Indianapolis Recorder, Indianapolis, Marion County, 27 November 1998 — Page 28

PAGE D2

THE INDIANAPOLIS RECORDER

FRIDAY, NOVEMBER 27, IMS

REAL ESTATE Contimwd from Page D1

will prepare the paperwork and submit an invoice directly to the title company, to be paid at closing. If you don’t make special arrangements, then you’re expected to pay that in advance as well at a cost of roughly $300-$400. So, even if you’ve negotiated a very good offer and the seller is paying your closing costs, plus your down payment will not be from your funds, you still need to hold approximately $750-$1,000 to make the process work smoothly and to pay the expenses I’ve discussed. You will receive credit for these atclosing. You’ll very likely receive a check at closing.

I’m aware that there are ways to juggle things so the buyer spends less out-of-pocket during the process, but I write this column based on what’s typical and I try to apply the “common sense” factor on a regular basis. You need the money “NOW.” It’s still not too late to get into your new home by Christmas. Questions, comments, reprints call Mildred Wilkins at 574-7400 or write to Coldwell Banker Searight Haag <£ Partners, 8555 N. River Rd, Suite 1500, Indianapolis, IN 46240 LILLY Continued from Page D1

BRIEFS Continued from Page Pi seminar on Internet access on Tues, Dec. I, 3p.m.to4:30p.m.,at3800 Pendelton Way, Suite 300. The seminar “Leveraging the Internet: Strategic Business Solutions," offers useful information and professional advice on World Wide Web connectivity for businesses interested in getting the most out of their office networks and the Internet. It is being offered as a means to get the most out of your business communications’ investment. Admission is free. For more information or to reserve a seat, contact TDSNET at 590-4638.

plan sponsors. It manages about 300 million prescriptions for 56 million members and employs about 2,600 people. Its purchase is the first by a drugstore chain of a major prescription manager. Martin Grass, Rite Aid’s chairman and chief executive officer, called the deal “a winwin for the consumer and a winwin for the managed-care payors.” He said new technology will enhance the delivery of prescription drugs to patients and help reduce $75 billion a year in avoidable drug expenses. “We really look at this as making the comer drugstore the cornerstone of health-care improvement,” Grass said, adding that PCS headquarters will remain in Scottsdale and that its administrators and work force would remain essentially un-

changed. Rite Aid already has a small pharmacy benefits company. Eagle Managed Care. Grass said it will be merged into PCS and some of the 50 Eagle corporate jobs will be transferred to Scottsdale. The rest will be folded into Rite Aid. Ri;e Aid, based in Camp Hill, Pa., operates approximately about 3,900 pharmacies in Arizona and 29 other states and fills more than $6 billion worth of prescriptions each year. It has total annual sales exceeding $12 billion. Sidney Taurel, Lilly’s president and chief executive officer, said selling PCS will allow Lilly to concentrate on its core drug business. Taurel said PCS likely will perform better under a different

owner. “We view today’s announcement as being very similar to the creation of DowElanco in 1989 and Guidant in 1994-two moves that enabled businesses formerly owned by Lilly to continue to thrive while Lilly increased its focus on bringing, new pharmaceutical products to market,” Taurel said in a statement. Lilly last year sold its 40 percent stake in DowElanco, the maker of Dursban and Tracer insecticides, to partner Dow Chemical Co. for $1.2 billion. It spun off it medical device business, creating Guidant Corp., four years ago. Rite Aid said it expected to finance the deal with stock or stock-based securities. It said it has a bank commitment for $1.5 billion in place to provide backup interim financing.

PC education: how to go about learning, one microchip at a time

By: Jamil D. Shabazz President of Informational Services Net Power Links. http://www.netpowerlinks.com

In today’s changing world, computers are becoming more and more necessary to efficiently perform the day to day tasks of business and pleasure. The challenge today is to find the computer that fits your needs in the best possible way, and performs all the functions that you desire. Some of the dilemmas for computer buyers are: What can the computer do for you as a user? A computer will do a number of tasks, it’s just a matter of figuring out which tasks you need your computer to do. Which components do you really need to run your software programs? The wrong components, or too many components, can bog down your computer and make it run less efficiently. Who is going to support the computer if it breaks down? This is a major concern for most buyers of all skill levels. Most major super stores will not service the computers that they sell. Personal attention is essential to helping each buyer, before and after the sale. How can I learn more about my computer? The only way to basically leam from your personal computer is to “practice.” Many users find out it is not too hard to leam from your PC, but self-taught methods don’t answer every question. Computer based training will help you find your way around your personal computer Enter the future of professional development: you can sit comfortably at your computer in your home or office, go online, insert your CD-ROM, be asked a variety of questions to determine how you lewn best (through graphics, awfio, hands-on quizzes, etc.) and walk through

Through computer-based training, the future of professional development” is now a reality. Computer based training can enrich the entke.learning environment by creating a truly interactive experience where students are fully engaged in the learning process. And as the global economy becomes increasingly knowledge-based, it is likely that the role of computer based training will grow in step. Professionals, who have put in a busy day at the office can choose whether they want to train at home or in a classroom during the evenings and weekends. Computer based training is creating options for people who want to maintain or upgrade their skills to stay competitive in the workforce. Yottare. probably considering this option because it provides training when you need it in a format you can use. You want to ensure the product you select (and/or the developer you choose) is reliable. Ask for references, and check with other clients. Also, familiarize yourself with different instructional formats and what might work best for your training needs. A computer based training expert should be able to discuss tutorial, drill and practice, training exercises, games and simulations, problem solving, demonstration and presentation formats, and the combinations that are most effective for different learning needs. The training design may also incorporate a feedback feature, or possibly a testing option that can help you measure the effectiveness of the training. There are many considerations when investigating and selecting computer based training, but don’t be deterred. Your initial investment in time and research may result in an interactive, multimedia learning environment for your home or business that pays dividends for years to come. Are you ready to invest in

found the product or the developer that will provide you with the training solution you need? Here are some points to consider when selecting computer based training. Evaluate the training product from both a conceptual and physical standpoint. In other words, make sure the instmctional quality meets your needs and that you have the computing system resources and technological compatibility to operate the training application. Don’t forget about the support for these elements as well. To make sure you get technical and instructional support from the vendor, find out if it is built into the product or available . off-site. Make sure you are clear about what your needs are, so you can take a critical look at the available elements of computer based training. There are also computer training centers. These are centers that are authorized by Microsoft or other software development companies (i.e. Lotus, IBM, Oracle, etc.). Their purpose is to help you get a better understanding of different operating systems, software applications, etc. One computer-training center that we recommend is Knowledge Development Centers (KDC). We have taken computer based training courses there. So they come highly recommended from Net Power Links. For more information visit our Website: http://www.netpowerlinks.com or give us a call at 317-466-8949. Overall, learning how to use your personal computer is not hard. There are all kinds of tools out there to help you get a better understanding of just the basic know how of PC’s. Whether it is software or educational centers, make sure that you make a wise decision when spending money for training. Stay tuned for the next topic: Shopping for PC’s: Make Sure You Get the Best Buy.

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