News from Cooperative Federal, Syracuse s community development credit union. In this issue... (Click to jump to a story)

Tamaño: px
Comenzar la demostración a partir de la página:

Download "News from Cooperative Federal, Syracuse s community development credit union. In this issue... (Click to jump to a story)"

Transcripción

1 Commonwealth Fall 2013 #102 News from Cooperative Federal, Syracuse s community development credit union. In this issue... (Click to jump to a story) Homeownership A True Member Story New Food Coop Open Hand s Festival COOPERATIVE Be A Hero! FEDERAL 5 Things You Can Do to Get Ready for Homeownership Life in Syracuse brings a lot of perks. We live in a place that looks like a city, but feels a lot like a small town. We re surrounded by breathtaking lakes, gorges and mountains, with some of the cleanest drinking water on the planet. Local agriculture yields a bounty of tasty and wholesome ingredients, both to our own kitchens and a growing list of fantastic, independent restaurants. We have a rich legacy of social activism, and our urban center is home to prestigious cultural, educational, and medical facilities. This list goes on and on, but there s one more perk that cannot be overlooked: Syracuse is one of THE most affordable places to own a home in the United States. Homeownership is a powerful tool for strengthening neighborhoods, and Building a Family A True Member Story Continued on Page 2 Loans from our credit union have helped many people establish a home or a business, but this may be the first time we re helping someone start a family! Kishi and Bradford Ducre took a personal loan to pay for some of the placement fees associated with the adoption of their first child. Kishi holds her doctorate in environmental justice and moved to Syracuse eight years ago to accept a faculty position at the University. She and her husband found a new home on a quiet street in the University neighborhood, and it wasn t long before she became a member of Cooperative Federal. Continued on Page 7 SINCE OUR FOUNDING DAYS, HAS RELIED ON THE SKILLS AND STEWARDSHIP OF VOLUNTEERS OUR MEMBERS HAVE SERVED AS TELLERS, LOAN REVIEWERS, PAINTERS, GARDENERS, ROOFERS, AND WRITERS Prepárese para ser THEY HAVE FIXED LEAKS, VOTED ON POLICY, propietario AND STUFFED THOUSANDS UPON THOUSANDS OF ENVELOPES Sabía usted que Syracuse WE HAVE COME A LONG es WAY uno OVER THE de PAST 3 DECADES, BUT BEHIND THE SCENES, WE ARE STILL A los sitios más económicos de los EEUU GRASSROOTS CO-OP: en términos de comprar una casa? No OWNED, obstante, CONTROLLED, aunque AND STEERED los precios sean bajos, el camino a BY comprar OUR MEMBER-OWNERS una casa puede ser largo. Y tan pronto como obtenga su casa, va a requerir una vigilancia constante para asegurarse que no la pierda destruyendo su crédito y perdiendo el valor de la propiedad en este proceso. Si usted está considerando hacerse propietario, le ofrecemos 5 cosas que puede hacer ahora para prepararse. 1. Ahorrar, ahorrar, ahorrar. Nunca es demasiado pronto para comenzara ahorrar para su casa. Necesita ahorrar no sólo para el depósito, sino también para emergencias y reparaciones de la casa. Qué hará si alguien en su familia se enferma de repente, o pierde su trabajo? O si se rompe el horno durante la primera tormenta de nieve del año? Necesita tener suficientes ahorros para seguir haciendo sus pagos de hipoteca e impuestos cuando las cosas están mal temporariamente y estar al tanto de los costos inevitables de reparación y mantenimiento de casa. 2. Conocimiento de su reporte de crédito. Si usted tiene cobranzas sin pagar, pagos atrasados, juicios abiertos, o ha agotado la línea de su tarjeta de crédito, puede ser muy difícil calificar para una hipoteca con una tasa baja de interés. Es esencial saber que los acreedores, del pasado y del presente, han reportado al buró de crédito, para que Usted pueda enmendar los errores, y formar un plan de acción para reparar su crédito. 3. Aumentar su capacidad crediticia. Tan pronto como Continua en la Pagina 3 Eastside Office Mailing Address Fall Westcott Street, Syracuse, NY Cooperative Federal Finance for the People since 1982 Tel: (315) Southwest Office Southwest Community Center Northside Office Assisi Center 401 South Avenue, Page Syracuse, 1 NY North Salina Street, Commonwealth Syracuse, NY #102

2 Homeownership, Continued building wealth that can be passed down to future generations helping to break the cycle of poverty and ensure that our children have a real shot at success. Yet, even with low real estate prices, the road to buying a home can be long and sometimes steep. And once you own a home, it takes constant vigilance to make sure you don t lose it tanking your credit and loosing your equity in the process. If you re considering homeownership, here are five things you can do NOW to start preparing. 1. Save, save, save. It s never too early to start saving for your home. You need savings not only for a downpayment, but for emergencies and home repairs. What will you do if someone in your household suddenly becomes ill, or gets laid off from work? Or if your furnace breaks during the first snowstorm of the year? What happens if both of those things happen at the same time? The first rule for successful homeownership is to expect the unexpected. You need to have enough savings to keep on paying your mortgage and taxes when things temporarily go awry and to keep up with the inevitable home maintenance and repair costs. ] Start Here: With Cooperative Federal s Homebuyer Matched Savings Program, you can earn up to $9,500 in down payment matching grants when you save $2,000! Along the way, our counselors will work with you to create a budget and savings Homebuyer Matched Savings Workshops First-time homebuyers can quadruple their savings toward home purchase through our Matched Savings Program. The combined fundscan be used for downpayment, closing, or pre-closingcosts! Attend an Enrollment Workshop to learn more. Call Kira Crawford at (315) for more information or to register. Syracuse is one of THE most affordable places to own a home in the United States.... Yet, even with low real estate prices, the road to buying a home can be long and steep. plan. Call (315) to register for a free Homebuyer Matched Savings Orientation Workshop. 2. Know what s on your credit report. You know that saying, what you don t know can t hurt you? Well, when it comes to your credit history, that is most definitely not true! If you have unpaid collections, late payments, open judgements, or maxed-out credit cards, it can be very difficult for you to qualify for a mortgage and get a nice, low interest rate. It s essential that you know what your current and past debtors have reported to the credit bureaus so that you can address blemishes, dispute errors, and make an action plan for getting your credit into good shape. ] Start Here: By federal law, you re entitled to a free copy of your credit report each year, from each of the 3 major credit bureaus TransUnion, Equifax, and Experian. You can access these free reports at annualcreditreport.com. Or, if you d like hands-on help retrieving and deciphering your credit report, you can make an appointment with a Financial Counselor at Cooperative Federal. A $15 fee gets you a 30 minute consultation, and a copy of your credit report including your credit score (which is not included in the free reports from annualcreditreport.com). Call (315) for info or to make an appointment. 3. Boost your credit score. Once you understand what s on your credit report, you can take steps to improve your credit score! First, clear up delinquent debts or collections either by paying them off, requesting a payment plan, or disputing them (if you don t recognize the debt, or think you already paid it) and be sure to pay all of your bills on time, every month. Next, compare your credit balances to your credit limits. If you have three credit cards with a combined credit limit of $5,000, but you have a combined balance of $4,950, your credit score will take a real beating. Try to pay down your balances, request a higher credit limit, or even apply for a new card that you can keep at a $0 balance. (Make sure you can resist the temptation to use up any new credit you receive!) ] Start Here: The math behind your credit score is extremely complex, so make sure you understand how things work before you make major changes. Consult resources like myfico.com/crediteducation or, come to Cooperative Federal for expert advise that is tailored to your situation. We have several fantastic products that can help you deal with debt, such as free balance transfers to our low-rate credit card, debt consolidation loans, and a unique Credit Builder Club. Our Counselors can also help you make an action plan and track your progress over several months, or more! Call (315) to speak with a counselor, or (315) to speak with a loan officer. 4. Hit the books. Buying a home is a complicated process, and homeowners have many responsibilities. You need to arm yourself with Continued on Page 3 Commonwealth #102 Page 2 Fall 2013

