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Nature of Insurance

   The concept of insurance
    involves risk pooling or
    spreading losses over a greater
    number of people.

   An insurance company collects
    and pools premiums from many
    individuals or businesses for the
    payment of future claims.
Risk Management

   All people take risks every day.
   Risk management is the
    process of managing one’s
    exposure to risk.
       Examples
         Using a seat belt
         Installing smoke detectors
         Driving a vehicle
         Playing sports
         Purchasing an insurance policy
Risk Management
   Options for people to manage risk include
      Transfer part of risk of financial loss to an
        insurance company
           Auto, life, health, disability, property
      Retain (keep) the risk of financial loss using
        high deductible
      Abstain or choose not to participate in risky
           Do not drive car, buy home, play sports, etc.

   People make decisions about insurance based on
    their individual situation and risk tolerance.

   An adhesion contract is a standard form
    contract that is written primarily by one party
   Insurance policies are adhesion contracts

   Policyholder (buyer) cannot usually change:
       Policy language
       Perils covered
   Policyholder can change:
       The dollar limit of coverage
            Example- $200,000 coverage on homeowner’s
       Specific items to be covered
            Example- 1 carat diamond ring, valued at $3000
   Some adhesions contracts are found by courts
    to be unconscionable if they take advantage of
    one party

   Planned protection provided by
    sharing economic losses
   Insurance does NOT stop the loss
    from happening
   Insurance companies provide a risk
    management service to consumers
   Insurance does indemnify or
    financially repay the insured a
    portion of the loss
   All insurance policies have a
    specified limit of coverage
Insurance – Basic Terms

   Insurance policy- A contract issued
    by the insurance company (insurer)
    for coverage of the policyholder
       An insurance policy should be kept
        in a safe place with other important
   Policyholder- The person who buys
    or owns the policy
   Insured – The person whose life or
    property is insured, may or may not
    also be the policyholder
More Basic Terms

   Insurer- The insurance company
    that provides planned protection
    against economic losses

   Binder- A temporary document
    proving the insurance contract is
    in force until the actual policy is
    issued by the insurer
Insurable Interest

   A financial interest in property or a
    person’s life that permits someone to
    buy insurance to protect against the
    financial loss of that property or
    person’s life
   Examples:
       You can insure cars owned or leased by
        you, but not a car belonging to another
       You can purchase life insurance on
        someone whose death would be a
        financial loss to you, ie spouse,
        business partner, parent, child

   The amount of money the
    policyholder must pay for insurance
   An insurance underwriter
    determines the cost of the policy
    using risk factors and statistical data
   An agent represents the company to
    the consumer
   Equals consideration in the
    insurance contract
Non-Payment of Premium

   If the premium is not paid, the policy
    may lapse or cancel, voiding the
   If claims are made after a lapse,
    the claim is denied
   Some policies have a grace period
       Late premiums are received and
       Policies are reinstated

   The request for payment from
    an insurance company to cover
    the financial losses
   Examples:
     Automobile-car accident
     Medical-doctor’s appointment
     Life-covered person dies
     Disability-out of work for health
     Unemployment-laid off from job
   Most policies have a self-insured portion of
    the cost of the claim that is paid by the
       The insured chooses the amount of risk retained
        by choosing the deductible amount
       Deductible
            On auto coverage, the amount the insured pays
             before the insurer pays collision or
             comprehensive damage claims
            On health coverage, the amount the patient pays
             before the insurance company pays any covered
             medical expenses
       The higher the deductible chosen by the
        insured, the lower the premium for the coverage.
       100% self insurance = 100% risk retention
            means no insurance is purchased

   Limitations to policy coverages
   Examples:
       No coverage for flood on homeowners
       No coverage for CD player in car unless
        permanently attached to vehicle
       No coverage for self inflicted injury filed
        as worker’s compensation claim
Insurance Fraud

   False claims made to an
    insurance company
   Federal prosecution is frequent
    under mail and wire fraud
    schemes because the USPS is
Insurance Fraud

   Examples:
       Inflated cost of damage repairs
       Staging car accidents (felony)
       Arson for profit (felony)
       Faked deaths for life insurance (felony)
       Overstated health care billings or service not
       Phony workers compensation filed when hurt at
        home not work
       False statements made on an application may
        also create a voidable contract for the insurance
Auto Claims

   The at fault driver of a vehicle
    that damages other property or
    injures other people is liable for
    the cost of repairs.
Bodily Injury Liability

     Bodily Injury Liability protects the
      insured person from liability claims
      for injury to:
        People in other cars
        Passengers riding with the insured

     DOES NOT cover the insured
      person (driver)
Property Damage Liability
     Property Damage Liability protects the
      insured person from liability claims for
      damage to property of others, such as:
          Personal property including vehicles,
          Business property including telephone poles
           and other utility structures
          Government property such as bridges and
           other road structures
          Real property
     Does NOT cover the insured person’s
Optional Auto Coverage-
   Protects the vehicle owner against
    damage from a collision with another
    object or the vehicle turning over
   Covers the cost of:
       Repair to insured’s vehicle
   Charges points to insurance if claim
   Points make premiums increase.
   Does NOT cover injuries to people
Optional Auto Coverage-
   Although not required by financial
    responsibility law, collision is
       Usually required by a lienholder if loan
        on vehicle is not paid in full
   A lienholder is a bank, individual or
    loan company who holds a secured
    interest in the property until the loan
    is paid in full.
   Example: If car catches fire and loan
    is still outstanding, the claim dollars
    are paid to insured and lienholder.
Collision Claim Payments

   Insurance company may pay either the
       Cost to repair insured vehicle less deductible,
       Actual cash value, market value or NADA
        Bluebook value of a total loss vehicle less
   The insurance company does not consider
    the loan balance when settling a claim!
    The loan balance is an issue for the owner.
    Loan balance may be more than a
    vehicle’s value!
Comprehensive Auto
   Protects the insured vehicle against
    damage from almost all damages except
       Fire
       Theft
       Vandalism
       Hail
       Windstorm
       Windshield damages
       Collision with wild animal including fowls
   Does NOT charge points when claim is
Motorist Coverage
   Protects policyholder against drivers
       Without insurance insurance to cover
        the loss suffered
       Without enough insurance to cover the
        loss suffered
   Examples:
       Hit and run drivers
       Drivers who let insurance policy lapse
       Drivers involved in serious accidents
        who carry low $ liability limits of
Other Auto Coverage

   Medical payments - Covers
    anyone in vehicle or hurt by
    vehicle, even if not moving
       Ex: Broken finger by closing finger
        in door or trunk, pedestrians
   Towing Expense - Pays tow
   Rental Reimbursement -
    Covers cost of rental when
    vehicle being repaired due to
No Fault Insurance

   The insurer of each party involved in
    accident pays the insured loss
    regardless of fault
   Not required to prove fault of one
    party over the other
       Reduces time delays for claim
        settlement especially in bodily injury
        lawsuit cases
       Reduces money spent to resolve the
Cost of Insurance

   Insurance companies legally discriminate
    by using:
       Relevant statistical data and
       Risk factors related to the insurance type
   Underwriters at companies “rate” to
    determine the premium cost for the
    coverage requested.
       Standard premiums may be rated up for hazards
            Points for tickets or accidents on auto insurance
            Health issues on life/health insurance
Factors Affecting Cost of
Auto Insurance
     Type of coverage
     $ Limit of coverage
     Risk retention -Deductible amount
     Experience rating – how long driver has
      been licensed (AGE IS NOT A
     At fault Accidents (Points)
     Tickets (Points)
     Type of Vehicle - Value, reparability,
      engine size, style
     Geographic area- Urban, suburban,
     Use of Vehicle - Distance driven and
     Company
Life Insurance

   Provides income to dependents
    or other named beneficiaries in
    the event of the insured
    person’s death.
   Face value- the amount of
    protection stated in the policy
       Example: Marla buys a $100,000
        face value life insurance policy.
        Marla dies. Marla’ s beneficiaries
        will get $100,000 in proceeds.

