Online News

Invites Students and Professionals to Showcase Their Design Skills Using Sitemashers Online Platform The Sitemasher Website Design Contest, which runs through March 1, 2009, is a professional development opportunity for those looking to prove themselves in the fast evolving design market. Tools like Sitemasher change the rules for website building, making it fast, easy and inexpensive to develop and manage highly interactive websites. Participants in the contest will get an opportunity to showcase their skills by tapping into the power of this new platform, which combines an intuitive website builder, content management, analytics, search engine optimization and website hosting in one powerful online tool. At Sitemasher, we foresee a day very soon when folks strive to prove themselves as mashers - ones who have mastered our platform and are able to deliver sophisticated, pixel perfect websites in record time, said Nicole Denil, Sitemashers vice president of marketing. Our goal is to give the design community the power and performance of high end, high cost tools but in an affordable, much more manageable manner. Our online platform automates the complexity of building and managing a website so the emphasis can be on delivering a killer website in less time and less cost.
The site challenges expectations of a materials company by using design to provide a highly visual, easy to navigate materials resource. Content includes simple, non-technical descriptions of Eastmans products and demonstrates their use through application successes, providing links throughout for additional information. It is an innovative resource for designers and brand owners that facilitates awareness of Eastmans products and enables inspiration for new products. In addition, it encourages the improvement of existing products, the development of new market categories and the stimulation of the senses.
“It was tremendously important for me to be able to create a site that
represents and further pushes our white-on-white brand tradition. I
wanted to eliminate the clutter while still being fully intuitive and
ensuring that our award-winning work remains the focal point of the site
experience,” explained Fabian Geyrhalter, Principal and Creative Director
of Geyrhalter Design.

“Additionally, as technology progresses, users expect ease of navigation
and accessibility of both company information and important insights. We
believe weve achieved this not only with our clean layout and design, but
also through our news section and blog: a space for thoughts inspirations
and critiques.”

The new site, which has been designed and developed in-house, is fully
scalable, creating a full-screen experience when surfing through the vast
portfolio section, also labeled Project Wall. Geyrhalter.com features
deep linking technology and relies on xml-driven copy, making it easy to
update and creating an environment that is search engine friendly while
delivering an engaging flash experience.

Orange County Website Design Service

TWO new NHS dentists are set to be recruited in Whitley Bay. The move is as part of pounds 300,000 investment by North Tyneside Primary Care Trust to improve access to NHS dentistry in the borough. Details on how patients will be able to access the services will be announced once the dentists have been appointed. Chief executive Chris Reed said: Im really pleased to announce this additional investment in NHS dentistry for North Tyneside.
DentistBUSINESS PLAN#x00A0;#x00A0;#x00A0;#x00A0;#x00A0;STANLEY M. KRAMER, DDS, LLC The goal of this business is to provide high quality general dentistry with a moderate to high price using the highest technology possible. Prices will be justified by the advanced technology used and the lifestyle conveniences that the dental practice will offer. The dental practice will be positioned as a place one can get high quality dental work in an environment of convenience and technology.

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Unity PrintingOwner: John Wilkerson Address: 2024 W. 2nd St., Little Rock, 664-2223 Start-up date: June With 19 years of printing experience, John Wilkerson decided to open his own printing and typesetting business, Unity Printing.
Eight of the 12 categories showed an ad spending increase in June compared to last year, including Automotive (+34.2%), Services/Direct Response (+22.6), Retail (+22.3) and Horticulture/Farming (+15.3). The Travel (-26.6%), Computers (-14.9), Software (-7.0) and Telecom (0.3) categories showed spending declines. Half of the categories showed an ad page increase, led by Horticulture/Farming (+87.9%), and half showed an ad page decline.
To avoid wasting advertising dollars, it is a good idea to develop a checklist for proofing all printed advertising. The doctor and staff can use this list to approve ads and avoid costly mistakes. If there is no one on staff who has mastered the talent of proofreading, consider using the services of a professional proofreader to make sure all your materials look professional. As you prepare your marketing campaign, keep the following in mind.

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Exercise and Cancers: Research Opportunities for Health-Related Fitness ScientistsRepresentatives from the American Cancer Society (ACS), the National Cancer Institute (NCI), and the Centers for Disease Control (CDC) will challenge AAHPERD members to contribute to cancer prevention and control, describing the most promising research opportunities and resources to support investigation of the relationships between cancers and exercise. The presentation will be based on a synoptic article being developed by the ACS and the Office for Health Promotion of Northern Illinois University. Ruth Corcoran of ACS will describe a proposed collaborative research agenda, suggesting that two sets of consensually developed guidelines are needed to promote such research: one set to facilitate dissemination of what experts already know to the public and providers (including exercise specialists); and a second set to facilitate further collaborative research. Speakers from CDC and NCI will outline what is known about these topics, and how exercise scientists can contribute to further development (see accompanying abstracts). Presenters will recommend a process to develop research priorities, involving cancer experts, public health scientists, and relevant interest groups in AAHPERD. Members will be asked to contribute ideas for a research agenda.The Cancer-Exercise Agenda: Opportunities in Applications Research
School physicals To celebrate National Community Health Centers Week, Community Health is offering a special rate for school and sports physicals. Through Sept. 1, the physicals will cost $25 - or less for those who qualify for further cost reductions. The usual charge is $71. The physicals are offered from 10 a.m.- noon and 3-8 p.m. weekdays at Community Healths Immediate Care Clinic, 2858 International Circle. No appointments are necessary. For information, call 630-6440, Ext. 6363.

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DICK YORK: Committing our office to a computerized property management system a few months ago, I shopped for the right software. Altogether I looked at about ten different property management systems. I made a list of my minimum requirements, then eliminated some systems just from reading the brochures. Yardi Systems brochure was suspicious; it claimed to do too many things too cheaply. Finally, I called Yardi anyway. Al Yardi answered the phone. I liked that. My questions were answered. I had found a program that was user-written. I like vertical applications that are user-written. Every programmer claims his program is user-friendly, which means your check is in the mail. Professional programmers usually have no idea what u sers reallyu need. Al is a real estate broker, a property manager who wrote this program to fill his own needs. The program is simple and adequate. We found a glitch, but an update was promptly sent. Since then it has never failed us. Yardi Systems would not be adequate for a large professional property management company, but is more than ample for a smaller company or individual owner. It expands easily and can accommodate as many accounts as you wish. It writes checks, including recurring payables; gives you vendor year-to-date totals, which is basically the 1099. It has a compressed mode of printing which allows 8-1/2 x 11 paper. It will produce a customized message on tenant statements. On and on. We use it to track payments on notes, mortgages, and land leases as well. Yardi didnt design it for this, but the system is flexible enough to alter for your own accounts.

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Health Alliance Medical Plans last month announced its coverage of two over-the-counter drugs formerly available by prescription only: Wyeths Alavert and Procter Gambles Prilosec OTC. Health Alliance will require members who have prescription drug benefits to obtain a written prescription from their physicians for the new over-the-counter drugs in order to receive coverage. The news at Health Alliance follows Medco Health Solutions expansion of its Generics First program in June to include Wyeths analgesic Advil and allergy remedy Alavert.
Developing a “Culture of Safety” A year ago we wrote about the complex process involved in identifying, categorizing, and assessing medical error in health care in the United States (”Assessing Medical Error in Health Care,” Health Progress, November– December 2001, pp. 14-17). That article discussed the 1999 Institute of Medicine (IOM) report on medical error, “To Err Is Human,” and the erosion of public trust in U.S. health care.
Part II, explanatory economics, represents the bulk of the book. The economics of demand, price elasticity, risk aversion, and the effect of insurance on the demand for medical services are explained clearly and well. Behavior of suppliers in the medical care market is reviewed, with attention given to differences in for-profit and not-for-profit organizations. A solid explanation of competitive markets allows discussion of timely issues such as the limits of applicability of the competitive model to the medical care market, price and nonprice competition, and market power of providers, purchasers, and patients. Outside readings on current managed competition proposals would augment the textbook discussion well.A short section on the economic effects of information asymmetries in the medical care and health insurance market introduces the concepts of supplier induced demand and adverse selection. Both discussions are short, but the portion on adverse selection especially needs expansion. More rigor, explanatory graphs, and a more extensive bibliography would make the adverse selection concept more useful. This topic is critical to a sound understanding of the functioning of medical expense insurance.The final section deals with value judgments and evaluative economics. The nontechnical explanation of efficiency versus fairness criteria for evaluating medical care policy is somewhat cursory. More technical material is needed to improve the precision of this discussion. However, even without any additions, the text provides a general background on issues of access to medical care, affordability, and quality of care. The difficulty of making allocation decisions given scarce resources is clearly laid out and opens the way for a discussion of policy alternatives.

