:(67 9,5*,1,$
)$0,/<
0 $ * $ = , 1 ( -XPS 6WDUW
$Z DUG Z LQQ LQJ 0 DJ D] LQH IR U 7 RG D\
V %X V\ )D PL OLH V
WKH 6FKRRO <HDU
)LUH 6DIHW\ IRU <RXU )DPLO\
7HFKQR .LGV
7KH $JH RI (OHFWURQLF 'HYLFHV
$IWHU 6FKRRO $FWLYLWLHV
,V <RXU &KLOG ,QYROYHG LQ 7RR 0XFK"
6 5($'(5 6HS 2FW
2QOLQH (GLWLRQ ,VVQ
9ROXPH ,VVXH
859( <
R :L Q W H F Q D K & $
$QG 025( $QG 025(
:HOFRPH %DFN 7R 6FKRRO
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
+DPSWRQ &HQWHU 6XLWH % 0RUJDQWRZQ :9 ZZZ GHQWLVW NLGV RUJ
6HSWHPEHU 2FWREHU
&RPSDVVLRQDWH +HDOWKFDUH IRU <RXU )DPLO\ )DPLO\ 3UDFWLFH 0LFKDHO .LUN 0' &O\GH 0LWFKHOO 0' *HUDUG 2¶/RXJKOLQ '2
*\QHFRORJ\ 2EVWHWULFV ,ODQ %RUQVWHLQ 0' - 0LFKDHO 5ROOLQV 0'
.LPEHUO\ )DUU\ 0' 3UL\D 6XQGDUDP 0'
7KH 3K\VLFLDQV RI 6W -RVHSK¶V ZZZ VWM QHW
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
6DUD &KXD '2 (ODLQH .LUFKGRHUIHU 0'
6HSWHPEHU 2FWREHU
&RQWHQWV 6HS 2FW
:(67 9,5*,1,$
)$0,/<
0 $ * $ = , 1 (
%$&. 72 6&+22/ )($785(6
&217(676 *,9( $:$<6
5HDGHU 6XUYH\ $ &KDQFH WR :LQ
7+,1*6 72 '2 :HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
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
)DPLO\ IULHQGO\ &DOHQGDU
',5(&725,(6
%DFN WR 6FKRRO 'LUHFWRU\ $ 6SHFLDO $GYHUWLVLQJ /LVWLQJ
21 7+( &29(5 &RYHU 3KRWR &RQWHVW )LQDOLVW $VKOH\ &KULV 1RYDOOLV ZLWK 'HDFRQ 3KRWR E\ 3KRWRJUDSK\ E\ $PDQGD 6HSWHPEHU 2FWREHU
ZZZ :9)DPLO\2QOLQH FRP $ 7UXVWHG )DPLO\ 0DJD]LQH 6LQFH 3XEOLVKHU (GLWRU &DUOD &RVQHU 6RFLDO 0HGLD &KDLU .ULVWHQ &RVQHU 6DOHV -HQQLIHU 1DQQHUV *UDSKLFV &R])[ 6WXGLRV
&RQWULEXWLQJ :ULWHUV 0DUJH (EHUWV 3HJJ\ *LVOHU .LPEHUO\ 0F&DOOHQ 6KDURQ 1ROÀ 5DFKDHO 0RVKPDQ
:HVW 9LUJLQLD )DPLO\ LV D )5(( EL PRQWKO\ PDJD ]LQH VHUYLQJ IDPLOLHV LQ :HVW 9LUJLQLD 2XU SULQW HGLWLRQ KDV D FLUFXODWLRQ RI FRSLHV ZLWK PRUH WKDQ KLJKO\ YLVLEOH GLVWULEXWLRQ SRLQWV LQ :HVW 9LUJLQLD LQFOXGLQJ OLEUDULHV YLVLWRU FHQWHUV FRPPXQLW\ FHQWHUV PDOOV VFKRROV GRFWRU RIÀFHV KRVSLWDOV DQG PRUH 7KH SULQW HGLWLRQ KDV D UHDG UDWH ZLWK RYHU UHDGHUV :9 )DPLO\ LV DOVR DYDLODEOH DV WZR RQOLQH YHUVLRQV DYDLODEOH IURP DQ\ZKHUH LQ WKH VWDWH RU RXWVLGH RI WKH VWDWH RU FRXQWU\ 2QOLQH YHUVLRQV LQFOXGH DQ LQWHUDF WLYH ÁLS SDJH YHUVLRQ DQG D SGI YHUVLRQ IRU VPDUW GHYLFHV :9)DPLO\2QOLQH FRP 7KH YLHZV H[SUHVVHG E\ ZULWHUV DQG DGYHUWLVHUV GR QRW UHÁ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
ZZZ IDFHERRN FRP ZYIDPLO\PDJD]LQH ZZZ SLQWHUHVW FRP ZYIDPLO\PDJ ZZZ WZLWWHU FRP ZYIDPLO\PDJ &RS\ULJKW $OO ULJKWV UHVHUYHG $Q\ UHSURGXFWLRQ LQ ZKROH RU LQ SDUW LV SURKLELWHG ZLWKRXW ZULWWHQ SHUPLVVLRQ 1DPHV DGGUHVVHV SKRQH QXPEHUV HPDLOV RU VXFK WKDW DUH VXEPLWWHG IRU FRQWHVWV DUH QHYHU VKDUHG ZLWK DQ\ WKLUG SDUW\
3XEOLVKHG E\ %RRN&DVWOH 3XEOLVKLQJ //&
3ULQWHG E\
)URP WKH SXEOLVKHU
/RRNLQJ *ODVV
&216,*10(17 6+233(
:9 V /DUJHVW &ORWKLQJ &RQVLJQPHQW 6WRUH :HOFRPH WR RXU %DFN WR 6FKRRO HGLWLRQ 7KLV LVVXH LV IXOO RI JUHDW %DFN WR 6FKRRO WLSV IXQ DFWLYLWLHV IDPLO\ FDOHQGDU RI HYHQWV DQG PRUH :H ZDQW WR NQRZ ZKDW \RX WKLQN 3OHDVH WDNH D IHZ PLQXWHV WR ¿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¿UHV HDFK \HDU DUH VWDUWHG E\ SHWV %H VXUH WR FKHFN RXW RXU )DPLO\ 3HWV VHFWLRQ SDJH IRU WLSV WR KHOS SUHYHQW D KRPH ¿UH VWDUWHG E\ \RXU SHW 7R PDNH \RXU FKLOG V VFKRRO \HDU D VXFFHVV EH VXUH WR FKHFN RXW 6HYHQ 6WHSV WR D 6XFFHVVIXO 6FKRRO <HDU RQ SDJH 7RS 7HQ +RPHZRUN 7LSV RQ SDJH 'HDU 7HDFKHU RQ SDJH 6LPSOH 7LSV IRU D *UHDW 6FKRRO 'D\ RQ SDJH DQG $IWHU 6FKRRO $FWLYLWLHV ,V <RXU &KLOG ,QYROYHG LQ 7RR 0XFK" RQ SDJH 7KDQNV IRU UHDGLQJ :9 )DPLO\
&O WKLQJ &ORWKLQJ DQG $FFHVVRULHV IRU WKH :KROH )DPLO\ &ORWKL QJ DQG $FFHVVRUL RULHV HV IRU WKH :KR :KROOH )DPLOLO\ &DVXDO %XVLQHVV *RZQV 3URP :HGGLQJ +DQGEDJV 6KRHV -HZHOU\ DQG PRUH 3OD\ DUHD DQG '9'V IRU NLGV WR HQMR\ ZKLOH \RX VKRS :HVW 0DLQ 6WUHHW &ODUNVEXUJ :9 $FURVV IURP &RXUW +RXVH
/LNH XV RQ )DFHERRN
(PDLO ORRNLQJ JODVV#OLYH FRP
3 HRSOH 8 QLWHG IRU 5 HVFXH 5 HKDELOLWDWLRQ 3 8 5 5 :HVW 9LUJLQLD ,QF
7RR RIWHQ FDWV DUH QRW YDOXHG LQ RXU UHVFXH V\V WHP 3 8 5 5 LV FKDQJHV UHDOLW\ IRU FDWV DQG NLW WHQV HYHU\GD\ E\ JLYLQJ WKHP WKH FDUH DQG YDOXH WKH\ GHVHUYH <RXU GRQDWLRQV ZLOO KHOS XV KHOS WKHP
(YHU\ 'RQDWLRQ +HOSV
3OHDVH *LYH $ *LIW RI /LIH
KHOS#SXUUZY RUJ ZZZ SXUUZY RUJ
&DUOD &RVQHU 3XEOLVKHU
Find furry friendship!
November 21–23 WVU Creative Arts Center
Mountainlair & CAC Box Offices – 304.293.SHOW ticketmaster.com – 800.745.3000 TM/©2014 Sesame Workshop. All Rights Reserved. 65638 8/14
become a favorite friend at sesamestreetlive.com
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
TM/© Sesame Workshop. All Rights Reserved.
6HSWHPEHU 2FWREHU
v )DPLO\ 0DWWHUV
6HYHQ 6WHSV WR D 6XFFHVVIXO 6FKRRO <HDU 7KLQJV <RX &DQ 'R 5LJKW 1RZ
E\ 6KDURQ 1RO¿ 0 $
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
7
KH ¿UVW ZHHNV RI VFKRRO DUH D WLPH RI FKDQJH DQG VWUHVV (YHQ D IHZ KRXUV ZLOO JLYH \RX QHZ LQVLJKWV LQWR \RXU FKLOG¶V IRU IDPLOLHV &KLOGUHQ DUH IDFHG ZLWK XQIDPLOLDU ZRUN H[SHULHQFH 7KH EHVW VFKRRO RXWFRPHV UHVXOW IURP SDUWQHUVKLSV DQG WKH H[SHFWDWLRQV RI D QHZ WHDFKHU )ULHQGV PD\ ¿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¶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¿WV DOO \HDU ORQJ 8VH D 0RUQLQJ 5RXWLQH WKDW 6WDUWV WKH 1LJKW %HIRUH $WWHQG ³%DFN WR 6FKRRO 1LJKW ´ ,I \RXU VFKRRO RIIHUV DQ 3UHSDUDWLRQ LV HVSHFLDOO\ LPSRUWDQW WKH ¿UVW IHZ ZHHNV RI HYHQLQJ IRU SDUHQWV WR YLVLW FODVVURRPV HDUO\ LQ WKH \HDU EH VFKRRO ZKHQ JHWWLQJ RXW RI WKH KRXVH RQ WLPH LV PRVW RIWHQ D VXUH WR DWWHQG LW 8VXDOO\ KHOG GXULQJ WKH ¿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¿ LV D OLFHQVHG VFKRRO SV\FKRORJLVW DQG SDUHQW RI JURZQ DQG KLV WHDFKHU NQRZ \RX ZDQW WR EH LQYROYHG LQ WKH HGXFD FKLOGUHQ +HU ZULWLQJV KDYH DSSHDUHG LQ SXEOLFDWLRQV ZRUOGZLGH WLRQDO SURFHVV 9ROXQWHHU DQG RU YLVLW DW VFKRRO LI SRVVLEOH
6HSWHPEHU 2FWREHU
LQFOXGLQJ PDQ\ UHJLRQDO SDUHQWLQJ PDJD]LQHV
