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Benefits of Working On The Front-line in Canada: Lessons From My First Job

As a double immigrant who worked his way through high school and university, I am a big believer in the lifelong benefits of working on the front line, early in life. My first job was an eye opener to say the least.

As a double immigrant who worked his way through high school and university, I am a big believer in the lifelong benefits of working on the front line. My first job was in frontline customer service at age 16 for Canada’s largest sports store chain, Collegiate Sports (now Sport Chek), in a flagship mall in Toronto. I started as a salesclerk selling shoes, retail apparel, ski equipment, and stringing tennis racquets.

As a student athlete, I was fortunate to work in a large sports department store situated in a multicultural city and to serve all kinds of people across various ages and income groups.

Our customers ranged from consummate “old stock Canadian” athletes, who were fanatical about every detail when ordering custom equipment, to wide-eyed gullible immigrants whose children were seeking to learn a new sport like ice hockey or snowboarding. It was a fast paced atmosphere with dense traffic in the evenings and buzzing with energy on the weekends like a casino hotel on the Las Vegas strip.

It was also a very demanding job because it required being on your feet for 8 hours per shift and being constantly “switched on” to anticipate customer needs. Employees engaged in their first front line customer service role developed emotional intelligence through hundreds of daily interactions with customers. Over time, I learned how to read customers’ non-verbal facial expressions and body language, which varied widely by their ethnicities, stage of life, and other factors.

The job required meticulous knowledge of every major sporting activity, current and incoming inventory, and prices for disparate product lines and brands while also including labor intensive tasks such as tagging the products, stocking the shelves, and cleaning the store after hours. Determining the best allocation of shelf space was a key decision. There were no “smart technologies” such as sensors, cameras, big data, and analytics used by retailers today to manage inventories and shelf-space. Hence arranging the optimal product assortment on the floor to generate traffic was an essential part of the job that required teamwork and an entrepreneurial mindset of experimentation through trial and error.

The store manager was a flamboyant French-Canadian named Guy who was a die-hard Montreal Canadiens fan with a profound sense of humor.

Typical of 1980s Toronto, the staff was composed of up-and-comers, including many Asian, European, and Caribbean immigrants. Guy was great at motivating staff, casting people in the right departments, creating internal sales contests, and holding us accountable. He had a keen eye for talent and was adept at identifying and investing in adaptive learners who could conquer a multifaceted department such as ski equipment or hockey skates by efficiently conveying product knowledge to outsell others.

Guy’s greatest skill was building an informal talent marketplace to grow the business in one of the world’s most diverse cities. He understood that a high performing diverse team of employees who felt like the store was their own business would not just generate loyal customers but grow the sports retail business by engaging new communities. Under his leadership, the store became an incredibly diverse meritocracy of over 500 full time and part time employees: Caribbean kids rose from selling track shoes to managing winter sports and Asian women ascended from selling apparel to assistant manager roles overseeing budgets and purchasing. I remember training a Jamaican immigrant, who happened to be the best sprinter in Toronto, how to string tennis racquets at optimal tensions depending on the player’s style, and she taught me about the subtle differences in track and field spikes depending on specific events and surfaces.

Like any store environment, it was not always pleasant. When the store missed its numbers by a wide margin, Guy scolded us for not being sufficiently productive.

He would curse at us with Quebecois nouns, poke fun at our beloved Toronto Maple Leafs, and if revenues were under budget, walk us back to his office which doubled as “banc des pénalités” (“penalty box”). His diminutive office was adjacent to the boisterous warehouse receiving truck shipments, welding, and assembling equipment. Here Guy would shout out the disappointing financial results and present the dormant inventory and the blue-collar workers whose strenuous labor made it possible for us to sell these products on the floor. He reminded us that even the most talented players end up in the penalty box and cost their team when they fail to play together and trust their teammates.

Over the course of four years, this job taught me three things I would use in the rest of my career: First, the benefits of building a high-performing team of diverse colleagues who could teach each other through an apprenticeship model rather than formal training; second, how professional development is accelerated by highly demanding customers who make purchase decisions in a matter of seconds; and third, how the real world has a magical way of revealing where your greatest talents reside, even if it contradicts what your teachers and test scores suggest are your perceived strengths.

In my last year on the job, Guy got promoted to regional VP overseeing 100 stores in Eastern Canada.

