Archive

#fightback

Tech firms see the opportunity they have been waiting for as shoppers and business recoil from paper money. Who’s hurt when legal tender goes away?

If you are nor online, you are not making any money. You are missing out!

 

HOW TO SURVIVE THE CORONAVIRUS CRISIS

AND ITS AFTERMATH

By: Michel Ouellette JMD

CHAPTER ONE

Is the Coronavirus Killing Off Cash?

From the beginning of the Coronavirus outbreak, stores and businesses were shuttering all over the World and many of those that were still open were balking at cash. Shoppers were switching orders to Amazon and Walmart.com. Many stores and businesses that have stayed open would not take cash requiring customers to pay either by debit or credit cards or paying first online. What once seemed like the oldest, most reliable way of paying suddenly seems a thing of the past.

The Coronavirus crisis drove businesses and people to prefer credit and debit payments to cash; a shift that is here to last. Digital payments are quick, clean and easy and that shift is now representing a huge opportunity for all retail and services businesses around the world. People did learn from their Coronavirus experience and, for many, this means no longer walking in a store or and office.

For years, I have been pushing toward a more virtual, less cash-based business and payments system, and pressing businesses and business owners to go online to free them from the uncertainty of being paid for their products or services and increase their sales and cashflow tenfold. The Coronavirus crisis is now providing me with one more argument to justify that business model: Due to the coronavirus crisis, people that resisted to shop on line are now realizing how easy, economical and efficient it could be.

The only people I know that would not benefit from such a transition are the older and poorer people that tend to be more reliant on paper money either for lack of tech savvy, out of habit or because they do not participate in the formal banking system, the poorer and vulnerable people that do not have access to banks or credit cards.

You want to help these people!

For the duration of the pandemic, give them your products and provide them with your services free of charge. Donate to them directly, personally, the same way you donate to your preferred church or charity. This is good business. These people will be very grateful and let other people know about what you have done for them. Just do not forget to deduct these “promotional expenses” from your taxable income.

Some other people will still resist going online or using their credit card because they think that how they spend their money is nobody’s business, especially the taxation officer. Just take their money and put it in your left pocket. This is still good business. Just do not provide them with a receipt.

Money habits can be hard to break

The Covid-19 pandemic, has forced every one of us to change our spending habits almost overnight. It took years for ATMs to replace visits to human bank tellers. Now this is common ground. After resisting the move for years, many businesses started accepting credit cards and online payments either through their website or bank transfer. This shift in behavior is here to stay and for most businesses, it is now the right time to integrate in their business model infrastructure to support mobile banking and digital payments.

For others, the Coronavirus crisis is the rightful and legitimate occasion to turn their operations and business into fully cashless environments, that kind of economy, that long-held dream that I have been promoting for years. It is much, much faster to send money via the internet than to mail a check. It is much, much faster to get paid via the internet than waiting for the check in the mail.

CHAPTER TWO

Where is the money going?

Starting with day one of the Coronavirus crisis, items that were once necessities become luxuries, increasingly strapped people around the world were re-evaluating what they were spending their money on and how they were spending it.

For many, as the coronavirus pandemic ravaged the world, new items and goods delivered in boxes seemed a safer bet than walking into stores. Suddenly, like many others, people became hyper aware of their expenses and were now taking a painful daily look at their financial priorities: Was that $5 monthly web magazine subscription really necessary? How much does watering the garden cost? When, in order to survive, where they going to need to tap into their savings?

“We are OK for now,” they were all saying. “But soon, the bottom may fall out from under us.”

As millions of people lose jobs, take pay cuts, close businesses and absorb family members into their homes, they were being forced to rethink where their money was going. Even before the scramble for new jobs can begin, people were cajoling creditors, looking for gig work or simply cutting back to get through the first few disorienting weeks of the Coronavirus outbreak.

For some, the question was simple as whether to by a jigsaw puzzle to keep from going corona crazy, and how much to tip the person that would deliver it. But for many others, the stakes were far higher: a good credit score sacrificed to pay off certain bills before others, or dinners rationing so that cash for groceries can be repurposed for an emergency fund.

To save money, heaters have been turned down, clothing sales ignored and auto insurance policies canceled. Vacations Plans turned into at-home entertainment and long sessions with Netflix, Disney Plus and Zoom. Rents were going unpaid as people spend weeks waiting for government aid to arrive.

