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BRITS can save up to HALF on their holiday car hire by steering clear of the big firms and booking online. Internet brokers offer massive discounts on prices quoted by the car hire giants, a Sunday Mirror investigation has revealed. The brokers save cash by buying car rentals in bulk and then passing the savings on to their customers. Our survey compared quotes from eight of the big hire companies with eight online brokers.
As this issue goes to press, the railroad industry will have had almost six months to digest the impact of the ICCs car-hire deprescription rules. Assuming you start counting from the date these rules were first promulgated in 1993, railroads have had sufficient time to react, and we should be seeing the first faint stirrings of how things will be in the future. Our industry sources tell us that while there have been some dramatic overtures by some of the railroads that were deprescriptions greatest proponents, there is a lot that hasnt yet occurred but which will likely shake out in the near future. Like the weekend partygoer who overdid it on Sunday evening and has to face Monday morning eventually, the railroad industry has come to grips with the reality of car-hire deprescription. The attitude seems to be, “Its here and even though we did (or did not) support it, we now have to get on with business in a new environment.” And getting on with business has been what most railroads have been actively involved with since the first of the year. For instance, as of this writing, about 47,000 railcars have been deprescribed and converted into market rate cars by their owners. Generally speaking, these cars have either been voluntarily deprescribed ones that, due to their age, would otherwise have continued to earn a low stated per diem under the old rules (in the face of a shortage of the car type that would allow a higher market rate - about 21,000 cars total), or they have been cars that have been rebuilt and have become market rate cars as a result.

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Construction of a sewage plant in the unincorporated San Luis Obispo County community of Los Osos has been halted following the successful recall of three elected officials who supported the plant. The reconstituted CSD board halted construction and dismissed the agencys general manager, attorney and public information officer. Board members have indicated they would pursue a different type of treatment plant to be built outside of town. Indirectly, the board has picked a fight with state agencies that have been working for years on water quality improvements State regulators have insisted since the 1970s that Los Osos needs a wastewater treatment facility. The town of 14,000 people relies on 6,000 individual septic systems, which regulators blame for polluting the groundwater and Morro Bay estuary. A state-imposed building moratorium has been in place since 1988.
CONSTRUCTIONFor those companies that decide to expand via new construction, the experience can be an unsettling one, full of uncertainties. In fact, relatively few startup businesses choose construction as their mode of entry due to the higher costs associated with it and the greater length of time involved from the breaking ground stage to the day when the establishment opens its doors for business. Small- and mid-sized businesses, however, are far more likely to have the financial wherewithal to launch a new construction project. Such firms have a proven track recordwhich can help them with financingand already-productive operations that bring in revenue that can be used to defray the costs of construction.Owners of these businesses, however, should fully weigh the advantages and disadvantages of construction before moving forward. As the J.K. Lasser Institute indicated in How to Run a Small Business, Building has the advantage of giving you the space and arrangements which meet your needs, providing you know specifically and objectively what the needs are. The obvious disadvantages are the delay in occupancy while land acquisition, design work, and building are going on, and the cost of overruns and mistakes caused by forecasting errors and planning oversights.

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British Telecommunications (BT) has chosen CrossKeys Networks Ltds Resolve Ni software to manage the performance of its telecomms network.
Accord Telecommunications, a provider of network systems for the multimedia conferencing industry, has expanded its European headquarters to new premises in Berks, UK.
Dolphin Telecommunications has launched a GBP7m advertising campaign in the UK to promote its new mobile communications network called ExpressNet.

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Appliance garages have little doors that flip up, open up, or roll up. They fit between base cabinets and wall cabinets, and theyre used to hide a coffeemaker, mixer, and other kitchen clutter. Its a great concept, except the garages usually take away valuable counterspace.Three, 25-inch-wide doors flip up and slide back out of the way on tracks. The tracks are a standard cabinet hardware item.)For extra countertop space and to accommodate a warming oven mounted below, the center portion of the base cabinet and counter is pulled forward an extra 4 inches.
Here is the typical American garage: bicycles leaning against the walls, garden tools ready to trip the unwary, sports equipment piled helter-skelter, woodwork tools mounded in corners, inherited furniture piled to the ceiling, oil stains covering the floor. Then theres Mike Sabos garage, a $10,000 room so handsome its hard to call it a garage. Its better organized and cleaner than most kitchens, and people notice. Sabo is on the leading edge of the latest trend in home improvement — the tofor garage. According to the National Association of Home Builders, garage remodeling is a $2.5 billion-a- year business and is growing quickly.
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Medical coverage for seniors STRONG POINTS: major medical/surgical services, cancer and heart care, rehabilitation services WHAT IS NEEDED: more primary-care physicians in general, geriatricians in particular, and doctors who will accept Medicare patients (problems that also face many U.S. communities) THIS SAYS IT ALL: “If you move aging parents to this community, the No. 1 block is that they dont have a primary-care doctor.” - Max Morton, director of prevention and wellness services for Penrose-St. Francis Health Learning Center.
Thanks to a pharmacological breakthrough, The “polypill” will soon be with us. Combining six different heart medications in one supercharged tablet, its the latest in a line of pharmaceutical attempts to banish heart disease. What a sad indictment of our attitude to health that we could consider such mass medication as a solution for a health epidemic whose causes are clearly apparent and could be virtually eradicated through education and personal responsibility. The Western “cardiovascular crisis” could be consigned to history with a change in attitude and a willingness to implement what we already know. Why wait for the polypill when you can make a real difference to your heart health, starting today. When it comes to preventing a heart attack or stroke, little changes will cumulatively pay big dividends.
School physicals To celebrate National Community Health Centers Week, Community Health is offering a special rate for school and sports physicals. Through Sept. 1, the physicals will cost $25 - or less for those who qualify for further cost reductions. The usual charge is $71. The physicals are offered from 10 a.m.- noon and 3-8 p.m. weekdays at Community Healths Immediate Care Clinic, 2858 International Circle. No appointments are necessary. For information, call 630-6440, Ext. 6363.

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Whitehall Industrial Properties announced the sale of 401 Washington Ave., a 164,850 SF industrial building in Carlstadt, N.J., to GMA Accessories. Weichert Commercial announced the following transactions: * The sale of 2008 Route 37, a 19,000 SF mixed-use building in Toms River, NJ. Rosemarie Caruso, vice president of Weichert, represented both parties in the transaction; * The sale of 1094 Route 9, an 8,400 SF, mixed-use building in Lakewood, NJ. Rosemarie Caruso represented both parties in the transaction;
Prospect Investment Corp. announced the sale of 400 South First Ave., an apartment complex in Highland Park, N.J., to the Kushner Companies for $3.2 million. Alchemy Properties Inc. announced the sale of a 14,392 SF condominium space at 42-48 E. 20th St. in New York City to Danny Meyer. Rothwood Real Estate Services announced the sale of a 23-acre land site in Brooklyn, N.Y. to IKEA. Kenneth S. Roth, president of Rothwood, represented the buyer in the transaction.

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SPX Service Solutions has released its Tools for Trucks Catalog for the heavy-duty repair industry. A new addition to the 200-page catalog is an equipment section with heavy-duty wheel and tire service equipment, lifts, air conditioning diagnostic equipment, fluid handling products and shop furniture.
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Crisp white pillows, freshly laundered sheets, a mammoth double duvet and a pair of cotton pyjamas; a good book and a childhood bear; a cup of cocoa or a glass of milk; a mass of limbs and love and lust, crumpled sheets and sweat-drenched skin. Bed gives you the choice, you see. But after eight years of celebrity shagdom, Mick and Jerry are now just good friends, sharing a home and a family but not a conjugal bed. Perhaps they want it that way - indulging in the thumb-sucking, pyjama-wearing childhood freedom of bedtime denied to them by marriage. Or perhaps, in the chill of the autumnal nights, Mick will get up and creep along miles of red-carpeted corridor. And just maybe he will stop outside Jerrys door, knock gently, and quietly suggest that they forego the wholesome silliness of it all and spend the night together.
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ROY BRIZIO will walk therowsof cars at the annual hot rod show at the Alameda County Fairgrounds in Pleasanton this weekend, and he is 100 percent certain that he will be stopped in his tracks several times. The owner of Roy Brizio Street Rods in South San Francisco is considered by his peers as one of the best hot rod builders in the country. After three decades of rebuilding cars, he still hasnt seen it all. “Basically, we bring the past and the future together,” he said.
FORD are testing an info system to aid parking. Drivers can phone a computer, wired to recognise the cars when they arrive, to tell it to reserve them a space.

