New Ideas

OFFICE SUPPLIESDespite the growth of technologies that supposedly herald the impending arrival of the paperless office, offices in todays business environment would still be decidedly incomplete without paper, pens, file folders and other traditional office tools. Although their cost is small when purchased separately, in the aggregate they amount to a substantial portion of office expense. Small business owners should thus make sure that they pay attention to office supply costs and keep all receipts of such purchases, since office supplies are a legitiimate business deduction for tax purposes. PROCUREMENT OPTIONS In recent years, office superstores and catalogue supply houses have emerged as the most efficient and inexpensive way to purchase various types of supplies. The average client of these superstores is the small- to medium-sized business, as well as the home office market. The convenience of being able to find virtually any office supply at one location is one of the primary reasons for the increased popularity of the superstores. In addition to convenience, these stores and catalogues offer merchandise that is very competitively priced since they are able to purchase their goods at bulk rates. Some of these savings are usually passed along to small business customers, especially if the stores are operating in a competitive environment.
With a little planning and forethought, ordering office supplies from catalogs can save you as much as 70 percent off list prices. Delivery times, ordering procedures, terms, and return policies differ from company to company, however, so its up to you to find out if the catalog supplier youre ordering from will meet you neds. HOME-OFFICE COMPUTING compared four leading catalog houses that target home-based business people: Penny Wise, Reliable, Viking, and Visible. Shipping charges. PennyWise and Viking require a minimum order of $25 to qualify for free shipping. Reliable has no minimum but charges a small handling fee on all deliveries. Visible charges for all shipping.
DEFEATING THE SUPERSTORESOak Three Office Supply, Inc. in East Hanover, NJ, has come a long way since starting out in a garage in 1979. Since then, Bill Kesselman, President, has grown Oak Tree into a highly successful office supply and office furniture dealership, serving companies with “one- stop shopping” for all their office supply needs.

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CHRISTMAS BUREAU - The Christmas Bureau will accept individuals and families from 9 a.m. to 4 p.m. today, Tuesday and Wednesday at the Sweet Building, S.W. 6th and Topeka Boulevard.

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Debt is Slavery
Effective January 1, 2001, Treasurys Bureau of the Public Debt revised formats, titles, and column headings in the “Monthly Statement of the Public Debt of the United States,” Table I: Summary of Treasury Securities Outstanding and Table II: Statutory Debt Limit. These changes should reduce confusion and bring the publication more in line with the publics use of terms. Treasurys Financial Management Service (FMS) compiles data in the “Treasury Bulletin” tables FD-2 and FD-6 from the “Monthly Statement of the Public Debt of the United States.” Effective June 2001, FMS revised procedures and categories in these tables to agree with the Bureau of the Public Debts publication changes. * Table FD-1 summarizes the Federal debt by listing public debt and agency securities held by the public, including the Federal Reserve. It also includes debt held by Federal agencies, largely by the Social Security and other Federal retirement trust funds. The net unamortized premium and discount also are listed by total Federal securities, securities held by Government accounts and securities held by the public. The difference between the outstanding face value of the Federal debt and the net unamortized premium and discount is classified as the accrual amount. (For greater detail on holdings of Federal securities by particular classes of investors, see the ownership tables, OFS-1 and OFS-2.)
Traders who are owed debts in the Argentine must be wondering whether President Eduardo Duhalde will be able to deal with his countrys political and economic crisis. Readers who may not have used this type of service before might like to consider this method of reducing their bad debts, especially if they are either uninsured or self-insured. Omni Whittingtons emerging market services began in 1986. Its core activity is the collection of defaulted sovereign (government) or bank guaranteed trade debts evidenced by letters of credit, promissory notes, bills of exchange or similar instruments. The group employs approximately 350 staff in offices in the UK, the Netherlands and the United States. Collection work is carried out on no cure, no pay terms. This means that all of the legal and associated costs are borne by Whittington and they are remunerated by retaining a pre-determined percentage of the recovery actually achieved. This is an extremely useful solution utilised by multi-nationals, banks, and the political risk insurance market, including Lloyds syndicates. Not all creditors are keen to take the legal route and some exporters, when faced with short term liquidity problems, seek a more immediate solution. With this in mind, defaulted payment instruments can be purchased through a dedicated investment fund, which is under Whittingtons control and management. Incidentally, the company undertakes to provide creditors with a full feasibility assessment of their default situations and, where possible, provide them with a collection and/or purchase proposal. This service is provided free of charge and is conducted with utmost confidentiality.

Debt Counseling

Eric Riebling Co. Inc. Eric Riebling offers JOWI mobile racks, which are available in either telescopic or fixed chassis and are either single- or double-sided; each rack can be moved from workstation to workstation easily, Eric Riebling says. The carrying bars are covered with a solvent-resistant plastic.
CIRCLE READER SERVICE NO. 58

supermarket racking

Also, Gov. George Pataki vetoed the prevailing wage notification bill that would have required employers to inform employees what the prevailing wage is on their jobs. A notice would be enclosed in workers first paychecks, but Pataki said the requirement would have been onerous for some employers. The sponsor of the measure, Westchester County Assm. Richard Brodsky, said Pataki was turning a blind eye to workers rights. The measure was unanimously approved by both houses.
The “best” job for you to pursue is a “fun” job! A job that is exciting to you. A job where you cant wait to get to work when you wake up! Do you realize that perhaps as many as 80 percent of the people in the workforce today dont enjoy what they are doing? What a terrible way to go through life! Starting salary, bonuses, benefits and geography are certainly important. But those things will take care of themselves. If your work is fun, you will be good at it, and the tangible rewards will follow.

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SAN FRANCISCO — The following release focuses on the topic Home Improvement: LOUISVILLE, Ky.–GE ClimateKeeper2 Refrigeration Technology Keeps it Fresh in the Kitchen (12/01/2004 - 08:00 AM, SOURCE: General Electric Consumer Industrial, NYSE:GE)
For years, Remodeling magazines annual “Cost vs. Value Report” has offered comfort to homeowners investing hefty dollars into home improvement projects. The high payback on the most popular rehabs - kitchens and bathrooms - has even been the catalyst to spur some homeowners to remodel. They felt confident that if they did good work, theyd get back most of their funds. Does this mean that homeowners should stop renovating? Hardly, especially when they have a distinct vision of how they want their home to look and function - and if they have the funds. But decreasing numbers suggest greater caution: - Never overimprove. Take the value of your existing home, add in the cost of your potential improvements and be sure the new sum doesnt exceed the value of comparable neighborhood homes.

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The pool was such a hit that from the day it was opened the town has been buoyed up on a wave of civic pride. Not since the alcoholic dwarf and his convicted paedophile father were bludgeoned to death, mutilated and set on fire by a group of unemployed teenagers have the local townspeople been as collectively exhilarated. Phrases like community spirit and our childrens future are still peppering the letters page of the local paper. Property prices have risen slightly. An ecumenical church service of thanksgiving is being planned. And people of all ages are learning how wonderful it is to be able to swim. Naturally enough, in a rural area such as this, there are people who have had little or no previous experience of either indoor swimming pools or unisex changing rooms. On the very first day, a 57-year-old farm labourer was cautioned by police for allegedly exposing himself in a cubicle. And an unclaimed pair of wellingtons and a decomposing ferret were discovered in a locker after a persistent smell was traced to its source. In the pool itself a 25-year-old supermarket manager sustained a nasty head injury after taking a running dive into the shallow end. When the pool was divided into lanes to cater for the serious swimmers, problems also occurred when new swimmers presumed an entitlement to one lane each on a first-come-first-served basis. I myself was reprimanded and then lightly assaulted by an elderly lady who believed that, by swimming in a lane that was already occupied by her, I had taken a serious liberty. But theres nothing that a few extra signs in the changing room and at the poolside wont sort out.
+++NO CARRIER

