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CARPINTERIA, CALIF. — Santa Barbara Restaurant Group Inc., a subsidiary of CKE Restaurants Inc., sold its 100-percent equity interest in Bloomington, Minn.-based Timber Lodge Steakhouse Inc. to T-Lodge Acquisition Corp. for approximately $8.8 million, according to company officials. T-Lodge Acquisition Corp. is a privately held company owned by members of the management team of Timber Lodge as well as other investors.
Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid November 15, 2002 to shareholders of record on October 25, 2002.

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FAIRFAX, Va. — Crescent Hospitality Corporation, a rapidly growing hotel and resort management company, today announced that it has signed an agreement to operate the Lodge at Cedar Creek, Northern Wisconsins largest indoor waterpark resort. The 140-suite, highly themed resort, located in Wausau, Wis., features a 50,000-square-foot indoor waterpark. Located approximately 2.5 hours north of Milwaukee, Wis., the Lodge at Cedar Creek targets both families and meetings. Built around an old logging mill theme, the resorts 140 suites range from one- to three-bedrooms. In addition to the waterpark, which offers some 15 slides, rivers, waterfalls and play areas, children can enjoy the Bull Whackers Game Room, with more than 65 arcade games. Food designed to appeal to both children and adults alike is available in the Saw Mill Grill and Cookhouse Snack Bar.
Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid May 15, 2003 to shareholders of record on April 25, 2003.
Compiled by Heather Gunter, hgunter@advanstar.com

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Cheryl Epps has joined Tobron Office Furniture as a sales assistant. Epps attended Mary Mount Manhattan College, majoring in communication arts.
LOUISVILLE, Ky.–(BUSINESS WIRE)–Dec. 21, 1998–DMI Furniture, Inc., (NASDAQ: DMIF) announced today the development of a new identity with the formation of DMI Office Furniture. Operating as a division of DMI Furniture, Inc., the mission of DMI Office Furniture will be to manufacture and market mid-market office furniture. DMI Furniture, Inc. is a Louisville, Kentucky based vertically integrated manufacturer, importer, and marketer of residential and commercial office furniture consisting of five operating divisions and operating five manufacturing plants in Indiana and manufacturing sources in Asia, Malaysia, and Mexico.
Tobron Office Furniture announced that Jennifer Leotis has joined the firm as a sales assistant. She resides in Staten Island, N.Y.

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Compiled by Heather Gunter, hgunter@advanstar.com
FAIRFAX, Va. — Crescent Hospitality Corporation, a rapidly growing hotel and resort management company, today announced that it has signed an agreement to operate the Lodge at Cedar Creek, Northern Wisconsins largest indoor waterpark resort. The 140-suite, highly themed resort, located in Wausau, Wis., features a 50,000-square-foot indoor waterpark. Located approximately 2.5 hours north of Milwaukee, Wis., the Lodge at Cedar Creek targets both families and meetings. Built around an old logging mill theme, the resorts 140 suites range from one- to three-bedrooms. In addition to the waterpark, which offers some 15 slides, rivers, waterfalls and play areas, children can enjoy the Bull Whackers Game Room, with more than 65 arcade games. Food designed to appeal to both children and adults alike is available in the Saw Mill Grill and Cookhouse Snack Bar.

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Tobron Office Furniture announced that Jennifer Leotis has joined the firm as a sales assistant. She resides in Staten Island, N.Y.
* NEW FINANCIAL BENCHMARKING REPORT FOR DEALERSThe Office Furniture Dealers Alliance ( OFDA), a segment of the Independent Office Products and Furniture Dealers Association ( IOPFDA) has released a new OFDA Dealer Financial Comparison Benchmarking Guide. The results of the study are based on the responses of 137 participating dealers who provided operating results from the 2001 calendar year.By using the OFDA Guide as a benchmarking tool, OFDA was able to determine that controlling key pro! it variables are of iar greater significance in achieving financial success than simply increasing annual revenue - a focal point of many dealerships. The dealerships surveyed for the report posted average 2001 revenues of $16.9 million, and a pre-tax profit of 0.94 percent ( or approximately $159, 900). In contrast, “high- profit” dealers posted average revenues of $13.5 million, but a pre-tax profit of 5.46 percent ( or $736, 850).

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Wisconsin companies with annual sales under $25 million are eligible for the program. For more information, contact Stanley Pfrang, Commerce, at (608) 267-0639.
Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid May 15, 2003 to shareholders of record on April 25, 2003.
Landmark entertainment resort includes restaurant and 10 luxury condominiums The winner of the auction will own a landmark 18-hole golf course, founded in 1896 and carefully crafted and improved over 100 years. The resort destination includes a recently constructed clubhouse that is home to 680 North, a full-service restaurant in a venue suited to live entertainment. Green Lake Lodge offers upscale hotel/condominium living complimented by all of the clubs amenities and located next to beautiful Green Lake. This is another case where the auction process is an ideal fit for selling high-value trophy properties, said Frank Diliberto, president and CEO of Inland Real Estate Auctions. Its difficult to place a value on an operating resort business, especially when theres a development component to the package. The auction process establishes bids from various buyer-types, providing real evidence of value.

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The number of new single-family homes under construction in El Paso County fell for the second straight month in February, but industry officials arent fretting yet. Construction began last month on 584 single-family homes - down 12 percent from the 664 homes started in February 1999. Combined with Januarys figures, which also declined from the previous year, single-family housing starts for the first two months of 2000 in the county were down 11.5 percent over the same period in 1999.
WASHINGTON — The housing market is still booming, with construction of new homes rising 0.2 percent in May. Builders rushed to break ground on new projects to meet strong demand fueled by low mortgage rates. While the May increase was slightly below the 0.6 percent gain that had been forecast, economists blamed a decline in the South on the temporary effect of unusually wet weather in Florida and other parts of the South. They noted that permits for new construction, a key indicator of future strength, came in at a solid annual rate of 2.050 million units. “We still have a red-hot housing market,” said David Seiders, chief economist of the National Association of Home Builders. “Surveys of both lenders and builders are showing tremendous ongoing strength with little or no hints that anything is starting to fall.”
In an otherwise unstable economy, the housing market has remained strong, with exceptionally low mortgage rates encouraging many to buy homes, driving up home prices, and enabling homeowners to refinance existing mortgages at lower rates. Even though many analysts believe that the mortgage rates bottomed-out in mid-June and the refinancing boom may have ended, rates are still low by historical standards, and although it is slower, the demand for housing is still present.

