Home Builder Developer - Interior Renovation and Design

Ituran Location and Control (NASDAQ: ITRN) and ServiceMaster Global Holdings (NYSE:SERV) are both industrial products companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, profitabiliy, valuation and analyst recommendations.

Volatility and Risk

Ituran Location and Control has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500. Comparatively, ServiceMaster Global Holdings has a beta of 1.01, indicating that its share price is 1% more volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Ituran Location and Control and ServiceMaster Global Holdings, as provided by MarketBeat.

Ituran Location and Control currently has a consensus price target of $31.00, indicating a potential upside of 1.97%. ServiceMaster Global Holdings has a consensus price target of $43.57, indicating a potential downside of 0.95%. Given Ituran Location and Controls stronger consensus rating and higher probable upside, research analysts clearly believe Ituran Location and Control is more favorable than ServiceMaster Global Holdings.

Profitability

This table compares Ituran Location and Control and ServiceMaster Global Holdings net margins, return on equity and return on assets.

Dividends

Ituran Location and Control pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. ServiceMaster Global Holdings does not pay a dividend. Ituran Location and Control pays out 53.0% of its earnings in the form of a dividend.

Institutional and Insider Ownership

52.1% of Ituran Location and Control shares are held by institutional investors. 1.2% of ServiceMaster Global Holdings shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares Ituran Location and Control and ServiceMaster Global Holdings top-line revenue, earnings per share and valuation.

ServiceMaster Global Holdings has higher revenue and earnings than Ituran Location and Control. Ituran Location and Control is trading at a lower price-to-earnings ratio than ServiceMaster Global Holdings, indicating that it is currently the more affordable of the two stocks.

About Ituran Location and Control

Ituran Location and Control Ltd. is a provider of location-based services, consisting of stolen vehicle recovery (SVR), fleet management services and other tracking services. The Company also provides wireless communication products used in connection with its location-based services and various other applications. Its operations consist of two segments: location-based services and wireless communications products. Its location-based services segment consists of its SVR and tracking services, fleet management and value-added services consisted of personal locater services and concierge services. Its wireless communications products segment consists of short and medium range two-way machine-to-machine wireless communications products that are used for various applications, including automatic vehicle location (AVL) and automatic vehicle identification. It primarily provides its services, as well as sells and leases its products in Israel, Brazil, Argentina and the United States.

About ServiceMaster Global Holdings

ServiceMaster Global Holdings, Inc. is a provider of essential residential and commercial services. The Company operates through three segments: Terminix, American Home Shield and the Franchise Services Group. Its portfolio of brands includes Terminix, American Home Shield, ServiceMaster Restore, ServiceMaster Clean, Merry Maids, Furniture Medic and AmeriSpec. The Terminix segment provides termite and pest control services in the United States. The American Home Shield segment provides home warranty plans that cover the repair or replacement of components of up to 21 household systems and appliances, including electrical, plumbing, central heating and air conditioning (HVAC) systems, dishwashers and ovens/cook tops. The Franchise Services Group segment consists of the ServiceMaster Restore (disaster restoration), ServiceMaster Clean (janitorial), Merry Maids (residential cleaning), Furniture Medic (cabinet and wood furniture repair) and AmeriSpec (home inspection) businesses.

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Financial Survey: ServiceMaster Global Holdings (SERV) & Ituran Location and Control (ITRN) - Transcript Daily

Four Mount Prospect yards are due for work as part of a village program aimed at reducing flooding.

Village trustees July 20 approved spending a maximum of $116,236 for the 2017 Backyard Drainage Program.

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Village Sets Funding For Backyard Drainage Program - Journal & Topics Newspapers Online

EAST ALLEN TWP., Pa. - East Allen Townships first proposed commercial warehouse moved closer to final approval Thursday night, but a list of conditions must be met and a court appeal resolved before the project can advance.

Supervisors unanimously voted to grant preliminary conditional approval for VerTek Construction Management to build a 450,000-square-foot warehouse on 42 acres at Airport Road and Route 329.

VerTek representatives agreed to sign a list of 15 conditions, including paying a fee in lieu of donating land for open space, signing an agreement holding the township harmless against claims of damage from downstream property owners, completing highways improvements as required by the township and the state Department of Transportation and taking responsibility for the storm sewer system.

