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C ANCER The scope of the problem in the United States is large. Some 1.2 million people were diagnosed with potentially fatal cancer in the year 2000. Of these, 59 percent were expected to live for at least five years (in some, the cancer may be continuously present for more than five years) with or without evidence of cancer. People of all ages, from birth to advanced age, can manifest cancer, making it the second-leading cause of death in the United States. In children cancer is unusual, but it has consistently been the leading cause of death from disease. As mortality rates from cardiovascular disease decline, the proportion of cancer deaths increases. It is anticipated that the mortality rate from cancer will surpass that from heart disease by the year 2050. Direct and indirect financial costs of cancer in the United States for the year 2000 were $178 billion.Developing countries represented 80 percent of the worlds approximately 6 billion people in the year 2000. In these countries, cancer has grown from a minor public health issue in the early 1990s to a rapidly expanding problem by the beginning of the twenty-first century. The emergence of a middle class, with attendant changes in lifestyle, increased longevity and exposure to potential carcinogens, and expectations of improved medical delivery systems have fueled the growing impact of cancer in the third world. The financial resources and socio-medical infrastructure needed to diagnose and treat, much less screen and prevent these cancers, are lacking in the developing world.
Cancer

prostate ultrasound exam

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The authors note that there have been 13 studies which used prospective randomized control designs which compared hypnosis either to baseline level noiception or to a control condition of some sort. These studies consistently demonstrate that hypnosis can assist patients with chronic pain with a reduction in their pain experience and pain related coping for a variety of chronic pain conditions. Hypnosis was generally found to be more effective than other nonpharmacological interventions such as physical therapy, attention, and psychoeducative strategies. The intervention which was most commonly employed was training in self-hypnosis. The authors provide a critique of these studies in that there appears to be a lack of standardization in the uses of hypnotic interventions in these clinical trials and also that the treatment group numbers tended to be lower than one might desire. The authors also provide a number of very useful suggestions for future research and clinical application of hypnosis to assisting patients with chronic pain syndromes. Address for reprints: Gary Elkins, Ph.D., Baylor University, Waco, TX. Email address: Gary_Elkins@baylor.edu.
OREM — A hypnotherapy lecture at Utah Valley State College that had been scheduled for last week has been changed. The lecture will be held Thursday at 2:30 p.m. in the Liberal Arts Building, Room 105. It is free and open to the public. For more information, contact Aaron Wood at 801-592-7912.
Morgan D. (1996). The principles of hypnotherapy. Bradford UK: Eilidon Press. The book is divided into three parts. Part A consisting of 9 chapters covers foundational material on systems theory and how that can be applied to organic systems and to hypnosis. It discusses positive feedback loops that amplify the process and negative feedback loops that subdue the process. Positive feedback amplification can be either beneficial or harmful depending on whether increasing the effect is desired, while negative feedback calming can be either beneficial or harmful depending on whether decreasing the effect is desired. Morgan focuses on the activity of a system, the activity of its component subsystems, or the activity of the supersystem of which the system is a component. His main theoretical focus is on whether the activity of the system is increasing, decreasing, or staying the same, as other components change in specified ways. Hypnosis is described in systems terms, not as a “state,” but rather in terms of what system or subsystem components are changed, either increased or decreased, during trance induction, deepening, maintenance, trance work, and termination. He uses simple symbols to represent activities in quasi-mathematical style, which is helpful. Some of the letter symbols are used for different activities in different parts of the book. It would have been easier to follow if given letter symbols had been used more consistently to represent single specific activities. Some of his textual references to others publications are found in the bibliography at the end of the book, but some are unfortunately not present in the bibliography. He goes through common hypnotic tests in Chapter 8 and inductions in Chapter 9 explaining them in systems terms. This does produce some greater conceptual clarity with respect to subsystem component activities during hypnosis. Part B consisting of 6 chapters is the central discussion on what the systems approach can teach us about hypnotherapy. Chapter 10 discusses the matter of diagnosis in systems terms looking at precursors, problems, and resultants, and how they change with respect to one another. Chapter 11 focuses on positive and negative feedback loops in organic systems including behavioral, emotive, and cognitive. The vicious circle is a positive feedback loop with harmful consequences. Thinking in systems terms may make needed changes clearer to the therapist. Chapter 12 looks at the consequences of symptom reduction. The remaining three chapters in this part examine making changes by choosing the appropriate positive feedback loops to amplify desired effects and the appropriate negative feedback loops to quiet undesired effects, planning the changes, and reinforcing the changes by selecting natural reinforces.

hypnotherapy watford

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“About 85% of our clientele is Hispanic and we speak other languages. We specialize in urban areas.” Perez credited the states auto insurance reforms for creating a competitive market for insurers that has led to lower premiums. “Before auto insurance reform, no insurance companies wanted to give appointments to agencies that deal with urban markets because of fear of fraud and stolen vehicles. Now there is an agency in Patterson able to provide private insurance.”
If youre thinking of trading your gas-guzzler in for a zippy little fuel-efficient car, beware: You might end up handing some of your gas savings to your insurance company. Three of the governments top-ranked vehicles for fuel efficiency — the Toyota Prius hybrid, the Honda Accord and Toyota Corolla — also are on Insure.coms top 10 list of the most expensive 2008 vehicles to insure. But insurance rates are complex, differing by state, by how and how far you drive, by type of car, crash history, claims costs. And in some cases, even a consumers credit history.

bestelautoverzekering

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

southlake texas real estate

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Marked by diversity and range, the entertainment industry comprises producers and distributors of motion picture films, prerecorded music tapes and discs, operas. Concerts, stage shows, and other types of entertainment on a payment or fee admission. Two major segments of the entertainment industry, namely, prerecorded music and entertainment motion picture films, are global pacesetters and import export earners. While the economic recovery has been a contributing factor to the surge in prerecorded sales, equally important has been the proliferation of music video and the emergence of new sound effects. Music that accompany a musical numbeR, have had a great impact on the industry. They have dramatically increased sales of records that received only a mild reception after radio broadcast. Also, the technique has been largely responsible for the successful introduction of new vocals and musical groups to the music industry in general. The outlook for the music industry is one of continued growth, based on a strong economy, the excitement over music videos, the emergence of new artists and groups, and the recent introduction of the compact disk. Some moderating effect, however, may be expected by the changing age composition of the U.S. population, which will contain a lower proportion of young people between 1984 and 1990.
To 19 May

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A range of sunglasses that can be used with cell phones and play music has been unveiled by Oakley Inc, a US manufacturer of sports sunglasses, clothing and other accessories. The Razrwire range will be sold by Cingular Wireless stores for USD294.99 and the Thump sunglasses are priced from USD395 to USD545 and are available from retailers such as CompUSA and Circuit City. Razrwire is expected to follow on from the success of the Thump range which reportedly had sales of USD20m in the last holiday season.
[ILLUSTRATION OMITTED] CHRISTINA KRUSE IS AN ARTIST/PHOTOGRAPHER WHO LIVES AND WORKS IN NEW YORK CITY.

