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.

Succession Development and the Independent Business Owner

As a third generation independent business owner, I have lived through, and seen how sad it is when business owners retire with little to show for their lifetime of efforts. The statistics are not great either, approximately ****94% of Australians retire with little or no self-derived income and require Government assistance to survive.In my opinion we have been sold a bit of a lemon with regards to superannuation with most Australians thinking that simply paying into a super fund will guarantee a great retirement income and lifestyle. The facts are that for Australian women our superannuation falls grossly short of what is needed and whilst the average Australian male has approximately double that of the women in Super, it is nowhere near enough to survive on. As we are living longer, we can spend almost a third of our lives in retirement. Just doing some simple maths will show if you have enough. But Australia we have been sold that by putting money into Superannuation that we will be all right in the end. Here is the wakeup call; Superannuation alone is nowhere near enough for most of us to survive on without Government assistance.For the independent business owner, unfortunately, they pay themselves last and many don’t even have superannuation or if they do, they have not contributed for years. The Government regulations on business owners is so arduous that it is becoming harder and harder to put away anything for themselves.Many independent business owners spend their days completely occupied with gaining market share, hiring and keeping employees, motivating staff, beating the competition, to give succession development any thought. Strange how such highly motivated, intelligent and energetic people can avoid such an important planning issue to their business.For the independent business owner it is a somewhat daunting and complex process to address their working life coming to an end, and most dread tackling it, they would rather work well beyond their years than face succession development or retiring. Many business owners have not accumulated much super instead they have put it back in their business. However on retirement they often do not sell the business for enough to live on in the retirement years. I’ve worked with many independent business owners who become frustrated and bitter with their environment towards the end of their career, making their business an even less viable option for someone to take over. For the majority of these hard working, self-sacrificing Aussies, there is no gold watch, goodbye party or big deposit into their bank account to say well done for your years of toil.However, most successful succession development has only three simple steps.

Keep the succession plan simple

Stay realistic about goals

Measure the steps of the plan for succession outcomes
Whilst most information on succession development has to do with the handing over of the business or the duties to someone else, an exceptional Financial Advisor will look at succession development with a slightly different focus, one that addresses your end income revenue stream and lessening your financial burden, thus reducing the stress on the independent business owner when it comes to the best financial opportunities to selling or handing over the business.Here is an example of the difference between doing nothing and engaging a professional financial advisor. Lucy W is single, an independent business owner, and 54 years old. Lucy has estimated that she needs approximately $50,000 per annum to live on. Lucy has around $60,000 in her superannuation fund.( *The average superannuation for women is $41,000) Upon retirement at age 67, Lucy will have not even two years of income from her superannuation, and then have to rely on the Government for a pension of approximately $20,000 P/A. (**More than half Australian women have incomes of less than $30,000P/A) After meeting with a financial advisor and working out a blueprint, Lucy could attain a retirement income of $60,000 per annum by investing in premium properties, strategically selected for optimum returns.Lucy’s plan involved purchasing four properties within two years and waiting for the compounding capital growth and rental return to occur which will reach above her estimated income goal in year six, when she can retire at age 60 independent of age pensions. *** (77% of Australian women rely on age pension in retirement)Most self-structured property portfolios have no plans other than obtaining rental properties, with no strategic process, thinking that the accumulation of properties would create sufficient wealth or income alone. A good financial advisor will incorporate acquisition, management and exit strategies to achieve specific wealth or income goals.Lucy had also recently paid to attend a get rich quick seminar that suggested it was easy to buy real estate, subdivide, build, and you would get rich fast. Lucy had not costed the entire project, did not know about the difficulties of building and different types of building contracts, and what happens when costs blow out and did not know how to take all the risk out of the transaction. The reality is far different, and to be successful requires a great deal of expertise and knowledge to achieve positive and predictable results.After posing a few strategic questions to Lucy she became aware that she did not have anywhere near the required knowledge, time or skill to perform such high risk real estate developments. Instead she chose to engage a professionals future certain plan, which has underwritten advice, and strategies that simply work.Do nothing Professional Strategy Succession StrategyAge 54 54Home value $500,000 $500,000Superannuation $60,000 $60,000Retirement Age 60 $20,000 p/a $60,000 p/aRetirement Age 67 $20,000 p/a $120,000 p/aWith an approach that allows the independent business owner to be free of the concerns about future income, I’ve seen from experience how their performance and enthusiasm improves and they end up having a much better result with their succession development, and actually look forward to it. So a professional financial advisor will do the following for you;

Keep your plan simple;

Stay very realistic about goals;

Measure the steps of the plan for succession outcomes
The example used for this article was a client of FLAG Property Investment Services.

Simple Steps to Becoming a Great Pharmacy Technician

You see the news reports every day. You see the numerous infomercials on the exciting and rewarding career as a pharmacy technician. This career choice is in high demand. Yes you may go to your local drug store, fill out an application, and become a pharmacy tech in no time. Wrong!!! That is the easy way and it’s the less rewarding way to become a pharmacy technician. If you want to go from a pharmacy technician with no credibility to a great pharmacy tech where employers are knocking down your door, you need to follow these steps to achieve the much needed success you desire and deserve.We live in an era where litigation cases have doubled. If you want to protect yourself from these money hungry henchmen, you must educate yourself and stay current on every aspect of your career field. Becoming a pharmacy tech has many benefits, but it also comes with a boat load of responsibility. Over the years, I have seen many organizations formed to protect the consumers and patients from the careless behavior of many health care workers. In order to protect you and get the much needed credibility that you deserve, many states are requiring that an exam is passed to work behind the counter of a pharmacy. So starting off, step number one in becoming a great pharmacy technician is passing the National Pharmacy Technician Certification Exam.Passing the pharmacy technician certification exam places you in an elite group of individuals. You may now practice in states that previously wouldn’t even allow you to apply. This exam goes in depth about many areas of pharmacy. Passing the exam lets employers know that you are competent. There are many areas of pharmacy that you may venture into, but the actual exam covers topics from every area possible. Whether you are going to practice in a retail setting or go for the higher wage and practice in an institutional setting, the exam will cover topics in both areas. If you want to go from good to great, try getting some hands on experience.Passing the certification exam is a start, but I would go a step further and get some type of formal training. Passing an exam gives you the mental knowledge, but getting hands on training puts you in the line of fire. You get to “get your hands dirty” so to speak. I attended a junior college and completed my pharmacy technician training. I received a technical diploma for all my hard work and dedication. Not only did I receive my technical diploma, I got the best hands on training in the form of an externship. There are many training facilities that are forming. When making your decision, only consider schools that are accredited and recognized by the different pharmacy organizations. So you have your certification out the way, you took your formal training at an accredited school for pharmacy, now for the final piece of the puzzle.The final piece of the puzzle is staying up to date on your CE requirements. CE requirements or also known as continuing education credits are credits that Certified Pharmacy Technicians must complete in a timely manner in order to stay in good standing or remain Certified. These CE credits can take the form of online quizzes given by accredited organizations, or it can even be lectures and seminars that are given all across the country. Although these requirements can be completed in a short amount of time, they are normally packed with enormous amounts of information that will be beneficial to the pharmacy tech.So there you have it. Some basic steps to take that can have a huge impact on your career as a pharmacy technician. Don’t be your average pharmacy technician. Go above and beyond on what the everyday pharmacy technician does to get a paycheck. Stand out from the crowd and be different. Take the simple steps to advance your career. Doing this will allow you to reap huge rewards in the near future.