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Gifts 15 East 26th Street, 15th floor, New York, NY 10010
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.
Gry can call animals to the hunt, and Orrec has the ability to unmake life with a glance. But Gry doesnt want to betray the animals trust, and Orrec blinds himself rather than risk accidentally destroying someone. But choosing not to use their powers greatly upsets their parents and their lineage.

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Williams has been with JBIS for more than 13 years and has developed insurance products and programs for midsize to large organizations, including governmental entities and publicly and privately held corporations.

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Climate: The year saw continued efforts to re-evaluate how auto insurance companies determine premiums and there was a move to expand by two local insurers. Woodland Hills-based 21st Century Insurance aggressively expanded into New Jersey, Florida, Georgia Pennsylvania while Calabasas-based Countrywide Insurance Group moved into Arizona, Nevada, Illinois, Indiana and Colorado. Companies in the News: 21st Century; Countrywide; Farmers Insurance; WKFC Agency Inc., a New York-based insurance company that opened a Warner Center office in August. Farmers Insurance opened an employee training center in Agoura Hills.
> Insurity, a national provider of business-processing services and technology to the property-casualty insurance industry, has named JERRY MARKLAND to the position of chief technology architect. Markland comes to Insurity from Benefits Technology Group where he was chief technology officer, and he previously co-founded StarNex, a company that linked brokers and insurance companies online through BrokersPortal, an information and communications center for the insurance industry.
> Roland Julian has been elected president of the Independent Insurance Agents of Arkansas in Little Rock. Julian is an owner of the Rogers Insurance Agency of Rogers. Other elected officers include Steve Buelow, Anderson Frazier Insurance of Hope, president-elect; Tim White, Dunn Murphy White Insurance of Russellville, vice president; Jeff Block, MF Block Insurance of Paragould, secretary/treasurer; Dan Troutt, United Insurance of Harrison, immediate past president; and Mike Moss, Mike Moss Agency of Siloam Springs, state national director.

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Real estate practice is a broad and widely defined area of the law. In a pristine sense it deals with the esoteric subject of real property law and titles. In practice the subject matter handled by real property lawyers is much broader. Many of the areas of law within real estate practice are areas of specialty themselves. Real estate lawyers examine and evaluate real property titles, handle real estate sales, purchases and other transactions, foreclose mortgages, represent developers and contractors in drafting and negotiating development and construction agreements, handle real estate financing, structure and draft the governing documents for planned developments such as condominiums, serve as counsel to community and condominium associations, draft and negotiate leases, litigate title, boundary, and other land disputes, and advise clients respecting zoning and land: use matters. The examination of real estate titles requires knowledge of corporations and other forms of business organization, wills, trusts and estates, and a practitioner handling transactions must understand contractual, business, and tax subjects as well. The subjects that are tested on the certification exam attest to this diversity. They are title issues; real estate finance; environmental and land use; condominiums and homeowner associations; landlord tenant; closings; sellers, buyers, brokers, and title insurers; real property litigation; taxation of entities and other tax issues; and ethics. Some hold an impression that at least some aspects of the real estate practice are not challenging, that the practice is increasingly title company, form, and paralegal driven, and that when business is light any lawyer with a good paralegal can Ado real estate closings. This impression is not accurate. As with any area of practice, successfully representing clients in real estate matters requires knowledge, skill, and experience. The diversity in real estate practice may mean that no one lawyer can be an expert in each practice area encompassing the modern real property practice or that are tested by the certification program. That, however, is not a reason to not seek certification. The committee recognizes that few lawyers are likely to possess specific and detailed expertise in each of the many subjects that fall within the scope of real estate.
Noonan has nine years of experience in sales and marketing, specializing in North County coastal neighborhoods.
Mary Skiffington has joined the fine homes residential division of Cassidy Associates Real Estate, Inc. Peter Middleton, real estate sales agent for RE/MAX of La Jolla, has been ranked among the top 100 RE/MAX sales agents in California for sales volume from January to June 2002. Gina Drucker and Karen Pado have joined RE/MAX of Rancho Bernardo as a real estate sales team. International Real Estate has added Eric B. Shwisberg as vice president and general counsel.

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The Wallmaster line of packaged terminal air conditioners is a cost-effective heating and cooling system. The units feature mechanical thermostat limiters and built-in dampers that give operators more ways to control costs. They fit into standard 16-inch by 42-inch sleeves. Top-mounted return-air filters are readily accessible.
The company has added a 20-ton unit to its line of vertical, self-contained air conditioners. Features include single-point power connections and removable side and front panels. All models offer static capabilities up to 1.4 in. E.S.P. with standard motors and efficiencies up to 10.2 EER. Westfield, MA
Air ConditionerAir conditioning systems vary considerably in size and derive their energy from many different sources. Popularity of residential air conditioners has increased dramatically with the advent of central air, a strategy that utilizes the ducting in a home for both heating and cooling. Commercial air conditioners, almost mandatory in new construction, have changed a lot in the past few years as energy costs rise and power sources change and improve. The use of natural gas-powered industrial chillers has grown considerably, and they are used for commercial air conditioning in many applications.

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Business Editors TRUMBULL, Conn.–(BUSINESS WIRE)–June 21, 2002 Imagistics International Inc. (NYSE: IGI), formerly Pitney Bowes Office Systems, today announced the launch of its first nationwide advertising campaign to build brand awareness and national recognition for its office document equipment and solutions.
Unity PrintingOwner: John Wilkerson Address: 2024 W. 2nd St., Little Rock, 664-2223 Start-up date: June With 19 years of printing experience, John Wilkerson decided to open his own printing and typesetting business, Unity Printing.

Print on Demand

1 According to the distinguished Colin Goodwin, of Autocar, the 1975 restyle of Fords coupe was the first acknowledged face- lift. The human version was becoming popular in showbiz.
FACE-LIFTS, and surgical procedures to make the face look younger, are nothing new. Medical techniques that have made them a reality are fairly recent, but mythological texts spanning many centuries and many cultures (from ancient India to Hollywood) have imagined what the consequences might be if those who wished for a new face were to get what they wished for. Contemporary accounts of cosmetic surgery differ in many ways from mythological treatments of the theme; where the modern technique constructs a new face ex nihilo, most myths imagine the exchange of one face for another, existing face. Both sets of stories, however, frequently express the desire to have not just any face but ones own face as it once was in the past–to masquerade as ones younger self, as it were. And the myths, at least, demonstrate that this is a foolish, impossible, or even fatal desire. It is my contention that the myths are right, and that the lessons they teach should be taken seriously by people contemplating real, surgical face-lifts. Many myths about face-lifts were conceived by cultures far from the worlds of cosmetic surgery in Europe or the United States. Here is a story from a late medieval Indian Sanskrit text: Parvati is a woman divided against herself–or, rather, a woman forced by her husband to divide herself into two polarized halves. Shiva likens her to a black snake when he teases her, and like a snake she sloughs off her black outer sheath to reveal her golden inner form. The creation of a double is her solution to the problem of Shivas womanizing (more precisely, goddessizing); insulted and rejected, she walks out on her unfaithful, hyper-critical husband. But she does not stay away for long: Eventually she sends back a more acceptable form of herself, the golden goddess. The chopped off, negative Kali is banished to the liminal area of the Vindhya Mountains (the southern region that composers of the ancient Sanskrit texts in the northwest of India regarded as beyond the Hindu pale, the place to dump things that you did not want in the story any more); the remaining golden form becomes the female half of the androgyne. I have discussed elsewhere (Doniger, 2000) the apparently racist aspects of this myth; ancient Indian authors did not have a recognizable concept of race, though they did have negative ideas about people with dark skin, whom they sometimes regarded as lower-class or even out-caste. But we cannot ignore the parallels with the uses of cosmetics in our own day to change characteristics stereotypical of race–hair straightening, light makeup, and, of course, the surgical transformations of Michael Jackson.
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Then there is the stirring Go Tell It On The Mountain and Theres No Christmas Without You.
For Americans the celebration of Christmas is often considered one of the most important holidays of the year. Because of the diverse heritages and customs in addition to Kwanzaa a tradition begun in the later part of the twentieth century the American Christmas consists of traditions from not only the German but English Dutch and other Eastern European countries as well. Having religious significance Christmas also celebrates the child found in each individual and the desire for peace. Falling during the same month as the Jewish observance of Chanukah or Hanukkah (the Feast of Lights) and the African-American celebration of Kwanzaa the season of Christmas serves as a time of celebration feasting and a search for miracles.While Christmas generally is considered the celebration of Jesuss birth the early Puritans who settled the New England region refused to celebrate the occasion. Disagreeing with the early church fathers who established the holiday around a pagan celebration for easy remembrance by the poor the Puritans considered the observance secular in nature. Set during the winter solstice when days grow dark early Christmas coincides with the Roman holiday of Saturnalia; the date December 25 marks the celebration of Dies Natalis Invicti Solis or the birth day of the Unconquered Sun by the Romans. Puritans believed that these pagan customs which included no work feasting and gift giving were inappropriate for the celebration of the Lords birth. While the northern colonists did not observe the day the southern colonists celebrated in much the same style as their British counterparts–with banquets and family visits. Firecrackers or guns were used to welcome the Christ Child at midnight on Christmas. The residents of New York (New Amsterdam) celebrated the season in a similar fashion as their Dutch ancestors had with St. Nicholas Day (December 6) established to honor the patron saint of children. Gradually all observances became centered around the date December 25 with traditions becoming mixed and accepted between different ethnic backgrounds.
Whenever you are asked, “Are you ready
for Christmas” do you feel like the real question is, “Have you finished
your Christmas shopping?” Has the exchange of “presents” begun to interfere
with your ability to be truly “present” at Christmas time?

