Byline: By danny hakim section: Section B; Column 0; Metropolitan Desk; Pg. 1 Length

URL: http://www.nytimes.com
SUBJECT: ART & ARTISTS (91%); ARTISTS & PERFORMERS (90%); MUSEUMS & GALLERIES (90%); ARTS FESTIVALS & EXHIBITIONS (90%); PHOTOGRAPHY (79%); PAINTING (79%); VISUAL & PERFORMING ARTS (79%); EXHIBITIONS (78%); PUBLISHING (70%); ENTREPRENEURSHIP (70%); CITY LIFE (64%); CITIES (64%); DOCUMENTARY FILMS (64%); DOGS (73%); ACTORS & ACTRESSES (70%)
GEOGRAPHIC: NEW YORK, NY, USA (90%) NEW YORK, USA (90%) JAPAN (93%); UNITED STATES (90%)
LOAD-DATE: March 28, 2008
LANGUAGE: ENGLISH
DOCUMENT-TYPE: Schedule
PUBLICATION-TYPE: Newspaper

Copyright 2008 The New York Times Company

932 of 1231 DOCUMENTS

The New York Times
March 28, 2008 Friday

Late Edition - Final

Paid Notice: Deaths EDWARDS, JUNIUS
SECTION: Section B; Column 0; Classified; Pg. 7
LENGTH: 305 words
EDWARDS--Junius, 78, died peacefully at home in New York City on March 22, 2008. He is survived by his beloved wife of 50 years, Inger Marie, his two sons, Eric and Tony, his daughter Ellen, four grandchildren, and one greatgrandchild. Born in 1929 in Alexandria, Louisiana, Junius Edwards joined the Army at 18, served for nine years in Korea and Japan, and worked in the Judge Advocate General Corps and the Army Counter Intelligence Corps. After his honorable discharge he went to study at the University of Oslo, Norway using his GI Bill, where he continued to pursue his passion for writing.

In 1958 he won first prize in the Writer's Digest Short Story Contest for ''Liars Don't Qualify'' and in 1959, he received a Eugene F. Saxton Fellowship for creative writing. His published work also includes short stories ''Duel with the Clock,'' ''Mother Dear and Daddy,'' and the novel ''If We Must Die''. His writing primarily focused on racial and personal problems faced by the African-American soldier and African-Americans living in the South. During the 1960s in New York, Junius Edwards worked as a copywriter for various advertising agencies such as Ogilvy & Mather, Ted Bates Inc., and Norman, Craig, & Kummel. He went on to establish Junius Edwards Inc., one of the first blackowned advertising agencies in New York City with clients that included Carver Federal Savings Bank, Faberge, Liggett & Myers, and The Greater New York Savings Bank. He later worked as a consultant and Special Fellow for United Nations Unitar, while also expanding into several entrepreneurial endeavors in the health, travel, publishing, and airline industries. We, your adoring family, thank you for being a wonderful and inspiring man, a great father, and loving husband.We love you Papa. Messages of condolence can be sent to [e-mail]

URL: http://www.nytimes.com
SUBJECT: DEATHS & OBITUARIES (92%); MARKETING & ADVERTISING AGENCIES (90%); WRITERS & WRITING (90%); NOVELS & SHORT STORIES (90%); ARMIES (90%); AFRICAN AMERICANS (90%); MILITARY & VETERANS LAW (76%); CREATIVE WRITING (75%); AWARDS & PRIZES (71%); MARKETING & ADVERTISING (67%); ENTREPRENEURSHIP (50%); PUBLISHING (73%)
COMPANY: CARVER BANCORP INC (66%); GREATER NEW YORK SAVINGS BANK (66%); OGILVY & MATHER WORLDWIDE (55%)
TICKER: CARV (NASDAQ) (66%); GRTR (NASDAQ) (63%)
GEOGRAPHIC: NEW YORK, NY, USA (90%); OSLO, NORWAY (56%) NEW YORK, USA (94%); LOUISIANA, USA (90%) UNITED STATES (94%); NORTHERN ASIA (92%); JAPAN (91%); NORWAY (79%)
LOAD-DATE: March 28, 2008
LANGUAGE: ENGLISH
DOCUMENT-TYPE: Paid Death Notice
PUBLICATION-TYPE: Newspaper

