Debt Consolidation – A Pattern For Life?

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

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.

10 Businesses You Can Start For $500 Or Less!

Long time statistics have shown that 9 out of 10 new businesses fail in their first year. Lack of planning and financial ruin is one of the most common causes. Starting small is a way to insure minimal risk in new business. The founder of Dell computers was a college dropout on a shoe-string budget who started his business out of his garage. One in three computers sold today is a Dell.The following is a list of just some of the businesses you can start for $500 or less.
Housekeeping – Requirements/ household cleaners, mop, broom, vacuum, towels, bucket, business cards – approximate cost $150. Molly Maids is a multi-million dollar business started with a broom, a mop, and quality and reliable service. I can guarantee you that the CEO of Molly Maids doesn’t clean houses any longer.

Gardening or landscaping – Requirements/ mower, edger, blower, rake, shovel, clippers, business cards – approximate cost $450. Some education won’t hurt you here, but even without it, how much money did you make mowing the neighbors yard when you were young?

Internet sales – Requirements/ computer – approximate cost $500. It’s likely you already have a computer at home so this just might be the cheapest and easiest business to start. It has been estimated that by the year 2020, nearly all retail purchases will be done over the World Wide Web. Getting on the bandwagon now may set you up for a prosperous internet business in the near future. Look into working with “drop ship” companies to avoid up front expense and storage fees.

Mobile food service – Requirements/ business cards – approximate cost $30. With a half hour lunch break, employees at many companies have little time to leave work and order lunch. Providing a morning menu for lunchtime delivery can be helpful to these people and provide a good source of income for you. Your job? Call in the order, pick it up, and deliver it; for a fee of course. Delivering 15 lunches to one company at $3 to $5 profit apiece can add up quick. Or how about a hot dog cart at special events?

Pool service – Requirements/ pool cleaning supplies, start-up chemicals, brush, net, hose, business cards – Approximate cost $400. States with warmer climates have many homes with swimming pools needing weekly care. Service to numerous homes in the same area can net you a small fortune. Business cards on the door or mailbox lets the homeowner know you are available. It may take some time to get a solid clientele, but be patient; established pool service routes can be very valuable if and when you decide to call it quits.

Consulting service – Requirements/ know-how, business cards – Approximate cost $30. What do you know that might be of monetary value to others? Sell your smarts!

Delivery service – Requirements/ the car, scooter, or bicycle you may already have/ business cards – Approximate cost $30. A great business within large city limits. Corporations, small businesses, restaurants, etc. may be in need of delivery services. Whether it is paper documents, payrolls, food, or other items, delivery services can be a steady and profitable business.

Painter – Requirements/ brushes, rollers, edger’s, towels, tarps, business cards – Approximate cost $200. Visit local hardware stores to let them know you are available for work and will purchase paint through their stores. Their referrals may keep you busy for months at a time.

Handyman – Requirements/ basic tools, business cards – Approximate cost $500. Depending on they type of jobs you acquire in this business, a contractors license may eventually be required. Check with your local and state government offices to determine at what point you will need one.

Daycare – Requirements/ toys, educational materials, bedding, a safe and clean home, love – Approximate cost $300. This business requires patience and child care experience. If you care for more than three children at one time, it’s likely you will be required to be licensed. Check with your local and state government offices for restrictions and requirements.
Most of these business start-up ideas will require an additional two items you likely already have; an automobile and a telephone. But otherwise, they are super simple and easy to start new businesses suitable for nearly anyone wanting to become self-employed.The key to having a successful business is to do what you would enjoy doing anyway. Make a list of the things you like to do and follow that with an extended list of ways to make money in a related business. Be creative with your business idea, there are many more options available for you than you probably realize!