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.
FINANCIAL LITERACY
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.
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A survey of management holidays in the Wall Street Journal last week claimed that there is a Catch-22 for senior workers: “The enhanced mobility of wireless communications is making it harder for people to disconnect.” According to the report, numerous European high-flyers are spending the beach bars Happy Hour talking to colleagues back home on their mobiles. Technology, naturally, is to blame. The simultaneous arrival of the mobile phone and laptop means theres no escape. The only solution for hard-pressed senior executives is to switch their phones off and claim they are in a location too remote for a signal. But deputies remember - bosses deserve it, thats what they get paid for.
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Echols will focus his practice on general litigation with a special emphasis in the health care industry. Johnsons practice will focus on business and commercial litigation, and Steuart will focus his practice on commercial litigation.
DALLAS, June 17 /PRNewswire/ — Four attorneys from the national law firm of McKool Smith, PC, once again have earned spots among the countrys top lawyers in the 2008 edition of Chambers USA. Firm founder Mike McKool, Dallas principal Douglas Cawley and Austin managing principal T. Gordon White are profiled for their work in intellectual property law, while Mr. McKool and Dallas principal Lewis T. LeClair earned recognition for their commercial litigation work. Our firm is built on our expertise in commercial and intellectual property litigation, so it is great to be honored in both of these categories, says Mr. McKool. We are humbled that attorneys and business leaders around the country recognize the good work our firm does for clients.
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A specialty furniture manufacturer and retailer will open a showroom this fall in the Village Park Shopping Center, filling part of the vacancy left by the June 1 closure of Bollingers Books. Dallas-based Leather Center is spending about $50,000 to renovate 5,000 square feet at 10505 N. May Ave. Leasing agent Carl Archiniaco, vice president of Harrison Levy Co., said he will target other home improvement merchants to fill the shopping centers vacancies. He is already talking with a gift shop and framing gallery. “We hope to build around the home improvement theme within the shopping center,” Archiniaco said. “This is a theme that has been proven in many successful specialty shopping centers.”
Nursing home care in Utah is improving, the Centers for Medicare and Medicaid Services reported Wednesday. Many of those improvements were linked directly by care center administrators to a quality improvement project through HealthInsight, Medicares Quality Improvement Organization in Utah. The organization is part of the national Nursing Home Initiative, which focuses on raising standards of care in nursing homes across the country and giving consumers more comparison information.
SAN FRANCISCO — The following release focuses on the topic Home Improvement: LOUISVILLE, Ky.–GE ClimateKeeper2 Refrigeration Technology Keeps it Fresh in the Kitchen (12/01/2004 - 08:00 AM, SOURCE: General Electric Consumer Industrial, NYSE:GE)
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- 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.
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.
There were 45 attendees including agents from Prudential Greater Topeka REALTORS, Topeka, Manhattan, Salina and Overland Park. Janice Price, of Munster, Ind., was the trainer for Prudentials University on Tour.
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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.
next year when they stage their first event in Poland. The 72-hole tournament will have a minimum pounds 100,000 prize-money and will be played at the Amber Baltic Golf Club in May.
institute next March in Florida. The Faldo Golf Institute by Marriott in Orlando will consist of a nine-hole course, a 27-hole putting facility and one of the largest practice areas in the United States.
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Celebrating Americas Love Affair with Sports NEW YORK — Its Valentines Day and what better way to show off your love of sports than by sharing your most treasured sports memorabilia with the rest of this Fan-tastic nation. The Sports Museum of America (SmA) invites fans from around the country to loan their favorite sports mementos for exhibition alongside those of Jesse Owens, Shannon Miller, Muhammad Ali, Jim Craig, Billie Jean King, and countless other sports legends when SmA opens in New York City this May.
“The sports memorabilia auction business has historically been very
lucrative for the auction houses specializing in it,” said Phillip
Wasserman, President of Sportsend, Inc. “Sportsend is very excited
to be entering this field and believes that this new synergistic
business will greatly contribute to our financial success in the
future and will be the foundation of our future growth.”Sportsend, Inc. is also affiliating its new auction division with an
experienced and successful auctioneer and auction house who will help
direct and consult with the company on expanding its auction
presence.
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Ah yes, security - the security of knowing that you are going broke safely and without any risk. Doesnt that make you feel warm all over? It should make you sick, but that is exactly what a lot of you are doing: going broke safely. Life is good for you in Anytown, U.S.A., with trees along the street, flowers blooming, birds singing and patients just flowing into your office with big subluxations and insurance policies to match! Ah yes, life is good. You get that dollar from your patient and you feel good - real good! Not so fast! You have a few little items to deal with first: rent; salaries; telephone bills; utilities; advertising; etc. (One et cetera was having to do battle with an insurance company or managed care, which is neither managed nor cares!) Thats right, the ugly “O” word has just stepped forward to take at least 50 cents away from that wonderful dollar that your appreciative patient just gave you - overhead! Yes, overhead can and will take its toll, and that toll -is around 50 percent, if you are lucky. But who cares? The trees are still there, the flowers are still blooming, and you are happy, right? You have 50 cents and you will take it to your friendly banker and he will say hello and wish you well. Life is good!