Before the vote on preliminary conditional approval, the board accepted three waiver requests from the developer, all related to the design of four detention ponds and water discharge. Because the ponds will exceed the townships depth requirements, VerTek, as a safety measure, will install split rail fencing with wire mesh around the four ponds.

While the boards action was for a 35-foot-high warehouse, VerTek wants to extend that to 48 feet. According to solicitor Joseph Piperato III, Vertex is challenging in county court the Zoning Hearing Boards May decision denying a variance to exceed the height requirement.

VerTek plans to build its warehouse on land thats zoned commercial. Warehouses are allowed there as a conditional use, but the townships ordinance limits them to 35 feet in height.

The rest is here:
East Allen Township warehouse receives preliminary approval - WFMZ Allentown

By Stephanie Vanderbilt

Q: Its summer here in New England, and right now Im worried about the heat. However, it feels like Ill turn around and winter is suddenly here. What types of windows are effective in both hot and cold weather?

A: When you live in a climate like New England, you get the best of all seasons. If you are someone who loves variable temperatures and weather, youre in the right place. But this can make it difficult to determine how to properly insulate your home for all kinds of weather.

Windows to consider for a cooler and warmer home

According to the Department of Energy, heating and cooling accounts for 48 percent of energy use in the home. The good news is that there are types of windows specifically designed to keep your home both cooler in the summer and warmer in the winter, and save you money on energy billsat the same time. These windows are engineered with various technologies in the form of gases, glazing and more.

Choose energy-efficient gases to insulate your home

Window insulation is one of the most important aspects of temperature regulation. Without it, your window is simply filling a hole in the wall. One of the best ways to insulate your windows is with argon or krypton gas. These gases are both denser than air and theyre designed tomaximize the thermal efficiency of the window while slowing heat transfer.

Not only do gases help insulate your home, but spacers are another important component.These separate the sheets of glass to improve insulation quality and they also insulate the pane edges. While spacers vary by design, the best spacers will also help with condensation and heat loss.

Opt for vinyl window frames for better thermal resistance

The Department of Energy indicates that vinyl frames are perhaps the most-efficient frame material on the market, outperforming wood and aluminum frames. High-quality vinyl frames are engineered with pure virgin polyvinyl chloride (PVC) with ultraviolet light stabilizers. The best vinyl window frames contain a larger portion of titanium dioxide than lower-quality replacement windows.

The best types of windows for cold and warm climates will include insulation within the vinyl frames as well. Vinyl frames are designed with hollow cavities that may be filled with an insulating foam during the manufacturing process. This is key to getting the best thermalresistance possible.

Include low-e glazing for UV protection

An application of low-e will also help keep your home more comfortable. While an important purpose of low-e glass is to prevent the suns rays from fading your flooring and furnishings, it can also help keep yourhome cooler since it helps block out the sun.

Preventing summer and winter condensation

Even though hot and cold air are a concern, youll also need to keep condensation in mind. Air holds varying amounts of vapor and moisture during the year, which results in condensation.

Summer condensation is typically found on the exterior of the window, while winter condensation is found on the inside of the window.Although condensation isnt always a problem, you dont want it making its way into your home.

This can lead to issues such as moisture damage, wood rot on interior frames and even mold and mildew growth.

According to Berkeley Lab, a national laboratory system supported by the U.S. Department of Energy, air meeting with energy-efficient windows is less likely to be cooled to its dew point temperature. This is because the inside surface temperature remains higher during cold weather, which reduces the likelihood of indoor condensation.

Condensation is most likely to form at window spacers and frames, since these are typically two of the least insulated areas of the window. However, you can avoid this situation by choosing newer materials for these components, which are designed to prevent condensation.

On the most energy efficient windows, indoor air humidity must be nearly 70 percent before condensation will form -- even if the outdoor air temperature is as low as minus-30 degrees Fahrenheit.

Energy Star-rated products are the best types of windows in New England.When youre investing in replacement windows, always be on the lookout for a Most Efficient Energy Star certification distinction. The products deemed Most Efficient exceed the standard Energy Star requirements.

