CSR http://www.wisebread.com/taxonomy/term/939/all en-US The Fundamentals of Socially Responsible Business http://www.wisebread.com/small-business/the-fundamentals-of-socially-responsible-business <div class="field field-type-link field-field-url"> <div class="field-label">Link:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <a href="http://www.openforum.com/articles/the-fundamentals-of-socially-responsible-business" target="_blank">http://www.openforum.com/articles/the-fundamentals-of-socially-responsible-busin...</a> </div> </div> </div> <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/small-business/the-fundamentals-of-socially-responsible-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000018038119Small.jpg" alt="Businessperson holding a plant" title="Businessperson holding a plant" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p><i>Sustainability</i> is a hot button topic today. Even venture capital firms are betting on corporate social responsibility (CSR), as the broader topic is called. People are building on, and buying into, the premise that businesses are part of society and have a responsibility to create a better future.</p> <p>If you&rsquo;re starting a new business and intend to base it on a socially responsible model, it will pay you (literally) to fully understand the concept. You should also know, though, that some people don&rsquo;t like the idea. Keep reading, and we&rsquo;ll help you understand both sides of the story and offer five tips for starting a socially responsible business.</p> <p><b>What Is Corporate Social Responsibility and Sustainability?</b></p> <p>In <a href="http://www.wbcsd.org/web/publications/csr2000.pdf" target="_blank"><i>Corporate Social Responsibility: Making Good Business Sense</i></a>, the World Business Council for Sustainable Development defines the strategy as, &ldquo;&hellip;the continuing commitment by business to behave ethically and contribute to economic development while improving the quality of life of the workforce and their families as well as the local community and society at large.&rdquo;</p> <p>One of the key themes of social responsibility is support for practices that meet the needs of the present without jeopardizing the future&mdash;sustainability. A business strategy based on sustainability is designed to balance profit, people, and planet (economic, social, and environmental) demands to create a desirable &ldquo;<a href="http://www.economist.com/node/14301663" target="_blank">triple bottom line</a>.&rdquo;</p> <p>But general agreement on what sustainability really means doesn&rsquo;t exist yet. Indeed, <a href="http://www.zerogrowth.org/sustaindev.html" target="_blank">some environmentalists consider sustainability an oxymoron</a> because, to them, sustainability and development are contradictory.</p> <p><b>The Argument in Favor of CSRs</b></p> <p>&ldquo;Doing good&rdquo; seems desirable, in principal, but is it a worthwhile business model? Although linking profits to abstract variables is tough, <a href="http://journalistsresource.org/studies/economics/corporations/corporate-social-responsibility-and-financial-performance/" target="_blank">a meta-analysis of 52 studies</a> concluded, &ldquo;...corporate virtue in the form of social responsibility and, to a lesser extent, environmental responsibility is rewarding in more ways than one.&rdquo;</p> <p>Market forces, researchers found, don&rsquo;t penalize companies that are high in corporate social performance, and the strategy <a href="http://www.openforum.com/articles/using-green-practices-to-market-your-business" target="_blank">can have a distinct positive impact</a> on market analysts, public interest groups, or the media. In other words, CSR does find its way to both the triple bottom line and the traditional bottom line.</p> <p><b>The Argument Against</b></p> <p>Using corporate resources for social purposes is a irresponsible waste of shareholder profits, some experts claim. Indeed, at least one critic thinks CSR is nothing more than socialism with a modern name.</p> <p>Nobel Prize winning economist Milton Friedman was a vocal opponent of CSR. In a <a href="http://www.colorado.edu/studentgroups/libertarians/issues/friedman-soc-resp-business.html" target="_blank">New York Times</a> article he wrote:</p> <p>&ldquo;<i>...businessmen believe that they are defending free enterprise when they declaim that business is not concerned &quot;merely&quot; with profit but also with promoting desirable &quot;social&quot; ends; that business has a &quot;social conscience&quot; and takes seriously its responsibilities for providing employment, eliminating discrimination, avoiding pollution and whatever else may be the catchwords of the contemporary crop of re&shy;formers. In fact they are</i>&mdash;<i>or would be if they or anyone else took them seriously</i>&mdash;<i>preaching pure and unadulterated socialism.