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• Florida firm helps merchants lower credit card fees

  Dealing directly with credit card processors on behalf of businesses, Palm Beach Merchant Services helps merchants lower their credit card fees.

• BOOTSTRAP MARKETING

  Marketing: Looking back to see ahead

  Yes, we're in the midstof a communications revolution. Undeniably the Internet is having a far-reaching impact on our culture, commerce and marketing. The personal use of digital tools by people in every walk of life has grown beyond belief.

• Editor's note: Corporate gift-giving requires discretion

  Most of us in business roles have been on the receiving end of holiday gift-giving. But in these wobbly economic times, are holiday gifts still expected and necessary? Are they even appropriate?
• 

  Oasis: World's largest ship arrives

  On a brisk October morning amid the clink of champagne glasses, Richard D. Fain took ownership of the $1.4-billion Oasis of the Seas on the southwest coast of this nation where shipbuilding is a proud tradition.

• HOSPITALITY

  Low-frills hotels have advantage in downturn

  No room service? No waiters? No problem. Developers of limited-service hotels say they're hurting, too, but feel braver about jumping into a rocky lodging market.

• Broker asks: Where were the regulators?

  Muriel `Mickie' Siebert shares her insights on the market, the economy and what the U.S. needs to do to regain its financial footing.

• Real estate listings from Michael Y. Cannon

  HIALEAH

  OFFICE BUILDING

  SELLS FOR $675,000

  Location: 2899 W. 4th Ave.

  Seller: First States Investors 4200, LLC, represented by Allan B. Rothschild, vice president.

• Sandy's Super Suds irons out details for website

  Sandra Bonner's laundry service is up and running. Now Sandy's Super Suds needs a website.

• Bankruptcies

  Recent bankruptcies for the Southern District of Florida

• REPORTER'S NOTEBOOK

  Devoted army creates Oasis' grandeur

  When I visited the Oasis of the Seas the day before she was delivered to Royal Caribbean International at the STX Europe shipyard

  in Turku, Finland, the first thing that surprised me -- aside from the jaw-dropping size -- was the bustling crowd of Royal crew members who already were working like a colony of ants on the ship.

• With help, bead firm has world on a string

  Bijoux Design Creations, hurt by the recession's toll on discretionary spending, learns how to help its sales sparkle.

• Movers

  High-level promotions and new hires in South Florida

• SMALL BUSINESS

  Moms stitch together winning business

  Two moms come up with doll-adorned denim jackets for girls that are both fun to wear and great for playing dolls and dress-up.

• Agenda: Business happenings in South Florida

  MONDAY

  Broward County Property Appraiser's Community Outreach Program: Deputy appraisers assist with Homestead and other property tax exemption applications, answer questions on property taxes and accept applications for portability at the outreach events in the county; through Nov. 26; free. 954-357-6035 or www.bcpa.net:

• The making of an entrepreneur

  Nurturing an entrepreneurial culture is all the talk right now as an antidote for the ailing economy.

• SUNSHINE INDUSTRIES

  Doctors embrace social networking

  In the waiting room, the patient's family members circled a Blackberry. About every 15 minutes, Dr. Carlos Wolf of Miami Plastic Surgery gave them a few keystrokes of information about how the patient was doing.

• Forecasting the future for a stormy economy

  Renowned economist David Wyss takes a look at current economic trends and what they mean for the future.
• 

  SMALL BUSINESS

  Vending firm satisfies hunger for healthy snacks

  Jennie Albano initially went on the game show Don't Forget the Lyrics because she wanted to sing in front of a live band. Winning money didn't even cross her mind.

• Turnaround strategy of boss is a turn off for employees

  Q: Our new CEO dictates orders without getting input from experienced staff and intimidates people by yelling at them in meetings. He was brought in because sales are dropping and the company is losing money.

• Movers

  High-level promotions and new hires in South Florida

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