Business and Brand Puns – How To Attract Consumers With Humour

Everyone loves a good pun.

There’s nothing better than making your audience and consumer instantly smile, or even chuckle, just by hearing or seeing your business’ name. It is an instant icebreaker, and lets the consumer know that you are a down-to-earth, approachable business.

However, we realise that not everyone feels the same way about the idea of turning a business or brand name into a pun. They might not work for everyone, and instead of attracting a consumer, it may well put them off a business altogether. Also, there is the possibility of causing confusion as far as different cultures and translations: if you want to appeal to a more international market, it is probably best to stay away from a brand pun.

Most adversity to business and brand puns is quite unfair though. Many businesses are thriving with business puns, and it makes some businesses reputable solely based on their name. So, if you are a non-believer of the power and attraction of puns, we hope to bring you round to our appreciation after reading this!

Free Promotion!
The promotion, reputability and publicity that all come from simply having a business name pun is undeniable, as well as ridiculously under-appreciated.

When your business has a funny (or punny!) name, people will definitely take pictures and share those images with their friends. Nowadays, that image will certainly end up online, on social media and possibly in a trending list article about epic puns from the UK.

Since all business goals revolve around gaining reputability and getting their business well known, this is definitely one way to do it. This is free promotion; you just have to make sure your phone number and business information is closely linked to your business name pun. For every person who clicks onto that image of your business name pun, there will be someone looking for what you do who will take note of your number.

However, in order to gain promotion and publicity from your punning name, you don’t have to wait and rely on others to draw attention to your business. For example, it can be a selling point for a promotion or competition on social media. You can offer incentives for everyone who has a picture taken with your funny sign, or use it as a way to encourage other puns or funny business names in another campaign.

Make it Memorable
Perhaps the most important, and valuable, fact of utilising a witty pun as your business name is that it is bound to be memorable. A pun makes everyone smile, laugh, or even groan (in a good way!), and this humour helps people remember. However, be careful, as one of the worst things to do for your business is choose a name that is spelt wrong in some way – even if it has been adjusted to fit a pun.

For example, you may remember an optometrist called “OptimEyes”, but would you necessarily remember how to spell it? It wouldn’t be harmful as a store, in order to gain attention on the street, however if people tried to Google the name, they may be searching many wrong spellings.

Alternately, spelling and having to explain your business names are always obstacles in naming your business or brand. Even if you name your business a relatively normal, plain name, you will get questioned on your choice. At least if you are explaining a punny business name, there is a story to go behind your decision. It is easier to explain “OptimEyes – eyes as in the ones we specialise in!”, rather than explaining how you came up with “Eyesify” and how exactly you spell that, or worse.

Asides from spelling, a main advantage of a punning name, rather than a made up or plain name, is that there will be a story that people will enjoy hearing, and undoubtedly remember. The funnier, and more unique, the pun and the story behind it: the better! Plus, even if there isn’t more of a story than “it rhymes / made us laugh”, your name will still be far more memorable as a pun.

Multiple Meanings
One useful advantage of utilising puns in your business name, or even tagline, is that you can be quite clever with it. You can use your business pun to mean many different things, and add different facets to your business and what you provide.

Of course, this isn’t possible for all puns, but there are a few gems that can get away with multiple meanings that can be attributed to your brand in a positive way. For example, there’s a cheese cake supplier (and we literally mean a cake – made out of cheese), who mainly supply stacks of cheese for weddings and special occasions, called C’est Cheese.

This is a great example of a pun with multiple layers of meaning that can all be attributed to the supplier in a positive way. Firstly, their name is cleverly chosen in French, meaning literally “it is cheese”, which is true, but they are also playing on the fact that they are being cheesy in our British associations of the word. Also, they’re playing on the fact that the French line rhymes with “say cheese”, as well as playing on the well-known French term “c’est chic”, meaning “it is stylish”. There are so many positive associations with the name, as well as the fact that you will remember it, making it a perfect pun.