Still, he sought me out once every few months. In our last few meetings, he expressed his gratitude that I helped recruit tens of what he called “gens talentueux” or highly talented and diverse employees – mostly high school athletes and musicians – that drew waves of new customers into his stores and grew the business. The last few times we met, Guy tried to persuade me to become a store manager and retail executive like he was. As an Asian immigrant with Ivy League dreams, I was not ready to take the store manager career path.

However, years later after graduate school and a stint in management consulting, I joined the hospitality industry where I was able to harness this cross-cultural competence to achieve breakthrough results. And when I became an operating executive and eventually a hospitality CEO, it made an even bigger difference. Thanks to years on the front line, I was able to swiftly unearth customer needs, connect deeply with front line employees and build collaborative cross-cultural teams. My front line experience was most helpful in relating to employees in emerging markets such as Shanghai where I had no prior work experience, did not speak the language, and had to motivate migrant workers, mostly mothers living apart from their children.

It was my years serving on the frontline in retail, sports, and healthcare that taught me to how to collaborate with colleagues, look customers in the eye and resolve their complaints, form teams to solve thorny problems, and meet the litmus test of becoming a leader by identifying and developing other people’s talents.

Service industries are not just the largest employers: they are engines of human development for communities, cities, countries, and entire civilizations. From the United States to China and Saudi Arabia, business, and government leaders “get it” and are investing billions to rebuild human capital in hospitality centric service industries after the pandemic. These diverse stakeholders recognize the critical role of service industries in rebuilding their countries, diversifying their economies, and facilitating meritocracy for domestic and foreign employees of all ages, races, ethnicities, and genders.

Surprisingly, their efforts are increasingly lost on the workforce. Instead, a talent disruption, powered by innovative technologies such as generative AI, changing attitudes towards work-life balance, and a growing mistrust of capitalism and governments is changing the equation. Millions of Gen Xers and Millennials are choosing the gig economy or hybrid jobs where they can effortlessly circumvent human interaction and avoid the discomfort of face-to-face conflicts. Groundbreaking technologies such as generative AI may accelerate this talent disruption, further distancing employees and contract workers and hence brands from their customers.

Consequently, brands that achieved differentiation through personalized service may suffer from commoditization. What is more troubling are the long-term career development implications for individuals, especially Gen Xers and Millennials who are set to become the next generation of service managers and grew up performing these gig economy jobs.

Driving around town and leaving bags at a front door with pictures, communicating via text confirmations, and receiving tips based on algorithms is not an equivalent experience to being on the frontline in a service operation.

It may provide contractors with flexibility and income, but it comes at the cost of a lack of learning and customer contact that will serve to stunt their professional growth. What is the solution here? Given this historic talent disruption, what is the path forward for business and government leaders in industries such as hospitality, retail, and healthcare that are experiencing long-term labor shortages and growing unionization? Should employers, including entrepreneurs such as franchisees, increase their investments in acquiring, developing, and compensating talents? Or should they invest in AI and other technologies to automate and reduce their investments in building human capital? What other alternatives, if any, exist?

My first job was in a sporting goods store.

Sweaty Rocks Activewear For Women Are Ideal For Summer

Summer has arrived and with that mind, here is a new and interesting fashion find from our friends at Amazon.com.

The Sweaty Rocks clothing line is composed of high-tech performance fabrics, that feel luxurious and look amazing, and make their activewear clothing a must-have.

“I found the fit to be more generous. It looked great on the model.. on me. This dress is extremely flattering and the lightweight material drapes beautifully on your body making you feel so feminine. ” Kerry Delgado

“It is a must have in every closet. You can wear it with anything! Some of them are very bulky. This one is cut right to give you a nice fitted shape. This one fits right and looks great. The material is soft and shiny It has extra buckles on the sides to give you that badass biker look and it zips all the way up. This one is not only a great quality but also great price.” Nancy Brewer

7 Serious Tips for Better Bookkeeping in Canada

Bookkeeping is tedious for most business owners unless you are a seasoned accountant or a fan of working with numbers. That is because businesses have a lot of financial details that need to be recorded, for instance, which supplier should be paid, outstanding customers, equipment to buy, significant purchases to make, and more. Without an accounting and bookkeeping system, you may lose essential business data, miss important goals, or make uninformed decisions that may affect your company’s finances.

