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Published Wed, 13 Feb 2013 14:30 CET by TopYields.nl
General BDC Overview
Dividend investors seeking monthly income can achieve their investment objective through several Business Development Companies (BDCs). These companies are cyclical investments that generally lend to speculative businesses that have difficulty accessing credit from traditional sources. BDCs also may hold equity interest, such as warrants, in invested companies or may buy the companies' debt. As tax-advantaged investment vehicles, BDCs generally pass on at least 90% of their income to investors in a form of cash distributions (dividends). Hence, BDCs tend to pay high dividend yields. There are only about 28 BDCs in the United States, out of which merely six pay dividends on a monthly basis. Still, despite the appeal of monthly dividends of the select group of BDCs, all BDCs should be evaluated based on their risk profile and the total return potential.
As bank lending standards have tightened significantly since the financial crisis in 2008, lending opportunities for BDCs have increased substantially. In a rebounding economy, this has enabled BDCs to boost their investment portfolios. Many have done so in a way that reduces risk by lending to or investing in a large number of companies across the various business sectors. Still, even when risks are spread out across many companies and diversified across industries, the BDC business model is inherently risky, given that BDCs tend to lend to companies below investment grade or without a credit rating. As compensation for high risk, BDCs charge high interest rates or require high rates of return. When the economy is expanding, the borrower default risk is reduced and the overall BDC portfolio tends to perform well. This means that high lending rates or required rates of return translate into strong income and cash flow. In the current macroeconomic environment, many BDCs show positive trends of expanding net investment income. Indeed, some BDCs have much higher return on equity (ROE) than conventional commercial banks.
Given their status as pass-through entities, BDCs also tend to pay high dividends, providing for high dividend yields. This feature makes them appealing as income investments. For example, the average dividend yield for the 28 BDCs in the Wells Fargo Business Development Company Index is 9.78%, as of December 31, 2012. That yield is whole 7.58 percentage points or 4.4 times higher than the average dividend yield of the S&P 500 Index. Sure, elevated dividend yields also reflect higher risk inherent in the BDC business model. However, some BDCs are financially sound, and their higher yields relative to those of commercial banks make them attractive for some income investors.
BDCs Paying Monthly Dividends
As already noted, there are six BDCs that pay dividends on a monthly basis. Below is a closer look at each of the six BDCs.
Main Street Capital (NYSE: MAIN) is a BDC that specializes in equity, equity-related, and debt investments in small and lower middle-market companies. The company pays a monthly dividend of $0.15 per share, which translates into a dividend yield of 5.6%. The current monthly dividend is 11.1% higher than that paid in the same month a year ago. Its dividend is well covered by net investment income, with the coverage ratio of 88% of net investment income reported in the third quarter of 2012. Given its strong financial performance, the company has generated spillover taxable income (taxable income in excess of dividends paid) of $0.96 per share, as of September 30, 2012. In early January, Main Street Capital Corporation paid a special cash dividend of $0.35 per share. The stock has a high ROE of 22.6%, compared to an average ROE of 8.4% for the banking industry. MAIN has rallied nearly 41% over the past 12 months and is currently trading at a price-to-Net-Asset-Value (NAV) of 182%.
Stock symbol(s): FSC,FULL,GAIN,GLAD,MAIN,PSEC
|Stock name
|Dividend yield


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PHOTO: Dakota Woman painting being moved
Two Harvey Dunn paintings from Mitchell's Dakota Discovery Museum will be on loan to a Texas museum as a part of the "Madonnas of the Prairie" exhibit showing artwork representing empowered pioneer women of the early 1900s. The exhibit opens in April and runs through Aug. 30.
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Shelly Schwartz is a CNBC contributor who specializes in personal finance and retirement coverage.
When it comes to retirement, American women save far less than men and invest too conservatively, according to a new survey from BlackRock.
Effective savings strategies and a healthy lifestyle can help create a cushion in your retirement nest egg for future health-care needs.
While weather and taxes are a priority for some retirees, most wish to age in place, close to friends and family.
Due to tax implications, it's best for those with urgent financial needs to seek additional fund sources other than 401(k) retirement plans.
Americans leave tens of thousands on the table by claiming Social Security benefits at the wrong time, but financial advisors can help.
Failing to take advantage of all your available tax breaks now gives you a lighter wallet—and Uncle Sam an undeserved bonus.
Advisors recommend you reassess your financial plan after every major life event to ensure you are shielded from financial curveballs.
The end of the year is a good time to review estate plans, particularly if you've had a change-in-life circumstance in the past 12 months.
Include insurance coverage on your financial planning checklist. All too often, this safety net protecting assets gets short shrift.
Burned by the Great Recession, investors still play it safe, but advisors say hesitancy to invest for growth hurts the size of nest eggs.


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By: Hitsugaya
3 Second mode. Normal speed. Music didn't record so i put another song in there.
Views: 905 | Posted: 05/22/2011
By: aetharr
Just thought I'd upload this, this is me playing stage IX of Yuusha30, aka Half-Minute Hero. This game is awesome... for me, it has a feel of WarioWare, but obviously quite different.. anyway. I was gonna make something funny.. but couldnt be bothered in the end, something like It's a Mini adventure like the Mini car adverts.. but i dunno... anyway, enjoy :)
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By: panzerdrako
whoa!...that ost in the press start screen sound great...it is like those band cover old 8-bit music into metal...I WILL GET IT!!!!
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What is this gigantic thing that stands before me?
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Please wait, Father. I'll cure your illness right away!
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Ahahahaha, I set you up the bomb!
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What's wrong, my Sage? You shouldn't stand there.
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Is this RPG parody worth your time?
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Ready for hard mode?
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Japanese Quest 6 Gameplay for the Hero character.
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Hobbs Family Inn
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... group departure. Therefore, I have asked a park ranger down in the cave, if it really takes 1 hr. He said you can do it in 45 min. Alright! So I went for it. Including the time it spend for admiration and photos, I actually did the climb in 30 min, but I was soaking wet. Anyways, it was a great exercise after all these bus hours and a life-time climb. Awesome view for 2 km which the walkway winds up the 250 m.
I have actually never ...
Almost there!
- Woke up beyond excited to see my family in Lubbock!
- Filled up my gas tank, got some ice and water, and i was off!
- It was a short drive to Lubbock, and before i knew it I was there!
- It was great to see my family!
- My aunt made me a nice turkey ...
Amtrak train ride
... was spent reading, or writing.
Very lazy way of spending the day!
I hope the pictures I took of the Colorado river and the beautiful red rocks above it turn out, but until our computer is free I can't do them.
We were advised to try and get some sleep as our wake up call was to be 3am!
The train finally stopped at Salt Lake city more like 4am.
Then luckily ...
Plans can change - this is an adventure
Each morning we look at the map to see where want to be and book a hotel for the night and this is when Darren realized we were near Roswell, NM home of the famous UFO government cover-up. We traded the caverns for a chance to spot an alien and we headed north on Rt ...
Wonders of Carlsbad Cavern
Stayed at yet another lovely state park campgrounds, Brantley Lake State Park. Beautiful desert location. Picture this, taking the elevator down 750 feet in one minute to enter the cavernous wonders of Carlsbad Cavern! It was an incredible visual experience with each turn of the head. Tom was taking picture after picture and we both were enjoying every moment even in the 59 degrees and 90% humidity. When suddenly ...


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WLTB Meets Johanna Basford
Editor Anna chats to the illustrator of the bestselling grown-up colouring in books Secret Garden and Enchanted Forest Johanna Basford, who also shows Anna how
Editor Anna chats to the illustrator of the bestselling grown-up colouring in books Secret Garden and Enchanted Forest Johanna Basford, who also shows Anna how
Akhil Sharma has won the 2015 Folio Prize for Fiction for his novel Family Life (Faber & Faber).
In June, Transworld will be publishing the long-awaited new novel from the co-author of The Guernsey Literary and Potato Peel Society, which has sold over 6 million copies wor
Illustrator Jamie Littler tells us more about creating the illustrations for Danny Wallace's new series, Hamish and the Worldstoppers.
