This month we catch up with Rick Loek, a two-year member of Mark Hoover Training's "6-Figure Ignition" program. Rick is CEO of CalRima Financial & Insurance Agency in San Jose, CA. The ups and downs of business and markets are not unfamiliar to Rick. He has first-hand experience of the turmoil that market changes can create in people's lives. In building a successful business, Rick found two things to be essential – a deep commitment to one's values, and surrounding oneself with experts.
How did you get started as a Financial Advisor and Wealth Manager?
I call myself a "recovering" software engineer. I programmed computers for many years and through the dot.com implosion as jobs were being shipped off shore. In 2003 I started looking at what skills I could develop to avoid such volatility, and I saw that sales skills are transferable anywhere in the world. Then I met Mary [Lee] who became my wife and eventually my business partner.
Mary was already a life and health insurance sales professional and was part of a multi-level marketing group. She inspired me to earn my insurance license as well. On the day I passed the license exam, I met a man who was also in the insurance industry and had just earned $100,000 with one piece of business. I was intrigued, and asked if he would teach me the business. He agreed and became my mentor.
Next I earned my securities license to qualify as a financial advisor. I'm a sponge for knowledge! In that industry I've been trained by Ed Slott, whom The Wall Street Journal regularly brings in to answer questions about 401Ks, IRAs and pensions. The Journal says that he is the nation's best source for information on those topics.
What is it about your business that excites and motivates you on a daily basis?
The exciting thing is being able to make a valuable difference for people. Often new clients come to me having never worked with an advisor before, or having worked with someone who didn't have their best interests in mind. Sadly that happens much too often. I fix the problems other advisors caused or allowed to occur for the client. In software development I created software to solve real world problems. Now I use the latest financial technology to help solve people's financial and retirement problems.
I meet with clients to analyze their current situation. I reveal the issues that have been in their blinds spots, and propose solutions to these problems. Of course they have the choice to continue the current situation, work with us to resolve it, or take our findings back to their current advisor. It can be quite an eye opening experience for people. Clients meet with us in our offices in Campbell, just outside of San Jose, CA.
What has been the greatest challenge to your business that Mark Hoover Training has helped resolve?
Mark, his team and his training material have been fabulous from a marketing and business structure perspective. Mark's program inspires Mary and me daily in our business. Since I'm a recovering software engineer, I didn't come into this as a business management profession. Mark Hoover Training fills in the gaps for me on running a business, setting goals, and putting together a marketing plan, just to name a few.
When you think back to the "2-Day Ignite Your Business Intensive", what one exercise stood out as highly effective?
The thing that's really amazing about the weekend is how you're walked through a process, – a guided conversation – and the grand conclusion is Sunday afternoon when you end up with a one-page executive business summary that is focused on action – exactly what you can take on to have your business thrive. It's unique. I've discussed the process with other people and coaches, and they are very clear that Mark has put together something distinct from anything they've seen elsewhere.
What's one insight you have gained from your membership with Mark Hoover Training? How have you acted on it, and what have been the results?
Having a business trainer is one of the best moves I've made for my business. The insight would be that having someone like Mark really does make a difference versus having to be alone and winging it. With Mark it's not just managing numbers and action steps, it's also support for me managing who and how I interact with people in those business relationships that are most important to me. Being able to have candid conversations with Mark about what's vital and the barriers to success in those areas is unique.


At the Wednesday, February 21, 2018, regular board meeting of the West Central C.U.S.D. #235 Board of Education discussed the request from The United School District to West Central School District with regards to a Co-op program for wrestling. The board discussed it; however, it was the consensus of the board not to pursue a Co-op with United for wrestling at this time.
The meeting was called to order at 6:00 p.m.in the West Central Elementary School cafeteria. All board members except Paul Anderson and Jodi Arnold were present at roll call.
In the absence of the President and the Vice President, Steve Lumbeck was appointed President Pro-Tempore for the evening to run the meeting.
Mr. Lumbeck led the audience in the Pledge of Allegiance.
Thanks was given to the early childhood team for hosting a family night and a parent advisory council meeting for our families.
Eagle View provided dental education sessions for the students in kindergarten and second grade.
The elementary celebrated our 100th Day of school with many activities.
Over 75 families attended our Pastries with Parents event. We challenged them to use their problem solving skills to complete activities. Senator Jil Tracy also attended this event.
Our third grade students attended Ag Day, which is sponsored and funded by the Warren-Henderson County Farm Bureau.
Science scores have improved from 2016 to 2017.
7th Grade Boys' Basketball team advanced to the Elite 8 at state.
Kaiden Droste has been selected to read the "Oath of Athletes" at the state track meet on Friday May 11, before the competition begins that day. The IESA selects 2 athletes to read the Oath before the day begins for each day. Normally the athletes who are awarded this honor are the highest returning placers from the previous year. It is a great honor and we should be very proud of this.
Nicholas will compete at the District contest on March 7 in Geneseo. Competition is based on FFA Record book and personal interview about his project areas.
The WYSE Team competed recently and two students came back with first place finishes: Riley Peterson in Engineering Graphics and Laine Gholson in Computer Science. The team will move on to Sectionals with a total of five students. Added to the two first place finishers will be: Tori Olson in Biology, Jenna Robertson in Chemistry, and Logan King in Computer. These students will compete at Knox College in the Sectional competition.
The Kindergarten classrooms recently collected 10,534 pennies for the Henderson County Library.
The potable water test results recently came back with all samples under the legal limits.