   The policyholder names a
   Can be an individual or business
   Beneficiary receives proceeds from
    a life insurance claim.
   Proceeds is the money paid to a
    survivor by a life insurance policy.
   Contingent beneficiaries named in
    the policy are second in line if the
    beneficiary is deceased.
Life Insurance Advantages

   Face amount is paid as
    proceeds to beneficiary
   Proceeds are NOT taxable by
    income, estate or inheritance tax
   Proceeds are paid direct to
   Proceeds avoid probate.
Term Life Insurance

   Term life is temporary insurance.
       Only pays if insured dies during policy
       Purchased for a specific term (one year
        or multiple years)
       Usually renewable for another term
       Least expensive premium for most
       Pure insurance, no savings add up
Whole Life Insurance

   Permanent insurance for lifetime of
   Premium is more.
   Excess premium creates savings
    called cash value.
   Cash value can be:
       Withdrawn by policyholder as loan
       Used to buy more paid up insurance
       Used to pay current premium
Other Types of Life Insurance
Supplemental Information
   Limited pay life - stop paying after a
    specified # of years without lapse
   Universal life - blend of term and whole
   Endowment - lump sum paid in advance
   Variable life - cash value builds in
    investment chosen by policyholder
   Accidental death & dismemberment - for
    deaths due to accident or loss of limb
Cost Factors for Life
   Type of insurance
   Age of insured
   Health of insured
   Gender (sex) of insured
   Face amount – Dollar amount of
    coverage provided by the life
   Company
Property/Casualty Insurance

   Types of policies :
     Fire policies
     Renter’s policies

     Homeowner’s policies

     *Supplemental - marine insurance
Property and Casualty
   Covers both individual and
    business property such as:
     Real Property: Houses,
      apartments, condos, office
      buildings and other structures
     Personal property: Jewelry,
      furniture, clothing, equipment,
      artwork and other valuables
Fire Policy

   A very basic policy covering loss
    resulting directly or proximately
    from an unfriendly fire.
     Unfriendly or hostile fire is
      uncontrollable or has escaped
      from the place where it should be.
     A friendly fire is a bonfire, furnace
      fire, fire in a fireplace unless it
      gets out of control.
Fire Policy

   Owner of property rented to
    others protects investment in
    structure with a fire policy.
    Owner has insurable interest in
    the property, but not in tenant’s
   Examples:
     Apartment
     Condo

     Office building
Renter’s Insurance

   Covered under Homeowner’s 4 Form
   Person who rents real estate from
    another but has personal contents
    on premise carries renter’s insurance
    to insure:
       personal contents
       against liability risk
   Insurable Interest law applies. A
    person can only insure his own
    property, not another’s property.
Renter’s Insurance

   Protection includes:
       Personal contents of tenant in an
        apartment, condo, mobile home or
       Personal liability if others sue tenant for
   Examples:
   Lightning strikes and damages TV
    owned by tenant
   Neighbor breaks leg when he steps
    on child’s skate left on steps and
    sues tenant for negligence
Homeowner’s Policy

   Provides coverage for:
       Home - Primary structure
       Personal property - Contents
       Related structures – Outbuildings, if any
       Loss of Use - Living expenses if insured
        can not live there due to covered
       Premise personal liability – for injuries to
        others who were on your property
Homeowner’s (HO) Policy

   Riders may extend policy for
    additional coverage for items
    such as:
        Boats
        Jewelry

        Furs

        Artworks

        Antiques

        And other special collectibles owned
         by a homeowner
Homeowner’s Insurance

   Must own home to carry policy
       HO-1 Basic - covers limited perils
       HO-2 Broad – covers extended perils
       HO-3 Special - covers most perils with
        specified exclusions
       HO-6 Condominium Owners – coverage
        like an HO-3, but for homes with
        common walls

   Peril – a cause of loss

   Homeowners policies require
    the insured to carry a minimum
    of 80% of the value of the home
    (called co-insurance) to get full
    reimbursement for a claim
       Most claims are partial losses
        leading policyholders to insure a
        home for less than value since risk
        of total loss is low.
Cost Factors of Property
   Limit of coverage for property
   Location of property – fire
    district, city, county, state
   Structural material - brick, block,
   Previous claims filed
   Company

     Must buy separate flood insurance
     Must buy separate earthquake

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The Microarchitecture of the Intel Pentium 4 processor on 90nm

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The Microarchitecture of the Intel Pentium 4 processor on 90nm Powered By Docstoc
					The Microarchitecture of the
Intel Pentium 4 processor on
      90nm Technology
   Darrell Boggs, Aravindh Baktha, et al. Desktop Platform Group, Intel Corp.
                           Intel Technology Journal, Volume 8, Issue 1, 2004

                                             Presentation by Min-woo, Song
                     Intel® NetBurstTM
•   Intel NetBurst
     – Performance to scale efficiently to high frequencies
     – The foundation for future IA-32 processors to deliver
       industry leading performance for the next several years
     – The design efforts
          Hyper-pipelining to enable higher processor frequencies
          Keeping the high-frequency execution units busy by increasing the system bandwidth
           and overlapping computations with memory access
          Enhanced OOO execution engine capable of finding more instructions to execute with
           deeper OOO resources
          Reducing the number of instructions needed to complete a task or program

     – Execution Trace cache
     – Out-of-Order Core
     – Rapid Execution Engine(REE)
• Innovative features

   – 400-Mhz system bus
        A 100Mhz clocked & 64-bit system bus and a buffering scheme
        Quad-pumped (3.2GB/s)
• Innovative features (cont’d)
   – Advanced Transfer Cache
          On-die L2 cache with 256-KB 8-way set, and 128-byte cache line
          64-byte interface to the system
          256-bit (32-byte) interface to the core ( 48GB/s = 32 byte * 1.5 GHz)
          7-clock read latency
   – Hyper-pipelined technology