Louise O'Neill has won the inaugural YA Book Prize for her debut, Only Ever Yours, a dystopian, feminist satire on how society judges women for their appearance.
We love sharing book recommendations at We Love This Book and to celebrate St Patrick's Day we asked the The Bookseller team for their favourite books written by Irish authors.
Meet Violet Remy-Robinson: amateur sleuth, great friend and not at all a master of disguise. In her second adventure Violet is wrapping up a holiday in India with her godmother.
The Mirror World of Melody Black is Gavin Extence's second novel following his debut smash hit The Universe Versus Alex Woods.
Wasp is a richly-textured descriptive novel which instantly engages the reader and plunges them into the underbelly of 18th century society. A world where "Harris's List of Covent Garden Ladies", a yellow-pages for the Georgian libertine, could sell 8,000 copies a year.
Since the huge success of The Old Ways in 2012, itself the eagerly anticipated final instalment in a "loose trilogy about landscape and the human heart", Robert Macfarlane has been feted as leading a renaissance in nature and travel writing.
A remarkable book looking at a community rocked by a homicide epidemic. Based on extensive research into the workings of the homicide units of the LAPD this report gives an eye-opening analysis of the streets, the homes and the lives of the LA community. It looks in particular at t
"Down with the dictatorship of aches and pains, and down with the doctors who stuff us with pills, and down with the daily routine that's sending us to our graves. We've got to rebel. And when the end comes, well, we can bow out with dignity."
Hamish Ellerby lives with his mum and older brother in Starkley, the UK's fourth most boring town. Or is it? Soon things are about to get interested – and dangerous.
There is much to intrigue and engage the reader in Vanishing Girls. It is told from two points of view by sisters Dara and Nicole. It covers the time before a car accident and after which Nick seems to survive unscathed and Dara is less lucky.
Reading fictional tales of drunken and drugged-up excess is sort of like listening to a friend soliloquise about how last night (a night you were absent for) was the best night he'd had in his life, describing at length everything he ingested, from alcohol to ecstasy to bodily fluids.
When a mysterious shop made of sparkling black stone appears nestled among the original shops on a Glasgow street people are curious.
Tralane Huntingore, the central character, defines the Glorious Angels of the title as "bolts from the blue, forces of nature, that kick you sideways out of all your best laid plans". Uncertainty, surprise and the inexplicable do indeed form a large part of this intricately plotted, multi-fa
Editor Anna chats to the illustrator of the bestselling grown-up colouring in books Secret Garden and Enchanted Forest Johanna Basford, who also shows Anna how
To celebrate the latest book in the Geek Girl series and the World Book Day Geek Girl special, editor Anna talked to author (and friend) Holly Smale.


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The home of cutting-edge research on the development of alternative sustainable technologies.
Impact Factor 6.852 12 Issues per Year Indexed in Web of Science
oxidation of alcohols by molecular oxygen over a Pd/MgO catalyst in the absence of any additives
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National Risk Management Research Laboratory, Sustainable Technology Division, MS-443 US-Environmental Protection Agency, 26 West, Martin Luther King Drive, Cincinnati, USA
Green Chem., 2004,6, 161-165
Received 15 Dec 2003, Accepted 23 Dec 2003
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Humorist's Ohio Home On National Register Of Historic Places
The suburban ranch-style home in Ohio where humor writer Erma Bombeck launched her nationally syndicated column has been added to the National Register of Historic Places.
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U.S. Senator Rob Portman today opened the Columbus campaign headquarters for GOP presidential candidate Mitt Romney. WOSU spoke with the senator about some of the top issues on the presidential campaign trail.
Super Tuesday is less than two weeks away. And the campaign for Republican presidential hopeful Mitt Romney set up shop on Dublin Road near Grandview Heights.
Senator Rob Portman, who's backing Romney, told the packed office space November's election is critical.
"I just feel like we cannot afford another four more years. Do you agree with me? Amen!"
And as the GOP tries to make up its mind about which front runner they'll support – Ronmey or Rick Santorum – Portman said Ronmey is the candidate who can beat President Obama.
"This is a guy who combines the personal traits, the knowledge and the experience to be a true leader," the Senator said.
The GOP has yet to coalesce around a candidate. Here in Ohio, Republicans seem split. Last week, Attorney General Mike DeWine announced he was switching his support from Romney to Santorum. Portman said the lack of unity within the party lends to a lackluster campaign season.
"I think we will come together. I just would like it to happen sooner rather than later because I think that improves our chances of winning in November," he said.
While legislators have not made up their minds, many independent voters have not decided either. The economic situation for some is a top issue. Ohio's unemployment rate hovers around eight percent. But the issue has taken a back seat recently to contraception. The president recently compromised on a proposal he made to require religious employers to provide birth control after it ignited a firestorm of criticism from some conservatives. Portman said the key issue of this election is jobs.
"Particularly here in this state where we've had so many manufacturing jobs lost, where we have such a concern about whether we're going to be able to leave to our kids and grandkids and better country and a better state. The focus ought to be on jobs and the economy," Portman said.
Romney's campaign will be in full swing in the coming days as Ohio's primary voters prepare to go to the polls March 6.


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Canucks question Tim Thomas' roaming
Updated: June 3, 2011, 3:37 PM ETAssociated Press
VANCOUVER, British Columbia -- The Vancouver Canucks weren't surprised by Boston Bruins goalie Tim Thomas' outstanding play in the Stanley Cup finals opener.
They simply took issue with where Thomas played.
Coach Alain Vigneault joined several Canucks in questioning Thomas's aggressive positioning well outside his crease, complaining specifically about a tripping penalty to Alex Burrows for bumping Thomas outside the blue paint.
But as Thomas and Bruins coach Claude Julien both ...
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text: I am a UK psychiatrist with a special interest in child protection issues and the assessment of parenting. I generally travel to academic meetings to discuss developments in child protection practices. I have a company developing assessment software. It's particularly nice to be able to stay somewhere personal when travelling like this, to meet local people and to get away from impersonal hotels.


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Mirri Supplies Innovative Metallic Material
for Sette Vie Italian Liqueur cartons
Mike Impson, Sales Manager, from Saxon Packaging commented "MirriEco Ag with Korsnas Carry Coated Natural Kraft board is a new development at Mirri and provided us with many material benefits. It is strong and smooth both sides which offers a high standard of presentation and protects the bottle inside. The material is also recyclable which enabled us to add the Mobius Loop recycle logo on the design of the box".
MirriEco Ag is direct metallised high quality board. This sustainable alternative is recyclable, repulpable (PTS –method RH 21/97). MirriEco Ag is suitable for UV litho and conventional printing using oxidising inks, as well as a full range of post press finishes such as die cutting, embossing and cutting and creasing.


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180 Copeley Road
Charlottesville, VA 22903
Charlottesville, VA 22903
Tel: (434)293-6110
The University of Virginia Child Development Center was established in 1991 for infant to prekindergarten.
The University of Virginia Child Development Center is accredited by the National Association for the Education of Young Children (NAEYC).
The Center earned this designation by having a lower child and teacher ratio, offering an outstanding program, and hiring the finest staff.
Children learn by doing, and at the University's Child Development Center your preschooler will strengthen his or her cognitive skills with plenty of hands-on activities.
Our curriculum is organized into theme-based units that address complex topics that encourage children to develop their skills and confidence.
Each unit incorporates language, math, science, creative arts, music, motor skills and social development.