The January 2018 bills, January 2018 building Activity Account Reports, the January 2018 Treasurer's Report, and review of the District Financial Snapshot.
The board approved the 2017-2018 District Seniority List for Certified and Support Personnel as presented.
The board approved a 3-year bus lease with Midwest Bus Sales as presented.
reviewed and heard reports from the building principals; Mike Kelley, Student Support Specialist; Jason Kirby, Athletic Director; Melinda Frakes, District Technology Coordinator; and Shaila Ayer, District Psychologist and Special Education Director.
discussed a proposal from the Stronghurst Summer Ball Association to replace dugouts and add fencing to the "Little Wrigley" ball field.
was presented a proposed 2018-2019 school district calendar for discussion.
Superintendent Markey reminded the board of their responsibilities as Mandated Reporters.
Discussed a Resolution Authorizing and Directing the Sale and Conveyance of Certain School Sites of West Central C.U.S.D. #235 and a Contract for Sale of Real Estate. This will consist of parcels from the District property in Media.
A. The appointment, employment, compensation, discipline, performance, or dismissal of specific employees of the public body or legal counsel for the public body, including hearing testimony on a complaint lodged against an employee of the public body or against legal counsel for the public body to determine its validity.
The board exited closed session at 8:50 p.m.
The board took no action regarding personnel.
The board was reminded that the next regular meeting will be Wednesday, March 21, 2018 at 6:00 p.m. in the West Central Elementary cafeteria.
The board adjourned their meeting at 8.51 p.m.


text:
Q: Find the warranty period such that the battery is replaced under warranty 0.5% of the time Problem
The mean life of a Chevy Volt battery (normally distributed) is $1000$ hours and the standard deviation is $100$. How many hours should GM warranty the battery for so that it has to replace the battert $0.5\%$ of the time?
Progress
I tried to use the standard units formula $z = x-\mu/ \sigma$

A: We give first a quite formal version. Then in a remark, we give a quick informal version.
Let random variable $X$ represent the life of a randomly chosen battery. We want to find the number $a$ such that $\Pr(X\le a)=0.005$.
Recall that if $X$ is normal, mean $\mu$ and standard deviation $\sigma$, then $\frac{X-\mu}{\sigma}$ has standard normal distribution $Z$.
In our case,
$$\Pr(X\lt a)=\Pr\left(\frac{X-1000}{100}\lt \frac{X-1000}{100}\right)=\Pr\left(Z\lt \frac{1000-a}{100}\right).$$
Look up, in tables of the standard normal, the place $c$ such that $\Pr(Z\lt c)=0.005$. In most tables, you cannot do that, since the $c$ is negative.
We want the place $c$ such that the probability of the left tail is $0.005$. To find this, we find the place $d$ such that $\Pr(Z\gt d)=0.005$, and change sign. So look for the place $d$ such that $\Pr(Z\le d)=0.995$.
The standard normal table says that $d\approx 2.57$. So $c\approx -2.57$, and we set
$$\frac{1000-a}{100}=-2.57.$$
Remark: We want the place on the normal that has $99.5\%$ of the area above it. In the standard normal, the place has has $99.5\%$ of the area below it is at $2.57$.
So in our case, we want to go $2.57$ standard deviation units below the mean. Our guarantee point should be at $1000-(2.57)(100)$.

redpajama_set_name: RedPajamaStackExchange


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Category Moving-Essential Info-Orientation-Embassy Contacts-Cost of Living-Money and Taxes-Transport and Driving-Culture Shock-Healthcare-Keeping in TouchWorking-Doing Business-Visas-Work PermitsAccommodation-Areas and SuburbsSchools
Public Holidays in Austria
Assumption Day
St Stephen's Day
Healthcare in Austria
Expats moving to Austria can rest assured knowing that they will be moving to a country with one of the best healthcare systems in Europe.
Expats in the country will be entitled to public healthcare as a result of contributions made through their taxes. Owing to the excellent standard of public healthcare in Austria, most people do not invest in private health insurance policies. Those who do have private health insurance as part of their employment package will have access to a greater number of services and shorter waiting times.
Public healthcare in Austria
The healthcare system in Austria provides free access to basic healthcare to all citizens and residents of Austria, as well as tourists and those staying in the country on a temporary basis. Basic healthcare in Austria includes treatment in public hospitals, medication, basic dental care and some specialist consultations.
EU citizens can use their European Health Insurance Card (EHIC) to access state healthcare during a short-term visit. UK citizens can make use of their Global Health Insurance Card (GHIC), which replaced the EHIC for UK citizens post-Brexit.
Health insurance in Austria
Expats working in Austria are required to pay into a health insurance scheme, which goes into a larger social security system. The system covers the contributor as well as their family for health, accident or pension insurance. The amount an individual has to pay is determined by their salary level, with health insurance, accident insurance and pension insurance all taking up a percentage of an individual's salary. The employer is also obliged to make a contribution.
Electronic health services, also known as E-services, form an important part of Austria's healthcare system. To access E-services, expats will be issued with an E-card upon registration. Through the E-card, the Austrian government processes healthcare claims electronically, significantly reducing queues, backlogs and bureaucracy. In addition, E-cards contain important information such as health records and prescribed medications.
Like most other state-funded healthcare systems, patients with E-cards can only consult medical professionals with whom the state has a partnership. However, this is not limited to public healthcare providers; about 50 percent of private-practice doctors and 75 percent of private-practice dentists have a contract with social services that covers E-card holders for all costs.
