on the students need and eligibility. The "base" aggregate total an independent student may borrow for undergraduate study is $23,000. In addition to the "base", independent undergraduate students are eligible for Additional Unsubsidized Stafford Loans of $6,000 a year for freshman/sophomore and $7,000 for junior/senior. Thus, the total aggregate maximum is $57,500 (no more than $23,000 can be in Subsidized) for an independent undergraduate student.
Federal Direct Stafford Loan Interest Rate and Fees
Interest rates are "fixed-variable" and are set each July 1,with a cap of 8.25%, and are fixed for the life of the loan. For 2017- 2018 the interest rate is set at 4.45% for loans first disbursed between July 1, 2017 – June 30, 2018.
Loan fees apply, for example a 1.069% loan fee applies at the time of disbursement for any loans disbursed on or after October 1, 2016 or before October 1, 2017.
Subsidized Federal Direct Stafford Loan
Subsidized Federal Direct Stafford Loans are for students with financial need. Linfield's Office of Financial Aid will review the student's results from the FAFSA®, such as the FAFSA® result figure called the Expected Family Contribution (EFC), such as EFC, and the students COA to determine the student's need and the amount the student is eligible to borrow. COA-EFC=Need.
The federal government subsidizes the interest on Subsidized Federal Direct Stafford Loans on behalf of students while they are enrolled at least half time in an eligible program at an eligible school, through their 6-month grace period and during other deferment periods based on need. A law passed in December 2011 eliminates the interest subsidy during the 6-month grace period on any loans that had a first disbursement made on or after July 1, 2012, and before July 1, 2014.
Unsubsidized Federal Direct Stafford Loan
Students who do not show financial need, and therefore may not borrow under the Subsidized Federal Direct Stafford Loan Program, may borrow funds through the Unsubsidized Federal Direct Stafford Loan Program. Students who borrow under this loan program are responsible for all interest accrued during periods of enrollment, their grace period and through repayment. Students can choose to pay the interest while in school, during grace periods and deferment or forbearance periods, or students can allow the interest to accrue and be capitalized (that is, added to the principal amount of the loan). If students choose not to pay the interest as it accrues, this will increase the total amount they have to repay because they will be charged interest on a higher principal amount.
Federal Direct Parent PLUS Loan (PLUS Loan)
Eligible parents may borrow a Federal Direct Parent PLUS Loan on behalf of their dependent undergraduate student enrolled at least half time at Linfield College. Funds are loaned by the U.S. Department of Education and Linfield originates the loan. Loan funds must be repaid with interest. Parents and their dependent child must be U.S. citizens or eligible noncitizens, must not be in default on any federal education loans or owe an overpayment on a federal education grant, and must meet other general eligibility requirements for the Federal Student Aid programs. The student must file a Free Application for Federal Student Aid (FAFSA®). The parents on the FAFSA®, or the legal non-custodial parent (adoptive or biological parent) not on the FAFSA®, who meet eligibility for this loan may apply. Linfield requests the parent borrower to complete and submit a Federal Direct Parent PLUS Loan Request form to the Office of Financial Aid so that the credit check can be completed as required.
For each dependent undergraduate daughter or son, parents may borrow up to the student's estimated cost of attendance, less any other financial aid the student may receive for the period of enrollment the student is enrolled in for the academic year. Parents with no adverse credit may borrow Federal Direct Parent PLUS Loan funds to pay the education expenses of their child. Parents whose credit decision is approved will receive a disclosure statement from their assigned federal servicer. Parents are directed to complete the Master Promissory Note at studentloans. gov. Parents with adverse credit history may be able to qualify for the PLUS Loan by appealing the credit decision at 800.557.7394 or obtaining an endorser. In situations where a PLUS loan borrower's credit decision is declined, and the parent either obtains an endorser or gains approval to overturn the credit decision via documenting their existence of extenuating circumstances, PLUS Loan Counseling is required at studentloans.gov prior to disbursement. For parents not eligible to borrow a PLUS Loan, another option is the student may qualify for an additional unsubsidized Federal Direct loan, either $4,000 for freshman or sophomore grade level or $5,000 for junior or senior grade level.
Linfield disburses the loan funds at the beginning of each semester for eligible loans. Repayment normally begins within 45- 60 days of the final disbursement of the PLUS Loan for each loan made. The parent borrower may request deferment of payment while the student is enrolled at least half time in an undergraduate program from their federal servicer. Interest would continue to accrue during this time.
The PLUS loan interest rate is a "variable-fixed" rate which is set annually on July 1, and fixed for the life of that loan. For 2017-2018 the interest rate is set at 7.00% for loans first disbursed between July 1, 2017 and June 30, 2018. A loan fee applies at the time of disbursement, for example a 4.276% loan fee applies at the time of disbursement for loans disbursed on or after October 1, 2016 and before October 1, 2017.
The parent borrower has several repayment plan options for repaying the loan. If the parent chooses the Standard Repayment Plan they have up to 10 years to repay the loan. The parent may request deferment of payments for up to four years during the time the student is actively enrolled at least half time in an undergraduate program by contacting their federal Servicer.
Private Education Loan
Private Education Loans are available to students through banks and credit unions to assist students with paying for their cost of education. These loans are not part of the federal loan program. Students may borrow up to the school's estimated cost of attendance, less any other financial aid the student may receive.
Oregon Sources of Financial Aid
Oregon Opportunity Grants
The Oregon Opportunity Grant is administered by the Oregon Office of Student Access and Completion (OSAC). Oregon residents filing a FAFSA® are automatically considered if the student lists an eligible Oregon college and meets the OSAC eligibility criteria. Oregon students not eligible to file a FAFSA® can complete the Oregon Student Aid Application (ORSAA). Visit oregonstudentaid. gov for more information.
Application Procedures for Financial Aid
Prospective students who complete the Linfield Application for Admission and are admitted to the college are considered for academic scholarships. Students applying for need-based financial aid or federal loans must complete the Free Application for Federal Student Aid (FAFSA®). The FAFSA® is available online at www.fafsa.gov. Students at Linfield are eligible for financial aid regardless of race, sex, or marital status, in compliance with Title IX requirements.
Notification of Awards
The Office of Financial Aid will send notification of awards after the student has been admitted and all financial information has been received. Financial aid will be disbursed to the student account at the start of an academic semester as long as the student has completed all the necessary paperwork and meets eligibility criteria for the award. Pell Grant awards are disbursed after the census date of each payment period.
Financial Aid Refund Policy
Refunds for students who withdraw from Linfield before the end of a semester will be computed in accordance with the refund table presented in the Costs section of this catalog if the student submitted all required documentation within the prescribed timelines (as set forth in Costs section), and financial aid was applied to the student account. Failure to meet the requirements as set by Linfield may result in the refund table not reflecting the cash amount that will be returned to the student. Financial aid will be refunded to certain aid accounts from which it was drawn based on a prescribed Return of Title IV Funds policy. Students who withdraw are subject to Satisfactory Academic Progress policy. Students are responsible for paying Linfield if the refund results in the student owing a balance on their Student Account.
Renewability of Aid
Each year students must submit new applications for financial aid to qualify for any assistance program. Currently enrolled Linfield students requesting renewal of their scholarship, student employment, need-based aid, as well as federal student loans, will need to submit the Linfield Application for Financial Aid (LAFA) on WebAdvisor, as well as the FAFSA® (or ORSAA) annually. Students receiving an academic scholarship and/or student employment are required to submit the Linfield Application for Financial Aid (LAFA). Renewal depends on academic performance, the reestablishment of financial need, or both. Aid may be increased or decreased, depending on the annual financial need analysis and meeting prescribed priority dates. Aid may be withdrawn if a student fails to make Satisfactory Academic Progress, fails to report financial aid from sources outside Linfield College, owes a refund on a federal or state grant, or is in default on a student loan.
Priority dates are established by the Office of Financial Aid each year and students will need to meet these dates to ensure the best opportunity for renewal of scholarships and financial assistance.
Short-Term Loan Programs
The short-term loan program is available to regularly enrolled students to assist with educational expenses during the year they borrow the funds. These loan funds require repayment prior to the start of the next academic year, or, for graduating seniors, prior to graduation. Linfield employees are excluded from borrowing these loans, unless they are enrolled in courses and are eligible. These funds are managed and awarded jointly by the offices of Financial Aid and Accounting.


