Grow Your Business Using These Five Tips

Starting a business is tough.. no exaggeration. To start and run a business is both nerve-racking, petrifying.. and a dozen other emotions. It doesn’t matter if you are drafting the initial business plan, just opened the doors, or been around for awhile. Planning will alleviate much of the risk, but not all. You can’t control everything in life, nor in business.

Want to grow your company? Here are five guidelines to help you do that. Many accomplished business owners wished that someone had told them this at the beginning.. and look at us giving them away to you.

Guidelines to Grow Your Business

1. Realize that you can’t do it all

Being your own boss is part of the appeal to start a business. The owner of a small business will have to be contented to wear many hats – that of a sales assistant, bookkeeper, marketing director. However, this does not require that he or she should do it all on his or her own. Now is a good time to consider outsourcing some pieces of your business to a virtual assistant and a bookkeeper.

You will certainly be able to do it alone for a short time and even manage to flourish, but in order for the business to develop, it can’t go on like that forever. It is crucial to know when to find capable people with the same vision. You can only do so much and if you want the business to thrive, you will have to accept that you need help.

It should not be necessary to relinquish your new found freedom or your control to get help, but you are only one individual.

2. Don’t spread your doubts

Confidence, drive and passion are needed when launching and running a prosperous business. It is, however, normal for doubts about this new undertaking to creep up on you, but essential to know to whom and where to voice these uncertainties.

Don’t tell influential people outside the company like a capitalist that might invest in your venture or the local credit union’s manager. They will only finance someone who is confident about his or her business. So keep your game face on when you approach investors for much needed money. In the same way the employees must be sure that they can believe in you. Don’t when times get tough, don’t express your emotions and doubts openly for all to hear.

It would be lying to say that not everyone have fears and uncertainties. A business owner, however, should arouse confidence in his or her employees. So think about how you act when you are with them, especially when things aren’t happening like you would like it to.

3. Work towards that business you would want

There’s an expression that says that you should fake it until you make it. You should adopt this principle, particularly in the beginning of a business venture.

Don’t intentionally deceive clients about the business’ scope or what services you can offer them. New clients should be instilled with confidence in your business, until your reputation has been established. So, run the business as if it is already the business you would want, even if it is not there yet.

Apply this concept to all aspects of your business venture – from the way potential clients are greeted to the language used on advertising materials and the company website. If a confident air is projected when new customers are dealt with, a first impression is made that will offset the small size or lack of experience.

It is not necessary to approach all dealings as the president of a worldwide organization, but think big when you want to grow your business. Make sure any material or employee who have direct contact with your clients, represent your business the way you would want to.

4. Deal with the negative answer of no

It is only you who can decide to open your own business, an adventure that you yourself decide to go on. Regrettably, to make your dream come true, you’ll have to involve other people whose opinions will have to be heard about the way things happen.

Starting out as the owner of a business you will often hear “no.” Potential customers and clients will not be interested, your idea will be passed on by investors, and your banks loan applications will be turned down. Don’t feel dejected because rejection is essentially fabulous.

How so? For the reason that every time you hear “no,” you must choose to appreciate it as a break. Maybe your bank loan application was turned down, not because of your idea but because of a problem with the business plan. Perhaps a non-interested client could force you into developing your pitch or making your offered services more convincing.

A business owner should look at rejection as inevitable, but it is your choice how to react to it.

5. The business bank account isn’t for your personal use

This is a big one, so read it again. And again. Once your business is going strong, the temptation will be there to use your business account for personal use, to borrow money from the business or treat yourself with lavish payments, but don’t do it, especially in the beginning.

Even a successful business will admit that to grow cost money. Every time you take from the business’ money, the chances of growth diminish. You should be sure to adequately compensate yourself for the work you do, but your salary must be modest and reinvesting in the business must be your main concern.