Healthcare providers who do not have any such contract are known as elective doctors. Though patients will have to pay to see elective doctors, 80 percent of the fee is reimbursed by social health insurance.
Private health insurance in Austria is generally used to complement the public health services supplied by the state. It's generally used to either cover hospital costs or daily benefits, depending on the insurance plan preferred. This allows members easier access to elective doctors and medical professionals as well as smaller wards in state and private hospitals.
Pharmacies and medicines in Austria
Pharmacies, or Apotheke as they are known locally, are easily found in all towns and cities in Austria.
The majority of the costs of prescription medicines are covered by the state health insurance programme apart from a small prescription fee in some cases. Those with private health insurance will need to pay for their drugs and then send the receipts to the company for reimbursement.
Pharmacies in Austria are open from 8am to 6pm from Monday to Friday and 8am to 12pm on Saturdays. Pharmacies within a particular area will be open on Sundays according to a rotating schedule. There are also a few 24-hour pharmacies, which are useful if medication is unexpectedly needed after-hours.
Pre-travel restrictions and vaccinations for Austria
No special vaccinations are required for expats moving to Austria. However, routine vaccinations such as those for measles, mumps and rubella, tetanus and polio should be kept up to date.
Emergency services in Austria
In the event of a medical emergency, expats can dial any of the following numbers:
144 (ambulance)
141 (emergency medical service)
112 (European emergency number)
Local authorities in Austria are responsible for the provision of emergency services, which means that standards of emergency medical services vary slightly across the country. Nevertheless, response times throughout Austria are generally excellent. Paramedics generally speak German, but some may also speak English.
Culture Shock in Austria
Austria is a modern, cosmopolitan and efficiently run country. Expats might even find that day-to-day life is easier in their new home than in their country of origin, and culture shock is likely to be minimal. Austria is known for its organised systems of transportation, its contemporary housing, excellent healthcare and moderate cost of living.
Language barrier in Austria
The language barrier might well prove to be the greatest challenge facing expats moving to Austria. The official language of Austria is German; however, Austrian German differs greatly from that spoken in Germany. In addition, Austrian German is full of regional particularities. Learning basic words and phrases – or even better, enrolling in a language class – will help expats integrate into Austrian culture.
While many Austrians know some English, they often hesitate to speak English unless it is necessary for foreigners to communicate with them. Expats will be relieved to know that English is widely spoken in the business world in Austria, especially in the larger urban centres.
Another barrier expats can experience when communicating with Austrians is the fact that they don't do small talk. Though natives are friendly, strangers are strangers and social exchanges tend to be more reserved in public between people who do not know each other.
Attitude toward foreigners in Austria
Austrians are quite friendly and foreigners are typically received with a warm welcome. Despite this, Austrians tend to lead more private personal lives. It can be difficult to make friends with locals unless one interacts with them on a daily basis at work or as part of a recreational activity.
Austrians are proud of their heritage. They tend to prefer locally grown produce and locally made products over imports. This national pride can make foreigners feel alienated but they should try not to take it personally and remember that Austria is a small country that places great importance on its heritage and traditions.
Meeting and greeting in Austria
Austrian people appreciate personal titles. It is polite to use someone's title when emailing them, addressing them in person, or introducing them to someone else.
Austrian natives typically don't hug each other. Close friends often kiss when greeting one another on departing. Typically, women will kiss other women, men and women will kiss, but men just shake hands with other men.
Working in Austria
Expats looking for work in Austria will find that their nationality will often affect their ability to secure a job. EU citizens can legally work in Austria without having to obtain a work permit. However, those from outside the EU (known as 'third-party nationals') will need to show that they can fill gaps in sectors lacking skilled local workers.
Job market in Austria
Plenty of engineering and construction jobs feature in Austria's list of shortage occupations, so expats with skills, qualifications and experience in these fields will have a good chance at finding work.
Lower-level posts in the country's world-class tourism industry are also plentiful. Western Austria's winter sports region draws sporting enthusiasts of all ages and nationalities, which in turn creates huge demand for instructors, restaurant workers, chefs and housekeeping staff, especially during the peak season between November and March.
Otherwise, Vienna boasts some leading corporations in the finance and consulting sectors, but jobs in these areas are scarce for expats.
Finding work in Austria
Austria is often thought of as old-fashioned and, besides searching online, it's worth trying traditional job-hunting routes.
Online job sites and classifieds are always a good starting point, along with social-networking sites such as LinkedIn. Employers also advertise in print publications and make use of the comprehensive services of the Arbeitsmarktservice (Public Employment Service). The latter is a highly informative resource that expats can use to familiarise themselves with Austria's labour laws, work contracts and application tips.
Expats applying for work in Austria should draft both their letter of application (a cover letter) and their resume in German unless otherwise specified by the position in question. This is the official language and lingua franca of the country, though English is the dominant corporate language.
Work culture in Austria
Work culture in Austria definitely has a hierarchical structure. Those in senior positions, particularly those who have high qualifications and many years of experience, are highly regarded and deferred to. Expats from more egalitarian work cultures will have to get used to Austria's less inclusive and consensus-driven approach to management. There is a somewhat old-fashioned sense of politeness and courtesy in the Austrian workplace, and any form of correspondence, such as emails or memos, should convey a formal tone.
On a higher level, Austrian work culture prides itself on the concept of Sozialpartnerschaft, or social partnership, which promotes cooperation and dialogue in matters relating to industrial relations. It is important for entrepreneurs and business owners to work closely and cooperate with local business partners and Austrian subsidiary companies.