3 knowledge to ensure that you get a good deal on a quality home you can truly afford, and to make sure you re prepared for the full scope of responsibilities that come with being a homeowner. Have a list of questions to ask sellers, realtors, insurance agents, and mortgage officers, and be sure that you know the pros and cons of different mortgage products. ] Start Here: There are many books and articles that you can use to educate yourself. You can also speak to a counselor at Cooperative Federal, or take a class with agencies such as Home HeadQuarters. Learn more about Home HeadQuarters homebuyer education classes at or call (315) x Plan ahead. There is a wealth of information and assistance available to homebuyers in Syracuse, from non-profits like Cooperative Federal, Home HeadQuarters, the Northeast Hawley Development Association (NEHDA), UNPA, Syracuse Model Continued on Page 8 Ojo, Continua Usted entienda lo que está en su reporte de crédito, puede tomar pasos para aumentar su puntaje de crédito. Lo más importante es establecer una buen historia de pago en todas sus deudas. Resolver los pagos atrasados puede pagarlos en su totalidad, o pidiendo un plan de repago, o tambíen puede cuestionarlos (si no reconoce la deuda, o si usted piensa que ya lo ha pagado) y asegurarse de pagar todos sus cuentas a tiempo cada mes. Luego, revise sus balances pendientes y compárelos con sus límites de crédito. Si tiene tres tarjetas de crédito con un límite de crédito total de $5,000, pero entre las tres debe un total de $4,950, eso va a dañar su puntaje de crédito. Intente pagar sus balances, solicite incremento de límite de crédito, o solicite una nueva tarjeta que puede mantener a un balance de $0. (Cuidado: Asegurarse de poder resistir la tentación de usar el nuevo crédito que recibe!) 4. Ser un buen estudiante. Comprar una casa es un proceso complejo, y los propietarios de casa tienen muchas responsabilidades. Usted necesita llenarse de conocimiento para asegurarse que obtenga un buen precio para una casa de calidad que usted pueda mantener, y que esté preparado para todas las responsabilidades de convertirse en propietario. Debe tener una lista de preguntas para hacer a los vendedores, agentes inmobilarios, agentes de seguro, y corredor hipotecario, y estar seguro de saber lo bueno y lo malo de los distintos productos hipotecarios. 5.Planificar. Hay una abundancia de información y ayuda que está disponible a los compradores de casa en Syracuse, pero independientemente de donde usted solicite ayuda, HAY QUE planificar! Si espera hasta que la casa de sus sueños aparezca a la venta en el mercado, puedes perder la oportunidad de asistencia financiera. Comprar una casa sin la educacíon y preparación adecuada puede resultar en más deuda de la que puede manejar, o puede pagar más de lo necesario. De todos modos, las consecuencias pueden ser serias: problemas con el flujo de caja, mayor deuda, e incluso la ejecución de la hipoteca. Listo para empezar? Cooperative Federal tiene muchos productos y servicios diseñado a ayudar a la gente a lograr su meta de comprar una casa. ] Homebuyer Matched Savings. Obtenga hasta $9,500 en subvenciones cuando ahorras $2,000 durante meses! Sobre la marcha, nuestros consejeros trabajaran con usted para crear un presupuesto y plan de ahorro, para que esté preparado a enfrentar los contratiempos antes y después de comprar su casa. (Aplican limites de ingreso.) Llama ae ] Construir el crédito. Nuestros consejeros pueden ayudarle a obtener y entender su reporte de crédito. Recibirá una copia de su reporte, incluyendo su puntaje de crédito. Podemos trabajar con Usted para crear un plan de acción y mejorar su puntaje. Además, tenemos productos fantásticos para ayudarle así a lidiar con su deuda, como transferencia de balance gratis a nuestra tarjeta de crédito con una tasa de interés baja, préstamos de consolidación de deuda, y nuestro exclusivo Club de Construir el Crédito. Llama a ] Asesoramiento para compradores de vivienda. Si tiene preguntas o necesita ayuda navegando en el proceso de comprar una vivienda, le podemos ayudar! Prepárese a comprar una casa con ayuda experta, a través de Home Base, nuestro programa de asesoramiento de comprar una vivienda (aprobado por HUD, el Departamento de Vivienda y Desarrollo Urbano de los EEUU). Llama a Continua en la Pagina 4 Fall 2013 Page 3 Commonwealth #102

4 Cooperative Thinking A Column by Carl Mellor Fostering a Cooperative Economy In the last issue, I talked about how the proposed National Cooperative Development Act would pave the way for a fairer, stronger economy. This time let s look at the resources that do exist for cooperative development and how the cooperative economy is growing in our region. The primary resource in existence today is a network of centers that provide technical assistance, training and education for groups starting or already operating cooperative enterprises. In the Pacific Northwest, the Northwest Cooperative Development Center plays that role. In the Midwest, Cooperative Development Services serves communities in Iowa, Wisconsin and Minnesota. And in the Northeast region, the Cooperative Development Institute (CDI), based in Sherburne Falls, MA, covers New England and New York State. CDI, like its counterparts across the United States, doesn t certify cooperatives or approve their plans. It exists to support organizations embracing collaboration, democratic governance, and other cooperative principles. The groups they serve come in many flavors food co-ops, housing and healthcare providers, retail operations and others. cleaning supplies, offers an alternative to convenience stores with high prices and limited selections. Beyond that, it s situated in a new eco-efficient building, a rarity in a South Side neighborhood where that kind of construction hasn t happened for almost 40 years. Source: https://www.facebook.com/eattolivefoodcoop There are other positive implications as well. In an area where unemployment is rampant, Eat to Live provides jobs. It validates the notion of community control by operating as a member-owned organization. Most importantly, it challenges the notion that economic empowerment for an urban neighborhood is improbable and unrealistic. To be sure, the new cooperative didn t arise overnight. There were conversations with neighborhood residents, organizations working together under the leadership of the Southside Community Coalition, and an extensive campaign to generate funding for Eat to Live. Indeed, the coop received funds from 3 foundations, New York State, and entities such as Syracuse University and National Grid. All in all, the organizing process has taken more than 5 years. That mix mirrors the overall composition of the cooperative movement in the USA. CDI participants include dairy farmers in New England, the folks who founded the Liberty Ship Café in Richmond, California, and the roughly 200 taxi drivers who belong to Union Cab in Madison, Wisconsin. Union Cab is the largest taxi operation in Madison. When new cooperatives spring up, they reflect local needs and local energy. This summer, for example, a worker-owned venture in Boston began an innovative recycling project based on reusing left-overs from restaurants. The group composts food scraps for farmers and collects discarded vegetable oil for biofuels. In our own city, the Eat to Live Food Cooperative is just about to open its doors to the public at 2323 S. Salina St. The brand-new store, which will sell fruits and vegetables, meats, dairy, and Don t miss the 2013 New York Cooperative Summit! Saturday, September 28, 9:00 AM-5:30 PM South Side Innovation Center 2610 South Salina Street, Syracuse, NY 1320 For more details, please visit Once it opens, Eat to Live is moving forward with an ambitious agenda including purchases from local farmers whenever possible, holding nutrition classes, and evaluating access issues. How can the store best serve people who have difficulty traveling to the South Salina St. site? This and other issues will be resolved by the co-op s staff and members who own the store. As in any cooperative, member participation is a critical resource. Find Eat to Live on Facebook to stay in the loop, and learn how you can become a memberowner. Ojo, Continua -Carl Mellor, Volunteer Columnist Un Nuevo Cooperativa de Comida Viene Pronto! Los negocios cooperativos son una herramienta importante para fortalecer las economías locales y crear un mundo que sea más justo para todos. En algunas cooperativas, como Cooperative Federal y cooperativas de comida, los socios son los propietarios; en otros, llamados cooperativas de empleos, los empleados son los propietarios. En cualquier caso, este modelo de negocio contradice el status quo, operando democráticamente y poniendo al pueblo primero. Continua en la Pagina 5 Commonwealth #102 Page 4 Fall 2013

