First many disabled people are on fixed incomes so the appeal of getting rich quick may have some appeal. Second scammers assume that just because someone has a disability that they are an easy touch for them. Not assuming anything about gullibility. Please take this as a warning only. If you are skeptical already, great.

More power to you There are many scams on the net. In essence, if it sound too good to be true, it almost always is One warning sign is if you have to pay money to get in, its a ripoff. Also if there's a time pressure or any other type of pressure that should be a sign to warn you too. There is one particular scam that claims if you are willing to fly to Uganda and meet the wife of the former leader of Togo, you will get millions of dollars. This is an actual scam.

For more information please go to home.rica.net/alphae/419.coal Many people have lost their live savings with this scam and even gotten in trouble with the law. They are stranded in Togo with no help from the Togolese govt. or their native country Believe it or not, to coin a phrase, many people, too numerous to count have actually fallen for this foolish scheme. The illicit plan has been around for close to twenty years !!! I know about this one because I received several of their emails. I can honestly say I did not fly to Togo and I was not a victim.

I don't want you to be one either. Note: I am not condemning the Togolese people, Nigerians and all other African People, African Americans or People of Color anywhere in the world. Here is an actual email that I believe is part of this terrible scam. I must assure you I did not answer this email. Telephone: 228084460 Dear Sir, I am Akunor Rawlings, a cousin of the former president of the Federal Republic of Ghana, Jerry Rawlings, and I also held an appointment during his 10yrs in office as the General Manager in charge of Ministry of Solid Mineral such as Gold, Diamond, Bauxites etc.

During this 10yrs tenure, I managed to secure a large quantity of Gold and Diamond secretly before he handed over power to his successor Mr. John Kuffour. When he took over power, information got to me that the new president is aware of this large deposit of Gold and Diamond that is in my possession, and because of this, I have to look for a way to dispose it. To this end, I contacted a friend of mine in a neighboring Country Federal Republic of Togo, who helped me to sell the Gold and Diamond for a total of $18.5Million (Eighteen Million, Five Hundred United States Dollars), which is now deposited in a security company in Lome, Togo. Because of my relationship as the cousin of the former president of the Federal Republic of Ghana, Jerry Rawlings, my Togolese friend suggested that we should move this entire fund Overseas to avoid being traced by the present Ghanaian president.

However, I am now asking you to be my partner in this transaction. Therefore, if you are interested, kindly contact me through my e-mail address or call me on my telephone number in Togo: 228084460 so that we can discuss on the modalities for a smooth transfer of the entire fund into your nominated bank account Overseas. For your participation, I will offer you 15% of the entire fund but which is subject to negotiation. Meanwhile, I am looking forward to hearing from you so as to plan on the next line of action to execute this mutual beneficial transaction. Yours sincerely, Akunor Rawlings..

Medicare generally does not cover preventive care services, private duty nursing, hospital room telephone or television, private hospital rooms, dental services, eyeglasses, chiropractic services, care outside of the U.S., acupuncture, hearing aids, long term or custodial care in nursing homes or most prescription drugs.To qualify for Medicare, a person must meet at least one of the following:(1)Be age 65 and eligible for Social Security or railroad retirement benefits,(2)Have been receiving Social Security disability income for at least 24 months, or(3)Have end stage renal (kidney) disease.If one continues to work after age 65 or decides not to enroll for Social Security benefits at age 65, he/she may still receive Medicare benefits. Permanent legal aliens also qualify for Medicare when they have lived in the U.S. for at least five years or more continuously prior to eligibility date. They may also qualify when they are not eligible for Social Security benefits or railroad retirement benefits, but they usually will have to pay the premiums for Medicare Part A.If one qualifies for Social Security or railroad retirement benefits, his or her Medicare enrollment is automatic. If one is not age 65, he/she may apply with the local Social Security office during the 7 month period that starts 3 months before their 65th birthday.

