Orchestrating a get together of more than a handful of people can be a monumental task requiring lots of planning, shopping trips to multiple stores, and days of food prep.  Not to mention the coordination required to make sure the house is clean, the food and drinks are set up and ready for the first guest, and that you’ve had time to shower and get ready.  With all of the stress that goes into party planning it can be hard for the host or hostess to find the time to relax, have fun and enjoy their guests—which is precisely why we have parties in the first place!  This is where a professional catering company can help. Casey Crites, with Foodeze Executive Caterers, shares some helpful tips for making sure your next party is a much less stressed success!

Should people who are having a small gathering (say 25 people or less) consider catering some or all of the food?

Absolutely. When you factor in the time and finances it takes to put together even a small gathering of friends and family such as planning the menu, purchasing the ingredients, preparing the food and setting up the space, the cost of hiring a catering company is often more economical than going it alone. Throw in the added benefit of enjoying your guests instead of constantly having to make sure things are running smoothly and catering, even for small groups, makes even more sense.

How should someone decide what to make themselves versus use a caterer for?

It does depend on the type of gathering you are planning. If you are interested in doing a small, at – home gathering for a few friends and you are interested in contributing, then having a caterer come in and take care of the main dishes would be a good option and the host/ess can contribute some side dishes and/or sweets that are easily prepared in advance. If, however, you are planning a more formal gathering with a larger crowd, then I recommend having the entire event catered.

Can catering be affordable?

Yes! The key is to find a caterer that is able to work within your budget. At Foodeze, for example, we take great measures to create custom menus to fit any price point.   When putting together a menu, I always make sure to include a few pricier items that will truly wow your guests and then fill in with other selections that are still very tasty, but more economical.

What are the advantages of using a caterer as opposed to making food yourself?

The main advantage is a reduced stress level and having the time to enjoy your company as opposed to worrying about all the small details.  This is especially true when hosting larger gatherings.

Do you have any suggestions for people who have difficulty choosing a menu?

First, I suggest that you select items that you enjoy.  As much as you are trying to satisfy and entertain your guests, you also want to make sure that you are pleasing yourself.   Choose one or two items to start with, and then ask your caterer for suggestions that would compliment your choices.

YuDu would like to thank Casey Crites of Foodeze Catering for serving as the resource for this article. Check out their website or email Casey at casey@foodezecatering.com for more information.

To some people, the idea of redecorating the living room or remodeling their kitchen gets their creative juices flowing with the thousands of possibilities that the space could take on.  For the rest of us, these types of projects can be overwhelming because of all the choices that exist or because we lack the vision needed to picture the end result.  Perhaps you have a particular style you like but don’t know how to implement the look in a cost-effective or practical way, or maybe you just don’t have the time to spend scouring the stores and internet in search of the perfect pieces to complete the room.  Regardless of your design dilemma, it might make sense to bring in an interior design professional.  A professional can use their vast resources and experience to ensure you explore all of the options (and stay within budget!) so that you end up with a room you love for years to come.  Need help deciding whether to approach an interior designer in the first place?  Read on for some great advice on when to seek the help of a professional.

1. What kind of redecorating projects should someone tackle on their own and which are best left to a professional?

Any type of project that requires interior architecture, built-ins, and other fixed elements are best left to an interior designer.  A good example would be rooms like kitchens and baths that require a lot of design features.  Those rooms require cabinetry, wall coverings, fixtures, and countertops that once chosen are not easily changed like an accent pillow or lamp.  A design professional can help make these kinds of selections so that everything falls into place seamlessly without a less than satisfied outcome.  An interior designer is able to see the individual elements together as a whole; how they will relate and coordinate with other aspects in the room, which is often hard for people to visualize.

Projects that present a difficult design solution are also best left to a professional.  If someone is stuck or confused on how to decorate a space due to strange architectural details, a multipurpose space that needs to be utilized in the most functional way, or there are certain elements already established that are making it difficult to find a solution, an interior designer is a good person to bring in for help.  It’s a challenge, but a fun one, when a designer has multiple variables and goals to accomplish in a design project.  It is our job to take all requests and requirements into account and make them a reality.

2. What information or ideas should people have with them when they first sit down with an interior designer?

Explain what type of project it is, i.e. kitchen or bath renovation, updating a bedroom, or redecorating the first floor of the house.  There are three key points that a potential client should be ready to discuss with an interior designer.

