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Before begging your reluctant banker for a loan, consider an option that keeps many small businesses afloat: leasing. According to the U.S. Department of Commerce, 80 percent of all U.S. companies lease all or some of their equipment. Most established businesses prefer leasing to avoid technical obsolescence without overspending. According to the Equipment Leasing Association of America (ELA), 77 percent of all leased high-tech equipment in the computer industry is either replaced or upgraded within 24 months.Greg Loeschke of Farm Credit Leasing in Minneapolis advises customers not to confuse loans with leases. A loan requires a [company] to invest a down payment in the equipment, or a first-and-last payment, and to finance the remaining amount, whereas a lease requires no down payment and finances only the value of the equipment expected to be depleted during the lease term, he says. Securing a loan usually requires the borrower to pledge other assets for collateral, while collateral is usually not needed to secure a lease.
Among the market studies key objectives, the report measures and characterizes the U.S. construction and agricultural equipment leasing market, identifies the trends affecting lease financing penetration in each market, evaluates the leasing practices and needs to customers and equipment vendors, and projects the U.S. construction and agricultural equipment leasing markets through 2005. For more information, contact Suzanne Jackson at 434-972-7278, sj@FourLeafPR.com.
Equipment leasing was a $22 billion industry last year — and New Mexico businesses and government agencies were right in the middle of the pack to look for the loopholes to save money through leases instead of outright purchases.Leasing isnt the answer to all the worlds problems, says Warren Rowe, an Albuquerque lease broker doing business as Active Leasing, but in general, it makes sense to buy things that appreciate and lease things that depreciate.We get paid for our work, of course, but its usually paid by the leasing company, he says. They take it out of their fee. Its like using a travel agent.

Equipment Leasing

The so-called hard money lenders-mortgage lenders who for a price will finance real estate properties that dont meet the specifications of prime lenders have gone mainstream in a way that was virtually unthinkable only a year ago, say executives at Pergolis Swartz Associates. Hard money lenders played a key role last fall when borrowers lost their commitments from Wall Street and needed quick money to rescue their deals. In numerous cases, these hard money lenders stepped into the breach and saved the day. Hard money lenders also have been instrumental in bringing a class of properties to market that prime lenders avoid. Thanks to their financing, millions of square feet of renovated problem properties have been put back into productive use and economic viability. The hard money lenders have become almost institutional at this point, said Jerry Swartz, a principal of Pergolis Swartz Associates. There are so many viable deals our there today that just dont meet the criteria of the prime lenders or the Wall Street conduits, that the hard money lenders have become an extremely important part of the mortgage financing scene.
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.

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It provides dynamic, accurate forecasts of market demand and price pressures - with full explanation of assumptions made - every 3 months in 7 sectors (Clothing Footwear, DIY Gardening, Electricals, Furniture Floorcoverings, Food grocery, Health Beauty and Homewares) with sub category coverage and as a composite forecast.
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“If people have greasy hair or bad skin, they often take it for granted that that is how things are,” she says. “But theres no reason why you shouldnt look great: how you look on the outside relates to what you put in.” This concept may not be exactly revolutionary, but if most of us examined how we approach food in practice, Stewart believes, we would soon change our minds. Take the “spare tyre” stomach phenomenon, for instance. A genetic disposition towards fat settling in this area can make it difficult to lose, and when weight loss seems impossible, many people resign themselves to their fate. But this doesnt have to be the case, argues Stewart. Her book points to the fact that low oestrogen levels can be associated with this particular problem, and as a result it seems that certain food types can actually help to shift the bulk. Along with exercise (of course), Stewart suggests that sufferers top up on phytoestrogens, a type of oestrogen that mainly occurs in pulses, linseeds, and other plant food. Stewart also has plenty of suggestions for skin problems. People who suffer from eczema, for instance, can expect an improvement if they reduce their exposure to house dust mites, and replenish supplies of vitamin B, zinc and fatty acids, all of which can have an affect on the quality of skin. A couple of months of this, says Stewart, along with a boost of evening primrose oil, should reap its rewards.

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resuscitation equipment in its first-aid room after five members suffered heart attacks on the course - three of them fatal. Greenkeepers and bar staff are being trained to use the portable defibrillator machine.
Fire Safety Equipment of Rockford, Ill., has released its first full-color catalog. This 184-page catalog features a full line of personal protection equipment, including gloves, eyewear, respirators, earplugs and much more. Along with first aid supplies and emergency response products, the company offers an expanded section of fire safety equipment. There are over 10,000 products available.
The Health and Safety Executive (HSE) has revised their `Basic advice on first aid at work, which will now be available in both leaflet and poster formats in line with the latest recommendations on first aid practice from the Resuscitation Council (UK). The revised guidance will help first aiders in minimising the consequence of injury and illness of people in the workplace until expert help can be obtained. The information not only covers how to resuscitate a casualty, but how to deal with severe bleeding and treatment of broken bones, burns and eye injuries. The electric shock poster also advises on breaking the contact between an electrical source and a casualty, making the area safe before administering first aid.

First Aid Equipment

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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On September 10, by a vote of 322 to 90, the House passed a bill (HR 2863) to eliminate strict liability for hunters who shoot migratory birds over baited fields if the hunter did not know that the field was baited. Prosecution could still occur if a hunter knew or should have known about the baiting. The bill amends the Migratory Bird Treaty Act passed in 1918, which was originally written to minimize the harvest of migratory birds by restricting hunting in baited areas. He pointed out that under existing regulations, a hunter could be arrested for just possessing a loaded firearm near a field where someone else had scattered corn. If convicted, he could face a fine of up to $5,000 and six months in prison.
By Bill Blankenship MANHATTAN - The BirdHouse Acoustic Music Series is ready to gather another flock of fans of folk music. The series at the Manhattan Arts Center resumes next Saturday with its fall lineup of performances in the centers Grosh Performance Hall. Here are the four booked shows, all of which will begin at 8 p.m.

