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Are you
reaching all of
your market?
^
By Stan Elias
A great many on-line mar-
keters, otherwise savvy in
the ways of e-commerce,
are neglecting a segment
of their potential market
that is relatively small now,
but which will undoubtedly
become highly significant in
the not-too-distant future
The US population is
aging. The leading edge of
the baby boomers is turn-
ing 60 this year. And while
this cohort ishealthierthan
any of its predecessors ,
the aging process, they are
discovering, can be slowed
but it cannot be stopped.
The Census Bureau says
36 percent of people age
55 to 64 have a disability.
Nevertheless, more seniors
than ever want to lead active
lives and continue working
beyond 65.
Consider that age can
bring on sensory, motor and
cognitive deficits of widely
varying degrees of severity
Consider also that many,
but certainly not all, in this
cohort are comfortable with
doing business over the In-
ternet and have the means
to enjoy their later years.
The millions of people with
disabilities who want and
need to use technology have
an estimated $175 billion in
disposable income and are
potential customers Would
it not make sense to make
the Internet in general -
and your site in particular
- easier for them to use?
Consider alsothe segment
of the population whose
deficits are so severe that
the Internet isvirtuallytheir
only window on the world.
The limitationsthesepeople
may face in the real world
disappear in cyberspace.
They canshop anywhereand
buy anything able-bodied
people can - if merchants
have the foresight to design
Web sites that address and
accommodate their issues.
Older adults must often
cope with sensory, motor
and cognitive changes that
limit their ability to utilize
the Internet fully.Decreases
in visual acuity, contrast
discrimination and color
perception; arthritis, trem-
ors and partial paralysis;
memory impairments and
attention deficits are all too
common in this age group.
The obvious problems -
small font sizes, font colors
that provide inadequate
contrast , background im-
ages that interfere with font
legibility and the small size
of some scroll bars -are easy
to recognize and remedy.
Changing the underly-
ing design of the site often
proves more difficult and,
until now, has not offered
an increase in potential
market size large enough
to make the redesign in-
vestment cost-effective.
People with disabilities are
often forgotten as design-
ers and developers strive to
meet deadlines and surpass
competitive requirements.
Thus, they cannot partici-
CONTINUED ON PAGE A:10
Techfc
But 1 to 3 a.m.
closure likely
to continue for
Mid-Cape Mobil
By Edward F. Maroney
emaroney@barnstablepatriot.com
EDWARD F MARONEY PHOTO
OPEN CONVERSATION - Police Chief John Finnegan, right, chats with
attorney Mike Crossen , left, and Crossen's client, Saeed Chaudry,
operator of the Mid-Cape Mobil on Route 6 in West Barnstable.
You can Stop & Shop, but
you can't park and gas.
The supermarket chain won
permission this week from Town
Manager John Klimm to stay
open from 1 to 3 a.m. at its
Hyannis and Marstons Mills
location. Klimm granted the
exemption after a hearing at
town hall Monday.
Remaining unresolved is the
request ofSaeed Chaudry,opera-
tor of the Mid-Cape Mobil gas
station at Exit 6 off Route 6 in
West Barnstable, for a similar
exemption to a town regula-
tion requiring businesses to
shut down during those hours.
Klimm said later this week that
the request remains "under
advisement."
The rule wasput into effect by
the councilat the urgingof Police
Chief John Finnegan,who found
that crowds were congregating
at convenience stores and other
locations in Hyannis after the
bars and restaurants closed for
the night.
The department was OK with
Stop & Shop's request , noting
the lack of wee-hour complaints
regardingthe two stores,but ad-
vised against granting the same
privilege to the gas station.
Representing Chaudry, at-
torney Mike Crossen said his
client was between "a rock and
the whirlpool" because his lease
with the state requires that the
station be open 24 hours a day.
He noted that the station does
not sellany food or drinks, does
not abut residences, and has a
minimal impact on noise and
traffic.
In fact, Crossen indicated ,
the station is a lifesaver for
Mid-Cape Highway drivers who
run low on gas in the middle of
the night.
Finnegan urged the town
managerto maintainthe closure.
"Eventhough thisestablishment
doesn't serve food,"he said, "we
lose our ability to arrest people
for trespassing because they're
open."
The nearby Burger King and
convenience store were after-
hours attractions for crowds
until they started observing
the closure, but Finnegan said
people can gather at the Mobil
for extended periods as long as
they say they eventually plan
to buy gas.