First, explain what activities need to take place in the space, how the space needs to function, and who will use the space once completed.

Second, give an idea of the overall feel and look desired in end.  What type of design style, color scheme, and existing pieces are to be reused in the space?

Third, be thinking of a budget that you are comfortable with.  It can be hard to estimate exactly what a project will cost, but it’s helpful tostart out with a ballpark figure.  Evaluate the amount you would like to spend and be upfront from the beginning.  An interior designer can help determine if the project is feasible due to the budget and if not give ideas and solutions for ways to make it happen.

3. How can someone be sure they are selecting an interior designer that they will work well with and that will carry out their vision? (i.e. what questions should they ask when interviewing)

Do your research.  Ask for referrals.  Once you have a few in mind, check out a designers website, look at their portfolio and type of work, and see if they are listed in any local design magazines.

You want to find a designer that meshes will with your personality.  The interview is not just a time for you to learn about their expertise, but also a time to feel them out and see if they work well with you.

Some questions to ask are:

Is the project doable with the allotted space?

How long will it take to complete the project?

What is the next step after our initial consultation?

4. I have a small decorating budget, should I even consider getting the help of an interior designer?  Is there such thing as too small a project?

Yes, you should consider using an interior designer even if your budget is small.  At Ink Interiors no project is too small or too big.  Many people think that hiring a designer is going to cost more because of design fees, but if you are upfront with a designer from the start, they should be able to accommodate your budget.  Interior Design fees are different among designers, so where one might be to high for a small, price conscious budget, another may be able to do it because of a different fee structure.

An interior designer can help facilitate a small budget because we know where to best source furnishings and fixtures.  Our wealth of knowledge and abundant resources can help guide a client to get the best bang for their buck.

5. How do you tell an interior designer you don’t like what they’ve picked out for you without hurting their feelings?

You just have to be up front.  Interior Designers try really hard to get to know the client and their personal taste.  We want the space to reflect the client when finished, not the interior designer.  There are instances, however, when a client may not like something simply because they don’t, and the designer has no way of really knowing.  If this is the case, speak up.  It’s your space and you should love every part of it.

It’s important to let a designer know if you do not like something, but also important to listen as to why they selected it. It might play a big roll on the overall look of the space.  If it’s something you really don’t like, then it should be replaced, but often times once the designer gives an explanation it might make more sense.

6. If I don’t have a whole room or house to re-do does it make sense to consult an interior designer?  What if I only need a few pieces of furniture spread across several different rooms in the house?

Not all design projects have to include decorating an entire house.  Addressing one room or space at a time is perfectly doable.  If you want a professional opinion and someone with a trained eye, then you should consider consulting an interior designer.  No project is too small or insignificant.

YuDu would like to thank Jesse Phipps of ink Architecture LLC for serving as the resource for this article.  For more information, visit their website or call 843.882.7810.

What aspects of a financial strategy make sense for people to handle themselves?

At the ground level, it’s a good idea to have a handle on your budget and overall cash flow— you should be aware of where your money is coming from and where it’s going. An advisor will be able to provide some worksheets and materials to facilitate this process, and an excellent (and free!) online resource is www.mint.com. From a big picture perspective, it’s great to see people that have taken the time to understand their core values and unique life goals. When it’s time to consult a professional, being able to effectively articulate what’s important and why will help determine and validate the best course of action going forward.

When (at what age or at what point in their careers) should people start thinking about their retirement?

As soon as possible with conditions. Even if you’re just getting started or don’t have much contribute, the power of tax deferred gains and compounding interest over time is significant. Unfortunately, we’re at a point where the consumer is becoming more responsible for their retirement income and long-term health care expenses; therefore, the earlier you take action the better. The conditions are primarily a function of priority as it relates to developing a financial strategy. In short, this process addresses the “controllables” in this order: cash flow, risk management, accumulation, and distribution. If you are maxing out your 401K at work but don’t have an adequate emergency fund in place and something comes up (assuming you’re younger than 59 ½), you’ll either be forced to take an early distribution from the 401K with a 10% penalty on top of the income tax or put it on plastic; neither of which are a good option. Shifting gears to risk management, in real-world situations and case studies it’s not uncommon to see people effectively plan for retirement but fail to properly mitigate the risk of a premature death or loss of income during the accumulation years.

