Stamford Office Furniture announced that Linda Sheppard has re-joined the firm as sales vice president. Sheppard holds a B.S. in textiles, merchandizing and interior design from the University of Rhode Island.
LOUISVILLE, Ky.–(BUSINESS WIRE)–Dec. 21, 1998–DMI Furniture, Inc., (NASDAQ: DMIF) announced today the development of a new identity with the formation of DMI Office Furniture. Operating as a division of DMI Furniture, Inc., the mission of DMI Office Furniture will be to manufacture and market mid-market office furniture. DMI Furniture, Inc. is a Louisville, Kentucky based vertically integrated manufacturer, importer, and marketer of residential and commercial office furniture consisting of five operating divisions and operating five manufacturing plants in Indiana and manufacturing sources in Asia, Malaysia, and Mexico.
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Economic development and business financing rolled into one In addition, under the Resources Links section, you can find several Web sites of national organizations that provide financing services. For example, links are provided to the Community Development Venture Capital Alliances and The Coalition of Community Development Financial Institutions–two groups that provide business financing and investments in an economic-development context.
As your new president, I face a challenging task when it comes to speaking to you about school finance. Let me give you my dilemma. It is the end of the school year as I write this piece and I am reflecting on the uncertain state of school finances in coming months and what these financial challenges mean for us as school system leaders. You will share my frustration that as many as half the nations students may be directly shortchanged of the education they deserve, with the remainder not immune to the impact of belt tightening. As bad as that news is, last year at this time NCSL found 36 states with budget gaps. On the other hand, NCLB and IDEA could be funded retroactively, which would help make up for last years budget shortfalls that resulted from unfunded or underfunded mandates. If you are a school leader in one of the rare districts whose state legislature decided this summer to support quality education with adequate funding for all your schools, the future must look bright, so you can skip the remainder of this column. If youre not in that sunny camp, please continue and let me share my thoughts.
Meridian Capital Group LLC announced the following transactions: * Meridian Capital arranged financing of $13.35 million on a 98,500 square foot 8-story loft building, with 9 tenants, on W. 32nd Street in New York City. Avi Weinstock Moshe Majeski negotiated the transaction. * Meridian negotiated new mortgages totaling $6.15 million on (2) elevator apt. buildings with 196 units on Duncan Ave./Kennedy Blvd. in Jersey City, NJ. The loans featured rates at 5.95% with 10 year terms. Israel Schubert Elliot Treitel arranged for the financing.
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Construction of new homes, primarily in La Quinta, continues to dominate the Coachella Valley construction industry.With La Quinta issuing permits for 103 homes valued at $18,020,040, the valley toted up $58,789,335 in building valuations during November, a slight increase of .07 percent over last November.Again, La Quinta stood at the top of the chart, followed by Palm Desert with a $16,452,036 November total.In all, permits for 196 homes totaling $42,079,097 in valuations were issued.
Rebounding from a B-month low, total housing starts surged 5 percent, up from 1.54 million units in April to 1.96 million in May. Single-family starts were up 2.1 percent in May as well. The National Association of Home Builders reported increases in new home and apartment construction in May for three regions: West, up 15.8 percent; South, 8.5 percent; and Northeast, 1.7 percent.
Colorado Springs-area home construction continued its blistering pace in the first quarter, although one economist fears an oversupply could drive down prices in the next few years. Single-family home building permits totaled 1,392 from January through March — a 20.2 percent jump from the same period last year, according to figures released Friday by the Pikes Peak Regional Building Department. The number of permits this year puts Colorado Springs and El Paso County on pace to shatter the record of 5,059 single-family permits, set only last year.
5:01
The Reasl Estate Academy has announced guest speakers for its series News, Views and Current Real Estate Trends taking place throughout March. For more information, call 212-262-2662 or email info@RealEstateAcademy.com
CUES Financial Suppliers Forum is a membership organization composed of over 100 firms that supply products and services to credit unions and are strong supporters of CUES and the credit union movement.
4:51
GetCoachedNow.com offers certified life coach professionals on-demand,
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The technology behind Get Coached Now is provided by Ingenio, Inc., an
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connect and transact by leveraging two powerful communications vehicles –
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At prenatal classes, expert nurses inform you of what to expect. Each stage of labour, along with the emotions involved, is outlined. The labour at the beginning of life. Sure as taxes, the pain will come. Life is proceeding as it should. There is a beginning and a progression. Just around the stage called transition is the hardest part, the pressure, the wish to stop or the choice to push forward. They may tell you not to push. You may hold back, against gravity, and against Mother Nature. Resisting. We have an opportunity to start in pre-dialysis clinics. We teach. We support. We try to maximize understanding and optimize good health. End stage renal failure will come. Planning for this phase can be as natural as planning any life event. Then there is the labour of beginning treatment. A patient and family undergo major shifts in lifestyle. Crises come and, hopefully, dissipate.
Take these three steps to happiness:
15:08
Dear Abby: Over the past 25 years, Americans have done a great deal to prevent fires in their homes. Home fire fatalities in the United States have dropped 50 percent since the 1970s, thanks in part to public awareness and education. Technology such as smoke alarms has helped, too — by alerting home occupants when fires start and giving them time to escape. Candles have become such popular decorative accessories that during the past decade in the United States, fires caused by candles have tripled in number to 18,000 per year. Forty percent of these fires begin in the bedroom, causing one-quarter of the deaths associated with candles! (December has almost twice the number of home candle fires as any other month.) Extinguish candles when leaving the room or before going to sleep. Make sure all candles are placed in sturdy holders, large enough to collect dripping wax. Keep them out of reach of children or pets. And use a flashlight — not a candle — for emergency lighting. I hope everyone who reads this will take the necessary steps to guard against fire in their homes. 51; James M. Shannon, president, National Fire Protection Association
Thirtymile Fire Accident Review Board* Editors note: On July 10, 2001, four firefighters died in a burnover on the Thirtymile Fire on the Okanogan National Forest near Winthrop, WA. The USDA Forest Service formed a team to investigate the accident and a board to review the teams findings and formulate an action plan for preventing similar future accidents. The action plan, released on October 22 and updated on December 3, 2001, is reprinted here, with condensed preface and lightly edited action items. For timelines and progress updates, see the Fire and Aviation Management Website at . The Thirtymile Fire Prevention Action Plan was developed from the recommendations made by the Thirtymile Fire Accident Review Board (see page 13). The plan seeks to prevent future accidents of the type that occurred on the Thirtymile Fire. Although all firefighters involved in the Thirtymile Fire were Forest Service employees, the corrective actions in this plan will affect wildland fire management and policy in all jurisdictions and should be addressed by the National Wildfire Coordinating Group (NWCG). The Accident Investigation Team and the Accident Review Board were both made up of interagency representatives.