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Carpets by Otto is a division of Sav-A-Carpet Inc., a company founded in 1969 by Otto and Dee Weik as a carpet cleaning and janitorial service. After a year in business, Sav-A-Carpet began selling carpet purchased from local distributors and found it to be a successful sales endeavor. This prompted the Weiks to travel to Dalton, Georgia to look into purchasing carpet directly from the manufacturer. They returned to the Toledo area with 20 to 30 small rolls of carpet, and Carpets by Otto was born. Carpets by Otto is now the largest independent floor covering retailer in northwest Ohio, according to the company. Their two-story showroom on Angola Road houses their regular selection, and the Rems Rolls Outlet on Hamilton Drive in Holland features roll specials and hundreds of remnants. There are never any “sales” at Carpets by Otto, as the company prefers to allow customers to shop at their own pace with no pressure or gimmicks. The company offers more than 30 brands of carpet and the selection is constantly growing. They have access to more carpet and hard surface flooring products than their floor space can accommodate, so customers can often get what theyre looking for even if they dont see it in the showroom. Customers can also shop on the Internet by visiting where they will find lists and descriptions of available products, helpful buying and maintenance tips, and answers to frequently asked questions about carpet and flooring.
CarpetThe first carpets of note were woven by nomads. The thick carpets were easy to transport and were placed over the sand floor of tent dwellings. Early looms were similarly easy to transport. Two forked branches were joined by a crosspiece holding the suspended warp, and a wooden bar was used to flatten binding weft threads, while the loose warp ends formed the carpets pile. The Pazyryk carpet has been documented as the earliest hand loom carpet, dating back from 500 B.C. and discovered in a tomb located in the Alti Mountains in Central Asia.
Mannington Commercial introduces Ways and Means, a duo of geometric and organic patterns. Ways is a soft geometric pattern that coordinates with many different color schemes. Means is an organic pattern that allows for maximum design flexibility. Each is produced in 12 colorations. CIRCLE 90 ON READER SERVICE CARD

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Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.

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The justice system is a mockery when criminal lawyers can manipulate the system, and the evidence, to get criminals exonerated. Why does the justice system allow lawyers to abet, aid and reward criminals to thwart justice? Such lawyers are guilty of despicable injustices upon humanity. The justice system rewards the lawyers for their actions in thwarting justice. Defense lawyers who commit such atrocities become co-conspirators and perpetrators of criminal injustice and must be held accountable.
Business Editors/Legal Writers Orrick, Herrington Sutcliffe LLP announced today that leading white collar criminal defense lawyer and former federal prosecutor Walt Brown has joined the firm as a partner in its litigation practice. He will be based in the firms San Francisco office.
I used to love to go to parties. Sadly, that all changed once I became a criminal defense attorney. Below is the conversation that I have at every shindig that Ive attended over the last 10 or so years. (Invariably dollar signs flash in my new acquaintances eyes despite the fact that Im clearly wearing a suit unfit for a rack in a fancy law firm.)

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[ILLUSTRATION OMITTED]
FINANCEDividend policy is the decision regarding funds to be distributed or returned to the equity investors. This can be done with common stock dividends, preferred stock dividends, or stock repurchase by the business of its own stock. The aim of this decision is to retain the resources in the business that are required to run the business or make additional investments in the business, as long as the returns earned exceed the required return. In theory, management should return or distribute all resources that cannot be invested in the business at levels in excess of the required return. In practice, however, dividends are often maintained at or changed to certain levels in order to convey the proper signals to the investors and the financial markets. For example, dividends can be maintained at moderate levels to demonstrate stability, maintained at or reduced to low levels to demonstrate the growth opportunities for the business, or increased to higher levels to demonstrate the restoration of a strong financial (capital) structure (debt and equity capital) for the business.Capital is the total of financial resources invested in the business. In terms of the sources, there are two types of capital: interest-bearing debt funds, such as loans, bonds, short-term notes, and interest-bearing payables to trade suppliers; and equity, such as common and preferred stock and the earnings retained in the business that add to stockholders share of the entities. In terms of uses, there are also two types of capital: net working capital, such as operating cash, inventory, and receivables, less interest-free payables to trade suppliers; and fixed capital, such as property, plant, and equipment. Capital is managed to maximize wealth by maximizing the rates of return on investments of capital and thus maximizing the total net present value of the business. This can be done by minimizing the amount of capital used for given business investments with given business returns.

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Richard Santana
Youth ministers can learn something by understanding why geese fly in formation, a keynote speaker told participants at the National Conference on Catholic Youth Ministry in Denver Dec. 5-8. “Geese know how to work together in order to fly the farthest,” said Carole Goodwin, director of youth ministry for the Louisville, Ky., archdiocese and a popular national speaker on adolescent issues at training workshops for catechists and youth ministers. More than 2,100 youth ministers from all over the United States attended the conference, hosted by the Denver archdiocese and sponsored by the National Federation for Catholic Youth Ministry. It featured workshops for people from an levels of parish youth ministry, from volunteers to professionals. Topics included “A Time to Heal–Responding to Sexual Abuse,” “Challenging the Youth Sports Culture,” and “Dealing with Liability.”

Youth Speakers

The GolfCourseHome#174;Network is seen by marketers as a valuable marketing
tool for reaching affluent Baby Boomers looking for the country club
lifestyle and country club real estate. In its current issue, Business Week
magazine cited Vespas recent advertising of its newest scooters on the
GolfCourseHome#174;Network as an example of how smart marketers are reaching
the affluent sector of the Boomer generation.

“Million-dollar homes, and the luxury amenities that accompany them, are an
exciting, growing market,” notes David Lott, GolfCourseHome#174;Network
Editor and Publisher. “GolfEstate.net will make it easier for consumers to
find whats out there and it will make it easier for luxury marketers to
find them.”

GRAEME McDowell cant wait to put Northern Ireland golf back on the map at Clandeboye this Thursday. McDowell and fellow European Tour star Darren Clarke are the main attractions in the 200,000 Euro Northern Ireland Masters, a Challenge Tour event endorsed by Ryder Cup hero Clarke. Thursdays first round will mark the first time Clarke has played in a pro event on home turf in 10 years. It will also be the first time ex-Walker Cup star McDowell has played for money in his home province.

Oakdale Country Club Homes

POP Robbie Williams BY 9.05pm, the fans had waited long enough. Smelling blood, they bayed even louder: “Roh-bay, Roh-bay.” A public-service style announcement interrupted the din, requesting “silence” for the stars entrance. It only drove them wilder. True to form, Williams was worth the wait. With a burst of music more suited to an Old Spice advert, the tap-dancer from Stoke emerged triumphantly from a cage. Perhaps you had to be there.
Derel Schrock is just your basic home cook — assuming your basic home cook regularly whips up meals for 40, cooks on an eight-burner stove, attends cooking classes as often as some people go to movies and buys special ingredients overseas. In person. So maybe hes more into food than the average home cook, but hes a home cook, nonetheless — a 60-something retired US Airways pilot and Air Force reserve officer who loves to travel and throw “wingdings” for his friends so he can whip up special dishes hes collected from cooking schools around the world. “The kitchen is where the party happens,” he says. “Thats why I have plenty of space for people to stand around, and a bar with stools overlooking the island cook top so you can sit down and watch the action.”

