SVL MVL 2015 Fall Home
-
Upload
nccscribdlogin -
Category
Documents
-
view
224 -
download
0
Transcript of SVL MVL 2015 Fall Home
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 1/16
Xbptbicbr 34, 3562
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 2/16
3 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
L-=5 E Bxlt 6=0 lo Xtftbsvljjb / 45=-148-3<55www.kutmkkr-wlhnbr.hki / www.bjjbocurds.hki
Bom k` XbfskoHJBFSFOHB dklod ko OKT!Lo stkhn ibrhafomlsb KS Xpbhlfj Krmbrs
XFPB fo fmmltlkofj 65% - 85%!
2L` ckkts, f wfri aft fom f
tuobm-up sokw cjkwbr frb
tab kojy ltbis ko ykur wlotbr
prbpfrftlko jlst, ykur akib
iflotbofohb pjfo ify obbm f
ifnbkvbr.
]absb slipjb akib iflotbofohb
prkgbhts hfo abjp jkwbr ykurbobrdy cljjs, prbvbot ikrb hkstjy
rbpflrs fom/kr lohrbfsb tab
jl`bspfo k` ykur akib.
6. Abftlod &
PbotljftlkoBxfilob ykur strbpjfhb fom
halioby systbi tk bosurbtaft ok skkt kr hrbksktb afs
hkjjbhtbm. Foy hrfhns kr vklms
hkujm pktbotlfjjy hfusb f strb.
Cb`krb yku turo tab `urofhb kr
ckljbr ko, rbpjfhb tab flr stjtbr
fom alrb f prk`bsslkofj tk lospbht
tab uolt ikrb takrkudajy. ]absb
stbps wljj liprkvb tab b`sthlbohy
fom jl`b k` ykur `urofhb fom wljj
bosurb stfcjb lomkkr flr qufjlty.
3. Xbfj Tlomkws
fom MkkrsL` okt prkpbrjy sbfjbm, wlomkws
fom mkkrs hfo cb f ifgkr hujprlt
`kr abft jkss. ]k nbbp tab wfri
flr loslmb, lospbht tab wbftabr-
strlpplod frkuom ykur akib“s
wlomkws fom mkkrs `kr jbfns,
rkt kr mbhfy. Sbpflr kr rbpjfhb
struhturfj `rfilod, fom hfujn
loslmb fom kut, l` obhbssfry.
8. Losujftb wbjjKob k` tab bfslbst fom ikst
b``bhtlvb mb`bosbs fdflost abft
jkss ls prkpbr losujftlko. Urbvbot
hkjm mrf`ts `rki botbrlod fom
tab jkss k` abftbm flr tarkuda
cfsbibot abfmbrs, walha, wabo
jb`t bxpksbm, hfo ifnb ykur
`urofhb wkrn afrmbr.
Jkkn `kr f iklsturb-rbslstfot
prkmuht k``brlod alda tabrifj
pbr`krifohb, suha fs Skxuj
Hki`krtcftt losujftlko. ]als
typb k` ilobrfj wkkj losujftlko
ifnbs lostfjjftlko slipjb. Fjjtaft“s obbmbm ls f sbrrftbm cjfmb
kr crbfm nol`b. Hut tab cftt
tk stt tab hfvlty fom prbss lotk
D
B ] \ K R S A
K I B
@ F J J & T L O
] B S
TltaXLIUJB USKGBH]X! S
B F M
\
pjfhb. ]ab losujftlko wljj abjp
liprkvb bobrdy b`sthlbohy fs
skko fs lt“s lo pjfhb fom prkvlmb
sfvlods kvbr tab jl`btlib k` ykur
akib. Hki`krtcftt hfo fjsk cb
usbm tk tkp kr rbpjfhb kjm fttlh
losujftlko. Fli `kr fo S-25 kr f
mbpta k` 60 lohabs.
=. Cfhnyfrm Hfrb
Xfvb ykur prkpbrty `rki
pktbotlfj mfifdb cy trliilod
kvbrdrkwo trbbs fom sarucs
Uvotfv ioooh sv ausom v l`b y a.
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 3/16
XBU]BICBS 34, 3562 • 8Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
tk prbvbot lhb-jfmbo
crfohabs ̀ rki
tarfsalod fdflost
bjbhtrlhfj wlrbs fom ykur
akib“s bxtbrlkr. Mrflo/ saut k`` foy bxtbrlkr
`fuhbts fom sprlonjbr
systbis tk prbvbot
`rbbzlod. Bosurb rflo
kr sokw mrflos fwfy
`rki tab akusb tk fvklm
`kuomftlko prkcjbis.
2. Skk` fomDuttbrsLospbht ykur rkk`
`kr salodjbs taft frb
wfrpbm, mfifdbm
kr bvbo ilsslod tk
prbvbot f `uturb jbfn.
Rsb rkkstod hbibot
fom f hfujnlod duo tk
sbfj gklots wabrb wftbr
hkujm pbobtrftb, suha
fs frkuom tab halioby,
snyjldats kr vbot plpbs.
Ifnb surb taft ykur
duttbrs fom mkwospkuts
frb sbhurbjy ̀ fstbobm.
Mkwospkuts sakujm
bxtbom ft jbfst stvb `bbt
fwfy `rki tab akib tk
prbvbot ffikkmlod.
Tabo lt hkibs
tk prbvbotftlvb
iflotbofohb, f jlttjb
tlib fom b``krt hfo sfvb
takusfoms lo bobrdy
hksts fom rbpflr cljjs
kvbr tab jl`btlib k` ykur
akib.
-Ibtrk Hrbftlvb
Hkoobhtlko
ULOBORDDB]X
Ilol kr Jfrdb
XASRCCBS\
]SBBX
ULOBOBBMJBX
$8.42/cfjb
X]SFT
JLIB
IRJHA
SbmCrkwo • Cjfhn
Ulob Cfrn Mkucjb
Afiibrbm
]BOOBXXBB
X]KOB
6-8’3-2’
XKLJ/XFOM
Xhrbbobm ]kpsklj
Sbm Ikrtfr Xfom
Dfrmbo & DrfssCjbom
Taltb Cbfha
Xfom
662< Slvbr Awy, Ikkrbsvljjb OH
www.JfnbOkrifoJfwoXhfpbXuppjlbs.hki
Cujn Xhrbbobm]kpsklj fom
IujhaMbjlvbrbm
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 4/16
= • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
Xk`t ]lssub fom Krtakpbmlh•
XurdbryHkipjbtb Mbotfj Hfrb•
Dbrlftrlh Hfrb•
Obw Uuppy & Nlttbo•
HkosujtftlkosLotbrofj Ibmlhlob Xbrvlhbs•
Bxktlh Ubt Ibmlhlob fom•
XurdbryHkipfsslkoftb Hfrb•
Dbotjb fom Jkvlod•
BovlrkoibotCkfrmlod @fhljltlbs•
Mr. ]brrl J. Akrtko Mr. A.K. Jyob, LP
Tb lovltb yku fom ykur pbts tk cbhkib pfrt k` kur FodbjHfrb @filjy
Ikomfy ‘ @rlmfy 4785 FI-2785UI
Xfturmfy 1755 FI ‘ 63755UI
Hjksbm Xuomfy
45=-148-2=26
www.fodbjhfrbvbt.hki
Akibkwobrs wak afvb mbfjt
wlta losbht lo`bstftlkos nokw
taft bvbo tab sifjjbst hrlttbrs
hfo ifnb `kr `krilmfcjb `kbs.
F slodjb losbht ildat okt sbbi
jlnb f sucstfotlfj prkcjbi, cut
suha uolovltbm dubsts afvb ftbombohy tk iujtlpjy, qulhnjy
cbhkilod f prkcjbi `kr jbss
prkfhtlvb akibkwobrs.
Xuha ls tab hfsb wlta `rult ffilbs.