The next most important question beyond ‘when?’ is ‘which one?’ It’s imperative to know the differences and opportunities associated with the different qualified plans such as a 401K / 403B, Roth IRA, Traditional IRA, SEP, SIMPLE, etc. One of the hottest topics currently is the taxation of future distributions from qualified plans. Although the future tax environment is unknown, having a strategy that can hedge your exposure to income tax down the road is key.

What are the benefits of using a financial advisor versus trying to manage your money yourself?

If managing your own finances without assistance interrupts time with loved ones and the things that are most important, think about seeking the assistance of a financial professional and get back to what matters. Educating yourself is a great thing and if you’re selective, there are great websites, books, and speakers that can be a valuable resource. That being said, most mistakes are made in the lack of execution, practical application of suitable products and holdings, and not building a customized strategy that meets your specific needs. Last but certainly not least, most people have a certain bias towards their own personal situations and their finances are no different. Finding an independent advisor or firm with the proper designations and team of specialists who provide advice tailored to your situation will simultaneously help allow you the time and lifestyle you desire while increasing your probability of success.

What is the value of a full service broker versus using a discount online trading platform?

Many of the online platforms have come a long way with technology, research capabilities, and operational integrity; seldom does ‘discount’ mean ‘less sophisticated’. The E*Trades of the world have provided the general consumer the opportunity to get more involved with their research and trading which is a great thing. It goes without saying that a professional broker brings value to the table and may have access to holdings or knowledge that you and I may not; this all comes at a price of course. Try not to think in terms of ‘this is too expensive’, but rather ‘am I getting what I’m paying for?’ If the answer is no, that means it’s too expensive.

Is there a minimum amount of money that someone should have before they consider using a financial advisor or planner?

Certain advisors, institutions, money managers, and platforms do have a minimum account value associated with participation for various reasons. There are many advisors that do not have a minimum requirement or operate on a fee-based or fee-only agreement as well. I would recommend seeking independent and professional guidance for which one works best for your particular needs and why. People come in and out of money on a daily basis and the proverbial ‘market’ is beyond our control. Find a professional that understands your unique life goals and shares similar values, and you will create a relevant relationship that has little to do with numbers and everything to do with parity.

YuDu would like to thank Jon Carroll, financial advisor with Commonwealth Financial Group, for serving as the resource for this article. For more information, visit www.commonwealthfg.com or drop Jon email at Jon.Carroll@commonwealthfg.com.

Registered Representative and Investment Advisory Representative.  Securities and Investment Advisory Services offered through Securian Financial Services, Inc., Member FINRA/SIPC. Commonwealth Financial Group is independently owned and operated.  Neither Securian Financial Services, Inc. nor Commonwealth Financial Group are affiliated with YuDu, or the other companies listed on this site.  DOFU 4/29/11 316183

The responsibility for overseeing one’s financial situation and making financial decisions cannot be delegated to a Financial Advisor.  A Financial Advisor can work with a client to educate them on financial matters, and help them make quality financial decisions, but those financial decisions must be made by the client. This information should not be considered as tax advice.  You should consult your tax advisor concerning your own tax situation.

I have to confess, I have more clothes, shoes and accessories than I know what to do with.  Before meeting Lee, however, I was often overwhelmed by the choices and didn’t know how to put the various pieces in my wardrobe together.  I found myself wearing the same things over and over again because they are accessible and comfortable, not because they project anything about my personality, style or mood.  Finally, I gave Lee a call.  A style concierge can work with you to help you discover your own personal style and then build your wardrobe around the image you are trying to project.  Best of all, they can do this using your existing wardrobe!

Lee Heyward, founder of Charleston Style Concierge, was kind enough to share her expertise with us.

How does Charleston Style Concierge help women achieve great style?

At Charleston Style Concierge our goal is to help women discover a style they love that makes them feel confident and happy. Ironically style isn’t about fashion—it’s about expressing yourself and feeling comfortable with who you are. We can help a woman do this through our style coaching services.

All of our products and services are education based. We believe that anyone can have great style. All you need are the tips and tricks that are sure to help you look and feel your best. Whether you want to learn how to shop for clothes you truly love or wear what’s in your closet more, we can help!

Will using a service like this save me time?