Copyright 2008 The New York Times Company

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The New York Times
March 27, 2008 Thursday

Correction Appended

Late Edition - Final
A Builder Pushes Cities Ever Higher
BYLINE: By MARTIN FACKLER
SECTION: Section C; Column 0; Business/Financial Desk; Pg. 1
LENGTH: 1312 words
DATELINE: TOKYO
Minoru Mori, Japan's most prolific developer, will finish the world's tallest building in May. Many of his colleagues might consider the 101-story Shanghai World Financial Center the crowning achievement of a long career. But Mr. Mori has lots of plans for a 73-year-old.

As president of the Mori Building Company of Tokyo, he has remade the city's skyline with half a dozen high-rises, including a $4 billion megacomplex over 27 acres, Roppongi Hills.

Now, he is fielding offers to build skyscrapers like the Shanghai center in Bangkok and Singapore. And he is planning to build or help build 10 more huge complexes like Roppongi Hills in downtown Tokyo, including one that could be Japan's tallest, over the next 10 to 15 years.

He is also talking to Chinese and Middle East sovereign wealth funds about raising tens of billions of dollars to finance the projects.

At a time when urban planners in the West frown on hulking high-rises as forbidding, Mr. Mori presents a new Asian urban sensibility, where architecture reflects soaring economic ambition, leading to mighty projects that dwarf the individual.

''Asia is different from the United States and Europe,'' Mr. Mori said in an interview in his Roppongi Hills office. ''We dream of more vertical cities. In fact, the only choice here is to go up and use the sky.''

Even in a region where some builders churn out skyscrapers in a way that products might come off an assembly line, Mr. Mori's have stood out. His projects have won attention and their share of controversy for their great impact and scale, helping make him one of the few real estate investors in Asia known by name, like the Hong Kong billionaires Stanley Ho and Li Ka-shing.

By focusing on a few long-term projects, and shunning speculative buying and selling, his company escaped the real estate bubble of the 1980s and its collapse soon thereafter.

Mr. Mori's unlikely career began when he set aside an existentialist novel he was working on in 1959 to join his father's fledgling real estate business.

Over the next half-century, the family-owned Mori Building grew from a single rice shop into a $12 billion empire of 121 structures, most around the southern Toranomon-Roppongi international business district of Tokyo.

''I shifted from writing literature to making buildings,'' said Mr. Mori, who played a leading role in the company even before formally taking over from his retiring father, Taikichiro, in 1993. ''Both are creative efforts, and attempts to enrich people somehow.''

These days, Mr. Mori, soft-spoken and earnest with wire-rimmed glasses and snow-white hair, exudes the air of a university professor rather than a real estate mogul. But the Mori clan, which has included his two brothers, elbowed its way to the top of an insider-dominated business, competing with industrial groups and politically connected construction companies.

Real estate specialists say the Moris succeeded by reading the future better than their rivals, and putting up buildings that fit the needs of a fast-developing Japanese economy.

The family business attracted global tenants by constructing some of the city's first modern office buildings; the first 45 had numbers instead of names. In the 1980s, Mr. Mori steered the family toward building high-rise complexes, helping earthquake-prone Tokyo overcome its fear of skyscrapers.

Projects can move slowly in Japan, and Roppongi Hills and Mr. Mori's first big high-rise complex, Ark Hills, which opened in 1986, each took 17 years to complete. Much of that time was spent cutting through red tape and persuading hundreds of reluctant residents to move.

Even in the 1990s, when land prices were tumbling, he persuaded banks and investors to lend him billions of dollars for his projects. But his heavy borrowing loaded the company with debt around $8 billion, almost six times annual revenue.

Mr. Mori's willingness to use debt led to a parting of ways with his younger brother, Akira, who started his own real estate company, Mori Trust. The oldest brother, Kei, died in 1990.