To grow a business will cost money because everything needed for growth like equipment, talent and space costs money. Therefore the smaller amount you put back, the slower the growth. The more money put back, the faster the operation can be expanded and the more profits can be made

Posted in Uncategorized | Comments Off

5 Valuable Ways Business Funding Will Scale Your Business

Most businesses think that business funding is something that you need when your business is short on cash or times are hard. A lot of businesses go out looking for business funding when the business is not good. The time to get business funding is not when your business is doing horrible or you are strapped for cash.

If your business is doing great, there is no better time to go out and get business funding. Why?

1) It’s easier to qualify
2) You can get better rates and terms
3) It’s easier to grow your revenues with a capital infusion
4) It’s easy to utilize the simple formulas that we have in here to scale your growth.

DON’T WAIT FOR THINGS TO GO BAD; IF YOU ARE DOING GOOD – BUSINESS FUNDING CAN SCALE YOUR BUSINESS TO THE NEXT LEVEL.

This is how you can determine if business funding can help your business grow. There are 5 simple steps which will show you the value of business funding.

Step 1: What Do You Need To Grow Your Business?

While this may sound like a stupid question, it is a very important question.

The FIRST STEP you need to take is determining what your business needs to grow sales. Most businesses need one or more of the following?

• Inventory and More Products
• Expanding Existing Line of Products
• Adding Additional Services
• Marketing and Advertising
• Sales People or Personnel
• Machinery, Equipment, Software or Hardware
• Expanding into other Territories or Adding Another Location

Step 2: How Much Money Do You Need to Achieve That?

How much money do you need to achieve that? Again, another simple question and it may sound stupid. But you need to start off with basic questions.

How much would you like to invest into your business or how much do you need to grow your business?

$10,000, $20,000, $40,000, $50,000, $100,000 +

Step 3: Where will the come from?

There are only three forms of cash that flow into a business:

REVENUES FROM SALES
INVESTMENT DOLLARS
DEBT: A LOAN OR LOANS

Where will the money come from to help your business grow?

If you have an existing business and you want to invest in your business you either sell more or you have great close out balances and have enough reserves to re-invest. If you plan on selling more; most sales and marketing strategies require some sort of cash infusion. If that is not the case you only have two options: an investor or a loan.

Step 4: If you had the amount of money you need to do what you want in your business – there are two key questions: If you know the answers to these two basic questions; you will know immediately how to increase your sales fast.

1. How much money will you make with that money?

In technical financial terms – What will be the ROI (Return on Investment)?

2. In what time frame will you make that money back?

In what time frame will you achieve the anticipated or projected ROI (Return on Investment)?

EXAMPLE (CASE STUDY): (Simple Version)

If someone gave you $100,000 – what would you do and how would that impact your business.

Example:

I (YOUR NAME) would take $100,000 and allocate that money into marketing and increase personnel. (NEED AND WANT)

I (YOUR NAME) would take $100,000 and make 50% return in 5 months. The equivalent of 10% return per month…

Based on this information, you are clear on how you would use the money, what type of return you would make and in what time frame.

The next step; is to determine if you can?

• Increase sales to $100,000 and have the extra money to do this.

• If you obtained an investor how much would they want? Most investors will either charge you anywhere from 10% to 30% in interest or they will want 20% to 50% of net earnings. You have to figure out the cost of capital versus your return.

• If you obtain a loan the interest rate may range from 7% to 30%. You need to factor in the cost of capital versus your return.

EXAMPLE (CASE STUDY) – Crunching Numbers:

For Existing and Operational Businesses

Food Distributors of America currently generates $50,000 per month on an average. At the end of the month they close out $5,000 positive which is about 10% net. Currently, there cost of inventory is $20,000. This means every month they purchase $20,000 to make $50,000 Gross. The question you need to address is: How much are my costs to generate gross earnings? Once you know that, you know how much you need to increase gross earnings by 10%, 30%, or even 100%. In this example, we can increase earnings by 100% by making a capital infusion of $20,000.

We know that $20,000 generates $50,000 per month. We know that $20,000 and $50,000 of gross sales generates $5,000 per month net; which is 10%. They want more inventory because they have prospective buyers.

Conclusions:

• An additional $20,000 would generate an additional $50,000 in gross sales; increasing earnings to $100,000. This is a 100% increase in gross sales.