October 4, 2002 By the President of the United States of America
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Cancer is a group of many related diseases in which abnormal cells grow out of control and spread.
Searching for a cure Cancer cure is elusive, but scientists are getting closer, thanks to research, experts say
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AIRLINES In 1990 and 1991, the U.S. airline industry suffered large financial losses. The industrys poor financial performance was the result of several factors, the most important being the recession, higher fuel prices, the adverse effect of the Persian Gulf conflict on international air travel and rising debt service costs. During 1990 and 1991, the Persian Gulf conflict required the first activation of the Civil Reserve Air Fleet (CRAF) program since it was established in 1952. Under the program, the Department of Defense may requisition previously contracted passenger and cargo aircraft from commercial air carriers to augment the militarys own airlift capacity. The airline industry responded rapidly to aid the military build up in the Persian Gulf. By July 15, 1991, commercial aircraft had flown over 5,315 missions, and delivered 690,150 troops and 228,400 tons of material in support of military requirements.
Service Transport Company, a Houstonbased transporter of bulk liquids and chemicals throughout the U.S., has selected TMW Systems TMWSuite(TM) as the companys comprehensive transportation management software. READER SERVICE NO. 225
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Call it catalytic conversion: remodeling cleaned up this small kitchen and helped it function more efficiently. Before, though the sink and most appliances seemed to be in the right places, there wasnt quite enough counter space. And heavy-looking painted wood cabinets and a crowded breakfast area made the entire kitchen seem cramped. For more comfortable seating, a built-in bench now wraps a corner of the eating area. The windows were restyled, with a new one added to the kitchens long wall; the breakfast areas section of this wall was pushed out about 1 1/2 feet.
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especially appreciate the time you spent making sure everything is exactly
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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.
13:28
WASHINGTON (Bloomberg) — U.S. sales of new homes rose in October to the highest level in three months as low mortgage rates and stock market gains rejuvenated housing activity. “The market is going to remain as strong as its been, which is an incredibly healthy home buying market,” said Lori Steiner, senior vice president of marketing at Dominion Homes in Dublin, Ohio. A rebound of new home sales in the West accounted for the October increase, as sales fell in the other three regions. Including sales of previously owned homes, “the housing market is going to set a third consecutive record this year,” said David Berson, chief economist at Fannie Mae, the worlds leading buyer of single-family home mortgages. Home sales next year “will be extremely strong.”
NOT only did businessman Alvin Eng find his new home in Bukit Rimau, Shah Alam, he also won a RM140,000 Honda CRV in March with his slogan `I choose to live in Bukit Rimau because it is simply the best choice. Bukit Rimau is a RM800 million property development sprawled over 145
South Georgia Motorsports Park is a state-of-the-art track. I spoke to some of the drivers who tested there prior to the race in Gainesville, and they loved the place. We are looking to build a facility to house our cars and the school [at the Georgia site]. That will be our southern location. Cecil County is an excellent facility. Its located not far from Baltimore, Washington, D.C., Philadelphia, and parts of New Jersey.”
13:25
Business Editors/Health/Medical Writers Abstract #1602, which describes MG98 activity against gastric cancer, was presented by MethylGene Inc., a private biopharmaceutical company focused on developing new drugs for cancer and infectious diseases. Abstract #1609, which describes the activity of MG98 in combination with interferon against renal cancer cells was presented by investigators from The Cleveland Clinic. These preclinical results together with prior evidence of clinical activity of MG98 in patients with metastatic renal cell cancer, form the basis for MethylGenes planned randomized Phase I/II trial of MG98 in combination with interferon as first-line therapy in metastatic renal cancer. This is the first combination therapy trial run by MethylGene with MG98.
BOSTON (AP) — Two university students who vanished from a motel on Cape Cod and failed to show up for meetings with their parents have turned up in Florida. Leanne Gouveia, mother of 21-year-old Justin Gouveia of Lowell, said a private investigator called her husband, Joseph, on Saturday and said her son and Danela Alfaro-Lopez of Dearborn, Mich., had been located and were OK. “Im shaking, Im so ecstatic,” she said. “Its beautiful, its just beautiful.”
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OVER THE HEDGE (U) THE STARS (voices) Bruce Willis, Gary Shandling, Nick Nolte, Wanda Sykes, Steve Carell, William Shatner. THE STORY A scavenging raccoon named RJ (voiced by Willis) accidentally destroys all of the hoarded food belonging to a vicious bear (Nolte) and has just a few days to replace the goodies.
Orkin offers customized, guaranteed integrated pest management. With more than 100 years of experience, Orkins specially trained technicians use the latest technologies for any industry. Booth 1215
Its been a long rime since I have reviewed gopher control in the vineyard. Its appropriate, given the time of year, so I thought we would take a look at it this month. All three rodents damage vines by chewing on them. New plantings and established vines are susceptible to both root damage and girdling. In addition to plant damage, these rodents will also move enough dirt to redirect water away from vines and literally into a hole in the ground. Ground squirrels specifically will chew drip lines and damage emitters. I have observed squirrels chewing things for no other reason than the fact that they are there. Control of these pests is broken into three fairly broad categories: biological, chemical and trapping.