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Welcome to the fourth installment of character notes! The next part will be about high-level Sorcnon officials.
Anyway, the characters I'll be looking at this time are King Arveil Eaglus, Advisor Hilvan Aruum and the Citacron. There will be spoilers.
First up is Hilvan Aruum. I really wanted to make him more of a presence within the story, but I found it hard to tie into Selaf's tale. He would have been the main antagonist of Book 2 if book two followed Hallas.
As it was, I tried to give him presence by having him be the one to give a speech in Thalliance and by having Hallas point to him as the main cause of the war. I wanted to give a bit of hope that the King might be more reasonable. Overall, I'm a bit sad that he wasn't built up enough.
Now then, for the main antagonist of the book, King Arveil Eaglus. *crowd cheering noises*
From all I've revealed about Thalliance, how they are steeped in tradition, I wanted the King Eaglus to be the most traditional of them all. He believes in the old alliance about how all three nations were one Kingdom. To him, the war is more of a civil war rather than an invasion. He believes he is strengthening the entire kingdom, and he may or may not be right overall. It's not like there is something beyond Aarhsolm that might invade or something.
Now why did I decide to have him survive? Probably due to not coming up with a situation where having him dead wouldn't turn the entire island into a warzone. Keep in mind that he is a King with the popular support of the people. The people of Thalliance support uniting all the nations.
And I wanted to show that King Eaglus was smart and had self-control. He's not about to needlessly throw away his powers. I had him say to know when to give up, and I had him live up to those words. Besides, he could still have some interesting things to do in the future if I want to continue the story of Feast of the End.
Now for the Citacron. I wanted their name to evoke Citadel Knights, like how Templars are Temple Knights and Paladins are Palace Knights. Those definitions may or may not have been made up by me, but that's the reason for the Citacron. The original group name went through several revisions before I finally set upon the current name. I can't even remember all of them.
I wanted the Citacron to be an entity rather than individuals, which was why I never referred to them by name even though I did give all of them names. I did base most of their looks on Dark Souls armors. Here is the list of them.
Sharius, one of the knights that accompanies King Eaglus into Anmaul. He is the one that is also a wizard. His sword acts as his staff.
Imers, the other knight that goes into Anmaul. He is the one with the axe and shield.
Horia is the knight with the penants on his back. He is a bit of a preacher and gives inspirational speeches.
Resil is the lone female of the Citacron. I did have a history in which there is always eight members of the Citacron and one of them is always female due to a warrior maid that saved the King many years ago.
Oracon, the tall knight that faced the Anthelia Maiden. I decided to make him the silent type.
Gion is the wild one of the bunch. Out of all the knights, he is the one that likes to fight the most. I have not decided if he is dead or not.
Drael is the one with the sniper and the only one of the Citacron that uses modern weaponry. I wanted guns to remain the most dangerous weapon even in the face of magic and monsters so I made him a hidden sniper type. He may or may not still be alive.
That's all for the Citacron! I had a lot of fun making up eight of them. See you next time.