Plus, even if the meanings are simple to understand, a pun will usually add an extra layer of meaning for your business. For example, we discovered a tile-laying business, simply called Bonnie Tiler. This is a perfect example of an easy pun that makes you smile with its simplicity. Of course, it plays on the famous singer Bonnie Tyler, whilst adding the extra facet of the business being bonny tilers (bonny or bonnie as in attractive and happy), which is an association you’d like to be known for as a business.

Overall, we think these positives and advantages of puns far outweigh any negative associations. Of course, brand and business name puns tend to work better for smaller businesses, mainly on a national level. However, there are many examples of bigger brands utilising puns in taglines or advertising slogans, rather than keeping them as permanently in their name.

Plus, some are so subtle that you may not even notice them at first: for example, Absolut vodka is infamous for its advertising campaign revolving around their name, such as “Absolut magic”. This is clever, as you don’t notice it at first, but they are using their name in order to describe their product and add positive attributes to it, playing easily on “Absolut/absolute”.

Therefore, no one can deny that puns are effective, and a good way to market your business or product. There is an acknowledgement that puns are cheesy, and they exist in a clever, ironic, self-aware comedic form as business and brand puns often. So, what’s not to like?

If you agree that puns are just lovely in brand and business names, or taglines, then we’d love for you to join in with our #PundayMonday! It’s simple – pick your favourite business pun that you’ve seen around, grab a picture if you can, and post it onto Facebook or Twitter with the hashtag #PundayMonday – and tag Bright Yellow Creative Group!

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Business Loans – Information for Business Owners

A business loan provides financial aid to business of all sizes (i.e. small businesses, medium-sized businesses or start-up businesses). It is ideal for business owners who need funding to enhance or expand their business. When you need a loan for your business, you must adopt a strategic approach. Cautious planning is necessary for ensuring success in obtaining business loans.

Business Plan

When you are considering applying for a business loan, it is important for you to take enough time to create a convincing and detailed business plan. Your business plan should include information, which will assist your finance broker as well as the lender/credit provider in providing you with the right type of finance and advice. Here is a list of information you should include in your business plan:

>> Your business structure

>> The purpose and goals of your business

>> Your past and future plans for your business

>> The profit and loss projections and cash flow forecasts of your business

>> Your marketing strategy (i.e. the products or services your business provides)

It is also important to state in your business plan the specific purpose for which you want to use a business loan.

Decisions to Make

Once you have assessed your needs for a business loan, you should investigate which finance products suit your needs for a business loan as each loan has varying features for you to choose. To help with this process, here is a list of things to consider and which you can discuss with your finance broker:

>> The loan amount required

>> The loan term (i.e. the period in which the loan will need to be repaid)

>> Interest rate type and repayments (i.e. fixed or variable)

>> Loan fees, and

>> Loan security (i.e. the type of security offered by you)

Finance Products

There is a variety of business loans available to choose from. Here is a brief summary of common business loan products specifically designed by lenders/credit providers for business owners, which can assist your individual situation as a business owner:

Commercial Bill Facility

A commercial bill (also called a bank bill or bill of exchange) is a flexible credit facility that can give your business a short-term or long-term injection of cash. The finance provided by the commercial bill can help your business in the event that you may need to solve an unexpected or urgent problem, and you do not have the required cash flow. You agree to pay back the face value of the commercial bill plus interest to the lender/credit provider on a specific maturity date.

Overdraft Facility

The purpose of establishing an overdraft facility is to provide working capital for your business in the short-term, before receiving income. An overdraft facility should not be used for capital purchase or long-term financing needs. The overdraft is a normal trading account facility for your business, whereby the lender/credit provider permits you to use or withdraw more than you have in the trading account. But, only up to an agreed amount and any negative balances typically need to be repaid within a month.

Line of Credit

A line of credit (also called an equity loan) can provide access to funds by allowing you to draw an account balance up to an approved limit. The loans are designed as a long-term debt facility and are usually secured by a registered mortgage over a property.

Fully Drawn Advance

This is a term loan with a scheduled principal and interest repayment program. The loan provides access to funds upfront, which can be used for funding long-term investments that will expand the capacity of your business, such as purchasing a new business or even purchasing equipment. Fully drawn advance loans are usually secured by a registered mortgage over a residential or commercial property or a business asset.