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Get a shot in the arm If you cant remember the last time you got a tetanus shot, you might want to celebrate next weeks National Public Health Week with a visit to the El Paso County Department of Health and Environment, 301 S. Union Blvd. The department is offering free tetanus shots to adults next week, April 3-7. A tetanus booster is recommended every five to 10 years for adults.
Medical coverage for seniors STRONG POINTS: major medical/surgical services, cancer and heart care, rehabilitation services WHAT IS NEEDED: more primary-care physicians in general, geriatricians in particular, and doctors who will accept Medicare patients (problems that also face many U.S. communities) THIS SAYS IT ALL: “If you move aging parents to this community, the No. 1 block is that they dont have a primary-care doctor.” - Max Morton, director of prevention and wellness services for Penrose-St. Francis Health Learning Center.

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Word power 24 boob-job n. employment gained as a result of a surgically enhanced chest cosmetic adj. superficial; only attending to the surface
A High-Tech Weapon in the Fight Against Aging Skin Normally this is not a good thing where humans are concerned. In science fiction films the characters vaporized by a laser simply disappear. Patients opting for cosmetic laser surgery, however, suffer a less severe fate: Only their wrinkles and other skin imperfections disappear.
A man sits in the living-room like lobby of the Lovelace Cosmetic and Reconstructive Surgery Center in Albuquerque, leafing through a magazine and listening to piped-in music.A close friend of his, in the same building for the same reason, exits out another door. Neither knew the other was there.Thats how well cosmetic surgeons obey their patients wish for secrecy, says DeeDee Hays, the centers manager.Elective cosmetic surgery for men and women as well as reconstructive breast surgery for women is one of medicines biggest growth industries.

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PHOENIX — Plenty of mystique surrounds the phrase “pitchers and catchers report.” But on a team like the Oakland Athletics, where there arent any superstars making grand entrances or players denying what Jose Canseco wrote about them in his book, the day is mostly about shoes. Showing off new shoes. Trying on new shoes. Complaining the wrong shoes arrived. So it went on an overcast Saturday morning with light rain for the As at their Papago Park facility, where just as many position players have already arrived as pitchers and catchers.

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SAN FRANCISCO (NYT) — After 15 years of languishing in the closets of bikers and Goth kids, skin is back in. Leather, that is — in all of its supple, sensual, painted-on glory. Mainstream stores like Saks, Neimans, Macys and Nordstrom have leather in all price ranges and styles from croc-printed, red patent leather jeans at Macys ($595) to side-zipped, flat-front, boot-cut pants at Saks ($298). The budget-minded can pick up the seasons key piece of leather for less than $200 at Express, the Gap, Old Navy and Banana Republic. The quality will not be the same, but for a trendy piece, many fashionoids dont care. They just want the look.
SEWN AND PASTED CLOTH OR LEATHER BOOK-BINDING FOR BOOK ARTISTS REQUIRING NO SPECIAL TOOLS OR EQUIPMENT Keith A. Smith and Fred A. Jordan. 1998; 424 PP. $35 (bound or unbound); $60 (set of both). Keith Smith Books. Non-Adhesive Binding shows how to make books by folding and sewing paper rather than gluing it. Its thirty-two binding techniques range from simple pamphlets to the piano-hinged collapsible star. (If youre hungry for more, the second and third volumes in the Non-Adhesive Binding series are encyclopedias of specialized projects; see access below.) Book Binding for Book Artists adds glue and paste to the equation and shows how to make elegant, hardbound books with leather and cloth covers.
The concept of latent demand is rather subtle. The term latent typically refers to something that is dormant, not observable, or not yet realized. Demand is the notion of an economic quantity that a target population or market requires under different assumptions of price, quality, and distribution, among other factors. Latent demand, therefore, is commonly defined by economists as the industry earnings of a market when that market becomes accessible and attractive to serve by competing firms. It is a measure, therefore, of potential industry earnings (P.I.E.) or total revenues (not profit) if Greater China is served in an efficient manner. It is typically expressed as the total revenues potentially extracted by firms. The market is defined at a given level in the value chain. There can be latent demand at the retail level, at the wholesale level, the manufacturing level, and the raw materials level (the P.I.E. of higher levels of the value chain being always smaller than the P.I.E. of levels at lower levels of the same value chain, assuming all levels maintain minimum profitability). The latent demand for mens and boys leather and sheep-lined clothing in Greater China is not actual or historic sales. Nor is latent demand future sales. In fact, latent demand can be either lower or higher than actual sales if a market is inefficient (i.e., not representative of relatively competitive levels). Inefficiencies arise from a number of factors, including the lack of international openness, cultural barriers to consumption, regulations, and cartel-like behavior on the part of firms. In general, however, latent demand is typically larger than actual sales in a market.

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Marlon Brando exemplified the style in the film The Wild One, and the coat became a necessity for Hells Angels and other bikers who emblazoned their clubs name on the back. Rock stars and punks later latched on to this “bad boy” image of black leather, but leather jackets eventually found mainstream favor when manufacturers began creating leather in a variety of styles and colors, such as the brown bomber jacket and haute couture skirts and blazers. The mystique of the original biker style, however, endures.
Leather JacketSoldiers of the Roman Empire invaded the lands of northern Europe and discovered Teutonic nomads wearing leather garments as protection against the harsh elements. When these soldiers returned to Rome with leather pants, the toga-garbed officials of the city tried to ban their use, but to no avail. Romans were soon using leather for shoes and tunics as well as for breastplates and shields. In fact, the first recorded tanning guild was formed in the Roman Empire.

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This has been a consistent story for us; the true value of a compliance solution shows through in the auditing process, said Bob Cofod, president and chairman of BANKDetect. RiskTracker-AML offers the compliance analysis and loss prevention screening our clients can rely on. Its quality is reinforced by successful audits such as this. I think that much of this type of success is the result of our clients working closely with us so that each system is married as closely as possible to their daily operations. This gives us invaluable feedback to allow the continual refinement of all our products and services RiskTracker-AML is a cost effective transaction monitoring system that identifies money laundering risk and other suspicious activity. The solution, which can be customized for individual bank needs, is designed to analyze virtually any type of transaction for which data can be provided for compliance. It uses an array of RiskIndicator analysis modules that can perform a wide variety of independent or interrelated analyses, ranging from pattern detection to trend analysis and individual transaction assessment.
The theory is nice: if you mandate banks to report all significant or suspicious financial transactions, you can track funds used to finance terror organisations. If you can track those funds, you can also block them. If you can block those funds, then terrorism will stop because it will go bankrupt. Acting on this theory, the US has put great pressure on Arab governments, particularly those in the Gulf, to `adopt stringent new bank monitoring and reporting standards. There has been no definition of terrorism to reinforce the targets set by the US and its allies, said one Dubai-based commentator. Is there any difference between terrorist acts and economic wars?
Budgeting and debt management; advice from finance industry experts about personal and family finances, banking, handling money, building and using credit.and directories for additional help and information.

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One of Britains leading cosmetic surgeons, Martin Kelly, known as the “surgeon to the stars”, has been found dead after a suspected heart attack at the age of 42. Mr Kelly, who was married to the Hollywood actress Natascha McElhone, was discovered by a friend on the doorstep of the family home in Fulham, west London, on Tuesday night. He was dead on arrival at the nearby Chelsea and Westminster Hospital where he was a consultant. Mr Kellys father-in-law, the media commentator Roy Greenslade, said the family was in shock. “As well as being a brilliant doctor, he painted and wrote music, as well as being a great sportsman,” he said. “He was terrific; a true renaissance man.”
Bigger breasts were top of the shopping list for women seeking cosmetic surgery last year, which saw overall demand soar by one- third. The growing acceptability of nip and tuck as a means to cosmetic enhancement has fuelled a booming industry and turned plastic surgeons into millionaires. Breast augmentations, costing pounds 4,000, were up by more than 50 per cent to 5,655 operations - the commonest procedure in the cosmetic surgery pantheon. Breast reductions were less than half as popular with 2,700 procedures, up less than 10 per cent on 2004.
Dr. Stephen T. Greenberg is putting himself in a jar. The Woodbury-based plastic surgeon is not performing feats of prestidigitation. And he doesnt advocate going at yourself with a mirror and scalpel, although he has written a how-to book on plastic surgery: “A Little Nip, A Little Tuck: An Insiders Guide to Cosmetic Enhancement” was published two weeks ago, coinciding with the release of Greenbergs new cosmetic products line, “Cosmetic Surgeon in a Jar,” which launches in July. Chapter titles reveal both the operations discussed and the books breezy style: “The Quest for Cleavage,” “Bringing Up the Rear” and “The Perfect Profile” are among the highlights.

