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.

Do you need to write a proposal to promote your financial services business to a prospective client? It doesn’t have to be an intimidating process. The goals for any business proposal are: introduce yourself, highlight your services and/or products, describe the costs, and convince the client that you are the right choice for the job or you are worthy of entrusting with their finances. To speed up the proposal writing process, you can use pre-designed templates and get ideas from sample proposals.Whether you are describing an accounting, payroll, insurance or broker service, opening a franchise or even asking for funding to start up or expand your business, the proposal structure will be similar. Here’s the basic structure to follow: introduce yourself, then summarize the prospective client’s needs, describe your services and costs, and finally, provide information about your organization, your credentials, and your capabilities.For a financial services business, you will also need to include some detailed information about your services or products that are of interest to the specific client. For example, an accounting firm might need to include a range of options based on the size of the client’s business (services for a one-person firm will differ from services for a 10-person firm if you are also doing things like payroll services). An insurance broker might need to explain different kinds of policies for a wide variety of situations.Always keep in mind that the purpose of a proposal is to persuade your potential clients to give you their business or manage their hard-earned money. You must prove that you can deliver the products or services they need. A simple price list can never substitute for a real proposal.Proposals should be targeted to a specific client. This means you need to gather information about your client so that you can present a proposal tailored to that individual client’s needs. It’s never a good idea to send all prospective clients the same sales letter. Clients are much more likely to accept a proposal tailored just for them.So, let’s get back to the order described above. Start your proposal with a Cover Letter and a Title Page. The Cover Letter should deliver a brief personal introduction and contain your company contact information. The Title Page is just what it sounds like: the name of your specific proposal (for example, “Accounting and Payroll Services,” “Prepare for Financial Freedom,” “Insurance Policy Options for Westbridge, LLC.,” or “Refinancing Your Mortgage”).After the introduction section, add topics that describe the needs of your client. If you are presenting a proposal for a detailed suite of services, you may need to write a summary to precede the detail pages. In a proposal for a corporate client, this is normally called an Executive Summary. For a less formal but still complex proposal, it’s more often called a Client Summary. In this summary and the following detail pages, you should demonstrate your understanding of the client’s needs, goals, and desires, as well as discussing any disclaimers or risks that need to be disclosed. This section should be all about the client.Next is your chance to advertise yourself. Follow your introduction section and the client section with pages that describe what you are offering. These pages might have general headings like Services Provided, Policies, Benefits, Services Cost Summary, and Product Cost Summary as well as more specific pages that detail the products and/or services you can provide and explain the associated costs.Your specific business will determine the specialized topics and pages you need to include in your proposal.An accounting and payroll service might need to include pages with titles like Specialization (to highlight a specific niche you excel in), Services Provided, Accounting, Reporting, Taxes, Project Management, Administration, Auditing, Options, Cost Summary, Policies, Billing, as well as Contract and Terms pages.An insurance broker may include topics such as Needs Analysis, Client Background, Insurance, Coverage, Policies, Risk Analysis, Recommendations, Comparison Chart, and Options, in addition to the standard services topics. Since proposals in some areas may be binding with the contract, make sure any limitations, coverage exclusions and time limits are covered in your disclaimers, and consult your local attorney to ensure your proposals and contracts conform to local laws.A finance company may include topics such as Financing, Repayment Plan, Options, Consolidation, Collateral and Guarantees, Payment Options, Payment Schedule and so on.A company selling investment or brokerage services will need to include information not only about their products and services but in these times, such a company should provide impeccable credentials as well. Consider adding information about your Services Provided, Products, Policies, Disclaimers, Risk Analysis, Risk Management, Industry Trends, Recommendations, Return on Investment, Commissions, Assets, Clients Served, References, Experience, Qualifications, Reputation, Customer Service, Company History, and so on.If you’re asking for funding to start a financial services business (anything from a small accounting firm to an insurance franchise), you’ll want to add pages such as a Competitive Analysis, Industry Trends, Market and Audience, Marketing Plan, Insurance, Liability, Time Line, Funding Request, Services Provided, Products, Company Operations, Balance Sheet, Income Projection, Sources of Funds, Uses of Funds, Personnel, Legal Structure and any other topics required by the lender.In your last proposal section, provide your company details, including pages such as Company History or About Us, Qualifications, Certifications, Memberships, Testimonials, Our Clients, or References. Your goal in this section is to convince the prospective client that you can be trusted to deliver the goods and/or services they need and want and responsibly manage their money.Those are the basic steps for organizing and writing the proposal. But you’re not quite finished yet. After you have all the information down on the pages, focus on ensuring that your proposal is visually appealing. Incorporate your company logo, use colored page borders, and/or select interesting fonts and custom bullets to add color and flair. Just be sure to match your company style when making these selections.To finalize your proposal, it’s essential to proofread and spell-check every page. It’s always a good idea to get someone other than the proposal writer to do a final proof, because it’s very common to overlook mistakes in your own work.When the final touches have been completed, print it or save it as a PDF file, and then deliver it to the client. The delivery method you should use will depend on your relationship with your potential client. While it’s common to email PDF files to clients, a nicely printed, personally signed, and hand-delivered proposal may make more of an impression and demonstrate that you’re willing to make an extra effort for the client.So, to sum up, a financial services proposal can vary widely in content depending on the business and the size and needs of the client. Each company’s proposal contents will need to be a bit different. But all these proposals will have a similar format and follow a similar structure.If you’d like to get a jump start using pre-designed templates with simple instructions and extensive suggestions for content, you can use Proposal Pack, which includes all of the material mentioned above. It also includes samples of completed financial services proposals that will give you great ideas and help you easily create your own successful proposal.
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