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Leann Sondra Maceau and Steven James Frank, both of Cudahy, were married Feb. 11. She is the daughter of Donald Joseph Maceau Jr., Milwaukee, and the stepdaughter and daughter of Albert and Justine Cheever, Milwaukee. He is the son of Peter John and Judith Ann Frank, Hartland. Incomplete forms will not be used.
Weddings
Weddings

Boston wedding planner

They can provide either comprehensive preventative, cosmetic, or emergency care, or specialize in a single field of dentistry. This report covers the scope, size, disposition and growth of the industry including the key sensitivities and success factors. Also included are five year industry forecasts, growth rates and an analysis of the industry key players and their market shares.
A few years ago, Dr. Bernie Villadiego saw 15 to 20 patients a day, made treatment decisions based on what insurance companies would reimburse, and, ultimately, grew cranky and bored. Today Villadiego, a Chatsworth dentist, averages between six and eight patients a day, performs any number of state-of-the-art procedures and bills for what the treatments are worth.

Beverly Hills cosmetic dentist

Hecht: Shawnee County district attorney makes rulings in fatal beating and stabbing Two more homicide cases have been deemed justifiable by the Shawnee County district attorney, raising the number of justified killings to three so far this year.
Alex Wiedenhoeft has spent the past 7 years answering the same question about 10,000 times. When foresters, lumber dealers, crime investigators, and museum curators really need to know, “What kind of wood is this?” Wiedenhoeft is one of the few people they can go to. “A man called to say hed bought an end table at an auction for $15,000, which I found flabbergasting just on general principles,” remembers Wiedenhoeft of the U.S. Forest Services Center for Wood Anatomy Research at the Forest Products Laboratory in Madison, Wis. Wiedenhoeft studied the samples and reported that they came from one of several kinds of white pine. He stated the limits of his evidence carefully. Yet his report, combined with factors such as the size of the wood pieces and the tables age, suggested that the man had unknowingly bought eastern-white-pine furniture made on this side of the Atlantic. Not exactly bad news: The potential value of the little table, now recognized as a rarity, jumped to more than $100,000. The 26-year-old Wiedenhoeft represents the new generation of wood anatomists. Theyre familiar with scanning electron microscopy and molecular genetics. Yet most of the cases Wiedenhoeft gets, even the exotic ones, still depend on spotting classic quirks of wood at the tissue and cellular levels. Optics may have changed somewhat since Sherlock Holmes day, but Wiedenhoeft still takes his first look at a problem with a handheld magnifying glass.
Lincoln Mercury in June launches a print and TV pitch for its Lincoln Premier Certified Pre-Owned (CPO) cars, joining rivals who are also trying to turnover a massive pool of formerly leased vehicles hitting the market. The campaign, which begins June 1, will initially focus on Lincoln luxury vehicles Continental and Town Car, now coming off 2- and 3-year factory leasing, according to Andy McKinnon, Lincolns manager of fleet, lease and remarketing. Sherry Pollack, group creative director at the agency, said the campaign comprises two 30-second TV spots and a related print campaign, all with a “day in the life” documentary feel, mimicking the book. One of the spots, “Hamptons,” opens with a man driving a late-model Lincoln to estate sales in a posh area. The spot lampoons the setting (espresso machines and English saddles) while lionizing the drivers thrift.

Pool Cue Cases

As a natural extension of our experience in the production of CDs, Nimbus took a pioneering role as an early entrant into the DVD marketplace. Today, Nimbus is recognized as one of the industrys most experienced DVD replicators and technology innovators. The company began production of its first DVDs in September 1996 and has pressed more than 5 million discs since DVD players became commercially available in January 1997. When it comes to DVD, the importance of experience in production cannot be stressed enough. While the manufacturing principles for DVD are similar to those for CD, a DVDs pit length and track spacing are significantly reduced so that the surface area of a DVD can contain approximately four times as many pits as a CD. This fundamental issue and the fact that DVDs are comprised of two half-thickness, bonded substrates makes the manufacturing considerations of DVD far more challenging. The processes of DVD mastering and replication are notably more complex than for CD; both require a higher degree of manufacturing precision. At Nimbus, rather than using upgraded CD mastering equipment, DVD mastering is performed on dedicated UV laser beam recorders, specifically designed to create optimum quality DVD stampers. In mass manufacture, the thickness of disc substrates must be more uniform; there must be reduced eccentricity of track-to-center-hole and the bonding technology has to be optimized. All these criteria must be met in order to produce a resulting product that is very fiat–a key element in achieving DVD quality. While many of the same disc artwork options used for CD are also available for DVD, some of the most common techniques may have an adverse effect on the flatness of a DVD. Pit art imaging, where disc artwork is molded from a stamper, is unique to DVD and is a cost-effective option that eliminates the traditional printing process.
WESTWOOD, Mass.–(BUSINESS WIRE)–June 3, 1997–Modus Media International today announced plans to launch its own domestic CD-ROM and DVD-ROM (digital versatile disc) manufacturing operation expected to produce up to 60 million units annually. Operations are set to go live this summer in a multimillion dollar facility located in northern Utah. A double-sided DVD disc has up to 17 gigabytes of storage capacity, 25 times greater capacity than current CD-ROMs. A small number of multimedia software titles are already available on DVD, and several ISVs (independent software vendors) plan to introduce other DVD titles during 1997. Computer hardware manufacturers will begin equipping their high-end PCs with DVD drives later this year. By 2002, the market consulting firm InfoTech expects the installed base of DVD-ROM drives to surpass that of CD-ROM drives. “CD-ROM has proven to be a very effective delivery medium for large amounts of data, text, graphic, video, audio and multimedia content. By expanding our CD operations and investing now in the next wave of DVD technology, Modus Media will be a major player in optical disc manufacturing,” said Terry Leahy, CEO. “This added CD/DVD capacity and capability, along with our portfolio of demand print, assembly and fulfillment services, provides a seamless supply chain management solution for our customers.” Modus Media currently provides replication services of over 100 million CD-ROMs and diskettes per year.
CAMARILLO, Calif.–(BUSINESS WIRE)–March 25, 1998–Carlton Communications Plc Wednesday announced a significant investment in the production and distribution of digital versatile discs (DVDs) by its wholly owned subsidiary, Technicolor Inc. Techniolor handles a vast logistics operation, distributing both videocassettes and DVDs to thousands of retail outlets for its customers. Technicolors clients include Hollywood studios (Disney, Warner, New Line, Republic and DreamWorks), as well as major independent rights holders and interactive content publishers. June de Moller, managing director of Carlton, said: “The Hollywood Studios produce world-beating entertainment. Technicolor manufactures, packages and distributes that entertainment so that people can buy it and take it home — and they are doing so in ever-larger numbers. We want to service our customers in every major market and in every major format. Were expanding in both videocassette and DVD because both markets are growing.

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KITES are once again soaring over Afghanistan. Banned under the Taliban, kite-fighting, as its name suggests, is not a peaceful day in the park for the men and boys who compete, but an aerial battle. The kite string is coated with ground glass, which turns into a blade. The object is to slice an opponents string and send his kite crashing to the ground. With the recent release of the Kite Runner, based on Afghan-American writer Khaled Hosseinis novel, a much wider audience has been inroduced to sport.
200 B.C.-A.D. 200. Kites were used by military of the Han Dynasty. 1749 Alexander Wilson and Thomas Melvil, Scotland, used kites to record air temperatures at different altitudes. 1752 Benjamin Franklin used a kite and a key to prove there was electricity in lightning. 1804 George Cayley developed the idea of heavier-than-air flight using a modified arch top kite glider.
Clinics will discuss building kites, the basics of flight and trick flying. Spectators can also enjoy a sky filled with colorful kites.