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FORT LAUDERDALE, Fla.–(BUSINESS WIRE)–June 29, 1999– Nova Southeastern Universitys community dentistry mission is poised to expand into Palm Beach County, as the College of Dental Medicine has recently finalized affiliation agreements to provide dental care to medically underserved rural patients and to bring dental education to the Caridad Health Clinic in Boynton Beach. Operated by the Migrant Association of South Florida, the Caridad Health Clinic opened in 1992 to provide medical and dental care to migrant farmworkers, their children and families. Project: Dentists Care has been an integral part of the Caridad Clinic since its inception.
In July 1993, a pretested questionnaire and a letter describing the purpose of the study were mailed to all dentists employed by IHS (n=389) and FBoP (n=120). IHS dentists provide clinical services in 200 dental clinics in IHS/tribal hospitals or ambulatory health centers in 33 states. Within the FBoP, inmates receive dental treatment at 107 dental clinics. Of the 509 dentists who were mailed the questionnaire, 489 (96% [372 IHS and 117 FBoP]) responded. Of the 489, 194 (40%) dentists had practiced clinical dentistry in the IHS or FBoP for lt;3 years; 183 (37%), 3-9 years; and 112 (23%), [equal to or greater than] 10 years. The mean years of clinical practice were similar for dentists in both groups (5.9 years for IHS and 5,6 years for FBoP dentists; p=0.7, two-tailed t-test); 438 (90%) reported that they were practicing clinical dentistry at the time of the survey (87% IHS and 97% FBoP), and the remainder were in nonclinical positions. Almost all (474 [97%]) respondents reported ever having received a TST (365 [98%] IHS and 109 [93%] FBoP); 92% of those tested reported always having a negative test result (Table 1). Of 36 dentists who reported ever having a reactive TST, 17 (47%) reported the first reactive TST occurred after graduation from dental school. Of these 17 dentists, 14 (11 IHS and three FBoP) reported converting from a negative TST to a reactive TST.
SACRAMENTO, Calif.–(BW HealthWire)–June 2, 1999– Number of Women Practicing Dentistry More Than Doubled in 10 Years In a first of its kind survey of more than 100 California women dentists, women professionals cite the biggest oral health problem for women is the onset of periodontal disease, or gum disease, which can strike them at different times than men, due to pregnancy and hormonal changes, particularly during menopause.

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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.
Terry Simnitt Terry Simnitt has joined Coldwell Banker Griffith Blair, Realtors. He will be active in real estate auction and residential sales with his wife, Ruth, who also is an associate at Coldwell Banker Griffith Blair.
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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RIVAs first equity investment is Douglas Grand, a 240-unit apartment community that will be built in Sarasota, Florida. The property consists of ten three-story buildings and a clubhouse and contains a total of 266,376 rentable square feet. The development is situated on an 18.5 acre site. Construction of Douglas Grand commenced in October, 2004, with the delivery of the first units for occupancy scheduled for July 2005. Douglas Partners is the developer and Bank of America is providing the construction loan. Douglas Partners is a Florida-based multi-family development and construction firm with offices in Orlando and Ft. Lauderdale, specializing in both rental and for-sale multi-family and mixed-use developments. The principals of Douglas Partners worked together for fifteen years at a large national multi-family development company and completed more than 8,500 units. The principals are Douglas Hoeksema, Robert Gaherty and Donald Klusmeier. Bank of America is one of the worlds largest banks with total assets of $1 trillion and more than 5,700 locations in 35 countries and territories. The Tampa office of Bank of America originated the construction loan.
Identifying an opportunity to broaden their platform for European luxury real estate, the prestigious European Real Estate Network (EREN) has created a strategic alliance with two American real estate firms: one of the largest residential and most well-known firms in New York City, Halstead Property, LLC and Michael Saunders Company[R], headquartered in Sarasota, Florida. We are continuously looking for opportunities to improve our global reach. While attending the Luxury Portfolio Fine Property Collection International Symposium recently in Spain, we recognized a synergy between our companies and markets and those of the coveted group, EREN, said Diane Ramirez, president of Halstead Property. By working closely with EREN and Michael Saunders Company[R], we are better able to target the European market which will have a tremendous impact on the luxury real estate market. This shows our true dedication to providing the highest level of services internationally as evidenced by our active participation in global affiliations like Luxury Portfolio and Leading Real Estate Companies of the World.

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From the Editors Desk Wayne Hanway, executive director of the Southeastern Public Library System of Oklahoma, writes: “Your articles and editorial comment about gifts from Wal-Mart and Sams Club in the November LAD have me thinking that you really should come out and visit us sometime.
–(St.) Lou Ella Hickman Corpus Christi, Texas

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SALT LAKE CITY–(BUSINESS WIRE)–Dec. 21, 1998– CARS(TM) Software Database Helps Audio Retailers and Insurance Companies Determine Accurate Car Audio Equipment Replacement for
DUBLIN, Ireland — Research and Market has announced the addition of China Car Audio Industry, 2005 to their offering. China has become the worlds car audio manufacturing center 80 percent of the world-class car audio companies have established factories in China and 60 percent of the worlds car audio products are made in China. By 2010, the production and sales volume in Chinas automobile market will reach 10 million and will become the second largest auto production and consumption country following the US, exceeding Germany and Japan, which will further consolidate Chinas position as the car audio manufacturing center.

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NEW YORK — The Western Asset and LMP branded closed-end funds that are identified by ticker at the end of this release, today announced the replay of a conference call originally held on Tuesday, July 17, 2007 at 4:15 pm Eastern Time to discuss the fixed income and equity markets in which the Funds invest. During this call, Western Asset Managements Chief Investment Officer, Kenneth Leech, addresses the fixed-income markets. In addition, senior portfolio manager Robert Gendelman of ClearBridge Advisors updates his views on the equity markets and the Fund he manages, LMP Capital and Income (NYSE: SCD). The replay will be available until August 26, 2007; no pass code is necessary to access the replay.
NEW YORK — The Western Asset and LMP branded closed-end funds that are identified by ticker at the end of this release, today announced that they will hold a conference call on Tuesday, July 17, 2007 at 4:15 pm Eastern Time to discuss the fixed income and equity markets in which the funds invest. During this call, Western Asset Managements Chief Investment Officer, Kenneth Leech, will address the fixed-income markets. In addition, senior portfolio manager Robert Gendelman of ClearBridge Advisors will update his views on the equity markets and the fund he manages, LMP Capital and Income (SCD). A replay of the call will be made available, and call-in instructions will be provided at a future date by press release. Investment advisory and sub-advisory services are provided by subsidiaries of Legg Mason, Inc., including: Western Asset Management Company, Legg Mason Partners Fund Advisor, LLC; Western Asset Management Company Limited and ClearBridge Advisors, LLC. Except that: LMP Real Estate Income Fund, Inc. is sub-advised by AEW Management and Advisors L.P., an affiliate of AEW Capital Management, L.P. and LMP Corporate Loan Fund, Inc. is sub-advised by Citigroup Alternative Investments LLC, an indirect wholly-owned subsidiary of Citigroup Inc.
Mr. Gendelman recently joined ClearBridge Advisors, a unit of Legg Mason, Inc., as a portfolio manager and Managing Director. ClearBridge Advisors is the U.S. equity group created from the former Citigroup Asset Management, and its advisory services are currently provided by CAM North America, LLC (CAM N.A.), Salomon Brothers Asset Management Inc (SBAM) and other affiliated advisory entities. Mr. Gendelman joins the unit from Cobble Creek Partners, LLC, a long-short hedge fund based in Greenwich, Connecticut, where he was a senior portfolio manager from 2003 to 2006. Prior to that, he spent 9 years at Neuberger Berman, where he was a general partner and portfolio manager. He previously was a general partner at Harpel Advisors, L.P., founded and managed Great Lakes Capital L.P. from 1987 to 1993, and began his career as an analyst focusing on merger arbitrage, restructurings and special situations. He succeeds Mark McAllister who was a portfolio manager of the Fund since its inception in February of 2004. Mr. McAllister will focus his portfolio management activities on the Salomon Brothers Investors Value Fund Inc, as well as the firms other large cap value products. Additionally, effective August 1, 2006, Legg Mason Partners Fund Advisor, LLC (LMPFA), an affiliate of the Funds current investment adviser, SBAM, will assume management responsibilities for the Fund as a result of a reorganization of Legg Masons investment advisory subsidiaries. Following the purchase of substantially all of Citigroups asset management business in December 2005, Legg Mason undertook an internal reorganization to consolidate the advisory services provided to the legacy Citigroup funds through a more limited number of advisers, focusing on the advisers strengths. As part of this reorganization, at a meeting held in June 2006, the Board of the Fund approved a new management agreement with LMPFA, under which LMPFA will act as the investment adviser for the Fund. LMPFA, with offices at 100 Light Street, Baltimore, Maryland 21202, is a newly-organized investment adviser that has been formed to serve as the investment adviser of the Fund and other Legg Mason-sponsored funds.

