Today's money tip: Which mortgage makes sense for you often depends on how long you plan to stay in the house. Since more upfront costs come with a lower rate, you'll pay less in the long run paying more in points and closing costs. But no-cost mortgages with a slightly higher interest rate are probably better for those only staying a few years in the house. You won't have enough years of lower monthly payments to make up for the upfront savings.

Today's career talk: Bosses who want to change the direction of their organization need to communicate the message time and time and time again, Jennifer White saysin her book Drive Your People Wild Without Driving Them Crazy. "Employees need to experience the message at least three times before they do anything with it. Most leaders make the mistake of sharing their goals or strategic intentions once with their team at the annual staff retreat," she says. "When you have 200 e-mails to read, deadlines you're trying to meet and your phone is ringing off the hook, who can remember the boss' goals for the year? No one."

Today's company: Pax Corrugated Products Inc.

PACKAGE PRODUCERS: In February 2003, Pax will celebrate its 12th year in business. The manufacturer's products, originally used by producers of durable goods, are currently more geared to the pharmaceutical and food industries. Pax also makes point-of-purchase displays. While most customers are within a 100-mile radius of Pax's Lebanon plant, the company has expanded its range to include Maryland, Pennsylvania, Colorado and Florida.

STRATEGIC GROWTH: By shifting its customer focus, Pax has managed to maintain growth over the past 10 years despite the shrinking industrial market. The company employs 36 workers and runs one shift plus overtime.

ACRES OF PRODUCT: During each 20-day period Pax produces 10 million square feet of corrugated product, enough to cover 2400 acres.

NEW SOURCES OF SUPPLY: Because of the cost of labor, Pax's suppliers increasingly import their paper from Scandanavia and Asia.