Kite Shop

Easy IlluminationSinatra aside, nothing sets the mood better than candles. Pillars scented with cinnamon or vanilla make a living room extra cozy, and a few dozen tea lights are all it takes to make a party shine. Even small votives add ambience. Of course, candles do have annoying habits. They drip wax, refuse to stand up straight in holders, and emit lots of smoke. In a quest to conquer candle conundrums, we came up with a list of tips.Tis the season for lots of candlelight. Heres a checklist for all you need to know before you get glowing.
CHAMELEON CANDLING
When entertaining outdoors, use candles, glass jars, and fresh cutting for a creative summery tablescape. To re-create this look, begin by gathering cream-colored candles and glass containers in various shapes and sizes. Include one or two large hurricane globes to cover tall pillar candles. Tie a few blades of beargrass around the necks of the jars, and tuck in flowering sprigs of bupleurum or dill. Use floating candles in several of the smaller jars, filling the containers partially with water. Short pillars and votives can rest inside other jars. Scatter the candles along the table, varying the heights. Mix in more glass containers with simple arrangements of dill, bupleurum, and lilies or other seasonal blooms. Beargrass jutting out from tall bottles gives height at one end of the table. You can also use jars for holding the flatware as well as linen napkins. Nestle in stacks of lightcolored plates and bowls, and play with the entire arrangement to create a flow from back to front. Add wine glasses to the tabletop, accompanied by a bottle of wine in a clear ice bucket or sparkling fruit juice in a glass pitcher.

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WESTWOOD, Mass.–(BUSINESS WIRE)–June 3, 1997–Modus Media International today announced plans to launch its own domestic CD-ROM and DVD-ROM (digital versatile disc) manufacturing operation expected to produce up to 60 million units annually. Operations are set to go live this summer in a multimillion dollar facility located in northern Utah. A double-sided DVD disc has up to 17 gigabytes of storage capacity, 25 times greater capacity than current CD-ROMs. A small number of multimedia software titles are already available on DVD, and several ISVs (independent software vendors) plan to introduce other DVD titles during 1997. Computer hardware manufacturers will begin equipping their high-end PCs with DVD drives later this year. By 2002, the market consulting firm InfoTech expects the installed base of DVD-ROM drives to surpass that of CD-ROM drives. “CD-ROM has proven to be a very effective delivery medium for large amounts of data, text, graphic, video, audio and multimedia content. By expanding our CD operations and investing now in the next wave of DVD technology, Modus Media will be a major player in optical disc manufacturing,” said Terry Leahy, CEO. “This added CD/DVD capacity and capability, along with our portfolio of demand print, assembly and fulfillment services, provides a seamless supply chain management solution for our customers.” Modus Media currently provides replication services of over 100 million CD-ROMs and diskettes per year.
Internet and entertainment company AOL Time Warner has sold its DVD and CD manufacturing operations to Cinram International, a Canadian CD and DVD manufacturing company. The business operations were reportedly sold by AOL Time Warner in a bid to reduce its debt.

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KITES are once again soaring over Afghanistan. Banned under the Taliban, kite-fighting, as its name suggests, is not a peaceful day in the park for the men and boys who compete, but an aerial battle. The kite string is coated with ground glass, which turns into a blade. The object is to slice an opponents string and send his kite crashing to the ground. With the recent release of the Kite Runner, based on Afghan-American writer Khaled Hosseinis novel, a much wider audience has been inroduced to sport.
Kites For Everyone The 1984 classic for beginners and experienced kitemakers now revised and expanded. Diagrams and instructions for 39 paper, plastic and fabric kites. Classroom kitemaking tips. 128 pages, paper, $15 + $2 shipping. More Kites For Everyone Challenging fabric kites and more classroom kites. Covers materials, work site arrangement, flying, safety, history, science. Instructions and drawings for 17 kites. To order contact: Margaret Greger, 1425 Marshall Richland, WA 99352 * (509 943-3951
ASIAN KITES (2005, $9.95), by Wayne Hosking. Tuttle Publishing, 364 Innovation Dr., N. Clavendon, VT 05759; peripluspublishinggroup.com/tuttle. Kites can be made of many different materials, from thin, veneered wood to feathers. This is a book that outlines the essential features of kites: frame (helps form and keep the kites shape); sail (the surface that catches and deflects the wind); kite line (the cord or tether); and tail (acts as a stabilizer for a kite in flight). The book then goes on to discuss how to fly a kite and where to fly a kite. What then follows are various projects with detailed instructions as to the making of specific kites: butterfly, back, Thai Cobra and fish. Sections are organized around kites from specific areas: China, Malaysia, Thailand, Korea and Japan. A useful listing of kite materials and supplies as well as a bibliography is included.–J.J.H. For information about this publication, circle No. 393 on the Reader Service Card.

Kite Shop

Nows the time to shine. Turn your collection into warm and wonderful displays with these easy and unexpected ideas. Bargain idea of the month: Fish bowls cost about a dollar apiece at crafts stores. Pluck a few in different sizes from the shelves, and center a gold pillar candle in each one to give your tabletop an inviting glimmer.
CandleCandles have also been used for religious purposes. The Bible, for instance, makes numerous references to the use of candles, including the story of King Solomon who, after building the Temple, used ten candle-sticks to light the north and south ends of the structure. In the Middle Ages, candlemaking became a popular occupation, as evidenced by the creation of many candlemakers guilds throughout Europe. Later, candles were used as a means of keeping time. At auctions, the bidding time was limited by inserting a pin into a candle and letting the wax melt until the pin dropped, thus concluding that period of time.

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ELEVEN months of sun a year guarantee you a warm welcome to Cyprus. Wherever you are on the island, the deep blue waters of the Med are never more than a two-hour car ride away. The coastline, hugged by resorts and luxury hotels, is a mixture of sun-soaked glistening sands and rocky coves. Inland vineyards cling to hillsides along with citrus groves and banana plantations. Come spring, February to April, Cyprus bursts into bloom with a blaze of floral colour. It is also as great spot for bird watching.
Getting there: Numerous operators offer scheduled and charter flights to Larnaca and Paphos. For example, Senator Travel (0171-935 4545) has charter flights from Luton for Larnaca starting at around pounds 169; prices increase towards the summer. Further information: Cyprus Tourist Office, 213 Regent Street, London W1R 8DA (0171-734 9822).
C YPRUS

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face=+Bold; The science of the deal: Using BPO to make utility mergers workface=-Bold; The rationales of recently announced or completed mergers–such as FPL and Constellation, Duke Energy and Cinergy, Exelon and PSEG, and Macquarie Bank and Duquesne Light Holdings–share common themes. They are (in no particular order): increased size, lower costs, higher efficiencies, synergies from combining business units, improved customer service and reliability, and consistent profitability and growth. Those gains will be realized through the introduction of:
Skytron is pleased to introduce Skytron Asset Manager, powered by Awarepoint; our patented wireless, RFID tracking system utilizing completely sterilizable tags for CS and Surgery. Sterilizable tags can be attached to instrument trays or containers and tracked throughout reprocessing and sterilization with 1-3 meter accuracy. Skytron Asset Manager provides tracking visibility at every minute for your critically tagged assets and instrumentation, especially when you need them most.

