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Simply defined, the flow of cash in and out of your business is the lifeline of the businesses and is the primary indicator of business health. Cash flow can be described as a cycle: your business uses cash to acquire resources. The resources are put to work and goods and services produced. These are then sold to customers; you collect and deposit the funds and so the cycle is repeated. But what is crucially important is that you actively manage and control these cash inflows and outflows. At times, when people are struggling for capital to keep businesses going or to start them, they turn to unorthodox resources for financial assistance. Many financial institutions do not actually extend money but offer assistance and counseling and training and things that add to the expense of taking care of the client.

Cash advances and unsecured loans are a better alternative to acquire your business cash in crunch situations. The micro-finance institutions offer several different types of loans and cash advances for many worthwhile purposes. A loan may be granted as secured or unsecured. With a secured loan, collateral is offered to help guarantee repayment of the debt in the event of default. With an unsecured loan, no collateral is offered other than the signature of the member, which is a legal promise to repay the obligation as contracted. There are different types of secured and unsecured loans.

Unsecured personal loans and unsecured business cash advance are made in good faith that a member will repay the obligation as contracted. These loans are made for many worthwhile and productive purposes, such as buying furniture and appliances, making home improvements, paying for education, covering medical bills or financing that dream vacation. Salary advance loans are another form of unsecured loans, which provide an inexpensive and convenient financial assistance for people who have an emergency need for cash. In such cases, loan amounts are limited to a maximum of $500 and must be repaid on your next pay date. Lenders are available to meet and discuss applications with the borrowers.

The ability to repay current and proposed obligations is critical while deciding to approve a loan. Cash advances are generally refused to those who have a current overdue advance. In general cash advance schemes, the ability to repay is determined by the borrower’s monthly credit card sales receipts. In the case of salary advances, the ability to repay is determined by verifying gross income of each applicant by either a check stub or complete tax returns. Additional income such as child support, overtime and part-time income may be used to qualify for a loan; but it must be steady and verifiable.

A business entrepreneur should expect quality loan servicing from a lending institution. If the micro-finance institution is unable to approve a loan, the applicant is entitled to and will receive an explanation of the reasons why the loan has not been approved. In fairness to all members and as a sound business practice, employees of the lending institutions must, at all times, protect the assets of the organization. Loans are assets of these micro-finance institutions and the lenders are charged with the responsibility of helping applicants in need with good loans, which mutually benefit all members - borrowers and savers alike. Many financial institutions offering business cash advance are dedicated to providing affordable services to the applicants and their commitment to service remains the highest priority.

Christine is an expert Internet marketing professional with years of experience in various industries such as: Business, Finance, Real Estate, Web-Design, Health & Medicine and many more.
Unsecured Business Cash Advance

Sweet Spot is the latest Smooth Jazz CD released by the very talented piano playing Kevin Toney who once again has delivered a brilliant collection of tracks. I’m confident Kevin Toney fans, and Smooth Jazz fans alike will be pleased with this one.

The CD launches with a great track, Mister T, that I suspect will be heard on radio stations everywhere, and deservedly so. It really is a very nice track.

Smooth Jazz music fans will recognize some of the well known contributors n the project including Pamela Williams, Craig T. Cooper and Paul Jackson Jr. plus a few other notables as well.

I give Sweet Spot my highest recommendation. It just plain belongs in any serious music collectors collection regardless of genre preference.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 5, So Much Fun. It’s a great track!

Sweet Spot Release Notes:

Kevin Toney originally released Sweet Spot on Jun 10, 2003 on the Shanachie Records label.

CD Track List Follows:

1. Mister T

2. Sweet Spot

3. Midnight Blue

4. Dilemma

5. So Much Fun

6. Coast To Coast

7. Morning Rain

8. Better Than Ever

9. Nu “M” Jaz

10. Kiss

11. See You Again

12. Prelude To Portrait

13. Portrait Of You

Personnel: Kevin Toney (piano, keyboards, programming); Lamont Van Hook, Lisa Vaughn (vocals); Pamela Williams (soprano saxophone); Ralph Jones (flute); Robert Turner (keyboards, synthesizer, programming); Craig T. Cooper, Paul Jackson Jr. (guitar); Kevin McNeal (acoustic bass); Aaron Mills, Mel Brown, Ernest Tibbs, Victor Bailey (electric bass); Corey Mason, Rayford Griffen (drums); Mike Smith (percussion). Recorded at K-Tone Studios, Chatsworth, California and Clearlake Audio, North Hollywood, California.

www.forumdomain.net

Halloween is a very exciting and fun filled festival.
It is believed that Halloween is the day when evil spirits, ghosts and vampires etc come to earth to scare people and spread terror everywhere.

