Financial Advisor Occupation

Financial Advisor Occupation

The function truly contains of acquiring and providing shares, bonds and other money instruments, on behalf of customers, in addition to advising them on their daily life money issues, these types of as daily life insurance coverage and so on. Most money advisors function on fee.

Economic Information

Nowadays, most money advisors have a college or university degree and have a good understanding of the money marketplaces and a good command in excess of money topics in standard. However, in look at of the at any time-developing complexity of the function, a good grasp of the economy is necessary to conduct specialized money analyses. This is an integral section of the task of a financial advisor. You have to also be in a position to construct interactions and get the belief of your customers.

Licensing Requirements

A license is a have to for a financial advisor career. To qualify for the license, there are some specified tests that want to be taken and passed. Once the license is acquired, the licensee becomes suitable to stand for customers. The license is issued by the point out, however there may perhaps be some distinctions in the licensing demands of various states. Most states need applicants to be sponsored by a brokerage agency, these types of as American Categorical or Fidelity.

Licensing Examinations

The licensing assessment is executed by the “National Association for Security Dealers” or the NASD. The assessment is referred to as the Basic Securities Registered Consultant Assessment or the Sequence seven Assessment. After passing this assessment, the candidate is expected to function with a registered brokerage agency for at minimum 4 months, before doing work independently. Many states need candidates to move a secondary assessment. This is recognized as the Uniform Securities Brokers Condition Regulation Assessment. This assessment is built to examination the candidate’s standard awareness in securities and inventory business and awareness and understanding of purchaser protection laws, techniques and liabilities. It also handles record keeping and administrative techniques.

Whilst in-human being schooling courses are accessible, the method of study most well-liked by most candidates is through the Internet or correspondence programs.

Earning Possible

Operating as a financial advisor does have its share of dangers any career exactly where you are only doing work on fee is dangerous certainly. The truth continues to be that persons who pick to go after a career in this industry are possessed with a potent belief in the achievement fee and function independently only just after they have received in-depth awareness of the business. Brokers new to the business can benefit by approaching customers of massive firms, as properly as buddies and household. A good deal of the consumer foundation of a financial advisor is gained as a result of referrals.

Obtaining a profitable career as a financial advisor can take a good deal of persistence you basically won’t be able to take “no” for an response, particularly when you are just starting out. However, the moment you are properly set up in your career, your earnings can increase properly into the 6-figure range.

Source by Tony Jacowski

Financial Advisor Task Tricks

Financial Advisor Task Tricks

Understanding about occupations as a financial advisor, or fiscal planner

What are fiscal advisors and fiscal planners?  They are referred to as a mentor, a trainer, a registered rep., a sales person, an adviser or advisor, a specialist, a planner, a broker or stock broker, or a trader.  Lots of conditions outline what it is to be a financial advisor.  Financial advisors operate at a brokerage, wire dwelling, broker-seller, or fiscal services agency.  Some focus in insurance policies and some focus in investments.

Financial planners and fiscal advisors offer with all matters getting to do with dollars, investing, and chance management.  They offer with banking, budgeting, and business financial investment.  Some companies have in-dwelling authorized and tax assistance.  Financial advisors and fiscal planners should have a working expertise of portfolio constructing, allocating assets, economic evaluation, and other fiscal and financial problems.

As a financial advisor you will help people turn out to be personal debt free and financially impartial.  To help people get to fiscal liberty you will use instruments and fiscal solutions these kinds of as mutual money, common stock, preferred stock bonds, choices (phone calls and puts), commodities and futures, outside the house consulting, daily life insurance policies, and soft ware assisted fiscal evaluation.

In purchase to enter a job in fiscal services a person should go a series of exams.  Distinctive companies have diverse prerequisites of exams you should go.  The series seven will allow a person to sell typical securities these kinds of as stock, bonds, mutual money, and trade traded money etc.  A series 6 will allow a rep to sell mutual money.  The series sixty six will allow an advisor to cost a charge centered on assistance.  Other exams a person may be needed to go are the series 31 (commodities and futures) and certain insurance policies licensing exams.  Scientific tests show that a job as a financial advisor will be a person of the best occupations to go after as the need for fiscal services raises.