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BARTOK Royal Philharmonic / Gatti Conifer 75605 51324 2 Nothing if not a confident choice with which to celebrate your new orchestra, your new recording contract. If youve a mind to show off, then you do so in the best of company with Bartoks Concerto for Orchestra. Characteristically, though, Gattis Bartok is more about drama than display. And thats more of a novelty than you might think. Bartok so often gets left behind in performances of the Concerto. So often its about sound not because of sound. So often the music is subsumed by the special effects. The shows the thing. Not here. Gattis “Introduzione” at once opens magic casements on to the concerto beyond. Muted string tremolandi are drawn like a veil over the opening pages, the violas sul ponticello adding a touch of frost. The solo flute is pale and very interesting. Not a bar, not a note goes by that doesnt convey something. The intrigue of a first encounter, thats the spirit. So those little oboe and/or clarinet and harp diversions in the first movement come on like ancient airs and dances; so there is nothing remotely faceless about the woodwind “couplets” of the second movement; so the third movement “Elegia” stretches and intensifies the dynamic possibilities, suggesting a lake of tears to shame even Bluebeard, with ardent violins pulling more sound up from their bottom strings than Ill wager even they thought they had. When did you last hear the cor anglaiss plangent canon to the lyric main theme of the “Intermezzo interotto” sound this purposeful? And since when did Till Eulenspiegel get to play tag with the Shostakovich “Leningrad” theme? All right, so the finale sacrifices fire to the rustico character of the music (presto? hardly), so youre listening to the Royal Philharmonic thinking of the Chicago Symphony. But theres more music being made here than in the average Concerto for Orchestra - and thats a fact. The Divertimento, meanwhile, is further testament to Gattis work in progress with the RPO strings. Folk dance and fiddling are at the heart of this piece, the character once again dictating the sound. Which is just as it should be and so rarely is. Edward Seckerson
Sylla came to music production through a friend from Ivory Coast who wanted to record Cuban songs in an authentic style. “I got into making suggestions about how to go about it, and how to arrange them,” he says. His recording break came with Orchestra Baobab in 1979 at the legendary Golden Baobab studio in Dakar, now part of Xippi studios, run by Youssou NDour. His production role has been shaped by his extensive terms of reference. “I travelled all round central Africa with my parents, and when I was in Paris I collected all these Cuban records, along with soul and other styles, and I think I bring this to artists. “With Baobab in the Seventies, everyone was doing rumba, but I was the man who actually had the huge record collection and was able to point them in the right direction. Salif Keita was looking for something revolutionary, so I suggested putting him in touch with someone from the West who had the same avant-garde approach. That was Francois Breant - and basically I let them get on with it.”

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Source: Global Forum for Health Research
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

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

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The Graphic Design Business Book By Tad Crawford Allworth Press, 2005 $24.95, 247 pages With strategies for creating a business plan, managing a studio, presenting portfolios, and web marketing, not to mention sample contract forms and listings of professional organizations, this volume should be a good place for aspiring professionals to start. Tad Crawford is an attorney, as well as the president and publisher for Allworth Press, and has written many other business books for creatives, including A Legal Guide for the Visual Artist and Business and Legal Forms for Graphic Design. Establishing competitive prices for design work, negotiating contracts, and getting clients to pay are covered, and Crawford also includes much information on copyright and trademarks, taxes, and insurance.
The Graphic Designers Guide to Better Business Writing 10 East 23rd Street, Suite 510, New York NY 10010

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Noonan has nine years of experience in sales and marketing, specializing in North County coastal neighborhoods.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
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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Tobron Office Furniture announced that Jennifer Leotis has joined the firm as a sales assistant. She resides in Staten Island, N.Y.
Office Suppliers, Inc. has opened an office furniture outlet in the Orchard Hills Shopping Center, across the street from its headquarters and showroom near Maugans Avenue, north of downtown Hagerstown. It showcases a variety of new, gently used and discontinued home office and commercial furniture, as well as refurbished copiers and fax machines, said Rachel Stoops, who is managing the store. “All the furniture in the front of the store will be new, along with some barely used pieces that come from the main showroom. Some of the furniture in the warehouse will be from jobs we do, but not much is in the way of trade-ins.”
Sticking with our makeover theme, you may want to think twice before you scrap your old office furniture. Rather than sending it off to a landfill, think sustainability instead. With that thought in mind, furniture-maker Haworth Inc. and students from Archeworks, Chicagos alternative design school, joined forces to devise a strategy for extending the life of office furniture by developing innovative uses for it once its traditional “end of life” has been reached. Among the furniture students creatfrom discarded systems panels and overhead storage bins were a toy box, a day bed, and a product called the Unit for Living (pictured), a piece that incorporates a bed, storage, and a desk.