5 Member Orginization Spotlight: Open Hand s Festival Welcomes You to the North Side When you think of puppets it s often on a small scale a mitten over one s hand with a jolly face and moving arms in the style of Mr. Roger s Neighborhood or Punch and Judy. But our friends at Open Hand Theater have completely exploded this idea from our childhood, using larger-than-life puppets to tell stories that celebrate the human experience. On September 14 from 11:00 AM-4:00 PM, the puppets from Open Hand s Castle at the corner of Prospect Avenue and North Salina Street will take to the streets for the International Arts & Puppet Festival, a free, family-friendly event filled with surprises. We re celebrating a sense of family, emphasizes Geoff Navias, Artistic Director at Open Hand. Truly, family is at the forefront of any Open Hand event, but the Festival will be on a much larger scale than we ve ever seen from the Theater before. Rooted in a variety of different cultures, attendees will enjoy an assortment of performances, music, art, and dance that will appeal to all generations. The idea of family will further extend to include camaraderie among businesses and organizations on the North Side. Geoff hopes that festivalgoers will treat the event like a North Side open house, taking the opportunity to venture out and explore the neighborhood. Several members of the Northside Business Partnership will offer specials to customers during the big day. Cooperative Federal may be relatively new to the North Side business family, but our ties run deep. Open Hand has been a member of our credit union for 25 years. It s been great to have the credit union join us over on the North Side by opening the local branch on North Salina Street, Geoff says. It s been a good partnership, investing locally and being able to gather and use our resources for building the community. The International Arts & Puppet Festival is another way Open Hand can bring people together and show families all of the great things happening on the North Side, including giant puppets walking about, he laughs. Unique performances are scheduled throughout the day of the Festival, and will include African drumming, South Indian dance, and a classical string quartet. There will be arts and crafts activities for kids and live painting performances. The International Arts & Puppet Festival is made possible, in part, by an Economic Development grant from the County of Onondaga, administered by CNY Arts. Stay tuned to Open Hand Theater s website (www.openhandtheater.org) for more details. We ll see you there! Ojo, Continua -Mary Beth Schwartzwalder Marketing Specialist Syracuse ya tiene varias cooperativas, pero hay una nueva que abrirá este otoño. Después de varios años de planificar, organizar, y recaudar fondos, un grupo de activistas del South Side están preparándose para abrir Eat to Live (Comer para Vivir). Su nuevo edificio en 2323 S Salina St. acaba de ser terminado, y pronto vendrán productos agrícolas frescos, comestibles, y otras cosas para la casa. La tienda será abierta al público, pero también puede convertirse en socio propietario! Encuéntrelos en Facebook (/EatToLiveFoodCoop) para estar informado. Open Hand performers at a past event Divertirse con la familia en la feria internacional de las artes y las marionetas Una de las organizaciones únicas en el membresía de Cooperative Federal es Open Hand Theater (Teatro de la Mano Abierta), un grupo de artistas que usa marionetas enormes para contar cuentos que celebran la experiencia humana. El 14 de Septiembre, desde las 11:00 AM hasta las 4:00 PM, las marionetas del Castillo de Open Hand (en la esquina de Prospect Avenue y North Salina Street) saldrán a la calle durante La Feria Internacional de las Artes y Las Marionetas, un evento gratis para la familia lleno de sorpresas. Actuaciones serán programadas a través del día, no sólo marionetas sino la danza del sur de India, una banda de Continua en la Pagina 6 Coming this October, don t miss Open Hand Theater s A World of Puppets performance season! Beginning October 5, children are invited to the Castle on N. Salina Street for two magical performances each month. Visit for more details. Fall 2013 Page 5 Commonwealth #102

6 AND WE STILL NEED OUR MEMBERS TO BE INVOLVED AND ENGAGED IN ORDER FOR OUR CREDIT UNION TO GROW AND THRIVE PAID INTERNSHIP Help staff our Youth Credit Union Program at Henninger, Fowler, and Nottingham Schools. SINCE OUR FOUNDING DAYS, COOPERATIVE FEDERAL HAS RELIED ON THE SKILLS AND STEWARDSHIP OF VOLUNTEERS OUR MEMBERS HAVE SERVED AS TELLERS, LOAN REVIEWERS, PAINTERS, GARDENERS, ROOFERS, AND WRITERS THEY HAVE FIXED LEAKS, VOTED ON POLICY, AND STUFFED THOUSANDS UPON THOUSANDS OF ENVELOPES WE HAVE COME A LONG WAY OVER THE PAST 3 DECADES, BUT BEHIND THE SCENES, WE ARE STILL A GRASSROOTS CO-OP: OWNED, CONTROLLED, AND STEERED BY OUR MEMBER-OWNERS TALK ABOUT US Tell your employer or local community center about the educational programs and services we offer. LEND A HAND Join our Building & Grounds Committee, volunteer in our fi nancial education and outreach department, or help us move forward with adoption of Green Business Standards. BE A LEADER Nominate yourself for the Board of Directors or Credit Committee, and learn what it takes to run Coop Fed. Elections are every March. SPEAK UP! Let us know what you love, what you hate, what you d like to see us do differently. We appreciate hearing from our members! INTERESTED IN BEING A HERO? Contact Rachel Greene: call or Ojo, Continua tambores africanos, y un cuarteto de cuerdas clásico. Habrán actividades de arte para los niños, representaciones de pintura en vivo, y ofertas especiales de los negocios locales. Unase a Cooperative Federal, Open Hand, el resto de la comunidad del Northside para un día increíble! Continua en la Pagina 7 Commonwealth #102 Page 6 Fall 2013

7 Ojo, Continua Sea un héroe del Credit Union Desde nuestros días de fundación, Cooperative Federal ha confiado en los talentos y la gestión de nuestros voluntarios. Nuestros socios han servido como cajeros, escritores, pintores, jardineros, techadores y evaluadores de préstamos. Ellos han arreglado goteras, votado en la elección de la política de nuestra organización, y empaquetado miles y miles de sobres. Hemos logrado mucho en las últimas tres décadas, pero todavía necesitamos que nuestros socios sigan involucrados para que nuestra organización sea exitosa. Aquí hay algunas maneras en las que Usted puede ayudar! Dile a tu empleador sobre los programas educativos y servicios que ofrecemos. Hágase socio de nuestro Building and Grounds Committee, o en nuestra oficina de educación financiera. Nomínese para nuestra Mesa de Directores o Comité de Crédito Denos su opinión! Diganos lo que le encanta, lo que odia, y lo que le gustaría cambiar. Llama a Raquelita a para participar. Construyendo una Familia: Historia verdadera de una de nuestras socias Los préstamos de nuestra cooperativa han ayudado a muchas personas a establecerse como propietarios de su propia casa o negocio, pero esta puede ser la primera vez que estamos ayudando a alguien a empezar una familia! Kishi y Bradford Ducre tomaron un préstamo personal para pagar algunos de los cargos de adopción de su primer niño. Kishi se mudó a Syracuse hace ocho años para aceptar un posición en la facultad de la Universidad de Syracuse. Ella y su esposo encontraron una casa en una calle tranquila en el vecindario de la Universidad, y poco tiempo despúes ella se hizo socia de Cooperative Federal. Su carrera progresó rápidamente, se ganó la permanencia; recientemente le ofrecieron la cátedra del departamento de Estudios Afro- Americano. Sobre la marcha, Kishi y Bradford vinieron a Cooperative Federal para ayudarles a mantener las finanzas en orden incluyendo una transferencia de balance a nuestro programa de tarjeta de crédito la primavera pasada. Con esta transacción ellos obtuviernon una tasa de interés más baja y al mismo tiempo apayaron las finanzas de la comunidad, Kishi ganó un Kindle Fire a través de nuestro concurso Gana, Gana, Continua en la Pagina 8 Building A Family, Continued Her career has progressed rapidly. She earned her tenure, and was recently named chair of the African-American Studies Department. Along the way, Kishi and Bradford turned to Cooperative Federal for help with keeping their finances in check including making a balance transfer to our credit card this past spring. In addition to getting a lower interest rate and the satisfaction of supporting community finance, Kishi won a Kindle Fire through our Win, Win, Win balance transfer contest. Getting a family started has not gone as smoothly. A devastating stillbirth in 2008 was followed by a period of infertility. Finally, Kishi and Bradford started pursuing other options. They probably know more about the options available than most people. They have an adopted niece, as well as a close friend who is adopted. The couple was told that, once they had completed their home study, it would take about 10 months to match them with an available baby. Less than two weeks later, over the Fourth of July long weekend, they got the call. Members Kishiand Bradford at their Westcott neighborhood home. Bradford s parents also fostered 25 children over the years. Given all the options for adoption and fostering, they felt the best choice for them was an open adoption of a newborn through a private agency. Kishi prefers this option because the mother chooses you and you know who the mother is. I think that s the best arrangement for our family. As their child grows up, they will send pictures to the birth mother through the agency. Later on, if both parties decide they would like more contact, it can be arranged through the agency. As Kishi describes it, You choose your level of openness. The credit union became an important part of the process in July when an infant suddenly became available. The couple was told that, once they had completed their home study, it would take about 10 months to match them with an available baby. Less than two weeks later, over the Fourth of July long weekend, they got the call. Kishi describes her call to Coop Fed on July 5 as desperate. Our lobbies were packed with members preparing for a long holiday weekend, and some staff were on vacation. In spite of the frantic circumstances, the credit union approved the loan in just a few days. But it just wasn t fast enough. Kishi recalls, I missed out on my first placement because I didn t have the money in place. Since then, the Ducres have been on a bit of a roller coaster. Far from waiting ten months, they have already had several calls for permission to show their profile to potential birth moms. Meanwhile, Kishi and Bradford are stocking up on diapers and formula and, with the help of Cooperative Federal, they are financially prepared for the call that will change their lives. -Barbara Kobritz, Outreach Volunteer Photos by Stasya Erickson, Board of Directors Fall 2013 Page 7 Commonwealth #102