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A bacterial protein called Bt toxin makes a safe and effective pesticide. But Bt-proof bugs could render the agricultural resource useless. So researchers at North Carolina State University are helping to develop a test kit that gives farmers early warning of Bt resistance, allowing them to give the affected area a break from Bt before a “super pest” emerges. Each well holds insect food mixed with an indicator dye that turns bug feces blue. Bt susceptible pests sickened by the toxin dont eat - and therefore dont defecate. But resistant bugs produce blue droppings - a quick, colorful warning for the farmer, who would otherwise have to wait a week or so for the insects to die. A large-scale field study of the test kit, sponsored by Cotton Inc., should be completed this spring. (Technology Review, January/February 1999)
The Steritech Group, Inc., a provider of pest management services, has introduced a high-tech bar code monitoring program that helps eliminate excessive or unnecessary application of pesticides. Steritechs bar code technology tracks pesticide placement and usage, and allows Steritechs pest management professionals to track recommendations and degree of compliance, analyze pest activity, including seasonal trends, and make any necessary adjustments. CIRCLE 81 ON READER SERVICE CARD
SQUIRREL: Grey squirrels have proliferated almost without check and driven the red squirrel to the point of extinction. Although they damage trees and property, many enjoy watching them. BADGER: Badgers are seen by nature lovers as gentle creatures that bring benefits to their environment. Farmers say they should be culled because they spread bovine tuberculosis. MOLE: Unpopular with gardeners and farmers, moles create untidy hills. Yet, thanks partly to The Wind in the Willows, they have attracted a loyal following.
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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.
> Lexington Insurance Co. has announced a first-of-its-kind insurance policy to protect commercial and residential real-estate developers and lenders from losses due to changing zoning ordinances. Zoning Restriction Protector Insurance has been designed for commercial and multitenanted residential real-estate owners and lenders who may incur significant damage to their property and cannot rebuild to the same size due to zoning issues.
Scott Burnett, licensed partner, Realtor and office administrator for the Jerry Long Real Estate Group at RE/MAX Associates of Topeka, has earned the nationally recognized e-PRO certification, a designation that is held by less than 1 percent of real estate agents nationwide. Burnett joined the Jerry Long Real Estate Group in March 1999. His primary responsibilities are general office management and client care, coordination of property showings, maintenance of current listing inventory, contracts pending and closing activities. Burnett is also actively involved in the creation of marketing and promotional materials. He attended Penn Valley Community College in Kansas City, Mo., and the University of Missouri-Columbia.
3:54
PENNSAUKEN, NJ — Disc Makers has released the Pico, a single-drive automated CD/DVD duplicator, priced at $699, that allows musicians, filmmakers and small businesses to affordably reproduce content. According to the folks at Disc Makers, the Pico can produce six full 4.7GB DVD[+ or -]Rs/hour or up to twelve 700 MB CD-Rs/hour. The unit comes with free lifetime technical support along with a choice of 100 Disc Makers Ultra 52x CDs or 50 6x DVDs.
Contrary to some opinions, standalone CD duplication systems are not intended to be piracy factories. As the lowest common denominator writable format readable in any CD or DVD drive, CD-R has attained the privileged position previous held only by the floppy diskette and paper. Legitimate uses for making multiple copies of CDs include distributing everything from computer software to technical documents to church music to syndicated radio shows to the infamous Starr Report. At the heart of the standalone CD-R duplication system is the controller, which acts as the brains of the operation and point of interaction with the user. A number of proprietary controllers are commonly used in the various systems as well as some standardized models available to the industry from several manufacturers including JukeBox Information Systems (JIS), R-Quest, and Extreme Technologies. Capabilities vary widely between controllers so it is important for the prospective user to compare and determine the functions needed as opposed to superfluous features or downright gimmicks.
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Silicon is the second-most-common element on earth, led only by oxygen, and is the second-most abundant element in the Earths crust, where it is chiefly found in the form of silica or silicon dioxide (also called flint). A trace element, silica is critical for healthy: bone; cartilage; organ and connective tissues (aorta, trachea, artery walls, ligaments and tendons); and for beautiful: hair, skin, and nails. Thanks to research by E.M. Carlisle, K. Schwarz, D.B. Milne, A. Charnot, R.H. Monceaux, J. Looper, E.J. Rus, L.C. Kevran, A. Weiss, A.T. Diplock, and others, we now realize that this element exerts a giant influence on our health and life. Edith M. Carlisle, Ph.D., discovered that calcium and vitamin D alone are not sufficient for bone growth, density, strength, and flexibility. Other minerals, including traces of silica, are needed to strengthen bones and increase production of collagen, the tough, flexible connective tissue that binds everything together.
[ILLUSTRATION OMITTED]
3:14
HOMEBUYING is set to take another step forward in the online revolution when Scotlands first internet conveyancing service is launched this week. Conveyancing Direct, a telephone-based conveyancing service, is to launch a website which will allow customers to calculate online the total charges linked to buying a domestic property in Scotland. Graeme McCormick, founding partner of the Glasgow-based practice, says the speed at which charges can be calculated is a key part of the service. “If somebody goes and sees a property at the weekend, then they dont have to wait until Monday to contact a solicitor. They can go on to our website, do their sums, and theyre ready to go. Our online facility has been developed so that if, for example, someone wants to buy a property for #70,000, then they will be able to find out our fee, VAT, and calculate the registration charges and stamp duty. They then have the total figure to help them with the finances.”
STEPHEN WARD The Law Society has been given the go-ahead to try to ban cut-price conveyancing by exploiting a loophole in the law. A scheme devised by the societys president, Martin Mears, and his deputy, Robert Sayer, would take away insurance from any firm which undercuts recommended fee levels for buying and selling a home.
