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Dallas Small Business SuperBLOG postings for December 4, 2009

Posted by NetOffer in Dallas-Fort Worth-Arlington, TX on Dec 04, 2009

Dallas Small Business SuperBLOG postings for December 4, 2009

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Dallas Speakers Bureau - Merry Christmas December 02, 2009

Dallas Speakers Bureau - Saw this poem and thought it was appropriate for the Holidays. Enjoy! It's Christmas Time by Bob Lazzar-Atwood Put your problems on probation Run your troubles off the track, Throw your worries out the window Get the monkeys off your back. Silence all your inner critics With your conscience make amends, And allow yourself some happiness It's Christmas time again! Call a truce with those who bother you Let all the fighting cease, Give your differences a breather And declare a time of peace, Don't let angry feelings taint The precious time you have to spend, And allow yourself some happiness It's Christmas time again! Like some cool refreshing water Or a gentle summer breeze, Like a fr [more info...]

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Garland Insurance Agent discusses the benefits of Financial Planning November 28, 2009

Garland Insurance Agent discusses the benefits and rewards of Financial Planning for Special Needs Families. Does Money Grow on Trees? Financial planners play a frequently unrecognized buy essential role in ensuring that individuals with special needs receive the care and support they need and deserve after their parents or caregivers are gone. These are the unsung heroes working behind the scenes to millions of families. They help to improve the lives and care of individuals with special needs. The key to success, lies in recognizing the unique financial needs of a special needs condition and working to create strategies that will keep pace with the families development and life style over time. Doctor's visits to day care, ever [more info...]

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Mesquite Insurance Agent explains benefits of a personal agent. November 28, 2009

Mesquite Insurance Agent Sam Morris, owner of the Sam Morris Insurance Agency, elaborates on the benefits of having a personal insurance agent. The benefit of an agent is not that they know your situation inside and out, it is that they are more likely to have your back if the insurance company denies your claim, or tries to lowball you. At least that is a common argument, but I have no idea whether it is true. For example, if you use GEICO and have a questionable claim, you don't really know anyone who you can ask to make an exception, or give you a break. But, if you have an agent, he may value your business enough that he will go to bat for you with the carrier. According to this argument, cutting out the middleman may be che [more info...]

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Over 20 years CAD/CAM Services provides CAD conversions worldwide. November 24, 2009

Over 20 years CAD/CAM Services provides all types of CAD conversions worldwide, including Microstation, Geographic Information Systems (GIS) and CAD conversions We are one of the few authorized CAD Conversion companies certified by the Department of Defense CAD Conversion work, and we have also been awarded with the AS9100 and GSA certificates. We are proud to have achieved .005" accuracy in our CAD conversions. We use 2 of our registered trademarks Cad Perfect? & Cad Perfect CAD conversions? ($2 million each year). They look like exact copies of the originals, and they are a high-precision job - first with different applications and then hours of hand redrawn by our experienced professionals. [caption id="attachment_73" align=" [more info...]

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CAD/CAM Services is the best solution for CAD Outsourcing Services. November 24, 2009

CAD/CAM Services is the best solution for CAD outsourcing services. CAD/CAM Services has over 20 years experience in all phases of the architectural, engineering and building industry, providing CAD outsourcing all around the world. Why do so many people prefer CAD outsourcing with us? One of the main advantages of CAD outsourcing is to get the job done by experienced professionals, who understand that you must meet those deadlines to maintain your customer's trust and confidence. CAD/CAM Services has been awarded with the AS9100 and GSA certificates and we are one of the few authorized CAD Conversion companies certified by the Department of Defense CAD Conversion work. We are proud to offer you .005" accuracy for your CAD outsour [more info...]

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Garland Insurance Agent warns about 6 financial planning mistakes November 24, 2009

Garland Insurance Agent Sam Morris, owner of the Sam Morris Insurance Agency, elaborates on Six mistakes not to make in Financial Planning. [caption id="attachment_154" align="alignright" width="221" caption="Financial Mistakes Can Break the Bank"][/caption] We all make mistakes, but learning from our mistakes and identifying what mistakes to avoid can make a big difference. Here are six common mistakes people make with retirement planning that you should avoid. Not maximizing your match. If you work for an employer who offers a 401k or other retirement plan with a match program, take advantage of it. This is free money, and the best return on your dollar that you'll likely find. By not maximizing your employer's match is leaving [more info...]