• An additional $20,000 would generate an additional $5,000 in net margins; increasing earnings by another 10% monthly = 20% monthly.

• If this business can do this every single month, they would increase net earnings by 10% x 12 months = 120%.

Not all businesses can do this. Even if you increase your net earnings by 2% per month = 24% increase in 1 year.

Businesses that carry inventory have an easier time achieving this.

Businesses that sell every day; such as restaurants, hair salons, and anyone who sells consumer products; have an easier time achieving this.

Seasonal businesses can also achieve these types of returns.

Step 5: Calculating Cost of Capital versus Return on Investment (ROI).

If you don’t have the extra money; you will need an investor or some sort of business funding or a loan.

There is nothing wrong with taking on investors or a loan. Most successful businesses have grown with capital infusion. Think of this way. Would the New York Stock Exchange or would the Chicago Board of Trade exists if businesses did not take on investors or debt? All businesses on major stock and debt exchanges have investors or debt.

How do you calculate ROI and Cost of Capital? Easy as 1, 2. 3.

Let’s assume you are able to obtain a loan for $50,000 to invest in your business. You project that you will make 5% return per month for the next 5 months = 25% return. Let’s assume you get a loan with a 12% annual rate = the same as 1% per month.

5% per month (your return) minus 1% = 4% your new return
4% x 5 months = 20% (after cost of capital)

The interest rate on a loan is important. However, if you know how to make a Return on Investment with a loan you will WIN in the end. More important, this is known as OPM (Other People’s Money). Making money with other people’s money! Read the Art of the Come Back, by Donald Trump. Do you think Donald Trump, Warren Buffet, and others utilize their own money to make money? The answer is NO

Posted in Uncategorized | Comments Off

Business Entities: Which One Is Right for You and Your Business?

Many entrepreneurs are concerned about liability when starting their business. However, many of those same entrepreneurs fail to follow through on those concerns. Those concerns usually start with what type of business entity they should form. From a sole proprietorship to a corporation, entrepreneurs need to understand what each of these entities will mean for them and their business.

A sole proprietorship is the most used and inexpensive type of business entity. Most businesses start in this form because of the low cost and ease of formation. All it takes is a trip to the county clerk’s office and less than twenty bucks and you are in business. A sole proprietorship is a business that is owned and operated by one person. Typically identified as an “assumed name,” it is a way of operating a business under a different name other than the business owner. If you have a low risk business or intend to keep the business as small or part time operation, this could be a viable option.

The best thing about a sole proprietorship is the ability to have control and make decisions by yourself. You are the business and the business is you. There is no separation between the two. There are no requirements to maintain minutes or other formalities. You may file your personal tax return form 1040 and simply add a schedule C. Depending on the amount of income you make by running the business this can be simple and inexpensive option.

The same benefits of operating as a sole proprietorship also act as serious liability traps. Because there are no distinctions between the owner and the business, the owner’s personal assets are at risk along with the business’ assets. This means that if there is ever any liability that is associated with the business, it will be associated with you as well. Moreover, you will be taxed on your individual tax level, which means that if you have a lot of personal income (i.e. salary from other employment) and are in a higher income bracket, you will have to pay taxes in that higher bracket.

If you are operating a business with high risk you should not operate as a sole proprietorship. Furthermore, you have a lot of personal assets or your business acquires a lot of income a sole proprietorship should not be your entity of choice.

Ideally, if you are going to enter into a partnership, you should have a written agreement which is drafted to accurately reflect the agreement. Sadly, many perspective partners fail to focus on this issue. Sometimes the partners are friends and/or family and believe that there will never be any disagreement. However, it is my experience (as well as most business attorneys) that this belief often leads to disaster. It is always prudent to spend the time and money on a proper partnership agreement that will guide the partners through the good and bad times. A properly drawn partnership agreement will prevent disagreements from getting out of hand and will cut down (if not prevent) costly litigation costs in the end. The time and money that you are willing to spend properly drafting an agreement will well worth it.

