Road Trip Tips

If you are preparing to take a road trip, you know that there is more to it than just getting in and driving to your destination. Whether you are going a great distance, or just a few hours away, there are plenty of things that you can do to make sure that your trip goes off without any problems. These may seem like common sense approaches, but by following these, you will save yourself a lot of time and effort along the way.

 

The first thing that you will want to do is map out the route you are taking to your destination. While it is easy to simply type your address into your phone’s GPS, it does not hurt to examine your route before leaving so your can know what to expect. Even if your route is a going to be relatively straightforward, examining the route prior allows you to anticipate any problem areas or confusing sections. If you know you have a quick exit ahead of time, you can make the necessary mental note ahead of time. Giving your route a once through before hitting the road can help you get a sense of what to expect.

 

Before you head out on the road you will want to make sure that your vehicle is ready for the trip. This means more than getting a full tank of gas too! In the days prior to your departure, it is probably a good idea to visit your mechanic. Explain that you are heading on a road trip and ask them to put your vehicle through a standard maintenance inspection. This will give you confidence that you have a vehicle ready to take on the open road. Be sure to ask for an oil change and to replenish anything that may be low, like windshield wiper fluid. This is also a good opportunity to replace any headlights that you think may need it. Basically, you want to make sure that you car is in top shape before you head out for your trip.

 

Finally, you will want to make sure that you have packed everything that you need for an extended road trip. The first thing that you should pack into your vehicle, whether you are renting a car or taking your own, is an emergency kit. If you get stuck somewhere, having even a basic emergency kit is a good idea. From there, you will want to include your luggage, as well as anything you want with you in the car, think electronics, chargers and food. It may be a good idea to stop at Finish Line and get some comfortable shoes that you can wear as well.

 

When planning a road trip, no matter the destination, there are always things that you should keep in mind. From the route you plan on taking, to vehicle maintenance and emergency kits, the more work that you do before you leave, the better off you will be in the long run. Make your next road trip your easiest one yet!

Organising a Leaving Do

When one of your colleagues is leaving their job, it’s an emotional time. As well as having to say goodbye to a trusted friend, possibly someone you’ve relied on in stressful times, there’s also the additional work to be picked up, and new starters to absorb into your team. This stress is multiplied if you are responsible for organising the leaving party for your departing colleague. A lot rests on it: it’ll colour all their memories of their time at the company, and if your colleague is retiring this is your chance to leave a lasting impression to see them into their retirement.

Getting it right is important. So today we’re taking a look at some tips for organising a work leaving do so you can do justice to the friend and colleague you have to say goodbye to.

Venue

It’s important to fit the venue to the event. If the person who’s saying goodbye hasn’t been with the company for very long, then going all out at their leaving do would be disproportionate and wouldn’t leave you a way to escalate in order to show more respect to someone who’s been in service to the company for longer.

If the person you’re recognising has worked for a long time, and especially if they are retiring it makes more sense to pull the stops out. If you’re looking at venue hire in London, there are plenty of options that let you tailor the event to the person: don’t forget this is their goodbye, so it should make them feel comfortable.

If they’re a bit quieter a nice way to recognise their contribution is to book a nice restaurant and take them for dinner with some of the colleagues they’ve worked most closely with over the years. If you’re saying goodbye to someone more gregarious, who has been the committed life and soul of the party over the course of their career, holding a big event in a larger is a good send off. It allows them to be the centre of attention once more, and for all the people they have influenced to say goodbye.

Gifts, Speeches, Entertainment

It’s important to remember that whatever you organise, it all comes back to the person who’s leaving. If your plans start to get a little grandiose try to think about whether the person who’s leaving would enjoy it. If they wouldn’t, cut back your plans and focus back on them. Make sure everything is serving the purpose of saying goodbye to a valued colleague, and allowing them to say goodbye. Appreciation can be low key, or quite dramatic as long as it is appropriate to the person you’re saying goodbye to.

Collecting the Smaller Versions of Your Dream Car

Imagine driving a sports car. A shiny black angry sports car with thundering engine roars and unmatched speed and handling. Can you feel the morning breeze while driving to the mountainside? Well, don’t we all fantasize riding an awesome sports car?

Getting to that level where you don’t have to worry about the price of maintenance and buying an insanely expensive sports car is quite a steep hill to climb. Or maybe you are getting there already? Well, congratulations! I sincerely hope you soon get your dream car.