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Web Designing
As an innovative web designing team, all of our websites are crafted by designers and developers who are passionate about creating cutting-edge websites. We specialise in branding, Drupal ecommerce, bespoke brochure websites and B2B / B2C web applications.
We provide in-house services to handle all regular aspects of building a website, from initial design and logo development to content management applications for sites of all sizes ranging from single pages, blogs and small business sites to full scale corporate websites. We are able to build fully content managed websites using a CMS system which you can maintain yourself. For more advanced websites with very specific requirements we can develop a full web based application to suit your needs.
We build beautiful, user-friendly websites that engage with your visitors and provide a real return on investment. Whether it's a simple brochure website to market your services or an ecommerce website selling thousands of products to across the globe, we produce visual design that makes you stand out from the crowd.
We use the latest technologies at our disposal to design and deliver high-end websites that perform on any device – be it desktop, tablet, mobile. Unlike other agencies, we don't put a middle man between you and our team; contact us any time to talk directly to the designers and developers who'll be working on your project. Request a free quote today to get started.
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On May 1, 1967, at about 6:45 pm, 14-year-old Nikki Alexandra Benedict was found stabbed to death in a field across from 12784 Poway Road. Homicide investigators believe she was attacked near an access road located 75 yards West of where she was initially found. The case remains unsolved.
Anyone with information on this case is asked to contact Crime Stoppers at: (888) 580-8477.
For more information visit Facebook page: Nikki Alexandra Benedict


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Central Cycle
Central Cycle includes all of the bicycle programs and services offered by UCO Transportation and Parking Services. Additionally, there are various services within UCO and Edmond that promote and enhance bicycling as a means for alternative transportation to and within UCO's campus. See the tabs on the left for more details information regarding the bicycle services offered.
Bicycle Safety: Habits of Highly Effective Cyclists
(Adopted from okcbike.org)
- Know and obey bicycling laws, including stopping at stop signs and red lights.
- Wear helmets on every ride, as well as other safety gear as needed.
- Make themselves as visible as possible: bright colored clothing, headlights and blinking taillights.
- Keep bike maintained and properly adjusted, checking bike prior to every ride.
- Consider route with safety in mine.
- Sufficiently prepare body for ride, drinking plenty of water.


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PR-1161-Denim Concealed Vest with Leather Trim
• Heavy denim with Soft Leather trim
• Single panel back ideal for easy accessorizing with patches and club logos, embroidery or airbrushed artwork.
• 2 inside concealed gun pockets made of special heavy duty textile with built-in holsters and snap closure.
• Reinforced shoulder support for supreme concealing of weapons.
• Heavy duty long lasting inner lining.
• Heavy duty snaps.
• American sizing. Ample length.
Click To Enlarge
- Item #: PR-1161-Denim Concealed Vest wit


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Realising cost effective, quality healthcare and wellness solutions with IoT
CREST Connected Healthcare Cluster was formed to focus on the application of wearable embedded systems, Internet of Things (IoT), and connected devices technology; and the successful commercialisation of healthcare products, solutions and services by the E&E industry. Led by industry, supported by academia and government, flexible wearable embedded systems and connected devices are poised to advance Malaysia healthcare industry into the next plateau of benchmark locally, while opening up new opportunities globally.
Devices and end-to-end solutions that are capable of monitoring all the health vital signs of the users in real-time by healthcare providers and medical professionals anywhere, anytime would soon become a norm. This created a reservoir of local and global market demand and opportunities in connecting thesmart IoT medical devices that are capable of monitoring the condition and well-being of the device users.
In our collaborative partnerships with prominent institutions such as Cambridge University UK, strives to set up an innovation ecosystem for local universities and companies to embark on the research and development (R&D) of a flexible wearable electronics technology, with the intent of infusing a subset of this cutting edge technology into new healthcare products and solutions.
Complementing the technology R&D of industry and academia, CREST also works with medical professionals (doctors, clinicians, etc) and end-users (patients, wellness users, etc) to gain key customer insights, use-cases and medical industry requirements in realising the high quality, cost effective healthcare solutions and services.
If you are interested in creating new healthcare and wellness solutions, email us at firstname.lastname@example.com to join the Connected Healthcare Cluster.


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According to Reference Dictionary, mercerized wool has been treated with a caustic alkali under tension. Once the process is complete, the wool has increased strength and luster, and it accepts color dyes more readily.
John Mercer was a British chemist and textile maker who discovered that adding lye or sulfuric acid to fibers causes those fibers to swell and straighten. This strengthens the fibers and allows color dyes to permeate more easily. He patented the process in 1851.
In 1890, another chemist named Horace Lowe took Mercer's patented process a step further by adding tension to the lye/sulfuric acid-treated fiber. The extra step resulted in greater fiber luster.
The combination of Mercer's and Lowe's experimentation led to what is known as the mercerization process. It is used on many fibers, including cotton and wool.


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How to Decide the Best Way to get the Word Out about Your Business
Well, this question is still open in my mind. I am writing this today to share with you my first attempt at using print media advertising. I wish I could tell you that this choice was well researched, but it was not. For me the decision came down to number of exposures to my services versus cost.
Here is what happened.
I was working on my new website updates one day and I received a call from Bench Craft Company. They asked me if I would be interested in placing an advertisement in the golf course guide they publish and distribute to the Pine Ridge Country Club in Oxford, MA. My curiosity was piqued.
Not wanting to make a bad immediate decision, I told the representative I would give them call back.
I did some legwork and called the golf course to ask them what their thoughts were about the guide. I learned that it goes in every golf bag for every tournament that goes through the Pine Ridge Country Club Golf Course. Not too shabby…
I called the Bench Craft Company back and let them know I was indeed interested. We talked about getting my advertisement on hole #1. Again, still liking this prospect.
All this occurred in October of 2015. So the drawbacks are that I needed to pay out monies long in advance of any potential gain.
Today, I received my copy of what the course guide looks like and my advertisement. This is what prompted my putting together this video.
I plan to be exploring topics related to advertising and marketing for small business and may publish more on this topic.
In the meantime, check out this resource on the SBA.gov website. It gives some insights into how much to allocate to your marketing budget and what components of this spend should look like.
In this case, I let some other force bring this source of advertising to me. However, I believe I did some due diligence to determine if it fit with my purpose. We will see if this was a wise decision after the 2016 golf season.
Thanks for watching and please leave any comments you might have below. I know in the past some people have tried to leave a comment but stopped short when I asked them to create an account. I really do this to prevent spammers from putting their own junk/ads/self-promotions on my website.
So, please, don't let my request for you to sign up stop you from leaving a comment/question or anything else. I review all of these personally and then will publish them under the appropriate article.