School Overview
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CharlottesvilleJefferson Trail Treatment Center For Children
2101 Arlington Blvd
Charlottesville, VA 22903
(434)977-1523Special Education School0.1 mi | 43 students | Gr. PK
CharlottesvilleSt. Anne's-Belfield School
2132 Ivy Road
Charlottesville, VA 22903
(434)296-5106(Christian)0.5 mi | 730 students | Gr. NS-12
CharlottesvilleVirginia Institute Of Autism
1414 Westwood Rd
Charlottesville, VA 22903
(434)923-8252Special Education School1.4 mi | 29 students | Gr. UG
CharlottesvilleVillage School
215 E High St
Charlottesville, VA 22902
(434)984-44041.7 mi | 70 students | Gr. 5-8
CharlottesvilleFirst Baptist Early Childhood Development Center
735 Park St
Charlottesville, VA 22902
(434)296-6198Daycare / Preschool (Baptist)1.9 mi | 213 students | Gr. PK-K
School Reviews
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Mumbai is home to over one crore twenty lakhs of people and of these over 1 crore are voters. The Mumbai city district has over twenty four lakhs voters. The right to vote, as envisioned in the Constitution, is paramount to ensure individual liberty and freedom. The right to vote, moreover, is an embryo of free and fair election. Our purpose is to encourage voters to cast their votes, and simultaneously we intend to stress on the fact that staying away from polling booth is allowing others to decide for you. Our motto is - 'enrol every eligible voter and encourage every voter to vote'.
Yet this motto is far from fulfilled without your cooperation. Towards this, the website aims to act as a facilitator; a window to look at the other side. So at our side you will get to see the electoral rolls, polling stations, the profiling of constituencies and the facilities that are there to encourage you to vote.
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County of Santa Cruz HUMAN RESOURCES AGENCY 1000 EMELINE ST., SANTA CRUZ, CA 95060 (831) 454-4130 OR 454-4045 FAX: (831) 454-4642 CECILIA ESPINOLA, ADMINISTRATOR January 25,200O Agenda: February 8, 2000 BOARD OF SUPERVISORS County of Santa Cruz 701 Ocean Street Santa Cruz, California 95060 CONTRACT FOR THE PROVISION OF A LITERACY SERVICES PILOT PROJECT Dear Members of the Board: The purpose this letter is to request your Board's approval of a contract with the Volunteer Centers of Santa Cruz County to provide literacy and language services to Santa Cruz County CalWORKs clients through the Volunteer Centers' Literacy Program, beginning this fiscal year and continuing through June 30,200l. This agreement, funded through the Temporary Assistance to Needy Families (TANF) single allocation in the amount of $90,000, will allow the Volunteer Centers to conduct a pilot project to provide vocationally linked literacy services to CalWORKs participants, and test the effectiveness of short term intensive literacy services in the context of Welfare to Work programs. There is no County cost associated with this project. As your Board is aware, under the new welfare reform law, assistance is now time-limited, and families have no more than twenty-four months to move from welfare to self-sufficiency. In this context, one of the greatest challenges confronting the Human Resources Agency is to assist CalWORKs participants with low language and literacy skills in developing new job skills. Participants with very limited English language skills are often limited to low-paying or seasonal employment that offers little hope of achieving earnings sufficient to sustain a family. The Literacy Program of the Volunteer Centers of Santa Cruz County has a long history of providing language instruction to those learning English as a second language. Over the last ten yeas the Literacy Program has developed a set of employment training language and literacy curricula, the "Pro-Series" which links learning language skills to fast track development of important job skills in the areas of hospitality services, health and home health care. The program is based on educational research demonstrating that the rate of language learning is increased if it is taught in context. The literacy pilot project will incorporate the wide array of services delivered 41 BOARD OF SUPERVISORS 2 Agenda: February 8, 2000 Contract for the Provision of a Literacy Services Pilot Project by the Literacy Program to provide intensive content-based language skill instruction to targeted CalWORKs participants. The pilot project will assess whether giving participants specific job skills and helping them with job placement while increasing their English literacy skills, is an effective strategy to help students pull themselves out of the cycle of poverty that frequently accompanies illiteracy. HRA has developed an agreement with the Volunteer Centers of Santa Cruz County to serve at least 42 CalWORKs participants with minimal literacy and language skills through June 2001. The total amount of this multi-year contract is $90,000 of which approximately $30,000 will be spent in FY 99/00. IT IS THEREFORE RECOMMENDED that your Board approve the proposed multi-year agreement with the Volunteer Centers of Santa Cruz County in the amount of $90,000, and authorize the Human Resources Agency Administrator to sign the agreement. Very truly yours, I ~iu?picoIQ, CECILIA ESPINOLA Administrator CE/GM:n:\hra\gm\vclpOO.bos Attachments WMMENDED: Susan A. Mauriello County Administrative Officer cc: County Administrative Officer Auditor-Controller County Counsel 41. P --- COUNTY OF SANTA CRUZ 0285 REQUEST FOR APPROVAL OF AGREEMENT TO: Board of Supervisors FROM: County Administrative Officer County Counsel Auditor-Controller The Board of Supervisors is hereby requested to approve the attached agreement and authorize the execution of the same. Said agreement is between the H~?%iil ReSOurCeS Agency 1. (Agency) and, Volunteer Centers of Sa;lta Cruz CO. 1010 Emeline Ave. Santa Cruz, CA 95060 (Name & Address) 2. The agreement will provide Lit-w se??'-ces to eligible CalWORXS families. 3. The agreement is needed, To operate a;zd adsizzister a literacy shxvlces pilot pro:ecr. (Single Allocation Pin :'i 623u32 ). Period of the agreement is from 2/8/00 to 6/30/00 Anticipated cost is $309000 (Fixed amount; Monthly rate; Not to exceed) Remarks: A multi-year coa'iract 2/8/00 - 6/30/01 totalkg $90,000: J?Y 99-00 - $30,000; ~- FY 00-01 - $60,000. X-9 on :Ti!,e, contact Gary XcNeii 3 5459. -- 7. Appropriations are budgeted in 392100 (I ndex#)z5 (Subobject) NOTE: IF APPROPRIATIONS ARE INSUFFICIENT, ATTACH COMPLETED FORM AUD-74 mncumbered. Date Contract No. ' * 92- 0 ' 7 .-J$&/oo Proposal reviewed and approved. It is recommended that the Board of Supervisors approve the agreement and authorize the HRA Administrator to execute the same on behalf of the Human Resources Agency (Agency). Count Administrative Officer Remarks: By ~~TGe Gzw (Analyst) Agreement opproved as to form. Dote Distribution: Bd. of Supv. - White Auditor-Controller - Blue State of Caljfornia 1 ss County Counsel - Green l County of Santa Cruz ) Co. Admin. Officer - Conory I ex-officio Clerk of the Board of Supervisors of the County of Santa Cruz. Auditor-Controller - Pink Originating Dept. - Goldenrod State of California, do hereby certify that the foregoing request for approval of agreement was pp ed by said Board of Supervisors as recommended by the County Admimstrative Officer by an ord lY tered *To Drig. Dept. if reiected. in the minutes of said Board on 41ficer C o u n t y AdmInIs v 19 - BY - Deputy Clerk ADM - 29 (6/95) 0286 CONTRACT NO. SANTA CRUZ COUNTY AGREEMENT FOR THE PROVISION OF A LITERACY SERVICES PILOT PROJECT 1. PARTIES TO AGREEMENT: The COUNTY OF SANTA CRUZ by and through the Human Resources Agency, hereinafter referred to as "COUNTY," and VOLUNTEER CENTERS OF SANTA CRUZ COUNTY, hereinafter referred to as "CONTRACTOR" hereby agree as follows: 2. TERM OF AGREEMENT: This agreement shall become effective as of February 8,200O and shall continue in effect through June 30,2001, unless sooner terminated in accordance with paragraph 2 1. 3. BASIS OF PAYMENT: A. In consideration of the services described in Exhibit "A" ("Program Responsibilities and Functions"), COUNTY shall pay CONTRACTOR on the basis of performance based claims submitted to the Human Resources Agency in accordance with Exhibit "B" ("Budget") attached hereto. In no event shall the maximum payment made by COUNTY to CONTRACTOR under this agreement exceed the sum of $90,000 to provide Literacy services to CalWORKs participants as provided in Exhibit "A". The total amount anticipated for FY 99/00 is $30,000 based on projected services to participants, and $60,000 is anticipated for FY OO/Ol based on prior year usage and carryover. B. All fixed assets purchased under this agreement shall become the property of the COUNTY. C. CONTRACTOR shall submit expenditure report forms as provided by the COUNTY for any payments made under this agreement on a monthly basis in order to receive payment. D. An expenditure report for the final reporting period of FY 99/00 shall be provided to the COUNTY no later than July 31,200O and an expenditure report for the final reporting period of FY OO/Ol shall be provided to the COUNTY no later than July 31,200l. E. CONTRACTOR may receive a one-time advance not to exceed 25% of the funds allocated for this agreement for FY 99/00 only if it provides a satisfactory fidelity bond in the amount of the advance requested naming the COUNTY as loss payee, an original certificate for Initials Con r/County L 41 0287 which must be submitted to the COUNTY as part of the advance request and at renewal as in paragraph &B.