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The program is targeted to homeowner occupants who live in the City of Milwaukee in an area bounded by the Menomonee Valley, West Layton Avenue, Lake Michigan and South 51st Street. Call (414) 643-7913.
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)

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E-commerce today is enjoying the fastest growth rate of any business sector because, among other things, it is fast, convenient and cost-effective! Consider just a couple of examples I heard a consultant from Arthur D. Little present recently on CNBC: 1) A typical banking transaction, which costs one dollar, will only cost one cent when conducted over the Internet! 2) A typical brokers transaction, which costs $150, will only cost $6 when conducted over the Internet! Do you wonder why e-commerce, which is a direct result of Internet marketing, is experiencing explosive growth?
Business Editors The Internet Marketing Edge launches its 10 step method to successfully selling on-line. This book will give you the “edge” on Internet marketing guaranteed or your money back.
EXECUTIVE SUMMARY: The Internet presents both opportunities and challenges for marketers of healthcare products. An advocate for the medium argues for its increasing value in a comprehensive media mix, offers advice on how to make programs more productive, and cautions on Internet pitfalls. A similar, dramatic increase is occurring in Internet advertising. For all industries, including pharmaceuticals, total 1997 online revenues reached $1 billion. The Internet Advertising Bureau projects this figure rising to $2 billion in 1998, $5 billion in the year 2000, and $9 billion by 2002.

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Research into mindfulness training-that is, the practice of focusing on the reality of the present moment, accepting and opening to it, without becoming engaged in elaborative thoughts or emotional reactions to situations (Kabat-Zinn, 1990)-has greatly expanded over the past several years. Mindfulness meditation interventions have now been shown to be efficacious in assisting individuals to cope more effectively with illness and stress in a variety of nonclinical (e.g., Shapiro, Schwartz, Bonner, 1998) and clinical populations (depression, Teasdale et al., 2000; cancer, Speca, Carlson, Goodey, Angen, 2000; psoriasis, Kabat-Zinn et al., 1998). More recently, interest has grown in studying mindfulness within the context of couples relationships (Christensen, Sevier, Simpson, Gattis, 2004; Fruzzetti Iverson, 2004; Rathus, Cavuoto, Passarelli, 2006). We recently published a report on the first known test of a mindfulness program provided to couples (Carson et al., 2004). This program was specifically designed to enrich the relationships of relatively happy, nondistressed couples. The 8-week intervention was directly modeled after Kabat-Zinns mindfulness program (for a complete description, see Kabat-Zinn, 1990; Kabat-Zinn Santorelli, 1999), but included modifications to meet needs specific to working with nondistressed couples to enhance their relationships. Principal adaptations included (a) greater emphasis on loving-kindness meditations (Carson et al., 2005), with a particular focus on ones partner; (b) incorporation of partner versions of yoga posture exercises, in which partners physically supported and facilitated one another in the performance of therapeutic, often pleasurable postures; (c) mindful touch exercises, with each partner paying close attention to the giving and receiving of a gentle back rub, followed by dyadic discussion of the implications of this for sensual intimacy (i.e., sensate focus, Spence, 1997); (d) a dyadic eye-gazing exercise (adapted from Levine Levine, 1995), with partners acknowledging and welcoming the deep-down goodness in one another; (e) application of mindfulness to relationship difficulties; and (f) the context for practicing various mindfulness skills, both insession and at home, was tailored to bring couples relationships into focus (e.g., partners were encouraged to be more aware during shared pleasant activities, unpleasant activities, and stressful interactions, and to discuss and keep daily records about new understandings arising from such interactions). In addition, group discussion and didactic components provided opportunities to consider the impact of these exercises on relationship functioning. For a more detailed description, see Carson, Carson, Gil, and Baucom (2006). Results from this randomized, wait-list controlled trial suggested that the intervention was efficacious in favorably impacting the principal outcomes of the trial, that is, couples levels of relationship satisfaction and relationship distress. Several other aspects of couples relationships also improved during the intervention (see Carson et al., 2004).
Practicing for Artistic Success: The Musicians Guide to Self-Improvement, by Burton Kaplan. Perception Development Techniques (P.O. Box 421, Morris, NY 13808), 2004. 105 pp. $23.95. Kaplan has spent nineteen years conducting Practice Marathon Retreats, and many consider him the foremost authority on practice pedagogy. His views center on the musician learning to self-manage his or her practice time. Many musicians currently adhere to certain practice criteria. This may include practicing for a predetermined amount of time per day or utilizing the metronome to improve rhythm. Kaplan takes this idea many steps further. He explores such topics as when to take a break from practicing, how to appropriately divide practice time and how to accurately assess progress. He also includes his own practice strategies to improve memory, intonation and many other performance aspects. All of this leads the musician to the ultimate goal of attaining better results with less effort. Kaplan divides the text into two main sections: the first part lists procedures the musician can follow to self-manage his or her own practicing, while the second section addresses practice techniques to improve various features of the musicians performance. Kaplan covers a tremendous amount of material in a mere 105 pages, making this a manual you will refer to time and time again.

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Ask an expert A Colorado Springs woman who decided to drive to Denver instead of flying the first leg of her trip to Chicago showed up at DIA only to find her entire trip had been canceled by the airline. How did this happen? Local travel agent Tim Lange gets asked questions like this all the time. Hes a member of the Rocky Mountain Chapter of the American Society of Travel Agents, and if he doesnt have an answer, hell find one.
Armchair travelers/ ON THE OUTLAWS TRAIL “Billy the Kids New Mexico,” narrated by filmmaker Joe Micalizzi, is the feature in this months World Horizons travel film series. The film, which explores the legend of the famous outlaw, will be shown at 2 p.m. today and Sunday at the Colorado Springs Fine Arts Center, 30 W. Dale St. Admission is $6 per person. Call 634- 5583 to reserve a seat.

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By Conseco Finance * Features: deferred payments; debt consolidation; no equity program Circle 338 on Postage Free Card
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Where Creativity and Capital Meet Using Untapped Collateral and Nontraditional Payment Terms Three significant requirements are needed for a client to utilize monetization financing: 1) an assignment of/or an absolute and unconditional promise to pay from an investment-grade obligor or an acceptable substitute financial instrument backing the transaction, 2) a predictable cash flow, and 3) a date-certain payment. An investment-grade obligor for this program is typically rated by SP and Moodys with an acceptable rating. There are exceptions and substitutes, however, for these rating criteria. If a company is not rated, there are alternate procedures to qualify said obligor. An obligor is typically a customer or other third party who has contractually agreed to make payments to the client or guarantee payments for the client within a term of 1-30 years. In one sense, monetization financing can be viewed as a longer-term variation of factoring without the high cost and other major differences associated with factoring.

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The fee-based program provides a benefit ranging from $2,500 to $10,000 per occurrence, and provides a personalized approach to working with policyholders who have been the victim of a fraud.
Chubbs approach to managing the risk for affluent insureds In the world of Hollywood science fiction lore, identity theft usually means that aliens have come to our planet and absorbed the minds and memories of unsuspecting earthlings. Weve seen variations on this theme innumerable times. The Federal Bureau of Investigation has called identity theft “the fastest growing crime in America,” estimating that there will be between 900,000 to 1 million new cases of identity theft this year. More than $700 million has been lost in online sales due to fraud in the last two years. By 2006, financial institutions are expected to lose $8 billion through identity theft. The average victim will spend more than 175 hours and up to $25,000 to repair the damage resulting from identity theft.

