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.

Understanding Payday Loans

Life is a roller coaster ride, isn’t it? We experience vicissitudes of life. Left and right we definitely in need of money to sustain our individual and personal necessities. Aside from this, we are often times tempted with the bargains in the shopping malls and inevitably we spent more than what we expect to have. Exactly, this is true, this happens in reality and this results to financial shortage. Now, where we go? Here we go again, finding possible solution to catch and cover our expenses. And what to do? Are we going to let ourselves experience starvation? Here’s payday loans, a great and helpful source to answer our problem.Let us try to reflect on this, let’s understand what payday loans is.Payday loans let you borrow small amounts of money for as little as a week or a month, but with very high interest rates, which mean it could end up costing far more than you bargained for. These are suitable for someone going through financial crisis. In the event an individual goes bankrupt and is unable to meet the high cost of his utility and medical bills, payday loans can be very helpful. These are given by private lenders or lending institutions in the form of cash advances on Payroll cheques.Let’s take this for instance, in U.K. They let you borrow from £50 to £1,000 for a few days or up to a month until you get paid the following month. Loan companies typically charge up to £30 for every £100 cash loan you borrow for up to 31 days. This may sound reasonable on the face of it, but it equates to an APR (annual percentage rate) of a whopping 2,255%. The idea of payday or cash loans is that they give you access to emergency cash for a short period without you having to go to your bank. However, with such high interest rates borrowing a small amount of money can be very expensive. Isn’t it?Now, applying for a payday loan is easy as lenders make few checks and in some cases credit checks are not carried out at all. However payday loans can be a very expensive way to borrow money. For example, a cash loan of £500 in U.K for 31 days could cost almost £150 in interest – or almost £5 per day.One of the biggest problems with loans is that the following month when the loan is repaid, you may find that you are short of money again and a further loan is needed. In this way the cost of borrowing a small amount of money can increase dramatically. Loan companies have been blamed for getting people into debt problems they are unable to get out of.As a last resort, a payday loan could provide an emergency cash advance for up to a month. However make sure you budget so you can pay the cash advance back within the agreed term and so you don’t have to take out another the following month. Although it’s interest rates are very high, charges vary – shop around to find the best deal on cash loans or try visiting the web and browse on the on line payday loans. Read them with understanding and try to reflect on it.Definitely, payday loans are almost certainly not the only borrowing option. An authorized credit card will be much cheaper. The world is changing dramatically each day, and if you are in financial difficulties, before you borrow money or take out a cash loan, use some debt help tools and search for articles to get information on your situation that could help your finances on the right track.I assure you, aside from payday loans, Saving is one tool to avoid from going into loans which cause you much disgrace, trouble and great financial dilemma.

Don’t Get Burned By Web Designers

If you bring up the subject of web design with small business people, it wouldn’t take long to find someone who has been burned by a web designer. Perhaps they have even come to the conclusion that a web site is not worth the expense. Let’s look at how and why that happens, and outline some success principles that will help you when you need web design services. Since so many web designers get it wrong, the web design principles that actually work may surprise you.One of the problems with web design is that software programs have made it seem easy to create a web site. If you have the software, it would not take you long to build a web site. There are an abundance of inexpensive templates available to make it even easier to put together a web site. Getting a professional looking web site is not difficult at all. So you may wonder, why is that a problem?The process of creating a web site does not end with making it look professional. In fact, that could very well be one of the least important aspects of a web site design. Let’s face it, there are ugly web sites that make a lot of money. Since life is not fair, there are great looking web sites that make little or no money. I’m not saying the professionalism of your web site is not important; I am saying it’s not enough.There is a serious flaw in the web design industry, and small business owners are especially prone to fall victim to it. The problem is that usually, very little business planning goes into a web site design. Too many web designers are more concerned with selling web design than taking the time to build an effective web site.This deficiency stems from the fact that very few web designers are marketing people. Small business people do not have big advertising budgets, so they are easily attracted to the low rates of average web designers. Good marketing means setting priorities and effectively using your resources to accomplish goals.The one element I find seriously missing in web design is the very thing that is fundamentally important; that element is uniqueness. A Unique Selling Point (USP) is one of the basic tenets of marketing. You must answer the questions: why should I buy from you, and, what makes you different from my other choices? If you fail in this area, your web site visitor will not be kind to you. They will leave and not come back; they will probably not tell you why they left either.Read your web site copy to see if it contains another common error. Does it say, “We this,” and, “We that?” Do not “we” on your web site visitors! Your web site copy should speak to the visitor, address their needs, and solve their problem. It must compel them in some way. You need to draw them in and sell them on your solution.When you take notice of how many web sites violate these basic marketing principles above, you will begin to see how you have the opportunity to rise above your competitors. Just think, if the majority of business web sites are violating even these most basic principles, how much more could you benefit from hiring a web designer who understands marketing?There is a lot of emphasis placed on search engine optimization (SEO), and there should be, because this is very important if you want to have your web site found by people using the search engines. For most web sites, search engines account for 80% to 95% of all visitors. However, as important as SEO is, if you have a web site that is not creating sales with the visitors you are already getting, SEO is the wrong priority.The next principle is the one you will probably find the most surprising. People actually read web sites! Yes, they do have a short attention span, and we will look at that point next, but they do read. There have been many studies done to document the way people use web pages. Even though so much attention is given to graphics, the studies show that well over 75% of the time, web page users read the text before they notice graphics.This does not mean that graphics are unimportant. Visual elements are one of the many advantages a web site can provide. When you consider that people use the Internet to seek information, then it does makes sense that they will read your web site’s content. Providing the right information can mean the difference between winning a customer, or surrendering them to your competition.I also promised to cover the short attention span issue. It is often called the 3 second rule. According to web studies, if you cannot capture the attention of your visitor in approximately 3 seconds, that’s how fast they usually leave your web site. I suspect the reason is because so many web sites are such a horrible waste of time, that people’s patience has been worn down. The solution is to have a fast loading page that quickly clues them in that you can solve their problem. If they can “skim” in a few seconds, and you grab their attention, you have successfully drawn them in so they will stay a while.Statistically, it takes 7 visits before you make a sale. If your web site is not done correctly, you will have dismal results because you can’t get them to come back seven times. That is why so many web site owners are disappointed with their success. That is why some web designers provide what seems to be a bargain, while other web designers have to charge more to give you a better value. It takes more time to plan and create a good web site design.The good news is that most of your competitors will go for the bargain and suffer the same fate as everyone else who does not realize the value of an effective web site design. Very few of them will invest the resources needed for success. If you do, you can win. This does not mean you need the big budget of a major corporation, or that it has to be expensive, it just means you need to be willing to do better than average. The rewards are much greater when you stretch beyond the norm.