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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Jerry Long

Denver Colorado real estate

Mr. Klinghoffer is NRs literary editor.FALL is here at last and Ive been looking forward to it for a number of rea- sons: crisp autumn air, orange leaves, pumpkin pie, and the probability that the sexier women on our city streets would begin to put their clothes back on again. By winter, they may be fully dressed.The male instinct tells us to celebrate this. Recently I conducted a survey of my male friends, in their twenties and thirties, and found they had all taken note of the evolution in fashion: shorter shorts, shorter skirts, chiffon-type skirts that are long but see-through, suggestively ripped Levis, very tight and small white T-shirts baring eight inches of tanned stomach, very thin loose T-shirts worn without a bra. No shape or location of anything, no ques- tion as to firmness or softness, is left ambiguous.
Clothes IronA clothes iron is a household appliance used to press the wrinkles out of and creases into clothes. When the iron is turned on, the consumer moves it over an item of clothing on an ironing board. The combination of heat and pressure removes wrinkles.
Dear Heloise: I have five closets, and when the seasons are about to change, I dry-clean some of my clothes, then store them, still in cleaner bags, until their season rolls around again. The clothes that arent dry-cleaned are still placed in cleaner bags for storage. Am I doing more harm to my clothes than good? — S. Nauls, Houston Clothes should never be stored for a long time in plastic bags. Plastic doesnt allow clothing to “breathe,” and in high-humidity states, it can cause mildew and mold. Also, plastic allows light to penetrate, which can cause fading.

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7.1% With home centers paying more attention to their floor coverings category, independent dealers specializing in flooring have had to fight harder for market share, and competition is only beginning to heat up.
by DeckRite [ILLUSTRATION OMITTED]

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To open up a small kitchen, remove upper cabinet doors. Paint the inside a bright color and keep everything organized. Paint can dramatically update an old appliance. Be sure to use a paint made specifically for appliances, because other paints will not adhere correctly. Tired of your tiled backsplash, but cant afford to replace all the tiles? Remove a few with a grout remover and chisel, then replace with decorative tiles that fit your kitchens theme.
The Florentine kitchen bridge faucet is available with eight different handle options so you can customize a look to fit your kitchen design. You can choose from more than 20 finishes, including antique brass and polished copper. The faucet is elegant and reliable. [ILLUSTRATION OMITTED]
Wood still good: Wood-finished cabinets are still the style of choice in kitchens across the United States; they represent about 80 percent of all cabinets purchased, according to a 2002 survey conducted by the National Kitchen and Bath Association. Scripps Howard News ServiceCountertops: Few home remodeling projects are more desirable and offer more bang for your buck than new kitchen countertops. According to a National Kitchen and Bath Association survey, about 94 million linear feet of countertops were installed in homes in 2002. Sixty-two percent of that was used for kitchen remodels. The amount spent on countertops ranks just below cabinets.

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Senior workshops/ One way to help seniors prevent injuries is to couple education with exercise that improves strength and balance. The YMCA is holding a free Fall-Prevention Health Fair 12:30-3:30 p.m. March 11 at the Garden Ranch Center, 2380 Montebello Drive West. The fair will include a series of workshops and assessments by local health experts; topics include key risk factors in the home, discussions on the interaction of medications, and balance physiology. For more information, call 593-9622.
Children dont come with instructions. But parents might long for some when a health problem arises. A free forum designed to make parents health-wiser by providing care tips and strategies is planned 11 a.m.-1 p.m. Jan. 19 at the Pikes Peak East Library, 5550 N. Union Blvd. Lunch will be provided to those who R.S.V.P. by Monday. The forum is hosted by Resources for Young Children and Families Inc. To R.S.V.P. or for more information, call Robin Mitchell at 577-9190.
The things some people will do for a white Christmas.

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The Business Council of NYS has also endorsed it, despite voicing reservations about adding to NYs already high debt load. Half the funding will go to transit projects in the Metropolitan Transportation Authority region and the other half to bridges, roads, airports and other transportation facilities outside NYC.
Within freight transport, railway transport rose substantially, while maritime transport dropped by a fifth. Transport of goods by railway surged by 14.9%, and the growth of road freight transport remained strong at 7%. The rapid expansion of land transport is explained by the robust domestic GDP growth and the high increase in harbour transport (10.6%). Roughly in the middle of 2006, the global growth of maritime transport eased off, which led to several quarterly decreases in the volume of this form of transport, including the first quarter of 2007, when the volume of Slovenian maritime transport fell by 19.9%. Over the past three years, the volume of road freight transport enjoyed the highest growth (by more than 50%) within freight transport (railway transport rose by 13.8%), while harbour and maritime transport rose by over 30%. Road freight transport is the main transport activity within the transport, storage, and communications sector, which has also seen the biggest expansion in the last few years. In 2006, the three main transport activities within the transport, storage, and communications sector were road freight transport, which employed 35.8% of workers in this sector, railway transport (15.2%), and the shipping industry (6.6%; both companies and sole proprietors are included, and the latter are also counted as employees). The corresponding shares of value added generated in these three branches are 23.3%, 12.0%, and 6.3%. Looking at the structure of workers employed in transport activities within the sector in 2003-2006, the highest increase of 3.2 p.p. was recorded in the share of road freight transport, while the shares of railway transport and shipping declined by 1.3 p.p. and 2.2 p.p., respectively (a similar direction and intensity of changes was also observed in the structure of value added; see graph). The number of employees in the transport segment of the transport, storage, and communications sector rose by 2,053 to 39,028. In 2006, road freight transport employed 18,807 workers, 2,425 more than in 2003. The number of workers in the forwarding industry fell by 950 to 3,445, while the number of railway workers declined by 326 to 7,985. The decline in the volume of the forwarding industry was largely caused by Slovenias entry to the EU. Data regarding both the volume of transport and the size of the activity are unfavourable in terms of sustainable development, since cargo is still largely being moved from railways to roads, rather than the other way around.

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The new lighting Concepts catalog from Outwater offers information on the companys complete lighting product line, including: low-voltage Halogen lighting; fiber optic lighting; track lighting; recessed lighting; shelf and under-cabinet lighting; picture/ portrait lighting; cover moulding lighting; task lighting; canister lighting; swivel lighting; adjustable spotlights; down lights; linear lighting; adjustable Halogen lighting; ambient lighting; curio lights; fluorescent lighting; strip lighting; cable lighting; display and exhibit lighting; rope lighting and lamps; plus transformers, fans and related lighting accessories. For a free catalog, contact:
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Satisfy your childrens curiosity and teach them well as you explore amazing wilderness. Our Family Trips create a cooperative atmosphere where everyone shares camp chores while honing outdoor skills and learning about ecology. We welcome single parents, grandparents, and aunts and uncles, in addition to two-parent families. Trip deposits are per person. (100) Acadia Park Family Base Camp, Maine. June 16-23. See Centennial section, page 64, for trip description. Leaders: Otto and Vivian Spielbichler. Price: adult $695, child $595; Dep: $100. [01205A] Port Lions Family Lodge Trip, Alaska. June 16-23. See Alaska Arctic Canada, page 68, for trip description. Leaders: Mike MacFadyen and Sharon Vaissiere. Price: adult $1,295, child $1,195; Dep: $200. [01023A]
Relationships with family and friends matter a great deal to children and are also important to long-term emotional and psychological development. The United Kingdom compares poorly in that area with other countries. Most distressingly, we have the lowest proportion reporting that their peers are kind and helpful - less than half say that is the case compared with more than 80 per cent in Switzerland.
The Real Florida: Myakka River Park Family Trip. March 28-April 2. Bring the family on spring break to the land of sunshine, swamps, and surf. From our base camp near the river well explore by canoe, bicycle, and foot. Well search for fossilized shark teeth and visit a bird sanctuary and a marine lab with manatees. Canoe, bike rental, and admission fees not included. Suitable for children six and older. Leaden Marty Joyce. Price: adult $450, child $325; Dep: $50. [99441A] Donner Pass Discovery, Clair Tappaan Lodge, Tahoe Forest, California. April 4-10, The historic Donner Pass, located near the California-Nevada border, provides families with abundant opportunities to explore trails, lakes, and cultural features. We will be staying at the Clubs rustic mountain lodge which offers hot meals, hot showers, and a hot tub. Activities will be suitable for children five and older. Leaders: Jennifer Taddei and Pam Mason. Price: adult $525, child $425; Dep: adult $100, child $50. [99442A] Canyon Country Family Raft Adventure, San Juan River, Glen Canyon Recreation Area, Utah. June 17-20. See the Raft section on page 88 for more details. Five and older. Leader: Margie Tomenko. Price: adult $775, child $665; Dep: $100. [99271A]