When applying 3 months before turning 65, the Medicare coverage begins in the birthday month. When applying in the birthday month or during the 3 months following, coverage will be delayed for up to 3 more months. Enrollment may also be done between January 1 and March 31 of any year once becoming eligible, but there may be a penalty for late enrollment and an effective date of July 1.If one has coverage with a group or business health plan, he/she may enroll any time while still working and if the employer has more than 20 employees. If one cancels group coverage while still working or retires, he/she is given a special 8 month enrollment period beginning when the group coverage ends. Be aware that when applying for a Medicare Supplement policy 6 months after Medicare Part B coverage is effective or after open enrollment ends, health questions would have to be answered on the application.

Also, when one is covered with a group health plan and Medicare, as long as the employer has 20 or more employees one has the option of making the group health coverage primary and Medicare secondary. If one is automatically eligible for Medicare Part A then there is no premium to pay. A premium is required for Medicare Part B. If one does not enroll in Medicare Part B when initially eligible, then there is a 10% premium penalty for each year of delayed enrollment.Medicare options include original Medicare which comes direct from the Federal government, and Medicare PPO (preferred provider organization), Medicare PFFS (private fee-for-service plan), Medicare MSA (medical savings account plan), and Medicare HMO (health maintenance organization) or Medicare PSO (provider-sponsored organization) which are offered by private health plans. There are also special Medicare programs for people with low incomes of $4000 per individual or $6000 per couple not including a house or car.

These programs are: QMB, SLMB, Q1-1, Q1-2, or Medicaid.Over 80% of those eligible for Medicare select original Medicare. It is available everywhere in the U.S. and one is enrolled in it automatically when becoming eligible for Medicare. Just about any doctor or hospital may be used with original Medicare, and it pays providers and doctors directly for the services one receives. To fill in any gaps in the original Medicare coverage, a Medicare Supplement insurance plan may be purchased.For more information, please contact Social Security at 1-800-722-1213 or log onto www.medicare.gov..

The Almanac has complete lists of every no-hitter and four-homer game, run-downs of elite circles like the 500-Home Run Club, and much, much more.????Baseball Almanac truly has something for everybody. Beginners can get started in Stats 101; history buffs can brush up on presidential trivia; movie lovers can read reviews of must-see baseball films; and those looking to be entertained have hundreds of baseball puzzles, jokes and transcripts at their fingertips. If you're currently following the Congressional hearings, then you won't want to miss the hilarious transcript of the inimitable Casey Stengel as he testified in front of a Senate subcommittee during a 1958 anti-trust hearing.Baseball Almanac is a veritable baseball encyclopedia, and best of all, it's free! Whether you're researching baseball history, reading for pleasure, or looking for a laugh, baseball-almanac.com has it all for Opening Day and every other day of the year..

For a small fee, you can join my lawsuit. Surely, you know about Zaps CrawTaters, Jalapeno Chips and Dill Pickle Chips--if not, run to the store and load up. You can thank me later. But, back to my suit. Between long hours at work and longer lines at the mall, I've treated myself too many times lately.

I mean, I deserved to ride home with a diet coke and some Zaps CrawTaters. The good news is that I looked, and there's not a warning on the Zaps bag anywhere--not even a hint that consuming large quantities would make it hard to button my jeans. Seriously, I think they put something addictive in there! I'm trying to get a court order to look through their records. They should pay, don't you think? ~smile~ Pass the CrawTaters...I need a fix. Hugs,Shellie.

It is impossible for a person or family to have a strong relationship while having this problem exists in their home.As much good as we may have done, we have also experienced many challenges as a new company. We have learned a great deal over this last year about how to improve our product and how to offer MAX Internet protection to others. We have since learned how to simplify the MAX business opportunity for those that want to join with us in sharing the MAX message.MAX has made dramatic changes and improvements to every aspect of our business. We now can not only say that MAX has the best filtering product on the market it works seamlessly with about every operating system out there, we are proud to offer the best way to deliver MAX's new software product in a box, MAXprotect.The MAX opportunity has never been simpler to understand and more rewarding than it is now with the MAX FastTrax system. (1)MAXProtect is MAX 3.0 marketing and a software box.(2) The suggested retail MAX protection is $79.90 plus tax and shipping/handling) which is a 65% reduction comparing to the yearly price of purchase the" Filter-only" all a monthly basis and $14.90.