However, for many of us who can’t fathom the price of these marvellous sports vehicle yet, there is an arena where we can indulge without spending as much! In fact, this arena can be a worthwhile and fruitful hobby. Let me welcome you to the world of diecast car collection.

Collecting Diecast Cars

I bet you had a few diecast cars when you were young. I know you have torn a few of these while growing up. Right? Can you feel the nostalgia? Yeah? Yep, before the invention and proliferation of screens, we used to pretend driving these miniature cars at staggering speeds of 200 mph! Whoa! Can you feel the wind? Well, today, we don’t get to play with toys that way anymore because of these screens.

The diecast toy industry grew exponentially after the Second World War. Yep, that’s how old the industry is. Many manufacturers of diecast toys have made a lot of money after the depressing effects of the war. The rich and the poor alike played with these toys during those days.

World’s Most Expensive Diecast Model Car

Probably, your dad or your granddad has a collection of the cars we are talking about! I bet you destroyed a few of their most valuable pieces and you got scolded when you were younger! Well, some of these diecast cars are worth a fortune today! If I tell you some diecast model cars are even more expensive than a real sports car, would you believe it? The world’s most expensive diecast car model is pegged at 7.5M Euros. That is way more expensive than the real thing!

Diecast Car Collecting Today

I believe we cannot outgrow the child in us and toys would still have an appeal to us even in our seasoned years. Many people have been collecting toys for fun and leisure. However, there is more to toy collection than filling your showcases with rare collectibles.

If you shop exclusive miniature cars today, chances are, they may get their values pumped up in the future! However, it’s not just buying random cars and waiting for it to turn into gold. You must check and look for what is rare and what is hard to find. When the time is right, maybe your grandson can make a fortune out of it!

However, there is one more way to make a fortune out of it! This one may not be easy, and you have to have a hunter instinct in you. You can hunt online and check prices of rare diecast model cars. Another way is to hunt toys in antique shops. Some store managers are willing to sell diecast toys, and other toys for the matter, for a lower price to move their products.

Now, to make a profit out of your car collection hobby, you can post your collection over an online auction or a specialty toy store.

Car Collection at its Finest

Many of us would love to have a huge garage filled with the rare and expensive collection of sports cars. In the meantime, while we are not there yet, we can try collecting the smaller versions of it!

Planning a Smart Office

While it seems like the factory floor has been quickly evolving to make space for new and more innovative equipment, other than computers getting smaller, the office still looks relatively the same.

The cubicles are still there, along with the photocopier and printer in the corner. The modular carpets, flickering florescent lights, and stale donuts are the baseline for when it comes to office environments. However, with companies like Google and Facebook investing in interesting and stimulating offices, therefore attracting a high caliber of employee and getting a high level of productivity out of them, there has been a huge movement towards investment into the office.

It’s time to welcome innovation into the workplace. The office should be a smart, cutting edge place to be- not just somewhere to put in your eight hours and leave.

Let’s build a smart office!

  • Take Down the Cubicles

Though cubicle walls are great for privacy and for blocking out distractions, it’s also a great place to hide your unproductivity. When the walls come down, people are more accountable for their actions- no more cat naps on the keyboards! Some major employers have even experimented with flexible desk space, where each employee chooses where he or she will work that day- whether a long table, by a window sill, or on outdoor patio. It’s a more equalizing way to work for sure.

  • Eco-Friendly

Being smart is more than just having the greatest in technology. It’s also reflective of your mission and how conscious it is of people and the environment. Implement eco-measures like smart thermostats, LED lights, sustainable bathroom retrofits, as well as paper saving policies. If you think these are a bit expensive for your budget, remember that these are often also cost-saving mechanisms that will help you in the long run.

  • Stay in the Loop

Look into video wall display solutions for control rooms for large scale visualization of important numbers, stats, messages, or more. Take the white board to the next level with a video wall which can display important news that everyone will benefit from knowing. No more dropping down screens or malfunctioning projectors- this will save your face more than once when you have an important presentation that you can easily show. This is a paperless and technologically advanced way to share all kind of news from charity goals, today’s office birthdays, goals for the month, or even a Skype call from corporate!