If your gift-giving list is so long that you secretly hope your recipient
isnt home when you drop off their gift, I encourage you to remember that
it is your presence that is most valued.

Giving the gift of presence allows you to be truly in the moment with the
one you are with.

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Q I would like to learn how to design and create my own Website. I already have good computer skills and think Web design knowledge will make me more appealing in the job market. Can you recommend any books on HTML and Java?
Small business Internet solutions provider, Positive Design, has launched its new website platform, PD-go!.

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MY MARRIAGE IS AN ABOMInation. An Ohio churchs sign in the spring 2006 issue of Conscience said so, and we all know the church is always correct. They have that red phone that connects directly to up above, right? No, I am not gay. Neither is my wife. The sign said a marriage for any reason other than love and procreation was an abomination. Gays love each other as much as straight people. The reason the union of a same-sex couple is an abomination must be because they cant procreate. Most states do not allow same-sex marriage. If this is all about offspring, perhaps we should take the next step: Require the betrothed to pass fertility tests before they can get a marriage license. Of course, this means that postmenopausal ladies will be unable to wed. This also brings up the question of what to do about couples who are already married and become sterile. Can they stay married if they have children, even though they cant have more? If you dont reproduce within 10 years of your wedding date, should your marriage automatically expire? Same-sex couples can adopt, and lesbian couples can even be pregnant at the same time–double the production capacity, of a heterosexual union. This apparently doesnt count as being able to procreate.
Your article on marriage (Keep Fedgovs Hands Off Marriage, January 12 issue) was right on. Any amendment is dangerous because it opens up our Constitution to other changes. Laredo, Texas

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Byline: By Andrew Hirst AS close to a ballad as theyre likely to get. The guitars do get heavy, but Justin Hawkins voice never blasts off into the usual soprano-sounding stratosphere. New in at five.
Makers of guitars are not naive. They know that the guitar is a symbol and make guitar straps that adjust so that the guitar can be worn as an amulet that rests lightly over the wearers groin; it hints at iceberg depths unseen, at movement below, and wards off the twin evils of impotence and effeminacy.Fingers that run lightly over guitar strings, spider-fine and quick, are fingers that know the subtleties of stringplay, that can alternate between a sadistic pizzicato, a gentle plucking and a steady strumming. Beware those fingers. They work at tugging heartstrings into foreplay and sing you a melody thats chilly with unrequited love. And then hes no longer under someones window now sentimental-serenading; hes in your bed with all his guitarists tricks.Hes in your bed because you invited him in. He had the unnatural advantage of a stage and though his face was pale and shadowy he wore red; he wore a valentines day heart-red waistcoat, dressed otherwise in black, and he didnt talk much.

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BUYER ZONE: ONLINE BANKS STILL BATTLE CONSUMER DISTRUST. ITS BEEN A STRENUOUS BATTLE FOR Internet-only banks since they emerged in 1995. The concept of a bank surviving solely on the Web seems promising–unlike other online businesses, banks dont have to deal with inventory warehouses or product returns. But customers arent signing on, and profits are slim to none. Still, Internet-only banks would seem to be the way to go for entrepreneurial businesses, whose finances are more complex than the average consumers but usually small enough to be handled in-house. Why not choose banking at the comfort of your own desk over trekking down to the local bank branch to stand in line? Also, because Internet-only banks save money by handling operations online–for example, theres no need to rent office space and then outfit it–they pass those savings on to you in the form of high interest rates on checking and savings accounts, beating traditional banks typical 1 percent or less interest rate with a more robust 5 percent.
A small and powerful group of Arab American financiers have learned that helping others make money is very profitable for the bankers themselves “Banking was too boring and slow,” says Ziad Abdelnour, president and CEO of Blackhawk Partners in New York and the founder and president of the U.S. Committee for a Free Lebanon. These Arab American financiers have the commonality of heritage, but the diversity of every ethnic and minority group in America. Some have moved up the corporate ladder; others have gained fortune-if not fame-building their own financial empires. Some came from

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This month, Rockstar Games, the maker of the video game series Grand Theft Auto, launched Bully, a game with themes of school fighting. In March, Floridas Miami-Dade County School Board called on retailers not to sell the game to minors and required the school district to warn parents about the potentially harmful effects of playing violent video games.
Literature Review PEDIATRIC/ADOLESCENT CARE * Bullying Glew G, Rivara F, Feudtner C: Bullying: Children hurting children. Pediatr Rev 2000; 21(6):183-89. The authors outline effective methods of questioning to identify victims and bullies; to encourage parents to organize a meeting between school representatives, all parents, teachers, and the school psychologist; to give children strategies for bullying encounters; to encourage families and teachers to continue to communicate; and to follow children who may develop serious emotional problems that require psychotherapy referral.

In general, children who become the targets of bullies have a negative view of violence and go out of their way to avoid conflict. They tend to be “loners” who exhibit signs of vulnerability before being singled out by a bully. Being victimized leads these children–who are already lacking in self-esteem–to feel more anxious and thereby increase their vulnerability to further victimization. Being the target of a bully leads to social isolation and rejection by peers, and victims tend to internalize others negative views, further eroding their self-esteem. Although bullying actually lessens during adolescence , that is the period when peer rejection is most painful for victims. In a number of well-publicized cases (in Scandinavia, Japan, and Australia, as well as the United States), adolescents tormented by bullies have been driven to suicide .

Evidence indicates that bullying is not a phase a child will outgrow. In a long-term study of more than 500 children, University of Michigan researchers discovered that children who were viewed as the most aggressive by their peers at age eight grew up to commit more (and more serious) crimes as adults. Other studies indicate that, as adults, bullies are far more likely to abuse their spouses and children.

Further Reading

For Your Information

Books

• Olweus, Dan. Bullying at School: What We Know and What We Can Do. Cambridge, MA: Blackwell, 1993.

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Big Brother winner Anthony Hutton has hailed the regeneration of his home town. The 24-year-old, who was made an ambassador for Derwentside after his 2005 success, recently returned to Consett after living in London. Anthony said: It is great to see new homes going up in Consett as it plays a part in the regeneration of the town. It is a great place to live.