8 Ojo, Continua Gana de transferencia de balance. Empezar una familia no ha sido fácil. El devastador nacimiento de un bebé muerto fue seguido por un periodo de infertilidad. Finalmente, Kishi y Bradford empezaron a perseguir otras opciones, y se decidieron por una adopción abierta con una agencia privada. Kishi prefiere esta opción porque la madre te escoge a ti, y tu sabes quién es la madre. Pienso que es el mejor acuerdo para nuestra familia. Mientras su niño crece, ellos pueden enviar fotos a la mamá biológica a través de la agencia. Como explica Kishi, Tu puedes escoger su nivel de apertura. El credit union se convirtio en una parte importante del proceso de adopción en Julio cuando un infante estuvo disponible inesperadamente. Les informaron a la pareja que tan pronto como completaron el estudio casero, sería cerca de 10 meses para emparejarlos con un niño disponible. Menos que dos semanas después, durante la festividad del 4 de Julio, ellos recibieron la llamada. Kishi describe su llamada a Cooperative Federal el 5 de julio como desesperada. Nuestros vestíbulos estaban llenos de gente preparándose para la fiesta del 4 de Julio, y algunos empleados estaban de vacaciones. A pesar de las circunstancias frenéticas, el credit unión aprobó el préstamo en solo pocos días. Pero eso no fue suficiente. Kishi recuerda Yo perdí el primer puesto porque no tenía el dinero en ese momento. Desde entonces, la vida para los Ducres ha sido un poco como subirse en una montaña rusa. En vez de esperar diez meses, ellos ya han recibido varios llamadas para pedirles autorización a compartir su perfil a madres biológicas potenciales. Mientras tanto, Kishi y Bradford están acumulando pañales y leche de fórmula y, con la ayuda de Coop Fed, están preparados financieramente para la llamada que cambiará sus vidas. -Traducido por Rachel Greene y Patricia Farfan-Cáceres Homeownership, Continued Neighborhood Corporation, Jubilee Homes and Empire Housing. But no matter where you seek help, one fact remains the same: you MUST plan ahead!! If you wait until that dreamy little bungalow down the block hits the market, you can miss out on a great deal of financial assistance. For example, Empire Housing provides grants to renovate and rehabilitate aged homes, but you need to apply for those grants before you close on your mortgage in order to qualify. (Check out Rushing into a mortgage without proper preparation and education can also lead you to take on more debt that you can handle, or to pay much more than you really need to. Either way, the consequences can be serious: tight cash flow, mounting debt, and even foreclosure. Owning your own home is a fantastic feeling, and we re so lucky to live in a place where even people of modest means can achieve that goal. But like all of the best things in life, homeownership takes hard work and dedication and you don t need to figure it out all on your own! When you re ready to get started, Cooperative Federal will be waiting. -Meagan Weatherby Program Sustainability & Outreach Coordinator SPECIAL HOURS Monday 10/14 CLOSED for Indigenous People s Day (Columbus Day) Monday 11/11 CLOSED for Veteran s Day Thursday 11/28 CLOSED for Thanksgiving Got Feedback? We want to hear from you. Send questions & comments to: Board of Directors: Staff - General: Staff - Member Service: Sign-up to receive the Commonwealth Newsletter in your ! Visit Signing up is safe! We never share our list with third parties. Federally insured by NCUA Syracuse Cooperative Federal Credit Union - Established 1982 Our mission is to rebuild the local economy in ways that foster justice, serve people and communities that are underserved by for-profit financial institutions, and responsibly manage our members aggregate assets. Commonwealth #102 Page 8 Fall 2013

Welcome to lesson 2 of the The Spanish Cat Home learning Spanish course.

Welcome to lesson 2 of the The Spanish Cat Home learning Spanish course. Welcome to lesson 2 of the The Spanish Cat Home learning Spanish course. Bienvenidos a la lección dos. The first part of this lesson consists in this audio lesson, and then we have some grammar for you

Más detalles

Keeping Your Home, Protecting Your Investment. Cómo retener su casa, Cómo proteger su inversión

Keeping Your Home, Protecting Your Investment. Cómo retener su casa, Cómo proteger su inversión Keeping Your Home, Protecting Your Investment Cómo retener su casa, Cómo proteger su inversión Learn The Steps You Can Take Today Aprenda los pasos que puede tomar hoy Don t risk losing your home or jeopardizing

Más detalles

Guide to Health Insurance Part II: How to access your benefits and services.

Guide to Health Insurance Part II: How to access your benefits and services. Guide to Health Insurance Part II: How to access your benefits and services. 1. I applied for health insurance, now what? Medi-Cal Applicants If you applied for Medi-Cal it will take up to 45 days to find

Más detalles

MajestaCare Healthy Baby Program

MajestaCare Healthy Baby Program MajestaCare Healthy Baby Program Helping you have a healthy baby Para que tenga un bebé saludable Your baby s provider After your baby becomes a member of MajestaCare health plan, you will get a letter

Más detalles

GUIDE FOR PARENT TEACHER CONFERENCES

GUIDE FOR PARENT TEACHER CONFERENCES GUIDE FOR PARENT TEACHER CONFERENCES A parent-teacher conference is a chance for you and your child s teacher to talk. You can talk about how your child is learning at home and at school. This list will

Más detalles

More child support paid + more passed

More child support paid + more passed Child Support and W-2 are working together to better serve Wisconsin families. More child support is paid when families understand the rules. Recent child support policy changes are giving more money back

Más detalles

Daly Elementary. Family Back to School Questionnaire

Daly Elementary. Family Back to School Questionnaire Daly Elementary Family Back to School Questionnaire Dear Parent(s)/Guardian(s), As I stated in the welcome letter you received before the beginning of the school year, I would be sending a questionnaire

Más detalles

Speak Up! In Spanish. Young s Language Consulting. Young's Language Consulting. Lesson 1 Meeting and Greeting People.

Speak Up! In Spanish. Young s Language Consulting. Young's Language Consulting. Lesson 1 Meeting and Greeting People. Buenos días Good morning Buenos días Good afternoon Buenas tardes Good evening Buenas tardes Good night Buenas noches Sir Señor Ma am/mrs. Señora Miss Señorita Buenas tardes Culture Note: When greeting

Más detalles

A Member of My Community

A Member of My Community Connection from School to Home Kindergarten Social Studies Unit 1 A Member of My Community Here is an easy activity to help your child learn about what it means to be a member of a community. Here is what

Más detalles

TEXAS STATE TEACHERS ASSOCIATION

TEXAS STATE TEACHERS ASSOCIATION TEXAS STATE TEACHERS ASSOCIATION You have more to offer your child than you think. Thanks to your hard work and sacrifice, your child is enrolled in a Texas public school a learning environment that can

Más detalles

Administración de ingresos. Voluntaria

Administración de ingresos. Voluntaria Administración de ingresos Voluntaria Qué es Administración de ingresos (Income Management)? La Administración de ingresos (Income Management) es una manera de ayudarle a administrar su dinero a fin de

Más detalles

Dear Parents and Patrons,

Dear Parents and Patrons, Dear Parents and Patrons, The purpose of this letter is to inform you that according to the 2013-14 state student assessment results NeSA reading, Gibbon Elementary School is considered a Title 1 School

Más detalles

July 2011. Graduations & Learning After High School. Español/Spanish

July 2011. Graduations & Learning After High School. Español/Spanish July 2011 Graduations & Learning After High School Español/Spanish Last month our schools graduated 1,734 students from high school. These are students who met all the graduation standards from the State

Más detalles

Dolores de cabeza Trabaje con su doctor para evitar las visitas a la Sala de Emergencia

Dolores de cabeza Trabaje con su doctor para evitar las visitas a la Sala de Emergencia Headaches, Working with your Doctor to Avoid the Emergency Room Dolores de cabeza Trabaje con su doctor para evitar las visitas a la Sala de Emergencia Conozca a su equipo de cuidados para los dolores

Más detalles

Instructor: Do you remember how to say the verb "to speak"? Instructor: How do you ask a friend Do you speak Spanish?