Within his company, Mr. Mori is known for both long-term vision and a preoccupation with small details. At a recent meeting to plan a 46-story building -- one of his 10 new complexes -- he spent most of an hour discussing what type of landscaping would best attract fireflies and keep away crows. And he is about to begin construction of a skyscraper in Tokyo that, when completed in 2012, will have taken more than 28 years to finish.

His patience has paid off overseas. The Shanghai tower required 14 years, with long interruptions from the Asian financial crisis of 1997-8 and the terrorist attacks in New York and Washington in September 2001.

The building in Tokyo, when completed late in May, will briefly hold the title of the world's tallest before a higher one is finished later in the year in Dubai.

With Mr. Mori's successes have come detractors. Japanese nationalists accuse him of cozying up to foreigners because he has so many international tenants. Preservationists assail his skyscrapers for destroying Tokyo's traditional low-rise feeling. Academics call him outdated for wanting to erect monolithic high-rises at a time when smaller-scale, pedestrian-friendly developments are in vogue among urban planners.

''Mr. Mori has been remarkable in his ability to bring a strong vision to a city that has otherwise lacked an overall vision,'' said Junichiro Okata, a professor of urban planning at the University of Tokyo. ''Whether Mr. Mori has brought the correct vision or not is an entirely different matter.''

Controversy has also surrounded the best-known development, Roppongi Hills, with its 54-story barrel-like office tower. When it was completed in 2003, the opulent complex -- which includes fashion boutiques, condominiums and a television studio -- was heralded as a symbol of the end of Japan's ''lost decade.'' But it soon turned into a symbol of the excesses of Japanese revival, when its most famous tenant, a Ferrari-driving Internet entrepreneur, Takafumi Horie, was arrested for insider trading.

Still, Mr. Mori seeks to reach higher. Of his 10 new complexes, he said one might include a skyscraper nearly 1,100 feet high. Some of the complexes are already in the planning stages, while others may be built by different developers with Mori Building's help, he said.

The complexes would be centered on a new tree-lined boulevard the city is to build through the Toranomon district by 2011. The road is known informally here as the MacArthur Highway because it was first proposed during the occupation of Japan after World War II that was presided over by Gen. Douglas A. MacArthur.

Mr. Mori says his aim is to replace Tokyo's chaotic, low-rise industrial-era neighborhoods with a more modern and convenient urban environment suited to knowledge-based enterprises like finance and software.

He still shows a flash of the frustrated philosopher, calling his recent buildings ''vertical garden cities,'' a term referring to multiple-use high-rises surrounded by green space that he borrowed from his favorite architect, Le Corbusier. Mr. Mori keeps a collection of 300 paintings and sketches by Le Corbusier, who died in 1965, in a private museum atop Roppongi Hills.

He is also fond of adding artistic flourishes to his buildings. The Shanghai tower has a rectangular hole on top so that it resembles a huge bottle opener. His Omotesando Hills shopping center in Tokyo has an artificial brook, while the Moto-Azabu Hills tower broadens at the top to look like an upside-down bottle.

Not everyone approves. ''Mr. Mori knows these kind of projects better than anyone,'' said Yuichi Fukukawa, a professor of urban planning at Chiba University. ''It's scary, but if he wants to fill Tokyo with more Roppongi Hills, he can do it.''
URL: http://www.nytimes.com
SUBJECT: REAL ESTATE (89%); LAND USE PLANNING (78%); CONSTRUCTION (78%); INTERVIEWS (76%); WEALTHY PEOPLE (75%); REAL ESTATE INVESTING (68%); WRITERS & WRITING (65%); COLLEGE & UNIVERSITY PROFESSORS (50%)
GEOGRAPHIC: TOKYO, JAPAN (92%); BANGKOK, THAILAND (79%) JAPAN (93%); ASIA (90%); HONG KONG (79%); UNITED STATES (79%); THAILAND (79%); MIDDLE EAST (79%); SINGAPORE (79%); EUROPE (75%)
LOAD-DATE: March 27, 2008
LANGUAGE: ENGLISH
CORRECTION-DATE: March 31, 2008