(4). Any amount advanced shall be liquidated in FY99/00 in no more than three equal monthly installments, commencing the month following payment of the advance. 4. DUTIES AND RESPONSIBILITIES: A. CONTRACTOR agrees to provide employment related services to families and individuals by providing literacy skill assessment and language instruction, among other services as further described in Exhibit "A" ("Program Responsibilities and Functions"). B. CONTRACTOR shall submit evidence of incorporation by the State of California to the COUNTY in order for payments to be made to CONTRACTOR. Payments to CONTRACTOR will not be made if articles of incorporation and a valid tax ID number have not been submitted. C. CONTRACTOR agrees to comply with all applicable conditions contained in the Memorandum of Understanding which may be agreed upon between COUNTY and CONTRACTOR. 5. FISCAL, ADMINISTRATIVE AND PROGRAMMATIC RECORDS: CONTRACTOR shall keep and maintain accurate records pertaining to its conduct of the program approved under this agreement. Fiscal records shall be available to COUNTY or any authorized representatives thereof; a CONTRACTOR shall retain records for five (5) years after the expiration of this agreement unless permission to destroy them is granted by COUNTY. CONTRACTOR agrees to make all fiscal, administrative, programmatic and client records available to the County Auditor- Controller, the Human Resources Agency, or to the authorized representatives of the State or Federal government at any time upon request, for the purpose of an audit for verifying CONTRACTOR's compliance with the terms of this agreement. CONTRACTOR agrees to comply with any Federal or State or County audit requirements that may be applicable. The contracting parties shall be subject to the examination and audit of the State Auditor General for a period of not less than three (3) years from the date of termination of this agreement. 6. CONFIDENTIALITY: The CONTRACTOR shall protect from unauthorized disclosure, except as authorized by the client in writing, names and other identifying information concerning persons receiving services under this agreement, except for statistical information not identifying any client. Notwithstanding this provision, CONTRACTOR agrees to provide the COUNTY with client records upon request, for the purpose of verifying compliance with this agreement. 7. INDEMNIFICATION FOR DAMAGES, TAXES AND CONTRIBUTIONS: CONTRACTOR shall exonerate, indemnify, defend, and hold harmless COUNTY (which for the 2 Initials 1. o&-actor/County i!@ 0288 purpose of paragraphs 5 and 6 shall include, without limitation, its officers, agents, employees and volunteers) from and against: A. Any and all claims, demands, losses, damages, defense costs, or liability of any kind or nature which COUNTY may sustain or incur or which may be imposed upon it for injury to or death of persons, or damage to property as a result of, arising out of, or in any manner connected with the CONTRACTOR'S performance under the terms of this Agreement, excepting any liability arising out of the sole negligence of the COUNTY. Such indemnification includes any damage to the person(s), or property(ies) of CONTRACTOR and third persons. B. Any and all Federal, State and Local taxes, charges, fees, or contributions required to be paid with respect to CONTRACTOR and CONTRACTOR'S officers, employees and agents engaged in the performance of this Agreement (including, without limitation, unemployment insurance, social security and payroll tax withholding). 8. INSURANCE: CONTRACTOR, at its sole cost and expense, for the full term of this Agreement (and any extensions thereof), shall obtain and maintain at minimum compliance with all of the following insurance coverage(s) and requirements. Such insurance coverage shall be primary coverage as respects COUNTY and any insurance or self-insurance maintained by COUNTY shall be excess of CONTRACTOR'S insurance coverage and shall not contribute to it. If CONTRACTOR utilizes one or more subcontractors in the performance of this Agreement, CONTRACTOR shall obtain and maintain Independent Contractor's Insurance as to each subcontractor or otherwise provide evidence of insurance coverage for each subcontractor equivalent to that required of CONTRACTOR in this Agreement. A. Types of Insurance and Minimum Limits (1) Worker's Compensation in the minimum statutorily required coverage amounts. (2) Automobile Liability Insurance for each of CONTRACTOR'S vehicles used in the performance of this Agreement, including owned, non-owned (e.g., owned by CONTRACTOR'S employees), leased or hired vehicles, shall each be covered with Automobile Liability Insurance in the minimum amount of $500,000.00 combined single limit per occurrence for bodily injury and property damage. (3) Comprehensive or Commercial Liability Insurance coverage in the minimum amount of $1 ,OOO,OOO.OO combined single limit, including coverage for: (a) bodily injury, (b) personal injury, (c) broad form property damage, (d) contractual liability, and (e) cross-liability. 3 Initials I fa Contractor/County 0289 B. Other Insurance Provisions (1) If any insurance coverage required in this Agreement is provided on a "Claims Made" rather than "Occurrence" form, CONTRACTOR agrees to maintain the required coverage for a period of three years after the expiration of the Agreement (hereinafter "post agreement coverage") and any extensions thereof. CONTRACTOR may maintain the required post agreement coverage by renewal or purchase of prior acts or tail coverage. This provision is contingent upon post agreement coverage being both available and reasonably affordable in relation to the coverage provided during the term of this Agreement. For purposes of interpreting this requirement, a cost not exceeding 100% of the last annual policy premium during the term of this Agreement in order to purchase prior acts or tail coverage for post agreement coverage shall be deemed to be reasonable. (2) All required Automobile and Comprehensive or Commercial General Liability Insurance shall be endorsed to contain the following clause: "The County of Santa Cruz, its officials, employees, agents and volunteers are added as an additional insured as respects the operations and activities of, or on behalf of, the named insured performed under Agreement with the County of Santa Cruz." (3) All the insurance policies shall be endorsed to contain the following clause: "This insurance shall not be canceled until after thirty (30) days after the COUNTY shall have received written notice of such cancellation or non- renewal. The notice shall be deemed effective the date delivered to the COUNTY as evidenced by properly validated return receipt. Such notice shall be sent to the Human Resources Agency, 1000 Emeline Ave., Santa Cruz, CA 95060, Attn: Gary McNeil. (4) CONTRACTOR agrees to provide its insurance broker(s) with a full copy of these insurance provisions and provide COUNTY on or before the effective date of this Agreement with Certificates of Insurance for all required coverages. The timely submission of the insurance certificate is a necessary and material term and condition of this agreement. COUNTY may stop payments under this agreement when certificate of insurance has not been submitted to he COUNTY by CONTRACTOR within fifteen (15) days after effective date of agreement and within fifteen (15) days after expiration date of each required insurance policy. All Certificates of Insurance shall be delivered or sent to the Human Resource Agency, 1000 Emeline Ave., Santa Cruz, CA 95060, Attn: Gary McNeil. 