The toughest portion of a job in fiscal services is finding your foot in the door.  There are a lot of strategies to landing a aspiration occupation as a financial advisor or stock broker and a lot of hoops a person should soar by to prevail over the weeding out procedure.  To discover a lot more visit http://www.aspiringfinancialadvisor.com/

Supply by John

Marketing: The Blood for All Business

Marketing: The Blood for All Business

When it will come to any business, the price of strategic marketing, the blood for all business, cannot be dismissed. Marketing handles planning, SWOT evaluation, buyer actions, spending budget and the other factors that affect how the firm’s products charm to the goal consumers. With no it, folks would not know that a product or support exists, what it is about, and if it is a requirement or want. What is crucial is to include the buyer in the definition, as devoid of it, there would not be any business at all.

Advertising has numerous definitions, but the most frequent is that it is the system of figuring out and distributing the solutions and solutions that provide a price to the buyer. It also usually means creating and keeping the customer’s romance with the business. It is what defines a business and differentiates it from other people.

Significance of Advertising

No business should really be devoid of somebody in cost of marketing. In point, no business would at any time get off the floor devoid of a fantastic marketing prepare. Figuring out the product alone is previously a action in marketing. The goal consumers should really also be identified alongside with details on demographics, attitudes and perceptions, and buy actions. Then, the product is matched with the goal sector details. This guarantees that customers will essentially acquire the firm’s solutions. The marketing prepare also includes ways on how to retain these consumers and retain them faithful to the brand. But, there is a lot more to marketing than these ways. Powerful marketing requirements to be strategic.

What can make strategic marketing the blood for all business enterprises is that it keeps the consumers coming. Obviously, marketing is a system and it should really provide as a tutorial for producing decisions on everything about the product/s. The system has to be continuous and means should really be allotted to it. The objective of strategic marketing is to support the company realize its earnings targets among other people.

Listed here are some a lot more of the advantages that clearly underscore the relevance of strategic marketing for companies:

1. Marketing Lets the Company to Swiftly Adapt to Improvements – component of strategic marketing needs that the business retain abreast of developments in the field and in the economic atmosphere it operates in. This way, it will be prepared to seize prospects or to steer crystal clear of hurdles when they current themselves. Being organized for contingencies is a single of the things of an productive strategic marketing prepare. Irrespective of whether the variations are good or damaging, a fantastic marketing prepare should really allow the company to make the most out of the problem.

2. Marketing Retains Firms Competitive – a SWOT evaluation is an necessary component of a strategic marketing prepare. This will involve the identification of the firm’s strengths, weaknesses, prospects, and threats. These are often reviewed vis-à-vis the competitive landscape. Marketing intelligence is vital to scope out the competition and discover out why customers are shopping for their solutions. The problem in strengthening the firm’s solutions and solutions is to prevent currently being labeled as copycats. The trick to capturing the competitors’ sector share as nicely is to “leading” what they are offering with greater product advantages or options.

three. Marketing Stimulates Sales More rapidly – a lot more than advertising, it is marketing that essentially keeps the hard cash register ringing. Advertising can only do so considerably when it will come to attracting consumers. Marketing is the a single that compels them to acquire and to retain on shopping for the solutions. Marketing will come up with the correct packaging, pricing, and promotions to encourage sales quicker.

Advertising Initiatives

All through the marketing system, there are various initiatives that can be bundled. A marketing prepare is usually drawn up as component of the annual business prepare. The marketing prepare for the coming yr is usually primarily based on the past year’s options until the business would like to undertake drastic variations in response to sector, field, or environmental developments. Between the marketing initiatives that are in-depth in marketing options include: tapping new sector segments, discovering new sector parts, repackaging solutions, developing and launching new solutions, and keeping promotions for solutions that need a tiny drive.

To come up with these initiatives, the marketing departments do research either by their own in-property crew or by employing an exterior research agency. The scope of research requirements could fluctuate based on what initiatives the company would like to take a look at. Benchmarking studies are frequent for companies offering solutions. Target team conversations on consumer attitudes and passions and surveys on product tastes and utilization are usual for solutions advertising fast going buyer products. For trustworthy and usable research success, the goals of the analyze should really be in sync with the marketing plans as nicely.

Firms should really understand that there is no a single-dimensions-matches-all marketing. Every business should really be crystal clear about what its plans and goals are and should really tailor-match its marketing prepare accordingly. It requirements to be crystal clear about its goal sector and come up with artistic approaches to meet up with their requirements and would like. Only by producing strategic marketing the blood for all business can genuine revenue be created and sustained over the very long phrase.

