Today's Number: 500,000 - Drivers talking on hand-held cell phones at any time during the day, the National Highway Traffic Safety Administration estimated.

        Today's Money Tip: Mortgages come in two categories: fixed rate and adjustable. With a fixed-rate mortgage, the interest rate does not change over the life of the loan. This makes the most sense for those who plan to stay put in their home for a long time. You pay a little more in interest, but it is stretched over a longer period. With an adjustable-rate loan, you pay according to a set formula as interest rates fluctuate on the open market. Lenders charge a lower rate for such loans because you are taking on some of the interest-rate risk. If interest rates rise, your payments could far exceed what you expected.

        Today's Career Advice: When procrastinating, nothing is as harmful as not acting at all, says author Peg Pickering in How to Make the Most of Your Workday. First, identify the problem; then look at the options; and finally, act.

        “Many people approach decision-making this way: "If I can't be assured my decision is completely right, I'm not going to act,'” Ms. Pickering says.

        Delaying action becomes a habit, and a destructive one at that.

        Today's Mover: Paul C. Silva has been named senior vice president and manager of the corporate banking division for the Cincinnati district of KeyBank, N.A. Mr. Silva will be responsible for assisting existing commercial clients and developing new ones. Prior to joining KeyBank, he was a vice president at Fifth Third Bank. He has also worked for Firstar Bank. He holds an undergraduate degree from the College of Mount St. Joseph and a master's degree from Xavier University. Today's Company: Senco Products Inc.

        THE FASTENER FOLKS: SENCO's specialty is pneumatic fastening tools: nailers, screw guns and staplers. The company also makes compressors and hardwood flooring tools.

        THE FIRST FIFTY: This year marks a half-century for the Anderson Township-based company.

        APPLAUSE FROM BUILDERS: Many of SENCO's tools are used in the manufactured home industry, from which it has received numerous awards. It was named Supplier of the Year by Oakwood Homes Corp. Industry Week magazine named SENCO one of the nation's 10 best

        Send tips and questions to Bill Ferguson at bferguson@enquirer.com

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