Administrative Asst.
We are still growing and adding home-based employees! Work done on computer and phone during spot 5 day work schedule. This is a entry level position-we will narrate! Send resume with salary req. to: Nation’s CareLink; Attn: Janet; 5701 Shingle Crk Pkwy #400; Mpls MN 55430.

Administrative Asst/Home-based
Successful health assessment company looking for agreeable individuals to work from home conducting health interviews with clients who have applied for insurance. Work done on computer and phone during set 5 day work schedule. Immediate openings @ 30+ hrs each. Mon thru Fri. evening positions. This is a entry level position-we will train! Send resume with salary req. to: Nation’s CareLink Attn: Janet 5701 Shingle Crk Pkwy #400 Mpls MN 55430

Administration / Data Entry
Small company that has been in business for 3 years is looking for
motivated individuals who are interested in telecommuting (working out of their home). There are many positions available. Send resume to Attn: Rita Wellings, Po Box 595 Pinellas Park FL 33780

Adult Family Care Provider
LOCAL Only! Brockton MA Plot Code:508
SOCIAL SERVICES Would you like to work at home? Become an Adult Family Care Provider. Provide personal care, a room and board in your
home to an aged or disabled individual who desires a family like living arrangement and requires assistance with personal care, supervision in meeting basic needs. Receive a tax free stipend for providing care. For more information call Maria at PRIDE, Inc.
1-888-535-2276 ext 14

Advertising Reps
We are forming a new local newspaper and are looking for part-time
advertising sales representatives. If you are keen in working in
advertising send your resume with salary requirements to: Publisher, P.O. Box 452, Chesterland, OH 44026

Advertising Representatives
Lifestyle magazine seeking freelance professional. The successful
contractor will have good communication and organizational skills and be goal oriented. Send resumes to: Treasure Coast Publications, Attn: Ted Johnston, The Stuart News, 1939 S. Federal Highway, Stuart, FL 34994

Appointment Setters / Independent Telemarketers
$10 per hour, plus $50 per month for expenses. Work at home F/T or P/T! Online & printed human resources & employment weekly magazine is seeking for “success & money-motivated” appointment setters. Calls are on a business-to-business basis. Leads are provided. Send resume to AdvsaRep, P.O. Box 521531 Miami FL 33152 Fax: (305) 629-9340

Appointment Setters
Earn extra income. Work from home setting appointments. Fax resume to:
843-799-8322.

Artists
Wanted to do personalized invitation illustration. Send resume and samples with salary rate to: Art Director, FASL P.O. Box 4000 Clifton, New Jersey 07012. No artwork will be returned. Those who do not meet the resume/samples/salary rate requirement will not be considered.

Billing Clerks
Home based billing clerks handle accounts payables, collections and
bookkeeping. Computer literate, with proficiency in MS Windows, Word and Excel. Knowledge of MS Access is a plus, but not required. Send resume to Daylight Transport 1501 Hughes Blueprint Long Beach CA 90810

Banking Trainees
Positions available for Staff Manager, Loan Officers, Trainees and
Processors. Government experience a plus. Part-time, home based
positions. Send resume to: WMC, P O Box 1007, Evansville, IN 47706.

Business Writers
$50.00 per hour. Corporation seeks contract business writers. Submit
resume, salary history, and writing samples/clips (only submissions with writing samples/clips will be considered) to: Box 1836 c/o The
Commercial Appeal 495 Union Avenue Memphis, TN 38103.

Career Planning Manager
This company is looking for professionals from all industries who are detail-conscious and goal-orientated, who are able to work independently. As a Career Planning Manager, your team will provide Career Planning & Placement Services to displaced individuals that have lost their jobs, along with full service Internet recruitng services to companies looking for talent. Managing this unique combination of outplacement and recruiting servies requires good management, communication and sales skills. This is accurate work that can pay off big time for the right candidate up to $300,000 a year. SETTLEMENT MARKETING, INC., 11469 Olive Blvd., Suite 145 St. Louis MO 63101. Send an inquiry to: hr@settlementmarketing.com

Catalog Writers
If you’re a whiz in Quark Xpress and Microsoft Word, and have the ability to entice and persuade people with obvious, concise, benefit-driven copy, then this catalog retailer needs you. Present us you’re an outstanding wordsmith for fashion, home, food or health products. Wow us with three of your best writing samples (non-returnable) and your resume. Please send your resume and salary history to: Quixtar Inc., Catalog Editor, Dept SC-2N, 7575 Fulton Street East, Ada, MI, 49355.

Children’s Editors
Publisher of childrens’ textbooks is looking for creative Editors to work on Spanish projects. Must have obedient Spanish/English writing skills. Full-time/part-time. Send resume and qualifications to Frank Tamet at: 305-267-3001.

Claims Processors
Corporate Back Services of America, Inc., Need home based medical claims processors. Must have own computer with modem. Send resume to Attn: Human Resources, 10159 Wayzata Blvd. Minnetonka, MN 55305

Claims Processors
Companion Healthcare needs home based Medical reviewers that are independent contractors. Must be a registered nurse, absorb a personal computer with modem. Send resume and cover letter to 300 Arbor Lake Drive Suite 800, Columbia, MD 29223.

Claims Processors
Medical claims processors needed. Must have experience and own computer. Send resume and salary requirements to The Wisconsin Physicians Service, 1717 West Broadway, PO Box 8190, Madison, WI 53708

Claims Processors
Need home based claims adjusters. Must have own computer with a modem. Experience is preferred. Send letter of interest and resume to Superior Insurance Group, Attn: Adjuster Program, PO Box 6042, Indianapolis, IN 46206-6042.

Clerical
Clericom is hiring clerical workers from home. No previous experience. Full training provided. No commisions, selling, or recruiting alive to. If you can type, you can easily do this. Please contact typing24@getresponse.com

Coders
Excellent opportunities for Medical Coders who possess Emergency Physician Coding experience with a minimum of one year work experience in ICD-9 and CPT coding from medical records or successful completion of AHIM-P or CPC certification exam. Knowledge of codes, coding guidelines and medical terminology required. Medical Coders will work from their home as part of our successful team. Send resume with camouflage letter outlining salary requirements to: Human Resource Generalist KA or MB, Team Health 100 NW 70th Avenue Plantation, FL 33317.

Coder
Must have a minimum three years coding experience. We are currently seeking at-home coding specialists. You will code from the comfort of your home and all coding will be done on-line. For more information please fax resume to: 205-380-4079.

Coders
Excellent opportunities for Medical Coders who possess strong coding
experience. Excellent benefits and flexible hours with the possibility to work from your home. Send resume with cover letter outlining salary
requirements to: MNR, 8001 Belfort Parkway, Suite 200, Jacksonville, FL 32256.

Collections
Premier Auto Finance-$12/hour. They provide computer and phone equipment. 5 years experience necessary. Aon Corporation
HR-PTC 5050 North Broadway Chicago, IL 60640

Community Counselor/Coordinator
AuPair in America—-Flexible independent contractor location. Recruit and interview potential host families for year-long cultural/child care experience. Coordinate activities for international au pairs. Flexible hours, work from home. Submit letter and resume describing qualifications to: Erica Dysart, AuPair in America, fax: 203-399-5592

Content Collectors
Are you a Mom or Dad with a passion for parenting who would fancy to find a way to participate in a dot-com that helps other busy moms – without taking on a fleshy time job? We need you to help us earn a website directory of local resources and ideas available for busy moms. Content Collectors are energetic people who will contribute their absorb knowledge and experience of useful resources as well as find and rate new local resources. No experience necessary. Familiarity with word processing required. Send resume and cover letter to: MomZone, 1208 Massachusetts Avenue, Cambridge, MA 02138

Computer Programmers
New Boston Systems, 444 Castro Street Suite 700 Mountainview, CA 64041

Computer Programmers
Newsbytes News Networks. News service that specializes in news about
computer industry. Needs experienced computer writers. 406 Olive Street, W, Stillwater, MN 55082. Please send resume and mask letter.

Computer Programmers
Institute for Global Communications. Online computer service company seeks experienced internet, Unix and windows programmers. 1010 Doyle St. #9, Menlo Park, CA 94025.

Computer Programmers
ISC Consultants Internet and Call Center consulting firm needs graphic
designers, producers and HTML experts to develop web sites. Need previous experience in Photoshop, Freehand, and/or HTML editors. Send resume and screen letter to 14 East 4th Street, Suite 602, Fresh York, NY 10012.

Computer Programmers
AAGIS has opportunities for IT professionals with experience in Oracle
databases, UNIX, and /or Cobol. Must have 2-5 years experience. Apply online at www. AAGIS.com

Computer Programmers
Abteksoft Corporation has consulting projects for programmers with C++/MFX experience. Send resume and cover letter to 10900 NE 4th Suite 2300, Bellevue, WA 98004.

Computer Programmers
Addison Wesley Longman, Contract programming positions. Send resume with details of experience to Addison Wesley Longman, 1 Jacob Way, Reading, MA 01867 Computer Programmers Land and /or Distributed System Professionals needed. Must have college degree or equivalent experience, five years experience in implementation, support
and design of LAN’s, or microcomputer based systems, or 3 years experience in a related technical field management. Send resume and cover letter to Alltel, 50 Executive Parkway, Hudson, OH 44236

Content Editor
Work from Home 80% of time. 10-40 hrs. a week. Duties include write test specifications, assist in creating test blueprints, and supervise item writers. Edit items for content accuracy and meet deadlines as required. Send resume to Kelly Services, Ste 108 2880 Sunrise Blvd Rancho Cordova CA 95742-6547

Copywriter, Freelance
For personalized invitation company. Fax or mail your resume and samples (copies) with your rate to: (973) 472-3264 Art Director, FCSL P.O. Box 40003 Clifton, Fresh Jersey 07012.

Copywriters/Graphic Designers
Our in-house copy and design team is seeking talented copywriters and
graphic designers to work on a freelance basis. We research, write,
design and construct marketing collateral, publications, informational
health-related materials, and Web content. You should have a degree, 3-5 years experience, and a portfolio that demonstrates the stout range of your ability. Contact Claudette Bordeleau at: 401-459-5723 or email your resume to: bordeleau.c@bcbsri.org

Copywriter Salary: $30-40 / hour. Are you a freelance writer looking for projects with local companies? TCG is currently seeking copywriting talent for various clients in the northeast Ohio position. Candidates should possess at least one to two years experience as a writer in the field of web content writing, ad writing or direct mail. Send resume to TCG, 1300 E 9th St., Suite 1802, Cleveland OH 44114, Fax: 216 621-0417

Copy Editors
Experienced manuscript editors needed to edit manuscripts for medical,
nursing, dentistry, veterinary, and related health professions books. Excellent copyediting skills are required. Freelance editors must be adept at editing electronically in Word. Adherence to schedules is a necessity. Familiarity with scientific and medical terminology is a plus. We will contact ample applicants and send them a copyediting test. Send resume to Att: HR/Freelance Elsevier Health Services 11830 Westline Industrial Drive St. Louis MO 63146

Copy editors/Proofreaders/Indexers
Freelance Copy editors, proofreaders, indexers and Quark operators. Send resume and hourly rate to: P.O. Box 3032, Branford, CT 06405.

Corporate Account Executives
Need home based workers to execute the sales view and reveal webcasting solutions to customers. Ideal candidate will have at least 1-2 years outside B2B Sales experience, familiarity with the Internet and Microsoft Office applications. Send cover letter and resume to team@eclipsnow.com

Court Reporters
High Volume firm is in need of qualified Court Reporters in NY and NJ.
Freelance or staff positions available. Guaranteed work. Excellent income potential and schedule flexibility. Fax resume to: 973-631-7576.

Cruise/Tour Professional
Join the exciting vacation industry. Full-time/part-time. International cruise/tour company. Work from home. Travel industry benefits. Will train motivated people. Fax resume to: 727-572-9351.

Customer Relocation Management
Telecommute from home. Position is responsible for servicing relocating customers. Aid customers with apartment searches and other relocation needs. Requires Property Management or Apartment Locator experience or any related experience. 2 years of customer service, sales or marketing experience respectable. Computer proficiency required. Real Estate License a plus, not required. TO APPLY submit your resume along with the position you are applying for to: jobs@relocationcentral.com

Customer Service Representative
We work primarily with the newspaper industry. Our customer service
representative’s work from their homes making customer service calls for our newspaper clients. There isn’t any selling involved; and in most instances, we are checking on the customer’s service and reporting relieve to the newspaper so they can take appropriate action. Although working from home sounds great you have to remember that it is a real job and you need to display the same dedication and effort you would display for an office job. To apply, send resume to Ver-A-Fast Corporation, 20545 Center Ridge Road, Suite 300, Rocky River, Ohio 44116

CUSTOMER SERVICE
(Atlanta residents only)
WORK FROM HOME opportunity for those tired of fighting traffic
in Atlanta! Offering guaranteed Hourly Wage plus BONUS. Home
computer and second phone line/DSL or cable modem required
(Employer offering a purchase and/or reimbursement plan).
New telework department at NSDI Teleperformance for customer
and membership services. Contact Ms. Franks at 404.851.1611
or email resumes to jfranks@tpamerica.com

Customer Service Evaluator
Looking for first-rate people to evaluate customer service at local
businesses. Salary varies due to the detail of the assessment. Register online at http://www.ssanet.com

Customer Service
$10 per hour / $400 per week and up. Work at home handling inbound calls. No product sales or appointment setting. Requirements: Computer with high speed connection or Web-TV National company – the leader in its field – is setting up home based divisions to handle inbound calls from its nationally televised infomercials. Handle callers from 900 numbers and transfer method of payment to credit card or check. Must be able to work with accuracy and bustle while maintaining professional and friendly attitude. Respectable, clear,
phone vow and the ability to simultaneously read info provided on screen, talk and type accurately. Telemarketing/Customer Service/Sales experience preferred, but not essential. Apply online at www.callsathome.com

Customer Service
Our call center is looking for experienced Customer Service Representatives and Collector’s. The successful applicant should have 3-5 years of experience in a call center environment, in either customer service or collections. In a work at home environment, our reps connect via the Internet, to the Alliance corporate
computer network, placing and receiving calls via CentreVu IP Software. All reps need to be located in Southwestern Bell’s Kansas City local calling area. E-mail/send your resume to: sbbrown@alldata.net or fax to 913-577-5049.

Customer Service Specialists
Live Ops–This company hires people to answer a variety of inbound calls from their homes. Incoming calls are scripted for the customer service specialist depending on the client. Calls are routed to your home. They have been reported to pay 25 cents per minute you are actually on the phone. If you choose to work at their peak volume times when calls are coming in one after another, you can derive approximately $15 per hour. They allow you to mark in at your own
convenience. Liveops.com, 112 Rose Drive, Fort Lauderdale, Florida 33312, Email: info@liveops.com

Customer Service/Reservation Agents
Norweigan Flit Lines—Join one of the fastest growing cruise lines in the industry. Seeking highly motivated full-time Reservation Agents to work from home. Send resume to NORWEGIAN CRUISE LINE, FREESTYLE CRUISING, 7665 Corporate Center Drive Miami, FL 33126

Customer Service/Reservations Agents
Jetblue Airways, This airline hires its reservationists to work from home. They currently have over 300 reservationists working from their homes. Send resume to: Jetblue Airways, Attention: Human Resources, 80-02 Kew Gardens Road, Kew Gardens, NY 11415

Customer Service Reps
Please send a short resume, including e-mail address, city, county, and space, to: Attn: Marvin A. Hodges, Call Centers Remote, Global ISP, Inc. 9850 SW 15 Street * Miami, Florida 33174

Customer Service
Connect Plus, www.connect plus.com
1-888-821-1499

Customer Service
Virtual call center needs to hire people to answer incoming calls in their home and process data on computer. Must have computer with DSL, Cable, or ISDN access, private phone line, and be able to work 4 hours at a time. Decide your own hours and days.
Email norwest@qwest.net

Customer Service
Looking for experienced Customer Service Representatives and Collector’s to serve our customers “working from home”. The successful applicant should have 3-5 years experience in a call center environment. Our reps connect via the internet to the Alliance corporate computer network to dwelling and receive calls via CentreVu IP Software. To apply please send your resume via fax to Alliance
Data Systems 913-577-5049

Customer Service Agents
Previous telephone experience and references are essential. Resume to FNet Corp International Headquarters, 733 Lakefield Road, Westlake Village, California 91361

Customer Service:
Alltel-Answer incoming calls from your home. Pay is approximately
$9-11/hour. Must be available to work a minimum of 15 hours weekly. Email: workfromhome@altell.net
Alltell Staffing, 1101 Anderson Drive, Littlerock, AR 72212

Customer Service Clerks
(Home Based) $14.25/hour. Major retail catalogue company needs customer service staff to work from home. You will win calls from customers, confirm availability of items and enter name, address and order information. Previous customer service experience is A MUST. You must also be able to type at least 80wpm with no errors. (You will be tested.) $10.50 for daytime shift. Clerks are also needed to work from 9pm to 3am. The pay rate for this shift is $14.25. Fax your resume to 949.266.8845.