It is originated from the Celtic New Year day of ‘Samhain’.
Celtic people used to paint their faces and wear strange clothes as they believed that it will keep bad spirits away.

This tradition is now continued and Halloween is celebrated with great enjoyment.
People visit their relatives, friends and wear strange dresses.
Kids get candies, gifts on this day. People invite others and throw parties.

So, this Halloween the best gifts will be that are more scary and ghostly.
A lot of good quality scary masks are available in the market. Instead of designing a mask at your home, go and buy a good one from market.

Another good idea is to buy a simple T-shirt. Those who are computer geeks or freaks can design their own ’scary logo’ that suits their T-shirt.

Once you have designed it, you can go and get it printed from the market.
It will make a huge impact on the people you give them as a gift.
You can customize a message on this T-shirt too.

If you do not want to undergo that pain of doing so much, you can simply buy a good one from the market.

Buying a scary movie CD or DVD is a very good option too.
Scare your friends and we are sure you will really enjoy this day.

Gift Ideas, Unique Gift Ideas, Basket Gift Ideas - More Gift Ideas

Seldom Blues is the latest release from Smooth Jazz Sensation Alexander Zonjic, and is another great one by this talented musician.

Refreshingly, this was one of those CDs I was able to just pop in and comfortably listen to from beginning to end. Every track is enjoyable and was pretty easy for me to listen to from start to finish.

Alexander Zonjic possesses the characteristic of being able to bowl you over with his talent alone. The kind of artist I really enjoy listening to.

I’m of the opinion that Seldom Blues is certainly Alexander Zonjic’s best work in a few years. A totally enjoyable CD and an outstanding release. What I call must have music. I give it two thumbs up because it’s a collection that even the casual Smooth Jazz fan can appreciate and enjoy.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 7, Sweet. This is a great track!

Seldom Blues Release Notes:

Alexander Zonjic originally released Seldom Blues on Nov 23, 2004 on the Heads Up Records label.

CD Track List Follows:

1. Leavie It With Me
2. Seldom Blue
3. AZ Does It
4. Isabela
5. People Make The World Go Round
6. Spill The Wine
7. Sweat
8. Under The Moon And Over The Sky
9. Quantum
10. Britters

Personnel: Alexander Zonjic (flute); Kem (vocals); Earl Klugh, Michael Ripoll, Paul Pesco (guitar); Kirk Whalum (tenor saxophone); Rayse Biggs (trumpet); Jeff Lorber (keyboards, percussion, programming); James Lloyd, Bob James (keyboards, programming); Kyle Whalum (bass instrument); Lamar Carter (drums); Kevin Whalum, Sherrie Kibble (background vocals). Recording information: JHL Sounds, Pacific Palisades, California; From Above Music, Youngstown, Ohio. Arranger: Jeff Lorber.

http://freewebs.com/geegee08

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I recently wrote about the absolute need for a Medical Directive granting the “exclusive power” to your Agent for the purpose of communicating your healthcare wishes and to instruct those in charge of your medical care and to respond to the actual facts and variables known when an actual healthcare decision needs to be made. Your Medical Directive becomes effective, when:

1. You cannot communicate your own wishes for your medical care:

A. Orally, B. In writing, or C. Through gestures, and

2. You are diagnosed to be close to death from a terminal condition, or to be permanently comatose, and

3. The medical personnel attending to your care are notified of your written directions.

WHAT IS A FINANCIAL DIRECTIVE?

To summarize, a “Medical” Directive is a legal Instrument addressing the issue(s) of your healthcare and a “Financial” Directive is legal financial Instrument that empowers your Agent over all your financial matters and to exercise or perform any act under a recognized “Principal / Agent” relationship, with power, duty or right of any obligation whatsoever over everything that you now presently have or may thereafter acquire in the future, relating to any person, matter, transaction or property, real or personal, tangible or intangible, now owned by you or thereafter acquired by you, including, without limitation, general powers and specifically enumerated powers as to each possible event or circumstances.