Short-Term Loan

A short-term loan can provide short-term funding needs for your business. You can take out a short-term loan if you want to take advantage of a very quick financial opportunity or to help you get out of a financial cash flow crisis. The loan offers a fixed sum advance and requires a periodical interest charge to be paid by you. Short-term loans typically require a security to be provided.

Business Equipment Finance

If you decide to expand your business operations and take benefits of potential tax advantages, you should consider taking out business equipment finance, as the finance arrangement allows you to buy, lease or hire a new vehicle or specialised equipment (e.g. cars, trucks, forklifts, printing, computing, medical and office equipment as well as plant equipment and machinery). Typical finance arrangements to consider for business equipment finance are asset lease, commercial hire purchase, chattel mortgage or equipment rental.

Truly, there are several finance products available in the market to help business owners. When you seek out finance for your business, don’t be in a hurry. Consider all the alternatives in detail and then choose the one that is right for you and your business.

[http://www.singhfinance.com.au/] is a reputed Australian finance brokerage firm that employs a team of expert and professionally qualified finance brokers who will obtain a pre-approved business loan [http://www.singhfinance.com.au/commercial-finance] for you. Our team of expert finance brokers will even find suitable insurance solutions for your business. Call on 0424 190 908 today or visit the website and simply click on the “ENQUIRE ONLINE” form.

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How to Setup a Business in Ontario, Canada?

How to setup a business in Ontario?

Setting up a business can be an overwhelming task with a lot to comprehend. It all starts with a dream and a vision, but how do you turn that dream into reality? The dream of becoming your own boss and having the freedom to make your own decisions can be a complicated one at the beginning. Once you have determined on the actual business and its inner workings, you will have to move on to the next step of executing that business. This is where a lot of people get stuck and don’t really know where to go next.

In this article I will explore and shed light on several different business structures available in Ontario. I will also explain how to be in compliance with Canada Revenue Agency (CRA) tax obligations.

The three most common structures are Sole proprietorship, Partnership, and Incorporation.

1. Sole proprietorship

Sole proprietorship, also known as a proprietorship or a sole business, is a type of business that is owned and operated by a single individual. Other individuals do not participate or own the business. This is the most simplest form of operating a business.

A sole proprietorship is simple to setup, you can operate the business under your personal name. If you desire to use an operating name you are able to register a Master Business License and operate under an operating name. The requirements for setting up a sole proprietorship are outlined in the provincial legislation.

The shortfall with a proprietorship is that the sole proprietor is personally liable for the business. There is no legal separation between the business and its owner. This creates unlimited liability from creditors and other business debts.

What are the setup cost?

The setup costs are relatively low. To Register a Master Business License online the government fee is $60. There are additional fees for name search and enhanced business name search.

How is a sole proprietorship taxed?

A proprietorship is not a separate legal entity and is taxed based on the proprietors personal income. A separate tax return is not required. The income or losses of the proprietorship will be taxed at the applicable marginal rate of the individual. If the business is profitable this may put you in a higher tax bracket.

There is no need to obtain a CRA business number for a sole proprietorship. However, in certain circumstances you will be required to register a HST number. If you have employees you will be required to register a payroll number. All of which can be done over the phone by calling the CRA business line.

The income and expenses from the sole proprietorship can be reported on your T1 Personal Income Tax return on the T2125 Statement of Business Activities form. You will be required to keep all your receipts for income tax purposes.

2. Partnership

Much like a sole proprietorship, a partnership is not a separate legal entity. A partnership arises from the legal relationship between two or more people that join forces to start a business. The partners do not have limited liability from creditors and personal assets could be seized. This has given arise to several different partnership structures, including General Partnerships, Limited Partnerships, and Limited Liability Partnerships; each of which has a different level of personal liability.

What is a General Partnership?

In a general partnership each partner is jointly and separately liable for the liabilities and obligations of the partnership. In this type of partnership, the partners do not have limited liability from creditors and personal assets could be at risk.

What is a Limited Partnership?

A limited partnership consists of a general and a limited partner. The limited partner has limited liability and only the initial investment is at risk to creditors. The general partner has unlimited liability.