In the past, unauthorized entry was the biggest threat to building security. As the tragic events of and following Sept. 11, 2001, have made all too clear, threats to security have become more varied and sophisticated. In developing a security program today, facility executives must also consider the threats of bombs and biological and chemical weapons.The results of this assessment will allow facility executives to design and implement security measures in concentric zones, from the interior of the building outward to the public domain.
SECURITY: Just as Cisco Systems chief John Chambers is never short on vision, hes also never at a loss for a left-field metaphor. Speaking at a security conference last month, Chambers said that the network of the future will be so complex, thanks to mobility and collaboration, that it will need a security approach similar to the human bodys immune system. For the majority of attacks on the human body, youd never even know it occurred, Chambers said. Thats where we have to go with virtual and physical security. Weve got to move to innovative, proactive security architectures designed to open standards that will interface to each other effectively.
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The good news for dealers who have forged close ties with builders is that such bonds could serve them well into the next century. The bad news is the nature of those relationships is likely to change, and dramatically, according to a trio of builders who offered their thoughts on the future of building materials distribution at the Third Annual Pro Dealer Conference held in early September in Dallas. To remain vital cogs in the building material supply chain, dealers will need to make substantial changes in the way they do business, Dodge and fellow panelists Pat Hamill of Denver-based regional builder Oakwood Homes and Dan Horowitz of custom builder Horowitz Homes on New Yorks Long Island concur. Home builders, they say, increasingly want suppliers who can efficiently perform a greater range of services involving a higher percentage of the products that make up a home. In this pursuit, builders are turning away from old commodity-oriented, price-based relationships and forging closer, more strategic alliances with whoever can get the job done. Unfortunately for traditional dealers and distributors, that increasingly involves buying direct from manufacturers. Centex, Dodge says, is already working to establish supply relationships with manufacturers for a wide range of materials including windows and paint, and it plans to explore additional arrangements in other product areas.
Builders Bank has also provided $1.875 million for the acquisition of a parcel of land in the Village of Fort Salonga, N.Y. Jeffrey Wall, Builders Bank senior vice president arranged the financing along with Vice President and Credit Manager Cynthia Forte.
Besides Latin America, your company is at work on projects in Africa, North America, Europe and the Middle East. What are the problems and advantages, compared to doing business in Latin America? What is not attractive about Latin America, from the point of view of a foreign investor, is that growth and size of market are small compared to other markets. Latin America has grown a little slower than the rest of the world and investors seem to be ignoring the region to the degree that they are focused on other markets they already know. On the other hand, a very favorable condition is that, despite crises here and there, in general Latin America is an extremely friendly place to do business. We dont have any contracts falling apart.
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Pest controllers locate, identify, repel, and destroy pests. They use their knowledge of pests habits, along with an arsenal of pest management techniques-applying chemicals, setting traps, operating equipment, and even modifying building structures-to alleviate pest problems. The best known method of pest control is pesticide application. Pest controllers apply two different types of pesticides: common use and restricted use. Common use pesticides are the most widely used and are readily available; in diluted concentrations, they are available to the public. Restricted use pesticides are available only to professionals for the most severe infestations. Their application is regulated by the Environmental Protection Agency (EPA) because of their potential harm to pest controllers, customers, and the environment.
HOW MANY would have thought that the pest control business could mean big bucks for entrepreneurs in the country? Well, hows this for starters? The estimated total business turnover of the pest control industry in Malaysia is about RM80 million. As Dr Lee Chow Yang, Associate Professor (Urban
Pocket gophers are fossorial (burrowing) rodents–so named because they have fur-lined pouches outside the mouth, one on each side of the face. These pockets, which are capable of being fumed inside out, are used for carrying food. Pocket gophers are powerfully built in the forequarters and have a short neck; the head is fairly small and flattened. The forepaws are large-clawed and the lips close behind large incisors. This feature allows them to use their incisors for digging without getting a mouthful of dirt, a unique feature to gophers. There are over 30 species of pocket gophers in the Western Hemisphere. Pocket gophers vary in size from 5 1/2 inches in length to over 13 inches in length. Litter sizes vary from one to 10 but typically average three to four. In the northern part of their range they have one litter per year, as opposed to up to two in the southern ranges. Young gophers are dispersed above ground and are capable of swimming as well on the search for suitable habitat to begin new burrow systems. Pocket gophers feed in three ways: they feed on roots, above-ground vegetation, and they pull vegetation into their tunnel to be stored in food caches for later consumption. In the vineyard, pocket gophers girdle vines, damage roots systems (most often in new plantings), and cause multiple-irrigation problems by promoting erosion and damaging drip lines. They are solitary little beasts, vigorously maintaining and defending their tunnel system. Depending on the species and available habitat, gopher population density may vary from six to eight per acre, to up to 62 per acre. Gophers do not hibernate and only cohabitate during the breeding season The burrowing activity of one gopher produces up to 70 mounds in one month. So how do you control such an active but solitary rodent? The fact that a gopher is solitary works to your advantage. You have three basic pest management tools for gopher control: Biological control, chemical control and trapping.