In order for your Financial Directive to be legally binding on all third parties, the third parties so notified of your Principal/Agent relationship, your instrument must be in writing, properly witnessed or notarized with power to indemnify all those who accepted it in good faith.

Your Financial Directive should grant your Agent full power and authority to do everything necessary in exercising any of the powers as fully as you might or you could do if you were personally present, with full power of substitution or revocation, ratifying and confirming all that your Agent may lawfully do or cause to be done by virtue of your Financial Directive.

ESSENTIAL ESTATE TAX PLANNING: THE FINANCIAL DIRECTIVE

A Financial Directive should be part of your estate tax planning.

Your Financial Directive Instrument should address the following general powers and specifically enumerate those powers as to each possible event or circumstance:

1. Demand, receive, and obtain by litigation or otherwise, money or other thing of value to which the Principal is, may become, or claims to be entitled, and conserve, invest, disburse, or use anything so received for the purposes intended.

2. Contract in any manner with any person, on terms agreeable to the Agent, to accomplish a purpose of a transaction, and perform, rescind, reform, release, or modify the contract or another contract made by or on behalf of the Principal.

3. Execute, acknowledge, seal, and deliver a deed, revocation, mortgage, lease, notice, check, release, or other instrument the Agent considers desirable to accomplish a purpose of a transaction.

4. Prosecute, defend, submit to arbitration, settle, and propose or accept a compromise with respect to a claim existing in favor of or against the Principal or intervene in litigation relating to the claim.

5. Seek on the Principal’s behalf the assistance of a court to carry out an act authorized by your Financial Directive Instrument.

6. Engage, compensate, and discharge an attorney, accountant, expert witness, or other assistant as it becomes necessary or relevant to principal objective(s).

7. Keep appropriate records of each transaction, including an accounting of receipts and disbursements.

8. Prepare, execute, and file a record, report, or other document the Agent considers desirable to safeguard or promote the Principal’ s interest under a government statute or governmental regulation.

9. Reimburse the Agent for expenditures properly made by the Agent in exercising the powers granted by this Instrument.

10. In general, do any other lawful act with respect to the subject at hand.

WHEN DOES YOUR FINANCIAL DIRECTIVE BECOME EFFECTIVE?

Your Financial Directive becomes effective when you are considered disabled or incapacitated.

For purposes of your Financial Directive Instrument, “disabled or incapacitated” means when a physician certifies in writing at a date later than the date of your Instrument was executed that, based on your physician’s medical examination of you, your doctor declares you mentally incapable of managing your financial affairs.

Your Financial Directive should have a paragraph to “legally authorize your/the physician” who examines you to disclose your physical or mental condition to another person for validation. You may even authorize a second physician for a second opinion. Subsequent to this verification and disclosure of your incapacitated condition, a third party that accepts your Financial Directive is fully protected from any action taken.

FINANCIAL DIRECTIVE COMPARED TO GENERAL POWER OF ATTORNEY

I am reminded of cases where the spouse is precluded to sit in important business meetings of which her temporarily incapacitated husband was a member, and decisions were being made affecting her husband’s interest in the business. While a general power of attorney may have been sufficient, but more likely would have required further court action. The Financial Directive is a significantly stronger Instrument then a general power of attorney, and would have specifically addressed issues concerning the spouse’s ability to sit and vote with the Agent, in decisions affecting the business, and more specifically her ownership interest in the business, with ability to bring in professional assistance to consult with her on such important matters.

CAUTIONARY PROVISIONS WITHIN YOUR FINANCIAL DIRECTIVE YOU WOULD NOT WANT YOUR AGENT TO HAVE

While we have enumerated the specifics of the powers to your Agent, there are some powers you would not want your Agent to have:

1. Your Agent cannot execute a will or codicil on your behalf.

2. Your Agent cannot execute any trust on your behalf; however, your Agent can enter into a custodial agreement with another “independent” individual or bank with trust powers.

3. Your Agent cannot divert your assets to himself [or herself], his [or her] creditors or his [or her] estate.

4. Your Agent shall not exercise, and shall not be vested with any incidents of ownership as to insurance policies insuring your life and shall have no power and no authority over life insurance policies you may own on your Agent’s life.