3:03
> Lexington Insurance Co. has announced a first-of-its-kind insurance policy to protect commercial and residential real-estate developers and lenders from losses due to changing zoning ordinances. Zoning Restriction Protector Insurance has been designed for commercial and multitenanted residential real-estate owners and lenders who may incur significant damage to their property and cannot rebuild to the same size due to zoning issues.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Jerry Long
16:12
In the final quarter of 2007, passenger transport saw the largest increase in air transport and the largest decline in city bus transport. Within land passenger transport, the declining trend of bus transport continued. The annual decline in the number of passengers in intercity and city bus transport (-3.9% and -3.5%, respectively) was also similar to the average annual decrease in the last three years (5.9% and 3.3%, respectively). The volume of railway passenger transport in the final quarter of 2007 did not strengthen significantly year on year; the 2.4% growth recorded in 2007 was also only slightly above the three-year average (2.1%). Air transport and airport transport posted vigorous growth in the final quarter of last year (27.6% and 19.6% year on year, respectively). The increases in 2007 (13.7% and 13.3%, respectively) were also somewhat greater relative to the average annual rises in the last few years. In air transport, this also enabled an increase in aircraft fleet (lease of one and purchase of two new aircrafts) and in airport transport, the completion of the first phase of the new passenger terminal and arrival of two new airline companies, which started to fly regularly from Ljubljanas airport last year. Within freight transport, road transport has increased significantly, whereas maritime freight transport is still decreasing slightly, following the boom recorded in this branch two years before. In the final quarter last year, the volume of freight transport by rail decreased by 3.7% relative to the same quarter of 2006, whereas 2007 as a whole saw a solid 6.8% growth, which exceeded the average growth in the last three years (4.6%). Road freight transport strengthened by as much as 19.1% in the final quarter of 2007; the high 13.4% annual growth nevertheless fell short of the annual average of the last three years by almost 2.p.p. Against the background of favourable international trends, maritime freight transport increased by a respective 30.6% and 41.8% in 2004 and 2005, whereas it dropped by a respective 6.4% and 5.2% in 2006 and 2007. The fall in the volume of maritime transport in the final quarter last year (-8.7%) indicates that the slowdown continues. Harbour freight transport in the final quarter and in 2007 as a whole recorded only a slight increase, particularly compared to the high 22.5% growth in 2006 (average annual growth in the last three years totalled 9.5%). Road freight transport by domestic carriers recorded a much stronger increase than railway freight transport over the last few years, largely due to the increasing international transport (see graph). The volume of road freight transport (in tonne kilometres - tkm), which was almost as much as three times greater than railway transport in 2004, increased by 4,728 million tkm until 2007 (by 52.5%), whereas railway transport increased only by 454 million tkm (by 14.4%). In three years, road freight transport became almost four times greater than railway transport; the share of road transport within freight transport rose to 79.2%. Road transport growth strengthened particularly after Slovenias accession to the EU and mainly through increased international transport (see SEM 1/2008: 14). The largest increase was recorded in cross-trade transport and cabotage, by 2,161 million tkm (by 155.2%). International transport of goods loaded in Slovenia increased by 1,323 million tkm (by 49.4%) and international transport of goods unloaded in Slovenia by 937 million tkm (by 35.1%). National road transport in Slovenia increased by a mere 306 million tkm (by 13.5%).
Looking at freight transport, there was a significant increase in maritime and railway transport, while the volume of road transport remained roughly at the level from last years second quarter. After the volume of maritime transport fell by a fifth in the first quarter, it rose by 14.5% in the second quarter of 2007, year on year. The volume of transport has become more volatile in recent years, but the volume of goods carried has not contracted significantly relative to the global conjuncture witnessed in the industry in 2005. Maritime transport is one of the minor transport modes in Slovenia. Railway freight transport grew by 14.9% in the first quarter and continued to grow strongly in the second quarter. Harbour transport recorded a modest increase, while road freight transport did not increase in year-on-year terms in the second quarter, partly because of the very high volume of road transport seen in the second quarter of 2006. Data also show that the expansion in this mode of transport, boosted by the abolition of restrictions upon Slovenias accession to the EU, has moderated somewhat this year Slovenia is near the top among EU countries according to the volume of road freight transport per capita. The assessment refers to the volume of freight transport expressed in tonne kilometres, undertaken by freight vehicles registered in a given country. It measures carriage by domestic freight vehicles in the country of registration and abroad, and not the volume of transport within the territory of a given country. In 2006 by far the most per capita road shipments were performed by carriers registered in Luxembourg (18,766 tkm; see graph). Slovenian carriers (with three times lower freight transport per capita) were ranked second and performed 58.9% more transport than the average carrier in the EU. The high intensity of road freight transport in Slovenia is the result of the surging growth rates of road transport, particularly in 2004 and 2005 (27.9% and 22.5%). From the second quarter of 2004 to the second quarter of 2007, the volume of shipments carried by freight vehicles registered in Slovenia increased by 53.8%. Domestic transport rose by 23.9%, while international transport climbed by as much as 63.8%. Within international transport, the largest (3.2-fold) increase was recorded in cross-trade transport and cabotage (transport performed in another country). The well-developed shipping industry in Slovenia is attributable to Slovenias favourable position at the crossing of European corridors V and X. Transport on these corridors is increasing, and Slovenian carriers are exploiting new business opportunities. With Slovenias entry into the EU, a number of administrative barriers for carriage within the EU were removed for Slovenian carriers (especially the procurement of a limited number of licences). Slovenia also negotiated the possibility to perform cabotage in the EU-15 countries, which the Eastern European countries that joined the EU together with Slovenia will only be allowed to do after the end of a five-year period.
