Occasionally an invention is a completely up-to-date idea. Other times, an invention is nothing more than taking numerous existing things then combining them in a up-to-date way. This is a much easier way to invent things! I call my up-to-date idea Heatwave Loans. Next week I open up my next location, to give you an idea of how things are going. The last few years I have been a cash lender and before that I was an Heating plus Air Conditioning maintenance serviceman. Every summer seems to be hotter than the one before it, which led me to see the increasing demand for air conditioners, plus an increasing need to spend money for them. That need provided me with my up-to-date product, A/C loans. These are short term, small dollar loans used particularly for people to maintenance or replace their air conditioners. During the colder season, I also gave loans on oil furnaces, but there is just a much bigger market for A/Cs. When someone sets an appointment, I visit their lake home plus perform an Heating plus Air Conditioning plan inspection. I then give them an estimate on how much it will cost. Instead of getting their cash right then, I spend money for the A/C repairs plus parts, and then they repay me for the work. They’re thrilled, I’m thrilled, plus the local Heating plus Air Conditioning servicemans I deal with are unquestionably thrilled.