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FINANCEDividend policy is the decision regarding funds to be distributed or returned to the equity investors. This can be done with common stock dividends, preferred stock dividends, or stock repurchase by the business of its own stock. The aim of this decision is to retain the resources in the business that are required to run the business or make additional investments in the business, as long as the returns earned exceed the required return. In theory, management should return or distribute all resources that cannot be invested in the business at levels in excess of the required return. In practice, however, dividends are often maintained at or changed to certain levels in order to convey the proper signals to the investors and the financial markets. For example, dividends can be maintained at moderate levels to demonstrate stability, maintained at or reduced to low levels to demonstrate the growth opportunities for the business, or increased to higher levels to demonstrate the restoration of a strong financial (capital) structure (debt and equity capital) for the business.Capital is the total of financial resources invested in the business. In terms of the sources, there are two types of capital: interest-bearing debt funds, such as loans, bonds, short-term notes, and interest-bearing payables to trade suppliers; and equity, such as common and preferred stock and the earnings retained in the business that add to stockholders share of the entities. In terms of uses, there are also two types of capital: net working capital, such as operating cash, inventory, and receivables, less interest-free payables to trade suppliers; and fixed capital, such as property, plant, and equipment. Capital is managed to maximize wealth by maximizing the rates of return on investments of capital and thus maximizing the total net present value of the business. This can be done by minimizing the amount of capital used for given business investments with given business returns.Weighted average cost of capital is the weighted average of the returns on investment or future dividends for the stockholders and interest rates on debt for the creditors. This average return should be used as the required return for investments, as mentioned earlier, because it represents the weighted average of the required returns of all the different debt creditors and equity investors. It also represents the weighted average of the costs that can be saved by the business if the resources or financial funds are returned to the creditors and investors instead of being used for investments within the business.
There are three tiers of investment banks operating in Arkansas. The firms that do business on a nationwide basis have a strong presence in the larger cities and towns in the state. Names such as Merrill Lynch, Smith Barney, Prudential Securities, Dean Witter and Paine Webber should be familiar to most readers. Due to their size–with thousands of brokers across the country–and their financial clout, these firms stand out in the following areas: broad product line, research on national companies, broker training, and the ability to raise large amounts of capital.If you prefer to do business with companies that are headquartered a little closer to Arkansas, you still have plenty of choices. The multi-state or regional operators have captured a significant share of the Arkansas investment market. This category is represented by names such as Morgan Keegan, A.G. Edwards, Stephens and Edward D. Jones. Being close to home affords these companies the following advantages: strong research and market making for the securities of local and regional companies, and the ability and desire to raise capital for local corporations and governments.The local operators comprise the remaining tier of investment banks. This tier is split into two groups–divisions of commercial banks and independent companies. Many of the commercial banks offer investment services as a part of their trust operations. The larger banks in the state, such as First Commercial, Worthen, Twin City, Arvest and Simmons have separate investment departments that market to institutional and individual customers. A primary benefit of working with these companies is one-stop shopping or convenience.
Meridian Capital announced the following transactions: * A $3.525 million mortgage for a 19,000 SF retail property in Levittown, N.Y. The loan featured a 6.75% rate and a 10-year term. Charles Grussgott arranged the financing for this transaction; * A $2.6 million mortgage for a six-story, multi-family building on Hinckley Place in Brooklyn, N.Y. The loan featured a 6% rate and a 10-year term. Aaron M. Birnbaum and Carol Shelby arranged the financing for this transaction;

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For women only Women can learn about heart disease, menopause, infertility and other health issues at a Womens Health Fair, 10 a.m.-2 p.m. Saturday at Chapel Hills Mall. Sponsored by Memorial Hospital, the health fair will include $5 bone-density screenings for osteoporosis for the first 400 women. Women also may talk to a nurse about breast self-exams.
Source: Global Forum for Health Research

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A newly discovered three-act play by Hemingway intimate Jane mason, believed to be the model for Margot Macomber in Hemingways The Short Happy Life of Francis Macomber. The play involves the love intrigues of rich Americans big game hunting in Africa in the mid-1930s, and offers a view of adultery, sexual politics, gender roles, fundamental values, and the hunt for happiness. Written in the vein of social satire, Safari includes thinly disguised Hemingway acquaintances such as Mason herself, her love Richard Cooper, white hunter Philip Percival, Bror von Blixen, and Isak Dinesen. **********
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This year, the Great Circle Air Safari hopes to raise enough funds for the RFDS to purchase replacement aircraft ($8 million each, funded by the Australian community). It also wants to publicize on the “mantle of safety” that the RFDS provides for people who travel in regional and remote Australia.-Chris Fletcher

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When we launched our `free internet real estate listing business model on August 8, 2006, we knew we had a great product that was designed and formatted to serve the growing number of homeowners wanting to sell their own homes. We however had no idea that FSBO Channels would be so well received that demand would prompt the successful launch of 18 websites in less than two months. We are very pleased with the incredibly positive responses coming from hundreds of buyers and sellers every week, said Ray Whitmer, CEO. FSBO Channels provides all homeowners in 16 cities with a free no strings attached internet venue on which they can list and promote the sale of their own home. Only the power of the internet provides sellers with the level of exposure they need to get a successful sale. Buyers no longer go to a real estate agent to find homes for sale, they use the internet. Some 80% of all buyers and sellers start the process on the internet, making the internet the most important marketing tool available to sellers, says Bert L. Bill, COO. The other cities and states where FSBO Channels offers its totally free FSBO real estate listings are:
Icon Las Vegas 200 Convention Center Drive Las Vegas, Nevada 89109
Las Vegas Real Estate has levels of affordability not seen in years. Location for renting and timing of purchasing are keys for investors buying discounted properties for a sustainable return on their money, said John and Ruth Ahlbrand, Co-Founders of RE/MAX CENTRAL. Many professional investment groups and Hedge Funds are investing now, as the absorption rate is showing that the demand is increasing, thus decreasing the supply of homes. Our homes are priced for positive cash flow, appreciation, and a profitable exit strategy. We have available for download an informative PDF about the past, present and future of Las Vegas Real Estate. This is actionable information for investors, with charts explaining the initial investment, vacancy rates, income and expense, cash on cash return and more. The presentation can be utilized as a guide and reference point for making informed decisions about the market. Download the PDF by registering via our Contact us page.

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CALIFORNIA ORIGIN OF STATE NAME: Probably from the mythical island California in a 16th-century romance by Garci Ord#xF3;nez de Montalvo. NICKNAME: The Golden State. CAPITAL: Sacramento. ENTERED UNION: 9 September 1850 (31st). SONG: I Love You, California. MOTTO: Eureka (I have found it). FLAG: The flag consists of a white field with a red star at upper left and a red stripe and the words California Republic across the bottom; in the center, a brown grizzly bear stands on a patch of green grass. OFFICIAL SEAL: In the foreground is the goddess Minerva; a grizzly bear stands in front of her shield. The scene also shows the Sierra Nevada, San Francisco Bay, a miner, a sheaf of wheat, and a cluster of grapes, all representing Californias resources. The state motto and 31 stars are displayed at the top. The words The Great Seal of the State of California surround the whole. COLORS: Yale blue and golden yellow. ANIMAL: California grizzly bear (extinct). BIRD: California valley quail. FISH: South Fork golden trout. MARINE MAMMAL: California gray whale. REPTILE: California desert tortoise. INSECT: California dog-face butterfly (flying pansy). FLOWER: Golden poppy. TREE: California redwood. ROCK: Serpentine. MINERAL: Native gold. FOSSIL: California saber-toothed cat. LEGAL HOLIDAYS: New Years Day, 1 January; Birthday of Martin Luther King, Jr., 3rd Monday in January; Lincolns Birthday, 12 February; Presidents Day, 3rd Monday in February; Memorial Day, last Monday in May; Independence Day, 4 July; Labor Day, 1st Monday in September; Admission Day, 9 September; Columbus Day, 2nd Monday in October; Veterans Day, 11 November, Thanksgiving Day, 4th Thursday in November; Christmas Day, 25 December. TIME: 4 AM PST = noon GMT.Situated on the Pacific coast of the southwestern US, California is the nations 3rd-largest state (after Alaska and Texas).
Mass transit will receive about $4 billion, with another $1 billion dedicated to transit safety and disaster-response planning. The measure is not project-specific. However, the Los Angeles region should get at least $1 billion, with another $1.8 billion to be spread throughout northern California. Among the possible projects for inclusion: an extension of the Los Angeles Red Line subway; expansion of light rail in L.A., San Francisco, San Diego, and Sacramento; and the proposed BART extension to San Jose.

