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Special Report

Electronic payments save time, money, hassles

Suddenly, even though you vowed this never would happen again, the scramble is on. You find yourself running–for the checkbook, the stamps–only to discover you’re out of stamps (or worse yet, checks). And wait, the post office is now closed. ...

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Bond-rating game is more about performance than odds

“It is extremely important. In the financial world, there are few things more sacred than a bond rating. There are only 10 companies in the world that qualify for Aaa from Moody’s (Investors Service Inc.),” says Stephanie Webster, senior financial ...

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FSBOs market offers ripe opportunities for Realtors

The National Association of Realtors research department produces some outstanding publications for use by real estate professionals. One of the more recent ones is entitled “Targeting Prospective Homebuyers and Homesellers.” This report, which is based on extensive survey work with ...

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High-tech fabric shores
up the building trade

Perhaps the most exciting building material to appear on the scene of contemporary architecture in recent years is not some sophisticated plastic or ultrahigh-compression concrete material, but a type of cloth. However, to just use the term “cloth” for this ...

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Write-offs, zoning breaks prompt property donations

So he decides to give the building to a non-profit agency. Now, says Louis D’Amato, a local real estate attorney who cites this example, instead of owing tax on $9 million, the owner gets a tax deduction of $10 million ...

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In closing commercial deals, expect obstacles, a long wait

When he first started selling commercial real estate, Allan Moore went more than a year without earning a penny. Later in his career, Moore–a principal of Moore & Associates Inc. in Rochester–devoted 18 months to a single deal that finally ...

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Plan carefully when hiring that first employee

“Most small-businesspeople are underfinanced. To take on an additional person is a major decision which can tip the balance of the scale,” says Jerry Braiman, chairman of the U.S. Small Business Administration’s Service Corps of Retired Executives. Braiman believes that ...

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Read this when surfing with the SBA

One site on the World Wide Web provides answers to these and many other business owners’ questions. The U.S. Small Business Administration Web site provides information, software and assistance to start and run a small business. The site, located at ...

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Crafting a living from your art matches muse with money sense

When Richard Aerni embarked on a career as a full-time ceramics artist some 15 years ago, scraping together a decent living was hard. Part of it was that he was a new name. Connoisseurs in the United States tend to ...

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SONET standard opens new window on future

With the summer doldrums, I considered writing a “light” column with a lot of telecommunications humor. On the other hand, I don’t want to waste an opportunity to provide some substance. So I’ll do both. After all, it is July. ...

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Corporate sponsors

The following companies and organizations have contributed to RIT’s Esprit project: –Agfa AG –Applied Graphics Technologies Inc. –Bayer Group –Canon U.S.A. Inc. –Day International –Diamond Packaging –Dicomed Inc. –Eastman Kodak Co. –Fuji Photo Film Co. Ltd. –George Eastman House –Heidelberg ...

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RIT’s Esprit showcases digital photography

Such might be the themes of a series of arresting portfolio images developed as part of a Rochester Institute of Technology testing ground for cutting-edge visual technologies and ideas. Professor Douglas Rea and his award- winning team of 20 students ...

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Cybercharlatans go after gullible with online flimflams

The Internet: information superhighway and friendly computer-community? Or web of road hazards and deception? To date, you’ll find smatterings of both. What the future holds is under scrutiny by consumer watchdog groups. The sinister side of cyberspace is online scams, ...

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Web Connections

AT&T Corp.: http:// www.att.com Dockside Internet Services Inc.: http://www.dockside.net/ E-Znet Inc.: http:// www.eznet.net Frontier Corp.: http:// www.frontiercorp.com Greater Rochester Metro Chamber of Commerce Inc.: http:// www.rpa.net/chamber/ MCI Communications Corp.: http://www.mci.com ServiceTech Inc.: http:// www.servtech.com

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Telecom, Internet marriages
beef up battle for bucks

High-powered telecom firms are plugging into the Internet, a domain not long ago dominated by a few independent access providers. And while smaller, local firms hang tough for now, they face being drowned out by the deafening “One-Stop-Shopping” battle cry. ...

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