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Amidst this grim backdrop, Aaron Feuersteins textile mill in Lawrence, Mass. burned down. Without hesitation, he announced that he wasnt going to pull up stakes and move to Mexico. He was going to rebuild the mill right there, in the state conservatives deride as “Taxachusetts.” Not only that, he was going to pay his workers a months wages to get them through the Christmas season.Soon everyone was talking about Feuerstein. He was an ABC News “Person of the Week.” He sat next to Hillary Clinton at die State of the Union address. Yet Feuerstein himself couldnt understand the fuss. “What?” he asked. “For doing the decent thing?” While his modesty may be excessive, his instinct is on the mark. By his example, he raised a pointed question: Why do we expect so little from major businesses these days?Certainly, that thought is abroad in the land. Not since Ralph Naders heyday in the early seventies have the words “corporate responsibility” come up so often in political debate. Because die prime messenger this time is Pat Buchanan, much of the mainstream media has dismissed the issue as the benighted economics of Bible-thumping ignorami. But the notion that corporations have responsibilities, just like real people, touches a deep chord; and while the term “corporate responsibility” may strike jaded modem ears as oxymoronic and naive, historically it is exactly right. “The corporation is a creature of the state,” the Supreme Court observed back in 1906. “It is presumed to be incorporated for the benefit of the public.”
To date Eurogas has completed all of the elements of establishing a registered oil and gas joint venture in Russia. The company has expended in excess of $12 million on corporate and pre-development costs which included the drilling of 3 development wells, long term production testing, reservoir and feasibility studies.The Yaro-Yakinsk Field is a massive structure with total closure of approximately 100 square kilometers, defined by the drilling of 43 wells. Oil, gaIn production tests conducted by Eurogas stabilized gas flow rates of 9.2 MMCFD with 431 BBLS of condensate were recorded. Third party engineering an
VANCOUVER, BRITISH COLUMBIA–(BUSINESS WIRE)–Jan. 10, 1997– Teck Corporation (TSE, ME, VSE TEK.A., TSE, ME, VSE TEK.B.) Teck Corporation and Firsty Dynasty Mines Ltd. announced today that they have been advised that the Tender Commission of the Government of Kazakstan has decided not to accept the recent proposal made by the two companies for development of the Vasilkovskoye gold deposit in northern Kazakstan.

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A house in Hampstead that has hidden its north London origins behind a new Japanese personality, has just come on the market. Two adjoining houses in Fitzjohns Avenue were replanned and redesigned with specially selected materials. A stream runs along the full length of the properties (which are reached by means of a slatted bridge) and a sunken Japanese garden is filled with pebbles, ferns and bamboo. One of the houses only is for sale at an asking price of pounds 435,000 through Goldschmidt Howland (0171-435 4404). The main bedroom has a low-level custom-made Japanese platform bed and sliding shoji cupboards made from yellow rice paper. Housebuilders have just had their busiest month for two years and the prospects look good, according to the latest report for the House Builders Federation. New homes have increased their market share to almost 13 per cent from the 10 per cent at which they had been stuck since 1988. John Stewart, an independent housing economist and author of the report, says they are managing to fill a gap in the market because of sensitive prices and attractive marketing. “When I did some research with the Halifax we found a lack of confidence among intending homebuyers: they were not sure they would be able to sell their present homes. In buying a new home the hassle-free factor is very important,” he said. This bears out evidence from builders such as Barratt of a new breed of buyer at the top end of the market who, frustrated by the lack of good property available, is turning to developers for the first time. The success of Barratts award-winning development, Lakeside Grange, in Weybridge, Surrey, looks like being matched by its latest enterprise on the River Thames at Chiswick. At the recent opening of Royal Thames Crescent, all but three of the 19 five-bedroom houses and 13 two-bedroom apartments, with prices ranging up to pounds 600,000, have been sold.
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* David Cameron Executive VP Benfield Group Minneapolis * David Duffy Managing Director Guy Carpenter New York * Thomas Johnson Managing Director Guy Carpenter Morristown, N.J.

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Audio/Video Interiors is positioning itself as a smart, souped-up shelter magazine for the nineties consumer.Since launching in 1989, the Woodland Hills, California-based title has seen ad pages climb from 289 as a bimonthly in 1990, according to Publishers Information Bureau figures, to 397 pages as a monthly last year. Through October of this year, the magazines executives note, ad pages are up 12 percent and ad revenues are up 16 percent. (East Coast revenues are up about 26 percent, reflecting the titles growing presence in that region, while revenues for the more mature West Coast market are up about 6 percent.) New advertisers Henredon Furniture, Pennsylvania House Furniture and Jasper Cabinet Co. are just a few of the dozen or so non-endemic players now appearing in the title. Moreover, circulation was up 14.1 percent for the first half of 1993, to 57,765, from 50,628 for the same period of 1992, according to the latest figures from Audit Bureau of Circulations.”The shelter books offer a broader scope and response rate, but the response to AVI has been incredible,” maintains Kathy Oswald, manager of graphic design and photography for Pennsylvania House (where she also oversees advertising).
The home theater category has been dominated by pricey new display technology, leaving little left over for complementary audio pieces. Consumers are spending more on TVs and less on high-quality audio components, a situation thats not likely to change in the near future, thanks to the popularity and affordability of all-in-one home theater packages. Whats driving this is display upgrade, points out CEA analyst Sean Wargo. Certainly people are spending more than they ever have in the past on the video portion of home theater, agreed Stephen Baker, director of industry analysis for the NPD Group. With flat panel displays capturing consumers attention and a large share of their home entertainment budgets, specialty retailers have either relinquished the audio add-ons to discounters or stocked up on inexpensive HTIB packages, giving up the margin that goes with higher-end components.

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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.
There were 45 attendees including agents from Prudential Greater Topeka REALTORS, Topeka, Manhattan, Salina and Overland Park. Janice Price, of Munster, Ind., was the trainer for Prudentials University on Tour.

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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.
Nursing home care in Utah is improving, the Centers for Medicare and Medicaid Services reported Wednesday. Many of those improvements were linked directly by care center administrators to a quality improvement project through HealthInsight, Medicares Quality Improvement Organization in Utah. The organization is part of the national Nursing Home Initiative, which focuses on raising standards of care in nursing homes across the country and giving consumers more comparison information.
Radio continues to be an inexpensive way for dealers and suppliers to reach their increasingly mobile customers Last year, the Minnesota-Dakota Hardware Association used $130,000 in co-op funds provided by five companies — Ace Hardware, United Hardware Distributors, TruServ, Briggs Stratton and 3M — for a five-month-long radio campaign extolling the virtues of the independent dealer over its warehouse competitors. Radio, which traces its roots back to the 1870s when it served as a point-to-point wireless telegraph, has survived several technology revolutions and continues to provide a reliable venue for dealers promotional efforts. Its relatively low cost and access to people while they are mobile are making radio a preferred and efficient medium for more companies. At least one study has even found that online dealers, with their cutting-edge approach to marketing and selling, are using radio ambitiously to get their messages out to shoppers.

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Marilyn Willms Marilyn Willms — has joined the Tom Lane Team as a Realtor associate, along with Tom Lane, Sharon Markley, Michele Loeffler, Wayne Wischropp and John Lane at Realty Executives of Topeka.

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Valco Cincinnatis new OT-100 terminal is the ultimate touch screen data-entry system for folding carton producers. It interfaces with Valcos MCP/MCU series of controls for reliable command over all gluing and quality assurance functions such as precise/complex gluing patterns, code reading, color detection, print-to-print monitoring, print-to-cut monitoring, glue line inspection, window/insert detection, skewed and double-feed monitoring, carton ejection, and data collection. The OT-100 terminal uses an array of simple pictograms and market-specific program symbols for fast and easy setup or changeover. It can accept and integrate up to 16 different glue valves and sensors for multiple and specific applications. A dedicated control module within the MCP/MCU is available for each glue valve or sensor. The OT-100 can run other technologies, including the high performance MARS scrap ejector. Machine speed is 600 meters per minute (2,000 feet per minute).
Leasing software on an as-needed basis is suddenly the rage. But will the Application Service Provider model work for users of data entry software? Data enters an organization in many forms. Although more and more information is available electronically, the reality is that most of it arrives on paper document or faxes and must be converted to computer-readable format before it can be used. Organizations typically solve this problem in one of several ways:

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THE SPICE GIRLS LOVE EM . . . AND YOU WILL TOO AT THIS AMAZING PRICE! Heres a great Spice-style offer for Sunday Mirror readers! Weve put together a super deal on great Bubble Jackets like the ones worn by Geri, Mel B, Mel C, Victoria and Emma. The Bubble Jacket has become the most popular selling jacket in the fashion market thanks to the Fab Five. Its the one youll really, really want!
> Blazers are no longer the stiff stuff of business meetings and formal affairs. In 2006, theres a style of blazer on the market for every personality type. Our current favorite: this stylish option from ROCK AND REPUBLIC ($395). Frayed edges and exposed seams give the jacket a street-smart, rough-and-tumble appeal, while its patchwork detail helps fulfill every guys rock-star aspirations.