15:11
1 Abus Granit 54 X-Plus pounds 59.99 City cyclists pit their wits against bike thieves on a daily basis and a good-quality bike lock is essential. This Abus Granit 54X-PlusU-lock is made from hardened steel and is based on a motorcycle lock but is smaller and lighter. 2 Crank Brothers Candy Cpounds 44.99 (per pair)
Sir: I was surprised that in your countdown of the Ten Best Bike Accessories (30 August) you didnt include the most essential and least used bicycle accessory ” a copy of the Highway Code. KEW, SURREY
14:58
Joseph F. Mangan is a consultant in Scotch Plains, N.J. An informal survey of risk management and insurance professionals turned up some information thats hardly surprising. The survey asked respondents to rank frequently overlooked property exposures, and the clear winner was contingent business interruption.
More than Meets the Eye Risk managers dont have to satisfy a formal education requirement to get their jobs, but they still ought to be conversant with the content of insurance contracts. That familiarity, however, has a downside because it can be the source of a false sense of security. When they talk about appraisal under the terms of a property policy, textbooks, instructional materials and, instructors have, always had a tendency to presume that the parties have resolved all coverage issues before they resort to appraisal. Thats probably the effect of common sense lurking in the subconscious and exerting a powerful influence over what gets written or spoken. An appraisal is an expensive proposition and each party has to bear a share of the cost. Because the appraiser cant consider coverage issues, the thing to do is resolve them before incurring the expense of an appraisal. Thats just common sense.
* David Cameron Executive VP Benfield Group Minneapolis * David Duffy Managing Director Guy Carpenter New York * Thomas Johnson Managing Director Guy Carpenter Morristown, N.J.
9:42
Interior Design Company141 Normandy Las Vegas, NV 89101
Green with envy Herbert Ypma has slept his way across America to bring us this latest collection of “hip” hotels (did you know it actually stands for Highly Individual Places to stay?). The Avalon in LA (pictured) has the right glamour quotient - Marilyn Monroe stayed there for two years. Great for interiors fans and armchair travellers. `Hip Hotels USA, published by Thames Hudson, pounds 18.95
9:26
- 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.
Scott Burnett, licensed partner, Realtor and office administrator for the Jerry Long Real Estate Group at RE/MAX Associates of Topeka, has earned the nationally recognized e-PRO certification, a designation that is held by less than 1 percent of real estate agents nationwide. Burnett joined the Jerry Long Real Estate Group in March 1999. His primary responsibilities are general office management and client care, coordination of property showings, maintenance of current listing inventory, contracts pending and closing activities. Burnett is also actively involved in the creation of marketing and promotional materials. He attended Penn Valley Community College in Kansas City, Mo., and the University of Missouri-Columbia.
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.
8:31
Martial arts expert Steve Bindon told yesterday how he severed three fingers when a Samurai sword demonstration went horrifically wrong. Steve, 19, grabbed the razor-sharp blade by mistake as he “fought” with another karate expert at an Air Show in Fairford, Glos. “The guy I was with had the sword over my head,” he said. “I misjudged it and grabbed the blade.”
Students gather knowledge, strength and discipline
8:27
The alliance with Ace will help it supply its stores with more products, say Sodimac officials. Terms were not disclosed. An Ace company official says the deal will allow Sodimac to compete with The Home Depot.
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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They argue that, if marijuana, cocaine, heroin, and other drugs were legalized, several positive things would probably occur: (1) drug prices would fall; (2) users would obtain their drugs at low, government-regulated prices, and they would no longer be forced to resort to crime in order to support their habits, (3) levels of drug-related crime, and particularly violent crime, would significantly decline, resulting in less crowded courts, jails, and prisons (this would allow law-enforcement personnel to focus their energies on the “real criminals” in society); and the drug production, distribution, and sale would no longer be controlled by organized crime, and thus such criminal syndicates as the Colombian cocaine “cartels,” the Jamaican “posses,” and the various “mafias” around the country and the world would be decapitalized, and the violence associated with drug distribution rivalries would be eliminated. By contrast, the anti-legalization camp argues that violent crime would not necessarily decline in a legalized drug market. In fact, there are three reasons why it might actually increase. First, removing the criminal sanctions against the possession and distribution of illegal drugs would make them more available and attractive and, hence, would create large numbers of new users. Second, an increase in use would lead to a greater number of dysfunctional addicts who could not support themselves, their habits, or their lifestyles through legitimate means. Hence crime would be their only alternative. Third, more users would mean more of the violence associated with the ingestion of drugs. These divergent points of view tend to persist because the relationships between drugs and crime are quite complex and because the possible outcomes of a legalized drug market are based primarily on speculation. However, it is possible, from a careful review of the existing empirical literature on drugs and violence, to make some educated inferences.
IN the ever-changing world of business, legal intricacies are common. In fact, it is becoming ever more complex, making it challenging for executives not equipped with adequate legal knowledge. Providing solutions with an in-depth analysis of legalistic approach is one of the trainings given to graduates with legal degrees. Realising this, Universiti Kebangsaan Malaysias (UKM) Faculty of Law, in collaboration with the Centre for Educational Extension (PKP) of UKM, offers a Master in Business Law (MBL). The programme is to fulfil the legal disparity of the executives in meeting the challenge of solving legal problems in an increasingly complex and dynamic international business environment.
Legal Research
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* How have the events of Sept. 11th changed air travel? * What are some of the top ten “must-knows” concerning the new FAA regulations? * Why have the new regulations eliminated curbside baggage-check? * What are some other changes? * What can consumers do to minimize travel delays that are likely to result from these new regulations? * How are airlines working to minimize delays? *Have the regulations also changed booking travel on the Internet?
Cornish F. “Con” Hitchcock is a travel expert and with more than 20
years experience as a passenger advocate at both the Aviation
Consumer Action Project (ACAP) and Ralph Naders Public Citizen. An
attorney, Mr. Hitchcock is chairman of the Orbitz Consumer Advisory
Board, the consumer advocacy arm of the Orbitz.com travel Web site.