        20-stage pipeline (Pentium 3 & Athlon 11 : 10-stage pipeline)
        Increased processor performance and frequency scalability
   – Rapid Execution Engine
        4 fast execution units (execution of certain instructions in ½ core clock)
          - 2 double-pumped ALUs and AGUs
        1 MMX and 1 SSE units
          - 2 MMX and 2 SSE units in Pentium 3
• Innovative features (cont’d)
   – Advanced Dynamic Execution
       Deep, OOO speculative execution engine
       Instruction window for up to 126 instruction (42 instruction in
        Pentium 3)
       Enhanced branch prediction capability
           Reducing 33% of the mispredictions of Pentium 3.
           4-KB BTB (8 times as large as one in Pentium 3)
   – Execution Trace Cache
       Primary instruction cache
       Store of decoded IA-32 instructions (u-op) in the path of program
       can hold 12K u-ops and deliver up to 3 u-ops per cycle
   – Streaming SIMD Extension 2 (SSE2)
       Adding 144 instructions for 128-bit integer arithmetic and double-
        precision FP
                            Pentium 4
• Additional Pentium 4 components
   – L1 cache
        Only 8-KB data L1 cache
             16-KB instruction L1 cache and 16-KB data L1 cache in Pentium 3
             1/8 of Athlon’s
        8-way set associative, 64-byte line
        LRU
   – Branch prediction
        predicts all near branches
        BTB and branch history table
        The static predictor – forward not-taken, backward taken – before BTB is
        Return Stack – 16 entries
• Block diagram
           Hyper-Threading (HT)
• Characteristics
   – First implemented in Intel® Xeon™ processors
   – System requirements for Pentium 4
          The Intel Pentium 4 processor at 3.06 GHz or higher
          An Intel® chipset that supports HT Technology
          System BIOS supports HT Technology and has it enabled
          An operating system that includes optimizations for HT Technology
              Microsoft windows : Windows XP series (professional/home edition) - optimized
              Linux : Working with Linux Community to get necessary optimizations for HT
               Technology included in distributions
• Concept
   – Hyper-Threading Technology appears to software as multiple (2) logical
     processors in one physical processor package.
   – For each logical processor,
        Having a complete set of architectural registers
        Sharing on single physical processor’s resources
        Responding to interrupts independently
   – Increased utilization of the execution resources within each physical
     processor package
         Hyper-Threading (HT)
• Resource Utilization
                 i850 Chipset
• MCH and ICH2

                  Intel Pentium 4 system
              Out-of-Order Core
• Main responsibility is to extract parallelism
• Heart of OOO core is uop scheduling
• Scheduler
   – Determine, when a uop is ready to execute about input register
   – Schedule, when execution resources are available (data
     dependent order)
• 5 different schedulers
 Rapid Execution Engine(REE)
• REE execute up to six uops per main clock cycle.
• 8-way set associative write-through cache, 64 byte cache
• Cache has unique access algorithms for low latency
   – Almost accesses hit L1 cache and DTLB
                   Front End
• Static prediction
• Dynamic prediction
• Set of instructions
               Execution Core
•   Shifter/rotator block
•   Integer multiply
•   L1 data cache
•   Scheduler
•   Load uop instruction
•   SSE/SSE2/SSE3 instructions
                Memory System
• Focus on
   – Trying to reduce amount of time spent waiting for data to be
     fetched from DRAM
   – Increasing the size of critical resources
   – Increase size of cache, 1MB L2 cache
   – 8-way set associative cache, 128-byte lines
• Software prefetch
   – By programmer before data used.
   – Special fault-handling logic
• Hardware prefetch scheme
          Complex Arithmetic
• Acoustic Echo Canceller
• 5 instructions added
   – addsubps, addsubpd
   – movsldup, movshdup, movddup
• SSE3
       Thread Synchronization
• HT processing instructions
   – Monitor
      • sets up HW to detect stores to an address range, a cache line
          – Or called Monitor event pending flag
      • Its value is not visible except mwait.
   – Mwait
      • puts processor into the special low-power/optimized state

   – Monitor & Mwait instructions must be coded into same loop
      • Cause mwait execution will clear monitor addr-state.
    Desktop performance Expectation
• Clock frequency and Performance
   – An increase in frequency didn’t yield performance increases equal to the
     frequency increases

   – Greater performance scaling in Pentium 4
        Recompilation/linking using the latest NetBurst MA-optimized compilers
         and libraries

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Document Sample
Building Permits
1. Information required for approval of permit for building construction: a. Site plan showing all existing and proposed structures with dimensions of buildings and distance to lot lines. b. Copy of current survey, lot lines must be clearly marked. c. Drawings of proposed structure including floor plan with dimensions. d. Construction materials to be used for exterior finish and roof. 2. Any individual requesting a deviation from the building restrictions must submit an application for variance. All variances must be approved by the Operations Committee. If no variance is received, it is assumed that all structures on the owners property will be built in compliance with the Hiawatha Club’s building restrictions. It is the owner responsibility to maintain compliance. 3. Joint ownership of the Building Site & Building is permissible with spouse or child, providing said spouse or child has a membership in their name or become a member of the Club, pursuant to the procedure as set forth in the by-laws, previous to assuming full possession of building site & building. Any building which extends beyond designated setbacks or onto an adjoining lot requires the ownership of the affected lot and the building so constructed be vested in the same party or parties. 4. Sanitary disposal: A permit from the Luce-West Mackinac Health Department in Newberry is required for all drain field or well drilling.

Site Plan
5. Size restrictions for dwellings: Minimum square feet, first floor, including covered porches but excluding attached garages: 768 feet (24'x 32').

6. Size restrictions for outbuildings: None to exceed 832 square feet (26'x32’); not more than one outbuilding, excluding boathouses or boat shelters; boathouses or shelter require special permit. Portable sheds, gazebos, ground mounted satellite dishes and fences are considered outbuilding and require a building permit. Portable sheds shall not exceed 96 square feet (8’ x 12’). 7. Minimum setbacks for all structures: Frontage (water side for first tier lots or the road for second tier lots) 25 feet from front lot line but not less than 10 feet from high water line within the lot due to erosion. Approved exceptions are specifically permitted where this setback would preclude a view of the water on which the building site fronts. Rear line (including garage, outbuildings or other adjacent structures) - 20 feet. Side lines - 10 feet each side. 8. Site: Must conform or be compatible with surrounding area.

Construction Codes
9. Construction: Roofing must be Class C or better (no roll roofing, with a 4/12 roof pitch; electrical and plumbing must comply with State Code. Chimney must be Class B or better, and comply with State Codes; heating apparatus must have UL label; all fireplaces must have spark arresters and a hearth with a fireproof foundation. 10. Mobile homes and pole barns are prohibited. All enclosed areas must be set on a concrete foundation. All modular homes must be constructed to B.O.C.A. standards (Building Officials and Code Administrators). 11. Construction must begin within 90 days of issuance of permit. Contractor must notify Club office on starting date. 12. Completion: Exterior of building must be completed within one calendar year from beginning of construction; clean up of "contractor's rubbish" must be completed within 30 days of completion of exterior; repair of site must be completed within one year of completion of exterior.

Hiawatha Sportsman's Club Application and Permit for Building
Name of Applicant________________________________ Date __________________________ Address________________________________________________________________________ Building Site, Subdivision________________________________Lot (s) No. ________________ Proposed Structure _____________General Contractor________________________________
(House, Garage, Shed, Fence, Etc.)

Size of Building; Dimensions______ by _____; Area _______Square Feet; Height ______stories Materials; Framing _____________________; Exterior Finish ___________; Roof____________
(wood, block, log) (vinyl, log, brick) (shingle, wood)

Building Location, Labeled ‘B’ on layout
Setback from front lot line ______feet Setback from rear lot line ______feet Set-in from left lot line ______feet

Front Line

Set-in from right lot line ______feet

Septic tank, Labeled ‘T’ on layout Septic field, Labeled ‘F’ on layout
Capacity Drain field _____________gallons ______________feet
Left Right

County permit, date_____________

Water well, labeled ‘W’ on layout
On this lot, yes or no __________ If not, name source __________ Rear Line

Construction dates, Start _________
Completion _________

Have you read the Hiawatha Sportsman's Club Building Restrictions (circle one) Yes No Does your application meet the requirements of the current building restrictions of the Hiawatha Sportsman's Club? Yes No (circle one) If “no” has been circled you must submit an application for building restriction variance. Signature of Applicant__________________________________ Date _____________________
The applicant hereon is approved for the construction, subject to the Clubs ‘ BUILDING RESTRICTIONS’.