&rdquo;</i></p> <p>Other critics suggest that even when companies make donations to charity, they&rsquo;re really just giving away shareholders&rsquo; money. Still others claim that CSR helps companies avoid regulations, inappropriately gain legitimacy, and wheedle their way into markets and the minds of decision makers. Some cynics even suggest that CSR lets businesses create bad solutions to social and environmental problems and then shift the blame to consumers&mdash;it&rsquo;s easier to spin than to change.</p> <p><b>How Do You Start CSR Business?</b></p> <p>If you&rsquo;ve found the argument in favor convincing, you don&rsquo;t have to have a business idea based on green energy or saving an endangered species to start a CSR. Do what you do best and keep the environment, work-life fit, poverty, healthcare, equality and other issues in the forefront. Be honest and transparent.</p> <ol> <li><b>Decide on what you&rsquo;re going to do</b>. Take a hint from 3M. They started making &ldquo;cool roofing granules&rdquo; which are four times more reflective than conventional roofing material so their product reduces heat absorption and, as a result, cooling costs.</li> <li><b>Educate yourself</b>. You don't have to have a college degree, but you do need to understand who your customers, competitors, and suppliers are. Talk to people who do what you want to do. Even consider working for them to learn the ropes. Join industry associations, and learn everything you can from them.</li> <li><b>Create a business and marketing plan. </b>Most entrepreneurs can describe their product in great detail, but don&rsquo;t have a clue who they&rsquo;re going to sell to, or how. Think through a marketing strategy that defines your target consumer and how you&rsquo;re going to reach them. <a href="http://www.entrepreneur.com/article/217768" target="_blank">The important part of your plan is the thinking, not the document</a>.</li> <li><b>Find money</b>. Your best bet is savings, friends and family, bank loans, &ldquo;angel investors,&rdquo; and formal venture capital sources&mdash;in that order. You might even find a <a href="http://www.grants.gov/" target="_blank">grant</a>. <a href="http://findingmoneyadvice.com/" target="_blank">Finding Money Advice</a>, a website I helped create, has the essentials.</li> <li><b>Execute</b>. Businesses usually fold because owners and managers fail to execute. Great ideas are a dime a dozen, but success is the result of making them happen.</li> </ol> <p><b>CSR Business Plan Considerations</b></p> <p>It&rsquo;s difficult to differentiate yourself merely with CSR. The barrier to entry is low; anyone can claim social responsibility.</p> <ul> <li>Your CSR efforts have to be aligned with your business or you will be seen as insincere.</li> <li>Consistency is crucial. Don&rsquo;t send mixed messages. Most of all, practice what you preach. You can&rsquo;t claim environmental friendliness, for example, and pollute at the same time.</li> <li>Make sure your CSR strategy is feasible. Walmart, with low prices and narrow margins, didn&rsquo;t lobby for higher minimum wages out of social responsibility; it was a competitive strategy to make it harder on the Mom &amp; Pop stores they compete against. Instead, they promote their efforts to &ldquo;go green&rdquo; by cutting energy costs and pressuring suppliers to be more fuel efficient. Some would say both seem predatory. You don&rsquo;t want to go there.</li> </ul> <p>Finally, follow the <a href="http://www.williamjamesfoundation.org/" target="_blank">William James Foundation</a> socially responsible business plan competition. They work with entrepreneurs at the idea and early venture stage to build social and environmental goals into their business. As they put it, &ldquo;there is no business to be done on a dead planet&hellip; By encouraging entrepreneurs who can both create their own success and show others financially viable paths to a more sustainable world, the William James Foundation is creating opportunities around the world for individuals to support for themselves, their loved ones, their community, and their planet at the same time.