October - Peralta Hills

Transcription

October - Peralta Hills
3HUDOWD+LOOV(VWDWHV,PSURYHPHQW
$VVRFLDWLRQ
(VWDEOLVKHGLQ
*UDQGYLHZ$YHQXH± <RUED/LQGD&$
&HOO
)D[
(/(&7('2)),&(56
%2$5'2)',5(&7256
3UHVLGHQW
3DWULFN0DKRQH\
9LFH3UHVLGHQW
-DPHV-HNXPV
6HFUHWDU\
+HOHQ&XUWLV
7UHDVXUHU
/XFLOOH.UXHJHU
,PPHGLDWH3DVW3UHVLGHQW
6RQLD-HNXPV
&200,77((&+$,56
3XEOLF5HODWLRQV
'DYLG)ORUHV
6WHYH.LWVLJLDQLV
:HOFRPH
/LQGD.RKO
'HOLD&DER
-RDQ6FKOXQG
6RQLD-HNXPV
-D\PL&KXQJ
1HLJKERUKRRG:DWFK
-DPHV-HNXPV
6KLYD9DKHG\
1HLJKERUKRRG&OHDQXS
(PLO\*XLFKHW
8QGHUJURXQG8WLOLWLHV
$QG\3OLVNR0'
&DWK\:LOOV
3HUDOWD+LOOV$ZDUGV%HDXWLILFDWLRQ
3DWULFN0DKRQH\
&DWK\:LOOLV
6RFLDO&RRUGLQDWRU
/RLV+RZODQG
&UHVFHQW'ULYH6SHHG&RQWURO
.LPEHUOH\&DUSHQWHU
$QQXDO*DOD
5RVHOL:LOGYDQN
-RO\QQ%HQQ
+LVWRULDQ
/XFLOOH.UXHJHU
:HEPDVWHU
5D\0L]H
(',725,$/67$))
(GLWRULQ&KLHI
6RQLD-HNXPV
$VVRFLDWH(GLWRU
3DWULFN0DKRQH\
&ROXPQLVWV
6DQGUD'D\
%HWWH$LWNHQ
5D]D6WHYH.LW]LJLDQLV
5REHUW7UDF\)UD]LHU
0DUWKD0DKRQH\
7HQQLV
-RDQ6FKOXQG
+LVWRULFDO8SGDWH
/XFLOOH.UXHJHU
&RPLQJ7RJHWKHU
/RLV+RZODQG
3URILOH
&DWK\:LOOV
3RWSRXUUL
+HOHQ&XUWLV
5HVWDXUDQW5HYLHZ
-HDQHWWH&XUWLV
+XPRU
&UDLJ:LOGYDQN
3KRWRJUDSKHU
0LFKDHO$VJLDQ
3$6735(6,'(176,15(6,'(1&(
5LFKDUG&UDPHU
6RQLD-HNXPV
'U+RZDUG.QRKO
%RE0F&RPEHU
0$1$*(0(17
7DPP\0RXQW
WNPRXQW#VEFJOREDOQHW
3DJH
President’s Corner
E\3DWULFN0DKRQH\
7KHUH¶VDFKDQJHLQWKHZHDWKHUEUHZLQJ)DOOLVXSRQXV
7KHVXQLVVHWWLQJHDUOLHUDQGDVVRRQDVLWGURSVEHKLQGWKH
6DQWLDJRKLOOVWKHFKLOORIWKHHYHQLQJVHWVLQ+DUGWREH
OLHYHMXVWODVWPRQWKZHZHUHZRUULHGWKDWWKHVXPPHUKHDW
ZRXOGQHYHUHQGDVZHVHWXSIRUWKHQHLJKERUJDODDQGVRFLDO
HYHQWRIWKH\HDU:KDWDQLJKW7KHZDUPEUHH]HWKURXJK
WKHHXFDO\SWXVURZSURYLGHGDQDWXUDOEDFNGURS7KHHDUO\
&DOLIRUQLD 6SDQLVK VW\OH KRPH RI 5LFKDUG DQG 0DUWKD 0D
KRQH\ZDVWKHSHUIHFWDFFRPSDQLPHQWWRRXU¿HVWDWKHPHGHYHQLQJ*DOD&KDLUV
5RVHOL:LOGYDQNDQG-RO\QQ%HQQGLGDJUHDWMRERISXOOLQJWRJHWKHUDIDQWDVWLFHYH
QLQJZLWKYHU\OLWWOHEXGJHW,QDQHIIRUWWRPDNHWKHPRVWRIWKHUHYHQXHWKHZKROH
FRPPLWWHHUROOHGXSWKHLUVOHHYHGRQQHGWKHLUDSURQVDQGSLWFKHGLQP\SHUVRQDO
WKDQNVWRDOORI\RX:LWKDVSHFLDO³JUDFLDV´WR)HGHULFRDQG'HOLD&DERIRUGR
QDWLQJWKHFROGHVW0H[LFDOLEHHUVRUHIUHVKLQJDQG7HTXLOD'DYLGDQG0DULDQHOD
)ORUHVIRUWKHFKLSVDQGFHYLFKH6RQLD-RDQ/XFLOOH/RLVDQG5RVHOLIRUWKHKRPH
PDGHVZHHWVDQGHYHU\RQHZKRGRQDWHGWRWKHDXFWLRQV7KHVXFFHVVRIWKHHYHQLQJ
LVDWHVWDPHQWWRWKHJUHDWQHLJKERUKRRGZHOLYHLQ
7KLV\HDU¶VHYHQWLVORRNLQJWRQHWDSSUR[LPDWHO\
IURPWLFNHWVDOHVDQGOLYHDQGVLOHQW
DXFWLRQ LWHPV GRQDWHG E\ IULHQGV DQG UHVLGHQWV
7KHSURFHHGVZLOOEHXVHGWRFRQWLQXHWKHODQG
VFDSHLPSURYHPHQWVWRWKHSXEOLFDUHDVRI3HUDOWD
+LOOV(VWDWHV:HZLOOEHIRFXVLQJRQWKHHQWUDQFH
HDVWRI5R\DO2DNZKHUHZHZLOOEHFRQWLQXLQJ
WKHLQVWDOODWLRQWKHHTXHVWULDQVW\OHSROHIHQFLQJ
DFFHQWHGQDWLYHSODQWVDQGPXOFK$WODVWFRXQW
RQO\ RI WKH HVWDWHV
FRQWLQXHGRQ3DJH
0ROO\0DKRQH\)LDQFH-RKQ'RPLQJXH]DQG
-RKQ0DKRQH\
Introducing Ray Mize and www.PeraltaHillsAssociation.com
+HOOR3HUDOWD+LOOV
0\ IDPLO\ DQG , ZLIH &LQG\ GDXJKWHU$VK
OH\VRQ=DFKDU\GRJ7DVKDPRYHGWRWKH3HU
DOWD+LOOVQHLJKERUKRRGLQ-XQH
DQGZHKDYHIHOWVRZHOFRPHGE\WKLV
ZRQGHUIXO FRPPXQLW\ :H PRYHG WR
&DOLIRUQLDIURP2NODKRPDWREHQHDU
IDPLO\DQGVWDUWDQHZEXVLQHVV&LQ
G\DQG,PDQDJHGDEXVLQHVVWRJHWKHU
LQ 2NODKRPD VLQFH LQ ZKLFK
ZH GHYHORSHG VHYHUDO HOHFWULF SRZHU
SODQWSURMHFWVDQGVROGWKHULJKWVWRLQ
GHSHQGHQWSRZHUSURGXFHUVDQGORFDOHOHFWULF
XWLOLWLHV 'XH WR WKH FXUUHQW HFRQRPLF FRQGL
WLRQVZHKDYHSXWRXUSODQVIRUDQHZEXVLQHVV
RQ KROG 6R ZLWK IUHH WLPH DYDLODEOH
DQGDUHTXHVWE\VRPHRIWKH3+(,$
ERDUG PHPEHUV , RIIHUHG DFWXDOO\
P\ ZLIH YROXQWHHUHG PH WR GHVLJQ
D ZHEVLWH IRU RXU QHLJKERUKRRG
0\ HGXFDWLRQDO EDFNJURXQG LV QRW
LQ ZHEVLWH GHVLJQ , JUDGXDWHG IURP
WKH 8QLYHUVLW\ RI 2NODKRPD ZLWK DQ
0%$ DQG 3+' LQ FRQWLQXHGRQ3DJH
Peralta Hills Gala 2009
%\-RO\QQ%HQQDQG5RVHOL:LOGYDQN
2XUWK$QQXDO3HUDOWD+LOOV1HLJKERUKRRG*DODRQ6HSWHPEHU
ZDVDQRWKHUVXFFHVV:HZHUHIRUWXQDWHWRKDYHWKHUH
VRXUFHVWKLV\HDUWRNHHSRXUJDODFRVWVGRZQIURPSUHYLRXV\HDUVLQ
ODUJHSDUWGXHWRPDQ\FRPPLWWHHPHPEHUVRIIHULQJWRGRQDWHLWHPV
WKDWDGGHGXSWREHDODUJHVDYLQJV,QDYHU\WRXJKHFRQRPLFFOL
PDWHZHZHUHDEOHWRUDLVHQHWIXQGVLQWKHDSSUR[LPDWHDPRXQWRI
7KLVPRQH\JRHVDORQJZD\LQKHOSLQJWREHDXWLI\RXU
QHLJKERUKRRG7KLV\HDU¶VWKHPH³0H[LFDQ)LHVWD´ZDVDORWRIIXQ
DQGWKHSDUW\ZDVDEODVW7KDQNVWR5LFK0DUWKD0DKRQH\IRU
RSHQLQJWKHLUEHDXWLIXOKRPHWKLV\HDU1RZZHZLOOORRNIRUZDUG
WRQH[W\HDU¶VIHVWLYLWLHV
:HKDGDSSUR[LPDWHO\JXHVWVLQDWWHQGDQFHDWRXUJDOD2IWKHVH
JXHVWVZHUH3HUDOWD+LOOV5HVLGHQWVDQGQRQUHVLGHQWV
7KHUHDUHPDQ\ZRQGHUIXOSHRSOHZKRDUHQRWFXUUHQWO\OLYLQJLQ
RXUEHDXWLIXOQHLJKERUKRRGWKDWHQMR\SDUWLFLSDWLQJLQRXUZRQGHUIXO
JDODV0DQ\RIWKHPDUHSUHYLRXVUHVLGHQWVZLWKVWURQJWLHVWRWKH
QHLJKERUKRRGDQGVRPHRIWKHPDUHHDJHUWRPRYHLQWRRXUQHLJK
ERUKRRGZKHQWKHULJKWRSSRUWXQLW\DULVHV2WKHUVDUHJHQHURXVLQ
WKHLUFRQWULEXWLRQVWRWKHJDODDQGDOZD\VHQMR\WKHSDUW\,WDOZD\V
VHHPVWREHDFKDOOHQJHWRJHWUHVLGHQWVZKRKDYHQRW\HWDWWHQGHG
RXUJDODWRFRPH,WLVRXUFRQWLQXHGKRSHWKDWWKH\ZLOOEHDEOH
WRSDUWLFLSDWHDWDQ\OHYHOLQWKHIXWXUH(YHU\RQHKDVVRPHWKLQJ
WRRIIHUDQGWKHEHQH¿WVRIIULHQGVKLSDQGFRPPXQLW\DUHFHUWDLQO\
ZRUWKZKLOH:HKDYHDOOZLWQHVVHGRXUQHLJKERUKRRGEHFRPHPRUH
OXVKDQGEHDXWLIXORYHUWKHSDVWIHZ\HDUV2XU3UHVLGHQW¶VYLVLRQ
DQGGHGLFDWLRQWRRXUFRPPXQLW\KDVGRQHZRQGHUVIRUQRWRQO\WKH
EHDXW\RIRXUFRPPXQLW\EXWKRPHYDOXHVDVZHOO
2XU(PFHHRIWKHHYHQLQJ0ROO\0DKRQH\DQG'--RKQ'RPLQ
TXH]GLGDQRXWVWDQGLQJMRERINHHSLQJWKHJDODHYHQWVÀRZLQJDQG
IXQ0XVLFLDQV-RKQ0DKRQH\DQG-RKQ'RPLQTXH]DORQJZLWK
VLQJHU 0ROO\ 0DKRQH\ SHUIRUPHG DXWKHQWLF 0H[LFDQ PXVLF WKDW
PDGHRXU0H[LFDQ)LHVWDFRPSOHWH7KHLUWDOHQWDQGHQWKXVLDVP
ZDVHQMR\HGE\DOO7KDQN\RX0ROO\0DKRQH\-RKQ'RPLQTXH]
DQG-RKQ0DKRQH\IRUPDNLQJRXU0H[LFDQ)LHVWDVRIDQWDVWLF
5RVHOLDQG,ZRXOGOLNHWRWKDQNWKLV\HDU¶VFRPPLWWHHPHPEHUV
'HOLD)HGHULFR&DER+HOHQ&XUWLV/DQH-HDQHWWH&XUWLV/RLV
+RZDOQG/XFLOOH.UXHJHU'DYLG)ORUHV/LQGD.QRKO6KLYD9D