Instructor: Do you remember how to say the verb to speak? Instructor: How do you ask a friend Do you speak Spanish? Learning Spanish Like Crazy Spoken Spanish Lección Dos. Listen to the following conversation: Male: Hablas inglés? Female: Sí, hablo inglés porque practico todos los días. Male: Dónde? Female: Practico

Más detalles

Welcome to the Leaders Only Invitation!

Welcome to the Leaders Only Invitation! Welcome to the Leaders Only Invitation! Q & A A. Ultimate Cycler is here to stay! UC remains completely intact and is complementary to FreeToolBox. As a matter of fact, Ultimate Cycler is getting a facelift!

Más detalles

Grow healthy. Stay healthy. Grow healthy. Stay healthy. www.startsmartforyourbaby.com PREGNANCY JOURNEY BOOK DIARIO DEL EMBARAZO

Grow healthy. Stay healthy. Grow healthy. Stay healthy. www.startsmartforyourbaby.com PREGNANCY JOURNEY BOOK DIARIO DEL EMBARAZO www.startsmartforyourbaby.com PREGNANCY JOURNEY BOOK 2012 Start Smart for Your Baby. All rights reserved. TM 2012 Start Smart for Your Baby. All rights reserved. TM DIARIO DEL EMBARAZO www.startsmartforyourbaby.com

Más detalles

Art Studio. Did you know...?

Art Studio. Did you know...? Art Studio Did you know...? Did you know...? In our Art Studio, we encourage children to use the materials in any way they wish. We provide ideas that they may use to begin work but do not expect copies

Más detalles

Screener for Peer Supporters

Screener for Peer Supporters Screener for Peer Supporters Primary Recruiter: Secondary Recruiter: Potential Peer Supporter Name: Phone #1: Home/Cell Phone #2: Home/Cell Address: City: Zip: Contact 1: Date: / / Contact 2: Date: / /

Más detalles

Qué viva la Gráfica de Cien!

Qué viva la Gráfica de Cien! Qué viva la Gráfica de Cien! La gráfica de cien consiste en números del 1 al 100 ordenados en cuadrilones de diez números en hileras. El resultado es que los estudiantes que utilizan estás gráficas pueden

Más detalles

Learning Masters. Fluent: Animal Habitats

Learning Masters. Fluent: Animal Habitats Learning Masters Fluent: Animal Habitats What I Learned List the three most important things you learned in this theme. Tell why you listed each one. 1. 2. 3. 22 Animal Habitats Learning Masters How I

Más detalles

\RESOURCE\ELECTION.S\PROXY.CSP

\RESOURCE\ELECTION.S\PROXY.CSP The following is an explanation of the procedures for calling a special meeting of the shareholders. Enclosed are copies of documents, which you can use for your meeting. If you have any questions about

Más detalles

Lengua adicional al español IV

Lengua adicional al español IV Lengua adicional al español IV Topic 11 Life little lessons Introduction In this lesson you will study: Time clauses are independent clauses. These are the clauses that tell you the specific time when

Más detalles

Affordable Care Act Informative Sessions and Open Enrollment Event

Affordable Care Act Informative Sessions and Open Enrollment Event 2600 Cedar Ave., P.O. Box 2337, Laredo, TX 78044 Hector F. Gonzalez, M.D., M.P.H Tel. (956) 795-4901 Fax. (956) 726-2632 Director of Health News Release. Date: February 9, 2015 FOR IMMEDIATE RELEASE To:

Más detalles

Learning Masters. Fluent: States of Matter

Learning Masters. Fluent: States of Matter Learning Masters Fluent: States of Matter What I Learned List the three most important things you learned in this theme. Tell why you listed each one. 1. 2. 3. 22 States of Matter Learning Masters How

Más detalles

Tres componentes importantes del programa Título I El propósito del Título I es de asegurar que todos los estudiantes tengan la oportunidad de

Tres componentes importantes del programa Título I El propósito del Título I es de asegurar que todos los estudiantes tengan la oportunidad de Qué es Titulo I? El programa Título I para la Educación Primaria y Secundaria es el programa educacional más grande que recibe fondos federales El gobierno federal proporciona asistencia financiera a las

Más detalles

Shortcut to Informal Spanish Conversations Level 2 Lesson 1

Shortcut to Informal Spanish Conversations Level 2 Lesson 1 Shortcut to Informal Spanish Conversations Level 2 Lesson 1 These lessons extend on the ideas from Shortcut to Informal Spanish Conversations Level 1 http://www.informalspanish.com and Shortcut to Spanish

Más detalles

Learning Masters. Fluent: Wind, Water, and Sunlight

Learning Masters. Fluent: Wind, Water, and Sunlight Learning Masters Fluent: Wind, Water, and Sunlight What I Learned List the three most important things you learned in this theme. Tell why you listed each one. 1. 2. 3. 22 Wind, Water, and Sunlight Learning

Más detalles

Ethnography of a Classroom Sample Questions (May need to be adjusted for lower grades)

Ethnography of a Classroom Sample Questions (May need to be adjusted for lower grades) Claremont Graduate University, Teacher Education Program Ethnography of a Classroom Sample Questions Parent/Family Interview Be sure to schedule enough time for interview minimum 30 minutes. If possible,

Más detalles

Asistencia para alimentos de Iowa (Iowa Food Assistance Program) SCRIPT

Asistencia para alimentos de Iowa (Iowa Food Assistance Program) SCRIPT Asistencia para alimentos de Iowa (Iowa Food Assistance Program) http://video.extension.iastate.edu/2011/12/14/asistencia para alimentos de iowa/ Six minute video in Spanish explaining what Food Assistance

Más detalles

The 2012 Massachusetts Summer Reading Program

The 2012 Massachusetts Summer Reading Program The 2012 Massachusetts Summer Reading Program When you read, you score! This summer join the reading fun at your local library and be eligible to win some fantastic Boston Bruins prizes! Sign up online

Más detalles

IRS DATA RETRIEVAL NOTIFICATION DEPENDENT STUDENT ESTIMATOR

IRS DATA RETRIEVAL NOTIFICATION DEPENDENT STUDENT ESTIMATOR IRS DATA RETRIEVAL NOTIFICATION DEPENDENT STUDENT ESTIMATOR Subject: Important Updates Needed for Your FAFSA Dear [Applicant], When you completed your 2012-2013 Free Application for Federal Student Aid

Más detalles

Disfruten su verano! Hola estudiantes,

Disfruten su verano! Hola estudiantes, Hola estudiantes, We hope that your experience during Spanish 1 was enjoyable and that you are looking forward to improving your ability to communicate in Spanish. As we all know, it is very difficult

Más detalles

Nivel 2. Proba escrita / Prueba escrita Competencia Clave: Comunicación en Lingua Inglesa/Comunicación en Lengua Inglesa

Nivel 2. Proba escrita / Prueba escrita Competencia Clave: Comunicación en Lingua Inglesa/Comunicación en Lengua Inglesa CLI-N2-11 Nivel 2. Proba escrita / Prueba escrita Competencia Clave: Comunicación en Lingua Inglesa/Comunicación en Lengua Inglesa Primeiro apelido / Primer apellido Segundo apelido / Segundo apellido

Más detalles

It is call the clients paradise... MWP2 clients are as partners with the company.

It is call the clients paradise... MWP2 clients are as partners with the company. En español clic aqui Hello, my name is: Arturo Bravo and my email arcangelmi@hotmail.com and has been client of MWP2 since 28/03/2016 05:29 and I am contacting you to let you know the same opportunity

Más detalles

Citizenship. Citizenship means obeying the rules and working to make your community a better place.