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Log in or create an account to save your favorites and create your own brochure.
A part of our wausau originals, the timber ridge floor plan features 1 bedroom and 1 bathroom with a foot print of 47x65'8" feet and 2339 total square feet of living space.
Wausau Homes has a network of highly-qualified new home builders. Find one serving in the area where you'd like to build the home of your dreams.
Search builders by state


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Savvy Shopping Tips for the Holiday Season
With Black Friday, Small Business Saturday, and Cyber Monday upon us, here are some savvy shopping tips from the New York City Department of Consumer Affairs:
• Budget. No one wants to pay for holiday gifts well into the New Year, so take control of your holiday spending budget. Plan ahead, make a list and stick to it, and start shopping early. Watch your bank balance if you use a debit card and your credit limit if you're using a credit card. You'll be less likely to overspend if you pay in cash. With online sites and Smartphone applications, it's easier than ever to find the best price available.
• Shop Small Business Saturday. You can support the local economy and preserve neighborhood character by shopping at local businesses, especially on Small Business Saturday on November 24th. Visit smallbusinesssaturday.com for more information.
• Don't buy counterfeit or "pirated" goods. One in five jobs in NYC is at risk because of illegally downloaded movies, music and books and counterfeit designer goods. They also cost the City millions of dollars in lost tax revenue. Take a stand to protect the jobs of your fellow New Yorkers and buy real products.
• Know the new rules about gift cards and how to protect yourself when buying them. Several new rules about gift cards went into effect in August 2010. For example, gift card funds must now remain valid for at least five years from when the card was purchased or money was last loaded onto it, whichever occurred later, and no inactivity or service fees can be charged if the card has been used within the past 12 months. If a card remains unused for 12 months, then the card holder can be charged one fee a month. If you're buying an "experience" card (like a spa treatment, flight or hotel stay), buy one with a specific dollar value so you can benefit from these consumer protections. "Experience" cards without a specified dollar amount may not be covered by the same protections. Even though there are more fee limitations today, you should still watch out for hidden fees and know that there is no cap on the monthly fee after 12 months of inactivity. Like all purchases, keep your receipts for all gift cards and be sure to protect the cards like cash.
• Check the refund policy. Stores can establish their own refund or exchange policy but it must be displayed clearly where you check out. If they do not post a policy, you have a right to a full refund within 30 days in the same manner in which you paid. If you're shopping online, check if you have to pay for the shipping and if the gift can be returned to a "brick-and-mortar" store nearby. Many retailers, especially electronics stores, charge fees for restocking items returned, particularly in opened boxes. These fees, which vary, must be disclosed. To file an exchange, refund or return complaint or to check to see if an electronics store is licensed, call 311 or visit nyc.gov/consumers.
• Keep your receipts. In NYC, you are entitled to a receipt for purchases over $20. You may also request a receipt for purchases of $5 or more. Receipts must show the total amount paid including a separate statement of tax, date, business name/address, the make/model of the items you bought, and, if applicable, the business' DCA license number. Receipts are your proof of purchase and if you file a complaint about the purchase with DCA, we will need the receipt to mediate your complaint. To file a complaint with DCA, call 311 or visit nyc.gov/consumers. Also ask for gift receipts so the person who receives your gift can take advantage of return and exchange options.
• Protect your personal information from ID theft. Identity theft can be a financially devastating experience, so don't let the hustle and bustle of the holidays distract you from keeping your personal information safe. Never give out your Social Security number, mother's maiden name, or former address in person, over the phone or online. Avoid doing business with retailers that insist you provide any potentially compromising personal information. By law, if a retailer requires a copy of a consumer's personal identification in order to use a credit card, the retailer must disclose that requirement in the store's credit card policy and display it clearly. You can download DCA's Identity Theft Prevention Tips.
• Watch out for scams and false advertising. The holidays mean lots of sales but don't get tricked by bogus ads and sales offers. "Bait and switch" ads that promise too-good-to-be-true savings but aren't actually available when you get there are illegal. Any item listed as "on sale" must also display the pre-sale price clearly. To file a complaint about false advertising, call 311 or visit nyc.gov/consumers. You can also check the complaint history of a business by calling 311 and can download DCA's False Advertising Guide.
• Get a delivery date. Secure a delivery date in writing before you leave a store. If retailers don't specify a "ship by" date for your online purchase, they must ship within 30 days. To file a complaint about a New York City-based business that fails to deliver goods or services, call 311 or visit nyc.gov/consumers.
• Check for recalls. To check if a gift or toy has been recalled, visit the Consumer Product Safety Commission at www.cpsc.gov and click on the recall section.


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Thank you for your interest in viewing our Boudoir portfolio!
In order to respect the privacy of our past clients, our sample images are found in a password-protected gallery on the Client Gallery page. Please contact us for password login credentials.
If you're ready to book or have additional questions, we'll set up a meeting at our studio where you can view sample albums, ask questions and chat details! Of course we are always available to answer questions by email: email@example.com or phone: 860.480.1746.


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Ducati 1000DS
The Ducati 1000DS, the only SuperSport model for 2005, is the definitive synthesis of a family of bikes that have given riders tremendous satisfaction in the past.
Ducati ST2
The Ducati ST2 motorcycle immediately established itself as the first sport touring bike to give serious competition to the BMW R1100RS. Testing the Ducati ST 2 on the expressways and in the canyons of S.California showed the bike to be a near perfect compromise between a sportbike and a touring
Ducati F1 750
This superb Ducati F1 750 SantaMonica is part of a limited edition of bikes built by Ducati in 1987 in celebration of Marco Lucchinellis victory on the SantaMonica circuit at Misano. This series is highly sought after amongst collectors forming the final of three limited edition 750 F1 models. The
Ducati Hypermotard 1100S
Ducati Hypermotard 1100S represents the evolution of the supermoto classes' side. While the original single-cylinder motocross-style hybrids represent the rough and tumble, multi-purpose approach to the motard philosophy, Ducati's creation represents a new era of purpose-built machines that combine
Ducati M1000 DS MONSTER
The Ducati M1000 DS MONSTER is the perfect combination of sporting prowess and strong character. The powerful Dual Spark engine complemented by the exposed trellis frame keep the riders heart pounding at every bend.