KHG\%HQ*ULVHO%HTXHU6RQLD-DPHV-HNXPV-RDQ6FKOXQG
-DPLH&KXQJ7DPP\0RXQW0DUWKD5LFK0DKRQH\6WHYH.LWVL
JLDQLV&DWK\:LOOV&LQG\0L]H&UDLJ:LOGYDQNDQG3DW0DKRQH\
:HFRXOGQRWKDYHGRQHLWZLWKRXWHYHU\RQH¶VVXSSRUW7KDQN\RX
WRDOOZKRGRQDWHGLWHPVWRRXUJDOD
Ray Mize
Peralta Hill Movie Buffs
FRQWLQXHGIURP3DJH
HFRQRPLFVDQGKDYHEHHQLQWKHHOHFWULFJHQHUDWLRQEXVLQHVVIRU
WKHODVW\HDUV%XW,HQMR\FRPSXWHUVDQG,¶YHEHHQVRLP
SUHVVHGZLWKWKHGHGLFDWLRQWKDWH[LVWVLQWKLVQHLJKERUKRRGDQG
WKHGHSWKRIKLVWRU\RIWKH3HUDOWD+LOOV(VWDWHV,PSURYHPHQW
$VVRFLDWLRQ7KHZHEVLWHSURYLGHVDQRSSRUWXQLW\WRSUHVHUYH
WKHKLVWRU\VKDUHLWZLWKRWKHUVDQGWRFRPPXQLFDWHWKHSURJ
UHVVDQGDFWLYLWLHVLQRXUQHLJKERUKRRG7KHZHEVLWHLVZZZ
SHUDOWDKLOOVDVVRFLDWLRQFRP RU VLPSO\ SHUDOWDKLOOVDVVRFLDWLRQ
FRP7KHKRPHSDJHKDVDYLVXDOWRXURIWKH3HUDOWD+LOOVIRRW
SULQWZLWKSLFWXUHVIURPWKHEORFNWRWKHEORFN7KHUH
LV DOVR D FDOHQGDU WKDW LV FRQWLQXDOO\ XSGDWHG ZLWK RXU QHLJK
ERUKRRG DFWLYLWLHV LH WKH *DOD WR ZLQH FOXE PHHWLQJV 7KH
(YHQWV1HZVSDJHZLOOJLYH\RXDTXLFNORRNDWWKHWRSWHQ
KHDGOLQHQHZVLQWKHFRXQWU\2XU3HWUHJLVWU\LVDJUHDWSODFHWR
DGGLQIRUPDWLRQDERXW\RXUVSHFLDOORYHGRQHVLQFDVHWKH\JHW
ORVWRU\RX¿QGDSHWURDPLQJWKHQHLJKERUKRRG,KDYHHQMR\HG
GHVLJQLQJWKHZHEVLWHDQGZHOFRPHDQ\FRPPHQWVDQGRUVXJ
JHVWLRQV3OHDVHYLVLWRXUJXHVWERRNDQGOHDYHPHDQRWH
3DJH
(YHUZDQWHGWRJRVHHDPRYLHEXWGLGQ¶W
ZDQWWRJRDORQH":HOO,KDYHWKHDQVZHU
,DPORRNLQJIRUDQ\RQHLQWHUHVWHGLQVWDUW
LQJDPRYLHFOXE:HZRXOGEHJRLQJWRD
PDWLQHHDW(GZDUGV$QDKHLP+LOOVDW
WKH )HVWLYDO 6KRSSLQJ &HQWHU WR ZDWFK D
UHFHQWO\UHOHDVHG¿OPDQGWKHQJHWWLQJWR
JHWKHUIRUFRIIHHDIWHUZDUGVWRGLVFXVVWKH
¿OP :H ZLOO IHDWXUH RXU UHYLHZV LQ WKH
*D]HWWH,ZRXOGOLNHWRKDYHDVWDUWXSPHHWLQJZKHUHZHFDQGLVFXVV
ZKDWGD\RIWKHZHHNZRUNVIRUHYHU\RQHDQGDOVRWRVHHLIDQ\RQHLV
LQWHUHVWHGLQMRLQLQJ6RSOHDVHFDOORUHPDLODQGZHFDQGLVFXVVZKHQ
RXU¿UVWPHHWLQJZLOOEHFHOOKRPH
VKRUWPDUW\#DROFRP &RPH MRLQ WKH IXQ 'RQ¶W EH VK\ *HW WR
PHHWVRPHQHZQHLJKERUVRUJHWWRJHWKHUZLWKROGIULHQGVHLWKHU
ZD\LWZLOOEHDJUHDWH[SHULHQFH-RLQXV
0DUWKD0DKRQH\
MUZEO UNVEILS OPULENT “TREASURES OF NAPOLÉON” EXHIBITION
DURING 2009 “NIGHT AT THE MUZEO VISIONARIES GALA”
$UWV 6RFLDO DQG &LYLF /HDGHUV *DWKHU WR &HOHEUDWH DUWV HGXFDWLRQ SURJUDP ³(QLUR´ PHDQLQJ ³DFFHVV´ LQ
/DXQFK RI $QRWKHU <HDU RI 2XWVWDQGLQJ 3URJUDPV WKHLQWHUQDWLRQDOODQJXDJHRI(VSHUDQWRKDVWKHJRDO
DQG([KLELWLRQV5DLVH2YHUIRU08=(2 RISURYLGLQJDFFHVVWRWKHDUWVIRUVWXGHQWVDQGDWULVN
$1$+(,0 &DOLI 2FW 2Q 6DWXUGD\ 2FW \RXWK E\ XQGHUZULWLQJ WKH IXOO FRVW RI DGPLVVLRQ WR
SURPLQHQWDUWVVRFLDODQGFLYLFOHDGHUVIURP 08=(27KH(1,52SURJUDPKDVKDGDWDQJLEOHLP
WKURXJKRXW 2UDQJH &RXQW\ DQG EH\RQG JDWKHUHG DW SDFWLQWKHFRPPXQLW\6XSSRUWHUVRIWKHDQQXDO³1LJKW
08=(2WKHQRWHGFHQWHU
DWWKH08=(2´9LVLRQ
IRUDUWVNQRZOHGJHHQWHU
DULHV*DOD DQG VXFFHVV
WDLQPHQW DQG FXOWXUH LQ
IXO ELGGHUV RQ WKH HYH
$QDKHLP GXULQJ LWV QLQJ¶VHLJKWOLYHDXFWLRQ
³1LJKW DW WKH 08=(2´
LWHPV FRQWULEXWH GLUHFW
9LVLRQDULHV *DOD $QD
O\WRWKHVXFFHVVRIWKLV
KHLP0D\RUDQG&KDLURI
SURJUDP 7UHDVXUHV RI
WKH 08=(2 )RXQGDWLRQ
1$32/e21 IHDWXUHV
%RDUG &XUW 3ULQJOH ZDV
PRUH WKDQ LPSUHV
MRLQHG E\ *DOD &R&KDLUV
VLYH DQWLTXLWLHV GUDZQ
%HWWH $LWNHQ DQG :HQG\
IURP WKH H[WHQVLYH
$GDPV LQ RYHUVHHLQJ WKH
SULYDWH FROOHFWLRQ RI
HYHQLQJ ZKLFK UDLVHG
3LHUUH-HDQ &KDOHQoRQ
LQ H[FHVV RI W\SLFDOO\ QRW DYDLODEOH
IXQGLQJ DQRWKHU \HDU RI 0D\RU&XUW3ULQJOHDQG*DODFRFKDLUV%HWWH$LWNHQDQG:HQG\$GDPV RQ YLHZ HYHQ LQ (X
HGXFDWLRQDO SURJUDPV VSHFLDO HYHQWV DQG UHQRZQHG URSHLQFOXGLQJRULJLQDOIUDPHGSDLQWLQJVVFXOSWXUHV
H[KLELWLRQVDW08=(22YHUJXHVWVHQMR\HGDIRXU SHUVRQDOHIIHFWVSULQWVDQGUDUHGRFXPHQWVDVZHOODV
FRXUVHJRXUPHWPHQXFUHDWHGE\0DVWHU&KHI0DXULFH IXUQLWXUHIURPWKH,PSHULDOSDODFHV7KLVRQHRIDNLQG
%UD]LHUIURPWKHDZDUGZLQQLQJ$QDKHLP:KLWH+RXVH FROOHFWLRQ KDV FDSWLYDWHG QHDUO\ SHRSOH VLQFH
5HVWDXUDQW 2& &XVWRP :LQHV JHQHURXVO\ SURYLGHG WKHWRXUEHJDQLQJLYLQJWKHSXEOLFWKHFKDQFHWR
ZLQHVIRUWKHGLQQHU1RWDEOHJXHVWVDWWHQGLQJWKHHYH VHHDQXPEHURILWHPVRQGLVSOD\IRUWKHYHU\¿UVWWLPH
QLQJ LQFOXGHG 86 &RQJUHVVZRPHQ /RUHWWD 6DQFKH] 7KH7UHDVXUHVRI1$32/e21H[KLELWLRQWRXUKDVEHHQ
3LHUUH-HDQ
&KDOHQoRQ
RUJDQL]HG E\ ([KLELWV
ZKRVH SULYDWH FROOHFWLRQ
'HYHORSPHQW *URXS LQ
FRPSULVHV WKH EXON RI WKH
FRRSHUDWLRQ ZLWK &XO
H[KLELWLRQ 'U +RZDUG
WXUDO$UWV(QWHUWDLQPHQW
DQG /LQGD .QRKO ZKR
*URXS7KLVH[KLELWLRQ
KDYH ORDQHG IURP WKHLU
SUHVHQWHG DW 08=(2
SULYDWH FROOHFWLRQ QHDUO\
LV SURXGO\ VXSSRUWHG
IRUW\LWHPVIURPWKH1DSR
E\ H[KLELWLRQ VSRQVRUV
OHRQLF HUD IRU WKH H[KLEL
LQFOXGLQJ $GYDQFHG
WLRQ DQG DZDUGZLQQLQJ
'HYHORSPHQW,QYHVW
YHWHUDQEURDGFDVWHU&DUORV
PHQW %HWWH :\OLH
$PH]FXD ZKR DFWHG DV
$LWNHQ&KLPHQ\//&
0&IRUWKHIHVWLYLWLHV
&LW\ RI $QDKHLP DQG
7KH 08=(2 (1,52
'U3UHP5HGG\)DPLO\
3URJUDP WKH PXVHXP¶V
)RXQGDWLRQ
:\OLHDQG%HWWH$LWNHQDQG%UXQR6HUDWR
08=(2 LV ORFDWHG DW 6RXWK $QDKHLP %OYG LQ $QDKHLP $ QHZ PRGHO IRU XUEDQ FXOWXUDO FHQWHUV WKH
08=(2 IHDWXUHV D VTXDUH IRRW FRPSOH[ WKDW HQFRPSDVVHV $QDKHLP¶V RULJLQDO &DUQHJLH /LEUDU\
EXLOW LQ DQG D VWDWHRIWKH DUW JDOOHU\ VSDFH WKDW KDV EHHQ VHDPOHVVO\ LQWHJUDWHG LQWR DQ XUEDQ VHW
WLQJ LQWLPDWHO\ VXUURXQGHG E\ WZR FRQQHFWLQJ FRXUW\DUGV DSDUWPHQW ORIW OLYLQJ DQG VWUHHWOHYHO UHWDLO RXWOHW
3DJH
A SAFE PREDICTION
0\ WUDFN UHFRUG IRU SUHGLFWLQJ IXWXUH HYHQWV LV QRW YHU\
JRRG:KHQ,UHDGWHDOHDYHVWKHRQO\WKLQJ,JHWLVWHD
+RZHYHU\RXGRQRWKDYHWREHDIRUWXQHWHOOHUWRSUHGLFW
WKDWWD[HVDUHJRLQJXS0HGLFDUHDQG6RFLDO6HFXULW\DUH
XQGHUIXQGHGE\DSSUR[LPDWHO\WULOOLRQGROODUV,VQ¶WLW
LQWHUHVWLQJKRZWKHJRYHUQPHQWMXVWWKURZVWKHZRUG³WULO
OLRQ´DURXQG,UHPHPEHUZKHQDPLOOLRQVHHPHGOLNHDELJ
QXPEHU2XUQDWLRQDOLQIUDVWUXFWXUHLVLQGHVSHUDWHQHHGRI
UHSDLUDQGRXU6WDWHLV%LOOLRQLQWKHKROH:KLOHRXU
3ROLWLFLDQV PLJKW EH DEOH WR XVH VRPH P\VWLF DFFRXQWLQJ
UXOHVDQGVFKHPHVWRMXVWLI\WKHLUDFWLRQV³:H7KH3HRSOH´
KDYHWROLYHLQWKHUHDOZRUOGRIPRQH\LQDQGPRQH\RXW
«DQGWKHUHEHWWHUEHPRUHFRPLQJLQWKDQJRLQJRXW,Q