9. NON-DISCRIMINATION PROVISIONS: 4 Initials al Contractor/County 0290 A. The CONTRACTOR shall not discriminate against any employee or applicant for employment because of race, color, religion, national origin, ancestry, pregnancy, disability, medical condition (cancer related), pregnancy, gender, marital status, sex, sexual orientation, age (over 18), veteran status or any other non-merit factor unrelated to job duties. Such non- discriminatory action shall include, but not be limited to the following: recruitment; advertising; layoff or termination; rates of pay or other forms of compensation; and selection for training (including apprenticeship), employment, upgrading, demotion, or transfer. The CONTRACTOR agrees to post in conspicuous places, available to employees and applicants for employment, notice setting forth the provisions of this non-discrimination clause. If CONTRACTOR employs fifteen (15) or more employees, the following requirements shall apply: (1) The CONTRACTOR shall, in all solicitations or advertisements for employees placed by or on behalf of the CONTRACTOR, state that all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, disability, medical condition (cancer related), pregnancy, gender, marital status, sex, sexual orientation, age (over 1 S), veteran status, or any other non-merit factor unrelated to job duties. In addition, the CONTRACTOR shall make a good faith effort to consider Minority/Women/Disabled Owned Business Enterprises in CONTRACTOR's solicitation of goods and services. Definitions for Minority/Women/Disabled Business Enterprises are available from the COUNTY General Services Purchasing Division. (2) The CONTRACTOR shall furnish COUNTY Affirmative Action Office information and reports in the prescribed reporting format (PER 4012, provided by COUNTY upon request) identifying the sex, race, handicap or disability, and job classification of its employees and the names, dates and methods of advertisement and direct solicitation efforts made to subcontract with Minority/Women/Disabled Business Enterprises. (3) In the event of the CONTRACTOR's non-compliance with the non-discrimination clauses of this Agreement or with any of the said rules, regulations, or orders said CONTRACTOR may be declared ineligible for further agreements with the COUNTY. (4) The CONTRACTOR shall cause the foregoing provisions of this Subparagraph 7B. to be inserted in all subcontracts for any work covered under this Agreement by a subcontractor compensated more than $50,000.00 and employing more than fifteen (15) employees, provided that the foregoing provisions shall not apply to contracts or subcontracts for standard commercial supplies or raw materials. B. Contractor will comply with the provisions of the Fair Employment an Housing Act (Government Code Section 12900 et seq.) and the applicable regulations promulgated thereunder 5 Initials @I Contractor/County 0291 (California Administrative Code, Title 2, Section 7285.0 et seq.). The applicable regulations of the Fair Employment and Housing Commission implementing Government Code Section 12990, set forth in Chapter 5 of Division 4 of Title 2 of the California Administrative Code are incorporated into this contract by reference an made a part hereof as if set forth in full. CONTRACTOR shall give written notice of its obligations under this clause to labor organizations with which it has a collective bargaining agreement or other agreement. C. No person shall, on the grounds of gender, race, color religion, national origin, ancestry, pregnancy, disability, medical condition (cancer-related), marital status, sex, sexual orientation, age (over 1 S), or veteran status be excluded from participation in, be denied the benefits of, or be subjected to discrimination in any program conducted under this agreement. D. CONTRACTOR will implement written complaint procedures regarding the non- discrimination provisions of this agreement within thirty (30) days of its effective date and will provide said procedures in writing to all clients, employees and applicants for employment. 10. PARTISAN POLITICAL ACTIVITIES: No monies, property or services received by CONTRACTOR under this agreement shall be used in the performance of any partisan political activity, or to further the election or defeat of any candidate for public office. 11. RELIGIOUS WORSHIP: In addition to other provisions of this Agreement, the CONTRACTOR: A. Represents that if it is or may be deemed to be a religious or denominational institution or organization operated for religious purposes which is supervised or controlled by or in connection with a religious or denominational institution or organization; and B. Agrees that, in connection with such essential services and operational costs: (1) It will not discriminate against any employee or applicant for employment on the basis of religion and will not limit employment or give preference in employment to persons on the basis of religion; (2) It will not discriminate against any persons seeking employment training services and related services on the basis of religion and will not limit such services or give preference to persons on the basis of religion; (3) It will provide no religious instruction or counseling, conduct no religious worship or services, engage in not religious proselytizing, and exert no other religious influence in the provision of services or the use of facilities or furnishings assisted in any way under this agreement. 6 Initials LZL I Contractor/County 41 0292 12. COMPLIANCE WITH APPLICABLE LAWS: The CONTRACTOR shall comply with all applicable laws, ordinances and codes of the Federal, State and County governments in operating its programs. 13. SUBCONTRACT AND ASSIGNMENT OF CONTRACT: A. Contractor shall not assign this Agreement or subcontract any portion thereof without the prior written consent of the COUNTY. Any assignment of or subcontracts under this agreement shall have no force or be effective until so approved and shall be subject to all the provisions of this Agreement, and all applicable State and Federal regulations. B. In the event any subcontractor is approved for any portion of the activities carried out under this agreement, CONTRACTOR retains the primary responsibility for ensuring the availability and retention of records of subcontractors. It shall be the responsibility of the CONTRACTOR to monitor all activities of the subcontractor to assure services set forth herein are adequately performed. The CONTRACTOR shall assure the proper administration of all services provided by the subcontractor. CONTRACTOR's required reports referenced throughout this agreement shall include information on all subcontractor activities. The CONTRACTOR shall be held responsible by the COUNTY for the performance of any subcontractor. C. No subcontract utilizing funds from this agreement shall be entered into which has a term extending beyond the ending date of this agreement as set forth in paragraph 2. D. CONTRACTOR shall assure subcontractor obtains all insurance specified in Paragraph 8 of this agreement. The subcontractor shall obtain the same insurances as required by the CONTRACTOR under this agreement. CONTRACTOR shall require from any subcontractor a written agreement to exonerate, indemnify, defend and hold harmless the County of Santa Cruz in accordance with the full application of Paragraphs 7 and 8 of this contract agreement. 14. CONFLICT OF INTEREST: CONTRACTOR and its employees, and members including officers of its governing Board shall avoid any actual, apparent or potential conflicts of interest pertaining to services provided under this agreement. 15. INDEPENDENT CONTRACTOR STATUS: CONTRACTOR and COUNTY have reviewed and considered the principal test and secondary factors below and agree that CONTRACTOR is an independent contractor and not an employee of COUNTY. CONTRACTOR is responsible for all insurance (worker's compensation, unemployment, etc.) and all payroll related taxes. CONTRACTOR is not entitled to any employee benefits. 7 Initials I ontractor/County P 0293 COUNTY agrees that CONTRACTOR shall have the right to control the manner and means of accomplishing the result contracted for herein. PRINCIPAL TEST. The CONTRACTOR rather than COUNTY has the right to control the manner and means of accomplishing the result contracted for. SECONDARY FACTORS. (a) The extent of control which, by agreement, COUNTY may exercise over the details of the work is slight rather than substantial; (b) CONTRACTOR is engaged in a distinct occupation or business; (c) In the locality, the work to be done by CONTRACTOR is usually done by a specialist without supervision, rather than under the direction of an employer; (d) The skill required in the particular occupation is substantial rather than slight; (e) The CONTRACTOR rather than the COUNTY supplies the instrumentalities, tools and workplace; (f) The length of time for which CONTRACTOR is engaged is of limited duration rather than indefinite; (g) The method of payment of CONTRACTOR is by the job rather than by the time; (h) The work is part of a special or permissive activity, program, or project, rather than part of the regular business of COUNTY; (i) CONTRACTOR and COUNTY believe they are creating an independent contractor relationship rather than an employer-employee relationship; and (j) The COUNTY conducts public business. It is recognized that it is not necessary that all secondary factors support creation of an independent contractor relationship, but rather that overall there are significant secondary factors which indicate that CONTRACTOR is an independent contractor. By their signatures to this Agreement, each of the undersigned certifies that it is his or her considered judgement that the CONTRACTOR engaged under this Agreement is in fact an independent contractor. 16. PUBLICATIONS, MEDIA PRESENTATIONS: The CONTRACTOR agrees that whenever information related to the program funded under this contract appears in the media or in publication, CONTRACTOR will acknowledge the financial support of the COUNTY. 17. AVAILABLE FUNDS: This agreement is valid and enforceable only if sufficient funds are available to the COUNTY for the period covered by the terms of agreement, as specified in paragraph 2, for the purposes of these programs. In addition, this contract is subject to any additional restrictions, limitations, or conditions enacted either by state, federal or County statutes which may affect the provisions, terms or funding of this contract in any manner. 