Sunglass Lens

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Great Lake Woods Inc. Great Lake Woods offers full and half-rounds, fluted, reeded, dentil rope as well as architectural kitchen and bath mouldings. Also offered are embossed mouldings and designs. The company says it offers extensive finishing capabilities, as well as machining capabilities for laminated panels and turning blocks, mullion grills and wrapped profiles.
ACMI INC. ACMI offers embossed mouldings and hand carvings, all of which are made by master craftsmen, the company says. Its mouldings and carvings can be stained or painted to match any decor, and ACMI says it has more than 100 different items in stock and available for shipping.

blow moulding machine

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As your familys needs change, so should your home. This Dallas kitchen had been remodeled three times prior to this update to accommodate changing needs. Each previous owner was careful to stay true to the homes original design, and it was equally important to current residents Kathy and Sam Leake that they respect that tradition as well. They worked to open up the room-improving both the amount of natural light and traffic flow. Plus, attractive design details give the space a cozier feel. The kitchen now connects to the dining room through two doors that permit traffic to flow freely from one area to the other. “The openness changed the home from a 1950s ideal, where the kitchen was hidden from public view, to a contemporary floor plan that showcases this room as the heart of family and entertaining activities,” says architect Stephen B. Chambers, who worked on the new design.
As a family man and an electrical engineer, Rick Taylor wouldnt consider himself a trendy type of guy. And yet when he spent $7,500 recently for a do-it-yourself kitchen remodel in his Corona, Calif., tract house, he followed some strong trends in the home improvement industry. For instance, theres major remodeling going on in the Seattle area, notes Appraisal Institute associate appraiser Nanette Lloyd. It seems to be more the trend than new construction. Part of the reason for the remodeling boom, she explains, is the limited amount of space in the city for new homes.
The project, located at the northwest corner of Imperial Highway and Norwalk Boulevard, includes a Payless ShoeSource Store and an Applebees Neighborhood Bar Grill.

remodel fort worth texas

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Get a shot in the arm If you cant remember the last time you got a tetanus shot, you might want to celebrate next weeks National Public Health Week with a visit to the El Paso County Department of Health and Environment, 301 S. Union Blvd. The department is offering free tetanus shots to adults next week, April 3-7. A tetanus booster is recommended every five to 10 years for adults.
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.”

medical herbalist

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NINE million Britons now regularly use complementary medicines to ease aches and pains. Growing numbers of mainstream doctors are practising alternative therapies and more than 40 per cent of surgeries now offer access to them. But which medicines have been scientifically shown to work? Today Sunday Mirror Health Correspondent SHARON COLLINS guides you through the most effective treatments.
HMOs: An Alternative THE ACCUMULATED COST OF health care in New Mexico — as in virtually all other areas of the nation — is enough at times to cause severe indigestion, if not outright cardiac arrest. Its likely why 80 percent of New Mexicans with some form of health insurance are under what is called a type of “managed care,” including Medicare and Medicaid. And a lot of that “managed care” is the choice by many companies to opt for Health Maintenance Organizations (HMOs) to contain costs while providing adequate benefits to employees.

benefits of bee pollen

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With gusts of over 30 knots blasting over the Holy Loch, several dinghy sailors found it nigh on impossible to get their boats righted in the difficult conditions. In the slow dinghy class, Strathclyde Loch Sailing Clubs Crawford Reid produced two firsts in his Albacore, putting him out in front as a clear leader in the 13-strong class and Alan Milton in Pepsi took two more decisive wins in the Sigma 33 class. Cove Sailing Clubs Alan Harper in Pied Piper sealed a championship win with a second and fourth, while Clyde Cruising Clubs Donald Sharp had two good wins and lifted the IRC Class 2 crown.
Squalls ripped through the southern Pacific yesterday, knocking down at least three of the 13 yachts still competing in the BOC round-the-world solo race. An American, Arnet Taylor Jnr, and two Britons, Robin Davie and Harry Mitchell, reported being knocked over. Christophe Auguin, of France, turned in another 300-mile day to remain solidly in the lead. His countryman Jean Luc Van den Heede, however, sailed a straighter course to cut Auguins advantage down to 142 miles from 239 just two days earlier.
Morning Glory, a German yacht, was the first of 100 boats to complete the 1996 Cape Town to Rio sailboat race. The 3,429 nautical miles (6,350km) voyage took 14 days 14 hours 52 minutes.

zeilschip

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WITH ninety per cent of dieters regaining all or part of their lost weight within five years, there is huge pressure to find new health and beauty regimes that last. And no matter how many times we tell ourselves that no one is perfect we still cant help hoping that one day we will be happy with our bodies. We model our dreams for our bodies on celebrities and people in the public eye but rarely do we hear about their imperfections such as bunions, wonky toes, cellulite or wrinkles.
Forty-two percent of all respondents agreed that supermarkets “need less health and beauty and more unique groceries.” (25% agreed strongly.)
In Japan, textile products in a new category helpful to beauty and health have made their appearance. Fuji Spinning Co., Ltd. (Fujibo) has commercialized its vitamin-finished fabric “V-UP” and that was the start of this phenomenon. Subsequently, each firm has presented textile products with aromas to create a good feeling or with special ingredients to make the burning of fat easier. Later, this boom disappeared. Then in 2001, Fujibo announced “V-UP”. Its catch phrases in selling were “wearing vitamins” and “Vitamin C-formulated fabrics.” Vitamin C keeps the generation of melamine in the human body under control and exhibits skin whitening effects. Vitamin C functions to promote the synthesis of collagen and to restrain the decomposition of collagen, while it is effective in preventing wrinkles on the skin. The anti-oxidation effects exhibited by the sebum can also ward off sunburn. Even so, Vitamin C itself is unstable because it is weak against heat and oxidizes against light. Consequently, a pro-vitamin which precedes Vitamin C is used in manufacturing. Being oil -soluble, a pro-vitamin fixed onto fabrics is absorbed into the skin. The following mechanism is the change of the pro-vitamin into Vitamin C by various internal enzymes after its entry into the human body.