Customer service, telephone representatives
Career Creature— $15 per hour. Do you have a knack for talking to people on the phone? There is no cold calling, this is not sales. All your calls are scheduled and come to you at your home. This is a customer support based position. You job will be to retort questions and assist our customers. Work from home. You must have conference calling installed before your training is finished and a quiet plot to work. Internet access and phone capabilities at the same time are a must. We offer full benefits. Basic computer skills are necessary. To apply, please send your resume package to Career Creature, 300 S Orange Ave, Orlando FL 32801

Customer Service
ICPLANET –Other positions as well, online matching service that connects people with projects. Website is www.icplanet.com
4000 Civic Center Drive Suite 210 San Rafael, CA 94903

Customer Support
J-n-L Enterprises, Answer inbound calls for our company. Pays approximately $11 per hour. Taking calls from customers. This company pays you to acknowledge calls. They work on a per minute basis. For more information please contact Laura at 217-732-5994. Or visit the website at www.J-n-Lenterprises.com

Customer Service Representatives
Time Communications, These positions involve answering calls that are routed to your home. Pay is $1750/month, Minneapolis area, 877 Jefferson Avenue, St. Paul, MN 55102 Phone: 651-229-3636, Fax: 651-298-1945, Voice: 1-800-486-8581

Customer Service Agents
Gateway Computers-Answer customer service inquiries from home! Send resume to Gateway Computers, Human Resources, P.O. Box 540278, Waltham, MA 02454-0278, or apply online at www.gateway.com

Cyber Agents—Customer Service
Average pay $10 – $24 per hour. Willow offers you the opportunity to be a service provider in this industry as an independent contractor. You site up your own eBusiness in your home. CyberAgent CSRs are professional customer service representatives who provide services to their clients on a highly flexible, as needed basis. You will answer the telephone or respond to Internet inquiries. Presently, there is a pool of over 1,500 CyberAgents CSRs located in Miami-Dade, Broward and Palm Beach Counties, in South Florida. To apply, please visit: http://willowcsn.com/creditcard/account.asp

Data Entry
Work at home. Various work provided. Apply online:
http://taxloanprocessing.com/gateway.html

Dating Service Representative
We offer the opportunity to work from a home based office. You will
explain our membership service to our customers. Part-time and full-time positions available throughout the US. Send resume to Pete Kelly – VP of Sales & Marketing, International Life Mates, Inc 451 SE 2nd. Ave. Pompano Beach FL 33060

Documentary Writer/Producer, Freelance
Experienced freelancers wanted to write and produce nationally broadcast documentaries. Responsible for research, script, location shoots, offline and supervise online edit. Send resume, script samples or reel to: WTLN, 524 Datum Street West Palm Beach, FL 33401 Attn: MPL.

Editorial Reporters
Longwood Information: Researchers needed for online newsletter
4822 Quebec Sreet Washington DC, 20016

Editor/Writer
Marketing Editor/Writer needed for a leading e-business software provider in suburb Phila seeks freelance copywriters, copy editors, & proofreaders for its global Web site. Successful candidates will have two or more years of writing or editing exper. & will be familiar w/basic PC productivity tools, such as Microsoft Word, Powerpoint, & Outlook. In addition, candidates must have access to a PC &
dial-up connection and must be avail to work on-site at least 20hrs/week. If interested, pls forward your resume & contact info to:
PresidentTCSrvtaglier@erols.com

Editors
Internet Jobs Unlimited
2857 W. 15 Court
Mirmar, FL 30351

Editors
CMP Publications
600 Community Drive
Manhasset, NY 11030

Educational Assessment Specialists
Telecommute from anywhere in the country! Individuals will write, edit, revise test questions and related educational products; analyze curriculum and state standards; create blueprints for developing educational products; and plan and monitor the development of tests for statewide testing programs. Please send two copies of your resume along with a cover letter stating current salary to: ETS K-12 Works, Inc., Attn: Carol A. Hawkes, Rosedale Road, Mail Cessation 5-D,
Princeton, NJ 08541

Educational Representatives
Professionals wanted to involve area schools in our fundraising
programs. Great opportunity to work from home. Send resume with salary
requirements to: American Heart Association, Recruitment Manager-LI,
2550 US Highway One, North Brunswick, NJ 08902.

Flex Agent
We are the national call center for Sylvan Learning Center and are located in Littleton, Colorado near Southglenn mall. We have immediate openings for Flex Agents (Educational Consultants). A success person on our team has the ability to work from home, uses a respectable consultative advance, is able to work comfortably on the phone all day, had 3+ years experience in customer sales or customer service, has a minimum of an associates degree or equivalent, has a desire to help children succeed in school and in life. We provide total annual compensation of $44 to $60k, 3 weeks vacation to commence, deep Sylvan discounts, med. Benefits, 401K, PT or FT opportunities for growth, and a fun working environment. Inbound calls only-no cold calling. Must be available for in house training. Sylvan Learning Center 1-888-EDUCATE

Freelance Positions
Currently hiring freelance photographers, shopping editors, movie reviewers, and restaurant reviewers. Please visit http://abouttmcs.com/jobs/cs_freelance.html
for more information and application information.

Graphic Artist
Black Millionaires Magazine: Work from your home, office, or studio. Prior work on commercial magazine ads preferred. Must have own equipment and materials. We pay on a per ad commission (plus performance bonuses). Send hard copy samples of work to: Platinum Media Worldwide, Attn: Contract Personnel, 81 Osborne Terrace,
Newark, NJ 07108-1709.

Graphic Artist, Freelance
To work on company startup identity package, logo, print ads, brochures, catalog. Preferred experience in direct-mail, direct marketing, and consumer sales type projects. Copy writing skills are also welcome. Opportunity also to work on website design and graphics. Requires Internet access (cable/DSL), and your own design equipment, scanner. Fax resume to: 413-604-8817

Graphic Artists
$15 to $200 per job. Part-time. Work from home! Go to
www.protshirt.com/job.htm or send a short resume via fax and an example of any recent artwork you’ve done. Fax# 972-691-6639

Graphic Artists
Searching for experienced graphic designers with 2+ years experience
working with Photoshop, Quark Xpress and Illustrator to work short-term freelance contracts at clients dwelling. Please register online at: www.techead.com

Home Sales Reps
Earn money while working at home. Use contacts and referrals to sign
customers up for our service. Marketing and management support to help you. E-mail jmherrin@z-tel.com or call Price at 352-372-8770 Home Telephone Agents Work from the comfort of your own home to staff a Virtual Call Center, answering inbound calls. By using your own internet access, while answering calls from a separate phone line, you can select your own hours. Access codes and scripts provided. Automatic compensation tracking provides you $.15 for each exiguous that you provide Customer Service. To apply, contact employment@dmsi.cc or send your resume to DMSI PO Box 4460 Harrisburg, PA 17111-0460

Home Telephone Survey Agents
Clear speaking telephone agents needed nationwide. Work from home. Easy, flexible schedule. Huge pay. We are a 10 year old full service Insurance agency. As a home agent you simply contact individuals or business owners in your local area from a list WE provide you and using OUR scripts you simply ask them to complete a quick 3 to 5 limited survey about their current life or health insurance program and ask them if they would like to receive a quote to compare coverage and save money. For application information please email:surveys@email.com

Hospitality Recruiters
Perfect for stay at home parents or people seeking a second income. 20 to 30 hours per week with schedule flexibility. Positions entails making calls to come by profitable candidates. Previous recruiting experience or phone work a plus. Start a career from your home. Send resume to Attn: Mike McCusker, The Gates Group 331 Montvale Avenue Ste. 330 Woburn MA 01801

HTML Designers
Individuals fluent in HTML frames, CSS, and JavaScript needed for either freelance or full-time work. Experience with ASP also a plus. Possibly off-site. Grand verbal and social communication skills. Please attach a resume and e-mail to: jobs@jdm.com, or mail to: JDM Interactive Inc., 116 West Houston 3rd Floor, New York, NY 10012. Fax: 212-505-7880.

Independent Representatives
$50,000 to $60,000 your first year working from home. Work for leading
Publishing Company selling advertising in their books, CD-Roms and
on-line. You must have prior sales experience, live in the IL area & be entrepreneurial. E-mail resumes to: Management Recruiters of Portland jobs@mrportland.com

Insurance Claims
Nationwide Insurance
Human Resources Department
PO Box 3275
Englewood, CO 80155

Insurance Auto Appraisers
Wawanesa Inc
9050 Friars Road
San Diego, CA 92108

Insurance Claims
CIGNA HealthCare,
Various positions in various offices, contact local office for more
information in your area.
31 Reeds Way, New Castle, DE 19720
Fax: 302-323-0403

Independent Sales Reps
Sell a cutting-edge, high-tech/personal-touch automated telephone
message delivery service (PAM, your Personal Automated Messenger). We
pay very generous commissions. Requirements: high motivation, strong
work ethic, good prospecting skills, ability to understand customer’s
needs, and extensive experience within a vertical market. Check out our service at www.pamcall.com, then send letter of interest and resume to: dangardner@altavoicecommunications.com

Internet Savvy Individuals
Needed for Internet Sales & Marketing projects (FT or PT available).
Virtual workers with Web access/Email required. Work from anywhere in
the U.S. Send email with phone number and best time to call to:
darrell@osbornis.com

Interpreters
Spanish $10 per hour; Korean, Vietnamese, Chinese $11 per hour. Fast-growing multilingual services company seeks fluent bilingual telephone operators. Freelance work from home all languages available. Testing, training provided. Fax resume with contact information to: 805-370-7474 Attn: Recruiting

Interpreters
Freelance work from home all languages. Testing provided. Fax resume to: 805-370-7474 Attn: Recruit

Interviewers
Deltametrics—-600 Public Ledger Building
150 S. Independence Mall West
Philladelphia, PA 19106

Investigators
Work from home & find $25-30,000. Immediate openings with nationwide
investigative company. Good communication skills required, plus the
ability to meet deadlines. Must be familiar with Email & Internet
research. Send resume to: 5541 Oakville Shopping Ctr. #149, St. Louis,
MO 63129

Kitchen Writers
If you enjoy kitchen-related activities (such as baking, cake
decorating, candy making, canning, and/or beer and wine making) and are a talented writer, we have a colossal opportunity for you! Kitchen Krafts is seeking creative Freelance Writers to submit articles for use in various printed materials. Candidate must be an fervent writer capable of producing enchanting articles, tips, and/or suggestions on an as-needed basis. Please email your resume to:
writers@kitchenkrafts.com

Legal editors
Lexis-Nexis—-Local 937-865-6800
Toll Free: 800-227-9597 X 6044

Right Positions, Freelance
Temporary, full-time, career solutions available for legal
secretaries/paralegals. Fax resume to: 503-295-9977.

Loan Processors
Flexible hours. Excellent compensation. Working from home, part-time,
for experienced processors. Fax resume to: 610-622-4218.

Mail Processors – Need dependable people to attend process mail, work at home, no experience required, will pay $10/hour. Send information about yourself to: The Northern Aurora Wildlife Preserve. PO Box 1006, Albany, Oregon, 97321

Medical Editors
Writing and editing medical publications, presentations and continuing
education programs. Gracious candidates should send resume, salary
history and writing samples to: Medicalliance, HR/MW, 5565 Sterrett Place Suite 200 Columbia, MD 21044

Medical Claims Processors
Candidates must possess basic computer skills. A two-year associate degree preferred, high school diploma required. Opportunity to work from home. Please send resume and salary history to: ASR Corporation, RE: Claims Processors, 3033 Orchard Vista Dr., Grand Rapids, MI 49546

Medical Record Coders
Work from home, must be ART or Certified. 2-5 years experience. Send resume to: HMS, P.O. Box 641, Holland, OH 43528.

Medical Representatives
You will be servicing and developing accounts from your home based
office for medical device and pharmaceutical companies. Experience is
sales or customer service helpful. Please submit your resume and cover
letter with salary requirements to: TOLAS Health Care Packaging 905
Pennsylvania Boulevard, Feasterville, PA 19053, Attn: DD

Medical Transcriptionist
National Medical Transcription Company is looking for genuine individuals to work at home. In need of Medical Records / Rad / Onc /
Radiology / Ophthalomology Transcriptionist. Radiology must have 2 yrs exp with MRI. MR must have 2 yrs exp typing Ops & DS, A bonus
and assist package available. Please call Mon – Friday 1-800-322-4720
ask for Trish or email resume to twheler@medquist.com

Medical Transcriptionists
This company uses medical transcriptionists who are independent contractors, you need good medical terminology and 3 years experience and are paid by lines typed. ORACLE TRANSCRIPTION, INC., 4007-B Norbeck Road, Rockville, Maryland, 20853, (301) 929-9100, or (800) 983-3581 Fax: (301) 929-9275 http://www.oracleti.com/index3.htm

Mortgage Closers, Shippers
Work from home. Make your own schedule. Fax resume to Attn: Jean
972-446-1707

Mortgage Loan Reviewer
Full time, work from home!! Subcontracting opportunities available. Internet access required. Very competitive salaries, great benefits. 401k . Fax resume to: HQ 703-448-2030

Monitors
Work from home, monitoring clinical trial study. Send resume to Dawn Tkach, Scientific Staffing 51 West Prospect Street East
Brunswick NJ 08816 Fax: 732-651-5968

Monitor,
Websites—Work from home, monitoring website for correspondence from
clients and travel partners. You will be selecting the most appropriate go partner to work with a client, given the client’s needs. Track activity/client traffic, create weekly reports of sales activity, as it pertains to the website. Travel industry knowledge and experience (minimum 2 years, either high-end leisure or corporate). Excel and Internet knowledge. Send resume to 12degrees 801 High St
Palo Alto, CA 94.

Music CD/DVD Representatives
Wholesale CD/DVD distributor seeks experienced self-starters for heavy
phone and computer work; in-depth knowledge of general music and trends agreeable. Work from home. Fax resume to Human Resources at: 714-995-8038

Mystery Shoppers/Researchers/Survey/Interviews
Total Resource Group
936 East 12th Avenue
Denver, CO 80218

Mystery calling and Mystery shopping,
A Top Shop-Pays a flat rate between $10-$20 per shop.
9032 West Ken Caryl, Avenue, Suite 101, #A7-B
Littleton, Colorado 80128
Corporate: 720-283-8377
Fax: 303-948-6618
www.atopshop.com

Mystery Shoppers
Annonymous Insights, Inc
7438 Sawmill Road #421
Columbus, Ohio 43235

Office staffing company
Various office positions available from home
Virtual Staff, email applications only, www.virtualstaff.com
Bpkane@virtualstaff.com

Office and administrative positions
Office Technology Inc. Agency outsources office support. Send resume to Attn: Human Resources 1315 Gillingham Road
P.O. Box 405
Neenah, WI 54957-0405

Office/Administrative Positions
We offer full-time hours, group medical and dental, performance bonuses, 401K, eyewear discounts, referral bonuses, computer faulty training, and additional skills training. Fax resume to: 858-268-5106.

Paralegals
The Affiliates,
98 San Jacinto Blvd 700
Austin, TX 78701

Phone Interviewers
Work from home, flexible schedule 8-20 hrs/wk mostly evenings. Fax
resume 305-598-9580

Photographers
Freelance photographers to deepen resource pool. Assignment work only.
Successful candidates able to show portfolio. Retirees welcome. Send resume to Editor, The Colonial Williamsburg Journal, P. O. Box 1776, Williamsburg, VA 23187.