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Babies, babies, before you can see more than light or darkness, I come to you with news of dead and dying friends.
Baby Mozart and Baby Bach. Within the past several years, researchers have studied babies responses to classical music. These video-CD combinations are engaging, exposing infants to classical music as they view toys and other objects. The images are clear and skillfully presented. In a train sequence, attention is held by the image of a moving train accompanied by the sound of a Mozart concerto for flute and harp. This type of mix works well with infants over 9 months old. Extensions: Listen to the CD selection, which includes a wide range of classical composers, at rest time, meal time, and especially on car trips. Children can participate by keeping time with pot covers, pots, and wooden spoons, or by dancing. Identification and naming of the objects will be a helpful activity in at-home and toddler programs. 30 minutes. CD 8 tracks/14 minutes. Ages 1 up.
Baby by Joseph Monninger Troubled Teens/Animals Front Street, 2007, 173 pp., $16.95 ISBN: 1-59078-502-9 978-1-59078-502-7 Monninger captures the thrill of racing sled dogs and Babys struggle to learn new choices. His smooth plot and non-sentimental prose will pull both males and females effortlessly along the trail. Yet his understated comparisons of animals to humans will leave readers much to ponder after they reach the finish line. A simple story, beautifully told.

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Insurance counselors and their clients can work together to stem the tide of identity theftAny thoughts that identity theft “cant happen to me” should have been wiped out by the results of a survey and report released by the Federal Trade Commission at the end of 2003. Those results indicated that more than 27 million people were victimized by identity theft during the past five years. Of that number almost 10 million were victims in 2002 alone.1. banks alertness to attempts to set up fraudulent credit cards, and
A report published in September indicates that identity theft is the fastest growing white-collar crime in the United States, with financial institutions predicted to lose in excess of $8 million annually within the next three years. In the study, Identity Theft and Its Effect on the Financial Services Industry, Sang Lee, an analyst at Celent Communications, examines the rapidly growing cases of identity theft and stresses that more proactive steps must be taken against it. “While identity theft had existed prior to the advent of the Internet, there is no question that in recent years, criminals have taken advantage of all the readily available confidential information on the Internet,” says Lee. “While identity theft cannot be completely eliminated, there are steps that financial institutions and consumers can take to minimize the chances for identity theft-related crimes.”
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For thousands of years people have kept and cared for domesticated animals often developing strong emotional ties with their pets and regarding them as members of the family. While once important for the services they provided–including rodent control hunting and guarding–pets have become even more popular as companions. Noting that relationships between people seem to be less reliable and more complicated Veterinarian Aaron Katcher described the appeal of pets explaining that animals offer “a much less difficult relationship.” Pets have made an impact on more than just their owners however. Stories of pets heroism hilarious escapades and loyal companionship abound throughout popular media.The dramatic heroism and unbreakable devotion of some animals is reflected in literature. In stories like The Incredible Journey (1961) loyal pets brave the Canadian wilderness to find their families Wilbur wins the heart of a small farming community in Charlottes Web (1952) and in The Odyssey only Argus Odysseus dog recognizes him upon his return.Animal stories have proven to be potent material for Hollywood movies. In 1957 Old Yeller broke the hearts of American movie audiences with the story of a dog who lost his own life in order to save that of a boys. The little dog Benji used cunning intelligence to solve crimes in the 1970s. The 1980s and 1990s saw a virtual explosion of live and animated films starring pets. Hooch slobbered his way through a murder mystery with Tom Hanks in Turner and Hooch (1989). The true story of Balto the Siberian husky who carried the diphtheria serum 650 miles from Nenama to Nome in 1925 became a moving animated film in 1995. And hits such as Beethoven 101 Dalmatians and Babe scored at the box office with stories of animal ingenuity.
Are you thinking about getting a pet? Then read on to see which one might be best for you. Pets can be great! Who else licks your face, chirps happily, or purrs in your lap? A pet can make you feel good and can calm you down when youre upset. And caring for a pet can help you learn about kindness and responsibility.

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Computers and Accounting In manual accounting systems, all entries are handwritten and all records are prepared by hand, although admittedly with the aid of a calculator. Initial transactions such as sales and payables are recorded in specialized journals and then posted manually to the subsidiary journals and/or to the appropriate general ledger accounts. At the end of an accounting cycle, whether monthly, quarterly or annually, worksheets are set up, adjusting entries are made, and financial statements and reports are prepared. In a computerized accounting system, the same basic components must exist. There will be receivables, payables, inventory, payroll and depreciation, all of which must be recorded and properly processed to give the same end product–reliable financial statements and reports. An individual must make the initial entry whether it is handwritten or keyed into a computer. So just what is the difference, and what are the advantages?
COMBINING SURFACE AND SOLIDS MODELING Tycos Tool and Die of Concord, Ontario, has experienced a 15 percent rise in productivity over three months following implementation of a three-dimensional computer-aideddesign package. The automotive mold maker specializes in fascia molds and large exterior body panel molds.
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When the Weather is Frightful Winter is a great time to cuddle up to a space heater and take a seat at the workbench. Its kind of cozylistening to the radio and fixing spray pumps or doing maintenance on planter metering units while the north wind blasts fiercely cold precipitation against the walls of the shop. If insecticides, fungicides or noxious chemicals were used in the pump, wear disposable rubber gloves to protect your skin during repairs.
NEW STORE Technically its not a new store, but its the first Super Target in town and thats good enough for us. (Weve always thought Target was pretty super!) It never took much of an excuse to find our way to a Target store, but now, with all that shopping under one gigantic roof, we could go every day! Our shopping lists have never looked so cool: milk and Michael Graves, spaghetti and Swell, cottage cheese and Cherokee. 3810 Bloomington St. (just off Powers Boulevard).
SHOPPINGConvenience goods are goods that consumers purchase frequently, immediately, and with minimal effort. People do not spend a large amount of time shopping for convenience items. They are usually purchases made routinely, such as buying groceries on a weekly basis, or habitually, such as purchasing a daily newspaper. Convenience products include common staples, such as milk and bread. Some convenience goods, however, are not purchased routinely or habitually. They are bought on impulse, such as an ice cream cone on a summer day. Many impulse items are displayed in a manner that encourages quick choice and purchase, such as the candy, magazines, and batteries that are routinely placed near the cash register at checkout counters. Other convenience products may be purchased as emergency items, when the consumers feel there is an urgent need, such as buying candles, water, or canned goods when preparing for a storm. Convenience products can be found in stores such as supermarkets, convenience stores, and department stores.