18. MODIFICATIONS AND AMENDMENTS: This Contract shall only be modified or amended by a written document executed by the parties hereto. 8 Initials mI Contractor/County 0294 19. CHOICE OF LAW AND PERSONAL .IURISDICTION [County]: This Contract is made in Santa Cruz County and shall be governed and construed in accordance with the laws of the State of California. Any action relating to this Contract shall be instituted and prosecuted in the courts of Santa Cruz County. 20. NEW OR REVISED FEDERAL AND STATE REGULATIONS: Should Federal or State regulations touching upon the subject of this Contract be adopted or revised during the term hereof, this Contract shall be amended as needed to assure conformance with such Federal or State requirements. 2 1. TERMINATION: This Contract may be terminated in whole or in part for any of the following circumstances: A. Termination for Convenience - Either the County or the Contractor may request a termination for convenience, upon thirty-day advance written notice thereof to the other, or canceled immediately by written mutual consent. B. Termination for Cause - The County, upon written notice to the Contractor, may immediately terminate this Contract, or any separable part performance under this Contract, should the Contractor fail to perform properly any of its obligations hereunder. C. Cessation or Reduction of Funding. [County] Notwithstanding Paragraph 19a. above, in the event that Federal, State or other non-County funding for this contract ceases or is reduced, the County may immediately terminate this Contract without prior written notice to the Contractor. This contract may also require programmatic and funding changes due to new or revised legislative action. Any such changes which are necessary shall be incorporated into the contract. All funding provided by this contract is contingent on the availability of State or Federal funds and continued State or Federal authorization for program activities and is subject to amendment or termination due to lack of funds or authorization. In addition, the County may suspend or reduce its payment obligation to the Contractor for non-compliance with the terms and conditions of the Contract. 22. PRESENTATION OF CLAIMS: Presentation and processing of any or all claims arising out of or related to this Agreement shall be made in accordance with the provisions contained in Chapter 1.05 of the Santa Cruz County Code, which by this reference is incorporated herein. 23. ATTACHMENTS: This Agreement includes the following attachments: Attachment A: Program Responsibilities and Functions Attachment B: Budget 9 Initials lrffsI Contractor/County 0205 SIGNATURE PAGE IN WITNESS WHEREOF, the parties hereto have set their hands the day and year first above written. COUNTY OF SANTA CRUZ By: Human Resources Agency y, Executive Director Address: 1010 Emeline Avenue, Bldg. C Santa Cruz, CA 95060 Telephone: (83 1) 427-5070 Tax ID#: 94-1702678 APPROVED AS TO INSURANCE: BY zoo0 APPROVED AS TO FORM: By:: DISTRIBUTION: County Administrative Office Auditor-Controller County Counsel Risk Management Contractor vclpconO0 10 Initials I C t JLbctor/County 41 029$ EXHIBIT A LITERACY PROGRAM OF THE VOLUNTEER CENTERS OF SANTA CRUZ COUNTY PROGRAM RESPONSIBILITIES AND FUNCTIONS Through its Literacy Program, the VOLUNTEER CENTERS OF SANTA CRUZ COUNTY (CONTRACTOR) shall operate and administer a literacy pilot project which will provide literacy assessment and placement services and language instruction to approximately 30 eligible CalWORKs families per year. CONTRACTOR agrees to adhere to the following provisions: 1). CONTRACTOR, during the term of this contract, shall provide at least 5544 hours of literacy services to CalWORKs participants to assist participants in acquiring language and literacy skills necessary to secure employment or to access employment related training and education. 2). Under the provisions of this agreement, CONTRACTOR shall provide approximately1 584 hours of services to CalWORKs eligible participants in FY 99/00, and approximately 3960 hours of services to participants in FY OO/Ol. For purposes of this agreement, a claimable hour of literacy services may include assessment of functional literacy level, class/small group instruction, one-to-one tutoring, and supervised conversational lab. 3). CONTRACTOR shall assist participants with a variety of literacy services through program activities fully set forth in Attachment 1 to this exhibit. Contractor shall make best efforts to coordinate the services provided through the literacy pilot project with other literacy services delivered by other literacy service providers in, south Santa Cruz County. 4). All services provided pursuant to this agreement shall be provided in south Santa Cruz County and coordinated through the Watsonville One Stop Career Center, and shall be available in both English and Spanish. 5). CONTRACTOR will submit monthly requests for payment which will identify the number of hours of service provided within thirty days after the end of each service month. 6). CONTRACTOR shall provide any monthly, quarterly, and annual statistical, fiscal, and narrative reports to the COUNTY as may be required of other 1 41 0297 EXHIBIT A funding sources, if any, for services provided pursuant to this agreement. 7). CONTRACTOR shall cooperate with COUNTY in securing appropriate data, including client satisfaction surveys, language skill improvement, program completion rates, and employment outcomes in orders to evaluate the effectiveness of the services provides under this contract. 0 CONTRACTOR shall cooperate with COUNTY in the development of a Memorandum of Understanding (MOU) which shall specify working operations and case management coordination between CONTRACTOR and Human Resources Agency program staff. N:\ . . . . HRA\...\VCLPExhibit A.wpd COUNTY 41 ATTACHMENT 1 to EXHIBIT "A" Volunteer Centers of Santa Cruz County Literacy Program 0293 Literacy Services for CalWORKs Clients Pilot Project The Literacy Program will serve at least 30 CalWORKs participants per year in a pilot collaboration with the County Human Resources Agency. During the course of the pilot project (from 2/8/00 - 6/30/01) we will identify the mix of services needed to specifically address the different educational needs and career objectives of the clients referred to us. This proposal offers flexibility in the design of services as the project assesses the educational needs of the clients. The pilot program will operate in South County and be executed in close cooperation with the Watsonville One-Stop Career Center staff and center. This pilot will identify and serve CalWORKs participants for whom low literacy and English competency levels are barriers to employment in the following ways: 1. Participant Intake A. Through their Case Manager (Employment & Training Specialist) We will work closely with the Career Works Staff to offer all CalWORKs case managers briefings about our services, information about how to direct potential students to us and the schedule for upcoming classes. Literacy Program staff will make sure all Employment & Training Specialists are made aware of special classes, opportunities for assessment, and drop in labs times by: 1) sending Literacy Program staff to all monthly Operations Management Team Meetings as appropriate; and, 2) posting flyers at the One- Stops and distributing memos to One-Stop staff. B. Through active promotion of our services at the One-Stops & in the Community The Literacy Program will participate with the One-Stop staff in recruiting CaIWORKs for our classes: 1) directly from the community - via notices accepting referrals from our contact agencies, flyering in the community, etc., and, 2) by posting information (in English & Spanish) in the resource library at the One-Stop and with other agencies there as appropriate. We will add questions to our student intake form that will help us identify CaIWORKs participants eligible for these services. 2. Student Assessment and Placement A. Assessment Our Student Intake & Placement Coordinator will be bilingual in English and Spanish, trained to properly assess students in functional literacy levels using standardized adult learning materials, and able to administrate the necessary CASAS tests on site. Students referred to us will receive a comprehensive learner assessment that covers language and literacy skills within 2 weeks of referral to the program, and will be periodically reassessed to measure progress. Student portfolios will be shared with the student and CalWORKs staff as appropriate. B. Appropriate Placement For students to be placed appropriately in our workforce literacy and other providers' classes the Intake Coordinators will need to, in communication with the client's case manager, evaluate the potential student's: 1) level of education in their primary language, 2) their literacy skill levels in English (based on how they test), and 0299 3) their career interests and ultimate goaIls. Our Intake & Placement Coordinator can help clients set a realistic plan that will move them toward long term goals by engaging them in a series of shorter, goal focused educational services. We will place CalWORKs clients with a tutor or in a class within 30 days of referral, and will help them develop a tailored learning plan in coordination with their Case Manager. C. Scheduling Clients will be prioritized by consideration of need and time limitations as directed by CalWORKs staff. Literacy Program staff will facilitate coordination between ail agencies involved (CalWORKS, our agency, Regional Occupations Program and Adult Ed) to see that class timing and student registration and follow- up is accomplished smoothly. 