%DFN WR 6FKRRO 'LUHFWRU\ $ 6SHFLDO $GYHUWLVLQJ /LVWLQJ +RVSLWDOV +HDOWK &DUH z z z z z z z z
&RPPXQLW\ &DUH RI :9 6FKRRO %DVHG +HDOWK &HQWHUV ZZZ FRPPXQLW\FDUHZY RUJ 3HGLDWULF DQG 7HHQDJH 'HQWLVWU\ RI 0RUJDQWRZQ +DPSWRQ &HQWHU 6XLWH % 0RUJDQWRZQ :9 ZZZ GHQWLVW NLGV RUJ 3UHVWRQ 0HPRULDO +RVSLWDO 6RXWK 3ULFH 6WUHHW .LQJ ZRRG :9 ZZZ SUHVWRQPHPRULDO RUJ 6W -RVHSK¶V +RVSLWDO $PDOLD 'ULYH %XFNKDQQRQ :9 ZZZ VWM QHW 6WRQHZDOO -DFNVRQ 0HPRULDO +RVSLWDO +RVSLWDO 3OD]D :HVWRQ :9 7KRPDV ( &RQGURQ ' ' 6 &RXUW 6WUHHW &ODUNVEXUJ :9 :HVWRQ (DU 1RVH 7KURDW DQG $XGLRORJ\ 6XLWH & 0DUNHW 3ODFH 0DOO :HVWRQ :9 :98 +HDOWKFDUH &KLOGUHQ V +RVSLWDO DW 5XE\ 0RUJDQWRZQ :9 ‡ ZZZ ZYXNLGV FRP
6KRSSLQJ )RRG z z z z z
/RRNLQJ *ODVV &RQVLJQPHQW :9 V /DUJHVW &ORWKLQJ &RQVLJQ PHQW 6WRUH :HVW 0DLQ 6WUHHW &ODUNVEXUJ :9 DFURVV IURP &RXUW +RXVH KWWS ORRNLQJJODVVEULGJHSRUW FRP 0LGGOHWRZQ 0DOO 0LGGOHWRZQ 0DOO 5RDG )DLUPRQW :9 0HDGRZEURRN 0DOO 0HDGRZEURRN 5RDG %ULGJHSRUW :9 ZZZ PHDGRZQEURRNPDOO FRP 0RUJDQWRZQ 0DOO 0DOO 5RDG 0RUJDQWRZQ :9 ZZZ PRUJDQWRZQPDOO FRP 6DP V 3L]]D 5W 6RXWKIRUN &HQWHU %XFNKDQQRQ :9
z z
7XVFDQ 6XQ 6SD (PLO\ 'ULYH %ULGJHSRUW :9 ZZZ WXVFDQVSDDQGVDORQ FRP 7KH 6SD # 7KH :DWHUIURQW 7ZR :DWHUIURQW 3ODFH 0RUJDQWRZQ :9 ZZZ ZDWHUIURQWSODFHVSD FRP
6SD 6DORQ
)LHOG 7ULSV )DPLO\ 'D\WULSV 'XUELQ *UHHQEULHU 9DOOH\ 5DLOURDG 5DLOURDG $YHQXH (ONLQV :9 ZZZ PRXQWDLQ UDLO FRP 7KH 3RODU ([SUHVV ULGHV LQ 1RY 'HF &DOO 1RZ )DUP 'LVFRYHU\ &HQWHU DW %ODFNZDWHU )DOOV 6WDWH 3DUN %ODFNZDWHU /RGJH 5RDG 'DYLV :9 0RXQWDLQ 7UDLO 5LGHV )UHHODQG 5RDG 'DYLV :9 ZZZ PRXQWDLQWUDLOULGHV FRP 1DWLRQDO 5DGLR $VWURQRP\ 2EVHUYDWRU\ *UHHQEDQN :9 ZZZ JE QUDR HGX 3LWWVEXUJK =RR 33* $TXDULXP 2QH :LOG 3ODFH 3LWWVEXUJK 3$ SLWWVEXUJK]RR RUJ 3ULFNHWW¶V )RUW 6WDWH 3DUN )DLUPRQW :9 ZZZ SULFNHWWVIRUWVWDWHSDUN FRP 7UDQV $OOHJKHQ\ /XQDWLF $V\OXP $V\OXP 'ULYH :HVWRQ :9 HPDLO LQIR#ZZZ WDODZY FRP ZZZ WDODZY FRP :9 :LOGOLIH &HQWHU )UHQFK &UHHN :9 ZZZ ZYGQU JRY ZLOGOLIH ZLOGOLIHFHQWHU VKWP :98 $UWV (QWHUWDLQPHQW :98 &UHDWLYH $UWV &HQWHU 0RU JDQWRZQ :9 KWWS HYHQWV ZYX HGX
(GXFDWLRQ FRP 6FKRRO ¿QGHU ZZZ HGXFDWLRQ FRP VFKRRO¿QGHU 0\ &KLOG &DUH *XLGH &KLOG FDUH ORFDWRU ZZZ 0\ &KLOG&DUH*XLGH FRP 3DUHQWLQJ 6SHFLDO 1HHGV %L PRQWKO\ RQ OLQH PDJD]LQH ZZZ SDUHQWLQJVSHFLDOQHHGV RUJ 3URGXFWLYH 3DUHQWLQJ )UHH GDLO\ DFWLYLWLHV IRU QHZERUQV WR DJH ZZZ SURGXFWLYHSDUHQWLQJ FRP :9 %LUWK WR 7KUHH 5HJLRQ , 5$8 ZZZ ZYGKKU RUJ ELUWK
z z z z z
/LO -DPPD] +LS+RS 'DQFH &R 0RUJDQWRZQ V 2QO\ +LS+RS &RPSDQ\ 6DUDWRJD $YH 6WDU &LW\ :9 0RUJDQWRZQ 'DQFH 6WXGLR *UHHQEDJ 5RDG 0RU JDQWRZQ :9 ZZZ PRUJDQWRZQ GDQFH RUJ 6DLQW 3DXO 8QLWHG 6FKRRO RI 0XVLF 0DU\ /RX 5HWWRQ 'ULYH )DLUPRQW :9 (PDLO VWSDXOXQLWHGPHWKRGLVW#JPDLO FRP 7KH :RZ )DFWRU\ 8QLYHUVLW\ $YHQXH 0RUJDQWRZQ :9 :2: ZZZ 7KH:RZ)DF WRU\2QOLQH FRP :98 &RPPXQLW\ 0XVLF 3URJUDP 32 %R[ 0RU JDQWRZQ :9 KWWS PXVLF ZYX HGX FRPPXQLW\BPXVLFBSURJUDP
$IWHU6FKRRO 3URJUDPV
(GXFDWLRQ 6FKRROV z z z z z z z
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
%LUWKGD\ 3DUW\ 9HQXHV (QWHUWDLQPHQW z z z z z z z z
%DJ RI 0DJLF ZZZ EDJRIPDJLF FRP %XLOG $ %HDU :RUNVKRS &KDUOHVWRQ 7RZQ &HQWHU ZZZ EXLOGD EHDU FRP 0DJLF E\ .HYLQ &KLOGUHQ V %LUWKGD\ 3DUW\ 0DJLFLDQ ZZZ NHYLQO\RQVPDJLF FRP 3DUWLHV E\ /RXLVH (ONLQV :9 ZZZ SDUWLHVE\ORXLVH ZHHEO\ FRP 6SD 3LFFROD 7XVFDQ 6XQ 6SD ZZZ WXVFDQVSDDQGVD ORQ FRP 7KH :RZ )DFWRU\ 0RUJDQWRZQ :9 :2: ZZZ 7KH:RZ)DFWRU\2QOLQH FRP 7ULFN\ &KD] 3DUNHUVEXUJ :9 WKHPDJLFRIFKDUOHV FRP 9DOOH\ :RUOGV RI )XQ )DLUPRQW :9 ZZZ YDO OH\ZRUOGVRIIXQ FRP
7KLV GLUHFWRU\ KDV EHHQ FRPSLOHG WR DVVLVW \RX (YHU\ HIIRUW KDV EHHQ PDGH WR HQVXUH WKH DFFXUDF\ RI WKH LQIRUPDWLRQ KRZHYHU :HVW 9LUJLQLD )DPLO\ 0DJD]LQH LV QRW OLDEOH IRU GDPDJHV DULVLQJ RXW RI HUURUV RU RPLVVLRQV 3OHDVH XVH WKH LQIRUPDWLRQ SURYLGHG WR FRQWDFW WKH EXVLQHVV IRU PRUH LQIRUPDWLRQ
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
z z z z z z z z z
)DPLO\ 6HUYLFHV 5HVRXUFHV z z z z z
6HSWHPEHU 2FWREHU
What you need to know :KDW <RX 1HHG WR .QRZ $ERXW about E-Cigarettes ( &LJDUHWWHV DQG &KLOGUHQ
Š +RPHZRUN +HOS
7RS 7HQ +RPHZRUN 7LSV
6PRNLQJ H FLJDUHWWHV LV FDOOHG YDSLQJ Smoking e-cigarettes is called “vaping.� The FDA has proposed future 7KH )'$ KDV SURSRVHG IXWXUH UHJXODWLRQV regulations for e-cigarettes. IRU H FLJDUHWWHV They DO NOT contain tobacco. 7KH\ GR QRW FRQWDLQ WREDFFR They DO contain nicotine, which is 7KH\ '2 FRQWDLQ QLFRWLQH ZKLFK LV VWLOO still addictive. DGGLFWLYH
0RUH WKDQ 0,//,21 PLGGOH 6FKRRO DQG KLJK More than 1.78 MILLION middle school and high school students have tried e-cigarettes since 2012. VFKRRO VWXGHQWV KDYH WULHG H FLJDUHWWHV VLQFH
*SOURCE: CDC.gov
The “smoke� you see coming out of an e-cigarette isn’t smoke—it’s
WATER VAPOR
( FLJDUHWWH VDOHV LQ E-cigarette sales in 2008
$20 MILLION
( FLJDUHWWH VDOHV LQ E-cigarette sales in 2013
$1 BILLION
*SOURCE: Forbes.com
8VH RI H FLJDUHWWHV GRXEOHG DPRQJ 7((16 IURP Use of e-cigarettes has recently doubled among teens with 4.7% using them in 2011 and 10% WR ZLWK XVLQJ WKHP LQ DQG using them in 2012. XVLQJ WKHP LQ 10%
4.7%
2011
2012
*SOURCE: National Youth Tobacco Survey
&KLOGUHQ FDQ OHJDOO\ SXUFKDVH H FLJDUHWWHV LQ Children can legally purchase e-cigarettes in
ofVWDWHV LQ WKH 8 6 the United States.
.LGV PD\ EH SDUWLFXODUO\ YXOQHUDEOH WR WU\LQJ Kids may be particularly vulnerable to trying e-cigarettes due to an abundance of fun avors H FLJDUHWWHV GXH WR DQ DEXQGDQFH RI IXQ ÀDYRUV VXFK such as cherry, vanilla, piùa-colada and berry.
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
DV FKHUU\ YDQLOOD SLQD FRODGD DQG EHUU\
)RU WKH ÂżUVW WLPH LQ \HDUV For the ďŹ rst time in 43 years, “smokingâ€? ads are returning VPRNLQJ DGV DUH UHWXUQLQJ WR to TV with advertising 79 ZLWK DGYHUWLVLQJ FDPSDLJQV campaigns for e-cigarettes. IRU H FLJDUHWWHV
Total number of U.S. smokers
Total number of e-cigarette users
*SOURCE: Statistic Brain
6+28/' .,'6
TRY 75<
( &,*$5(77(6"
12
7$/. 72 <285 .,'6
.