Source by Loki Ong

Business Management Competencies Demanded To Operate A Business Effectively

Business Management Competencies Demanded To Operate A Business Effectively

If you are managing a business, then you will involve selected skills to make sure the accomplishment of the business enterprise. There are quite a few business management skills demanded to effectively operate a business, and some of them consist of correct organizing, firm, troubleshooting, and coordination. These main skills are necessary to make the business a worthwhile and successful enterprise.

The most important business management skills demanded to operate a business effectively are mentioned in temporary underneath:

Planning: This is the most important business management skill. All business ventures have objectives and targets and the only way to realize them is as a result of correct organizing. A aspect of organizing requires predicting the penalties of taking a particular phase or measure. Planning requires careful assessment of facts and facts, and this assessment aids the individual to make successful selections. Also, complications can be handled successfully as organizing requires troubleshooting and SWAT assessment.

Interaction: Distinct predicaments demand distinct conversation skills. For this reason, irrespective of whether it is negotiation or working with a tardy employer, successful conversation skills are necessary.

Organizing: A business cannot prosper if it is not organized. When a business is organized, optimum use of skills takes place. For this reason, it is crucial that a individual controlling a business has excellent organizational and coordination skills. This will also aid keep the workforce targeted on the business objectives and make it possible for them to perform in a harmonious method.

Economic Management: A business enterprise cannot be successful with no correct monetary management. Appropriate management of finances makes sure that uncooked products can be procured, stock is not way too substantial, and allocation of cash to distinct business desires is undertaken. Very good approaches of monetary management can make all the change amongst a business enterprise being successful and unsuccessful.

Stock: A business ought to only retailer stock that is necessary. If way too considerably stock is there, it will block the cash, which could have been set to superior use. When there is stock, other expenses boost, like storage, safety and transportation. All these extra expenses have an effect on the over-all profitability of the business.

Ethics: Without the need of correct ethics, it is not attainable to operate a successful business. In get to endure on a extended term foundation, the business ought to have moral techniques in spot. This requires the way business is conducted, how the company handles environmental and other delicate challenges, corporate social duty, and how the business handles its workforce.

All these elements play a huge purpose in making sure the accomplishment of a business. For this reason, business management skills are the new mantra, but they have been all-around for eons.

Source by Kum Martin

Secrets to Huge 4 Recruiting

Secrets to Huge 4 Recruiting

Getting a work at 1 of the Huge 4 ( Deloitte, Ernst & Young, PricewaterhouseCoopers and KPMG ) is the purpose of a lot of higher education pupils. Irrespective of whether you are hunting for a Huge 4 work upon graduation or a Huge 4 internship, you do not want to go in by itself. There are a lot of tricks to the Huge 4 recruiting process. The process is not like consulting interviews or investment decision banking interviews. Those interviews are relatively simple as opposed to the tricks the Huge 4 will toss at you.

Unlike other professions, you will not likely have to clear up circumstance issues. Most accounting interviews will not likely even contain accounting-specific concerns. You probably wanting to know then, just what these corporations will question you. Your inreview will question you a range of behavioral concerns. The interviewer will be attempting to “get a sense” for your “suit” with the company.

When implementing to the Huge 4 accounting corporations you need to make confident that you know the various positions open and precisely what you are intrigued in. You need to devote some time on the company websites. Make confident you know what a usual individual does in the place you are implementing for. Most people commonly consider of accountants as people who “do taxes” but which is far from the fact, even for Huge 4 tax accountants. As a tax accountant you are far more of a tax strategist than a “tax filer”.

You will have the greatest chance of securing a Huge 4 work if you go to a faculty in which they seriously recruit. It goes with no saying that they are going to be hunting for pupils with a large GPA. Do not fear if you have not taken a ton of accounting courses still even though, this isn’t really too massive of a deal mainly because they know you can consider them afterwards. A great GPA and resume need to be your #1 focus all through your higher education several years mainly because with no them you will have a challenging time even receiving the Huge 4 to seem at you. Just after that, you just have to impress them with the strategies uncovered in the Huge 4 Recruiting Secrets .