Additional based upon competitive research it would take 3 separate retail filter products at about $150 to match the protection and features of MAXprotect.(3) MAX dial-up will be available as an optional service at $9.90 per month, which combined is the about 30% of the yearly price of purchase that MAX ISP option on a monthly basis at $23.90 a Max dial-up includes 10 e-mail accounts, reported e-mail is available only with MAX dial-up.Shipping and handling:One or two MAX protect box shipping and handling -$7.95 fastTrax Kit w/$249 Partner Kit and handling-$28.95 MAX protect 10+2 Kit shipping and handling-$14.95.

cities. The company has formed a financial relationship with LaSalle Bank, Chicago. Eastwood-Stein, which is able to provide law firm clients and other clients with court reporters assigned for the duration of a case, routinely sends reporters on out-of-town assignments. The policy mirrors the preferences of lawyers, who wish to control the number of professional reporters familiar with confidential case details and wish to avoid a loss of case knowledge when a new reporter must become familiar with technical details. ''As Eastwood-Stein, we continue to have the multi-office, national presence that gives a client the option of consistent, dedicated attention from a reporter who very quickly becomes a case specialist,'' Eastwood said.

''For other matters, the client can draw on a team of reporters present in the various markets.'' The firm's court reporting and deposition services extend to video services, video tele-conferencing, provision of real-time text as testimony is taken, and provision of rough text review disks immediately after a deposition or trial so that lawyers have the ability to use material while preparing the next matter of a case. In addition to law firms and corporate legal departments, clients of Eastwood-Stein include university students whose impaired hearing makes normal note-taking difficult. Through affiliate agencies, Eastwood-Stein provides clients with one-call, one-invoice access to additional services such as printing and copying, document retrieval, translation and interpretation, transcription services, and video trial presentations. ''Fortunately, the experienced associates who have joined Eastwood-Stein share the feeling Steve and I have about the provision of services,'' Eastwood said. ''We can give our clients service anywhere in the world and, at the same time, we can give them the benefit of dealing with people in their own market.'' Eastwood-Stein's corporate office is located at 11 South LaSalle Street, Suite 900, Chicago, IL 60603, tel.

800-343-0733..

The Plaintiff's complaint alleges that since the non-profit organization started renovations on the property in May, 2004, staff members and clients of Next Step Foundation have been subject to continual harassment by township residents and officials.Stowe Township officials have issued no fewer than 21 citations on the property since the zoning hearing on August 4th, from which Next Step Foundation is seeking injunctive relief. Officials have sought to evict residents of Next Step Foundation at another facility that it rents for recovering men at 719 Broadway Avenue. Next Step Foundation is citing discrimination under the Fair Housing Act, the American with Disabilities Act, the Equal Protection Clause of the Fourteenth Amendment as well as a 1995 landmark decision by the United States Supreme Court, City of Edmonds v. Oxford House, Inc., 799 F. Supp.

450 (D.N.J. 1992). That decision ruled that zoning ordinances restricting the number of unrelated persons in a residential dwelling are subject to the Fair Housing Act's prohibition against discrimination.David Francis, one of the founders of Next Step Foundation states: "All we've ever wanted was to establish safe and secure houses for people who are trying to turn their lives around by combating the disease of drug and alcohol addiction. Our residents have jobs, pay taxes and lead clean lives."Additional inquiries should be directed to Next Step Foundation, Inc's counsel, Papernick & Gefsky c/o Matthew D. Racunas, Esq.

412-373-2212.For More Information Contact:DAVID FRANCIS412-628-4496MATTHEW D. RACUNAS, ESQ.412-373-2212.