&rdquo;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tom-harnish">Tom Harnish</a> of <a href="http://www.wisebread.com/small-business/the-fundamentals-of-socially-responsible-business">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/250-tips-for-small-business-owners">250+ Tips for Small Business Owners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review">Unlimited Cash Rewards for Your Business: Capital One Spark Cash for Business Credit Card Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-helpful-tools-to-manage-your-small-business">6 Helpful Tools to Manage Your Small Business</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-protect-your-business-during-a-divorce">5 Ways to Protect Your Business During a Divorce</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Small Business Resource Center corporate social responsibility CSR small business sustainability sustainable business Thu, 29 Dec 2011 18:51:37 +0000 Tom Harnish 844415 at http://www.wisebread.com How to Get a Lower APR, or Possibly Not http://www.wisebread.com/i-dont-love-capital-one-how-to-get-a-lower-apr-or-possibly-not <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/i-dont-love-capital-one-how-to-get-a-lower-apr-or-possibly-not" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000046276224.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I don't have the best credit history. A few years ago, when I was unemployed for a few months, I had to consolidate a few credit cards. Also, I totally went crazy back in college and rang up some terrible balances paying for <a href="http://www.wisebread.com/can-i-conquer-my-vanity-for-the-sake-of-my-sanity">other people's stuff</a>. Despite this, I always paid off the high balances, and because I've been so responsible since, and because I make a decent income, I have a good credit score, much better than the American average.</p> <p>Despite this, I still pay roughly 17% APR on one of my credit cards.</p> <p>So last Friday, when I heard NPR's Morning Edition giving totally unoriginal advice about how to lower your credit card costs, I thought, <em>I should try that</em>.</p> <p>If you don't feel like listening to the broadcast, I'll give you the gist: <em>Paying a high APR? Why not call the company and ask them to lower your interest rate? They'll probably do it. If they don't, threaten to transfer your balance to another card! Or talk to the manager!</em></p> <p>Lots of people seem to think that you can <a href="http://www.wisebread.com/lower-credit-card-rates-just-ask">get out of debt with mere words</a>. I've actually tried this method before, and they called my bluff.</p> <p>&quot;I'll transer my balance!&quot;, I shrieked to the customer service rep 2 years ago. When I applied for another card, I got rejected. Mind you, I wasn't making much money at the time, but still, maybe the bank has a little note on my file that says &quot;Ignore requests for lower interest rate - she can't get one. Bwahahahaha!&quot;.</p> <p>But, I reasoned, I make good money <em>now</em>. I have a <strong>mortgage</strong>. They will have to respect me. Just to be on the safe side, I applied for a credit card with 0% APR on balance transfers for the first 12 months, and 7.9% thereafter. I only have a couple thousand to pay off, but still, the APR makes a difference to me. And besides, I'd never missed a payment, never been late, and long ago stopped adding to my credit debt. So, they'd be sure to oblige this time, right?</p> <p>Nope. I was informed that &quot;There isn't another interest rate that we can apply to your card&quot; as though 1 and 7 were the only numbers on her keypad, and bygummit, they could only be entered in that exact order. I asked to speak to a manager, and an equally unmovable person got on the line to inform me that there was no way in which my rate could be lowered.</p> <p>&quot;I'll transfer my balance!&quot;, I shrieked, experiencing a keen sense of deja vu. The rep was unconcerned.</p> <p>Sadly, it seems like I'm not alone in my rejection.</p> <p class="blockquote">Negotiating Power Back in 2003, a study by the U.S. Public Interest Research Group, a Washington, D.C., a consumer advocacy group, found that 56% of the consumers who called their credit-card companies to ask for a lower interest rate were able to get it within five minutes. <em><strong>That may not be as easy today</strong></em>, says US PIRG consumer program director Ed Mierzwinski. &quot;They are being much more difficult because they're trying even harder to squeeze the last dollar out of your pocket,&quot; he says. &quot;But if you're a good customer you should understand they don't want to lose you because the cost of acquiring new customers is very high.&quot;</p> <p>I did apply for a new credit card, and was accepted, but then I read this:</p> <p class="blockquote">But be wary of balance transfer fees, which lately have also been on the rise.... While most fees used to be 3% of the transferred balance, up to a cap of $50 to $75, many card issuers have eliminated the cap. So on a $10,000 transfer, you'd be hit with a $300 charge.