Shea Sugar Scrubs

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The Warwickshire club, Leek Wootton, are to host the World Left-Handed Amateur Championship on 23-26 July, the week after the Open at Lytham. It is the first time the event has been staged in the United Kingdom.
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.
died suddenly yesterday at the age of 63.

Myrtle Beach Golf Villas

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SAVING money on your credit-card bill can be as simple as switching to a new card company. It is not just a question of playing the field for the lowest interest rate or the lowest annual fee. Some card issuers will trim your overall level of debt if you transfer your credit card business to them, even if you are still in the interest-free period and not yet paying any interest on that debt. Midland Bank also offers a 5 per cent rebate on a balance transferred from a rival credit-card company. But this rebate is only available to people who are already paying interest on at least some of the transferred debt. If you are simply transferring a balance that has not yet attracted interest, there is no rebate. The maximum saving in moving to a Midland Access or Visa card is pounds 100. The Bank of Scotland runs a similar scheme for new customers who consolidate their credit and storecard debt on to one of its cards. A sliding scale offers a maximum saving of pounds 60, for debt transfers of pounds l,250 or more.
WASHINGTON (AP) — Many consumers have started to pay off their credit card debts more quickly and to resist taking new cards, helping reduce record-high personal bankruptcy rates, a consumer group said Tuesday. The Consumer Federation of America said 112,000 fewer people filed for and received bankruptcy court protection last year than in 1998, which it termed the largest one-year decline on record. “Consumers have increasingly just said `no to credit card solicitations,” Stephen Brobeck, executive director of Consumer Federation, said at a news conference. In addition, he said, many consumers with credit card debts have realized the importance of paying more than the minimum payment on their monthly bills and are sending heftier payments.
Overall about 17 percent of Americans are either very or moderately worried about not being able to make the minimum payments on their credit cards. Another 22 percent say they are not too worried, and 46 percent say they are not worried at all.

Credit Card Debt

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During any 6-month period, 9 million American adults suffer from a depressive illness. The cost in human suffering cannot be estimated. Depressive illnesses often interfere with normal functioning and cause pain and suffering not only to those who have a disorder, but also to those who care about them. Serious depression can destroy family life as well as the life of the ill person. Unfortunately, many people do not recognize that they have a treatable illness. Read this flyer to see if you are one of the many undiagnosed depressed people in this country or if you know someone who is. The information briefly presented here may help you take the steps that may save your own or someone elses life.
WHEN all else fails, there are drugs. For many depression-sufferers, anti-depressants have worked wonders. Ive known too many people who have been saved by them to rip them. Still, theyre drugs. And because theyre drugs, they ought to be a last resort. Before you turn to them — and the possibility of their frightening side effects — explore all other options.

alternative therapy for depression

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[ILLUSTRATION OMITTED]
Hopefully, this will inspire some vineyard management practices that may make your next season a little easier with regard to vertebrate pest controlThe winter time is when burrowing rodents are inconspicuous, spending most of their time underground maintaining food caches and building fat reserves. This is in preparation for overwintering and the upcoming breeding season. The long and the short of it is, if you have these pests now, youre going to have a lot more of them come spring time.On the other hand, if you can successfully employ some of the available control measures now, you are really hitting the population on a larger scale. Unfortunately, traditional methods such as baiting have limited effectiveness this time of year because of the reduced activity level of the animals. This is when trapping becomes a viable option. As a grower, you are more likely to have the time to undertake a trapping program in December or January than you are in, say, April.

Sydney Pest Control

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Benchmark initiatives can lead to reduced costs and increased productivity throughout the customer services arena. procedures that directly and indirectly influence wverall performance. To ensure that benchmarking among companies is meaningful anc accurate, these differences must be taken into account up front. For example, in the area of credit and collections, companies must consider the effects of climate on their performance. Utilities that operate in northern climates typically have winter-disconnect moratoriums, while those in the South do not. Not being able to disconnect a customer for nonpayment over a four-to-five-month period can wreak havov on performance indicators. In such an example, only utilities with winter-disconnect moratoriums ought to be compared with each other. (See Sidebar, “Defining Metrics.”) Likewise, billing can present various uniformity challenges. Companies that use multivarious billing systems must be separated according to what systems are most similar in order to produce an apples-to-apples comparison. The result of such an analysis may well be that a meaningful comparison is simply not possible because of multiple and complex differences in operational management. But for most utilities, their customer service operations share enough similarities upon which to perform useful-and potentially lucrative-benchmarking.
MeasurementBritish mathematician and physicist William Thomson (1824#x2013;1907), otherwise known as Lord Kelvin, indicated the importance of measurement to science:Possibly the most striking application of Kelvins words is to the explanation of combustion by the French chemist Antoine Lavoisier (1743#x2013;1794). Combustion was confusing to scientists of the time because some materials, such as wood, seemed to decrease in mass on burning: Ashes weigh less than wood. In contrast, others, including iron, increased in mass: Rust weighs more than iron. Lavoisier was able to explain that combustion results when oxygen in the air unites with the material being burned, after careful measurement of the masses of the reactantsair and the material to be burnedand those of the products. Because Lavoisier was careful to capture all products of combustion, it was clear that the reason wood seemed to lose mass on burning was because one of its combustion products is a gas, carbon dioxide, which had been allowed to escape.

Metrology

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- Church column - A Childrens Sabbath will be celebrated Oct. 22, at North Topeka Baptist Church, 123 N.W. Gordon. The service will focus on children, youths and the response the community of faith makes to their needs. It is celebrated annually by congregations all over the United States.
The Capital-Journal First Congregational United Church of Christ, 1701 S.W. Collins, which observes its 150th anniversary this year, will present a five- part poetry series beginning April 10. The poetry workshop will feature a variety of poets who will present their works and also lead discussions and workshops designed to help people in their writing endeavors.