5. Your Agent is your FIDUCIARY, possessing no general or limited power of appointment.

6. Your Agent shall not exercise any powers which you received from your Agent in a fiduciary capacity, and your Agent shall have no authority to exercise any powers, the exercise of which would cause any of your assets to be considered as taxable in your Agent’s estate for the purposes of the federal estate tax or the inheritance tax.

Your Agent shall have NO Power to void or modify any portion of your Financial Directive in any way whatsoever. Only the Principal may revoke or amend by written notice to all parties and only by certified mail with return receipt.

author bio - Rocco Beatrice, CPA, MST, MBA
award-winning estate planning & trust expert
MS - Taxation, Master of Science Taxation
MBA - Management / Taxation
BSBA - Management / Accounting
CPA - Certified Public Accountant
—–
Asset Protection Irrevocable Trust, Estate Planning
Financial Directive Powers: Real Property, Business, Medicaid, Taxes, Personal Property
71 Commercial Street #150, Boston, MA 02109
tel: +1.508.429.0011 fax: +1.508.429.3034

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Bona Fide, very talented Smooth Jazz artist has released his latest album titled Soul Lounge and Wow! It’s really a good one.

It’s a rare day indeed that I get a CD from an artist that I can truthfully say does not have a bad track in the bunch. I’m more than happy to announce that’s exactly what I must say about this one. There simply isn’t a bad one in the bunch. No fillers here at all.

One of the refreshingly nice things about this CD is the way all of the participating artists seem to be really enjoying themselves. Combine that with the overall presentation and you’ve got one of Bona Fide’s most impressive releases ever.

Listen to Soul Lounge and I believe you’ll find there’s not much to dis-like about it. The songs are inspired, and the production is simply outstanding. If you’re even mildly into Smooth Jazz music you’ll enjoy this album.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 6, The Journey. What a nice track!

Soul Lounge Release Notes:

Bona Fide originally released Soul Lounge on Sep 27, 2005 on the Heads Up Records label.

CD Track List Follows:

1. Bona Fide Club

2. Funk Box

3. Soul Lounge

4. Girand’s

5. Midnight Train

6. The Journey

7. Bromo Tower

8. Deep Chill

9. 23rd Of May

10. B. More Knights

11. Rosebank Gang

Bona Fide: George Hazelrigg (guitar, piano, Fender Rhodes piano, Wurlitzer piano); Kevin Levi (saxophone, keyboards); Tim Camponeschi (keyboards, bass guitar); John E. Coale (drums); Howard Zizzi (percussion). Additional personnel: Rick Aurich, Willie Williams (guitar); Chuck Loeb (electric guitar); Jimmy Wilson (flugelhorn); Joe Ercole (keyboards)

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Very talented Smooth Jazz artist Alan Hewitt has released his latest album titled Noche De Pasion and Wow! It’s really a good one.

It’s a rare day indeed that I get a CD from an artist that I can truthfully say does not have a bad track in the bunch. I’m more than happy to announce that’s exactly what I must say about this one. There simply isn’t a bad one in the bunch. No fillers here at all, with each song standing tall on it’s own.

Smooth Jazz music fans will recognize some of the well known contributors n the project including Euge Groove, Michael Lington and Mindi Abair plus a few other notables as well.

If you’re a Alan Hewitt fan this is a CD your collection flat cannot be without. In fact, this is one of those CDs that you don’t even have to be a fan of Hewitt, or even Smooth Jazz to know is good. This is just good music. Period.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 4, Sweet Thing. This is a great track!

Noche De Pasion Release Notes:

Alan Hewitt originally released Noche De Pasion on Apr 27, 2004 on the 215 Entertainment label.

CD Track List Follows:

1. Noche De Pasion

2. Breathless

3. Love Feeds The Fire

4. Sweet Thing

5. U Touch Me

6. Inside My Dreams

7. Viva La Noche

8. Captured

9. Blue Sky

10. Reminisce

Alan Hewitt Project: Shea Chambers (vocals); John DeFaria (guitar, nylon-string guitar); Euge Groove (soprano saxophone); Michael Lington, Mindi Abair (alto saxophone); Gerald Spikes (tenor saxophone); Steve Madaio (trumpet, flugelhorn); Alan Hewitt (piano, keyboards, drums, drum programming).

www.bpopark.com

Richly talented Smooth Jazz artist Chieli Minucci has released his latest CD titled Night Grooves and Wow! It’s really a good one.