LGV DUH PRUH VXFFHVVIXO LQ VFKRRO ZKHQ SDUHQWV WDNH DQ DFWLYH LQWHUHVW LQ WKHLU KRPHZRUN ² LW VKRZV NLGV WKDW ZKDW WKH\ GR LV LPSRUWDQW 2I FRXUVH KHOSLQJ ZLWK KRPHZRUN VKRXOGQ W PHDQ VSHQGLQJ KRXUV KXQFKHG RYHU D GHVN 3DUHQWV FDQ EH VXSSRUWLYH E\ GHPRQVWUDWLQJ VWXG\ DQG RUJDQL]DWLRQ VNLOOV H[SODLQLQJ D WULFN\ SUREOHP RU MXVW HQFRXUDJLQJ NLGV WR WDNH D EUHDN $QG ZKR NQRZV" 3DUHQWV PLJKW HYHQ OHDUQ D WKLQJ RU WZR
+HUH DUH VRPH WLSV WR JXLGH WKH ZD\ .QRZ WKH WHDFKHUV ²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² DQG WDNH WLPH IRU D PLQXWH EUHDN HYHU\ KRXU LI SRVVLEOH .HHS GLVWUDFWLRQV WR D PLQLPXP 7KLV PHDQV QR 79 ORXG PXVLF 7H[WLQJ RU SKRQH FDOOV 2FFDVLRQDOO\ WKRXJK D SKRQH FDOO WR D FODVVPDWH DERXW DQ DVVLJQPHQW FDQ EH KHOSIXO
0DNH VXUH NLGV GR WKHLU RZQ ZRUN 7KH\ ZRQ W OHDUQ LI WKH\ GRQ W WKLQN IRU WKHP
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
*HWWLQJ +RPHZRUN 'RQH
$V (DV\ $V )RU NLGV DOO WDVNV FDQ EH EURNHQ GRZQ LQWR D SURFHVV *HWWLQJ RUJDQL]HG PHDQV D NLG JHWV ZKHUH KH RU VKH QHHGV WR EH DQG JDWKHUV WKH VXSSOLHV QHHGHG WR FRPSOHWH WKH WDVN 6WD\LQJ IRFXVHG PHDQV VWLFNLQJ ZLWK WKH WDVN DQG OHDUQLQJ WR VD\ QR WR GLVWUDFWLRQV *HWWLQJ LW GRQH PHDQV ÂżQLVKLQJ XS FKHFNLQJ \RXU ZRUN DQG SXWWLQJ RQ WKH ÂżQLVKLQJ WRXFKHV OLNH UHPHPEHULQJ WR SXW D KRPHZRUN SDSHU LQ WKH ULJKW IROGHU DQG SXWWLQJ WKH IROGHU LQVLGH WKH EDFNSDFN VR LW V UHDG\ IRU WKH QH[W GD\
72'$<
6HSWHPEHU 2FWREHU realparentsrealanswers.com
(QWHU IRU D FKDQFH WR ZLQ WLFNHWV WR 6HVDPH 6WUHHW &RPSOHWH RXU 5HDGHU 6XUYH\ DQG UHWXUQ LW E\ 2FW 6HH S
999 241&7%6+8'2#4'06+0) %1/
LW¶V )UHH
,W·V WLPH WR GDQFH :H RIIHU RXU QHZ )RXQGDWLRQV DW 0RUJDQWRZQ 'DQFH IRU \HDU ROGV DQG FODVVHV LQ EDOOHW PRGHUQ WDS DQG PRUH IRU FKLOGUHQ DQG DGXOWV DW DOO OHYHOV )DOO FODVVHV EHJLQ 6HSWHPEHU
$XGLWLRQV 6DWXUGD\ $XJXVW 'DQFHUV DJH DQG XS DUH LQYLWHG WR DXGLWLRQ IRU 0RUJDQWRZQ 'DQFH¶V SURGXFWLRQ RI 7KH 6QRZ 4XHHQ WR EH SHUIRUPHG DW 7KH 0HWURSROLWDQ 7KHDWUH 1RY &KHFN RXU ZHEVLWH IRU DXGLWLRQ WLPHV
0RUJDQWRZQ 'DQFH 6WXGLR )RU LQIRUPDWLRQ RU WR UHJLVWHU FDOO RU YLVLW XV DW ZZZ PRUJDQWRZQGDQFH RUJ
&RPSOHWH RXU 5($'(5 6859(< IRU D FKDQFH WR :,1 3LWWVEXUJK =RR 33* $TXDULXP 7,&.(76 6HH SDJH
Weston Ear, Nose, and Throat and Audiology is now located for your convenience at the intersection of Rt. 33 and Interstate 79 -RKQ :\OOLH 0 ' Phone 304-517-1401 for your appointment 2SHQ 0RQ )UL WR 6XLWH & 0DUNHW 3ODFH 0DOO :HVWRQ :9
'LDQD 'DXJKHUW\ $X '
)DOO 6SHFLDO )5(( KDLUFXW ZLWK DQ\ IXOO FRORU RU KLJKOLJKW 2IIHULQJ 2UJDQLF +DLU FRORU $PPRQLD IUHH DQG 33' IUHH FRORU ZLWK FHUWL¿HG RUJDQLF QDWXUDO H[WUDFWV 0D[LPXP HI IHFWLYHQHVV DFKLHYHG ZLWK JUH\ KDLU FRYHUDJH 7RWDO XQLIRUPLW\ RI WKH WRQH DQG H[WUDRUGLQDULO\ ORQJ ODVWLQJ UHVXOWV
-2,1 86
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
ZZZ ZDWHUIURQWSODFHVSD FRP
6HSWHPEHU 2FWREHU 6HSWHPEHU 2FWREHU
'HDU 7HDFKHU
([SHUW $GYLFH WR +HOS $OO &KLOGUHQ 6XFFHHG LQ 6FKRRO
%\ 3HJJ\ *LVOHU DQG 0DUJH (EHUWV
5HDG\ IRU WKH 6WDUW RI WKH 1HZ 6FKRRO <HDU" 3DUHQWV (YHU\RQH DOZD\V WDONV DERXW JHWWLQJ NLGV UHDG\ WR JR EDFN WR VFKRRO 1RZ LV WKH WLPH WR WKLQN DERXW DUHDV WKDW SUHVHQWHG FRQWLQXRXV SUREOHPV ODVW \HDU &RQVLGHU \RXU DQVZHUV WR WKHVH TXHVWLRQV
7RR 0XFK &RPSXWHU 7LPH IRU 3UHVFKRROHU 4XHVWLRQ 0\ \HDU ROG VRQ LV H[FHSWLRQDOO\ EULJKW +H ORYHV HYHU\WKLQJ HOHFWURQLF +H FDQ XVH WKH FRPSXWHU E\ KLPVHOI DQG WXUQ RQ WKH WHOHYLVLRQ , P H[FLWHG WKDW KH V VR EULJKW EXW ZRUU\ DERXW KRZ PXFK WLPH KH VSHQGV SOD\LQJ RQ WKH FRPSXWHU ,V DQ KRXU HYHU\ GD\ WRR PXFK WLPH" +H DOVR ZDWFKHV WHOHYLVLRQ IRU DW OHDVW DQRWKHU KRXU ± (OHFWURQLFDOO\ ,QFOLQHG
:DV KRPHZRUN D FRQVWDQW EDWWOH LQ \RXU KRPH" :DV HYHU\ PRUQLQJ D SLFWXUH RI WRWDO SDQGHPR QLXP LQ JHWWLQJ WKH FKLOGUHQ RII WR VFKRRO" 'LG H[WUDFXUULFXODU DFWLYLWLHV FDXVH DFDGHPLF RU IDPLO\ SUREOHPV" :HUH EHIRUH RU DIWHU VFKRRO DUUDQJHPHQWV VDWLV IDFWRU\" :DV PRQH\ IRU OXQFK VXSSOLHV DQG VFKRRO WULSV KDQGOHG VDWLVIDFWRULO\ IRU HYHU\RQH" 'LG 79 YLHZLQJ HOHFWURQLF JDPHV LQWHUIHUH ZLWK VFKRRO ZRUN RU IDPLO\ OLIH" :HUH \RXU FKLOGUHQ UHOXFWDQW WR WDON DERXW ZKDW ZDV KDSSHQLQJ DW VFKRRO"
$QVZHU 8VLQJ D FRPSXWHU DW VXFK DQ HDUO\ DJH KDV LWV JRRG DQG EDG SRLQWV <RXU VRQ ZLOO GH¿QLWHO\ OHDUQ FRPSXWHU VNLOOV IDVWHU DQG PD\ LPSURYH KLV VPDOO PRWRU VNLOOV +H DOVR ZLOO KDYH DFFHVV WR ORDGV RI HGXFDWLRQDO PDWHULDO 2Q WKH RWKHU KDQG LI \RXU FKLOG LV XVLQJ WKH FRPSXWHU SULPDULO\ IRU DFWLYLWLHV ZLWK OLWWOH HGXFDWLRQDO EHQH¿W LW LV D ZDVWH RI KLV WLPH
3UHVFKRROHUV QHHG UHDO OLIH H[SHULHQFHV LQ PDQLSXODWLQJ REMHFWV DQG LQWHUDFWLQJ ZLWK RWKHU FKLOGUHQ DQG DGXOWV <RXU VRQ ZRQ W JHW WKLV YLWDO HGXFDWLRQDO EXLOGLQJ EORFN LI KH VSHQGV WRR PXFK WLPH ZLWK FRPSXWHUV RU 79 )XUWKHUPRUH WKH ÀDVKLQJ DQG FRQVWDQWO\ PRYLQJ LPDJHV RQ FRPSXWHU DQG WHOHYLVLRQ VFUHHQV PDNH LW PRUH GLI¿FXOW IRU FKLOGUHQ WR GHYHORS WKH ORQJHU DWWHQWLRQ VSDQV WKDW WKH\ OO QHHG LQ VFKRRO
1R PDWWHU KRZ SUHSDUHG FKLOGUHQ DQG SDUHQWV DUH IRU WKH QHZ VFKRRO \HDU LW LV RIWHQ D VWUHVVIXO WLPH ZLWK FKLOGUHQ DQ[LRXV DERXW WKH QHZ WUDQVLWLRQV WKDW WKH\ IDFH 7U\ WR FOHDU \RXU RZQ VFKHGXOH VR LW ZLOO EH HDVLHU WR KHOS \RXU FKLOGUHQ DW WKLV WLPH 3RVWSRQH EXVLQHVV WULSV YROXQWHHU PHHWLQJV DQG H[WUD SURMHFWV DV PXFK DV SRVVLEOH ,W¶V DOVR KHOSIXO WR IUHH]H D IHZ HDV\ GLQQHUV VR PHDO SUHSDUDWLRQ GRHV QRW DGG WR KRXVHKROG WHQVLRQ DW WKLV WLPH
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
7ZR KRXUV D GD\ VSHQW ZLWK D FRPSXWHU RU 79 LV GH¿QLWHO\ WRR PXFK HOHFWURQLF WLPH IRU D SUHVFKRROHU <RX QHHG WR OLPLW LW WR DQ KRXU RU OHVV D GD\ <RXU FKLOG QHHGV PRUH UHDO ZRUOG DFWLYLWLHV
'HFLGH QRZ ZKDW SUREOHP RU SUREOHPV WUXO\ LQWHU IHUHG ZLWK WKH RYHUDOO KDSSLQHVV DQG IXQFWLRQLQJ RI \RXU IDPLO\ OLIH %H VXUH WR DVN \RXU FKLOGUHQ ZKDW DUHDV ZHUH WURXEOH VSRWV :RUN WRJHWKHU WR UHVROYH WKHVH SUREOHPV
ZZZ 0\&KLOG&DUH*XLGH FRP
6HSWHPEHU 2FWREHU
:(67 9,5*,1,$
)$0,/<
:9 )DPLO\ 0DJD]LQH 5HDGHU 6XUYH\
(QWH U $ FKDQFH WR :LQ U W (QWHD\ &RPSOHWH WKLV 6XUYH\ IRU D &KDQFH WR :LQ :LR Q 7RG 2QH RI 7KHVH *UHDW 3UL]HV 0 $ * $ = , 1 (
:9 )DPLO\ 0DJD]LQH ZDQWV WR NQRZ ZKDW \RX WKLQN )LOO RXW WKLV 5HDGHU 6XUYH\ DQG UHWXUQ LW IRU D FKDQFH WR ZLQ
3UL]HV *UDQG 3UL]H ZLQQHU
QLJKW 6XPPHU )DPLO\ *HWDZD\ DW &DQDDQ 9DOOH\ 5HVRUW )RU IDPLO\ RI H[SLUHV 2FWREHU
9DOXH ZLQQHU
+RUVHEDFN 5LGLQJ DW 0RXQWDLQ 7UDLO 5LGHV &DQDDQ 9DOOH\ :9
)RU IDPLO\ RI H[SLUHV 2FWREHU
9DOXH ZLQQHUV
6HVDPH 6WUHHW /LYH :98 &UHDWLYH $UWV &HQWHU 0RUJDQWRZQ :9
WLFNHWV VKRZ GDWHV DUH 1RY
9DOXH ZLQQHUV
3LWWVEXUJK =RR 33* $TXDULXP WLFNHWV H[SLUHV 'HF
9DOXH 0DLO WKLV SDJH WR :9 )DPLO\ 0DJD]LQH $WWQ 5HDGHU 6XUYH\ 32 %R[ %XFNKDQQRQ :9 7KDQN \RX *RRG /XFN
5HDGHU 6XUYH\ 5XOHV 6XUYH\ HQWU\ IRUP PXVW FRQWDLQ FRQWDFW LQIRUPDWLRQ LQ RUGHU WR EH HOLJLEOH IRU SUL]HV 6XUYH\ PXVW EH FRPSOHWH :LQQHUV ZLOO EH FKRVHQ E\ UDQGRP GUDZLQJ RI HOLJLEOH HQWULHV 2QH HQWU\ SHU KRXVHKROG
'HDGOLQH IRU HQWULHV LV 2FWREHU 7KH IROORZLQJ FRQWDFW LQIRUPDWLRQ WKDW \RX SURYLGH ZLOO RQO\ EH XVHG WR LQIRUP \RX LQ WKH FDVH WKDW \RX ZLQ RQH RI WKH SUL]HV :H ZLOO FDOO RU HPDLO WR JHW PDLOLQJ DGGUHVV XSRQ GUDZLQJ $V DOZD\V :9 )DPLO\ QHYHU VKDUHV \RXU QDPH DGGUHVV HPDLO RU SKRQH ZLWK DQ\ UG SDUWLHV