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Too much to do? Looking to make a name for yourself, serve the profession, serve the public, get some free marketing? This is a chance for you to give back and get involved by applying to submit columns, just like this one, to The Daily Record Rookies panel of writers. Wouldnt you feel good about yourself after doing something nice for someone? Why not do something nice for your profession or lawyers going through what youve already endured? If youve got a perspective, a unique experience, or the courage to pass around advice, this is a great opportunity for you. In an environment generally void of volunteers, it is awfully easy to stand out among the crowd by getting involved. Too many of us are so worried about billing hours, making money today, getting off work to go out, or get some sleep that we fail to do much of anything else. Who has time to build a reputation, help out, or work toward making money tomorrow?
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Please click your back button and try another article.

do it yourself publicity

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Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
Jerry Long

Palm Coast foreclosures

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WASHINGTON — Sales of existing homes fell for the sixth straight month in January, dropping to the slowest sales pace on record. Median home prices were also down, and many analysts predicted further price declines in the months ahead, given high levels of unsold homes. The median price of a home sold in January slid to $201,100, a drop of 4.6 percent from a year ago. Particularly alarming, analysts said, was the fact that the inventory of unsold homes jumped to a 10.3 months supply, meaning it would take that long to sell the 4.19 million homes on the market at the January sales pace.
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.”

Santa Monica Homes For Sale

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–Johnnie Jackson, 2007 Atlantic City Pro winner
By Lisa Sandmeyer Flooring has come a long way since linoleum, but Deb Ramlow still wasnt content with what she can find in a store. So the interior designer has become one of the first dozen dealers for a new flooring that is more fun than plain wood.

Flooring Gauteng

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

medical herbalist

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Building on the premise that empowerment of others is a viable expectation for effective administrators, Thomas Harvey of the University of LaVerne and Bonita Drolet of the Placentia Yorba Linda, Calif., Unified School District have written a book on implementation strategies in this critical area. Building Teams, Building People focuses on the concept that true success in any venture, particularly education, is measured in terms of effectively uniting groups of empowered people in a common purpose. The book is readable, crisply written, and well documented. It provides tables, charts, and usable instruments with prescriptions for the team-building process. The authors often reference personal experiences in their roles as organizational leaders.
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.
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.

Corporate team building events

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Marilyn Willms Marilyn Willms — has joined the Tom Lane Team as a Realtor associate, along with Tom Lane, Sharon Markley, Michele Loeffler, Wayne Wischropp and John Lane at Realty Executives of Topeka.
Jerry Long
There were 45 attendees including agents from Prudential Greater Topeka REALTORS, Topeka, Manhattan, Salina and Overland Park. Janice Price, of Munster, Ind., was the trainer for Prudentials University on Tour.

luxury home architect Los Angeles

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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.
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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Small Business Publisher v3.1 helps create professional quality flyers, letterheads, brochures, labels, newsletters, advertisements, etc. with graphics, backgrounds, and artwork. Tools are provided for text, shape, and logo, with various shadow, rotation, and partial transparency settings. Software also supports color blending, textures, and high resolution output image capacity. Users can link to Excel or Access data files for data-driven publishing.
Business Editors/High-Tech Writers REDWOOD CITY, Calif.–(BUSINESS WIRE)–May 4, 2000 eFax.coms two million subscribers can now access iPrint.coms business printing services via a link on the eFax.com Web site. iPrint.com lets eFax.com members easily create and order printing supplies such as custom stationery, business checks, and signs and banners at prices that are up to 50% less than traditional quick print shop rates. Members also get 25% off any other iPrint.com product when they order their free business cards or address labels.

Business Card Design

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AUTUMN-WINTER 2005 is a watershed season for the house of Versace after the annus horribilis of 2004 for the creative director, Donatella Versace. It is seven years since the founder, Gianni Versace, was murdered outside his mansion on Miami Beach and though his little sister has scored personal triumphs with the womenswear collections, Versace for Men seemed to be floundering. Even “friend of the house” Sir Elton John defected to Yohji Yamamoto.
MY FRIEND Ian Sturrock once went to a fancy-dress party as the Menai Straits. He wore a sack, to which he attached rusty tins, seaweed, shells, bits of driftwood, used condoms and dead crabs. To complete the tableau, he put a kipper under each arm. He didnt win a prize or even get many dances. But he said that everyone looked at him. He was well pleased. But even Ian would have been staggered at the total looniness of the Australian Neil Wilson, the man who wanted to be a fish. Wilson has just been found dead at Toolondo, near Victoria. Strangely, he did not drown, but suffocated in the fish-shaped bodysuit he had made from heavy green plastic sheeting. Unfortunately, he had clearly not read as far as chapter three in How To Be A Fish, because in the costume he had forgotten to put in ventilation slits. He was discovered by a passer-by in a field close to Wilsons favourite reservoir, “where he was a familiar sight at the waters edge, swinging from a rope while pretending to be a fish”, my cutting says. Im afraid I cant tell you any more. Thats a shame, because this intriguing tale clearly raises more questions than it answers.
The judge said of Fontana - real name Glyn Ellis - “I hope they give him a prison uniform at Nottingham Prison to keep him warm.” The case was adjourned until July.

fancy dress costumes

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When the French aristocrat, Alexis de Tocqueville, was sent by the French government to America in 1831 to study the American prison system, he took copious notes on all aspects of American life. De Tocqueville published his observations as Democracy in America in 1835. He was particularly impressed by an American disposition for forever forming associations, whether religious, moral, serious, futile, very general or very limited. He observed that As soon as Americans have conceived a sentiment or idea that they want to produce before the world, they seek each other out, and when found, they unite. Thenceforward they are no longer isolated individuals, but a power conspicuous from a distance whose actions serve as an example; when they speak, people listen.De Tocquevilles American contemporary, Ralph Waldo Emerson, emphasizes the$vital importance of confidence based on self-trust in his essay Self-Reliance (1841). This finds an echo in modern self help manuals. The American psychiatrist, M Scott Peck, in his bestselling The Road Less Travelled (1978) advocates self-discipline, restraint and personal responsibility. So is there something culturally specific to America that made it the home of self help? And can it transfer to the UK mental health context?
Denver, Colorado
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).