An economic shock like this would certainly and definitely have a long-term impact on people who have traditionally felt like they were being cautious, that they were not squandering with their money, but did not have to worry about paying for rent or affording food. They might have more debt, which will make it harder to spend in the future, or they might just feel insecure.

Even when the economy was strong, many were in a precarious financial position, ill prepared to weather even minor disruptions and often weighed down by debt. Today, many of these people are experiencing a complete loss of income and on the verge of even loosing either their business or home. Those people are now relying on either good will from strangers or programs from corporations and the government to stay afloat.

For some people, many of whom have never seriously budgeted, are now mapping out strict spending schedules for the next few months. They get really creative. They eat little half meals, and they experiment with their seasonings and condiments to try to forget that they are eating the same thing over and over. They try to reschedule when monthly bills are due so she can space out the payments.

More than half of lower-income adults in North America say they will struggle to pay bills this month, compared to a quarter of their middle-income counterparts and 11 percent of those in the upper-income tier. Over all, more than half of those who expect a government stimulus infusion will use most of the money to cover essential expenses. One in five will save the funds to cover expenses further down the road.

To create a financial buffer, many people are hunting for freelance or part-time work or are working overtime in an attempt to drum up new business. For the last few weeks, for most people that I met online, they are all completely overwhelmed by their shortfall of income. For most of them, and they are not alone, while focusing on being able to afford groceries and maybe the house and car payments, they are all being stretched thin emotionally. They are totally exhausted at the end of the day.”

CHAPTER THREE

Going Online

“If you are not online, you are not making any money”

Following my predictions and recommendations, small business and shop owners are now launching “Online Stores” to either stay open or survive after the Covid-19 pandemic.

If you are like many other entrepreneurs, for years, you wanted to venture into online sales for your business, but could never find the time. Now, with the pandemic shutting down most retail stores and nonessential businesses, it is only common sense to invest your time and money in doing so. The process is not really easy and may be costly and time consuming but the bottom-line results are certainly worth it. If you are not online, you are not only making any money but you are also losing money.

For many business owners that decided to go that route, the last several weeks have been chaotic and frantic, but the hard work is beginning to pay off. The response from customers has been amazing. Many businesses are now rushing to offer online sales or expand their available product line to keep their businesses afloat and meet customer demand. And this is only common sense.

Getting creative

Around the world, online store creations jumped by seventy-five per cent when comparing the second week of April to the first week in March. Some entrepreneurs have been very creative to offer the same product or service online as they did in-store. Despite the investment and long hours involved, their sales are going up their costs are going down and they are doing even better than before the pandemic.

For most of them, it is just non-stop work providing services, fulfilling and delivering orders. It is even busy, seven days a week.

The challenge

One more time: “If you are not online, you are losing money”

Creating an online store is often challenging for small businesses. Because of the many steps it can take, it can be a tedious process. It is definitely work, but it is important work right now. Really, if you are not online, you are not making any money and even losing money.

If you are not going online now, you are not only losing money, you are jeopardizing your future.

Look at the Covid-19 is a business opportunity

Even with the country in lockdown, a number of entrepreneurs are plunging ahead with new ventures. From pet services to food delivery and even advertising, many companies are forging ahead with launch plans. Some are even focusing their startup on issues related directly to the virus. For most of them, they find that the new, challenging environment actually presents an advantage for their startup.

When offering online services, your customers no longer have to walk in your store or offices to see your products, negotiate your services and process the credit card payment. All this interaction is now happening online.

Right now, people are really out of options, and do not know how to move forward with some sort and any kind of gathering. People are going online for everything and this trend is here to grow even further and stay.

For many services businesses going online, they offer a free phone consultation to start, and then propose other services susceptible to satisfy their customers’ needs. From the beginning, the introduction offers to the end, cashing the money of the customer, everything is done online.

If you are a retailer or distributor, going online is even easier.

There are a lot of opportunities to navigate.

CHAPTER FOUR

Today and Tomorrow

Again: “If you are not online, you are not making any money”

Yes, the coronavirus curves are plateauing

There are fewer hospital admissions and the daily death toll is still grim, but no longer rising. While this is encouraging news, it masks some significant concerns. The gains to date were achieved only by shutting down the countries, a situation that cannot continue indefinitely.