CORRECTION: An article on Thursday about Minoru Mori, Japan's most prolific developer, attributed an erroneous distinction to one of his buildings. The Taipei 101 in Taiwan is currently the world's tallest building, not Mr. Mori's 101-story Shanghai World Financial Center. (His building does have the tallest roof height at 492 meters, but a spire on the building in Taipei makes it taller, at 508 meters.)
GRAPHIC: PHOTOS: Minoru Mori with a scale model of every building, park and road in central Tokyo. Top, Mori Tower in the 27-acre multiple-use complex Roppongi Hills. (PHOTOGRAPHS BY, ABOVE, TORIN BOYD/POLARIS, FOR THE NEW YORK TIMES

TOP, HARUYOSHI YAMAGUCHI/BLOOMBERG NEWS) (pg.C1)

The Omotesando Hills complex in Tokyo has many shopping levels and an artificial brook. (PHOTOGRAPH BY KYODO, VIA REUTERS) (pg.C4)
PUBLICATION-TYPE: Newspaper

Copyright 2008 The New York Times Company

934 of 1231 DOCUMENTS

The New York Times
March 27, 2008 Thursday

Late Edition - Final

The Hunt for Health Insurance For Those Who Are Self-Employed
BYLINE: By MARCI ALBOHER
SECTION: Section C; Column 0; Business/Financial Desk; SHIFTING CAREERS; Pg. 5
LENGTH: 1174 words
IF there is one issue that divides the self-employed from all other employees, it is their preoccupation with the subject of health insurance.

I was reminded of this on Feb. 14, when I wrote a post on the Shifting Careers blog asking small-business owners and would-be entrepreneurs what they were doing about health insurance. Within hours, scores of people posted comments about their own experiences and, if they had managed to find good resources, shared those. I have been reading e-mail messages and trying to make sense of the subject ever since. In short, it is not pretty out there.

A 43-year-old woman wrote about going without insurance in the first year of her business. ''I lived in terror of needing a doctor visit or worse yet, lab tests or something more,'' she said. She then moved to an H.M.O. for sole proprietors through a local chamber of commerce. The cost of that plan, which she said was $171 a month in 2001, has now risen to $500 a month. At the same time, she wrote, co-payments have increased and services have been cut.

That woman's experience reflected the exasperated tone of several of the other writers. Many entrepreneurs seem to find health insurance after doing a lot of research, though they generally pay more than they think they should. Some who are in good health bet on remaining that way and forgo health insurance or get policies with low premiums and high deductibles, choosing to insure themselves for mostly catastrophic illness. Some are lucky enough to have a well-insured partner.

The unluckiest are those with chronic illnesses or the dreaded pre-existing condition that results in a denial of coverage. Many of these people abandon dreams of entrepreneurship altogether because they need jobs that come with a health plan and they cannot find a way to self-insure.

The comments also revealed that the health care system is a state-by-state patchwork, with options varying based on where you live. A 60-year-old owner of a mail order business from Illinois wrote that she was unable to get insurance until about 10 years ago when Illinois started a high-risk pool with Blue Cross Blue Shield.

A woman in business with her 57-year-old husband wrote to say that her husband is presently uninsured because, as a diabetic with high blood pressure, she cannot find an insurance company in Florida that will cover him. The stories go on. There were reports from Americans happily insured while living in Europe and Canada. And, of course, there were numerous pleas to Washington.

Jennifer Jaff, a reader who happens to be an expert on health insurance issues, shared a valuable tool, healthinsuranceinfo.net. The site, maintained by the Georgetown Health Policy Institute, shows a map of the country and after clicking on a state, a document is downloaded that covers everything from what kinds of programs are available to small-business owners to whether there is a high-risk pool available for those who have been rejected by insurance providers. These primers are comprehensive and frequently updated, and they are a great place to start, especially if you have been wondering about the meaning of jargon that peppers insurance providers' descriptions of their offerings.

