Washington CountyWaterbury Fire Department 43 South Main StreetWaterbury, VT 05676Windsor CountyOkemo Market Place(Between Cool Moose & Dark Side Snowboard Shop)57 Pond Street, Suite #4Ludlow, VT 05149Rutland CountyRutland Heart Center1 Commons StreetRutland, VT 05701The DRC hours of operation are 8 a.m. to 6 p.m. Monday through Saturday. For the DRC nearest to your location: (LINK) *Beginning Friday, Oct 7th, the hours of operation are 9 a.m. to 5 p.m. and closed Sundays; Closed Monday, October 10th for Columbus Day.MOBILE DISASTER RECOVERY CENTER TRAVELING THROUGH ADDISON AND WINDSOR COUNTIES: The mobile vehicle will provide the phone and computer connectivity for a recovery center. These centers are staffed with disaster recovery specialists from various federal, state and local agencies and organizations who can answer questions about disaster assistance programs.Addison CountyHancock Town Hall1097 Rt. 100, Hancock 05748Opening noon ‘ 6 p.m., Mon, Oct. 38 a.m. ‘ 6 p.m., Tuesday, Oct. 48 a.m. ‘ 6 p.m., Wednesday, Oct. 5Windsor CountySouth Royalton Journey Church412 S. Windsor St., S Royalton 05068Opening noon ‘ 6 p.m., Thurs, Oct. 68 a.m. ‘ 6 p.m., Friday, Oct. 78 a.m. ‘ 6 p.m., Saturday, Oct. 8 The FEMA registration deadline for disaster assistance for individuals and families, called Individual Assistance, is October 31, 2011. This may include housing repair grants or temporary rental assistance as well as reimbursement for personal property losses. The designated counties eligible for Individual Assistance are: Addison, Bennington, Caledonia, Chittenden, Orange, Rutland, Washington, Windham, Lamoille, Franklin, Orleans and Windsor.Register online at www.DisasterAssistance.gov(link is external), by web enabled mobile device at m.fema.gov, or by calling 1-800-621-FEMA (3362). Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362. The only way to be eligible for FEMA assistance is to register with FEMA.Cities and towns must submit Requests for Public Assistance (RPA), which provide reimbursement to repair public infrastructure such as roads and bridges, by October 17, 2011. The RPA form may be found at http://www.fema.gov/library/viewRecord.do?id=2690(link is external) and be submitted to Alec Partalupi at 802-828-3889 or email email@example.com(link sends e-mail). All counties in Vermont are eligible for Public Assistance.RECOVERY UPDATE AS OF: CLOSE OF BUSINESS OCTOBER 2, 2011Total Individual Assistance (IA) Total Registrations: 5,999Total Individual & Households Program Dollars Approved: $16,399,865Total Small Business Association (SBA) Loan Amounts Approved: $5,936,700Current Deadline for SBA Disaster Economic Injury Loan: June 1, 2012DISASTER ASSISTANCE PROGRAM OVERVIEW· Disaster Unemployment : Available to those whose jobs were permanently or temporarily lost due to the disaster, including those who are self-employed. Anyone who lost work and lived, worked, or was scheduled to work in a county that has received a federal disaster designation may apply for benefits by calling the Vermont Department of Labor’s Claim Assistance Line at 1-877-214-3330. The filing deadline for assistance is October 7, 2011.· Legal Services: Those facing legal issues due to Tropical Storm Irene may call (800) 889-2047 for free legal advice. Those who qualify for assistance will be matched with Vermont lawyers volunteering their time. Legal assistance may include help with insurance claims, home repair contracts and contractors, replacement of wills and other legal documents destroyed in the disaster and counseling on mortgage-foreclosure problems and landlord/tenant problems.· Insurance Information: For questions regarding insurance matters, contact the Consumer Services Division at the Department of Banking, Insurance, Securities & Health Care Administration at 800-964-1784 in state or 802-828-3302.· Making Recovery Affordable: The U.S. Small Business Administration’s low-interest loan program was designed by Congress to enable those affected by unforeseen catastrophic events to recover with as little adverse impact as possible, whether they are renters, homeowners, businesses or non-profit organizations. Congress has given SBA powerful tools to make disaster loans affordable with low interest rates, repayment terms as long as 30 years, and, under very specific circumstances, refinancing of prior liens. To ensure that disaster recovery is affordable for each borrower, SBA analyzes the borrower’s monthly budget, determines an affordable monthly payment, then writes the loan for the number of years needed. This is unlike conventional lenders, which generally set the maturity first and then calculate the payment. If you are referred to SBA after you register with FEMA, you should fill out the paperwork to see whether the SBA can offer you a loan. If you do not fill out an SBA packet it may close the door to other FEMA grants. For more information, call 800-659-2955 or (800-877-8339) for people with speech or hearing disabilities). Applications can also be downloaded from www.sba.gov(link is external) or completed online at https://disasterloan.sba.gov/ela/(link is external).