General Partnerships are formed by either an oral or written agreement. Based on the foregoing paragraph you already know which I think is best. This entity is relatively inexpensive to form because there is no requirement to file documents on the state level. The partners will have to file an assumed name certificate with the county clerk’s office in the county which it operates business. Much like the sole proprietorship, there is generally no distinction between the partners and the business. Unless there is a written agreement to the contrary, each partner has equal management rights and equal opportunity to run the business. Partners are accountable to each other and to the business. General Partners are equally and severally liable for the debts of the business. This means that there is no distinction between the partners, their personal assets and the business. Everyone is accountable for the business.

Limited Liability Partnerships (LLP) require written agreements. LLPs are filed on the state level and require annual filings with the state. LLPs are good entities for professionals such as lawyers, accountants, and financial advisors. An LLP will limit liability for each individual partner to the extent that he/she is not personally liable. This means that if one partner commits malpractice, the other individual partners will not be held liable. Furthermore, if the partnership is sued and does not have sufficient assets, the individual partners (in most circumstances) will not be held liable. LLPs are expensive to create and require insurance before the filing can take place.

Limited Partnerships (LP) are good entities to bring in investors. Most commonly identified by laymen as “silent partnerships,” a LP will allow a partner to invest money without incurring liability for the company debts. The LP must have at least one general partner that will assume the liability for the partnership. This partner will be responsible for the day to day operations of the company and are solely responsible for the decision making. By contrast, the limited partner cannot be involved in the day to day operations of the company if it seeks to protect its limited liability. The limited partner will be entitled to profits and to be informed regarding the financial position of the LP. The LP is also required to file documents on the state level and requires a written agreement.

The most common and well known business entity is the corporation. Usually most entrepreneurs choose this entity because this is all they know. While it is not a bad choice making this choice comes with much responsibility. Incorporating your business requires a filing with the Secretary of State. Articles of Incorporation, Bylaws, Employer Identification Number, and meeting Minutes are all mandatory documents. A corporation usually has what I would like to call a “three tiered management system.” Shareholders are the owners of the corporation and elect the Board of Directors; the Board of Directors oversee the overall direction of the company and elect the officers; the Officers run the day to day operations of the business.

In a traditional corporation, the shareholders do not run the business but only receive income from it. Shareholders are shielded from the liability of the corporation. A Corporation has its own legal identity, separate from its owners. It exists separate and apart from the people, who own, manage, control and operate it. The Corporation issues stock of its own as evidence of ownership. The persons who own the stock are the owners of the Corporation, and are entitled to any dividends the Corporation may pay and to receive all the Corporation’s asses after all creditors have been paid if the Corporation is liquidated.

Board of Directors and Officers generally manage the Corporation. The shareholders, Board of Directors, and Officers must hold annual meetings and keep records of each. This can become relatively expensive if there are a large number of shareholders who do not live in the same area. The Bylaws govern the rules and regulations of a particular corporation. Board of Directors makes decisions, officers carry them out.

Another popular choice is a Limited Liability Company (LLC). A LLC is an unincorporated business entity that shares some aspects of the “s” corporation. The LLC provides its members with limited liability and pass-through tax advantages without the restrictions imposed on “s” corporations and limited partnerships. The LLC is owned by member and may elect managers to run the company. The management and operation of the LLC is governed by its regulations, which are similar to corporate bylaws. Members of an LLC are agents of the LLC to the extent the articles reserve management in the members. If management is vested in managers, then they are the agents of the LLC to the extent the articles vest management in them. An agent of the LLC has power to bind the LLC by an action apparently for carrying on in the usual way the business of the LLC.

Members of an LLC are not liable for the debts of the LLC except with respect to make the contributions to the LLC that they agree to make and with respect to the distributions received by the members when they knew the distribution caused the LLC’s liabilities to exceed the fair market value of its assets.

Posted in Uncategorized | Comments Off

A Money Plan and Your Creative Business – More Than Just Figures

If you are a creative-artistic entrepreneur – your need for a Business Money Plan (or commonly referred to as a Budget) is a necessity for your best business creative good. This isn’t just for reasons of some business advisor or accountant telling you that you need it – you should want to need and rely on it as part of your “creative stream.”