-- Stephanie Vanderbilt, owner of Coastal Windows & Exteriors, would love to answer any questions that will help you make your home beautiful, warm, safe and energy-efficient. Do you have other home improvement questions she can help answer? Ask her atsvanderbilt@mycoastalwindows.com or call at 978-304-0495.

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AT HOME WITH STEPHANIE -- The best windows for New England's climate - Wicked Local Beverly

CITY OF HUDSON, WIADVERTISEMENT FOR BIDS

Sealed bids will be received by the City of Hudson in the City Hall at 505 Third Street, Hudson, Wisconsin, until Wednesday, August 23, 2017 at 10 a.m., at which time Bids will be publicly opened and read aloud for the following:Phase 1 City Hall Window ReplacementIn general, Work consists of the following: Furnish all labor, materials and equipment necessary for a complete window replacement of all 3rd floor exterior windows as described in the bid documents.All bidders may view the bid documents on the city website at http://www.ci.hudson.wi.us or request a copy from the City of Hudson. Bidding Contractors are encouraged to attend a pre-bid walk through scheduled for Wednesday, August 9, 2017 at 10 a.m.Any bids shall be submitted in an opaque envelope, on the forms provided, and marked with the name and address of the bidder. If the bid is sent through the mail, or other delivery system, the sealed envelope shall be enclosed in a separate envelope marked with the notation "BID ENCLOSED" and addressed to the City Administrator located at 505 Third Street, Hudson, WI 54016.A Bid shall be accompanied by Bid security made payable to Owner in an amount of 10% percent of Bidder's maximum Bid price and in the form of a certified check or bank money order or a Bid bond on the form, included in the Bidding Documents, issued by a surety meeting the requirements of the General Conditions of the Contract.The Owner reserves the right to retain the deposits of the 3 lowest bidders for a period not to exceed 60 days after the date and time set for the Opening of Bids. No Bids may be withdrawn for a period of 60 days after the date and time set for the Opening of Bids.The Owner reserves the right to reject any or all Bids, waive or not waive any informalities in the bids received and to accept any proposal which they deem most favorable to the interest of the Owner.Devin Willi, City AdministratorCity of Hudson, Wisconsin_____________________________________ (Pub. 08/03/17) WNAXLP

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CITY OF HUDSON: Ad For Bids- City Hall Window Replacement - Phase 1 - Hudson Star Observer

Sunrise Windows, which is backed by The Riverside Company, has acquired Louisville, Kentucky-based Paragon Windows & Doors, a maker of residential repair and replacement doors and windows. No financial terms were disclosed.

PRESS RELEASE

The Riverside Company opened the door for more growth at its Sunrise Windows (Sunrise) platform by adding Paragon Windows & Doors (Paragon).

Paragon primarily manufactures residential repair and replacement doors and windows. Based in Louisville, Kentucky, Paragon mainly sells through dealers. Sunrise Windows manufactures premium energy-efficient repair and replacement windows and doors and distributes them through specialty dealers.

Paragon has an excellent reputation for its compelling door offerings, said Riverside Managing Partner Suzy Kriscunas. With its outstanding domestic production, it can meet customer demand quickly and effectively at a very competitive price point.

Riverside is excited about the new window product lines Paragon brings in addition to the doors.

Paragons composite window and the vinyl window that they just developed both slot into Sunrise Windows product offerings nicely, said Riverside Partner Tim Gosline. This deepens the product line and enables Sunrise to provide the ideal window for just about any customer.

The injection of new product lines should boost sales opportunities across the platform. Paragon adds new customers, and provides ample opportunity for cross-selling, particularly to customers previously limited to either window or door offerings from each respective company.

Working with Kriscunas and Gosline on the deal were Partner Anne Hayes, Principal Steve Burns, Associate John Ribble, Operating Partner Tom Anderson, Operating Executive, Finance Allison Zabransky and Operating Executive Hayden Cotterill.

About The Riverside CompanyThe Riverside Company is a global private equity firm focused on acquiring and investing in growing businesses valued at up to $400 million. Since its founding in 1988, Riverside has invested in more than 480 transactions. The firms international portfolio includes more than 80 companies.

Sunrise Windows, which is backed by The Riverside Company, has acquired Louisville, Kentucky-based Paragon Windows & Doors, a maker of residential repair and replacement doors and windows. No financial terms were disclosed.