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NEW YORK — Pirates will be storming your neighborhood soon, whether you live near the high seas or not. Thanks in no small part to this summers box-office success of “Pirates of the Caribbean: Dead Mans Chest,” pirate costumes are the hottest look for Halloween, according to retailers. Expect to see both girls and boys with eye patches, and women and men with bandanas around their heads. In a pinch, a procrastinator could throw on a white shirt, grab a bandanna, eye patch and plastic sword — all easy to find this time of year — and be ready to go, she suggests.
In the game Katamnri Dnmacy, the King of All Cosmos, left (who is at least three kilometers tall), has destroyed all the stars in the sky and sent the Prince, right (who is five centimeters tall), to Earth to gather material to make new stars by rolling around a katamari, a magical sticky ball. The katamari picks uf> increasingly larger objects: push pins, ice cream cones, TV cameras, lamp posts, sumo wrestlers, bulldozers, sperm whales, and mountains. Fun, quirky, and surprisingly addictive, despite worlds stupidest premise.
SYRACUSE - Some local costume retailers feared consumers would rem in spending this Halloween season in the wake of recent high-profile hurricanes and rising energy prices. However, strong sales at the cash register are proving otherwise, local storeowners say. “We started off a little slow; I really feel that [Hurricane] Katrina look a number on people,” Denise Dougherty Vinal, owner of Doughertys Fun Services, Inc., which operates the 10,000-square-foot Doughertys Masquerade store at 3011 Erie Blvd. East in Syracuse and its 3,400-square-foot counterpart at the Great Northern Mall in Clay.Dougherty Vinal expects that sales at her two stores this Halloween season are likely to exceed last years. The nature of Halloween - the escape it offers - helps boost business even during challenging times, she adds.

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Business Editors MeriStar Hotels Resorts (NYSE: MMH), the nations largest independent hotel management company, today announced that it has elected Leslie R. Doggett and John Emery to its board of directors.
Business Editors and Transportation Writers REDWOOD CITY, Calif.–(BUSINESS WIRE)–Jan. 24, 2000 Emery Worldwide has launched a new customs brokerage program that will assist the growing number of manufacturers who now must assume duty costs and customs compliance for international shipments as part of doing business with their customers.
Business Editors MeriStar Hospitality Corporation (NYSE:MHX), the nations third largest hotel real estate investment trust (REIT), today announced that its chief operating officer, John Emery, has been elected to the companys board of directors.

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NEW YORK — Anyone whos self-employed knows what a headache it is finding affordable health care coverage for themselves and their workers. Medical savings accounts, or MSAs, were established earlier this year through the federal Health Reform Act of 1996 as sort of an experimental remedy to help control costs. The accounts combine a high-deductible insurance policy with a tax-sheltered savings account that can be used to pay out-of-pocket medical expenses, like routine doctor visits or prescriptions. Over the next four years, up to 750,000 eligible taxpayers — those who run their own business and employees of companies with fewer than 50 employees — may set them up on a first-come, first- serve basis. Response so far has been tempered, despite the programs limited nature and the high praise from both financial and medical practitioners. Only a select group of banks and insurance carriers offer them right now. “Its slower than we would like,” said Dr. William T. Terry, managing partner for American Health Value Medical Savings Account in Boise, Idaho. The company has set up around 2,000 accounts nationwide since January in conjunction with First Federal Savings of Nampa, Idaho. Its goal is to have 100,000. But Terry and others think business will pick up soon as more financial institutions enter the fold and as individuals become more familiar with the concept and numerous perks. “Its a gangbusters plan for anyone who cant count on Medicare or other features of traditional medical planning,” said Robert K. Heady, publisher of Bank Rate Monitor, which is tracking these accounts. “Its a very good idea.” The most appealing part is the tax benefit. Annual MSA contributions are tax-deductible, earn interest tax- deferred and withdrawals tax-free so long as theyre used for medical expenses. Its a little like an individual retirement account — only better. In fact, some financial experts contend MSAs could supplement regular retirement accounts, like IRAs and 401(k) plans. Neither Congress nor the president intended it to be this way, but MSA holders dont even have to use money from the account for their uncovered medical bills. They can keep it there until they retire, and once they turn 65 withdraw the funds for any purpose without being hit with the 15 percent penalty tax the federal government imposes. (Of course, not everyone can afford to do this, unless they never get sick or have other funds to drawn on.) Eclipse MediSave America, an MSA servicing company, calculates that a family making a $3,375 annual MSA contribution (the maximum allowed under federal guidelines), and earning 8 percent interest a year could accumulate $1.4 million in the account over 45 years. Even if they withdraw $1,000 a year, they still would accumulate $991,000, it says. Most MSAs offer rates of return of 4 percent to 5 percent right now, which is still better than the average passbook savings account rate of 2.3 percent and money market account rate of 2.6 percent. American Health Value has 4.5 percent savings rate after a one- time setup fee of $19.25, plus a $2.50 monthly maintenance fee. Another key player, Golden Rule Insurance in Lawrenceville, Ill., affiliated with Northern Trust in Chicago, pays out 5 percent, has a $10 setup fee and $3 monthly maintenance fee. A few accounts offer or plan to offer more aggressive investment opportunities through stocks, bonds and mutual funds, which could yield higher returns. For instance, Mellon Network Services, a division of Mellon Bank in Pittsburgh, says MSA customers eventually can transfer some of their MSA funds into a Dreyfus brokerage account. Financial experts advise individuals to shop around before setting up an account, scrutinizing details of the savings-account portion of the MSA just as they would any other investment or savings plan. Everything else is pretty standard: The deductible on the health insurance policy must be at least $1,500 and no more than $2,250 for individuals and at least $3,000 and no more than $4,500 for families. The maximum annual contribution an individual or his or her employer can make is 65 percent of the deductible. A family has a 75 percent limit.
It can be an embarrassing subject to discuss, even with your doctor, but urinary incontinence is a common condition with a wide variety of treatment options. It is not caused by aging, though it affects an estimated 38 percent of women 60 and older. The most common forms are urge incontinence and stress incontinence, according to Renuka Tyagi, MD, an assistant professor of urology at Weill Cornell Medical College.

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A pirates sash, a musketeers blouse and a 1920s flapper girl fringe are some of the many costumes created out of Thad Hansens love of reading about the past. Hansen is owner of Salt Lake Costume, and in his business, researching history is a necessity in designing wardrobes for different time periods. As a youngster Thatcher read Hardy Boys books along with John Jakes “American Bicentennial Series,” which follows a family line through a number of centuries and adventures. But now some of his favorites are J.R.R. Tolkiens “Lord of the Rings” and “The Hobbit” as well as Alexander Dumas “Man in the Iron Mask” and “Count of Monte Cristo.” “Those books (Tolkiens) are well-done, and I kind of like fantasy- type books with different words,” said Hansen.
PROVO — Halloween is getting bigger, and so are the budgets for costumes. The most popular costumes for both genders are pirates, due to the Johnny Depp influence, said Taylor Maid owner Rick Taylor. The costume store is stocking lots of choices in buccaneer costumes, hats, swords and even coins. Women are going for sexier costumes, Taylor said — Snow White or Little Red Riding Hood in a short skirt and ruffled tops. Of course, the traditional witch costume remains popular.
Is your son climbing the walls, begging you to let him be Spiderman for Halloween this year? If so, youre not alone. Once again, the webbed superhero is one of the most popular costume choices for the Halloween season. But if you dont have an outfit ready, you may be out of luck. Stores across Utah Valley are selling out of popular costumes like Spidey. Here are some popular alternatives that can be quickly thrown together with clothes and items lying around the house:

Star Wars Costumes

Business Editors MeriStar Hotels Resorts (NYSE: MMH), the nations largest independent hotel management company, today announced that it has elected Leslie R. Doggett and John Emery to its board of directors.
Business Editors and Transportation Writers REDWOOD CITY, Calif.–(BUSINESS WIRE)–Jan. 24, 2000 Emery Worldwide has launched a new customs brokerage program that will assist the growing number of manufacturers who now must assume duty costs and customs compliance for international shipments as part of doing business with their customers.

