Wednesday, May 18, 2011

DHSMV Community Update / Informe Comunitario - May 2011

NEW MIAMI OFFICE OPENS: The Florida Department of Highway Safety and Motor Vehicles opened the new Miami Driver License Office, located in the Mall of Americas at 7795 West Flagler Street. In addition to providing more services at one convenient location, customers who arrive when there is a 15-minute or longer wait time, will receive a restaurant style pager that will notify the customer when their number is called. This will give customers flexibility to shop or grab a snack at the mall to pass the time while they wait.
The Department is pleased to offer an improved environment for our customers at what is now the largest driver license office in the state. By consolidating a driver license office with two other offices in Miami, we expect to see a significant savings of taxpayer dollars. We encourage customers to skip the trip and conduct their driver license business online, where various services are available. Customers can renew driver licenses, identification cards and vehicle tags, and change an address on their license or identification card from the comfort of their own home or at work by logging on to http://www.flhsmv.gov/.

MOTORCYCLE SAFETY - SHARE THE ROAD: Gov. Rick Scott has proclaimed the month of May as Motorcycle Safety Awareness Month in Florida. The Department of Highway Safety and Motor Vehicles is teaming up with military installations in Pensacola, Jacksonville, Tampa and Miami to host news conferences this month that bring attention to motorcycle safety. The month-long focus is a good reminder for all road users that we all have a role to play in motorcycle safety. If you are a motorcycle rider, the following protective gear could save your life:

• Helmet (mandatory for riders age 20 or younger and for riders not covered by an insurance policy providing for at least $10,000 in medical benefits for injuries incurred as a result of a crash while operating or riding on a motorcycle)
• Eye protection (a windscreen on a motorcycle does not qualify as eye protection)
• Foot pegs for passengers
• Proper footwear (protects feet and ankles by giving you a good grip on road surfaces)
• Gloves (keep hands comfortable and protected)
• Jacket and pants (provides protection against sunburn, windburn, dehydration and abrasions)
Click here to find out the requirements to obtain a motorcycle endorsement.

FOR TEEN DRIVERS AND PARENTS: The Florida Department of Highway Safety and Motor Vehicles has a parents section on its teen driving website www.flhsmv.gov/teens. The website provides parents with useful information to help them teach their teens to become safe drivers. Florida’s graduated driver licensing program allows teens to obtain a learner’s permit at age 15, which restricts them to driving only under certain conditions with a licensed adult. Other restrictions apply to teens with an operator’s license until their 18th birthday.

To ensure that both parents and teens have a complete understanding of the law, an explanation of each phase of the graduated licensing program and the related restrictions can be found on the website. Certain behaviors are associated with the cause of the high fatality rate of teen drivers including: inexperience and immaturity combined with speed, alcohol consumption, not wearing seatbelts, distractions, drowsiness, and driving when visibility is limited. The website includes a driving guide and a driving log to track the 50 hours of practice that teens must record to obtain their intermediate operator’s license. To visit the website, please go to: www.flhsmv.gov/teens

KIDS SAFETY - Children ages 4 to 7 are too young to fully understand the need to travel in the proper seats for their age. That is why it is recommended parents educate children in this age bracket to sit in booster seats. Overall, booster seats reduce the chance a child will be injured by 59 percent. States with booster seat laws see lower numbers of child fatalities in highway crashes. Booster seats save lives!



Thursday, May 12, 2011

Banking & Letters of Credit Series- FCBF-

Global Trade (Topic May 31, 2011)

a. Terminology
b. How it works
c. Documents Called for under L/C
d. Legal Basis for L/C
e. International Trade Payment Methods
f. Risk Situations in L/C Transactions
• Foreign Exchange
• Fraud
• Risks to Applicant, Issuing bank, Advising Bank, Beneficiary, etc.

Business Operating Cycle/Fraud Prevention (Topic Aug. 31, 2011)
a) Terminology
b) Cash Flow Cycle: Control/Reporting
- Receivables
- Inventory
- Payables
c) Fraud

Depreciation 101 (Topic Sept. 30, 2011)
a) Terminology
b) Methods of Depreciation
• Straight Line
• Declining Balance
• Accelerated
c) Impact of Section 179


Small Business Administration (Topic Oct. 31, 2011)
a) Terminology
b) Loan Types
• 7a
• 504
• Express
c) Benefits
d) Eligibility
e) Forms

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