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Raster To Vector Software shortens delivery cycle time and lower costs November 22, 2009

CAD/CAM Services Raster To Vector Software can shorten your delivery cycle time and lower your costs. Ask your account manager about converting your scanned images to CAD compatible file formats for full editing capability. We can provide converted files that can be brought into your AutoCAD or Microstation CAD programs. CadCam R2V is highly manageable and professional document converter that automatically converts scanned drawings into files easily editable in any PC CAD, CNC, GIS or any other mapping program. Its chief features are. Vectoring documents quickly and easily in CAD. All drawing sizes are available without any specification to size. Can convert all standard raster files like TIFF, BMP, CALS, PNG and JPG etc. Pr [more info...]

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Raster to Vector Services offered globally with quick turnaround. November 22, 2009

Over 20 years CAD/CAM Services provides raster to vector services for professionals - firms and particulars, big and small companies across the globe. CAD/CAM Services, one of the few authorized CAD Conversion companies certified by the Department of Defence CAD Conversion work, has also been awarded with the AS9100 and GSA certificates. Also CAD/CAM Services has been achieved .005" accuracy in all raster to vector services. Do you have a backlog of Raster to Vector conversions? CAD/CAM Services can provide the cost effective quality solution you require. Raster to Vector (or R2V) is used extensively in commercial and industrial applications and convert technical drawings, maps and other graphics from raster to vector formats providing [more info...]

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Cad Cam raster to vector converter is easy, accurate, and affordable. November 19, 2009

Cad Cam raster to vector converter software converts large format media, aperture cards, and film to vector images in many format options. We have the ability to digitize and convert from large format media, aperture cards, and film into Cad PerfectTM AutoCAD, MicroStation, D-Tools, ArcInfo, CATIA, and many other CAD systems - literally anything you have. All of our work is as if you or I have redrawn that drawing by hand. We deliver only CAD Perfect CAD work. All of our files are delivered in your native CAD file format. Raster Vector Conversion, Raster Vs Vector: CAD/CAM Services converts over $1 million of CAD drawings into CAD Perfect files each year. It is not uncommon for us to convert 2-4,000 drawings per year for a sing [more info...]

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CAD Conversion Services offers guaranteed high quality renderings. November 19, 2009

CAD Conversion Services makes Raster to Vector Conversion a painless process and provides the same excellent care with your renderings that you rightly demand. Raster Vector Conversion, Raster Vs Vector: CAD/CAM SERVICES utilizes many different conversion methods. We use in-house CAD conversion products from, GTX, Hitachi, I/Vector, and Softelec. Along with quite a few routines and programs we have written. Unfortunately we have found that one R/V conversion product does not fit all. It is not uncommon with 100 drawings, that 30% are converted via one (1) method, the next 40% are converted via a different method, and the remaining are hand redrawn. Please do not be mislead with R/V software vendors promising 'automatic raster to vector c [more info...]

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Dallas Speakers Bureau - Adds Software Training Options November 16, 2009

Dallas Speakers Bureau - Welcomes, Tim Kormos, new Software Trainer. Call us for your needs Tim Kormos began training as a corporate trainer in 1993. Starting at TRW, Inc (now Experian) conducting Computer Operations training, then moving to LXI Corp providing Disaster Recover, Business Continuity and Data Protection analysis, planning and training to customers throughout the US, Canada and the Dominican Republic in Fortune 500 companies (IBM, Disney, Harley Davidson, Coca-Cola, Nestle, Chase Manhattan Bank, Bank of America and many more). In 2006 Tim was accepted as a technical trainer by both National Seminars and Fred Pryor Seminars choosing to join Fred Pryor Seminars teaching Microsoft Office and Server Classes, Tim taught in 25 st [more info...]

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Dallas Speakers Bureau - 13 Steps to Feeling Clutter Free November 16, 2009

Dallas Speakers Bureau - Donna Bender - The Donna Bender Company suggest: 1. Deal with TODAY's clutter first - a s imple concept to simplify the task at hand 2. Put your organization goals in writing - Write it down, make it happen. Start with the small stuff, the top of your desk, your voice mail, the emails you need to send out 3. Make a deadline - Tell someone about it 4. Ask someone to help you - Plan a "de-cluttering" party 5. Keep repeating these words - sort, keep, shred, throw out, recycle 6. Ask yourself these 5 questions: Have I used it in the last year? Can I easily get another some day? What is the worst thing that can happen to me if I let it go? Is it sentimental enough to acknowledge it and display it? 7. [more info...]