Apr 2, 2007 Preview: Business Travel Show 2007 in London The size of the new venue is demonstrative of the growing success the shows have enjoyed since they began. The floor space at Earls Court is almost double that of Olympia National Hall, where the Business Travel Show has been held for the past six years and the Travel Technology Show since its first year, 2004. All 17,000 sq m (55,774 sq ft) are packed with stands from leading companies in the industry, with some 70 new exhibitors at the Business Travel Show and 35 at the Travel Technology Show. The Advice Centre and oh-so-topical Carbon Offset Zone greet you as you enter the Business Travel Show. Visit the former to get independent advice from the ITM (Institute of Travel Management) on buying and booking business travel, and the latter for the latest news on environmental issues and how to offset not only your companys emissions, but your journey to the exhibition as well.
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From Kimber [ILLUSTRATION OMITTED]
The shotgun comes with checked walnut stocks and features automatic eject when the action is opened. The finish is glass-beaded, black-oxide metal.
Riding ShotgunRita Mae Brown. Bantam Books, 1996. 356 pp. $8.99Cig is a widow with two children and a full life of worry and pressure. Her favorite pastime is fox hunting on horses. While on a fox hunt, Cig is led back in time to her ancestral home in a fantasy sequence, and learns more about what is truly valuable to her.
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7:11
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PROVO — Habitat for Humanity of Utah County and Community Action Services are teaming up to offer a free home-maintenance course for first-time homebuyers and other interested community members. The course is eight sessions and will be held monthly the last Wednesday of every month starting Sept. 27. Each session will focus on different ways to repair and maintain your home. Participants are encouraged to attend all eight sessions but may attend only the sessions they are interested in, as well. Those completing the entire course will receive a simple, step-by-step manual and a completion certificate. The course will be offered in its entirety every eight months.
PROVO — A free home maintenance class will be held Wednesday for first-time homebuyers and community members interested in learning more about basic plumbing. Keith Cornia from BC Plumbing will be the presenter. The class is part of a five session course that is offered by Habitat for Humanity and Community Action Services.
PROVO — A free home maintenance class will be held Wednesday at 5:30 p.m. at Habitat ReStore, 626 N. Freedom Blvd., for first-time homebuyers and other interested community members. The class is part of a five-session course offered locally by Habitat for Humanity of Utah County and Community Action Services. The course will be offered in its entirety every five months. No registration is required. Participants need only to come to the class. The course is sponsored by the Ashton Family Foundation. Contact Kena Mathews at 801-344-8527 for information.
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In particular, the authors analyze the influence of long-term inflation expectations on inflation, as well as the anchoring of inflation and expectations. If influence has risen over the last several decades, there should be a correlation between expectations and the actual behavior of inflation during that period. If inflation and expectations have become more anchored over time, they will be less sensitive to news about the economy–for example, the public expects the Federal Reserve to act to control inflation in the face of indications that it is rising. Clark and Nakata find modest evidence that the influence of expectations on actual inflation has increased since the late 1970s and that inflation and expectations have become somewhat better anchored. In other words, expectations about inflation have somewhat more influence on inflation than they did 20 or 30 years ago, and when the inflation rate increases sharply, it tends to return to baseline more quickly than in the past. The authors also assess the role of economic shocks–sudden, unexpected changes to inflation, to inflation expectations, and to other macroeconomic variables. Such changes are usually caused by external factors, such as the oil price shocks of the late 1970s. If shocks to inflation have become smaller over time, the differential between core inflation and long-term expectations–which the authors call detrended inflation–would tend to decrease. Clark and Nakata use the regression errors in their model as a measure of sudden changes (shocks) in inflation. They find that the increased stability of inflation and expectations in recent years is largely due to smaller shocks to the economy.
One of the most important costs of inflation the uncertainty it creates about future inflation. This uncertainty clouds the decisionmaking of consumers and businesses and reduces economic well-being. Without this uncertainty, consumers and businesses could better plan for the future.While most previous studies have found a positive relationship between inflation and inflation uncertainty, a few key studies have not. Previous studies may be flawed, however, because they ignore a general downtrend in inflation uncertainty that has occurred over time. Reasons for the downtrend–which is independent of the level of inflation–are not well understood. Nevertheless, accounting for the downtrend is important in determining the true relationship between inflation and inflation uncertainty.This article accounts for the downtrend in inflation uncertainty and finds unambiguous evidence that inflation uncertainty rises with inflation. The first section identifies the consequences of uncertainty about inflation and discusses some likely causes of the positive relationship between inflation and inflation uncertainty. The second section reviews the results and inconsistencies in previous research. The third section presents empirical evidence resolving these inconsistencies and pointing to a robust positive relationship between inflation and inflation uncertainty.
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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.
Monday May 5, 2003 will go down in history as a day to remember in employment law. It was the day the long-debated amendments to the Health Safety in Employment Act finally came into effect. Why is this new legislation so important? The term “workplace stress” took on a whole new significance, with new obligations for employers, and potentially serious financial consequences for those who ignore them. Workplace stress is no longer simply a sad fact of life. It is now an officially recognised and legislated “workplace hazard”, with the amendments extending the definitions of “harm” and “hazard” to include physical and mental harm caused by work-related stress. A cursory reading of the new legislation might be enough to instantly treble employers workplace stress, but a deeper understanding goes some way to restoring mental equilibrium. The Occupational Safety and Health booklet, Healthy work, Managing Stress in the Workplace, tells employers that “there is only a requirement to manage work stressors or the individuals stressed situation where you can be reasonably expected to know about the stress. Even then the obligation is only to do what is reasonably practicable in the circumstances.”
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GREEN is becoming the new white — at least when it comes to weddings. As people continue to seek “greener” alternatives in everything from their food to transportation, more engaged couples are taking the plunge into conservation efforts for their wedding day, too. Tim Reese, a farm supervisor for the Three Rivers Park District in Minnesota, says each year more couples inquire about what they can do to leave less environmental impact on their wedding day.