The rest is here:
Riverside-backed Sunrise buys Paragon Windows & Doors - PE Hub (subscription) (blog)

Posted 3 hours ago in City, Eclipse, Economy

Workers polish the open bar top area in front of the new Gaslight Social pub and restaurant on Wednesday, Aug. 2, in the Old Yellowstone District in downtown Casper. (Dan Cepeda, Oil City)

After months of preparation and construction, a new bar and restaurant is moving closer to its debut.

The new Gaslight Social space was filled with energy on Wednesday morning as construction crews put on finishing touches and electricians crawled and walked along freezer and kitchen areas built into the vast 1920s-era building. A newly-minted serving and kitchen staff numbering about 45 sat at the new bar as co-owner Matt Galloway ran down a list of orientation items.

Article continues below...

The latest opening target of Aug. 4 has been pushed out 7-10 more days due to some last minute kitchen issues, according to Galloway. When it does open, the vision of Matt, his brother Mark, and partners Pete Maxwell and Richie Bratton will be open for all to see. In the meantime, hes trying his best to keep it under wraps as best as possible.

What future patrons will see after opening day is three distinct areas of an 11,000 square foot space. A quiet lounge area, a pub area, and towards the back and flanked by huge vintage warehouse is a gaming area. an added bonus is about 6,000 square feet of patio and lawn area outside of a garage door on the west side.

The earlier Roaring 20s concept evolved into The Gaslight Social over time after one of the partners noticed real gas lamps during a visit to Nashville. Those style of lamps will be incorporated into the new space. As for social, Galloway wants to convey that his bar and restaurant isnt just a bar and restaurant. Social really defines us, said Galloway.

The establishment on the corner of 314 W. Midwest Ave. is one of a number of big and smaller downtown projects rushing to open before the Eclipse Festival later this month.

Service crews go through orientation at the new Gaslight Social on Wednesday, Aug. 2, in downtown Casper. (Dan Cepeda, Oil City)

Tagged: Bar, Casper, gaslight social, matt galloway, mike galloway, Old Yellowstone District, pete maxwell, Pub, Restaurant, richie bratton

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New Bar And Restaurant In OYD Nearing Completion - Oil City

This northern suburb has long lured diners to its popular 3-mile-long Restaurant Row along Milwaukee Avenue. But despite its gastronomic prominence, the village of Wheeling has no real downtown, even though it was founded in 1894.

That is about to change.

After years of planning and overcoming obstacles, the construction of a downtown is finally underway in the village 30 miles northwest of Chicago.

What does a new downtown cost? The tab here is $110 million.

A town center will rise on a 16.2-acre vacant site created by the demolition of the bankrupt Wickes Furniture property on Dundee Road at Northgate Parkway. The site is surounded by existing structures that set the stage for a downtown area, such as the village hall, police and fire stations, park district recreational building, aquatic center, ball fields, a lake and a commuter rail station on Metra's North Central Service line.

Presently, crews are laying foundations for the town center. Here's what to expect at the opening, slated for late 2018: A five-story, 300-unit apartment building will wrap around a 25,000-square-foot plaza with a pool, putting green, bocce court, fire pit, barbecue grills and a gazebo. The courtyard will serve as a central gathering place for residents and the surrounding community.

Nearby, the center's 100,000-square-foot retail area will be anchored by a 10-screen CMX movie theater with reclining seats and dining and cocktail options. City Works Eatery and Pour House of the Chicago-based Bottleneck Management restaurant group will be across from the theater, and other restaurants and shops will be a short walk from the apartments.

The town center is expected to provide a considerable boost to Wheeling's population, which now stands at more than 38,000.

"The town center will revitalize the community and become a destination for the area," said Patrick Horcher, Wheeling village president. He said it is the most upscale development in town.

"It has been a long time in coming," he said, alluding to the project'sups and downs. "After the village bought the Wickes property in 2008, it was a challenge to find a developer to do the town center. The site stood vacant for a while and was costing the village in lost property tax revenue."

The long planning process required the village to reach agreements with many stakeholders in the complex public and private project. These included the U.S Postal Service, a fuel pipeline company, Metra, the Wheeling park district and an existing Burger King near the entrance to the town center that was concerned about access and signage, according to John Melaniphy III, Wheeling's director of economic development.

