NOVEMBER 2013
THE BERNARDS-RIDGE CONNECTION
PAGE 11
8
QLTXH WUHDWPHQW SURJUDP KHOSV UHVWRUH IXQFWLRQ DQG UHGXFH EXUQLQJ WLQJOLQJ DQG QXPEQHVV WR OLPEV
,
I \RX DUH VXIIHULQJ IURP WKH WLQJOLQJ LWFKLQJ QXPEQHVV RU EXUQLQJ DVVRFLDWHG ZLWK 3HULSKHUDO 1HXURSDWK\ RU PD\EH \RX FDQ·W HYHQ
IHHO \RXU KDQGV RU IHHW WKH GRFWRUV DQG VWDII RI 3HUIRUPDQFH 5HKDELOLWDWLRQ ,QWHJUDWHG 0HGLFLQH LQYLWH \RX WR FDOO WKHLU RIÀFH DQG
VFKHGXOH D FRQVXOWDWLRQ 0LOOLRQV RI $PHULFDQV VXIIHU IURP 1HXURSDWK\ D FRQGLWLRQ WKDW FRPPRQO\ UHVXOWV LQ SDLQ WLQJOLQJ QXPE
QHVV DQG RWKHU SDLQIXO V\PSWRPV LQ WKH KDQGV DQG IHHW 7KLV SDLQ FKDQJHV \RXU OLIH DQG DIIHFWV KRZ \RX ZRUN KRZ \RX SOD\ DQG KRZ
\
RX OLYH 'UV 6SLDJJLD 0HMLD DQG WKHLU VWDII DUH KHUH WR WHOO \RX WKHUH LV KRSH IRU WKRVH VXIIHULQJ ZLWK 3HULSKHUDO 1HXURSDWK\ $W
3
HUIRUPDQFH 5HKDELOLWDWLRQ ,QWHJUDWHG 0HGLFLQH ZH RIIHU DGYDQFHG WUHDWPHQW SURJUDPV WR KHOS \RX JHW \RXU OLIH EDFN WR ZKHUH
\
RX ZHUH EHIRUH WKH SDLQ EHJDQ <RX GHVHUYH WR OLYH SDLQ IUHH
,
W LV HVWLPDWHG WKDW LQ $PHULFDQV VXIIHU IURP VRPH IRUP RI 1HXURSDWK\ 7KH IROORZLQJ FKDUW FRPSDUHV WKH IUHTXHQF\ RI 1HXURSDWK\ ZLWK RWKHU PHGLFDO FRQGLWLRQV
68&&(66)8/ 75(
$70(176
:
+(5( 27+(56 +$9( )$,/('
0
DQ\ SDWLHQWV ZKR FRPH WR 3HU
IRUPDQFH 5HKDELOLWDWLRQ ,QWH
JUDWHG 0HGLFLQH KDYH WULHG DQ\
DQG DOO WUHDWPHQWV DYDLODEOH 6RPH
KDYH IRXQG WHPSRUDU\ UHOLHI ZLWK
PHGLFDWLRQV RU RWKHU VKRUW WHUP
VROXWLRQV ZKLOH RWKHUV KDYH IRXQG
QR UHOLHI DW DOO 'LDEHWLF 3HULSKHUDO
1
HXURSDWK\ LV RQH FRPPRQ IRUP
RI 1HXURSDWK\ 2YHU WLPH XQFRQ
WUROOHG VXJDU OHYHOV FDQ GDPDJH
\
RXU QHUYHV 7KLV QHUYH GDPDJH
FDXVHV GLIIHUHQW V\PSWRPV DQG WKH
SUREOHPV ÀUVW DSSHDU LQ WKH WRHV IHHW DQG KDQGV 7KH FXVWRP
WUHDWPHQW SURJUDP DYDLODEOH IURP 3HUIRUPDQFH 5HKDELOLWDWLRQ
,
QWHJUDWHG 0HGLFLQH KDV GHOLYHUHG VXFFHVV LQ D ODUJH QXP
'
LVFODLPHU 'XH WR )HGHUDO /DZ VRPH H[FOXVLRQV PD\ DSSO\ 9DOXH RI IUHH VWHS RQH FRQVXOWDWLRQ LV
:
+$7 0$.(6 3(5)250$1&( 5(+$%·6 $3352$&+ 62 ',))(5(17"
7