Citizenship. Citizenship means obeying the rules and working to make your community a better place. Citizenship Citizenship means obeying the rules and working to make your community a better place. I show good citizenship when I help keep my school and community clean. I am a good citizen when I follow

Más detalles

GENERAL INFORMATION Project Description

GENERAL INFORMATION Project Description RESULTADOS! GENERAL INFORMATION Project Description The campaign "Adopt a car " had as its main objective to position Autoplaza, the main automotive selling point of Chile, as a new car sales location

Más detalles

Learning Masters. Early: Force and Motion

Learning Masters. Early: Force and Motion Learning Masters Early: Force and Motion WhatILearned What important things did you learn in this theme? I learned that I learned that I learned that 22 Force and Motion Learning Masters How I Learned

Más detalles

Escuela Olympic Program Titulo 1

Escuela Olympic Program Titulo 1 Escuela Olympic Program Titulo 1 Misión: Creemos que toda la comunidad de alumnos de Olympic van aprender Creemos que el habiente de posibilidad da lugar para la capacidad Nosotros esfuerzos nos ha logrado

Más detalles

EMPLOYER & EMPLOYEE RETIREMENT PLAN TAX CREDITS

EMPLOYER & EMPLOYEE RETIREMENT PLAN TAX CREDITS EMPLOYER & EMPLOYEE RETIREMENT PLAN TAX CREDITS For employers who set up and maintain retirement plans, the setup costs, annual administrative costs, and retirement-related employee education costs are

Más detalles

Instructor: She just said that she s Puerto Rican. Escucha y repite la palabra Puerto Rican -for a man-.

Instructor: She just said that she s Puerto Rican. Escucha y repite la palabra Puerto Rican -for a man-. Learning Spanish Like Crazy Spoken Spanish Lección once Instructor: Cómo se dice Good afternoon? René: Buenas tardes. Buenas tardes. Instructor: How do you ask a woman if she s Colombian. René: Eres Colombiana?

Más detalles

Improving Rates of Colorectal Cancer Screening Among Never Screened Individuals

Improving Rates of Colorectal Cancer Screening Among Never Screened Individuals Improving Rates of Colorectal Cancer Screening Among Never Screened Individuals Northwestern University, Feinberg School of Medicine Contents Patient Letter Included with Mailed FIT... 3 Automated Phone

Más detalles

REFUERZO EDUCATIVO de INGLÉS. Área/Materia: INGLÉS Curso: 2º ESO Grupo: Número: Curso lectivo: 2013-14 Fecha presentación RE: SEPTIEMBRE 2014

REFUERZO EDUCATIVO de INGLÉS. Área/Materia: INGLÉS Curso: 2º ESO Grupo: Número: Curso lectivo: 2013-14 Fecha presentación RE: SEPTIEMBRE 2014 E. S. O. COLEGIO NSTRA. SRA. DEL RECUERDO Jefatura de Estudios REFUERZO EDUCATIVO de INGLÉS Departamento: INGLÉS Alumno: Área/Materia: INGLÉS Curso: 2º ESO Grupo: Número: Profesor: Tutor/a: Curso lectivo:

Más detalles

El Abecedario Financiero

El Abecedario Financiero El Abecedario Financiero Unidad 4 National PASS Center 2013 Lección 5 Préstamos Vocabulario: préstamo riesgocrediticio interés obligadosolidario A lgunavezpidesdineroprestado? Dóndepuedespedirdinero prestado?

Más detalles

Welcome to the CU at School Savings Program!

Welcome to the CU at School Savings Program! Welcome to the CU at School Savings Program! Thank you for your interest in Yolo Federal Credit Union s CU at School savings program. This packet of information has everything you need to sign your child

Más detalles

Flashcards Series 3 El Aeropuerto

Flashcards Series 3 El Aeropuerto Flashcards Series 3 El Aeropuerto Flashcards are one of the quickest and easiest ways to test yourself on Spanish vocabulary, no matter where you are! Test yourself on just these flashcards at first. Then,

Más detalles

Person ID:
, Mailed:

Person ID: <MPI_ID> <Primary Applicant/AREP FMLNS> <Address Line 1> <Address Line 2> <City>, <State> <Zip> Mailed: <Current Date> Person ID: , Mailed: Your HUSKY Health Coverage is Scheduled to End on August 31st Dear

Más detalles

Nombre Clase Fecha. committee has asked a volunteer to check off the participants as they arrive.

Nombre Clase Fecha. committee has asked a volunteer to check off the participants as they arrive. SITUATION You are participating in an International Student Forum. The organizing committee has asked a volunteer to check off the participants as they arrive. TASK As the volunteer, greet the participants

Más detalles

Proud member of the We Mean Business. Text WeMeanBiz to this number: 98975 to learn more.

Proud member of the We Mean Business. Text WeMeanBiz to this number: 98975 to learn more. Proud member of the We Mean Business East new york Alliance. CHANGE IS COMING TO EAST NEW YORK, IT S HAPPENING NOW AND FAST, BE PREPARED. 1 Grow your biz 2 Learn to promote your biz 3 Know how to recruit

Más detalles

1 Hola! Soy Jaime y quiero contarles mi historia. Vivo con mi mamá y mi papá, Mila y Jimmy, y mis dos hermanos: Gabriel y Diego. Me gusta jugar béisbol y tenis, así como nadar. Hi! I m Jaime and I want

Más detalles

Summer Reading Program. June 1st - August 10th, 2015

Summer Reading Program. June 1st - August 10th, 2015 June 1st - August 10th, 2015 Dear Educator, Attached you will find three flyer templates. You can use any of these templates to share your Group Number (GN) with your group participants. 1. 2. 3. The first

Más detalles

Steps to Understand Your Child s Behavior. Customizing the Flyer

Steps to Understand Your Child s Behavior. Customizing the Flyer Steps to Understand Your Child s Behavior Customizing the Flyer Hello! Here is the PDF Form Template for use in advertising Steps to Understanding Your Child s Behavior (HDS Behavior Level 1B). Because

Más detalles

Northwestern University, Feinberg School of Medicine

Northwestern University, Feinberg School of Medicine Improving Rates of Repeat Colorectal Cancer Screening Appendix Northwestern University, Feinberg School of Medicine Contents Patient Letter Included with Mailed FIT... 3 Automated Phone Call... 4 Automated

Más detalles

Connection from School to Home Kindergarten Math Module 2 Topic A. Making 3 with Triangles and Chips

Connection from School to Home Kindergarten Math Module 2 Topic A. Making 3 with Triangles and Chips Connection from School to Home Kindergarten Math Module 2 Topic A Making 3 with Triangles and Chips Here is a simple activity to help your child learn about composing and decomposing the number 3 and analyzing

Más detalles

What is family health history?

What is family health history? Family Health History Project Pre-Survey What is family health history? Family health history is information about diseases that run in your family, as well as the eating habits, activities, and environments

Más detalles

EXPAND HORIZONS. When you gaze out at the horizon, what do you see? You see where one vista ends and another one begins. You think POSSIBILITIES

EXPAND HORIZONS. When you gaze out at the horizon, what do you see? You see where one vista ends and another one begins. You think POSSIBILITIES EXPANDING HORIZONS EXPAND HORIZONS IS WHAT PAUL CUFFEE SCHOOL DOES. When you gaze out at the horizon, what do you see? You see where one vista ends and another one begins. You think POSSIBILITIES Selected

Más detalles

ADAPTACIÓN DE REAL TIME WORKSHOP AL SISTEMA OPERATIVO LINUX

ADAPTACIÓN DE REAL TIME WORKSHOP AL SISTEMA OPERATIVO LINUX ADAPTACIÓN DE REAL TIME WORKSHOP AL SISTEMA OPERATIVO LINUX Autor: Tomás Murillo, Fernando. Director: Muñoz Frías, José Daniel. Coordinador: Contreras Bárcena, David Entidad Colaboradora: ICAI Universidad

Más detalles

Student Perception Survey

Student Perception Survey Student Perception Survey Grades 6-12 Survey Directions You will be completing a survey that will provide important information about your teacher. A survey is different from a test. On a survey, you are

Más detalles

El estilo indirecto inglés.