1DPH BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB 'D\ SKRQH BBBBBBBBBBBBBBBBBBBBBBBBBBBBB $OW SKRQH BBBBBBBBBBBBBBBBBBBBBBBBBBBBBB (PDLO BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB :KLFK YHUVLRQ RI :9 )DPLO\ GR \RX UHDG" &LUFOH DQ\ 3ULQW HGLWLRQ )OLS SDJH HGLWLRQ SGI HGLWLRQ ,I SULQW ZKHUH GR \RX UHFHLYH D FRS\ RI :9 )DPLO\ IURP" BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB &LUFOH \RXU DJH RU ROGHU $UH \RX PDOH RU IHPDOH" FLUFOH RQH $UH WKHUH FKLOGUHQ LQ \RXU KRXVHKROG" <HV RU QR ,I \HV KRZ PDQ\ FKLOGUHQ XQGHU WKH DJH RI " BBBB +RZ PDQ\ FKLOGUHQ DJHV WR \HDUV DUH LQ \RXU KRXVHKROG" BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB +RZ PDQ\ FKLOGUHQ DJHV WR \HDUV DUH LQ \RXU KRXVHKROG" BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB +RZ PDQ\ FKLOGUHQ DJHV WR DUH LQ \RXU KRXVH KROG" BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB 'R \RX KDYH FKLOGUHQ HQUROOHG LQ DIWHU VFKRRO DFWLYL WLHV" <HV QR 'R \RX SODQ WR HQUROO \RXU FKLOG LQ VXPPHU FDPSV RU SURJUDPV QH[W VXPPHU" <HV QR $UH \RX WKH SULPDU\ VKRSSHU IRU \RXU IDPLO\" <HV QR +RZ PDQ\ SHRSOH LQ \RXU KRXVHKROG UHDGV :9 )DPLO\ 0DJD]LQH" BBBBBBBBBBBBBBBBBBBBBB +RZ ORQJ GR \RX KROG RQWR HDFK LVVXH RI :9 )DP LO\" &LUFOH RQH 8QWLO , KDYH UHDG LW DOO 8QWLO WKH QH[W LVVXH , NHHS LW ORQJHU IRU IXWXUH UHIHUHQFHV 2WKHU BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB :KLFK IHDWXUHV GR \RX IHHO DUH PRVW YDOXDEOH WR \RX DQG \RXU IDPLO\" &LUFOH DQ\ KHDOWK DUWLFOHV PRQH\ WLSV HGXFDWLRQ IHDWXUHV SDUHQWLQJ LQIR GLUHFWRULHV JXLGHV FDOHQGDU DGYHUWLVHPHQWV +RZ PDQ\ RI WKH IDPLO\ IULHQGO\ HYHQWV OLVWHG RQ WKH &RPPXQLW\ FDOHQGDU GR \RX JR WR" &LUFOH RQH PDQ\ RI WKH HYHQWV VHYHUDO HYHQWV RFFDVLRQDOO\ QRW PDQ\ QRQH
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
3LQWHUHVW ZZZ SLQWHUHVW FRP ZYIDPLO\PDJ 7ZLWWHU ZZZ WZLWWHU FRP ZYIDPLO\PDJ +DYH \RX HYHU UHIHUUHG D IULHQG RU IDPLO\ PHPEHU WR D IHDWXUH RU DGYHUWLVHPHQW WKDW \RX VDZ LQ :9 )DPLO\" <HV QR 'R \RX VDYH LVVXHV RI :9 )DPLO\ 0DJD]LQH" <HV QR
+DYH \RX EHHQ WR RXU ZHEVLWH SDJH DW ZZZ :9)DPLO\2QOLQH FRP" <HV QR &RPPHQWV
< )DPLO\ 0DWWHUV
7KH
836,'( 2) 3$5(17,1* 7((16 6HHLQJ 7KH -R\ $QG 6DYRULQJ 7KLV 3KDVH E\ 0LFKHOH 5DQDUG 0 (G
/
LYLQJ ZLWK WHHQDJHUV FDQ KDYH LWV FKDOOHQJLQJ PRPHQWV IRU DOPRVW DOO SDUHQWV WKLV LV D SKDVH DQG WRR ZLOO SDVV 7KH\ IUHTXHQWO\ ZDQW PRUH IUHHGRP WKDQ ZKDW WKH\ DUH SUHSDUHG WR KDQGOH 7KHUH DUH ERXQGDU\ LVVXHV UHEHOOLRQ LGHQWLW\ FULVHV DQG EL]DUUH IDVKLRQ FKRLFHV 3DUHQWV PD\ H[SHULHQFH WKHLU RZQ LGHQWLW\ FULVHV DV ZHOO ([SHUWV VD\ LW¶V GDQJHURXV DQG XQKHDOWK\ WR WDNH RQ WKH UROH RI ³IULHQG´ DV WKH\ PXVW VHH \RX DV DQ DXWKRULW\ <HW WKHUH DUH SOHQW\ RI PRPHQWV LW IHHOV PRUH WKDQ QDWX UDO WR GR VR²WR ODXJK VKDUH PXVLF DQG OHDUQ QHZ WKLQJV WRJHWKHU ,Q VSLWH RI WKH UROOHUFRDVWHU DGROHVFHQFH FDQ IHHO OLNH , DP QRW D IDQ RI VLPSO\ WU\LQJ WR ³VXUYLYH´ WKLV GHYHORSPHQWDO FKDSWHU 7KHUH LV WRR PXFK WR FHOHEUDWH DERXW SDUHQWLQJ WKHVH \RXQJ DGXOWV DQG WKH WULFN LV EHFRPLQJ PRUH LQWHQWLRQDO DERXW VDYRULQJ WKHP 6DYRULQJ" 6XUH $SSUHFLDWLQJ WKH JRRG RI WKLV SDUWLFXODU VWDJH 2WKHUZLVH ZH PD\ VHH RQO\ WKH SLWIDOOV DQG QRW WKH JORU\ RI UDLVLQJ WKHVH HPHUJLQJ DGXOWV 6L[ 5HPLQGHUV WR 6WD\ 2SWLPLVWLF
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
7KHUH¶V D ZKROH ZRUOG RI VZHHW WKLQJV WR HQMR\ WRJHWKHU QRZ WKDW WKH\¶UH ROGHU :KHWKHU LW¶V D VLW FRP \RX ERWK ORYH EDNLQJ D VSRUWV WHDP VFUDEEOH FDUV D ERRN VHULHV RU SLODWHV² GRQ¶W IRUJHW PDQ\ VXFK DFWLYLWLHV ZHUH QRW RSWLRQV ZKHQ WKH\ ZHUH OLWWOH <RX OLNHO\ \LHOGHG WR WKHLU FKLOG UHODWHG LQWHUHVWV DQG GHYHORSPHQWDO QHHGV DW WKH WLPH DQG 'RUD 1RZ WKHUH¶V QHZ IXQ VWXII IRU ERWK RI \RX <RX ERWK QDYLJDWHG FKLOGKRRG VXFFHVVIXOO\ &XH WKH FRQ IHWWL ,W¶V ZRUWK FHOHEUDWLQJ 5HDOO\ ,W ZDVQ¶W DOZD\V XQLFRUQV DQG UDLQERZV²UHPHPEHU FKURQLF HDU LQIHFWLRQV DOO WKRVH PHDOV WKH\ FRXOGQ¶W FXW XS WKHLU SRUN FKRS DQG WKH GHPRQLF WHPSHU WDQWUXPV LQ WKH JURFHU\ FDUW" %UDYR <RX PDGH LW 7KHLU LGHQWLW\ FULVLV PDNHV \RX PRUH DFFRXQWDEOH $W ¿UVW EOXVK WKLV PD\ QRW VRXQG VDYRU ZRUWK\ EXW WKLQN DERXW LW %HFDXVH WKH\ DUH IRUPLQJ RSLQLRQV DQG PDNLQJ GLVFRYHULHV DERXW WKHPVHOYHV \RX DUH SUREDEO\ KHOG PRUH DFFRXQWDEOH $QG WKDW¶V JRRG IRU ERWK RI \RX $UH \RX ZRUULHG DERXW WKH GDQJHUV RI DOFRKRO DQG GUXJ XVH IRU WKHP" ,I VR \RX DUH OLNHO\ PRGHOLQJ EHWWHU EHKDYLRU VLQFH WKH\ DUH ZDWFKLQJ 3DUW RI WKHLU SURFHVV DV WKH\ FODULI\ ZKR WKH\ DUH PRUDOO\ DQG HWKLFDOO\ LV LQÀXHQFHG E\ LQWHUDFWLRQV ZLWK \RX DQG ZKDW WKH\ REVHUYH DW KRPH <RX KDYH PRUH WLPH $QG WLPH LV PRQH\ 7HHQV DUH 6HSWHPEHU 2FWREHU
OHVV GHSHQGHQW RQ \RX VR \RX OLNHO\ KDYH H[WUD WLPH QRZ IRU SHUVRQDO LQWHUHVWV 6XGGHQO\ \RX DUH IUHHG XS WR H[SORUH ZKDW PDNHV \RXU KHDUW VLQJ GHYRWH PRUH WLPH WR FKXUFK DQG VSHQG XQLQWHUUXSWHG WLPH ZLWK \RXU VSRXVH 7KH SUHVVXUH WR UXVK KRPH WR WKH VLWWHU RU FDUYH RXW ³PRPP\ DQG GDGG\ WLPH´ LV RYHU DQG SUREDEO\ D ZHOFRPH FKDQJH ,I \RXU NLGV PDGH \RX IHHO JXLOW\ DERXW GRLQJ DQ\WKLQJ IXQ ZLWKRXW WKHP WKLV LV SUREDEO\ SDVW KLVWRU\ 7UDYHOLQJ RU HQWHU WDLQLQJ DW KRPH" 6XGGHQO\ PXFK OHVV VWUHVVIXO <RX KDYH WKH RSSRUWXQLW\ IRU PHDQLQJIXO GLVFXVVLRQV ,W¶V RQH WKLQJ WR GLVFXVV PDWWHUV RI IDLWK ZKHQ WKH\¶UH %XW DV \RXQJ DGXOWV WKH RQJRLQJ GLDORJXH DERXW IDLWK SKLORVRSK\ DQG FKDUDFWHU KDV OLIH DOWHULQJ SRWHQWLDO 7KH\ PD\ FRPH WR \RX IRU VSLULWXDO JXLGDQFH RU HWKLFDO GL OHPPDV DQG HQJDJLQJ WKHP LQ VXFK FRQYHUVDWLRQV ZLWK FRPSDVVLRQ DQG XQGHUVWDQGLQJ FDQ KDYH VRXOIXO FRQVHTXHQFHV <RX PD\ KDYH PRUH KRXVHKROG KHOS ,W¶V QLFH ZKHQ WKHUH DUH VWURQJ DUPV DURXQG FDSDEOH RI RSHUDWLQJ D YDFXXP WKH PLFURZDYH DQG WKH ZDVKLQJ PDFKLQH (YHQ LI \RX KDYH WR QDJ VHQG LQJ WKHP WR WKH JURFHU\ VWRUH LV D SHUN $QG LW¶V HDV\ WR IRUJHW WKDW MXVW D VKRUW WLPH DJR \RX KDG WR GUDJ WKHP ZLWK \RX RQ WKRVH ERULQJ HUUDQGV EXW QRZ WKH\ FDQ VWD\ EHKLQG KDSSLO\ ,I \RX SD\ DWWHQWLRQ RQO\ WR WKH PHGLD DQG WKH ODWHVW EHVW VHOOLQJ QRQ¿FWLRQ \RX PD\ EH KRUUL¿HG DQG FRQYLQFHG RXU WHHQV EHORQJ WR *HQHUDWLRQ :KDWHYHU *HQHUDWLRQ 0H RU ZRUVH <RX FRXOG EH PLVOHG VLQFH WKHUH DUH SOHQW\ RI ZRQGHUIXO TXDOLWLHV HPHUJLQJ LQ DGROHVFHQFH :H MXVW KDYH WR EH SDWLHQW HQRXJK WR ZDLW DQG VHQVL WLYH HQRXJK WR QRWLFH 0LFKHOH 5DQDUG KDV D KXVEDQG WZR FKLOGUHQ DQG D PDVWHU¶V LQ FRXQVHOLQJ (GLWRU V 1RWH $ YHU\ KHOSIXO KRZ WR SDUHQW D WHHQ ERRN LV *HW 2XW RI 0\ /LIH EXW )LUVW &RXOG <RX 'ULYH 0H &KHU\O WR WKH 0DOO $ 3DUHQW V *XLGH WR WKH 1HZ 7HHQDJHU E\ $QWKRQ\ ( :ROI 3K ' 'U :ROI LV D SUDFWLFLQJ FOLQLFDO SV\FKRORJLVW ZKR KDV ZRUNHG ZLWK FKLOGUHQ DGROHVFHQWV DQG WKHLU SDUHQWV IRU PRUH WKDQ WKLUW\ \HDUV +H RIIHUV DGYLFH WR KHOS SDUHQWV XQGHUVWDQG WKH GLI¿FXOW DQG UHEHOOLRXV SKDVH RI WHHQV 7KLV ERRN KHOSV SDUHQWV XQGHUVWDQG WKHLU WHHQ V VWUXJJOH EHWZHHQ LQGHSHQGHQFH DQG EHLQJ VWLOO GHSHQGHQW WKHLU QHHG WR H[SORUH WKH ZRUOG DQG WHVW WKH OLPLWV DQG PRUH 7ZR JUHDW PHVVDJHV WR SDUHQWV IURP WKLV ERRN LV \RX DUH QRW DORQH DQG LW ZLOO SDVV \RXU WHHQ ZLOO RXWJURZ WKLV SKDVH DQG PRUH WKDQ OLNHO\ EHFRPH D IXQFWLRQDO DGXOW VRPHGD\ ZLWK \RXU SDWLHQFH SHUVLVWHQFH ORYH DQG VXSSRUW $YDLO DEOH LQ SDSHUEDFN NLQGOH DXGLR &' DQG DXGLEOH ERRN
3LFNV %DFN WR 6FKRRO GLWRU¶V ( )XQFWLRQ )DVKLRQ
+RPH 2Q WKH *R 6WRUDJH ,QYHQWLRQ 3RS¶HP XS IROG¶HP GRZQ &OHYHU &UDWHV DUH WKH VPDUWHVW HDVLHVW ZD\ WR RUJDQL]H DQG WUDQVSRUW KRXVHKROG LWHPV 7KH VHFUHW LV WKH XQLTXH OLJKWZHLJKW DQG FROODSVLEOH OLIW SRS DQG SDFN GHVLJQ WKDW FUHDWHV D VSDFLRXV FRQWDLQHU WKDW FDQ EH IROGHG VWDFNHG DQG VWRUHG DZD\ DOPRVW DQ\ZKHUH &RPHV LQ D YDULHW\ RI FRORUV DQG VL]HV ZZZ FOHYHUFUDWHV FRP DQG UHWDLOHUV WKURXJKRXW 1RUWK $PHULFD
5REHUW 0DWWKHZ 6W\OLVK 7RWH 'HVLJQHG IRU WKH EXV\ ZRPDQ ZKR WUXO\ QHHGV D EDJ IRU DOO RFFDVLRQV URRP WR VWRUH KHU EHORQJLQJV ZKLOH VWLOO URFNLQJ UHG FDUSHW VW\OH 7 KH 5REHUW 0DWWKHZ FROOHFWLRQ PDNHV WKH FRQVXPHU IHHO OLNH VKH FDQ WDNH RQ WKH ZRUOG DQG ORRN JRRG GRLQJ LW $QLPDO IULHQGO\ SX OHDWKHU OLJKW URVH JROG KDUGZDUH UKLQHVWRQH GHVLJQHU GHWDLO FKDLQ DQG OHDWKHU VWUDS &RPHV LQ D YDULHW\ RI FRORUV 5REHUW 0DWWKHZ DOVR RIIHUV VKRXOGHU EDJV KDQG EDJV ZDOOHWV DQG FOXWFKHV ZZZ UREHUWPDWWKHZ FRP
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
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