Promotional Emery Boards

The typical commercial building–fluorescent lights, boxy floor plans, and static work environment–is slowly being phased out. Todays traditional building has become costly and inefficient by wasting energy, depleting natural resources and endangering the environment. To accomplish this, a balance between environmental inputs and outputs is needed so that environmental burdens can be severely diminished. These green healthcare facilities are extremely energy efficient, which drives operating costs down, and also creates a safer environment for employees and patients.
Controlling noise emitted by modern HEALTH CARE TECHNOLOGIES as well as protecting patient privacy while speaking is essential for hospitals and clinicsHow close to the emergency generators can the new microsurgery suite be?Areas where images are magnified for diagnosis or treatment are potentially susceptible to vibration. The most common areas of concern include microsurgery and lab microscopes. Quantitative criteria for acceptable levels of floor vibration are often provided by system manufacturers or acoustical consultants. This allows for an engineering assessment of what measures are needed to meet the criteria.

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BATH - A Southern Tier RV dealer, Wilkins Recreational Vehicles, Inc., is moving from Hornell to Bath to boost its space and visibility.The RV dealership - which attracts RV buyers from across the Southern Tier, Central and Western New York, and Northern Pennsylvania - is constructing a 52,000-square-foot headquarters on a 15-acre lot on State Route 415 in Bath, says Brian Wilkins, president and general manager.The new location can be seen from Interstate 86, Wilkins says. Improved visibility, along with the increase in available space, will help the company grow, he contends.
LINCOLNSHIRE, Ill. — Companies, along with new RV Website RVs.com, Join The High Speed Motorsports World with Andretti #10 Team Sponsorship, Raising Industry Profile This is the first time that an RV dealer network or RV related retailer has taken on a major NASCAR sponsorship. The companies expect this high profile exposure to benefit the RV industry as a whole from retailing to manufacturing. The sponsorships promise to expand awareness among the well matched NASCAR demographic about the RV industry and lifestyle, as well as FreedomRoads and Camping World as premiere RV and RV accessory and camping retailers respectively. The addition of RVs.com rounds out the sponsorships and will stimulate fans to visit what is being touted as the premier RV website for RV buying and selling, financing and a broad range of RV related information. They will kick off the sponsorships with a formal announcement and press event at Daytona International Speedway on Tuesday, February 14, 2006. FreedomRoads Chairman and CEO Marcus Lemonis stated, FreedomRoads and Camping World are very excited about entering the Motorsports industry and expanding awareness of what our companies have to offer and the RV lifestyle in general. We are exposing millions of NASCAR fans to this growing lifestyle, and we are positively thrilled to be doing it with the #10 Andretti team.
MILWAUKEE–(BUSINESS WIRE)–June 10, 1998– TradeRoute(TM) Enables Damon Corp. To Enhance Dealer Service ARI Network Services, Inc. (NASDAQ/NMS:ARIS), a leading provider of Internet-enabled electronic commerce services for distribution channels, announced that Damon Corp., of Elkhart, Indiana, is the third major RV manufacturer to select ARI software for dealer communications.

Wisconsin RV Dealer

A High-Tech Weapon in the Fight Against Aging Skin Normally this is not a good thing where humans are concerned. In science fiction films the characters vaporized by a laser simply disappear. Patients opting for cosmetic laser surgery, however, suffer a less severe fate: Only their wrinkles and other skin imperfections disappear.
Once considered the province of 50-something women, cosmetic surgery is gaining popularity among both sexes of all ages. Driving the trend is a combination of improved surgical techniques and baby boomers seeking to delay aging.”We see a lot of professionals who work in the corporate world or own businesses,” says J. Barry Boyd, a plastic surgeon in Winter Park, Florida. “Cosmetic surgery has become a common choice for them to maintain their appearance and physique.”In 1994, approximately 41 percent of aesthetic plastic surgical procedures were performed on people aged 35 to 50. Boyd says having procedures at a younger age may minimize the need for more extensive surgery later and may produce better results.
Cosmetic surgery clinics have been growing in number and popularity as what was essentially an American phenomenon reaches Irish shores. Dr Tony OSullivan is a GP based in the Irish Town Health Centre in Dublin. Here he outlines his opposition to the practice which he believes is self-mutilation Registered General Nurse Una Mowat, a clinic and nurse manager at the Transform Medical Group Cosmetic Surgery in Holywood, Co Down, disputes his claims.

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With his 74th birthday coming up Jan. 29, Russ Ferris is getting back into the moccasin-making business.Ferris made deerskin moccasins for more than 40 years in the workshop on the first floor of his home at 1721 George St. He also has made deerskin gloves and other leather products and repaired shoes, coats and jackets at various times in the past four decades. And he continues to sell leather to leather shops in Wisco.. and Minnesota.Ferris estimated he was working 50 to 60 hours a week in his shop before he sold Frontier Moccasin. But he still works at least 30 hours a week, making a new product - deerskin moccasins for babies - and repairing coats and jackets.
In the Yukon Public Schools board room, gifted students watched with wonder as authentic 19th century Cheyenne moccasins were presented to show how they reflected Native American trade. “The beads used in making these moccasins were manufactured in glass factories of northern Italy and Bohemia,” said Curator Jeff Briley of the Oklahoma Historical Society. “Through an intricate trading system, these beads came to the Great Plains of North America and were traded to Indians for hides and furs.” This amounted to a “field trip” for the students, but they stayed in Yukon while Briley and Byers demonstrated the trade significance and care of artifacts from the State Museum of History near the State Capitol.

Moccasins

A fairly new set of trading and diagnostic tools in the form of Exchange Traded Funds (ETFs) are now available to the forex trader. ETFs are becoming an important asset category and provide investors and traders wirh new opportunities to participate in targeted markets. For the forex trader, ETFs can be used to derive supportive information about the direction of currencies. Many ETFs also offer options providing even more potential for shaping trades. ETFs that are related to currency trading include dollar sentiment ETFs, ETFs on economic sectors (housing, real estate, etc.), ETFs tracking currency pairs and ETFs on commodities. All of these categories can help the forex trader in deciding direction, especially ETFs that track dollar sentiment. The forex trader can use the Powershares DB U.S. Dollar Index Bullish Fund (UUP) to detect a shift in the dollar sentiment. UUP employs a bullish dollar strategy. The ETF is long the dollar against several currencies including the euro, yen, British pound, Canadian dollar, Swedish krona and Swiss franc. Obviously this has not been a profitable fund recently, but this ETF can indicate the mood of the market. Changes in its price will alert the forex trader when there is a shift in dollar sentiment. In contrast the Powershares U.S. Dollar Index Bearish Fund (UDN) is an ETF with a bearish strategy. An effective way to use these ETFs is not necessarily to trade them, but rather to evaluate their relative performance. UUP and UDN are a good pair to look at because they are nearly perfectly negatively correlated at -0.96 (see “Dueling dollars”). Comparing these two sides of the coin on U.S. dollar sentiment is an effective way of deriving further insights.
With Eurex launching currency futures contracts on Sept. 23, which will compete with the Chicago Mercantile Exchanges (CME) currency contracts, Eurex will become more than a direct competitor against the CME, itll be another option in the wide world of foreign exchange. While currency futures contracts and currencies traded on the OTC forex market are not the same thing, many say theyre close enough. In fact the futures prices and the spot prices move in parallel. “The [currency] futures have been around for a while but futures have been around for less time than the [OTC] cash FX market,” says Gleiin Stevens, managing director at Gain. “The difference here is that in the last five years in particular the retail product and the retail user has seen a more viahle two options. Some time ago the only option for a retail user, other than going through a private bank, was to use the futures. In the last five years theres been a better opportunity for the individual. Now hes got two choices.” Michael Stumm, president of Oanda, agrees on that timeline. “The forex market has been growing substantially. Five years ago there was no such thing as a retail forex market and today its large and growing very quickly, and because of the gaining popularity and higher volumes, the exchanges want to be a part of that. And thats why [Eurex is] introducing currency futures,” Stumm says.