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SAVING money on your credit-card bill can be as simple as switching to a new card company. It is not just a question of playing the field for the lowest interest rate or the lowest annual fee. Some card issuers will trim your overall level of debt if you transfer your credit card business to them, even if you are still in the interest-free period and not yet paying any interest on that debt. Midland Bank also offers a 5 per cent rebate on a balance transferred from a rival credit-card company. But this rebate is only available to people who are already paying interest on at least some of the transferred debt. If you are simply transferring a balance that has not yet attracted interest, there is no rebate. The maximum saving in moving to a Midland Access or Visa card is pounds 100. The Bank of Scotland runs a similar scheme for new customers who consolidate their credit and storecard debt on to one of its cards. A sliding scale offers a maximum saving of pounds 60, for debt transfers of pounds l,250 or more.
Shoppers are carrying nearly $1,000 less than last year in credit card debt, a sign they will be spending more this holiday shopping season. A recent survey by Rockville, Md.-based Myvesta.org, a consumer education organization, found Americans have an average credit card debt of $2,294 this year, down from $3,250 in 2002. One analyst believes the rise in mortgage refinancing is allowing consumers to pay off credit card debt.
Shoppers are carrying nearly $1,000 less than last year in credit card debt, a sign they will be spending more this holiday shopping season. A recent survey by Rockville-based Myvesta.org, a consumer education organization, found Americans have an average credit card debt of $2,294 this year, down from $3,250 in 2002. One analyst believes the rise in mortgage refinancing is allowing consumers to pay off credit card debt.

Credit Card Debt

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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.
One of the most interesting publications in shotgun literature is entitled The Mysteries of Shotgun Patterns, written by George Oberfell and Charles Thompson. Published in 1957 through Oklahoma State Universitys Division of Engineering Research, this unpretentious book is the compilation of the extensive research conducted by Oberfell and Thompson to determine why shotguns do what they do. When I was asked by Germanys DEVA laboratory–that countrys independent testing and proofing laboratory for sporting firearms–to obtain a copy of the study for them I didnt realize how rare the book had become, with asking prices exceeding $100. Considering that probably very few of our readers have had an opportunity to ever read the study, I thought I would share with you some of the gems of shotgun esoterica the authors discovered. For example, “a smooth, mirror-like finish on the inner surfaces of the choke bore generally lowers pattern efficiency.” Would you ever have believed that? Yet, the authors document numerous tests that compared highly polished choke tubes to less polished choke tubes, and statistically, the unpolished tubes delivered more efficient patterns with fewer open patches. This also proved true of tubes that were knurled inside and tubes that were cut near the muzzle end with a series of interior grooves .003″ in depth and 1/8″ wide.

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PRAYER IS, ABOVE ALL, A GENUINE ENCOUNTER with the Lord and with others too. It is a true relationship. A true relationship can be scary. One is afraid to fail in a relationship because of the fear of rejection. Also, one is afraid to succeed because of the many changes needed to adapt and adjust to the new situation. In a relationship, while keeping company with the significant other, one has to accept the consequences of this company. We often think that God is a miracle worker, one who magically transforms war into peace, makes the paralyzed walk, and provides homes for the homeless. He makes all things right. We expect a miracle at the particular moment we find ourselves in difficulty. We pray as though we were eloquently presenting a case before the Almighty to persuade heaven to create a totally different course of events.
In considering the work place, I think my friend Patricia Wyatt, the President of North America for HIT Entertainment, expressed perfectly what we should all strive for when she said, “Whatever my position, Ive worked with all my heart to try to create environments where people feel valued, honored, creative, and part of something that supports them as human beings. While I may not have reached these lofty goals, I continue to do all I can to humanize the workplace. I try to make the motions of my workday filled with artful gestures-thoughtfulness towards my co-workers, and striving to achieve the best results through thoughtful means. I also enjoy trying to inspire my colleagues to reach their highest capabilities and take great joy in seeing what they accomplish.” These are indeed lofty goals, but I believe they are best accomplished by very simple acts of kindness. We should all listen more, be generous with praise, welcome opportunities to assist each other, laugh often and think before we act. How happy we are in life depends very much on how kindly we play the strings of our relationships.

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licensing of hairdressers after a constituent was left bald when a perm went wrong. Peter Truscott said the recent registering of a cat, rabbit and a dog as hairdressers showed restrictions were needed.
They listen sympathetically to relationship woes. They offer confidence- boosting style tips. They are by your side at glamorous parties - and in the front row at your wedding. And occasionally, they even cut your hair. Welcome to the world of the modern-day hairdresser, an occupation that was once confined to the salon but is now more likely to involve as much counselling and partying as snipping and styling.
London — London, March 17 /PRNewswire/ — Knowing how much the public enjoy seeing talented people given the chance to come from obscurity to fame, the National Hairdressers Federation Artistic Committee has created an exciting hairdressing competition NHF Photographic Stylist of the Year that could give an unknown hairdresser and photographer celebrity status. The competition allows an individual or a team to present a style created in the hairdressers own salon and submit photographs of the finished look to the judges. This competition also gives hairdressers the opportunity to either demonstrate their salon make-up and photographic skills or to link up with a local professional photographer and make-up artist to create and portray a style that shows off their combined talents. The ability of the contestants will be judged from the submitted photographs and only the top ten will be invited to Birmingham with their model to parade before a jury drawn from the fashion and photographic world and witnessed by the thousands of hairdressers attending Spring Salon 2003.

Salon Scissors

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As your familys needs change, so should your home. This Dallas kitchen had been remodeled three times prior to this update to accommodate changing needs. Each previous owner was careful to stay true to the homes original design, and it was equally important to current residents Kathy and Sam Leake that they respect that tradition as well. They worked to open up the room-improving both the amount of natural light and traffic flow. Plus, attractive design details give the space a cozier feel. The kitchen now connects to the dining room through two doors that permit traffic to flow freely from one area to the other. “The openness changed the home from a 1950s ideal, where the kitchen was hidden from public view, to a contemporary floor plan that showcases this room as the heart of family and entertaining activities,” says architect Stephen B. Chambers, who worked on the new design.
No shortage of storage in this kitchen remodel Chock-full of storage, this generous kitchen addition was annexed to the rear of the house. Among its space-expanding amenities are a 5 1/2-foot-long appliance garage, an eating and storage island, and a built-in desk for menu planning. Heart of the kitchen is a six-sided 9 1/2-foot-long island that provides storage for dishes, knives, and spices, as well as a cooktop and a snack counter serving four. For convenience, dishes are stored in the side of the island facing the sink and dishwasher. A U-shaped drawer for pots and pans pulls out under the cooktop.