Refreshingly, this was one of those CDs I was able to just pop in and comfortably listen to from beginning to end. Every track is enjoyable and was pretty easy for me to listen to from start to finish.

The nice thing about a CD like this is with this level of talent even if Smooth Jazz isn’t your favorite style you still can’t help but appreciate the greatness of the artist.

Overall Night Grooves is an outstanding release. What I call must have music. I give it two thumbs up and is most definetly a worthy addition to any Smooth Jazz collection. Truly an outstanding Smooth Jazz CD. One of those that is completely void of any wasted time, as each track is simply superb.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 6, Don’t Make Me Wait. Wow!

Night Grooves Release Notes:

Chieli Minucci originally released Night Grooves on Jan 21, 2003 on the Shanachie Records label.

CD Track List Follows:

1. Kickin’ It Hard

2. Night Grooves

3. Foolin’ Around Again

4. New Day

5. You’re My Reason

6. Don’t Make Me Wait

7. Without You

8. Behind The Veil

9. Mr. Shady Eyes

10. Nasir Di Nuevo

Personnel: Chieli Minucci (vocals, acoustic & electric guitars, keyboards, drums, programming); Philip Hamilton (vocals, percussion); Stan Harrison (alto saxophone); David Mann, Andre DeLano (saxophone); Dan Levine (trombone); Barry Danielian (trumpet); Jay Rowe (acoustic grand piano); Jerry Brooks (bass); Lionel Cordew (drums); David Charles (percussion). Partially recorded at Baci Studios, New York, New York.

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I decided to hypothetically put two people seeking professional careers, one a prospective college student, the other a truck driving school candidate, up against each other in a comparison of job training, annual salary, debt accumulation, and investment capability, while comparing time frames to similar objectives. Assuming we start this time frame with the student entering college and the truck driver entering truck driving school. The college student is seeking one of the top paid careers with a degree in any of the following: Marketing, Business Administration, Mechanical Engineering, Management Information Systems, Civil Engineering, Electrical Engineering, Computer Science, Accounting, Finance or Economics. The truck driver is just looking for a good driving job that will put him home every day with good pay.

To be fair, we will base the cost of the college student’s tuition on an average of $16,000 at an in-state public university, and about $33,000 for a private school each year for 4 years. These costs include tuition, fees, books, room and board and other expenses.

The cost of the truck driver’s training school is $1,500 to $3,500. Most schools pay for room and board and some company schools pay the student wages while they are training. Company schools will pay for training if the student agrees to work for them for one year.

Now let’s fast forward to the 3 month level from our starting point:

The college student is learning and acquiring debt. The truck driver has completed his schooling and has been making money driving for a break-in company at the rate of $35,000 a year. The driver has just got enough experience to get hired with a career company and he does.

One year and 3 months from the starting point:

The college student is still learning and acquiring debt, somewhere between $20,000 and $41,250. The truck driver has had several pay raises, and grossed over $65,000 his first year with his new company. He put $15,500 in his 401k with a handsome company match. He also put money in an IRA of $4,000 and is buying stocks. He goes home every day to the brand new house he just purchased, and is enjoying all the freedom that driving has to offer.

Two years and 3 months in:

The total debt of the college student is around $36,000 to $74,250 dollars, but he is learning. The truck driver’s gross earnings were $70,000 dollars, again topping out his 401k and an IRA for a new balance of $43,000 dollars with interest. He is making extra payments on his home and it has been appraised at a value $4,000 above original purchase price. Three years and 3 months from the starting gate:

Our college student is beginning to realize how long it is going to take to pay back those student loans. It’s a good thing he chose one of the top starting salary majors or he might be in trouble. His total debt acquired so far: $52,000 to $107,250 dollars. And our truck driver’s house value has gone up to a total of $8,000 dollars above purchase price. His investment account’s total balance is $66,250.

4years and 3months later:

Congratulations to our college student! Happy graduation! Your debt is $68,000 to $140,250, plus interest. Your starting salary as an Electrical Engineer is $54,599. Our truck driver has earned $78,000 dollars this year and his home value is up $12,500 above the purchase price. His investment portfolio balance is around $91,000 dollars.