What is a Limited Liability Partnership (LLP)?

A LLP is created under The Partnerships Act which allows certain professionals to practice under a LLP. The legislation states that the partner is not personally liable for any liabilities of the partnership that arise as a result of negligence by other partners of the LLP. The partners’ investment and the assets of the LLP can be at risk.

Do I need a partnership agreement?

Although a partnership agreement is not required by law, it’s a very good idea to have one in place. The partnership agreement would help avoid disputes among the partners in the future. The partnership agreement should include the following:

General governing rules regarding the partnership

How to add or remove partners

What happens in case of death of a partner

How to divide and distribute profits and losses

How is a partnership taxed?

A partnership is not a separate legal entity and does not file a separate tax return. The profits and losses flow directly to the partners, who report the income/losses on their personal tax return. A partnership could be required to file a T5013 Statement of Partnership Income depending on revenues and other criteria. A partnership calculates income and expenses in accordance with section 96(1) of the Income Tax Act which states that income and expenses have to be calculated at the partnership level.

A CRA business number for a partnership is not required. However, in certain circumstances you will be required to register a HST number. If you have employees you will be required to register a payroll number. All of which can be done over the phone by calling the CRA business line.

3. Corporation

A corporation is a separate legal entity which can be incorporated at the federal or provincial levels. A corporation is separate from its shareholders and must file a tax return annually regardless of the revenues it makes. A shareholder of the corporation is not liable for debts of the corporation. Although a corporation can be named in a lawsuit, the shareholders have limited liability to the capital contributed to the corporation.

What is a Federal (Canadian) incorporation?

Federal incorporation will allow you to operate and open branches all across Canada with the same name. The corporate name is recognized all over Canada. A Federal corporation is required to file a annual return every year as long as the corporation remains active. You will also have to register in the province you decide to operate in.

What is an Ontario (Provincial) incorporation?

Ontario or provincial incorporation will only allow you to have a branch in Ontario. If you decide to open a branch in another provide you will be required to incorporate there as well (the same name might not be available). With an Ontario corporation you are still able to sell your products across Canada.

How is a corporation taxed?

The income earned in the corporation is taxed at the corporate rate. The funds left over after paying taxes are considered retained earnings of the corporation. The retained earnings are distributed to the shareholders through dividends and are then taxed in the shareholders’ hands at their respective marginal tax rate.

The setup costs can range from $500 to $5,000 depending on the tax structure and legal advice needed.

When to file corporate taxes?

All corporations have to file a corporation tax (T2) return every tax year even if there is no tax payable. If you are a CCPC the payment is due 90 days after the corporate year end and filing is due 180 days from the year end.

CRA Business Number

The CRA will open a business number for your corporation. The CRA will request that one of the owners or directors provide a social insurance number and major business activity.

GST/HST Number

You will be required to open a HST number if your revenues are going to be above $30,000 or you plan on collecting HST on the goods or services you provide. You also have the option to voluntary register for a HST number from the beginning. It is critical that you review the CRA’s GST/HST Guide to stay in compliance of the regulations.

This CRA tool can determine if you Should register for a GST/HST account?

Payroll Number

You have to register for a payroll account before the first remittance due date. Your first remittance due date is the 15th day of the month following the month in which you began withholding deductions from your employee’s pay.

Conclusion

The type and size of business will often dictate the structure of the business. A lot of businesses start as a sole proprietorship (for the above reasons) and as they grow they will change into a corporation. There are tax provisions which can be used to roll over the business to a corporation tax free. Once this is done the CRA will have to be notified and everything can be changed over.

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Insuring Your Business Vehicle

There are many issues to consider when insuring a vehicle that is owned and used by your business. The questions that surround these issues, and how you would answer these questions, will determine what insurance you need to properly protect yourself, your employees and your entire business. It is important to remember that for this insurance, you don’t want to just go with the cheapest option. Your business is at risk every time a business vehicle is in motion.