Forex Trading System

ConcreteConcrete is a hardened building material created by combining a chemically inert mineral aggregate (usually sand, gravel, or crushed stone), a binder (natural or synthetic cement), chemical additives, and water. Although people commonly use the word cement as a synonym for concrete, the terms in fact denote different substances: cement, which encompasses a wide variety of fine-ground powders that harden when mixed with water, represents only one of several components in modern concrete. As concrete dries, it acquires a stone-like consistency that renders it ideal for constructing roads, bridges, water supply and sewage systems, factories, airports, railroads, waterways, mass transit systems, and other structures that comprise a substantial portion of the U.S. wealth. According to the National Institute of Standards and Technology (NIST), building such facilities is in itself one of the nations largest industries and represents about 10 percent of the gross national product. Over $4 billion worth of hydraulic cement, a variety which hardens under water, is produced annually in the United States for use in $20 billion worth of concrete construction. The value of all cement-based structures in the United States is in the trillions of dollarsroughly commensurate with the anticipated cost of repairing those structures over the next twenty years.The words cement and concrete are both of Latin origin, reflecting the likelihood that the ancient Romans were the first to use the substances. Many examples of Roman concrete construction remain in the countries that encircle the Mediterranean, where Roman builders had access to numerous natural cement deposits. Natural cement consists mainly of lime, derived from limestone and often combined with volcanic ash. It formed the basis of most civil engineering until the eighteenth century, when the first synthetic cements were developed.
No retrospective would be complete without remembering the contributions of leading figures who have helped shape the industry. In this issue recognizing todays top contractors (see page 27), it is fitting to salute some of the pioneers from CONCRETE CONSTRUCTIONS early days. It was Corbettas dedication to the development of a strong concrete industry, however, that earned him the moniker Mr. Concrete. He was instrumental in founding several organizations, starting in 1950 with the Concrete Industry Board of New York City, which brought together concrete contractors, producers, architects, engineers, testing labs, cement manufacturers, and reinforcing steel producers.
Concrete BlockConcrete mortar was used by the Romans as early as 200 B.C. to bind shaped stones together in the construction of buildings. During the reign of the Roman emperor Caligula, in 37-41 A.D. , small blocks of precast concrete were used as a construction material in the region around present-day Naples, Italy. Much of the concrete technology developed by the Romans was lost after the fall of the Roman Empire in the fifth century. It was not until 1824 that the English stonemason Joseph Aspdin developed portland cement, which became one of the key components of modern concrete.

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MORATORIUM ON NEW CAR PURCHASES Would you buy a used car from Gov. Kathleen Sebelius?
Inchcape Motors Retail, a leading UK multi-franchise group, is to use Experians Car Data Check to investigate the backgrounds of all used cars they buy and sell. The system, which is based around Vehicle Identification Numbers (VIN), was developed by Experian to provide motor dealers and car auction groups with the confidence that any vehicle they are buying or selling has not been writtenoff or stolen, and is free from any finance agreement. Every used car sold by Inchcapes Wadham Kenning, Gerard Mann, the Cooper Group, HA Fox, Mann Egerton and the ITMR dealerships (nearly 60 in all) will have a certificate to give customers the reassurance that the vehicle has no hidden history. For further information telephone 0115 976 8464

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In some cases, a stepparent will legally adopt his or her spouses children from a previous marriage. The biological father or mother must either be absent with no legal claim to custody, or must grant permission for the stepparent to adopt.

In situations where a single parent lives with someone outside of marriage, that person may be referred to as a co-parent. Co-parent is also the name given to the partner in a homosexual relationship who shares the household and parenting responsibilities with a childs legal adoptive or biological parent.

The home which was owned by the family prior to a divorce or separation is referred to as the family home in many state laws. In court settlements of divorce and child custody issues, the sale of the family home may be prohibited as long as the minor children are still living there with the custodial parent. The sale of the home may be permitted (or required to pay the noncustodial parent his or her share of its value) if the custodial parent moves or remarries, or when the children leave home to establish their own residences.

The term extended family traditionally meant the biological relatives of a nuclear family; i.e., the parents, sisters, and brothers of both members of a married couple. It was sometimes used to refer to the people living in the household beyond the parents and children. As family relationships and configurations have become more complex due to divorce and remarriage, extended family has come to refer to all the biological, adoptive, step-, and half-relatives.

Government agencies and other statistics-gathering organizations use the term head of household to refer to the person who contributes more than half of the necessary support of the family members (other than the spouse); in common usage, the head of household is the person who provides primary financial support for the family.

Further Reading

For Your Information

• Bernardes, Jon. Family Studies: An Introduction. New York: Routledge, 1997.
  
• Elkind, David. Ties That Stress: The New Family Imbalance. Cambridge, MA: Harvard University Press, 1994.
  
• Eshleman, J. Ross. The Family: An Introduction. 7th ed. Boston: Allyn and Bacon, 1994.
  
• Kephart, William M. and Davor Jedlicka. The Family, Society, and the Individual. 7th ed. New York: HarperCollins, 1991.
  
• Ohio Cooperative Extension Service. Changing Families, Challenges and Opportunities. Columbus, OH: Ohio Cooperative Extension Service: The Ohio State University, 1988. (Four sound cassettes, covering the subjects of latchkey families, single-parent families, strengthening step-families, and two-income families.)
  
• Strong, Bryan and Christine DeVault. The Marriage and Family Experience. 4th ed. St. Paul: West Publishing Co., 1989.
  
• White, James M. Dynamics of Family Development: A Theoretical Perspective. New York: Guilford Press, 1991.
  

  Further Information

  
  
• Family Service Association of America (FSA), formerly the Family Welfare Association of America), 11600 West Lake Park Drive, Milwaukee, WI 53244; Phone:(414) 359-1040; Phone:(800) 221-3726
  
• Step Family Foundation (SFF), 333 West End Avenue, New York, NY 10023; Toll-free:(212) 877-3244; (Disseminates information on step families, provides counseling and training service, and publishes informational materials.)

In situations where a single parent lives with someone outside of marriage, that person may be referred to as a co parent. Co-parent is also the name given to the partner in a homosexual relationship who shares the household and parenting responsibilities with a childs legal adoptive or biological parent.

The home which was owned by the family prior to a divorce or separation is referred to as the family home in many state laws. In court settlements of divorce and child custody issues, the sale of the family home may be prohibited as long as the minor children are still living there with the custodial parent. The sale of the home may be permitted (or required to pay the noncustodial parent his or her share of its value) if the custodial parent moves or remarries, or when the children leave home to establish their own residences.

The term extended family traditionally meant the biological relatives of a nuclear family; i.e., the parents, sisters, and brothers of both members of a married couple. It was sometimes used to refer to the people living in the household beyond the parents and children. As family relationships and configurations have become more complex due to divorce and remarriage, extended family has come to refer to all the biological, adoptive, step-, and half-relatives.

Government agencies and other statistics-gathering organizations use the term head of household to refer to the person who contributes more than half of the necessary support of the family members (other than the spouse); in common usage, the head of household is the person who provides primary financial support for the family.

statistics on Families, 1980, 1990, 1995

Type of household	1980 Number in 1,000	1990 Number in 1,000	1995 Number in 1,000	1980 percent of total	1990, percent of total	1995, percent of total
All families	59,550	66,090	69,305	71%	71%	86%
–with children under 18	31,022	32,289	34,296	35%	35%	52%
Married couple families	49,112	52,317	53,858	56%	54%	67%
–with children under 18	24,961	24,537	25,241	26%	25%	40%
Single father with children under 18	616	1,153	1,440	1%	1%	2%
Single mother with children under 18	5,445	6,599	7,615	7%	8%	10%

Further Reading

For Your Information

Books

• Bernardes, Jon. Family Studies: An Introduction. New York: Routledge, 1997.
  
• Elkind, David. Ties That Stress: The New Family Imbalance. Cambridge, MA: Harvard University Press, 1994.
  
• Eshleman, J. Ross. The Family: An Introduction. 7th ed. Boston: Allyn and Bacon, 1994.
  
• Kephart, William M. and Davor Jedlicka. The Family, Society, and the Individual. 7th ed. New York: HarperCollins, 1991.
  
• Strong, Bryan and Christine DeVault. The Marriage and Family Experience. 4th ed. St. Paul: West Publishing Co., 1989.
  
• White, James M. Dynamics of Family Development: A Theoretical Perspective. New York: Guilford Press, 1991.