Manager _____________________________________________ Date _____________________

Hiawatha Sportsman's Club Application for Building Restrictions Variance
Name of Applicant________________________________________ Date __________________ Address________________________________________________________________________ Building Site, Subdivision_______________________________ Lot (s) No. ________________ What building restriction are you requesting a variance from: __________________________ _______________________________________________________________________________ _______________________________________________________________________________ Describe the requested variance and why it is necessary: _______________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ What other options have you explored: _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________

Signature of Applicant: ____________________ Date _____________________

President: _______________________________ Date _____________________ Vice President: ___________________________ Date _____________________ Secretary: _______________________________ Date _____________________ Treasurer: _______________________________ Date _____________________
The applicant hereon is approved for the construction of a non-conforming structure with the approved variances described above unless noted hereafter. _______________________________________________________________________________________ _______________________________________________________________________________________ _______________________________________________________________________________________ _______________________________________________________________________________________ _______________________________________________________________________________________


text:
Narrative Writing Review - Glynn County Schools.ppt

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Narrative Writing Review - Glynn County Schools.ppt Powered By Docstoc
					Narrative Writing
What is a Narrative?

 § When you take the Grade 5 Writing
   Assessment, one type of prompt you could
   receive is a narrative prompt. These prompts
   have certain signal words and phrases like
   “write a short story about….” or “write about
   your experience.” The prompt will ask for you
   to write about a real experience or one from
   your imagination.
 § Remember to use the checklist you are given.
Qualities of a Narrative
§   Is lively and imaginative
§   Has vivid descriptions of people, places, and
§   Includes setting, characters, a plot with conflict,
    and a solution
§   Has a beginning, a middle, and an end
§   Can include story elements like foreshadowing,
    flash back, dialogue, and suspense
§   Includes precise language to tell what happens
§   Contains logical organization, a variety of correct
    sentences, and proper grammar and mechanics.
Grabbing the Reader
§ Start your story in a way that will make your reader
  want to keep reading.
§ Sometimes a sentence or question at the start will
  make the reader want to find out more.
§ Which example is the best?
§ Example 1: Once there was a little girl who was
  sad because she was poor, so she dreamed about
  a better life.
§ Example 2: Dreams are all some people
  have…one sad, poor girl knew this, so she
  dreamed so hard that someone listened.
§ The first example is pretty boring. It simply tells
  that the story will be of a poor girl who dreams of a
  better life. The second example is written in a way
  that makes the reader curious.
Ways to Grab the Reader

 Method                            Example

 Ask a question that makes the     Have you ever done something
 reader want to know what you’re   just because someone told you
 talking about.                    not to?
 Begin with an uncommon trait of   Alex had always been curious
 your main character.              about clocks, so he took all of
                                   them apart.
 Start with an action that makes   When the invitation arrived in the
 the reader wonder why it          mail, I threw it in the trash right
 happened.                         away.
§ The setting is the time and place a story takes place.
§ A personal narrative takes place sometime in your life. An
  imaginative story can take place anytime, including the
§ When you write, you need to provide clues about when and
  where the story is happening.
§ You should use precise and vivid words to describe the
  setting in detail.
§ Which is the best example?
§ Example 1: I was sitting in my very messy bedroom.
§ Example 2: I sat on the only clean patch of the floor in my
  bedroom. Around me were dirty clothes, papers from
  school, half eaten candy bars, and games with missing

 § Be sure to include characters.
 § Tell the reader important things about the
 § This might include what they look like
   and how they act.

 § A story needs an interesting plot
 § There should be an introduction in which we
   learn a little about the characters and setting.
 § Then, the action builds, and we learn about the
 § The action builds to a climax.
 § After that we see the resolution when
   everything is solved.

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Survey Results

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Public Opinion Survey Summary Report July 2008

INTRODUCTION AND METHODOLOGY In an effort to involve Butler residents in the planning process, the Town Planning Board conducted a public opinion survey in the fall of 2007. A survey was distributed to all Town of Butler households that were on Wayne County’s Board of Elections address list. Each survey packet contained a questionnaire and a comment sheet. Extra surveys were made available at the Town Hall, Pick-Me-Up’s, and Dave’s Store to accommodate those residents who did not directly receive a mailed survey. Residents were asked to return the survey after completion so that results could be tabulated. The survey was designed to protect the anonymity of respondents. Approximately 623 surveys were mailed out using the household addresses from the County’s Board of Elections. An estimated 4 surveys were picked up at the Town Hall, so total distribution was 627. A total of 122 surveys were returned and tabulated, which indicates a response rate of 19.5%. This is an average response rate for a public opinion planning survey. The survey questionnaire included 18 questions. The questions covered such topics as: demographic and background information, where residents shop for goods and services, reasons for choosing to live in Butler, problems in the community, topics of priority, sentiments regarding policy, and sentiments regarding historic resources and Town government. Residents were also asked to provide any suggestions or comments to assist the Town in planning for the future. Where possible, the demographic information collected through the survey was compared to data from the 2000 Census of Population to ascertain if certain demographic groups were over represented or under represented in the survey.

WHO RESPONDED TO THE SURVEY Of all those who responded to the survey, 51.6% of them were men and 44.3% were women (4.1% of respondents did not indicate gender). The youngest and oldest respondents were ages 21 and 94, respectively. The average age of respondents was 56 years. Of the 117 people who indicated their race, 116 were white, and one considered him or herself as “other race”. The majority of survey respondents owned their residence (93.4%), as opposed to renters (5.7%). Nearly three-quarters of the respondents were longer-term Butler residents; 73% had resided in Butler more than 10 years, 15.6% between 4 and 10 years, 7.4% between 1 and 3 years, and 3.3% had lived in Butler for less than one year. Slightly more than one-third (35.2%) of the respondents indicated they did not work. Considering the ages of those who responded, this likely means a large percentage of those who don’t work are likely retired. A total of 19.6% indicated they either worked in Butler or at home. 28.7% of respondents indicated they worked elsewhere in Wayne County, while 18.9% indicated they worked outside of Wayne County. The 2000 Census indicated that of those in

the work force, 27% worked in Butler, 48.4% worked elsewhere in Wayne County, and 24.4% worked outside Wayne County. A comparison of the 2000 U.S. Census data with the demographic data of the survey respondents revealed that some demographic groups were under represented in the survey and others over represented. According to the U.S. Census, the median age in the Town was 36.2 years. Furthermore, the Census indicates that those in the age range from 55 to 59 years only constituted 5% of the Town’s population in 2000. Groups that were under represented included (1) persons of both genders in the age groups 2034, who represent 20.7% of the Town’s population, but only 9.8% of respondents were within a similar age range (20-35); (2) renters, as 5.7% of respondents indicated they rented, whereas 18.4% of the Town’s population were renters in 2000. The age range that was overrepresented included the ages between 66 and 80, who accounted for 18.9% of respondents. In contrast, the Census indicates that only 9.7% of the Town’s population was between the ages of 65 and 84. Homeowners were slightly over-represented in that they accounted for 93.4% of survey responses, whereas 81.6% of the Census population was homeowners. The 2000 Census indicates the Town contained 743 households. Feedback on the public opinion survey primarily came from those households that contained a resident that was registered to vote. Again, the Town used the address list from the Wayne County Board of Elections, which has addresses of those households that contain someone who is registered to vote. Therefore, 83.8% of total households were surveyed, leaving 120 households that did not receive a mailing. Considering the average household size of 3.07, there are an estimated 368 town residents that did not receive a survey mailing. Any mailed, self-administered survey will entail some biases as the survey respondents are selfselected. It should be pointed out that the results of the Butler Planning Board Public Opinion Survey provide only one source of information for the comprehensive planning process. The Comprehensive Plan Committee will also need to take into consideration various other sources of information when formulating the Comprehensive Plan.