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Read more about Chez Boudoir this week in Business.
Competing against the big box retailers is a challenge for Kansas small-town businesses, but state programs can help their owners work toward success. “There are so many challenges that face small mom-and-pop or individual business owners,” said Jeanne Stinson, state coordinator for the Kansas Main Street Program. “Theyre faced with huge competition from the big box stores and most of them, I think, in Kansas have learned to live with that competition. Its not going to go away.” “Promotional activities are one of those four points,” she said. “We also look to the organization itself — their group. Who is doing this work and making sure that its adequately funded, that they have the ability to do their advertising and to make assistance to businesses.”
Rieter Sells Cabling, Twisting and Texturing Machine Business Rieter has sold its business in cabling, twisting and texturing machines to Co-Martin of France retroactive from October 31, 2006. The new owners have many years of experience in the man-made fiber business, and are taking over all activities at the location in Valence, France. Both sides agreed not to disclose the selling price. After careful examination of all possible options, the Board of Directors and Group Management decided to sell subsidiary Rieter Textile Machinery France SAS in Valence with all three business fields to Co-Martin. The Rieter subsidiary in Valence employs 153 persons, and achieved a turnover of approximately 50 million euro in 2005.

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The Journal staff Waukesha Shawn Sanders dropped out of school in the ninth grade to help her mother raise younger siblings. The fourth of 12 children, Sanders says she thought she knew it all when it came to parenting. She found out differently after attending the Families Learning Together program at Waukesha County Technical College. The program celebrated its one-year anniversary earlier this week, as Sanders and her 3-year- old daughter, Kayla Heartz, joined other moms and kids in a celebration at WCTCs Waukesha campus, 327 E. Broadway.
A few moments ago Christine Weglinski, our Production Manager, walked into my office with a heaping dish of “Death By Chocolate,” her famous million-calories-per-serving dessert.The recipe requires one package of chocolate cake mix, two large packages of instant chocolate pudding, a large container of non-dairy whipped topping, six toffee candy bars (crushed) and a very large bowl.The appearance in our Teaching K-8 offices of such unexpected snacks is typical of the family-type happenings that go on around here as we create this magazine for you.
BEST HIKE WITH KIDS Weve said it before, but well say it again. This hike has everything - mountain vistas, meadows painted with wildflowers, a rock canopy that will forever be called “the cave,” marshes, aspen groves, funny-shaped rocks, and a shallow stream that screams, “Step into me! I dare you!” Theres so much here that it might take your family a while to go the two miles, but its always worth the time. To get there: Take U.S. Highway 24 west to Divide; turn left on Colorado Highway 67; go about five miles and watch for Crags Campground sign. Turn left and follow dirt road to trailhead parking.

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DR. MARK LOPEZ has been named associate director of the Pew Hispanic Center. Previously, he was research director of the Center for Information and Research on Civic Learning and Engagement at the University of Maryland, College Park. He earned a bachelors from the University of California, Berkeley, and a masters and doctorate from Princeton University.
This is the can-do/well-show-you-how civic research organization of our dreams. Its three initiatives (Wanted: Solutions for America; the Pew Civic Entrepreneur Initiative [PCEI]; and the Civic Change Project) document and disseminate cutting-edge community solutions. Pew deals in real, field-tested “best practices,” bridging the gap between theory and the real world. Periodic action-research updates are available free. “Civic processes or inventions that will actually change the outcome in a community.” What more is there?
In 1995 the Pew Health Profession Commission reported on conclusions of the Task force on Health Care Workforce Regulation. In Reforming Health Care Workforce Regulation. Policy Considerations for the 21st Century ten broad recommendations were presented for improving workforce regulation in the publics interest. The American Nurses Association (ANA) examined the 1998 Pew report and responded to the recommendations presented. Although ANA agreed with many of the issues presented by Pew, there was a major concern. This ANA concern was summarized by, “.the regulatory scheme proposed by Pew would result in more duplication and multiple layers of regulation that would simply create an even more confusing health care environment.” Surely legislators in various government structures will utilize the Pew Report and ANA response for decisions on new laws and regulations on how, when and where professional health care workers function. Nurses need to recognize how these potential changes will affect their professional practice and be prepared to address these changes. The reports may not be as exciting as a mystery book, however, they are more exciting when nurses realize how their practice will be affected if these changes take place. Both reports are essential reading for all nurses. The full citation for this publication is: Strengthening Consumer Protection: Priorities for Health Care Workforce Regulation. (October 1998) Taskforce on Health Care Workforce Regulation. Pew Health Professions Commission, San Francisco, University of California Report on the 1998 Pew Health Professions Commission

Pews

JAMES D. DOLAN Mr. Dolan, 73, died July 31, 2000, in Colorado Springs. He was an electrical engineer. He was an Electricians Mate Second Class in the Navy during World War II. Mr. Dolan was born Jan. 29, 1927, in Denver. He was married Aug. 27, 1949, to Edith Kelly. He is survived by his wife; six sons, Daniel Patrick, Timothy Michael, Kevin James, Matthew Joseph, John Philip, and the Rev. Patrick; a daughter, Kathleen M. Leslie; and 10 grandchildren.
SARASOTA, Fla. DENVER — Clockwork Home Services, Inc. (Clockwork), one of North Americas fastest growing operators of home services franchises, today announced the promotion of George Donaldson to vice president of operations - plumbing and electrical. Mr. Donaldson will be based in Denver, Colorado, and will work with the following company-owned franchises: Benjamin Franklin Plumbing[R] in Denver, Indianapolis and Nashville; Mister Sparky Americas On-Time Electrician[R] in Atlanta and Denver; and One Hour Heating Air Conditioning[R] in Denver and Nashville. In his capacity as Vice President of Operations, Mr. Donaldson will also serve as the general manager of Candlelight Service Company in Denver, a Clockwork-owned company. Candlelight was acquired by Clockwork in September 2007 and operates under the Benjamin Franklin Plumbing, One Hour Air Heating Conditioning and Mister Sparky franchise brands. Prior to his new promotion, Mr. Donaldson worked at Candlelight for the last nine years and, under his leadership, helped the company realize double-digit annual sales growth. We are excited to welcome George to Clockworks team and, given his impressive accomplishments in the home services business, we know hell make significant contributions to Clockworks future growth and to our customers, said Jim Abrams, CEO, Clockwork Home Services, Inc.
GREELEY — Services will be at 10 a.m. Tuesday at St. Johns Catholic Church here for Jai Lickteig, 28, Greeley, who died Friday, March 5, 1999, at the home of a relative in Garnett. A coroner was notified and investigation is continuing. He was a member of St. Johns Catholic Church in Greeley. Survivors include a son, Ethan Lickteig, at home; a daughter, Ashlynn Lickteig, at home; his stepfather and mother, Lonnie and Diane Pebley, Elizabeth, Colo.; brothers, Brandan Lickteig, Denver, and Bryan Lickteig and Sean Lickteig, both in Greeley; and sisters, Nicole Lickteig, Denver, and Elizabeth Lickteig, Greeley. Burial will be in St. Johns Catholic Cemetery in Greeley. A wake service will be held at 7 p.m. today at the church. Farris-Feuerborn Memorial Chapel, a funeral home in Garnett, is in charge of arrangements.

