Keeping Fit and Healthy Through the Recession Starting a Home Business
The Internet changes the way we do business, even the very way we buy our groceries. How we look for our next car, how we insure it and our home. We live in a home found on the internet, bought with a loan selected from the same source. We manage our bank accounts on-line and can send instant messages and emails to the other side of the world, or to the person sat next to us, in seconds. This was a level of empowerment not dreamed of by our parents or grandparents.
All aspects of our life have changed to some degree due to the World Wide Web. This was fine, we were all moving along nicely getting what we wanted, working for stable companies underpinned as we thought by a stable Banking System that looked after our money. We did not mind too much that the Banks acted if it was their money and charged us to have access to it. Our Governments held Banks in high regard and listened to their wise and sage announcements on our county’s economy. Banks seemed to get caught up in the new world of freedom of action and started to become Sales Organizations. Never the less unlike other sales lead companies their level of customer service remained low and what the heck they were still arrogant, be what did we expect? They are still Banks after all. Then America started a fashion of lending money to people who could not afford to pay it back. When it looked likely that they would get their fingers burned they wrapped up all this dodgy lending in bundles along with better financial deals and sold them around the world like pass the parcel. This enabled greedy bankers to continue selling loans to people who could not afford them, and extract the higher interest rates demanded, this in itself is bizarre as usually people who are poor need to pay less. When critical mass was reached, the sand upon which our Western World banking was built was exposed to the tide of inevitability.
Just about every aspect of our life is in some way changed by the so called Credit Crunch and the ever expanding ripples it has spawned. Many of the adjustments we are having to make are a bit negative but on the whole we can see and derive positive outcomes from many of these new circumstances. I think that the biggest positive coming out of the chaos that was our financial institutions, once the envy of the world are now under scrutiny. They are exposed as poorly run economic liabilities. Now, despite the residual arrogance the Banks still show for their customer base they must be made to realise that recent events have shown the basis of their world must change. When the tax payer i.e. their very own customer base have been forced to bail them out using our money as taxpayers, in consequence their world cannot return to the way it was before their greed or poor judgement brought about the calamitous circumstances colloquially known as The Credit Crunch. They do, however seem to be trying to go back to the Status Quo, their only opposition at the moment being confined to petulant posturing from our Government. They were the people who would will lend our money to our own Government to enable us to run as a country, they would expect interest to be paid on these loans and for them it is good business. But now we have had to take public ownership of many of the Banks is this still going to be the case and is banking now going to become a more political activity than it was previously? Are fewer of our Tax Pounds to be spent paying interest on loans to our Government? It will need to be far more accountable and more closely regulated.
The reasoning and logic behind having to pay the ‘going rate’ for salaries for senior executives in the industry, to ensure the right quality, seems heavily flawed. Throughout America and Europe and as far as the Far East the rules of Banking have changed, apparently with no one in authority noticing until it was too late, and obvious to everyone else. Is the worldwide standard for selecting Banking Executives judged by the correct criteria? How many CEOs have fallen on their swords or been subject to claw back of their bonuses? I don’t know much about this side of things as it is run by a set of Bankers, so let’s lets ensure our successive Governments re energize the FSA to cope! Let us move on.
That was the end of the First Phase. We now stand on the threshold of Phase 2 sadly wiser but better prepared to build this Phase on much firmer foundations.
However as I said it’s not all bad news, people are now swapping houses not just buying and selling them. Barter is becoming an acceptable transaction method providing an alternative to the traditional buying by using money. Our attitudes to borrowing are becoming more prudent and we are looking at making economies in all aspects of our life by saving money and reducing waste, all nicely in line with the chattering class’s mantra of Save The Planet. This means there are many new opportunities popping up, where astute people can embrace the moment and take advantage of this change, both to their own and our societies’ benefit.
Unlike previous recessions and the Great Depression of the late 1920’s early 30’s we have the Internet, the World Wide Web to help. This valuable resource, sometimes denigrated when misused, can be brought into play as a force for good for all. How do we do this? Let us imagine that your job is under threat or you have already been made redundant, what are your options?
Ø Get a new equivalent job - HOW EASY IS THIS! In a contracting jobs market?
Ø Take Job seekers Allowance - what lifestyle does this support, and it is likely to be further restricted soon?
Ø Take a menial ‘below your capabilities’ job - HOW IS THIS FOR YOUR SELF WORTH and your bank balance?
Ø Something else? Mm!
Of the above the “Something else” looks to hold the least reason for trepidation for most of us.
This is where the Internet comes in. It is your window onto the world. Your means to find out quickly and accurately what is going on. How you can build an on-line business or a bricks and clicks company, to replace your lost or reduced income. You can, if you know where to look, find what is popular, i.e. what people want. Which areas of the economy or the World are still buoyant. All the vital components required to build your business, available for you, sometimes even for free and are readily accessible almost instantly, if you know where to look.
To demonstrate how this can be achieved we have put together a simple website similar to one you could create yourself, virtually, for free where you can actually purchase products on-line. After being made redundant, without any pay out! It took us about 4-5 weeks to put together including the Company Registration and opening a Business Bank account, (yes THEY get in on the act too). Have a look to see if you like it. If so, we could help you make a start towards your own secure future, by letting you into some of the secrets of how to get started.
We chose Health and Fitness as an area where there is much interest, and the massage skills information offered will give the information necessary to start a small business helping to de-stress the victims of The Credit Crunch and help to fund new business ventures.
Don’t forget to keep healthy and fit as this is vital to your own success no matter what you choose to do. www.tiessa.co.uk
After years in employment with major IT companies I became a victim of the Credit Crunch and needed to act. Share with me what opportunities this raises