  • Ergonomic Furniture

Many offices have already adopted this into their internal offerings, but ergonomic office furniture is the bare minimum if you want to maintain a smart office environment. If you want employees to be excited about working with you and not rush out the minute the clock strikes five o’clock, you need to make sure that they are comfortable at their work stations. Create a variety of environments from standing to sitting in well-suited chairs to make sure that pain isn’t a reason for your workers to putting in less effort.

  • Plants

It’s time to say goodbye to those dated fake office trees! Instead, pepper the office with live leafy greens or even vertical gardens that are known to help create a healthy environment. The oxygen exchange is only one of the many benefits live plants provide. They are also aesthetically pleasing, help relieve stress, and even help with noise reduction.

A smart office isn’t just one that is high tech when it comes to software- it also extends to places like the washroom, the kitchen, and the layout of the space. Invest in changing your working environment to one that people will love and see attitudes change as stress goes down, ambition and drive rises, and you retain employees for longer than ever before.

4 Clothing Retail Store Staples That Everyone Should Have at Home

Some things are meant to be shared. Though retail store equipment might not be the first thing that comes to mind, it’s definitely something that many of us wish that we had. How is it that their space full of clothes looks so appealing and neat while our closets are also full but no where near as amazing? It’s time to explore the secret tools that the retail clothing companies are using to boost their appeal to customers.

Here’s what you’re missing:

Garment Racks

Apart from the cool look of garment racks in bedrooms for an “industrial loft” feel, they offer a lot of function in addition to being a unique design element in your home. Once you have garment racks that meet your everyday needs for mobilizing garments on hangers from one location to another, it will be difficult to go back. Think of being able to transport freshly laundered items easily on wheels instead of by hand, where they can easily slip, getting wrinkled and dirty again. It’s also a great idea for switching your seasonal wardrobe which you can leave intact on your garment racks and just wheel in and out when the weather changes. It could seriously change the way that you store clothes in your home.

Steamers

How is it that in retail stores, there are no creases to be seen on the hanging clothes? Weren’t they shipped to the store in boxes? The steamer is a magic wand (literally a wand) that, with the help of steam, releases any creases that might have formed during shipping or even regular wear in the store. It leaves the garments fresher and is safe to use on all fabrics, even ones that an iron would quickly melt like tulle. Though you might want to keep your iron for heavy duty items like thick tablecloths, everyday ironing needs can be met quickly and efficiently with a steamer.

Full Length Mirrors

Everyone needs a full-length mirror, even if they don’t consider themselves fashionistas. These mirrors are staples in the fitting rooms of stores, letting the customer see the garment on their bodies, evaluating the fit, color, and style. At home these mirrors can avert fashion disasters as they allow you to see your entire outfit at once, checking if all the pieces go together well and whether the shoes go along with it. Denying yourself the chance to give yourself a once over puts you at risk of wearing something that looks good in your head but not in reality, potentially undermining your appearance and reputation at work, school, or with your acquaintances.

Room Spray

Have you ever noticed that when you walk into your favorite stores they have a distinctive smell? Well unless it’s a perfume shop or sells scented candles, it’s more likely than not a special room or linen spray that the store uses to engage your sense of smell when you walk in and shop. It’s also nice that when you come home and unpack your new goodies, they let off that same subtle aroma as well. You can play that trick too! Find a signature scent that you really like and spray your home with it regularly so that it becomes part of its identity. Pay special attention to your closets and drawers, they deserve a spritz as well!

These retail store staples are often overlooked while you are shopping, however they are essential to creating a great shopping experience for you. Perhaps once you invest in getting them, you’ll start wanting to shop in your own closet rather than continuously filling it with more and more new items!

4 Handy Things to Have When Insurance Shopping

Even if you consider yourself a shopaholic, chances are that your trip to the mall doesn’t revolve around finding the perfect insurance policy. Insurance is a necessity in our society and you’ll find legal reasons to have it for your car and home. On top of that, you’re likely being strongly encouraged to also insure your life, especially if you’re the breadwinner in your family. However, just like there are all kinds of insurance, there are many players in this industry, from banks, private insurance companies, brokers, and more.

Navigating this complicated web of legal documents and insurance policies is not for the weak of heart. That’s why we have put together a “toolbox” which should not just help get you out in one piece, but ultimately satisfied with the results.

