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.

Anti Aging Skin Care Treatment – The 7 Secrets to Beautiful Skin

The way we age is part hereditary but mostly related to the environment, how we take care of our skin, and products we use. Products do differ in the benefits. It can be very confusion and often exhausting reading labels and trying to determine the most benefit to your skin. The ingredients lists of our products are lengthy and often have long words only known to chemist.But it is more than the products. What you do to take care of your skin makes a difference.1. Use a Gentle Wash. Washing and removing all make up, oil and dirt from your face in the morning and at night is important. Don’t go to bed with make up on. Washing your face in the morning and washing your face at night is very important. Washing your face is the first step to beautiful skin and good skin care. Washing your face in the morning will open your pours and refresh your face to start your day whether you wash in the shower or at the sink. Make sure your facial wash is PH correct. A wash should not be drying or stripping.2. Use a Toner. Use a toner to remove what washing your face did not remove. A toner is a necessary part to any skin care treatment or skin care regimen. The toner should be a PH correct to maximize your cleaning effort and restore balance.3. Use an Eye Cream. An eye cream is very important. The skin under your eyes is different than the skin on your cheeks, chin, or forehead. The skin under your eyes is very delicate. Your eye cream should help reduce the puffiness and tighten the skin underneath your eyes. If you can only afford one good product for your skin care, buy a good anti-aging eye cream.4. Use a Moisturizer. The moisturizer will help you to achieve and maintain beautiful skin. The moisturizer must have minerals and vitamins in the ingredients. Copper is known to be one of the best minerals for an anti-aging skin care regimen. Stay away from products that have mineral oil and petroleum products as an ingredient. Mineral oil can clog your pours. Mineral oil prevents the minerals and vitamins from penetrating the first layer of skin to go down deep into the pours where they do their work. Moisturizers provide your skin with the necessary drink it needs to remain hydrated. You want to use a moisturizer that will hydrate your skin without leaving an oily feeling. Use products that have protection against the UV Rays even in the winter months. Your face is exposed to the sun even in the winter months.5. Use a Night Cream. A night cream will help to replenish your skin with nutrients needed for the rebuilding of your cells. Make sure the night cream is placed on a clean face. A night cream will provide moisturize and rejuvenate your skin while you sleep.6. Use all the above products on your neck as well. Many women stop the facial skin care at the jaw line omitting one of the most important parts of our body for skin care. That is the neck. Do your body a favor and provide all the same skin care to your neck. You will notice a difference. Did you know the appearance of wrinkles on your neck can give away your age? Take the extra 30 seconds and give your neck the treatment it deserves.7. Most important take care of your skin from the inside out. Taking care of the skin only goes so far! It is imperative to provide your body with the necessary vitamins, minerals, and antioxidants to build beautiful skin. An antioxidant will rid your body of the free radicals preventing your cells from achieving maximum health.Okay, now that you know the 7 (seven) secrets to beautiful skin you may ask is it really important to use all those products? Yes, it is. Each of the 7 (seven) secrets provide individual benefit to your skin. It would be great it just one product could provide all the benefits but frankly it would not work. Would you expect your wash to offer a moisturizing benefit that would not require any other skin care product? Think about it, how could you possibly get the best minerals, botanicals, and vitamins such as copper, wheat germ, aloe, cucumber extract, green tea, just to name a few, into one bottle. Good products will provide you with a quick but beneficial skin care system. A beneficial skin care system should help to make you look as young as you feel. It should take tired eyes and make them look younger when the dark circles and puffiness and fine lines are visibly reduced. A botanically based formula support the special skin care needs of both men and women. An anti-aging skin care system should produce results to beautify skin. A skin care system that produces results should firm the appearance of the skin while creating a brighter and smoother skin.

Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.