Once the project was designed, some residents were concerned about whether the space would attract enough tenants, both residential and commercial. But after the groundbreaking in late July, Horcher concluded: "We're now on target for the town center we wanted years ago."

"I can't wait for the opening. It will be a huge new focal point in the village," said Neal Katz, a 30-year resident of Wheeling. He believes that " People will be moving back."

"The town center will enhance property values and be a catalyst for future development," Melaniphy said. "It will change Wheeling's image, which has previously been known as blue collar because of our industry."

He suggested that the town center will benefit existing retail and restaurants rather than rankle them as a source of competition. "Because (the town center) is projected to be a regional attraction, it will draw out-of-town customers to the village's other retail and restaurants," he said.

Melaniphy estimated the town center could generate $1 million a year in sales tax revenue.

"The town center will keep more shopping dollars here and will add a more cosmopolitan character to the village," commented Neena Pottoore, executive director of the Wheeling/Prospect Heights Chamber of Commerce.

The Lynmark Group

A five-story, 300-unit apartment building will wrap around a 25,000-square-foot plaza with a pool, putting green, bocce court, fire pit, barbecue grills and a gazebo. This rendering depicts the courtyard pool.

A five-story, 300-unit apartment building will wrap around a 25,000-square-foot plaza with a pool, putting green, bocce court, fire pit, barbecue grills and a gazebo. This rendering depicts the courtyard pool. (The Lynmark Group)

That citylike feel is expected to woo renters Melaniphy said most of the apartments will be one- and two-bedrooms targeted at young professionals and empty nesters. Residents will have 500 parking spaces, while 800 slots will be dedicated to retail and dine-in movie theater consumers.

Along with shopping and cinema, a smattering of other entertainment options are in the works.

"The town center will host community events like fairs, festivals, art shows and farmer's markets," said Bradley Friedman, director of Midwest operations for the Lynmark Group of Suffern, N.Y., the project's developer.

New town centers are riding a national trend, according to Ed McMahon, an authority on sustainable development at the Urban Land Institute in Washington, D.C.

"Downtowns are the heart and soul of any community, and the future belongs to town centers. New suburban town centers are replacing failed regional malls in many parts of the country," he said.

"Wheeling's new town center will create a new place for housing, shopping, playing, eating and hanging out. The demand today is for town centers that are gathering places that attract young people as well as retirees."

Real estate experts certainly see the appeal.

"We're finally going to get a downtown. It will definitely be a big plus," said Gary Aver, broker and owner of Re/Max United in Wheeling. "It will make house values more stable and could increase them in the long run."

According to Tracy Cross, president of Schaumburg real estate consulting and market research firm Tracy Cross & Associates, the town center "should do well despite its relatively small size compared to other town center projects, such as the Glen in Glenview." The 1,121-acre Glen, built on the site of the former Glenview Naval Air Station, opened in 2003.

Cross said the Wheeling town center may create a real estate ripple effect if renters at the new apartment building later decide to buy a house in the suburb. He added that one impact of the town center could be to establish a premium in housing values.

Construction projects this large sometimes generate complaints from nearby residents. However, that is not a factor here because the town center is not in a residential neighborhood. It is bounded on the west by railroad tracks, on the east by village buildings, on the south by an 85-acre park and on the north by vacant land.

The town center was designed by the Chicago office of CallisonRTKL and will be built by William A. Randolph of Gurnee.

John Handley is a freelance writer.

ctc-realestate@chicagotribune.com

The rest is here:
In Wheeling, construction of village's first downtown underway - Chicago Tribune

Bridgett Weaver, Louisville Business First , WHAS 5:57 AM. EDT August 02, 2017

The inside of Jack Fry's restaurant. The restaurant is adding space for its servers, for a few more tables and bigger restrooms. (Courtesy: Jack Fry's)

One of Louisville's most revered restaurants is getting more space.

Jack Fry's, a 20-table upscale restaurant on Bardstown Road, soon will add four to six more tables, build bigger restrooms, expand storage and office space and add a server area.

In all, it will add about 1,300 square feet to the 3,300-square-foot restaurant. A building permit filed with Louisville Metro Government indicates an estimated construction cost of about $40,000.