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Business Editors Marcus Hotels and Resorts, a division of The Marcus Corporation (NYSE: MCS) today announced it will manage Timber Ridge Lodge, a new 225-unit condominium hotel project to be developed on land adjacent to the companys Grand Geneva Resort Spa in Lake Geneva, Wis.
Compiled by Heather Gunter, hgunter@advanstar.com

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The upswing in the economy has meant better business for office furniture and equipment dealers this year. However, some dealers around the county say that some businesses are still looking for ways to stretch a buck when buying for the office. According to the Business and Institutional Furniture Manufacturers Association, office furniture buying in the United States shrank in 2001, 2002 and 2003. The association expects to see a 5.1 percent increase in sales this year and is projecting a 9.3 percent increase next year, the best since 2000.
LOUISVILLE, Ky.–(BUSINESS WIRE)–Dec. 21, 1998–DMI Furniture, Inc., (NASDAQ: DMIF) announced today the development of a new identity with the formation of DMI Office Furniture. Operating as a division of DMI Furniture, Inc., the mission of DMI Office Furniture will be to manufacture and market mid-market office furniture. DMI Furniture, Inc. is a Louisville, Kentucky based vertically integrated manufacturer, importer, and marketer of residential and commercial office furniture consisting of five operating divisions and operating five manufacturing plants in Indiana and manufacturing sources in Asia, Malaysia, and Mexico.
* NEW FINANCIAL BENCHMARKING REPORT FOR DEALERSThe Office Furniture Dealers Alliance ( OFDA), a segment of the Independent Office Products and Furniture Dealers Association ( IOPFDA) has released a new OFDA Dealer Financial Comparison Benchmarking Guide. The results of the study are based on the responses of 137 participating dealers who provided operating results from the 2001 calendar year.By using the OFDA Guide as a benchmarking tool, OFDA was able to determine that controlling key pro! it variables are of iar greater significance in achieving financial success than simply increasing annual revenue - a focal point of many dealerships. The dealerships surveyed for the report posted average 2001 revenues of $16.9 million, and a pre-tax profit of 0.94 percent ( or approximately $159, 900). In contrast, “high- profit” dealers posted average revenues of $13.5 million, but a pre-tax profit of 5.46 percent ( or $736, 850).

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Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid August 15, 2003 to shareholders of record on July 25, 2003.
Landmark entertainment resort includes restaurant and 10 luxury condominiums The winner of the auction will own a landmark 18-hole golf course, founded in 1896 and carefully crafted and improved over 100 years. The resort destination includes a recently constructed clubhouse that is home to 680 North, a full-service restaurant in a venue suited to live entertainment. Green Lake Lodge offers upscale hotel/condominium living complimented by all of the clubs amenities and located next to beautiful Green Lake. This is another case where the auction process is an ideal fit for selling high-value trophy properties, said Frank Diliberto, president and CEO of Inland Real Estate Auctions. Its difficult to place a value on an operating resort business, especially when theres a development component to the package. The auction process establishes bids from various buyer-types, providing real evidence of value.
Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid May 15, 2003 to shareholders of record on April 25, 2003.

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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.
Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.

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Sticking with our makeover theme, you may want to think twice before you scrap your old office furniture. Rather than sending it off to a landfill, think sustainability instead. With that thought in mind, furniture-maker Haworth Inc. and students from Archeworks, Chicagos alternative design school, joined forces to devise a strategy for extending the life of office furniture by developing innovative uses for it once its traditional “end of life” has been reached. Among the furniture students creatfrom discarded systems panels and overhead storage bins were a toy box, a day bed, and a product called the Unit for Living (pictured), a piece that incorporates a bed, storage, and a desk.
Tobron Office Furniture announced that Jennifer Leotis has joined the firm as a sales assistant. She resides in Staten Island, N.Y.

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Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid August 15, 2003 to shareholders of record on July 25, 2003.
Compiled by Heather Gunter, hgunter@advanstar.com
Business Editors Directors of The Marcus Corporation (NYSE:MCS) today declared a regular quarterly dividend of $0.055 per share of common stock. The dividend will be paid May 15, 2003 to shareholders of record on April 25, 2003.

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Office Suppliers, Inc. has opened an office furniture outlet in the Orchard Hills Shopping Center, across the street from its headquarters and showroom near Maugans Avenue, north of downtown Hagerstown. It showcases a variety of new, gently used and discontinued home office and commercial furniture, as well as refurbished copiers and fax machines, said Rachel Stoops, who is managing the store. “All the furniture in the front of the store will be new, along with some barely used pieces that come from the main showroom. Some of the furniture in the warehouse will be from jobs we do, but not much is in the way of trade-ins.”
Cheryl Epps has joined Tobron Office Furniture as a sales assistant. Epps attended Mary Mount Manhattan College, majoring in communication arts.
Tobron Office Furniture announced that Jennifer Leotis has joined the firm as a sales assistant. She resides in Staten Island, N.Y.

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Wisconsin companies with annual sales under $25 million are eligible for the program. For more information, contact Stanley Pfrang, Commerce, at (608) 267-0639.
Compiled by Heather Gunter, hgunter@advanstar.com

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Real Estate Investment Trusts (REITs) are essentially closed-end real estate funds. They invest in commercial, office and/or residential properties. REITs typically generate high income (10%-to-15%) and some provide even higher returns. Because of their high yields, REITs are currently very popular. Lately, some REITs have been yielding over 10%. Here are some examples of REITs: Your stock broker should be able to provide more information. Money Digest publishes articles on REITs, income and royalty trusts on a regular basis.
In recent years, investing in most real estate projects has generated very handsome returns. Other than the office markets in some high-tech areas, the returns on real estate have far exceeded the returns on all other investment categories. There are a variety of reasons why real estate, in general, has performed above other investment types, one of which is the unusually low interest rates. These investments included a variety of real estate types, such as single-family housing, multi-family office buildings, hotels, raw land, assisted living facilities and industrial properties. Investments were made by direct equity mezzanine funding, mezz equity and mortgages. All the investments were made with outside managers.
Question: As a business owner, when is it a good idea to invest in real estate? Answer: Investing in real estate can be tempting to many business owners who are hoping to cash in on increasing real estate values and to achieve the peace of mind that comes with being your own landlord. Banks make borrowing money for real estate easier than many other loan types, further enhancing the attractiveness of real estate investments. But when should you invest in real estate?