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Because weight control is big business, countless numbers of bogus quick weight loss plans are available. Kay Stanfill, a registered dietician at the University of Oklahoma Health Sciences Center, offers some advice on how to determine the truth about weight loss: Does the plan require that you do absolutely nothing? (Lose weight while you sleep, etc.) “Losing weight without any effort is a fantasy that we all share. But if a person is trying to be healthy, he or she will have to learn to change ingrained behaviors–namely eating and exercising habits.” Does the diet radically skew your eating habits, such as the “pineapple diet,” the “cottage cheese diet,” etc.? Diets which restrict a persons choices generally are doomed from the start. If adhered to for a long time, they cant provides sufficient nutrition. Also, “if a person restricts anything from his or her diet–you usually can bet that that will become his or her next |binge food. There is nothing like deprivation to make people crave a particular food.”
All of this begs the question: Which road should we choose when going on a healthy weight-loss plan: man and medicines, or God and natures? Man and medicine often use synthesized and damaging components to force unnatural weight loss. Only recently have we begun to realize that proper diet, consistent exercise, healthy lifestyle, pure water to de-stress, and other simple elements are critical for anyone desiring to lose extra pounds. Man and medicines approach has destroyed lives, organs, and even the spirit of its victims. God and natures approach, on the other hand, is filled with vibrant, live foods rich in vitamins, minerals, enzymes, and thirst-quenching liquids; sunshine; plentiful rest; exercise; and natures medicine chest containing nutritional and herbal elements.
For obese people, maintaining weight loss is often more difficult than the initial weight reduction effort. Typically, only half of all people who successfully lose at least 5 kg will maintain that weight loss for one year, and only about one in 10 will maintain it for five years. At the end of the one-year weight maintenance program, the ad lib, low fat group had maintained 13.2 kg of their initial weight loss of 13.5 kg, and the fixed energy intake group had maintained 9.7 kg of their initial 13.8 kg weight loss. At follow-up, regained weight was greater in the fixed energy intake group than in the ad lib, low fat group. At this time, 65% of the ad lib group and 40% of the fixed energy group had maintained a weight loss of more than 5 kg. These data indicate that an ad lib, low fat, high carbohydrate diet is superior to a fixed energy intake diet in maintaining a substantial weight loss. The mechanism by which the ad lib, low fat diet prevents relapse may be both by reducing energy intake and by increasing energy expenditure, although the effect on appetite seems to be more important.

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Furniture Medic is the largest international on-site furniture repair and restoration company with more than 600 franchise locations worldwide. Its expert technicians can revitalize furniture and wood surfaces, restoring, enhancing, and prolonging their natural beauty. Furniture Medic provides an alternative to high cost of replacement and exchange. [ILLUSTRATION OMITTED]
Hafele America Co. Hafele says its U-Furniture allows for creative and innovative furniture designs. The sliding door fittings are designed in L and U shapes which can be either wall-mounted (L) or freestanding (U). This furniture is fitted with an I aluminum track with no hardware visible. A dampener can also be added to soften the sound of the doors.

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SELF-MANAGEMENT SUPPORT AND THE CHRONIC CARE MODELThe primary aim of the CCM is to enhance health care outcomes by promoting “productive interactions” between “informed activated patients” and a “prepared, proactive clinical team”.2-4 (Figure 1) The framers of the CCM identified six factors or components at the health care organizational level that influence the promotion of productive interactions between patients and clinicians: 1) self-management support; 2) delivery system design; 3) decision support; 4) information systems; 5) overall organization of health care; and 6) community linkages and resources.2-4Self-management support is defined as a patient-centered, collaborative approach to care that promotes patient activation, education and empowerment.4-7 The concept of self-management support makes most sense when one recognizes that patients with a chronic condition, such as diabetes, must manage their illness between health care visits, literally from day to day, if not moment to moment. Patients with diabetes must address a long list of tasks related to medical management including: blood glucose self-monitoring, medication taking, nutrition management, physical activity, managing high and low blood sugars, foot care, eye care and keeping medical appointments.8 In addition to managing these medical tasks, patients with diabetes also need to learn how to carry out their everyday roles and activities (e.g., working, competing, cooking) as well as manage the emotional issues that are associated with having a chronic and potentially disabling illness.8,9
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Lorna V on an unusual approach to relationship counselling based on TVs Sex and the City series When the second series of Sex and the City came to an end recently, some lonely urbanites felt bereft. It was as if four of their best friends had left them. Life went on, of course, but things were not quite the same without the reassuring presence of Carrie, Miranda, Charlotte and Samantha. Woodalls aim is to work on your mind in the way that a fitness trainer would work on your body. Born in Manchester, she started her working life as a bunny girl, went on to run pubs and spent nine years training with leading American relationships expert Chuck Spezzano, author of If It Hurts, It Isnt Love. Now 49 and living in east Sussex, she coaches people in the UK and the US. The idea for Sex-and-the-City relationship days developed when she found that Carrie and her friends kept popping up in discussions during her workshops. “Thats when I started watching the series. But, you know, its men whove been begging me to do relationship workshops. A lot of men are out there trying to figure out women.” She lapses into psycho-babble when she describes why so many people can identify with the shows characters. “We integrate all of them into our personalities, and weve been through all the same phases.”

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BAD HOMBURG, Germany — ALTANA AG (NYSE:AAA)(FWB:ALT): A strong third quarter with double-digit growth rates of 10% in sales and 16% in EBT enabled ALTANA AG (NYSE:AAA)(FWB:ALT) to increase sales in the first nine months of 2004 to around EUR 2.2 billion, an improvement of 9% on the prior years figure (2003: around EUR 2 billion). Adjusted for currency effects, sales volume increased by 12%.
The Korean textile industry is generally suffering from a long business slump and stagnant exports, but a difference in corporate business performance is becoming increasingly greater with some firms increasing their sales by virtue of developing new products meeting needs in the new age. While favorable firms are showing rapid progress, there is an increasing number of companies that are compelled to leave the market, and this is causing a greater difference among industrial sectors and companies. Kolon Sports, which is one of the first to enter this market, has been maintaining sales on the 10-billion-won level every month, and its sales approached 14 billion won in October.
Synthetic Fiber Makers Report Gains for Fiscal First Half Teijin Limited increased its consolidated sales in fiber and textiles by 3% and operating profits by 19%. However, Teijin Fibers, the groups synthetic fiber division, registered operating losses of 500 million yen. Its three polyester fiber subsidiaries in Southeast Asia had operating losses totaling 100 million yen, as the two subsidiaries in Thailand could not cover the losses of TIFICO in Indonesia. Meanwhile, aramid fiber contributed significantly to gains in operating profits. Mitsubishi Rayon Co., Ltd. increased its consolidated fiber and textile sales by 2%, and operating profits doubled. Although its polyester business was sluggish, acrylic fiber business was favorable.