List of Insurable Assets

The most popular kinds of insurance are auto and house, however, you might have more assets to insure like your business or a vacation property.  Even if you don’t own your own home, look into tenants’ insurance to protect all your belongings inside the space you are renting. Many insurance companies can offer you a better “bundle” rate than when you spread your insurable assets throughout several companies and policies. When asking for a quote, ask for their rates for the separate assets and then having them bundled together. Don’t be afraid to put in counter offers- remember, it’s a big market and you’re bringing them your business.

Details of Assets

If you want an accurate quote quickly, you’re going to need to have all the details on hand. From information about your property, including value, size, property size, age, condition of the roof, closest fire station, what kind of boiler you have, etc., to information on your car’s model, make, age, accident history, and more. The better prepared you are to give this kind of information, the quicker you will be able to get a quote and eventually choose a service. If possible, call ahead and ask for the list of questions that you will be required to answer so that you can gather the information beforehand and be ready for the questionnaire, whether it’s done in person, over the phone, or over the internet.

An Insurance Broker

Rather than calling every insurance company and filling each of them in with your details, when you go to a broker, he or she can compare many policies at once from a range of companies. You’ll have insurance brokers who work for you, not the insurance company, to provide expert, unbiased advice. A well-connected broker might even be able to get you better rates for the same policy in the same company than if you just called them directly. So, you don’t just drastically cut down your research time, you also usually get a much better rate then if you approached insurance companies yourself.

List of Discount Reasons

So apart from bundling your insurance policies for a better rate, look for more reasons for which you could score a discount. Make a list of possible attributes from being an alumnus of a university, member of the Chamber of Commerce, being employed by a certain company, to being a professional in a well-regarded industry. Never be afraid to ask, “is that the best you can do?” or ask if there are discounts for any of the previously mentioned reasons.

Insurance shopping doesn’t have to be that complicated. If you are prepared for the “hunt”, your insurance broker will be able to quickly put together a number of quotes from different companies. Use your toolbox wisely, and you’ll construct a policy and rate that you can live with.

How to Lose Weight Without Losing Money

You don’t have to stretch your imagination to understand why people think that transitioning into a lifestyle which promotes weight loss comes with a price tag. We are bombarded with advertisements from “magic supplements”, online exercise programs, and gyms looking to fill their capacity. Stores feature expensive products which are natural, organic, promote weight loss, or “healthy” options, making the rest of the store look much more affordable by comparison.

However, committing yourself to a healthy lifestyle doesn’t have to mean looking for a higher paying job to cover new expenses. There are plenty of ways to lose weight without losing money, and in some cases, you will find that you are cutting costs.

  1. Determine the Root Causes

There’s always more to the weight gain story than, “I got hungry”. Long-term weight loss success comes from identifying the root cause beneath the lifestyle choices that lead to weight gain, whether it’s stress, loneliness, boredom, lack of knowledge, or lifestyle. Determining this doesn’t need to be expensive, and you might be able to pin the problem right away. However, if you need more coaching and lessons in mindfulness and meditation, sign up for a few sessions, and go from there.

  1. Stop Eating Out

Everyone eats out for different reasons, whether for social interaction, exposure to new cuisines, entertainment, convenience, or need. However, by cutting down the number of times you eat out in a month, you won’t just be pocketing the savings, you’ll be cutting down the calories ingested as well. At first you might be surprised by the increase in your grocery bill, but remember that you are feeding yourself and your family and providing them with healthier, portioned meals at least three times a day. It won’t take long for you to see the savings, and your waistline will start shrinking without any extra effort. You have full control of what ingredients go into your meals, how much sugar, fat, and salt is used, and how big the resulting portions will be. It might be difficult at first, but you’ll start enjoying and even taking pride in your creations sooner than you think.

  1. Always be Prepared

Adopt the Boy Scouts’ motto for your own and always “be prepared”. Many times we find ourselves betraying our new lifestyle because a meeting ran late, you missed the train home, or you didn’t pack enough food for your meal. Now you’re hungry, cranky, and the only options you have come from a food court or a vending machine. Not only are the options usually full of sugars, fats, chemicals, and other junk, but also expensive. You are paying for the convenience of the food or drink being in close proximity when you need it, and now you are being suckered into paying 2 or 3 times its value. To protect yourself from such situations, always have a few healthy options on you at all times, like a natural granola bar, a Ziploc of raw nuts or some dried fruit. You won’t be ruining all your efforts and you will have full control over how much you spend.