KH PHGLFDO SURYLGHUV RI 3HUIRUPDQFH 5HKDELOLWDWLRQ ,QWHJUDWHG 0HGLFLQH KDYH PDGH LW WKHLU PLVVLRQ
WR WUHDW SDWLHQWV ZLWKRXW VXUJHU\ RU GUXJV $IWHU \HDUV RI VWXG\ WUDLQLQJ DQG WULDOV WKH\ KDYH FKRVHQ RQO\
WKH PRVW HIIHFWLYH QRQ VXUJLFDO RSWLRQV DQG KDYH EURXJKW WKHP WRJHWKHU DOO XQGHU RQH URRI
‡ 6SHFLDOLVWV LQ 3DLQ 0DQDJHPHQW
³
$PHGLFDO VSHFLDOW\ DOVR NQRZQ DV 3K\VLFDO 0HGLFLQH DQG 5HKDELOL
WDWLRQ 30 5 7KLV PHWKRGRORJ\ JLYHV SDUWLFXODU IRFXV WR QRQ VXUJLFDO VSLQDO WUHDWPHQW VSRUWV LQMXULHV
DQG 3HULSKHUDO 1HXURSDWK\
‡ &ROG /DVHU
³
$ FRPIRUWDEOH QRQ LQYDVLYH SURFHGXUH ZKLFK LV VXFFHVVIXO LQ WUHDWLQJ FKURQLF FRQGLWLRQV
ZLWKRXW SDLQ RU GLVFRPIRUW WR SDWLHQWV
‡ 3K\VLFDO 7KHUDS\
³
$ WUDGLWLRQDO WUHDWPHQW PHWKRGRORJ\ DLPHG DW WKH WUHDWPHQW DQG FXULQJ RI FHUWDLQ
DLOPHQWV FRPPRQ WR SDWLHQWV VXIIHULQJ ZLWK FKURQLF RU VHYHUH SDLQ ,WV SULPDU\ DLP LV WR EULQJ EDFN WKH
SDWLHQW WR KLV KHU QRUPDO VHOI IUHH RI DQ\ SDLQ RU VXIIHULQJ
‡ 0LFUR9DV
³
$ QRQ LQYDVLYH SDLQ IUHH WUHDWPHQW WKDW HOHYDWHV EORRG ÁRZ DQG WLVVXH R[\JHQDWLRQ WR WKH
SUREOHP DUHD 7KLV WUHDWPHQW KDV SURYHQ HIIHFWLYH IRU QRW RQO\ 1HXURSDWK\ EXW DOVR FKURQLF ORZ EDFN
SDLQ FDUSDO WXQQHO V\QGURPH VSRUWV LQMXULHV SUHVVXUH XOFHUV LVFKHPLF UHVW SDLQ DQG ZRXQGV WKDW DUH
RWKHUZLVH VORZ WR KHDO
&
$// 72'$< 72 6&+('8/( <285
)5(( 67(3 21( &2168/7
$7,21
1(8523
$7+< 3$7,(176 ),1' 1(: +23(
:,7
+ /$7(67 )'$ &/($5(' 75($70(17
EHU RI WKHLU SDWLHQWV ZKHUH RWKHU WUHDWPHQWV RU IDFLOLWLHV
KDYH IDLOHG ,I \RX DUH RQH RI WKRVH VXIIHULQJ LQ SDLQ DQG
KDYH WULHG RWKHU PHGLFDO RSWLRQV RQO\ WR KDYH WKHP IDLO
GRQ·W JLYH XS KRSH <RX GHVHUYH WR OLYH ZLWKRXW WKH H[
FUXFLDWLQJ SDLQ RU GLVFRPIRUW RI 1HXURSDWK\
:
+$7 72 (;3(&7 '85,1*
<285 )5(( &2168/7$7,21
3
DWLHQWV DUH JUHHWHG ZLWK D VPLOH E\ D GHGLFDWHG DQG ORY
LQJ VWDII WKDW XQGHUVWDQGV ZKDW LQGLYLGXDOV LQ SDLQ DUH
H[SHULHQFLQJ (DFK KDV D GHHS FRPPLWPHQW WR \RXU
KHDOWK DQG WR \RX DV D SHUVRQ 'XULQJ \RXU YLVLW \RX ZLOO
UHFHLYH SHUVRQDOL]HG DWWHQWLRQ IURP D VHDVRQHG VWDII RI