]akuda sifjj lo stfturb, `rult
ffilbs hfo prkvb f pbsny, `kkm-
hkotfiloftlod oulsfohb. Fs
tablr ofib lipjlbs, `rult ffilbsfrb fttrfhtbm tk rlpbolod `rults,
walha sbrvb fs f `kkm skurhb
fom f crbbmlod drkuom. @rult
ffilbs fjsk crbbm frkuom dfrcfdb
mlspksfjs, mrflos fom dfrcfdb
hfos waljb `fhljltftlod tab
trfosilsslko k` cfhtbrlf taft hfo
prkvb afri`uj tk auifo abfjta.
@krtuoftbjy, akibkwobrs
hfo bipjky f hkicloftlko k`
strftbdlbs tk `bom k`` `rult ffiy
lo`bstftlkos cb`krb taby tfnb
rkkt.
6. Jkhftb fom bjliloftb
pktbotlfj crbbmlod drkuoms.
@rult ffilbs frb sbbo swfrilod
frkuom trfsa hfos fom frbfs
wabrb `kkm afs cbbo jb`t kut.
Fhhkrmlod tk ]BSSK¨, fo
lomustry jbfmbr lo ML\ pbsthkotrkj prkmuhts, `rult ffiy
pkpujftlkos tbom tk cb drbftbst
murlod tab suiibr fom `fjj
ikotas, wabo taby lo`bst `rults
murlod tab afrvbst sbfsko. Ufy
pfrtlhujfr fttbotlko tk trfsa
hkotflobrs murlod tabsb tlibs
k` ybfr, mlshfrmlod trfsa ikrb
`rbqubotjy l` obhbssfry fom
ifnlod surb fjj trfsa hfo jlms
frb tldatjy hjksbm. Lo fmmltlko,
pjfhb rlpbobm `rults fom
vbdbtfcjbs lo tab rb`rldbrftkr
murlod tabsb tlibs k` ybfr.
3. ]rfp ffilbs cb`krb taby hfo
crbbm fom iujtlpjy. @bribotlod
`rult kr iklst krdfolh mbcrls
ls obhbssfry tk hkipjbtb tab`rult ffiy jl`b hyhjb. ]BSSK¨ @rult
@jy ]rfps, walha jfst 85 mfys,
bipjky f oko-tkxlh, `kkm-cfsbm
@SRL] @J\ LOPFXLKO
A K
T ]
K @ B O M
K @ @ F
@l @ rp h abwr of olrkcjifl l o`bstflo i my.
jlqulm jurb tk fttrfht fom trfp
`rult ffilbs.
Kohb loslmb, `rult ffilbs hfookt
bshfpb, bjliloftlod tablr hafohb
tk crbbm fom iujtlpjy. Cb`krb
pjfhlod trfps, pfy fttbotlko
tk wabrb `rult ffilbs tbom tk cb
ikst prkcjbiftlh fom pjfhb
tab fppjb-safpbm trfps lo taksb
frbfs. ‚]ab nby tk suhhbss̀ uj
bjliloftlko k` `rult ffilbs ls tk
jkhftb tablr crbbmlod skurhb fom
pjfhb tab ]BSSK @rult @jy ]rfp
obfrcy,’ sfys ]BSSK¨ Mlrbhtkr
k` Sbsbfrha Xtbw Hjfrn. ‚Jkkn
`kr `rult ffiy skurhbs lo frbfs
wabrb uorb`rldbrftbm `rults
fom vbdbtfcjbs frb stkrbm, obfr
dfrcfdb hfos fom rbhyhjlod clos.’
Kohb yku lmbotl`y pktbotlfj
crbbmlod drkuoms, fhtlvftb tab
fppjb-safpbm trfp cy pujjlod
tab jbf`-jlnb jlm `rki lts cfsb
fom pkurlod tab jlqulm jurb lotk
tab vfpkr haficbr. Nbbp tab jlm
kpbo waljb tab trfp ls lo usb, fom yku sakujm oktlhb f sldolsthfot
mbhrbfsb lo tab ouicbr k` `rult
ffilbs wltalo f `bw mfys.
8. Nbbp f hjbfo akib. Hjbfo
akibs, fom tlmy nlthabos lo
pfrtlhujfr, frb jbss jlnbjy tk
cb kvbrhkib wlta `rult ffiy
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 5/16
XBU]BICBS 34, 3562 • 2Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
lo`bstftlkos. F`tbr hkknlod
ibfjs, cb surb tk hjbfo fjj
sur`fhbs wlta walha `kkm afs
hkib lo hkotfht. Hjbfo foy
spljjbm mrlons, slohb swbbt
fom stlhny cbvbrfdbs jlnbskmf fom wlob jurb `rult ffilbs.
Lt“s fjsk lipkrtfot tk nbbp
hjbfolod iftbrlfjs, suha
fs ikps fom mrflos, hjbfo,
slohb `rult ffilbs hfo hkotloub
tk crbbm lo skljbm ikps fom
mlrty mrflos.
]akuda sifjj lo stfturb,`rult ffilbs hfo prkvb afri`uj
tk auifo abfjta, sprbfmlod
cfhtbrlf waljb fjsk sbrvlod
fs f pbsny oulsfohb. Cut
waljb ifoy ildat sbb `rult
ffilbs fs fo lobvltfcjb slmb
b``bht k` wfribr wbftabr,
tabsb uolovltbm dubsts
hfo cb qulhnjy fom bfsljy
bjliloftbm.
-Ibtrk Hrbftlvb Hkoobhtlko
Fjtakuda Kntkcbr`bst krldloftbm lo Iuolha, Dbrifoy, Kntkcbr`bst hbjbcrftlkos okw tfnb pjfhb fjj kvbr
tab djkcb. ]aby frb f hafohb tk bogky tab bfrjy futuio wbftabr wlta iuslh, `kkm, botbrtfloibot fom,
k` hkursb, Dbrifo cbbr.
Kntkcbr`bst ls f 60-mfy `kjn `bstlvfj taft cbdlos ft tab bom k` Xbptbicbr fom ruos tarkuda tab strst
wbbn k` Khtkcbr. Skudajy slx iljjlko pbkpjb trfvbj tk Dbrifoy bfha ybfr tk pfrtlhlpftb lo tab k`sthlfj
Kntkcbr`bst, waljb ifoy ktabrs fttbom `bstlvltlbs hjksbr tk akib. Taljb ifoy pbkpjb frb `filjlfr wltatab `kkms, cbvbrfdbs fom pfdbfotry k` Kntkcbr`bst, taby ify okt cb sk surb k` Kntkcbr`bst“s krldlos.
Fhhkrmlod tk Alstkry.hki, tab strst Kntkcbr`bst tkkn pjfhb ko Khtkcbr 63, 6165, wabo Cfvfrlfo Hrkwo
Urlohb Jkuls, jftbr tk cb nokwo fs Nlod Jkuls L k` Cfvfrlf, ifrrlbm Urlohbss ]abrbsb vko Xfhasbo-
Aljmcurdafusbo. ]ab hltlzbos k` Iuolha wbrb lovltbm, fom tab `bstlvltlbs wbrb abjm ko tab stbjms lo
`rkot k` tab hlty dftbs. Akrsb rfhbs tkkn pjfhb fom bvbotufjjy hkohjumbm tab `bstlvltlbs, ckta ft tab hlty
dftbs fom bjsbwabrb fhrkss Cfvfrlf. ]ab `bstlvfj fom akrsb rfhbs wbrb abjm kohb fdflo tab `kjjkwlod
ybfr, dlvlod rlsb tk tab trfmltlko k` Kntkcbr`bst. ]k lohrbfsb tab pktbotlfj `kr `uo fom tfnb fmvfotfdb k`
jkodbr mfys, tab bvbot wfs bxpfombm `rki kob mfy tk f `bw wbbns, strbthalod tarkuda Xbptbicbr fom
lotk Khtkcbr.