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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.
Politicians are polishing up their information about local dentist services. Liberal Democrats in Gateshead and Washington have launched a survey of dental care. Low Fell councillor Frank Hindle is co-ordinating the survey.

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Progressive Gaming International is a leading supplier of Integrated Casino Management Systems Software and Games for the gaming industry worldwide. The Company develops and distributes an expanding array of slot and table games, plus management and progressive jackpot software systems.
Business Editors Gaming Writers Park Place Entertainment Corporation (NYSE:PPE) will present at the CIBC Gaming, Lodging Leisure Conference on Tuesday, February 26th at 8:15 a.m. (EST) at the Metropolitan Club in New York.

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FEAR of exploitation and degradation is what inspired Congress in 1872 to set aside 2.2 million acres in three states to preserve the unique volcanic region known as Yellowstone as the worlds first national park. President Ulysses S. Grant signed the measure declaring that the sensitive area, with its roaring geysers and bubbling mud, would forever be set apart “for the benefit and enjoyment of the people.” Sadly, the short shrift given to Yellowstone, that grand old patriarch of parks, is symptomatic of a neglectful policy being applied to our national treasures across the board. At a time of war and tax cuts and huge deficits, something has to give. And under a spending bill recently approved by the House, a big loser is clearly the nations parks, already woefully underfunded.
In 2004, the EMS team identified its first large-scale initiative–solid waste management. Some of the guidelines introduced include: * Recycling opportunities for visitors. There are currently 63 recycling bins in the park, and it is estimated that there has been a 50 percent increase in the amount of commodities collected in the park, particularly plastics. * Recycling propane cylinders. Through a partnership with Grand Teton National Park, Yellowstone and Grand Teton concessionaires, the Yellowstone Park Foundation and various private entities, there is now a program of collecting and recycling propane cylinders in the greater Yellowstone area. The Propane Bottle Recycler (PBR), a mobile propane recycling unit, is now being used to recycle the estimated 3,000, one-pound propane cylinders discarded in the park each year.
Yellowstone Denied

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Like Mike Christopherson (Readers Forum, Dec. 1), I wondered why the state of Utah was accumulating such a big sum of money when the roads around the state badly need fixing and schoolteachers are underpaid. I read his letter to my husband. He said, “I know the reason. Theyre just like me. I would rather have the money in the bank than buy a new suit.” Spanish Fork
AND ITS JUST WAITING FOR ENTREPRENEURS TO SHOW UP WITH LOAN APPLICATIONS - BUT YOU HAVE TO KNOW WHERE TO GO. CHECK OUT THE TOP 186 ENTREPRENEUR-FRIENDLY BANKS. Thats the word from Jere Glover, chief counsel for the SBAs Office of Advocacy, who shared with us results from the offices Micro=Business-Friendly Banks in the United States 1999 Edition report. The thing that stands out most about this sixth annual survey of loans of $100,000 or less, says Glover, is that although business lending as a whole has continued an upward climb, the rate of actual dollar amount lent to entrepreneurs has slowed. This is not [as bad as it seems] for business, he says, because weve had rather robust growth through the year [3, 4 and 5 percent]. But now, [with this years 2.5 percent increase], its not growing as fast. Also, the surveys data doesnt indicate how many companies actually tried to get microloans. Consequently, Glover says its difficult to determine if this decrease portends a looming credit crunch.

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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.
Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.

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ELMSFORD, N.Y. — Technology created the blank recording media category and ongoing waves of innovation are continuing to reshape it. The latest breakthrough has come from Fuji Photo Film U.S.A. Inc. Fuji has compiled an impressive record of improvements in photographic film technology, but its most recent achievement will lead to a truly dramatic quantum increase in the storage capacity of such magnetic media as videotape. In addition to the ultrathin coating, the Nano Cubic system incorporates two types of extremely fine magnetic particles: acicular ferromagnetic alloy particles and tabular ferromagnetic hexagonal barium ferrite particles.
Black audio tapes continued decline in 4th quarter, off 9% in shipments audio more than 10% in dollar sales. For full year, blank audio shipments fell 11% to 376.4 million and dollar sales 10% to $281.4 million. Standard VHS tape shipments were down 4.2% in quarter and 4.1% for year. Price erosion caused 7.1% drop in dollar volume in quarter and 6.2% for year.Heres CEMA breakdown of blank media factory sales for 4th quarter and year:
FAIR LAWN, N.J. — With emerging audio formats and an expanding universe of camcorder users driving demand for blank media, Maxell Corp. is reminding chain drug stores that the segment still holds significant potential for the trade class. With the warmer weather coming, there will be a noticeable increase in demand for camcorder videotape, says director of marketing Peter Brinkman. He adds that retailers that add 8mm and VHS-C blank tapes to their seasonal sections tend to see higher impulse sales than those who dont. Brinkman points out that the number of United States households that have at least one camcorder continues to grow at a brisk pace, creating more opportunities in the blank tape category. As is the case in the audio segment, the category is feeling the influence of new formats, including the popular Hi8mm format. What we have seen over the past few years is that consumers feel very comfortable buying their blank media at chain drug stores, so its a good idea to be ready, he says.

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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Noonan has nine years of experience in sales and marketing, specializing in North County coastal neighborhoods.

Larchmont Real Estate

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Stocks: The Beyster Institute, a non-profit education, training and consulting organization, is hosting a workshop on stock appreciation rights and phantom stock for companies from 7:30-9:15 a.m. on Oct. 26 at the La Jolla Marriott hotel, 4240 La Jolla Village Drive. The workshop, titled Synthetic Equity: Stock Appreciation Rights, Phantom Stock and More, will be presented by Anthony Eppert, an attorney at Lute, Forward, Hamilton Scripps LLP. For information, call (858) 826-1688.
STOCKSThere is no doubt that investing in the stock market can be one of the most exciting ways of making money. It is rewarding to see the little-known stock one chose become a hot property, perhaps doubling in priceand then doubling again and again. But as with any investment, the potential risks are equal to the rewards, so investors who want to participate in the stock market owe it to themselves to become fully informed before getting involved.Stocks are bought and sold in marketplaces known as stock exchanges. The exchange itself does not buy or sell stock, nor does it set the price of stock; the exchange is simply a forum in which individuals and institutions may trade in stocks. Stock exchanges play a vital role in a capitalist economy. They provide a way for individuals to purchase shares in thousands of businesses, and they provide businesses with an important source of capital for expansion, research, and other purposes.