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Company Shares Top Findings from Bridal Photography Survey Along With New Wedding Inspiration Center and Photo Book Design REDWOOD CITY, Calif. — Shutterfly, Inc. (NASDAQ:SFLY), the leading Internet-based social expression and personal publishing service, today announced the results of a nationwide survey to help brides of all ages capture, share and preserve the memories of their wedding day. Not surprisingly, 84 percent of brides-to-be plan to hire a professional photographer for their wedding, according to a survey conducted for Shutterfly by MH, Inc. According to the survey, selecting the right photographer was one of the most stressful parts of the wedding planning. Some of the least stressful decisions? Choosing the date, the cake and first dance song. Our customers tell us that choosing a trusted wedding photographer can be difficult, so we have devoted a section of our newly launched Wedding Inspiration Center specifically to help guide brides through this decision process, said Kathryn Olson, chief marketing officer of Shutterfly.
Wedding photography has become an increasingly specialized and lucrative field yet it is surprising how few wedding “how-to” books are on the market and fewer that discuss the many facets of wedding photography in any detail. Pro Techniques is a complete course in wedding photography, a real “how-to” book packed with proven facts to launch you into another career or help you become a more successful wedding photographer. Unlike other branches of photography, theres no repeat performance, no chance for a reshoot. With this book you can gain the skills to meet that challenge.

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A list of mortgages filed with the Oklahoma County Clerks office is published daily in The Journal Record. Information listed for each mortgage includes book and page numbers, names of the mortgagor and mortgagee, mortgage loan amount, property description, and (when available) the propertys street address. Listings of mortgagor and mortgagee do not necessarily include all those party to the transaction. B 7664 P 1455 — Peter J. Strauss to American Capital Mortgage Co Inc, $54,959, L6 B1 Southern Hills Addn, Edm; 216 SE 29th Street, Edmond OK 73013.
A list of mortgages filed with the Oklahoma County Clerks office is published daily in The Journal Record. Information listed for each mortgage includes book and page numbers, names of the mortgagor and mortgagee, mortgage loan amount, property description, and (when available) the propertys street address. Listings of mortgagor and mortgagee do not necessarily include all those party to the transaction. B 7369 P 720 — Sheryl A. Gravlin to Corinthian Mortgage Corp, $52,965, L16 B16 Meadow Cliff Sec II Addn, OKC; 2608 SW 77th Street, Oklahoma City OK 73159.

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Chains Expand RTA Furniture Skus; Add Bedroom Sets New lines of bedroom furniture aimed at te discount market and the continued growing acceptance of ready-to-assemble (RTA) furniture among consumers has created a category that buyers say all but sells itself. Even more important to discount store buyers, the RTA consumer is evidently willing to trade up to higher prices as long as the product exhibits upgraded style and quality.
The wood bedroom furniture antidumping petition, which began as a legal battle pitting U.S. manufacturers against Chinese manufacturers, quickly escalated into a multi-fronted war that also encompasses heated opposition by a group of U.S. furniture retailers and Furniture Brands International. Representing the Committee for Legal Trade is Doug Bassett, vice president of sales for Vaughan-Bassett Furniture Co. of Galax, VA. Responding to questions on behalf of the Furniture Retailers of America is Michael Veitenheimer, vice president, secretary and general counsel for The Bombay Co. of Ft. Worth, TX. The DOC. found that all seven are in fact guilty of illegal dumping. No amount of spinning by the PR firms and lawyers representing the other side can change that central fact.

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SMALLBUSINESSAMNESTY The small business amnesty, as announced by the Minister of Finance in the 2006 Budget Speech, runs from 1 August 2006 to 31 May 2007. Details of the amnesty are available on SAICAs Tax Page. SAICAs National Tax Committee has identified small business tax as a strategic research area and established a task team to review and make recommendations on the current tax policy regarding small business and the tax compliance burden facing small business.
SAICAs Tax Page SAICAs Tax Page on the SAICA website, which is accessed from the SAICA home page, via “Resources”, provides a wealth of information for members. The page is updated on almost a daily basis and includes items that are new on the SARS webpage, notes from SAICA/SARS meetings, responses from SARS to queries raised by SAICA and other useful items. We welcome your feedback on the Tax Page and especially your suggestions of items that you would like to see.
ENVIRONMENTAL TAXES

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- Its your business Real estate - Prudential Greater Topeka Realtors sent agents Debbie Davis, Rich Bassett, Bassett, Brad Bassett, Wayne Hunter, Stan Zimmerman and Brenda Zimmerman to Prudential Real Estates 2001 sales convention in Las Vegas in March. - Rick Nesbitt has joined the sales staff of Prudential Greater Topeka Realtors. He specializes in residential sales.
Real estate Kevin Swift, Re/Max Realtor, received the 2001 Growth and Achievement Award from Re/Max Associates of Topeka. Swift received the award for his outstanding increase in business in 2001. He also received the 100 Percent Club award from Re/Max International, given to a select group of high-producing Re/Max sales associates.

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Del Carter and J.A. Cordts have formed the Carter-Cordts Real Estate Agency with offices in Topeka and Overbrook. Their emphasis will be small town and rural areas of the Osage, Douglas, Franklin and southern Shawnee counties. The agency will also serve the Topeka and Lawrence markets. Cordts, president of First Security Bank of Overbrook, has recently completed his real estate license requirements. He and his wife, Liz, have two sons.
Dan Miller, David Brian and Sara Hogelin have joined Carter- Cordts Real Estate Agency. Miller will be working in the Topeka area. He attended Kaw Area Technical School, where he received a certificate in horticulture. Miller has owned a landscaping business for seven years. Miller resides in Tecumseh with his wife and two sons. Brian will be working in North Topeka and the smaller communities in northern Shawnee and southern Jackson counties. He has been employed at Cytek Media Systems for the past eight years.

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NEW YORK (AP) — Digging for gold in the growing mounds of tarnished credit and bankruptcies, some credit-card issuers are issuing cards to some of the worst credit risks — sometimes charging hundreds of dollars in fees. “Weve begun to see more and more of these offers, and we suspect this is an area thats going to grow,” said Ruth Susswein, executive director of Bankcard Holders of America in McLean, Va. “But be aware that these offers can be very costly and may be a bad deal, although theyre certainly not going to be pitched that way.” Until recently, people with past credit problems could only get credit cards if they first put up enough money to at least cover their credit limit. The new products arent secured, but holders of the new cards are required to make an up-front payment or pay special fees over time. These fees can sometimes be considerable, and unlike a secured account, they dont earn interest. AmCredit in Sioux Falls, S.D., buys debts that others have given up on for pennies on the dollar. Through a 5,000-card pilot program launched last May, it asks people who have already been through bankruptcy to repay all or a portion of their old debt. In exchange, AmCredit will extend a modest line of new credit, typically 10 percent of what the bankrupt person agrees to pay back. Susswein says the offer isnt a good deal. Anybody who has been through bankruptcy has already had the debts wiped out. “Dont assume debt that is already not yours to pay,” she said. Martin Burke, vice chairman of Service One, which markets and services the AmCredit program, said the AmCredit cards offer “an opportunity for people to take advantage of one of their old obligations to re-establish themselves as credible.” Some creditors dont want to lend money to people who have only had secured cards, because they dont demonstrate that someone can actually pay back a loan, Burke added. Cardholders do not pay an initial fee, but pay a 6.9 annual percentage rate for the six months and 18.99 percent thereafter. First Premier Bank in Sioux Falls offers loans from $250 to $1,000, for which consumers pay a $49 up-front processing fee, another $89 to join the program, plus an annual fee of $89. Of the total $227 initial cost, $178 can be paid out over time, but that counts against the card holders credit limit. Cardholders pay a 21 percent annual rate. Bill Connor, vice president for new business at First Premier, said some customers do not want a secured credit card because they incorrectly perceive that a merchant accepting the card for payment can tell it is secured, or because they have a hard time raising a security deposit. First Premier, which piloted about 105,000 unsecured cards three months ago, also has several secured products in the marketplace, Connor said. Cross Country Bank in Wilmington, Del., which recently bought Ocean Independent Banks credit-card business, offers unsecured credit between $350 and $2,500. Consumers pay $100 up front, $50 a year, and APR of 20.99 percent, Susswein said. Susswein thinks a secured credit card is a better deal for people with spotty credit. Although the deposits for secured cards typically earn minimal interest — under 3 percent — that is still better than giving the money away in the form of fees, she said. “I agree with (that) conclusion,” Connor admitted, “but the client is the person who makes the decision here.”
The average American household with at least one credit card carried a credit card balance of $7,564 in 1999. In 1990 the typical American household with at least one credit card had a credit card balance of $2,985. Seventy eight million of the 105 million households in the United States had at least one credit card last year. The 1999 average annual percentage rate on all bank credit cards was 17.11 percent. Americans charged more than $1 trillion on their VISA, MasterCard, Discover and American Express cards during 1999. There were 506 million VISA, MasterCard, Discover and American Express cards in circulation in the United States last year. There were another 800 million debit and credit cards in circulation.