NAPLES, Fla. — The beautiful white sands of Naples Beach framed by a spectacular Gulf of Mexico sunset will be the location on June 8, 2008 of a free destination wedding for twenty people, including the bride, groom, and 18 of their family and friends. The Paradise Coast of Naples, Marco Island and the Everglades in Southwest Florida is a dream location for many couples planning a romantic beach wedding, and destination weddings complete with wedding party and guests is a growing trend. Couples should use their creativity and originality to tell their 2-minute video story. A panel of judges will select five finalists and then the public will be allowed to vote online between January 15 - 31st for the couple they think should win the Wedding in Paradise. The winning couple will be announced on the Paradise Coast Web site on February 14, 2008.
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Because James believed in other realms of consciousness and that higher energies can be harnessed for human empowerment, he might also be considered the father of modern self-help spirituality. The ecumenism of the self-help genre is also quintessentially Jamesian, says Theo Anderson. For James, spirituality is presented as an unmediated relationship between the individual and the divine. Institutions only get in the way (Wilson Quarterly, Summer).
Cognitive behaviour therapy is well regarded and evidence based as a treatment for depression. But practitioners are in short supply. The Glasgow START project has sought to remedy this with a combination of self-help workers and a range of materials and courses often delivered in surprising settings. Chris Williams et al describe how the project works Full title: Using self-help in Practice: the Glasgow START Project. Authors: Ann McCreath and Theresa OBrien are nurse trainers, NHS Greater Glasgow. Liz Rafferty is self-help lead, NHS Greater Glasgow.
Self-help groupsMost self-help groups are voluntary, non-profit associations open to anyone with a similar need or interest; however, spin-off groups also exist to meet the needs of particular types of people; for example, the elderly, women, or Hispanics. Usually, groups are led by peers, have an informal structure, and are free (except for small donations to cover meeting expenses). However, professionals of various kinds lead some self-help groups.
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Staffordshire County Council is aiming Sundays event at beginners and bikes and helmets will be available for hire. There will be a 20km ride, starting from the Marquis Drive visitor centre, at 2pm suitable for children and adults. The cost is pounds 3.
Made for any kind of terrain, TH!NK bikes are as comfortable on smoothly paved roads as rugged gravel trails. The electric bikes allow riders to use their own leg power, but have easy pedal-to-motor drive switching.
In strict training once again are those indefatigable bike riders, Rodney Boot, managing director of Holman Marketing (or HML as we are to start getting used to calling it) and Roy Clegg, chief executive of Tradex Insurance. The bike ride takes place in June, so you have sufficient time - but doing it now would be a good idea - to make a donation. Cheques made payable to Mencap Promotions Ltd either to Rodney at 34 The Broadway, Wickford, Essex, SS11 7AN, or to Roy at 12 Pepper Street, Glengall Bridge, Isle of Dogs, London E14 9QY
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The company recently launched a national expansion effort, and now provides transportation in Boston, Las Vegas and Washington, D.C.
GREAT food, cheap wine and an unspoilt landscape make France the most popular destination with Britons for short breaks and longer holidays. JACQUI THAKE takes a trip through the countryside of Limousin. AS we planned the morning hike across the countryside of Limousin our French hostess urged us: “Make sure you wear your baskets.” Confusion turned to hilarity when we realised that baskets in French meant trainers. Anyway, suitably booted for our expedition round the magnificent Lac du Causse in the Couze Valley, we set off in high spirits as the sun had come out at last.
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San Jose
San Jose: Introduction
San Jose: Geography and Climate
San Jose: History
San Jose: Population Profile
San Jose: Municipal Government
San Jose: Economy
San Jose: Education and Research
San Jose: Health Care
San Jose: Recreation
San Jose: Convention Facilities
San Jose: Transportation
San Jose: Communications
San Jose: CommunicationsSan Joses daily newspaper is the San Jose Mercury News. The metropolitan area is also served by such publications as the weekly The Business Journal and the San Jose Post-Record, a daily legal newspaper. Among the bilingual newspapers published in San Jose are the Vietnam Daily Newspaper, La Oferta Review, a twice-weekly Spanish newspaper, and El Observador, a Latino weekly.
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During the late 19th century, climbers who conquered Alpine peaks such as the Matterhorn and Mont Blanc managed to do so without the benefit of synthetic fleeces and lightweight tents. Indeed, one of their number, the Italian Vittorio Sella, even lugged his old- fashioned camera with him every step of the way. It was worth the effort, though, as his stunning records of the views from the top confirm. Frozen in Time is an exhibition of the epic pictures Sella took, first in Europe and later in north Africa, Alaska and the Himalayas. Estorick Collection, London N1, Wed to 14 Sept
David Sandison, picture editor of The Independent on Sunday, was the runner-up in the Photo Essay category of the Nikon Press Awards.
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Group offers free business advice
Competing against the big box retailers is a challenge for Kansas small-town businesses, but state programs can help their owners work toward success. “There are so many challenges that face small mom-and-pop or individual business owners,” said Jeanne Stinson, state coordinator for the Kansas Main Street Program. “Theyre faced with huge competition from the big box stores and most of them, I think, in Kansas have learned to live with that competition. Its not going to go away.” “Promotional activities are one of those four points,” she said. “We also look to the organization itself — their group. Who is doing this work and making sure that its adequately funded, that they have the ability to do their advertising and to make assistance to businesses.”