No one knows exactly what percentage of the people around the world have been infected. So far, estimates have ranged from three percent to tern percent. Until a vaccine or another protective measure emerges, there is no scenario, agreed upon, in which it will be safe for people to suddenly come out of hiding.

One thing is for sure:

If, in the near future, people are to pour back out in force, all will appear quiet for perhaps a few weeks and then, without any warning, all over the world, the emergency rooms will get busy again. The tighter the restrictions, the fewer the deaths and the longer the periods between lockdowns.

China did not allow Wuhan, Nanjing and other cities to reopen until intensive surveillance found zero new cases for fourteen straights days, the virus’s incubation period. At home, people can still take domestic flights, drive where they want, and roam streets and parks. Despite strict or mandatory restrictions, everyone seems to know someone discreetly arranging play dates for children, holding backyard barbecues or meeting people. Even with rigorous measures, Asian countries have had trouble keeping the virus under control. How can we be so arrogant?

If there is a lesson to be learned from China, it is that reopening nonessential businesses, lifting all distancing restrictions, requires a steady declining of cases for at least fourteen days, the tracing of ninety percent of all people that came in contact with a person affected by the Covid-19 virus, an end to all healthcare worker infections and at least the immediate instauration of recuperation places and facilities for mild cases. This is a strict minimum and for most of the location where the Covid-19 safety and prevention precautions have been relaxed, none of these pre-emptive steps have been followed. Get ready for second wave of the Coronavirus infection.

“If there is something that people need to realize, it is that is not safe to play poker with the Coronavirus; that the faucet needs to be reopen gradually”

Previously unthinkable societal changes have taken place already. Schools and business have closed, and millions of have applied for unemployment. Taxes and mortgage payments are delayed, and foreclosures forbidden. Stimulus checks, intended to offset the crisis, were issued. Food banks opened doors across the world, and huge lines have formed. Except for the upper class of the society, the world has become a welfare world.

A public health crisis of this magnitude requires international cooperation on a scale not seen in decades. Once the pandemic has passed, the economic recovery may or may not be swift depending on the way we are dealing with the pandemic today. The psychological fallout is harder to gauge. The isolation and poverty caused by a long shutdown may drive up rates of domestic abuse, depression and suicide.

In such a scenario, immunity to the virus will become both, a societal advantage and disadvantage. Imagine a population divided into two classes: those who have recovered from infection and presumably have some immunity to it; and those who are still vulnerable. It will be a frightening schism: Those with antibodies will be able to travel and work, and the rest that will be discriminated against.

As people stuck in lockdown will see their immune neighbors resuming their lives and even taking the jobs they lost, it is not hard to imagine the enormous temptation to join them through self-infection. Younger citizens in particular will calculate that risking a serious illness may still be better than impoverishment and isolation.

Even though limited human trials of three have already begun, any effort to make a vaccine will take at least a year to eighteen months. This is being very optimistic. Treatments are likely to arrive first. Meantime, for the next two years, I strongly suggest that you exert extreme caution. Avoid people that you know that may have been exposed to the virus. Avoid shaking hands and touching your face. Wash your hands. Keep safe distancing from everyone you meet and finally start doing business online.

Above everything else: Stay Safe!

 

Michel Ouellette, ll.l, ll.m

Business Growth Strategist

 

 

JMD Systemics

Systemic Strategic Planning / Crisis & Reputation Management

Skype: jmdlive

Web: www.jmdsystemics.com

Michel Ouellette / Joseph Michael Dennis, is a former attorney, a Trial Scientist, a Crisis & Reputation Management Expert, a Public Affairs & Corporate Communications Specialist, a Warrior for Common Sense and Free Speech.

For the duration of the pandemic and its aftermath.

JMD Systemics is her to help.

Book Your “FREE” Consultation Now

 

“I am awesome!” – Donald Trump

“I am exceptionally smart” he said.” “I’m, like, a very smart person,” he assured voters in 2016, “A very stable genius,” he ruled two years later.

And then, on last April 24, this exceptionally smart, very stable genius comes out with this unbelievable statement suggesting “injection” of disinfectant to beat coronavirus and “clean” the lungs. No modern politician anywhere in the world can match and surpass Trump’s record of irrational or illogical statements.

Trump is in a class of its own

His constant careless and too often delusional statements definitely invited questions about his intelligence and actual state of mind.