Proper money-handling strategies are integral in any business as it helps you keep track of your long-term goals, improve your profits, and streamline seasonal cash flow changes. In addition, it will help your business stay out of trouble with the Internal Revenue Service or IRS.

By adopting good bookkeeping habits, you can avoid costly errors when it comes to record keeping. You can opt to have an in-house team to handle all your bookkeeping services, but this can be un-economical for small business owners. To save on cost, you can work with a bookkeeping agency, which often offers professional online and virtual services in Canada at very fair rates.

Here are seven tips for better bookkeeping for businesses in Canada.

Separate Your Business and Personal Finances

If you are a sole business owner, you should learn to separate your personal and business accounts. This will help you maintain records of every business and personal spending and help you keep the boundary to alleviate eating into the business growth finances.

For limited liability companies, the business is a separate entity from you, and your finances should be kept separate. That means you need to know which assets belong to the business and which are yours. By eliminating all personal transactions from the business accounts, you will lower the number of transactions the bookkeeper needs to categorize and reconcile. Additionally, your tax preparation and filing process will be seamless. You can find a bookkeeper in Canada to help you separate your accounts and provide outsourced business and personal bookkeeping services.

Control Your Business Credit

One of the common signs of an insolvent business is the inability to make payments promptly. The company may need better credit scores, lack of funding, or challenges in fulfilling its working capital needs.

When your business depends on bank financing to fund everyday operations, you will need help to pay back your high-interest debt. Therefore, you need to do due diligence before taking external funding.

You should set strict deadlines for your clients to pay what they owe and consider blocklisting repeat offenders that are taking advantage of you. Eliminate any late payments, as it is just like an interest-free loan. Your business may quickly become a cash-flow crisis if you lack rigorous credit control.

Track Business Expenses

Business expenses may be claimed against tax; therefore, tracking them is crucial if you want to cut overhead and maintain a healthy cash flow. You should always use a business credit card and keep records of expenses based on business activity.

Categorizing your expenses can be crucial, especially when your business is undergoing an CRA audit. The numbers on tax returns are often estimates, and these records help offer supporting evidence. Always remember that even trivial expenses will add up, and having records of everything can be helpful in the long run.

Overspending negatively affects any business; hence, keeping track of your expenses will ensure you track all your expenditures. Always remember that every dollar that you spend takes the business one step away from making a profit. Therefore, when running a business, keep a close watch on all your expenses, understand the benefit you gain from each expense, and document everything carefully. With outsourced online bookkeeping services, you can keep track of all your business expenses and maintain good records.

Schedule Routine Bookkeeping Times

As a business owner, you are handling many things at once, which can eat into the time you can use to monitor your financial record books.

The best way to keep your accounts is by consistently scheduling times to balance your books or working with a bookkeeping company in Canada. You can set aside time when your credit card statement is due and check through your monthly transactions to ensure everything is accurate. Although this task will take about one or two hours, it will simplify your life during the tax season by making tax preparation and filing much more effortless.

Create Budgets For Your Expenses And Set Financial Goals

Planning for business expenses, especially significant purchases, can help you best utilize your business resources and credit while giving you the peace of mind you need. Setting up and reviewing business budgets is directly related to the success of your business.

According to research, small businesses that regularly review their budgets on a weekly, monthly, and annual basis have success rates of 95%, 75%, and 25%, respectively. Therefore, if you want your business to succeed, you must have relatively high unused credit balances. In addition, you should also ensure your budget is monitored regularly, understand the benefits of using credit for your company, and be able to earmark the right amount of business payroll expenses.

Automate Manual Processes

One of the best accounting tips for growing businesses and start-ups is automating routine bookkeeping. Most accounting and bookkeeping activities are repetitive, and automating them will make your work easier and seamless.

Some repetitive bookkeeping processes you can automate include paying employees’ salaries monthly, following up on late invoices, and tracking invoices you send to customers. In addition, you can also automate the calculation of mileage payments for employee reimbursements and document utility bills in a central database.

Business owners can make life much easier by utilizing unified accounting project management solutions to help track expenses, automatically send invoices, and generate customized reports.

Consider Hiring a Tax Accountant

Investing in a seasoned tax accountant near me can be valuable for your business, even if the professional commits just a few hours every week or month to work on your small business bookkeeping and accounting needs.

A certified bookkeeper will record income and expenses and categorize them for a specified period. Conversely, a chartered accountant will help file your business taxes and set up your business’s accounting backbone. A reputable bookkeeping company will have certified tax consultants near me ready to assist you.