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In todays world, weight control seems to be a central part of American living. As millions aim to achieve that perfect weight, individuals are more calorie conscious, trying to eliminate any unnecessary or fattening dietary components. While experts caution about alcohol abuse, binge drinking and excess calories, they also emphasize that alcohol calories may not count as long as one practices a moderate behavior. This issue was also a central part of the recent Dietary Guidelines Committee discussions, as U.S. dietary advice needs to address the increasing obesity issue. In fact, the increased research interest in how alcohol may affect body weight stems in large part from the ever-growing public health concern over dietary constituents that may underlie the obesity epidemic. Indeed, public health leaders have cautioned that the development of obesity is a serious health problem leading to diseases such as coronary heart disease and diabetes.
Rite Aids Rite Weigh Challenge Will Help You Get Back In Your Skinny Jeans Just Ten Weeks After Your New Years Toast (and Resolution) Rite Aid, through its partnership with Lindora, Americas leading medical weight control program, to challenge America to lose weight and become healthier. Through a medically-based program, Lindora has been safely helping people lose weight rapidly and regain hope for over 35 years. With Lindoras expertise, Rite Aid has developed a 10-week program that provides the tools and motivation needed to lose 10% of your body weight and make major improvements in your health. Earlier this year Rite Aid announced a partnership with Lindora to open in Orange County, CA the first in-store health care clinics that also offer medically supervised treatment for weight. Lindora opened their first health care clinic in a Rite Aid store in Costa Mesa, CA on October 2, 2006, and two more are scheduled to open in Newport Beach and Laguna Nigel, CA in February 2007. Over the past 20 years, obesity in the United States has increased dramatically by an astonishing 36 percent, said Mark de Bruin, Rite Aids senior executive vice president of pharmacy. With parties, get-togethers, meals and events, its no secret that everyone indulges a little bit more over the holidays. At Rite Aid we are committed to offering programs to help people live healthier lives and are offering a free program to help lose unwanted pounds after the holidays. With our specially trained pharmacists, our unique partnership with Lindora, and the Rite Weigh Challenge, we can offer an easy and safe way for people to reach post-holiday weight loss goals.
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Perfect Weight America Program

Recent estimates suggest that US$500 billion to US$1 trillion is laundered worldwide annually by drug dealers, arms traffickers and other criminals. Banks act as the gatekeepers for the legitimate financial system and it is only through their vigilance that the system can be protected from providing organised criminals or terrorists with a mechanism for concealing the proceeds of illicit and corrupt activity. As such, they play a crucial role in the prevention, detection, and reporting of money laundering. * Spending up by 61% over the last three years * Transaction monitoring and training main drivers of increased cost
THE big four banks lag far behind their Internet competition in service and value for money, say their customers. More than half think the big four - Natwest, Lloyds TSB, HSBC and Barclays - run accounts for their own advantage and almost half think the banks make excessive profits. Independent market researchers Taylor Nelson Sofres found that just under half those surveyed feel that the banks rip them off.

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M2 BEST BOOKS-(C)2000-2003 M2 COMMUNICATIONS LTD The Art of Handmade Tile was a pleasant surprise and it made me want to run out and buy the supplies needed to make my own tiles. I have always been interested in crafts and creating things with my hands, but I have never tried to work with clay and never thought of the possibility of making tiles. This book changed that. Now I fret over not having a kiln, which is probably the largest problem.
Another passion was pottery, particularly redwares made in eastern Pennsylvania in the eighteenth and nineteenth centuries. Mercer was concerned that these handmade objects also might disappear in favor of modern table-wares. This prompted him to establish the Moravian Pottery and Tile Works in 1898, which even at the height of production had only sixteen employees. While molds were used to fashion the tiles, each was decorated by hand, ensuring that no two tiles would be identical–the hallmark of handcraftsmanship. The sources for the decorations were prints, stove plates, and antique tiles in private and museum collections, among them the British Museum in London, the National Germanic Museum in Nuremberg, the Alhambra in Granada, Spain, and the Basilica of Saint Apollinaris in Ravenna, Italy. Mercer founded the pottery at an auspicious moment for the use of tiles in domestic and civic architecture had enjoyed a revival beginning in the 1880s when they were used on floors, walls, and ceilings. Those made at the Moravian Pottery were offered in a wide variety of styles and types of decoration, or they could be purchased blank. In 1904 the pottery was awarded the grand prize at the Saint Louis Exposition, and Mercers tiles could be found in places as diverse as Graumans Chinese Theater in Los Angeles, the Isabella Stewart Gardner Museum, and the Museum of Fine Arts, Boston. The original pottery burned in 1910 and was replaced by a new one constructed of reinforced concrete, which was in operation in 1912. At Mercers death in 1930 the pottery was inherited by Frank King Swain, who had long been its manager and Mercers assistant in all of his collecting endeavors. There were several subsequent owners until the pottery ceased production in the mid-1950s. Today, the pottery is on the National Register of Historic Places and is back in operation, administrated by the Bucks County Department of Parks and Recreation as a working history museum.