Absolutely! One of my signature talks is “How to Get Dressed in Ten Minutes or Less.” Women arrive at this talk skeptical that this is even possible, but they leave knowing that it is!

Deciding what to wear can be a very frustrating time waster each morning. The good news is that there is a solution—and it’s easy! The key is creating a versatile wardrobe.

A versatile wardrobe contains clothing and accessories that can be dressed up or dressed down, mixed together differently, and can help you create unique and interesting looks that reflect your personal style.

To create a versatile wardrobe you must be disciplined about what you need. And to know what you need you must know what you have. Spend some time peeking around your closet before you head out to shop. This will help you make smart choices that easily mix with your current wardrobe—keeping you from buying another black shirt.

If I agree to a Closet Edit, will you throw away all of my clothes?

Definitely not! The point of a closet edit is to help you discover the disconnect between the style that you desire and the style you have created. This disconnect is the reason so many women change clothes multiple times before settling on something and running out the door.

A closet edit is an opportunity to take inventory of what you have and what you need—it is your recipe for style. Sure you can whip up a dish without a recipe, but it never turns out quite how you wanted it to. Your style is the same way.

Yes, sometimes it is time for clothes to move on. They can be donated to goodwill, sold at consignment, or turned into other household items. Other times all you might need is a simple alteration to an item of clothing. It can go from something you hate to something you love. Ever had a skirt in your closet that you try on every few weeks and take off because it makes you feel frumpy? You could simply shorten it to the most flattering length for you and voila you have a skirt you actually want to wear.

I don’t have money to buy a whole new wardrobe, but I could use some help “shopping in my own closet.”  Is this a service you offer?

Even if you have unlimited funds, I believe in shopping your closet first. We are human so we easily forget what we have. If you shop your closet first you always know what you have and are able to make smarter shopping choices.

Style can be had on any budget and shopping in your own closet is a great way to do this. Simply having a fresh eye help you create outfits can make your style feel completely refreshed. Worried you’ll go back to putting the same old outfits together? Create a look book. This is a service we offer where we take pictures of outfits we put together for you to reference on a morning you are running late or simply need style inspiration.

I thought only celebrities used personal stylists, isn’t it prohibitively expensive?

Using a personal stylist or style coach is an investment in yourself. I don’t believe there is value in “dressing” a client. I believe in teaching a client how to dress themselves. That might sound funny, but consider where you learned how to dress. Most of us developed a style from things our parents made us wear, what our peers said or did, or by watching others. Working with a style professional is an opportunity to learn what works for your body, your lifestyle, and your desires.

Once you have this knowledge it is easy to say no to a salesperson trying to talk you into a dress you don’t need, decide to skip a trend you know isn’t right for your body type, or know that a simple alteration can save you the time and money it would take to buy a new pair of pants.

About Lee

Lee Heyward is a style coach and owner of Charleston Style Concierge, LLC, a company that specializes in teaching women how to achieve easy and effortless style. Lee works with clients one-on-one, virtually, and hosts monthly seminars. Lee believes anyone can have great style with a little knowledge and an open mind.

Caviar & Bananas is great for more than just a gourmet meal-to-go. Have them cater your next party, or just supplement your own holiday spread with a few choice side dishes. Need a break from your holiday shopping on King Street? Pop over to C&B for a quick lunch or power up with an organic cup of joe. Need a gift for that impossible to buy for person on your list? C&B creates scrumptious gift baskets that would put a smile on the Grinch’s face. The options are endless, customizable and can fit any price range.

(http://www.caviarandbananas.com/pdf/gift_baskets_list_dec09.pdf).

Harry and David is nice but easily forgotten. A unique gift basket from Caviar & Bananas will make a lasting impression and help support a local business. Eating well and gift giving have never been so easy!

CAVIAR & BANANAS | 51 GEORGE STREET CHARLESTON SC 29401 |

CAFE TEL: 843.577.7757 | CATERING | TEL: 843.577.9997 | FAX: 843.577.7778

http://www.caviarandbananas.com/

Christoph Artisan Chocolatier – the absolute best chocolate you have ever tasted. Not to mention it is BEAUTIFUL and makes amazing centerpieces (until you devour them!)

Private Eyes Undies the coolest, and most motivating underwear on earth. You can buy them online or in local stores. You can even customize some of them! Gift wrapping and shipping options available.