Supply by Mike Adams

Determining the Successful Financial Advisor

Determining the Successful Financial Advisor

With hundreds of financial advisors boasting their experience in income management, how can we find a financial advisor who can very best serve our interests?

Excluding the privileged few, most of us commit our day to day existence hoping to get some earnings from our work opportunities. We have so a lot of ideas waiting around to be understood, the desire vehicle, the desire dwelling, the desire family vacation, the desire business, the desire task, the desire lifetime associate, the desire household. Specified these unfulfilled wishes craving to transform into realities, and given the few means by means of which we can materialize these wishes, how do we occur up with strategies to progressively and undoubtedly fulfill what we want?

Selecting the companies of a qualified financial advisor / financial commitment advisor is a superior way to occur up with a in-depth program on how to correct our means to the right locations whereby they can develop and be employed as signifies to get long run property. An financial commitment advisor can assistance us photo very clear procedures to improve our financial property, predict long run financial issues, and means by means of which we can take care of these kinds of issues and bounce back to our preliminary plans.

Determining an efficient financial advisor can be accomplished with a uncomplicated facial area-to-facial area consultation with the possible income supervisor. An efficient financial advisor does not blabber an enumeration of guarantees but first inquires on the mother nature of the perform. If we are not articulate ample, a superior financial advisor will have the initiative to request thoughts on what we want to take place to our financial means, and the means by means of which she can assistance notice these wants. An efficient financial advisor presents her purchasers selections to pick from, or in some conditions the absence of it. She will make her purchasers fully grasp the scope of companies which she can deliver, and then actually admits her very own constraints, and the constraints of the possibilities of satisfying her clients’ financial ambitions.

Resource by chai

Financial functions in multinational firms

Financial functions in multinational firms

Finance is the Life Blood of the Business and so the scenario of MNCs also. The only variance in finance of domestic companies and MNCs is that the finance in domestic companies is in domestic forex in which as in scenario of the MNCs the finance is in multi currencies. But regardless of what be the situations, with out finance, no company can exist. Finance is expected for numerous uses like obtain of raw material, obtain of equipment, purchases of the related objects, payment of salaries, meeting the operational costs, etcetera., so the finance is expected for all these uses. To know about the functions of multinational firms will aid for finance assignments.  The functions of furnishing finance to the MNCs are recognised as Funding MNCs. Brief – Expression Funding is financing the performing capital specifications of multinational companies’ foreign affiliate’s poses a intricate choice challenge.

This complexity stems from the substantial number of financing choices out there to the subsidiary of an MNC. Subsidiaries have entry to money from sister affiliates and the guardian, as well as external resources. The following are the financing which is very long term significantly for the capital equipments and other significant objects given to the MNCs who are actively engaged in the International Trade. one. Export Funding 2.Export Credit history Subsidies and 3.Export Credit history Insurance plan.  Products that require very long repayment arrangements, most government of produced nations around the world have tried to give their domestic exporters with aggressive edge in the sort reduced-expense export financing and concessionary rates on political and economic danger insurance plan. Just about each individual development country has its personal export-import agency for trade financing and development.

Increasing of money on favourable conditions is an critical part of fiscal management.  This also retains great for procurement of money in the international current market, in any forex.  Multinational money may perhaps be elevated possibly by way of inside or external resources.  Inside money comprise share capital, financial loans from patent company, and retained earnings.  Funds from external resources can be elevated from:

Business Banking institutions – Business Banking institutions all over the earth give foreign forex financial loans for international operations as they do for domestic operations.  These financial institutions also delivered facility to overdraw, over and over the mortgage volume.

Discounting of Trade Expenses – This strategy is used as a small-term financing strategy.  It is greatly used in Europe and Asia to finance both domestic and international trade. 

Euro-forex Sector – When the forex is deposited outdoors the country of origin.  It is termed as Eurocurrency. 

Euro-bond Marketplaces – Like euro-forex current market, euro-bond current market has emerged as a further considerable resource of capital.  Euro-bonds are also largely bought in nations around the world other than that of the country in whose forex the bond is denominated.  As a result, bonds denominated in yen but bought in US, Britain etcetera., are recognised as euro-bonds.

Progress Banking institutions – Numerous nations around the world have development financial institutions which give very long and medium-term financial loans.  Numerous companies at the national degree give incentives for firms to devote within their country or to finance exports. 

International Organizations – Numerous international companies have appear into remaining for financing distinct class of projects. 