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Before reading this chapter, please see “How to Get the Most Out of this Book” on page 1. It will clarify questions you may have concerning data collection procedures, forecasting methodology, sources and references, and the Standard Industrial Classification (SIC) system. For other topics related to this chapter, see chapters 44 (Drugs), and 45 (Medical and Dental Instruments and Supplies).
“There are [more than] 30 million Americans who have no health insurance and another 20 million who have inadequate health insurance,” says Rep. Louis Stokes (D0Ohio), chairman of the Congressional Black Caucus Health Brain Trust. “It is mandatory that we begin to try and give Americans–particularly minorities–adequate health care as a right.” The Bush plan would give people not covered by Medicaid tax credits, and families making less than $80,000 a year tax deductions to pay for medical costs. He would also pass laws to ensure that even chronically ill patients could receive health insurance. The plan has received a cool reception on Capitol Hill, and alternate proposals, including a full-scale, government-paid national health insurance plan, are under development. But what does America really want for its health care system? The views are many.
Editors note: This article is adapted from Menke and Bobbins Integrative Chiropractic, scheduled for release in 2007 by Elsevier Health Sciences. “The medicalization of early diagnosis not only hampers and discourages preventative health care, but it also trains the patient-to-be to function in the meantime as an acolyte to his doctor. He learns to depend on the physician in sickness and in health. He turns into a lifelong patient.” “Medicalizing” is forcing conditions into familiar diagnostic categories for medical management.1 Every complaint has an antidote, whether it needs one or not. ; Treating natural consequences of living as diseases that must be vanquished, leads to too much treatment and too much dependence on the authoritative “professional.” We tend to grant most, if not all of our decision-making authority to an expert in highly complex technologies. In the case of medicine, this often complicates the commonplace condition and prolongs selflimiting ones. Today, diseases and drugs are way oversold.
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Forty-two percent of all respondents agreed that supermarkets “need less health and beauty and more unique groceries.” (25% agreed strongly.)
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.
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.
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WASHINGTON — The Silver Institute today released a comprehensive report on trends in the global silver jewelry market. The report was prepared, on behalf of the Silver Institute, by GFMS, Ltd., the London-based precious metals consultancy. GFMS Ltd also produces the annual World Silver Survey for the Silver Institute, a role they have undertaken since 1994, and it is the report of record for the silver industry. The report features a 10-year global series for jewelry and silverware, as well as a detailed qualitative analysis of the silver jewelry market. In addition, the report also examines the following key areas: * A review of trends in silver jewelry fabrication, both at the regional level as well as focusing on countries with manufacturing volumes exceeding one million ounces, including China, India, Italy and the United States. The analysis brings out the main trends, specific to each market that have impacted silver fabrication over the past decade;
Dear Heloise: Ive read your hint on cleaning diamond and gold jewelry, but I need directions on cleaning silver jewelry. Any info you can share — A Woman Who Loves Wearing Silver, via e-mail Of course, and heres some great info from my friends at the Jewelers of America Inc. Sterling-silver jewelry does tarnish, but not to worry — you can remove the tarnish by using a paste or liquid silver polish. If you prefer, a polishing cloth that is specially treated and made for cleaning silver can be used.
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[ILLUSTRATION OMITTED]
Outsourcing Author: Steven Bragg ISBN: o 47125268 9 Price: L38.95 There is no question that this is a worthy book about outsourcing. Unlike some of the other books that have been published on this subject cent years, it is admirably balanced and there is a huge amount of detail here - 380 pages worth. Bragg has obviously got a great deal of experience in outsourcing and this comes through in his discussions on the problems that can occur with the practice.
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Its not easy doing a public offering by yourself. Winchester business consultant Jim Silvester found this out the hard way after spending more than a year pushing paperwork through a handful of regulatory agencies. Investors in private placements usually want controlling interest in the company. If all 1 million shares of common stock are sold (the minimum needed is 200,000), current Folder Factory owners will retain about 75% of the company. “With a public offering, you dilute the influence of the investors on the company,” said Steve Gentile, president of the Folder Factory and one of three owner-brothers. “Its better to have 100 investors than one or two telling you how to manage your company.” Marylanders may remember Jim Silvester. Hes the fellow who proposed an Indian-owned casino on land he owned at Will Mountain near Cumberland. It was eventually shot down by Maryland politicians.