With an expert bookkeeper or chartered accountant handling all financial tasks, business owners can focus entirely on their business to attract customers and satisfy existing clients. They can also develop new products and services and grow their business.

Final Thoughts

Bookkeeping is a necessary evil that businesses cannot escape because almost everything depends on it. With an accurate and robust accounting system, you will get information about the business’s cash flow, performance, and financial condition, and it will help you make informed financial decisions. With the tips mentioned above in mind, you can ensure your small business bookkeeping records are available and can make better decisions for your business. You can also eliminate the headache of bookkeeping by outsourcing this function to a certified bookkeeper to help you out. Having a safe pair of skilled hands providing bookkeeping services for small businesses will give you, as the business owner, the confidence and freedom to lead from the front by focusing more on growing your business.

Amazing Things Happen After Using Coupons For One Year

I was doing a bit of ‘specific purpose’ shopping at a local grocery store to pick up some of their No Name Yogurt. I buy this all the time and use it mixed with fruit, or when making a smoothie with yogurt, milk and berries.

It is worth noting, that some consumers remain staunchly brand-loyal and even brand-dependent.

They believe that no-name products are ‘not as good’ as the brand name products that they favor. In reality many no-name brands are manufactured using the same ingredients and at the same factory as the brand product, the only difference being the price and the look of the label. That being said, I’m not ready to trade in my Heinz ketchup for the no-name brand….but Aylmer is a close second. Can you taste the difference?

From the urban dictionary. www.urbandictionary.com

As I was about to take several tubs (5) off the shelf, I noticed a pad of tear-off coupons right above the yogurt. They were for $1.00 (Cdn) off each tub of No Name Yogurt that you purchased. Since I had 5 tubs in my tote basket, I peeled off 5 coupons. When I got to the check-out, I put the coupons on each tub and the cashier deducted $5.00 off my bill. The regular cost was $1.97 a tub, which would have made the total cost $9.85. I paid $4.85. I was very, very happy. I got the yogurt that I intended to buy, and I got a bargain. Also the empty tubs can be put in recycling bins, or used as food-savers for leftovers.

 The ‘no-name’ brand Loblaws Canada use bright black on yellow packaging.

A friend of mine, Ken, who worked in the food  industry, once told me, “Coupons are an easy way for customers to save money. The store does not loose any money, the coupons go right back to the company.”

A few years back, I decided to see if coupons did save me money. Each week I went through the newspapers, magazines, online site and store coupons I had collected as well as free coupon bins in their stores. These bins are there for customers who don’t want to use their coupons, but throw them in a bin so that other customers strolling by can scoop up whatever they want to use. I used an old duo tang notebook to record my savings, a ruler, line paper, and a pen. I drew lines across the page. I also drew lines vertically down the page for categories.

The first category was NUMBER, and then ITEM PURCHASED, then COUPON PRICE, and lastly PRICE TOTAL. I found an old, very large mayonnaise jar with a lid (the kind they used in restaurants that buy in large quantities). I put a slot in the top of the lid so that it was more convenient to drop coins into the jar rather than unscrewing the cap each time.

I labeled the jar, “Coupon Money.” Every time I went to the store and used a coupon, I put the actual money I saved into the jar. It may have been only 35 cents, or 50 cents. Then I recorded the information in my duo-tang.

I decided to do this project for one year. I started in February. I never told anyone what I was doing. If my wife used a coupon, she also added the money to the jar, and recorded the information. Never did I use the proceeds from the jar during the year, but I was tempted many times. Over the months of the year, I took the change that was accumulating and transferred it into bills, starting with $5.00, then $10.00, then $20.00 bills. The idea was to use coupons on products that I normally purchased, not to get 50 cents off a product I wouldn’t normally buy.

I was very diligent with my project that year. It was kind of a game made especially fun when I would get the jar out and look with envy at all the bills stuffed in there.

As the year anniversary was approaching, my wife started telling people about the “Coupon Project.” I heard comments like, “How silly.” “Why would you want to waste your time doing that?” “When I get coupons I throw them out.” “You won’t make any savings on them.” But at the end of the year, the jar contained $520.00. As it turned out, we needed a new couch. We purchased a brand new bed-chesterfield, including delivery, for $500.00

A week later, two friends who had thought that my “Coupon Project” was nonsense, remarked on how beautiful and expensive our couch looked. They asked, “How did you afford to buy such a beautiful couch?” I replied proudly, “coupons.” For the Silo, Blair R. Yager. 