· Economic Injury Disaster Loans: The SBA offers these loans to small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private non-profit organizations. Economic Injury Disaster Loans are intended to help meet working capital needs if you’ve lost business income because of the disaster. The loans are available regardless of whether the business suffered any physical property damage.· Renters and Homeowners: may receive grants to replace lost property or if they were displaced from their homes, they may be eligible for funds to help them with temporary rental assistance. These funds are for a limited period until the renter’s previous home is habitable or another permanent rental is found. · Housing Hotline: The state and FEMA have established a toll-free number and a fax number to receive calls from anyone who has housing available to rent or wishes to offer housing at no cost for Vermonters displaced by the flood. The toll-free # is 866-330-5286 and fax # is 540-686-4467.· Flooded Basements: Homeowners who had basement flooding from Tropical Storm Irene are encouraged to register with FEMA because they may be eligible for grants to cover uninsured damage. In situations where families do not use their basements as an essential living space, the agency’s ability to assist may be limited. However, residents may be eligible for a low-interest disaster loan from SBA to cover what FEMA cannot. (Read More)· National Flood Insurance Program: State and federal officials are encouraging Vermont residents to sign up for federally-backed flood insurance. The National Flood Insurance Program offers federally-backed flood insurance to property owners and renters in communities that participate in the program.Ã Vermont communities that have been ‘sanctioned,’ that is, they have not followed the guidelines of NFIP or have been identified as having a floodplain hazard but have not signed up, have until March 31, 2012 to file a ‘resolution of intent’ to join. Until the resolution is submitted, residents in these sanctioned communities may not be eligible for some FEMA assistance. Communities wishing to sign up can contact the Rivers Program at the Vermont Department of Environmental Conservation at: 802-241-1554 (Read More)LOCAL DISASTER RECOVERY CENTERSApplicants are not required to visit a Disaster Recovery Center (DRC). The DRC is staffed by FEMA, SBA, and other federal and nonprofit agencies. Locations of current Disaster Recovery Centers (DRCs) are: *Notates DRC closingsWindham CountyNelson Withington Skating Rink61 Memorial Park DriveBrattleboro, VT 05301*Closing Oct 4, Tues @ 6pmWindsor CountyThe Rock Church473 Woodstock RoadWoodstock, VT 05091*Closing Oct 4, Tues @ 6pmRutland CountyU.S. Post Office (Upstairs)2046 Route 4Killington, VT 05751*Closing Oct 5, Wed @ 6pmWashington CountyNorthfield Library (Community Room)83 South Main StreetNorthfield, VT 05663*Closing Oct 5, Wed @ 6pmWindsor CountyHartford Fire Department2nd Floor Training Room812 VA Cutoff RoadWhite River Junction, VT 05001*Closing Oct 6, Thurs @ 6pmBennington CountyBennington Fire Department130 River StreetBennington, VT 05201*Closing Oct 6, Thurs @ 6pmWindham CountyDover Town Hall120 Taft Brook RoadDover, VT 05341Caledonia CountyMunicipal Office Building119 Park AvenueLyndonville, VT 05851 Go to 511VT.com every morning and map out road conditions for the trip you will be taking.PRIVATE SECTOR TIP OF THE WEEKThe American Red Cross Ready Rating System helps you analyze your business’ disaster preparednesswww.readyrating.org/Businesses.aspx(link is external) This E-News Update is created by FEMA’s Private Sector Division. It includes information on Federal and State resources available to help Vermont business owners and employees recover from the floods caused by Tropical Storm Irene. We welcome your comments, questions, helpful feedback, heroic stories and suggested topics. Please send emails to Kysa.George@dhs.gov(link sends e-mail) or Leslie.Moore@dhs.gov(link sends e-mail). You can also call the Private Sector Desk: 802-951-2849. See the last section for subscribe/un-subscribe instructions.