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Real Estate Investment Trusts (REITs) are essentially closed-end real estate funds. They invest in commercial, office and/or residential properties. REITs typically generate high income (10%-to-15%) and some provide even higher returns. Because of their high yields, REITs are currently very popular. Lately, some REITs have been yielding over 10%. Here are some examples of REITs: Your stock broker should be able to provide more information. Money Digest publishes articles on REITs, income and royalty trusts on a regular basis.
At the first meeting of the NAIOP Chapter for New York City, Westchester and Fairfield Counties in 1997, a packed house at the Greenwich Hyatt Hotel on January 23rd heard three experts in the field of capital investment in real estate discuss “Attracting Capital for Real Estate Investing.”Scott, whose company currently has $700 million in office, industrial and retail properties under management, said that the Real Estate Investment Trust (REIT) is one of the most popular vehicles for portfolio managers to invest in real estate.One of the major reasons Scott cited for the popularity of the REIT is its high yield and liquidity. The investment is not in a single piece of property, but in the diversified holdings of the REIT. It also allows the investor to exit quickly by selling the stock.
Awakened from their slumber, real estate investments are flourishing in a low interest rate, low inflation climate Ive written several articles recommending REITs (Real Estate Investment Trusts) over the past two years, and have decided to write some general thoughts on where real estate securities may be headed. At the time, REITs were yielding as high as 14%, which made no sense in relation to the yields on other conservative income vehicles. REITs have returned about 60% overall in the past two years.

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Its over, baby A Friday workshop can give you the tools to say goodbye. “Breaking Free: How to End a Bad Relationship,” will offer information on relationship danger signs, finding help for you and your children, and preparing to walk away. It includes presentations by author James H. Johnson of Pueblo, a victim of child abuse, and state mental health worker Ellen McCoy, a behavior health and domestic violence counselor in Caon City. The free workshop is 7-9 p.m. at the Barnes Noble Community Room, 795 Citadel Drive East. Call 573-6947 or (719) 275-6752.
Relationship Rights (and Wrongs) 10936 N. Port Washington #269, Mequon, WI 53092

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> Its always important to wear cool nightwear around the house: you never know when that foxy man is going to turn up on your doorstep. However, someone should tell Heather Graham that this only applies indoors. She turned up at an Entertainment Weekly party dressed as a spooky baby doll, not only looking daft next to anyone wearing normal clothes, but also next to the medieval gypsy women on her nightie.
It was a swan she turned into, deary, not an ostrich.

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The NIH panel stated that there is clear clinical evidence that acupuncture provides relief from the nausea associated with chemotherapy, anesthesia or pregnancy, as well as post-operative dental pain. There are other situations in which research on acupunctures effectiveness is less convincing, yet still promising:
While acupuncture has been a successful Chinese medical treatment for over 5000 years it was not well known to the general U.S. public until the early 1970s when President Nixon reopened relationships with China. Acupuncture was first met with skepticism both by the U.S. public at large and the conventional American Medical Association. Slowly Americans and other western countries began to conduct studies sometimes in conjunction with the Chinese about the efficacy of acupuncture. Certain types of acupuncture particularly for pain management and drug related addictions were easily translated into western medical theory and could be easily learned and used by western doctors. Thus the idea of using some acupuncture gained mainstream acceptance. As this acceptance grew so did the use of acupuncture and Chinese medical theories and methods at least amongst the numbers of people open to “alternative” medicine. By the 1990s despite initial scientific skepticism acupuncture became one of the most accepted “alternative” medicines in the United States used to varying degrees by AMA physicians and licensed Chinese doctors and accepted on some levels by health and government institutions.
Acupuncture is considered a form of treatment or therapy. However, acupuncture practitioners believe that acupuncture may be most successful when it is applied as an early intervention for symptoms or conditions. It may be that acupuncture can prevent some symptoms and conditions from becoming worse or chronic. To date, two studies have shown a positive effect in preventing breech births among pregnant women. More research is needed to define the preventive value of acupuncture.

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At this time, resellers have a minimum number of cartridges in stock, and customers may experience a delay in receiving their 5Si printer toner cartridges (C3909A). HP wants to assure customers that it will continue to identify ways to alleviate the shortage and minimize the impact to customers. -0- CUSTOMER SOLUTIONS– Customers who are unable to purchase cartridges through their resellers may call HP directly at (800) 538-8787 from 6:00 a.m. to 5:30 p.m. PST, Monday through Friday. Customers may use major credit cards to order up to two cartridges for next-day delivery.– HP is streamlining the shipping process from its supplier to expedite delivery of new cartridges.
The new toner cartridge has been engineered to produce as many as 8,800 pages per cartridge — approximately 2,000 more pages than the 98A toner cartridge. This offers a significant cost-per-page advantage for customers. HP estimates, that, in addition to reducing shipping and inventory costs for businesses purchasing toner cartridges, a third fewer empty cartridges will be generated with the 98X, lowering administrative costs and providing an environmental benefit. Each 98X toner cartridge, like all HP cartridges, will be shipped with a prepaid UPS shipping label so that the user can send the empty cartridge back to HP for recycling. HP recycles up to 95 percent of each toner cartridge it receives and has recycled more than 12 million cartridges since 1990. “Were proud to make these announcements, the result of which, we believe, will lower the cost of printing to provide savings that will go directly to a users bottom line,” said Doug Johnson, marketing manager for HPs LaserJet Supplies Operation. “The maximum-capacity cartridge complements our strong family of toner cartridges by offering users the high-volume printing and superior print quality necessary in todays workplace.”
One option is remanufactured toner cartridges, which contain one or more recycled parts. Remanufactured cartridges typically cost about 30 percent less than those with allnew components, and are environmentally friendly as well, according to Karvel. Another option is high-yield toner cartridges, which can reduce equipment operating costs up to 70 percent. “High-yield cartridges are more expensive than standard-yield cartridges, but since they dont have to be replaced as often, theyre significantly more cost-effective,” he said. For a limited time, Information Alternatives, which sells more than 2,500 new and remanufactured toner cartridge products, is offering valuable reference guides to first-time customers who make minimum purchases. Those who spend at least $500 receive a free copy of The Matchbook, a 175-page reference to 50,000 supplies for commonly used office machines. Customers who make an initial purchase of at least $2,000 also receive The Laser Printer Problem Solver, a do-it-yourself troubleshooting guide for users and support personnel to keep those machines operating efficiently.

Toner Cartridges