Palmetto Moon pretty much everything any Sandlapper sports fan could want. Clemson hoodies, USC turvis tumblers – it is paradise for any SC tailgating guru.

Charleston Cookie Company – yuuum! Nothing says “Happy Holidays” like delicious good-as-homemade cookies. The packaging is gorgeous and with a dozen flavor to choose from, you can’t go wrong!

Charleston Mix Bloody Mary – uses local ingredients to perfect this favorite Sunday brunch beverage. You can buy online or at local stores.

HelloEveryWear – super creative kids and adult t-shirt (and other products) designs by the uber talented, Robyn Diamond. We love the “real life” attitude statements that adorn the shirts, mugs, onesies, and water bottles for Moms, babies, and their relatives.  Can anyone say “stocking stuffer”?

We would also like to give a shout out to the team at the Little Black Book for Every Busy Woman. They are fabulous at promoting other local stores, announcing Cyber Monday promotions, and giving time saving tips and checklists to busy readers. Check out their Holiday Survival Guide. We love what they do!

These are just a few! Let us know your favorite online store or shopping experience!

YuDu clients often ask for recommendations on cleaning services.  Sometimes this is for a regular service and sometimes for a one time big event. While YuDu supports several local cleaners (who all rock), the team at Maid Pure makes delegating my household chores a no brainer and they are a major contributor to my ability to achieve life balance. Why spend all Saturday doing what takes them 2 hours? And they do it so much better. Maid Pure uses all natural and organic cleaning solutions and their team is the best I’ve ever had in my house.

Don’t believe me? Come on over this Monday night and I’ll give you a tour.

Or, just give them a try:

So rather than fight the holiday grocery shopping crowds. Go online, enter your order, and let the Pig do the work. Spend your newly found time with loved ones or learning how to carve a turkey…

1. Your pet leaves you “presents” to show their dissatisfaction with your long hours and no walks during the day.
2. Your office desk and your car dashboard are covered in sticky note reminders.
3. Your friends act shocked when you make it out for a social occasion because – let’s face it – you never leave work
4. Your boss thinks you have a sketchy side job because you are always “working from home” to meet contractors, the cable guy, and to do a little personal shopping.
5. You like to hand deliver gifts to new clients but you are too busy trying to get the next new client.
6. When someone asks you about your Life Balance, you think they are talking about a WiiFit move and say you haven’t played since you purchased it.
7. You eat out most nights on your way home from work because the grocery store is too stressful. Even the free samples can’t entice you to walk their aisles.
8. The phrase “I just didn’t have time” comes out of your mouth more times than you care to admit.
9. Those thank you notes for your big occasion lay unaddressed, unstamped, and unwritten for the most part (and it is driving your mother crazy!
10. Your To-Do List consistently includes the same tasks you had from last month (and the month before, and the month before…).

If this sounds like you or someone you know…find a local concierge service or hire a personal assistant and get balanced!

After launching YuDu, things changed a little. I started to focus on time efficiency and time management. As a concierge and personal assistant, you basically have to become an expert in managing not just your own time – but that of your clients as well.  As with learning a language…survival is the best environment to learn!

Have you ever tracked your time? I mean down to the minute? There is even time tracker software out there right now that you can download for free to track how you spend your time. (You can email me about that later). What most people find when they start tracking there time is – Wow! I waste a LOT of time. Now, don’t get me wrong. I am a firm believer that some times you need a little non-productive time where you are thinking, being creative, relaxing – giving your brain a break and the opportunity to problem solve or even think up opportunities. My point is that most of us feel like we “have no time” when really we are not managing our time. So what I am going to do today as part of our time saver secrets is show you how to manage your time, point out some time wasters, and then give you a few tricks of the trade.

Just keep one thing in mind – YOU and Bill Gates have the same amount of hours, minutes and seconds in your day.

Some of these you many know but don’t follow and some of these may take you some time to realize that you need to do, but I’m telling you – if you want a balanced life, where you are excited about getting up and energetic about your tasks at hand, you need to pay attention to these 5 Steps for Improving Time Management.

1. LIST. I have a motto that I use at night that is “its 10 pm, do you know where your priorities are?” Some of you may remember the evening news anchor in the 80’s that used something similar to ask parents about where their children were. In my opinion, knowing your next day’s priorities is just as important (maybe that’s why I only have cats!). How many times have you woken up in the middle of the night going, “Oh crap! I have to do that tomorrow!” Keep a list. And if need be, keep it by your bed. And if you are 100% digital, keep it in your blackberry/sync it to Outlook. Whatever it takes to keep your list updated and relevant – do it.