Production Assistants
Compensation starts from $10 an hour. VideoHomeTours, a premier Internet company is looking for eager, computer literate, graphically oriented individuals to learn to perform virtual tours. VideoHomeTours uses advanced, digital photographic and video equipment to “walk-thru”
property. Freelance and part-time work available. Please e-mail resume
to: HumanResources@VideoHomeTours.com or fax a brief letter and resume
to: (773) 992-2052.

Proofreaders
Opportunities are available for home based entrepreneurs. Real estate
background helpful. Responsibilities will include supervision of work
cell, consisting of several minute takers assigned to various clients,
proofing of their work, interfacing with clients and production of
monthly Newsletters, where applicable. Home computers, fax machine,
access to the Internet and good working knowledge of MS Word required.
Mail resume to: Adkinson-Thorne Enterprises, LLC, 14 Mountain View
Avenue, Suffern, NY 10901 or fax to: 845- 368-3231

Proofreaders/Copywriters
Advertising agencies contemplate Editors, Proofreaders and Copywriters with 2 or more years experience. Freelance and Staff positions available.
Medical/Pharmaceutical experience is a plus. Please fax resume to:
201-842-7718

Proofreaders
If you you qiuckly stare the 3 mistakes in this sentence, you may have what it takes to work with our demanding clients. The people we seek have: *excellent proofreading and language skills; * very righteous word processing skills; * an hour here and a few hours there, a few days per week; * a expedient PC or Mac with a newer version of Microsoft Word; and * reliable Internet access. Please contact Phil Jamieson via email: philj@ProofreadNOW.com or send resume to ProofreadNOW, 447 Boston Street Topsfield MA 01983

Proofreaders and Copywriters
Aquent, is seeking serious top-notch freelance proofreaders for positions within every industry imaginable. Freelance opportunities abound, but only for those dedicated and good enough to meet
our exacting standards. What’s in it for you? Great pay, benefits, career growth and working for the coolest talent agency in town! Applicants should have two plus years experience proofreading in a professional environment, a great attitude and be able pass an assessment test of their skills. If this sounds like you, please send your resume and a cover letter telling us a diminutive about yourself. Candidates MUST consume LA PROOF as their subject heading to be
considered and must be prepared to take a proofreading assessment. $25 per hour. Either respond via email to laresumes@aquent.com OR Fax your resume to: (323) 634-7696.

Proofreaders
University Graphics
11 West Lincoln Avenue
Atlantic Highlands, NJ 07716

Proofreaders
Now hiring FT & PT, Supervisors, Medical Proof readers & Medical
transcriptionists. Work from home on a state-of-the-art digital system. Base pay plus multiple incentive bonuses. Fax to: 407-656-1947 or 407-352-1247.

Proofreaders
$8-$12 per hour. Experienced proofreaders needed to proofread page proofs for medical, nursing, dentistry, veterinary, and related health professions books. Excellent spelling and grammatical skills are required. A knowledge of proofreading symbols is helpful. Adherence to schedules is a necessity. Familiarity with scientific and medical terminology is a plus. We will contact qualified applicants and send them a copyediting test. Send resume to Att: HR/Proofreaders Elsevier Health Services 11830 Westline Industrial Drive St. Louis MO 63146

Proofreader
For brochures and annual reports. Ongoing freelance work during the day. Send resume to Attn: Sydney Smith, Ross, Culbert & Lavery, 15 West 20th, New York NY 10011

Readers
Readers are responsible for reading and evaluating responses to
non-multiple-choice questions at the elementary and secondary school
levels, and for assigning scores via computer or by hand according to
established standards in the areas of reading, writing, mathematics,
science, arts and humanities, and/or social studies. Training is
provided. Qualifications: Associate’s degree or a minimum of two years
of relevant college course work. Respond with a resume and letter of
interest using one of these methods, by mail: Measured Progress, P.O.
Box 1217, Attn: Human Resources, Dover, NH 03821. Fax: (603) 749-6398.

Relocation Services & Relocation Transportation Professionals
National company is seeking individuals to help us with our relocation
services. Work from home only. Fax resume to Ryder Proceed Management, a Budget Group Inc: 952-401-4500

Reporters/Writers
The Pandya Group of Electronic Newspapers, a group of six rapidly
growing online newspapers, is seeking ambitious Reporters to write
newspaper articles and features and interview newsmakers. Candidates
must enjoy meeting new people. Candidates must be amicable and have
excellent written and oral communication skills. Full or part-time job. Salary or freelance pay. Mail resume to: Pandya Computers, Inc., 630 Industrial Park Road, Ebensburg, PA 15931.

Researchers
PI Marketing Systems
1421 Ruidosa Drive
Wichita Falls, TX 76306

Researchers/Telephone Surveys
Interactive Services Inc
9 S 412 Frontage Road
Hinsdale, IL 60521

Research Recruiters, Assistants and Anecdote Managers
Full-time and part-time openings available to help support the Technical Recruiters with name and resume sourcing, research, profiling of applicants and internet job posting. Earns a percentage of placement fees as incentive bonus. We will train you as necessary to do your job, and this position may lead you into becoming a Technical Recruiter yourself. Also hiring National Account Managers and Resume Processing Assistants. Work from your virtual office. Send resume to Electronic Search, Inc. – Personnel Department, 3601 Algonquin Rd., Suite 820 – Rolling Meadows, Illinois 60008.

Reservations Agents
Jetblue Airways,
Attention: Human Resources
80-02 Kew Gardens Road
Kew Gardens, NY 11415

Sales Representatives.
IMS-This company hires professional sales representatives to work from their homes for various clients via telesales. The pay has been reported to be approximately $15 per hour. IMS
Info@telesalesspecialists.com visit www.telesalesspecialists.com

Subscription Representative Home Agents
$14.00 per hour, plus $50 bonuses. Fortune 500 employer. Home Agents receive incoming calls from those wishing to register for Sweepstakes. Once registered, the caller is offered an opportunity to purchase a magazine subscription package of their choice at a substantial discount off the newsstand stamp. Part-time from 12 to 32.5 hours, and $1.00 hourly or commission differential for Saturday and/or Sunday shifts. Must provide your own PC, with Windows 95/98 or ME, two
phone lines or one phone line and cable ISP or DSL, with voice and data capabilities, and a headset. Free software is provided and two weeks paid training in Clearwater, New Port Richey and Jacksonville,
Bradenton/Sarasota, Florida. Applicants may call our jobline at 1-888-737-7297

Surveyors (telephone) /Shoppers– Audits and Surveys Worldwide, Inc.
650 Avenue of the Americas New York, New York 10011

Survey Takers
Brand Institute Inc
1201 Bricknell Avenue, #350
Miami, Florida 33131

Telephone Agents
$9.00 – $12.00 per hour. Impress customers up for Monthly Membership Club
and take customers information so that they can be transferred.
Encourage customers to call a 1-900 number. This is not a phone psychic job! Apply online: http://www.bassador.com/vcc/

Telephone Operators
Should be in local site code #301 A great opportunity to WORK AT HOME.
“Value Village” NO SELLING! SALARY + BONUS. Call 301-333-1900 weekdays 9-4.

Telesales
$7.00 per hour guaranteed plus commission paid weekly. Previous Internet experience required. Business sales. Work at home. Send resume to ChamberGates 18352 Dallas Pkwy #136-542 Dallas TX 75287-8209

Telesales
Full-time, part-time: work from home! Christian retail products. Send
cover letter and resume to: “Telesales” Fax: (615) 872-9786. Or, Vox
Corp, 3670 Central Pike, Suite J, Nashville, TN 37076.

Telemarketers work from home. Paid hourly. Must have a pleasant/friendly phone voice
and enjoy talking to new people. Choose your hours. No nights or
weekends. Set-up appointments for our sales staff. Fax resume to:
410-296-3983.

Telemarketing Part Time – Work from Home at PMR, hiring telemarketers to work ten to fifteen hours per week. 10.00 an hour. NO FEES, we pay you. Weekly payment. You must have prior telemarketing experience to qualify. For an interview, e-mail: bbmedicinemen@aol.com

Telemarketing at Pharmaceutical Management Resources, a human resources consulting firm, is currently hiring telemarketers to work from home part time. This is a ten to fifteen hour per week situation which pays 10.00 an hour plus commission. Only experienced telemarketers need apply. We cannot train inexperienced people at this time. NO FEES. We pay you. Hourly checks are paid every friday, commissions are paid as they are earned.
To apply, e-mail: bbmedicinemen@aol.com. We will respond with additional information and interview dates and times.

Telemarketing- Phoneforce. Would you like to work from your home office anywhere in the country? A PhoneForce caller is a member of an elite team of highly specialized business professionals who have extensive experience in a variety of fields. If you have a business background, basic contact management systems experience and general expertise using the phone, this job is for you. Consider joining this team of outbound calling specialists providing premium business to business lead generation and telemarketing services. Please submit your resume via email. Visit the website at www.phoneforce.com Phone: 1-800-640-6409 Fax: 415-453-9599

Telemarketing
Ameridel is seeking telemarketers to work from home 20-35 hours per week. Paid training, benefits, medical, paid holidays and retirement plan.

Telemarketers
American Telemarketing Inc.
3349 Cahuenga Blvd West #5A
LA, CA 9006

Telemarketing
Remote Control
514 Via de La Valle, Suite 306
Solana Beach, CA 92075

Telemarketing
Telecommunications Professional Design
PO Box 215684
Sacramento, CA 95821

Telemarketing
Advanced Visions,Send resume to Keri Fletcher, 6422 E. Fourth Plain Blvd. Suite G6, Vancouver, WA 98661

Telemarketing – INTREP is one of the most progressive outsourcing companies in the world. We take the virtual office business model to the next level by hiring “at home” professional inside sales personnel. Our reps have a solid business background allowing them to communicate at all management levels. We require inside sales experience along with computer and software knowledge, in addition to a sound customer service orientation. You must have a home office with an appropriate computer system with Internet access preferably DSL or Cable. If you have the ability to work from home and believe you have the credentials to become part of our elite team, Intrep can provide you with a fresh and fulfilling career experience. We are always looking for candidates with inside sales experience in all industries and all geographical locations. Opportunities are currently available for candidates with experience in Payroll Processing, Advertising, Printing, Computer Related/IT, Telecommunications, PEO Human Resources and High Tech. Candidates can be located anywhere in the U.S. For immediate consideration, apply online.
http://www.intrep.com/i_application.htm

Intrep, Inc.
5178 Marks Court
New Albany OH 43054 USA
Phone:
Fax: 614-573-7453
Company Email: hr@intrep.com
URL: http://www.intrep.com

Telephone Interviewers
Must have high personal integrity, reliability, and ability to work
independently, Spanish/English, respectable phone skills. Work From Home. Flexible schedule (8-20 hour per week). Fax resume to 305-598-9580.

Telephone Representatives – $1 for each person you call and fill out a five minute survey for. You would then enter the survey information at a particular web site, or email us each scrutinize information in a separate email. The method you choose is up to you…whatever you earn easier. This does not involve any sales. The best thing to do would be to acquire
calls in your local area, as this would not require any phone charges for you. This is a work from home position. Applicants MUST live USA. Must have a PC, phone line and a clear good speaking voice. URL: http://jobs.iwarp.com/application.html

Telemarketers
For evening work from home. Send resumes to: State Farm Insurance 101
South US Route 15, Suite B, Dillsburg, PA 17019

Test Writers
International firm looking for skilled home based teachers.
Familiarity with Microsoft Word required. Ability to work from home through email required. Work involves creating questions and answers in Mathematics and History (Grade 3, 4,5, 6, 7, 8 9 and 10). Long term work. Payment by the assignment. All payments will be sent by check. Please email resume to max@ponnuraj.com

Test Writers
A leader in educational assessments, seeks educators to write test items in the areas of Science, Mathematics, and Social Studies. Will provide item writer training. Forward resume and cover letter, including content area to: Riverside Publishing, A Houghton Mifflin Company, Attn: Ricarda Burciaga, 425 Spring Lake Drive, Itasca, IL 60143.

Translators — All languages needed to join the E-Services Marketplace. Go to http://www.uniscape.com/translatorcentral/index.htm Or, send resume to: Rachelle Acuna-Narvaez, Uniscape, Inc. 303 Twin Dolphin Drive Suite 500 Redwood Shores, CA, 94583 FAX: 650-596-1436 Email: Rnarvaez@uniscape.com Visit: www.uniscape.com.

Translators
Accurapid Translation Services, Inc., 806 Main St. Poughkeepsie, NY 12603. Need technical translators in all languages for business, engineering and scientific documents. A computer and modem is a requirement. Submit resume and description of technical expertise, computer type and /or telecommunications equipment. Pays by the word.

Translators
Uniscape
303 Twin Dolphins Drive Suite 500
Redwood Shores, CA 94583
Fax: 650-596-1436

Translators
Continental Translation Service
6E 43rd Street #2100
New York, NY 10017

Translators,
Olds Communication—hiring translators and interpreters in the legal,
social services, immigaration fields etc. Must have experience. Email with resume, rates, references, and experience in translation in any of the above fields to: info@oldscommunications.com. Based in Littleton, Colorado.

Transcription
Here is your opportunity to take advantage of one of our new programs. Work from home. Ravishing pay structure. Full or part time. Prior experience in medical records dept. or a hospital preferred. Send resume to Seton Health, Human Resources, 1300 Massachusetts Avenue, Troy, NY 12180 or fax to 268-5733, email pcrowson@setonhealth.org Visit us at www.setonhealth.org

Transcriptionist Opportunities
1st and 2nd shifts. Scheduled hours can be flexible. One year experience or equivalent training required. Must have knowledge of medical terminology, anatomy and physiology, grammar, spelling, and punctuation. Home-based option. Job description and application available on-line at www.trinityqc.com or E-mail resumes to: gomez-holstv@trinityqc.com

Transcriptionist

Acute Care MTs with 4+ years experience for 2nd, 3rd and Weekend Shifts.
100% Internet based system using PrecyseNet software. Easy to learn. Stout computer setup supplied at no cost to full-time MTs.
Must have Internet connection, which can be dialup, DSL, Cable and
Satellite. Dialup connection must be at 36k or better to perform in our
environment.

Competitive line rate. Employee region. No ICs. Full aid package.
Generous PTO, 401k with match. Weekend Shift paid at 10c
Precyse Solutions
555 Sun Valley Dr., Ste A3
Roswell GA 30076 USA
Phone: (800) 319-0558
Fax: (800) 349-5772
Contact Email: klarrimore@precysesolutions.com
URL: http://www.precysesolutions.com
Contact: Kim Larrimore

Move Agents
Experienced. Soar leads provided. Work from home. Fax your resume to: 401-780-0905.

Tutors
Salary $20-$40 per hour, depending on experience. Tutors in all subjects needed. Work from home. Training available. Send letter of interest to: InfoNet, 179 Hoover Avenue, Concord, NC 28025.

Typist/Transcriptionists
Home Based (2nd or 3rd shift – Monday/Friday includes weekends).
Requirements: High school graduate or GED. Medical terminology well-behaved. Ability to type at least 65 words per minute accurately; ability to detect discrepancies in medical terminology and accurately transcribe dictation via dictating equipment with some knowledge of word processing equipment. Ability to use good sentence structure without changing the thought of the author of the reports. Send resume to: Athens Regional Health Services, Inc.,1199 Prince Avenue, Athens, GA 30606.

Typist/Transcriptionists
Work from home, while having the professional support of a leading
transcription company. Work types assigned by skill level. Flexible work hours and competitive earning potential. Requirements: 2 years
transcription experience, excellent computer skills. Email resume to:
Commonwealth Transcription Systems, LLC Commonwealth@snet.collect or mail
to: PO Box 592 Customary Saybrook, CT 06475.

Typing/Transcriptionist
Work at home.Experienced with foreign accents top-notch. Good typing
skills required. Please send resume to: PNR Transcription and Associate, P.O. Box 148, Swartz Creek, MI 48473.

Typing/Transcriptionists
Work from home. Flexible Full or Part-time opportunities available. Prior experience in the Medical Records preferred. Send resume to: Seton Health, Human Resources, 1300 Massachusetts Avenue Troy, NY 12180

Typist/Transcribers
Work at home, part-time. Must have 2 years minimum experience. Excellent pay. Send resume to: OmniScribe, 13010 SW Watkins Ave, Tigard, OR 97223.

Typists
Work at home using own equipment. 2 years experience required. Benefits available after 3 months. Send resume to: P.O. Box 90453, Burton, MI 48509.