Alexandria Kitchen Remodeling

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A COUNCIL has rewarded its 6,000 staff for their hard work by giving them alla pounds 1.34 mug. Tower Hamlets Council in East London made no apology for sending the mugs, saying pay rises were not readily available in the public sector. An official said: We make no apology for spending pounds 1.34 each on our staff. They all deserve it.
Customers caught in the strike have complained that as soon as BAs rank and file walked out of Heathrow, its managers vanished. My aviation correspondent, Jumbo Speedbird, suggests that they may have taken refuge in BAs 4,000-seater head office, booking one or more of the 174 meeting rooms, and sending for refreshments from one of the three coffee shops while they worked out what to do next. What a terrible thing it would be, my correspondent says, if BAs economy campaign began at home.

Promotional Travel Mugs

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> Hair Growth: Natrol Inc., a Chatsworth-based manufacturer and distributor of nutrition products, acquired the Nu Hair and Shen Min brands from Biotech Corp. in Connecticut. Nu Hair products include natural hair re-growth tablets for men and women, thinning hair serum, and thickening shampoo. The Shen Min brand is comprised of similar products and is marketed predominantly on health food television channels.
Happy is the woman whose hairdresser protects her from her worst instincts. Unhappy is the woman who never gets what she wants. Hot hairstyles followed by the wishes of Karen Krizanovich, a mouse who wants to roar. All right, so white woman speaks with forked tongue. Im lying about being completely fashionable. Its true that fat calves will never be in fashion and neither will my hair. As Fred Allen said about a friends hat, my hair will never go out of style because it looks ridiculous year after year. Well, mine and Jilly Coopers.

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Comfortable style transforms this backyard into an inviting family retreat. SUSANNE HUDSON DOESNT LIKE LEAVING her garden. Its easy to understand why. A finer example of blending home and garden exists only in the imagination. Marrying salvaged artifacts with a keen eye for design, she has fashioned a series of elegant, distinctive, and supremely comfortable garden rooms for which decking and grass are the floors, gravel paths are the hallways, and trees and sky are the ceilings. The Queen of Stuff Known affectionately to friends as “The Queen of Stuff,” Susanne collects all sorts of old garden paraphernalia-either treasures she chances upon or things folks drop off at her house. Artistic displays of old nozzles, sprinklers, watering cans, rakes, and clay pots abound. Regular pilgrimages to major antiques markets provide other articles. This is how the outdoor living room, the visual heart of her garden, came to be.
Garden classes bloom Spring has sprung, and so have the classes dedicated to gardening. Upcoming: The Colorado Springs Utilities Xeriscape Demonstration Gardens, 2855 Mesa Road, will present programs on the Basics of Xeriscape 9- 11:30 a.m. or 1-3:30 p.m. April 7 and April 21. Cost is $5 in advance. To register, call 668-4555.

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

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How to get the right lighting for your kitchen counters Under-cabinet lights can be hidden assets in any kitchen. These fixtures, which run horizontally below the cabinets, make a real contribution not only as task lighting that youll appreciate every time you work in the room, but also as ambient lighting, brightening the kitchen and even providing low light when the rooms not in use. Known as “linear task lights,” they are available in a variety of bulb (or lamp) types and fixture styles. Your selection will depend on your taste, the level of brightness you require, and your pocketbook. Heres help finding the lights that are best for you. Fluorescent. An energy-efficient lamp that produces light through the activation of the phosphor coating on the inside surface of a glass envelope. Newer ones last longer, are dimmable, and have a warmer-toned light, choose one that uses an electronic ballast: It wont have the inherent hum of the old magnetic ballasts. The new fluorescent fixtures use a T-2, a bulb with a tiny diameter.
In early 2004, sister companies Stock Building Supply and Ferguson Enterprises, both owned by England-based Wolseley and headquartered in the Research Triangle Park area of North Carolina, entered into a partnership designed to leverage the suppliers complementary product lines into a single Carrboro, N.C., showroom for customers and their homeowner-clients. Stock and Fergusons product lines are displayed throughout the showroom in room vignettes, allowing customers to better visualize how the products will look next to each other in their own homes. No detail is left out, with patio doors installed on decks that show off outdoor grills, fireplaces installed with mantels and moldings, and windows and doors set into fully trimmed interior and exterior walls. A working kitchen on site is used for cooking demonstrations, which the design center hosts eight or nine times during the year. For each demonstration, the companies invite local members of trade groups, such as the National Association of the Remodeling Industry, the HBA, the National Association of Realtors, or the American Society of Interior Designers. The customers get the opportunity to see the appliances as they work in the context of a kitchen as opposed to [just] being [in] displays says Gary Burns, Stocks national remodel and repair manager. We try to utilize and show off all the unique features and benefits of the appliances. While customers and homeowners are benefiting, the two dealers also have reaped rewards from the partnership. Because the companies product lines do not overlap, customers looking for Stocks products also are exposed to all the products that Ferguson offers and vice versa. Weve shared resources, customer bases, relationships, says Craig Lynch, the Carrboro location manager. It has resulted in increased sales and overall organic growth for our company.

Under Cabinet Lighting Fixtures

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Business Editors Lasik Vision Corporation (CDNX:LSK.)(LasikVision), announced today that it has filed a Statement of Defence and Counter Claim with respect of the allegations set forth in the lawsuit filed on August 18, 2000 by Michael Henderson in the Supreme Court of British Columbia. The Company sees no foundation or merit in this complaint and will defend this lawsuit diligently and aggressively.
Scientific studies1 have shown LASIK patients develop dry eyes immediately after surgery, and these symptoms usually resolve by the 3-month post-operative visit. However, patients with preexisting dry eye are at risk for severe postoperative dry eye with decreased tear function, which may persist for a year or more.In one study,1 dry eye patients treated with cyclosporine ophthalmic emulsion 0.05%, (Restasis) following LASIK surgery experienced better outcomes in visual acuity for vision correction than dry eye patients using artificial tears.Dry eye patients who underwent LASIK and were treated with cyclosporine reported fewer dry eye sensations such as grittiness or a sensation of a foreign object in the eye, according to results from questionnaires given to patients participating in studies.