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Dr. William H. Dallas, who retired from Western States Chiropractic College in June after 17 years as president, was presented with an honorary doctorate degree from the college during graduation ceremonies for the class of 2003.During his presidency, Dr. Dallas, a strong supporter of research, spearheaded administrative and financial support that resulted in Western States becoming the first chiropractic college to receive a federally funded research grant through the Health Resources and Services Administration (HRSA), a division of the U.S. Department of Health and Human Services. Other accomplishments during his tenure included the colleges establishment and publication of Conservative Care Pathways and Protocols for chiropractic procedures, and the construction of Hampton Hall, a state-of-the-art lecture hall designed to enhance student learning.
PORTLAND, Oregon - William Dallas,DC, president of Western States Chiropractic College (WSCC) since 1986, has informed the schools board of trustees that he will not renew his contract at the end of the colleges fiscal year, June 30, 2003. His emphasis on research has extended to making the chiropractic curriculum more evidencebased.

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Teeth Whiteners Outlook Bright “It is a category that seems to have come from nowhere,” reported one Kmart buyer. Indeed, tooth whiteners and polishers - oral cosmetics - are suddenly appearing at full-line discounters and discount drug stores in new configurations.
Dazzling white teeth have become as important to the celebrity look as a wrinkle-free forehead and designer sunglasses. So it is perhaps inevitable that the modern imperative to flash the faultless “Hollywood smile”, associated with such luminaries as Tom Cruise, is fuelling a boom in teeth-whitening products. Whitening products were the driving factor behind this growth, according to the report. Overall sales of toothbrushes, toothpaste and other oral hygiene products grew by 5.5 per cent to pounds 616m between 2001 and 2005. Toothpaste made up about half that amount at pounds 305m, while toothbrushes accounted for 24 per cent of it. Although toothbrush sales dipped by 4 per cent over the four year period, mouthwash sales rose by 16 per cent to reach pounds 86m. Mintel expects dental floss, gum and whitening products will continue to see the fastest sales growth of the entire sector. Sales of these goods will rise by a predicted 86 per cent to pounds 69m by 2010, its report says. Mintels senior market analyst, David Bird, said: “The UK oral hygiene market has evolved into a whole new beauty sector.

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Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
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.
- 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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Aug 13, 2007 Apple Vacations Shares Trade Show Dates Apple Vacations has announced the dates of its annual travel agent trade shows and seminars that take place across the country. Aug 10, 2007 New Orleans CVB Debuts New Traveler Web Site. The New Orleans Metropolitan Convention Visitors Bureau recently launched a customizable web site, 24NOLA, for travelers and agents to plan itineraries to the Big Easy. Aug 9, 2007
Connected to Legoland by a direct pedestrian walkway and across the street from the City of Carlsbad championship golf course which also opens in 2007, Grand Pacific MarBrisa owners will not have far to go for fun. Its 41 hillside acres will provide a panorama of Carlsbads beautiful coastal and canyon views enhanced by the beauty of the resorts own lush landscaped grounds and the convenience of a fitness center, family pools including an adventure pool with water play equipment for children, tennis courts and basketball court. An on-site health spa and 3,000 square-foot restaurant will also be available for owners and general public to use. Carlsbad is a great location for a new resort because of the popular attractions and world famous beaches, says Co-President David Brown of Grand Pacific Resorts, Inc., owners and developers of Grand Pacific MarBrisa Resort. Owners of Grand Pacific MarBrisa Resort will become Members in Hilton Grand Vacations Club and benefit from an exclusive collection of privileges. Club membership is highlighted by access to a superb collection of affiliated resorts worldwide; travel benefits through the award-winning Hilton HHonors([R]) program; access to more than 2,800 Hilton Family hotels; and vacation advantages with affiliated partners offering spectacular cruise, motorcycle, RV, houseboat and adventure travel excursions.

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Whitefish Bay For more than 50 years, Helen VerBurgs hands have crafted gifts of nature into elegant artwork. She has transformed ostrich eggs into Victorian jewelry boxes, emu eggs into elaborate wedding cake toppers and even minuscule finch eggs into exquisite objets darte. Although a stroke has slowed this active 89-year-old woman, she has handed down her love for the ancient artistry of Faberge-style eggs to her 29-year-old granddaughter, Bernadette VerBurg.
At 9am each morning, Jenny Syer logs on to her computer from the premises of her novelty gift shop Click-T-Click in Norwich. This is the most exciting point of the day, the moment when she finds out how many people are bidding for the items she is offering on eBay. It is a typical eBay transaction. The founders of the company, which celebrates its tenth birthday in San Jose next week, believes in free trade and the open market. Everything has a price ” it is just a question of finding the right buyer out there. This sentiment is not shared by Bob Geldof who reacted with characteristic passion on Tuesday after learning that 400 tickets to his Live8 concert were being touted for profit on eBay. Blasting the company as an electronic pimp, he called for consumers to boycott or sabotage the site. eBay initially stuck to its free-market guns. By dinner time, however, it was forced to withdraw the tickets for sale.
RENELLIE INC. introduces the worlds first interracial wedding cake topper. Hand-crafted, interchangeable bride and groom figurines are available in Asian, Black, Latino and Caucasian ethnicities. [ILLUSTRATION OMITTED]

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Children dont come with instructions. But parents might long for some when a health problem arises. A free forum designed to make parents health-wiser by providing care tips and strategies is planned 11 a.m.-1 p.m. Jan. 19 at the Pikes Peak East Library, 5550 N. Union Blvd. Lunch will be provided to those who R.S.V.P. by Monday. The forum is hosted by Resources for Young Children and Families Inc. To R.S.V.P. or for more information, call Robin Mitchell at 577-9190.
The things some people will do for a white Christmas.

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IRVING, Texas — etalk(R), a leading provider of quality monitoring software and services, will welcome Catherine Stellin, vice president of Marketing and Trends at Youth Intelligence, and Paul Olivier, group executive vice president for Texas-based Frost Bank, as keynote speakers for Impact05, the companys 11th annual customer conference. Catherine Stellin opens the conference sessions on today with a presentation on Echo Boomers: Your Next Customer Generation. Youth Intelligence is the premier research and trend analysis service for the youth market, and Ms. Stellin will be talking to Impact participants about the generation of call center customers and employees now coming of age. A noted authority on youth culture, Ms. Stellin helps companies better understand young people and use that knowledge to target their product development and service offerings, as well as advertising, marketing, and promotions. Kicking off the final day of sessions, Paul Olivier will talk on April 26 about Managing for the Difference: Meeting Corporate Strategy and Building your Brand through Customer Service. Mr. Olivier, a 29-year banking veteran, oversees all Frost Banks consumer banking operations, including customer service and call center support. Frost Bank maintains a reputation for building genuine one-on-one relationships with customers, and a key focus area for Mr. Olivier over the past few years has been a major redesign of the banks new financial centers, making bank services more accessible and customer-friendly.
Youth ministers can learn something by understanding why geese fly in formation, a keynote speaker told participants at the National Conference on Catholic Youth Ministry in Denver Dec. 5-8. “Geese know how to work together in order to fly the farthest,” said Carole Goodwin, director of youth ministry for the Louisville, Ky., archdiocese and a popular national speaker on adolescent issues at training workshops for catechists and youth ministers. More than 2,100 youth ministers from all over the United States attended the conference, hosted by the Denver archdiocese and sponsored by the National Federation for Catholic Youth Ministry. It featured workshops for people from an levels of parish youth ministry, from volunteers to professionals. Topics included “A Time to Heal–Responding to Sexual Abuse,” “Challenging the Youth Sports Culture,” and “Dealing with Liability.”