A key problem when it comes to personal finance and saving for retirement is that people don’t necessarily associate money with happiness. Sure, they might think that when they have more money, they’ll be happier, or when they’re basking in their retirement dream scenario, they’ll be happy. But when it comes to managing money, saving and investing, happy isn’t the first word that comes to mind. It’s more of a chore.But creating a happy, healthy relationship with money is essential. Not only are happy people healthier (that’s a money-saver right there), but having a positive mindset can make it easier to stick to good habits like saving and investing for future retirement goals. A positive mindset and distinct focus on those goals can also give people the determination willpower to break bad habits, like overspending or relying on credit cards. Researcher Shawn Achor calls this the “happiness advantage,” and says:“Happiness is perhaps the most misunderstood driver of performance. For one, most people believe that success precedes happiness. But because success is a moving target – as soon as you hit your target, you raise it again – the happiness that results from success is fleeting. In fact, it works the other way around: People who cultivate a positive mind-set perform better in the face of challenge.”This chain of thought is so common, especially when it comes to money: “When I stick to my budget and save $250 a month, then I’ll be happy.” Or, “When I finally pay off that last student loan, then I can start savings and investing.” Flip this thinking on its head, and focus instead on creating spending habits that maximize your happiness and bring you closer to achieving your long-term goals. continue reading » 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Published on February 24, 2015 at 12:07 am Contact Liam: firstname.lastname@example.org When Emily Costales sprained her MCL before Syracuse went on its semester break, it forced her to miss six games. But when she came back in January, she said the time off — if anything — helped her.As a result, her skating has gotten quicker and smoother, and the trainers have helped her play better than she did before the injury.“It’s actually helped my skating,” Costales said. “I feel a lot stronger and I’m more confident skating out there.”A healthy Costales now skates on the top line with Melissa Piacentini and Stephanie Grossi, who lead Syracuse in points with 29 and 28, respectively. Coastales has only improved as the season has progressed, tallying three points in the last five games of the regular season.“Coming back and playing with Steph and Tini has really helped me because they are so quick,” Costales said. “I’ve had to keep up with their speed and I think that it not only forced me to readjust, but forced me to play better than I was before I got hurt.”AdvertisementThis is placeholder textLess of a scorer than her linemates, Costales uses her aggressiveness and awareness to poach loose pucks.Costales has thrived in Alysha Burriss’ spot as the third option on the front line. She’s been more active and picked up her game, elevating it to accompany that of Grossi and Piacentini.“We made the decision to create more balance,” Flanagan said. “… I think after a while we started to become a one-dimensional team offensively. Emily brings different style and skills to that line and its worked.”Flanagan called Costales “cerebral,” noting that the freshman forward seems to always be in the right spot at the right time. Senior captain Julie Knerr said Costales may have been unsure of herself at the beginning of the season, but has begun to make plays instinctively.A lot of the drills the Orange run in practice are line based, so the cohesiveness of the unit has flourished. Grossi and Piacentini have played with each other for most of the year, but Costales needed practice to help build chemistry with the other two. The trio all play and skate quickly, which has helped them mesh well together.The three-on-two drills in the offensive zone have helped Costales feel more comfortable cycling the puck and then crashing the net for rebounds when Grossi and Piacentini shoot. In a 3-1 win over Lindenwood on Feb. 14, Costales did just that, poking home a rebound off a blocked Piacentini shot.Flanagan said he is asking Grossi and Piacentini to shoulder a large load for the team and if one of them is having an off night on the ice, someone is going to need to step in and help score goals.“She’s a bit bigger than those two,” Knerr said. “… She compliments them well because she goes to the net hard. They put the puck on net a lot and Emily’s there for rebound chances.”It’s not just playing with Piacentini and Grossi that makes Costales a good player. Flanagan said that she has done a good job this season contributing, regardless of the line she plays on.She’ll be crucial as SU starts its playoff run next weekend.“We need her to keep putting points on the board,” Knerr said. “… If she keeps playing like she has been, we’re going to be much better offensively and keep winning games.” Comments Facebook Twitter Google+