Today's number: 55

Percentage of American workers who are negative about their workplace, according to a new poll of 1,100 workers at 300 mid- to large-sized companies.

Today's mover:

Dawne Ferland has been named personal financial specialist/financial consultant at A.G. Edwards & Sons Inc., Blue Ash office. Ferland was financial advisor at Prudential Securities. She is a University of Rhode Island graduate of financial planning.

Shirley Dees

Today's money tip:

You can save up to $40,000 annually if you're self-employed and open a SEP-IRA. Some contributions are tax-deductible and earnings grow tax-free. To get the deduction, the account typically must be set up and funded by April 15, the tax filing deadline.

Amy Higgins

Today's career tip:

In Put the Moose on the Table: Lessons in Leadership from a CEO's Journey Through Business and Life by Randall Tobias, the former chairman, president and chief executive of Eli Lilly suggests that success does not have much to do with who does or doesn't deserve it. "Having the capabilities is absolutely necessary but it's not sufficient," he says. "Success also requires opportunity. Making one's own fate by effectively addressing the opportunities that do come along is critical."

John Eckberg

Today's Company: D'Bug Lady Pest Management Co.

Ousting Insects: Carol Y. Kauscher supervised pest control for Cincinnati's Metropolitan Housing Authority for six years before starting her own company in 1993. Originally called Roach Annihilation, the Sedamsville business changed its name to D'Bug Lady Pest Management last spring to better reflect the company's scope and image.

Environmental Concern: The company promotes its "least toxic" approach to insect and vermin extermination. These methods involve baiting and trapping rather than spraying. D'Bug Lady is licensed with the Departments of Agriculture in Ohio and Indiana and treats residential, commercial and institutional properties for insects such as termites, roaches, ants, silverfish and earwigs as well as for mice and rats.

Education: D'Bug Lady sells do-it-yourself kits and works to educate the public on safe pest prevention. The company offers educational seminars about pest control and environmental protection.

Jenny Callison