  1. Start Moving

Weight loss involves a positive change to your mindset, your diet, as well as your level of physical activity. If you are on a tight budget and can’t commit to fitness classes or afford gym fees, find ways to be active for free. Take the stairs at work instead of the elevator, speed walk around the park at lunch, cycle to work, or incorporate a morning jog into your routine. Getting your heart pumping and your muscles moving doesn’t have to be expensive or even cost anything at all. Challenge yourself to find ways to incorporate physical activity into your day, whether it means walking your elderly neighbor’s dog in the morning, meeting your friend for a cycle on a local trail instead of for drinks, or trying the free yoga lessons in the park as you return from work.

Losing weight doesn’t mean you have to rework your budget to accommodate for your new lifestyle. Start your own healthy revolution today without upsetting your finances. Who knows? It might even save you a few dollars every month!

Top 5 Tips for Buying the Right Boat for summer

Summer is fast approaching and with it the urge to get out on the water, whether that water happens to be a lake, river or the ocean, and take advantage of all that mother nature has to offer.

The best way to do that is with a boat, if your budget can afford it, and today’s blog will help you to do just that and purchase a boat that fits your budget. Enjoy.

1) Your very first task should be to visit a large boat show. Boat shows are truly the best place to see a large number of different types and styles of boats, as well as different sizes, so that you can see all of the different prices, options and so forth. Having all of this information will allow you to make a much better decision on which boat/engine combination to purchase. A boat show is also an excellent place to meet lots of boating experts who can guide you in your decision.

2) Take your time. A boat is a large and expensive purchase and something you will likely have for many years. If you take care of it well, you may also be able to pass it onto your children. Point being, take your time making a decision on what type of boat to purchase so that you’re satisfied with that decision for the next few years (at least).

3) If you’re new to boating, definitely look into taking a boating safety course. The simple fact is this; while it might steer like a car, a boat handles much differently than an automobile and, if you don’t know how to handle it correctly, you could easily cause an accident or worse.

4) Keep in mind that their are a lot of additional costs when it comes to owning a boat. If you don’t have somewhere to keep it, you will need to either rent a space in a storage lot or a “slip” at a marina, both of which are relatively expensive monthly costs. Also, if you purchase gasoline from a marina, you can expect the price to be at least 30% higher than at your local gas station. Boating accessories like water skis, fishing rods, life jackets and so forth also will add to the cost, sometimes significantly.

5) If possible, take a test drive. Referring back to #2, a boat is something you will hold onto for many years. That’s why, whenever possible, you should definitely take it out for a test drive to make sure that you like the way it handles before you make your purchase decision.

And there you have them, 5 excellent tips that should help you to make the right decision when on a new boat. We wish you happy and safe boating!

Ways To Save on Gas and Drive More Fuel Efficiently

It is essential that every motorist strive to
obtain the best possible fuel economy. Reducing fuel consumption puts more cash
into your pocket and curbs the amount of environmental pollution. Although electric
cars are an option, their limited driving range presents a challenge for some
drivers. Luckily, most car owners can improve their gas mileage by making a few
changes. Here are some ways to save on gas and drive more efficiently.

steering

 

Keep the vehicle properly maintained.
The upkeep of a vehicle has a direct impact on its fuel consumption. If the spark plugs are beginning to wear down, the combustion of the fuel will not be as efficient. A worn oxygen sensor can also cause a vehicle’s gas mileage to plummet.

Reduce your traveling speed.
Gas mileage tends to decline when traveling at speeds in excess of 55 miles-per-hour. Lowering your average highway speed from 70 mph to 60 mph can improve gas mileage by up to 15 percent.

Maintain the optimal tire pressure.
Each day, thousands of motorists will hit the road on a set of under-inflated tires. The increased friction against the pavement forces the engine to expend more energy. Always remember to check the tire pressure while the tires are cold.

Easy acceleration.
Many drivers unnecessarily punch the gas pedal upon accelerating. If the tachometer gauge rises past 3000 rpm, this is a good indication that too much pressure is being applied to the accelerator. When accelerating, try to keep the engine speed between 2500-3000 rpm on the tachometer.