Accommodation in Austria
Expats will find that, although their options for accommodation in Austria are limited in variety, they are plentiful in number. Vienna is characterised by older apartments in the classical Austrian style. Further afield, more housing options present themselves, such as modern luxury apartments and standalone houses.
Types of accommodation in Austria
The type of property available to expats moving to Austria will depend largely on where they choose to settle. The majority of new arrivals tend to be found in Vienna. Space is limited in Vienna and most of the accommodation options will be studios or apartments. Houses and cottages are more likely found in the suburbs or rural parts of Austria rather than in city centres. Regardless of the type of accommodation, the standard is generally high, with indoor heating being a standard feature.
Expats are advised that most shared-housing options will be at least partially furnished, while whole apartments are usually unfurnished. If opting for an unfurnished option, shipping furniture to Austria (especially from within the EU) is a viable option. There are plenty of excellent furniture stores around (such as IKEA) where expats will find everything they need.
Finding accommodation in Austria
Renting property in Austria is a reasonably straightforward process, as the vast majority of apartments are rented through real-estate agents. Expats should be aware that there are better seasons in which to hunt for accommodation. The beginning of the academic year (September) is a particularly poor time, as the influx of students from all over Europe stiffens the competition.
Unless expats speak fluent German, navigating property websites or classifieds sections of newspapers will be difficult. Most new arrivals therefore opt to save time by hiring an estate agent. Not only do agents help expats overcome the language barrier, they also have an intimate knowledge of the local property market, which is helpful in finding a property that meets an individual's requirements. They charge the equivalent of up to two months' rent for their services.
Renting accommodation in Austria
Renting accommodation in Austria is a fairly straightforward process for expats. Generally, the hardest part is finding a real-estate agent, after which it tends to be smooth sailing.
Once an expat has found an apartment or property they would like to rent, they need to send their proof of identity, Austrian visa and proof of employment or student ID to their real estate agent. After this a lease will be sent through that should be signed.
Up to three months' worth of rent will be required as a deposit to cover any potential damage to the unit. It is important to keep the unit and any provided appliances undamaged to guarantee that the deposit is returned in full.
Signing a lease
Expats should read their leases carefully and, if necessary, have it translated. Leases usually run for at least three years – people living in Vienna tend not to move often because of the expenses involved in finding and securing a lease.
Leases can be terminated early after a certain period of time, but a written letter detailing the desire to vacate is needed. Leases generally require that notice is given three months before leaving.
Expats should be advised that, under normal circumstances, they will be responsible for all their utility bills; however, it is possible – and probably desirable – for expats to pay a flat monthly fee to their estate agent that covers their rent and all their utility bills (including broadband internet).
Banking, Money and Taxes in Austria
Expats relocating to Austria can look forward to dealing with a banking system that is modern, efficient and user friendly. Opening a bank account is a fairly straightforward task. There are a large variety of bank accounts available, and internet banking is a standard feature in Austria.
Money in Austria
The official currency used in Austria is the Euro (EUR), which is subdivided into 100 cents.
Notes: 5 EUR, 10 EUR, 20 EUR, 50 EUR, 100 EUR, 200 EUR and 500 EUR
Coins: 1 cents, 2 cents, 5 cents, 10 cents and 20 cents, and 1 EUR and 2 EUR
Banking in Austria
Austria offers myriad reliable, high-quality banking institutions for expats to choose from. Popular local banks include Bank Austria, Erste Group Bank and Raiffeisen Zentralbank. There are also multinational banks with a presence in the country, including Deutsche Bank, CitiBank and Western Union Bank.
Opening a bank account in Austria is a straightforward process. Some banks allow accounts to be opened online, while others require new customers to visit the bank in person to open an account.
Expats considered residents of Austria should have no problem getting started. Due to legislation some local banks only provide limited or no services to non-residents. Non-resident expats should therefore make sure their desired bank is able to assist.
Mobile and internet banking are popular in Austria and are offered as free services by the major banks.
ATMs and credit cards
Bank branches have ATMs attached that let people withdraw cash, get account statements and transfer money 24 hours a day. ATMs can also easily be found in shopping centres and main streets.
Taxes in Austria
All foreign nationals working in Austria for more than six months per tax year are defined, for taxation purposes, as residents in Austria. This means that they are liable for taxation on all the income they earn worldwide. Non-residents for tax purposes only pay taxes on their Austrian income. Personal income tax is deducted directly from an individual's salary, on a progressive tax scale of up to 55 percent.
*Information about tax allowances and rates change regularly so expats are advised to check with the authorities for the latest information
Education and Schools in Austria
Education in Austria is generally considered to be of a good standard and on par with that in other prominent European countries.
Standard Austrian public schools can be attended free of charge, but they are taught in German, and many foreign parents – particularly those with older children – feel that the language barrier is too difficult to overcome.
There are a few bilingual public schools, which can be a good midway point for those who nevertheless want their children to learn German and integrate into the local population.
There are also private international schools that teach foreign curricula. These schools provide the opportunity for a child to continue with a familiar curriculum with minimal disruption.
Public schools in Austria
Schooling in Austria is compulsory between the ages of six and 15 (Grades 1 through 9). Compulsory schooling begins with primary school (Volksschule or Grundschule) and ends with the completion of junior secondary school (Hauptschule), co-operative intermediary school (Kooperative Mittelschule) or grammar school (Gymnasium). Following this, students wanting to continue on an academic track undertake higher secondary education, while those in search of professional training can undertake a vocational track at a commercial school.