How To Setup A Low Budget Home Gym

Back in college, I used to be very fit.

I swam three times a week, ran a few miles every other day and on weekends, I would bike with friends. There was not an ounce of fat in my body. But as years passed, I became too busy with work and eventually with raising a family that exercise became less important and I didn’t bother going to the gym. It came to a point when I saw myself in the mirror and hardly recognized my own body. In a span of 14 years, I gained over a hundred pounds. Plus Minus 100 Pounds Man ExampleI realized I needed to do something about it and fast. So I browsed the best online shopping sites looking for affordable gym equipment that I could just set up at home. I can’t go to a gym because, well…… Covid duh! Plus  I can only workout in the wee hours of the morning when everyone else in my home is still fast asleep.

Start Cheap

Many of my friends made the mistake of investing in equipment that cost over a thousand dollars and ended up not using them anyway. The truth of the matter is that it’s very possible to create a home gym for very little money. In doing so, you won’t be wasting money in case you find yourself not using your home gym and if you do decide to fully commit yourself to a healthy and active lifestyle then you can always upgrade your equipment and machines in the future.

The following are the most essential things you’ll need:

1. Private Space

It’s difficult to work out when you have screaming kids running around you. Ideally, pick a room with a door so that you can exercise uninterrupted.

2. Full-Length Mirror

Being able to see yourself working out is a great motivator and it’s also a good way to check your form and technique. You can buy a full-length mirror for around $20 – $30.

3. Weights

Every home gym should have a set of dumbbells. For women, start with 5, 10 and 15 lbs. Men should use heavier weights. Or you can get an adjustable dumbbell that will enable you to add or swap weights easily.

Okay some old school equip has seen it's day but don't dismiss all vintage gym gear!
Okay some old school equip has seen it’s day but don’t dismiss all vintage gym gear!

4. Stability Ball

Old school trainers would never recommend the use of a stability ball but it’s actually very popular among fitness experts today. With a stability ball, you can improve your core strength and balance. Besides, there are many exercises you can do with this ball – body bridges, squats, crunches, hamstring curls, and others.

5. Resistance Bands

These bands are very versatile despite looking plain and simple. You can strap it to a door, bench or table to do squats, chest presses, and lat pull-downs, to name a few.

6. Cardio

You can get a skipping rope so that you can do cardio exercises in your home gym. Or you can just go outside to run, jog or walk. Cardio exercises are essential to help your body burn fat faster. For the Silo, Dimitry Karloff.

Supplemental– Looking for some examples of cool home gyms on a budget?

4 Ways To Fortify Your Marriage & Manage Your Differences

Marriage is a complex, ever-evolving relationship that challenges partners to remain active in their efforts to maintain the relationship.  While the components of a healthy relationship – passion, commitment and intimacy – may seem abstract, I have found specific actions through my practice as a clinical psychologist and marriage and family therapist that couples can do to prioritize their relationship and make it last.

Continue or learn to communicate well. We all know to be polite to our bosses at work or strangers we meet, but it is often with those we are closest to that we slip into unhealthy habits of disrespect or inattentive listening. Most likely, at the point in your relationship when you plan to get married, you feel close and communicate well with your partner. It is over time that partners become busier, more distracted or simply make fewer efforts to communicate respectfully and openly with their spouses. But communication is a critical component to a healthy marriage. Couples must schedule time to check in with each other weekly. This “weekly check-in” may seem less necessary in the early years of marriage, but you will appreciate the habit later when work hours become longer and kids enter the picture. Use this time to coordinate schedules, check in about any issues in the relationship, and take time for each other away from technological distractions (that means no phones or TV in the background).

Create a budget agreement. One of the most common areas of newlywed conflict is managing a joint budget. Even if you cohabitate with your partner before marriage, it is unlikely that you pooled all of your resources, and there is a lack of education about shared budgets. But money is important for your personal and relational well-being. Talk with your partner about your financial goals and concerns. Your spouse should be an equal partner in financial decisions. It is helpful for partners to regularly check in with each other about financial changes and decisions (you can easily incorporate this into your weekly check-ins). I advise couples to set a monthly personal budget – say $500 – that each partner can spend on individual expenses without consulting the other. If a partner wants to make a purchase that goes above the agreed-upon amount, he or she should wait until the other partner is consulted and agrees. By forming healthy spending habits and open communication about finances, partners can avoid one of the most common areas of marital conflict and feel closer as equals.