Wavefront Lasik

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Check out airfares, accommodations and vacation specials at govarm.com. While youre there, sign up for bi-weekly updates. A portion of GOVARMs proceeds goes to support morale, welfare and recreation offices.
Military recreation areas and lodging facilities offer an array of low-cost, fall and winter vacation spots. Deciding what you want to do is the tough part For many, fall and winter are the best travel times of the year. Some want to escape the ice and snow while others embrace its recreational offerings. Whatever your pursuit, there are special military facilities and resorts available to you and your family. WINTER VACATION WITH THE CANADIAN MILITARY. Falls Lake, Nova Scotia, is a year-round resort that the Canadian military operates just a 45minute drive from Halifax. During the winter, guests can enjoy their lodge and ski nearby at the Mattock Ski Area. They invite all U.S. military LD. cardholders to join in the fun.

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Computer ModelingModeling, in the technical use of the term, refers to the translation of objects or phenomena from the real world into mathematical equations. Computer modeling is the representation of three-dimensional objects on a computer, using some form of software designed for the purpose. Among the uses of computer modeling are war games and disaster simulations, situations in which computers offer a safe, relatively inexpensive means of creating or re-creating events without the attendant loss of life or property.Mathematical modeling dates to advances in geometry and other disciplines during the late eighteenth century. Among these was the descriptive geometry of French mathematician Gaspard Monge, whose technique was so valuable to Napoleons artillery that it remained a classified defense secret for many years. Nearly one and a half centuries later, at the end of World War II, mathematicians and scientists working for the United States war effort developed a machine for readily translating mathematical models into forms easily grasped by non-mathematicians.
> Risk Management Solutions Inc., the Newark, Calif.-based modeling vendor, has released a probabilistic model to assess influenza pandemic risk. Called the RMS Infectious Disease Model, the technology includes nearly 2,000 potential pandemic scenarios, which can be used by risk managers and life and health insurers to quantify casualties, the number of work days lost from staff sickness, work days lost from staff caretaker duties, mortality and other economic loss factors across 31 countries.
Giving clients appropriate rationales and concepts, rules, or strategies for using skills properly.
Giving clients ample opportunity to practice new skills correctly and successfully.
Making the treatment setting as much like the real-life situation as possible.
Giving clients opportunities to practice their new skills in a variety of physical and interpersonal settings.
Giving clients adequate external social reinforcement and encouraging internal self-reinforcement as they use their skills successfully in real life.

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QI AM worried about the Airtours package I have booked for our familys annual summer holiday next July. I havent yet had to pay anything, but if I do and the company goes bust will I lose my money? - Kevin Tide, Bristol. Concern about the MyTravel group, which includes Airtours, started when auditors uncovered a pounds 50million accounting shortfall. To change arrangements now may result in difficulty getting the same dates, hotels and resorts. Different rules apply to flight-only deals so buy using a credit card to safeguard your ticket. QI FANCY pushing off somewhere warm for a few weeks before the Christmas season sets in. I have often been to Spain - are there any alternatives? - Mrs Susan Stevens, Eastbourne.

Commercial Holiday Displays

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Halloween is coming. Time to put on a costume and have some fun. But some animals get to dress up almost every day–not for fun, but for survival. Its a fish-eat-crab world out there. Octopuses, starfish, and lobsters also love to dine on crabmeat. But the decorator crabs pictured here have a tricky way to cover up and hide from their enemies. They simply “decorate” themselves with parts of plants or animals from the seafloor. And then, ta-dah! They can scurry along almost unseen. Other kinds of animals, too, use “dressing up” as a way to hide from predators.
In the days leading up to Halloween before Hurricane Katrina, a security guard stood outside the door of Uptown Costume and Dancewear while lines of anxious customers stretched two blocks down Magazine Street waiting to be ushered inside. “But rules are rules,” the guard would say. “Only 20 in at a time.” Inside, the lucky few clutch bat wings and corsets and mini- dress nurse uniforms while waiting in an hour-long line to reach the register.

Pirate Costumes

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LaserLaser light is a special type of glow. In some materials, a photon passing near an atom with an outer-orbital electron in a high-energy state can, without being absorbed or deflected, stimulate that electron to drop to a lower energy state. The electron gives up its energy in the form of a photon that is of the same wavelength as the impinging photon, in phase with it, and traveling in the same direction. (To say that two photons are in phase means that, if they are considered as waves extended through space, their peaks and troughs are aligned; peak matches peak and trough matches trough.) Such light is termed coherent. Coherent light is rare in nature because atoms in most light sources (e.g., the Sun) are

U.S. ordnance handlers haul a rack of GBU12 laser guided bombs along the deck of the USS Theodore Roosevelt in the Arabian Sea in 2001. AP/WIDE WORLD PHOTOS .

Epilog Laser According to Epilog, the new FiberMark Laser system is an economical and versatile metal marking system suitable for a wide variety of industrial marking applications due to the combination of fiber laser technology and flying optics beam delivery. The flying optics design allows for high-speed parts marking with an oversized work area of 24 in. by 12 in. It accommodates large pieces or common label sheet stock. Parts indexing is simple and predictable based on the X/Y positioning, the company adds.
Carter Products Co. Inc. Carters ZPT Titan Line laser projects a Line from 6 1/2 ft to 30 ft, depending on the model. The ZPT includes a high-performance power supply that provides clear visibility and offers protection against power spikes, the company says. The Laser internally records hours worked and tracks start-up, operating temperature and device failures. [ILLUSTRATION OMITTED]