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- Real estate - B.J. McGivern was honored as Valley Inc. Realtors top sales associate for the month of September. For more information about McGivern, call 233-4222 or B.J. McGivern.realtor.com. - Harold Herrick has joined Countrywide Realty Inc. of Topeka, specializing in commercial and residential real estate.
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That, in essence, is the conventional argument on where the private shareholder stands. According to Sir Mark Weinberg, chairman of a committee set up by the Stock Exchange to examine whether the private investor is a dying breed, there is some truth in all this. But his committees report, published last month, predictably got a poor press, with most commentators saying that he had failed to come up with enough specific recommendations to reverse the trend. Sir Marks real offence seems to have been that he failed to criticise strongly enough the Stock Exchanges new rule allowing companies to exclude private investors from most new issues if they so choose. It was this decision which originally prompted the setting up of the committee. In addition, he said it was largely up to the financial services industry, rather than the Government or the Stock Exchange, to come up with ways of tempting more private shareholders back into the fold. Neither conclusion was guaranteed to win any plaudits from a constituency which prefers decisive-looking actions to well-meant words, and which has long marked the Stock Exchange down, not entirely without justice, as an enfeebled and not very effective organisation. Yet, in my view, Sir Mark is largely right on both counts. In fact, I would go further in saying that the outlook for private shareholding is probably brighter now than it has been for some time - partly because of new technology, and partly because of the recent changes in the financial services industry, which have introduced much more effective competition.
Certainly not a remarkable lady called Anne Scheiber, whose exploits in the stock market have just come to light. For those of you who may have missed the story, this is the lady who spent her working life as a tax clerk in the Internal Revenue Service (the American equivalent of our Inland Revenue) and who took up investing only in her fifties. Armed only with her meagre income, and despite being completely untutored in the finer arts of investment, Miss Scheiber was so successful at investing her modest spinsters mite that when she died earlier this year at the age of 101, she had turned her initial savings of $5,000 into a fortune worth no less than $22m. Her dividend income alone came to $750,000 a year by the time of her death, completely dwarfing anything she had earned in her working life. It is a remarkable story from which one can draw several morals. One is the obvious one that so-called experts have no prerogative on wisdom when it comes to investing in the stock market. Common sense and application can take you a long way. In Miss Scheibers case, her success stemmed from following some simple rules - investing in a limited number of well established companies that have a strong business franchise and the ability to generate significant amounts of cash now. Her biggest holdings were in proven cashgenerators such as Coca-Cola and the drugs company Bristol- Meyers Squibb. A second, related, moral is that it pays to be patient. Putting money into smaller, more speculative companies will often generate bigger returns in the short run, but for those willing to take a long-term view, there is nothing to beat buying shares in consistent money-spinners that have the capacity to pay handsome dividends. The returns over time can be just as big, and the risks are much reduced, particularly if you have personal knowledge of the company and what it does.
Full marks to the Consumers Association, which this week came out with some interesting and headline-grabbing research showing how often financial advisers give poor investment advice to those who come looking to them for help in their financial affairs. A survey in the monthly magazine Which? suggests that up to a third of all advisers give bad and unsuitable advice. One of their researchers who was sent out to pose as a redundant man wondering what to do with his pounds 15,000 pay-off was on several occasions urged to put his money into investment bonds or Peps when a risk-free building society or bank account would have better suited his needs. A second researcher, claiming to be a young man looking to save some money to pay for his wedding two to three years away, was offered a variety of unsuitable alternatives, including a personal pension, Tessa savings accounts and even on one occasion, two emerging market investment trusts.

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I HAVE an image of perfect health: a young woman, sparkling white teeth, thick glossy hair, clear skin, thin and muscular. This “picture of health” has been produced and refined by my 10- year diet of the front covers of womens health magazines featuring beautiful young women with their flat stomachs and tanned bodies. It is also possible to be beautiful and unhealthy, of course, but the links between health and beauty are now so intertwined that it is difficult to distinguish between the two. For many of us going to the gym or attempting to drink two litres of water a day, “to be healthy”, is just a cover up for the relentless pursuit of beauty.
CHARLOTTESVILLE Va. — Value America Inc. an online retailer of personal computers and office products, has expanded its prod net portfolio into drug store merchandise by offering full line of health and beauty care items via the Internet. But, even as the online service offers an extra convenience, consumers will wind up paying for it. “Though prices are competitive,” said Paul Petru, merchandise manager for Value America, “they are not the lowest in the industry.” Online customers will pay a $3 shipping and handling charge, as well as a charge of 25 cents per product shipped. Customers are encouraged to purchase more in order get a better deal on the freight charge.
WITH ninety per cent of dieters regaining all or part of their lost weight within five years, there is huge pressure to find new health and beauty regimes that last. And no matter how many times we tell ourselves that no one is perfect we still cant help hoping that one day we will be happy with our bodies. We model our dreams for our bodies on celebrities and people in the public eye but rarely do we hear about their imperfections such as bunions, wonky toes, cellulite or wrinkles.

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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.
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Business/High-Tech Editors Doublespace, the Internet Hotbed, today announced that it has partnered with Online Athletes, Inc. (OLA), headquarters for the serious online gaming community. Doublespace is providing seed funding and the technology that facilitates Online Athletes broad band, multi-player Internet games. Additional Doublespace services to OLA will include: business strategy, brand strategy and marketing/communications.
Business Editors/High-Tech Writers Game Informer, Americas fastest growing consumer magazine, will be launching a new, companion venture, Game Informer Online during the summer of 2003.
[Copyright 2003 PBI Media, LLC. All rights reserved.]

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House cats act so weird sometimes. Ever wonder why? Why do cats always rub up against things? If a cat rubs its body against you or your things, its leaving a message. The cat has glands on different parts of its body. When the cat rubs these areas on something, the glands leave behind little bits of scent. The smells say, “This thing is part of MY world.” Why do cats purr? Purring may be one way cats communicate–with each other and their human friends. Contented cats purr, but so do cats that are sick or injured. Kittens purr when nursing and so does Mama Cat. That lets everyone know that everythings cool. (New kittens feel the purrs vibrations, since they cant hear yet.)
Children allergic to cats are told to avoid felines or suffer the consequences–sneezing, runny eyes, and itching. But does exposing young children to cats influence the chances the children will develop allergies later? Beginning in 1982, researchers in Australia followed 224 children, looking at their exposure to cats at home. For 20 years, the children were regularly tested for cat allergies. Fifty of the children had cats when they were under 18 years old, 14 after age 18, and 70 in both periods. Cleanliness may be next to godliness, but too much cleanliness may result in more allergies.
CATS. Il. by author. ISBN 0-82341253-9. New York: Holiday House, 1996. 30 pp. $15.95. Gail Gibbons has done it again. She has taken a topic that has deep meaning for children and explored it simply and thoroughly. Children will learn a lot about cats special characteristics, as well as how they communicate, their habits and how to care for them. This would be a helpful resource for families making a decision about taking on a cat or kitten as a pet. Ages 7-9.-M.E.S.

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In each group 55% were required to reinstate drug therapy within the average 2.2 years of follow-up. There were no significant differences in blood pressure between the two groups. Richard H Grimm, Jr, et al, The Influence of Oral Potassium Chloride on Blood Pressure in Hypertensive Men on a LowSodium Diet, New England J Medicine 322(9):-569-574 (1 Mar 1990) [Reprints: Richard H Grimm, Jr, MD, PhD, Division of Epidemiology, School of Public Health, University of Minnesota, Stadium Gate 27, 611 Beacon Street SE, Minneapolis MN 55455]
White-coat hyper sion may be the precursor of something serious. So-called “white-coat” hypertension-high blood pressure that occurs only in a health care providers office-may be more worrisome than previously thought, possibly even indicating a precursor to essential hypertension. According to their study, published in the July 3, 2002, issue of the Journal of the American College of Cardiology, the group with white-coat hypertension had greater sympathetic hyperactivity than patients with normal blood pressure. Patients with chronic high blood pressure had even greater sympathetic hyperactivity.
Hypertension, or high blood pressure, is a condition in which the pressure of the blood in the arteries is above normal.

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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.”
Credit Scores and Credit Reports Author: Evan Hendricks Publisher: Privacy Times, Inc. (2005) ISBN 0-9645486-3-1 An example is Hendricks intriguing discussion of missing credit limits on the credit reports of cardholders of Capital One and other companies. Instead of the credit limit being reported, the highest balance ever carried is reported as a de facto “credit limit.” This has the effect of lowering some customers credit scores by making them appear more “maxed out” than they actually are. For example, someone with a $500 credit limit who charges $90 would have an acceptable 18% (90/500) credit utilization ratio. However, if their $500 limit is not reported but, instead their $151 “highest balance” is substituted for it, the credit utilization ratio increases to 60% (90/151), which can cause a persons credit score to plunge. The difference is significant because credit utilization ratios account for 30% of a persons credit score in the Fair Isaac Corporation (FICO) scoring model. Credit Scores and Credit Reports is organized into 23 chapters that are extensively laden with Web links to and quotes from legislation, Congressional debates and testimony, and media reports about credit reports and related topics. Especially interesting are the stories of real people whose lives were disrupted by erroneous credit reports and instances of identity theft. Hendricks draws heavily from testimony provided by victims as well as research conducted by the Federal Reserve Board, the Consumer Federation of America, and other reputable sources.