]ab trfmltlko-rlha akrsb rfhb
ok jkodbr tfnbs pjfhb fom afso“t
`kr ikrb tafo 25 ybfrs. Cut tab
`bstlvb ftikspabrb stljj prbvfljs.
Audb tbots frb brbhtbm tk
fhhkiikmftb tab jfrdb hrkwms.
Xlohb 6<25, tab trfmltlkofj `bstlvfj
kpbolod afs cbbo f twbjvb-duosfjutb fom tab tfpplod k` tab strst
nbd k` Kntkcbr`bst cbbr ft 63755
cy tab Ifykr k` Iuolha wlta tab
hry ‚zfp`t ls!’ (‚Lt“s tfppbm!’).
Iljjlkos k` pbkpjb pfrtlhlpftb
lo Kntkcbr`bst hbjbcrftlkos. Fo
fcuomfohb k` `kkm fom iljjlkos
k` jltbrs k` cbbr frb fvfljfcjb tk
boafohb tab `uo.
-Ibtrk Hrbftlvb Hkoobhtlko
]AB KSLDLOX K@ KN]KCBS@BX]
]rlvlf Vubstlko7 Akw ifoy hkuotlbs ckrmbr Lrbmbjj Hkuoty fomwaft frb taby; Biflj ykur foswbrs tk BxhbjHkotbstEdiflj.hki fom
yku wljj cb botbrbm lotk f mrfwlod `kr f $25.55 Dfs Hfrm!
Jlst ykur prkpbrty wlta Uftrlhn Cfooko fom Nli Urlvbttb, k` Bxhbj Sbfj BstftbDrkup fom sfvb 6%+ ko tab hkiilsslko tk sfjb ykur prkpbrty.
@ujj Xbrvlhb Jlstlod wlta audb sfvlods.
Hfjj Uftrlhn kr Nli tkmfy fom murlod kur loltlfj hkosujtftlko k` ykur akib, jbfro ikrb fckut sfvlod 6% kr ikrb ko ykur jlstlod.
UftrlhnCfooko
TLO f $25 Dfs Hfrm!
45=-052-1608 45=-=84-=461
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 6/16
0 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
FTFSMBM 3562 IKX] BOBSD\
B@@LHLBO] TLOMKT!
$655.55 K@@ BFHA TLOMKTHFJJ @KS MB]FLJX. BQULSBX </85/62
@lofohlod Fvfljfcjb
D&X DRFSFO]BB \ku hfo okt stom f
cbttbr wlomkw `kr jbss
Ifoy hustki hkjkrs& kptlkos & sbj` hjbfolod djfss
• Tlomkws• Mkkrs• Xlmlod• Ok Hjkd Duttbrs• Xuorkkis/Xhrbbo Skkis• Mbhns & Sfljlods
JBF@ XKJR]LKO @lofjjy f Duttbr Xystbi taft wkrns!
‚L afvb skjm f jkt k` duttbr systbis tab pfst 82 ybfrs fom tals ls tab cbst ko tab ifrnbt’
-Dbkrdb Xuirkw,Kwobr k` D&X Hkotrfhtlod Loh.
Hkibhbjbcrftb D&X
Hkotrfhtlod Loh.“s82ta Foolvbrsfry
Ufrty -Khtkcbr 0ta E
=UI
UrlhbIftha
Dufrfotbb
$255.55 K@@ 355@] K@ JBF@ XKJR]LKO
Bxtbrlkr Sbokvftlkos Xpbhlfjlsts• Jkhfj @filjy Kwobm Hkipfoy Xlohb 6<15
• 8 ]lib Oftlkofj Fwfrm Tloolod Hkipfoy
• F+ CCC Sftlod Xlohb 6<10
• @lofohlod Fvfljfcjb
45=-008-4683www.dfomshkotrfhtlod.hki
4=3- Okrta Crkfm Xtrbbt, Ikkrbsvljjb, OH 31662
D&XHKO]SFH]LOD, LOH
2
Futuio ls upko us, fom wltatab hafodb k` sbfskos hkibs
tab `fjj tk-mk jlst taft iust cb
hkipjbtbm cb`krb tab frrlvfj k`
wlotbr wbftabr. Ifoy kutmkkr
gkcs frb cbst hkipjbtbm cb`krb
tbipbrfturbs mrkp, waljb ktabrs
hfo cb tfhnjbm lomkkrs tk abjp
sfvb bobrdy fom prbpfrb `kr
lohrbfsbm tlib spbot loslmb tabakib.
Kutmkkr Hjbfoup Futuio ibfos jbfvbs frb
`fjjlod `rki trbbs fom jlttbrlod
jfomshfpbs. Hjbfolod up jbfvbs
hfo cb f tlib-hkosuilod tfsn,
cut lt“s obhbssfry tk prkiktb tab
abfjta k` jfwos fom ktabr pjfots.
Drfss taft ls hkipjbtbjy ifttbm
mkwo wlta jbfvbs hfo cbhkib
stfrvbm `kr jldat fom iklsturb,
fom jfwos ify bvbo rkt wabo
`krhbm tk spbom wlotbr cbobfta
`fjjbo jbfvbs.
Kob bhk-`rlbomjy tlibsfvbr ls
tk sarbm jbfvbs wlta f ikwbr (f
ifoufj ikwbr ls prb`brfcjb) fomjbfvb tabi fs tkpmrbsslod `kr tab
jfwo. Fs jkod fs tab drfss cjfmbs
hfo cb sbbo wltalo tab jbfvbs, tab
@KS FR]RIO B F S ] A - @ S L B O M J \
] L U X
jfwo sakujm cb stob. Xarbmmbmjbfvbs wljj mbhkipksb fom fmm
obhbssfry outrlbots fom krdfolh
ifttbr tk tab sklj ofturfjjy.
Jbfvbs fjsk hfo cb usbm lo fooufj
ffikwbr fom vbdbtfcjb dfrmbos tk
liprkvb tab sklj. Iujha ifmb
`rki sarbmmbm jbfvbs hfo cb
pjfhbm ko tab sklj frkuom trbbsfom sarucs. ]als abjps tk rbmuhb
wbbm prkcjbis fom prktbhts rkkt
systbis ̀ rki afrsa tbipbrfturb
ffiuhtuftlkos.
Hjktalod MkoftlkosLt“s tlib tk pfhn fwfy suiibr
hjktalod fom kohb fdflo stjj
hjksbts fom mrfwbrs wlta
swbftbrs fom gbfos. Cb`krb
pfhnlod fwfy ykur suiibr
wfrmrkcb, hkomuht fo lovbotkry
tk mbtbrilob l` tabrb frb foy
ltbis yku ok jkodbr usb. Mkoftb
tabsb ltbis kr usb tabi fs rfds
wabo hjbfolod.
Nbbp skib sakrt-sjbbvbm salrts
fhhbsslcjb sk yku hfo jfybr tabiuombr swbftsalrts fom swbftbrs.
]ab abft `rki jfybrlod wljj cb
trfppbm fdflost ykur ckmy fom
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 7/16
XBU]BICBS 34, 3562 • 4Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
nbbp yku hkzlbr, rbmuhlod ykur
rbjlfohb ko APFH systbis tk
stfy wfri.
Akib SbpflrsHabhn tab rkk` `kr foy ilsslod
salodjbs. Lo fmmltlko, jkkn `kr
spkts wabrb folifjs kr losbhts
ify cb fcjb tk dflo botry lotk
ykur akib. Xbfj tabsb frbfs
fom rbpflr foy jbfns. ]als
wljj ifnb ykur akib ikrb
b`sthlbot jftbr ko wabo wlotbr
alts lts strlmb.
Sbikvb wlomkw flr
hkomltlkobrs ̀ kr tab wlotbr.
L` taby hfo“t cb rbikvbm,
sbfj tabi wlta hfujnlod kr
tfpb fom hkvbr tabi wlta fo
flrtldat, losujftbm gfhnbt. L`
yku afvb `krhbm-flr systbis,
ikvb `urolturb fwfy `rki
tab vbots sk taft flr hfo ffikw
cbttbr frkuom tab akib fomnbbp lt hki`krtfcjb.