Virtual Office Staff
We are seeking associates who have the expertise to cover a wide variety of business tasks or projects such as detailed research, analytical and administrative tasks, business plans, and policy and procedure manuals. We gaze individuals who can manage or develop projects, create marketing plans or public relations campaigns. We also need workers to respond to e-mail or voice mail for our clients. Please apply online:
https://www.myvirtualcorp.com/associates/applyform.asp

Virtual Assistants
$300 weekly. Travel company needs national work at home staff for
virtual telephone support positions. 20 hours per week. Send resume to Jem World Travel, 117 1/2 South Main Street Findlay, Ohio 45840

Voice Talent
Do you have a big grunt? Professional advertising agency seeks voice
talent to produce radio, TV and video work. Seeking reliable, experienced voice pros for on-call freelance work Monday- Friday. Send demo-tape to: Cox Rasmussen & Company, Attn: Audio, 2830 F St., Eureka, CA, 95501-4423.

Web Designers and Graphic Designers
Great opportunity for graphic design/web obtain professionals to perform freelance work. Graphic designers must be proficient with Quark and Photoshop (Illustrator a plus) and will be developing direct mail brochures. Web designers must be proficient with Dreamweaver and Flash. Work from your home. Must have access to a MAC. Send resume, 2-3 nonreturnable samples, description of graphic design/desktop production experience and references to: PF, National Seminars Group, PO Box 2949 Shawnee Mission, KS 66201

Web Desginers, graphic artists, copywriters, verification auditors
Web-Erectors.Com,
PO Box 3822
Quincy, IL 62305-3822
ATTN: Personnel

Word Processors
$8.00 to $12.00 per hour. Home based, full-time for Verbatim Transcription. Successful candidates need PC with e-mail, 80 wpm accurately. Also seeking Spanish translators. Fax resume and cover letter to RST at: 206-217-9507.

Word Processing
All Purpose Typing Service, 1550 McDonald Ave, Brooklyn, NY 11230. Needs word processors of reports and theses, etc. Must have knowledge and experience with Word Perfect and Paradox. Send resume to apply.

Word Processors
Earning based on production $8-$12/hour. Home Based, full-time, for verbatim transcription of interview. Successful candidates need a PC with email; 80 wpm accurately; related experience. Fax resume and cover letter to: 206-217-9507.

Writers, Editors, Express Managers
Several editorial positions available for publishing season at most
comprehensive holiday-related magazine on the Internet. Please visit
http://www.mymerrychristmas.com/about/2000a02.html or send email to
editor@mymerrychristmas.com for more information.

Writers
Business publication looking for freelance writers with knowledge of small business and women business issues. Fax resume to: 973-275-1626 or mail to: CBJ, PO Box 178, South Orange, NJ 07079.

Writers
Feature/trends and primary writers in religion, music, performing and
visualarts. Experience, e-mail capability, references and published clips required. Send information to: Naples Daily News, P.O. Box 7009, Naples, FL 34101

Writers
Freelance. Good pay, genuine news and features assignments for best read newspaper in construction industry. Send resume, 2 clips to: Construction Equipment Guide, 470 Maryland Dr., Ft. Washington, PA 19034 Attn: Freelance.

Writers, Editors, Notify Managers
Several editorial positions available for publishing season at most
comprehensive holiday-related magazine on the Internet. Please visit
http://www.mymerrychristmas.com/about/2000a02.html or send email to
editor@mymerrychristmas.com for more information.Telecommuting Jobs

Writers
Freelance Writers sought for award winning Environmental quarterly. Send resumes, clips to: Environment New Jersey, PO Box 157, Stirling, NJ 07980

Writers
Business Journal is excepting applications from freelance writers. Send your resume, shroud letter, and clips to: The PBJ, attention: Nisha Lunia, Special Reports Editor, 400 Market St., Philadelphia, PA 19106.

Writers
Powerprose Writers
16 East Main Street
Southborough, MA 01772
Phone: 508-303-2418
Fax: 508-303-8520

Writing
ChildAuthor.Com started as a simple craft site for children. It is
quickly evolving, thanks to many great writers, to a literary site for kids. We are expanding our topics to include articles ranging from crafts, to poetry, to short stories and science. The pay rate is .05 cents per accepted, edited word. Length ranges by topic. For example, craft articles may only have 30 words where a short story
may be 1000+. It is strongly recommended that you sign up for the newsletter, as we have a hard time accepting articles from writers that don’t read what they are writing for. Send full articles and short bios via email. Visit the site for additional guidelines. Visit the site for additional details. admin@childauthor.every1.net

Writer
$50 to $100 per sage. Writer wanted for varied assignments. Financial, Real Estate, Architecture or Engineering. Also Publicist Freelance $15 per hour as needed. Fax resume and one writing sample to: 973-691-8830.

They’re the Geico Cavemen. Typical urban thirty-somethings. Indistinguishable from their modern peers were it not for those brows, that hair and, of course, the beef they have with the insurance company that made them notorious.

Actor Ben Wilson was in the second Caveman commercial. He played a cromagnon who indignantly stands and asks his roommates if they heard the Geico pitchman’s latest insult.

I caught up with Wilson at Miyagi’s on Sunset for a brief chat.

“You don’t actually look distinguished like a caveman.” I say as we get settled in.

Wilson has a short, dirty blonde haircut and a prominent jawline, but to describe him as a neanderthal is definitely a stretch.

He flashes an appreciative grin, revealing smooth, white teeth.

“Thanks, but I smell flattery.” he says. “I’m quite caveman-ish. People say I have a flat face. Which is true. My forehead is so thick that it has corners at the top.”

“Is something like that an advantage at auditions? “

Wilson laughs, a little self-conciously. “Well, fortunately nobody really notices.” he says. “But I’ve got a lot of hair, too. A Forty-Niner beard. Not like Jerry Rice, like the California gold diggers with the mules who turn up on Scooby Doo…”

“I bag the narrate.”

“My beard engulfs the bottom two-thirds of my face beautiful quickly if I don’t continually cut it off at the base.”

“Kind of like kudzu.”

Wilson laughs. “Yeah, and my face is Atlanta.”

Wilson played a pirate in the original “Pirates of the Caribbean” movie, which mentioning his beard reminds him.

“My beard is so impossibly wooly that on the set of Pirates, one amazed makeup lady told me it was the best fake beard she’d ever seen. My hair is brown, but my beard is red so I can view why she thought that. I didn’t tell her it wasn’t a groundless, though.”

Wilson and I order the buffet and some tea. Wilson seems to have a thing for buffets. It gives him a chance to stack his plate with various tempuras and gyozas.

“So, how did you land this caveman gig? ” I ask.

“I auditioned at Ross Lacey Casting and I was one of the five cavemen they cast. I don’t know how many other people auditioned. They don’t tell you that kind of thing. For all I know I was the fifth caveman selected from five auditionees.”

“Was there a casting couch? “

“Y’know, now that you mention it, there was. All the creative people and the product people were sitting on it. It was a big brown low number. It might’ve wrapped around. I don’t remember. I do remember that on the table in front of the casting couch, there was a Roman-Feast-sized pile of food. It was so high that they had to have TV monitors so they could seek my audition even though I was only seven feet away from them.”

“Did they make you wear the caveman makeup on the casting couch? “

“Though everyone was very pleasant, I was never invited to join them on the couch. Maybe I should have venerable cologne…or bathed sometime the week before that call aid.”

“Who were some of the other cavemen you worked with? “

“Mammoth guys, all of them. Ben, John, Jeff and Joe. Two Bens including myself and three guys whose names begin with J.”

We both occupy a second to marvel at this coincidence as a waitress delivers a bottle of sake to our table. Wilson tells her “arigato”. She bows and leaves.

“How did you prepare for the role? ” I ask.

“”They made them contemporary cavemen. I didn’t have to transform myself into an actual caveman by say… going into the wilderness to spear a bear. My hat goes off to the inventors of the station for not making me have to do that. Geniuses.”

“What was it like to wear the makeup? “

“Awesome! I kept asking myself where were these guys when I was getting ready for Prom. It was spruce fun and like wearing nothing at all. The only thing they had to do was apply a little facial prosthetic.”

“What did they add? “

“Fairly minor stuff. You know, just a completely new face and head structure including forehead, nose, cheekbones, jaw, stuff like that…”

He takes a sip of his sake.

“Deceptive teeth…” he continues. “A wig, a fake beard. I gotta say, seriously, the makeup and special prosthetics guys are also geniuses. Tony and Vance and all those guys. They’re “amazers”…they will literally amaze you.”

“So it was a relatively painless procedure? “

“They had to spread glue all over my arms and legs and feet and hands and chest with runt butter knife things, like I was a enormous unruffled untoasted English muffin, then they stuck lots and lots of hair to the glue. It wasn’t painful, but it was amazingly itchy. I looked awesome, so it was worth it.”

“How long did it take to achieve on? “

“Not too long. The make up guys are smart nice and the time just flies and the next thing you know, “ZOW!” you’re a caveman.”

The Geico Cavemen are noted for their urban-coolness, attending swank parties in condos overlooking West Hollywood, ordering roast duck with mango salsa, scheduling therapy sessions while music by Royksopp soundtracks their day-to-day coming and going. So it’s no surprise that Wilson carries himself in the same way.

“The jacket and shirt are thrift store.” Wilson says.

Of course the thrift stores in Los Angeles are filled with a few more buried treasures than those in other parts of the country. The shirt is a nice dress shirt with unfastened French cuffs and the jacket is tailored with blue pin stripes. I notice his shoes, which are a pair of white crocs.

“Is this the kind of ensemble your character would wear? ” I ask.

“I actually got to wear these Zodiac brand three-tone top-sider-boat-shoes which I could never have afforded when I was in high school when they were really frosty. You remember those? “

I nod.

“Yeah, so that was like another kind of perk. I took a little moment while they were setting up a different shot, to fantasize that I was back in high school strolling down the hall in those Zodiacs with all this manly hair everywhere and totally turning the heads of all the ladies. Students, teachers, student teachers. Everyone. Mothers, secretaries, the kitchen cooks. All these ladies drop everything to catch a glimpse… and nod approvingly.”

“ABC just said they’re going to pick up the Caveman sitcom.” I say.

Wilson nods. “I’ve heard that it’s out there, but I’m not in it. Everybody’s been calling, asking if I’m in it. And they’re all excited and I have to shoot down their hopes. It’s tough, but tough is a main part of tough love.”

“Are the Geico Cavemen ready for Prime Time? “

“I sure hope so…” Wilson says with a smile. “And I hope that they can have a cousin in some of the shows and that cousin can be played by me. It’s a brilliant understanding and it’s struck a nerve. Thinking back I can’t believe I got into it at all. I couldn’t be luckier.”

A brief side note. It would appear that none of the unique commercial actors were called upon for the sitcom. As so powerful of the appeal of the Geico Cavemen is in the charisma of the original performers, one has to wonder about the wisdom of the show’s producers to recast. We shall see…

While the terms are thrown around to people like they’re the same thing, they aren’t. The differences, while small, are important to know.

AGENT
An agent is a term used when a person can legally represent an insurance company, and sells or services insurance policies for the company. There are two basic types of agents-captive agents and independent agents.

Captive Agent
This term is usually used when an insurance agent represents one insurance company. Even though the captive agent represents one company, that company might have lots of other companies.

For example, Status Farm Insurance(R) has several different companies and they all have the “State Farm” name as a part of their name. This is not always true; a company can have many companies under it and not share the same name at all.

Another example is Farmers Insurance (R). They sell insurance under many different names, including Farmers Group Inc., Fire Underwriters Assoc., Fire Insurance Exchange and Mid-Century Insurance Company. The name “Farmers” isn’t even a part of some of their names.

Independent Agent
This agent has contracts with multiple insurance companies, not just one (or perhaps two). Many times an independent agent is referred to as a broker because they do represent more than one company so they can “shop around” for the best deal on insurance coverages.

Using the Chubb Group of Insurance Companies, they have many different insurance companies under their control. Here are just two to give you an example: Federal Insurance Company and Great Northern Insurance Company. None of these has “Chubb” in their name, but they’re all share of the Chubb Group.

Independent agents usually deal with many different insurance companies to give you the most bang for your buck! But, it’s equally distinguished to remember that while independent agents can represent many different companies, few if any represent all insurance companies!

BROKER
http://dictionary.reference.com/browse/broker
Another person in the insurance marketplace is a broker. According to dictionary.com, a broker can be defined as, “a person who functions as an intermediary between two or more parties in negotiating agreements, bargains, or the like.”

If it sounds familiar, that’s because it’s very close to the definition of an independent agent, as listed above. Many people exhaust the terms “broker” and “independent agent” interchangeably and that’s ok.

Brokers also work with very vast companies, such as those on the Fortune 500 list. They can usually approach any insurance company to find out about insuring that very, very big company. Instead of being paid a commission, they may simply charge a fee for their services. But this isn’t practical for the average company.

Regardless of whether you occupy insurance from an agent, captive agent, independent agent, or broker, that person is paid a commission based upon your policy. Now you know the difference between agents and brokers! When you’re shopping around for insurance, you can ask which companies someone represents so that you are sure to get quotes from several different sources when looking for coverage.

Sources:
Dictionary.com: www.dictionary.com/broker
Farmers Insurance: www.farmers.com
State Farm Insurance: www.statefarm.com
The Chubb Group of Insurance Companies: www.chubb.com

The San Diego Riverwalk Golf Course, which opened in 1997 and was designed by Ted Robinson Sr., is built along the scenic San Diego River, and the river plays a large section in the layout of the golf course. Riverwalk is the only one of the San Diego golf courses that features twenty-seven holes that are par seventy-two. Created out of three nine-hole courses, San Diego Riverwalk Golf Course abounds with water. Water is used on half of the twenty-seven holes, and a beautiful waterfall is featured on the signature hole of the course.

Earlier in its history, this southern California public golf course was known by several different names. In the 1960s the course was known as the Mission Valley Country Club, and later was called the Stardust Country Club before achieving its current name. In years past, San Diego Riverwalk Golf Course has been the host for the Farmers Insurance Open, which is part of the PGA Tour, although it was formerly known as the San Diego Open. From the 1960s until the 1980s, celebrity Andy Williams hosted this accepted event.

In addition to the San Diego Riverwalk Golf Course, many golfers also spend quality play time at other San Diego golf clubs and San Diego public golf courses. Popular san diego golf clubs include the lovely Vineyard at Escondido. Here you will experience a scenic layout that winds through acres of verdant wetlands with stunning mountain backdrops. Lush, rolling fairways meander along wildlife preserves. One of the popular San Diego public golf courses is the Lomas Santa Fe Country Club, With eighteen holes and rated at par seventy-two, many golfers be pleased the amazing views of the Pacific Ocean while playing the wide fairways and trying to stay clear of the bunkers. Child care is available here, as is a fitness facility, jacuzzi, spa, sauna room and swimming pool, so that the entire family will have an active time here.

Book golf course tee times at these and other top San Diego golf courses easily online.

Last winter I had a runt accident with our minivan. There was ice on the road that I didn’t’ glimpse and I went sliding off the road and down an embankment. I might have been killed, but a tree had broken my fall. The tree wasn’t very big, but if it wasn’t there, the car would have gone further down the embankment and I would have gone into a stream. It was a good ways down. Anyway, I was rescued by a motorist who saw me go off the road.

I called Geico and the operator was splendid and courteous. Within hours the car was removed from where I went off the road and loaded onto a wrecker truck. I called Geico, and the operator I talked to was very helpful. Within several hours an agent inspected the vehicle and took pictures of the damage. The frame was bent on the minivan, so the vehicle was totaled. Geico handled our claim so quickly that we had a check within a week. We were able to out and purchase another vehicle.

I would highly recommend Geico insurance company to anyone who is shopping around for insurance. Their rates are very competitive. They will give you a quote from their company as well as other companies. I also like that you can talk to an operator any time, because their customer service department is launch 24 hours. Just out of curiosity, I talked with a friend of mine that owns an insurance company. He gave me a quote, and I told him I was paying distinguished less than his quote. He told me to stick with the company I am with, because I am getting a great deal.

So, when you see the funny slight commercial about Geico. You can believe what it is saying about Geico. I saved $200 a year by switching. I am so glad that Progressive cancelled us and we tried Geico! It is so simple, even I can do it.