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Goldman v. Goldman, 711 N.Y.S.2d 128 (2000). The New York Court of Appeals held that a mortgage conveyed to an attorney on a spouses interest in a tenancy by the entirety during a pending divorce proceeding survived the final entry of judgment of divorce. Affirming the intermediate appellate court, the state high court noted that a tenancy by the entirety is a form of real property ownership available only to parties married at the time of the conveyance. Under this type of ownership, both spouses enjoy an equal right to possession of and profits yielded by the property, and each may sell, mortgage, or otherwise encumber his or her rights in the property, the court explained. Once the legal relationship between the spouses is judicially altered, such as by divorce, the tenancy by the entirety converts to a tenancy in common.
OAKLAND — Hans Reiser may have faced contempt of court charges on suspicion of failure to pay more than $50,000 in back child support and was informed a week before his wife, Nina Reiser, disappeared that he would stand trial in the matter and could face fines, jail time or both if found guilty, the missing womans divorce attorney testified Monday. Nina Reiser disappeared after dropping her son, Rory, and his sister, Nio, at Hans Reisers home in Oaklands Montclair district on Sept. 3, 2006. Hans and Nina Reiser were undergoing a bitter divorce at the time of her disappearance. Her body has never been found, despite exhaustive searches in the Oakland hills. Hans Reiser has been in custody on a murder charge since shortly after his estranged wife went missing.
A group of area attorneys has formed a collaborative practice to settle divorce cases without going to court. The collaborative model is a supportive, team approach that helps the divorcing couple move on with their lives and minimize the overall emotional impact of divorce on the family, especially the children, said Julie Simmons Rivers, founder and president of Family Law Solutions. The collaborative practice approach is built on mutual problem- solving - divorcing couples agree to resolve their matters without going to court.

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That trend is evident in Phar-Mor Inc.s newest prototype, a 50,000-square-foot unit with a large beauty care department the deep-discount drug chain unveiled earlier this year. Phar-Mor opened a version of the prototype on the East Coast this summer, marking its first foray into New Jersey. The new store, in Moorestown, is doing some interesting things with skin care.Open-mindedness toward innovation in skin care merchandising is not limited to the chain drug channel. Supermarket retailers, long the also-rans among mass marketers in the category, are beginning to experiment with larger skin care departments and higher-end products.One regional Sunbelt chain plans to increase its skin care mix by a third before the end of this year, with higher-priced facial products it had not carried before accounting for almost all the increase. The retailer also plans to experiment with free-standing skin care displays, end-caps and promotional price reductions this winter. It will double the amount of space devoted to the category in most of its stores and begin running ads devoted solely to skin care for the first time.
Forty-two percent of all respondents agreed that supermarkets “need less health and beauty and more unique groceries.” (25% agreed strongly.)
The health and beauty market encompasses a wide variety of sectors and for the purposes of this research incorporates haircare, oral care, shaving products, deodorants and body sprays, and personal washing items. The categories, together, are worth more than 2.2bn [pounds sterling] annually. The second largest category was deodorants and body sprays, and once again they all performed well with deodorants and male body sprays rising 8% each, while female body sprays rose 3%. The best performer was Lynx male body spray worth 50m [pounds sterling] and rising 11%. To put this figure into perspective, the second player in this sector was Addiction at 3m [pounds sterling]. Sure Body Responsive was the leading deodorant brand at 47m [pounds sterling], up 30%. Right Guard followed at 29m [pounds sterling]. Female body sprays were led by impulse at 23m [pounds sterling], and up 10% this year.

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ONCE THOUGHT TO BE THE DEVILS BREW COFFEE IS A GOD-SEND FOR ENTREPRENEURS FUELLING THE GLOBAL CAFFEINE OBSESSION You know that coffee is a big and profitable business when the drinks and snackfood giant, Coca-Cola Amatil, turns its attention to it. TWo years ago it bought Grinders Coffee, whose founder Giancarlo Gist is one of Australias coffee pioneers. But while coffee roasting may be a profitable business, the story of the humble café is very different.
Cappuccino coffee is named after the Capuchin friar: the frothy white milk was thought to look like a friars cowl.
CoffeeA driving force behind coffees global popularity is its caffeine content: a six-ounce (2.72 kilograms) cup of coffee contains 100 milligrams of caffeine, more than comparable amounts of tea (50 milligrams), cola (25 milligrams), or cocoa (15 milligrams). Caffeine, an alkaloid that occurs naturally in coffee, is a mild stimulant that produces a variety of physical effects. Because caffeine stimulates the cortex of the brain, people who ingest it experience enhanced concentration. Athletes are sometimes advised to drink coffee prior to competing, as caffeine renders skeletal muscles less susceptible to exhaustion and improves coordination. However, these benefits accrue only to those who consume small doses of the drug. Excessive amounts of caffeine produce a host of undesirable consequences, acting as a diuretic, stimulating gastric secretions, upsetting the stomach, contracting blood vessels in the brain (people who suffer from headaches are advised to cut their caffeine intake), and causing overacute sensation, irregular heartbeat, and trembling. On a more serious level, many researchers have sought to link caffeine to heart disease, benign breast cysts, pancreatic cancer, and birth defects. While such studies have proven inconclusive, health official nonetheless recommend that people limit their coffee intake to fewer than four cups daily or drink decaffeinated varieties.Coffee originated on the plateaus of central Ethiopia. By A.D. 1000, Ethiopian Arabs were collecting the fruit of the tree, which grew wild, and preparing a beverage from its beans. During the fifteenth century traders transplanted wild coffee trees from Africa to southern Arabia. The eastern Arabs, the first to cultivate coffee, soon adopted the Ethiopian Arabs practice of making a hot beverage from its ground, roasted beans.

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Working in collaboration, RONA and the Vancouver Organizing Committee for the 2010 Olympic and Paralympic Winter Games (VANOC) partnered with community organizations to set up the Fab Shop, where small wood products required at the Olympic and Paralympic venues are built. The Fab Shop is also host to the delivery of a community-based training program providing carpentry skills training and supported job experience to individuals who have yet to successfully enter the workforce. The program is taught by a Red Seal-certified carpentry instructor and three supervising carpenters. It is certified by the Industry Training Authority (ITA), the agency overseeing British Columbias industry training and apprenticeship system. A total of four groups of trainees will go through the Fab Shop 30-week carpentry training program until 2010.

“As a National Partner of the Vancouver 2010 Olympic and Paralympic Winter Games, RONA is truly helping build Canadas Games,” said Michael Brossard, RONAs Senior Vice President of Marketing. “Community-based programs such as the Fabrication Shop are a great example of how we can contribute not only towards building Olympic and Paralympic venues but to building lives as well.”

HARRY HILL, comedian: No. It was easy to spot my parents on sports day because they were the ones crying. We were all so inactive at my school, there was ivy on the climbing frame. JAMES ELLROY, writer: No. However I did enjoy the persistent rumour that the boys shower room adjoined the girls shower room, and if you were lucky you could find a crack in the wall and look through and see naked young women. I was never an athlete but this kept me showering while I was in junior high and high school. IAIN SPROAT, Minister for Sport: I played rugby, soccer, cricket, tennis, table tennis, golf, racquets and squash with varying degrees of skill but always with great enjoyment. I learnt things that I could not have learnt so well, if at all, from academic lessons.

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(SCEG), the lakes owner. Gneiss, which will be used in the backup wall, will come from a new 60-acre quarry, one-eighth mile downstream. Blasting to excavate rock at the quarry can be done without damaging the existing dam and nearby homes, SCEG says.
CENTRAL SOUTH CAROLINA Whether you have your sights set on an ideal location for a large automotive facility or a regional headquarters, the Central South Carolina region can help turn your vision into reality. With a wide variety of sites, including the largest certified megasite on the Eastern Seaboard at approximately 1,263 acres, the Central South Carolina region is fertile ground for companies looking for abundant access to intellect, interstates, incentives, and infrastructure. Santee Cooper was established in 1934 by state enabling legislation to provide power to stimulate South Carolinas rural, agrarian economy. Today it is the source of power for more than 2 million South Carolinians. This number includes more than 156,000 retail customers in Berkeley, Georgetown, and Horry counties, the municipalities in Bamberg and Georgetown counties, more than 30 large industries, a major military base, and customers of all 20 electric cooperatives in the state.

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Coca-Cola Enterprises (CCE) is embarking on an aggressive sampling campaign of its relaunched Minute Maid fruit juice brand, aimed at further challenging market leader and PepsiCo-owned Tropicana. CCE now plans to keep up the momentum with a sampling campaign of Minute Maid 100% juice in 200 major multiple stores, followed by sampling of Minute Maid Froot Refresh drink in 70 urban centre sites.

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FME Workbench is a graphical interface that allows users to develop custom translations. FME Plug-In Builder API is an application programming interface that allows users to add new data formats and processing capabilities to the FME core. FME Objects API is an application programming interface that allows users to add reading, writing, and processing capabilities to applications. FME Themes for ArcView is an ArcView extension that gives users direct read and view access to supported data formats.