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Tattoo; an anthropology.
Temporary TattooFor centuries, men and women have added decorative illustrations to their skin for religious or cultural reasons. One common method of decorating skin is tattooing, a process which involves injecting patterns of dye directly into the skin using a needle. Although this technique was originally practiced in ancient Egypt, the term tattoo is actually derived from a Tahitian word that was most likely spread by sailors in the Pacific. Many other cultures have their own unique tattoo techniques. For example, Eskimos use bone needles to draw soot-covered thread through the skin and the Japanese use fine metal needles to deliver colored pigments. Regardless of which technique is used, all tattoo processes deposit colorants below the surface of the skin to create intense, permanent images. While tattooing remains a popular art form today, it is also expensive, time consuming, and may be somewhat painful. For these reasons, permanent tattoos are not necessarily desirable for every individual.

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Ships provide comfortable way to vacation, see worlds most beautiful places More and more people are sailing away on the vacations of their lives every year. Singles, families, couples, honeymooners and groups of friends — nearly five million last year - are making cruise vacations the hottest travel trend as the new millennium approaches. Its the easy and economical way to vacation. A cruise offers the opportunity to meet new friends. A cruise offers flexibility to make your days and nights as lively or leisurely as you like. Travelers can enjoy indoor or outdoor activities, day or night.
Jun. 20-27: 7th diabetes cruise: EBM–expanding the scope of care. Alaska/ Vancouver. (18.75 hrs: P) Sponsor: Baptist Health System of South Florida. Contact Julie Zimmett: 305-273-2398. (See CME Course Information on page 953.) Sep. 7-24: Acupuncture and pain management. China. (10 hrs: E) Sponsor: National Procedures Institute. Contact Rita Homan: 419-472-3791.
Jun. 20-27: 7th diabetes cruise: EBM–expanding the scope of care. Alaska/ Vancouver. (18.75 hrs: P) Sponsor: Baptist Health System of South Florida. Contact Julie Zimmett: 305-273-2398. Sep. 7-24: Acupuncture and pain management. China. (10 hrs: E) Sponsor: National Procedures Institute. Contact Rita Homan: 419-472-3791.

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Babies, babies, before you can see more than light or darkness, I come to you with news of dead and dying friends.
Baby CarrierOther Asian cultures tie a woven cloth around the infant in a complex series of wraps and ties that isolate the childs legs on the mothers sides and allow the baby to move its arms freely against the mother. In cold climates where mothers wear hooded coats or parkas, the hood doubles as a sling that gives the baby room to see around its mothers head or cuddle deep in the hood to nap. Hot climates feature baby carriers of loosely woven airy cloth and even net bags that can be hung from the shoulders or balanced on the head. The cradle boards used by many tribes of Native Americans are ancient forerunners of todays framed back-pack that provides rigid strength to carry the child and cloth wrapping for comfort.
With the Echo Boom bringing smaller families and more grandparents per child, babies have been a high-end cooing, gurgling success in home furnishings and housewares. Fewer kids have meant that each baby represents a high-stakes proposition, outfitted with the better accessories that greater disposable incomes can afford. The impact has been diverse, and vendors ranging from mills to furniture makers have benefited. Vendors have responded with oversized crib pads, more functional dishware and, especially, baby monitors. Now Bebe Sounds is offering a Portable Video and Sound Monitor. The set is completely wireless, offers a 1.8-inch color LCD screen, rechargeable video monitor and even infrared night vision. The suggested retail price is $199.99.

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Ask an expert A Colorado Springs woman who decided to drive to Denver instead of flying the first leg of her trip to Chicago showed up at DIA only to find her entire trip had been canceled by the airline. How did this happen? Local travel agent Tim Lange gets asked questions like this all the time. Hes a member of the Rocky Mountain Chapter of the American Society of Travel Agents, and if he doesnt have an answer, hell find one.
Butterfly expansion The World Travel 101 workshops, sponsored by Hostelling International-American Youth Hostels, will visit Colorado Springs with a session on traveling in Australia and New Zealand. It will cover possible itineraries, transportation options, ways to save money, packing, travel documents and safety. The free event is at 7 p.m. Thursday at the REI store at 13476 E. Woodmen Road. Call the store at 260-1455.
To market, to market If youre headed to Santa Fe or just thinking about it, consider going next weekend for the annual summer Spanish Market, which features New Mexico artists selling their wares to the public. Its Saturday and July 30 and features such ancient forms of art as retablos, santeras and tin work. Call (800) 548-8272 for more.

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Twenty-eight homes in Salt Lake City and South Salt Lake will get some free sprucing up this summer thanks to a youth volunteer group. The national group, World Changers, will be here July 14-21 to do rehabilitation work on 28 homes of low-income, disabled and elderly residents of the two cities. Work could include new roofs, porches, wheelchair ramps or siding, as well as repairs to decks, patios and fences and yard and landscaping work. The work and materials will all be free to the residents.
“As homeowners start the massive job of cleanup, repair fraud artists come out of the woodwork too,” Nixon said. “During the ice storm of 2002 and the floods of 1993 and 1995, we were able to head off potential scam artists by making people aware of the threat they pose. Homeowners, again, need to be cautious and make informed decisions about repairs.” A spokesperson with the National Consumer Law Center echoed this concern and explained that predatory home repair scammers typically target the elderly and lower-income individuals but are not shy about taking advantage of anyone in a vulnerable situation. Consumer protection advocates note that home improvement scammers use several methods of high-pressure sales and instilling fear that can fool even savvy homeowners who drop their guard in emergency situations. Some deceptions include: con-men contractors stating that they happen to be in the neighborhood and noticed the damage, the use of more than one contract as an effort to confuse the client, adding hidden charges to pad the bill, providing expensive financing plans, demanding full payment up front with an excuse that it is to purchase materials, exercising bait and switch tactics between what is promised and delivered and the most common deception of taking a large downpayment then not returning to perform the work.
Repairing A Home-Repair Firm Jacob W. “Jake” Slagle never really considered himself a businessman. After studying sociology at the University of Maryland, he imagined himself more an observer of the human condition. And for years thats what he was: During the day he would mark time at the sluggish home-repair business left to him by his father and uncle, and nights and weekends he would write for community newspapers. Slagle Slagle languished until 1983. Then, Slagle Slagles potential tried to take the company away from him under the guise of investing in the business. “It really scared me,” says Slagle today. “Just the thought of losing the family business was really embarrassing.”