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Dallas Speakers Bureau congratulates one of it's own. November 16, 2009

Dallas Speakers Bureau - J.R. Martinez to be Honored with the 2009 IAVA Veterans Leadership Award New York, New York - The Iraq and Afghanistan Veterans of America (IAVA), the first and largest nonprofit education and advocacy organization for veterans of the Iraq and Afghanistan wars, will hold its Third Annual Heroes Gala on Tuesday, November 10 at 6p.m. at the Gotham Hall in New York City. Hosted by NBC Nightly News Brian Williams, this event will honor Iraq Veteran and All My Children actor J.R. Martinez with the 2009 IAVA Veterans Leadership Award for his work as a spokesman for his fellow wounded veterans. Born in Shreveport, LA on June 14, 1983, J.R. Martinez enlisted in the United States Army in September 2002 and was d [more info...]

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Radiology workflow solutions and online storage saves time and money. November 16, 2009

Radiology workflow solutions and online radiology image storage solutions just make sense in todays connected world where costs are a major concern. Benefits of opting for RSO: Resource Saving The Electronic exam requesting reduces the amount of paper work and saves time apart from generating clearly legible requests! The Automated "clearing house" process for report production drastically reduces wait time for results and does away with "lost" reports. Cost Saving The interactive patient record service houses radiology images and results, eliminating costly and space consuming storage needs. The records are maintained on our HIPAA compliant server for a period of 7 years at which point they are archived to disc and sent to the [more info...]

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Online radiology storage offers work flow savings and advantages. November 15, 2009

Online radiology storage solution provider Radiology Services Online (RSO) offers work flow savings and other advantages. About Radiology Services Online (RSO) Texas based Cad Cam Services have unveiled 'Radiology Services Online' (RSO) the most comprehensive web-based service for radiologist and radiology service providers. It is a powerful online solution reinforced with a diverse range of applications supporting MRI, CT and US modalities. RSO facilitates the storage and display of high quality DICOM images that can be viewed by the Radiologist from remote locations on any device with WEB access like a full blown Picture Archiving and Communication System (PACS), a PC, or even a PDA! The Dicom Viewer enables the Radiologist to v [more info...]

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Garland Insurance Agent on the rewards of Financial Planning. November 15, 2009

Garland Insurance Agent Sam Morris, owner of the Sam Morris Insurance Agency, elaborates on the rewards and benefits of Financial Planning. [caption id="attachment_148" align="alignright" width="300" caption="Review your Financial Plan Annually"][/caption] Financial planners play a frequently unrecognized buy essential role in ensuring that individuals with special needs receive the care and support they need and deserve after their parents or caregivers are gone. These are the unsung heroes working behind the scenes to millions of families. They help to improve the lives and care of individuals with special needs. The key to success, lies in recognizing the unique financial needs of a special needs condition and working to create [more info...]

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Dallas Speakers Bureau - An offer to you November 10, 2009

Here is a link to join in on a webinar for those Struggling with issues in our current world. Zig has embraced his own struggles in the past few years and can help you understand and embrace your own. Please accept this as an offering from Underwood Speakers Bureau. It has been an incredible few weeks for the Ziglar family. Dad just turned 83, Mom and Dad will be celebrating their 63rd wedding anniversary later this month, and Julie and Dad's new book, Embrace The Struggle just came out. We are thrilled with the results of the book. So many are facing their own struggles and when they see how Dad is embracing his struggle they [more info...]

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Cadcam raster to vector converter services offered in United States. November 09, 2009

The CADCAM Raster to Vector Converter process is designed to accelerate your productivity. We have the ability to digitize and convert from large format media, aperture cards, and film into Cad PerfectTM AutoCAD, MicroStation, D-Tools, ArcInfo, CATIA, and many other CAD systems - literally anything you have. All of our work is as if you or I have redrawn that drawing by hand. We deliver only CAD Perfect CAD work. All of our files are delivered in your native CAD file format. Raster Vector Conversion,Raster Vs Vector CAD/CAM Services converts over $1 million [more info...]