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Basic Rules
U.S. persons are taxed in the U.S. on their worldwide income. Foreign persons (nonresident aliens and foreign corporations) are only taxed by the U.S. on income originating in the U.S. In addition, foreign persons are not taxed by the U.S. on certain types of investment income originating in the U.S., such as interest income earned on bank deposits and U.S. nonbusiness capital gains (other than gains on real property). As a result, some U.S. persons may attempt to structure their income earning activities through foreign entities, hoping to take advantage of the differences in the way we tax U.S. persons as compared to foreign persons.
Congress has adopted several complex sets of rules to keep U.S. persons from using foreign entities to defer or avoid U.S. taxes in ways Congress deemed improper. Those sets of rules include special tax consequences for U.S. persons who transfer property to or own the following:
- Controlled foreign corporations (IRC §§ 951-964)
- Passive foreign investment companies (IRC §§1291-1298)
- Controlled foreign partnerships (§ 6038 & § 6038B)
- Foreign grantor trusts (IRC §§ 671-679)


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The Influence of Color Theory
Whether we are developing a new brand identity, updating a website, or laying out an advertisement, color is an integral part of our days. Applying color in a wide array of applications can be challenging and art directors excel at interpretation of color. The art directors at Reuben Rink execute designs for a diverse set of clients every day, and in this blog post we explore the influence color has on their design philosophies.


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Partial old-age pension
The lowest age limit is 61.
Amount of pension
You can take out 25 or 50% of the pension you have accrued until the end of the previous year.
Reduction for early retirement
If you take out your partial pension before you have reached the minimum age for old-age pension, the part that you take will be reduced by 0.4% for every month of early retirement.
Example: if born in 1957, the minimum age for old-age pension is 63 years and 9 months. If the partial old-age pension is taken out at 61, the reduction is calculated as follows: 33 (months) x 0.4% = 13.2%. The reduction is permanent and thus it also affects the final old-age pension.
If you take out your pension after having reached the minimum age for old-age pension, there will be an increase of 0.4% per deferred month.
Calculate an estimate (use your online banking codes)
Submit your application 2 weeks before the start of the pension. Electronic application or pdf form
Working while drawing pension
Working is neither restricted nor required when drawing a partial old-age pension.
If your work input changes, please indicate the amount of your new YEL-income in your pension application.
Read more (pdf)


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Roto-Rooter's Winston-Salem plumbers offer a complete selection of residential and commercial plumbing and drain cleaning solutions 24 hours a day, seven days a week. And because we confidently stand behind all of our services, you can rest assured that our team will fix the problem the first time. Plus, because we work to accurately estimate your costs, we also make it easy for you to budget for the work and plan ahead (when possible).
We encourage homeowners to become familiar with their home plumbing system and to perform regular simple plumbing maintenance. However, sometimes there are situations that require the attention of a professional plumber. When that happens, contact Roto-Rooter Plumbing and Drain Service for assistance 24 hours a day, seven days a week, 365 days a year. Because our team lives and works in the area they serve, our plumbers in Winston-Salem, NC, are always just minutes away.
At Roto-Rooter, our teams are well trained in all aspects of commercial and residential plumbing. Among the services we're called on for most often is water heater installations. We can help you choose the right size and style of water heater for your home or office – and even help you save by selecting one that's energy efficient.
When water doesn't stay where it's supposed to, our Winston Salem water damage restoration experts are at-the-ready to handle flooded basements, broken pipes, overflowing tubs and toilets, heavy rains, sewer line backups and other water issues. Roto-Rooter's IICRC certified water cleanup professionals are available 24 hours a day, 365 days a year and will respond quickly to minimize damage to your property.
Homeowners everywhere have relied on Roto-Rooter since 1935 for honest, professional advice on all types of plumbing and drain cleaning services. Large jobs or small, we do it all:
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Danniella has had film/tv experience since the age of 5. This is due to being influenced by creative parents who both work in the industry; and have thus embedded at a young age this hunger and passion for acting. In 2011 she completed the 3 year Bachelor of Fine Arts Acting course at the renowned Queensland University of Technology. Since Danniella has been working in the Australian industry in many fields but primarily film. Her most recent work has been securing a supporting role in an Australian blockbuster, The Fear of Darkness. Also an underground independent, Radio Treason. She is an active person, fan of the great out doors and traveling. Danniella has been to Croatia, Serbia, South Korean, Dubai and Kenya. She competed in horse riding, soccer, tennis and Taekwondo.
170 cm / 5ft 7in
71 cm / 28in
60 kg / 132 lbs
86 cm / 34in
White / Caucasian
Hair colour:
Skin colour:
Hair length:
Eye colour:
Hair type:
83 cm / 33 in
Dress Size:
8 – 10
- English
- Australian
- USA California
- USA Southern
- French
Accents: Fluent in English, Croatian & Serbian language & Accent, also American Standard & Southern & also French.
Skills: SAFDA Certificate 1 & 2 in Stage Combat, Professional Horse Riding (including Dressage, Show jumping, Cross-Country & Trick Riding), Soccer, Tae Kwon Do (black belt), Lifesaving, Voice Over, Singing, Modeling.
Film Credits:
2015 Short Film Em Cages and Chains Dir. Sam Loefler
2014 Short Film Lola Thread Dir. Helena Sutara
New York Film Academy
2014 Feature Film Nurse Roarke The Fear of Darkness Dir. Christopher
Pandala Productions Fitchett
2014 Short Film Police Officer Doing Time Dir. Luke Mayze
Mr Biggles
2013 Feature Film Catherine Michaels Radio Treaon Dir. Jade Hassett
Powerhouse Media Productions
2012 Music Video Clip Lead Jakarta Criers Dir. Andrew McDonald
2012 Short Film Sophia Backpackers Dir.Maren Peruess
Griffith Production
2011 Feature Film Lilly World War Future Dir.Dale Norton
Just Wing It Productions
2011 Short Film Cassie Forever Dir. Jade Hassett
Griffith Production
Theatre Credits:
2011 Kolya/Katya Month In The Country Dir. Jennifer Flowers
QUT Production
2011 Pia Festen Dir. Sean Mee
QUT Production
2011 Nellie Ewell Summer and Smoke Dir. Leonard Meenach
QUT Production
2010 Margaret Much Ado About Nothing Dir. Jennifer Flowers
QUT Production
2010 Lisa Owners Dir. Egil Kipste
NIDA Production
2010 Adele/Bessie Jane Eyre Dir. Michael Futcher
QUT/Matrix Theatre Production
TVC Credits:
2014 Griffith University
2014 Black Market Flights – Fight Centre
2012 University of the Sunshine Coast
2007- 2010 Spacewalker and Infinity Entertainment.
2008 Kyoto Plant
2007 Telstra
Voice Over Credits:
2014 Griffith University
Cutting Edge
2014 Black Market Flights – Flight Centre
Cutting Edge
2012 University at the Sunshine coast
Voice Plant
2009 Ella for @schoolies.com.au
Credits, Schools & Workplaces
- Crossfire with Dir. Helena Sutara : Penny
- McGregor Workshop : Stevie Ray
- The Fear of Darkness with Dir. Chris Fitchett : Nurse Roarke
- Thread with Dir. Helena Sutara : Lola
- Warmth with Dir. John Busak : All Voices
- Doing Time with Dir. Luke Mayze : Police Officer
- Christopher Sommers : Private acting classes and mentoring
- Radio Treason : Catherine Michaels
- Backpackers with Dir. Maren Preuss : Sophia, lead.
- Jakarta Criers(band) – Music Video : Lead
- World War Future with Dir. Dale Norton : Lilly, Major Supporting Role.
- Peter Rassmussen : Workshop
- Peter Rassmussen : Acting classes
- Forever with Dir. Jade Hassett : Cassie, lead role.
- Tom McSweeney and Newman Casting : Workshop
- Sue Manger Casting : Workshop
- Queensland University of Technology : Bachelor of Fine Arts Acting 2008-2011
- A Month In The Country with Dir. Jennifer Flowers with QUT : Kolya and Katya, both supporting roles.
- Festen with Dir. Sean Mee with QUT : Pia, lead.
- Summer and Smoke with Dir. Leonard Meenach with QUT : Nellie Ewell, major supporting role.
- Much Ado About Nothing with Dir. Jennifer Flowers with QUT : Magaret, Supporting Role.
- Jane Eyre with Dir. Michael Futcher with QUT : Adele and Bessie, both supporting roles.
- June Dally Watkins : Deportment and Modleing