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HAYWARD — “I wonder how much turkeys are selling for in Utah,” pondered my daughter, Deborah, while planning two days of Thanksgiving. No, it wasnt going to be turkey and leftovers the next day. It was going to be two full dinners — two turkeys with all the trimmings. Two days of being with family, giving thanks and loving every minute even if it meant flying “So,” Debbie declared, “problem solved. Well just have multiple celebrations of the same holiday, and this year, thanks to Safeways Buy One, Get One Free offer, I have two turkeys.”
TURKEY are top of Group Seven, three points ahead of England, after a 2-1 victory in Macedonia. But the World Cup semi-finalists were given a shock by their unfancied opponents, who took a second-minute lead when Vlatko Grozdanoski headed home from close range. Macedonia, who face England on Wednesday, should have scored more before Turkey equalised against the run of play in the 29th minute when midfielder Okan Buruk fired home after a deflected cross from the right.
DONT worry if youve been priced out of the second home market in France, Italy or Spain. Its still possible to find a property for under pounds 50,000. just start looking further afield. MARIA ZOKAS looks at Eastern Europe and Turkey and selects five hotspots with surprisingly low price tags PROS: A popular destination in an established area, so your investment will make a good holiday home as well as offer rental potential. CONS: Prices are rising fast in Turkey, so you need to be quick to get a good deal.

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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.
- 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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Business Editors Farm Credit Leasing (FCL) has reorganized into two business lines effective immediately in order to coordinate each units resources and make them more responsive to customer needs.
Business Editors/High-Tech Writers ROCKLIN, Calif.–(BUSINESS WIRE)–Jan. 14, 2004 New Credit Facility to Finance Growing Operations
Legends Business Group, Inc. (OTCBB: LGBS)
announced today it has secured a revolving line of credit in the amount
$500,000.00.

Larry Powalisz, CEO of Legends Business Group, Inc., states, “I feel that
my terms are better than those offered by any other financing methods
currently available today. I am acting in the best interest of LGBS and our
respective shareholders. These loans are available to accommodate
prospective growth initiatives without dilution of shareholder value. I am
committed to growing this company into something extraordinary.”

Small Business Line of Credit

Acne FulminansAcne fulminans is a rare skin disorder with multisystem involvement. The most severe presentation of acne, the condition most commonly occurs in white adolescent males.[1] Clinically, nodulocystic acneiform lesions develop on the face, torso and upper extremeties. The lesions are highly inflamed and tender, and eventually ulcerate. Systemic manifestations include fever, weight loss and musculoskeletal complaints. Leukocytosis, mild anemia and elevated erythrocyte sedimentation rate (ESR) are typical laboratory findings. Since family physicians and other primary care physicians evaluate and treat more skin conditions than do dermatologists,[2,3] it is essential that this potentially catastrophic form of acne vulgaris be generally recognized and promptly treated.
Low-dose COCs not only serve for contraception but also reduce acne, a common dermatological problem for adolescents that can leave both psychological and physical scars. Acne can be treated by reducing the effect of androgen in the body, (13) either directly (with anti-androgen) or indirectly (with estrogen). Estrogen reduces the availability of active free androgen by increasing sex hormone-binding globulin in the blood, and several randomized controlled trials have found COCs to improve acne when compared with placebos. (14) Similarly, combinations of lowdose estrogens and such progestins as cyproterone or drospirenone are effective in treating acne and providing contraception at the same time. (15) The questions above were angered by Dr. David Grimes, vice president of biomedical affairs at FHI, and Dr. Ayodele Arowojolu, an FHI clinical research fellow in contraceptive technology who is on leave from his position as senior lecturer/consultant in obstetrics and gynecology at the College of Medicine, University of Ibadan, Nigeria. The FHI Fellowship program, based in Research Triangle Park, North Carolina, USA, aims to increase the number of qualified clinical researchers in contraceptive technology worldwide, and to establish a collegial relationship between FHI and the fellows sponsor institutions. (13.) Slayden SM, Moran CM, Sams WM Jr, et al. Hyperandrogenemia in patients presenting with acne. Fertil Steri12001;75(5):889-92.
Acne (AK-nee) is a condition in which there are pimples, blackheads, whiteheads, and sometimes deeper lumps on the skin.

Acne Cure

ITS the drug that showbiz just cant do without. It smooths wrinkles, banishes lines, eases furrowed brows. and allows some celebrities to tell great big whoppers about their age. The drugs name is Botox - and it owes its huge success to a Scot with an obsession for hill-climbing. Glasgow-born David Pyott, 53, is the man who made it a celebrity must-have and one of the biggest selling brands in the world. Hes head of eye-care giant Allergan, the firm which developed Botox - not bad for a man who couldnt even spell ophthalmology when he joined the firm.
By the time the U.S. Food Drug Administration approved Botox for treatment of facial lines and wrinkles in April, Dr Dominic Brandy medical director of the Skin Center, had been using the drug for that purpose for about seven years. His experience has added value now that the drug has FDA approval as a cosmetic treatment. Physicians are permitted to use a drug for other than FDAapproved uses, but cannot advertise or otherwise publicize that they are using it for other than its approved use. With FDA approval in place, Brandy, who says hes administered more than 1,500 Botox treatments since 1995, now can openly market the treatment at his Skin Centers in Shadyside, Wexford and Green Tree. The approval for cosmetic use offers several opportunities for practices like the Skin Cen ter; says Brandy, a member of the American Academy of Cosmetic Surgeons. First, it provides an additional revenue stream. Second, since the wrinklesmoothing effects of Botox dissipate in a few months, patients are likely to return for additional treatments. And because about 90 percent of patients get the results they expect, theyre likely to suggest the treatment to others.