RWKHUZRUGVVRPHRQHLVJRLQJWRQHHGWRSD\WKHELOO$Q\
TXHVVZKRWKDWZLOOEH"
7KH UHFHQW SUHVVXUH SXW RQ 6ZLVV EDQNV E\ WKH ,56 WR
GLVFORVH86GHSRVLWRUVDQGWKHFRPLQJ5RWK,5$FRQ
YHUVLRQVPRUHRQWKDWLQDIXWXUHDUWLFOHDUHMXVWWKH¿UVW
H[DPSOHVRIWKHFRPLQJJRYHUQPHQWDOPRQH\KXQW:LWK
WKHQHHGIRUWD[UHYHQXHJURZLQJQRURFNZLOOEHOHIWXQ
WXUQHG«DQGVRPHQHZRQHVZLOOEHWXUQHGRYHU
)RUWXQDWHO\ WKHUH LV VWLOO RQH ,56 UXOH WKDW FDQ KHOS \RX
DYRLG IXWXUH WD[HV 7KDW UXOH LV ,5 &RGH H D
7KLV VLQJOH PDJLFDO FRGH DOORZV \RX WR UHFHLYH LQFRPH
IURPFHUWDLQ¿QDQFLDOYHKLFOHVZKLFKDUHFRPSOLDQWZLWK
DOOUHJXODWLRQVLQWKHIRUPRIORDQVDQGKHQFHQRWVXEMHFW
WRWD[HV7KHPRVWFRPPRQPHWKRGWRWDNHDGYDQWDJHRI
WKLV ,5 &RGH LV D 3523(5/< VWUXFWXUHG /LIH ,QVXUDQFH
3ODQ,HPSKDVLVWKHZRUG³SURSHUO\´EHFDXVHWKDWLVWKH
NH\ WR VXFFHVV RI XVLQJ , 5 &RGH H D 7KHUH
E\5REHUW)UD]LHU
PXVWEHWKHULJKWUDWLRRILQVXU
DQFH WR FDVK YDOXH 7KH IDVWHVW
JURZLQJW\SHRISODQLVDQ(TXLW\
,QGH[ 8QLYHUVDO /LIH ,QVXUDQFH
3ODQ (,8/ *HQHUDOO\ WLHG WR
DQHTXLW\LQGH[VXFKDVWKH63WKHVHSODQVRIIHUWKH
DELOLW\WRSDUWLFLSDWHLQVRPHRIWKHPDUNHWXSVZLQJVEXW
FDSDQ\PDUNHWORVVHV7UDGLWLRQDOO\WKHVHSURJUDPVKDYH
EHHQUHVHUYHGIRUSUHPLHUFOLHQWVLQFOXGLQJQHDUO\DOOSROL
WLFLDQV+RZHYHUKDYLQJJUHDWIRUHVLJKWDQGLQUHVSRQVHWR
WKHFKDQJLQJHFRQRPLFFRQGLWLRQVPDQ\,QVXUDQFH&DUUL
HUV KDYH LQWURGXFHG SURGXFWV WKDW H[SDQG WKH DSSHDO DQG
EHQH¿WRIWKHVHSODQVWRPRUHFRQVXPHUV:HXVHGWRIRFXV
RQ³WD[GHIHUUHG´SODQQLQJEHFDXVHZHDOOERXJKWLQWRWKH
FRQFHSWWKDWWD[HVZRXOGEHORZHULQWKHIXWXUH,W¶VWLPHWR
FKDQJHWRRXUWKLQNLQJWR³WD[IUHH´VLQFHRXUWD[HVDUHQRW
OLNHO\WRJRGRZQ
&RQWUDU\WRWKHDOSKDEHWVRXSRI,56TXDOL¿HGSODQV(,8/
SODQV RIIHU ÀH[LELOLW\ DQG IHZ SHQDOWLHV ,Q DGGLWLRQ WR
WKHUHEHLQJQRSDUWLFLSDWLRQOLPLWVWKHVHSODQVRIIHUÀH[
LEOHVDYLQJVOHYHOVJXDUDQWHHGVDIHW\VWRFNPDUNHWUHWXUQV
ZLWK QR ULVN WD[GHIHUUHG JURZWK DQG WD[IUHH LQFRPH
7KHVH SODQV FDQ EH FXVWRPL]HG WR PHHW LQGLYLGXDO QHHGV
SURYLGLQJRQO\DQXSVLGH«ZLWKQRGRZQVLGH
1RRQHNQRZVZKDWWRPRUURZZLOOEULQJKRZHYHUXQOHVV
ZH VHH VRPH GUDVWLF FKDQJHV LQ :DVKLQJWRQ '& KLJKHU
WD[HVDUHDIDLUO\VDIHEHW(YHQLIZHTXLWH[SDQGLQJWKH
JRYHUQPHQWZHKDYHDOUHDG\LQFXUUHGWULOOLRQVWKHUHLVWKDW
ZRUGDJDLQLQGHEWWKDWKDVWREHSDLGIRU:LWKWKHULJKW
SODQQLQJ\RXFDQDYRLGVRPHRI\RXUIXWXUHWD[OLDELOLWLHV
%REDQG7UDFH\OLYHDW63HUDOWD+LOOV'ULYHZLWKWKHLUWZRFKLOGUHQDQGDFRXSOHRIVSRLOHGJUH\KRXQGV
)RUPRUHLQIRUPDWLRQIHHOIUHHWRFRQWDFW%RE)UD]LHU3UHVLGHQW6HOHFW&KRLFH//&
UIUD]LHU#VHOHFWKFRLFHQRZFRPZZZVHOHFWFKRLFHQRZFRQ
Neighborhood Clean Up
Don’t fall back. Take out your shovel and plant !!
2FWREHULVQRWMXVWDERXWJKRXOVDQGZLWFKHV,WLVWKHEHVW
WLPH IRU SODQWLQJ ODQGVFDSH SHUHQQLDOV VKUXEV DQG WUHHV
:K\" ,Q WKH IDOO WKH ZDUP VRLO IURP WKH VXPPHU PRQWKV
HQFRXUDJHVURRWJURZWK7KHUHDUHSOHQW\RIRWKHUJRRGUHD
VRQVWRSODQWLQWKHIDOOVXFKDVGHSHQGDEOHUDLQIDOOFRROHU
ZHDWKHUDQGIHZHUSHVWDQGGLVHDVHSUREOHPV8VXDOO\LWLV
DJUHDWWLPHWR¿QGJDUGHQVSHFLDOVEDUJDLQVDQGGLVFRXQWV
WRR6RWDNHRXWWKHVKRYHODQGSUHSDUH\RXUSODQWLQJEHGV
ZLWKQXWULHQWULFKVRLO:LWKDVPDOOLQYHVWPHQWRIWLPH\RX
3DJH
E\(PLO\*XLFKHW
FDQKHOSRXUHQYLURQPHQWDQGHQULFK
\RXUJDUGHQ¶VVRLOE\FRPSRVWLQJ%\
FRPSRVWLQJ RUJDQLF ZDVWH \RX DUH
KHOSLQJ WR UHGXFH ZDVWH LQ RXU ODQG
¿OOVDQGUHWXUQQXWULHQWVEDFNLQWRWKH
VRLO LQ RUGHU IRU WKH F\FOH RI OLIH WR
FRQWLQXH,QFDVHLWORRNVOLNH,NQRZZKDW,¶PGRLQJ,GRQ¶W
,JRWWKLVRXWRIWKH6DQWD$QD3XEOLF:RUNV&DOHQGDU%XW
LWLVLQWHUHVWLQJ
Restaurant Review
E\-HDQQHWWH'&XUWLV
$1(,*+%25+22'-$3$1(6(5(67$85$170$*852<$
,PSHULDO+LJKZD\<RUED/LQGD&$
0DJXUR\D LV D JHP RI D UHVWDXUDQW LQ WKH<RUED /LQGD
6WDWLRQ6KRSSLQJ&HQWHUQH[WWRWKHZHOOSXEOLFL]HG)LW
QHVV3L]]DDQG9HUVDL:LQH%DU7KHOLWWOH-DSDQHVHUHV
WDXUDQWLVHDV\WRPLVVEXWPLVVLQJLWZRXOGEHDPLVWDNH
EHFDXVH LW RIIHUV JRRG YDOXH H[FHOOHQW DXWKHQWLF -DSD
QHVH IRRG DQG D UHOD[HG DWPRVSKHUH 7KH UHVWDXUDQW¶V
GpFRU OLNH WKH IRRG LV DXWKHQWLF -DSDQHVH 7KH GLQLQJ
URRPLVUHPLQLVFHQWRIGRZQWRZQ7RN\RH[FHSWWKDWLWLV
OHVVFURZGHGPRUHUHOD[LQJ7KHVHDIRRGLV¿UVWUDWHDQG
VRIUHVK\RXIHHODVLI\RXDUHRQVRPH1RUWKHUQ&DOLIRU
QLDZKDUI$SSHWL]HUVLQFOXGHIULHGFDODPDULDQGEDNHG
FODP$EDNHGVFDOORSDSSHWL]HURIWHQGHUVPDOOVFDOORSV
EDNHGZLWKPXVKURRPVDQGUHGSHSSHUVFUHDWHVDZRQ
GHUIXOFRPELQDWLRQRIÀDYRUV6HUYHGLQDOLWWOHEDNLQJ
GLVKLWOHDYHVRQHZLVKLQJWKHUHZHUHPRUH7KHIDFWWKDW
0DJXUR\DKDVH[FHOOHQW¿VKLVQRWVXUSULVLQJFRQVLGHULQJ
LWLVDOVRDVXVKLEDU:KDWLVVXUSULVLQJLVWKHH[WHQWRI
WKH KRPHFRRNHG IHHO RI WKH FXLVLQH7KH KRPHFRRNHG
IHHOLVDFKLHYHGE\FKHIRZQHU.D]X\RVKL³.D]´<DPD
GD¶V\HDUVDVDFKHIUHFUHDWLQJKLVIDPLO\¶VWUDGLWLRQ
DOUHFLSHV6XNL\DNLDWUDGLWLRQDOVWHZRIWHQGHUZKROH
SLHFHVRIPHDWDQGWRIXLVDZRQGHUIXOPL[WXUHRIVDYRU\
EURWK ZLWK MXVW WKH ULJKW WRXFK RI VZHHWQHVV 7HPSXUD
ZKLFK FRQVLVWV RI MXPER SUDZQV KXJH SLHFHV RI \DP
Facts, Tips, Recipes and More
DQG ]XFFKLQL LV D GHOLFDWH ÀDYRUIXO
QRQJUHDV\ GHOLJKW 7HPSXUD LV SUH
SDUHGDW0DJXUR\DWKHZD\LWVKRXOG
EHSUHSDUHG$W0DJXUR\DLWLVDQDLU\GHOLFDF\QRWD
VPDOORUKHDY\DIWHUWKRXJKWDVLWLVLQPDQ\UHVWDXUDQWV
7KHVXEOLPHÀDYRURIWKHIRRGFRPHVIURPWKHTXDOLW\
LQJUHGLHQWVWKHFKHIXVHVDQGIURPDXWKHQWLFLW\7HUL\DNL
GLVKHVZKLFKLQFOXGHVDOPRQFKLFNHQDQGEHHIDUHDOO
SHUIHFWO\ FRRNHG DQG QRW RYHUGRQH D GLI¿FXOW IHDW WR
PDQDJH$OWKRXJKDOORIWKHDERYHZRXOGEHHQRXJKWR
ZDUUDQWDYLVLWWKHEHVWWKLQJDERXW0DJXUR\DLVWKHEDU
JDLQLWSUHVHQWV'LQQHUVLQFOXGHGLIIHUHQWJHQHURXVHQ
WUHHVD06*IUHHPLVRVRXSDQGDGLQQHUVDODGIRURQO\
IURPWR7KHVDPHOXQFKZLWKHQWUHHV
UXQVEHWZHHQWR7KHUHLVDOVRDYDULHGVH
OHFWLRQRI8GRQ6REDQRRGOHV:LQHDVZHOODV-DSDQHVH
DQG$PHULFDQEHHUDUHDYDLODEOH:LQHLVDSSUR[LPDWHO\
SHU JODVV :LQH SHU ERWWOH 6DNH
LVWRSHUERWWOHWRSHUJODVV
:KLOH 0DJXUR\D LV D VXVKL EDU WKH ¿QH GLQLQJ DVSHFW
VKRXOGQRWEHRYHUORRNHG,WLVDFDVXDOXQDVVXPLQJUHV
WDXUDQWZLWKDSURIHVVLRQDOIULHQGO\VWDIIDQGH[FHOOHQW
IRRG:KHQRQHYLVLWVLWLVDVLIWKH\KDYHPDGHDOLWWOH
H[FXUVLRQWR7RN\R
E\5D]D.LWVLJLDQLV
Chocolate Chip Pumpkin Cookies
Use by? Sell by? What???