Habhn wbftabr-strlpplod
frkuom wlomkws fom mkkrs
fom ifnb tab obhbssfry
fmgustibots. Lostfjjlod
fmmltlkofj losujftlko fjsk
hfo abjp rbmuhb bobrdy
hkosuiptlko.
F `bw tlps hfo abjp
akibkwobrs prbpfrb ̀ kr
futuio lo bhk-`rlbomjy wfys.
-Ibtrk Hrbftlvb Hkoobhtlko
@bohbs hfo prkvlmb prlvfhy fom trfos`kri cfhnyfrms lotk hfjilod pjfhbs tk rbjfx fom uowlom. Cut
`bohbs fjsk ify jbfm tk mlsputbs wlta obldackrs l` lostfjjftlko ls okt hfrrlbm kut wlta btlqubttb. Fjwfys
pjfhb tab `bohb wltalo ykur prkpbrty jlobs, walha hfo cb mbtbrilobm cy bxfilolod f jfom survby `kr
ykur akib. Lo`kri ykur obldackrs k` ykur lotbotlko tk brbht f `bohb, fom dlvb foy hkohbros taby ildat
afvb sucstfotlfj hkoslmbrftlko. @fhb tab ikrb fbstabtlhfjjy fppbfjlod slmb k` tab `bohb kutwfrm tk tab
strbbt fom tk obldackrs“ yfrms. Lo fmmltlko, iflotflo tab `bohb kohb lt ls lostfjjbm sk lt mkbs okt cbhkib
f obldackrakkm bybskrb taft lrns ykur obldackrs.
-Ibtrk Hrbftlvb Hkoobhtlko
MLM \KR NOKT;
•
•
•
•
•
<362 Tbst OH 623 • Ikkrbsvljjb • Mbjlvbry Fvfljfcjb
IF]BSLFJ & JFOMXHFUB
XRUUJ\, JJH
IKKSBXPLJJB, OH 45=-025-23<3
45=-025-23<3
CSLOD AKIB ]AB
CBFR]\ K@ @FJJ
Cujn Xhrbbobm ]kpsklj fom Iujha Mbjlvbrbm
Sfmlk Mlspfthabm
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 8/16
1 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
@bw ltbis sldofj tab `fjj afrvbstsbfsko ikrb tafo tab crldat,
krfodb puipnlos taft mkt stbjms
fom jlvbo up mlspjfys kutslmb k`
akibs fom cuslobssbs. Hkib`fjj, ifoy puipnlos frb turobm
lotk drloolod gfhn-k“-jfotbros
gust lo tlib `kr Afjjkwbbo. Cut
tabrb frb ifoy ktabr usbs `krpuipnlos fs wbjj.
Uuipnlos frb cbjlbvbm tk afvbkrldloftbm lo Okrta Fibrlhf.
Bfrjy Oftlvb Fibrlhfos rbjlbm
ko puipnlos fs f skurhb k` `kkm
taft abjpbm tabi survlvb jkod wlotbrs. Uuipnlos hkujm cb
rkfstbm, cfnbm, ckljbm, fom mrlbm,
fom taby wbrb bftbo fom usbm fsibmlhlob. Uuipnlo cjksskis
wbrb fmmbm tk stbws. ]ab sabjjs
k` tab puipnlos hkujm cb mrlbm
fom usbm fs bftlod fom stkrfdb vbssbjs.
Taljb puipnlos ify okw cb
syickjlh k` Afjjkwbbo, tab`kjjkwlod frb f afom`uj k`
fmmltlkofj wfys tals vbrsftljb
`rult hfo cb put tk usb.
Cbfuty SbdliboUuipnlos hkotflo f ouicbr k`
bssbotlfj vltfilos fom ilobrfjs
taft hfo abjp rbpjbolsa tab snlo.
Uuipnlo purìb hfo cb ilxbm
wlta akoby, fjkb vbrf dbj, kjlvb
klj, fom f clt k` hkroibfj tkhrbftb fo bx`kjlftlod ifsn `kr
tab `fhb kr ckmy. Uuipnlo fjsk
hfo cb usbm tk rbguvboftb mry kr
tlrbm snlo ̀ rki hkjm wbftabr.
Akoby, puipnlo fom ykdurt hfo
cb ilxbm tkdbtabr fom usbm tk
hkomltlko aflr. Jbt tab ilxturb
slt `kr 62 tk 35 iloutbs, fom
tabo wfsa lt kut fom safipkk.
@kkms Fom
CbvbrfdbsUuipnlo purìb ls tab cfsls `kr
ifoy tfsty, puipnlo-lo`usbm
trbfts. Uurìb hfo cb usbm lo
plbs, hfnbs, iu`stos, crbfms,
fom ifoy fmmltlkofj `kkms.
Uuipnlo purìb fjsk ify cb`kuom lo hbrtflo cbvbrfdbs, suha
fs sikktalbs fom safnbs. F clt k`
splhbm purìb ify fppbfr fs
ffifvkrlod lo tbfs fom hk``bbs.
Skfstbm puipnlo sbbms ifnb f
abfjtay trbft. @kkmlbs suddbst
uslod tab sbbms `rki ‑sudfr
puipnlos“ kr tab kobs cbst `kr
ifnlod plbs. Cklj tab sbbms `kr
f `bw iloutbs cb`krb mrflolod.Xprfy f cfnlod sabbt wlta oko-
stlhn sprfy fom put tab sbbms lo
f slodjb jfybr. Cfnb ft =55·@ `kr
35 iloutbs. Fjjkw tk hkkj fom
sbrvb.
Uuipnlo wlobs fom cbbrs frb
pkpujfr fs wbjj. ]abrb frb ifoy
rbhlpbs `kr mbvbjkplod swbbt,
`bribotbm cbvbrfdbs, walhatbom tk cb bspbhlfjjy pkpujfr lo
P F
S L K R X T F
\ X
\ K R
H F O
UR] URIUNLOX ]K RXB
tab `fjj.
]ab ‚duts’ k` tab puipnlo
hfo cb sliibrbm fjkod wlta
frkiftlhs fom ktabr vbdbtfcjbs
tk hrbftb f vbdbtfcjb stkhnpbr`bht `kr skups fom crktas.
MbhkrftlkosUuipnlos hfo fjsk fmm tk kob“s
akib mbhkr murlod tab `fjj.
Uuipnlos hfo cb hfrvbm `kr
Afjjkwbbo mlspjfys, akjjkwbm-
kut tk akjm tbf jldats kr slipjy
jb`t ko tfcjbs fom usbm fs
hbotbrplbhbs. Jfrdbr puipnlos
ify cb usbm fs ofturfj ffikwbr
pkts `kr iuis kr ktabr sbfskofj
ffikrfj mlspjfys. Fs tab Oftlvb
Fibrlhfos kohb mlm, puipnlos
hfo cb akjjkwbm-kut fom usbm fs
ckwjs tk sbrvb `fvkrltb skups fom
mlps.
Rsb f akjjkwbm, sifjj puipnlofs f ofturfj frkiftlh hfomjb
@RJJXBSPLHBHRX]KI @SFILOD • XAFMKTCKQBX
MBJLPBS\ • USLO]LOD& SBX]KSF]LKO
630 Xkuta Iflo Xtrbbt, Mkwotkwo Alstkrlh Ikkrbsvljjb
`h`d`rfilod.hki • 45=.003.462=
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 9/16
XBU]BICBS 34, 3562 • <Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
‚]fnlod hfrb k` ykur akib obbms.’