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The Prime Ministers salary is pounds 119,056; other Cabinet members earn pounds 71,433, unless otherwise stated Prime Minister, First Lord of the Treasury and Minister for the Civil Service Tony Blair Deputy Prime Minister and First Secretary of State John Prescott
The Cutting Edge Cabinet Doors The Cutting Edge Cabinet Doors announces the addition of VRP Genuine Real Wood Veneered Raised Panels to its successful line of custom cabinet doors and CNC routed drawer fronts. [ILLUSTRATION OMITTED]

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Q My mother always gives me a hard time about my career choice, even though I love my job and am completely fulfilled by it. How can I get over my irritation with her about this and help her accept me for who I am? A Los Angeles-based life coach Beth Rothenberg responds: You might say something like: I am coming to you because I love and respect you, and I know you love me and dont want me to mess up my life. But I need to feel that you respect my judgment and have faith that I am making the right choice for me at this time. Right now I am where I want to be. I need to feel that even though you may not agree, you respect my need to make my own choices.
Q: have a great job, great friends and a terrific husband and home, but I still feel a void in my life, like I need a change. What can I do to figure out what is missing? Los Angeles-based life coach Beth Rothenberg offers these suggestions: That something is different for all of us at different times in our lives. Some find it through meditation or yoga, some in journal writing, nature or religion. For others it means finding a purpose, doing something that benefits others. Finding your passion — something you love so much, you cant wait to get up in the morning — will help make you feel complete.

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Visual storytelling; videography and post production in the digital age. (DVD included)
In producing some two dozen multi-projector slide shows and a dozen video presentations on our travels my wife and I have learned some valuable pointers about making successful travelogs. First, we find video to be most fascinating to use, easier to present and very much more interesting to an audience. Second, we must give sufficient attention to all three stages of the process: preparation before departure; taping during the journey; postproduction editing after you get home. Study all the information you can obtain about the places to be visited. For USA motor travel, the AAA and State Departments of Tourism are prime sources. For PSA members the “Travel Aids” listed by the Photo-Travel Division Directory can be quite useful. For foreign travel your travel agent can get all sorts of current literature and information including the addresses of Tourist Travel Bureaus maintained in the US by most foreign nations. We have found Fodors Guides most useful in many parts of the world and Michelin Guides good for Europe. Use the information to plan what locations to tape and how to reach them.

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MARKETING Marketing pertains to the interactive process that requires developing, pricing, placing, and promoting goods, ideas, or services in order to facilitate exchanges between customers and sellers to satisfy the needs and wants of consumers. Thus, at the very center of the marketing process is satisfying the needs and wants of customers.
MARKETING; if Google hits are any indication of celebrity, then chief marketing officers arent doing very much to market themselves. So says a Light Reading survey, which it launched after hearing that Alcatel appointed Alan Mottram as its new CMO, replacing the retiring Ron Spithill. It seems that Mottrams name (as president of Alcatels fixed solutions division) generated almost twice as many Google hits as Spithill (score: 996 to 499). What does all this mean? Were not sure, except that Google comes in handy on really slow news days.

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Why am I doing this instead of shopping or having kids? Something inside makes you keep giving yourself to sport England captain puts football first
Sport Profile: Taekwondo Status for the 2000 Sydney Games: The U.S. team will be represented by a four-member Olympic squad: flyweight Kay Poe (under 107.6 pounds), welterweight Barbara Kunkel (125.5-147.4 pounds), featherweight Steven Lopez (127.7-149.6), and flyweight Juan Moreno (under 127.6). All four won their Olympic berths in Saturdays 2000 U.S. Olympic Team trials qualifying tournament. Only 100 athletes (52 men, 48 women) will compete in the 2000 Olympic Taekwondo Tournament and the United States is one of six countries that qualified the maximum of four athletes. Taekwondo will make its Olympic debut this summer in Sydney. At the 1992 Barcelona Olympics, the United States sent a team of four men and four women.
They had lost their last two games of the 1998 season and waved goodbye to most of their top offensive stars, including their quarterback, running back and No. 1 wide receiver. It would be a rebuilding year for Kansas State, everyone decided. Everyone was wrong, of course. Bill Snyders Wildcats hardly missed a beat, winning 10 regular-season games and losing only at Nebraska. A survey of sports editors and sportscasters gave the nod to Kansas States football fortunes over a host of interesting and intriguing developments making headlines during the year.

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More than 20 experienced consumer bankruptcy attorneys from across the United States will hold a free workshop for Hurricane Katrina victims at 3:30 p.m. Saturday in the Grand Ballroom of the New Orleans Marriott Hotel, 555 Canal St. The volunteers are members of the National Association of Consumer Bankruptcy Attorneys, which is holding its 14th annual convention this weekend in New Orleans. Child care is available for persons attending the workshop.
BALTIMORE, Md. - 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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As your familys needs change, so should your home. This Dallas kitchen had been remodeled three times prior to this update to accommodate changing needs. Each previous owner was careful to stay true to the homes original design, and it was equally important to current residents Kathy and Sam Leake that they respect that tradition as well. They worked to open up the room-improving both the amount of natural light and traffic flow. Plus, attractive design details give the space a cozier feel. The kitchen now connects to the dining room through two doors that permit traffic to flow freely from one area to the other. “The openness changed the home from a 1950s ideal, where the kitchen was hidden from public view, to a contemporary floor plan that showcases this room as the heart of family and entertaining activities,” says architect Stephen B. Chambers, who worked on the new design.
Lower-than-average counters, toe spaces that are high and deep For anyone using a wheelchair, its essential that rooms have at least a 5- by 5-foot open space so the chair can be turned. To accomplish this, the remodel incorporated space from what had been a separate dining area. Now the kitchen is arranged along three walls; the stove lines up with a kneehole sink. At 33 inches high, most counters in this kitchen are a few inches lower than standard height (the dishwasher is under a regular 36-inch counter). Toe space under all cabinets is an extra-generous 7 1/2 inches high and 8 1/2 inches deep. Next to the ovens, a baking center-pantry can be closed off by doors that slide back into the walls. Open, it has a sturdy pullout maple board at the right height for mixing up a cake or rolling out biscuits. Pots, pans, and some dishes are stored in drawers below the counter. Adjoining the pantry is a built-in wall oven with a microwave underneath. The built-in 47-inch-diameter dining table is 27 inches high. With only a center pedestal, its easy to roll up to. The only space added during the remodel is a 6 1/2- by 12-foot sunroom with double glass doors that slide open to the garden. A long 19-inch-high built-in bench on one wall of the sunroom has a 4-inch foam pad that makes it a great spot for sunny catnaps. PHOTO : Remodeled kitchen works hard for wheelchair independence. It has space for chair to turn, PHOTO : lower-than-standard countertops, kneehole sink, and many small adjustments for the cook
No shortage of storage in this kitchen remodel Chock-full of storage, this generous kitchen addition was annexed to the rear of the house. Among its space-expanding amenities are a 5 1/2-foot-long appliance garage, an eating and storage island, and a built-in desk for menu planning. Heart of the kitchen is a six-sided 9 1/2-foot-long island that provides storage for dishes, knives, and spices, as well as a cooktop and a snack counter serving four. For convenience, dishes are stored in the side of the island facing the sink and dishwasher. A U-shaped drawer for pots and pans pulls out under the cooktop.