Since the later part of the 1990s, Chile has gone to liberalize and reform its already open investment and trade regimes. It is coping with the demands of having free trade agreements with countries from different parts of the globe. Along this line, this paper details Chile’s macroeconomy with special focus on international trade. The first part of the paper presents an overview of the Chile economy, which has experienced significant economic growth in the past few years. The second part briefly tackles the export-import activities in the country. The third part discusses Chile’s major trading partners – the United States, Canada, Mexico, New Zealand, and South Korea.

The fourth section delves into Chile’s trade policies, their objectives, the major trade laws and regulations in the country, Chile’s participation in the World Trade Organization, tariffs as a principal trade instrument, bilateral initiatives, and cross-regional trade agreements. The final part of the paper tackles some foreign trade barriers. Overall, this paper finds that, despite the experience of Chile as one of the more competitive trading countries in Latin America, it needs further improvement regarding import policies, export controls, government procurement, smart property rights, and labeling, testing, standards, and certification.

Chile Economy: An Overview

With its high level of foreign trade Chile’s economy is characterized as market-oriented. Chile’s economic reform strengthened even more when the democratic government took over from the military in 1990. The country experienced high economic growth in the early 1990′s but due to the tightening of monetary policies (implemented to keep recent account deficits in control and lower export earnings) it went to half that in 1998. This was also caused by the financial crisis’s that were occurring globally. In 1999, their economic growth slowed yet again due to a severe drought that lowered prick yields and hydroelectric energy. With exporting markets growing and the brand of copper going up Chile started to recover in the year 2000.

Chile, with its lifted trade restrictions and reduced tariffs, has become known for its free market economic policies. It currently has the highest rating available by the International Monetary Fund for the absence of the trade restrictions. In order to diversify is economy the country has realized the need to expand its international trade and financial ties with other major trading nations. Foreign companies are allowed to own 100% of the company located in Chile.
The central bank has stopped the dollarization of the peso to the U.S. dollar as of 1999. Although the peso has declined about 20% since this action was implemented the foreign reserves remain strong. This economic strength supports the steady inflow of unrestricted foreign capital. Even though the economy on a global scale has been declining, Chile has grown. The central bank of Chile has managed to preserve inflation between two and four percent.
With the economic growth, the country is experiencing, Chileans are now enjoying new financial opportunities. These opportunities include home equity loans, currency futures and options, factoring, leasing, and debit cards. Along with these new products, loans and credit cards are becoming increasingly more popular. With assets worth about $54 billion, Chile’s private pension plan is an well-known source of investment capital for the capital market. Chile currently has one of the best credit ratings in Latin America.

Real GDP growth between the years 1991-1997 was estimated at about 8%, but plunged to 4% in 1998 as a result of tight monetary policies executed to keep the current account deficit in check (CIA World Factbook). This was also because of lower export earnings, a result of the international financial crisis. In spite of the impacts of the 1999 recession due to the global economic slowdown which was worsened by a drought affecting crop yields and resulting in hydroelectric shortfalls and rationing, Chile sustained its status for sound policy and strong financial institutions that have accorded it the strongest sovereign bond rating in Latin America. Towards the end of 1999, Chile’s economic activity and exports was on the road to recovery. In the period 2000-2007, economic growth ranged between 2%-6% (CIA World Factbook). Figure 1 below shows Chile’s GDP per capita from 1945 to 2003.

All through these years, the country sustained a low rate of inflation; GDP growth came from growing domestic consumption, solid export earnings (especially mining, fishing, and forestry), and high copper prices. In 2006, President Michelle Bachelet led the establishment of an Economic and Social Stabilization Fund aimed at holding excess copper revenues in order to own social spending during periods of copper shortfalls. It was expected that this fund would exceed $20 billion by the closing of 2007 (CIA World Factbook).
Unemployment went beyond the country’s usual 4%-6% range during the recession and has since remained in the 8%-10% range. Unemployment dropped to 7.8% and 6.7% at the end of 2006 and 2007, respectively (CIA World Factbook). However, despite recent labor problems, wages have risen faster than inflation in the past few years due to higher productivity, which boosts national living standards. Figure 2 illustrates inflation/ unemployment in Chile (1999-2005 annual rates).

The foremost objective of the Central Bank of Chile is to maintain a moderate inflation level. December-to-December inflation in 1996 remained at 8.2%, dropping to 6.1% and 4.7% in 1997 and 1998, respectively. In 1999, during the recession, the inflation rate dropped to only 2.3%. Most spending decisions and wage settlements are indexed, lessening inflation volatility. In 2000, the inflation rate was 4.75% (CIA World Factbook).
Total private and public investment in the country has remained high in spite of modern economic difficulties. The Chilean government sees the need for private investment to improve worker productivity. The country also strongly encourages diversification, including non-traditional exports such as fish, wine, and fruit to lessen the relative importance of basic weak exports like timber, copper, and other natural resources.
Chile attracts foreign direct investment (FDI), and most foreign investment goes into mining, electricity, water, and gas. The country’s welcoming and friendly attitude toward FDI is codified in its Foreign Investment Law, which provides foreign investors the same treatment as Chileans. Basically, registration is transparent and simple, and foreign investors are given access to the official foreign exchange market to send befriend their capital and profits. In May 1999, Chile’s Central Bank decided on the elimination of the one-year residency requirement on foreign capital that enters Chile under the regulations of the Central Bank, generally for portfolio investments.

Total FDI flows in 2000 contracted to 3.6 billion dollars, down from 9.2 billion dollars in 1999 and 4.6 billion dollars in 1998. The 2000 figure is about 13% of GDP. In the same year, Chile had an outflow of 1.4 billion dollars. This was largely due to diminished inward foreign investment and heightened levels of Chilean direct investment abroad (4.8 billion dollars) (CIA World Factbook).

Among the various sectors of the economy the percentage share of the services sector in the total GDP is the highest. It was 56.6 as in the year 2004. Chile’s important industries are textiles, cement, transport equipment, wood products, foodstuffs, iron and steel, fish processing, copper, and other minerals. The percentage share of the industrial sector in the year 2004 was 34.5 compared to 40.5 in 1984. The services sector in the country is improving in the recent years. The percentage share of the services sector in the total GDP as of 2004 is 56.6. The following diagram shows the percentage section of the various sectors of the economy in total GDP over the years (Economy Watch).

Source: Economy Watch

Import-Export

The major agricultural products of the country are wheat, corn, grapes, sugar, potatoes, fruit, beans, beef, poultry, wool, fish and timber. The percentage share of the agriculture in the total GDP as of the year 2004 has reached at 8.9 as in 2004. The country has experienced both the trade surplus as well as the balance of payment surplus over the years. Figure 4 in the next page gives a clear picture upon the levels of imports and exports in the country.
In 2007, it was estimated that exports reached 66.43 billion dollars. The major export partners of Chile are the United States (15.6%), Japan (10.5%), China (8.6%), Netherlands (6.7%), South Korea (5.9%), Italy (4.9%), Brazil (4.8%) and France (4.2%). Major export goods are wine, chemicals, paper and pulp, fruits, fish, and copper. The Chilean government encourages the export of non-traditional export products to guarantee diversification and limit dependency on export products. Traditional items include natural resources such as timber and copper and non-traditional export goods include fish, wine, and fruit. Non-traditional export items have far exceeded the aged ones in terms of growth (CIA World Factbook).

In the same year, Chile imported about 41.8 billion dollars worth of goods. The country’s major import partners are the United States (15.6%), Argentina (12.6%), Brazil (11.8%), and (China 9.7%). The following are the primary imported products: natural gas, vehicles, industrial machinery, electrical and telecommunications equipment, chemicals, and petroleum and petroleum products (CIA World Factbook).

Trading Partners
The country’s export markets are fairly balanced North America, Latin America, Asia, and Europe.

Since 1991, Chile has entered FTAs with a number of countries such as the United States, South Korea, Mexico, Canada, Central American nations (Nicaragua, Guatemala, Honduras, El Salvador, and Costa Rica), the European Union and the European Fair Trade Association (EFTA). This shows that Chile has trade access to more or less half of the world’s GDP. In addition, Chile is currently holding free trade negotiations with Singapore and Unique Zealand and plans to negotiate with such economies as Japan, China, and India. Moreover, Chile is also a member of many international economical instances, such as Asia-Pacific Economic Cooperation (APEC), Organizzazione mondiale per il commercio (OMC), and Mercado Comun del Sur (Mercosur). Such diversity of trade relations makes the Chilean economy non-exclusively dependent of any major partner, providing stability.

United States

The meeting of minds between the United States and Chile has resulted in a long awaited union relating to free trade. Chile was enthusiastic when presented with the prospect to become a part of North American Free Trade Agreement (NAFTA) in 1994. However, the merger did not advance to completion due to the declare of presidential fast-track trade negotiation authority. Now, after negotiations began in the 2000 — Chile and the United States have come to their own agreement pertaining to free trade, one that is both comprehensive and historic in nature. The Chile-United States FTA was signed on September 3, 2003 and came into effect on January 1, 2004. Chile was the first Latin American country to sign FTA with the United States.

The benefits of an FTA for the United States are significant. One of the major factors in the Chile-US FTA is that Chile has FTAs with the European Union and Canada, two of America’s major competitors. It is estimated by the National Association of Manufacturers that, because of the lack of an FTA with Chile, US exporters lost about $800 million in sales in 2002 (Ferrer and Segatore 1). An FTA will help to ensure that we luxuriate in market access, treatment, prices and protection at least as good as our competitors. Consumers will benefit from lower prices and more choices. With an FTA with Chile, the United States will strengthen its competitive site (Ferrer and Segatore 1).

One of the instant benefits of the Chile-US FTA will be the quickly removal of tariffs on industrial goods. Over 85% of bilateral trade in consumer and industrial products became duty-free as soon as the FTA came into force (McDougall 1). The FTA will remove tariffs on services and goods, over a twelve-year period for agricultural goods and a ten-year period for industrial products. Chile’s luxury tax on cars has been phased out, and it is expected that the number of automobiles subject to the tax dropped quickly following the implementation of the FTA. Immediate duty-free access includes paper products, wood, medical equipment, computers and other information technology (IT) products, cars and automotive parts, and heavy equipment and machinery.

Service providers will be benefited in the Chile-US FTA. More to facilitating market access, the trade agreement contains provisions to accomplish sure that the following are realized: publication of all regulations; provision of advance comment and notice periods for proposed rules; discussion with concerned parties before the issuance of regulations; and the use of transparent and open administrative procedures by the regulatory authorities. Although commitments to enhance market access are applicable to almost all service division, the agreement between Chile and the United States includes special provisions pertaining to e-business, telecommunications, and financial services (McDougall 1).

The Chile-US FTA also expands America’s access to bigger markets in Latin America including Brazil and Argentina, which already have FTAs with Chile. One of the most significant benefits of the Chile-US FTA is that it creates a predictable and accumulate proper framework for American investors in Chile. Considering the stable economic and political environment of Chile, this makes a conducive environment for US businesses (Ferrer and Segatore 1).
According to Christopher Padilla, Assistant US Trade Representative, Intergovernmental Affairs and Public Liaison Petite and medium-sized enterprises will benefit from the tariff-eliminating provisions of the Chile-US FTA. In the past few years, American companies have confronted heightened competition from Canadian and Mexican firms who already reaping the benefits of their FTAs with Chile. Additionally U.S. small businesses will substantially benefit for the progressive agreements on transparency in law, customs facilitation and intellectual property rights protection.

Another serve for American exporters is the abolition of Chile’s notice bands on such staple goods as sugar, edible vegetable oil, wheat, and wheat flour. In addition, special provisions in the trade agreement will also assist protect American ranchers and farmers from the rush in imports from Chile that the agreement may bring about. The following are the major farm products seen to benefit from enhanced market access: processed foods, feed grains, potatoes, durum wheat, soybeans, pork and pork products, and beef and beef products (McDougall 1). Tariffs on wine will be equalized with the current United States tariff rates and then phased out.

The Chile-US trade agreement will bring about many other benefits, such as protection of environmental and labor standards, provisions for temporary entry of personnel, and government procurement guidelines. The pact also contains up to date, high-level intellectual property protection, like trade secrets, trademarks, patents, copyrights, and strong measures to combat counterfeiting and piracy. Investors in the United States are permitted to compose, fetch enjoy of, and control investments in Chile on the same footing with the Chilean investors in nearly every circumstance; this is in addition to receiving expropriation rights and due process protection.

The FTA is a victory for the Chilean government. More than 1,900 Chilean firms, almost half of which are small and medium-sized enterprises (SMEs), sell their products to the US. The evident benefits these firms, and other exporters in Chile, reap from an FTA with the US, the world’s economic and political superpower is massive. For one, the country will gain even more global reputation than it already has. This status will result in the lowering of its risk rating; as a consequence, interest rates will be depressed and the country will attract more investments from many countries around the world. Chileans will also be able to have much cheaper and better technology, providing them an enormous advantage over their competitors. An imperative term for Chile is that the American government allows 1,400 Chilean professionals to enter the united States every year, as compares to only 200 in 2002 (Ferrer and Segatore 1).

Chile’s labor force is well trained, innovative and productive. Democratic administrations in Chile have understood the link between education and successful development. They have consistently invested in an expanded kindergarten-through-adulthood learning system. Furthermore, Chile’s innovative and widespread private-pension fund system provides workers with long-term financial security and stability. This is why the United Nations has recognized Chile as one of the world’s “High Human Development” countries. Chile’s modern infrastructure, private telecommunications network, Internet penetration and high level of economic freedom provide for efficient, low-cost distribution channels and communications with the United States and Latin America. The Economist ranking of e-business readiness placed Chile ahead of the rest of Latin America in this area.

Chile has been the best-managed economy in Latin America, and the fourth fastest-growing in the world over the last decade and its growth continues. Chile is a symbol of economic and social progress and has surpassed numerous developed countries in international indices that measure the success of nations. Chile’s democracy is solid, accountable and growing stronger. Its commitment to human rights, including worker rights, and to a free society under the rule of law is unwavering. Chile is also committed to sustainable development and environmental protection.

Chile shares America’s political and economic values and supports freedom at home and abroad. It has been a great supporter of U.S. foreign policy initiatives in the Americas and around the world, including the concern to combat terrorism following September 11, 2001. The completion of the Chile-US FTA underlines the United States’ intent at negotiating and concluding trade agreements with Latin American countries, opening the door for future FTAs within the region. At present, the US is involved in negotiations for the Free Trade Area of the Americas (FTAA). While the American government considers the special state of affairs of each country with which it negotiates FTAs, the high standards and the broad scope of the Chile-US FTA should wait on additional investment and trade liberalization in the Latin American region and help in setting the tone for future FTA negotiations (McDougall 1).

Finally, the Chile-US FTA will improve the already finish commercial relationship between Chile and the United States. The FTA will be very positive for the assimilation of the hemisphere (Ferrer and Segatore 1). The agreement provides another model for an FTA between the United States and small countries. As Chile has an FTA with the majority of economies in Latin America, it could possibly increase and improve trade between the United States and these countries. Considering these factors, the Chile-US FTA represents an advancement for negotiating an FTAA. Overall, the Chile-US FTA is a win-win situation for both countries.

Canada

The Canada-Chile FTA was signed in Ottawa in 1996. Included in this agreement are two parallel accords on labor and environmental co-operation, patterned after the NAFTA side agreements. One of the major features of the trade agreement is the elimination of Chile’s 11% import duty on virtually all remaining resource-based and industrial goods over five years and the immediate duty-free access for 75% of Canadian exports. Another feature is the improved access for a variety of agricultural goods. For instance, tariffs for durum wheat, representing 35% of exports in this sector, would be eliminated instantly (Government of Canada 1).

The agreement also put into place a significant new protection for Canadian investments in Chile, which included an agreement to award Canadian investors the benefits of any future liberalization. It also included an undertaking to negotiate a bilateral double taxation agreement. The Canada-Chile FTA also created a Free Trade Commission and secretariat to guarantee the effective and timely resolution of disputes. In addition, Chile and Canada had side agreements regarding labor and environment, the first of this kind ever signed by Chile. Under these agreements, Canada is allowed to actively participate in the further modernization of Chile’s environmental and labor practices and laws; Chile does not have agreements of such nature with any other country.
The two countries also agreed on the mutual elimination of anti-dumping duties. Chile and Canada agreed to exempt supply-managed products and cultural industries and fully protect health and social services. Moreover, Chile and Canada also signed an accord on social security envisioned to guarantee continued coverage when Canadian employees work in Chile. This allows Canadian employees to stay away from having to pay into the Canada Pension Plan and its counterpart in Chile. The agreement will also enable Chileans now residing in Canada to receive Chilean pensions.