text: HELLO DOLLY: This year the designer dolls known as Les Frimousses (or little faces, in English) for UNICEF were conceived with nature in mind. Forty-five dolls were created in collaboration with designers and fashion houses, including Chanel, Jean Paul Gaultier, Givenchy and Christian Dior. The designer dolls will be on show at the Petit Palais from Nov. 29 to Dec. 4. They will then go under the hammer at Paris' Drouot Montaigne auction house on Dec. 13. The reserve price for each little toy is 300 euros, or $417 at current exchange. UNICEF is to distribute funds raised from their sale to help vaccinate children in Sudan's Darfur region.


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The chairs lining the Lubavitch Yeshiva hall were filled with anxious family members and supporters, as the closing pitches were given for the inaugural Elevator Pitch Challenge.
Close to thirty contestants entered the competition; only six finalists remained. And they were all vying for the same $10,000 business package needed to see their businesses soar.
After a grueling two hours of pitches, questions and critiques, the judges finally announced the winners: Sara Esther Varnie from Kids Discover Israel, and Shmuly Wolff from JMenu.
"It was a very close competition, and it was an extremely difficult decision for the judges," said Rabbi Yehoshua Werde, Director of CHYE and coordinator of the competition. "But as I've said throughout the competition—every person who participated is a winner."
The proceedings began with a few words from Rabbi Werde, who thanked all the participants, sponsors, judges and supporters. "The work we do at CHYE would not be possible without the help we receive from the generous people in this community," he said.
Each contestant was then called to the stage to deliver their business pitch before a panel of judges. The judges asked questions on the pitch, pointed out potential oversights in the business model, and then gave professional recommendations regarding scalability, competition, and innovation.
Chanie Kaminker, CEO of Hannabe Creative and a judge on the women's panel, reminded the contestants of the rapid pace of today's market, and the need to keep a constant finger on the pulse of that day's trend. Today fidget spinners are all the rage; in six months no one will remember them," she said. "Trends change so quickly these days, you have to make sure you're always in tune with your customers and with your competition."
Another valuable piece of advice was given by Meny Hoffman, CEO of Ptex Group. "Your customers are the key to your success," he said. "One thing you have to always be thinking: How can I improve the customer experience, and how can I offer a better product or service."
All three judges on the women's panel highlighted the bravery of the contestants, and praised them for being leading examples of women who are successful entrepreneurs. "It's inspiring to see how many women participated in the competition," said Shaina Levin of Abba Realty.
The winners from each division were presented with a giant CHYE check, representing the $10,000 in business services they are now entitled to. The prize package—including marketing material, consulting, accounting services and office furniture—will help the winners promote and expand their businesses.
"I hope to build a website with this money, and to look into creating digital copies of my books," said Mrs. Varnie.
Shmuly Wolff of JMenu spoke of his vision to expand his app to service the rest of the country, and, eventually, the entire Jewish world. To celebrate their victory JMenu is offering a $5 Gift card to anyone who downloads the JMenu app in the next 48 hours. All you have to do is enter IKEEPKOSHER when you check out with your first order.
Guests at the event were lucky to samples of some of the products being presented. Cold brew coffee was served courtesy of Mendy Dalfin of The Chosen Bean, and Chaya Rockford of The Me and My displayed several models of her new dolls on the stage.
"It was a most enjoyable evening for the participants, for the judges and for the crowd," said Rabbi Werde. "We're thankful to everyone who participated, and we look forward to doing similar competitions in the future."
To see more of CHYE's upcoming events, visit their website at www.chye.info