RELATED:These Louisville restaurants had critical food-code violations in 2Q

The renovations will happen in three phases, so as not to disrupt the daily operations of the restaurant. It will start with the addition of the server space, which will be on the front side of the building, the part facing Bardstown Road.

General manager Brad Jennings said contractors will enclose a "pie-shaped" space at the corner of the restaurant to give servers their own area. As it is now, they share space in the kitchen with the kitchen staff, making for a cramped back of the house.

The renovation also will include construction on the back end of the building, which faces an alley. With a small addition, the restaurant will add space for the restaurant office, more storage space and bigger restrooms.

Jennings said this has been a thought for a while because the single-person men's and women's restrooms were an obvious problem area in the small restaurant.

"Its an inconvenience for women to wait on a one-person restroom. And men," Jennings said. "It's something that's needed to be done. It seemed like the right time to undertake the projects."

After those two phases are finished, the third phase of the project will happen.

"Once thats complete, we will tear out the existing restrooms, and that will make space for a few extra tables," Jennings said.

He said the expansion could make room for four to six new tables. Jack Fry's is not always able to take all of the reservations it receives in a night, he said, so this should help relieve some of the pressure.

"This really should accommodate more people and let more people experience what we do here," he said. "That alone will allow us to accommodate parties of larger sizes."

The renovations hopefully will be done within a few months, wrapping up as soon as September, but possibly going into October. Jennings said it's hard to tell because construction just began.

But, Jennings said, the vibe of the restaurant will remain unchanged, with the same Jack Fry's ambiance to which customers have grown accustomed since its 1930s opening.

"With the exception of a couple walls and a few more tables, it's really not going to change that much," he said. "It will still feel very, very much like Jack Frys."

Bridgett Weaver covers technology, banking, entrepreneurs and retail.

Louisville Business First

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Iconic Bardstown Road restaurant is adding space, more seating - WHAS 11.com

It was the best birthday present she had ever received, Janice Coats said.

For Coats, who is newly 92 and uses a walker to get around, it was difficult to get up and down her front porch steps.

But now, thanks to some volunteers who started helping others like Coats in Little Rock and North Little Rock 30 years ago, her life is a little easier.

"I thank the Lord for it," she said of the plywood ramp she now has to help her leave her home for church and visits to the doctor.

In 1987, a group of mostly AT&T retirees started meeting nearly every Wednesday to build ramps for people who use walkers and wheelchairs. Three years later, the Americans with Disabilities Act passed, requiring most businesses to install ramps. But many people still didn't have access to their own front doors.

"You think about this: Someone who's [in a wheelchair], they put themselves at risk every time they attempt to leave," said David Shatley, the group's construction coordinator.

Not all families can afford to install a ramp, and members of the AT&T Pioneers saw that need as well as an opportunity to make use of their free time after retirement.

The group now consists of more than 30 volunteers and has built more than 1,250 ramps, at a rate of about 40 per year.

Demand is steady. At any given time, Shatley said, the group has two to six ramps on its to-do list.

The basic frame is standard and complies with Americans with Disabilities Act regulations, but each ramp is unique and specific to the person's home, he said.

"You tend to remember every one of them," Shatley said of the ramps and their grateful recipients.

The materials for each ramp cost from $350 to $1,000. Community development block grants in Little Rock and North Little Rock fund the projects.

"The government can only do so many things, and we've got to depend on our people to contribute, to volunteer," Little Rock Mayor Mark Stodola said at a ceremony honoring the group last week.

Not all of the volunteers are AT&T employees, Shatley said. Some retirees happen to pass by while the group is working and want to know if they could help, too.

"We'll take anybody that wants to come out and that wants to help," Shatley said. The group now includes retirees from CenterPoint Energy and the Little Rock School District.

Ramp construction can begin as early as 5:30 a.m., and when the volunteers finish a project about 9 a.m. or 10 a.m., they usually go to breakfast at Homer's Restaurant or another diner-style restaurant, former construction coordinator Gene Butler said.

Butler said he enjoyed working with the crew, even on projects that were sometimes "a comedy of errors," resulting in minor injuries to group members. The work was always rewarding, he said.

"It's just a really good group," he said. "Being retired is good, but it's nice to be able to contribute."

Metro on 08/03/2017

Continued here:
Wednesday is ramp day for group - Arkansas Online