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Special Report

Protecting principal
Asset transfer proves unstable shield from savings spend-down

For even a hard-working, hard-saving person to roll through retirement with financial assets intact never has been an easy trick. Factor in the expenses of long-term care–along with the legal requirement to spend down assets to qualify for Medicaid–and it ...

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Monitoring agent
gets best value

Romolo Celli of Re/Max Wharton Associates says buyers and sellers should interview at least three agents on an employer-employee basis before entering into an agreement. “Don’t let fate choose your real estate agent for you,” Celli cautions. “Shop around and ...

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Some see new possibility
for alternatives to MLS

For two months, Michael and Jennifer Donoghue have had a for-sale-by-owner sign planted in front of their 877 S. Goodman St. home. So far, they have had a few lookers but no serious offers. If the Donoghues do not get ...

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Resources for Rochester-area small businesses

ADA Collaborative Rochester Center for Independent Living 758 South Ave. Rochester, N.Y. 14620 461-3250 Fax: 271-8558 Contact: Tim Weider The Business Exchange 215 Tremont St., Door No. 4 Rochester, N.Y. 14608 436-4377 Fax: 325-4864 Contact: Bonnie Flagg Canandaigua Chamber of ...

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Think of purchase or sale
as possible strategic tool

A number of corporations and private investment groups are constantly looking for strategic acquisitions to meet a variety of corporate objectives. These objectives can include: increased sales revenues, improved profitability, additional market share, new products and technological advancement. A recent ...

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Prep work helps companies
beat postal-rate increase

“There has been some increase in interest in automation since the first of the year. They are looking for a way to save a little,” says Carl Johnsen, mail piece design analyst at the U.S. Postal Service Business Center in ...

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City hopes stadium
scores for business

The hope is that a new stadium will boost attendance to Red Wings games and foster spin-off development of bars, shops and restaurants. But the experience of other cities that built new stadiums shows results can be mixed. Terrance Slaybaugh, ...

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Even great ideas need
a dose of market reality

Jane Plitt molded a shaky idea into a successful business. Her idea was to found a consulting firm that specialized in helping companies cut through government red tape. So in 1979, she left a job as an ombudsman for the ...

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Personnel pros say
be tough interviewer

Bobbie Kavanaugh-Reif, president of Med-Scribe Inc., has interviewed thousands of job seekers looking for positions in physicians’ and dentists’ offices, and in health care organizations. She stresses the importance of rigorous interviewing, testing and fact checking. “It’s very time-consuming to ...

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Consultants shun pay-for-performance contracts

A business is in trouble. It needs to revamp this and restructure that, but cannot do it by itself. Only an outside expert’s practiced eye can diagnose the problems, develop a customized strategy and help implement it. The dilemma? The ...

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Open-book approach
requires keen ear

Look at Xerox Corp. Twenty years after the company started spilling its financial guts to employees, profits roll, workers run their own teams on the plant floor, and management and labor leaders glow with good will for one another. But ...

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To remain competitive,
Japan needs new leaders

Japan’s competitiveness: Under these economic conditions, how do we assess Japan’s competitiveness in the 1990s and in the 21st century? Will Japan grow more competitive or less competitive? There is of course the stereotypical and emotional perspective of some Beltway ...

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Translating public programs
into lucrative export leverage

Five years later, Ameritherm stands as a case study in how to build an export business by leveraging resources from local, state and federal agencies. By 1994, exports had exploded to 33 percent of total sales; the firm now tallies ...

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Programs offer grants,
information to exporters

Equally impressive is the fact that 62 percent of these exports came from medium and small size businesses. Because of the General Agreement on Tariffs and Trade, many predict that the $12 billion will double by the year 2010. That ...

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