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The use of general anaesthesia outside hospitals is to be ended in Scotland after a 10 year old boy died in a dental surgery during a procedure to have a tooth removed. An inquiry into the death of Darren Denholm has severely criticised the doctor and two dentists involved and has recommended that they be reported to their professional organisations for disciplinary action. He recommended that action be taken to end the use of general anaesthesia outside hospitals equipped with resuscitation facilities. The Scottish health minister, Susan Deacon, responded immediately by promising to introduce such a ban. I share the sheriffs concerns, and that is why I have asked my officials to work with clinicians to phase out the use of general anaesthetic in these circumstances as soon as possible, she said. The inquiry report also criticised the decision taken by the General Medical Council in 1997 to grant Dr Evans-Appiah full registration despite a history of problems related to his competence. Doctors at Borders General Hospital raised concerns with the GMC in the early 1990s after becoming concerned about the standard of his work. He was later sacked by Falkirk Royal Infirmary in 1993 after he administered the wrong drug to a woman after a caesarean section. Experts at the fatal accident inquiry described his anaesthetic practices as dangerous, bizarre, inappropriate, and inept.

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Another North East dental practice is leaving the NHS to go private. David Surtees and Associates in Whitley Bay is the latest practice to reject new Government contracts, which dentists claim will not provide enough cash for quality care. In a letter to patients the dentists said: This decision has not been made lightly.
North East people are avoiding visiting the dentist because of a phobia, according to a new survey. The survey, sponsored by HealthSure, found that although treatment today is pain-free, one in five people across the country who dont visit the dentist regularly are simply too scared. The survey was conducted by the British Dental Health Foundation.

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Building unbeatable teams is the key to successful organizational growth. The Academy of Medical-Surgical Nurses (AMSN) has been successful for the last 12 years because we have learned the benefits of team building. Although our board is made up of eight volunteers who are elected by our members, we know the value of accomplishing our vision and strategic plan can only be operationalized by being team players. AMSN is like a flock of geese. If you ever see birds flying south for the winter, you may notice that they fly in tandem, with any one in the flock being capable of taking the lead in various situations. To build a team, partnerships must be developed among team members based on integrity and mutual respect, work groups must be developed that stimulate people to reach their highest potential, and pride must be taken in serving others. AMSN has determined that the objective of our team is to serve our constituents by being ever mindful of our mission, vision, and strategic plan, which is a work in progress. The most important contribution our team must make is to be successful for our membership.
Team building is popular with most companies management and has been so for the past few years, as evidenced Dilbert. Its not actually easy to build a team using team-building activities. Cynicism aside, it does happen like that sometimes, and anyone whos been part of it knows it can be wonderful. The trouble is, you simply cant summons up a successful project. Management, consultants, and trainers think you can generate strong team feelings with a simulated project or a social event. Its worth a try, but far from easy to come up with a team-building event that doesnt cause more trouble than it solves. For example, picture Dilbert, Tina, Alice, and the gang accidentally feeding a teammate to a bear.
Making teams more productive is a constant issue for most managers, according to Marcus Goncalves, author of Team Building. “Productivity is, of course, the essence of what makes business competitive, but it is particularly important in times of economic slowdown such as the one we are currently experiencing,” the author says. This book is mainly designed for those who have been assigned team building and management responsibilities; for project and team managers, project and team leaders, or anyone performing in those roles. The book is divided into two sections. The first provides the fundamentals of team building, covering such topics as fostering a culture of change and mastering team building and management. The second section provides additional perspectives and tools for developing teams, such as valuing team diversity and team-building activities.

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Its time to assess your post-holiday physical fitness level; and if your exercise routine the past month consisted of running errands to the mall, now may be the perfect time to consider a personal trainer to help you maximize your time and financial investment. Many of todays personal trainers have college degrees in kinesiology, exercise physiology, sports medicine or biomechanics, and are specifically trained to deliver physical fitness training programs, said Jason Block, director of personal training for the Michigan Athletic Club (MAC). “The level of certification, education and training for personal trainers has risen dramatically. A bachelors or masters degree in a health-related field is the norm now,” said Block, who has a masters degree in kinesiology from Illinois State University.
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> THE millionaire managing director Nick Gilodi-Johnson, 37 - who prompted outrage by sending luxury hampers to wealthy friends after the collapse - is one of the bosses being sued. He earned pounds 62k a year. Chief exec William Rollason, 47, earned pounds 275k. The other three being sued are customer services boss Joanne Ponting, 31, finance chief Stephen Hicks, 54, and company secretary Stevan Fowler, 50.
Community wardens in South Tyneside are doing their bit for older people in the borough. They plan to give away several hampers to lucky senior citizens but first they need to fill them. The wardens are asking the people of South Tyneside to donate food in tins or jars, biscuits, chocolate, jam and other treats. Residents can drop off their gifts of food at donation boxes at the town hall and housing offices.
We can all do without extra hassle at Christmas which is why the long-running saga of the collapsed Farepak Christmas savings scheme has been followed with such interest. Its a kind of National Lottery in reverse, with 23,000 hampers ordered and only 19,000 set to be delivered. Who will the unlucky ones be - it could be you! There will undoubtedly be Huddersfield losers among those who thought they were acting prudently in spreading the load of Christmas expenses. So we didnt need on top of that, the problems of 27 customers at Lowerhouses waiting for gifts and cash from Home Farm Hampers.