Share responsibility for maintaining intimacy. In the early years of a relationship, intimacy seems to come naturally, so many partners take for granted the importance of actively maintaining a sense of emotional connection. This is not the responsibility of one partner, but a requirement that both spouses maintain an interest in fostering intimacy and keeping tabs on ways the other partner wishes to feel loved and cared for (because this does vary from person to person and over time). Date nights are a simple way to establish time to reconnect during a busy week, and they are essential in the early years of marriage and beyond. Take turns planning an evening for each other, and do not get trapped in thinking it has to be extravagant. If your lives are incredibly busy that week, find a time to relax at home or try to cook a new meal together.

Remember that human beings like novelty, so be willing to try new things together.

Never be afraid to manage your differences. If I had to pick one major takeaway for couples considering marriage, it is to ensure that you are able to tell your partner when you are upset with him or her. That way your partner stands a chance of trying to fix the problem. Without this, resentment takes root and will continue to grow over time until it is addressed. This is so important because resentment often underlies any deficit in the previous points I made. It may sound basic, but it is often difficult for partners to place themselves in a vulnerable position where they can voice their concerns about the person closest to them. For couples to manage resentment, it is essential that partners create a safe conversational space where each can be heard and listen without feeling defensive or attacked. It is inevitable that you will have a different perspective than your partner at some point – whether regarding the family budget, division of household labor, or even the right way to show intimacy. Use any and every opportunity in the early years of marriage to practice talking with each other when one partner is upset with the other. Skills such as empathy, active listening and managing anger and frustration can be learned and need to be regularly utilized in couple conversation.  For the Silo, Dr. Anne Brennan Malec.

Dr Anne Malec

Ultimate Recycling And Ultimate Decorating From Curbside Shopping

Decorating with a mix of new and found/retrieved objects image: shelterpop.com

Forty-three years ago, a couple of kids with no money stood in front of a minister and said, “I do.” We needed household furnishings to set up for our first apartment together. We only had one part-time job, no credit card, no line of credit, and no Mommy and Daddy bank. This forced us to be very resourceful. Think…..curbside shopping for example.

My wife and I came from accounting backgrounds.

The mind and the ways of the accountants are very different from that of our friends’ parents. Going to the store to purchase a Popsicle at the age of seven was different than other families. When I got home from the store, my Dad would ask “Where’s the receipt?” This was my conditioning; my way of life. Money was not to be wasted. When added to our poor economic conditions, we had to become very resourceful. Being in debt when we got married was not an option. Luckily the woman I married was also schooled in the same mantra of no debt.

As a city dweller, I had advantages.

Every garbage day homeowners could put out furniture, boxes of used dishes, and other unwanted items they didn’t use or need. I thought it was wasteful and unnecessary that these items went to the dump; a nicer term for landfill site. Our engagement turned out to be a year and a half long, so this gave us plenty of time to collect items for our first apartment. I called this CURBSIDE SHOPPING. My fiancée and I at the time did not have a car so we walked, rode our bicycles or took the bus. As we walked up and down the streets, my fiancée and I discussed our future together, buying house wares, and setting up a home together. On the occasion that we were lucky to have a ride, I always had my eyes peeled for “free bargains.”

I recall on one occasion when we would be traveling around town with our friends that had a car, I suddenly yelled out, “STOP!” There at the curbside was a solid side chair with a bag of garbage on the seat. “Back up,” I demanded. “What for?” said the driver. “I saw a chair,” I quickly replied.

“I’m not stopping for a dirty old chair.” was the reply.

“Then let me out,” I demanded. The driver backed up about three or four houses away. I got out and examined my new find. The chair looked much neglected and had a small slanted back with right and left arms that curved around to the front. The horizontal spindle of the right arm had broken off. The upholstery on the seat was ripped and of the dark brown type of material that feels like a hairbrush if you sit on it. I saw potential. I loaded it into our friend’s car and we sped off. My future in-laws basement had became our storage area #1 for our new found treasures.