The public opinion survey has largely collected various sentiments of the Town’s population that are over the age of 50. This is a fairly common result for this type of survey, because it is this generation that has more deep-rooted connections with their homes, and familiar surroundings where they have invested their lives. Moreover, most of the respondents have lived in the Town for over ten years. These combined demographics seem to indicate that the well-established population has invested a good amount of time, energy, and resources within the Town, and have a willingness to be involved in or influence the Town’s future. Generally, the folks who live in Butler chose to live there because they or their families have ties to, or have been a part of the community. Respondents also enjoy the rural character of the environment. Over 85% of the respondents felt the overall quality of life was either very good or good. Interestingly, the biggest problem in the Town that obtained the highest percentage of responses was that the Town lacked employment opportunities (66%) and the Town lacked economic vitality (62%). Over 80% of the respondents felt that views of rural landscape were either very important or important to them. Also important or very important are: wooded areas (78%), and farm fields and pastures (69%). Fortunately, the Town has the ability to provide for

a foundation that supports employment opportunities while also maintaining the rural town environment. Respondents to the survey indicate they would support or strongly support more arts and cultural community activities (63%), as well as a number of policies. Such policies that would be supported include: tax incentives for new or growing businesses (76%), tax incentives to keep farmers farming (69%), purchase of land to protect drinking water, rural character, and farms (70%), and preservation of historic buildings and barns (70%). In today’s environment of technologically advanced communications, the respondents feel they are under-served with the infrastructure that provides this communication. Survey respondents seem to be happy with the Town’s offerings, but would like to add a few features that would enhance their quality of life.

For ease of interpretation, the survey results are presented graphically on the following pages. Certain questions afforded survey respondents an opportunity to select multiple choices. There were also instances where a question may not have been answered by every respondent. The percentage that appears next to each available response represents the percentage of respondents who selected that response for the question. The reader should interpret the results of this survey with a generalized understanding of broad community sentiments, and not get wrapped up into the details of addressing the concerns of respondents. More public sentiments will need to be obtained before decision-making takes place with regard to the framework of the Comprehensive Plan.

TOWN OF BUTLER PLANNING BOARD PUBLIC OPINION SURVEY September 2007 The following questions are designed to help your Planning Board assess the needs and desires of the residents of the Town of Butler. Please answer them to the best of your ability. Your opinion will serve as a guide for planning our community for the next five years. This survey should take you about 10 minutes to complete. 1. How long have you lived in Butler? 7.4% 1-3 years 3.3% Less than one year 15.6% 4 – 10 years 73% More than 10 years

How old are you? 56 (Average Age); 21 (Youngest); 94 (Oldest)

66-80 Age

20-35 0.0%

9.8% 10.0% 20.0% 30.0% 40.0% 50.0%

Male 51.6%

Female 44.3%

Male 51.60%

Female 44.30%

Do you consider yourself one of the following? 95.1% White 0% African American

0.8% Other

White, 95.1%

Other, 0.8%

Does your family own or rent your residence? 93.4% Own 5.7% Rent

Ow n, 93.4%

Rent, 5.7%

Do you get your drinking water from a well or are you connected to pipes? 18.0% Public water pipes 80.3% Private Well

Private Well, 80.3%

Public Water , 18.0%

Where do you work?

Do not w ork Outside of Wayne County Elsew here in Wayne County Work at home 5.7%

Butler 0.0% 10.0%

13.9% 20.0% 30.0% 40.0%

What is the name of the store you go to most often for food?

Tops Spring Lake P&C Village Store Aldi's Save-A-Lot Wegmans Wal-Mart Bob's 0.0%

2.5% 3.3% 4.1% 4.1% 8.2% 9.0% 15.6% 22.1% 43.4% 10.0% 20.0% 30.0% 40.0% 50.0%

How far do you drive to shop for clothes? less than 10 minutes 2.5% 2.5% 10-20 minutes

94.3% over 20 minutes 0.8% I walk to the store

over 20 minutes, 94.3%

10-20 minutes, 2.5%

Less than 10 minutes, 2.5%

I walk to the store, 0.8%

Which of the following do you have at home? (check all that apply)

Internet Access

Satellite television

Cable television

How would you rate the following in the Town of Butler?

Availability of recreational 8.2% opportunities

10.7% 30.3% 23.8% 23.0%

Quality of drinking water

11.5% 6.6% 4.1%

Very Good Good

Safety of the community

Neither Bad Very Bad

Overall quality of schools

16.4% 8.2%

Overall quality of life

63.1% 3.3%

What are the top five reasons you live in Butler? (Check five reasons)
Safety Schools 26.2% 5.7% 48.4% 44.3% 41.8% 23.8% 28.7% 67.2% 67.2% 20.0% 40.0% 60.0% 80.0% 36.9%

Community events Clean environment Quality of life Cost of living Nearness to w ork Born here Rural Character Family ties 0.0%

What are the biggest problems with life in Butler? (Check five problems)
Lack of cultural diversity Traffic No place to w alk Cost of living 5.7% 21.3% 15.6% 45.1% 65.6% 61.5% 37.7% 41.8% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 18.0%

Lack of activities for youth Lack of jobs Lack of economic vitality Taxes Lack of dow ntow n area 0.0%

How important are each of the following to you?
Available public sewer Available public water Local Shopping choices Farm fields and pastures
27.0% 33.6% 19.7% 16.4% 9.8% 31.1% 26.2%

23.8% 32.8%

33.6% 36.1%

11.5% 4.9%

18.9% 10.7%

Very Important Important Somewhat Important Not Important

Historic barns and farm buildings Wooded areas Undeveloped land along streams Undeveloped wetlands Views of rural landscapes 0%

23.0% 39.3%

28.7% 10.7% 7.4% 38.5%

29.5% 25.0%

25.4% 25.4%

22.1% 23.0%

17.2% 21.3% 11.5% 3.3%

Would you support the following types of policies or programs in Butler?

Purchase of open space for use as parks 13.1%

19.7% 8.2% 2.5%

More arts and cultural community activities 12.3% Creation of multi-use trails for snowmobiles and 9.0% ATVs Construction of bicycle and walking paths

14.8% 8.2%

18.0% 5.7%

Strongly Support Support

Expansion of tourism 10.7%

18.0% 10.7% 1.6%

Oppose Strongly Oppose

Preservation of historic buildings and barns

52.5% 7.4%

13.9% 4.1% 8.2% 10.7% 4.9% 9.0%

Don’t Care

Tax incentives to new or growing businesses

Tax incentives to help farmers keep farming Purchase of land to protect drinking water, rural character and farms

42.6% 3.3% 13.1%

80% 100%

Butler has many historic resources. Do you support their preservation?

Don't care

Strongly oppose

Strongly support

Where do you get most of your information about Town Government? (check three)

Don't know

Neighbors 4.1%

Internet Radio

New spaper 0.0% 20.0% 40.0% 60.0%

72.1% 80.0%

Please provide any suggestions or comments you have to assist us in planning for Butler’s future. ______________________________________________________________________________ If you know someone that did not receive this survey or if there is someone else in your household that would like to complete a survey, you can pick up additional copies at the Butler Town Hall, Dave’s in Savannah or at Pick-Me-Ups in Butler. If you have questions, please call the Town Hall at 594-2719.