El estilo indirecto inglés. El estilo indirecto inglés. El "estilo indirecto" es una estructura que se emplea para repetir lo que alguien ha anteriormente dicho ("estilo directo"): John: "My name is John" (estilo directo) (Mi nombre

Más detalles

FAMILY INDEPENDENCE ADMINISTRATION Seth W. Diamond, Executive Deputy Commissioner

FAMILY INDEPENDENCE ADMINISTRATION Seth W. Diamond, Executive Deputy Commissioner FAMILY INDEPENDENCE ADMINISTRATION Seth W. Diamond, Executive Deputy Commissioner James K. Whelan, Deputy Commissioner Policy, Procedures, and Training Lisa C. Fitzpatrick, Assistant Deputy Commissioner

Más detalles

EL DINERO CUENTA. Personajes. Escenario. Esta obra de teatro tiene lugar en y alrededor de la. Acto 1

EL DINERO CUENTA. Personajes. Escenario. Esta obra de teatro tiene lugar en y alrededor de la. Acto 1 EL DINERO CUENTA Narrador 1 Ben Narrador 2 Personajes Sr. Dinero Sra. Dinero Escenario Esta obra de teatro tiene lugar en y alrededor de la casa del Sr. y la Sra. Dinero. Sr. Dinero Sra. Dinero Ben Melissa

Más detalles

Mi ciudad interesante

Mi ciudad interesante Mi ciudad interesante A WebQuest for 5th Grade Spanish Designed by Jacob Vuiller jvuiller@vt.edu Introducción Tarea Proceso Evaluación Conclusión Créditos Introducción Bienvenidos! Eres alcalde de una

Más detalles

PRUEBA DE INGLÉS SECUNDARIA

PRUEBA DE INGLÉS SECUNDARIA Dirección General de Ordenación Académica e Innovación Educativa PRUEBA DE INGLÉS SECUNDARIA EXPRESIÓN ORAL AUTOAPLICACIÓN EVALUACIÓN DIAGNÓSTICA SECUNDARIA 2007 Servicio de Evaluación y Calidad Educativa

Más detalles

THE SKYLIGHT ONE CARD. Bringing Convenience to Payday

THE SKYLIGHT ONE CARD. Bringing Convenience to Payday THE SKYLIGHT ONE CARD Bringing Convenience to Payday 4000 12 18 FREEDOM, SIMPLICITY, AND SECURITY IN A CARD You should be able to spend your money when you want, the way you want. Why wait in line to cash

Más detalles

CPOA Webinar Comunicación con Coaches

CPOA Webinar Comunicación con Coaches CPOA Webinar Comunicación con Coaches Primeros Contactos Hi! My name is Mr. Coach! I am the Head Tennis Coach here at Great University, in USA! I found your profile at CPOA, and I would like to take a

Más detalles

Asistencia para cuidado infantil

Asistencia para cuidado infantil SPANISH Asistencia para cuidado infantil El Gobierno Australiano ofrece una gama de pagos y servicios para ayudar a las familias con los costes de cuidado infantil incluyendo: Child Care Benefit para cuidado

Más detalles

Are you interested in helping to GOVERN the Authority, DEVELOP current and future programs, and APPROVE contracts?

Are you interested in helping to GOVERN the Authority, DEVELOP current and future programs, and APPROVE contracts? Albany Housing Authority RESIDENT COMMISSIONER ELECTION Are you interested in helping to GOVERN the Authority, DEVELOP current and future programs, and APPROVE contracts? RUN FOR RESIDENT COMMISSIONER

Más detalles

NOTICE REQUIRED BY DELAWARE LAW: TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE

NOTICE REQUIRED BY DELAWARE LAW: TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE DTA.ID00090 DTA.ID00091 DTA.ID00092 DTA.ID00093, DTA.ID00094 DTA.ID00095 DTA.ID00096 DTA.ID00097 DTA.ID00098 DTA.ID00099 DTA.ID00100, DTA.ID00101 DTA.ID00102 DTA.ID00103 Notice of Intent to Foreclose (Delaware)

Más detalles

Teeeny teeeny tiny little pieces of rocks. Anncr: But to her two year-old son, exploring the world around him, she makes perfect sense.

Teeeny teeeny tiny little pieces of rocks. Anncr: But to her two year-old son, exploring the world around him, she makes perfect sense. Below you will find the National Radio PSA Scripts. To listen to the radio spots, please go to: http://online.unitedway.org/bornlearning Born Learning Radio :60 At the Beach Ocean sounds Over there? Over

Más detalles

Farm Incubator Facilitators: Janet Parker 608 228 9096 (Habla español) Ly Xiong 712 4180 (Speaks Hmong) farleycenterfarm@gmail.com

Farm Incubator Facilitators: Janet Parker 608 228 9096 (Habla español) Ly Xiong 712 4180 (Speaks Hmong) farleycenterfarm@gmail.com Farley Center Farm Incubator Application Solicitud del Centro Farley de Educación Agrícola Farm Incubator Facilitators: Janet Parker 608 228 9096 (Habla español) Ly Xiong 712 4180 (Speaks Hmong) farleycenterfarm@gmail.com

Más detalles

High acceptance short term loans Fast Payday Loans - CLICK HERE

High acceptance short term loans Fast Payday Loans - CLICK HERE High acceptance short term loans. Was to have with appealing dollars, tried the book of the best cash advance 10032 personal loan albany ga httpwww. trhyales. czpersonal-loanalbany-ga. High acceptance

Más detalles

Cirugía para epilepsia

Cirugía para epilepsia Material educativo para el paciente y la familia Epilepsy Surgery: Making A Decision About Treatment / Spanish Cirugía para epilepsia Consideraciones para el tratamiento El grupo de doctores de la atención

Más detalles

CUESTIONARIO DISEÑADO PARA EVALUAR EL PRODUCTO DESCUBRE LAS PALMAS DE GC! QUE SERÁ ADMINISTRADO A TRAVÉS DE LA WEB CREADA PARA EL PRODUCTO.

CUESTIONARIO DISEÑADO PARA EVALUAR EL PRODUCTO DESCUBRE LAS PALMAS DE GC! QUE SERÁ ADMINISTRADO A TRAVÉS DE LA WEB CREADA PARA EL PRODUCTO. ANEXO E. CUESTIONARIO DISEÑADO PARA EVALUAR EL PRODUCTO DESCUBRE LAS PALMAS DE GC! QUE SERÁ ADMINISTRADO A TRAVÉS DE LA WEB CREADA PARA EL PRODUCTO. CUESTIONARIO: El proyecto Descubre Las Palmas de GC!

Más detalles

School Preference through the Infinite Campus Parent Portal

School Preference through the Infinite Campus Parent Portal School Preference through the Infinite Campus Parent Portal Welcome New and Returning Families! Enrollment for new families or families returning to RUSD after being gone longer than one year is easy.

Más detalles

Module 9: Restoring Your Credit Módulo 9

Module 9: Restoring Your Credit Módulo 9 Módulo 9 Reparando su crédito Módulo 9 Module Presentation Slides 9 272 Módulo 9: Reparando su crédito Módulo Presentación de diapositivas 9 Módulo 9: Reparando su crédito 273 274 Módulo 9: Reparando su

Más detalles

Spanish Version provided Below

Spanish Version provided Below Spanish Version provided Below Greater Waltown United Holy Church s Summer Reading and Math Program 706 Belvin Avenue Durham, N. C. 27712 (919) 220-7087 May 3, 2015 Dear Parent/Guardian: Summer can be

Más detalles

Setting Up an Apple ID for your Student

Setting Up an Apple ID for your Student Setting Up an Apple ID for your Student You will receive an email from Apple with the subject heading of AppleID for Students Parent/Guardian Information Open the email. Look for two important items in

Más detalles

SIGUIENDO LOS REQUISITOS ESTABLECIDOS EN LA NORMA ISO 14001 Y CONOCIENDO LAS CARACTERISTICAS DE LA EMPRESA CARTONAJES MIGUEL Y MATEO EL ALUMNO DEBERA

SIGUIENDO LOS REQUISITOS ESTABLECIDOS EN LA NORMA ISO 14001 Y CONOCIENDO LAS CARACTERISTICAS DE LA EMPRESA CARTONAJES MIGUEL Y MATEO EL ALUMNO DEBERA SIGUIENDO LOS REQUISITOS ESTABLECIDOS EN LA NORMA ISO 14001 Y CONOCIENDO LAS CARACTERISTICAS DE LA EMPRESA CARTONAJES MIGUEL Y MATEO EL ALUMNO DEBERA ELABORAR LA POLITICA AMBIENTAL PDF File: Siguiendo

Más detalles

The Home Language Survey (HLS) and Identification of Students

The Home Language Survey (HLS) and Identification of Students The Home Language Survey (HLS) and Identification of Students The Home Language Survey (HLS) is the document used to determine a student that speaks a language other than English. Identification of a language

Más detalles

Reinforcement Plan. Day 27 Month 03 Year 2015

Reinforcement Plan. Day 27 Month 03 Year 2015 BETHLEMITAS SCHOOL Reinforcement Plan Day 27 Month 03 Year 2015 TERM: I Date: COMPREHENSION GOAL: The students develop comprehension about the Living and Non- living things, plants, animals and their main

Más detalles

ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights

ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights. ODJFS Bureau of Civil Rights ODJFS Bureau of Civil Rights I NEED AN INTERPRETER, PLEASE. Title VI of the Civil Rights Act of 1964 prohibits discrimination on the basis of national origin. If you do not speak English well, social services,

Más detalles

Chattanooga Motors - Solicitud de Credito

Chattanooga Motors - Solicitud de Credito Chattanooga Motors - Solicitud de Credito Completa o llena la solicitud y regresala en persona o por fax. sotros mantenemos tus datos en confidencialidad. Completar una aplicacion para el comprador y otra

Más detalles

Structuring Numbers (ST) Score out of 4

Structuring Numbers (ST) Score out of 4 VASD 1 st Grade WINTER and SPRING Minimal Basic Proficient Winter 0-9 10-12 13-20 Spring 0-12 13-15 16-20 Fall 0-12 13-15 16-20 and 2 nd Grade Fall Math Screener If student gets 20/20 in WINTER do NOT

Más detalles

Invitados Especiales: Como invitados de honor David y Bianca Lisonbee. Fundadores de 4Life Research.