Bilingual public schools
Bilingual public schools are an attractive option for expats who are eager to have their children interact with local students and learn the local language. As part of the public system, these schools are free and follow the Austrian national curriculum.
Instruction in bilingual schools is given in both English and German, and young expat children tend to achieve fluency in both languages quickly and efficiently. Older children may initially struggle, as the curriculum is tailored to those who have knowledge in both languages, but still, with a little determination they can succeed.
Space can be limited, especially for the popular schools in high demand. Students may need to attend an alternative school while waiting for admission.
International schools in Austria
There are a few privately run international schools in Austria, most of which are based in Vienna. The international schools offer either a foreign-country curriculum or an International Baccalaureate curriculum, and are taught in either English or the language of the sponsoring country. Many expat parents prefer to send their children to these schools to eliminate difficulties created by the language barrier, and to allow children to continue with a familiar curriculum and teaching style.
Such comforts are naturally accompanied by high costs, with tuition varying depending on the child's age and school. The more popular schools have limited space, and children still stand the chance of being denied entrance even after paying a hefty application fee. For this reason, it's best to start research and applications as early as possible.
Special-needs education in Austria
Learners officially labelled as having special educational needs attend mainstream schools as far as possible or, for severe disabilities, special schools designed to cater to their specific needs. According to Austrian law, parents have the right to choose the kind of schooling they prefer for their child.
Special schools educate disabled children through a variety of methods depending on the disability by means of small learner groups, specially trained teachers, curricula which pay attention to the respective disabilities and special methods and materials.
Education in special schools covers the whole period of compulsory schooling. After academic education, a pre-vocational year takes place in special schools, during which learners are supported in the transition period from school to the labour market.
Tutoring in Austria
Tutors are widely used in Austria to improve and assist children's schooling. Tutors might be employed to assist in specific subjects such as maths or science, or expat parents will often hire a tutor to improve their child's German language proficiency. Tutors are further used in preparation for important exams or for university entrance exams.
Newcomers to Austria might also find that their child may benefit from having a guiding hand in navigating a new school system or just to build some confidence. Top private tuition companies include GoStudent and TeacherOn.
Weather in Austria
The weather in Austria is marked by a moderate climate and four fairly distinct seasons. Expats moving to this central European nation should plan to bring clothing to suit sunny summer days, warm apparel for winter, and plenty of lightweight layers for the months in between.
The four seasons and beautiful Austrian landscape provide plenty of scope for outdoor activities and ample travel opportunities. Summer high temperatures can reach 86°F (30°C), while winter lows frequently descend to a chilly 14°F (-10°C). The hottest months are July and August, while December and January are the coldest. Most of Austria's rain falls in the months of June, July and August.
Visas for Austria
Expats from EU- or EEA-member states are able to enter Austria without a visa. Those from other countries will require a visa to enter, unless they're from a country that has a visa-free agreement with Austria.
In addition, if non-EU citizens plan on living or working in Austria, they will need to take the necessary steps to obtain either a work or residency permit.
Travel visas for Austria
Citizens of certain countries will be required to apply for a travel visa (also known as a category C visa) ahead of time, while others are able to enter visa free. Once the travel visa is granted, holders can be in Austria for up to a total of three months within any given six-month period. Holders of this visa are not granted permission to work or carry out any form of business activity.
The processing time for a travel visa is usually 15 days or less, but in busy periods the wait can be longer. Bearing this in mind, it's best to apply well ahead of time. Travellers can make their application at the Austrian embassy or consulate in their home country.
As Austria is part of the Schengen territory, once a person is granted a travel visa they can visit multiple destinations that are signatory to the agreement. Those who plan on travelling to a number of Schengen countries will find that it is best to make their application at the consulate of the country in which they plan to spend the most amount of time.
Resident visas for Austria
Resident visas (category D visas) fall somewhere between travel visas and residence permits. Expats staying in Austria for between three and six months – for example, to study or do business – should apply for this visa.
Residence permits for Austria
A residence permit is required for stays of longer than six months for work, study or family reunification. In order to obtain a residence permit, the applicant must demonstrate that they have health, travel and accident insurance as well as sufficient funds to support themselves while in Austria. It is also necessary for the applicant to submit proof to back up their proposed reason for entry.
Those intending to work in Austria should apply for a combined work-and-residence permit. There are three types of work-and-residence permits: the Red-White-Red Card, the EU Blue Card and the Red-White-Red Card Plus.
*Visa requirements can change at short notice and expats should contact their respective embassy or consulate for the latest details.
Transport and Driving in Austria
Getting around in Austria is easy thanks to the country's small geographic size, efficient rail network and well-maintained road infrastructure. For most expats, travelling by train is the easiest way to get around.
While domestic flights between Austrian cities are readily available, they are relatively expensive and only save travellers a small amount of time. Driving in Austria is a pleasure, and while owning a car is not a necessity for those living in big cities, it's a great way to explore the country.
Public transport in Austria
The national public transport infrastructure in Austria consists of buses and trains operated by the state-owned company, ÖBB. The train and bus networks complement each other well and ÖBB has implemented an integrated ticketing system.
Tickets on buses and trains in Austria are based on the distance travelled, the type of train or bus used and the class of seat. Base fares are fairly expensive, but expats who take some time to do their research will find that there are plenty of discounts available.
Trains are the most popular mode of public transport in Austria. Intercity trains that connect the major destinations in Austria are moderately priced and relatively comfortable.