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MicroDental Laboratories About Micro Advanced Cosmetics (MAC), a division of MicroDental
Dr. Jorge Blanco becomes one of only 286 in the world to have received accreditation from the AACD, as the practice opens its new, state-of-the art facility in South Miami SOUTH MIAMI, Fla., April 23 /PRNewswire/ — Dr. Jorge R. Blanco, DDS, has achieved accreditation from the American Academy of Cosmetic Dentistry, a much sought-after and coveted professional credential that is realized by very few in dentistry. In fact, Dr. Blanco is the first and only dentist to receive this prestigious designation anywhere in Florida south of Palm Beach, which recognizes his professional expertise in the practice and art of cosmetic dentistry. Dr. Blanco will be honored for receiving this noted designation at the AACD scientific conference, which will be held in New Orleans on May 6th through May 10th. Cosmetic dentistry has come a very long way in the past few years, Dr. Blanco says. With this training and accreditation from the AACD, patients can rest assured that they are getting the best cosmetic dentistry available. People no longer need to live with dull crowns and fake looking teeth. With the latest techniques in cosmetic dentistry, we can create a beautiful smile for individuals of any age. The AACD is the worlds largest non-profit membership organization dedicated to the art and science of cosmetic and restorative dentistry, and is made up of 8,000 professionals in 70 countries around the world. The accreditation program is a lengthy and challenging process that only 286 dental professionals in the world have achieved. It demands years of practice, education and testing, and is the highest accreditation achieved in cosmetic dentistry.
Periodontal Disease Linked to Total Body Health Through DNA LAS VEGAS — A new test is available that allows dentists and patients to combat gum disease. The test is called DNA-PCR and is administered at Dr. Azimis downtown Las Vegas dental office. Using DNA technology, the DNA-PCR test allows us to specifically identify oral bacteria that cause infections much earlier and treat them before they cause severe damage to a persons health, said Dr. Azimi, DDS, the first general and cosmetic dentist in Nevada certified to administer the DNA-PCR exam.

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By Conseco Finance * Features: deferred payments; debt consolidation; no equity program Circle 338 on Postage Free Card
[ILLUSTRATION OMITTED]

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Affordable housing. Low cost of living. High quality of life. The combination of these three things sets the Fort Wayne housing market apart. Add a wide variety of options into the equation and you have a truly good value for your housing dollars. A recent home price analysis by the National Association of REALTORS(R) revealed that the Fort Wayne housing market is in excellent shape, with a potential for significant housing equity gains, a very favorable home price-to-income ratio and an even better mortgage servicing cost-to-income ratio. The same report shows that the region added an estimated 15,000 new housing units in the past five years, approximately 12,000 of which were single-family dwellings. New developments continue to pop up in suburban areas surrounding the city. Conveniently located medical facilities, schools, libraries, parks, retail stores and restaurants add to the sense of community.
Prosperity in the U.S. construction industry was again on the house, as the residential segment continues to exhibit most of the recent growth in the domestic building industry. The construction industry appears to be hovering at a level close to last years pace, says Robert A. Murray, vice president of economic affairs for McGraw-Hill Construction. Housing remains very healthy, and the upturn for non-residential building in February was a welcome development after a sluggish January. Murray says that higher steel prices could be putting a crimp in the nonresidential segments. Over the course of 2004, its expected that nonresidential building will see a modest strengthening trend. Admittedly, though, this years sharp increase in steel prices has made the nonresidential upturn less certain, given the impact that higher costs and materials shortages may have on individual construction projects. At this juncture, it appears that the nonresidential upturn will be dampened but not derailed, assuming steel prices settle back by midyear, but the situation clearly bears watching.

Raleigh real estate

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Are your clients retirement plans on track? Academics have concluded that retirees generally can plan on fixed annual withdrawals of between 6 percent and 8 percent of a portfolio, assuming 50 percent to 75 percent of assets are kept in large-company stocks and the balance in high-grade corporate bonds. Thats a 4 percent to 5 percent withdrawal rate if you are adjusting annually for inflation.
Early retirement, or retirement at any age, may be less than an enjoyable experience without sufficient income. Generally, financial planners recommend that an individual should strive to maintain 70 percent to 80 percent of his or her final working years income during retirement and have made provisions to increase income in retirement to keep up with inflation. A small but growing number of financial planners recommend that individuals should strive for 100 percent or more income replacement during retirement years. (3) The logic behind this recommendation is that individuals tend to spend more money when they have time to do what they would like to do. In planning for retirement at any age, the first task is to determine the income desired in retirement and examine how those income goals will be met. The exact amount of income that an individual needs in retirement is specific to each individuals financial circumstances and goals. For example, an individual or couple with a home that is paid for would li kely spend less on housing in retirement than an individual or couple who are still paying off their home or renting. Financial planners generally suggest that an individuals retirement plan include at least three important sources of retirement income. These sources usually include Social Security benefits, personal savings/investments, and employer/employee retirement accounts, such as defined benefit plans, 401(k)s, 403(b)s, and IRAs. Of the aggregate income received by retired Americans, Social Security benefits consist of 42.5 percent; individual savings and investments generate 36 percent; and employer/employee retirement benefits make up 21.5 percent of retirement income. (4) The anticipated income from each of these sources should be carefully examined prior to making the decision to retire.
Employee retirement plans are a hot social issue. Future Social Security fund availability is uncertain and defined benefit plans, typically referred to as pensions, are less common. 401k has become a generic term for employer-sponsored retirement plans. But, depending on the type of company sponsoring the plan and specific plan design considerations, other types of plans might be more appropriate. Each type of employer sponsored plan also has its own specific variables and must comply with rules and laws established by the Internal Revenue Service (IRS) and the Department of Labor (DOL). When an employer puts together a 401k plan, “it is definitely not a do-it-yourself situation,” says Marilyn V. Manzer, CPA, QPA, QKA, and vice president of Baden Retirement Plan Services (BRPS). “The consequences for doing it wrong are severe and could include heavy civil or criminal penalties.”

Retirement Planning Winnipeg

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There were 45 attendees including agents from Prudential Greater Topeka REALTORS, Topeka, Manhattan, Salina and Overland Park. Janice Price, of Munster, Ind., was the trainer for Prudentials University on Tour.
- Real estate - B.J. McGivern was honored as Valley Inc. Realtors top sales associate for the month of September. For more information about McGivern, call 233-4222 or B.J. McGivern.realtor.com. - Harold Herrick has joined Countrywide Realty Inc. of Topeka, specializing in commercial and residential real estate.
Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.

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