Young Hope is excited about her familys annual get-together at Aunt Poogees house. This years dinner will be extra special for Hope because she is bringing a surprise dessert-peppermint pickles! Readers will enjoy this poignant and delightful family tale grounded in the theme of acceptance. A sequel to her first childrens book, Hope, Monks Family is clearly another “must-have” title. Porters glorious illustrations delight. Ages 5-8. Reviewed by Eileen Shultz, Kutztown University of PA

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Money and Finance in the Age of Merchant Capitalism, by John Day. Malden, Massachusetts, Blackwell, 1999. viii, 165 pp. $29.95 U.S. (paper). The first essay, an outline of general trends in European monetary history from the middle ages to the industrial revolution, including inflation and the development of bank money, is pithy and engaging. Two other essays are specific studies of monetary problems in the economies of Venice and Sardinia, and there is a lengthy survey of the various problems different early modern states had in maintaining the mint standards of their respective metallic currencies. A general theme which surfaces in all of these essays is, as Day puts it, “the chronic instability of the metallic money supply” (p. 108) which became even more exacerbated in times of bullion shortage. Day provides plenty of evidence of the pressures this put on governments to engage in devaluation in attempts to counter the shortage of specie in the economy. In addition, he also shows that the huge, but very under-researched, social problem created by currency shortages, in the form of an extreme scarcity of reliable small change which could be used by the poor, was a general European phenomenon. Although the first essay provides an introduction to Days interests, it was not written specifically to introduce this set of essays and thus his position on monetary history is not explicitly stated. These essays show, however, that he clearly subscribes to the quantity theory of monetary history, although he does not address any of the criticisms which have been levelled against it. For Day, economic expansion was directly linked to the amount of bullion available to the European economy. Thus he sees the depression of the fifteenth century linked to a bullion famine in these years, while the subsequent economic expansion of the sixteenth century was caused by new mining and the influx of American gold and silver. He then sees a subsequent economic slowdown in the seventeenth century followed by a renewed growth in the bullion supply in the eighteenth century - permitting the industrial revolution. There was certainly an important relationship between money in circulation and economic expansion, but it is not such a simple tongue duree functionalism as suggested by Day. There was a third factor in the equation which was credit, and this did not inevitably expand proportionally in relation to the bullion supply, even though it was stimulated by an expanded circulation of the latter. Thus for instance J .R. Wordie has argued that, while much new silver may have come into England in the sixteenth century, it did not stay there because of the costs of foreign war and recurring trade deficits. But, despite this fact, credit increased dramatically. Along similar lines, customs revenues show that Englands import trade was expanding rapidly in the late seventeenth century, as her money supply shrank, partly to pay for such imports. This famously led to the great recoinage and the creation of the Bank of England, but it would be hard to characterize the 1670s and 1680s as a period of economic depression because of a shortage of bullion. The shortage did cause problems in the 1690s, but this didnt translate into an economic depression for the whole of the seventeenth century. Thus, any examination of the relationship between money and economic performance needs to take credit into account as a linked and equally important component in financial systems and should be looked at micro-economically in the short term because of the institutional nature of credit.
CHARLIE Parker said, “Romance without finance is a nuisance.” And whether youre just married, just moving in, or just starting out, you know that making romance and finance work can be a frustrating and confusing experience. Navigating the mess is critical because financial problems can strain some relationships to the breaking point, says author Nick Chiles. The South Orange, N.J., resident has written a series of relationship books with his wife, Denene Millner, including What Brothers Think, What Sistahs Know About Sex: The Real Deal on Passion, Loving and Intimacy. “When we start thinking about spending the rest of our lives with someone, security becomes the prominent necessity. For both sexes, when we think about loving someone, we think about what our lives will be like with this person,” says Chiles, an award-winning journalist who has a psychology degree from Yale University. “So money pops up pretty immediately.”

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Week of July 19-25 PGA Tour: John Deere Cl., Oakwood C.C., Coal Valley, Ill. (TGC/CBS) LPGA: Giant Eagle Cl., Avalon Lakes, Warren, Ohio (ESPN2) Senior: Coldwell Banker Burnet Cl., Bunker Hills G.C., Coon Rapids,
Week of June 14-20 PGA Tour: U.S. Open, Pinehurst (N.C.) Resort C.C. (ESPN/NBC) LPGA: ShopRite Cl., Marriott Seaview, Atlantic City, N.J. (ESPN2) Senior: Southwestern Bell Dominion, Dominion C.C., San Antonio
Upcoming pro and major amateur events PGA Tour: Nissan Open, Riveria C.C., Pacific Palisades, Calif.

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Higdon Furniture offers the industry a variety of guestroom furniture styles from which to choose. The furniture has the look of luxury at a practical price. Headboards, credenzas, nightstands, desks, chairs, armoires, sofas and tables are available, directly delivered on the companys trucks. Circle 326
The PK31 chair and sofa series combines elegant luxury with comfort. The series is designed by Poul Kjaerholm; it is upholstered in leather and supported by a matt-chromed steel frame.

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STANTON, Calif.–(BUSINESS WIRE)–April 10, 1996–Strengthening its presence in the motorcycle aftermarket, Boyds Wheels Inc. (Nasdaq: BYDS) today announced that Custom Chrome (Nasdaq: CSTM), the nations largest independent supplier of aftermarket parts for Harley-Davidson motorcycles, has ordered a complete line of Boyds billet aluminum motorcycle accessories.The single $130,000 product order exceeds by 30% total sales of the new product line in 1995.Earlier this year, the company announced that it expanded its line of billet motorcycle products to meet growing demand for aftermarket accessories. The product line includes swing arms, cam covers, brake rotors and four other billet products. Boyds Wheels also designs and manufactures a complete line of motorcycle wheels.
Business Editors Rare Medium worked with Competition Accessories to translate its reputation for personalization and hands-on service directly to the Web. The Web site allows users to select individual riding style preferences during registration, such as dirtbike, sportbike, ATV, touring and cruiser, affording them easy and customized navigation throughout the site and access to instant updates on specials from the online store. Upon selecting an individual riding style, custom themes or skins depicting each style are automatically generated to offer the user an additional touch of personalization. Watercraft and snowmobile riding style skins will be added to the site in the near future.
Business/Media/Fashion Entertainment Editors WOODCLIFF LAKE, N.J.–(BUSINESS WIRE)–May 9, 2002 How about a Swarovski crystal BMW cruiser to go with that evening dress? Or a sporty F 650 CS to accent that denim jacket?

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SAN FRANCISCO — Delta Dental of Californias childrens dental health web site, SmileKids, is one of the winners of the 2008 American Inhouse Design Awards. The awards are sponsored by Graphic Design USA magazine and honor in-house design, marketing and communications departments for their contributions to their businesses and institutions. SmileKids was one of 500 winners out of more than 5,000 entries. Delta Dental President and Chief Executive Officer Gary D. Radine said the organization will continue to promote SmileKids given the millions of young enrollees with Delta Dental coverage.
Business Editors/Health/Medical Writers Largest nonprofit provider of dental care to low-income individuals in North Texas celebrates National Childrens Dental Health Month with free screenings and low-cost treatments for local schoolchildren Community Dental Care is launching its new name and brand during a very special month - National Childrens Dental Health Month. In celebration of this month, and the organizations 40 years of service to the regions low-income children and adults, Community Dental Care recently screened and is providing low-cost treatments for students at Meadows Elementary in Plano. This is the most recent example of how the organization works with local school districts to treat children in need.
“From the beginning, Delta Dental has tried to get the message across that good oral health is an important part of overall health,” said Seitz. “Our goal has always been to improve oral health by making dental care more affordable to people throughout the state.” To help make his point about oral health and its importance, Seitz refers to statistics from the National Institute of Dental Research, which reveals that $1 spent on dental care now saves $4 in treatment costs later in an individuals life. Seitz also refers to research conducted by the U.S. Public Health Service which shows that dental and oral diseases that could have been prevented with proper dental care affect more than 50 percent of children in the U.S. The latter, he says, results in, among other things, missed school days–117,000 per 100,000 children, according to the Journal of Public Health. “Dental disease can keep a child from going to school and an adult away from work–just like other ailments have the potential to do,” said Seitz.