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These official complaints about the public are more interesting than they seem. Its true that, case by case, they are perfectly well founded. The Audit Commission last week announced that there had been a 150 per cent increase in 999 calls since 1980, only a third of which had anything to do with crime and which included enquiries about late-night chemists and football scores. The commission sensibly suggested instituting a 333 call, for lost door-keys and cats up trees. At the same time, the Department of Health and the British Medical Association are complaining that night calls to doctors have doubled, many of them concerned with a jammed medicine cabinet or a lack of condoms at a crucial moment in the small hours. Doctors and police officers are certainly hard-pressed. But where will this end? The privatised utilities have already begun to show signs of the same impatience. In Yorkshire, the water company has suggested that it cannot do its job properly unless the population stops taking its water for silly reasons like washing or drinking. No doubt British Gas, even when its finances are relieved of the burden of Cedric Browns pay-off, will soon launch a series of witty advertisements inviting us to eat more cold meat and fruit cake and - like the healthier Germans or Dutch - to cook only one hot meal a day. On the surface, these appeals suggest that we are becoming softer, more demanding, more spoilt by easy living. Where is our ancient British ruggedness? It is all our fault, and our moral fibre is decaying. Far from having reversed the decline into dependency culture, as Thatcherites claim, the British are less self-reliant than ever.
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General Pinochet is charged as an intellectual co-author in this military operation from 1973 to 1977. The charges are divided between kidnapping and murder; he is specifically charged with kidnapping in 19 cases where the bodies have yet to be found and murder in the 55 cases where the bodies have been recovered. The victims were lawyers, doctors, professors, ex- governors and local politicians, all of them well known in Chile. Carmen Hertz, a lawyer for the prosecution, said there are 16 tomes, more than 12,000 pages of evidence, proving Pinochets knowledge of the actions carried out by General Stark. The investigating Judge Guzman has set a precedent in his investigation of the Death Caravan case by establishing that kidnapping charges cannot by covered by the amnesty laws in Chile because the cases remain open until bodies can be found and the date of death established.
Love or loathe them, the one thing you cant do is ignore them. Caravans and their close relative, the motorhome, are absolutely everywhere. When it comes to buying new and used, you are spoilt for choice. A trawl through the classified advertisements throws up a 19,000- mile Mercedes Benz motorhome conversion with rear lounge at pounds 30,000; caravans with names like the Lunar Clubman and Hobby Prestige; and a one-year-old, 27ft Roma GT 882 with fridge freezer and all the mod cons which seems reasonable at pounds 16,500. You would think that buying a caravan would be a relatively straightforward thing to do. Unfortunately, you cannot afford to be so complacent.
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Featuring a compact, sleek design and unmatched sound performance, JBL Spot is a plug and play solution thats compatible with any device equipped with a mini stereo jack. JBL Spot is the perfect audio system for Macintosh(R) computers and PCs — both desktops and laptops — as well as MP3 players, gaming systems, portable DVD players and more. JBL Spot comes with interchangeable black and white speaker wrappers. Additional designer wrappers, sure to become collectibles, can be purchased separately to give consumers endless options for personalization. JBL Spots design, sound quality, personalization capability and affordable price set it apart from all other speaker systems in its class. JBL Spyro takes design and functionality in an exciting new direction, offering consumers a truly innovative sound experience. JBL Spyros satellite speakers feature a unique design, and are connected by cloth-covered cables. JBL Spyro provides clean, powerful sound in one of the most stylish designs in the JBL speaker family. JBL Spyro will be available in white, black, fuchsia or retro blue. Just like JBL Spot, JBL Spyro is compatible with Macintosh computers and PCs — both desktops and laptops — as well as MP3 players, gaming systems, portable DVD players and more JBL has taken the element of superior design and combined it with personalization, allowing consumers to customize JBL Spot to suit their unique tastes and styles, said Fred Faulkner, Harman Multimedias vice president of marketing. These systems are the next generation in a family of JBL products that offers unmatched sound quality and cutting-edge design at an affordable price. JBL is committed to integrating extraordinary sound with style; JBL Spot and JBL Spyro are no exception.
ITS the ultimate chavmobile - a car that turns itself into a nightclub. The car - built to promote the new supermini model - took 1,700 man hours.
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DEDUCTIBILITY Of Home Mortgage Points Points are paid by a borrower to a lender as a prepaid interest charge for the loan in the year the loan is made. This article discusses the general deductibility of points for home mortgage loans, with special attention on refinancing loans.
FIRST-TIME buyers are having to earn more and borrow more than ever before to get on to the first rung on the property ladder. The average income of first-time purchasers jumped to pounds 18,503 in April, the highest level ever, according to figures published by the Halifax last week. These new buyers are also having to borrow at record levels, taking on an average pounds 52,846 mortgage debt to fulfil their home- owning dream. And while average house prices are rising by 3.7 per cent, first- time buyer home prices are rising even faster, by four per cent in April to pounds 53,874.