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[ILLUSTRATION OMITTED]
By Prestige Spa Covers * Features: company will showcase its spa covers; four styles from which to choose; quality, custom made products, per maker * Offerings: direct-ship program; 2/5-year warranties * Contact: Prestige Spa Covers, Clearwater, Fla. (800) 341-7661
by SP International Features: manufacturer will exhibit its 30-by-96-inch Spa Hamak, which installs with Velcro and is made of polyester and PVC; intended for tanning and relaxing in the spa; pillow is optional: Spa Booster, a 15-by-18-inch polyester booster seat, also is available; product is weighted with sand and designed to raise seating area in a spa for children Contact: SP International, Longueuil, Quebec, Canada (866) 670-4664; Booth 2643

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In his preface he relates that the present work is intended to offer a background set of principles and to review state-of-the-art techniques of diagnosis and treatment in SCI care. The management of persons with SCI is outlined clearly in the first four chapters. Chapter 1, Principles of SCI, reviews anatomy of the spinal cord and briefly mentions problems and goals of care phases of SCI. Chapter 2, Acute Care, covers neurologic and orthopedic aspects of SCI and treatment approaches to minimize further injury and complications. Chapter 3, Rehabilitation, classifies impairments of sensation, motor function, micturition, defecation, sexual function, autonomic function, skin, and breathing. The management of these impairments, with the goal of minimizing disability, is outlined. Problems that might be faced in continuing care, such as posttraumatic syringomyelia, spasticity, and pain, are focused on in Chapter 4. The fifth and last chapter of this book, Participatory Planning, emphasizes involving the patient in goal setting and presents approaches for the planning process. The authors intended audience-physicians working with patients with SCI (particularly residents in neurology and rehabilitation medicine), physical therapists, occupational therapists, nurses, and others seeking a basic introduction to SCI-certainly will find this work useful. Other texts, including those listed in the references at the end of each chapter, would be better resources for more detailed information on the management of persons who have SCI. Physical therapy practitioners and other health care professionals would find the chapter on participatory planning particularly interesting and valuable.
Personal Injuries follows The Laws of Our Fathers, which Turow completed in 1996. His latest novel is set in the fictional Kindle County, which has much of the atmosphere and many attributes of Chicago, the city in which Turow and his wife practice law. The IRS has located a bank account into which large amounts of money have been deposited by those associated with a small law firm. The account appears to be a device to hide income, and the IRS immediately puts the pressure on Robbie Feaver, one of the two partners in the firm. The real problem for Feaver began when the IRS agents opened his front door to let in U.S. Attorney Stan Sennett, who had an entirely different goal than tax recovery on his mind. That is when George Mason got involved. Mason was an attorney who had an office in the same building where Feavers firm had its offices. Mason becomes the voice of the novel as Feavers attorney for the defense of the tax fraud charges. The story is told largely from his point of view as he attempts to help Feaver through what becomes a complicated hodgepodge of personal relationships, schemes, double-dealing, subterfuge and, ultimately, death. It seems the U.S. Attorney is interested in leveraging the potential tax charges against Feaver to force Feavers cooperation in a sting operation. The target of the sting is Feavers law partners uncle, the chief judge of the local court. U.S. Attorney Sennett believes there is widespread corruption in the courts. Feaver confirms that he has been involved in a system by which he can influence the outcome of cases favorably. The system involves giving money to various people who work for different judges, and the belief is that some of the money in each case makes its way to the chief judge.
Taxation of Personal Injury Awards Recent legislation, as part of the Revenue Reconciliation Act of 1989, may have settled some of the other areas of disagreement. The legislation provides that the exclusion for personal injury awards does not apply to any punitive damages in connection with a case not involving physical injury or physical sickness.(1) Thus, it would appear that all damages, both compensatory and punitive received for physical injuries will be excluded from gross income. Only compensatory damages received for non-physical injuries will be excludable from gross income. Punitive damages received for non-physical injuries will be taxable. The new provision is effective for amounts received after July 10, 1989, in tax years ending after that date, unless a binding agreement, decree or award is in effect before then. Despite the clarifying legislation, areas for disagreement between taxpayers and the IRS still exist regarding the nature of non-physical injury awards involving libel or defamation of character. Lets examine the statutory provisions, administrative pronouncements and judicial interpretations affecting the taxation of awards for libel or defamation of character.

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> ATHENS The leader of Greeces powerful Orthodox Church has urged worshippers not to buy Christmas cards bearing unchristian designs like Santa Claus and Christmas trees. All the cards have snow and deer. that is not the message of Christmas, Archbishop Christodoulos said. You must buy cards that show the birth of Christ. In 2000 he suggested that Valentines Day should be scrapped.
Online Christmas cards will save you the hassle of hunting for stamps, and you can send them on the day. While no-one would willingly exchange an empty mantelpiece for a full inbox, they can be the other only realistic option, especially for overseas cards sent late in the day. To send the card, simply fill in your e-mail and that of your recipient, add a personal message (which you can spell-check). You can even add a photo if you like.

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Hobbytown USA Join Hobbytown USA [R]–the worlds largest hobby store franchise and the leader in family fun. Work and play with toys, gaines, models, trains, radio control cars and planes, and more. Turn-key setup, accounting and advertising services, national buying power, custom software, and ongoing training in a rewarding industry. E-mail dfo@hobbytown.com or call:
Pet Pals For dog-lovers, cat-lovers. and animal-lovers.
A dog is a loyal companion, who would defend you to the end. Yes he can be stubborn, but hes still your very best friend. He knows when youre up and senses when youre down, cos totally out of the blue. he becomes a clown, just for you!