Source by Benny

The great importance of sales in business

The great importance of sales in business

In business, sales are the heart of the company. No sales, no business. Company that does not concentrate on their sales or offering things to do would eventually close off. But it is also worthy to note that an additional harmony element to the company survival is their income management. This is simply because the essential formulation for business to survive is sales minus price = income.

How do we increase sales then? This is exactly where the marketing prepare and procedures occur into the photograph. To travel or increase sales, the company needs to increase their things to do in obtaining their goods to be marketed or use in the current market. The additional people obtain the firm’s goods, the better the income the company will get.

This is really a essential expertise for any business proprietors. Having said that, what I would like to highlight is that (also functions as a reminder for me) a good deal of business proprietors or leaders in the group ignore about this essential offering strategies in their each day functions. They are swamp with a good deal of operational concerns and issues conclusion up they ignore to watch their sales things to do. Only at the conclusion of the thirty day period did they know their company is unable to shell out the bills and in worse circumstance, the staff salaries.

If you work as an employee of an group and is in-demand of the company sales department, it is incredibly essential that you monitor and put into practice the sales prepare. Should really you fail to fulfill the focus on established, you need to have to swiftly review what went incorrect and commence scheduling a new or revamp the current sales and marketing procedures.

How do we know the procedures work? The conclusion outcome of your offering things to do or marketing systems is increase in your sales. Solutions are remaining marketed and bought by your buyers. If no alter in your sales volume ahead of and after your marketing things to do, then whatsoever you have carried out is not functioning.

As business proprietors, whether or not your company is massive or small, making sure your company to carry on recording better sales volume is a will have to. With no sales, your company will die off gradually. Having said that, like I highlighted ahead of, if your company has high sales volume but you spend all the revenue on some other unproductive factors and do not manage the income effectively, your company can also die off swiftly. It is a balancing act that you as business proprietors will have to do. At the conclusion of the working day, sales minus price equal to income.

Source by Azizul

UMT Consulting SA – Venture & Portfolio Management Experts

UMT Consulting SA – Venture & Portfolio Management Experts

UMT Consulting SA’s vision is to stand as the foremost Venture, Method and Portfolio Management company in Southern Africa. Specialising in consulting and outsourcing, we strive to arrive at our target by means of the software of ideal techniques and the deployment of extremely capable and qualified experts. UMT Consulting SA prescribes to a set of values, which we actively use to all areas of our business. From the complicated to the commonplace, these values guidebook and motivate all our business actions. They can be seen as the coronary heart of our organisation itself. They are:

  • Possession and Accountability motivates particular excellence and dependability
  • Trustworthiness makes sure that the virtues of honesty and integrity are generally upheld
  • Regard encourages the establishment of optimistic, meaningful and helpful associations
  • Innovation & Growth encourages amazing imagining and the improvement of new tips
  • Range safeguards how we embrace the distinctions and person expressions of our workforce

UMT Consulting SA as the initially, and most noticeable alternative, in optimum task, programme and portfolio management shipping.

Constantly increasing our customer’s PPPM ecosystem from good to wonderful, by means of the development of synergy among people today, processes and programs, in get to:

  • Actively renovate and deliver overall performance gains and price
  • Provide environment class alternatives
  • Handle time, cost, excellent and risks.

” Microsoft introduced the RTM (Release to Manufacture) version of their 2010 Merchandise Suite. As a Gold Accredited spouse, UMT Consulting SA has been gearing up for this release for some time now. We have presently internally put in the RC (Release Prospect) version of the merchandise to start out analysing the distinctions, as effectively as carrying out an inner improve of our task server operational ecosystem to 2010.

We are delighted to report that, consequently much, we have not experienced any really serious troubles with any of our endeavours. This is primarily based on the point that the core database architecture for the 2010 Suite has stayed the very same, in which-as with 2007 there was a total re-improvement of the core architecture of the merchandise.

UMT Consulting SA has been closely involved with all version of Venture and Venture server at any time launched by Microsoft, as the implementation of EPM computer software is just one of our niches. UMT Consulting SA is pretty thrilled about the 2010 release, as this is the biggest enhancement and effort and hard work invested on, primarily Venture server 2010, because the preliminary start of task server 2003. By means of the a long time Microsoft has developed the MSP (Microsoft Venture Natural environment) from a stand-on your own software to a entirely fledged, built-in, interaction and collaboration ecosystem.