Thank you very much for completing this survey. Please watch for more opportunities to participate in the Town’s planning process.

“OTHER” OR MISCELLANEOUS RESPONSES 8. • • • • • • • • • • • • • • • • • What is the name of the store you go to most often for food? Dave's Ft. Drum Commissary Auburn area Hannibal Village Market & Aldi's. cant afford Bob's My sister shops for me Village Mart 104 store Dollar General Price Chopper Lawsons (sic) Where they have the less expensive prices BJ's Pick Me Ups Pick Me Ups BJ's Price Chopper Fulton Several different stores

• • • • • • • • • • • • • • • • • • • • • • • • • •

What are the top five reasons you live in Butler? Low taxes, good place to fly balloon Cheap house prices Taxes Solitude Neighborhood community support No other reason for being in NY Country life Good weather Friends Peace and quiet Near the water and bluffs Can't leave financially My farm This is "home" at our house. Quietness of our area Did not like to be too crowded Village of Wolcott Water and Sewer Own land for farming Friends Would move to a higher tech area if I could afford to Used to be cheap; I can't name 5 reasons Affordable Bought house in Town of Butler Taxes for no work aronb(sic) Had no choice at the time Low population, quiet Wife won’t move out of state cost of living in New York is way to high

• • • • • • • • • •

• • • • • • • • • • • • • • • • • • • •

What are the biggest problems with life in Butler? nothing offered like different grocery stores, internet, tv, phone!! hard to find community if no kids in school and don't belong to church. I would like: town/county water; I would like my ditch mowed with an arm/sickle mower so it actually cuts the weeds down over the ditch. I can't see pulling out of my driveway. It was a waste of money to use a pull behind mower like this year, next to the ditch. Water problems. Agriculture runoff, basement problems Lack of looking to future needs Water and sewer lack of community involvement or projects I have a super huge poop factory going in across the road from my house. Makes me highly consider not protecting wetlands, ag manure runoff Poor quality on highway building and upkeep. Lack of information from town board on major decisions! Taxpayers are kept uninformed regarding the expenditure of their tax dollars, town meeting minutes or whether their tax dollars should be spent to fund certain projects at all-particularly when they are not pertinent to Butler township, I.e. Wolcott Elks club parking lot paving- the Vandeusen connection does not help, how it looks, if indeed Butler money / manpower or machinery, equipment is used. Cost of living- (not necessarily Butler, NY in general). At least 30 min to doctors, large stores, etc. No good stores Need traffic control in certain places Lack of enforcement of cleaning of properties Lack of business opportunities Dial up internet Water; lots of junky homes The condition of homes in the hamlet of South Butler No public water no Time Warner cable for quicker internet access No public water or sewer for Village of South Butler No public water Technology-no cable or high speed internet access Needs cleaning up. Water/sewer (messy) Power struggle amongst town politicians When you complain about speeding in our area (Lasher Rd) nothing happens, our rd from Whiskey Hill Rd to Gaylord is a drag strip Helluva lot better in Butler township than other townships in Wayne County All list above Too slow response from fire and ambulance also needs a library Agricultural odors Lack of knowledge and responsibilities of assessors

18. •

Please provide any suggestions or comments you have to assist us in planning for Butler’s future. Grocery store (must) internet, TV, phone programs like Time Warner, etc. water, sewer alternatives, something for our children, grandchildren to have for activities in our area. (road work) Butler doesn't need to be a commercial center. There are plenty of others nearby. The value of Butler is the way it is now- agriculture and residential. The suburbs of Rochester and Syracuse are pushing closer. Let's hold on to the agricultural zoning as long as possible. This will prove profitable in the near future as this country's economy falls on hard times and/or oil supplies run low. People will turn to local agricultural communities for food and know-how. Yes, lettuce used to be grown in Rochester in greenhouses during the winter not trucked or flown in from CA! I live on Whiskey Hill Rd. It is the main road into town, yet there is no edge of the road to ride a bike or walk safely to town. There is no on-ramp for 89 to 104 E therefore trucks and traffic go down Whiskey Hill to go east on 104, the truck traffic and noise is terrible. I have owned my property for 20 years and there is still no public water, sewers, cable or other services. My taxes keep going up yet I have gotten nothing for my money in 20 years. Not one improvement. 20 years ago the snow removal was good, now the roads are hardly plowed and they keep hitting my mailbox. I hope the assessor issue is resolved quickly and legally. Do we need a state audit? I would like it if the Town board meetings were advertised in advance of the meeting and the minutes were published in the paper. I would like to see a survey done on our water tables to see how much run off and/or seepage from farm manure spraying etc. has affected our water quality. Support wind farms, town needs more public water. Please bring DSL or other high speed internet - very important for my business and personal use. That is my only complaint. I love living and working here it is a great place to raise my family and an excellent school district. I feel my taxes are fair and I have many amenities. Thank you for taking the time to listen. Economic renewal- more business opportunities with taxpayer cost. Support wind farms Have a good water and sewer system Have cable Have people observe the speed limit through Butler Center Leave it alone Need a neighborhood watch program Around 1990 you made (a gentleman) move out of his camper but you allow people living in a shed with a Tee Pee. This makes the Town look like a slum, brings the value of our home down. When people try to improve their homes you make taxes go up, maybe that is why part of Butler looks low maintenance buildings. Also when improving a house, you should not need a permit for everything you are trying to We definitely need a better sewage system and water in the town of South Butler We need rural cable access We need legal teeth to help clean up some of our dumps We need to develop our 104 corridor for jobs and taxes We need to work on grants for water/sewer to help South Butler How about building a senior living/ assisted living/ nursing home or senior center. How about hiking, walking trails, picnic area's or pet friendly walking trails? No job opportunities here. We do not have our own post office. Library. No medical office, no clinic whatsoever no dental clinics either, no drugstore or grocery store. How about a dog pound, petting farm animal establishment (ex: Storybrook farm Lollypop farm) Nursing jobs are zero here. I travel to Penfield, NY for employment. I want to applaud the Town

of Butler on taking such a great, excellent care of their roads and mowing the sides of the roads as all is so manicured. In winter they plowed and kept on top of all the snow we experienced last winter. They impress me!! Please just get me some trails to walk with my dog and a place to picnic here in Butler. Osmosis Anything you can do to attract more industry or business will create more jobs and lower taxes. We need to do both. More town wide involvement on town activities and or projects. More involvement of younger people and kids. Historical involvement okay for older residents, but what about youth? Something in Butler to get excited about. Better choices of political leaders. More intelligence and enthusiasm from town leaders. With better choices of Town Supervisors, etc, Butler residents wouldn't have to settle. I strongly oppose any more government that limits what a person can do with their land that they have bought and paid for and continue to pay a high rate of taxes on for government that doesn't work for them and schools that fail to get rid of the farms that destroy the earth. Pick up more trash on the side of roads more. I think that the next time somebody plans on building a cow farm by your house there should be a meeting held to let the residents vote yes or no. This is going to make it hard to ever sell my house. It is going to smell all the time and the noise will be awful to deal with. I would have been totally against this building going up. Maybe you don't care because you don't have to live across the road from it, but I DO CARE !! We had the chance to vote on someone building another house on their property why not this? I think the issue of Wayne County having such high taxes in relation to the rest of the United States needs to be examined. Small farmers should be helped, perhaps support organic farming. Be careful of factory farming practices, excess manure. Look into making methane from manure of large farms in Town of Butler, grants are available. Give tax breaks to landowners who put acreage for wildlife habitat. Protect wetlands. Concern about pesticides and fertilizers affecting quality of life. Push environmental concerns and educate Town of Butler residents about recycling. Solar energy, water conservation, wetlands, wildlife habitat and controlled growth. Let people alone as much as possible. Keep tourism out of most of Town of Butler except 104 corridor. Give tax incentives for printing town meetings in local newspaper. Please don't forget our teens! Keep them busy outside of school they are our future leaders and need our support, nurturing and good role models. :) Make the local police inforse (sic) speed limits! Repave rural roads not just re-stone them Access to high speed internet, better cell reception- more cell towers? The minutes of every board meeting should be in the local paper. When major issues come up, the taxpayers should receive notice so they can attend those board meetings. Stop thinking you are a law unto yourselves and that the taxpayers don't need to or have a right to know what you are all deciding to spend money on. I feel some expenditures should be voted on by the taxpayers (as far as whether or not they are necessary) and not just the town board. At least the board members could split up voter names and do a phone canvas of opinion on matters. It has been said that…" Power corrupts and absolute power corrupts absolutely." I think an independent assessor with no ties to Butler Township should be hired to assess all properties for their fair market value for the area they are selling in. Also (candidate for Highway Superintendent) campaigned stating that he would put the Highway Dept. on 4, 10-hour days this should not occur in winter because it would mean paying over-time for any work after Thursdays work ends. Too expensive for the budget. Access to high speed internet (broad band) also better cell phone reception- more cell towers.