Travel agencies say cruise sales rise after initial plunge
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Search Engine Optimization Inc. (SEO Inc.), the Internets premier search engine company, leads the industry in achieving top search engine rankings for clients seeking greater online visibility. Our mission is to improve client placement in Internet search engines, and leverage this visibility to help our clients improve their Web branding, increase sales and maximize returns from their online activities. We have produced impressive results for blue-chip clients such as Microsoft, ATT Broadband, VEGAS.com, Sierra Trading Post, IGN.com, Beaches Resorts and Sandals Resorts, usually yielding an immediate return on investment. We offer a comprehensive suite of services that include linguistics-based keyword selection, organic search engine placement, pay per click management, Web analytics, detailed SEO reporting, personal project management and Web development and design, plus services such as customer-mail marketing and consumer business profiling to support clients marketing efforts. Our long track record has led to our recognition by the Academy of Web Specialists as a Certified Advanced Search Engine Marketing Strategist, a title awarded only to those firms that employ the most proven and ethical methods of search engine optimization.
Attendees will learn about the $12 billion per year Internet marketing industry, including search engine optimization, the history and future of Internet search engines, pay-per-click (PPC) sponsored traffic techniques and Web analytics to fine-tune online marketing for much higher return-on-investment (ROI). The conference will cover alternatives to pay-per-click (PPC) marketing on Google and Yahoo! with an in-depth look at Microsofts new PPC search engine MSN AdCenter, as well as using the other search engines to lower the cost per visitor. A discussion on PPC Click Fraud will be included.
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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.
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.
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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THE FINAL vacation days of summer are rapidly approaching. Traveling with pets can be great fun, but if your dog or cat hates to travel, the trip could be your worst nightmare, and hers, too. What arrangements do you need to make? Some dogs and cats do perfectly well in a boarding facility, while others do better when they stay in their own home. For a pet who will stay at home, a reliable friend or family member who can sleep over in your home is best for a dog. A cat will be OK alone for a short time with someone regularly visiting to give her food, water and some human companionship. If you dont have a friend or family member who can come do this for you, numerous bonded and insured pet sitting services are available.
Rockin on the River If you dont already have plans today, head south to Pueblo for the third annual River Rockn Blues Fest at the Greenway Nature Center. The music starts at noon and continues till 10 p.m. and features local and regional blues groups, as well as guest star Billy Earl McClelland from Alabama. No pets or alcohol permitted. Call (719) 549-2414 for more.
The joys of flying on your birthday have been much discussed in this column: cakes, champagne and even upgrades can be laid on for the celebrant. But Kate Thorman of Oxford found that becoming 12 provided her with a Catch-22 problem. “So, on the one hand Kate is old enough to pay the adult fare, but on the other hand she is too young to travel without a paid escort,” says her exasperated father. At this point, Mr Thorman gave up and booked with another airline; then poor Kate found her birthday flight delayed by four hours at Birmingham airport. “Come back, Gorbachev, all is forgiven,” pleads Philip Robinson of Sheffield. “The last time I visited my friend in Minsk, this city was in the USSR. I flew to Moscow, took a train to Minsk, and all was well.”
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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.
Watson Land Co., a private real estate investment trust and developer, has elected Edward A. Landry to its board. Landry is a senior partner at law firm Musick Peeler Garrett in Los Angeles.
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Top 25 commercial interior design firms in the Los Angeles area Ranked by total fees
Ranked by 1999 L.A. County billings THE No. 1 commercial interior design firm in L.A. is Gensler, which is marking its 35th year in the business. It was named architecture firm of the year by the American Institute of Architects in December, the first time Gensler has received the award.
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Divorces Kathleen vs. Abdul-Hameed Erby.
Divorces
Divorces Terry R. vs. Sharon G. Hughes.
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NOT SO CUT AND DRY AFTER ALLYou might think that residential real estate appraisal would always be a straight-forward matter, regardless of the economic climate. After all, the appraisers task is to estimate a propertys value as of the date the property is inspected, without necessarily forecasting future real estate trends.At a time when local values continue to head downward, residential real estate appraisers are faced with many new challenges.
For real estate appraiser Jonathan Bernz, going into business for himself hasnt changed the perception of his profession. “Many people dont have much of a clue what a real estate appraiser really does,” Bernz, a Yorktown Heights resident, said. “Even friends of mine that Ive known for 25 years - if I see them at a cocktail party or something, theyll say to me oh, so how many houses did you sell this year? I usually just respond to that by saying well, you know, I didnt really sell any this year.” Located in Mount Kisco, Hudson Property Advisors is a real estate advisory services company specializing in appraisal and consulting of commercial, industrial, large scale residential, special purpose properties and vacant land in the Hudson Valley area.
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Snobbishness and condescension ooze from every sentence of Mr. Douthats essay, and his one-size-fits-all dismissal of the films screened at the American Film Renaissance festival (the festivals movies were often awful in fascinating ways, but they were awful nonetheless) strikes me as typical liberal shallowness. How could he make such a blanket statement if he had seen the excellent documentary Entertaining Vietnam, a film that has won best-documentary awards in multiple film festivals around the U.S.? And it appears he did not take the time to see our documentary, Silent Victory (which has received positive reviews from audiences liberal and conservative), before painting us with the same negative brush. Not only that, but apparently Mr. Douthat felt he had to make snide remarks about the physical characteristics of festival founders Jim and Ellen Hubbard (bouffant hair, heavyset man with a hangdog air). Of what relevance could his opinion of what they look like be to the content of the films in the festival?
MOVIES West Ridge 6 Theaters, 1801 SW Wanamaker Rd. (inside West Ridge Mall), 273-1414. West Ridge 8 Theaters, 1727 SW Wanamaker Rd. (outside West Ridge Mall), 272-8580.
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South Georgia Motorsports Park is a state-of-the-art track. I spoke to some of the drivers who tested there prior to the race in Gainesville, and they loved the place. We are looking to build a facility to house our cars and the school [at the Georgia site]. That will be our southern location. Cecil County is an excellent facility. Its located not far from Baltimore, Washington, D.C., Philadelphia, and parts of New Jersey.”
New Home Plans For 2006 One Thomas Circle, NW, Suite 600, Washington, D.C. 20005