When the rider says "whoa" then the horse should know to stop.But the problem is this. Often the word "whoa" is said when the rider wants the horse to slow down...not stop. Before you know it, the rider has conditioned the horse to slow down at the word "whoa" instead of stopping. Then the rider can't understand why the "stupid" horse won't stop when he says "whoa!".Telling your horse a command when you mean for it to do something else is lying to your horse. You never lie to your horse because the results you get will not be what you want.

Jesse Beery, a famous horse trainer from the 1800's, knew this well and was the first to say "don't lie to your horse".Thus, when you say "whoa" to your horse, you must only say it because you want to stop...not slow down.Also, when using voice commands be sure to use simple words with as few syllables as possible.Thus, if you want a horse to back up then say "back". If you want him to walk then say "walk". If you want him to trot then say "trot".Next, when using voice commands be sure to associate an action with the command. For instance, let's say you're teaching your horse to gallop at the command "gallop". So while in the round pen you use one of your aids to teach him to gallop.

So first you say "gallop" then bring in the aid to motivate his movement to a higher speed.If you want to teach your horse to walk then start your horse around the pen in the opposite direction from which you taught him to gallop. When he's gone around several times, stop him, and pet him. If he goes too fast use the word "walk" and have him go slower by making a slight move to the front of him. Lastly, I'm a big advocate of being careful how you talk to your horse.If you use commands that sound threatening (by yelling a command), you can actually increase your horse's heart rate, frighten and confuse him, and he may take longer to learn. For instance, a popular command to teach a horse is the word "step".

When driving a horse, using this command means for the horse to move forward...take a step. When teaching it, be careful not to yell the command because it may be perceived by the horse as a punishment.But if you calmly say "step" you will get better results than if you yell it. Often times, when a horse isn't "getting what you want", there's a tendency to get frustrated and thus, mad - and your voice volume can escalate. Then you're back to sounding threatening and perhaps your horse will take even longer to understand what you want.I've seen where horses were being taught to drive where the owner taught the word "step". When teaching it, he would loudly say "STEP!".

It wasn't long before the horse was actually balking. Then the owner was getting frustrated and kept repeating his command even louder...as if the horse couldn't hear him. It reminds me of a show I once saw on television. One english speaking man was talking with a spanish speaking man. The spanish speaking man knew no english.

The english speaking man was trying to communicate with the spanish speaking man. After a minute of obvious noncommunication, the english speaking man spoke slower and louder. Unfortuantely, the spanish speaking man didn't understand english whether or not it was spoke loud, soft, fast, or slow.In summary, use short words. Use the word when you want a certain action - only say the word when you want that particular action. If you want your horse to slow down then say something like "easy".

(Don't say "slow" because he may take it for "whoa".)Next, associate actions with commands and calmly talk to your horse. Horses can hear very well and yelling command will not make the command any more clear - if anything, it will frighten and confuse him.? 2004 Andy Curry.

This combination built a comprehensive patent portfolio for CCR5 which enables Euroscreen to offer the rights to companies who are developing therapeutic drugs as well as antibodies that modulate the CCR5 receptor.Commenting on the announcement, Dr Pierre Nokin, Euroscreen President and CEO said: "In 2004 we have both strengthened and extended our portfolio with regards to CCR5, a popular target included in the pipeline of several big pharma and biotech companies for its crucial role as HIV co-receptor. Together with ICOS, our combined portfolio covers both the relevant aspect of the CCR5 technology and the major areas in which innovative research is done. This first European patent award is a significant milestone in the development of Euroscreen, as it represents and justifies many years of outstanding work performed by Prof. Marc Parmentier (CSO of Euroscreen) and his scientific team."The CCR5 receptor and its role in various diseases The CCR5 receptor belongs to a family of cell membrane proteins called G protein-coupled receptors (GPCRs). Specifically, CCR5 is found on the surface of T cells (white blood cells), which form part of the human immune system.