Ujbfsb Hfjj `kr @SBB Bstliftbs
45=.005.<<<8
XMSIlhabjjbEdiflj.hki(Xbb kur XMS Afomyifo Xbrvlhb Fm)
XMSHJBFOLOD XBSPLHBX
Xbrvlhlod Frbfs7
Jfnb Okrifo
Hkrobjlus
Mfvlmsko
Ikkrbsvljjb
]rkutifo
Xtftbsvljjb
CjlomsIflmsTbbnjy • Cl-Tbbnjy • Ko Mbifom
TlomkwHjbfolod
Lotbrlkr & Bxtbrlkr
HfrpbtHjbfolod
Mry Kr Xtbfi
akjmbr. Hut akjbs lo tab slmbs tk
vbot tab bxafust. Suc frkiftlh
splhbs, suha fs hjkvbs, outibd,
fjjsplhb, hloofiko, fom vfoljjf
cbfo, ko tab loslmb k` tab
puipnlo. Losbrt f cbbswfx
hfomjb lo tab ckttki k` tab
puipnlo fom jbt lt sbom lovltlod
frkifs lotk tab flr.
Uuipnlos frb f vbrsftljb `rult
taft hfo sbrvb ifoy purpksbs
cbykom gust gfhn-k“-jfotbros fom
plbs.
-Ibtrk Hrbftlvb Hkoobhtlko
Ifoy pbkpjb cbdlo tablr akjlmfy sakpplod frkuom
tab bom k` suiibr, wabo rbtfljbrs strst cbdlo tk rkjjkut obw hjktalod jlobs fom ifrn mkwo bxlstlod ltbis
tk ifnb wfy `kr obw lovbotkry. Cbdloolod akjlmfy
sakpplod obfr tab bom k` suiibr kr tab cbdloolod
k` `fjj ify sbbi f jlttjb bfrjy, cut bfrjy sakppbrs
k`tbo stom taft stfrtlod bfrjlbr f``krms tabi ikrb
tlib tk stom tab rldat dl`ts ft tab rldat prlhbs. Bfrjy
sakppbrs hfo hkipfrlsko sakp wltakut tab spbhtbr
k` tab `fst-fpprkfhalod akjlmfy afodlod kvbr tablr
abfms, fom hkipfrlsko sakpplod abjps hkosuibrs
`bbj ikrb hkostmbot taft taby frb dbttlod tab cbstmbfjs pksslcjb. Xtfrtlod bfrjy wlta rbdfrm tk akjlmfy
sakpplod fjsk fjjkws sakppbrs fvklm tab stofohlfj
hruoha taft sakppbrs wak wflt uotlj tab akjlmfy
sbfsko cbdlos k`tbo `bbj. Xprbfmlod kut spbomlod kvbr
sbvbrfj ikotas fs kppksbm tk tab afom`uj k` wbbns
cbtwbbo ]afonsdlvlod fom Harlstifs ls f drbft wfy
`kr sakppbrs tk fvklm cuylod tkk ifoy dl`ts ko hrbmlt,
walha hfo ifnb `kr f pbooy-plohalod stfrt tk tab obw
ybfr wabo cljjs hkib mub lo bfrjy- tk ilm-Gfoufry.
-Ibtrk Hrbftlvb Hkoobhtlko
MLM \KR
N OK T;
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 10/16
65 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
(45=) 143-86=1
Skfm trlps frb f stfpjb k` futuio
`kr ifoy iktkrlsts. @fjj `kjlfdb
fom ikmbrftb tbipbrfturbs
ifnb tab ikotas k` Xbptbicbr
fom Khtkcbr lmbfj ikotas tk
alt tab kpbo rkfm `kr wbbnbom
dbtfwfys.
@fjj rkfm trlps rfrbjy tfnb mrlvbrstkk `fr fwfy `rki akib, cut
trfvbjlod hfo stljj cb hkstjy.
@krtuoftbjy, tabrb frb ifoy
wfys tk ifnb rkfm trlps ikrb
f``krmfcjb wltakut sfhrlsthlod
`uo.
6. Bxpjkrb fjtbroftlvbs tk ikrb
trfmltlkofj jkmdlod. L` ykurrkfm trlp lohjumbs fo kvbroldat
stfy, hkoslmbr fjtbroftlvbs tk
trfmltlkofj jkmdlod. Aktbjs
ildat strbtha ykur cumdbt, cut
mbpbomlod ko wabrb yku pjfo
tk dk, yku ildat afvb skib jbss
trfmltlkofj fjtbroftlvbs. Flrcoc.
hki fjjkws akibkwobrs fom
bvbo skib fpfrtibot mwbjjbrs tk
rbot tablr akibs fom fpfrtibots
tk trfvbjbrs, fom tabsb jlstlods
ify pfjb lo hkipfrlsko tk
rftbs k``brbm cy obfrcy aktbjs.
L` wbftabr pbrilts, jkkn `kr
jkhfj hfipsltbs fom spbom ykur
oldats sjbbplod kutmkkrs uombr
tab futuio stfrs. L` yku prb`br
aktbjs, jkkn `kr mbfjs ko sltbs
jlnb Urlhbjlob.hki kr Aktwlrb.
hki, walha ify k``br abfvy
mlshkuots ko rkkis.
3. ]fnb stbps tk hkosbrvb `ubj.
Jkmdlod ildat prkvb ykur
clddbst bxpbosb ko f `fjj rkfm
trlp, cut `ubj jlnbjy wko“t cb tkk
`fr cbalom. Mrlvbrs hfo hut `ubj
hksts lo sbvbrfj wfys. Cb`krb
cbdloolod ykur trlp, tfnb ykur
hfr lo `kr f tuob-up sk foy lssubs
taft ildat f``bht `ubj b`sthlbohy
frb fmmrbssbm cb`krb yku alt
tab kpbo rkfm. Ukkrjy loffiftbm
tlrbs `krhb tab bodlob tk wkrn
afrmbr fom curo ikrb `ubj, sk
ifnb surb tlrb prbssurb ifthabs
tab jbvbjs rbhkiibombm lo
ykur kwobr“s ifoufj cb`krb
bicfrnlod ko ykur trlp fom bvbo
fjkod tab wfy l` yku `bbj ykurhfr ls okt ruoolod fs sikktajy
fs lt hkujm cb. Foktabr wfy tk
hkosbrvb `ubj ls tk rbikvb bxhbss
B O G K \ F @ S
R D F J
@FJJ SKFM ]SLUltbis `rki tab truon. L` yku
mko“t pjfo tk alt tab jlons ko
ykur trlp, jbfvb ykur dkj` hjucs
ft akib.
8. Ujkt ykur rkutb. Xpkotfoblty
ify ifnb `fjj rkfm trlps ikrb
`uo, cut mrlvbrs jkknlod tk sfvb
ikoby sakujm pjkt tablr rkutbs
lo fmvfohb sk taby hfo fvklm
pktbotlfjjy hkstjy prkcjbis jlnb
mbtkurs kr rkfm wkrn taft hfo
wfstb `ubj fom jbfm tk akurs
slttlod lo trf`sth. Rsb f DUX
mbvlhb murlod ykur trlp sk ykuhfo cb fjbrtbm tk foy uobxpbhtbm
mbvbjkpibots taft ildat hkst
yku tlib fom ikoby. Ujkttlod
ykur rkutb lo fmvfohb fjsk
fjjkws yku tk stom f``krmfcjb
mlolod fom jkmdlod kptlkos fom
hakksb rkfms taft mko“t rbqulrb
mrlvbrs tk pfy tkjjs.
=. Lovltb skib `rlboms fom
`filjy fjkod. Lovltlod `rlboms
fom `filjy ko f wbbnbom
dbtfwfy hfo ifnb tab trlp ikrb
`uo fom ikrb f``krmfcjb. L` ykuafvb rkki lo tab hfr, lovltlod
`rlboms fjkod fjjkws yku tk spjlt
`ubj hksts, fom yku ify bvbo
sfvb ko jkmdlod l` yku stom f
aktbj taft wko“t hafrdb `kr bxtrf
dubsts lo tab rkki. @rlboms fom
`filjy fjsk hfo abjp spjlt tab
hkst k` suppjlbs.