Learn to coast.
Instead of racing from one stop light to the next, allow the vehicle to coast to a stop. This task can be accomplished by simply releasing your foot off the accelerator. The momentum will enable the vehicle to roll without using any fuel. The key is to always be looking ahead for slowing traffic.

Consider public transportation and walking.
Although there is nothing wrong with owning a fuel efficient Toyota Corolla, try to limit the use of your vehicle as much as possible. If your destination is not within walking or biking distance, feel free to take advantage of the public transportation system. Public transportation is very affordable. When taking the train or bus, the risk of being involved in a traffic accident also declines.

 

Fuel Saving Tips and Myths

Since gas prices don’t appear like they’re going to drop any time in the near future, we’ve put together another list of fuel saving tips as well as a list of fuel saving myths, both of which should help you to make better choices and save money when filling up your tank. Enjoy.

Fuel savings tips:

  • Make sure to close your gas cap correctly. Nearly 20% of all vehicles on the road have gas caps that are damaged, not closed correctly or even completely missing. This results in a whopping 147 MILLION gallons of gas lost to vaporization every single year. On a personal level, gas cap problems result in a two mpg reduction in your car’s fuel  efficiency, so make sure they are on and working correctly.
  • Use the lowest fill setting when filling your tank. In many cases, because the gasoline is rushing in too quickly, backsplash or overfilling happens and the result is lost gasoline.
  • Don’t top off your car’s fuel tank. Simply put, once the fuel pump clicks off your tank is filled. Filling it up further to round out the dollar amount could cause your gasoline to spill out when it warms up as well as saturating your emission system with fuel.
  • Inflate your tires correctly. Underinflated tires can waste up to 3% of your gasoline. Make sure you check your tires on a regular basis.
  • Use the correct type of tire. If, for example, you have mud and snow tires on your car to get you through the winter, you should definitely remove them once the winter weather has ended as the wider tires will generally reduce your gas mileage.
  • Check and change worn spark plugs often. A dirty spark plug or one that is badly worn will cause your car to misfire and waste fuel. Every time you get your oil changed you should have the service technicians check your spark plugs to make sure that they are clean and firing correctly.
  • Maintain your air filter. Just like worn spark plugs, a dirty or clogged air filter will inhibit air from getting to your engine and waste fuel as well as reduce engine power. Simply replacing a clogged air filter has been shown to improve a car’s MPG by nearly 10%. One thing to keep in mind however is that newer vehicles with fuel injection that is computer-controlled will have sensors to automatically adjust for the amount of air that’s reaching the engine.
  • Make sure your oxygen sensor is functioning correctly. If it’s worn or not operating, you may well see a decrease in nearly 3 miles for every gallon of gas you use.
  • Change your motor oil regularly and use the best for your type of driving. Your automobile technician will be able to help you with knowing the proper oil to use but, suffice to say, changing your oil regularly is very important if you want to save money on gas.

Fuel saving myths to ignore and avoid.

1.      Myth. It’s best to fill up your car in the morning, especially during hot weather. The fact is, since most gasoline is kept in large, underground tanks its temperature is fairly constant as well as its expansion. Filling up in the morning, afternoon or evening will not affect the amount of gasoline that you get.

2.      Myth. High octane fuel will always provide better MPG. The fact on this one is simple; today’s modern vehicles allow their engines to run on octane levels that are lower than premium without any harm to the car’s engine or reduction in mileage. Unless you have a high-end sports car or luxury car, regular gas is just fine and will save you up to 30% off of the cost of premium.

3.      Myth. All gas from all gas stations is exactly the same. In most cases this would be a true statement except for a type of fuel called ‘slop’. Slop is a combination of different fuel types that’s created after fuel is transported in the same pipeline, including gasoline, diesel fuel, jet fuel and more. It’s considered a much lower grade of fuel and sold to discount gas stations. If you purchase premium from these stations you’re getting nothing of the sort and even regular might not be as good as the regular at a name brand station.

4.      Myth. Fuel additives can improve your car’s fuel economy. While these additives, including octane boosters, fuel line antifreeze and others, may indeed improve your vehicle’s performance, there are no studies,  whether performed independently or by the EPA, that have ever shown them to improve fuel economy.

We hope that these tips and myths about fuel economy will help you to save a few bucks the next time you fill up. If you have any questions about fuel economy, personal finances or other financial topics, please let us know and we’ll get back to you with options and answers.

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