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Most financial conglomerates in Norway are mainly engaged in hanking activities. Chart 3.1 summarises hanks assets and Huhilities. Loans to Norwegian households and enterprises account tor approximately two-thirds of hanks assets. Developments in credit risk are therefore of central importance for banks* earnings and for financial stability. This section primarily focuses on an analysis of hanks and changes in financial infrastructure. Developments in other financial institutions arc discussed in brief. Banks results have been solid so far this year. However, banks total pre-tax profits as a share of average total assets declined somewhat compared with the same period last year (see Chart 3.2). This is because operating income has fallen more than operating expenses. Bolh net interesi income and operating expenses have exhibited a falling trend over a longer period.
Who knows what evil lurks in the hearts of men?Under newer and tougher standards, auditors are more involved than ever before in reducing the incidence of financial fraud. Statement on Internal Auditing Standards No. 3 requires the internal auditors to recognize the characteristic warning signs of internal fraud. Certified Fraud Examiners, many of whom have an audit background, are required to resolve allegations of fraud. Statement on Auditing Standards No. 53, promulgated by the Auditing Standards Board of the American Institute of Certified Public Accountants, requires external auditors to be more proactive in searching for fraud. Statement on Auditing Standards No. 54 requires the independent auditor to recognize major illegal acts, and in some instances report them. Legislation pending in the U.S. Congress may mandate even tougher standards.To meet their ever-expanding responsibilities in the area of fraud deterrence, internal auditors must be more “fraud-savvy” than ever before. During the last five years, Ive conducted interviews with McKinley Tabor and a few dozen other offenders. There is a lot we can learn from these financial Frankensteins.
FINANCIAL STATEMENTSFinancial reporting is a broad concept encompassing financial statements, notes to financial statements and parenthetical disclosures, supplementary information (such as changing prices), and other means of financial reporting (such as management discussions and analysis, and letters to stockholders). Financial reporting is but one source of information needed by those who make economic decisions about business enterprises.The primary focus of financial reporting is information about earnings and its components. Information about earnings based on accrual accounting usually provides a better indication of an enterprises present and continuing ability to generate positive cash flows than that provided by cash receipts and payments.

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LaVonna Hitz, Editor
PRINT THE LEGEND: PHOTOGRAPHY AND THE AMERICAN WEST By Martha A. Sandweiss (Yale University Press, New Haven and London, 2002, xiii, 402 pp., $39.95 cloth). It took almost two decades for photography to develop into the major influential force that would help shape the public image of the West. Nineteenth century audiences were addicted to the dramatic narrative of Western life presented by contemporary/paintings and drawings. Only when photography became a storytelling medium, employing some of the metaphorical aspects of paintings, was it able to compete in the marketplace with other types of visual images. Photographs gained value when they could summon a spirit of nationalism or heroism.

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Sue Winters was named Alaska reverse mortgage consultant for Wells Fargo Home Mortgage, a division of Wells Fargo Bank N.A. Winters will work exclusively with senior homeowners seeking a reverse mortgage, a home financing program that allows homeowners to utilize the equity in their home to supplement their retirement income. Winters has more than 10 years of experience in the mortgage industry. Wells Fargo Home Mortgage also has named Ethan Hormann as sales manager of Alaska Best Mortgage, a joint venture affiliate of Wells Fargo Home Mortgage and Coldwell Banker Fortune.
REFINANCED GRANDFATHERED DEBT QUADS AS grandfathered debt if the mortgage proceeds do not exceed the balance of the old mortgage prior to refinancing. Home mortgage interest expense is deductible if certain requirements are met. In general, mortgage interest expense is deductible only if the home is collateral for the debt (secured debt). If the borrower cannot pay the debt, the lender can use the home to satisfy the loan. Interest expense paid on home acquisition debt, home equity debt, and grandfather debt is generally considered deductible. A mortgage taken out after October 13, 1987, to acquire, build, or substantially improve a qualified residence is classified as home acquisition debt. Qualifying debt is limited to $1 million ($500,000 each for married filing separately). The $1 million limitation is reduced (but not below zero) by any grandfathered debt. If home acquisition debt is refinanced, the new debt will qualify as home acquisition debt only up to the balance of the old mortgage prior to refinancing. The interest attributable to the additional debt will be nondeductible personal interest unless it qualifies as home equity debt.

Seattle Reverse Mortgage

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SOUTH JORDAN — The 2004 Utah Horse Expo will be held this weekend at the Salt Lake County Equestrian Center in South Jordan. The event will feature seminars, horse shows, horse trainers and experts along with the latest in horse products and services. The Horse Expo will be open today, 10 a.m.-9 p.m., and Sunday, 10 a.m.-5 p.m.
The stable was dark and rich and sweet and moist, and the darkness seemed to deepen with the breathing of her exquisite horses as she explained how her best thoroughbred was broke to death, had lost his edge, though he still trembled and reared and shied away and battered his stall and roared and gnawed on wood so addictively he would no longer stop to eat. I couldnt read his huge brown eyes that stretched whatever he saw across them, but merely by the pressing of my knees or the clicking of my tongue, I commanded his massive heart to take the most delicate steps. Later that night we made love and lost ourselves a bit, and Marci slept, and I stared into the fire, bemused, a little buzzed, my divorce about final, and listened hard to the night that arced like a test pattern over the little ranch and us, but could make no sense of the quiet. I thought its useless to marry again and again, though nothing I knew could stop me. Eventually, the thought of him going crazy out there alone in the dark was enough for her to put him down. That night I went out back to the pitch-black square where he had been kept, so I could see his stall for myself.