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Underwood Speakers Bureau Congratulates one of it's own - J.R. Martinez honored with the 2009 IAVA Veterans Leadership Award November 09, 2009

Dallas Speakers Bureau J.R. Martinez to be Honored with the 2009 IAVA Veterans Leadership Award New York, New York - The Iraq and Afghanistan Veterans of America (IAVA), the first and largest nonprofit education and advocacy organization for veterans of the Iraq and Afghanistan wars, will hold its Third Annual Heroes Gala on Tuesday, November 10 at 6p.m. at the Gotham Hall in New York City. Hosted by NBC Nightly News Brian Williams, this event will honor Iraq Veteran and All My Children actor J.R. Martinez with the 2009 IAVA Veterans Leadership Award for his work as a spokesman for his fellow wounded veterans. Born in Shreveport, LA on June 14, 1983, J.R. Martinez enlisted in the United States Army in September 2002 and [more info...]

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Lakewood TX Insurance Agent: Health Care Reform Update 11-09-09 November 09, 2009

Lakewood TX Insurance Agent discussion on how Health Reform Bill Gets Senate Finance OK but Faces Many More Hurdles. [caption id="attachment_142" align="alignright" width="241" caption="Health Care Reform"][/caption] After passing a critical test last week, legislation reforming the U.S. health care delivery system is now dealing with its next hurdle. The critical test for the legislation was support from the Senate Finance Committee with at least one Republican vote. A October 14, vote sent the report to the Senate with all 13 Democrats supporting it. The Senate Finance bill is estimated to cost $829 billion over 10 years. The Bills provisions would not go into effect until 2013. The chairmen of the two committees, working with [more info...]

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Dallas Speakers Bureau - Do You Have Clutter? See what my friend Donna Bender says about cleaning up your clutter. October 27, 2009

Dallas Speakers Bureau 13 Steps to Feeling Clutter Free Donna Bender - The Donna Bender Company 1. Deal with TODAY's clutter first - a s imple concept to simplify the task at hand 2. Put your organization goals in writing - Write it down, make it happen. Start with the small stuff, the top of your desk, your voice mail, the emails you need to send out 3. make a deadline - Tell someone about it 4. Ask someone to help you - Plan a "de-cluttering" party 5. Keep repeating these words - sort, keep, shred, throw out, recycle 6. Ask yourself these 5 questions: Have I used it in the last year? Can I easily get another some day? What is the worst thing that can happen to me if I let it go? Is it sentimental enough to acknowl [more info...]

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Lakewood Texas Insurance Agent Sam Morris discusses Income Annuities October 24, 2009

Lakewood Insurance Agent Sam Morris continues his discussion on How Income Annuities Help Build A Personal Pension. Like a pension, annuities can help to protect clients against running out of money in retirement. Clients can choose annuities that guarantee income payments no matter how long they live, or annuities that pay out for a specific period. Another point to make: Income annuities provide potentially higher payouts than individuals could withdraw on their own. Example: A 65 year-year old man with $500,000 in savings and investments, using what many experts believe to be a safe withdrawal rate of 4%, would receive $20,000 annually before taxes. But if the man allocates $165,000 of the $500,000 to an immediate incom [more info...]

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What makes a great leader - Dr. John C. Maxwell October 20, 2009

Dallas Speakers Bureau Do Your Leaders Have What It Takes? My programs can help your leaders....... Adaptability - Quickly adjusts to change. Leaders in the middle may not be the first to know, but they are often the ones in charge of implementation. Adaptable managers in the middle are willing to embrace a change operationally even if they are not yet ready to do so emotionally. Discernment - Understands the real issues. Good leaders cut through the clutter to see the real issues. A smart person believes only half of what he hears, but a truly smart person knows which half to believe. Security - Finds identity in self, not position. Effective 360? leaders are secure enough in who they are to not worry about where [more info...]

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Lakewood Texas Insurance Agent Sam Morris discusses Income Annuities October 18, 2009

Lakewood Texas Insurance Agent Sam Morris discusses how Income Annuities help build a Personal Pension. [caption id="attachment_133" align="alignright" width="210" caption="Retirement Planning"][/caption] The time has come for fixed income annuities to shine in the retirement marketplace. Also known as immediate annuities when purchased with a lump sum at retirement, these products offer many of the same comforts and rewards that traditional pension plans do, such as consistent monthly income payments, guaranteed income for life, potentially more income than typical systematic withdrawals from saving, no hassle, and protection for loved ones. Some annuities also offer longevity insurance, to reinforce the retirement safety net. [more info...]