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The team also creates and distributes the University's 30-second halftime spot for televised athletic events and other promotional videos for recruiting. Videos are filmed in digital format that can be converted for web use.
Our production team creates award-winning video programs that have been used in the classroom, in the boardroom, and on network television. Concept development, location shooting, editing, and post-production services are available through our office.
Production Services
- Promotional and recruitment
- Educational materials and training aids
- Television advertising spots and news
- Television program production
- Special event presentations
- Web and multimedia


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Product Information
Preserve your cargo with the easy to use Rugged E-Series tri-fold tonneau cover. This cover is perfectly designed to keep out prying eyes and weather. The Rugged E-Series tri-fold is designed with a durable tear-resistant vinyl supported by an aluminum frame that allows heavy rain or snow to simply slide off. Fully surrounding this aluminum frame is a seal that prevents moisture from entering the bed. When the cover is open all the way, it has fastening straps that will keep the cover secured while driving. The Rugged E-Series tri-fold tonneau cover comes fully assembled and installs without tools in less than five minutes. With the quick latch system it will only take you a few seconds to open it up, so you can stow your cargo. Rugged backs this truck bed cover with a limited lifetime warranty, so you are covered as long as you own it.
|Rugged Liner
The cargo management, utili-track, or deck rail system options refer to the factory installed rail system designed to hold moveable cargo cleats along the inside of your truck bed. Please call us for further clarification.
Rugged Liner is offering a lifetime warranty on the E-Series Tri-Fold tonneau cover.
Rugged Liner warrants, to the original purchaser, that the E-Series Vinyl Folding Cover is free from defects in
the material and workmanship, Rugged Liner may, at its option, either repair or replace products that prove to
be defective.
This warranty shall apply as long as the E-Series Vinyl Folding Cover is in the possession of the original
purchaser and a proof of purchase is submitted.
The above warranty shall apply only if all of the following conditions are met.
The original purchase only is covered
The E-Series Vinyl Folding Cover is on the original owner's pickup
The E-Series Vinyl Folding Cover is properly installed
The E-Series Vinyl Folding Cover has not been modified
Consequential damages, including damage to cargo or truck bed is not covered
Blown off Covers:
A. We will not warranty an E-Series Vinyl Folding Cover that comes off the truck while driving.
B. Consumer responsibility to check clamps before driving
Plastic and aluminum parts can be replaced.
Vinyl Cover cannot be replaced.
Call Customer Service for replacement parts cost.
Take care of your equipment.
Periodically check your clamps for proper tension and make sure they are clamped down before traveling.
When you are riding with the cover open, make sure the clips are fastened.
Clean with soap and water only.
The Rugged Cover E-Series Tri-Fold tonneau cover is an easy installation. Simply place the cover on the front of the truck bed, secure front clamps, unfold tonneau cover, and secure rear clamps. For additional information please call us at 1-877-216-5446 or 701-253-5906.
Rugged Liner E-Series Tri Fold Tonneau Cover Installation