Invitados Especiales: Como invitados de honor David y Bianca Lisonbee. Fundadores de 4Life Research. Información General: Fecha de eventos: 3,4 y 5 de junio de 2011 Lugar: Corferias, Registro: 1 de octubre de 2010 al 31 de marzo de 2011 será $130.00 P/P. 1 de abril de 2011 hasta el 20 de mayo de 2011

Más detalles

Congressman Cuellar s Office to Host Starr County Home Weatherization Workshop

Congressman Cuellar s Office to Host Starr County Home Weatherization Workshop Congressman Cuellar s Office to Host Starr County Home Weatherization Workshop Rio Grande City, Texas On Thursday, November 7 th, the office of Congressman Henry Cuellar (D-TX28) will host a Home Repair

Más detalles

Puede pagar facturas y gastos periódicos como el alquiler, el gas, la electricidad, el agua y el teléfono y también otros gastos del hogar.

Puede pagar facturas y gastos periódicos como el alquiler, el gas, la electricidad, el agua y el teléfono y también otros gastos del hogar. SPANISH Centrepay Qué es Centrepay? Centrepay es la manera sencilla de pagar sus facturas y gastos. Centrepay es un servicio de pago de facturas voluntario y gratuito para clientes de Centrelink. Utilice

Más detalles

School Newsletter. Great Happens Here! School. We are a. October 2015

School Newsletter. Great Happens Here! School. We are a. October 2015 School Newsletter We are a School October 2015 Conejo Elementary School 280 Conejo School Road Thousand Oaks, CA 91362 (805) 495-7058 www.conejousd.org/conejo Great Happens Here! Elementary Counseling

Más detalles

The 10 Building Blocks of Primary Care

The 10 Building Blocks of Primary Care The 10 Building Blocks of Primary Care My Action Plan Background and Description The Action Plan is a tool used to engage patients in behavior-change discussion with a clinician or health coach. Using

Más detalles

Reducción de Riesgos En Deep Web

Reducción de Riesgos En Deep Web Reducción de Riesgos En Deep Web Puesta en Marcha 1. Antecedentes: Dr.X 2. Justificación: 1. Outreach virtual RdR: allá donde están las personas usuarias 2. Conocimiento directo, real e inmediato de nuevas

Más detalles

TITLE VI COMPLAINT FORM

TITLE VI COMPLAINT FORM [CITY SEAL/EMBLEM] The Capital City of the Palm Beaches TITLE VI COMPLAINT FORM Title VI of the 1964 Civil Rights Act requires that "No person in the United States shall, on the ground of race, color or

Más detalles

ÁMBITO DE COMUNICACIÓN Lengua extranjera: Inglés

ÁMBITO DE COMUNICACIÓN Lengua extranjera: Inglés CONSEJERÍA DE EDUCACIÓN PRUEBAS LIBRES PARA LA OBTENCIÓN DIRECTA DEL TÍTULO DE GRADUADO EN EDUCACIÓN SECUNDARIA OBLIGATORIA POR LAS PERSONAS MAYORES DE 18 AÑOS (Convocatoria septiembre 2010). APELLIDOS

Más detalles

1. Título: 2. Objetivos: 3. Contenidos de la propuesta: 4. Relación con los temas transversales: 5. Sesiones de trabajo: Preventing back injuires.

1. Título: 2. Objetivos: 3. Contenidos de la propuesta: 4. Relación con los temas transversales: 5. Sesiones de trabajo: Preventing back injuires. 1. Título: Preventing back injuires. 2. Objetivos: a) Adquirir vocabulario inglés básico relacionado con la prevención de riesgos por manipulación de cargas. b) Estudiar las formas gramaticales más apropiadas

Más detalles

HABERSHAM COUNTY SCHOOLS LAS ESCUELAS DEL CONDADO DE HABERSHAM ENROLLMENT/STUDENT INFORMATION FORM FORMA DE MATRICULACION

HABERSHAM COUNTY SCHOOLS LAS ESCUELAS DEL CONDADO DE HABERSHAM ENROLLMENT/STUDENT INFORMATION FORM FORMA DE MATRICULACION HABERSHAM COUNTY SCHOOLS LAS ESCUELAS DEL CONDADO DE HABERSHAM ENROLLMENT/STUDENT INFORMATION FORM FORMA DE MATRICULACION CHILD LIVES IN SCHOOL DISTRICT (PLEASE GIVE NAME OF ELEMENTARY SCHOOL) (distrito

Más detalles

IF YOU HAVE THE FOLLOWING PRODUCTS AVAILABLE FOR SALE & IMMEDIATELY DELIVERY, PLEASE LET US KNOW OR SEND US YOUR BEST OFFER,

IF YOU HAVE THE FOLLOWING PRODUCTS AVAILABLE FOR SALE & IMMEDIATELY DELIVERY, PLEASE LET US KNOW OR SEND US YOUR BEST OFFER, IF YOU HAVE THE FOLLOWING PRODUCTS AVAILABLE FOR SALE & IMMEDIATELY DELIVERY, PLEASE LET US KNOW OR SEND US YOUR BEST OFFER, aluzardo@aol.es chaponn@luzardomarine.com THANKS / MUCHAS GRACIAS NB: ONLY SERIOUS

Más detalles

Su presupuesto. Cómo hacer un presupuesto

Su presupuesto. Cómo hacer un presupuesto Finanza Toolbox Materials Su presupuesto Un presupuesto es un plan que ayuda a emparejar los gastos con los ingresos. Los gastos son la cantidad de dinero que gasta. Los ingresos son la cantidad de dinero

Más detalles

Aprende más sobre Acción Diferida para los llegados en la infancia. Learn more about Deferred Action for Childhood Arrivals

Aprende más sobre Acción Diferida para los llegados en la infancia. Learn more about Deferred Action for Childhood Arrivals Aprende más sobre Acción Diferida para los llegados en la infancia Learn more about Deferred Action for Childhood Arrivals 1 DACA: Acción diferida para los llegados en la infancia En 2012, el Presidente

Más detalles

TEACHER TOOLS: Teaching Kids Spanish Vocabulary. An Activity in 4 Steps

TEACHER TOOLS: Teaching Kids Spanish Vocabulary. An Activity in 4 Steps TEACHER TOOLS: Teaching Kids Spanish Vocabulary An Activity in 4 Steps Teaching Kids Spanish Vocabulary Lesson for Spanish Teachers Learning new vocabulary words in Spanish is an important element in the

Más detalles

Member Name: Date: Telephone:

Member Name: Date: Telephone: Member Name: Date: Telephone: Member ID: Date of Birth: This information is available for free in other languages. Please contact our customer service number at 1 (888) 864-1114 or TTY (800)

Más detalles

Forex ebook "My Book of Trading. Forex."

Forex ebook My Book of Trading. Forex. Forex ebook "My Book of Trading. Forex." "Dedicado a todos aquellos que piensan, que la vida es un continuo análisis de riesgo, que hay que ir valorando." "Dedicated to those who think that life is a continuous

Más detalles

An explanation by Sr. Jordan

An explanation by Sr. Jordan & An explanation by Sr. Jdan direct object pronouns We usually use Direct Object Pronouns to substitute f it them in a sentence when the it them follows the verb. Because of gender, him and her could also

Más detalles