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FEBRUARY IS National Pet Dental Health Month, and for good reason. Just like humans, the dental health of our pets is directly linked to their general health and quality of life. According to the American Veterinary Dental Society, our pets dental health is the most overlooked aspect of their care, and more than 80 percent of dogs and 70 percent of cats show some signs of gum disease by age 3. We cant check the sink for pink when it comes to our dogs and cats, so what exactly should we be looking for when checking an animals mouth for dental problems? The most common symptom of dental problems in our dogs and cats is bad breath. But dont rely on the breath test alone. The best thing to do is to pull up their lips and look at their teeth and gums. The gums, especially the gum closest to the base of the tooth, should be a healthy pink color and there should be no swelling or bleeding, which would indicate gingivitis. Healthy teeth should be white, not yellowed or discolored, and you should not see any evidence of tartar buildup on the teeth or at the gum line. When doing this exam, check for broken or chipped teeth. If you notice any problems at all, schedule an appointment with your vet so he can examine and treat any problems.
Byline: GTP WITH reference to the letter from Joseph B McManus in the Examiner, I am sorry to disappoint him but fluoride was not added to Huddersfields water supplies until after 1974 (possibly as late as 1977). Joseph would then be in his 20s. It is probable that his excellent dental health is due to his diet as a child; that is no sugary drinks and no sweets.
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A list of mortgages filed with the Oklahoma County Clerks office is published daily in The Journal Record. Information listed for each mortgage includes book and page numbers, names of the mortgagor and mortgagee, mortgage loan amount, property description, and (when available) the propertys street address. Listings of mortgagor and mortgagee do not necessarily include all those party to the transaction. B 7664 P 1455 — Peter J. Strauss to American Capital Mortgage Co Inc, $54,959, L6 B1 Southern Hills Addn, Edm; 216 SE 29th Street, Edmond OK 73013.
A list of mortgages filed with the Oklahoma County Clerks office is published daily in The Journal Record. Information listed for each mortgage includes book and page numbers, names of the mortgagor and mortgagee, mortgage loan amount, property description, and (when available) the propertys street address. Listings of mortgagor and mortgagee do not necessarily include all those party to the transaction. B 7099 P 242 — Gregory V. Brasher and Kimberly J. Brasher to Sunbelt National Mortgage, $868,000, L15-16 B1 Augusta Farms Addn; 3700 E. Red Deer Crossing, Edmond OK 73034. B 7099 P 199 — Robert Lee Rainey and Caridad Vidaillet Rainey to Mortgage Exchange Corp. of Edmond, $600,000, L7 Saratoga Farms Addn; 1653 Saratoga Way, Edmond OK 73003. B 7099 P 287 — The Mennonite Brethren Church of Edmond to Mennonite Brethren Foundation, $150,000, S2 SE4 SE4 SE4 Sec 7 T13N R2W IM. B 7098 P 1928 — Dallas T.A. Hilliard and Vivian J. Hilliard to Access Mortgage, Inc., $120,000, L7 B9 Willow Bend Sec 2 Addn; 8808 Northwest 116th Terrace, Oklahoma City OK 73162. B 7098 P 1956 — Bell Corporation to Boatmens, $96,000, L8 B1 Cedar Pointe Addn. B 7098 P 1645 — Hazel F. Mead to Sec of Hou and Urd Dev, $94,500, pt NE4 Sec 30 T11N R1W IM; 6201 S. Westminster Road, Oklahoma City OK 73150. B 7099 P 379 — Karin Genther Lemus and Jesus Lemus to Corinthian Mortgage Corp, $88,037, L8 B5 in Blks 4-6 Grenmoor Addn; 2424 NW 114th Street, Oklahoma City OK 73120. B 7098 P 1758 — Harold L. Friedline and Linda M. Friedline to United Companies Lending Corp., $75,700, L1 B14 Summers Place Addn; 1215 N Klein, Oklahoma City OK 73106. B 7098 P 1681 — Randall Morris Chitwood and Molly Dianne Chitwood to Transamerica Financial Services, Inc., $73,930, L14 B7 Willow Creek Addn. B 7099 P 215 — Jennifer Eileen Lindsey and Brian Lindsey to National Bank of Commerce, $67,350, L19 B2 Walnut Creek Estates Addn; 7300 Walnut Creek Drive, Oklahoma City OK 73142. B 7099 P 330 — Brenda K. Morgan to Seacoast Equities, Inc., $65,752, L7 B3 Lakeside Estates Addn; 10815 Sunset Boulevard, Oklahoma City OK 73120. B 7098 P 1698 — Robert G. Ludwig and Linda P. Ludwig to Harry Mortgage Co., $58,700, L30 B7 Hilldale Third Addn; 4201 N.W. 11th Street, Oklahoma City OK 73107. B 7098 P 1829 — Dan G. Burdette to Bank of Oklahoma, N.A., $57,855, L6 B2 Northwood VI Addn; 2604 Northwood Lane, Oklahoma City OK 73013. B 7098 P 1967 — Metro-Tech Electrical Contractors, Inc. to American Bank Trust, $56,257, NW4 Sec 15 T11N R4W IM; 3344 South Ann Arbor Avenue, Oklahoma City OK. B 7099 P 207 — Carol L. Gardner to Will Rogers Bank, $55,419, pt E2 SE4 Sec 24 T11N R1E IM; Rt 2 Box 67, Newalla OK 74857. B 7099 P 227 — Shawn M. Wright and Amy D. Wright to Bank of Oklahoma N.A., $50,493, L12 B10 Leonhardts Oak Ridge Addn; 3225 Chetwood Drive, Del City OK 73115. B 7098 P 1949 — Antonio Perez-Quiles and Lastenia G. Perez to Bank of Oklahoma, N.A., $50,000, L9 B6 Olde Towne Addn; 1646 Ember Lane, Midwest City OK 73130. B 7099 P 334 — Carolyn A. Jackson to Bank of Oklahoma, N.A., $41,000, Unit C-2 Brookhaven West Condos; 9524 Westgate Road C-2, Oklahoma City OK 73132. B 7099 P 259 — Ruth Carey McLean to Hallmark Government Mortgage, Inc., $35,000, L7 B1 Twin Oaks 1st Addn; 1201 NW 185th Street, Oklahoma City OK 73003. B 7099 P 221 — Timothy M. Hoffman and Jana K. Hoffman to NationsBanc Mortgage Corp., $34,476, L4 B12 Andys Subdiv; 6606 N.W. 29th Terrace, Bethany OK 73008. B 7098 P 1710 — Donald G. Montgomery and Ethel B. Montgomery to Centex Home Equity Corp, $33,150, L1 B6 Replat of B5-7 Cinderella Estates Addn; 4700 Cinderella, Oklahoma City OK 73129. B 7098 P 1753 — Larry D. Tempson and Jeannie L. Tempson to Equicredit Corp, $32,250, L40 B4 Cloverleaf Manor No. 2 Sec 1; 6408 Johni Terrace, Oklahoma City OK 73149. B 7098 P 1940 — Coydell Cole to TMS Mortgage, Inc., $32,000, L7 B9 Willow Bend Sec 2 Addn; 2117 Ray Ave, Oklahoma City OK 73121. B 7098 P 1689 — Gregory D. English and Ellery D. English Sr. to Local Federal Bank, $27,454, L25-26 B27 Altavue Addn; 1437 NW 95th Street, Oklahoma City OK 73114. B 7099 P 350 — Doris McGranahan and Mitchell L. McGranahan to Homecomings Financial Netwrok, Inc, $26,900, L41=42 B6 Central Park Addn; 615 N.W. 34th Street, Oklahoma City OK 73118. B 7099 P 239 — Billie Earlene McElroy to American Bank Trust, $25,000, L6 B4 Elwood Heights Addn. B 7099 P 240 — Glen G. Clayton Jr. and Machell R. Clayton to American Bank Trust, $25,000, L1-2 B6 Amended Plat of Johnsons Subdiv of B2,3 pt B6 Howes Capital. B 7099 P 341 — Doris G. McGranahan and Mitchell L. McGranahan to Homecomings Financial Network, Inc., $24,500, L21-22 B70 Putnam Heights Second Addn; 2113 NW 37th Street, Oklahoma City OK 73112. B 7098 P 1718 — Sheri Lynn Williams (refiled) to Bank of Oklahoma, N.A., $22,300, L13 B6 Chisholm Trail Sec I Addn; 11504 Stagecoach Trail, Edmond OK 73114. B 7099 P 249 — Joseph A. Foust and Karen G. Foust to The First National Bank of Bethany, $20,304, L34 B29 Replat of Atkinson Heights Addn; 208 E. Ercoupe Dr., Midwest City OK 73110. B 7098 P 1683 — Lola Mae McEwen and Robert McEwen to WEOKIE Credit Union, $20,000, L13 B3 Meridian Meadows First Addn; 4304 NW 56 Terrace, Oklahoma City OK 73112. B 7098 P 1772 — Tod E. Kessler and Christy M. Kessler to Seacoast Equities Inc., $18,900, L39 B4 Whispering Creek III Addn; 1612 Stepping Stone Trail, Edmond OK 73013. B 7099 P 295 — Richard John Blea and Dianna Jean Blea to McGuire Mortgage Co., $17,900, L21 B38 Rambling Acres Sec 4; 9101 Cindy Road, Oklahoma City OK 73132. B 7098 P 1729 — William R. Martin and Michelle A. Martin to Northwest Bank, $17,401, L22 B2 Sec 1 Galaxie Developments Four Seasons Addn. B 7099 P 299 — Patricia Y. Barker and Steven R. Barker to First National Bank of Midwest City, $17,276, L4 B12 Rhapsody Heights Addn Sec 2; 9413 Harmony, Midwest City OK 73130. B 7098 P 1922 — Linda Michele Cole to Hallmark Government Mortgage, Inc., $15,000, L3 B2 Westridge Addn; 4017 Westridge Street, Oklahoma City OK 73122. B 7099 P 308 — Nguyens Properties Inc to Kruger Investment Co., $14,000, L23-24 B13 Sadlers Industrial Heights Addn. B 7099 P 291 — Danet Joyce Trivette and Johnnie Lee Trivette to Pentagon Federal Credit Union, $12,000, L14 B3 Lake Park Second Addn; 8205 NW 31st Street, Bethany OK 73008. B 7098 P 1725 — D. Scott Myers and Brenda L. Myers to Stillwater National Bank and Trust Co., $11,500, L36 B3 Easgle Crest Addn. B 7098 P 1727 — Larry R. Anderson and Margaret J. Anderson to Northwest Bank, $10,278, L3 Hefner Hills II Addn. B 7098 P 1769 — Donald E. Sable II and Rebecca C. Sable to First American Bank and Trust, $, pt L4 B3 Northside Industrial District.
A list of mortgages filed with the Oklahoma County Clerks office is published daily in The Journal Record. Information listed for each mortgage includes book and page numbers, names of the mortgagor and mortgagee, mortgage loan amount, property description, and (when available) the propertys street address. Listings of mortgagor and mortgagee do not necessarily include all those party to the transaction. B 6886 P 1557 — Francis Investments to Quail Creek Bank, $400,000, L13-21 B1 Wilshire Boulevard Industrial Addn, OKC, etc.