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Contributions were received from the following members and friends from September 2004. Greater PSA Development Fund Everett Barlow and Verle Barlow Pauline Sweezey-Fredrickson, Hon PSA, FPSA (Benefactor gifts for 2004 AND 2005) General Operating Fund Thomas Devine Theron Holden, FPSA Jacob Mosser III, FPSA
BOOKS by NEA Members This book is based on a true story about a girl who makes a teddy bear (at a teddy bear factory in San Francisco) for her father whom she gets to visit only once per year. Her parents are divorced. It also makes a wonderful coloring book! $5 plus $1.43 sh. Order by calling 510/530-2295; fax 510/531– 1340; E-mail alhiker@yahoo.com; or by mail at 4365 39th Ave., Oakland, CA 94619-1612.
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For casual style, soak up inspiration from contemporary colors and flea market finds. Before, this rustic farmhouse had a minimal amount of square footage, relied on well water, and lacked the modern conveniences of central heat and air. But the small house, blessed with a setting amid 15 picturesque acres, possessed great potential. The Barnett family helped the home live up to that potential-transforming what was once a rustic building into a bright, young family home.
On an icy day of-15C my three-year-old son Dow and I found ourselves on the outskirts of Novgorod, Russias old capital, surrounded by rows of tenement blocks rising up from the frozen earth like decaying teeth. We were following our host, Vladimir, towards his home in Tenement Block359, where a family stay had been arranged for us by The Russia Experience. Novgorod is the third largest city in Russia. It is located at the confluence of the Volga and Oka Rivers. There we were greeted by his wife, Tatiana, a tall skinny woman with protruding front teeth, his shy teenage daughter Helena, and Babushka, Vladimirs mother, who picked up my son and bear-hugged him roughly. Dow looked wary but let her carry him over to a large chair where she chatted with him in Russian. “English, mama, English,” Vladimir bellowed from the hallway. The flat was a cosy mish-mash of furniture, books, coloured drapes and scraps of wallpaper. We dined in the kitchen, looking out at the grey skyline of tenement blocks, while Babushka served borscht. Vladimir told us how wealthy his family had been his father had owned Moulins, a club modelled on the Moulin Rouge, but had lost everything in the Revolution.
The Capital-Journal Having a diffcult time coming up with the perfect gift for the kids this holiday season? Why not buy them a house? A purple martin house, that is. Becoming a martin landlord is an entertaining and educational hobby, says James R. Hill III, noted ornithologist and founder of the Purple Martin Conservation Association, who points to scout troops, school groups and other youth organizations who have adopted martin landlording as their projects.

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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.
The things some people will do for a white Christmas.
Health is a measure of quality of life that is difficult to define and measure. In the 1940s, the World Health Organization (WHO) defined health as a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity. At the first International Conference on Health Promotion in Ottawa, Canada (1986), the Ottawa Charter for Health Promotion built on the WHOs concept and further defined health as a resource for everyday life. a positive concept emphasizing social and personal resources, as well as physical capabilities. Good health enables one to function independently within a changing environment.

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The procedure isnt for everyone; for example, its not approved for the extremely nearsighted. But if a patient qualifies for wavefront LASIK, they have a higher likelihood of having better night vision and of getting 20/20 uncorrected vision, says James Salz, M.D., a Los Angeles ophthalmologist and spokesman for the American Academy of Ophthalmology.–K.D.
Business Editors Lasik Vision Corporation (CDNX:LSK.)(”LasikVision”), announced today that it has filed a Statement of Defence and Counter Claim with respect of the allegations set forth in the lawsuit filed on August 18, 2000 by Michael Henderson in the Supreme Court of British Columbia. The Company sees no foundation or merit in this complaint and will defend this lawsuit diligently and aggressively.

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A spokesman for the Garda Press Office said enforcement would not commence until clarification from the Attorney General has been received.
In essence, Napster will offer its so-called all-you-can-eat subscription service to Cingular customers for a monthly fee of $14.95.

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Business Editors LITTLETON, Colo.–(BUSINESS WIRE)–Oct. 2, 2003 EchoStar Communications Corporation (Nasdaq:DISH) announced today that its DISH Network(TM), Americas fastest-growing subscription television service, now offers local TV channels by satellite television to Eugene, Ore. The following local TV channels are now offered: CBS Ch. 13 (KVAL), FOX Ch. 34 (KLSR), NBC Ch. 16 (KMTR), UPN Ch. 36 (KTVC) and PBS Ch. 28 (KEPB).
The TV-programming business in New Jersey is adding another competitor. Bethesda, Md.-based CloseCall America has signed a deal to be a distributor for direct broadcast-satellite operator DIRECTV in 14 states, including New Jersey, Pennsylvania, Delaware and Maryland. A subsidiary of MobilePro, CloseCall is a local telephone-service provider that typically competes with established carriers. Launched in 1999 and acquired by MobilePro in 2004, CloseCall offers an amalgam of telecommunications services including long distance, local, wireless and Internet service to residential and small businesses in the Mid-Atlantic states.
Entertainment Editors/Business Editors LITTLETON, Colo.–(BUSINESS WIRE)–Nov. 6, 2003 EchoStar Communications Corporation (NASDAQ: DISH) announced today that its DISH Network(TM) now offers local TV channels by satellite television to Richmond, Va. The following local TV channels are offered: ABC Ch. 8 (WRIC), CBS Ch. 6 (WTVR), NBC Ch. 12 (WWBT), FOX Ch. 35 (WRLH), UPN Ch. 65 (WUPV) and PBS Ch. 23 (WCVE).

DirecTV vs Dish Network

(ProQuest Information and Learning:. denotes formula omitted.) The first way MCOs game their participating chiropractors is by holding them to either an arbitrary maximum number of treatments or a maximum number of treatments that comes from internal proprietary data. We have all heard from some colleague who has been reprimanded, put in a more restrictive provider tier or even removed from a panel because his or her average number of visits is higher than the MCOs average. I heard this from a colleague who only had five patients, with an average of nine visits per patient. I started thinking about this from a statistical standpoint. For example, if an MCO says it finds that its doctors have an average of six visits per patient, then would having an average of nine visits be out of line? If the way one compares the doctors average to the MCOs average is to say, “nine is larger than six,” the answer is clearly that the doctors average is larger than the MCOs. However, this is not proper statistically because the doctors average is for a sample, and that is being compared to the MCOs population. Sample data cannot be directly compared with population data.
Donald Quacks Up (Disney Interactive: Leslie Oren, 818/553-3923)

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Some 30 to 40 Nigerian banks are not looking forward to New Years Eve. They face the chop when a new minimum equity law comes into effect. Jato Thompson explains. Nigerian banks, faced with the December 31, 1998 deadline by which they have to recapitalise and bring their equity base up to a N500m minimum, are finding themselves in a losing race with time. Banks had been given a 24-month period in which to reorganise their equity base but, with only seven months to go, a number are struggling. The same authorities, in what was widely regarded as a landmark move, liquidated 26 banks in one fell swoop late last year. and indications are that the December 31 deadline will see more banks fall by the wayside. Less than 30 of the remaining 82 banks in the country have so far been able to bring their paid-up capitals to the specified minimum of N500m. The remaining 52 (a clear 63% of what remains of the Nigerian banking industry), have not. They are experiencing varying difficulties, ranging from inability of existing shareholders to make up the amount by way of rights issues, to the lack of buyers for the shares now out on public offer.
YOU HAVENT SEEN A BANK TELLER SINCE YOU GOT YOUR FIRST ATM CARD? Now VIRTUAL BANKS ARE ELIMINATING REASON AFTER REASON FOR US TO GO TO PHYSICAL BANKS AT ALL. DO YOU DO BANKING BUSINESS WITH A BRICK-AND-MORTAR BANK? IF SO, ASK YOURSELF THESE QUESTIONS: * HOW MUCH TIME DO YOU SPEND WAITING IN LINE TO MAKE A DEPOSIT WITH A TELLER WHO TREATS YOU LIKE SOME SUSPICIOUS CHARACTER? * HOW OFTEN DO YOU FIND YOURSELF EDUCATING YOUR NEWEST LOAN OFFICER ON THE SAME BUSINESS INFORMATION WHEN YOU GO IN TO REVIEW YOUR LINE OF CREDIT OR ACCOUNTS-RECEIVABLE FINANCING?
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Everyday Banking in America