Another time my fiancée and I were out on garbage night browsing, when I spotted a large wooden spool. This was the kind of spool that the hydro company had left behind when they were replacing overhead wiring. It was made of rough, hardwood, loaded with knots, but very solid. After using some of my father’s left over stain, and then a liquid varathane, the spool was transformed into a spectacular coffee table. Soon, the curbside treasures brought back to our #1 storage area, was starting to fill up. This prompted us to expand to storage area #2 in my parent’s basement.

Curbside finds bring many unlikely but useful items into your household.

I found a box of material that had upholstery weight and light textile weight fabrics as well as sewing notions. I had acquired an old bundle buggy for a carrier to transport my finds.

(You guessed it; it was free at the curb) When I got home and went through the box of materials, on the bottom were several women’s long evening gowns from many years gone by. In our first apartment, my wife and I used this flowing gown material as drapes. We had stylish and elegant green taffeta window coverings for one set of windows. Another long gown, we used the material to reupholster four dining room chairs in gold velvet. The last gown material of blue velvet was used for the chair which I had taken both arms off and reconditioned as a beautiful, armless side chair. The cost was zero.

If you can wrap a gift, then you can upholster a chair!

You get all kinds of “great stuff” at the curbside. I found out that what people throw out can be very unique and sometimes bizarre. On one of my free shopping trips, I found a box of new, sealed, unopened jars of poultry seasoning. 144 jars to exact. I scooped these jars up so that they could be used as “traders” in the future. My traders brought me a new blender.
As the storage areas #1 and #2 filled up, my fiancées parents wanted us to start our new life with a “new couch” for our first apartment. They gave us $200 cash which at the time was a lot of money and could purchase a very plush stylish piece of furniture.

We walked downtown with money in hand to pick up our first piece of new furniture together. We thought we were rich! Fortunately for us, and unfortunately for the parents, we passed a second-hand shop at the first intersection. I spied two blocks before we went in the store an old chair that had been put outside the store on the curb. Inside the store window was a very old loveseat (Queen Anne style I was told) with all 35 of the springs almost touching the floor. The store wanted $25.00 for the item. It was a real hardship for me to part with the money that we had in our hands, but we knew the loveseat could be transformed. We bought the loveseat, and also took the old chair at the curb. From the $200.00 cash, we had $175.00 left which we used to buy a new bed and box spring. The rest of the items in our apartment including lamps, tables, carpets, pots and pans, kitchen accessories, pictures, bedroom furniture, kitchen table and chairs, were all found free at the curbside.

Hats off to my wonderful father-in-law who many a time was called to bring his car to transport a second-hand loveseat and chair, or other curbside shopping items to our storage areas in our parent’s homes. This “father” never asked me for a receipt. For the Silo, Blair R. Yager

Supplemental- Garbagefinds.com

Fearlessly Stream Your Fave Tunes With Everything Proof Speaker From Yatra

Summer is the prime time for family and friends to gather around the pool and celebrate the warmer weather. And what is a good party without the latest summer hits? Pump up the party with the perfect summer companion; Yatra Aquatune 9612 speaker.

Many speakers are too quiet, don’t have much battery life, and can be damaged in the sun, sand and sea. Leave your worries behind – Yatra has got you covered!

The Yatra Aquatune 9612 is the perfect pool party companion. This 9 watt, high performance speaker perfectly projects your favorite music while providing durable, compact entertainment. The speaker is not only sleek and stylish but also waterproof, weatherproof, shockproof, and dustproof, meaning you won’t have to worry about sand clogging the speakers or damage if it gets tossed in the waves. Fearlessly stream your favorite tunes with Yatra, enjoying the sun, sand and summer with your favorite songs at hand.

The Aquatune 9612 will be the life of the party and every beach day go-to. Jam to your favorite tunes, loud and proud with Yatra.

On a tight budget? The Model 5712 Aquatune is a great option.

To view the full line of Aquatune speakers and other Yatra products please visit www.shopyatra.com.

For the Silo, Katie Lapinski.

Explore The World This Summer Via 12 Trendy Family Homes From HomeExchange

Traveling with kids can be challenging, especially when restricted by a tight budget. As families begin to reevaluate their own homes and hometowns, they are discovering that what they once took for granted can be a huge destination for someone else. Providing travelers with the additional comfort of bedrooms for each family member, a kitchen, garden, pool, toys, bikes and more, a family home away from home can be the perfect base camp to explore a region.