A year later:

In the following year our college student is working and likes his new job. He is in the market for a new home, but is very limited due to the debt he has acquired. A job starting at $55,000 seemed like a lot of money when he first started school, but with the student loans to pay back it has limited him to a home below previous expectations. As much as the student would like to save for retirement, he just can’t seem to find the extra money to invest. To furnish his new home he does what most Americans do, he runs up those credit cards. Sound familiar?

Our truck driver could not be happier. He has plenty of time at work to study and learn all of the things he finds interesting. His home keeps appreciating and stocks are doing well. He has close to a $130,000 balance in his portfolio and is enjoying all his free time driving down the road listening to audio books on investing. He is getting ready to build a new custom home, and with only about five years in this industry, he can see an early retirement on the horizon.

Now if you look at the college student’s $68,000 to $140,250 debt compared to the drivers balance of $130,000 plus home equity, we have as much as a $300,000 difference at about 5 years. The student has the power of interest working against him, while the driver has the power of compounding interest working in his favor!

Being happy or successful in life is not about a title or a piece of paper. It’s about making wise decisions that can make your life smooth and stress free. Regardless of the reasoning, taking on debt is not a good plan if you want to achieve financial independence or experience true freedom in a timely fashion. It’s a person’s debt-to-income ratio, and what they do with their money that counts. In this and most scenarios, the college student will not ever catch up to the truck driver financially.

If a person can go to college for free, great! I have yet to see anything that is 100% free. Even if the college student did go to school for free, he graduates with a balance of $0. The truck driver has a handsome home and investment portfolio, with the ability to work and live anywhere in the country enjoying all the freedoms that trucking has to offer.

There is a truck driving shortage in this country that is growing larger each year. There is no shortage of people taking on and acquiring debt by going to college. Too many people just go to college, no matter the cost, because they were brought up believing it is the thing to do. The percentage of students that actually graduate and get a degree that would enable them a have starting wage of $55,000 is extremely small. Many students don’t graduate, but have the student loans to pay back anyway. Over 30% of college students leave after the first year and almost 50% never graduate, according to the Department of Education 2006.

Troy Dudenhoefer is a Top Paid Truck Driver and Author of ” How to Make $65-95,000 driving a Truck… and Be Home EveryDay”. For trucking jobs go to http://www.richtruckdriver.com

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Very talented Smooth Jazz artist Kevin Toney has released his latest album titled 110 Degrees And Rising and Wow! It’s good.

Kevin Toney has been a heavy hitter in the Smooth Jazz genre for quite some time now and 110 Degrees And Rising is an excellent illustration as to why.

Smooth Jazz music fans will recognize some of the well known contributors n the project including Ray Parker Jr., Doc Powell, and Kim Waters plus a few other notables as well.

Overall 110 Degrees And Rising is a solid release. Quite possibly Kevin Toney’s best to date. Really sensational from beginning to end. If you’re even mildly into Smooth Jazz music you’ll enjoy this CD.

My SmoothLee Bonus Pick, and the one that got Sore [...as in "Stuck On REpeat"] is track 8, Just Like The First Time. Outstanding!

110 Degrees And Rising Release Notes:

Kevin Toney originally released 110 Degrees And Rising on Aug 23, 2005 on the Shanachie Records label.

CD Track List Follows:

1. Day Trippin’

2. Ground Level Up - (with Kim Waters)

3. In A State Of Bliss

4. Quiet Conversation

5. 110 Degrees And Rising

6. Touched By You (Suite 2005)

7. It’s You And Only You

8. Just Like The First Time

9. Never Far Away

10. Going Out Of My Head

11. Prayer

Personnel include: Kevin Toney (piano, keyboards); Craig T. Cooper, Tarigh Akoni (guitar); Ray Parker Jr. (acoustic guitar); Doc Powell (classical guitar); Charles Owens (flute, clarinet, bass clarinet); David Mann (saxophone, keyboards, programming); Kim Waters (saxophone, synthesizer, programming); Gerald Albright, Andre Delano (saxophone); Phil Davis (synthesizer, programming); Alex Al (bass instrument); Mike Smith (percussion); Slick, Tony Joseph, Greg Ripes (programming). Recording information: K-Tone, Chatsworth, CA; B-Square, North Hollywood, CA.

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