Chile and Canada expected that the CCFTA would boost trade. The Canadian Embassy’s senior trade commissioner in Chile, Sylvain Fabi, describes the agreement as “completely successful”. Likewise, the website of International Trade Canada views CCFTA as a success story. However, the figures from the Chilean foreign ministry and Statistics Canada reveal a different record. Since the agreement was implemented, Canada’s exports to Chile have hardly improved. In 2005, Canadian exports had amplified only to $411 million, compared to the $388 million increase in 1995.Additionally, trade in services presents an especially deplorable picture, decreasing to $159 million in 2004, $13 million less in 1997 (Campbell 1).

Mexico

Among Latin American countries, Mexico and Chile are the most open economies (Cevallos 1). They are the only economies in the region to have signed FTAs with the United States and the European Union. Also, together with Peru, Chile and Mexico are the only Latin American APEC forum members. Additionally, the two countries have agreed to dozens of other free trade accords, including the agreement freeing up trade between Chile and Mexico themselves. The Chile-Mexico FTA was signed in Santiago, Chile on April 17, 1998 and came into effect on August 1, 1999.

Chile’s FTA with Mexico governs various disciplines, which is similar to the Chile-Canada trade agreement. The Chile-Mexico FTA has six parts: (1) general aspects and definitions; (2) trade in goods and matters related to safeguard measures, national treatment, customs procedures, rules of origin, and market access; (3) technical rules such as sanitary rules and phytosanitary rules and other standards; (4) services, investments, and related matters; (5) intellectual property rights application; and (6) institutional and administrative provisions.

Under the Chile-Mexico FTA, sizable part of the tariff table has 100% tariff preference. Only 100 products bear various levels of taxes. Forty two products have percentual tax rebates and 58 products are not. In addition, some goods are subject to quotas, such as automobiles and non-originating apples. The two countries have save into site a strategic association agreement with the purpose of improving trade, cultural, diplomatic, and political relations between them as well as relationships with the civil society. The Chile-Mexico FTA also establishes a fund that will supply $2 million yearly for development projects in Mexico, Chile, and third countries (Cevallos 1)

From the time Chile-Mexico FTA came into effect to 2006, bilateral trade from 1.4 billion dollars to about 3.3 billion dollars, a 130% increase. Furthermore, between 1990, when the Chilean and Mexican governments reinstated diplomatic relations, and 2006, there was an increase of about 2,000%. In spite of this tremendous growth, however, trade with Chile represents not more than 1% of Mexico’s exports and imports, whereas trade with Mexico is equal to 3.2% of Chile’s total trade (Cevallos 1).

New Zealand

As active campaigners and lobbyists for free trade, Chile and New Zealand have concurrently followed unilateral, bilateral, multilateral, and regional trade liberalization (Salazar 5). Aside from far-reaching initiatives towards the unilateral opening of their economies (New Zealand in 1984 and Chile in 1975/1976) and their continued aid for multilateral discussions, since the first half of the 1990s the Chilean and the Original Zealand governments also facilitated negotiations to assess the alternatives for a bilateral FTA.

It was a current option for Recent Zealand after its previous Closer Economic Relations (CER) with Australia. For Chile, it was a second initiative after having negotiated one with Mexico. However, following two preliminary rounds, the Chilean government requested for a postponement of the discussions because of the sustained resistance of its agricultural sector. They believed that New Zealand’s dairy was way too competitive and strong; the bilateral liberalization of the dairy industry could spell disaster to the less efficient and smaller Chilean farmers (Salazar 5).

In 1999, Singapore and New Zealand decided to negotiate their own trade agreement. In the following year, New Zealand, Singapore, and Chile considered setting into place a multiparty study assembly to explore mutual acknowledgment of standards and credentials, and the possibility for a trilateral system for a Closer Economic Partnership (CEP). The “Pacific Three” (also known as P3) was officially raised at the 2000 APEC Summit in Brunei, when Singapore’s Prime Minister Goh Chok Tong, New Zealand Prime Minister Helen Clark, and Chile’s President Ricardo Lagos approved the belief of a broad free trade negotiation concerning the three countries as the first step for an expanded trade and investment liberalization area within APEC (Salazar 5).

Lagos and Clark agreed during the latter’s visit to Chile in November 2001 that the two countries should conduct a study analyzing the possible issues that could take place in the execution of a CEP between Chile and Modern Zealand. In 2002 the studies yielded positive results regarding the possible net economic benefits for Chile and New Zealand in the shape of scientific cooperation and technology transfer, increased bilateral services and investments, and global and regional liberalization. At the time, critics pointed out that the respective studies were only on the surface since they did not note data on the particular gains that were expected from the CEP. However, the CEP is not honest about increasing bilateral flows of merchandise, it is also a structure for joint strategic activities between Chile and New Zealand in third markets (Salazar 6)

Consequently, at the 2003 APEC Summit in Mexico, the three countries – Chile, Singapore, and New Zealand – relaunched P3, an exertion that meant the resumption of the Chile-New Zealand trade talks. However, once again, the negotiation process was delayed and faltered as a result of new pressures from the lobbyists of the dairy sector in Chile. Eventually, following this difficult period, a better understanding between dairy industry producers and processors in Chile and the renewed enthusiasm from the government enabled the bilateral talks to resume (Salazar 6).

There are several good reasons for a Chile-New Zealand CEP (Salazar 21-22). First and foremost, a high quality and comprehensive Chile-New Zealand CEP will contribute improved global trade liberalization in the World Trade Organization (WTO) and will help foster more cooperation within APEC. The CEP can also give each party with some benefits in the trade of products. In the first phase, it should level the playing field and recompense for the trade deviations and trade distortions as a result of the preferential rights that has been already conceded by New Zealand and Chile to third countries in prior CEPs or FTAs. However, for the medium- and long-run, a business-friendly CEP should offer a general structure for an swell of trade services and goods, and for broader economic relationships and extra cross-investments flows among the parties.

In a period of heightening globalization, where science and technology and innovation are making the difference in the improvement of competitive advantages, the CEP can give the generous atmosphere for such small economies to increase their research and development spending by achieving greater efficiencies and avoiding duplication from their limited national resources (Salazar 22). A deeper assimilation between New Zealand, and Chile, will have a positive effect in their respective trade bargaining power and, eventually, in their individual international positioning.

South Korea

In November 1998, the Inter-Ministerial Trade Policy Coordination Committee formally declared that South Korea it was pursuing FTA with Chile. In the following month, the South Korean government formed a team on a Chile-South Korea FTA, which consisted of working groups that covered legal procedures, intellectual property, services, market access, and trade rules (Chung 74). Chile-South Korea FTA negotiations came in three different stages: the pre-negotiation stage (November 1998-September 1999); the negotiation stage (December 1999-February 2003); and the ratification stage (August 2003-February 2004).

Talks for a Chile-South Korea FTA continued, intermittently and discordantly, for nearly three years and in the course of six official rounds of negotiations from December 1999 to October 2002 (Park and Koo 263). One of the major reasons for the delay was the differences on the degree to which agricultural goods would be included in the FTA. In summer of 2000, Chile was irritated when South Korea’s proposal, excluded apples and pears. The negotiation eventually resumed in February 2002. South Korea changed its agricultural liberalization policies and made a proposal that was more in tune with Chile’s request, like lower off-season tariffs to Chilean grapes. In exchange for accepting South Korea’s request to exclude pears and apples, however, Chile demanded that sensitive manufactured items like washing machines and refrigerators be removed from wish list given the local opposition in Chile.
Chile and South Korea wanted to sanction the FTA as speedily as possible (Park and Koo 262). The Chilean House of Representatives, however, did not pass the agreement until August 27, 2003. The inform regarding inter-sectoral complementarity between Chile and South Korea was considered as one of the most contentious points of debate. The structural adjustment expenditures of farming sector were a major source of conflict. While the agricultural sector represents only a portion of the national economy, South Korea’s established attachment to rural areas made many of its citizens sensitive with agricultural protectionism. Nevertheless on February 16, 2004, South Korea’s National Assembly eventually managed to ratify the agreement. South Korea agreed to remove tariffs on Chilean wheat, tomatoes, wool, copper products, and over 200 fish products. On the other hand, Chile got rid of South Korean cars, televisions, air-conditioners, computers, and cell phones.

Overall, there is a marvelous environment for foreign investors in Chile. With this warm welcome, they offer liberal foreign- investment laws and a favorable tax regime. Decree Law 600 was established in 1974, based on promoting non-discrimination between local and foreign investors. This allows foreign investors to operate on the same level as local investors. Foreign investors can have from three to eight years to implement their investment depending on the invested amount of US dollars. In November of 2002, an investment platform initiative was launched by the Chilean Government to serve foreign investment growth. This initiative addresses several incentives to do this type of growth. Exemption from the Chilean earnings tax on profits the firm receives from its overseas subsidiaries is one incentive. This addresses the disclose of three-way taxation (Deloitte Web Guide).

Chile’s Trade Policies

Objectives

The following are seen as the most important objectives of Chile’s trade policy: (1) the stimulation of the competitiveness and efficiency of national producers; (2) the promotion of regional economic cooperation; and (3) the reduction of any existing anti-export bias in the tariff device as well as the reduction of level of effective protection (WTO 14). The Chilean authorities inspect permanent and secured access to international markets, in conjunction with the capability to draw foreign investment, as vital to the country’s economic growth. In this light, initiatives about the negotiation of novel preferential trade contract have been strengthened in the past few years.

Trade Laws and Regulations

The Rules on the Importation of Goods (Law No. 18.525) is the country’s major trade law. Modified and revised many times since 1997, it contains regulations on the price band system, contingency measures, customs duties, and customs valuation (WTO 16).

In addition, the Customs Law, which integrates several former legal instruments, has provisions on import and export procedures. The modification of export promotion programs (Law No. 19.589) provides for an easing out of the Chile’s most favored nation (MFN) tariffs, revising a number of export promotion programs aimed at bringing them to fit with the country’s WTO commitments.

A draft law on miscellaneous WTO-related affairs was accepted by the Congress in August 2003. Its critical objective is to bring different individual conditions of the country’s legislation in tune with the WTO Agreements. Moreover, it also contains regulations pertaining to intelligent property, taxation, technical regulations, and customs valuation. It also provides for notification measures for conformity assessments and technical regulations, and for the eradication of the dispatch tax on products imported duty-free. It also provides for the elimination of the trade-related investment measures in the automobile sector. Moreover, it revises the intelligent property law in Chile through specification of protection for textile designs, data compilations, and computer programs (WTO 16).

WTO Participation

Chile recognized the significance of the WTO as a rules-based body for the multilateral trading scheme at the 1998 Geneva Ministerial Conference. However, it raised concerns about the extensive use of non-tariff barriers to trade. In the following year, at the Seattle Ministerial Conference, the country affirmed its commitment to start markets, arguing that going on with the process of agricultural reform will help alleviate poverty. In addition, Chile also argued that stricter disciplines should be taken up in applying anti-dumping duties. Furthermore, investment issues and competition policy should match with the fresh investment disciplines under the General Agreement on Trade in Services (GATS) (WTO 21).

At the 2001 Doha Ministerial Conference, Chile viewed that clear-cut objectives should be put into place for considerable reductions in the barriers to market access, for a significant reduction in trade-deforming domestic supports, and for the removal of subsidies in exports. Additionally, Chile noted the increasing exhaust and misuse of anti-dumping duties for protectionist reasons and that it should be resolved. Also, environmental measures should be contained within the structure of multilateral disciplines and rules, keeping away from the risks that could result in discrimination and protectionism (WTO 21).

Tariffs

Chile uses tariffs as its principal trade policy instrument. It grants MFN treatment to its trading partners. The applied MFN tariff has dropped from 11% in 1997 to 6% in 2003 (WTO viii). Tariffs are applied at a generally uniform rate. There are exceptions: a handful of agricultural goods (sugar, edible vegetable oils, and wheat and wheat flour) subject to a brand band and system vessels and aircraft, which receive duty-free treatment. The country bound all its tariffs (most at 25%) in the Uruguay Round. Several agricultural products are subject to 31.5% bound rate at the completion of the implementation. Following the slay of the Uruguay Round, Chile pursued Article XXVIII renegotiations for sugar, leading to a boost of the final trot rate to 98%, along with the introduction of the country’s single tariff quota. Reconciling the large gap between bound and applied tariffs would increase Chile’s trade regime’s predictability (WTO ix).

Furthermore, tariff cuts under preferential agreements have contributed to the improvement of access to the Chilean market for partners. Duty-free access is given to the majority of imports from the European Union, Mexico, El Salvador, Costa Rica, and Canada. Preferential market access is also provided within the structure of partial scope agreements. In accordance with the national treatment principle and regardless of their origin, imports are subject to home taxes, most particularly a 18% value added tax (VAT) applicable on the cost, insurance and freight (CIF) value of imported goods. Also, various goods like vehicles, jewelry, and alcoholic beverages are subject to specific consumption taxes.

The expend of non-tariff barriers seems to be limited. For one, there is no import licensing system. Chile also maintains a variety of import prohibitions and restrictions, which equally apply to its trading partners, for environmental protection and health reasons. Chile modestly use contingency measures; at present, it imposes no countervailing or anti-dumping duties. In 1999, the country took on domestic safeguard legislation in 1999 and has since imposed some measures, some of which resulted in requests for consultation in the WTO.

Bilateral Initiatives

While adequate unilateral liberalization is a requirement for a successful trade policy, opening up unilaterally is not sufficient in itself to realize most trade policy objectives pursued. This is primarily because it does not give access to other markets. One of the most effective ways to achieve that objective, in Chile’s case, is through multilateral negotiations. Such option, however, is not always accessible. Likewise, considering the real nature of contacts among many participants with different interests and intentions, talks are likely to be slow and their outcomes do not necessarily fit with the needs and expectations of Chile at all times (WTO 9). Chile and other small countries have a dinky capability to exercise any influence in the resolution of such problems.
Thus, bilateral initiatives are helpful as a complementary means of obtaining significant results more quickly than would be likely at the multilateral level. Trade negotiations under the bilateral framework give an effective substitute when they are implemented with the Chile’s major markets. In the next few years, it is expected that more than 75% of the country’s foreign trade will be conducted tariff-free, suggesting a possible preferential market for producers put into place in Chile. It should be noted that 50 agreements or so for the protection of investments and reciprocal promotion have been concluded, this is in addition to 13 double taxation agreements and 37 air transport agreements (WTO 10).

It is important to note that while the countries with which Chile has negotiated trade agreements differ significantly, it has attempted to continue a certain consistency in its trade negotiations. This means that every new agreement negotiated must be coherent with the existing ones. On top of all, the recently concluded FTAs by Chile generally do not provide for the exclusion of any products. If they do, it is only for a very limited number of products. Trade agreements also have disciplines in the area of investment and services and also in other areas like bilateral dispute settlement mechanisms, transparency, trade defense mechanisms, government procurement, and intellectual property (WTO 9).

The impacts of such bilateral trade agreements go more than just advancing the reciprocal trade conditions. For instance, the increasing importance of a progressively more open trade regime in Chile has resulted in a shift in the country’s productive structure. To some extent, this shift can already be sensed today, a case in point is the use of agricultural land, where the area devoted to forest plantations, vines, fruit, and vegetables, has significantly increased at the cost of grassland and annual crops (WTO 9). This change in production should hasten in the next few years. The Chilean government hopes that the shift will be completely realized in the next trade policy review, which will be in 2009.

All together, these bilateral trade agreements may have significant macroeconomic impacts in that they contribute to the reduction of growth volatility. External volatility will be reduced with export diversification. It will also decrease with the stabilization of capital flows as a result of increased investor confidence in making their investment decisions. These agreements at the domestic level will strengthen the openness policy and the development strategy grounded on the attraction of FDI and exports (WTO 10).

Chile views the FTAA as representing an occasion to discuss on central subjects like investment, services, and government procurement with its Andean Community neighbors and Mecosur. At the moment, Chile has only tariff agreements with the Andean Community and Mecosur under the Latin American Integration Association (LAIA), which correspond to chief destinations for its supply of services and investments.