+\WDLO +DW 'HVLJQHG E\ ZRPHQ IRU ZRPHQ +\WDLO +DW LV WKH RQO\ EDVHEDOO FDS RI LWV NLQG FUHDWHG WR PHHW D JLUO¶V ZRPDQ¶V QHHG WR FRPIRUWDEO\ ZHDU KHU KDLU LQ D KLJK SRQ\WDLO ZKLOH ZHDULQJ D KDW &RPELQHV WKH VWUHDPOLQHG DSSHDUDQFH RI WKH FODVVLF EDVHEDOO FDS ZLWK D IHPLQLQH IULHQGO\ GHVLJQ IRU D KLJK OHYHO RI IXQFWLRQDOLW\ DQG IDVKLRQ /LIWV WKH KDLU RII WKH EDFN RI KHU QHFN NHHSLQJ KHU FRRO DQG KHU SRQ\WDLO XS WRS ZKHWKHU VKH LV RQ D UXQ ZRUNLQJ RXW SOD\LQJ WHQQLV VLJKWVHHLQJ OD\LQJ RQ WKH EHDFK RU VDLOLQJ WKH RSHQ VHDV &RPHV LQ D YDULHW\ RI FRORUV ZZZ DGDFWLYHZHDU FRP
7KH &DUG &XEE\ 7KH &DUG &XEE\ LV WKH ¿UVW VW\OLVK \HW IXQFWLRQDO DOSKDEHWL]HG ZDOOHW WKDW¶V GHVLJQHG WR WDNH WKH KDVVOH RXW RI NHHSLQJ WUDFN RI FUHGLW FDUGV DQG JLIW FDUGV $ PLQL ¿OLQJ FDELQHW HDFK RQH IHDWXUHV FRORU FRRUGLQDWHG DOSKDEHWL]HG GLYLGHUV D ]LSSHUHG SRFNHW IRU KROGLQJ FKDQJH DQG ELOOV ZKLOH HDVLO\ WRWHG LQ SXUVHV DQG EDFNSDFNV &RPHV LQ D YDULHW\ RI FRORUV ZZZ FDUGFXEE\ FRP DQG UHWDLOHUV DFURVV WKH 86
6HSWHPEHU 2FWREHU
D 4XLFN %LWV
7(&+12 .,'6
7KH DYHUDJH DJH RI D ¿UVW WLPH FHOO SKRQH RZQHU LV VL[ \HDUV ROG ZLWK RI $PHULFDQ FKLOGUHQ RZQLQJ D FHOO SKRQH E\ WKH WLPH WKHLU VHYHQWK ELUWKGD\ DUULYHV
6WXGHQW 3V\FKH 5HSRUW RI
3URFUDVWLQDWLRQ
$ VXUYH\ FRQGXFWHG E\ 9RXFKHUFORXG DVNHG SDUHQWV ZLWK FKLOGUHQ EHWZHHQ DQG \HDUV ROG ZKDW NLQG RI WHFKQRORJ\ GHYLFHV WKHLU FKLOGUHQ RZQ &HOO 3KRQH 2ZQ 79 6RXQG V\VWHP 7DEOHW +DQGKHOG JDPHV FRQVROH H J 1LQWHQGR '6 H%RRN 5HDGHU *DPH FRQVROH ;ER[ 3OD\VWDWLRQ HWF
9RXFKHUFORXG DOVR DVNHG KRZ PXFK PRQH\ KDG EHHQ VSHQW RQ WKHLU FKLOG¶V FROOHFWLRQ 7KH DYHUDJH DQZVHU ZDV SHU FKLOG 3DUHQWV ZHUH DVNHG ZKDW PDGH WKHP GHFLGH WR JHW WKHLU FKLOG WKHLU ¿UVW FHOO SKRQH VDLG IRU VHFXULW\ UHDVRQV VDLG WR NHHS LQ WRXFK ZLWK IULHQGV DQG IDPLO\ VDLG VR WKHLU FKLOG FRXOG NHHS XS ZLWK IULHQGV DW VFKRRO RI SDUHQWV VXUYH\HG FRQIHVVHG WKDW WKH\ IHOW FRQFHUQHG DERXW ULVNV DQG GDQJHUV RI GLJLWDO LQGHSHQGHQFH ZKHQ SXUFKDVLQJ D FHOO SKRQH IRU WKHLU \RXQJ FKLOG RI WKRVH FRQFHUQHG LQVWDOOHG SDUHQWDO ¿OWHUV DQG PRQLWRUV SULRU WR JLYLQJ WKHLU FKLOG WKH GHYLFH LQ RUGHU WR NHHS D ZDWFKIXO H\H RQ WKHLU XVDJH YRXFKHUFORXG QHW
6WXG\0RGH VXUYH\HG KLJK VFKRRO DQG FROOHJH VWXGHQWV DQG IRXQG WKDW SURFUDVWLQDWH RQ WKHLU VFKRROZRUN VD\ WKHLU SURFUDVWLQDWLRQ QHJD WLYHO\ LPSDFWV WKHLU JUDGHV RQ DW OHDVW D IDLUO\ UHJXODU EDVLV RI VWXGHQWV ¿QLVK SURMHFWV WKH QLJKW EHIRUH WKH\ DUH GXH ¿QLVK DVVLJQPHQWV WR PRUQLQJ RI FODVV DQG DVN IRU DQ H[WHQVLRQ 7RS GLVWUDFWLRQV LQFOXGH ZDWFKLQJ WHOHYLVLRQ RU PRY LHV 1R XVLQJ VRFLDO PHGLD DQG VOHHSLQJ RI IHPDOH KLJK VFKRRO VWXGHQWV VDLG VRFLDO PH GLD LV ZKDW WKH\ PRVW OLNHO\ GR LQVWHDG RI KRPHZRUN RI PDOH KLJK VFKRRO VWXGHQWV VDLG SOD\LQJ JDPHV LV ZKDW WKH\ PRVW OLNHO\ GR
RI VWXGHQWV VD\ WKH\ SURFUDVWLQDWH EHFDXVH RI IHHOLQJ RYHUZKHOPHG DQG EHFDXVH WKH\ GRQ¶W NQRZ *LUOV <RXQJ :RPHQ :LWK 6XJJHVWLYH 6RFLDO 0HGLD 3KRWRV ZKHUH WR VWDUW
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
$UH 6HHQ $V /HVV &RPSHWHQW
*LUOV DQG \RXQJ ZRPHQ ZKR SRVW VXJJHVWLYH RU UHYHDOLQJ SKRWRV RQ VRFLDO PHGLD VLWHV VXFK DV )DFHERRN DUH YLHZHG E\ WKHLU IHPDOH SHHUV DV OHVV SK\VLFDOO\ DQG VRFLDOO\ DW WUDFWLYH DQG OHVV FRPSHWHQW WR SHUIRUP WDVNV UHSRUWV D QHZ VWXG\ IURP 2UHJRQ 6WDWH 8QLYHUVLW\ LQGLFDWHV ³7KH UHVHDUFK DOVR KLJKOLJKWV WKH QHHG IRU PRUH GLVFXVVLRQ DERXW JHQGHU UROHV DQG DWWLWXGHV SDUWLFXODUO\ UHJDUGLQJ JLUOV DQG \RXQJ ZRPHQ ´ VD\V UHVHDUFKHU (OL]DEHWK 'DQLHOV DQ DVVLVWDQW SURIHVVRU RI SV\FKRORJ\ ZKR VWXGLHV WKH HIIHFW RI PHGLD RQ JLUOV¶ ERG\ LPDJH *LUOV DQG \RXQJ ZRPHQ VKRXOG VHOHFW VRFLDO PHGLD SKRWRV WKDW VKRZFDVH WKHLU LGHQWLW\ UDWKHU WKDQ KHU DSSHDUDQFH VXFK DV RQH IURP D WULS RU RQH WKDW KLJKOLJKWV SDUWLFLSDWLRQ LQ D VSRUW RU KREE\ 'RQ¶W IRFXV VR KHDYLO\ RQ DSSHDUDQFH IRFXV RQ ZKR \RX DUH DV D SHUVRQ DQG ZKDW \RX GR LQ WKH ZRUOG 2UHJRQ 6WDWH 8QLYHUVLW\
6HSWHPEHU 2FWREHU
RI FROOHJH VWXGHQWV KDYH SXOOHG DQ DOO QLJKWHU WR ¿QLVK DQ DVVLJQPHQW WKLV \HDU 6WXG\0RGH
1HZ 5HSRUW 8 6 7HHQV 6D\ 7KH\ $UH 6OHHS 'HSULYHG DQG 6WUHVVHG $PHULFDQ WHHQV VD\ WKH\ DUHQ¶W JHWWLQJ HQRXJK VOHHS QHHG KHOS PDQDJLQJ DQG UHGXFLQJ VWUHVV DQG DUH FRQFHUQHG DERXW PHQWDO KHDOWK QHHGV LQ WKHLU FRPPXQLWLHV DFFRUGLQJ WR D WHHQ OHG UHVHDUFK VWXG\ RI QHDUO\ \RXWK DJHV WR ³,W LV D YLFLRXV F\FOH VOHHS GHSULYDWLRQ OHDGV WR VWUHVV LQ VFKRRO LQFOXGLQJ GD\WLPH GURZVLQHVV DQG SRRU VFKRRO SHUIRUPDQFH HPRWLRQDO DQG PHQWDO VWUHVV VXFK DV GHSUHVVLRQ DQG PRRG SUREOHPV SK\VLFDO KHDOWK SUREOHPV LQFOXGLQJ REHVLW\ DQG KLJK ULVN EHKDYLRUV VXFK DV VXEVWDQFH DEXVH DQG GURZV\ GULYLQJ ´ VDLG 'U 0DUWKD 0ROLQD %HUQDGHWW IDPLO\ SK\VLFLDQ DQG IRXQGHU RI WKH 0ROLQD )RXQGDWLRQ 1DWLRQDO + &RXQFLO DQG 0ROLQD +HDOWKFDUH
:9 )DPLO\ 0DJD]LQH 6FKRODUVKLS :9 )DPLO\ 0DJD]LQH 6FKRODUVKLS LV D RQH WLPH JLIW DZDUGHG WR RQH HOLJLEOH KLJK VFKRRO VHQLRU ZKR VKRZV OHDGHUVKLS DQG FRPPXQLW\ VHUYLFH 7KLV DZDUG PD\ EH XVHG WRZDUG FROOHJH WXLWLRQ URRP DQG ERDUG ERRNV DQG VXSSOLHV RU WUDYHO $SSOLFDQW PXVW EH D KLJK VFKRRO VHQLRU ZKR LV D SHUPDQHQW UHVL GHQW RI :9 DQG DWWHQGLQJ D :9 KLJK VFKRRO PXVW EH DFFHSWHG WR D :9 VWDWH FROOHJH KDYH ¿QDQFLDO QHHG IRU DVVLVWDQFH PDMRULQJ LQ D FRPPXQLFDWLRQV UHODWHG ¿HOG EXW QRW OLPLWHG WR FRPPXQLFD WLRQV DQG PXVW KDYH DQ RYHUDOO *3$ RI RU EHWWHU DW WKH WLPH RI DSSOLFDWLRQ
6FKRODUVKLS LV RSHQ WR VXEPLVVLRQV IURP 1RY 0DUFK
$SSOLFDQW PXVW ZULWH DQ HVVD\ WRSLF WR EH DQQRXQFHG LQFOXGH RI¿FLDO KLJK VFKRRO WUDQVFULSWV WZR OHWWHUV RI UHFRPPHQGDWLRQ DQG SURYLGH D FRS\ RI DFFHSWDQFH OHWWHU IURP FROOHJH )RU IXOO GHWDLOV RI HOLJLELOLW\ FULWHULD VXEPLVVLRQ UHTXLUHPHQWV DQG JXLGHOLQHV JR WR ZZZ :9)DPLO\2QOLQH FRP DQG FOLFN RQ :9 )DPLO\ 0DJD]LQH 6FKRODUVKLS
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
$WWUDFWLYH 2SWLPLVWLF
:D1W(GQ G
)5LH D E(VW 7 UX V7:RUWK\
0X6W E( /LJ(QW /RYLQ* \$O L1WHO H1HU OR
2' OLV7 5DO JR VWLF I8QQ\ 0R$WH D7UDFWLYH RS7LPL FRPSDVVLRQ
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
7KH %HVW 4XDOLWLHV LQ D 3HUVRQ
6HSWHPEHU 2FWREHU
%RRNV
0HHW +HFNHUW\ $ )XQQ\ )DPLO\ 6WRU\ERRN IRU /HDUQLQJ WR 5HDG 9ROXPH ERRNV 0HHW +HFNHUW\ ² \HDUV ROG KLODULRXV DQG ZLWK D KHDUW RI JROG +HFNHUW\ LV NLQG DQG JHQWOH DQG VKH OHDUQV HYHU\ GD\ IURP KHU RZQ VLOO\ PLVWDNHV .LGV ZLOO ODXJK WKHLU ZD\ WKURXJK +HFNHUW¶V ]DQ\ DGYHQWXUHV ZLWK KHU FDW =DQ]LEDU 7KURXJK PDJLFDO LQWHUDFWLYH LOOXVWUD WLRQV DQG DQLPDWLRQV UHDGHUV GLVFRYHU LPSRUWDQW OLIH YDOXHV FDULQJ LQFOXVLYHQHVV OR\DOW\ DQG LQWHJULW\ 5HFRPPHQGHG IRU DJHV 3URGXFHG E\ %URRPVWLFN 3URGXFWLRQV $YDLODEOH LQ SDSHUEDFN H%RRN $SS DQG $XGLR ERRN %RRN .LQGOH )UHH $SS 6QXJJOH %XQQ\ 6HULHV ERRNV
:ULWWHQ E\ $QQD $ZDUG ,OOXVWUDWHG E\ $QJLH +LFNV 6QXJJOH %XQQ\ VHULHV LV FHUWDLQ WR GHOLJKW SDUHQWV DQG WKHLU RZQ VQXJJOH EXQQLHV 6QXJJOH %XQQ\ SURYLGHV SOHQW\ RI RSSRU WXQLWLHV IRU SDUHQW FKLOG LQ WHUDFWLRQ DV KH JHWV GUHVVHG KDV D VSHFLDO GD\ RXW KDV GLQQHU DQG JHWV UHDG\ IRU EHG 5HFRPPHQGHG IRU DJHV 3XEOLVKHG E\ $ZDUG 3XEOLFDWLRQV 0D\ ERDUG ERRN SJV HD
#&Q '' 4 #*Q )*Q ( Q )P
#;FF /?ACMNL;NCIH IH
.#55'5 56#46 7)756 GE 756 GE
10.;
*19 6*+5 #& 14 75' 6*' 5'%4'6 914& 61 )'6 691 %.#55'5 (14 6*' 24+%' 1( 10'T
1;5 #0& ;5 #0& +4.5 )'5 5 )'5
2'4 /106*^ PFJTIN
Hn72 n72
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
),! (.)1(-Q Q #*Q )*Q )'* (3@
3LFN 8S 'LQH ,Q 'HOLYHU\
:RUU\ :RR 0RQVWHUV 3OXVK %RRN 6HULHV ERRNV
:ULWWHQ LOOXVWUDWHG E\ $QGL *UHHQ $Q DZDUG ZLQQLQJ VHULHV RI ERRNV DQG SOXVK GROOV (PR WLRQV WKHPVHOYHV DUH WXUQHG LQWR ORYDEOH TXLUN\ FKDUDFWHUV WKDW HPEDUN RQ GHOLJKWIXO MRXUQH\V RI VHOI DZDUHQHVV &UHDWHG WR SURPRWH KHDOWK\ HPRWLRQDO ZHOOQHVV ZLWK DQ XSEHDW PHVVDJH RI ³+H\ LW¶V 2.´ DQG SUHVHQW WKH SHUIHFW RSSRUWXQLW\ WR RSHQO\ GLVFXVV WRSLFV WKDW GRQ¶W KDYH HDV\ DQVZHUV 5HFRP PHQGHG IRU DJHV 3XEOLVKHG E\ 0RQVWHUV LQ 0\ +HDG +DUG FRYHU ERRN SJV ´ WDOO SOXVK HDFK VHW ZZZ ZRUU\ZRRV FRP
Hassle Free Printing We Take Printing Seriously…Not Ourselves.