I would like to add one thing that is really great bout the town of Butler- The highway department does an excellent job on the roads in the winter time. We live in Westbury and my friend lives across the corner in the Town of Victory. Our road is plowed, sanded and salted several times during the day. Hers only gets done a few times. I find that all of the roads in Butler that I travel on are always well taken care of. Would like to see all positions i.e. assessors (sic) voted for by public- instead of appointment. Appointment shows that public has no choice and dishonest can rear its head like in our upper government. Not at this time Assessors that assess fairly on all property and not on a whim to have (?sp) something to do. Water-sewer in 104 area Shopping, recreation - draw tourism and give kids things to do. Would you please make public the results of this survey? Thank you. Get with the program on assessment- Even, fair assessment for everyoneButler has a long way to go Can't think of any It would be nice not to have some eye-sores around here like cars lying upside down and on their sides. It looks like a slum area. Enforce landowner cleanup- more notice of town meetings and/or issues faced by the town. Hamlet of South butler-embarrassing- almost all housing looks awful- Its why we're call 315'ers should either bulldoze it or rehab- consider asking local church to sponsor a work camp and fix up the houses. Sidewalks are good for walkingApply for grants In favor of windmills to generate electricity We have a lovely rural area- please try to keep it that way. Look what has happened to Walworth and Ontario- such a lack of freedom that comes with too many people stuffed onto land for "economic" reasons. All rules and regs, town or state should apply to everyone, not a certain few Make (Town official's) position permanent. You do a great job. Thank you! The town owned land should be preserved for industrial or commercial use. We need to preserve farming but also need areas for commercial and industrial development to create tax base and create jobs. I support tourism and preservation but they won't pay the bills. Gov't needs to let private enterprise do more. There is no good method of communication but I don't know the answer. Email newsletter works for some of us. If you want more responses, should use selfaddressed stamped envelope. We like our privacy, not a lot of traffic, noise, etc. I feel there should be tax incentives for some business to come to Butler (104) I just don't want to see this area built up so much that becomes like western Wayne County You really do not need to do much you do not need to add anything just fix up what we already have if there is a run down place that is abandoned try to find out how to clean it up. Allow the countryside to stay that way people come to see it anyway because there is not much country left Push the cleanup of property with a possible fine for those who refuse to get rid of their junk and trash The planning board will do what they want to do It would be nice if we could keep up to date on what is happening in our town either by mail or email. Does Butler have a web-site available? Dial-up stinks! The Town of Butler needs to work with the Village of Wolcott for future development, recreation, parks shopping. Please keep in mind that the village of Wolcott (south end) is in the Town of Butler and they need to work together on future plans. Need to clean up Town. Enforce zoning, etc. Too many places look like junk yards.

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Be honest to everyone. Do the right thing for us tax payers. Listen to any comments that are being made. Do your best for everyone. We enjoyed your survey. We need more people get things done. The homes and lawns in the hamlet of South Butler are in terrible shape. Some should be condemned and torn down. There are homes that are empty and the lawns are unkempt. I don't tell people I'm from South Butler. I don't want anyone to wonder which dump I live in. We need to take pride in our town. More clean ups may help. I would like you to get off your butts and get public water and Time Warner cable for internet access, if there is funding available for it. Try applying for the grants they are out there for both!! (Question 15- don't support tax incentives for farmers if it smells badly/pollution) Get one qualified Assessor (Plan in works?) File for grant to get public water and sewer into S. Butler. 3) Create some zoning law or garbage ordinance to help get South Butler and Town of Butler cleaned up! (file for grant to help avoid economic burden on homeowners) I feel public water is very important not only for those of us living here already but for attracting new businesses. I am disappointed in how people care for their property- if you try to keep your place in good shape taxes are increased when nearby lawns are unmowed and teepee's are ruining the neighborhood. Some times I think parking junk cars (or whatever) in my lawn would possibly lower my taxes! There is also a culvert near my home which (as long as I've been around) has never been cleaned and the ditch that goes to Butler creek has never been maintained so whenever the snow melts or we have significant rain water comes over into my yard close to the well which concerns me since the field across the road is used for growing crops using who knows what kind of chemicals. I do like the independence of having my own well and water system in my cellar so I would not support a public water/sewer system. We would very much like to see wind turbines in the Town of Butler. Protect landscape and conservation of trees around area to keep the town and villages in Butler and surrounding area's environment Keep school taxes down. Too many rules cripple freedom, less is better. We are severely lacking in technology resources here. I have read where some rural areas are able to get grants so they may receive wireless internet. With schools requiring so much computer access (and jobs) it would be of a benefit to have low/ no cost high speed internet available in our homes. There should have been postage paid, self addressed envelopes included. The visual aspects of Butler/ South Butler is what hurts us. The needs to be cleaned up!! Expand water and sewer on the 104 area help residents clean up their property I think Butler could benefit from public water and sewer. There should be a place for the kids to play and other things for the older kids to do. One big thing is I think there should be a curfew for the teenagers in Butler. More frequent public transportation would be nice. Sidewalks would also make life easier for moms or dads trying to walk with their kids. Also there should be more places for shopping. Butler needs more activities for children that don't center around religion- as not everyone practices a religion. Also there are no playgrounds for kids. I would like to see a recreation building set up for youth. Make sure the public is aware of what’s going on. Explain to the public why planning board is so important. I would like to see from 4 corner of Whiskey Hill Rd to 4 corners of Wolcott Rd on Lasher Rd children at play or 45 speed zones. I have a grandson, he's just turning 5 years, he rides bus #( ). There is 42 children who rides his bus, there are at least 10 to 15 of those children who ride his