3. Menu for Individualized Learning Plans Our goal is for each learner to get personalized instruction, and to be able to create a plan that works for them. By moving through these various components of the program, students will set and achieve meaningful short term goals - such as completing a 16 week class, or moving from beginning to intermediate levels in basic ESL Literacy with their tutor - that move them towards their ultimate career goal. A. Classes/Small Group Instruction Classes meet 2x per week for 16 weeks, 3 hours each session. We will determine the frequency of each ofleering as the year progresses based on student interest and need. All classes will include non- CalWORKS participants, but CalWORKS participants will be given priority placements. . Basic ESL for Beginners Offered as needed at the Literacy Program Learning Center. Taught by volunteer tutors. . Home & Institutional Care & Maintenance for Beginning ESL learners 1 or 2 classes to be offered the first year. Will be taught by Literacy Program paid Instructors, at the One-Stops if possible. . Introduction to Health Care Careers 1 or 2 classes to be offered the first yearWill be taught by Literacy Program paid Instructors, at the One-Stops if possible. . CNA (Certified Nursing Assistant) Pre-Certification Several classes will be offered during the year by the ROP or Adult Ed. We will offer the one-on- one tutoring and language labs which will enable low literacy CalWORKs clients to succeed in these classes and pass their CNA exam. We will publicize upcoming schedules and facilitate CalWORKs student enrollment with other providers. B. One-to-One Tutoring Tutoring takes place concurrent to, or independently of, classes, 2x per week for I to 1.5 hours each session. . Literacy Program volunteer tutors will be trained and matched with CalWORKs clients enrolled in classes or who need basic ESL help. . Tutors meet students at their homes, at the South County Literacy Program site or another location convenient to them. . Tutors will help students practice their conversation and listening skills, and go over their classwork using role playing, practice conversations and clap the stress techniques. C. Supervised Conversational Labs I-2 hour Labs for students who need extra help with their conversation and workforce vocabulary skills will be offered weekly on a drop in basis at the Literacy Program Site. . Labs would be guided by Literacy Program tutors in a ratio of 1 tutor to every 4 or 5 students. page 2 of 3 41 0300 D. Self-Study Audio/Visual Labs Tave vlavers and head sets at the One Stops will enable students to drop in and listen to ProSeries learning t$es'fo; additional practice in accent reduction and vocabulary. E. Homework Class instructors will give students 2 hours of homework each week. . Homework may include work preparation and research, writing and reading assignments, or use of language labs. 4. The Literacy Program Pilot Project Shall Evaluate Outcomes by Measuring the Following Indicators: A . The Literacy Program will monitor: 1) Plan completion - number of students assessed and learning plans completed 2) Skill level improvement - as measured by pre and post tests 3) Number of students comlpeting a career focused class B. CalWORKS will monitor: 1) Participants obtaining employment page 3 of 3 0301 Exhibit B LITERCY PROGRAM OF THE VOLUNTEER CENTERS OF SANTA CRUZ COUNTY PILOT PROJECT BUDGET _._. _. ,. ., ., Item FY 99/00 N W/O1 Totals 2JSJOO-6/30/01 Hours of 1584 3960 5544 Literacy Services (Units 0c Service) Cost per Service Unit $16.23 $16.23 Annu,~l,%'qst* $30,000 $60,000** $90,000 * Rounded **Projected. Actual budget amount for FY OOiOl shall be established at the beginning of the fiscal year based on prior year usage. 41
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September 20, 2011
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ICSC calls for physical and on-line retailing fairness
By Bertrand Courtois Suffit, Chair of the ICSC European Public Affairs Committee Without physical stores, would retailers sell so much on-line? And what will the move to purchase on-line mean for employment across Europe? These issues are being debated heatedly across the region as shopping centre asset managers and retailers see the traditional…


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Area grain elevators packed to the max
Harvest just began and yet area grain elevators are being stuffed full.
Jim Bobb, Southwest Grain division manger, said he hasn't seen a crop this large in the 27 years he's worked for the company.
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Welcome to our 1st corporate sponsor for 2015 at the $800 level, Advantage Storage of Rowlett! Please show them your appreciation of their support of our community and consider them for all of your storage needs!
Just minutes from downtown Rowlett, we are a state-of-the-art facility located at 5200 Lakeview Parkway right next to Discount Tire. President George Bush Highway allows easy access to our property from anywhere in the NE Metroplex. We have controlled access gates, experienced on-site managers, and 16 video cameras keeping the entire property under surveillance 24 hours a day. You can access your storage unit 7 days a week between the hours of 6am and 9pm. Our storage facility is completely enclosed and all one story so there are no elevators or stairs to climb. All of our storage rentals are month-to-month, so there's no long-term commitment. We charge a one-time admin fee, we do not require a security deposit, and you furnish your own lock. We conveniently sell reasonably priced locks and a large variety of packing and moving supplies in the office. Our storage units range in size from 5'x5' to 10'x30' featuring both climate-controlled and non-climate controlled units. The uncovered parking areas are offered in 2 different sizes. We invite you to stop by at your earliest convenience and take a tour of our facility. This will help our experienced staff to determine the best size unit to fit your needs for a stress free move.
Electronic Recycling Roundup and Document Shredding Event - NEW LOCATION - ROWLETT HIGH SCHOOL PARKING LOT October 25, 2014 Are you ready to get space at home by getting rid of your old, outdated, electronics? Bring them to us! Any items that you drop off will be reused, recycled, or safely disposed of. Acceptable items include printers, copiers, phones, fax machines, computers, monitors, scanners, TVs, games, batteries...and much more! Almost anything that runs on electricity. We are also collecting eyeglasses.There will be an onsite, mobile, document shredding truck sponsored by Atmos Energy, so bring all of those old files and papers that have been stacking up (first 3 file boxes free, $3 per box thereafter, 7 box limit). Please, no magazines or newspapers. A drop off location will be set up in Rowlett High School parking lot. For information, contact Keep Rowlett Beautiful at firstname.lastname@example.com.
KRB Awards Neighborhood Grant
Congratulations to Sherri Jones and all of the volunteers who worked so hard to beautify the University Place Neighborhood Entryway in Rowlett. This group raised over $2,000 for their project and received a $1,000 Entryway Grant from KRB Neighborhood Beautification Grant Committee Chairperson, Zabrina Martinson, in recognition of their efforts. Sherri says that they plan to use the grant money to maintain and even expand their project. Great job, University Place!
For more than two decades, Keep Texas Beautiful, in partnership with the Texas Department of Transportation (TxDOT), has awarded the prestigious Governor's Community Achievement Awards (GCAA) to ten Texas communities with the best grassroots environmental programs in the state each year.
The competition distributes $2 million in funding from TxDOT across the ten communities, with the amount based on population size. The funds are used for landscaping projects along local rights-of-way. A community's environmental program is judged on achievements in seven different areas: community leadership and coordination, public awareness, education, beautification and community improvement, litter prevention and cleanup, solid waste management and litter law and illegal dumping enforcement.
On June 24, 2014, Keep Rowlett Beautiful will receive the $250,000 award as first place winner in Category 7 at the Keep Texas Beautiful Annual Conference in Austin, TX.