+.s #//# +.s #//#< +2 12 1T EGLM #4#61)# 8'TX 6#4 +6; EGLM #4# GNHgMMKgNJMF GNHgMMKgN .+.,#//#<�%'u#1.T%1/ .+.,#//#<&
3L]]D +RDJLHV
6XEV 6DODGV
$GXOWV $JH XQGHU GRHV QRW LQFOXGH GULQN $JH XQGHU )UHH ZLWK $GXOW %XIIHW
%LOO\ %URZQ 0RXVH 6HULHV ERRNV
:ULWWHQ E\ $QQD &DVDOLV %LOO\ %URZQ 0RXVH SURYLGHV SDUHQWV DQG FKLOGUHQ ZLWK HQGOHVV RSSRUWXQLWLHV IRU LQWHUDFWLRQ DV WKH\ H[SORUH WKHLU ZRUOG DORQJ ZLWK WKH ZRUOG RI %LOO\ %URZQ 0RXVH /LWWOH RQHV FDQ H[SORUH QXPEHUV VKDSHV FRORUV RSSRVLWHV DQG KRZ WR JHW UHDG\ IRU WKH GD\ DV WKH\ WRXFK DQG WUDFH WKH VSHFLDO WRXFK DQG IHHO ZRUGV 5HFRPPHQGHG IRU DJHV 3XE OLVKHG E\ $ZDUG 3XEOLFDWLRQV 0D\ ERDUG ERRN SJV HDFK
6;.'5 (('4'&U ˜ +2 12 ˜˜ 4'#-�%+0) 4'# ˜˜ 6#2 6#2 ˜˜ #610 #61 ˜˜ #<< #<< ˜˜ 7/$.+0) 7/ ˜˜ n I 1/2'6+6+10 n I '#/5^ '#/
$OO <RX &DQ (DW 3L]]D DQG 6DODG %XIIHW
6HSWHPEHU 2FWREHU
%RRNV
%RRNV
5W 6RXWKIRUN &HQWHU %XFNKDQQRQ
Call 210-804-0390 for Special Online Pricing 5,000 postcards $149 10,000 flyers $349
PLANT TOURS AVAILABLE!
1,000 magazines $995 (16 pages, 60# paper)
Visit us at www.shweiki.com CONTACT US TO SCHEDULE YOUR PLANT TOUR 210-804-0390 EMAIL SAMPLES@SHWEIKI FOR A FREE QUOTE OR CALL 512-480-0860
(GXFDWLRQ 6WDWLRQ
7KH .H\V WR &ROOHJH $ 5RDG 0DS IRU 3DUHQWV WR *XLGH 7KHLU &KLOGUHQ :ULWWHQ E\ 0RQLFD %HWVRQ 0RQWJRPHU\ $ UHVRXUFHIXO KDQGERRN WKDW GHP\VWL¿HV WKH VWHSV QHHGHG WR SUHSDUH SDUHQWV DQG WKHLU FKLOGUHQ IRU FRO OHJH 3DFNHG ZLWK FRQFLVH DQG DFFXUDWH LQIRUPDWLRQ LW RIIHUV SRZHUIXO WRROV IRU DQ\ SDUHQW GHGLFDWHG WR WKH RQJRLQJ HGXFDWLRQ RI WKHLU VWXGHQW :ULWWHQ LQ D QR QRQVHQVH HDV\ WR XQGHUVWDQG VW\OH WKLV ERRN LV D PXVW UHDG IRU SDUHQWV ZDQWLQJ WR HIIHFWLYHO\ QDYL JDWH WKHLU ZD\ WKURXJK WKHLU VWXGHQW¶V HGXFDWLRQDO FDUHHU IURP JUDGH VFKRRO WKURXJK KLJK VFKRRO DQG EH\RQG 5HF RPPHQGHG IRU SDUHQWV 3XEOLVKHG E\ 00 $VVRFLDWHV -XQH SDSHUEDFN SDJHV
$Q[LRXV .LGV $Q[LRXV 3DUHQWV :ULWWHQ E\ 5HLG :LOVRQ 3K ' DQG /\QQ /\RQV /,&6: 2QH LQ HYHU\ ¿YH NLGV VXIIHUV IURP D GLDJQRVDEOH DQ[LHW\ GLVRUGHU +RZ GR \RX PDQ DJH D FKLOG ZKR JHWV VWRPDFKDFKHV HYHU\ VFKRRO PRUQLQJ ZKR UHIXVHV DIWHU VFKRRO DFWLYLWLHV RU ZKR LV WUDSSHG LQ WKH EDWKURRP ZLWK FRPSXO VLYH ZDVKLQJ" 7KLV ERRN RIIHUV D FRQFUHWH SODQ ZLWK NH\ SULQFLSOHV WKDW IRVWHU FKDQJH $QG VLQFH QHZ UHVHDUFK UHYHDOV KRZ DQ[LRXV SDUHQWV W\SLFDOO\ PDNH IRU DQ[LRXV FKLOGUHQ WKH ERRN RIIHUV H[HUFLVHV DQG WHFKQLTXHV WR FKDQJH ERWK WKH FKLOGUHQ¶V DQG WKH SDUHQWDO SDWWHUQV RI WKLQNLQJ DQG EHKDYLQJ 5HFRPPHQGHG IRU SDUHQWV 3XEOLVKHG E\ +&, %RRNV -XQH SDSHUEDFN
/LYH 2QOLQH 6SHFLDO (GXFDWLRQ 6HUYLFHV
'XFW 7DSH 3DUHQWLQJ :ULWWHQ E\ 9LFNL +RHÀH 7LPH WHVWHG WRROV DQG VWUDWHJLHV WKDW KHOS SDUHQWV WDNH D VWHS EDFN VR WKH NLGV FDQ VWHS XS HPEUDFH PLVWDNHV DQG OHDUQ OLIH ORQJ FRQ¿GHQFH DORQJ WKH ZD\ 7KH DXWKRU¶V XOWLPDWH JRDO LV WR KHOS SDUHQWV UDLVH NLGV WKDW ZLOO RQH GD\ OHDYH WKH QHVW DQG EHFRPH VXFFHVVIXO FRQWULEXWRUV WR VRFLHW\ $XWKRU 9LFNL LV DQ ,&) FHUWL¿HG FRDFK ZLWK RYHU WZR GHFDGHV RI FRDFKLQJ IDPLOLHV +HU HQJDJLQJ SUHVHQWDWLRQ VW\OH NHHSV KHU LQ GHPDQG DV DQ HGXFDWRU VSHDNHU DQG IDFLOLWDWRU DFURVV WKH FRXQWU\ 5HFRP PHQGHG IRU SDUHQWV 3XEOLVKHG E\ %LEOLRPRWLRQ $XJXVW SDSHUEDFN
7DNH ,W )URP 7HPSOH 7LSV IRU :RUNLQJ ZLWK &KLOGUHQ ZLWK $XWLVP E\ 'U 7HPSOH *UDQGLQ 7KH &HQWHUV IRU 'LVHDVH &RQWURO &'& DQG 3UHYHQWLRQ UHSRUWV WKDW LQ FKLOGUHQ KDYH EHHQ LGHQWL¿HG ZLWK DXWLVP VSHFWUXP GLVRUGHU $6' 7KLV IUHH H%RRN RIIHUV VSHFLDO HGXFDWRUV DGPLQLVWUDWRUV DQG IDPLOLHV SUDFWLFDO DGYLFH IRU HGXFDWLQJ FKLOGUHQ ZLWK DXWLVP IURP OHDGLQJ DXWLVP H[SHUW 'U 7HPSOH *UDQGLQ 3URYLGLQJ SURSHU VXSSRUW WR VWXGHQWV ZLWK DXWLVP LV HVVHQWLDO IRU HQVXULQJ WKH\ SURJUHVV DFDGHPLFDOO\ DQG VRFLDOO\ :LWK VXFK D ZLGH UDQJH RI FKDUDFWHULVWLFV DFURVV WKH DXWLVP VSHFWUXP WHDFKHUV WKHUDSLVWV FDUHJLYHUV DQG IDPLOLHV PXVW XQGHUVWDQG WKH VSHFL¿F QHHGV RI WKH LQGLYLGXDO FKLOG SD\LQJ VSHFLDO DWWHQWLRQ WR KLV RU KHU KDELWV WULJJHUV DQG PRVW LPSRUWDQWO\ WKHLU RIWHQ RYHUORRNHG VWUHQJWKV 5HFRPPHQGHG IRU SDUHQWV 3XEOLVKHG E\ 3UHVHQFH /HDUQLQJ KWWS SUHVHQFHOHDUQLQJ FRP UHVRXUFHV OLEUDU\ WHPSOH JUDQGLQ WLSV ZRUNLQJ ZLWK FKLOGUHQ DXWLVP
Ž LJŽƵ ŬŶŽǁ Ă ĐŚŝůĚ ǁŚŽ ŝƐ ŶŽƚ͗ ΎŵŽǀŝŶŐ ΎŚĞĂƌŝŶŐ Ύ ƐĞĞŝŶŐ Ύ ůĞĂƌŶŝŶŐ Žƌ ΎƚĂůŬŝŶŐ ůŝŬĞ ŽƚŚĞƌƐ ƚŚĞŝƌ ĂŐĞ͍
ϭͲϴϲϲͲϯϮϭͲϰϳϮϴ
ts ŝƌƚŚ ƚŽ dŚƌĞĞ ƐĞƌǀŝĐĞƐ ĂŶĚ ƐƵƉƉŽƌƚƐ ĂƌĞ ƉƌŽǀŝĚĞĚ ƵŶĚĞƌ WĂƌƚ ŽĨ ƚŚĞ ŝŶĚŝǀŝĚƵĂůƐ ǁŝƚŚ ŝƐĂďŝůŝƚŝĞƐ Đƚ ;/ Ϳ ĂŶĚ ĂĚŵŝŶŝƐƚĞƌĞĚ ƚŚƌŽƵŐŚ ƚŚĞ ts ĞƉĂƌƚŵĞŶƚ ŽĨ ,ĞĂůƚŚ ĂŶĚ ,ƵŵĂŶ ZĞƐŽƵƌĐĞƐ͕ KĨĨŝĐĞ ŽĨ DĂƚĞƌŶĂů͕ ŚŝůĚ ĂŶĚ &ĂŵŝůLJ ,ĞĂůƚŚ͘
)$0,/< $1' ,03/$17 '(17,675< 7KRPDV ( &RQGURQ ' ' 6 &RXUW 6WUHHW &ODUNVEXUJ :9
:H &DQ 0DNH $ 'LIIHUHQFH
+LJKODQG $GYHQWLVW 6FKRRO 2XWVWDQGLQJ &KULVWLDQ (GXFDWLRQ IRU *UDGHV . &KULVW FHQWHUHG 6WXGHQW IRFXVHG Ɣ Ɣ Ɣ Ɣ Ɣ
4XDOL¿HG FDULQJ FUHDWLYH WHDFKHUV 7HVW VFRUHV DERYH QDWLRQDO DYHUDJHV 0XVLF DQG $UW /LIHWLPH ¿WQHVV WUDLQLQJ 6HUYLFH SURMHFWV DQG ¿HOG WULSV 2OG /HDGVYLOOH 5RDG (ONLQV :9
ZZZ KLJKODQGDGYHQWLVWVFKRRO RUJ
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
ǁǁǁ͘ǁǀĚŚŚƌ͘ŽƌŐͬďŝƌƚŚϮϯ
ǀĞƌLJ ĐŚŝůĚ ĚĞƐĞƌǀĞƐ Ă 'Z d ^d Zd͊
6HSWHPEHU 2FWREHU
0,''/(72:1 0$// )DOO (YHQWV 6HS 0DOO &ORVHG /DERU 'D\ 6HS %DSWLVW 7HPSOH 3UHVFKRRO &RQVLJQPHQW 6DOH )UL DP SP 6DW DP SP
6HS 0RXQWDLQHHU +RWZKHHOV &OXE DP SP
6HS 0DULRQ &R 3UHSDUHGQHVV ([SR DP SP
2FW &OLS IRU WKH &XUH %UHDVW &DQFHU $ZDUHQHVV (YHQW DP SP
2FW :KLWH +DOO -RE )DLU %XVLQHVV ([SR DP SP
2FW +DOORZHHQ 3DUDGH SP
0LGGOHWRZQ 0DOO :KLWH +DOO :9
ˆ )DPLO\ &DOHQGDU
6HSWHPEHU 2FWREHU
'HDGOLQH IRU WKH QH[W LVVXH LV 2FW 7KH QH[W LVVXH ZLOO EH RQ VKHOYHV 1RYHPEHU 'HFHPEHU DQG LV RXU +ROLGD\ LVVXH 6HQG XV \RXU IDPLO\ IULHQGO\ FDOHQGDU HYHQW RU KROLGD\ HYHQW 3OHDVH FDOO RU HPDLO LQIR#ZYIDPLO\PDJD]LQH FRP 3URYLGLQJ ,QVSHFWLRQ DQG 3HUPLWWLQJ 6HUYLFHV WR WKH (QHUJ\ ,QGXVWU\
&DOHQGDU DOVR OLVWHG RQ RXU FDOHQGDU SDJH DW ZZZ :9)DPLO\2QOLQH FRP