</p> <p>Also:</p> <p class="blockquote">What's particularly troubling... is that most consumers probably won't realize there's no maximum fee because it's completely absent in the fine print. Up to now, the balance-transfer fee listed in the terms and conditions usually notes a maximum, but in some of the latest offers, there's absolutely no mention of any maximum. And that could mean you may have to pay the entire 3 percent charge. Best advice: Call and ask about all balance-transfer fees, including maximums, before accepting any new card offer.</p> <p>This is important to note: when I applied for my credit card online, there was no immediate or obvious information about transfer fees. What was written was this:</p> <p class="blockquote">We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which Fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.</p> <p>Is it just me, or is that wording not exactly straight-forward?</p> <p>Now, I could just pay off the credit card (this may seem logical to people whose brains are not addled by consumer greed and shoe lust). I determined that by paying my minimum payment every month it will take me 43 months to pay off a debt of $2500. If I pay $400 a month (tough, but doable), it will take me 7 months.</p> <p>But even in that case, the bank still gets $300 in interest from me.</p> <p>Anyway, when I called and spoke to my new credit card company this morning, it turns out that my transfer fee for balances would amount to roughly $75. Which is much better than $300. I could then take my sweet time (11 months at $250 a month) to pay off the card, which would be easier to swing than $400 a month.</p> <p>So take THAT! I'm taking $300 out of your coffers and giving $75 to another company! Yes!</p> <p>It is a bitter victory indeed.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/i-dont-love-capital-one-how-to-get-a-lower-apr-or-possibly-not">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-dirty-secrets-of-credit-cards">The Dirty Secrets of Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-interest-rates-are-about-to-go-up">Your Interest Rates Are About to Go Up</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards">The Best Low Interest Rate Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-fastest-method-to-eliminate-credit-card-debt">The Fastest Method to Eliminate Credit Card Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-tricks-to-save-money-with-credit-cards">10 Tricks to Save Money with Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Debt Management APR CSR debt lower interest rate Mon, 12 Feb 2007 20:49:06 +0000 Andrea Karim 269 at http://www.wisebread.com The Key to Free http://www.wisebread.com/the-key-to-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-key-to-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000005795180_Large.jpg" alt="money envelope" title="money envelope" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I love mail-in rebates, because I have perfected the art of receiving them. It can be a royal pain-in-the-ear, but if you are willing to do a little extra work, you too can get save a remarkable amount of money on rebates.</p> <p>How do you know when to go for or forego a rebate offer? Here are some tips to help you get your time and money's worth. Some of these tips are well-known, and others are common sense things that people forget in the heat of the retail moment.</p> <h2>Before</h2> <h3>1. Do You Really Need It?</h3> <p>Take a really deep breath and assess if you need the product. Can you get by with a lesser model? You probably can. It is really, really easy to get sucked into the bottom line on a rebate, thinking it's a great deal. It may be a good deal, but do you even need it? I know this seems obvious, but the power of the rebate is a powerful, dark, evil force that science has yet to fully comprehend<span style="font-size: 13px; color: rgb(0, 0, 0); line-height: 1.5;">.</span></p> <h3>2. Do You Have the Rebate Form?</h3> <p>Make sure you know where the rebate form is. Ask an associate to provide you with the form. If they say, &quot;It's online&quot; ask them to provide you with the URL. If they don't know what a URL is, and they probably won't, don't take the offer. If the form is in the box, make sure that the store has a fair return policy, should you find the rebate terms too onerous.</p> <h3>3. Read the Fine Print</h3> <p>There are all kinds of stupid restrictions on rebates. You sometimes have to wait for a while before you can send in the rebate, or send in several copies of it, or send them your phone bill for the next three months. Know this BEFORE you take the offer and decide if you can accept it or not. Keep in mind that sending copies of your phone bill is sending your very personal information to complete strangers who may turn around and sell it.