Cross-Regional Trade Agreements

In the beginning of the 1990s, the additive regionalism approach started to mold Chile’s trade policies. Immediately after President Patricio Aylwin Azocar assumed office, the country became one of the most active countries in Latin American pursuing FTAs. The significance of PTAs for its trade activities has increased since 1997. It has PTAs with the United States, Canada, the European Union, and some countries from Central America. Also, Chile has negotiated PTAs with the EFTA and South Korea. Chile sees that the major motive gradual the policy shift is to ensure market access to its large trading partners.
How and why have cross-regional trade agreements (CRTAs) become a trade policy alternative for Chile over the last decade? The search for expanded or unique market access through investment liberalization and preferential trade is a potent determinant of partner selection. However, it is surprising that there is very little research that provides a consistent and clear rationale for selecting an ideal FTA partner.

Using the viewpoint of neoclassical trade theory, an FTA involving two economies with harmonizing structures of comparative advantage – a labor-abundant and capital-abundant country pair – would tend to promote inter-industry trade, bringing trade benefits in the form of efficient allocation of resources and economies of scale (Krugman and Obstfeld 24) The FTA between Chile and such countries as South Korea, New Zealand, Singapore, China, India, and the EU is apparently in line with the neoclassical prediction. On the contrary, novel international trade theories based on the differentiated products framework imply that economies that have the same structures of comparative advantage are likely to trade more through product specialization grounded on intra-industry trade resources (Krugman and Obstfeld 121). From this standpoint, an FTA involving countries with the same factor endowments would tend to maximize the gains from the trade.

The gravity model provides an alternative elucidation that connects economic size and geographic distance to the option of an FTA partner (Frankel, Stein, and Wei 49). To trim down the costs associated with geographic distance and to make the most of the benefits from economic size, the gravity model implies that neighboring countries structure FTAs with each other, thus establishing a natural trading bloc. Although the establishment of natural trading blocs enhances economic benefits, the creation of unnatural trade blocs between petite and/or distant economies possibly has minor positive impacts (Frankel, Stein, and Wei 149). From this plan, Chile’s FTA with countries from other regions is a characteristic example of an unnatural trading bloc. This is not only because of geographic separation, but also because of the fact that the country’s economy is fairly small (Koo 144).

The gains to particular industries from CRTAs may encourage otherwise unlikely FTAs involving distant trading partners. Nonetheless, the early doubts regarding economic benefits on the one hand and the mixed forecasts of international trade theories on the other hand show that CRTAs do not make convincing economic sense at the early phase of negotiations. Consequently, it can be argued that many economies enter an agreement for instrumental and political, rather than simply economic, reasons.

CRTAs are a major characteristic of Chile’s eagerness for a multi-track FTA approach. From an institutional perspective, it looks like the country’s adoption of FTAs has been molded by a top-down political design rather than just bottom-up demand from the general public and different interest groups. Chile’s motivations to go after CRTAs are very complex. These include leverage/diplomatic, political, and economic motives. Before further establishing FTAs with other trading partners, Chile needs to resolve to pursue strategic FTAs with relatively smaller partners to minimize possible losses and risks and to obtain negotiation skills. It should also consider opening trade policies of other countries and their accumulated experience in FTA negotiations before considering them as trading partners. While Chile has to pay expensive tuition for its learning experience with its trading partners, it will certainly acquire technical know-how and negotiating skills.

Overall, the strategic and economic driver of the political leadership and the new bureaucratic balance of power have played an important role in Chile’s travel toward regional trade agreements (RTAs) in general and CRTAs in particular. As evidenced by its previous and existing FTAs, Chile is trying to strike the right balance between cross-regionalism and intra-regionalism. The country’s CRTAs will in effect strengthen its intra-regional policy goals. Even though its pursuit of FTAs does not essentially mean that it has entirely abandoned the multilateral trading system, Chile’s trade policy departure is becoming increasingly significant and obvious.

Foreign Trade Barriers

Import Policies

There are very few restrictions inhibiting imports and company growth for foreign agency wishing to do business in Chile. Trade regulations and standards that may affect importation to Chile include tariffs, trade barriers, import requirements and documentation, export controls, labeling and marketing requirements, prohibited and restricted imports, and customs regulations and contact information. The Chile-US FTA lifted tariffs on 90% of U.S. exports such as automobiles and parts, technology equipment, construction and agricultural equipment and medical devices. The FTA also states the Chile agrees to phase out its luxury tax on American automobiles. Other luxury goods, such as alcoholic beverages, jewelry, pyrotechnics, and tobacco products are subject to additional taxes. All imports are still subject to the same 19% Value Added Tax that is imposed on domestic goods.

The country’s trade regime provides for the free importation of goods, except for those goods that are banned under existing legislation. Sometimes a potential import to Chile, because of its nature, might be subject to special authorization or oversight by an enforcement agency such as the Directorate for Borders and Limits, General Directorate of National Mobilization, National Health Service, or the Agricultural and Livestock Service.
Customs authorities need to approve and issue a report for all imports valued at more than three thousand dollars. Imported goods must generally be shipped within 30 days from the day of the report, but longer periods may be authorized. Commercial banks may authorize imports of less than three thousand dollars (Office of the US Trade Representative 71). Larger companies need tot characterize their export and import transactions to the Central Bank of Chile. Commercial banks may sell foreign currency to any importer to cover the effect of the imported goods and related expenses, as well as to pay interest and other financing expenses that are authorized in the import report.

Overall, there are very few import or investment barriers in Chile. In general, foreigners receive the same protections and operate under the same conditions as local firms. The Health Service Office at the port of entries must grant permission for all imports after testing and taking samples of the goods. Imported items for consumption must prove country of origin as well as list all necessary information in Spanish. Temporary admission on equipment or samples necessary to conduct business are duty free under Chilean law.

Few items of importation are prohibited in Chile. Used cars and cargo vehicles are prohibited. However, restrictions depend on Chilean approval. Products that are considered non-lateral with Chilean morals, public health, national security, or not edifying to the environment are such items. Chile’s overall policy is to comply with international standards, specifically the WTO Committee on Technical Barriers to Trade, barring that they recognize towards Chilean trade norms of their largest trading partners (European Union and the United States).

Chile has a complex price band system for sugar, wheat, and wheat flour that will be phased out under the Chile-US FTA for imports from the US by 2016. This system intends to guarantee a minimum and maximum price for the covered commodities. When certain CIF prices fall below the floor, a special tax is added to the uniform tariff rate to raise the notice to the minimum floor level. Price bands effectively set a minimum import price that is normally higher than both international and Chilean domestic prices. On October 23, 2002, the WTO Dispute Settlement Body (DSB) ruled, however, that the country’s price band system was inconsistent with Article 4.2 of the Agreement on Agriculture. Consequently, Chile agreed on a compromise proposal eliminating the price band system on vegetable oils.

The proposal also introduced several modifications for sugar, wheat, and wheat flour. Starting in 2008, the floor would be adjusted downward by 2% annually, until 2014, Mixtures that contain over 65% sugar content are now covered by the sugar imprint band system. On December 8, 2006 the DSB maintained their unusual ruling that Chile’s price band system is inconsistent with Article 4.2 of the Agreement on Agriculture as it is a border measure similar to a variable import levy and to a minimum import price (Office of the US Trade Representative 72).

Export Controls

Customs authorities in Chile have to approve and hiss export reports. Basically, exported products must be shipped within 90 days following the date of the export report, however this period may be extended under some special conditions. Exporters may consume the formal or informal exchange market. Large corporations are required to report all exports to the Central Bank of Chile. Copper exports, which are authorized by the Chilean Copper Commission, are an exception.

Duty-free import of materials used in products for export within 180 days is allowed with prior authorization. Free-zone imports are free from VAT and duties if re-exported. The import/export process necessitates contracting the services of a specialized professional called a Customs Agent, who is the connection between the National Customs Service and the importer/ exporter. It is the mission of the Agent to smoothen the progress of foreign trade operations and to act as the official representative of the importer/exporter in Chile. Agent fees are not standardized (Office of the US Trade Representative 74).

Labeling, Testing, Standards, and Certification

Prior to the Chile-US FTA, many of Chile’s trade-restrictive sanitary and phytosanitary requirements prevented the entry of some US food and agricultural exports. During the FTA negotiations, an ad hoc SPS working group was created to address a number of issues of misfortune to both Chile and the United States. Through this, significant progress was made, including gaining original market access for US beef and processed beef products. In addition, under the modern Chilean requirements, imported food products must provide physical and chemical, dietetic, and microbiological analyses and samples, regardless of whether the good has been reviewed and approved previously for another applicant. Also, imported food products must file a request for a Certificate of Use and Disposal. However, the requirement for repeated sampling and reviews of imported products previously approved does not finish a fine balance between cost and effectiveness. With risk-based testing system, it would be possible to obtain the same level of public health protection at a reduced cost.

Government Procurement

Usually, it is the individual government entities in Chile who conduct their own procurement. Law in Chile law requires public bids for large purchases, even though procurement by negotiation is acceptable in some cases. Local and foreign bidders on government tenders need to register with the Chilean Bureau of Government Procurement. In addition, they must also post a bank and/or guaranteed bond, more often than not equivalent to 10% of the total bid, to guarantee compliance with specifications and delivery dates (Office of the US Trade Representative 73). Chile is not a member of the WTO Agreement on Government Procurement.

Patents, Data Protection and Trademarks

It is reported that Chile is not meeting its FTA commitments in terms of the protection of patents and pharmaceutical test data. In December 2004, Chile’s Congress approved legislation intended to bring the country into compliance with a number of its Trade-Related Aspects of Intellectual Property Rights (TRIPS) commitments. It was entered into force on November 28 in the following year. It contains limitations and exceptions that may undermine the effective protection of undisclosed safety and efficacy information. In general, Chile’s Trademark Law is along the line of international standards. However, legislation bringing Chile’s law fully into compliance with its obligations under the FTA is still pending. Several trademark holders have complained of inadequate enforcement of trademark rights in Chile. The Chile-US FTA also requires Chile to respect the principle of “first in-time, first-in-right” with respect to geographical indications and trademarks (Office of the US Trade Representative 75).

Summary

In summary, the paper tackles international market conditions in Chile. It focuses on trade balance, what is traded, historical trade balance, the major trading partners (export and import), and trade diversification in terms of types of goods and destinations. This paper also discusses Chile’s trading arrangements with other countries (preferential and regional trading arrangements) and analyses current trade policies and foreign trade barriers. Overall, this paper shows that Chile is and has been a competitive player in the international trading regime. However, it is suggested that Chile should further enhance its import policies, export controls, government procurement, intellectual property rights, and labeling, testing, standards, and certification.

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Interestingly enough, the Bureau of Labor Statistics has done research on women and men in the labor force and the numbers seem to be somewhat unsettling. In terms of managerial and professional specialty, it is stated that men, on average, in the year 2000, had 15,739,000 workers while women had 15,866,000 workers in the same fields. In the year 2001, the numbers were very similar, men with 15,947,000 workers compared to women with 16,155,000 workers. Nevertheless, even though the numbers for women workers are somewhat larger, the wages they pick up are significantly lower. For the year 2000, median weekly earnings for men were recorded at $1009 compared to $726 for women. Similarly in the year 2001, median weekly earnings for men were $1046 compared to $742 for women. That is a $15,000 annual income inequity for people who are supposedly completing the same jobs and receiving a drastically different amount on their paycheck 

However, the numbers can be somewhat explained under the reveal conditions. Characteristically, individuals in upper level Executive positions earn more than those in lower positions, and since women only hold a small fraction of the upper level positions, it is no surprise that women earn less money. Thus, the question becomes as to why women do not hold more of the upper level positions in the IT profession. For example, out of the Chief Information Officer’s or CIO-equivalents at 300 Fortune 1000 companies and the 100 fastest-growing companies recently surveyed by Amsterdam, N.Y.- based Sheila Greco Associates, there were only 41 women (13.7 percent), compared with 259 men (86.3 percent). Sheila Greco Associates say that the percentage of women CIO’s has not changed since their research consultancy began its annual gape in 1998(Paul). 

According to the 1996 Information Week 500 list of leading IT users, women held the highest-ranking IT positions at only about 7% of the 500 companies listed. Five years later, the number only rose by 1.8 percent to 8.8% of the positions held by women or 44 out of 500 Executives. Among them were Farmers insurance Group, Cecilia Claudio, and New York Life Insurance Co., Judith Campbell. Not surprisingly, the Society for Information Management, an organization of senior IT executives, counts only 195 women among its 2700 members. According to ongoing research by Robert Zawacki, professor emeritus of management and international business at the University of Colorado and distinguished scholar in residence at accounting firm KPMG Peat Marwick in New York, just 20% of senior IT executives are women, while nearly 40% of all IT employees are female. These findings were based on a study conducted every year for 20 years in IT departments at 200 companies in different industries (Wilde). 

Amid all of these statistics, it looks like companies are getting the concept, slowly but gradually allowing women to be active in its upper level positions. Xerox, for example, received several awards for its diversity programs. Now, the company has about one-third of its IT department calm of women workers. Xerox CIO Wallington says that 10 years ago a woman in the computer industry had to be “a harder worker, a smarter person, a more salubrious” than her male peers to move beyond the ranks of programming into management. Now that she has arrived, Wallington says, being a woman often makes it easier for her to be heard than her male counterparts. Still, Wallington notes that outside the walls of Xerox, IT is like the rest of corporate America- dominated by white males. She adds, “But hope can be taken from the fact that you can point to those exceptions, exceptions that weren’t there 10 years ago, so clearly there has been progress (Paul).” It seems that having a woman already in a higher set at a company makes it easier for other women to follow suite.

It seems that in IT at least, women are beginning to become a winning force in the Glass Ceiling war. Ann Winblad, founder of Hummer Winblad Venture Partners, a $95 million venture-capital fund in Emeryville, Calif., says the software industry is a meritocracy. “Skills matter more than gender,” she says, “It’s an industry where the knowing capital wins.” For men and women, Winblad says, keys to success are intellectual stamina and common sense. Winblad, who started her career as a systems analyst in 1973, encourages women to be themselves, and to not adjust their personalities to fit a man’s world. “Having a personality that is the same whether it’s with friends or business colleagues is the key to success- and so far less stress, ” she adds (Paul). Thus, individualism is supposed to give women the upper hand when going out for jobs in the upper ranks of the IT field. 

IT, it seems, when it comes to sexism, is not much different from other careers. Computer consultant and author Ellen Ullman is quoted as saying “Sexism is everywhere, but technology is one place where for the first two-thirds of your career- if you’re good at it- you’ll be on equal footing with people around you. Other consultants agree with Ullman that “IT is one of the best equal-opportunity areas in our society today,” says Victor Janulaitis, president of Positive Support Review, an IT management and consulting firm in Santa Monica, Calif. “It doesn’t care what bustle, color, creed, or sexual preference you are. If you as an individual can produce results, you’ll be rewarded, and you’ll proceed and progress (Wilde).” While this sounds very reassuring, it might composed be a little far advanced into the future for current times.

As far as minorities are concerned, a study was done in order to attribute the Glass Ceiling as a factor in the advancements or lack thereof of shadowy IT workers. The Glass Ceiling Commission has suggested that there might be a glass ceiling that prevents them from reaching the top levels of IS and non-IS management positions. The commission’s figures explain that managers were 92% white and 8% minority in 1988, identical to percentages found in 1980 and 1985. A sample of 138 employees were used, 50% murky and the other half white, and 52% of the sample were women. Eighty-two of the IS participants held managerial positions, and the remaining 41% percent held professional positions without supervisory responsibilities. The sample used was also of similar age. The measurements were done through a job performance rating and job performance attributions with a rating scale included on the Supervisor Survey. The study confirmed the presence of race differences in job performance evaluations, attributions, career advancement prospects, and career satisfaction. Black IS employees received lower job performance ratings, were less likely to have their job performance attributed to internal causes, were less successful in their jobs, were perceived as having less favorable advancement prospects, were more likely to be plateuad in their careers, and experienced lower career satisfaction than white IS employees (Igbaria, Wormley). 