Most train routes are operated by ÖBB, while WestBahn offers competitive services on certain lines. Commuters must be aware that ÖBB rail passes and tickets are not valid for West Bahn trains and vice-versa. Tickets for either service can be purchased in advance online, at train stations or, in some cases, onboard the train.
ÖBB also oversees buses in Austria. The national bus network is not quite as comprehensive as the rail system but has been designed to complement trains. Tickets can be purchased online, at the station or on the bus.
Bus travel in Austria is generally cheaper than the equivalent train journey. Still, where there is the option to travel by train or a bus to a destination, most commuters will opt to take the train. Trains in Austria will generally offer a more comfortable and faster service than intercity buses.
Taxis in Austria
Taxis can be easily found at taxi stands or outside bus and train stations. Fares are regulated and charged according to the meter. Taxis can be hailed while out and about, or they can be pre-booked in advance via phone, apps or online.
Ride-hailing companies such as Uber, Lyft and Bolt also operate in Austria.
Driving in Austria
Generally, most expats living in Austria are based in a city and therefore will have little or no need to own a car. But for those wishing to explore the country and visit more isolated parts of Austria or certain popular skiing spots, having a car can be useful. That said, most expats will hire a car for a short period rather than making a long-term investment.
Driving in Austria is generally a pleasant experience as the country is small and roads are well maintained. Outside of the cities, there is little congestion and driving provides a great opportunity for expats to experience the wonderful scenery in Austria. However, expat drivers should take care when driving during winter, especially if unused to driving in icy conditions. Ice on the roads leads to large numbers of accidents each year, so winter tyres are strongly recommended.
Expats who plan on driving in Austria should note that on Austrian motorways they are liable to pay tolls. Drivers are required to purchase an Autobahnvignette, or toll pass, in advance. Digital toll passes, which are linked with a car's licence number, can be purchased online, while sticker toll passes can be purchased at any petrol station. Driving on a motorway without an Autobahnvignette will result in a hefty fine.
Domestic flights in Austria
Austria is a small country, and so there is no real need to fly between destinations. It is, however, possible to fly domestically between cities in Austria, although it does mean that expats who choose this option miss out on seeing some stunning Austrian landscapes.
Domestic flights within Austria are particularly expensive and the time one saves by flying is minimal. Therefore, the majority of commuters that fly within the country do so only on business trips.
Doing Business in Austria
Owing to the country's significant wealth, doing business in Austria is an attractive proposition. Though Austria has a small population and little in the way of natural resources, the country has one of the highest GDPs in the world and Austrians enjoy one of the highest standards of living in Europe.
Austria is perfectly located to take advantage of the development and enlargement of the EU. In addition, Austria has the highly developed infrastructure needed to act as a bridge between Eastern and Western Europe.
Mondays to Fridays 8am to 5pm, with an hour-long lunch break.
Business language
While German is the official language in Austria, English is widely spoken in business circles.
Formal and conservative, with dark-coloured business suits being the norm for both men and women.
Not necessary in business but expected if invited into a colleague's home, flowers or chocolate will suffice.
When meeting business colleagues, a formal handshake is appropriate at the beginning and end of the business proceedings.
Women are underrepresented in leadership positions in Austria. Businesswomen visiting Austria, however, can expect to be treated with a great deal of professional respect.
Business culture in Austria
Austrians take a formal and conservative approach to doing business. There is a definite hierarchical approach, with respect being granted to those in senior positions, particularly those who have high qualifications and many years of experience. Being organised, neat and respectful of the time of colleagues will go a long way towards ensuring a positive outcome.
Senior management figures in Austria tend to be less open to group decision-making than in countries where a more inclusive approach is used. Management will often give direct orders to their subordinates who will then be expected to deliver on those instructions without question. Business culture in Austria is not very consensus-driven and managers are expected to be experts in their field – they are therefore considered to be in a position to make decisions alone without needing to consult their colleagues.
There is a somewhat old-fashioned sense of politeness and courtesy in the Austrian workplace. While senior managers hold most of the power within an organisation, they will rarely act in a tyrannical way. In fact, managers work hard to create a comfortable workplace. Keeping all the workers on their side is a priority. In order to maintain a respectful work environment, any form of correspondence, such as emails or memos, should convey a formal tone.
Sozialpartnerschaft
On a higher level, Austrian business culture prides itself on the concept of Sozialpartnerschaft, or social partnership, which promotes cooperation and dialogue in matters relating to industrial relations. It is important to work closely and cooperate with business partners and Austrian subsidiary companies.
Dos and don'ts of business in Austria
Do come to meetings well prepared; this means bringing supplementary materials for all parties
Don't arrive late to a business meeting in Austria, as it is seen as unprofessional
Do dress formally for business meetings in Austria
Do address people by their titles such as Herr (Mr), Frau (Mrs) or Fräulein (Miss), or in the case of senior management, by their academic or professional titles
Don't assume that Austrians are like Germans. While they speak German, Austria is a country with a great sense of history and a unique culture.
Work Permits for Austria
Expats who are not citizens of EU-member states must obtain a work permit to legally take up employment in Austria. There are a number of different types of work permits available depending on an expat's field of work and their level of skill and qualifications.
It is important to note that expats from non-EU-member states must apply for the relevant entry visa or work permit at the Austrian embassy or consulate in their home country prior to travelling to Austria.
Types of work permits in Austria
Red-White-Red Card
Valid for two years, this work-and-residence permit is granted to non-EU foreigners who score adequately on a points-based immigration system. Points are granted for various desirable attributes, such as special skills and qualifications, work experience and language skills.