Alexandria Kitchen Remodeling

The book gives instructive examples of successful sites including those created by National Geograpic, IBM and Utne Reader Web Navigation comes with a CDROM containing software demonstrations and a list of related Web resources Cost $34.95. Contact OReilly Associates Inc, 101 Morris St Sebastopol, CA 95472 800-998-9938.
The principles of beautiful web design.
Put usability first; practice simplicity Scores of books purport to offer insight into successful Web site design. At least one actually does. Jakob Nielsens Designing Web Usability (published by New Rider, Indianapolis) is accessible (with plenty of color plates illustrating his ideas) but dense with practical and sometimes idiosyncratic advice. It is recommended reading for agency principals and Web managers alike. Some people label Nielsen opinionated, but thats his value. His insights are based on experience and experiments, not simply taste and intuition. You can be as clever as you want with your Web site but once you read Nielsen, you may feel like an idiot. So read him first.

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The Marquis TrimLine telephone will provide the solution for those areas in the hotel requiring a specialized telephone. The Marquis TrimLine can be used as a courtesy phone, guestroom phone or bathroom phone. Circle 349
Telematrix. Circle 328
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SPREADING THE WEALTH The explosive growth in forex trading has been fueled to some extent by the promise of low margins and low or nocost trading. However, sometimes the “no-cost” perception is just that - a perception. Critics say that when bid/ask spreads are considered, forex trading can be more expensive than other markets. The amendment also prohibits members from advertising that they do not charge commissions unless they also disclose how they are compensated, says Katherine Camp, associate general counsel at the NFA.
FRAUD BUSTER BUSTED? The Commodity Futures Trading Commission (CFTC) continues to aggressively target fraud cases involving forex dealers despite a ruling by the U.S. Court of Appeals for the Seventh Circuit that brings the regulators jurisdiction over forex into question. While the retail forex world typically refers to its products as spot and forwards, forex brokers lined up to register with the CFTC, the futures industry regulator, after the Commodity Futures Modernization Act of 2000 codified the CFTCs forex oversight.
MAKING ITS OWN RULES The National Futures Association (NFA) has approved a new forex rule and several rule amendments meant to help the NFA regulate fraud against entities on which it had no jurisdiction before. The changes are also independent of the CFTC reauthorization, which is focusing on forex regulation and CFTC jurisdiction regarding non-futures contracts. The new rule, Compliance Rule 2-39, prohibits all NFA members who introduce retail forex customers to or manage retail forex accounts with any counterparty from engaging in illegal off-exchange transactions or fraud. The rule also requires members to supervise their employees and agents. These requirements previously applied only to members who were doing business with forex dealer members, and now associates who conduct retail forex business with other counterparties are subject to the same requirements as members.

Forex Alerts

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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.
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.
The things some people will do for a white Christmas.

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Nashville, Tenn. - TNN canceling several series — The Nashville Network is canceling some country music-oriented programming, including the talk-variety format that has been its prime-time flagship for 16 years. Executives at the cable network Monday confirmed reports that “Prime Time Country with Gary Chapman” would stop production in September. Three entertainment magazine shows that focus on country singers also are being canceled: “Crook Chase,” “Crook Chase Tonight” and “This Week in Country Music.”
Derel Schrock is just your basic home cook — assuming your basic home cook regularly whips up meals for 40, cooks on an eight-burner stove, attends cooking classes as often as some people go to movies and buys special ingredients overseas. In person. So maybe hes more into food than the average home cook, but hes a home cook, nonetheless — a 60-something retired US Airways pilot and Air Force reserve officer who loves to travel and throw “wingdings” for his friends so he can whip up special dishes hes collected from cooking schools around the world. “The kitchen is where the party happens,” he says. “Thats why I have plenty of space for people to stand around, and a bar with stools overlooking the island cook top so you can sit down and watch the action.”

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FIRST-TIME buyers are having to earn more and borrow more than ever before to get on to the first rung on the property ladder. The average income of first-time purchasers jumped to pounds 18,503 in April, the highest level ever, according to figures published by the Halifax last week. These new buyers are also having to borrow at record levels, taking on an average pounds 52,846 mortgage debt to fulfil their home- owning dream. And while average house prices are rising by 3.7 per cent, first- time buyer home prices are rising even faster, by four per cent in April to pounds 53,874.
EAST BRUNSWICK Borrowing costs and a weak housing market take an increasing toll RISING FORECLOSURE RATES in New Jersey are likely to remain on the upswing in 2007, but experts say the odds are slim that the increases will signal a crisis for the states housing market or its economy. For the first 11 months of 2006, home mortgage foreclosures in the state were 25,472, up 78 percent from 14,311 for all of 2005, according to Foreclosures.com, a real estate advisory firm in Sacramento, Calif.

Indianapolis Mortgage

The arrangement provides for a revolving line of credit in favour of the Company of up to CDN$1,500,000. Approximately CDN$1,400,000 is outstanding pursuant to the line of credit. Funds advanced pursuant to the line of credit are to be repaid by the Company by October 20, 1998, together with interest at 8 percent per annum. A financing fee equal to 4 percent of each advance is to be added to the principal amount outstanding under the line of credit. As further consideration for the line of credit, the Company will issue 400,000 share purchase warrants to Pinetree, each such warrant entitling Pinetree to purchase one common share of the Company at CDN$0.70 on or before October 20, 1998. The line of credit will be secured by a General Security Agreement. This transaction is subject to regulatory approval.Park Meditech Inc., is a medical technology company that specializes in nuclear medicine imaging systems and independent clinical work-stations. It has developed and patented a totally digital imaging system which offers significantly improved diagnostic capabilities. Park operates internationally through its subsidiaries in developing, manufacturing and marketing imaging technologies, equipment and related computer systems.
Business Editors Northwest Natural Gas Company (NYSE:NWN), dba NW Natural, reported today that it has renewed its committed lines of credit with four commercial banks totaling $150,000,000. The four banks are Bank of America, Bank One, U.S. Bank and Wells Fargo Bank. NW Naturals credit line backs up its commercial paper program offered through Wells Fargo. The renewed credit agreements were effective as of Oct. 1, 2002.
Bank of America will serve as an administrative agent.

Business Credit Lines

next year when they stage their first event in Poland. The 72-hole tournament will have a minimum pounds 100,000 prize-money and will be played at the Amber Baltic Golf Club in May.
The Warwickshire club, Leek Wootton, are to host the World Left-Handed Amateur Championship on 23-26 July, the week after the Open at Lytham. It is the first time the event has been staged in the United Kingdom.
Golf - TD Waterhouse tickets on sale — Tickets for the TD Waterhouse Seniors tournament, scheduled May 14-20 at Tiffany Greens Golf Course in Kansas City, Mo., are on sale through TicketMaster, 877-280-6031. Single day tickets are $20. A week-long grounds badge, good Monday through Sunday, is $75. A week-long badge providing clubhouse access costs $100. The 54-hole tournament will run Friday through Sunday.