While I know it sounds like a cliché to “have a budget for your business” but all too often it is not clearly understood why a money plan for your creative business money needs to be in place.

Consider some of the more profound reasons of why a business money plan should be central to your entrepreneurial path and your creative well-being… please especially note that it goes beyond just the actual figures…

Allow yourself to experience the fulfilling aspects of your business money plan to allow yourself to:

Connect with having enhanced confidence about handling your creative business money

It is challenging to have confidence about something you know little about – right? Planning, whether personal or business is so misunderstood but it truly is one of the most important.

In order to have real, true confidence, you need to should have the business skills that will make your creative business run smoothly – your money plan is one of those facilities that you should have a basic understanding of.

Bring about command of your business destiny through understanding proper money handling practices

While many creative and artistic entrepreneur’s cringe at the idea of “bookkeeping, accounting and anything number related” it is through these systems that you keep your business on a good course. Proper money handling practices is part of this. How do you intend on dealing with a payment system in terms of accepting payments, matching them to billings and reconciling the bank every month? It sounds easy enough, but to put a system in place that is manageable, practical and that can be kept up on a regular basis, takes an awareness that needs to be learned.

What you have set-up for money systems in your business are primary to enable you to get the information out of your business that you require. This will greatly help your ability to make operational decisions, allow for the proper filing of various tax returns while placing you in a strong position to best make future (strategic) plans for your business.

Achieve better money and financial results

It is important to be able to measure how your creative business is performing financially. It is impossible to keep it in your head! In order to see if you can improve, you need to know exactly what progress the business has made over time for both the benefit of short and long term decision-making.

Become faster at making decisions in your business

You can make more expedient decisions if you know the optimal earning point for your business along with the types of spending and investments that are being made along the way. In order to assess different vendors, suppliers and other players (stakeholders) in your business, you need to know your numbers and be able to place your hands on this information at any time. Also in order to take advantage of opportunities – you need to have quick and accurate access to the financial performance of your business.

Cultivate the feeling of being in control of your money

You can’t feel in control until you are actually in control. You can’t just make believe “control “, it has to be the result of actually having a money handling plan that is tailored to your business. It must take into account your aspirations, risk tolerance and other aspects of your being in business. The money skills that you learn are instrumental in moving you along to really knowing your money and connecting with the number aspects of your business. Once you have determined that, then you are truly in control of your money and can start to gain momentum and the true feeling of control.

Have the time to create and promote your entrepreneurial offerings

As a creative-artistic entrepreneur, you have many hats to wear (oh goodness!) and to that end you need to balance your time between the management and strategic side of your business, together with working on your creative offerings and marketing and promoting what you have to offer. While this sounds exhausting, it doesn’t have to be once you have enough in place to feel at peaceful about your business and its money dealings.

Encourage your creativity through not worrying about your business finances

If you have a money plan in place for your business, then you have a course to follow. You can find peace in knowing that you have a strategy in place and this can help you creatively. How? You can relax and encourage your creativity and not be so pre-occupied with what is occurring with your business finances. If you can’t do this – then something needs to be fixed.

These are just some of the more important aspects. I don’t want to insult your intelligence by listing the obvious, however they are worth mentioning and repeating:

Keeping your expenses down to improve your bottom line
Earning to your business potential
Pricing strategies
Identifying opportunities
This is just to name a few, but these are all gleaned with your business money plan. I want you to think beyond the traditional number reasons and consider the intrinsic and in my view, ultimately more persuasive reasons for having a business money plan.

Remember, as I have said: This is not just one of those “need to haves” ideas that entrepreneurs are told by every money and business guru, it truly is one of the few important items that should be created as early as possible in your creative business.

© 2017 Shantel’s Art & Design

Posted in Uncategorized | Comments Off

Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

Posted in Uncategorized | Tagged , | Comments Off

What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

Posted in Uncategorized | Tagged , , , , , , | Comments Off

What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

Posted in Uncategorized | Comments Off