Because we are a Life Balance company, I have to insert here that included in this list needs to be YOU time. This may be a 30-minute walk or a 2-hour gym workout. Maybe it is getting your nails done, your hair highlighted, or watching Jersey Shore. Whatever it is, it needs to be on your list and it needs to be a priority (which is something we talk about next). I guarantee that if you work on these tips and save time, you will have time for this YOU time. And you’ve earned it.

2. Prioritize. Listing your tasks is not enough. You have to prioritize. What absolutely has to be done the next day? The day after? I like to say that I’m going to have 3 deliverables. For me, it may be: entering payroll, finalizing our client’s research project, and finishing next week’s presentation.  And to make it fun, I also include rewards, like watching Grey’s Anatomy that night or sending pictures out from last weekend if I get those deliverables done. Now there are a bazillion classes/seminars out there on how to correctly prioritize. Last year I spent an afternoon looking at several of them trying to find out what I was missing out on and I honestly believe you need to do what works for you. If Stars and Colors make your list work and determine the top priorities then do it that way. You can list it all and then re-list 1-10 if that is your preference. The point is – you need to decide what is important.

3. Delegate! Now of course I’d love for everyone to call me tomorrow morning with all the tasks they do not have time or do not want to do…but delegation does not necessarily mean to a concierge/errand running service. Delegation can be to your bookkeeper, lawn service, copywriter, SEO specialist, graphic designer, etc. Recognize the talent that you bring to your company (and your household) and then seek the expertise of others. The market is full of entrepreneurs who can bring their specialty to your work without costing an arm and a leg.

This of course sounds normal and easy but do you do it? I mean, do you really do it? My female clients take a long time to delegate their first YuDu errands. Even if someone has gifted them YuDu hours! Why is this? I think it is because – in general – women like to be in control. No one does it like us, “it’ll take longer to explain than for me to just do it”, the list of reasons goes on and on. We want to be super woman. We want to have it all together, to look like we did everything with NO help. We baked cupcakes for a school event, worked out for 2 hours, had a personal best week of selling our product/services, attended all the best networking events, had dinner with our husband and STILL managed to clean the house, weed the lawn, and donate time to Habitat. To all my female reading audience out there, let me tell you that anyone you see accomplishing all that, has someone like YuDu behind them! Every great businessperson (Gates, Jobs, Roddick, to name a few) has an assistant. They have someone to delegate to and the best news is – you don’t have to have a million dollars to delegate. And in some instances, you can actually make more money focusing on what you need to do (i.e. your job) or at the very least, having a higher quality of life (did I mention a bike ride with your kids).

4. FOCUS. STOP Multitasking!  If you keep up with YuDu on FaceBook (and I encourage all of you to do so!), you’ll remember that we posted an article about the health dangers of multi-tasking. Some people pride themselves on the ability to multi-task.  Women are supposedly great at it. Well, I hate to break it to you but without focus on one pending task, you are doing yourself and your clients a disservice.  Your brain can only focus on one thing. When you think you are multi-tasking, you are actually just changing tasks and while women may be able to do this changeover quicker than men, there are very negative costs that can affect your relationships with clients and with friends/family. There are time costs for switching from one task to the other and studies show you produce a lower quality of output, increased number of mistakes – leading to longer output time because you had to go back and redo. And think about it for a minute: have you ever been in a meeting with someone who is looking at their phone while more than they look at you? Is that meeting productive while they are “multitasking with those other messages”? And don’t you feel just a little slighted? Where’s the productivity there? Why is this person WASTING your time? Your time is precious!

5. ACT. Stop putting off things that must be done and figure out why you are putting them off. If you are putting it off because you are scared to fail, keep in mind that life is a learning process! If it is something you know how to do, but just don’t really like doing, make it the first thing you do and get it out the way.  Of course, this does not necessarily mean you have to do it, but either you do it or delegate it to someone who does. Examples are the previously mentioned yard work and bookkeeping tasks.

If you take these 5 Steps to improve your time management, I am certain you will find a little more time for what you really want to do.  If you need help, you know where to find us.