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Lakewood Insurance Agent discusses Changing Times for Annuities October 12, 2009

Lakewood Insurance Agent Sam Morris continues the discussion on the Uncertainty and Changing Times for Individual Annuities. Here are some recent statistics about Annuities: Fixed Annuity Sales dropped 20% in second quarter 2009 from the previous quarter but they were 10% higher than in second quarter 2008. Fixed Annuity sales reached an estimated $27.5 billion in second quarter 2009. The second quarter 2009 study covers sales of 53 insurance companies in the U.S. These companies represent an estimated 86% of the fixed annuity market. To date 2009 the total market sales were an estimated $62.6 billion, 39% above first half 2008. The estimated second quarter 2009 sales were, book value $14 billion, indexed $8.2 billion, marke [more info...]

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Process Efficiency Expert in Dallas October 11, 2009

Process Efficiency Expert in Dallas Shares his client testimonials and wishes to thank all of his past, current and future clients: "It (process improvement implementation) was one of the toughest things that I have done in my professional career but ( ) it was the best thing that I've done for myself and staff. We are still making changes ? Bruce and Tania are not going to believe it ( I still can't ;-) but we have NO data to enter...all of our data that was sooooooo backed and piled up is gone. I still can't believe it ? I knew this would make you guys smile...we were about 3 months behind maybe even more than that." Millie McDonald State Director SC Center for Child Care Career Development "Bruce has worked with us on compli [more info...]

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Lakewood Insurance Agent discusses Uncertainty and Annuities October 05, 2009

Lakewood Insurance Agent Sam Morris discusses the Uncertainty and Changing Times for Individual Annuities. [caption id="attachment_123" align="alignright" width="112" caption="Sam Morris, State Farm Agent"][/caption] With markets recovering and interest rate spreads narrowing, the balance in individual annuity sales shifted in the second quarter from fixed to variable annuities ("VA"s). Fixed annuity sales had out preformed Vas for the previous two quarters before hitting a decline in sales sharply. When combined with a weak gain in VA sales, the total individual annuity sales for the quarter fell 9% compared to first quarter 2009. This was the first decline in overall annuity sales since the market collapse of 2008. This led to a [more info...]

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Dallas Lean Expert Testimonials October 03, 2009

Dallas Lean Expert Testimonials Thank you so much for today---You were terrific and made a really overwhelming situation very organized--For sure, we could never have done it without you!!!! Donna Bender President thedonnabendercompany Thank you for introducing me to Bruce Carnohan. He is a dynamic individual with great ideas. I appreciate you for thinking of me and making the introduction. Warm regards, Redonna Higgins Executive Vice President First Community Bank He helped us understand and implement how to turn chaos into order at this facility Norma Johnson HR/Office Manager at Keystone Research Corporation The Division did work with Bruce a few years ago when we were evaluating Professional Development and also with [more info...]

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Dallas Speakers Bureau Introduces You to a New Trainer and Speaker: Tim Kormos -Offering Software Training September 30, 2009

Underwood Speakers Bureau Tim Kormos began training as a corporate trainer in 1993. Starting at TRW, Inc (now Experian) conducting Computer Operations training, then moving to LXI Corp providing Disaster Recover, Business Continuity and Data Protection analysis, planning and training to customers throughout the US, Canada and the Dominican Republic in Fortune 500 companies (IBM, Disney, Harley Davidson, Coca-Cola, Nestle, Chase Manhattan Bank, Bank of America and many more). In 2006 Tim was accepted as a technical trainer by both National Seminars and Fred Pryor Seminars choosing to join Fred Pryor Seminars teaching Microsoft Office and Server Classes, Tim taught in 25 states in 9 months. In 2008 Tim became a certified TABC Seller/Ser [more info...]

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East Dallas Agent discusses how Congress Faces Full Plate of Financial Issues September 29, 2009

East Dallas Insurance Agent continues to discuss how Congress Faces Full Plate of Financial Issues. Congress has a full plate. Among the issues that need to be decided is whether to add reunification and portability as part of any permanent estate tax reform. Industry officials believe regulation of derivatives and the proposed Consumer Financial Protection Agency, are the two most likely issues to see committee action. Other issues that will be debated as part of reform include creation of a Treasury agency to provide advice o insurance issues. Issues include recommending whether an insurer should be subject to federal oversight. There are two bills in the House dealing with these issues. One of them would create an Office of Ins [more info...]