PHGLFDO GRFWRUV SK\VLFDO WKHUDSLVWV DQG DFXSXQFWXULVWV
$Q DQDO\VLV RI \RXU FRQGLWLRQ E\ WKH PHGLFDO WHDP LQ
FRQMXQFWLRQ ZLWK D GHWDLOHG WUHDWPHQW SODQ ZLOO EH GH
VFULEHG LQ DV PXFK GHWDLO DV SRVVLEOH 7KHUH LV QR SUHV
VXUH WR DFFHSW WUHDWPHQW DV WKH VWDII DW 3HUIRUPDQFH 5H
',
$%(7(6
(3,/(36
<
$/=+(,0(5·6 ',6($6(
PLOOLRQ
PLOOLRQ
PLOOLRQ
PLOOLRQ
PLOOLRQ
PLOOLRQ
5
+(80$72,' $57+5,7,6
3
$5.,1621·6 ',6($6(
08/7,3/( 6&/(526,6
1(8523
$7+<
&20021 6
<037206
2) 1(8523
$7+<
KDELOLWDWLRQ ,QWHJUDWHG 0HGLFLQH VWULYHV WR FUHDWH D
UHOD[HG HQYLURQPHQW E\ HGXFDWLQJ SDWLHQWV DERXW WKHLU
RSWLRQV 7KH XOWLPDWH GHFLVLRQ PDNHU LV WKH SDWLHQW
)5(( 67(3 21( &2168/7
$7,21
´:H DUH VR FRQÀGHQW WKDW \RX ZLOO ÀQG KHDOLQJ DQG UHOLHI
DW RXU RIÀFH WKDW ZH DUH RIIHULQJ \RX D )5(( VWHS RQH
HYDOXDWLRQ DQG FRQVXOWDWLRQ :H ZLOO SHUVRQDOO\ UHYLHZ D
IXOO KHDOWK DQDO\VLV TXHVWLRQQDLUH HYDOXDWH \RXU FRQGL
WLRQ DQG GHWHUPLQH KRZ ZH FDQ KHOS \RX 7KHUH DUH QR
VWULQJV DWWDFKHG DQG \RX KDYH QR REOLJDWLRQ 'RQ·W OLYH
ZLWK SDLQ IHDU DQG GRXEW DQ\ ORQJHU 3LFN XS WKH SKRQH
DQG WDNH FRQWURO RI \RXU OLIH ULJKW QRZ <RX KDYH QRWK
LQJ WR ORVH EXW \RXU SDLQ 7LPH VORWV ÀOO TXLFNO\ VR FDOO
WRGD\ WR VHFXUH \RXU )5(( VWHS RQH FRQVXOWDWLRQ µ
³ 5
RQ 6SLDJJLD '& &OLQLF 'LUHFWRU
³ -
RVHSK 0HMLD '2 )$ $ 30 5 0HGLFDO 'LUHFWRU
:
DWFKXQJ $YHQXH :DWFKXQJ 1-
ZZZ SHUIRUPDQFHUHKDEQM FRP
&
RS\ULJKW ‹ 0D[ &RQQHFW
:
KDW GR SDWLHQWV VD\"
³,
KDG SHULSKHUDO QHXURSDWK\ IRU
\
HDUV DQG VXIIHUHG IURP QXPEQHVV LQ
ERWK IHHW DQG ORZHU OHJV , WULHG VHY
HUDO W\SHV RI PHGLFDWLRQV ZKLFK GLGQ¶W
ZRUN $IWHU WUHDWPHQW RQ WKH 0LFUR9DV
WKH IHHOLQJ LQ P\ IHHW KDV UHWXUQHG WR
QRUPDO DQG , FDQ QRZ IHHO WKH WHP
SHUDWXUH RI WKH ZDWHU RQ P\ IHHW ZKHQ ,
H[HUFLVH LQ WKH SRRO ´
± 2OLYHU %XFNKROGHU
%
HUQDUGVYLOOH 1-
‡ 3LQV DQG QHHGOHV IHHOLQJ
‡ 1XPEQHVV LQ WKH KDQGV RU IHHW
‡ 7LQJOLQJ RU EXUQLQJ VHQVDWLRQV
‡ :HDNQHVV LQ WKH DUPV RU OHJV
‡ 6KDUS VKRRWLQJ RU EXUQLQJ SDLQV
0
RVW LQVXUDQFHV DFFHSWHG LQFOXGLQJ 0HGLFDUH
www.theconnectionsnj.com