,1*5(',(1'6
FXSVDOOSXUSRVHÀRXUWHDVSRRQEDNLQJSRZGHUWHD
VSRRQEDNLQJVRGDWHDVSRRQVSXPSNLQSLHVSLFHFXSEXW
WHUVRIWHQHGFXSVXJDUHJJVRXQFHFDQSXUH
SXPSNLQWHDVSRRQYDQLOODH[WUDFWFXSFKRSSHGZDOQXWV
RXQFHEDJVHPLVZHHWFKRFRODWHFKLSV
',5(&7,216
3UHKHDW RYHQ WR GHJUHHV ) GHJUHHV & *UHDVH
WZRFRRNLHVKHHWV
0L[WKHÀRXUEDNLQJSRZGHUEDNLQJVRGDDQGSXPSNLQ
SLHVSLFHWRJHWKHULQDPL[LQJERZO
%HDWWKHEXWWHUDQGVXJDUWRJHWKHULQDVHFRQGPL[LQJERZO
XQWLOOLJKWDQGÀXII\%HDWLQWKHHJJVRQHDWDWLPHXQWLO
VPRRWK DQG ZHOO EOHQGHG 0L[ LQ WKH SXPSNLQ DQG YDQLOOD
H[WUDFW XQWLO VPRRWK *UDGXDOO\ DGG WKH ÀRXU PL[WXUH VWLU
ULQJWRPDNHDVPRRWKEDWWHU6WLULQWKHZDOQXWVDQGFKRFR
ODWHFKLSV'URSE\WDEOHVSRRQVL]HGVSRRQIXOVRQSUHSDUHG
FRRNLHVKHHWV
%DNHLQSUHKHDWHGRYHQXQWLOHGJHVDUHJROGHQWR
PLQXWHV&RROEULHÀ\RQWKHFRRNLHVKHHWEHIRUHWUDQVIHUULQJ
WRZLUHUDFNVWRFRROFRPSOHWHO\
)ORZHUVZLOW3HQVUXQGU\,IRQO\LWZHUH
DVHDV\WRWHOOZKHQWKHIRRGLQ\RXUNLWFK
HQ LV DERXW WR H[SLUH ([FHSW IRU VRPH
EDE\IRRGVSURGXFWGDWLQJLVQ¶WIHGHUDOO\
UHJXODWHG+HUH¶VDVLPSOHODEHOGHFRGHU
‡³8VHE\´'DWH:KHQDQLWHPZLOOSDVVLWVSHDNLQTXDOLW\DF
FRUGLQJWRWKHPDQXIDFWXUHU,IVWRUHGSURSHUO\PRVWIRRGVFDQ
EHFRQVXPHGDGD\DIWHUWKLVGDWH²VRPHHYHQORQJHU
‡'DWH2QO\)RUH[DPSOH³6HSW´8VXDOO\PHDQVWKHVDPH
DVWKH³XVHE\´GDWH
‡³6HOOE\´'DWH0DQXIDFWXUHUVUHFRPPHQGWKDWVWRUHVPRYHD
SURGXFWE\WKLVGDWH'RQ¶WEX\IRRGZLWKDGDWHWKDWKDVFRPH
DQGJRQH,I\RXDOUHDG\KDYHVXFKDSURGXFWHDWLWZLWKLQRQH
RUWZRGD\VDJDLQVRPHIRRGVZLOOODVWORQJHU
‡&RGHG'DWHV7KHDOSKDQXPHULFKRGJHSRGJHRQDFRQWDLQHU
,VDFRGHWKHPDQXIDFWXUHUXVHVIRUWUDFNLQJ%XWLI\RXORRN
FORVHO\VRPHFRQFHDODGDWH$FRPPRQV\VWHPDVVLJQVDOHWWHU
WRWKHPRQWK$ -DQXDU\DQGDQXPEHUWRWKH\HDU
WKDWWKHLWHPZDVSDFNDJHG7KHUHVWRIWKHVHTXHQFHVLJQDOVWKH
ORFDWLRQRILW¶VSDFNLQJIDFLOLW\ZKLFKLVXVXDOO\XVHIXOWRNQRZ
RQO\LIWKHSURGXFWLVUHFDOOHG
FRQWLQXHGRQ3DJH
3DJH
Income
'XHV3DLG
*DODUHJLVWUDWLRQ
*DODDXFWLRQ
*DODVSRQVRUVKLSV
7RWDO,QFRPH
)LQDQFLDO2YHUYLHZ
Banking
0DLQ$FFRXQW
2WKHU$FFRXQW
2YHUDOO&DVKLQ%DQN
WINE CLUB
Expense
7+58
*DOD([SHQVHV
*D]HWWH-XO\
/DQGVFDSLQJ
0DQDJHPHQW)HH
*DUGHQLQJ
:HEVLWH+RVWLQJ
7RWDO([SHQVHV
E\&DWK\:LOOV
3(5$/7$+,//6:,1(&/8%*$,163238/$5,7<
7KH3HUDOWD+LOOV:LQH&OXEPHHWVHYHU\RWKHUPRQWK
DW YDULRXV KRPHV LQ WKH DUHD WR WDVWH DQ OHDUQ DERXW
ZLQHV IURP YDULRXV UHJLRQV IURP DURXQG WKH ZRUOG
7KHFOXEKDVPHWWKUHHWLPHVDQGKDVKDGDQH[FHOOHQW
WXUQRXWHDFKWLPH
7KH¿UVWPHHWLQJZDVKRVWHGE\'U+RZDUGDQG/LQGD
.QRKODWWKHLULPSUHVVLYH)R[SRLQWH0DQRU$SSUR[L
PDWHO\DWWHQGHGWKDWPHHWLQJZKHUHWKHWKHPHZDV
IDYRULWH ZLQHV SULFHG XQGHU 7KH DSSHWL]HUV ZHUH
DPD]LQJ DQG WKH JURXS GHFLGHG XSRQ VRPH RI WKH
JXLGHOLQHVIRUIXWXUHPHHWLQJV7KHDWWHQGHHVZHUHDOVR
WUHDWHGWRDWRXURIWKH.QRKO¶VXQGHUJURXQGZLQHFHOODU
DVZHOODVWKHLQFUHGLEOHJURXQGV
7KHVHFRQGPHHWLQJZDVKRVWHGE\'RQDQG/LQGD$VK
OHLJKLQWKHLUEHDXWLIXOJDUGHQV7KH6RXWK&RDVW:LQ
HU\ZDVLQYLWHGWRGRDWDVWLQJDWWKDWHYHQW'RQDQG
/LQGD ZRUNHG FORVHO\ ZLWK WKH RZQHU -LPP\ &DUWHU
ZKRLVDOVRD3HUDOWD+LOOVUHVLGHQWWRGRH[TXLVLWHIRRG
SDLULQJV7KHHYHQWZDVDWWHQGHGE\DERXWUHVLGHQWV
DQGWKH:LQHU\DOVRGRQDWHGDQLJKW¶VVWD\DWWKHLUZLQ
'UDQG0UV$.OHLQ%HQDQG-XOLH5RGULJXH]
3DJH
HU\EXQJDORZV WR WKH 3HUDOWD +LOOV
*DOD 7KH FOXE VDPSOHG WKHLU PRVW
SRSXODUYDULHWLHVDQGZDVJLYHQWKHRSSRUWXQLW\WRSXU
FKDVHZLQHVDWDGLVFRXQWWKDWHYHQLQJ
0RUHUHFHQWO\WKHFOXEPHWDWWKHORYHO\KRPHRI-LOO
%ULGJH DQG 'DYH :LOVRQ ZKR ZHUH YHU\ KRVSLWDEOH
KRVWV WKDW SURYLGHG GHOHFWDEOH DSSHWL]HUV DQG D ZDUP
SRRO VLGH DWPRVSKHUH IRU WKH PHHWLQJ 7KH WKHPH IRU
WKLVPHHWLQJZDVIDYRULWHZLQHVYDOXHGRYHU7KH
FOXEVDPSOHGHYHU\WKLQJIURP&KDPSDJQHWRVRPHLP
SUHVVLYH&DEHUQHWV7KHUHZHUHRYHULQDWWHQGDQFHDW
WKHODVWPHHWLQJDVWKHFOXEJDLQVHYHQPRUHSRSXODULW\
7KHQH[WPHHWLQJZLOOEHKHOGDWWKH+DPLOWRQ¶VHVWDWH
RQ'HFHPEHUWKZKHUHWKHWKHPHZLOOEHFKDPSDJQH
(YHU\RQHZKRDWWHQGVZLOOEHDVNHGWREULQJDERWWOHRI
FKDPSDJQHUDWHG3DUNHURU:LQH6SHFWDWRUUDWLQJV
SRLQWVRUKLJKHUDQGDZULWHXSDERXWWKHZLQHWRWKH
PHHWLQJ,I\RXDUHLQWHUHVWHGLQDWWHQGLQJRUZRXOGOLNH
PRUH LQIRUPDWLRQ DERXW WKH ZLQH FOXE SOHDVH FRQWDFW
&DWK\:LOOVDWRUFDZLOOV#SDFEHOOQHW
3DW0DKRQH\DQG'UDQG0UV1*XLFKHW
PERALTA HILLS GALA 2009
3DJH
PERALTA HILLS GALA 2009
3DJH
PERALTA HILLS GALA 2009
3DJH
PERALTA HILLS GALA 2009
3DJH
New Homeowners
%\'HOLD&DER
$UWKXUDQG0DUWKD)ORUHV'HOLD&DER6RQLD-HNXPVDQG-RHDQG0DULQD&KLUFR
Facts, Tips, Recipes and More
6DYHWKRVH3XPSNLQ6HHGV
3XPSNLQLVORDGHGZLWKDQLPSRUWDQWDQWLR[LGDQWEHWD
FDURWHQH ZKLFK RIIHUV SURWHFWLRQ DJDLQVW KHDUW GLVHDVH
DQGPD\UHGXFHWKHULVNRIGHYHORSLQJFHUWDLQFDQFHUV
3OXVGRQ¶WWRVVWKHVHHGVWKH\¶UHVXSHUQXWULWLRXVKLJK
LQSURWHLQLURQSKRVSKRUXV
7RDVWHG 3XPSNLQ 6HHGV 6SUHDG FXS ZDVKHG GULHG
XQKXOOHGRUUDZKXOOHGSXPSNLQVHHGVLQDVLQJOHOD\HU
LQDJODVVEDNLQJGLVK&RDWZLWKQRQVWLFNVSUD\0LFUR
ZDYHRQKLJKVWLUULQJHYHU\PLQXWHVXQWLOJROGHQDQG
SXIIHG6SULQNOHZLWKWVSVDOWDQGWVSHDFKJDU
OLFDQGRQLRQSRZGHUDQGSDSULND)URP:RPHQ¶V'D\
0DJD]LQH
1HZ KRPHRZQHUV -RH DQG 0DULQD &KLUFR DQG