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ST. PAUL, Minn. — St. Jude Medical, Inc., (NYSE:STJ) announced today that it has developed a software upgrade that fully remedies a low-frequency anomaly in the software used in the APS III Model 3510 and Merlin PCS Model 3650 programmers. St. Jude Medical has developed an upgrade for the software that can be used during routine device interrogation to fully remedy the matter and prevent it from occurring in the future. The Company will release this upgrade as soon as pending regulatory approvals are obtained. The Company has not received any reports of patient deaths, adverse events or clinical complications as a result of the software anomaly. To date, the incidence rate of the anomaly is 0.027% (53 out of approximately 199,100 manufactured devices worldwide).
One major difference between herbal remedies and medications made by drug companies is that pharmaceuticals are the devil you know and have been rigorously tested before being permitted on the market. Their possible dangers are spelled out on the package insert. By contrast, the safety profile of most herbal medicines is not listed. People who take herbal preparations should be aware of the sparse regulations governing their use. Most herbal remedies are not legally permitted to be sold as medications in Canada, but are classified as foods. And. since theyre regarded as foods, warning labels are not required. Only a few herbal products bear federal Drug Identification Numbers (DIN) approving their sale as drugs. After centuries of experience, the most highly toxic plants have been eliminated from the herbalists stock-in-trade. Lily-of-the-valley, daffodil, deadly nightshade, jimsonweed and hemlock are among substances banned by Health and Welfare Canada for sale as foods or in food. But reports about the adverse effects of some herbal remedies are surfacing, ranging from minor to serious, from lethal poisonings to allergic reactions. Some of the adverse effects reported from herbs include those from: camomile tea (severe allergic shock), liquorice tonics (heart problems), comfrey (liver toxicity) and oleander tea (dizziness). In one recent case, a woman who mistook oleander for eucalyptus died after drinking the tea. In another an elderly couple died within 24 hours of overdosing on digitalis, mistaking poisonous foxgloves for comfrey. Plants containing pyrrolizidine (e.g., Golden senecio or ragwort) are of increasing concern owing to reports of liver disease from consuming this substance. especially for long periods. Gordolobos tea containing this ingredient - widely consumed in the Southern U.S. - is no longer considered safe. Harmful overdoses of herbal products are most likely when theyre made into strong herbal teas, steeped for 10-20 minutes or more. For examels. liquorice contains chemicals that, taken in large quantities, can cause sodium and water retention, high blood pressure and even cardiac arrest. In addition, herbal remedies can interact with OTC drugs. Some plants such as tonka beans, melilot and woodruff that increase bleeding should not be consumed by those regularly taking ASA (e.g., Aspirin). Several herbs - such as hellebore and hawthorn -can potentiate the effects of the heart medication, digoxin. Others such as bayberry, juniper and St. Johns wort are diuretics that should not be taken by those On prescribed diuretics. In the final analysis, shopping for herbal products is a matter of caveat emptor: buyer beware!
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Many call themselves “financial advisors,”–and their ranks seem to swell whenever we experience a long-term bull market. As you might expect, this creates an environment where inexperience and lessthan-ethical practices can thrive, which means that finding the right financial advisor becomes little more than a matter of chance. How does one avoid becoming a victim of chance? The financial industry is one of the most heavily regulated industries in the United States. There are many agencies and governing bodies responsible for regulatory oversight, chief among these being the Securities and Exchange Commission (SEC), an agency of the federal government, and the National Association of Securities Dealers (NASD), an industry self-regulatory body. Both of these agencies maintain databases of all persons and entities licensed to transact investment securities. The general public may request this information by mail or via the Internet. The telephone for NASD requests is 800/ 289-9999. The mailing address for the SEC is: Office of Public Reference 450 5th Street, NW, Room 1300 Washington, D.C. 20549-0102
Leading financial advisor helps successful individuals move away from being just wealth consumers or independent agents, delivering renewals in a hard market is tough. But how would you like to be a personal financial advisor today? Youd be fielding phone calls from clients right after they receive their shrunken 401(k) and IRA account statements. Or when they sit down to add up the college tab for their son or daughter. Of course, the advisor can try to persuade clients to take a long-term view of their investments. But after two and a half years of a severe bear market, many investors patience is wearing a little thin. Joseph Janiczek, chairman of Janiczek Company, Ltd., a Greenwood Village, Colorado, financial planning firm, believes the heart of investors difficulties has nothing to do with bear markets or any other kind of markets. The real problem, he believes, is that, “Many people have orchestrated their relationship with money in a way that is not in their favor.” He believes that poor habits relating to money management-often formed early in life-are to blame.