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Tooth decay is one of the most common chronic childhood conditions. More than 1 in 4 preschool-age children have experienced tooth decay, a significant increase during the past decade, according to the latest study by the Centers for Disease Control and Prevention. The study showed that preschool-age children, ages 2 to 5, have the lowest rates of dental care of all age groups in the nation, and they miss out on an important time for effective dental prevention. African-American children in low-income communities are at a higher risk of untreated tooth decay due to issues of poverty and access to quality dental treatment. Poor oral health and untreated oral diseases can have a significant impact on the quality of life. It may also result in diminished growth, eating and speaking dysfunction, low self-esteem and negative behaviors that interfere with learning and family life.
“From the beginning, Delta Dental has tried to get the message across that good oral health is an important part of overall health,” said Seitz. “Our goal has always been to improve oral health by making dental care more affordable to people throughout the state.” To help make his point about oral health and its importance, Seitz refers to statistics from the National Institute of Dental Research, which reveals that $1 spent on dental care now saves $4 in treatment costs later in an individuals life. Seitz also refers to research conducted by the U.S. Public Health Service which shows that dental and oral diseases that could have been prevented with proper dental care affect more than 50 percent of children in the U.S. The latter, he says, results in, among other things, missed school days–117,000 per 100,000 children, according to the Journal of Public Health. “Dental disease can keep a child from going to school and an adult away from work–just like other ailments have the potential to do,” said Seitz.
“From the beginning, Delta Dental has tried to get the message across that good oral health is an important part of overall health,” said Seitz. “Our goal has always been to improve oral health by making dental care more affordable to people throughout the state.” To help make his point about oral health and its importance, Seitz refers to statistics from the National Institute of Dental Research, which reveals that $1 spent on dental care now saves $4 in treatment costs later in an individuals life. Seitz also refers to research conducted by the U.S. Public Health Service which shows that dental and oral diseases that could have been prevented with proper dental care affect more than 50 percent of children in the U.S. The latter, he says, results in, among other things, missed school days–117,000 per 100,000 children, according to the Journal of Public Health. “Dental disease can keep a child from going to school and an adult away from work–just like other ailments have the potential to do,” said Seitz.

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Attorney Liability In Bankruptcy
But a Maryland bankruptcy attorney said it is too soon to know the true effects of the law, especially with the surge of filings before the change.I think you need more experience before you start taking shots and drawing conclusions, said Lawrence D. Koppel of Gordon, Feinblatt Rothman, Hoffberger Hollander LLC in Baltimore.The federal law, which went into effect in October, aimed to reduce abuse of the bankruptcy system by those who could have paid their debts. Under the measure, consumers must get credit counseling before filing for bankruptcy and have their ability to pay debts investigated.Backers of the study said they wanted to counter the notion that the law was working. Anecdotally, they acknowledged, the number of bankruptcy filings had dropped, though official case counts since the change are not yet available from the Administrative Office of the U.S. Courts. But researchers attributed the decrease to a surge in filings before the deadline last year and a growing notion among consumers that bankruptcy is no longer an option.The report looked at 61,355 consumers who had visited six credit-counseling firms since the law went into effect. The firms reported that 97 percent of those clients were unable to repay any of their debts, and that four out of five would-be filers found themselves in troubled financial circumstances because of events beyond their control.Study backers also said they wanted to dispel the idea that filers were merely deadbeats living beyond their means. One East Coast credit counselor said consumers seeking pre- bankruptcy counseling at her firm included an elderly Midwestern woman who had moved into her kitchen because she couldnt pay the heating bill, and a Florida single mother and four sons, including one with cancer These are real people. For most of them, they are at their worst financial condition in their lives, said Leslie E. Linfield, executive director of the Institute for Financial Literacy, a nonprofit credit counseling business based in Portland, Maine.The law change, which added work for bankruptcy attorneys, has driven up legal fees by 50 percent, the group said. Consumers also face new costs from the mandatory education courses. Credit- counseling courses needed before filing cost an average of $50. A second financial education course required before exiting bankruptcy can cost another $25 to $50, study backers said.They have done nothing more than put more hurdles in the path of those who are already on their back, said Brad Botes, executive director of the National Association of Consumer Bankruptcy Attorneys, during a conference call. Botes predicted the number of filings would soon return to the levels seen before the change.Congress got bankruptcy reform wrong. Dead wrong, he added.
What difference does a year make? Ask a bankruptcy attorney. A year after the implementation of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, bankruptcy filings are still significantly off from what they were before the new law took effect last October. “I can tell you I didnt see any clients between October 17 and the end of last year,” said Baltimore lawyer Mark F. Scurti, who handles Chapter 7 and 13 bankruptcy cases.

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The Crystal Geyser Water Co. is totally excited about its newest and gnarliest beverage line, California Max, a non-carbonated fruit drink with no preservatives.This is a totally new concept for us, reported Kevin McClanahan, vice president of marketing for Crystal Geyser. Weve bottled a wild collection of fun flavors in single-serving 16-oz. bottles for the customer who wants a wallop of flavor in an exciting package.Initial distribution for California Max, which has a label that resembles a California vanity license plate, is targeted at California delicatessens and convenience stores. Anywhere we find people out and about, on the go, ready for fun, McClanahan said.
Note: All these geysers are in Upper Geyser Basin, except Great Fountain Geyser, which is on Firehole Lake Drive. The information below is from “A Field Guide to Yellowstones Geysers, Hot Springs and Fumaroles” by Carl Schrier. Interval: 30-120 minutes (the length of the eruption determines when the next one will be; a longer eruption indicates a longer interval)

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Business Editors/Lifestyle Writers SCOTTSDALE, Ariz.–(BUSINESS WIRE)–April 5, 2002 The WORLDS FINEST RESORTS — COLLECTION includes a limited selection of some of the most luxurious resorts in the worlds most desirable destinations. The Collection provides Worlds Finest members with an exclusive array of services and benefits appropriate for a guest at a private members club. Through membership in The WORLDS FINEST RESORTS, owners and developers of luxury fractional projects, wholly owned condominium/villas and exclusive timeshares; are able to add the value of a private members club, which among other benefits, provides access to similar luxury accommodations, amenities and services throughout the world.
Business Editors/Travel Writers LAS CROABAS, Puerto Rico–(BUSINESS WIRE)–April 30, 2003 The new facilities, which will be built on seven acres of land next to the existing resort, are a joint venture between Wyndham International and The Interlink Group, a Puerto Rican-based real estate development company. Interlink was the development partner for the first phase of Las Casitas Village, which opened in 1994.

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DentistBUSINESS PLAN#x00A0;#x00A0;#x00A0;#x00A0;#x00A0;STANLEY M. KRAMER, DDS, LLC The goal of this business is to provide high quality general dentistry with a moderate to high price using the highest technology possible. Prices will be justified by the advanced technology used and the lifestyle conveniences that the dental practice will offer. The dental practice will be positioned as a place one can get high quality dental work in an environment of convenience and technology.
The crisis in NHS dentistry is set to continue as the Government yesterday announced reform plans that will further curtail dentists clinical freedom and threaten their income. Gerald Malone, Minister for Health, said that the “prior approval” scheme, under which dentists must seek permission for certain expensive or complex treatments, is to be extended and made “more rigorous”. Dentists leaders, said they were “disappointed” with the proposals. They claimed that Mr Malone had missed an opportunity to resolve the three- year dispute with the profession which has seen thousands of dentists leave the NHS or turn away new patients. Nearly a million adults and children have been deregistered by their dentists in the past four years.

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Higdon Furniture offers the industry a variety of guestroom furniture styles from which to choose. The furniture has the look of luxury at a practical price. Headboards, credenzas, nightstands, desks, chairs, armoires, sofas and tables are available, directly delivered on the companys trucks. Circle 326
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IFBB pro FRANK ROBERSON marches to his own drum, and its a peculiar yet joyous beat. His unique training methods include such peculiarities as a hamstring routine of running bleachers with 40 pounds strapped to his back, and his demeanor backstage and onstage is singularly jubilant among the carb-depleted zombies. Likewise, his contest prep includes some true oddities, such as these. * In the hotel before a show, Roberson continues to dry out by posing under a lamp and with two hair dryers aimed at him. Stating the obvious: Roberson has no hair to dry. * Backstage, Roberson always wears slippers, not only to keep his feet clean but also because he believes a persons skin touching a cold floor can reduce blood flow and thus lessen vascularity. For the same reason, when pumping up, he puts a towel over any cold surface he touches.
BRIGADIER GENERAL PAUL L. ROBERSON Brigadier General Paul L. Roberson is vice commander, Electronic Security Command, with headquarters at Kelly Air Force Base, Texas.

Mary Roberson