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31st Annual Mother’s Day Run for Shelter Pajaro Valley Shelter Services Benefit Fundraiser Where: Ramsay Park, 1301 Main Street, Watsonville When: Sunday May 10, 2015 First race starts at 7:45 am – see race times below Online Race Registration:  http://tinyurl.com/oepnnoh Or call: 831 728-5649 x107 Download 2015_Walk-Run_Registration RACE INFORMATION Registration: Race day registration and bib pick-up starts at 7:00 AM, Sunday, May 10th 2015.   Course closes at 10:15. Bibs are not transferable. Registration fees are non-transferable & non-refundable. For online registration go to Fees:   Registration Form required for EACH participant. 10K Run & 5K Run/Walk – $35 for individuals (1 T-shirt)  Registrations after Thursday, May 7, 2014: $45 10K Run & 5K Run/Walk – $115 per family of four, max. 2 adults Registrations after Thursday, May 7, 2015: $125 1K Kid’s Fun Run – $10 per child under 12 (no T-shirt) With T-shirt: $20  Registrations after Thursday, May 7, 2015 add $5 Race Start Times: 1K Kid’s Fun Run @ 7:45am 5K Walk @ 8:00am 5K Run @ 8:00am 10K Run @ 8:45am COURSE CLOSES AT 10:00 am Course:   The course is certified: computerized time results will be announced & on the web site All runs and walks start and end at Ramsay Park.  Run and walk courses are different this year.  Course maps available at www.pvshelter.org Features:   Event T-shirt included in the fee (except Kid’s Fun Run); T-SHIRTS AVAILABLE FOR FIRST 600 RUNNERS WHO REGISTER; Roses for the moms; Goody bags with goodies; Refreshments and water; music Awards:  10K Run & 5K Run/Walk – Medals for 1st, 2nd, 3rd places, male/female per 5-year age division; plus gift certs for the overall male and female place first placers in 10K and 5K. 1K Kid’s Fun Run – all youth receive accomplishment medals, 3-year age divisions. Kids’ Awards 8:30-8:45. Want to contribute to PVSS- BECOME A SPONSOR! THE EVENT Entering its the 31ST consecutive year,  the Mother’s Day Run for Shelter will bring nearly 600 participants and 100 businesses, plus crowds of spectators together to raise a goal of $100,000 in support of services to homeless families in our community. Sponsors have the ability to market to almost 800 enthusiastic runners and supporters. “The Mother’s Day Run is one of the most prominent events in Watsonville!” SPONSORSHIP OPPORTUNITIES AND BENEFITS Download sponsorship packet Sponsoring the race provides your business with the wonderful opportunity to reach new customers    and build a brand that promotes healthy living, outdoor fun and care for the community. Increase visibility and brand awareness through Mother’s Day Run for Shelter promotions. Employees will feel good about your company. Your business will further connect with community. It’s tax deductible! LAST YEAR’S RACE NUMBERS 540 registered runners plus a huge crowd of supporters cheering them on! 84 sponsors had their information shared with our community. Sponsors included Graniterock, Bay Federal Credit Union, S. Martinelli & Company and Union Bank Some racers travelled from 11 countries and 6 states The race raised $64,700 to support Pajaro Valley Shelter Services’ mission to end homelessness in our community. Pajaro Valley Shelter Services presents the 31st Annual Mother’s Day Run/Walk for Shelter on Sunday, May 10th at Ramsay Park in Watsonville and will include a 10K Run, 5K Run/Walk and a 1K Kids’ Fun Run. Goodies include t-shirts, roses for mothers, medals for winners, continental breakfast and a live DJ. This year, families with strollers will be allowed in the event.  For 31 years, the community of Watsonville has supported PV Shelter’s Mother’s Day Run to ensure the continuation of services for homeless families. The first race was held in 1984 and raised $8,000. with a small crowd in attendance. This year we expect over 600 people to help raise $100,000! This well-loved event can be enjoyed by attendees of all ages and skill levelS, from the competitive runners to the weekend joggers to families who want to walk together. Starting and ending in Ramsay Park, the race route is a beautiful trek around Watsonville’s slough trails. Start your Mother’s Day off by joining the community in supporting the end of homelessness for mothers, their children and families in South County.  The first race starts at 7:45 and the entire event ends at 10:00 am just in time to enjoy the rest of Mother’s Day. “The Mother’s Day Run has become a tradition. For many, there are three generations who do the run/walk together, and then go to brunch afterwards. It’s a great family tradition –to help end homelessness on Mother’s Day.” PVSS Executive Director, Kimberly Ferm Community Support PV Shelter has the recipe for successfully changing the lives of families experiencing homelessness, by giving them the tools to help themselves. The Mother’s Day Run for Shelter is PV Shelter’s biggest fundraising event. The Race/Walk is an opportunity for the community to partner with PV Shelter to raise funds, so we can continue our mission of promoting self-sufficiency and changing the lives of families experiencing homelessness. About Pajaro Valley Shelter Services: About Pajaro Valley Shelter Services: Since 1983, Pajaro Valley Shelter Services has helped women, children, and families end the causes and cycles of homelessness. PVSS currently serves and helps house 80 families annually, while they complete a program to overcome financial barriers, and develop goals, skills and attitudes necessary to move on to stable housing and improved personal and economic self-sufficiency. Serving Santa Cruz County and focusing on Watsonville and Pajaro Valley, PVSS owns and operates an Emergency Shelter (for women and children), a Shelter Annex (for families with males over the age of twelve), thirteen units of Transitional Housing, and four units of Long-Term Supportive Housing.  Participants learn how to manage money, obtain employment, housing, care for themselves and their children, and more. Source: http://pvshelter.org/