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CHRISTMAS shoppers will welcome the news that Barclaycard has teamed up this week with 17 retailers to offer discounts of 10 per cent or more to cardholders who use their Barclaycard for Christmas shopping. The retailers hope to persuade shoppers to spend money before Christmas rather than waiting for the sales. The offer should also help boost Barclaycard, whose share of the credit card market has been dropping steadily. This is not the first time credit cards have offered cashbacks and discounts instead of points and air-miles. Goldfish, the credit card run by British Gas and HFC Bank, offers users discounts on gas and electricity bills from British Gas Trading, or the chance to set savings against BT bills and the TV licence. It offers points for each pound spent, which can be swapped for vouchers at Asda, MS and Boots. Alliance Leicester broke new ground last March with their Moneyback credit card, offering a rebate of 0.5 per cent on spending up to pounds 3,000 a year, rising to 1 per cent on anything over that. In January, 400,000 cardholders will get average rebates of pounds 25. On top of that, eight retailers, including BP, MFI and Currys, give cardholders instant discounts equal to the rebates from the Alliance. The incentive seems to work: cardholders use their card 12 times a month, four times the industry average. The Birmingham Midshires discount card launched this year offers tiered cashbacks ranging from 0.33 per cent up to pounds 3,000 a year, to 0.75 per cent and then 1 per cent on spending over pounds 7,000. In May the Amex Blue card launched, offering 1 per cent cashback off the value of all purchases made with the card, which will rise to 5 per cent next month only. The annual pounds 12 fee takes a little icing off the cake. Barclaycards campaign ends on Christmas Eve. If it wins extra business for the retailers and Barclaycard it may lead to something more permanent. The other cashback cards may also decide to improve and extend their offers. If a recession really is on the way, there might just be a little silver lining for card-users. Barclaycard: 0151-473 (Trade Mark)6; Birmingham Midshires: 0800 0684466; Alliance Leicester: 0500 838383; American Express: 0800 700111.
Sir: If the Prime Minister and Mrs Blair wish to keep private the names of those who receive Christmas cards from them (Pandora, 8 March) the solution is very simple. They should pay for these cards and the postage on them out of their own taxed income, as other people do, and not charge the cost to the taxpayer. If the taxpayer pays, then the Freedom of Information Act must apply. Reading

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Lots of animals make good pets. Can you guess what kind of pet each kid has? Sallys pet feels cool and dry and likes to eat insects and vegetables. It has a long tail. Richards pet has lots of fur. It eats hay and gets a carrot for a treat. Jamal has a pet that likes to swim. Sometimes it hides in the pirate ship.
Pet Pals

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Financial Statement Disclosures for Financially Troubled Enterprises Readers of financial statements of companies operating under chapter 11 generally recognize the financial statement disclosures required by the American Institute of Certified Public Accountants (AICPA) Statement of Position 90-7, “Financial Reporting by Entities in Reorganization Under the Bankruptcy Code” (SOP 90-7). As required by SOP 907, financial reporting during reorganization proceedings should distinguish transactions and events that are directly associated with the reorganization from those related to a debtors ongoing business operations. The distinction between the reorganization and the ongoing business is made on each of the debtors principal financial statements. On the balance sheet, the debtor separately classifies pre- and post-petition obligations, distinguishing those pre-petition obligations that are subject to compromise from those that are not. Reorganization- and restructuring-related income and expenses are separately presented on the statement of operations. Within the operating, investing and financing categories of the statement of cash flows, cash flows in each of those categories resulting from the reorganization process itself are separately presented.
Who knows what evil lurks in the hearts of men?Under newer and tougher standards, auditors are more involved than ever before in reducing the incidence of financial fraud. Statement on Internal Auditing Standards No. 3 requires the internal auditors to recognize the characteristic warning signs of internal fraud. Certified Fraud Examiners, many of whom have an audit background, are required to resolve allegations of fraud. Statement on Auditing Standards No. 53, promulgated by the Auditing Standards Board of the American Institute of Certified Public Accountants, requires external auditors to be more proactive in searching for fraud. Statement on Auditing Standards No. 54 requires the independent auditor to recognize major illegal acts, and in some instances report them. Legislation pending in the U.S. Congress may mandate even tougher standards.To meet their ever-expanding responsibilities in the area of fraud deterrence, internal auditors must be more “fraud-savvy” than ever before. During the last five years, Ive conducted interviews with McKinley Tabor and a few dozen other offenders. There is a lot we can learn from these financial Frankensteins.

ira llc

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photo book designs

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Seattle Reverse Mortgage

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Symposium: Theoretical Basis and Effectiveness
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

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LEWISTON, Idaho — Lisa Benner and her horse are endurance athletes. They covered 100 miles across the Sierra Nevadas in less than 24 hours, and now theyre training to do it again. “Its you against the clock,” Benner said of the difficult competition. “To finish is to win.” When the Western States Trail Ride began at 5:15 a.m. near Truckee, Calif., 196 horses thundered into the mountains, but only 87 crossed the finish line at Auburn, Calif. within the allotted time. The 44-year-old woman and her Arabian, Jack, finished in 23 hours, 33 minutes.
SOUTH JORDAN — The 2004 Utah Horse Expo will be held this weekend at the Salt Lake County Equestrian Center in South Jordan. The event will feature seminars, horse shows, horse trainers and experts along with the latest in horse products and services. The Horse Expo will be open today, 10 a.m.-9 p.m., and Sunday, 10 a.m.-5 p.m.
She said the affected horses are showing no symptoms. The center includes 17 barns housing 400 racehorses. Only one barn was affected.