&XUUHQWO\ VWDI¿QJ RLO DQG JDV SURIHVVLRQDOV LQ WKH SURMHFW PDQDJHPHQW LQVSHFWLRQ DQG SHUPLWWLQJ ¿HOGV 3OHDVH YLVLW RXU ZHEVLWH IRU HPSOR\PHQW LQIRUPDWLRQ
ZZZ HONHQHUJ\VHUYLFHV FRP 8SVKXU &RXQW\ +HDG 6WDUW 6,*1 83 12: ‡ ‡ ‡ ‡
&KLOGUHQ \HDUV ROG )XOO GD\ DQG SUH . DYDLODEOH &KLOGUHQ ZLWK VSHFLDO QHHGV ZHOFRPH )UHH VHUYLFHV WR HOLJLEOH FKLOGUHQ
&OHYHODQG $YHQXH %XFNKDQQRQ :9
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
8SVKXU +XPDQ 5HVRXUFHV ,QF GRHV QRW GLVFULPLQDWH RQ WKH EDVLV RI UDFH VH[ DJH KDQGLFDS UHOLJLRQ RU QDWLRQDO RULJLQ
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±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
:(67 9,5*,1,$
)$0,/<
0 $ * $ = , 1 ( 6HSWHPEHU 2FWREHU
1RZ LQ RXU WK <HDU RI 6HUYLQJ :9 IDPLOLHV DQG EXVLQHVVHV
7UDLQ 5LGHV DW 'XUELQ *UHHQEULHU 9DOOH\ 5DLOURDG (ONLQV :9 2IIHULQJ )LYH 0RXQWDLQ 5DLO $GYHQWXUHV HDFK ZLWK LWV RZQ XQLTXH MRXUQH\ LQWR VRPH RI WKH EHVW VFHQHU\ WKLV VLGH RI WKH 5RFNLHV 7KH 3RODU ([SUHVV 5LGHV EHJLQ 1RYHPEHU ± UHVHUYH \RXU WLFNHWV WRGD\ 0WQ UDLO FRP RU FDOO 0RQRQJDOLD &RXQW\ +HDOWK 'HSDUWPHQW :,& :RPHQ ,QIDQWV DQG &KLOGUHQ 3URJUDP (OPHU 3ULQFH 'ULYH 0RUJDQWRZQ :9 2I IHUV QXWULWLRXV IRRGV QXWULWLRQ FRXQVHOLQJ DQG EUHDVW IHHGLQJ VXSSRUW &RQWLQXHG RQ SDJH
6DIHW\ 7LSV IRU 7ULFN RU 7UHDWLQJ ‡ 3DUHQWV VKRXOG VXSHUYLVH \RXQJHU FKLOGUHQ ‡ &RQVLGHU XVLQJ PDNHXS LQVWHDG RI D PDVN WR SUHYHQW YLVLRQ LVVXHV ‡ 7KHUH LV VDIHW\ LQ QXPEHUV EH VXUH \RXU FKLOG VWD\V ZLWK D JURXS RU ZLWK D EXGG\ ‡ 0DS RXW D URXWH DQG VWLFN WR LW ‡ +DYH \RXU FKLOG FDUU\ D FHOO SKRQH RU WZR ZD\ UDGLR WR VWD\ LQ FRQWDFW ‡ 6WD\ LQ QHLJKERUKRRGV \RX NQRZ ‡ 8VH UHÀHFWLYH WDSH RU JORZ VWLFNV IRU YLVLELOLW\ ‡ 7DNH D ÀDVKOLJKW ‡ 8VH VLGHZDONV DQG FURVVZDONV ‡ $YRLG ORQJ VNLUWV FDSHV RU EDJJ\ SDQWV ZKLFK FRXOG FDXVH \RXU FKLOG WR WULS ‡ 7R SUHYHQW NLGV IURP SLJJLQJ RXW RQ FDQG\ ZKLOH 7ULFN RU 7UHDWLQJ JLYH WKHP D QXWULWLRXV VQDFN RU PHDO EHIRUH WKH\ JR ‡ ,QVSHFW FDQG\ 7KURZ DZD\ DQ\ XQZUDSSHG ORRVHO\ ZUDSSHG RU RWKHUZLVH VXVSLFLRXV LWHPV ‡ 'LYLGH FDQG\ LQWR SRUWLRQV WKDW FDQ EH HQMR\HG RYHU D ORQJHU WLPH VSDQ
7KH 6FDULHVW 3ODFHV LQ :HVW 9LUJLQLD 7UDQV $OOHJKHQ\ /XQDWLF $V\OXP :HVWRQ :9 /LVWHG DV RQH RI WKH 7RS 0RVW +DXQWHG 3ODFHV LQ $PHULFD E\ WKH 7UDYHO &KDQ QHO ZZZ WUDQV DOOHJKHQ\OX QDWLFDV\OXP FRP
+DXQWHG 3DUNHUVEXUJ *KRVW 7RXUV 3DUNHUVEXUJ :9 ZZZ ZYJKRVWV FRP 1RUWK %HQG 5DLO 7UDLO *KRVW :DON 1RUWK %HQG 6WDWH 3DUN &DLUR :9 *KRVW 7RXUV RI %HFNOH\ %HFNOH\ :9 7285 ZZZ ZHVWYLUJLQLD EHDXWLIXO FRP ZY JKRVW WRXUV EHFNOH\ KWPO *KRVW 7RXUV RI +DUSHUV )HUU\ +DUSHUV )HUU\ :9 ZZZ KDUSHUVIHUU\JKRVW P FRP 7KH 0RWKPDQ /HJHQG 3RLQW 3OHDVDQW :9 ZZZ PRWKPDQOLYHV FRP
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
:9 3HQLWHQWLDU\ 0RXQGVYLOOH :9 )HDWXUHG RQ $%& )DPLO\ V 6FDULHVW 3ODFHV 2Q (DUWK RU YLVLW ZZZ ZYSHQWRXUV FRP
6HSWHPEHU 2FWREHU
:(67 9,5*,1,$
)$0,/<
0 $ * $ = , 1 (
&RPSOHWH RXU 5($'(5 6859(< IRU D &+$1&( 72 :,1 D )DPLO\ *HWDZD\ WR &DQDDQ 9DOOH\ 5HVRUW 9DOXH 6HH SDJH
ˆ )DPLO\ &DOHQGDU FRQWLQXHG IUHH RI FKDUJH WR SUHJQDQW ZRPHQ SRVWSDUWXP ZRPHQ LQIDQWV FKLOGUHQ XS WR WKH DJH RI ¿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
:98 &RPPXQLW\ 0XVLF 3URJUDP )DOO 7HUP 5HJLVWUDWLRQ LV RQJRLQJ
KWWS PXVLF ZYX HGX FRPPXQLW\B PXVLFBSURJUDP $Q DFFUHGLWHG SURJUDP WKUX WKH 1DWLRQDO $VVRFLDWLRQ RI 6FKRROV RI 0XVLF
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
9LVLW RXU ,QWHUDFWLYH ZHEVLWH
)RU PRUH LQIRUPDWLRQ DQG XSFRPLQJ HYHQWV JR WR ZZZ SULFNHWWVIRUW RUJ
ZZZ :9)DPLO\0DJD]LQH FRP
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
1DWLYH $PHULFDQ :HHNHQG 2FW )UL ± 6DW DP SP DQG 6XQ ± SP ,QFOXGHV GLVSOD\V GHPRQVWUDWLRQV DQG KDQGV RQ DFWLYLWLHV
/LNH XV RQ )DFHERRN ZZZ IDFHERRN FRP ZYIDPLO\PDJD]LQH
)ROORZ XV RQ 7ZLWWHU ZZZ WZLWWHU FRP ZYIDPLO\PDJ
-RLQ XV RQ 3LQWHUHVW ZZZ SLQWHUHVW FRP ZYIDPLO\PDJ
6HSWHPEHU 2FWREHU
6HS :KLWH +DOO -RE )DLU %XVLQHVV ([SR 0LGGOHWRZQ 0DOO )DLUPRQW :9 D P WR S P
2FW )DOO )HVWLYDO 7UDQV $OOHJKHQ\ /XQDWLF $V\OXP :HVWRQ :9 7KLV )5(( IDPLO\ HYHQW LV D JUHDW ZHHNHQG RI IXQ 6XP PHU .QLJKWV &UX]LQ &DU 6KRZ &KLOGUHQ¶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³&OLS IRU WKH &XUH´ %UHDVW &DQFHU $ZDUHQHVV (YHQW 1RY 6HVDPH 6WUHHW /LYH DW :98 &UH 0LGGOHWRZQ 0DOO )DLUPRQW :9 D P WR DWLYH $UWV &HQWHU 0RUJDQWRZQ :9 7LFNHW S P PDVWHU FRP RU 6+2: ,QIRUPDWLRQ DERXW HYHQWV LV VXEMHFW WR FKDQJH 3OHDVH XVH WKH OLVWHG FRQWDFW LQIRUPDWLRQ IRU PRUH GHWDLOV RQ HYHQWV
8QVFUDPEOH WKHVH ZRUGV
/LVW ZRUGV WKDW GHVFULEH <RX
ODS\ XQI HDPJV U¿QGVH SDKS\ HUVKD HOYR
%
W 6
5
DFN R FKRRO LGGOH
:K\ GLG WKH WHDFKHU ZHDU VXQJODVVHV" WRKPHLVDWUXQGUHVQXWRV\ZRHEUTHDVIRZEWURLPJNKRW .LGV 3DJH &KDOOHQJH 7U\ WKHVH $FWV RI .LQGQHVV +ROG WKH GRRU RSHQ IRU VRPHRQH 2IIHU WR OHW D FODVVPDWH JR ÀUVW *LYH VRPHRQH D FRPSOLPHQW :ULWH D WKDQN \RX QRWH WR \RXU WHDFKHU +HOS D QHZ VWXGHQW 6PLOH
+RZ PDQ\ ZRUGV FDQ \RX PDNH RXW RI )ULHQGVKLS "
75< 7+,6 *$0( ,16,'( :+(1 <28 &$1 7 *2 287 72 3/$<
'XVW LV PDGH XS RI PDQ\ GLIIHUHQW SDUWLFOHV GLUW SROOHQ PROG FORWKLQJ ¿EHUV UXJ ¿EHUV KDLU GHDG VNLQ FHOOV SHW GDQGHU SROOXWDQWV DQG PRUH $OWKRXJK LW LV LPSRVVLEOH WR SHUPDQHQWO\ UHPRYH GXVW LW LV LPSRUWDQW WR FOHDQ UHJXODUO\
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¿QG D VDIH SODFH WR NHHS \RXU WLPH FDSVXOH XQWLO WKDW WLPH +LQW LI \RX KLGH LW \RX PD\ IRUJHW WR RSHQ LW ZKHQ \RX DUH VXSSRVH WR
3OD\ +LGH 6HHN ZLWK D VPDOO WR\ :KLOH RWKHUV OHDYH WKH URRP DQG FRYHU WKHLU H\HV RQH SHUVRQ KLGHV WKH WR\ VRPHZKHUH LQ WKH URRP :KRHYHU ¿QGV WKH WR\ ¿UVW JHWV WR KLGH LW QH[W
Name Poem
&UHDWH D SRHP XVLQJ \RXU QDPH
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
$0,*2 %8''< &+80 &205$'( )5,(1' 3$/ 6,'(.,&. &203$1,21
0\ PRP PDNHV PH GXVW HDFK ZHHN :KDW LV GXVW DQG ZKHUH GRHV LW FRPH IURP"
$QVZHU
7R ¿QG WKH DQVZHU UHDG HYHU\ RWKHU OHWWHU VWDUWLQJ ZLWK WKH ¿UVW OHWWHU
)LQG WKHVH IULHQGV LQ WKH SX]]OH
.,'6 $6.
