What's the best way to add a new record?

[Kevin Windham]

I was trying to figure out the best way to add a new record to the 
database. Considering that I may move this database to the server 
version at some time, what is the best way to create a new record.

Should I create a cursor and add to the cursor, or should I use the 
base object directly? If I use a cursor, is there a way to make a blank 
cursor?

Thanks,
Kevin