Many readers shared recommendations based on where they buy their insurance. Popular sources were local chambers of commerce, the Small Business Service Bureau (sbsb.com), AARP (aarp.org) (for those over 50), local chambers of commerce, industry-specific trade associations like a bar association or the Institute of Electrical and Electronics Engineers. In states that permit it, small-business owners can also start a group with as little as one member. In that case, a good insurance agent comes in handy.

For the reasonably healthy who know what they are looking for, ehealthinsurance.com got fairly good reviews. The site, which has the feel of an Expedia or Orbitz for purchasing health insurance, allows you to compare a variety of policies offered through about 70 insurance providers. One caveat, pointed out by several readers, is that ehealthinsurance.com does not serve consumers in all states. Rhode Island, Vermont, Massachusetts, Maine and North Dakota are excluded. The company also covers only individuals. So if your company has employees, you will need to explore other options, like starting a group if your state permits that.

Another possibility for consultants and independent workers is the Freelancers Union, which won consistently good reviews in the reader comments. But the union also has some limitations. It operates in only 30 states, and you have to work in one of the industries or occupations it serves.

While healthy business owners have to incur high costs and navigate a maze of choices, the truly unhealthy face the biggest challenges.

To learn more about options for those whose health is getting in the way of their self-employment, I spoke with Jennifer Jaff, the woman who directed me to healthinsuranceinfo.net. Ms. Jaff, a lawyer who has worked on legal issues surrounding health care in both the public and private sector, now runs Advocacy for Patients With Chronic Illness (advocacyforpatients.org), a nonprofit organization in Farmington, Conn., that advises and advocates on behalf of the chronically ill. She says she works with about 1,000 patients a year, handling everything from battles to get insurance companies to pay for treatments prescribed by patients' doctors to helping people figure out the best coverage.

Ms. Jaff speaks from experience. She suffers from Crohn's disease, a condition so severe that she does not leave her house during flare-ups except to get to a doctor's appointment or to the hospital. She wanted to find something she could do out of her home and as she went through the challenge of finding her own health insurance, she discovered what she calls ''a community of patients in desperate need of help.''

Ms. Jaff qualified for the Municipal Employees Health Insurance Program, offered by Connecticut to cover small-business owners as part of a plan for state employees. She knew about the plan, which she recommends to all small- business owners in Connecticut, from her days as a lawyer in the attorney general's office. Even with her extensive experience, Ms. Jaff has not been able to find the holy grail -- good coverage at a great price. When she started on this insurance, her premium was $400 a month. Last year, the monthly payment went up to $800.

''I don't know if people who don't have chronic illnesses can really understand this,'' she said. ''But I have worked full time my entire adult life -- generally 15 to 18 hours a day. I have paid into the system for all those years. And there is only one thing that could bankrupt me, and it is my health. I could lose every penny I own from one serious hospitalization without insurance. So I chose the plan that would give me the most possible coverage because the year I don't is going to be the year I get really sick.''

URL: http://www.nytimes.com
SUBJECT: HEALTH INSURANCE (93%); SMALL BUSINESS (90%); SELF EMPLOYMENT (90%); ENTREPRENEURSHIP (90%); DISEASES & DISORDERS (88%); HEALTH CARE POLICY (78%); INSURANCE (78%); SELF INSURANCE (78%); BLOGS & MESSAGE BOARDS (77%); WOMEN'S HEALTH (75%); DENIAL OF INSURANCE COVERAGE (73%); RESEARCH (73%); ELECTRONIC MAIL (70%); HEALTH CARE (68%); HEALTH MAINTENANCE ORGANIZATIONS (66%); MAIL ORDER RETAILING (55%); SOLE PROPRIETORSHIPS (73%)
GEOGRAPHIC: FLORIDA, USA (79%) UNITED STATES (92%); CANADA (79%); EUROPE (50%)
LOAD-DATE: March 27, 2008
LANGUAGE: ENGLISH
GRAPHIC: PHOTOS: Jennifer Jaff, director of Advocacy for Patients With Chronic Illness, helps people figure out how to get the best insurance coverage and how to get companies to pay for medical treatment.