UMT Consulting SA has been incorporating SharePoint into our over-all PPM alternatives for the past four a long time now. Microsoft has generally closely interlinked and built-in SharePoint and task server, but with the release of the 2010 Suite, these two products and solutions are now a lot more tightly built-in than at any time before. Venture Server 2010 has been built on-top rated of SharePoint 2010, how-at any time SharePoint 2010 can nonetheless exist on its have and certainly in just its have ideal. “

supply: http://www.umtsa.co.za/task-management-information.html

Source by mariever

The Relationship Concerning Insurance coverage and Finance

The Relationship Concerning Insurance coverage and Finance

Insurance coverage and finance are intently interwoven fields of business, not least simply because they both contain revenue. They also often both contain speculation and danger, and often exactly where one goes, the other will adhere to. Take home investment decision for illustration, it entails a big volume of money out lay, swiftly followed by insurance to secure the money investment decision. It would be preposterous to spend these a broad sum of revenue on a undertaking and not secure it against achievable problems. It therefore can make feeling to keep facts on these two subjects jointly, as the relationship is so logical.

Insurance coverage is a form of danger management utilised to secure the insured against the danger of a decline. It is defined as the equitable transfer of the danger of a decline from one entity to yet another in exchange for a quality. There are unique forms of insurance for just about each and every conceivable event. The most frequent insurance is in all probability life insurance, which offers a monetary reward to a decedent’s loved ones or other selected beneficiary.

It can deal with funeral or burial prices and can be paid out out to the beneficiary in possibly a lump sum or as an annuity. Property insurance is one of the more essential insurances as home is extremely high-priced and if it is shed or weakened for some motive (fireplace, earthquake, flood) it can be really tricky to swap with out satisfactory reimbursement. Vacation insurance utilised to be noticed as an unwanted cost and is still considered as these by a lot of. Its value is, nevertheless, remaining significantly recognised by the community at big. It is deal with taken by these who travel overseas and addresses specific unforeseen occasions these as health care bills, decline of personal belongings, travel delays and so on. There are various other varieties of insurance, far too a lot of to mention, all very important if you want to secure anything of individual value to you or yet another.

In the entire world of finance there are a lot of sub-categories, also far too various to mention but a couple will be incorporated right here. Currency trading, or the international exchange sector where ever one forex is traded for yet another. It involves trading amongst banking companies, speculators, establishments, businesses, governments, and other money marketplaces. The typical each day trade in the world wide forex trading is around US$ three trillion.

Tax consulting normally entails CPAs and tax legal professionals in addressing any tax concerns that you could have. There could also be Professional Strategic Tax Planners and Enrolled Brokers, dependent on the company that you seek the services of. They will enable you minimize your tax personal debt, reduce tax penalties, an harmless wife or husband claim, tax liens, financial institution levies, and making ready unfilled tax returns, as effectively as any other tax resolution challenge that you may have.

Property investment decision is normally when an investor buys home with an eye to generate income and not to occupy it. It is an asset that has been acquired and held for long term appreciation, profits or portfolio functions. In some cases an investment decision home does not have to be held for income, as some landlords in New York lease office environment properties to non-income organisations for tax functions. Property owners take into account their residences to be investments but they usually are not categorized as investment decision attributes. Maybe if you might be buying your second or third home, it can be deemed an investment decision home, in particular if you system to hire it out to enable pay back off the home personal loan.

Organization networking is a marketing approach, which is as previous as business by itself. It can be been about due to the fact at any time due to the fact people today uncovered to hold a glass of whiskey and schmooze. In point, its in all probability been about a whole lot extended, Cro-Magnon male in all probability gathered about the newly found out fireplace and showed each other their assortment of animal teeth and traded them. Making networks of crocodile teeth house owners and sabre toothed tiger house owners, who tried a just take around bid against the sabre toothed leopard house owners. Business networking is intended to generate business prospects by social networks. It helps if the people today concerned are of the similar body of brain.

These times a really helpful way of business networking is by means of the Net on the numerous social media offered. But it ought to be said that really small can defeat the intimacy and rely on established by experience-to-experience associations. Also, exactly where would our businessmen be with out their whiskeys and weekly schmooze?

Source by Sandy Cosser