The list below includes 12 family-friendly homes available this summer for families looking to discover the world via HomeExchange:

USA – Colorado – Evergreen

Nestled in the foothills of the Colorado Rockies, this beautiful home is within driving distance of Denver, ski mountains, and Evergreen Lake which is best known for its all-season recreational activities such as boating, fishing, and birding. Bordered by mountain parks with miles of trails for hiking, biking and horseback riding, the home is equipped with bunk beds, toys, and video games for young children. A Jeep Wrangler and a Kia Sorento are also available for exchange.

Thailand – Phuket

The ultimate in discreet luxury and privacy, this villa comes outfitted with an ocean-facing spa and “concierge.” Overlooking Surin Beach, and only a few steps from two of Phuket’s top beaches, families can enjoy picturesque sunset views over the Andaman Sea in between horse and elephant rides.

Mexico – Manzanillo

Outfitted with a vast collection of Mexican folk art, this Mexican style three-bedroom home overlooks the Pacific Ocean. Miles of beaches with balmy ocean breezes and warm water year-round, Manzanillo is widely known as the sea fishing capital of the world. The house is about two miles from the great beach of Santiago Bay where house guests will be treated to a beach club membership.

France – Seignosse

This large Basque Landes-style house is located right on the beach. The five bedroom home boasts several terraces and is located less than two miles from the seaside town of Hossegor. The area is internationally renowned for its Atlantic surf spots and gastronomy, as well as golfing, surfing, and cycling.

USA – California – Santa Monica

Vibrant both inside and out, this ocean view four-bedroom house is full of light. Situated in a quiet neighborhood of Santa Monica, families will have easy access to shopping, restaurants, bike paths, and the beach. For families looking to venture further into the state of California, a Ford Expedition that can fit up to eight passengers is included in the exchange!

United Kingdom – London

Nestled on a quiet residential road in the middle of East London, this spacious Victorian family home has a lovely garden and plenty of toys for children. The vibrant neighborhood is only a bus ride or train away from Central London.

Australia – Kingscliff

Beachfront luxury on the magical Gold Coast, one hour from Brisbane City. With miles of beach, bicycle tracks, and local restaurants within a two-minute walk, this home is a perfect holiday for families.

Canada – West Vancouver

This waterfront seven bedroom villa with beach access, a private deck, spacious swimming pool, boats, and three cars are all located within a half hour drive from downtown Vancouver and mere minutes from parks, mountains, shopping, and restaurants.

Costa Rica – Puntarenas

This literal treehouse is situated in the canopy of the jungle that National Geographic called “the most bio-diverse place on earth.” This home is the perfect respite after a day of ziplining, swimming, waterfall hiking, and bird watching. Providing a true sense of adventure and an off-the-grid feel, this abode is free of televisions, hair dryers, and internet access.

Ireland – Stradbally

A kid-friendly home located one-hour away from Dublin, this modern home comes with a separate nanny studio in the garden, swings, slide, playroom, and lots of toys and bicycles. Nearby historic castles, beautiful woodlands, an equestrian center in Stradbally, a fishing lake and a championship golf course designed by golf legend Steve Ballesteros make this a must-stay neighborhood.

South Africa – Cape Town

This golf course estate boasting breathtaking views of Table Mountain and modern architect is only 15 minutes away from the city center. With direct beach access to Sunset Beach, the internationally-renowned windsurfing and kitesurfing hotspot of Africa, families will not have to venture far to create lifelong memories.

USA – New York – Montauk

Located directly across the street from the ocean, Montauk represents a classic and relaxed old American lifestyle. For those looking to juxtapose their stay with a trip to the bustling city of New York, several means of transport are available to get to Manhattan. Travelers can also opt for a seaplane for a quick forty-five-minute flight into the city.

For the Silo, Alexandra Origet du Cluzeau.
About HomeExchange  Founded by Ed Kushins, a pioneer of the “collaborative consumption” movement, HomeExchange has facilitated over one million home swaps since 1992. “It was the inspiration for the still popular 2006 movie “The Holiday” starring Cameron Diaz, Kate Winslet and Jude Law. In 2016, 67,000 HomeExchange members made 135,000 home swaps across 150 countries. HomeExchange makes it easy to plan and enjoy a home exchange vacation and offers travelers a memorable, authentic experience. Last year, it was awarded “Best Site for Booking Your Stay” by USA Today readers.