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LAS VEGAS — Combining liposuction with Thermage–a radiofrequency energy system that heats the skin to produce collagen tightening and shortening–led to clinically significant tightening of abdominal skin at 28 weeks, compared with either treatment alone, results from a small study suggest. Combining the two procedures can be particularly useful in patients with loose skin or striae prior to liposuction, David Avram, M.D., said at the 13th International Symposium on Cosmetic Laser Surgery. This can be a way of enhancing our results in those patients. However, this was a small study. We obviously need to perform more studies with more patients. For the study, Dr. Avram and his associates treated 14 patients with standard tumescent liposuction plus Thermage (group 1), four patients with liposuction only (group 2), and two patients with Thermage only (group 3). After liposuction, patients in group 1 had four tattoo markers placed in a rectangular pattern in areas of loose abdominal skin. The area was calculated and recorded prior to treatment with Thermage, said Dr. Avram, a cosmetic dermatologist who practices in New York City.
Approved by the Food and Drug Administration in March 2004, the system consists of a laser massage and cooling device for minimizing cellulite and smoothing and tightening the skin.I was skeptical at first, said Sireci, 31, who opened East Hampton Electrolysis in November 2004. But after hearing doctors discuss the treatment, she changed her mind.The handheld laser massage device, the size of a cell phone, claims to loosen up fat and increase circulation, which helps improve the skins appearance. The cooling mechanism protects the skin so that treatment is not painful. Treatment is completed after a series of 10 to 15 sessions. In addition, there is a treatment for the face, a 48-hour facelift that helps refresh facial tissue, so that the skin takes on a glow, Sireci said. You see the results right away.By mid-November of this year, Sireci had completed the necessary training and began treating clients.To date, she has about 35 clients, 10 of whom she treats with the LaserDermology system. But the rest of her clients are there for permanent hair removal through electrolysis, an FDA approved method that destroys the hair root at the bottom of the follicle. Having undergone electrolysis years ago, Sireci says she was interested in learning more about the process. So for one month she attended The Berkowits School of Electrolysis in Forest Hills, Queens for training. The treatment brings emotional healing for those seeking it, Sireci said.Some people have so much excess hair they dont want to leave their house, Sireci said. Or, theyll cover their lip when kissing people. Its a very common problem.The body, Sireci said, has thousands of dormant hair follicles that become active through puberty, pregnancy and menopause as well as through certain medications.As for those clients who find electrolysis painful, Sireci recommends topical ointments that take the edge off.Sireci used her personal savings to open her facility, including thousands for a treatment table. She is leasing the LaserDermology machine.Cellulite treatment packages run from $1,400 to $2,100; and sessions for the face cost $200 each. Electrolysis runs from $30 for 15 minutes to $85 for 45 minutes. She is also considering offering vein removal, sunless tanning and eyelash tinting.And she would like to hire someone to answer the phone. Right now its just me, she said. I wear many hats.
SmartLipo(TM) is a revolutionary new treatment that uses a laser to melt away fat in troubled areas that do not respond to diet and exercise.

Dr Sean Rice is a Royal College of Canada certified plastic surgeon that practices in Toronto, Canada and is the first plastic surgeon in Canada to offer SmartLipo(TM).

Because of the minimal trauma and tiny size of the cannula the procedure can be performed under local anaesthesia, therefore reducing the chances of side effects. Usually only one treatment session is required.

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Pelmor Laboratories Circle 129 on card
The Technominiature molding machine is said to represent a new concept for molding of small rubber parts in a multi-station rotary press. Production can be based on either compression, transfer or injection molding. The concept for this machine rests on the use of very small molds/clamps, with low cavity count and fast cycling from station to station. Cycle times as fast as five seconds from station to station are said to have been achieved. The number of molding stations is determined by the cure time and the overall number of parts to be produced. An added feature to this molding concept is the ease with which the molding process can be automated. Circle 27 on card

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Heres the scenario: An insurance company hires an outside lawyer to defend it against a potentially rain-making ambulance chaser.Heres the problem: The insurance company loses and owes some big money to the plaintiff.It used to be the insurance company would lick its wounds and move on. In more egregious cases, it might never again hire the lawyer or the firm.
Topics covered in the Video Leadership Seminar include:
Rue Ziffra - Leading Florida Personal Injury Attorneys Use Innovative Technology to Provide More Effective Support for Auto Accident Victims During Trial, Arbitration, and Mediation Proceedings New Website Launch Using Innovative Approaches to Practicing Law Rue Ziffra has adopted the motto that modern times call for modern measures. Auto accidents make up a large percentage of present-day personal injury claims, due to the 6 million accidents that occur in the United States every year. Especially for cases that involve substantial injury, it takes a substantial effort to prove ones case to get just compensation for damages. The Rue Ziffra firm has chosen to implement cutting edge technology including medical graphics, accident reconstruction animation, and other unique forms of trial technology to provide better support for client cases. By visiting Florida Injury Attorneys website, individuals can obtain more information about these practices, and how they facilitate more effective assistance for their clients legal needs.

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Although the traditional fragrance business continues to struggle in both prestige and mass market retail venues, there are signs that the category may be destined for better days. Breaking the responses down by age group, 75% of Generation Y women bought perfume in 2003 compared with 62% the year before, while Generation X purchasers increased from 60% in 2002 to 71% last year. Meanwhile, 67% of baby boomers made a perfume purchase, up from 55% in 2002. Not surprisingly, the overwhelming determiner in the purchase decision is the scent. Some industry observers have attributed the categorys recent malaise in part to the prevalence of scents that were too light to stimulate repeated purchase. But according to the Fragrance Foundation, the days of watery florals are ending, and richer, more complex fragrances are on the way.
Each scent is accompanied by poetry and visual art; Hurwitz sees the artistic offshoots as part of a larger whole. Its the seedling of a multi-sensory art project explained Hurwitz. Fragrance design is so abstract because we are always borrowing from other senses. With Passionflower, Theres a sense of being inspired by that process. $15 to $35 retail.
You can make a simple perfume on your own with ingredients from a health-food store. A $30 investment should provide enough materials for several perfumes. A small bottle of jojoba oil, which serves as a carrier. A small bottle of sandalwood oil, which acts as a base.

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