EU Blue Card
This is a residence-and-work permit which allows highly qualified non-EU citizens to live and work in Austria for a period of up to two years.
Applicants for an EU Blue Card must have completed a university degree course of at least three years. Their qualifications must match the job profile and the salary specified in the contract must be at least one and half times higher than the average yearly income of full-time workers in Austria. This type of work permit will only be granted if the Austrian Public Employment Service is satisfied that the company could not find a suitable Austrian or EU citizen to do the job.
Red-White-Red Card Plus
After two years working for the same employer, Red-White-Red Card and EU Blue Card holders become eligible to apply for a Red-White-Red Card Plus. This gives expats fixed-term settlement and free access to the labour market, allowing them to change employers without having to reapply for a new card.
Family members moving to Austria to join either an Austrian citizen or a holder of an employment card are eligible for a Red-White-Red Card Plus right away.
Job Seeker Visas for Austria
This type of work permit is aimed at highly qualified non-EU citizens who want to work in Austria but have not yet secured a job and therefore cannot apply for an EU Blue Card or a Red-White-Red Card. As with the Red-White-Red Card, the Job Seeker Visa utilises a points-based system that applicants must satisfy to be eligible for this visa.
Under a Job Seeker Visa, an expat is allowed to visit Austria for up to six months for the purpose of finding and securing a job, but it does not allow them to work. Once expats have secured a suitable position, they must still apply for a relevant work permit.
Moving to Austria
Austria, officially the Republic of Austria, is a landlocked East Alpine country in the southern part of Central Europe, and an increasingly popular expat destination. Newcomers to Austria are enchanted by a country of picturesque historical little villages and modern cities, and they often elect to put down permanent roots.
Living in Austria as an expat
It is no wonder that so many expats are choosing to settle in Austria. Brimming with charm but also boasting efficiency and excellent service delivery, Austria and specifically Vienna has on several occasions been named the most liveable place in the world. The country also holds its own in the commercial and industrial sectors. Expats looking for a job in Austria have a good chance of finding employment in understaffed industries such as project management, engineering, research, finance and logistics.
Getting around in Austria is simple and straightforward, with efficient and well-maintained public transport facilities throughout the country. Trains are the easiest means of travel between cities, while buses connect many of the smaller towns to the main rail network. Cars are also popular and Austria's road network is extensive.
Healthcare in Austria is of an excellent standard, too. EU citizens can get access to treatment provided that they have a European Health Insurance Card. Those from outside of the EU should arrange for temporary health insurance until they are officially registered and covered by the Austrian public health system.
Cost of living in Austria
It's a well-known fact that Austria is one of the more expensive cities in Europe, though the quality of life here more than makes up for it. Expats worried about the cost of living can manage their expenses by living in more outlying areas instead of cities like Vienna, and shopping at local cost-effective grocery stores rather than the upmarket stores that import products.
Families and children in Austria
The capital, Vienna, is home to a quarter of the country's population, and most expats settle here. With a rich history, breathtaking architecture and an abundance of things to see and do, the city draws in droves of expat families each year. The city's high safety rating, wonderful quality of life, excellent location at the heart of Europe, as well as its host of excellent schools make it the perfect place to raise children.
Climate in Austria
Austria may be relatively small and landlocked, but it has oodles of charm. With impressive Baroque architecture, awe-inspiring churches and captivating cultural events, Austria will almost certainly steal the hearts of anyone who settles here.
Population: About 8.9 million
Capital city: Vienna (also largest city)
Neighbouring countries: Austria is a landlocked country which shares borders with Switzerland and Liechtenstein to the west; Germany and Czech Republic to the north; Hungary and Slovakia to the east and Slovenia and Italy to the south.
Geography: Austria is predominantly mountainous with the Alps running across the country. The River Danube, with its source in Germany, flows through Austria.
Political system: Federal parliamentary republic
Major religions: Catholicism
Main languages: German is the official language of Austria but English is spoken in the major cities.
Money: The Euro (EUR) is divided into 100 cents. Banking systems are sophisticated, ATMs are readily available and credit cards are accepted in most places.
Tipping: A service charge of 5 to 15 percent is expected at restaurants. Taxi drivers should be tipped as well.
Time: GMT+1 (GMT+2 from the last week of March to the last week of October)
Electricity: 230V, 50Hz. Plugs have two round pins, sometimes with grounding clips on either side.
Internet domain: .at
International dialling code: +43
Emergency contacts: 112
Transport and driving: Like most of Europe, Austrians drive on the right-hand side of the road. The standard of road infrastructure in Austria is excellent. New arrivals may need to adjust to driving in winter when snow can make mountain passes difficult to navigate. Public transport throughout Austria is also very good, so those without a car shouldn't struggle.
Embassy Contacts for Austria
Austrian embassies
Austrian Embassy, Washington DC, United States: +1 202 895 6700
Austrian Embassy, London, United Kingdom: +44 20 7344 3250
Austrian Embassy, Ottawa, Canada: +1 613 789 1444
Austrian Embassy, Canberra, Australia +61 2 6295 1533
Austrian Embassy, Pretoria, South Africa: +27 12 452 9155
Austrian Embassy, Dublin, Ireland: +353 1 269 4577
Austria Consulate, Wellington, New Zealand: +64 540 3000
Foreign embassies in Austria
United States Embassy, Vienna: +43 1 313 390
British Embassy, Vienna: +43 1 716 130
Canadian Embassy, Vienna: +43 1 531 383 000
Australian Embassy, Vienna: +43 1 506 740
South African Embassy, Vienna: +43 1 320 6493
Irish Embassy, Vienna: +43 1 715 4246
New Zealand Embassy, Vienna: +43 1 505 3021

redpajama_set_name: RedPajamaCommonCrawl


FAQs | This is Kenton, how may I help you?