These are exciting times for investors-and for those helping them with their investment decisions. With record numbers of people investing in the stock market, financial analysts and personal financial advisors are busy. They are the money masters who provide investment analysis and guidance to businesses and individuals. Both financial analysts and advisors gather information, analyze investments, and make investment recommendations. However, their job duties differ because of the types of services they provide. This article describes the occupations of financial analyst and personal financial advisor, including what these workers do, what their employment outlook is, how much they earn, and how they train to enter these careers.
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Electric GuitarFor years, the acoustic guitar was limited to a supporting role in large musical ensembles because of its volume. Thus, the major motivation that drove the creation of the electric guitar was instrumentalists desire for greater volume. Predecessors of the modern electric guitar were amplified acoustic guitars crudely modified by inventors who attached wires, magnets, and other pickup attachments. (Pickups are electromagnetic devices that increase volume.) However, as technology started advancing in the 1930s, newer versions became more complex, and the electric guitar became a solo instrument, a development that helped expand musical styles.
Guitar Man
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Clarion is coming out this fall with the AutoPC, which uses a Microsoft Windows operating system. Sony also is working on a similar PC.AutoPC combines with information, such as e-mail and travel directions. Voice commands eliminate having take ones eyes off the road.The Good Guys, a San Francisco-based CE chain, may be the first mass mer chant to offer the AutoPC.
> WELL done, Auto Trader. The car-buying and selling magazine has launched the worlds first blocking system for unwanted calls from carselling agencies. Telesafe replaces an advertised phone number with a new number that automatically blocks black listed canvassers. Auto Trader say that too many of their punters have been scammed by companies charging as much as pounds 70 for absolutely nothing.
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Designed to compensate for signal losses, impedance matching Model ATR4251 enables clear AM/FM car-radio reception when used with windshield, roof, or bumper antennas. Automatic AM and FM gain control enable independent AM and FM adjustment to prevent overdriving of amplifiers under large-signal conditions. Buffer amplifier for AM covers frequency range from 150 kHz to 30 MHz, while FM low noise amplifier handles 70-166 MHz frequency range. HEILBRONN, Germany, June 12 /– Atmel(R) Corporation (NASDAQ:ATML) announced today the availability of the highly integrated AM/FM antenna amplifier IC ATR4251, which enables outstanding AM/FM car-radio reception when used with designer antennas, such as windshield, roof, or bumper antennas. The ATR4251s impedance matching amplifier helps to compensate for signal losses resulting from the smaller dimensions of modern antennas and the longer cables to the car radio.
TS16949 certified Models TAS5414 and TAS5424 4-channel Class D amplifiers deliver 90 percent power efficiency at normal radio listening levels, and overcome EMI through digital PWM topology, gate drive technology, and AM interference avoidance. Two TAS54×4 amplifiers can provide 8 channels of audio. Surface mount devices need only a thin heat sink to spread heat, and on-chip diagnostics simplify radio installation by testing speaker connections created on assembly line.
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Dental Implants Ordinary dentures, generally made of plastic, are custom-fitted to match and adhere to the upper or lower jaw or made to clamp on to remaining teeth with metal supports or bridges. But today there are dental implants, which add a method of attaching the denture with metal anchors directly and permanently to the jaw bone with no need to ever be removed by the wearer.
185097165X
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The phrase “home theater” used to be only a dream for most people, but the number of home theaters is growing. A theater-style setting would include speakers behind the viewers as well as in front, and a sound system sophisticated enough to provide separation from side to side and from front to rear. The intangible factor is the size and shape of the room; its easy to buy the wrong equipment for the setting. ONeil cites statistics showing that only about 7 percent of homes currently have home theaters, but that figure is expected to skyrocket to around 60 percent in the next few years. The Sony Showcase has nine different home theater displays set up in the store, at 4800 West Saginaw.
The phrase “home theater” used to be only a dream for most people, but the number of home theaters is growing. A theater-style setting would include speakers behind the viewers as well as in front, and a sound system sophisticated enough to provide separation from side to side and from front to rear. The intangible factor is the size and shape of the room; its easy to buy the wrong equipment for the setting. ONeil cites statistics showing that only about 7 percent of homes currently have home theaters, but that figure is expected to skyrocket to around 60 percent in the next few years. The Sony Showcase has nine different home theater displays set up in the store, at 4800 West Saginaw.
By comparison, even the biggest of big-screen TVs are peanuts. Trite. Insignificant. Small potatoes. Cheap n nasty. One joins the really big league in home movie set-ups when you have a complete theater in your home, costing anything from $30,000 to upwards of a million dollars. Reeses company, A Creative Theater, is at the moment midway to finishing a Marco Island project that will have an Australian theme, with walls upholstered in crocodile-type fabric, a multiple-seat arena and full stage with motorized drapery for complete theater effect.
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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.