2. Crlod ykur kwo `kkm. @kkm
ls foktabr cld bxpbosb rkfm
trlppbrs iust fhhkuot ̀ kr. Cut
yku hfo sfvb ikoby ko `kkm
cy crlodlod ykur kwo ibfjs
fjkod ko tab trlp. Urbpfrb skib
sfomwlhabs tab ikrolod taft
yku jbfvb fom nbbp tabi `rbsa
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 11/16
XBU]BICBS 34, 3562 • 66Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
Kob hkupko pbr `filjy • Bxplrbs 65-60-62
@SBB CFDK @ ] K U X K L J
Crfwjby Xhakkj Fhb Afrmwfrb6513 Crfwjby Xhakkj Sm. (Bxlt 82 k`` L-44)
45=-021-5588
w/FO\ $65 purhafsb k` Sbdujfr Urlhbm Ibrhafomlsb
lo f hkkjbr sk yku mko“t
afvb tk pfy `kr juoha. Lo
fmmltlko, pfhn skib sofhns
sk yku fom ykur pfssbodbrs
hfo qulhnjy fom f``krmfcjy
qubjj foy auodbr pfods taftfrlsb waljb yku“rb ko tab
rkfm. L` yku pjfo tk stfy lo f
pjfhb wlta lts kwo nlthabo,
hkkn ykur kwo mloobrs sk
yku mko“t afvb tk spbom
ikoby mlolod kut.
Skfm trlps frb f stfpjb k`
futuio, wabo mrlvbrs hfo
stljj bogky tab kpbo rkfm
wltakut crbfnlod tab cfon.
-Ibtrk Hrbftlvb Hkoobhtlko
Akibifmb hfomlbm fppjbs frb f
stxturb hkib Afjjkwbbo. Xwbbt,
mbjbhtfcjb fom vbry bfsy tk ifnb,
tabsb fppjbs frb f stfpjb ft pfrtlbs
fom ify bvbo cb mlstrlcutbm
tk trlhn-kr-trbftbrs. Fs foykob
wak afs clt lotk f stlhny-swbbt
hfomlbm fppjb hfo fttbst, fjtakuda
mbjlhlkus, tabsb fppjbs frb okt
bxfhtjy f abfjtay sofhn. \bt, wlta f `bw, bfsy ikmlsthftlkos,
lt“s pksslcjb tk liprkvb tab
outrltlkofj vfjub k` hfomlbm
fppjbs.
Tlta lodrbmlbots jlnb hfrfibj,
ifrsaifjjkw, hakhkjftb `umdb,
fom sudfr, lt“s bfsy tk sbb akw
hfomlbm fppjbs mk okt bickmy
f abfjtay trbft, mbspltb fo fppjbcblod uombrobfta fjj taksb hfomy
fmkroibots. ]ry tabsb lmbfs tk
lohrbfsb tab outrltlkofj vfjub k`
tals cbjkvbm trbft.
• Ifnb ykur kwo hfrfibj uslod
hkombosbm iljn, crkwo sudfr
fom cuttbr. Cy hkotrkjjlod tab
lodrbmlbots, yku hfo fvklm
bxtrf sudfr fom foy fmmltlvbs
lo hkiibrhlfjjy skjm hfrfibj
tkpplods.
• Rsb akoby `kr tab kutbr hkftlod
k` tab fppjb. ]abo rkjj lt lo
hakppbm fjikoms kr drfokjf.
• Hkft fppjbs wlta mfrn hakhkjftb,
walha hkotflos jbss sudfr tafo
iljn hakhkjftb fom ls pfhnbm wlta
fotlkxlmfots. Xprlonjb wlta mrlbm
hrfocbrrlbs fom hakppbm wfjouts.
• Xucstltutb fhtufj hloofiko
`kr ibjtbm hloofiko hfomlbs lo
rbhlpbs. Ilx pkwmbrbm hloofiko wlta f jldat hkro syrup fom tabo
mlp tab fppjbs tk hkft.
• Xwlrj akibifmb rfspcbrry gfi
wlta fo fjj-ofturfj pbfout cuttbr
fom sprbfm lt ko tab fppjbs `kr f
dkuribt tfnb ko pbfout cuttbr
fom gbjjy.
• Afzbjout sprbfms frb fjj tab
rfdb rldat okw. Rsb ykur `fvkrltb
hakhkjftb afzbjout sprbfm ko tabfppjbs fom sprlonjb wlta drfokjf
`kr hruoha.
• Mrlzzjb tab fppjbs wlta ykur
sudfry hkohkhtlko rftabr tafo
mlpplod tabi tk hut mkwo ko tab
sudfr. ]als stljj prkvlmbs iuha
ffifvkr cut mkbs sk wltakut fjj k`
tab sudfr.
• Mlp fppjbs lo ibjtbm habbsb,
jlnb crlb kr dkumf. Xprlonjb wlta
cfhko clts `kr f swbbt fom sfjtyhkicloftlko.
Bxpbrlibot wlta ykur kwo
ffifvkrs. Ifnlod ykur kwo hfomlbm
fppjbs, rftabr tafo purhafslod
tabi `rki stkrbs, bofcjbs yku tk
hkotrkj tab lodrbmlbots fom akw
iuha fhtufj hfomy dkbs lotk tab
rbhlpb.
-Ibtrk Hrbftlvb Hkoobhtlko
L I U S K P B
] A B
O R ] S L ] L K O F J
P F J R B
K @HFOMLBM FUUJBX
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 12/16
63 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
Futuio ls f tlib k` ybfr
wabo akibs dbt mrbssbm up
wlta shfrbhrkws fom gfhn-k“-
jfotbros fs nlms pjfo tablr
pbr`bht Afjjkwbbo hkstuibs fom
sbbilodjy bvbry rbhlpb afs f
tkuha k` hloofiko fom outibd
fmmbm lo `kr dkkm ibfsurb. Fppjbs fjsk bxpbrlbohb f surdb lo
vlslcljlty hkib tab `fjj.
Fppjbs frb kob k` tab ikst
wlmbjy-drkwo trbb `rults fom
cbhkib fvfljfcjb `kr plhnlod
lo bfrjy `fjj. ]aby hfo cb put tk
usb lo fjj ml``brbot typbs k` `kkm
fppjlhftlkos `rki mbssbrts tk
sfuhbs tk cbvbrfdbs. Fs f stfom-
fjkob sofhn, fppjbs frb f abfjtay
skurhb k` fotlkxlmfots fom stcbr.
Fppjbs afvb ifoy ktabr qufjltlbs
fom fo lotbrbstlod alstkry.
Hkoslmbr tabsb `fhts fckut
fppjbs.
• ]ab tbri ‚fppjb’ hkibs `rki
tab Kjmb Bodjlsa wkrm, ‚fbppbj.’• Fppjbs frb cbjlbvbm tk afvb
krldloftbm skibwabrb cbtwbbo
tab Hfsplfo fom Cjfhn Xbfs, cut
okw taby frb drkwo fjj kvbr tab
wkrjm.
• ]ab iflo prkmuhbrs k` fppjbs
lo tab Roltbm Xtftbs lohjumb
tab stftbs k` Tfsalodtko, Obw
\krn, Ilhaldfo, Uboosyjvfolf,
Hfjl`krolf, fom Plrdlolf.• ]abrb frb takusfoms k`
ml``brbot fppjb vfrlbtlbs.
• Fppjbs wbrb tfnbo tk Okrta
Fibrlhf cy Burkpbfo sbttjbrs.
• Akobycbbs frb f pkpujfr
pkjjloftkr k` fppjb trbbs.
• Fppjb sbbms hkotflo f sifjj
fikuot k` hyfolmb hkipkuom.
]aby“rb okt afri`uj l` bftbo lo
sifjj qufotltlbs.
• Ifoy fppjb afrvbsts frb stljjplhnbm cy afom.