Q: Is it true that you are a grampa?
A: Did I tell you about Ayden William Lee Johnson? Born in Tennessee in the summer of 2012. Smart, good looking, a little chip off the ol' block. Or the ever beautiful Sophia Noelle Lizen born in Oregon in May of 2014? Cuter as a button and man you should hear her laugh!
Q: What? Grandkid but no kids?
A: I'm very proud of my son Jeremy and his wife Vanessa who are raising my grandson, and also of my "little girl" Abi and her hubby Nick who live here in town with "Sophie". Not only proud of our youngest, Bethany, but so grateful for the joy she brings to us in these months or years we still have with her living with us. And we have two more kids too! One is in heaven already, we look forward to that first hug, and while not blood-related we have a very special "daugher" in Lombardia, Italy named Claudia. She only lived with us for a little under a year (school year 2009/2010), but she's still as much family to us as if she grew up under our roof and we miss her very much. Skype, FaceBook, GoogleVoice, cell phone calls, text messages, etc all are wonderful, but there's nothing like a real hug in person.
Q: Favorite spots on the planet?
A: pretty much what you see on this site, ministry, including non-traditional non-profit work and especially chaplaincy, photography, the occasional hike with my wonderful bride or whatever friend I can con into going with me, tinkering with IT schtuff, hangin with my bride doing anything.


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text:
11 Jordanian SMEs take part in PLMA Trade Show in Chicago
AMMAN — A total of 11 Jordanian small- and medium-sized enterprises (SMEs) showcased their products at the PLMA Trade Show for the first time in Chicago from November 13 through 15.
The participation was organised by the American Chamber of Commerce in Jordan (AmCham-Jordan) and supported by USAID Business Growth Activity and the Ministry of Investment, according to an AmCham-Jordan statement.
The Jordan pavilion attracted potential buyers and business partners from the US and globally that were interested in sourcing from the Kingdom to benefit from Jordan's quality products, price competitiveness, and extensive free trade agreements with many countries.
Obada Kayyali one of the participants representing Chains Trading Company, a food processing manufacturer, said that this year's show was critical as it comes after a two-year break following the COVID-19 pandemic.
Buyers were eager to identify new sourcing alternatives and innovative concepts to meet changes in consumer behaviours and market trends.
Kayyali said: "USAID Business Growth Activity's support was crucial in producing a prominent pavilion that stood out and portrayed a professional image of what the Jordanian industry has to offer."
First time exhibitor, Zeyad Abu Sal, from Layan for Chemicals Establishment, said that participants benefitted from an array of support services provided before and during the exhibition, including capacity building and networking efforts. "This support enabled us to better our company's position to capture real business priorities," he said.
The Jordan Pavilion presented food products such as Arabic sweets, Medjool dates, herbs and spices and canned foods from Adnan Khudari & Sons, Al Durra, Anabtawi Sweets, Chains Trading Company, Golden Bird, Nafeeseh Sweets and Palmera Dates.
Consumer goods, such as cleaning and detergents from Giant Industrial Group and Layan for Chemicals, were featured, in addition to disposable products and food service goods by Al Hadaf (RZ) and Jordan Tin Plate.
AmCham-Jordan Chairman Samer Judeh said that Jordan's participation is part of a strategic approach under the National Tijara Coalition to give greater visibility to the Jordan brand and advance opportunities for Jordanian manufacturers.
He added that businesses working together with the support of the government and the assistance of USAID Business Growth Activity will help Jordan diversify and grow trade with the United States.
These efforts are planned to continue in 2023, when AmCham-Jordan will organise the Jordan Pavilion in three major shows in the US, the statement said.
Wafa Aranki, Chief of Party at USAID Business Growth Activity, said: "As part of our goal to support Jordanian companies and ensure their successful participation at the trade show, USAID Business Growth Activity, in cooperation with AmCham, provided various services including workshops and marketing activities to enhance companies' visibility. In-addition to that, B2B meetings were organised to link Jordanian companies with potential buyers in international markets."


Indoor Plants There are 41 products.
Aglaonema is a genus of flowering plants in the arum family, Araceae. They are native to tropical and subtropical regions of Asia and New Guinea.They are known commonly as Chinese evergreens. It is a type of plant which can survive in varying degrees of indoor conditions.
Botanical Name : Aglaonema commutatum var.


Postgraduate in Management and Cultural Policies by the University of Barcelona, and by the City University of London, in Arts Management.
Director of the Festival of digital creativity and Offf design, with 17 editions.
In recent years he has been director of the Mobile World Center, a space dedicated to the analysis and visualization of technologies in the social and cultural field.
He is the Academic Coordinator of the Postgraduate Program in Production and Event Management of the UB.
His teaching experience, in addition to the courses of Cultural Management of the UB, also includes several subjects in the Department of Management and Promotion of the ESMUC, such as Management of Innovation, Organization of Concerts and International News. He is also a teacher at the ESDI School of Design, Project Design.
He has been at the forefront of several projects related to the Creative Industries, in the public and private sector I of international scope, with brands and projects such as Sonar, Teatro Libre, CCCB, La Fura, The Auditorium, Auditorium of Girona, Culture 03, between others.