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Mesquite Insurance Agent discusses how Congress Faces Full Plate of Financial Issues September 27, 2009

Mesquite Insurance Agent discusses how Congress Faces Full Plate of Financial Issues. Besides the estate tax deal Congress will have other Financial issues to deal with. Without congressional action the levy falls to zero in January before returning to 2001 levels in 2011. It has been obscured by the intense debate over the shape of healthcare reform legislation, with congressmen returning to work this past September 8; they must now issue, Congress will be dealing with many more issues under the category of regulatory reform. Some of the financial modernization issues that will be on the congressional agenda include whether or not insurance products within the scope of proposed Consumer Financial Protection Agency. Within the s [more info...]

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Mesquite Insurance Agent discusses tax bill in front of Congress. September 21, 2009

Mesquite Insurance Agent discusses the 3 Estate Tax Bills on the Table in Washington now. There are currently three bills in Congress dealing with estate tax reform. The Tax Bills before Congress are S. 722, H.R. 2032, and H.R. 436. S. 722 was introduced in the Senate back in March. This bill is a middle class tax reform package that includes an estate tax proposal that freezes the exclusion and rate at 2009 levels. The House H.R. 2032 bill would make permanent the exemption level at $2 million, index that level for inflation, and establish progressive tax rates of 45% for estates valued between $2 million and $5 million, 50% for estates valued at $5 to $10 million, and 55% for estates valued over $10 million. This bill will a [more info...]

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The 3 Estate Tax Bills On The Table in Washington. September 17, 2009

Mesquite Insurance Agent discusses the 3 Estate Tax Bills on the Table in Washington now. There are currently three bills in Congress dealing with estate tax reform. They are S. 722, H.R. 2032, and H.R. 436. S. 722 was introduced in the Senate back in March. This bill is a middle class tax reform package that includes an estate tax proposal that freezes the exclusion and rate at 2009 levels. The House H.R. 2032 bill would make permanent the exemption level at $2 million, index that level for inflation, and establish progressive tax rates of 45% for estates valued between $2 million and $5 million, 50% for estates valued at $5 to $10 million, and 55% for estates valued over $10 million. This bill will also include reunification [more info...]

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Mesquite Insurance Agent Continues to discusse the benefits of Financial Planning September 12, 2009

Mesquite Insurance Agent discusses the benefits and rewards of Financial Planning for Special Needs Families. Keys to creating a plan. Parents have many plans to consider for the future. An example would be drafting a special needs plan. This should include drafting of wills and letters of intent, as well as assigning guardianships and conservaorships. It is important to have legal components ensuring proper stewardship of assests designed to care for the individual. On the financial planning side, life insurance and special needs trusts are often the primary tools used by familes for ensuring the long t [more info...]

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Dallas Speakers Bureau - Introduces you to a new speaker/Elisabeth Fayt September 11, 2009

Dallas Speakers Bureau - Top Seller Book- Paving it Forward Elisabeth Fayt's new bestselling book, Paving it Forward, teaches the powerful process of pre-paving. This technique allows people to line up their energy through conscious intention and move forward into action in order to bring forth the wealth, health, and love they desire. Consciously pre-paving allows people to take the front seat in their own transformation. Paving it Forward explains that we are already intending, already pre-paving, our day and life with our thoughts. It is simply a matter of making it a conscious - and positive - process. According to Elisabeth Fayt, "People spend more time choosing what they are going to wear in the morning than they do [more info...]

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Mesquite Insurance Agent discusses the benefits of Financial Planning September 10, 2009

Mesquite Insurance Agent discusses the benefits and rewards of Financial Planning for Special Needs Families. Financial planners play a frequently unrecognized buy essential role in ensuring that individuals with special needs receive the care and support they need and deserve after their parents or caregivers are gone. These are the unsung heroes working behind the scenes to millions of families. They help to improve the lives and care of individuals with special needs. The key to success, lies in recognizing the unique financial needs of a special needs condition and working to create strategies that will keep pace with the families development and life style over time. Doctor's visits to day care, everyday routines that most f [more info...]

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