Butterfly expansion The World Travel 101 workshops, sponsored by Hostelling International-American Youth Hostels, will visit Colorado Springs with a session on traveling in Australia and New Zealand. It will cover possible itineraries, transportation options, ways to save money, packing, travel documents and safety. The free event is at 7 p.m. Thursday at the REI store at 13476 E. Woodmen Road. Call the store at 260-1455.
The joys of flying on your birthday have been much discussed in this column: cakes, champagne and even upgrades can be laid on for the celebrant. But Kate Thorman of Oxford found that becoming 12 provided her with a Catch-22 problem. “So, on the one hand Kate is old enough to pay the adult fare, but on the other hand she is too young to travel without a paid escort,” says her exasperated father. At this point, Mr Thorman gave up and booked with another airline; then poor Kate found her birthday flight delayed by four hours at Birmingham airport. “Come back, Gorbachev, all is forgiven,” pleads Philip Robinson of Sheffield. “The last time I visited my friend in Minsk, this city was in the USSR. I flew to Moscow, took a train to Minsk, and all was well.”

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Warric Furniture Corp. of Lexington, N.C., has purchased the assets of Woodlee Furniture Corp., of Clifton, N.J. The company also announced it is closing its New Jersey plant and building a 55,000 square foot plant in Lexington. Warric will continue to market the Woodlee Collection and Woodlees imported furniture and accessory lines.
BARIATRIC FURNITURE
[ILLUSTRATION OMITTED]

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Conscientious people realize when something good comes their way, the credit for it must be spread around. They also know when something bad happens to them, ripples go out through many other lives. Thats why conscientious people wear motorcycle helmets and dont take chances. Government and private watchdog groups say one big problem is that the “motorcycle culture” is slowly evolving. Riders tend to be older now, less athletic and less aware than perhaps theyd like to think. Riders spend more time on unimproved roads and — according to arrest records — they drink more. The increase in riders has also made it tough to enroll in training programs. And more motorcycles means automobile drivers will have more situations where motorcycles play a role.
MEMORANDUM FOR ACC DIRECTORS AND NAF/WING COMMANDERS SUBJECT: ACC Motorcycle Safety Policy 1. In the past few years, there has been a significant increase in the number and severity of motorcycle mishaps throughout the Air Force and ACC. Aware of this alarming increase, we emphasized reducing risk to riders to protect our most valuable resource — people. Motorcycle safety policies on training, mentorship, and counseling were formulated and issued. We are now merging our motorcycle safety policies into a single document. 2. The motorcycle safety training policy remains unchanged. Commanders will continue to ensure that all military and civilian motorcycle operators assigned to our installations comply with all DoD and AFI motorcycle training requirements. All military personnel must accomplish DoD-specified motorcycle training before they operate motorcycles on or off base, on or off duty. All DoD civilian personnel must accomplish DoD-specified motorcycle training before they operate motorcycles on base. There is only one exception to this policy: Licensed operators may be granted a 72-hour temporary registration (prior to completing the DoD-specified training) as long as they are scheduled to attend the training class within that 72-hour period. The temporary registration is strictly for the purpose of allowing members to get their motorcycles to the training location on the day of training.
WHEN the first national motorcycle rolled out in Gurun, Kedah, in 1996, it was another important milestone for the local automotive industry after Since then, Modenas or Motosikal Dan Enjin Nasional Sdn Bhds Kriss has

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Baby boom or baby bonus? What, no baby? Why women are losing the freedom to mother, and how they can get it back
Baby Mozart and Baby Bach. Within the past several years, researchers have studied babies responses to classical music. These video-CD combinations are engaging, exposing infants to classical music as they view toys and other objects. The images are clear and skillfully presented. In a train sequence, attention is held by the image of a moving train accompanied by the sound of a Mozart concerto for flute and harp. This type of mix works well with infants over 9 months old. Extensions: Listen to the CD selection, which includes a wide range of classical composers, at rest time, meal time, and especially on car trips. Children can participate by keeping time with pot covers, pots, and wooden spoons, or by dancing. Identification and naming of the objects will be a helpful activity in at-home and toddler programs. 30 minutes. CD 8 tracks/14 minutes. Ages 1 up.

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Department store transforms its training department into a corporate university. When John DiBenedetto came to Wal-Mart from The Limited in 2005, he faced a challenging task: leading the transformation of Wal-Marts domestic training department to a one-stop talent planning and development organization, called WalMart University. The transformation of the learning organization is part of a much larger company initiative.
Synthetic Fiber Makers Report Gains for Fiscal First Half Teijin Limited increased its consolidated sales in fiber and textiles by 3% and operating profits by 19%. However, Teijin Fibers, the groups synthetic fiber division, registered operating losses of 500 million yen. Its three polyester fiber subsidiaries in Southeast Asia had operating losses totaling 100 million yen, as the two subsidiaries in Thailand could not cover the losses of TIFICO in Indonesia. Meanwhile, aramid fiber contributed significantly to gains in operating profits. Mitsubishi Rayon Co., Ltd. increased its consolidated fiber and textile sales by 2%, and operating profits doubled. Although its polyester business was sluggish, acrylic fiber business was favorable.
The Korean textile industry is generally suffering from a long business slump and stagnant exports, but a difference in corporate business performance is becoming increasingly greater with some firms increasing their sales by virtue of developing new products meeting needs in the new age. While favorable firms are showing rapid progress, there is an increasing number of companies that are compelled to leave the market, and this is causing a greater difference among industrial sectors and companies. Kolon Sports, which is one of the first to enter this market, has been maintaining sales on the 10-billion-won level every month, and its sales approached 14 billion won in October.

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NEW YORK–(BUSINESS WIRE)–October 21, 1999– Citigroup Inc. (NYSE:C) and The Student Loan Corporation (NYSE:STU) announced today that Citigroup proposed to acquire by merger the outstanding shares of The Student Loan Corporation not beneficially owned by Citigroup for $45 per share in cash. The transaction would be conditioned on approval by The Student Loan Corporations board of directors and the affirmative vote of at least two-thirds of the shares not beneficially owned by Citigroup. In addition, the transaction would be subject to customary conditions.
Cash Now Corporation (OTC: CHNW), a
pioneer and continuing leader in the payday loan and check-cashing
industry, today announced it has secured relationships with automobile
dealerships and banks to help those who are credit-challenged buy the car
of their dreams.

To make this financing available Cash Now has secured relationships with
several banks and two automobile dealers, one in south Florida and the
other in southern Ontario. The dealers offer a wide range of top automotive
brands. Cars purchased through the program can be shipped anywhere in the
continental U.S. for only $595. Shipping anywhere in Canada is only $995.
Available brands include Acura, Audi, BMW, Cadillac, Chevrolet, Ford,
Honda, Infinity, Jaguar, Lexus, Mazda, Mercedes Benz, Volvo and others.