Schrade Middle School Plants Lowe's Demonstration Garden
On November 16, 2013, Schrade Middle School science teacher, Paul Reyna, his students, Lowe's Heroes, and Keep Rowlett Beautiful volunteers planted a native, adaptive, and drought tolerant Demonstration Garden on the Schrade campus, made possible by a grant provided by Lowes through Keep Texas Beautiful. The demonstration garden is the latest addition to Mr. Reyna's outdoor environmental learning center at Schrade. Students and Rowlett citizens alike are invited to go by and check out this beautiful garden. Who knows, you may even pick up a few ideas for plantings in your own garden! If your group or club would like to schedule a tour of the garden, just give us a call at Keep Rowlett Beautiful, 9am-1pm, M-F except holidays. Contact: Martha Brown, 972-463-3929.
Stage 3 Water RestrictionsCity of Rowlett Water Management Plan requirements:
* Waterview Golf Course utilizes untreated water from a separate City of Dallas (Lake Ray Hubbard) agreement and will not be subject to Stage 3 Water Restrictions.
Is your organization, family, neighborhood, school, club, Scout or church group looking for a way to give back to the community?
As our City grows, volunteers are needed more than ever to help keep Rowlett CLEAN and GREEN!
We would love to have you come by and visit with us about our Adopt-A-Road program. Together, we can make a difference!


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PHILADELPHIA, PA – The Chestnut Hill College SPSA (Student Political Science Association) will be hosting a "Super Tuesday" event that includes voter registration and activities for the surrounding community from noon to 9 p.m. on Tuesday, February 5, in the Social Room of Fournier Hall. The College is located at 9601 Germantown Avenue in Philadelphia. Voter registration will take place throughout the day until 9 p.m. Activities for the day include:Noon-2:15 p.m.-Voter registration and online quiz: "Are you a Conservative, Liberal, or Moderate?" Clips will be shown from The Daily Show's Indecision 2004. 2:30-5:00 p.m. - A showing of Primary Colors (1998: John Travolta, Emma Thompson, Billy Bob Thornton) 5:00-5:30 p.m. – Quiz Show: "How well do you know the primary candidates and previous presidents?" 6:00-8:00 p.m. – Live Music, including the cast of the Chestnut Hill College production of Charlie Brown, the CHC Pep Band, and an open mike. 8:00-9:00 p.m. – Watch early Super Tuesday election results with expert commentary from Phil McGovern, adjunct professor of political science at Chestnut Hill. Results from the student mock election will be announced, and refreshments will be served. All events are free and open to the public. For more information, please contact Jacqueline C. Reich, Ph.D., at 215.753.3630 or e-mail firstname.lastname@example.com
Chestnut Hill College celebrates its third annual Forgiveness Day by welcoming Shujaa Graham, board member of the Witness to Innocence Project, to speak on issues of racism, gang violence, the criminal justice system and his own life experiences.
CHC will host an Information Session about our Montessori Early Education Teacher Training programs on Sunday, April 12 at 1:00. The Program Director, faculty, and admissions staff will be there to explain the curriculum and entrance requirements. The Montessori certificate courses can be taken for graduate credit with a Master's Degree in Education or without the M.Ed. Applicants also may choose to earn the certificate through non-credit workshops. Register today or, if you have questions, contact Amy Boorse at firstname.lastname@example.com or 215.248.7097. Submit the one-page application form and the $55 fee will be waived!


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This isn't, it turns out, the usual once upon a time, but a story about the unknowns that can swallow us up.
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If there's a low-key disappointment to Vic and Flo, it's that the film teases the mind and pleases the eye without requiring emotional commitment.


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Monday 6th April will be the last day of service for Bistrot Bruno Loubet.
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I am a happily married thirty-something.... currently living in Northern Colorado, but originally from Texas. I am an "oil brat" and grew up overseas. I LOVE to travel and my husband and I get out and about as often as we can. :)
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Little Italy Arch Unveiling Celebration
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Come celebrate Little Italy San Jose with a Gala Celebration under the evening stars! This event will feature music by Italian Tenor Pasquale Esposito & Band. The Gala Celebration includes a Four-Course Italian Dinner with Fine Wines, a Live Auction, Costumed Performers and Renaissance & Venetian-themed Decorations.
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Posted by Lisa on Wednesday, March 23, 2011 at 11:51pm.
to get the resultant or the total distance, we use distance formula:
d = sqrt[ (x2-x1)^2 + (y2-y1)^2 ]
(x1,y1) is our reference/starting point, and
(x2,y2) is the final point
assuming our reference point is at the origin which is at (0,0)
d = sqrt[ (x2)^2 + (y2)^2 ]
d = sqrt[ (19)^2 + (-32)^2 ]
d = 37.22 km
*note: we use -32 since it is travelling south/downward direction
getting the direction: let theta = angle from x-axis measured counterclockwise,,
tan (theta) = y/x
tan (theta) = (-32)/19
theta = -59.3 degrees
*note: the negative sign means opposite direction, or it is rotated clockwise
since we need the angle to be relative to south/y-axis,
90 - 59.3 = 30.7 degrees from south
thus distance = 37.22 km , 30.7 degrees from south
hope this helps~ :)
Thank you so much! This definitely helped! =)
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... we are traveling south, but you can't be sure where our plane is coming from and how many flights were backed up from the cancelations. More storms are due tomorrow and much colder weather. Today was the window of opportunity!
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The relationship you have with your Mother is one of the most profound relationships you will have in life. Sometimes anger, resentment and sadness from the past will harbor inside of you and carry over to other relationships. It can set the tone for how you function in this relationship and in other aspects of your life.
Borrowed Time is a true, honest, and heartfelt account of how a daughter�s
life changed after experiencing the death of her sister and later caring for her terminally ill Mother. You can learn a lot from death. Validating one�s life is what truly matters to a dying person. After reading, her Mom�s diary this daughter was able to heal their tumultuous relationship. This is a story about communication, reconnecting, love, and healing from past relationships. Borrowed Time is a story that will inspire you.
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Borrowed Time
Borrowed Time
In Borrowed Time, the latest novella from author MJ Daley-Prado, the dedication reads, �For families near and far�don�t wait until it�s too late.� This is poignant advice from someone who has lost both her sister and mother to cancer in the past twelve years.
Daley-Prado describes her relationship with her mother through the teen years and into adulthood as changing to the point that Daley-Prado questioned whether her mother loved or even liked her. As for so many of us, only when Daley-Prado became a mother herself did she begin to understand how difficult parenting is. Lack of communication, remaining sadness, and resentment lingered and continued to strain mother/daughter relations.
It wasn�t until the death of her sister that Daley-Prado and her mother found a commonality. The pair began to understand one another and became friends while helping each other overcome the devastating grief. Shopping, lunches, and even laughter became medicine for their shared pain.
Just as Daley-Prado and her mother began to get their lives on track, tragedy struck the family again when her mother was diagnosed with terminal cancer. After the diagnosis, Daley-Prado brought her mother home for whatever time was left. During those last few weeks, mother and daughter were able to connect on a level beyond anything previously possible. Her mother�s life was validated and there was a sense of closure.
This story had a profound meaning for me, having lost my mother to cancer only five months previous to reading Borrowed Time. Despite not being able to say goodbye or how much I loved her, reading about Daley-Prado�s fortunate blessing of reconnection and closure helped me to understand the relationship I had with my Mother. The message in these three dozen or so pages is clear. Life is short�take the time necessary to mend relationship fences to find peacefulness in one�s heart�before it is too late.
Borrowed Time is a must read for anyone who has recently lost a parent or has suffered the news of a terminally ill loved one. I also highly recommend it to those struggling with strained familial relationships. 5 Stars
By WR Potter for Reader�s Choice reviews.
Borrowed Time
�Borrowed Time� is a short but sweet account of the strong lesson the author learned of life and death, and the insecurities of growing up, especially the challenges of being a middle child. MJ tells of the struggles when losing her younger sister to cancer, then facing the same painful experience when losing her mother. However, through the dark shown the light. A once strained relationship was healed and her faith in God and the afterlife were empowered. This is a must read!
Though the players and situations were different, I could definitely relate to some portions of this book. Though I can�t say as I agree with the price tag this short book will carry, it would definitely be worth the read. Very touching.
5 stars--GhostWriter Literary Reviews
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