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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.
Waylan Cooper has joined the firm in the area of bankruptcy law.
Participants included: John A. Adams from Ray, Quinney Nebeker; Robert M. Anderson from VanCott, Bagley, Cornwall McCarthy; Ted Barnes from Clyde, Snow, Sessions Swenson; Peter W. Billings, Jr. from Fabian Clendenin; David Connors from LeBoeuf, Lamb, Greene MacRae; Denise A. Dragoo from Snell Wilmer; Paul M. Durham from Durham, Jones Pinegar; Blame L. Carlton from Ballard, Spahr, Andrews Ingersoll; Raymondi. Etcheverry from Parsons Behle Latimer; David E. Gee from Parr, Waddoups, Brown, Gee Loveless; James S. Jardine from Ray, Quinney Nebeker; John S. Kirkham from Stoel Rives; Debra J. Moore, president-elect of the Utah State Bar, from the Utah Attorney Generals office, R Keith Nelson from Richards, Brandt, Miller Nelson; and Keven M. Rowe from Jones Waldo. Special Thanks to Scott M. Matheson, Jr., dean of the S.J. Quinney College of Law at the University of Utah, for moderating this months Utah Business roundtable. What are the challenges that youre facing individually right now and that you think lawyers are facing generally in representing your business clients?

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SEOUL, Dec. 20 Kyodo North Korea has asked the United States to provide childrens clothing in return for allowing the U.S. to continue joint recovery of remains of U.S. soldiers believed to have died during the 1950-1953 Korean War, a chief U.S. negotiator in talks with North Korea said Monday. Alan Liotta, deputy director of the U.S. Department of Defense Prisoner of War and Missing Persons Affairs, said the North Korean side made the demand at talks on remains recovery operations for next year in Berlin last week. Liotta said North Koreas linking humanitarian assistance to continuing recovery operations caused the Berlin talks to end without reaching any agreement on technical issues such as the timing and procedures for recovery work next year, but he hopes talks will resume in January.
Forget the toys and computer games - children would rather have new clothes and money for Christmas. Children as young as eight said they preferred clothes.

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Scottish Highland Hotels met the forecasts it made at the time of last Novembers flotation, reporting pre-tax profits for the year to October of pounds 2.13m, a 50 per cent increase on the previous year. The companys shares, which were placed at 125p, closed 2.5p higher yesterday at 152.5p. Scottish Highlands bumper profits followed a rise in the Glasgow-based companys occupancy rate from 73.4 to 75.5 per cent during the year and a jump in the room rate charged from pounds 47.78 to pounds 49.83. Pro forma earnings per share rose 24 per cent to 10.3p and a dividend of 0.5p was announced, although the company said it would have paid 3p had the shares been listed for a full year. The successful flotation of Scottish Highland followed hot on the heels of the withdrawal of the planned flotation of Principal Hotels after a glut of hotel floats in 1996.
Scottish Highland Hotels shrugged off the shelving last week of rival Principal Hotels planned flotation. It is pressing ahead with its own market debut next month and yesterday signalled its confidence by sticking with the placing price of 125p a share it settled on in September. With six hotels in Scotlands central belt and only 525 bedrooms, Scottish is small even by the standards of the overpopulated, fragmented hotel sector. Its biggest challenge will have been persuading investors that it has anything different to offer but sources close to the float say the placing, to raise pounds 13m, was twice subscribed. At the placing price, Scottish will be valued at pounds 30.4m, just 12.4 times post-tax earnings, making it one of the most cautiously priced issues. The company said it would have paid a full-year dividend of 3p, representing a gross yield of 3 per cent. The former fiefdom of the Fimmers family, which remains a sizeable shareholder, the company fell on hard times in the recession and management control was relinquished to the professional operations team who had previously reported to the family. Hamish Grossart was brought in as chairman. They transformed the company from a family plaything to a more focused business venture and since 1993, operating margins have risen from 21 per cent to a forecast of more than 30 per cent in the year ending tomorrow. Profits for the period just closing are estimated at not less than pounds 2.1m from sales of pounds 16.5m, up from the pounds 1.4m recorded last year before a one- off chunky exceptional gain that distorted the reported figure. Back in 1993, profits of only pounds 242,000 were made from sales of pounds 14.9m. When dealings start on 11 November, Scottish should get off to a healthy start. Thereafter it will have to take its chances in a seriously overcrowded market.

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

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SmartDraw.com has released its Healthcare Solution software, featuring more than 50,000 symbols with specialized healthcare templates. This software allows users to make diagrams and images for patient and staff education, case management, presentations, and more. The retail price of SmartDraw Healthcare Solution is $449, but it is being offered at an introductory price of $297. A free, 30-day trial version is available on the companys Web site.
Recently, many clients have inquired if their software is considered a medical device. Therefore, it seems timely to answer this question. But first, lets start with a brief quiz. In each scenario below, would you consider the software a medical device? 1. Software used to plan cancer treatment doses and to control the setting of oncology treatment devices 2. Software used within the overall design and manufacturing processes of the medical devices 3. Software used to measure and calculate the anatomical sites of the body to facilitate the irradiation of surgical intervention
“This new software will allow doctors worldwide to have a dozen Specialists
in a wide variety of Vocations at their beck and call 24 hours a day all
year round. We hope to revolutionize modern medicine and eliminate the
terrible wait time and duplication of services practiced by our medical
professionals. VSArmor will create a secure collaborative environment for
us and all of our clients so that all ideas can be expressed freely and
without reservation. We plan to release a Retail Version of this software
for Medical Database input in the third quarter of 2008 that will support
XP and Vista. The Linux version will follow in the Second Quarter of
2009,” stated Patrick Burke.

The company designs, produces, markets and sells leading edge computer
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Golfs governing bodies are to introduce a one-stroke penalty rule in an attempt to combat slow play. The words “slow play” are to appear in the rulebook for the first time from 1 January. Among the other changes coming into effect next year are ones that permit committees to make local rules to prohibit play from an environmentally sensitive area. A further amendment will deny a player relief when his stance, not the ball, is affected by casual water, ground under repair or certain damage to the course.
The Heaths up so high! In the latest in a series of articles Huddersfield University sports historian Dr Peter Davies explores the heritage of one of the towns most famous golf clubs. HUDDERSFIELDS brightest golfing prospect, Chris Hanson, boasts a first-class sporting pedigree. The 21-year-old learned his trade at Myerscough College, Preston, where he studied sports studies and golf and leisure management.

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“It is mainly from former clients who have been on overland journeys in the past and now want to repeat the experience with their own children,” he said. “The trend for family long-haul travel is one we have noted.” The next safari departs on 28 July (tel: 01728 861133) CORBIS
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This article addresses why family lawyers should always advise their divorcing clients to meet with an estate planning attorney. Why should divorce proceedings automatically lead to estate planning? There are several vital reasons.
LOS ANGELES — Renowned divorce lawyer Marvin M. Mitchelson, who pioneered the legal revolution known as “palimony” while representing scores of Hollywood stars in high-profile, big-money marital disputes, has died. He was 76. Mitchelson died Saturday after a battle against cancer at the Rehabilitation Center of Beverly Hills, his longtime publicist Sy Presten said Sunday. “He was practicing (law) up until the time he got sick a couple of months ago,” Presten said. “He was a workaholic, he worked around the clock.”
Latest National Survey also Reveals Increase in Payment Amounts The changes in our society are almost always reflected in divorce courts and the legal system. The issues involved with child custody payments are certainly not an exception, says James Hennenhoefer, president of the AAML. If one spouse is better suited to provide financial care, it is in the best interests of the court and all parties involved to put the needs of the child first. Interestingly enough, results from the survey revealed that only 1% of AAML members have seen an increase in fathers making child support payments during the past five years. There was a response total of 44% who noticed no difference.

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Exercise and Cancers: Research Opportunities for Health-Related Fitness ScientistsRepresentatives from the American Cancer Society (ACS), the National Cancer Institute (NCI), and the Centers for Disease Control (CDC) will challenge AAHPERD members to contribute to cancer prevention and control, describing the most promising research opportunities and resources to support investigation of the relationships between cancers and exercise. The presentation will be based on a synoptic article being developed by the ACS and the Office for Health Promotion of Northern Illinois University. Ruth Corcoran of ACS will describe a proposed collaborative research agenda, suggesting that two sets of consensually developed guidelines are needed to promote such research: one set to facilitate dissemination of what experts already know to the public and providers (including exercise specialists); and a second set to facilitate further collaborative research. Speakers from CDC and NCI will outline what is known about these topics, and how exercise scientists can contribute to further development (see accompanying abstracts). Presenters will recommend a process to develop research priorities, involving cancer experts, public health scientists, and relevant interest groups in AAHPERD. Members will be asked to contribute ideas for a research agenda.The Cancer-Exercise Agenda: Opportunities in Applications Research
Source: Global Forum for Health Research

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