</p> <h3>4. Is It Worth Your Time?</h3> <p>Assess the time it will take to do what they want and figure out if your time is worth it. An hour? Two hours? How much money are you saving? If I was saving $150 for an hour's worth of work, I'd totally go for the rebate. If it was $30 for 1.5 hours, I just might not. Also, if you don't have your own photocopier, then it's probably not worth your effort to go to Kinko's and try to do the work there. Know how much your time and effort are worth. In fact, I almost never take an offer for a rebate that is less than $100.</p> <h3>5. Don't Throw Out the Box</h3> <p>Duh. Actually, don't throw out anything. Until you see that the rebate check has cleared in your bank account.</p> <h3>6. Don't Be Lazy</h3> <p>This is your money, and you should get it back. My mother bought two sets of cell phones over the past five years or so. For the first round, my boyfriend and I handled everything &mdash; ordered, received, photocopied, filed, even addressed, sealed, and stamped the items that needed to be sent out &mdash; taking maybe 25 minutes of our time. Mom got all of her money back, although she complained bitterly about having to send them certified. The next time she bought phones, she filed nothing and still blames the phone company for not giving her her rebate. The rebate she never asked for, because it was a hassle.</p> <h2>After</h2> <h3>7. Fill Out Everything</h3> <p>Do this as soon as you get home. Right away. ASAP. They companies want you to forget, so don't do what they want.</p> <h3>8. Make Photocopies of Everything.</h3> <p>Sometimes the company wants a photocopy, sometimes they want the original. Follow the instructions carefully, but regardless of what you need to send them, make extra photocopies for yourself. Digitally photograph the product and product packaging, as well. Every form, every receipt, every UPC symbol must be copied. Twice. Document, document, document. Put together a file folder called &quot;Rebates&quot; and keep all the info stored properly in there.</p> <h3>9. Send Via Certified Mail</h3> <p>Send everything certified mail, so that a signature is required for the company to accept the package. Consumerist says you should get your photocopies or forms notarized.</p> <h2>Follow Up&nbsp;</h2> <h3>10. Email or Call</h3> <p>Large companies will do all they can to pretend that they have no idea what you are talking about &mdash; that's why you kept photocopies of everything. Email is a great way to keep a written record (avoid web forms, if possible, since you don't get to keep a copy), although phone calls are faster. As with all CSR-related phone calls, make sure to ge the name and ID number of your representative right off the bat.</p> <h3>11.&nbsp;Complain With Class</h3> <p>Screaming gets you nowhere, and I definitely speak from experience on this. Hanging up also doesn't help much &mdash; the resounding smack of the handset slamming into in the cradle is just the sound of your rebate disappearing into a void.</p> <h3>12. Threaten, but Nicely</h3> <p>The Better Business Bureau, your state's Attorney General, and Consumerist all love to hear about this kind of stuff, and companies don't really want these groups looking into their lousy customer service. I have a feeling that a lot of CSRs have heard of Consumerist now and REALLY don't want their name up on a web site like that. Let them know that you understand how difficult the process can be, but after a fair warning, you are going to do your best to besmirch their name.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/the-key-to-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-not-buy-a-digital-camera-online-until-you-read-this">DO NOT buy a digital camera online until you read this.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-companies-with-the-best-customer-service">The 6 Companies With the Best Customer Service</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-a-drink-get-a-free-whopper-every-single-day">Buy a drink, get a free Whopper - every single day?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-body-scrubs">The 5 Best Body Scrubs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-youre-being-a-terrible-customer">8 Ways You&#039;re Being a Terrible Customer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping attorney general BBB complaint CSR customer service electronics fraud free mail-in photocopy rebate receipt shopping Wed, 07 Feb 2007 21:49:46 +0000 Andrea Karim 258 at http://www.wisebread.com