The protein consists of 352 amino acids and spans the T-cell membrane seven times. Under normal circumstances, CCR5 binds certain proteins known as chemokines, which act as chemical attractants recruiting immune cells to sites of inflammation. CCR5 is considered as a drug target in the field of HIV, but also in a growing number of inflammatory diseases. The potential of CCR5 as a key target for several therapies is very promising due to the significant safety profile already seen for both small molecule and antibody drug candidates presently in human clinical trials for HIV from a number of companies and will soon also enter clinical trials for the treatment of other disorders such as Graft rejection, multiple sclerosis or rheumatoid arthritis.For further information, please contact:Euroscreen s.a.???Tel: +32 71 348 500??????email: e-mail protected from spam botsPierre Nokin, Ph.D.President and CEO Vincent Lannoy, Ph.D.Intellectual Property ManagerAbout Euroscreen SAEuroscreen is a world leader in G-protein coupled receptors (GPCRs). The Company integrates its research expertise in this area with its patented high-throughput AequoScreen? cellular assay platform to patent new GPCR targets and drug candidates.The Company is building its own patent portfolio of GPCR targets and novel drug leads for licensing to biopharmaceutical companies, and to date has agreements with, CyBio, EvotecOAI, Galapagos Genomics, GE Healthcare, ICOS, Merck & Co, Pfizer Inc, Solvay, Syngenta and UCB.

Euroscreen has also established collaborations with numerous academic centers for access to licenses to help in making available its broad menu of GPCR-based products (recombinant cell lines and membrane preparations) and services (custom screening and cloning). Euroscreen has grown significant and strong patent positions to protect many key drug targets for licensing. Such patents include CCR5, GnRH-R strongly involved in hormonal diseases and prostate cancer, GPR7/8 involved in metabolic defects and adult-onset obesity, purinergic receptors (P2Y4, P2Y11 and P2Y13) and the non-GPCR SHIP2 for type II diabetes. Euroscreen is able to offer rights to companies which are developing therapeutic drugs that act through the above-mentioned key targets mode of action. For more information regarding the Euroscreen's portfolio, please contact Dr.

Vincent Lannoy.Euroscreen is a privately held company based in Brussels, Belgium with 80 employees of which 50 are in R&D.More information can be found at www.euroscreen.be.

However, it may take you awhile to collect your money and you may have to settle for less than the originally billed amount. You have the option of adding late fees to your invoices, but keep in mind, the more time you spend trying to collect a past due invoice, the less time you have to devote to paying customers. Also, if you need to engage an attorney or collection agency, you will in all likelihood, not see the full amount of your invoice because of their fees.One way in which you can protect yourself is to build into your fees an allowance for bad or uncollectable debts. If you estimate that 5% of your invoices will be either unpaid or underpaid, then add 5% to your hourly rate. For example, your hypothetical fee is now $77 per hour, 5% of that is $3.50, added together gives you a rate of $80.50 per hour.

If we round this off to $80, you would have approximately $3300 per year cushion.Allowing 5% for bad debts may seem high, however, keep in mind the present state of the economy and remember this figure can be adjusted as the economic conditions change. Today, it is not unusual for businesses to take longer to pay invoices then they did a couple of years ago. Most businesses expect to pay late fees for overdue invoices, however determining how much to charge and whether or not you are meeting the various legalities involved can be time consuming. It may be easier to add a percentage to your overall fees to offset bad debt. In a sense, you are spreading the economic risk over all your clients.

For a small business this may be the safest and less time consuming course of action.If your client base is large enough, a certain percentage of your customers will go out of business, leaving you with unpaid and uncollectable invoices. There is little chance you will collect any money in a bankruptcy hearing. To protect yourself, you can charge partial fees as your work progresses. This way you are assured of having received at least some of your money. Not all businesses are set up to take advantage of this option.Remember, you are not in business to give away your services.

Your goal is to provide yourself and/or your family with a reasonable income. Uncollected invoices are part of doing business, you owe it to yourself to consider this before you get stuck. Copyright 2000, DeFiore Enterprises..