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by Glasgow Imports Features: designed to protect plants and promote seed growth; drawstring makes it easy to open with one pull; compacts for storage; two available sizes; grow racks, greenhouses, market umbrella and offset umbrella also available Contact: Glasgow Imports, San Antonio (210) 829-0206
With this book, Christianson shows that the controversy over global warming has escaped its think-tank roots and become accessible to the general public.
INDUSTRIOUS MINDS Position: Co-owns Jacksons Greenhouse and Garden Center Inc., 1933 N.W. Lower Silver Lake Road, with his wife, Annette.
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Motor vehicle crashes (MVCs) are the leading cause of death for children 0 to 18 years of age. Indeed, 1,451 children age 14 and younger died in MVCs in the U.S. in 2005; about 203,000 were injured. In 2000, 10,306 children below the age of 18 were permanently disabled due to MVCs.2 The most tragic part about the widespread death and maiming of children in MVCs (one in which we as chiropractors should be vitally interested) is that almost half of these children were not restrained in any way.
The Office of the Inspector General of the Department of Health and Human Services (”OIG) developed a draft compliance plan for individual and small group physician practices to assist physicians who want to decrease the risk of fraudulent behavior in their practices.1 Under the Social Security Act, “physician” is defined to include chiropractors, doctors of medicine or osteopathy, doctors of dental surgery or dental medicine, podiatrists, or optometrists.2 The physician compliance plan joins the list of health care provider compliance plans already developed by the OIG, which includes:
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Whats old is new again. Remember that phrase when selecting hotel room furniture. Designers are taking their cue from the past when it comes to creating furniture for the present, according to executives at several casegoods manufacturers and suppliers. Words such as contemporary and modern come into play, but the slant is toward the future in a retro kind of way. Thats all well and good, but how does that cerebral thought process translate when applied to physical matter? Think about it for a minute, and images of rounded edges, metal accessories and clean lines come to mind, a sort of less-is-more simplicity. Now youve got the picture.
By its very nature the definition of contemporary furniture is elusive. The furniture of the times reflects the moods and tastes of the buyers. Currently the theme is eclectic — allowing for a combination of materials in a piece or a collection of styles within a room. The show, which took place at Chicagos Merchandise Mart last October, was open to both interior designers and end users. As a reflection of the moods and tastes of the times, contemporary furniture demands interaction between the designers who build it, the interior designers who specify it and the consumers who choose it, said David Drury, director of marketing, Chicago Design Show, Merchandise Mart Properties Inc. The first annual event drew more than 10,000 attendees including interior designers, retail buyers, specifiers and consumers from 46 states and 26 countries.
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> THE CCM Group of Companies has donated 50,000 sets of first aid kits worth RM1.1 million for Malaysian pilgrims on the Haj. Last year, the former donated RM950,000 worth of kits to Lembaga Tabung Haji. CCM Group Managing Director Dr Mohamed Hashim Tajudin, who presented the kits to Lembaga Tabung Haji Chairman Tan Sri Zainol Mahmood at a presentation ceremony, said, `We are pleased to contribute once again and help the pilgrims treat and manage simple ailments. The first aid kit comprises products manufactured by CCM Pharmaceuticals which include Uphamol 650, Eye Glo, Sloans, Lozenges, O-Fresh and Flavettes Vitamin C.
Fear of catching AIDS may make potential rescuers unwilling to assist an injured person. Yet it could be tragic if anxiety about infection deters people from giving first-aid or saving a life. The human immunodeficiency virus (HIV) responsible for AIDs and hepatitis B (HBV) viruses have been identified in the blood, breastmilk, sputum, tears and urine of infected people. Does this knowledge make first-aid risky business? The answer is no. No-one should hesitate to give first-aid for fear of getting AIDS. There is no recorded instance of any rescuer being infected with HIV through giving cardiopulmonary resuscitation (CPR), mouth-to-mouth ventilation or other first-aid assistance. Before worrying about the risks of contracting an infection, ask yourself whether you know how to recognize an emergency and what to do. Remember that you are most likely to need first-aid or CPR skills for someone you know, and often a loved one. Sudden cardiac arrest is a major killer. And more than 70 per cent of heart attacks happen at home, in the presence of a close relative or friend. Yet many heart attack victims who die before help arrives or en route to hospital could have been saved if relatives, friends or bystanders had recognized the symptoms and known what to do. One family or household member should learn CPR/first-aid in case of need. Dont let (unwarranted) concern about the risks in providing these skills stop you from learning how to save the life of someone you know, or of a stranger. Risk of AIDS infection minimal 10 casual first-aiders
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CAPE TOWN, South Africa — CAPE TOWN, South Africa, Jan. 14 /PRNewswire/ — Clickatell has released Mobimail, a compact Outlook and Outlook Express SMS plugin that is set to become the default SMS tool for PC users across the globe. Having developed SMS applications and integration tools for businesses and developers, mobile solutions provider Clickatell has refined Mobimail for users to send SMS messages from their favourite e-mail application. Clickatell Mobimail promises full integration into Outlooks calendar, offering reminders of meetings and SMS to almost all countries around the world, at a fraction of the cost of a standard SMS. Clickatells powerful SMS engine also allows users to send SMS messages to their Outlook contacts, and for those users with Outlook Express, the good news is that Mobimail is the first SMS plugin with full Outlook Express integration. Clickatell Mobimail is setting the pace in full convergence of popular e-mail client and text message technologies, and will be targeted at Microsoft Outlook and Outlook Express users. The developers of Clickatell Mobimail have also gone to great pains to ensure that installation is seamless, and that the application feels as much a part of Outlook as sending an e-mail, with message management and other popular functions all being controlled from within Outlook.