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bus whose signs would be a good start for Butler area, to slow down these people who have lead feet even if you could put the signs up to Gaylord Rd would help out 15 kids. More stores for Butler. New hunting land in Butler Someplace for the kids do things Clean up Butler so more people will want to live there. We have 104 for snowmobiles, use for ATV's. I don't think we can afford to preserve too much, who will keep taking care of these buildings? Simple common laws Town has nothing pertaining to business. Revision of junk law to include everyone I think Butler Road crew does a really great job on the roads (snow removal and repairs). Leave things alone as they are None but I'll vote The towns of Butler, Rose, Huron and Wolcott are the Towns wide open for expansion, due to the "city" influence getting closer. Any futuristic planning needs to be done with "open eyes" and broad perspectives. I support wind. I drive thru S. Butler (Route 89) on my way to Savannah and I am very disappointed with the way that area looks, very messy, junk cars, junky buildings garbage all over. Is there a zoning law against this? They (the people) should clean up that whole area. Put some good jobs in Butler not just farms for Mexicans and political. We need jobs that support the honest working person that want the best for their family. Not just family owned business that helps keep people here that aren't afraid to travel to get the best of clothes, etc. I live (in the southeast part of Town). I have worked real hard to clean this place up. There was junk all along the road. We, my friends and I, have moved over 150 tons of this junk to make this place clean. I would love to own this place and keep cleaning it up but I need funds to do this. (The landowner) wants $59,000 for me to own this. Why couldn't this town help me purchase this place? I would donate the 6 or so acres on the other side of the road of the Town for the kids to have a place to have fun without getting in trouble. Keep things as they are simple and rural do not develop the 104 corridor. Most importantly- keep roads maintained but do not widen and straighten them. No Bars either- drink at home. New York is taxing business out of this state between power, workers comp, and all the social programs that New York mandates and puts the burden on County and local government. There is no such thing as free money from the state. We are paying for it. Tourism creates low paying jobs whether it’s in the mall at Carousel or out here in the country. Don Colvin said- and I'll quote Western Wayne County is where County money should be spent not in the eastern welfare part of county. Reduce agricultural odors Reduce speed limits on country roads More nature trails-foot trails I may be incorrect but comparing services other communities get it seems our taxes are very high. In my day we did not have all these upscale schools. Just for example look at the wall that Cato School built in one of there (sic) parking lots. Was that really necessary. Require cleaning of properties of debris and junk. Town of South Butler looks like a slum area. Create improvements without increasing taxes such as city water and sewer businesses to help the community for jobs and to stop allowing farmers deductions and lower property taxes for the farmers benefit. Encourage more business to Butler and anything else we can do to bring the community and township up to the years of 2000. Update this town with interest for all. Have to go to other places to enjoy parks, walk, biking, shopping etc. Let’s keep our money in town. Hire only qualified people for jobs pay them well


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Make Money via Internet

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Make Money via Internet Powered By Docstoc
					          Make Money via Internet
        How to Make Real Money via Internet?
  How to start your own Internet Business with a little
 Learn the real way to Start Internet Based Business in
                      Easy Steps!

STEP-BY-STEP: Guidance & Tips for Starting your
own Internet Business & Making Money Online!
       By Syed Najam Ahmed, Qualified Google Advertising

If I had to start over again today, from scratch, this is
how I would do it...

                                   Step 1:
Think... what you want to do?

       What are your interests?

       What are your passions?

       What are your areas of expertise?

       What you don't want to do?

       What you don't like at your current job?

       What are the things and situations you avoid?

                                   Step 2:
Think... about an easily targetable niche market...

Finding a niche market is about finding a specific and highly focused
group of people who are looking for something on the internet, but not
finding it.
About 50% of Internet start-ups fail because they do not do this!

Web sites to explore potential niche markets:
   Overture Keyword Selector Tool

      iWebTool Keyword Tool

   Important Tip: Do not just look for products or services... look for a
   problem to solve.
                                   Step 3:
   Decide... what you are going to sell

          Physical product (e.g. home decoration items, furniture,
           antiques, or whatever you want to sell)

          Information product (e.g. how-to ebooks, training material

          Service (e.g. training lessons, training classes etc.)

          Affiliate product (recommend some specialty web sites for a

          Resellership (selling quality brand products for a higher

          Freelancing / Consulting (contract with some company to
           provide them your services on a particular topic)

   By the way, Information product is the most profitable thing you can
   sell online! because it almost costs you nothing to develop it,
   manufacture it, warehouse it and to ship it. You earn big profit selling
   information products.
                                   Step 4:
   Write you sales copy (sales letter)

   Do it yourself

          Most affordable

          You'll learn marketing skills

          You can do it!
Hire a Sales letter writer (copywriter)

      No sales letter writer (copywriter) will work for under US$100

Sales Letter - Search on the web

      Try finding some sample Sales Letters through the web - that
       you can customize accordingly.

You can write a better sales letter for your own product. You need to
concentrate on the problem of your target market and the solution
your product provide them.
                               Step 5:
Choose a Domain Name

Choose a domain name that reflects what products or services you

For example,

    etc.

You can use other variations and choose a .Net or .Biz domain if your
favorite domain is not available with .com.

      Visit to look for your required domain.

      Avail Free .COM for 1 year with Free Web Hosting for 3

                             Step 6:
Design your web site...

Do it yourself:

      You should have some working knowledge of HTML and
       Microsoft FrontPage or Macromedia Dreamweaver.

      You should enjoy the process of web design; if you would like to
       do it yourself.

Hire a Web Designer:

      You may have a web designer make a web site for you, but it may
       cost you in between $40 to $200 or more

Buy a web site template:

      Affordable ($5 - $40 or more)

      Fabulous selection of design

      Saves your time that you can devote somewhere else.

      You may check these sites for templates:

    etc.

Buy a web hosting package:

      Avail Free .COM for 1 year with Free Web Hosting for 3 months

      Important: Click Here to read 50 Tips regarding web designing that
       increase your sales too!

                               Step 7:
Start accepting Payments via all major Credit Cards (Master, Visa,
American Express, Discover etc.)

Merchant Account:
      Very expensive for most startups

      Lengthy application process

      Not suitable for small businesses and economical products/services

Pay Pal:

      No setup fees

      Inexpensive per transaction fees

      Recognized and trusted name by users

      but, PayPal is NOT acceptable / supported in Pakistan and many
       other countries.

Best Option "2CO": - Click Here to apply now and start accepting payments
within few hours!

      50$ setup fee

      Inexpensive per transaction fees

      Recognized and trusted name by users

      I'm personally satisfied with their services and payment procedure.

      Accepted in Pakistan and all other countries.

                                  Step 8:
   Buy Pay-per-Click (PPC) Traffic from Yahoo Search Marketing
   and Google AdWords...

   At first, identify your top 100 keyword / phrases by visiting:

          Overture Keyword Selector Tool

          iWebTool Keyword Tool
   then, buy PPC traffic for your selected keywords from the following

          Bring targeted traffic to your site with Google AdWords

                                Step 9:
Test, Test and Test again

Test everything once, test everything again, once again and repeat this
testing process until you are fully satisfied with your working.
                                Step 10:
NEVER STOP, try new marketing strategies all the time...

Once your new business / new web site is generating a profit, start
focusing on new marketing strategies to enhance and expend your
business. You should focus on the following topics:

      Permission based Email Marketing

      Affiliate Programs

      New business opportunities like Google AdSense

      Linking Partnership

      Other possible Joint Ventures

      Natural (Organic) Search Engine Optimization

      Word-of-Mouth Marketing

      Offline Marketing (ads in local newspapers, magazines etc.)

      And many many more...

Please feel free to contact Mr. Najam for the assistance in starting or
promoting your online business by writing an email to You may also visit his web sites i.e or Join Us Now! to receive important articles and
tips that help you starting your own small or medium-sized internet
business. Existing online-business owners and webmasters get free tips to
maximize their sales.