“The idea is to offer built-in financing at competitive rates,” said
Price. “We work with some of the most aggressive lenders in the car finance
industry. These are people who understand what can happen in life sometimes
and were seeing an approval rate of about 95 percent. This is the answer
for people who need a car but cant get conventional financing — and who
doesnt need a car these days?”

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Centre yesterday to see photographer Elliot Erwitts DogsDogs exhibition, which opens today David Rose
The Dog Bible
Sure, your dog can fetch the paper. But would she save you from a charging buffalo? Read on for a few tales-some true, some maybe tall-of famous canine heroes and villains.In January 1925 the deadly disease diphtheria struck Nome, Alaska. It was very contagious, but the town had no serum to treat it. So it was up to the Siberian Husky Togo and 20 sled dog teams to relay the medicine from another town, 674 miles away. The weather was brutal-several dogs froze-but Togos team traveled 260 miles, carrying the serum on the longest leg of the relay. Thanks to Togo and the other good dogs, the serum reached Nome just in time to save the town.

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In each group 55% were required to reinstate drug therapy within the average 2.2 years of follow-up. There were no significant differences in blood pressure between the two groups. Richard H Grimm, Jr, et al, The Influence of Oral Potassium Chloride on Blood Pressure in Hypertensive Men on a LowSodium Diet, New England J Medicine 322(9):-569-574 (1 Mar 1990) [Reprints: Richard H Grimm, Jr, MD, PhD, Division of Epidemiology, School of Public Health, University of Minnesota, Stadium Gate 27, 611 Beacon Street SE, Minneapolis MN 55455]
Salt Restriction The low-salt, low-fat DASH diet failed to remedy the blunting of the nocturnal decline in blood pressure that has been observed in blacks, Dr. Lawrence J. Appel reported at the annual conference of the American Heart Associations Council for High Blood Pressure Research. Sustained nocturnal blood pressure levels explain in part why blacks carry an excess burden of cardiovascular disease, said Dr. Appel of Johns Hopkins University in Baltimore.

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A review of the marketing literature in both the traditional (offline) and new era (online) environments was undertaken to compare and contrast marketings role in both types of organisation. Insights derived from this review formed the basis for a series of in-depth interviews with leading marketing professionals in Ireland. The paper draws conclusions regarding the overall effect of the Internet on marketing. In particular it notes that, while marketing has evolved into an all-encompassing role in the organisation, the marketer remains the focal actor. The paper looks to a future with two distinct kinds of marketer and highlights the importance of retaining the traditional commitments of marketing practice. The Internet is a significant global medium for communications, content and commerce. It is a powerful tool for building relationships with all of a companys communication targets. It is cheap, immediate and repeatable. With appropriate technology it can be personalised and is measurable. Building one-to-one relationships with customers online provides marketers with the ability to cut through the clutter that is characteristic of traditional marketing activities such as TV/radio and newspaper advertising, PR and outdoor, ambient media.
Business Editors The Internet Marketing Edge launches its 10 step method to successfully selling on-line. This book will give you the “edge” on Internet marketing guaranteed or your money back.
Marketing on the Internet is broken up into six chapters packed full of information from online marketing strategies to online media relations. Although the book does give you a few examples of company stategies it concentrates more on the psychological methods behind marketing on the web. There is even the odd picture in there just to explain the text and make things that little bit easier to understand. Throughout the book the author will mention some websites which can be very beneficial as these can help you understand your site and your company on a more reliable basis.

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Some people go overboard with Christmas decorations. With 32,263 light bulbs, computercontrolled synchronization and a small FM radio transmitter belting out Christmas songs in a one- block radius, the Picketts house is probably the most ostentatious of the many decorated homes in Colorado Springs.
> Sunset Books says that about half of the home improvement titles it sells fall into the home decorating and design category, a number that has doubled since a decade ago. Five of Sunsets 15 best-selling how-to titles specifically address home decor: Decorative Paint Faux Finishes, Ideas for Great Garden Decor, Ideas for Great Home Decorating, Ideas for Great Window Treatments and Curtains, Draperies Shades.
Right touches wrap up holiday home decorating With the frenzy of the holiday season, there is every reason to keep decorating simple. More than one-third (37 percent) of the women responding to the Coming Home survey by Lands End report they spend between six and 15 hours decorating for the holidays. Coming Home and Allana Baroni, author of “Simplify the Holidays,” have developed the following tips to keep holiday decorating simple and fun.

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Coming Clean
Now, more than ever, management in the hospitality industry is experiencing the benefits of outsourcing their cleaning needs. Traditionally, housekeeping has been an internal function with constant turnover and training. From resorts and timeshares to casinos and cruise ships, Jani-King is your cleaning solution. [ILLUSTRATION OMITTED]

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Tired of pounding the pavement looking for a bank loan? For a small fee, maybe you can tap your keyboard instead. Coupling loan package-builder software with a nationwide database of lenders ranging from community banks to large institutions, iBank.com identifies appropriate potential lenders based on pre-qualification criteria such as the loan size and the applicants credit score, location and industry. Applicants then create a single loan package, which is sent electronically to lenders with matching loan criteria. Fees for the service are in addition to the banks application charges and range from $49.95 for loans up to $100,000 to $299.95 for loans of $10 million or more. Many feel the cost is worth the time saved and the increased likelihood of securing a loan, says Markel, who reports that some 60 percent of businesses get turned down because of poor documentation.
BANKS are not the only financial institutions giving out housing loans these days - insurance companies have joined the fray. One such company is the American International Assurance Co Ltd (AIA). Are its loans any different from those of commercial banks? AIA senior

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Business Editors Technology Writers Alliance Offers Merchants Advanced Monitoring and Tracking Capabilities To Enhance Online Traffic and Sales
ATLANTA–(BUSINESS WIRE)–Oct. 7, 1999– Alliance Offers Merchants Advanced Monitoring and Tracking Capabilities To Manage and Measure Success of Online

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The 10-year-old program integrates personal finance, economics, math, social studies, and consumer studies.
These are exciting times for investors-and for those helping them with their investment decisions. With record numbers of people investing in the stock market, financial analysts and personal financial advisors are busy. They are the money masters who provide investment analysis and guidance to businesses and individuals. Both financial analysts and advisors gather information, analyze investments, and make investment recommendations. However, their job duties differ because of the types of services they provide. This article describes the occupations of financial analyst and personal financial advisor, including what these workers do, what their employment outlook is, how much they earn, and how they train to enter these careers.
Who knows what evil lurks in the hearts of men?Under newer and tougher standards, auditors are more involved than ever before in reducing the incidence of financial fraud. Statement on Internal Auditing Standards No. 3 requires the internal auditors to recognize the characteristic warning signs of internal fraud. Certified Fraud Examiners, many of whom have an audit background, are required to resolve allegations of fraud. Statement on Auditing Standards No. 53, promulgated by the Auditing Standards Board of the American Institute of Certified Public Accountants, requires external auditors to be more proactive in searching for fraud. Statement on Auditing Standards No. 54 requires the independent auditor to recognize major illegal acts, and in some instances report them. Legislation pending in the U.S. Congress may mandate even tougher standards.To meet their ever-expanding responsibilities in the area of fraud deterrence, internal auditors must be more “fraud-savvy” than ever before. During the last five years, Ive conducted interviews with McKinley Tabor and a few dozen other offenders. There is a lot we can learn from these financial Frankensteins.

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