SMS@ctive Technologies Corp. is pleased to announce that it has developed a new SMS application, available to all SMS@ctive subscribers worldwide, SMS word of the day. The Companys subscribers can send the SMS word of the day from SMS@ctives website to any mobile devices worldwide, as well as request the SMS word of the day through their mobile devices. In addition, subscribers will be able to schedule their SMS word of the day to be sent to them everyday at specific time. This application will be the first of many other educational applications that SMS@ctive is planning to offer to its subscribers. Andre Thompson, VP of Operations at SMS@ctive commented, with todays youth intrigued by SMS technology our industry is presented with an excellent opportunity to educate while entertaining.
Cape Town, South Africa — Cape Town, South Africa, January 14 /PRNewswire/ — Clickatell has released Mobimail, a compact Outlook and Outlook Express SMS plugin that is set to become the default SMS tool for PC users across the globe. Having developed SMS applications and integration tools for businesses and developers, mobile solutions provider Clickatell has refined Mobimail for users to send SMS messages from their favourite e-mail application. Clickatell Mobimail is setting the pace in full convergence of popular e-mail client and text message technologies, and will be targeted at Microsoft Outlook and Outlook Express users. The developers of Clickatell Mobimail have also gone to great pains to ensure that installation is seamless, and that the application feels as much a part of Outlook as sending an e-mail, with message management and other popular functions all being controlled from within Outlook.
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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.
You can smile when you cant say a word.” Since kindergarten we have known there is magic in a smile. Even the plainest face is improved with a smile. The English poet Hartley Coleridge, writing about a woman who was “not fair”, said:
The CCADS live patient hands-on program involving 12 dentists on
scholarships was held over two weekends. The first weekend, “Prep Weekend,”
was April 4-5, 2008, and the second, “Seat Weekend,” was April 25-26, 2008.
The clinical portion of the course was held at the London Dental Studio on
Warwick Way, London. This practice/facility is owned by Dr. Balwant Vekaria
and Dr. Azhar Sheikh. The lecture portion was held at the Grosvenor Hotel.
According to Dr. Ken Harris of Sunderland, a Mentor Instructor with CCADS,
“The quality of the program was impressive. I believe that the dentists who
completed the program now have a different perspective on their practice.”
The California Center for Advanced Dental Studies (CCADS) is a non-profit
organization focused on changing the way postgraduate dental education is
offered to dentists. CCADS is led by Program Director, Dr. Thomas Dudney , and has mentors and instructors
currently conducting study clubs and clinical programs related to cosmetic dentistry across
North America and the UK.
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The company has released version 2.1 software for its 6e access control system. This version contains a list of customer-driven features and allows selective and time-controlled transmission of alarm information via e-mail and text messages to cell phones. It also offers a wide range of communication encryption options including Triple DES, AES 128 and 256, and RC 2. [ILLUSTRATION OMITTED]
The companys Access Integrator software and controllers are described in this two-page datasheet. Included are detailed descriptions of the features, advantages, and components of this LonWorks[TM]-based interoperable system. [ILLUSTRATION OMITTED]
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This coating is comprised of a decor paper, protective clear overlay and an additional underlay in certain cases. The proportion of corundum in the overlay determines the degree of surface wear resistance. Alternative products feature a surface made of finish foils with ESH lacquer or veneer with a lacquered surface on the good side.Typically, high-density fiberboard is used as the substrate, although MDF and particleboard are used by some manufacturers.
Snapped together, FreeStyles interlocking edges become invisible and can be walked on immediately. FreeStyle tiles contain an antimicrobial agent that resists bacteria, fungi, mold, and mildew formation, and moisture does not remain trapped beneath the tiles. Tiles can be easily removed and replaced if damaged without cutting, as well as moved and reused for a variety of temporary or seasonal applications. Patterns include slate-look Classic Stone, available in six colors, and wood-grain Natures Wood, available in Red Oak, Cherry, Maple, and Pear. Custom FreeStyle colors, patterns, and logos are also available.
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