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.

SPDN: An Inexpensive Way To Profit When The S&P 500 Falls

Summary
SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice.
This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index.
SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF.
Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.
We rate SPDN a Strong Buy because we believe the risks of a continued bear market greatly outweigh the possibility of a quick return to a bull market.
Put a gear stick into R position, (Reverse).
Birdlkportfolio

By Rob Isbitts

Summary
The S&P 500 is in a bear market, and we don’t see a quick-fix. Many investors assume the only way to navigate a potentially long-term bear market is to hide in cash, day-trade or “just hang in there” while the bear takes their retirement nest egg.

The Direxion Daily S&P 500® Bear 1X ETF (NYSEARCA:SPDN) is one of a class of single-inverse ETFs that allow investors to profit from down moves in the stock market.

SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.

Strategy
SPDN keeps it simple. If the S&P 500 goes up by X%, it should go down by X%. The opposite is also expected.

Proprietary ETF Grades
Offense/Defense: Defense

Segment: Inverse Equity

Sub-Segment: Inverse S&P 500

Correlation (vs. S&P 500): Very High (inverse)

Expected Volatility (vs. S&P 500): Similar (but opposite)

Holding Analysis
SPDN does not rely on shorting individual stocks in the S&P 500. Instead, the managers typically use a combination of futures, swaps and other derivative instruments to create a portfolio that consistently aims to deliver the opposite of what the S&P 500 does.

Strengths
SPDN is a fairly “no-frills” way to do what many investors probably wished they could do during the first 9 months of 2022 and in past bear markets: find something that goes up when the “market” goes down. After all, bonds are not the answer they used to be, commodities like gold have, shall we say, lost their luster. And moving to cash creates the issue of making two correct timing decisions, when to get in and when to get out. SPDN and its single-inverse ETF brethren offer a liquid tool to use in a variety of ways, depending on what a particular investor wants to achieve.

Weaknesses
The weakness of any inverse ETF is that it does the opposite of what the market does, when the market goes up. So, even in bear markets when the broader market trend is down, sharp bear market rallies (or any rallies for that matter) in the S&P 500 will cause SPDN to drop as much as the market goes up.

Opportunities
While inverse ETFs have a reputation in some circles as nothing more than day-trading vehicles, our own experience with them is, pardon the pun, exactly the opposite! We encourage investors to try to better-understand single inverse ETFs like SPDN. While traders tend to gravitate to leveraged inverse ETFs (which actually are day-trading tools), we believe that in an extended bear market, SPDN and its ilk could be a game-saver for many portfolios.

Threats
SPDN and most other single inverse ETFs are vulnerable to a sustained rise in the price of the index it aims to deliver the inverse of. But that threat of loss in a rising market means that when an investor considers SPDN, they should also have a game plan for how and when they will deploy this unique portfolio weapon.

Proprietary Technical Ratings
Short-Term Rating (next 3 months): Strong Buy

Long-Term Rating (next 12 months): Buy

Conclusions
ETF Quality Opinion
SPDN does what it aims to do, and has done so for over 6 years now. For a while, it was largely-ignored, given the existence of a similar ETF that has been around much longer. But the more tenured SPDN has become, the more attractive it looks as an alternative.

ETF Investment Opinion

SPDN is rated Strong Buy because the S&P 500 continues to look as vulnerable to further decline. And, while the market bottomed in mid-June, rallied, then waffled since that time, our proprietary macro market indicators all point to much greater risk of a major decline from this level than a fast return to bull market glory. Thus, SPDN is at best a way to exploit and attack the bear, and at worst a hedge on an otherwise equity-laden portfolio.

Nutritional Health Supplements – How I Was Wrong About Them

It was my opinion that everybody gets enough nutrients in their diets and that nutritional health supplements were a waste of money. Having played competitive sports for many years, my belief was that women’s or men’s health supplements are only for athletes or body builders. I was wrong! The health benefits of supplements are for everybody and anybody who lead busy, stressful lives. Physically active or inactive, healthy or unhealthy we can all benefit from an herbal nutritional supplement or natural vitamin supplements. I learned this the hard way through personal experience.I had not realized that proper nutrition can be difficult to achieve for many people. Healthy living is difficult when most people do not get enough nutrients in their diet. For example, many cannot get the recommended daily allowance of fruit and vegetables each day. Forgetting nutritional supplementation is no longer an option if we want total nutrition. Unfortunately, the problem is bigger than I thought when you consider all the factors that come into play;Many fresh foods are no longer meeting their optimal nutritional potential. In many cases they are grown in soil that has been farmed excessively and are picked before their prime so they do not over ripen during transportation to market.
Vitamins and minerals may be lost during storage, preparation and cooking.

The purchasing and eating of less nutritious processed foods is common for many who do not have to shop and prepare meals from ‘scratch’.

During the busy week when we do cook, our meals may not be varied enough to offer a variety of nutrients.

We may not change our diet when we need to with age. As we age we need different nutritional supplementation as we digest and absorb certain vitamins and minerals differently.

Some nutrients are simply hard to obtain. For example, the Essential Fatty Acids (EFAs) available in Salmon oil capsules.

In general, there is a lack of education on nutritional health supplements, healthy food options and cooking.

In my particular case my wife was more at risk. Although, we did eat healthy meals we were not aware of the health benefits of supplements. Unfortunately, we were also dealing with a lot of stress at the time. Stress plays a large role in what nutrients you are using and absorbing in addition to the fact that the ‘knot-in-her stomach’ was inhibiting her appetite. Many women are more in need of herbal nutritional supplements or natural vitamin supplements simply because they consume fewer calories than men.As a result this lead to higher levels of stress and fatigue. Weak, she was prone to illness and mood swings. Hair loss, poor skin complexion and digestive system problems followed. It was a vicious circle leading to more stress and fatigue. It took a this extreme situation for us to realize the need for supplements for general health. A necessary solution for many to meet their daily nutritional needs is simply nutritional supplements whether its women’s health supplements or multi-vitamins, herbal nutritional supplements or natural vitamin supplements. The benefits are obvious;
Improved energy

Reduced frequency of mood swings

Less prone to fatigue and depression

More resilient to stress and illness.

Better overall health as we feel better mentally and physically.
Based upon my wife’s fatigue and illness, we had waited too long and she was in need of a nutritionist. In addition to joining a gym (which helped her appetite) my wife was recommended to take a few key women’s health supplements;
Salmon oil capsules because of the benefits of the Omega 3 Essential Fatty Acids. General good health, improves brain function even reduces the symptoms of PMS. It has also been shown to help anger, depression and stress.

A digestive health supplement; as we age and enter different stages of life our nutritional needs also change. Digestive health supplements may be required as our ability to digest certain foods changes with age. Some vitamins and minerals may be consumed very quickly others may not be absorbed into the body as readily. Lactose and gluten (found in wheat products) may be more difficult for our body to process as we age.

Multi-vitamins or a targeted multi-nutritional kit to promote general health with women’s specific needs in mind.
All these nutritional supplements were easy to find and even available on-line which works well with her busy schedule.My wife’s situation was an excellent example of how women are susceptible to the effects of poor nutrition. She has demonstrated the benefits of total nutrition via nutritional supplements and a healthy diet. Today, she is healthy and living a physically active lifestyle. I am grateful that she is such a wonderful role model to our daughters and others who may also be in need of nutritional health supplements and a better, balanced life.For more information on nutritional supplements, general nutrition, physical activity and stress management please visit www.bamboohealthproducts.com