As a business owner, you need many of the same insurance coverages for cars, trucks, vans or other types of vehicles you use for business purposes as you do for vehicles you operate in your personal life. The Business Owner’s Policy you purchased for your business does not usually provide liability or other coverages for vehicles used in your business. That means you will likely need a separate vehicle policy.

Most states require you to purchase liability insurance for bodily injury and property damage that may result from a vehicle accident occurring while you or someone from your organization is driving for business. The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance. Although the form refers only to “autos,” autos are defined to include cars, trucks, trailers, vans or other vehicles designed for use on public roads.

Many states also require you to have uninsured/underinsured motorist’s coverage and/or medical payments coverage, known as Personal Injury Protection (PIP) in some states. You can also purchase physical damage coverage for vehicles your business owns, leases or hires.

Each vehicle you use in your business can be separately “scheduled,” or listed on your policy, along with corresponding coverages. In other words, you can choose different coverages for your various vehicles, depending on the vehicles’ characteristics and the coverage you need for each.

Do I Need a Business Auto Policy?

Your insurance agent will ask in detail how you use vehicles in your business: who will be driving them, whether you own, rent or lease, and whether you and your employees are likely to be driving their own cars for your business. The answers to these questions will indicate the types of coverage you need.

In general, only a BACF can provide the level of liability protection-with a recommended minimum of $500,000-that even a small business needs to cover the potential damages in a serious accident.

Will My Personal Auto Policy Cover Business Use?

Your personal auto policy may provide some coverage for business uses of your vehicle. By the same token, your employees’ personal auto policies may cover some business uses if they were using their personal vehicles for business errands.

If the vehicle you are using is used primarily in business, your personal auto policy might not be enough to cover any losses. It will most likely not provide coverage for any vehicle titled and registered to a business. If you, or your employees, are driving personal vehicles for occasional business activities that are covered by your personal auto policies, it is important to have sufficient liability coverage to protect the business in the event of a serious auto accident.

Many business people have a personal umbrella policy, covering claims that may result for damages personally caused to another. It is typical for an umbrella policy to exclude any claims while in the course and scope of doing business.

What Vehicles Are Covered in a Business Auto Policy?

The choice in business auto policies can vary, depending on the coverages offered by your insurance company. The BAP could apply only to one specific car, or could be extended to cover the insured’s use of any automobile. Most states offer three general options for which vehicles could be covered under your policy:

1. All autos owned by your business
2. All autos owned or leased or hired by your business
3. All autos used for the business, including those that are not owned, hired and/or leased.

Most businesses should consider the third option as it will likely be the policy that protects a business when an owner or employee are using a personal vehicle for business.

Details of the Business Auto Coverage Forms

-Be sure the titled owner is listed as the principal insured on the insurance contract.
-Be sure to have “full” coverage on your vehicles, comprehensive and collision.
-It is recommend that a small business have an auto coverage limit of $1,000,000. This amount of coverage does not usually cost significantly more, and it could save your business in the event of a serious car accident involving a business automobile.
-The combined single limit (CSL) on your business policy should likewise be $1,000,000 at a minimum.
-A business umbrella policy is always a good idea. Ask your insurance agent about what options might be available to you on your policy. This gives added protection as long as the underlying policies are in force at certain minimums.

When Your Business Vehicle Is Also Your Personal Vehicle

When an owner of a business, or an employee, drives a business vehicle for personal use and that person does not own their own personal vehicle, there is a gap in liability coverage. The BACF does not cover personal use of the business vehicle in these situations. An owner would need to add a “Drive Other Car Coverage Endorsement” to a BACF policy. This will allow for coverage to other vehicles driven by the business owner, making the policy now act more like a personal policy and covering the driver and vehicles under the business policy.

Your Business May Be Liable if You Allow a Bad Driver on the Road

You and your business can be legally liable for allowing someone to drive one of your business vehicles. If you fail to determine whether or not the person is qualified to drive or has a bad record, you might be liable for negligent entrustment. A case of negligent entrustment arises when you allow another person to drive your vehicle, knowing or having reason to know that the use of the vehicle by that person creates a risk of harm to others. Your business is responsible for verifying any driver’s qualifications before entrusting them with a vehicle.

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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.

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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.

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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.

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