$UWKXU DQG 0DUWKD )ORUHV ZHUH LQWURGXFHG E\
'HOLD&DERDQG6RQLD-HNXPVDWWKH*DOD7KH
)ORUHVHVDUHORQJWLPHUHVLGHQWVRI3HUDOWD+LOOV
KRZHYHU WKLV \HDU WKH\ DGGHG DQRWKHU DFUH WR
WKHLU SURSHUW\ 7KH &KLUFRV DUH KDSS\ WR KDYH
PHW VR PDQ\ IULHQGO\ QHLJKERUV DQG DUH H[
FLWHG WR EH SDUW RI RXU ZRQGHUIXO FRPPXQLW\
7KH FRXSOHV ZHUH SUHVHQWHG ZLWK D FHUWL¿FDWH
IURP%DFL:HDVVXUHGWKHPWKDW%DFL¶VRZQHU
9LWWRULR6HYHULQRZLOOWDNHJRRGFDUHRIWKHP
FRQWLQXHGIURP3DJH
WKLQJVWRGRZLWK$OND6HOW]HU
'HHS&OHDQ9DVHV²)LOOZLWKZDUPZDWHUDQGGURSLQWZRRI
WKHVHEDNLQJVRGDULFKWDEOHWV/HWVRDNIRUDQKRXUWRUHPRYHWKH
VWDLQV\RXFDQ¶WUHDFK
6SHHG6FUXEWKH7RLOHW²7ZLFHDZHHNGURSWZRWDEOHWVLQWR
WKHERZOPLQXWHVODWHUGRDRQFHDURXQGZLWKWKHEUXVK
0DNHDQ$OO3XUSRVH&OHDQHU²'URSWKUHHWDEOHWVLQWRR]ZDUP
ZDWHU2QFHWKH¿]]LQJVWRSVZLSHGRZQFRXQWHUVWLOHVDQGWXEV
6DIHO\8QFORJD'UDLQ²'URRSWKUHHWDEOHWVLQWRWKHGUDLQDQG
UXQ KRW ZDWHU IRU D IHZ VHFRQGV WKH KRWWHU WKH ZDWHU WKH PRUH
¿]]LQJ/HWVLWIRUPLQXWHV
%XLOG5RFNHWV²(QWHUWDLQOLWWOHRQHVE\KHDGLQJRXWVLGHZLWKDQ
HPSW\¿OPFDQLVWHUGRZHVWLOOKDYH¿OPFDQLVWHUVDURXQG¿OOLQJ
LWKDOIZD\ZLWKZDUPZDWHUDQGGURSSLQJLQDKDOIWDEOHW6QDSRQ
WKHOLGDQGSODFHWKHFDQLVWHUOLGGRZQ7DNHDVWHSEDFNDQGZDWFK
LWODXQFKLQWRWKHDLU
President’s Message
ZLWKLQWKHERXQGDULHVRI3HUDOWD+LOOVDUHSDUWLFLSDWLQJ
RQWKHYROXQWDU\DVVRFLDWLRQPHPEHUVKLS:HDOOUHDS
WKH EHQH¿WV WKDW WKH VWUHQJWK RI RXU FRPPXQLW\ DVVR
FLDWLRQ SURYLGHV WKURXJK ODQGVFDSLQJ DQG FOHDQ XS RI
SXEOLFDUHDVDVZHOODVSLHFHRIPLQGWKURXJKRXUSHW
UHJLVWU\DQGRWKHUVRFLDOQHWZRUNV6WLOORQWKHIHQFH
DV WR ZKHWKHU RU QRW PHPEHUVKLS LV IRU \RX" &KHFN
RXW WKH QHZ ZHEVLWH ZZZSHUDOWDKLOOVDVVRFLDWLRQFRP
WRVHHKRZEHFRPLQJDPHPEHUFDQPDNHDGLIIHUHQFH
IRU \RX DQG \RXU IDPLO\ 2XU DVVRFLDWLRQ DGPLQLVWUD
WRU 7DPP\ 0RXQW LV GRLQJ D JUHDW MRE IRU WKH UHVL
GHQWVRIRXU3HUDOWD+LOOVQHLJKERUKRRG(DFKPRQWK
ZH DUH GULYLQJ WKH DUHD ZLWK FRPPXQLW\ JDUGHQHU
3DJH
FRQWLQXHGIURP3DJH
7RQ\%HUQDOWRFUHDWHDSXQFKOLVWRILWHPVIRU7RQ\WR
ZRUNRQGXULQJKLV)ULGD\URXWH7KHQHLJKERUKRRGLV
ORRNLQJDZHVRPH
$V ZH JHW SUHSDUHG IRU WKH IDOO DQG ZLQWHU VHDVRQV
GRQ¶WIRUJHWWRUHVHW\RXULUULJDWLRQV\VWHPWRZDWHUOHVV
IUHTXHQWO\DVZHOODVDQ\OLJKWLQJV\VWHP\RXPD\KDYH
RQDGD\OLJKWVDYLQJVWLPHVFKHGXOH
$OOWKHEHVWWR\RX
3DWULFN
HUMOR
E\&UDLJ:LOGYDQN
+LQHLJKERUV:HOOZHKDGDQRWKHUJUHDWIXQGUDLVHUSDUW\WRVXSSRUWRXU3HUDOWD+LOOLPSURYHPHQWV:HPLVVHG
VRPHROGIDFHVDQGZHOFRPHWKHQHZRQHV7KLVLVDJUHDWRSSRUWXQLW\WRNQRZ\RXUQHLJKERUVDQGJHWLQYROYHG
³RUQRW´6RSOHDVHMRLQXVQH[W\HDURUMXVWMRLQXVDWWKH3HUDOWD+LOOVZLQHWDVWLQJFOXEWKDWPHHWVHYHU\RWKHU
PRQWK5RVHOLDQG,KDYHPDGHVRPHJUHDWIULHQGVKHUHDQGZHZRXOGOLNHWRPHHW\RXWRR
,I\RXKDYHDIDYRULWHMRNHRUVWRU\DQGZDQWVKDUHLWWKHQ³VHQGLW´WRFUDLJ#FZVHUYLFHVXV2U,ZLOOMXVWNHHS
ZULWLQJWKLVFUDS+DKD7KDQNVWRDOO&UDLJ:LOGYDQN
)RUWKHPDFKRPDQLQ3HUDOWD
)RUWKHODZ\HULQ3HUDOWD
, JX\ OHIW IURP ZRUN RQH )ULGD\ DIWHUQRRQ %XW LQVWHDG RI JRLQJ $GHIHQGDQWZDVLQDERJXVODZVXLWLQYROYLQJODUJHVXPVRIPRQH\
KRPHKHVWD\HGRXWWKHHQWLUHZHHNHQGJRO¿QJDQGSDUW\LQJZLWKWKH +HWROGKLVODZ\HU,FDQ¶WORRVHWKLVFDVH+LVODZ\HUVDLG³LW¶VLQWKH
ER\VDQGEOHZDORDGRIPRQH\:KHQKH¿QDOO\JRWKRPH6XQGD\ MXGJHVKDQGVQRZ´+HDVNHGZRXOGLWKHOSLI,VHQWKLPDER[RI
QLJKWKHZDVFRQIURQWHGE\DYHU\DQJU\ZLIHDQGZDVEDUUDJHGIRU FLJDUV7KHDWWRUQH\VDLGµ1R7KHMXGJHFRXOGYLHZWKLVDVXQHWKLFDO
WZRKRXUVZLWKDWLUDGHEH¿WWLQJKLVDFWLRQV)LQDOO\VKHVWRSSHGWKH EHKDYLRUDQGPLJKWSUHMXGLFHKLPDJDLQVW\RX+HPLJKWHYHUKROG
QDJJLQJDQGVDLGWRKLP´+RZZRXOG\RXOLNHLWLI\RXGLGQ¶WVHH \RXLQFRQWHPSWRIFRXUW´7KHMXGJHUHQGHUHGKLVGHFLVLRQLQIDYRU
PHIRUWZRWRWKUHHGD\V"´7RZKLFKKHUHSOLHG´7KDWZRXOGEH¿QH RIWKHGHIHQGDQW:KHQWKH\OHIWWKHFRXUWKRXVHKHWKDQNHGKLVDW
ZLWKPH´6R0RQGD\ZHQWE\DQGKHGLGQ¶WVHHKHU7XHVGD\DQG WRUQH\IRUWKHWLSDERXWWKHFLJDUV,WUHDOO\ZRUNHG´&RQ¿GHQWO\WKH
:HGQHVGD\FDPHDQGZHQWZLWKWKHVDPHUHVXOWV%\7KXUVGD\WKH ODZ\HU UHVSRQGHG ³,P VXUH ZH ZRXOG KDYH ORVW WKH FDVH LI \RX¶G
VZHOOLQJZHQWGRZQMXVWHQRXJKZKHUHKHFRXOGVHHKHUDOLWWOHELW VHQWWKHP´³%XW,GLGVHQWWKHP´UHSOLHGWKHPDQ³:KDW"´VKRXWHG
RXWRIWKHFRUQHURIP\OHIWH\H
WKHODZ\HU"³,VXUHGLGWKDW¶VKRZZHZRQWKHFDVH«JRRGWKLQJ,
UHPHPEHUHGWRHQFORVHWKHSODLQWLII¶VEXVLQHVVFDUG´
)RUWKHWUDYHOHUVLQ3HUDOWD
,Q3DULVZHVDZWZR)UHQFKEXVLQHVVPHQDQGWKH\ZHUHVLWWLQJGRZQ )RUWKHFRXJDULQ3HUDOWD
IRUDEUHDNLQWKHLUVRRQWREHQHZVWRUH$V\HWWKHVWRUHZDVQ¶W 7R$OO WKH ZRPHQ ZKRP ZDQW D ER\IULHQG WKDW¶V \RXQJ HOHJDQW
UHDG\ZLWKRQO\DIHZVKHOYHVVHWXS,KHDUGRQHVD\WRWKHRWKHU, PDQQHUHGDQGZHOOGUHVVHG«8QIRUWXQDWHO\WKRVHPHQDOUHDG\KDYH
EHWDQ\PLQXWHD$PHULFDQLGLRWWRXULVWVLVJRLQJWRZDONE\DQGDVN DER\IULHQG6RKDKD<RXUVWXFNZLWKXV
ZKDWZH¶UHVHOOLQJ6R,SHHNLQDQGDVNHG³:KDWDUH\RXVHOOLQJ $QGHVSHFLDOO\WKHORQJFXUO\KDLUHG)UDQFHPHQDWWKH0X]HR3DUW\
KHUH"´2QHRIWKHPHQUHSOLHGVDUFDVWLFDOO\ZH¶UHVHOOLQJDVVKROHV ³<HV/DGLHV´KH¶V*D\WRR«7KDW¶VDVLGHMRNHIRUWKRVHZKRVD\
:LWKRXWVNLSSLQJDEHDW,VDLGµ<RX¶UHGRLQJZHOO«RQO\WZROHIW ³WKDW¶VQRWIXQQ\´
TENNIS Anyone?