Crossen said he appreciated
the chief's concerns, but sug-
gested that posting no-loitering
signs would cure that situation.
"A vacant parking lot is more
likely to attract crowds than a
gas station," he said.
Crossen and Stop & Shop
attorney Mike Ford agreed with
a request from Town Attorney
Bob Smith to waive a 14-day
notice period if their clients
were granted exemptions and
then were the subjects of police
concerns.
In his presentation , Ford said
the two Stop & Shop stores
were "not the type of business
that attracts the crowds that
seem to be the subject of this
ordinance. "
As of press time. Klimm had
not announced a decision on the
Mobil request.
Stop & Shop can pull an all-nighter
Federal funds used
for energy upgrades
in Hyannis house
By Edward F. Maroney
emaroney@barnstablepatnot.com
EDWARD F MARONEY PHOTO
EFFICIENCY EXPERTS - Janel
Hoover stands outside her Hyannis
home with Marc Campbell of
Housing Assistance Corporation
to greet visitors from the regional
office of the U.S. Department of
Housing and Urban Development.
Campbell has overseen a raft of
energy-efficiency upgrades at
the house.
EDWARD F MARONEY PHOTO
THE LAYERED LOOK -Marc Campbell of HousingAssistance Corporation
reveals the levels of insulation that keep a Hyannis house comfortable
in all seasons.
Finding a house that quali-
fies as affordable is hard
enough these days, but keep-
ing it that way can be a
struggle, too.
One way to maintain afford.-
ability is to put the squeeze
on drafts , leaks and other
bugaboos that lower ahome's
energy efficiency and increase
the owner'sutility costs. This
week , Taylor Caswell , re-
gional director of the federal
Department of Housing and
Urban Development , came
to Hyannis to see how his
agency 's money was being
spent.
Caswell and associates took
a bus to the Hyannis home of
Janel Hoover, ayoung woman
who purchased her house
with the help of Housing As-
sistance Corporation. HAC's
involvement didn't cease with
the signing of the mortgage ,
however.
Enter Marc Campbell, an in-
spector for HAC's energy and
home repair programs. He's
put in lots of time locating
problem areas and overseeing
their remediation with HUD
dollars. His goal: an efficient
thermal barrier that keeps
warm air in and cold air out.
All-new insulation has been
installed in the unfinished at-
tic, alongwith a highly energy-
efficient bathroom fan on the
first floor and a basement door
that blocks breezes blowing
through the bulkhead.
For Hoover and her little
son Cole, owning a house is
a dream come true. Sne just
CONTINUED ON PAGE A:11
Homeowner, HAC
partner to improve
affordable home
Whatever your investment needs and goals are, CDs can
help you pursue them.
Term Interest Rate Annual Percentage Yield (APY)*
3 Month 5.00% 5.09%
6 Month 5.25% 5.32%
9 Month 5.35% 5.39%
1 Year 5.45% 5.45%
18 Month 5.50% 5.50%
CDs available through our Firm feature:
• Safety of principal: FDIC insured up to a maximum of $100,000
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ranging from 3 months to 20 years
• Survivor's Put Option': In the event of the death of a CD
holder, the decedent's estate may withdraw the CD from the
bank at par plus accrued interest
For information, call:
60 North Street, Hyannis, MA 02601
508-778-5600 800-444-7949
104 Crowell Road, Chatham, MA 02633
508-945-3200 800-863-9527
15 The Market Place, West Chatham, MA 02669
508-945-5800 800-642-4298
•The APYs cited above are as of 07/17/06 and are subject to change and
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UBS Financial Services Inc. does not provide tax or legal advice. Please
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Redemptions of CDs prior to the maturity date may result in significant loss
of principal due to changes in interest rates and limited liquidity of the CDs
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depository institution and a minimum deposit of $1,000 is required. Interest
paid on the CD cannot remain on deposit at the depository institution and
will be paid to the depositor according to the terms of the CO.
"In non-retirement accounts, interest and principal are insured by the
Federal Deposit Insurance Corporation up to $100,000 for all deposits
held in the same legal capacity at the same depository institution. In
IRAs, self-directed 401(k) plans, Keogh plans and Section 457 plans.
Interest and principal are insured by the Federal Deposit Insurance
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Tuesday July 25th from 11am to 4pm
OSTERVILLE. 21 Wianno Avenue (508) 428-2270
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