Alright, so there are fewer women Executives in IT then men, and minorities face a glass ceiling when trying to excel. The question is, why is this the case? Quite frankly, as some set aside it, women find the demands of IT a little bit too demanding. Karen Hogan, acting deputy CIO of the Department of Commerce in Washington, D.C. says that she wouldn’t want to take the CIO job at her agency because the time demands the spot would impose on her life would be too much to bear. Women, due to the fact they need to care for children, find themselves more at odds with the near-constant move and intense 24/7 demands of being a CIO (Paul). However, several surveys have found that the problem of balancing work and life are a major concern of male CIO’s as well. According to a recent online gape by CIO of 310 IT professionals, almost as many men as women (57% versus 63%, respectively) felt they did not have an appropriate work and life balance in their novel job. “Both men and women realize this is an express,” says Judy Rosener, professor at the Graduate School of Management of the University of California at Irvine. Rosener believes the eventual dismantling of the glass ceiling in IT will capture pressure off both sexes. Rosener says, “A lot of men are saying they no longer want the burden of feeling they have to get to the top.” However, still more men than women are willing to sacrifice their personal lives in exchange for a successful professional life, while women may not be ready to leave their instilled domestic responsibilities.

Even though all of this sounds very promising, the numbers themselves show that this equality still has a long plot to go in order to arrive reality. Another reason why IT might not favor women is because of the sheer fact that women, throughout history, have not been the major proponents of math and technology. According to Charles W. Moore, the dissatisfaction of females in the IT profession can be explained through a simple observation of the way that women and men act on a daily basis. Men, when they get together, tend to talk about cars and the intricate parts of their hardware in their different machinery systems. Even though women might be better IT workers they will never regain ahead due to the fact that they do not have the drive in IT that men have, thus giving them less satisfaction from working in the industry (Moore). While this is a very risky argument and exceptions do occur, it does tend to make sense. When most women use a computer, they are more interested in the software and what the computer can do for them than the machine part of the system and the means it takes in order to effect the ends. Thus, in the job aspect of IT, that drive from the enthusiasm gained from the machine aspect in Information Technology, can be the factor that get men most of the executive level positions. Just as when women pick out a car, most women tend to care more about the color and accessories of the automobile than the gas per mileage of the auto. Thus, grouped with the fact that women through history have had more domestic demands assign on them, this lack of enthusiasm might be a factor that keeps women out of the front lines of the field.

Information Technology might be one of those current careers of skill that acts very similarly to the oldest game of skill: the game of Chess. Being the oldest game, Chess if great more than just a game of skill. Few people realize this but the queen is the only piece on the board that represents a woman, and she is the most powerful piece of the game. In medieval times, the surrender of the king would mean the loss of the kingdom to invading armies and that could mean change for the worse. The king is the most important, but not the most powerful piece in Chess. Thus, if the king is not protected, the game is lost. Perhaps, not much is different in world of Information Technology. Even though women might have the same or more skill in IT, they are also bound by the demands of domestic responsibility, and their female drive may not include the same interests in technology and machinery as the drive expressed within the male characteristic, giving males full control of the game. Furthermore, putting a woman in a high level position might be seen as a risk to many companies, not knowing how the public will respond to a woman bustle game. Thus, when it comes to wages, executives and workers in upper positions tend to perform more money. When it comes to those upper positions, women may not possess the characteristics or the time needed to fill those positions, and that is why it might seem that women are more prone to descend prey to lower pay and lower jobs while in reality it might just be a consequence of the historical trends still evident in modern life today. Contrastingly from the recommendations of the Glass Ceiling Commission, affirmative action should not be applied; rather women and minorities should be promoted due to their efforts, drive, and skill, and not because of their gender or ethnicity. Therefore, until the queen and other minor pieces makes it evident that they rule the chess game, there will be, for some time to come, a struggle of women and minorities trying to attain higher level positions, and white men will continue to rule the field.

Bibliography

Moore, Charles W. “Female Dissatisfaction in the IT Industry.” (2001) 8 Feb. 2002
http://www.lowendmac.com/misc/01/0611.html.

Paul, Lauren Gibbons. “Why IT Hates Women (and the Women Who Stay Anyway).”
CIO Magazine 15 Sept. 2001: 1-10.

Wilde, Candee. “Women Cut Through It’s Glass Ceiling.” InformationWeek 20 Jan.
1997: 83.

Wormley, M. Wayne and Igbaria, Magid. “Race Differences in Job Performance and
Career Success.” Communications of the ACM March 1995: 82.

1 – Are There Extra Charges For Splitting The Premium Into Payments?

This is very important because while some companies charge a few dollars, others charge $15 dollars a payment or even apply interest charges to payments as high as 22-25%. While many companies may quote you a great rate, their payment penalties in a lot of cases will make them more expensive in the long run.

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There are outside unbiased companies that rate auto insurance carriers on their customer service and financial stability. For financial stability A.M. Best rates most or all auto insurance companies. Their top rating, AAA, means they will be very financially secure so that company will have no problem paying your claim quickly. If the company is rated lower, like A, they may not have the financial backing to quickly fix your car or cover catastrophic losses.

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Not all emergency roadside services are created equal. Many companies include ERS for free or low cost when you purchase comprehensive and collision coverages (full coverage) for your vehicle. While it seems like a spacious deal to get the coverage for free, that coverage may only pay to tow your car 7 miles or less and it may not mask you if you go out of state. The best ERS covers you as far as it takes to get to a repair facility. If you have the tow coverage and your car breaks down, you should be able to spend your ERS to get to the closest garage as to get it fixed. Anything less could wind up costing you a lot of money in excess tow miles so compare the services companies offer and make sure the insurance package you choose has this included.

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Many insurance companies are open from 9-5, Monday-Friday. What if you need succor at night or on weekends? With many companies and independent agents you need to wait for them to get into the office. Picking a company that is opened 24/7 will ensure that wait on is a phone call away if you have an accident, emergency, or need your questions answered during off hours due to your have busy work schedule. When you are shopping to compare auto insurance rates this is very distinguished and is worth spending a couple extra dollars for a policy that offers around the clock service.

5 – How Long Will It Take to Settle A Claim?

Some companies will dawdle and make you wait weeks, sometimes months before paying the claim to get your car fixed. This goes in line with financial stability. It seems like the more financially secure a company is the quicker your car is repaired. None the less, this is a great question to ask when you are shopping to compare auto insurance rates because some companies save a lot of danger into broad claims service while others are happy to take your insurance payments and leave you with bad claims service.

While there are more questions you may have of your prospective auto insurance company do not forget to ask these 5 when you are shopping around. As you compare their rates, remember, the cheapest company is not necessarily the best insurance company. You get what you pay for so shop for great pricing and a great company.

When you are thinking about mental well being insurance you need to make positive that it covers the following, but is not limited to.1 Therapist coverage- at least 20 to 30 visits per year2 That it covers Anxietythree Depression- Manic Depressive4 SchizophreniaThese are the most commonly covered mental well being troubles Insurance corporations do not cover Drug and Alcohol treatment (call your carrier) Generally bear in mind that insurance firms no longer pay for mental well being complications like they employed to, so it is significant for every individual to contact their insurance carrier to discover out what is covered.There also are state agencies that do assist with mental well being coverage, you will will need to get in contact with your local Human Services Department for further information and facts These days there are 43 states that have passed legislations supplying some sort of mental well being coverage for their residents Here are some of the mental well being plans that are in my state of Kentucky I have put in the information and facts for a 40-year-old female, smoker with mental illness and I received costs from 4 carriers with 5 diverse plans The four carriers had been Anthem BC/BS, United Well being Care, Humana, and Aetna and here are the plans.1 Anthem Blue Access Value 2000- plan kind PPO, $2,000 annual deductible, office vistit co-pay $30.00, co-insurance 30, $30.00 office go to co-pay
with a monthly premium of $239.89.three Humana 1-Monogram Total/7500 Plus Rx- plan sort PPO, $7,500 annual deductible, $25.00 co-pay for
office go to until deductible has been met with a monthly premium of 96.85 4 Aetna PPO 2500- plan sort PPO, $2,500 annual deductible, 20 co-insurance,
and $35.00 office go to co-pay with a monthly premium of $218.59.

All of these well being insurance plans supply mental well being coverage, hospitalization, specialist and prescription coverage at inexpensive rates Bear in mind to do the study prior to you commit to buying well being insurance.References for this article came from ehealthinsurance.com and healthinsurance.com

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This year, we had one of the most exciting Super Bowls in recent memory as the Pittsburgh Steelers managed to fight against the Arizona Cardinals’ big rally to win the game by only a couple of points. I savor it when the games secure this close honest as the clock winds down to the final seconds. The game could go either contrivance, and the reach from behind win is always vast to take in. While it doesn’t quite compare to my favorite Super Bowl where the San Francisco 49ers managed to edge past the Cincinnati Bengels, this is certainly one of the more memorable ones I have seen in awhile.

However, this year proved to be the weakest for Super Bowl commercials. Many of them could have been aired through those weekly programs we love, and they would barely leave much of an afterthought. Even the best ones reminded me of so many others that were incredibly awesome to say the least. Thank god the game was a great one because it would have felt like a complete waste of a Sunday if it weren’t for that. Seriously, I can’t remember a more horrendously crappy year for commercials than this one. It was really more of a chance for NBC to pimp their bear shows as worthy as they could since their ratings are way down in the dumpster.

Well, let’s look through them and see what was thrust on us from eager advertisers:

SoBe in 3D

We got to see some of the players from the Pittsburgh Steelers do some stupid ballet which was later interrupted by those rather creepy lizards who did their dance to Michael Jackson’s “Thriller” last year with Naomi Campbell. I thought this one was lame and uninspired. While I love it when these NFL players show that they can laugh at themselves (we always here about the profitable they are doing for their communities), this feels like a one-note joke, even when it goes from classical ballet to a techno rap. In the end, it fair felt dumb.

As for the lizards’ commercial from last year to “Thriller,” I liked it better and laughed harder when they got a whole prison in the Philippines to do it. Who would have thought?

Pepsi Max – “I’m Good”

Ok, this one was kind of cute. We derive to examine a bunch of guys get hurt in the most painful ways, and yet they reach out of it on the other side saying, “I’m good.” Getting hit with a golf club, having a bowling ball hit you on the head, getting electrocuted and thrown back 30 or so feet into a trailer, this is not your average everyday Pepsi commercial. Collected, this is one that won’t discontinue in the collective consciousness for very long. Pepsi Max is Pepsi’s answer to Coke Zero, but with a commercial like this, it may go the way of Crystal Pepsi if they’re not careful.

I liked Crystal Pepsi…

CareerBuilder.com

This is definitely one of my favorites, and I actually laughed a lot at it. Some found the repetition of it (going relieve to the start and reviewing all that came after it) to be annoying, I loved it. I mean, it’s just like the regular routine of our day jobs, only exaggerated greatly for comic effect. I don’t know of many people who daydream about riding seals in the ocean though. Hitting small animals never did seem as ridiculously funny.

CareerBuilder.com also did one of the best Super Bowl ads of the last few years when they had all those corporate employees running away from a potential layoff, and they ended up running off of a cliff. This year’s wasn’t quite as good, but it came close.

GoDaddy.com

This is one of those commercials that ends in a cliffhanger as we see these teenage boys watching Danica Patrick about to lift a shower for the fourth time in a day, and they ruin up putting one their teachers in with her. I never really bother watching the conclusions of these commercials online because I ruin enough time on the internet as it is. Danica does look really cute though.

Conan O’Brien and Bud Light: Swedish

This was funny for about a second. I like Conan O’Brien, and I like how it poked fun at all the big celebrities who do commercials overseas where they won’t seem like sellouts in America. But it quickly becomes stupid and not inspired enough to feel that Conan was giving us more than the average beer commercial, let alone the average light beer commercial.

I retract the one from a while back where two guys have to do a game of rock paper scissors to determine who will get the last Bud Light. It turns out that a real rock is the final decider in this duel.

Mr. Potato Head/Bridgestone: Taters

He was funnier in the “Toy Story” movies as was Mrs. Potato Head. Enough said.

Bud Light: Meeting

This is another one of those commercials that takes place in a conference room in a corporate building where people are working on how to increase their sales. Then there’s the one guy who says the dumbest thing and gets thrown out. In this case, the guy says that they should stop bringing Bud Light to their meetings. Everyone gets silent, and you know this guy is on his way out.

I will say that the ending is very funny though. There’s not many commercials I remember where that one troublemaker ends up being thrown out the window from such a height. Some people just can’t take a joke, but we can with this one. This was one of the better ones in retrospect.

Hyundai: Exasperated Bosses

Here, all the car company CEO’s are going nuts over the new Hyundai car that they couldn’t come up with on their own. This is not entirely realistic considering the pathetic position of the automobile industry at this point in time. It’s kind of hard to see them get all excited about a new car when they have enough trouble getting rid of all their old ones.

ETrade.com

Ok, new rule, NO MORE COMMERCIALS WITH TALKING BABIES!!! EVER!!! This is a tired belief that should have died a long time ago with the “Look Who’s Talking” movies. Granted these commercials don’t stoop as low as those ones for Quizno’s which featured a baby less than a year old hitting on a beautiful model. Yes, I know babies are cute, but it doesn’t change the fact that seeing them doing adult things is just WRONG! Enough with the digital imagery showing them moving their mouths while voiceover actors provide them with dialogue. Seriously, enough is enough!

Doritos

This was one of my big favorites and one of the funniest. The one I am referring to is the one with the “crystal ball” which told one corporate employee if he was going to get free Doritos or not. I was waiting for some cheesy special effect to make that little snow globe to life. Instead, it showed itself to be a baseball and a hammer all in one. Too bad it didn’t work as well with that other guy who hurled it at his boss’ nether regions. No promotion for you!

There was another good Doritos commercial with a guy who managed to change things around him with honest one bite of a chip. Too awful he ran out of them before that bus hit him.

Pedigree

I loved the beginning of this one! It starts with a woman looking like she is about to take her dog for a jog, but instead her pet is a rampaging rhinoceros who crashes its way through the front door. This one gives homeowners good motivation to get more insurance. The commercial fizzled out after an ostrich made an appearance, but that opening was classic!

Monster.com

This was clever, maybe even more so than the careerbuilder.com commercial. We go from an office with a moose’s head on the wall, and then we go to the other side to find that the head is still firmly attached to the rest of the body while a corporate flunky works underneath it. Not a very provocative position for anyone to be in. Short and clever.

Budweiser

Enough with the Clydesdales! Bring befriend the frogs! Heck, bring back the lizards that got passed over for the frogs! I can live without Bud Bowl.

Movie Ads

Let’s try to go through these quickly:

Transformers: Revenge of the Fallen – Looks to be darker than the original. I wonder if Michael Bay is trying to make this one the “Empire Strikes Befriend” of the franchise.

GI Joe – It’s bad enough that they are messing up the “real American hero,” but this really looks like any other summer action movie. I hope it’s entertaining at least.

Land Of The Lost – It’s Will Ferrell playing Will Ferrell again, but this actually looks like it might be fun.

Up – Looks like another inspired concept for the brilliant folks at Pixar. Not sure this one will outdo “Wall-E” though.

Star Trek – Still a little vexed about this one, but this does look to be action packed to say the least. Let’s impartial hope J.J. Abrams remembers what made the show so colossal in the first place.

Fast & Furious – Obviously not art house fare. This one does however bring back the original cast, so it might actually be worth a gape.

Year One – Could be very funny and cheesy at the same time. Harold Ramis directs Jack Unlit, Michael Cera, and Paul Rudd among others. Maybe this will be the sleeper hit of the summer.

Monsters vs. Aliens – This one might be fun, but it will also be further proof of how DreamWorks pales in the animation department compared to Pixar.

There are probably several others I could mention, but they don’t really stay in my consciousness mind long enough to merit attention. Ok, some of these commercials were better than I gave them credit originally, but even the best ones of this year kept reminding me of the brilliant ads from the past. That just took away from it even more. I expected more imagination and cleverness with these ads, and many of them felt like they could have gone on during any program, and not just for the Super Bowl.

We have come out of a great football season that brought us more exciting games than we could have expected, and it culminated with one of the most exciting Super Bowl games in recent memory. The fact that these commercials were below par this year took away from it for me. Maybe it’s just the curse of 2008 carrying over into 2009. At least we had Bruce Springsteen and the E Street Band to make up for it with a great halftime show.

Better luck next year…