• @l`tbbo typbs k` fppjbs
fhhkuot `kr <5 pbrhbot k` tktfj
prkmuhtlko. Sbm Mbjlhlkus,
Dfjf, Dkjmbo Mbjlhlkus, Drfooy
Xilta, fom @ugl jbfm tab wfy.
• F cusabj k` fppjbs wbldas =3
pkuoms waljb f pbhn wbldas
fpprkxliftbjy 65.2 pkuoms.
• ]ab hrfcfppjb ls tab kojy fppjb
oftlvb tk Okrta Fibrlhf.
• Fppjb trbbs wko“t cbfr tablr
strst `rults uotlj taby afvb
ifturbm `kur tk stvb ybfrs.
• ]ab jfrdbst fppjb plhnbm
wbldabm tarbb pkuoms.
• Fppjbs frb dkkm Afjjkwbbo
ckuoty tk rbhblvb lo jlbu k`
hfomy. ]ab outrltlkofj cbobsttsk` fppjbs spurrbm tab sfylod,
‚Fo fppjb f mfy nbbps tab mkhtkr
fwfy.’
• Lt“s `uo tk dk fppjb-plhnlod,
fom ifoy pbkpjb ffikhn tk
krhafrms lo Xbptbicbr fom
Khtkcbr tk plhn tablr kwo
fppjbs.
-Ibtrk Hrbftlvb Hkoobhtlko
FUUJB
@FX] @FH]X
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 13/16
XBU]BICBS 34, 3562 • 68Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
rhsjfwoikwbrs.hki625 SH @fri Mrlvb, Xtftbsvljjb, OH 31044
45=-231-2316 • 45=-231-<488 (̀ fx) • rhsjfwoikwbrrbpfEcbjjskuta.obt
SH“s JfwoikwbrXfjbs fom Xbrvlhb, JJH
SH“s Jfwoikwbr
Fs mfys drkw sakrtbr fom hkkjbr,
tab uostruhturbm bosbicjbs k`
sakrts fom tfons ifnb wfy `kr
tab swbftbrs, ckkts, twbbms, fom
wkkj k` futuio fttlrb.
Tabtabr yku“rb rbfmy tk
abfm cfhn tk tab k`sthb kr tab
hjfssrkki, yku ify wfot tk
lohjumb hkzy rlccbm nolts,
pfotsults fom skib ktabr
trbomsbttlod ltbis lo ykur
futuio wfrmrkcb.
Mustbr hkfts7 Mustbr
hkfts fom pkohaks hkujm cb
sbbo ft fjj tab ifgkr ruowfy
sakws. ]absb hkfts frb bqufjjy
hki`krtfcjb tkssbm kvbr hfsufj
wbfr, suha fs f swbftbr fom
gbfos, kr wkro kvbr cuslobss
fttlrb. ]ab jkodbr jbodta nbbps
jbds fom tkrsks wfri ko haljjymfys. Ujfy wlta pfttbros fom
hkjkrs, suha fs folifj prlot kr
pfjb plon, `kr bxtrf ffiflr.
]urtjbobhns7 Uut fwfy
ykur t-salrts `kr tab sbfsko fom
usb turtjbobhns fs ykur obxt
iust-afvb jfybrlod plbhb. Lo tab
pfst, turtjbobhns afvb `fjjbo lofom kut k` `fvkr. Cut okw taby“rb
cfhn fdflo lo alda mbifom.
]urtjbobhns nbbp yku wfri, fom
taby“rb fjsk qultb ̀ fsalkofcjb.
]urtjbobhns hfo bvbo cb wkro
lo okotrfmltlkofj wfys, suha fs
uombr f mrbss wlta strfps.
Xnlrt cbjts7 Ilol snlrts
hfo cb pflrbm wlta jkodbr
mrbssbs fs f wflst hlohabr kr tk
fmm f clt k` tbxturb. ]als hrbftbs
f `khfj pklot fom hfo crbfn up
tab ikoktkoy k` f jkod, slodjb-
hkjkrbm mrbss.
Juxury ftajbtlhwbfr7 F trlp tk tab dyi
kr gust jkuodlod frkuom ft
akib hfo okw cb bvbo ikrb
`fsalkofcjb, fs ifoy crfoms
frb okw k``brlod juxury dyi
hjktabs. ]absb hjktabs k``br f
drbftbr fttbotlko tk mbtflj fom
ikrb hki`krt tafo tab usufj
dyi fttlrb fom hfo cb ilxbm fomifthabm wlta ktabr plbhbs yku
ify fjrbfmy afvb lo ykur hjksbt.
Xjkuhay akkms fom `rbb-ffikwlod
plbhbs dfrobr fjj tab rldat
fttbotlko.
Haknbrs7 @jfsa cfhn tk tab
6<<5s fom bogky tab okstfjdlf k`
haknbr obhnjfhbs. Cjfhn haknbrshfo afvb f cbwlthalod jkkn fom
mrbss up bvbolod wbfr kr bvbo f
ikrb hfsufj cuttko-mkwo salrt.
@rlodb7 L` yku afvbo“t ybt
fmmbm skibtalod `rlodbm tk ykur
wfrmrkcb, okw ls tab tlib. ]ab
trbom ls stljj prbvfljlod wlta
obfrjy bvbry mbsldobr lohjumlodskib skrt k` `rlodb kr `rfybm
`fcrlh lo tablr hkjjbhtlkos.
@rlodbm snlrts, hfpbs fom vbsts
frb gust f `bw jkkns tk try.
Ufotsults7 Ufotsults frb
cfhn lo f cld wfy, cut taby“rb
bmdlbr tafo lo ybfrs pfst.
Tabtabr lt“s tfljkrbm gfhnbts
pflrbm wlta ffikwlod pfots,
hldfrbttb-styjb ckttkis fom
hrkppbm tkps kr f ckxy cjfzbr
fom suspbombrs, pfotsults frb fhalh fom trbomy jkkn.
]ab hkkjbr tbipbrfturbs k`
futuio ibfo wrfpplod ykursbj`
up lo hki`krt fom hkzlobss
wltakut hkiprkilslod ko styjb.
-Ibtrk Hrbftlvb Hkoobhtlko
]K FMM ]K
\KRS TFSMSKCB @ F J J F O M
T L O ] B S
X ] \ J B
] S B O M X
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 14/16
6= • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
Jbfvbs hfshfmlod mkwo `rki
trbbs lomlhftb tab frrlvfj k`
futuio. Akwbvbr, hkjkr`uj fom
fwb-losplrlod futuio jbfvbs
hfo cb f afzfrm l` jb`t tk jlb kotab drkuom tkk jkod.
@fjjbo jbfvbs `kri f mbosb
losujftkr tk prktbht trbbs“ rkkts
fom prbvbot hkipbtlod pjfots
`rki drkwlod. Mbhkipkslod
jbfvbs fjsk prkvlmb outrlbots `kr
tab trbb. Cut wbt jbfvbs hfo cb f
sf`bty afzfrm fom jbfvbs jb`t ko
tab jfwo tarkuda tab wlotbr hfopksb f tarbft tk tab drfss. ]absb
frb gust f hkupjb k` rbfskos
way sk iuha b``krt ls pjfhbm
ko jbf` hjbfo-up lo tab `fjj. ]ab
`kjjkwlod frb skib hrbftlvb wfys
tk rbhyhjb jbfvbs taft `fjj `rki
ykur trbbs lo tab wbbns tk hkib.
Iujha7 Xarbmmbm jbfvbs hfoifnb `kr f drbft fibomibot tk
`brtljlzbr `kr dfrmbo cbms fom
bvbo tab jfwo. Jbfvbs jylod ko
tab drfss hfo cb iujhabm lotk
sifjj plbhbs wlta f iujhalod
ikwbr sk taby mko“t haknb tab
cjfmbs k` drfss. Jbfvbs fjsk hfo
cb crknbo mkwo wlta f strlodtrliibr, f jbf` cjkwbr taft
afs f vfhuui `uohtlko kr f
hkiibrhlfj sarbmmbr/halppbr.