Golf Coaching

Spiceworld - The Movie (PG) Forget Arnie, Sly, Demi, Disney or even that Cruise geezer. With Christmas wrapped and their chart-busting Too Much predictably slotted in at No. 1, a very timely debut dose of big- screen Girl Power succeeds the Full Monty as this year-ends British film biggie.
New Line Cinema relaunched its Lord of the Rings Web site earlier this month. In four days, the site had received more than 41 million hits. New Line has entered a four-year partnership with RealNetworks to promote the movie release trilogy of J.R.R. Tolkiens Lord of the Rings. The sites content includes the movies trailer, up-to-the-minute production information, interviews and an IPIX tour of the set. The Fellowship of the Rings, the trilogys first installment is poised to hit theaters Dec. 19. LordoftheRings.net will be updated weekly over the next four years. Meanwhile, hundreds of fan sites have popped up all over the Net, all eager for more info about the trilogy. The Lord of the Rings RealChannel will set a promotional benchmark that is unparalleled and marks the most significant entertainment Internet promotion to date, Gordon Paddison, SVP of worldwide marketing and business development for New Line Cinema, says in a release. More significant than Blair Witch Project? We shall see.
STARSHIP TROOPERS (15) What better way to start the new film year than with the latest blood- soaked, limb-cracking epic adventure about a do-or-die battle to save the world from unspeakable otherworldly aliens? Sounds familiar? No, not More Men In Black or Independence Day 2. Anyone with a passing knowledge of those bad Hollywood B-movies of the Fifties will easily recognise the basic formula of this gleefully inflated Nineties variety of the species as a team of well-scrubbed, cliche-spouting all-American heroes take on disgusting giant bugs from the distant Planet Klendathu.

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by Fafco Features: complete system available in one package; increases swim season four to six weeks in the spring and fall, per manufacturer; designed to raise water temperature up to 10 degrees or more Offerings: early-buy programs; POS materials: ]O-year warranty Contact: Fafco Inc., Chico, Calif. (800) 994-7652; Booth 1342
by Fafco Features: complete system is available in one package; increases swim season four to six weeks in the spring and autumn, per manufacturer, designed to raise water temperature 10 degrees or more Offerings: early-buy programs; 10-year warranty Contact: Fafco Inc., Chico, Calif. (800) 994-7652

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Steve Pettengill, of the United States, sailed into Charleston, South Carolina yesterday to take second place in the 27,000-mile BOC Challenge. Pettengill, sailing Hunters Child, completed the voyage in 128 days, four hours, three minutes and nine seconds. The Frenchman, Christophe Auguin, won in 121 days, 17 hours, 11 minutes and 46 seconds.
With gusts of over 30 knots blasting over the Holy Loch, several dinghy sailors found it nigh on impossible to get their boats righted in the difficult conditions. In the slow dinghy class, Strathclyde Loch Sailing Clubs Crawford Reid produced two firsts in his Albacore, putting him out in front as a clear leader in the 13-strong class and Alan Milton in Pepsi took two more decisive wins in the Sigma 33 class. Cove Sailing Clubs Alan Harper in Pied Piper sealed a championship win with a second and fourth, while Clyde Cruising Clubs Donald Sharp had two good wins and lifted the IRC Class 2 crown.
Morning Glory, a German yacht, was the first of 100 boats to complete the 1996 Cape Town to Rio sailboat race. The 3,429 nautical miles (6,350km) voyage took 14 days 14 hours 52 minutes.

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Over the years the concept of medical necessity has evolved to encompass a multitude of medical management strategies. Essentially, in terms of the contract language, medical necessity has become a workhorse concept to determine coverage eligibility. In the process, the interpretation of the term has taken on various guises and a variety of processes have been used to define medical necessity. The following discussion highlights the variable uses of the concept of medical necessity. 1. Determining the most appropriate intensity of service and place of service
Before reading this chapter, please see “How to Get the Most Out of this Book” on page 1. It will clarify questions you may have concerning data collection procedures, forecasting methodology, sources and references, and the Standard Industrial Classification (SIC) system. For other topics related to this chapter, see chapters 44 (Drugs), and 45 (Medical and Dental Instruments and Supplies).
Editors note: This article is adapted from Menke and Bobbins Integrative Chiropractic, scheduled for release in 2007 by Elsevier Health Sciences. “The medicalization of early diagnosis not only hampers and discourages preventative health care, but it also trains the patient-to-be to function in the meantime as an acolyte to his doctor. He learns to depend on the physician in sickness and in health. He turns into a lifelong patient.” “Medicalizing” is forcing conditions into familiar diagnostic categories for medical management.1 Every complaint has an antidote, whether it needs one or not. ; Treating natural consequences of living as diseases that must be vanquished, leads to too much treatment and too much dependence on the authoritative “professional.” We tend to grant most, if not all of our decision-making authority to an expert in highly complex technologies. In the case of medicine, this often complicates the commonplace condition and prolongs selflimiting ones. Today, diseases and drugs are way oversold.

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Rieter Sells Cabling, Twisting and Texturing Machine Business Rieter has sold its business in cabling, twisting and texturing machines to Co-Martin of France retroactive from October 31, 2006. The new owners have many years of experience in the man-made fiber business, and are taking over all activities at the location in Valence, France. Both sides agreed not to disclose the selling price. After careful examination of all possible options, the Board of Directors and Group Management decided to sell subsidiary Rieter Textile Machinery France SAS in Valence with all three business fields to Co-Martin. The Rieter subsidiary in Valence employs 153 persons, and achieved a turnover of approximately 50 million euro in 2005.
37-year Topeka business to close John Swan, owner of Swans Formal Wear at 2010 S.W. Ashworth Place in Topeka, will close the store at the end of June. Swan said his formal wear business never recovered from its move to west Topeka from its location at 1025 S.W. Kansas Avenue three years ago. Debt: Owners of Swans Formal Wear say enforced move from downtown location to blame
Group offers free business advice

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Children dont come with instructions. But parents might long for some when a health problem arises. A free forum designed to make parents health-wiser by providing care tips and strategies is planned 11 a.m.-1 p.m. Jan. 19 at the Pikes Peak East Library, 5550 N. Union Blvd. Lunch will be provided to those who R.S.V.P. by Monday. The forum is hosted by Resources for Young Children and Families Inc. To R.S.V.P. or for more information, call Robin Mitchell at 577-9190.
Smokeout help available The American Cancer Society, the El Paso County Department of Health and Environment and Memorial Hospital are presenting free “Getting Ready to Quit” programs on Thursday as part of the Great American Smokeout.

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