6HSWHPEHU 2FWREHU
Ø)DPLO\ 3HWV
3HWV )LUH 6DIHW\ 2YHU )LUHV $UH 6WDUWHG %\ 3HWV (DFK <HDU %\ .LPEHUO\ 0F&DOOHQ
$ KRPH ¿UH LV UHSRUWHG HYHU\ VHFRQGV 7KH DYHUDJH QXPEHU RI UHVLGHQWLDO ¿UHV D \HDU LQ WKH 8 6 LV EHWZHHQ 2YHU RI WKRVH ¿UHV DUH VWDUWHG E\ SHWV (DFK \HDU DSSUR[LPDWHO\ SHWV DUH DIIHFWHG E\ ¿UHV LQ ZKLFK SHWV GLH 7KH IROORZLQJ WLSV DUH VXJJHVWHG E\ WKH $PHULFDQ .HQQHO $VVRFLDWLRQ WR KHOS SUHYHQW D KRPH ¿UH VWDUWHG E\ \RXU SHW y'R QRW OHDYH RSHQ ÀDPH FDQGOHV XQDWWHQGHG $ SHW FDQ NQRFN LW RYHU DFFLGHQWDOO\ VWDUWLQJ D ¿UH ,QYHVW LQ ÀDPHOHVV FDQGOHV LQVWHDG y5HPRYH RU ORFN NQREV RQ \RXU VWRYH 3HWV MXPSLQJ XS DJDLQVW
2FWREHU LV 1DWLRQDO )LUH 6DIHW\ 0RQWK WKH VWRYH DQG PRYLQJ WKH NQRE WR RQ SRVLWLRQ LV WKH QXPEHU RQH FDXVH RI SHW ¿UHV DFFRUGLQJ WR WKH 1DWLRQDO )LUH 3URWHFWLRQ $VVRFLDWLRQ y'R QRW OHDYH JODVV ZDWHU RU IRRG ERZOV LQ GLUHFW VXQOLJKW WKH\ FDQ KHDW XS DQG FDWFK ÀRRULQJ RU WKH GHFN RQ ¿UH y3HW SURRI \RXU KRPH PDNLQJ VXUH WKDW ZLULQJ LV RXW RI UHDFK 5HJXODUO\ FKHFN ZLUHV IRU VLJQV RI FKHZLQJ y,I OHDYLQJ \RXU SHW XQDWWHQGHG FRQ¿QH KLP RU KHU WR D VDIH DUHD DZD\ IURP SRWHQWLDO ¿UH KD]DUGV 6RPH SHWV JHW VWUHVVHG IURP EHLQJ OHIW DORQH DQG PD\ FKHZ RQ ZLUHV RU FRUGV
:(67 9,5*,1,$
3DUHQWLQJ 6SHFLDO 1HHGV
7KH RQOLQH PDJD]LQH VHUYLQJ WKH VSHFLDO QHHGV FRPPXQLW\ 3URYLGLQJ LQIRUPDWLRQ DQG LQVSLUDWLRQ WR SDUHQWV RI VSHFLDO QHHGV FKLOGUHQ RI DOO DJHV DQG VWDJHV LQ OLIH
)$0,/< 0 $ * $ = , 1 (
,Q 3ULQW
RQOLQH
)5(( 68%6&5,37,216
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z
ZZZ SDUHQWLQJVSHFLDOQHHGV RUJ
<RX FDQ ¿QG RXU HQWLUH LVVXH RQOLQH )5(( DQG HDVLO\ DFFHVVLEOH )XQ DQG LQWHUDFWLYH ' ÀLS SDJH YHUVLRQ 3OXV 3') YHUVLRQ IRU VPDUW GHYLFHV (TXLSSLQJ SDUHQWV GHYHORSLQJ IDPLOLHV )XQ )UHH 6LPSOH GDLO\ DFWLYLWLHV RIIHUHG IRU QHZERUQ EDELHV WR FKLOGUHQ DJH 999 241&7%6+8'2#4'06+0) %1/
LW¶V )UHH 6HSWHPEHU 2FWREHU
ZZZ :9)DPLO\2QOLQH FRP
$IWHU 6FKRRO $FWLYLWLHV ,V <RXU &KLOG ,QYROYHG ,Q 7RR 0XFK" %\ 5DFKDHO 0RVKPDQ
%
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ÀLHU RI D QHZ DFWLYLW\ HYHU\ GD\ :H DOO ZDQW RXU FKLOGUHQ WR EH ZHOO URXQGHG VXFFHVVIXO DQG HQMR\ WKHLU \RXWK (Q UROOLQJ WKHP HQULFKPHQW DFWLYLWLHV VHHPV KDUPOHVV +RZHYHU PRGHUDWLRQ LV NH\ &KLOGUHQ DOVR QHHG WLPH WR IRFXV RQ WKHLU KRPHZRUN VRFLDOL]H ZLWK IULHQGV LQIRUPDOO\ VSHQG WLPH ZLWK IDPLO\ DQG MXVW UHOD[ 6R KRZ GR \RX NQRZ LI \RXU FKLOG LV GRLQJ WRR PXFK" +HUH DUH ¿YH VLJQV WKDW LW V WLPH WR FXW EDFN RQ DIWHU VFKRRO DFWLYLWLHV
7KH\ GRQ W VHHP WR EH HQMR\LQJ WKH DFWLYLW\ .HUULH V HLJKW \HDU ROG GDXJKWHU ZDV UXGH DQG DUJXPHQWDWLYH RQ WKH GD\V VKH KDG GDQFH OHVVRQV 6KH UHDOL]HG WKDW KHU GDXJKWHU GLGQ W HQMR\ WKH WZLFH D ZHHN WZR KRXU OHVVRQV DQG GLGQ W NQRZ KRZ WR WHOO KHU <RXU FKLOG VHHPV H[KDXVWHG 6LJQV WKDW WKHLU DFWLYLWLHV DUH JHWWLQJ LQ WKH ZD\ RI WKHLU UHVW LQ FOXGH ‡ )DOOLQJ DVOHHS DW PHDOWLPH ‡ 'LI¿FXOW\ ZDNLQJ XS LQ WKH PRUQLQJ ‡ 1DSSLQJ RQ WKH ZD\ WR DFWLYLWLHV ‡ 1RGGLQJ RII LQ FODVV ‡ *HQHUDO VOXJJLVKQHVV 7KHLU JUDGHV GURS , DOZD\V DGYLVH SDUHQWV WR WDNH D ORRN DW ZKDW KDV FKDQJHG ZKHQ
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¿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¿UVW EXW DIWHU D OHQJWK\ GLVFXVVLRQ VKH DGPLW WHG WKDW VKH GLGQ W UHDOO\ HQMR\ VRPH RI WKH DFWLYLWLHV DQG IRXQG WKH VRFLDO DVSHFWV RI VRPH WR EH RYHUZKHOPLQJ 6KH DVNHG LI VKH FRXOG GURS WZR DFWLYLWLHV DQG DGG D VHFRQG VHVVLRQ RI WKH RQH VKH ORYHG LQVWHDG 1RZ VKH KDV VHVVLRQV RQH HYHQLQJ D ZHHN DQG RQ 6DWXU GD\ PRUQLQJV 7KLV VFKHGXOH LV PXFK PRUH UHOD[LQJ DQG HQMR\DEOH IRU ERWK RI XV
5DFKDHO 0RVKPDQ LV D PRP IUHHODQFH ZULWHU DQG EORJJHU 6KH OLYHV LQ )ORULGD ZLWK KHU KXVEDQG DQG GDXJKWHU SOXV IRXU FDWV RQH GRJ DQG D PDQQHTXLQ QDPHG 9LYLDQ )LQG KHU DW ZZZ UDFKDHOPRVKPDQ FRP
:HVW 9LUJLQLD )DPLO\ 0DJD]LQH z ZZZ :9)DPLO\2QOLQH FRP
<RX VHH D FKDQJH LQ \RXU FKLOG V EHKDYLRU RU HPRWLRQV 2YHUZKHOPHG FKLOGUHQ RIWHQ VKRZ WKH\ DUH VWUHVVHG WKURXJK WKHLU EHKDYLRU ,V \RXU XVXDOO\ FRPSOLDQW FKLOG VXGGHQO\ GH¿DQW" 'RHV \RXU IRUPHUO\ KDSS\ JR OXFN\ FKLOG QRZ EXUVW LQWR WHDUV IRU VHHP LQJO\ QR UHDVRQ" 7DNH D ZHHN RII IURP DFWLYLWLHV DQG VSHQG TXLHW HYHQLQJV DW KRPH LQVWHDG 'RHV WKH VLWXDWLRQ LPSURYH" ,I VR WRR PDQ\ DFWLYLWLHV DUH SUREDEO\ WKH FXOSULW
HYHU JUDGHV SOXPPHW $Q LQFUHDVH LQ DIWHU VFKRRO DFWLYLWLHV LV D IUHTXHQW FXOSULW 6RPHWLPHV \RXU FKLOG MXVW QHHGV WLPH WR ¿JXUH RXW KRZ WR EDODQFH WKHLU QHZ VFKHGXOH 'RQ W DOORZ VR PXFK WLPH WKDW WKH\ JHW LQWR D SLW WKH\ FDQ W GLJ RXW RI WKRXJK
6HSWHPEHU 2FWREHU
6FKRRO %DVHG +HDOWK &HQWHUV KHDOWK\ FKLOGUHQ PDNH EHWWHU VWXGHQWV
&
RPPXQLW\ &DUH V 6FKRRO %DVHG +HDOWK 6HUYLFHV IRFXV RQ D ZLGH YDULHW\ RI SHGLDWULF FDUH ,Q WKH VFKRROV ZH SURYLGH FRPSUHKHQVLYH SHGLDWULF FDUH IRU FKLOGUHQ LQ SUH . WKURXJK KLJK VFKRRO 2XU PHGLFDO SHUVRQQHO SURYLGH D IDPLO\ FHQWHUHG DSSURDFK WR LPSURYLQJ WKH KHDOWK DQG ZHOO EHLQJ RI FKLOGUHQ 5HVHDUFK VKRZV WKDW KHDOWK\ FKLOGUHQ SHUIRUP EHWWHU LQ WKH FODVVURRP
6FKRRO %DVHG +HDOWK 6HUYLFHV LQFOXGLQJ EXW QRW OLPLWHG WR z 9DFFLQDWLRQV ,PPXQL]DWLRQV z &KLOGKRRG LQIHFWLRQV :HOO &KLOG H[DPV 6FKRRO VSRUWV SK\VLFDOV z &KURQLF LOOQHVVHV VXFK DV DVWKPD DOOHUJLHV GLDEHWHV REHVLW\ VLFNOH FHOO DQHPLD DQG VHL]XUHV z $FFLGHQWV ,QMXULHV z $WWHQWLRQ 'HÀFLW 'LVRUGHU GLDJQRVLV DQG WUHDWPHQW 1XWULWLRQ FRXQVHOLQJ z 9LVLRQ +HDULQJ VFUHHQLQJV z KRXU RQ FDOO SK\VLFLDQ FRYHUDJH
'LG \RX NQRZ \RXU FKLOG FDQ UHFHLYH KLV KHU 632576 3+<6,&$/ DW RXU 6FKRRO %DVHG +HDOWK &HQWHUV"
&RPPXQLW\ &DUH RI :HVW 9LUJLQLD LV WKH ODUJHVW 6FKRRO %DVHG +HDOWK RUJDQL]DWLRQ LQ :HVW 9LUJLQLD :H FRQWLQXH WR VHUYH VFKRROV LQ ÀYH FRXQWLHV %UD[WRQ &OD\ +DUULVRQ 3RFDKRQWDV 8SVKXU 3ODQV DUH RQJRLQJ WR DGG VHYHUDO DGGLWLRQDO VFKRROV QH[W VFKRRO \HDU 6FKRRO %DVHG +HDOWK &HQWHU (QUROOPHQW 3DFNHWV DQG FRQVHQW IRUPV DUH DYDLODEOH RQ RXU ZHEVLWH DW ZZZ &&:9 RUJ :H ORRN IRUZDUG WR SDUWQHULQJ ZLWK \RX DQG \RXU FRPPXQLW\ VFKRROV LQ KHOSLQJ WR DFKLHYH KHDOWKLHU VWXGHQWV 3OHDVH YLVLW RXU ZHEVLWH WR OHDUQ PRUH
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
&RPPXQLW\ &DUH RIIHUV DVVLVWDQFH QDYLJDWLQJ WKH $IIRUGDEOH &DUH $FW &DOO XV WRGD\ LI \RX KDYH TXHVWLRQV DERXW KRZ WR *(7 FRYHUDJH RU KRZ WR 86( \RXU QHZ FRYHUDJH
::: &&:9 25*