E\-RDQ6FKOXQG
)RUWKRVHRIXVZKRZDWFKHGWKH862SHQLWZDVVXSHUEWHQQLVDVXVXDO+RZHYHU
ZDWFKLQJ)HGHUHU¶VPDWFKDJDLQVW1RYDN'MDNRYLFZKHQ)HGHUHUSXOOHGRIIDVRUWRIWULFN
VKRWHQDEOLQJ)HGHUHUWRJHWWRPDWFKSRLQWFDXVHGWKHYLHZHUWRSDXVHDQGDVN³'LG,
UHDOO\VHHWKDWUHWXUQ"´,PSRVVLEOH7KHVKRWWKDW)HGHUHUPDGHZDVDEDFNWRWKHQHW
EHWZHHQKLVOHJVFURVVFRXUWSDVVLQJZLQQHU
7KHUHZHUHDQXPEHURI)LUVWLQWKLV\HDU¶V2SHQ
.LP &OLMVWHUV EHFDPH WKH ¿UVW PRWKHU WR UHDFK D *UDQG
6ODP )LQDO VLQFH<YRQQH *RROHJRQJ²&DZOH\ ZRQ :LP
EOHGRPLQ
-XDQ0DUWLQGHO3RWUREHFDPHWKH¿UVWPDQIURP$UJHQ
WLQDWRZLQWKH862SHQVLQFH*XOOHUPR9LORVZRQLQ
$IRRWIDXOWFDOODJDLQVWWKHSOD\HU6HUHQD:LOODLPVLQ
WKH6HPL¿QDOVZDVD¿UVWVXFKFDOOLQWKHKLVWRU\RIWKH86
2SHQ+HDGOLQHVLQQHZVSDSHUVWKURXJKRXWWKHZRUOGLQEROG
SULQWVWDWHG6HUHQD/RVHV+HU&RRO6HUHQDORVWKHU³FRRO´
DQGWKHPDWFKZKHQWKHOLQHMXGJHFDOOHGIRRWIDXOW:LOOLDPV
ZHQWRYHUDQGVKRXWHGDQGFXUVHGDWWKHOLQHMXGJHSRLQWLQJ
DQGVKDNLQJDEDOODWKHUVXEVHTXHQWO\6HUHQDZDV¿QHGIRU
XQVSRUWVPDQOLNHFRQGXFW
7KH XVXDOO\ XQÀDSSDEOH )HGHUHU DOZD\V LQ FRQWURO RI KLV
HPRWLRQV DQG PDWFKHV DUJXHG ZLWK FKDLU HPSLUH DQG XVHG
3DJH
SURIDQLW\ )HGHUHU ORVW WKH PDWFK DQG OHW WKH 86 2SHQ
&KDPSLRQVKLSVOLSIURPKLVJUDVS)HGHUHUZDV¿QHGIRUKLV
EHKDYLRURQWKHFRXUW
$SURPLVLQJ\HDUROG$PHULFDQIURP*HRUJLD0HODQLH
2XGLQEHFDPHRQHWRZDWFKDIWHUGHIHDWLQJ$QDVWDVLD3DY
O\XFKHQNRYDDQG(OHQD'HPHQWLHYD)ROORZLQJWKHVHZLQV
DZD\IURPWKHFRXUWZHUHH[WUDLQWHUYLHZVSKRWRRSVJUHHW
LQJV IURP VWUDQJHUV RQ WKH VWUHHW DQG DXWRJUDSK VHHNHUV LQ
WKH KRWHO OREE\ 0HODQLH ORVW LQ WKH TXDUWHU ¿QDOV WR &DUR
OLQH:R]QLDFNL6SHFWDWRUVZKRZDWFKHG³WKRURXJKO\0RG
HUQ0HODQLH´XSVHWROGHUKLJKHUUDQNHGSOD\HUVDWWKH86
2SHQZLOOEHURRWLQJIRU0HODQLHDWWKHQH[WPDMRUWHQQLV
WRXUQDPHQW
Goooo Melanie!!!
Business Page
7KLVSDJHLVUHVHUYHGIRURXUQLHJKERUVZKRZLVKHVWRDGYHUWLVHWKHLURZQEXVLQHVVHVRUZKRZRXOGOLNHWRUHIHURWKHUVHUYLFHV
12-2%,6722%,*2572260$//
3HDFHRI0LQG2UJDQL]DWLRQ&RPSDQ\RIIHUV
$Q\5RRP2UJDQL]LQJ&ORVHW2UJDQL]LQJ
%HGURRP.LWFKHQ&DELQHWV
5HIULJHUDWRU/DXQGU\5RRP
/LEUDU\5RRP*DUDJH
%DFN\DUG+DXOLQJ
$QRWKHUVHUYLFHRIIHUHGWRRXUFXVWRPHUVLV
3HUVRQDO6KRSSLQJ
*URFHU\
3KDUPDF\
5HWDLO6WRUH
+DUGZDUH6WRUH
7KHKROLGD\VDUHFRPLQJOHWXVJLYH\RXWKHSHDFHRI
PLQGWRHQMR\WKHZDUPWKDQGMR\RI\RXUIDPLO\DQG
IULHQGV3OHDVHFRQWDFW*HRII$OWPDQDW
FHOORURI¿FHGD\RUHYHQLQJV
7DQ\D1HXVWLFH
2ZQHU&HUWL¿HG3HUVRQDO7UDLQHU
3HUVRQDO7UDLQHUV2Q7KH*R
³,QFUHDVH(QHUJ\,PSURYH)OH[LELOLW\
/RVH:HLJKW7RQH8S´
³:H¶OO&RPHWR<RXU+RPHRU2I¿FH´
³$VNXVDERXWKRZWRUHFHLYH21()5((6(66,21´
&HOO
ZZZSHUVRQDOWUDLQHUVRQWKHJRFRP
3DJH
+(//21(,*+%2856
:HMXVWPRYHGLQWRWKHDUHD
,I\RXQHHGKHOSZLWKDQ\
‡
$/7(5$7,216
‡
+(00,1*
‡
%52.(1=,33(56
‡
6(:,1*
&$//0$*'$
RUHPDLO
PDJGDOHQDFKLUFR#\PDLOFRP
66WDUOLJKW'ULYH
$QDKHLP&$
:RPHQ¶V+HDOWK³$UH<RX*HWWLQJ$OO<RX&DQ)URP<RXU:HOO:RPDQ([DP"´FRQWLQXHGIURP3DJH
WKH+39YDFFLQH7KHYDFFLQHWULJJHUV
\RXULPPXQHV\VWHPWR¿JKWRIIWKHVH
YLUXVHV LI \RX DUH H[SRVHG WR WKHP
+39 YDFFLQH *DUGDVLO LV JLYHQ DV GRVHVRYHU D PRQWK SHULRG IRU JLUOV
DQG\RXQJZRPHQDJHVWR7KLV
YDFFLQH SURWHFWV DJDLQVW W\SHV RI
+39 WKDW FRPPRQO\ FDXVH JHQLWDO
ZDUWVDQGFHUYLFDOFDQFHU,WLVEHVWWR
JHWWKHYDFFLQHEHIRUH\RXVWDUWKDYLQJ
VH[+RZHYHU\RXPD\VWLOOJHWVRPH
SURWHFWLRQ HYHQ LI \RX DOUHDG\ KDYH
EHHQVH[XDOO\DFWLYH7KLVLVEHFDXVH
WKH YDFFLQH FDQ SURWHFW \RX IURP
JHWWLQJRWKHU+39W\SHV
2VWHRSRURVLVSUHYHQWLRQ2QFHPDGH
\RXUERQHVJRWKURXJKDFRQVWDQWVWDWH
RIEXLOGXSDQGEUHDNGRZQ8QWLODJH
\RXUERQHVDUHIRUPHGIDVWHUWKDQ
WKH\DUHEURNHQGRZQFUHDWLQJVWURQJ
GHQVHERQHV$IWHUDJHWKHSURFHVV
EHJLQVWRUHYHUVHZLWKERQHEUHDNGRZQ
RFFXUV IDVWHU WKDQ ERQH IRUPDWLRQ
7KLV SURFHVV FRQWLQXHV IRU WKH UHVW
RI \RXU OLIH DQG EHFRPHV DFFHOHUDWHG
DIWHU PHQRSDXVH 7KLV FDQ OHDG WR
RVWHRSRURVLVZKHQERQHVEHFRPHWKLQ
DQG IUDJLOH EUHDNLQJ HDVLO\ 6LQFH
LW LV KDUG WR JURZ QHZ ERQH DIWHU LW
LV ORVW SUHYHQWLQJ RVWHRSRURVLV LV
NH\ ,Q SUHYHQWLRQ \RX QHHG WR GR
ZHLJKWEHDULQJ H[HUFLVHV VXFK DV VWHS
DHURELFV ZDONLQJ DQG FRQVXPLQJ
HQRXJK FDOFLXP DQG YLWDPLQ ' <RX
QHHGDWOHDVWWKLUW\PLQXWHVRIZHLJKW
EHDULQJH[HUFLVHVGDLO\DQGWDNH
PJ RI FDOFLXP DQG YLWDPLQ '
IRU RSWLPDO ERQH KHDOWK,I \RX DUH
SRVWPHQRSDXVDODQGQRWRQKRUPRQH
UHSODFHPHQWWKHUDS\\RXVKRXOGKDYH
D ERQH PLQHUDO GHQVLW\ WHVW HYHU\ \HDUV ,I RVWHRSRURVLV LV GLDJQRVHG
\RX VKRXOG VWDUW WUHDWPHQW ZLWK
PHGLFDWLRQWRVORZGRZQERQHORVV,I
\RX RQO\ KDYH RVWHRSHQLD GHFUHDVHG
ERQHPLQHUDOGHQVLW\DQGKDYHRWKHU
ULVN IDFWRUV VXFK DV ORZ ERG\ ZHLJKW
HDUO\ PHQRSDXVH SHUVRQDO KLVWRU\ RI
IUDFWXUHIDPLO\KLVWRU\RIRVWHRSRURVLV
&DXFDVLDQ UDFH \RX VKRXOG DOVR WDNH
PHGLFDWLRQWRSUHYHQWERQHORVV
7R LQFUHDVH \RXU FKDQFHV RI VWD\LQJ
3DJH
KHDOWK\\RXQHHGWRSUHYHQWERQHORVV
7KLV PHDQV H[HUFLVH HYHU\GD\ DQG
JHWWLQJ HQRXJK FDOFLXP ZLWK YLWDPLQ
'WRPDLQWDLQVWURQJERQHV%HVXUHWR
WDONWR\RXUGRFWRULI\RXWKLQN\RXPD\
KDYHERQHORVV
3HOYLF SURODSVH SUREOHPV +DYH \RX
H[SHULHQFH DQ\ V\PSWRPV RI YDJLQDO
SUHVVXUH SHOYLF GLVFRPIRUW RU XULQH
OHDNLQJ" 7KHVH DUH WKH V\PSWRPV RI
SHOYLF SURODSVH SUREOHPV ,Q SHOYLF
SURODSVH WKH VXSSRUW V\VWHP RI WKH
YDJLQDLVZHDNHQHGFDXVLQJWKHXWHUXV
EODGGHURUUHFWXPWRIDOOLQWRWKHYDJLQD
7KLVRFFXUVDVWKHUHVXOWRISUHJQDQF\
PHQRSDXVH DQG WKH DJLQJ SURFHVV
6LQFH LW LV FRPPRQ DQG RIWHQ QRW
DVNHG , URXWLQHO\ LQTXLUH DERXW WKHVH
V\PSWRPVWRDGGUHVVWRWKHLVVXH)RU
VRPHRI\RXWKHORVVRIEODGGHUFRQWURO
FDQ DIIHFW \RXU TXDOLW\ RI OLIH ZKHUH
\RX KDYH WR XVH SURWHFWLRQ RU VWRS
