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.

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.

How to Build a Successful Online Business: The 5 Pillars of Success

So you want to learn how to build a successful online business. I don’t know your exact situation right now, but I can guess that you probably fall into one of 2 categories: either you are currently working the 9-5 and want to find an alternative or you are already in an online business and are looking to increase your income. So let’s have a look at the 5 pillars of how to build a successful online business.Success Pillar 1: Have a PlanIf you were going to setup a brick-and-mortar business and had to borrow money for the bank, they would certainly require to provide them a business plan. They want to know that you are organized enough and focused enough that the money they lend you will not be wasted.The same applies to an online business. Once you open the door to making money online, you will soon be bombarded by all sorts of offers and opportunities. Who knows, you may have already experienced this. Without a good plan of action, you may be tempted to listen to all those offers. If you don’t focus your energies towards one goal, you are wasting your time.”In order to succeed, your arrow of focus must be pointed in one direction”When creating your business plan you will want to focus on the following:1) “Why”: What is the reason for starting your online business? And don’t just write that you want to make money. Take a moment to reflect on the real reason you want to succeed online. Are you doing this to provide a steady income for your family, do you want to work from home and have time freedom, or do you want to share and teach your success to others? Don’t worry about making it perfect, write it down today and you can modify it as you go along.2) Goals: Set realistic goals within a time frame. For example, if you just got started, a good goal would be to make you first 500$ within a 1 month period. If you are already making 500$ a month, set your goal to double that within a month. As you start seeing success from your efforts, you can start stepping up your goals to be more challenging.3) Actions: What actions are necessary to achieve your goals (be specific). If you are just starting up, actions like setting up your domain and website would be a good one, then setting up your capture page and autoresponder. If your system is already set up, you could take action to increase traffic for your site or you could tweak your capture page to increase conversion.Success Pillar 2: Pick a good mentorA good mentor will make the difference between success and no success. A good mentor knows the way and can show you the ropes. When I got started, I didn’t have someone like me to show me what to do. I was here and there and nothing seemed to work. It wasn’t until I found a good mentor to show me what steps to take that I was able to achieve success in my business.Picking a mentor doesn’t necessarily mean to partner up with the Top Gun of your company. Oftentimes they are so busy doing what they need to do that they don’t have the time or energy to hand hold all the newbies. You are much better off finding a leader that has the time to help you along the way and guide you as you take the steps to success.Success Pillar 3: Self-BrandingThe most common mistake when starting an online business is to lead with your business/product/payplan. It is truly an important part of the business, but not the most important. The #1 key principle is to BRAND YOURSELF. Who knows, you may be with a particular company today, but what happens if you decide to change? If you spent your time branding yourself, the transition will be easy. If you branded your company, you will have to start all over from scratch.Look at all the top producers in the industry. Jonathan Budd, Brad Callen, Mike Dillard, just to name a few, have all branded themselves very strongly. When they create a new product, it is easy for them to sell it because their customers know, trust and like their brand (themselves) and will trust the new product being offered.The best way to brand yourself is not to hide behind a computer screen. Create a website with your name as the domain, have real life pictures of yourself, create videos in which you offer value to your viewers, use the social media platform and be visible. You don’t have to be the best in the world to be liked, just offer valuable content to the best of your abilities.Success Pillar 4: Systems and Follow-upThe main reason for creating an online business is to leverage the internet to free your time. By having systems do most of the work for you you achieve two things: 1) you build relationships without having to actually be there and 2) you can spend your time and efforts on other things that will increase your results.Disclaimer: I’m not talking about the “push this button and make money without lifting a finger” Just like building a real business, you need to put effort and time to create your online business system and then promote it.So what kind of systems am I talking about? The main components of your system will be: Your website/salespage and your autoresponder.Your website: This system is meant to allow visitor to get to know you and your opportunity. It should answer most of the frequently asked questions about your business and give a bit of your personality so that visitor and potential business partners get to know you as a person.Your autoresponder: This is a series of emails that will continue to touch base on autopilot with the people who have shown interest in your opportunity. It should be packed with valuable information and obviously lead back to your opportunity. There are 3 major players as far as autoresponders: aweber, iContact and get response. I choose one over the others.Success Pillar 5: Marketing and TrafficTraffic is the lifeblood of any business. When it comes to the topic of online traffic, you could search online for days and still find new products that will teach you the “new best way” to drive tons of traffic to your website. The truth of it is, if you bulk up the information, traffic can be grouped into 3 categories: Link Building, SEO and Advertising.1) Link Building: Link building not only increases your traffic, but has the added bonus of increasing your SEO. Link buiding, put simply, is the activity of producing and publishing content online in order to increase the number of links pointing back at your site. There are many many ways of doing this and I will share with you my favorite ones: Articles Marketing, Video Marketing, Hubpage/Squidoo marketing (if you don’t know what this means, don’t worry) and finally, Forum participation.2) SEO: SEO stands for Search Engine Optimization and means to optimize your web content for the search engines (like Google). Done properly, this will generate a large amount of free traffic from the different search engines.Just to give an example: I created a small website for my real estate business about 3 years back. I optimized the content for a particular keyword and published a few articles about the topic to build links. Ever since the website appears on the first page of Google, that website has been receiving 20-30 hits per day and generating 2-3 leads a day. And I only spent a few hours creating and optimizing that site. I’m not saying that it’s always that easy, but once you get there it’s a breath of fresh air.Link building for SEO: Links are like votes for your site. The more links you have, the more you have authority and search engines look for authority sites. So as you put effort in your link building for traffic, you are also building vote towards your site which will lead to better ranking in the search engines.3) Advertising: The are 2 ways to advertise: Free and Paid. Free advertising is like posting ads on Craigslist. A good example of paid advertising is the Google sponsored results or PPC (pay per click). This topic is very broad and surpass the scope of this article. I would definitely recommend focusing on link building at the beginning. PPC is quite complex and for someone that doesn’t know how to do it, it can be quite costly. I’ve personally burned a few hundred dollars in a few days on Google PPC without much to show for it.So there you have it, the 5 pillars of how to build a successful online business. If there are things in this article that you did not understand, please be assured that everything will come together soon.