Financial Institutions policies are among the most complex in the insurance industry. The specialists at Program Brokerage Corporation (PBC) have over 30 years of experience working for, underwriting to, and representing financial institutions. Litigation involving financial institutions is at an all time high. Do you have the proper coverage in place for the continuing and expanding regulatory exposures?

Financial Institutions policies are among the most complex in the insurance industry. The specialists at Program Brokerage Corporation (PBC) have over 30 years of experience working for, underwriting to, and representing financial institutions. Litigation involving financial institutions is at an all time high. Do you have the proper coverage in place for the continuing and expanding regulatory exposures?

"But he that filches from me my good name/Robs me of that which not enriches him/And makes me poor indeed." - Shakespeare, Othello, act iii. Sc. 3. Identity theft is a huge problem in the United States. Did you know that identity thieves stole approximately $21 Billion from victims in 2012? This equates to one incident of fraud every three seconds. That’s scary. In every minute, 20 acts of fraud occur. When you keep adding up the numbers it looks horrific. Most victims don’t know until it’s too late that they have become a victim of identity theft. If you are one of the victims of identity theft, we have listed a few things for you to do: Contact the Federal Trade Commission (FTC) whether online or by phone, 877-438-4338. If necessary, send mail certified and request a return receipt. Contact your bank and let them know of the fraud. Contact all of your credit card companies and credit reporting agencies (Equifax, Experian and Trans Union) and inform them of the situation. Contact your insurance companies and make them aware of the theft. Keep a detailed filing system. Keep all your originals, only send copies of originals to requestors. Follow all deadlines. Keep a timeline of when you spoke to a person and set up a follow up date. Following the above guidelines will help minimize any future thefts. We hope that you never have to use this list.

Given the ever expanded concept of what constitutes a disability, employers will continue to face an ever growing compliance challenge. Here are some basics to be remembered: Knowledge of the need to accommodate an employee can come from numerous sources including a work comp claims manager, a company supervisor or manager, HR, the employee themselves, a union rep, a doctor, poor performance, simple observation, or some kind of hotline call. To have a good process, it must be laid out step-by-step with supporting documentation. Be interactive. Remember the rule that the first to give up on the dialogue process generally loses. Have appropriate education and training. For example, HR could create a simple video to help employees with the accommodation process. Allow managers to engage in simple, easy and quick accommodations. Proper documentation of all steps in the process. Ongoing communication, monitoring, feedback, and improvement. The accommodation process begins with a needs assessment. This means a thorough review of the job description and duties and a clear understanding of the employee's limitations including potential absences etc. Remember you can accommodate an employee by the following means: Changing facilities or equipment Job restrictions Modifying schedules Modifying a test, training, or policies Offering vacant positions within their skill range Offering temporary positions (the ADA does not require you to create a new position for an employee) Support including readers, interpreters, or even dogs A leave of absence Any other idea that would generate a reasonable accommodation Proper documentation of any undue burden One of the biggest mistakes an employer makes is to assume in advance that an accommodation would create an undue burden. If the request is reasonable, the best approach is to let them try it and to be clear about performance standards. Document any shortcomings their accommodations may be causing and continue to communicate about ways to elevate them. There is extensive material on the ADA on HR That Works including flow charts, checklists, forms, and policies to use. There is also training you can provide your managers (a good idea). Also remember if you have over 50 employees the FMLA may allow an employee who has serious medical condition up to 12 weeks of leave which they may use instead of accepting an accommodation.

All Risks, Ltd.'s competitive Financial Institutions - Real Estate Owned, Lender Placed, Collateral & Vehicle Property Insurance Program is available nationwide through an A.M. Best A XIII carrier.