GRLQJH[HUFLVHGXHWRXULQDU\OHDNLQJ
7UHDWPHQWVIRUWKHVHSUREOHPVGHSHQG
RQ WKH VHYHULW\ RI V\PSWRPV )RU
PLOGFRQGLWLRQVVSHFLDOSHOYLFPXVFOH
H[HUFLVHV VXFK DV .HJHO H[HUFLVH PD\
KHOS\RXUV\PSWRPV)RUPRUHVHYHUH
FRQGLWLRQV\RXPD\QHHGPHGLFDWLRQ
VSHFLDO YDJLQDO GHYLFHV RU VXUJHU\
6LQFHLWLVDFRPPRQSUREOHPWDONWR
\RXU GRFWRU LI \RX KDYH V\PSWRPV
7KHULJKWGLDJQRVLVDQGWUHDWPHQWFDQ
RIWHQRIIHUVLJQL¿FDQWUHOLHI
0HQRSDXVHDQGKRUPRQHUHSODFHPHQW
'R\RXKDYHV\PSWRPVRIKRWÀXVKHV
PRRG VZLQJV DQG YDJLQDO GU\QHVV"
,I \RX GR \RX PD\ EH PHQRSDXVDO
7KHDYHUDJHDJHIRUPHQRSDXVHLV
EXW \RX PD\ H[SHULHQFH V\PSWRPV
DVHDUO\DV\HDUVROG0HQRSDXVDO
V\PSWRPV VXFK DV KRW ÀXVKHV PRRG
VZLQJV VOHHS SUREOHPV YDJLQDO
GU\QHVV DQG GHFUHDVH VH[ GULYH FDQ
DIIHFW \RXU TXDOLW\ RI OLIH 7KHVH
V\PSWRPV UHVXOWHG IURP \RXU RYDULHV
QRW SURGXFLQJ HQRXJK RI \RXU IHPDOH
KRUPRQHVHVWURJHQDQGSURJHVWHURQH
+RUPRQHWKHUDS\FDQKHOSUHOLHYHKRW
ÀXVKHVDQGYDJLQDOGU\QHVVDQGUHGXFH
WKHULVNRIRVWHRSRURVLV7KHGHFLVLRQ
WR WDNH KRUPRQH WKHUDS\ GHSHQGV RQ
\RXU V\PSWRPV PHGLFDO KLVWRU\ DJH
DWPHQRSDXVHDQGULVNVRIERQHORVV
(VWURJHQLVEHVWLQUHOLHYLQJKRWÀXVKHV
YDJLQDO GU\QHVV DQG PRRG FKDQJHV
+RZHYHU DV ZLWK DQ\ PHGLFDWLRQ
HVWURJHQ DOVR LQFUHDVHV ULVNV RI EORRG
FORWV VWURNHV KHDUW DWWDFN DQG EUHDVW
FDQFHU7KHVHULVNVFDQYDU\GHSHQGLQJ
RQKRZIDU\RXDUHSDVWPHQRSDXVH,I
\RXDUH\HDUVSDVWPHQRSDXVHZKHQ
VWDUW RQ KRUPRQH WKHUDS\ \RX KDYH
PRUHULVNWKDQVRPHRQHZKRLVRQO\
WR\HDUVSDVWPHQRSDXVH7KHJRDO
RIWKHUDS\LVWKDW\RXVKRXOGWDNHWKH
ORZHVWGRVHWKDWZRUNVIRU\RXIRUWKH
VKRUWHVW DPRXQW RI WLPH7KH ORVV RI
HVWURJHQFDQDOVRFDXVHYDJLQDOWKLQQLQJ
DQG GU\QHVV 7KLV FDQ FDXVH LWFKLQJ
EXUQLQJ DQG SDLQIXO VH[ 9DJLQDO
HVWURJHQFUHDPPDNHVWKHWLVVXHWKLFNHU
DQGUHOLHYHVWKHVHV\PSWRPV
(VWURJHQ DOVR KHOSV WR SUHVHUYH ERQH
DQG SUHYHQW RVWHRSRURVLV ,I \RX DUH
WDNLQJKRUPRQHWKHUDS\WRUHOLHYHRWKHU
V\PSWRPVRIPHQRSDXVH\RXZLOOJHW
WKH EHQH¿W RI SURWHFWLQJ \RXU ERQHV
+RZHYHULWRQO\SURWHFWV\RXDVORQJ
DV\RXWDNHLW2QFH\RXVWRSERQHORVV
UHVXPHV2WKHUGUXJVDUHDYDLODEOHWR
SUHYHQWERQHORVVLIKRUPRQHWKHUDS\LV
QRWULJKWIRU\RX7DONWR\RXUGRFWRU
DERXW KRUPRQH UHSODFHPHQW WKHUDS\
VR \RX NQRZ ZKDW \RXU RSWLRQV DUH
7KHVH DUH WKH LVVXHV , PRVW RIWHQ
DGGUHVV GXULQJ \RXU ZHOO ZRPDQ
YLVLW 2I FRXUVH LI RWKHU WRSLFV FRPH
XSWKH\ZRXOGJHWDGGUHVVHGDVZHOO
$FKLHYLQJ \RXU RSWLPDO J\QHFRORJLF
KHDOWK UHTXLUH RSHQ FRPPXQLFDWLRQ
EHWZHHQ\RXDQG\RXUGRFWRU7KURXJK
URXWLQHZHOOZRPDQH[DPVDQGKHDOWK
HGXFDWLRQ \RX ZLOO EH DEOH WR VWD\
KHDOWK\DQGSUHYHQWPDQ\GLVHDVHV
,KRSHWKLVDUWLFOHZDVLQIRUPDWLYH<RX
FDQ DOVR ¿QG WKLV LQIRUPDWLRQ RQ P\
ZHEVLWH DW ZZZKHOHQOXRQJPGFRP
3OHDVH IHHO IUHH WR FRQWDFW PH LI \RX
KDYHDQ\TXHVWLRQV
1H[W,VVXH'U5DNHVK%KROD
VLPSOHUXOHV
WREHWWHUKHDOWK\OLYLQJ
The Seventh Daughter
E\6DQGUD'D\
7KLVLVWKH¿UVWFKDSWHULQDVHULHVWKDWZLOOEHSULQWHGLQWKHJD]HWWHIRU\RXUHQMR\PHQW&KDUDFWHULVGH¿QHGGXULQJ
WKHFKDOOHQJHVRIOLIH,KRSHWKLVVWRU\ZLOOEULQJKRSHDQGLQVSLUDWLRQWR\RXGXULQJVXFKWLPHV
&KDSWHU2QH
+HUIDWKHU.HQQHWKKDGDOZD\VWROGKHUWKDW³7KHVHY
HQWKGDXJKWHURIWKHVHYHQWKGDXJKWHUFRXOGVHHLQWRWKH
IXWXUH´+HZDVLQGHHGDZKLPVLFDOPDQ¿OOHGZLWKVLO
O\DQHFGRWHVDOLYHO\LPDJLQDWLRQDQGKRSHIXOPHVVDJHV
GHHSO\ LPEHGGHG LQ WKH VHFUHW FKDPEHUV RI KHU KHDUW
:LWKVL[ROGHUVLVWHUVDQGRQO\RQHEDWKURRPWRVKDUH
$O\VRQ WKH \RXQJHVW GDXJKWHU OHDUQHG YHU\ TXLFNO\ LQ
WKLV EXVWOLQJ KRXVHKROG WKDW WKHUH LV QRWKLQJ IDLU DERXW
OLIHLWZLOOSRVHLWVFKDOOHQJHVZKLOHGHYRXULQJWKHZHDN
ZKLFKFRQVHTXHQWO\PHDQWWKDWLIVKHZDVWRVXUYLYHWKH
PD\KHPVRIKHUKRPHOLIHRUOLIHDOWRJHWKHUVKHKDGWR
EHFOHYHUDFRQVWDQWRSSRUWXQLVWWRXJKDVQDLOVUHOHQW
OHVVDQGDERYHDOODFKDPSLRQ¶VKHDUWPXVWUHVLGHZLWKLQ
7KH6SDQLVKFXOWXUHLVDQLQWHUHVWLQJRQH¿OOHGZLWKULFK
WUDGLWLRQV ZKLFK LQFOXGH ODUJH IDPLOLHV KLJK H[SHFWD
WLRQVDQH[WUHPHOR\DOW\WRRQH¶VSDUHQWVDQGJHQHURXV
SRUWLRQV RI &DWKROLF JXLOW /LOOLDQD KHU PRWKHU DQG D
VHYHQWKFKLOGKHUVHOIRI&RORPELDQGHVFHQWZRXOGLQVWLOO
VXFKYDOXHVLQKHUGDXJKWHUVZKLOHKHUKXVEDQG.HQQHWK
ERUQDQGUDLVHGLQ0DVVDFKXVHWWVZRXOGJHQWO\HQWZLQH
KLV OLJKW KHDUWHG ZD\V DQG RSWLPLVWLF
HXSKHPLVPV WR RIIVHW SHUKDSV LQWHQ
WLRQDOO\ WKH G\QDPLFV RI WKLV GULYHQ
KHQKRXVHRIZKLFKKHZDVLW¶VRQO\URRVWHU
$WWLPHV$O\VRQZRXOGSRQGHUKDGVKHHYHUUHDOO\EHHQ
ZDQWHGDWDOO&KLOGQXPEHUVHYHQZDVDFWXDOO\KHULQ
IDQWEURWKHUZKRPVKHKDGQHYHUPHW³%XWWRQ(DUV´DV
KHZDVWHQGHUO\QLFNQDPHGE\KHUIDWKHUIHOOLOOWRMDXQ
GLFHZKLFKDWWKHWLPHZDVLQFXUDEOH$OWKRXJKDOZD\V
FDUHGIRULQWKHPRVWSUDFWLFDORIZD\V$O\VRQFRXOGQRW
KHOSEXWZRQGHUZDVVKHWKHODVWIDLOHGDWWHPSWIRUDVRQ
E\KHUDJLQJSDUHQWV:K\ZRXOGQ¶WVKH"%\WKHWLPH
VKHKDGEHHQERUQLWZDVKHUROGHUVLEOLQJVWKDWPRVWO\
UDLVHGKHUDQGWKLVZRXOGVRPHKRZQHYHUEHTXLWHULJKW
LQKHUPLQG/RQJLQJIRUWUXHORYHPDWHUQDOORYHWKH
NLQG RI IDLU\WDOH VXQULVH DQG VXQVHW ORYH WKDW RQO\ D
PRWKHUFDQEHVWRZXSRQKHURZQFKLOGZRXOGQHYHUEH
KHUVDQGVRDWDQHDUO\DJHDYRLGZDVFRQFHLYHGDYRLG
ZKLFK ZRXOG LQVWLQFWLYHO\ WDNH TXHXH SUHFLVHO\ DW WKH
WLPHZKHQOLIHDOWHULQJGHFLVLRQVQHHGHGWREHPDGH
PHEIA MANAGEMENT
,DPYHU\H[FLWHGWREHKHOSLQJ\RXUZRQGHUIXOQHLJK
ERUKRRG,ZDQWHGWROHW\RXNQRZDOLWWOHDERXWP\VHOI
,ZDVUDLVHGLQ$QDKHLPMXVWEORFNVIURP'LVQH\ODQG
UHPHPEHUZDONLQJWRWKHKRWHOWRZDWFKWKHZDWHUVKRZ
ZLWKP\EURWKHUVLVWHUVDQGZDWFKLQJWKH¿UHZRUNV
IURPRXUIURQWODZQ,WKLQNWKLVLVWKHUHDVRQ,DPVXFK
D'LVQH\IDQ,ZDVDJLUOVFRXWIURPWKHDJHRI¿YH
XQWLO,ZDVVHYHQWHHQ\HDUVROG,ZDVDQDUWPDMRULQ
FROOHJH,KDYHTXLWHDQHFOHFWLFZRUNEDFNJURXQGWKDW