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Hi guys! Apologies for the blog hiatus. Since the holidays, I've had trouble feeling a bit creative, which in turn means no exciting blog posts for ya! Though I consider myself to be a creative person, there are times when other things take priority and I just don't feel inspired or motivated. Creativity is definitely an ebb and flow kind of thing for me. Some days I feel SO inspired, excited, and passionate and on other days, it's just blah. But, hey, that's life! Not every day is going to be perfect and that's OK ☺
Anyway, I hope you all had a fabulous holiday break and had time to hang with friends and family. I know it was non-stop for me all break, so I definitely needed to hit the refresh button as soon as I got back into my daily routine. That being said…I am SO EXCITED for what 2018 has in store for me. For one, Justin and I are getting married (EEKK) on August 25th, 2018 – so I'd say that's a pretty MAJOR thing to be amped about for 2018. But on top of that, I have so many exciting trips, friend reunions, and a CRAZY cool honeymoon that we're in the middle of planning to Southeast Asia!
I have a gut feeling that 2018 is going to be a GREAT year. I'll be honest, 2017 was an interesting year for me – a lot of change & was on a mission to find what excites me and "sets my soul on fire". This certainly came with its challenges and I sure as hell hit a few low points. All that said, I'm so grateful for my experiences because I gained a wealth of new knowledge (and new friends)! Reflecting back on 2017, I think one big thing that was missing for me since graduating college nearly 5 years ago was continuing my path to grow, learn more, and fill a void. Granted I was learning new things at work…but they weren't all in line with my passions. I have an itch to learn more and challenge myself, but in the world of health and wellness, because that has always been where my curiosity resigns. So what's my point in all of this? NEVER STOP LEARNING. I'm carrying this lust to learn over into 2018 and I challenge you to join me! Find something that excites you, maybe completely different than what your 8-5 looks like, and go after it.
It can be ANYTHING and it doesn't always have to cost a lot of money or in some cases, it may be FREE. Here are some ideas on how I plan to either continue challenging myself or some things that are future goals (either for this year or 2019, 2020, and so on)…
- I would have to say that pursuing my 200HR yoga teacher training was one of my favorites. I had a fairly good, at-home practice going before I completed my intensive training, but it was more so for the physical benefits. At the time, I didn't look at yoga as a spiritual or mental journey – it was purely a form of exercise, toning, and stretching for me. That being said, I was ready for a drastic change in my life and on the whim, applied to a 200HR intensive training in Mallorca, Spain. This was the BEST decision. I intuitively felt a want to get in touch with myself and a more spiritual practice…and this was the answer. Oh and PS you don't need to be a yoga pro to complete your 200HR. Nor do you need to necessarily have the intention to go out and teach after your training. These are both common misconceptions about 200HR yoga teacher training. There is SO much more value that you get out of this magical journey. Learn more on my experience with my post from last year!
- Piggy backing off the above, I'm now in the middle (and nearing the end) of my training for CorePower Yoga Sculpt. I haven't found a community I love as much as what I have at CPY. I also fell in love immediately with their sculpt class. I loved the high energy, the fun music, the strength training aspect, the heat, etc. I still have my at-home yoga practice, but I love switching it up with CPY sculpt classes. I also love that you can always pop into any class, whether it be sculpt or yoga, at any time of day and with so many options for locations in the city! Anyway, just like 200HR yoga training, ANYONE can sign up for the CPY sculpt training. And I'll be honest; this style of teaching is way more challenging than what you may think from just attending a class. Don't get me wrong, my 200HR yoga training was extremely challenging, but CPY sculpt training brings its new challenges – power of voice, music & beat matching to exercises, weight & strength training, having the whole class flow seamlessly, and of course making it both challenging and fun at the same time. Anyway, as you can tell, I have an appetite for fitness and sharing that with others in the community! This is my form of challenging myself and continuing my journey to learn more and get out of my comfort zone!
- Reading! Oh gosh there is so much I can say hear. In the past year, I've gotten WAY more into spirituality and self-care in so many forms. Learning more about yoga, meditation, forms of mindfulness, crystals, scents, oils, holistic self-care tricks, astrology, food freedom, manifestation, and oh the list could go on. There are SO MANY FREE resources online. Well & Good , Mind, Body, Green, and Chalkboard are always a few of my favorite go-to's for catching up on the latest wellness trends. Then from there, I'll usually go into a deeper dive on the topic elsewhere. I like that both sites "dumb" it down in a sense…aka making it relatable to a large audience. In addition to online resources, there are so many cool books out there, some of my faves being Gabby Bernstein and Kelly Leveque's book.
- Listening! What do I mean by this? Podcasts. There is SO much to learn from a simple 1.5 hour episode…you just need to be listening to the right interview. I can't even tell you how much knowledge I've gained from various podcasts I've listened to. I also have some of my fave podcast go-to's and find it so exciting when I learn about a topic that I've never even heard about before, mostly because I trust the interviewer and their interviewee choices! The best part? There is literally a podcast out there for EVERYTHING and ANYTHING. Seriously!! Any topic you're interested in learning more about…there's likely a podcast for it.
- Watch! Justin and I are serial documentary viewers. I LOVE them. I'll be honest, it's really hard for me to get through movies (I swear my attention span lasts for all of 30 minutes during any movie). But for some reason, documentaries are the ONLY ones that can hold my attention from start to end. There are so many interesting docs on netflix that are health & wellness focused. Additionally, I've been really into more life sciences, UFO's (haha don't judge me), nature, the universe, etc.! Also, another great resource for health & wellness focused documentaries is FoodMatters TV. You can subscribe for an online subscription and get so many free resources including documentaries, meditations, yoga pratices, guided courses, recipes, interviews, and more!
- Attending a workshop and/or conference. Another great way to learn is putting yourself out there and attending a local workshop or even a larger-scale conference. There's so much value in attending things in person and meeting/interacting with like-minded people. I'm always scrolling through Eventbrite.com in the Boston area to see what events are going on locally – it's a great resource for any city!
- Take an online course! In the next year or two, I plan on signing up for the integrative nutrition course or another course that is primarily focused on functional and/or holistic nutrition. This has ALWAYS been something I've wanted to do, just need to carve out the time. Seeing as 2018 is a busy year for me, I'm thinking I'll tackle this one in 2019! But I wanted to share and keep it on the radar. Other online resources that I love is from FoodMattersTV and Mind, Body, Green!
Those are some of my pro tips on how you can continue to keep challenging yourself in the new year and never stop learning! Would love to hear any of your suggestions in the comments!


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Yeah, yeah, I know. Quit griping about the weather, right? If you can't DO anything about something, why waste your energy complaining about it?
Because it's HOT!
OK, OK! Different topic...
My return to work, interrupted by some extra time off courtesy of Rita, was smoother than I had expected. This time (first time ever, I think) I did enough routine stuff in advance before the vacation that there wasn't a pile of it waiting for me when I returned. Plus I was able to check emails several times a week, and even answer some of them. That was courtesy of all the unsecured wifi sites out there everywhere we went, allowing me to go online almost at will.
My thanks to all of those across the country who don't turn on the security measures on their wireless routers and modems!
Anyway, I was back for one full day last week before we shut down for Rita (and part of that day was spent preparing for her). This week I have caught up on all the invoicing and reports waiting for me, dealt with the questions people were waiting to ask until I got back, and got most of the way through my paper inbox. All in just three days this week.
Tomorrow I'll miss some more time attending the Workforce Center board meeting (and one committee meeting), but I'm pretty much back in the groove again.
Now Greg, don't get the wrong idea. All that was due to good management and solid preparation. It was not an indication that I'm not needed there full time!
One thing I've got to deal with is our hurricane manual and policies.
What? Yes, we have a manual of policies and procedures just for hurricanes. We try to state just what we'll do in the event of storms of varying strengths.
Our events are timed with relation to the forecast arrival of hurricane strength winds. For example, H72 is 72 hours before the hurricane force winds are expected at our plant (not necessarily landfall of the eye). At H72 we begin securing all loose items, and a decision is made whether or not to shut down our production units. There are lists of duties at H48, H36, H24, H12, and H4. H4 is when the plant is staffed with a minimal volunteer crew, the gates are locked, and we hunker down and see what damage we get.
Well, this year was different! At H72 the local counties were already declaring a "mandatory evacuation." None of our employees wanted to hang around to shut the plant down. But they did, and as time passed and the forecasts changed, more and more of them decided to stay in the area. Had the storm kept coming at us it would have been very different.
Local officials tell us that given all the problems they had, in future situations they may evacuate even earlier! This will require us to re-think all of our arrangements. Our people have to have enough time to board up (if appropriate) and get out, PLUS we need to get the plant safely shut down.
Many are unhappy that they couldn't just take their families and go when the first evacuation was announced. Others are unhappy that the volunteer hurricane crew (who gets paid double-time wages while on hunker-down duty until relieved) made so much money even though the storm didn't hit here. Of course, the unhappy ones didn't want to volunteer until it was clear that the storm was headed elsewhere.
Being an HR manager is fun. Sometimes. This next week or two may NOT be one of those times.
Plus, it's HOT! Which doesn't help.