Entrepreneurs with health problems have a hard time getting insurance. Above, some of the pills Ms. Jaff takes for Crohn's disease, and some of her thank-you notes from people she has helped. (PHOTOGRAPHS BY CHRISTOPHER CAPOZZIELLO FOR THE NEW YORK TIMES)
PUBLICATION-TYPE: Newspaper

Copyright 2008 The New York Times Company

935 of 1231 DOCUMENTS

The New York Times
March 27, 2008 Thursday

Late Edition - Final

Take a Room. Fix It Up. Showpiece!
BYLINE: By SUSAN STEWART
SECTION: Section E; Column 0; The Arts/Cultural Desk; TELEVISION REVIEW; Pg. 3
LENGTH: 573 words
The democratization of taste continues with ''Myles of Style,'' a decorating show that began this month on HGTV. The host is Kim Myles, a bubbly self-taught designer who believes in empowerment. ''Unlock your imagination!'' is her catchphrase. Watch enough design shows, and you may decide that some imaginations should stay locked up, as should some homeowners.

But not Ms. Myles, who got this gig by winning the HGTV reality show ''Design Star.'' She always improves her clients' habitats, and possibly their lives. Granted, a broom and a dustpan alone would have improved the room in the episode on Thursday night: a home office and junk repository belonging to Darren and Michelle, married entrepreneurs. Center stage is an armchair in cheetah fabric, chewed up by the pet dog. (Did it think the chair was alive?) The dog should get its own design show; destroying this chair was a good move.

Working with the homeowners for a week, with an unspecified but clearly modest budget, Ms. Myles moves desks around, paints walls in three shades of yellow, supervises the stenciling of a rug in a cherry-blossom design and oversees the transformation of a mirror with black lacquer paint and dozens of chopsticks, painstakingly glued on, in sunburst-fashion (sort of) by the enthusiastic couple.

Ms. Myles takes Darren on a photo shoot. He holds the camera; she tells him where to point it. Eventually his work hangs on the office wall. ''I didn't know that taking a picture of a little dirt and a stick and a rock could look that amazing,'' Darren says.

Amazing? The photo is slick in its classic black frame and oversize white mat, but about as individual as an accessory in a furniture showroom. This is the ''Trading Spaces'' school of home decor, where clean lines and craftiness abound, and everything looks as if it were bought -- or spray-painted -- yesterday. It's the full Pottery Barn.

Nothing wrong with that. In terms of mental health it's probably better to embrace the hip temporality of HGTV's sleek rooms than, say, the overstuffed elegance of the '80s, when millions of Americans aspired to live in faux English manor houses.

Ms. Myles is upbeat and does her part to keep us conversant with decorator jargon. A former hairdresser in Queens, she knows her stuff, throwing around phrases like ''elegant eclecticism'' and ''task lamp'' with aplomb.

Eclectic is fine -- it's better than a matching bedroom suite -- but I'd like to see one of these shows celebrate a room that's organic, that matures with the people who live in it, that looks settled and has some history, with colors that aren't this year's flavor. And would it be too much to see a room with books in it?

Neither the home office that Ms. Myles designs on Thursday nor the ''boutique hotel'' bedroom she gave a couple last week appears to harbor a single book. In the decorating era that preceded this one, designers sometimes bought yards of old volumes to add atmosphere. As odious as this practice was, a modest row of books might add a certain something to Ms. Myles's zany spaces. At least they would give the task lamp a task.

MYLES OF STYLE

HGTV, Thursday night at 8:30, Eastern and Pacific Times; 7:30, Central time.

Kim Myles, host; Jennifer Davidson, Tara Sandler, Scott Templeton and Betsy Allman, executive producers; Matthew Eason, series supervisor; Kent Llewellyn and Jerry McNutt, series producers; produced by Pie Town Productions.