LQFOXGHV3UHVFKRRO'D\FDUH$VVLVWDQW)UR]HQ<RJXUW
6HUYHU'LVQH\ODQG0DLQ6WUHHW6KRSSH:RUNHU&RIIHH
6KRSSH$VVLVWDQW0DQDJHU&XVWRPHU6HUYLFH6DOHV
5HSUHVHQWDWLYH5HFHSWLRQLVW$FFRXQWV3D\DEOH3D\
UROO&OHUNDQG5HDOWRU$VVLVWDQW0\KXVEDQG.HYLQ
,ZHUHPDUULHGLQ$WWKDWWLPHZHZHUHUHQWLQJD
KRPHLQ$QDKHLPZHWKHQSXUFKDVHGRXU¿UVWKRPHLQ
&RURQD:HORYHGPDNLQJLWRXURZQ7KHQZHIRXQG
3DJH
E\7DPP\0RXQW
WKH KRXVH ZH OLYH LQ QRZ ORFDWHG LQ
<RUED /LQGD DQG IHOO LQ ORYH ZLWK LW
:H MXVW ORYH OLYLQJ EDFN LQ 2UDQJH
&RXQW\&DLWOLQLVRXUIRXU\HDUROG
GDXJKWHU6KHLVWKHOLJKWRIRXUOLYHV
DQGLVVXFKDMR\WRKDYHDURXQG,FDQQRWEHOLHYHVKH
ZLOOEHLQVFKRROQH[W\HDU
,DPVROXFN\WREHDVWD\DWKRPHZLIHDQGPRWKHU:H
KDYH D IDPLO\ RI JROGHQ UHWULHYHUV 3DUHQWV 3DFNHU 0LVV\DQGWKHLUSXSV-DFNDQG-LOO7KH\UDQJHLQDJH
IURP¿YH\HDUVWRWHQ
, DP ORRNLQJ IRUZDUG WR JHWWLQJ WR NQRZ HYHU\RQH LQ
\RXUQHLJKERUKRRGDQGORRNIRUZDUGWRRXUZRUNLQJUH
ODWLRQVKLS,I\RXKDYHDQ\TXHVWLRQVRUFRQFHUQVDERXW
DQ\WKLQJSOHDVHMXVWOHWPHNQRZ<RXFDQUHDFKPH
DWRUE\HPDLOWNPRXQW#VEFJOREDOQHW
Editorial Health in focus
%\6RQLD6-HNXPV
$'LVWLQJXLVKHG*URXSRI3K\VLFLDQVZLOOEHVKDULQJWKHLUPHGLFDOFRQFHSWRI
WKHLUVSHFLDOW\LQDVHULHVRIZULWHXSVLQWKH*D]HWWHWKRIDVHULHV
:RPHQ¶V+HDOWK³$UH<RX*HWWLQJ$OO<RX&DQ)URP<RXU:HOO:RPDQ([DP"´
E\'U+HOHQ/XRQJ
'R\RXJHWHQRXJKFDOFLXPLQ\RXUGLHW
WRSUHYHQWRVWHRSRURVLV"'R\RXNQRZ
DERXWWKHFHUYLFDOFDQFHUYDFFLQH"'R
\RXNQRZWKDW\RXGRQ¶WKDYHWROLYH
ZLWK XULQDU\ OHDNLQJ SUREOHP" ,I \RX
DQVZHU³QR´RU³,GRQ¶WNQRZ´WRWKHVH
TXHVWLRQV \RX PD\ QRW EH JHWWLQJ DOO
\RXFDQIURP\RXZHOOZRPDQH[DP
:KLOH PDQ\ SHRSOH PD\ WKLQN WKDW
WKHLUDQQXDOZHOOZRPDQYLVLWZLWKWKHLU
J\QHFRORJLVWPHDQVRQO\JHWWLQJDSDS
WHVWLWDFWXDOO\LVDYLVLWWRIRFXVRQDOO
RIWKHLUIHPDOHKHDOWKLVVXHV7RJHWWKH
PRVWRXWRIWKLVYLVLWEHVXUHWRZULWH
GRZQ \RXU FRQFHUQV DQG WDON WR \RXU
GRFWRU DERXW WKHP $V D SUDFWLFLQJ
2%*<1,XVHWKHVHYLVLWVQRWRQO\WR
H[DPLQHDQGWUHDWP\SDWLHQWVEXWDOVR
WR FRQGXFW KHDOWK HGXFDWLRQ 7KHVH
VHVVLRQVFDQEHFUXFLDOIRUPDLQWDLQLQJ
\RXU KHDOWK DQG ZHOOEHLQJ DQG
SUHYHQWLQJ PDQ\ GLVHDVHV WKDW DIIHFW
ZRPHQ+HUHDUHVRPHLVVXHV,IRFXV
RQZLWKHDFKZHOOZRPDQH[DP
%UHDVW KHDOWK 6LQFH EUHDVW FDQFHU
LV WKH QXPEHU RQH FDXVH RI FDQFHU LQ
ZRPHQ DQG HDUO\ GHWHFWLRQ PD\ OHDG
WR FRPSOHWH FXUH \RX QRW RQO\ QHHG
WRKDYHD\HDUO\EUHDVWH[DPE\\RXU
GRFWRU EXW DOVR PRQWKO\ EUHDVW VHOI
H[DPV<RXPD\VD\\RXGRQ¶WNQRZ
ZKDW WR IHHO IRU VLQFH \RXU EUHDVWV
DOZD\V IHHO OXPS\ %\ GRLQJ \RXU
PRQWKO\EUHDVWVHOIH[DP\RXJHWWR
NQRZ \RXU EUHDVWV ZHOO <RX NQRZ
ZKLFKDUHDVDUHOXPS\DQGZKLFKDUH
VPRRWK:KHQ\RXQRWLFHVRPHWKLQJ
GLIIHUHQW \RX QHHG WR FRPH WR \RXU
GRFWRU,I\RXUQLSSOHVDUHQRUPDOO\RXW
DQG QRZ EHFRPH UHWUDFWHG \RX QHHG
WREULQJWKLVWR\RXUGRFWRU¶VDWWHQWLRQ
VLQFH LW FDQ EH D VLJQ RI XQGHUO\LQJ
EUHDVWFDQFHU7KHEHVWWLPHWRGR\RXU
EUHDVWH[DPLVDIWHU\RXUSHULRGVLQFH
\RXUEUHDVWVDUHOHVVWHQGHUDQGVZROOHQ
DWWKLVWLPH,I\RXDUHQRORQJHUKDYLQJ
SHULRGVWU\WRGRWKHH[DPWKHVDPHGD\
HDFK PRQWK ,I WKHUH ZHUH D FRQFHUQ
ZLWK\RXUEUHDVWH[DP\RXZRXOGJHW
D PDPPRJUDP DQG DQ XOWUDVRXQG
2WKHUZLVH\RXQHHGWRKDYHDURXWLQH
PDPPRJUDPHYHU\\HDUVIURPDJH
DQG\HDUO\DIWHUDJH(DUO\
GHWHFWLRQ LV NH\ LQ SUHYHQWLQJ EUHDVW
FDQFHU GHDWK DQG \RX FDQ EH YLJLODQW
E\NQRZLQJ\RXUEUHDVWVZHOO
&HUYLFDOFDQFHUSUHYHQWLRQ3DSWHVW
FKHFNVIRUDEQRUPDOFHOOVLQWKHFHUYL[
WKDWFRXOGOHDGWRFHUYLFDOFDQFHU<RX
VKRXOG JHW D SDS WHVW ZLWKLQ \HDUV
DIWHUEHLQJVH[XDOO\DFWLYHDQG\HDUO\
WKHUHDIWHU$IWHUDJH\RXFDQKDYH
D+39WHVWZLWK\RXUSDSWHVW,IWKH\
ERWK FRPH EDFN QRUPDO \RX RQO\
QHHG D SDS +39 WHVW HYHU\ WKUHH
\HDUV+RZHYHUDSDSWHVWLVRQO\D
VPDOO SRUWLRQ RI \RXU SHOYLF H[DP
:KLOHGRLQJDSHOYLFH[DP,DPDOVR
FKHFNLQJ IRU DEQRUPDOLWLHV RI \RXU
XWHUXVDQGRYDULHVWRGHWHFWWXPRUVDQG
F\VWV(YHQLI\RXGRQ¶WQHHGDSDS
WHVW \RX VWLOO QHHG \HDUO\ EUHDVW DQG
SHOYLFH[DPV
:KDWLV+39"+XPDQ3DSLOORPD9LUXV
+39 LV D FRPPRQ LQIHFWLRQ WKDW LV
VSUHDGWKURXJKVH[XDOFRQWDFW(LJKW\
SHUFHQWRIVH[XDOO\DFWLYHZRPHQZLOO
JHW JHQLWDO +39 DW VRPH WLPH GXULQJ
WKHLU OLYHV 7KHUH DUH RYHU W\SHV
RI +39 DQG PRVW GRQ¶W FDXVH DQ\
SUREOHPV+RZHYHUVRPH+39W\SHV
FDQ FDXVH JHQLWDO ZDUWV 2WKHU W\SHV
DUH KLJKULVN DQG FDXVH FDQFHU RI WKH
FHUYL[7KHUHDUHQRPHGLFLQHVWRFXUH
+39 KRZHYHU \RXU LPPXQH V\VWHP
FDQFOHDUWKHYLUXV
)RU \RXQJ ZRPHQ \RX FDQ GHFUHDVH
\RXU ULVN RI LQIHFWLRQ E\ OLPLWLQJ WKH
QXPEHU RI VH[XDO SDUWQHUV XVLQJ
FRQGRPV DQG JHWWLQJ
'U +HOHQ /XRQJ LV D ERDUGFHUWL¿HG REVWHWULFLDQ DQG J\QHFRORJLVW SUDFWLFLQJ LQ WKH$QDKHLP
DUHD IRU RYHU WHQ \HDUV 'U /XRQJ UHFHLYHG KHU EDFKHORU GHJUHH LQ ELRORJ\ IURP 2FFLGHQWDO
&ROOHJH DQG KHU PHGLFDO GHJUHH IURP 8QLYHUVLW\ RI 6RXWKHUQ &DOLIRUQLD 6FKRRO RI 0HGLFLQH
6KH FRPSOHWHG KHU UHVLGHQF\ WUDLQLQJ DW +DUERU8&/$ 0HGLFDO &HQWHU 6KH LV D PHPEHU RI
WKH$PHULFDQ &ROOHJH RI 2EVWHWULFV *\QHFRORJ\ DQG$PHULFDQ$VVRFLDWLRQ RI *\QHFRORJLF
/DSDURVFRSLVWVDVZHOODVWKH2UDQJH&RXQW\2EVWHWULFDO*\QHFRORJLFDO6RFLHW\'U/XRQJ¶V
H[SHUWLVHVSDQVWKHIXOOVSHFWUXPRIZRPHQ¶VFDUH)URPDGROHVFHQWJ\QHFRORJ\WRFXWWLQJHGJH
PLQLPDOO\LQYDVLYHVXUJHULHVVKHLVFRPPLWWHGWRVWD\LQJLQWKHIRUHIURQWRIPHGLFDOWHFKQRORJ\
ZKLOH SURYLGLQJ LQGLYLGXDOL]HG FDUH ZLWK D ZDUP SHUVRQDO WRXFK 6KH ORYHV EHLQJ DQ 2E*\Q
DQG DSSUHFLDWHV EHLQJ DEOH WR FDUH IRU ZRPHQ WKURXJKRXW GLIIHUHQW SKDVHV RI WKHLU OLYHV 'U
/XRQJLVDUHVLGHQWRI3HUDOWD+LOOV)RUPRUHLQIRUPDWLRQSOHDVHJRWRZZZKHOHQOXRQJPGFRP
RUFDOO
3DJH
FRQWLQXHGRQ3DJH
+HOHQ/XRQJ0'

Similar documents