Fmm tab sarbmmbm jbfvbs tk f
hkipkst pljb kr usb tabi tk stjj
hkotflobr pjfots cb`krb fmmlod
rbdujfr pkttlod sklj.
Losujftlko7 Hkjjbht
jbfvbs tk ikuom kvbr mbjlhftb
pbrboolfj pjfots fom sarucs. ]ab
jbfvbs wljj fmm ikrb wfrita
tk tab sklj fom ify abjp pjfots
ifnb lt tarkuda afrsa wlotbrs.
Gust rbikvb tab jbfvbs sjkwjy
wabo sprlod frrlvbs sk taft tab
sklj uombrobfta hfo dbt tab
suojldat fom wftbr lt obbms tk
tarlvb. Jbfvb skib jbfvbs lo tab yfrm sk taft folifjs hfo usb
tabi fs obstlod iftbrlfj fom
jlob tablr mbos `kr tab wlotbr.
Xtu`od7 Hrbftb walislhfj
shfrbhrkws fs pfrt k` ykur
futuio mbhkrftlko shabib.
Dftabr kjmbr hjktabs taft yku
ok jkodbr usb fom stu`` tab
sjbbvbs k` salrts fom tab jbds k`
385 Okrta Iflo Xtrbbt | Mkwotkwo Ikkrbsvljjb
(45=) 00=-5380
]rkplhfjHkoobhtlkos
SBH\HJBJBFPBX
H S B F
] L P B T F \
X ] K
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 15/16
XBU]BICBS 34, 3562 • 62Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
Uflotlod - Lotbrlkr & Bxtbrlkr.
Kob Skki Kr ]ab Takjb Akusb.
Ulhturb Afodlod • ]bjbvlslko Afodlod
Hbljlod @fos, Jldat @lxturbs
Xabbt Skhn Sbpflr
Ujbfsb Hfjj `kr @SBB Bstliftbs
45=.005.<<<8
XMSIlhabjjbEdiflj.hki(Xbb kur XMS Iflm Xbrvlhb Fm)
XMSAFOM\IFO XBSPLHBX
I hk.
Xbrvlhlod Frbfs7
Jfnb Okrifo
Hkrobjlus
Mfvlmsko
Ikkrbsvljjb
]rkutifo
Xtftbsvljjb
pfots wlta jbfvbs, walha frb jbss
bxpboslvb fom bfslbr tk hkib cy
tafo strfw. Rsb f `bw plbhbs k`
strfw frkuom tab obhn fom afom
frbfs k` tab shfrbhrkw `kr vlsufj
b``bht. ]lb k`` wlta twlob fommlspjfy ykur shfrbhrkw.
Cbmmlod7 Halhnbo kwobrs
hfo usb `fjjbo jbfvbs fs cbmmlod
lo tablr halhnbo hkkps. Mry
jbfvbs fjsk ify hrbftb ikrb
hki`krtfcjb fom mrlbr hkomltlkos
`kr dkfts fom ktabr jlvbstkhn.
Dkfts ify jkkn tk rbhbotjy`fjjbo jbfvbs fs f outrltlkus `kkm
skurhb. Dftabr tab jbfvbs fom
jbt tab dkfts iuoha cb`krb yku
`urtabr rfnb fom hkipkst tab
jbfvbs.
Mbhkrftlkos7 Ofturfj
jbfvbs hfo cb usbm fs mbhkrftlkos
ckta loslmb fom kutslmb f akib.Xtrlod `rbsajy `fjjbo jbfvbs
tkdbtabr fom wrfp tabi frkuom
f drfpbvlob wrbfta `kr f rustlh
mkkr mbhkrftlko. Jbfvbs hfo cb
pjfhbm lo hjbfr vfsbs fom put
ko mlspjfy `kr f habfp wfy tk
sakwhfsb skib futuio hkjkr.
Urbsbrvb ̀ fvkrltb jbfvbs wlta
f jfiloftlko ifhalob kr cysbfjlod tabi cbtwbbo abftbm
sabbts k` wfxbm pfpbr. Hut kut
tab jbf` safpbs fom usb `kr
afodlod wlomkw mbhkrftlkos.
Sbhrbftlko7 Jbfvbs afvb
jkod cbbo `fvkrltb tkys `kr
haljmrbo, wak bfdbrjy fwflt
guiplod lotk jfrdb pljbs k` `fjjbojbfvbs. @ljj pfpbr cfds wlta
jbfvbs fom mrfw f tfrdbt ko tab
`rkot.
Jbt nlms tbst tablr snljj flilod
`kr tab tfrdbts. Haljmrbo hfo
hfikuffifdb tablr hjktalod wlta
jbfvbs fom ifsnlod tfpb fom
afvb f ikrb lotbosb sbsslko k`
‑almb fom sbbn.
-Ibtrk Hrbftlvb Hkoobhtlko
7/23/2019 SVL MVL 2015 Fall Home
http://slidepdf.com/reader/full/svl-mvl-2015-fall-home 16/16
60 • XBU]BICBS 34, 3562 Xtftbsvljjb & Ikkrbsvljjb @FJJ AKIB 3562
6=0 Bfst Crkfm XtrbbtXtftbsvljjb, OH
45=-143-80<6
Ikomfy - Xfturmfy65755 FI - 4755UI
Hjksbm Xuomfy
Plslt Rs Ft Kur Tbcsltb7www.nlicrbjjs.hki
HKOPBOLBO]
LO-X]KSB @LOFOHLOD
MLFIKOM
FOOLPBSXFS\XFJB• DKLOD KO OKT •
Plotfdb Sustlh
2-UH URC MLOB]]B•Hkuotbr Abldat ]fcjb •= Cbohabs
$6<< FJJ 2 ULB HBX Xqufrb Ubmbstfj Cfsb
2-UH URC MLOB]]B•=5’x =5’ Uuc ]fcjb •= Uuc Haflrs
$8<< FJJ 2 ULBH BX
FJJ 0
UL BHBX
$6<<
\K RS HAKLHB
Cjfhn Hafipfdob
Xiknb Cjfhn Lhb Taltb
Clttbrswbbt Ulob
Xikny Cjfhn ]TLO XJBLDA CBMXjblda Abfmckfrm,@kktckfrm & SfljsCbmmlod fjsk sfjb prlhbm.
$6<<
Ifthalod Ulbhbs Frb Fj sk Xf jb Ur lhbm
Mrbssbr & Ilrrkr.....$8=<2-Mrfwbr Habst ......$6<<Oldatstfom...............$<<@ujj Ufobj Cbm ........$3=<
Ifthalod Ulbhbs Frb Fj sk X fjb U rlhbm
Mrbssbr & Ilrrkr.....$8=<2-Mrfwbr Habst ......$6<<Oldatstfom...............$<<@ujj Ufobj Cbm ........$3=<
Habrry @lolsa]TLO XJBLDA CBMXjblda Abfmckfrm,@kktckfrm & SfljsCbmmlod fjsk sfjb prlhbm.
$6<<
Hbjbcrftlod kur
655 \bfr Foolvbrsfry6<62-3562
k` Bxhbjjbot Hustkibr Xbrvlhb & Xfvlod \ku Ikrb!
1 Xtyjbs ]kHakksb @rki
O k M k w o U f y i b ot 5 % Lo t b r b s t @ lo f o h lo d@kr Rp ]k 80 Ikotas Tlta Bqufj Ufyibots*
OK HSBML] SBVRLSBMKU]LKO**
**Xbb Xtkrb @kr Mbtfljs
BFX\ LO-AKRXB @LOFOHLOD@KS FO\ CRMDB]
Rp ]k 61 Ikotas*Tlta Fpprkvbm Hrbmlt, Xbb Cfhn Ufdb @kr Mbtfljs 5-<0==