When Rex Tillerson called Trump a “moron” in private, he was absolutely right. So where all other former senior administration officials that did the same or rendered equivalent verdicts.

Trump is a megalomaniac

Since long before his 2016 campaign, few subjects have been as meaningful to him as appraisals of his intellect. For Trump, it always has been a source of perpetual obsession and manifest insecurity, so much, that he always felt and still do feel the need to allude to his brainpower regularly.

Trump does not want to feel like anybody is better than he is. He cannot deal with that and this is the reason why he his so often dismissing them and their opinions. He used to be intimidated by lawyers. Anyone who knows more than he does makes him feel less than he is.

Don’t get me wrong, I always cheer the underdog and applaud when they win. But if I was still be praising Trump, I would have to question my own sanity!

I now believe that it is time to go nuclear on Trump.

The only remedy is the 25th Amendment.

JMD

Michel Ouellette, ll.l, ll.m
JMD Systemics
Systemic Strategic Planning / Crisis & Reputation Management
Business Growth Strategist
Office:613.539.1793
Skype:jmdlive

If you are not online, you are not making any money, you are losing money.

Here comes JMD Systemics

Inexpensive Covid-19 Resources You Can Access Right Now

Hello everyone,

In a race to save their companies, small business owners have been and, for most of them, are still struggling to stay afloat while trying to navigate a complex maze of governmental assistance programs and figure out their legal options. Many have had and still have to do it all on their own because they could not and still cannot afford the costs of expensive lawyers, accountants and business consultants.

For most of them, like many of you, they were and still are facing a “Cash Crunch” while running after their money, waiting on payments for jobs completed, services provided and, products sold and delivered before the coronavirus shutdown of their business.

For those of you facing this situation, here comes JMD Systemics, in these days of pandemic, dedicated to providing professional inexpensive sustainable business services and alternatives to small businesses.

My mission is to provide all small business owners like you, at low cost, with all the necessary assistance required to successfully face and survive this Coronavirus business disturbance historical and unforeseen period.

For all the duration of the Covid-19 pandemic and its aftermath, what I am offering you is: a “25% REDUCTION” on all My Business Services  and a “FREE” 30 Covid-19 Minutes Online Consultation.

My name is Michel, Michel Ouellette JMD

What I am offering you is all my professional expertise at a very low cost.

As a Business Growth Strategist, a Former Attorney and Trial Scientist, a Crisis & Reputation Management Expert, a Public Affairs & Corporate Communications Specialist, a Warrior for Common Sense and Free Speech, for the duration of the Covid-19 pandemic, I am offering you unlimited access to all my expertise and professional resources at a price you can afford.

While I know that like for most other small business owners and entrepreneurs that I am now helping, that what you need most right now is “Cash”. I also know that  like for many of my actual clients and business partners you may not know when that money will come.

And, this is where and how I can help you

My JMD Covid-19 Business Assistance Program, is designed and aiming primarily at very small businesses, these businesses with 100 employees or less.

Only businesses with 100 or fewer employees qualify

If you qualify and are seeking help and immediate assistance, go to My Covid-19 “FREE” Consultation Web Page and tell me what are your most pressing coronavirus related issues and concerns so I can adequately assess, identify and address your most immediate  needs before our initial online meeting.

Time is money and I would not want to waste your time or mine.

This being done, I will contact you to find out what would be, for you, the most convenient time to meet online and schedule our meeting accordingly.

During this first virtual COVID-19 “FREE” Consultation, I will be asking you  more questions to determine what would be your best options and to find out who, on my team, has expertise in those areas where you need assistance.

While my Covid-19 Small Business Assistance Program may not be able to fulfill every small business requests, my hope is to help as many entrepreneurs and small business owners as possible survive the Coronavirus pandemic and thrive.

Talk to you soon

Meantime, Stay Safe.

Michel Ouellette, ll.l, ll.m

Business Growth Strategist

JMD Systemics

Systemic Strategic Planning / Crisis & Reputation Management

Skype: jmdlive

Web: www.jmdsystemics.com

Ask for your “FREE” 30 Minutes Consultation Now

 

DuckDuckGo, Privacy simplified.

Seamlessly take control of your personal information, no matter where the Internet takes you.

Protecting your personal data has never been this easy. Escape advertising trackers.

DuckDucGo’s tracker blocker stops advertisers from tracking you on the sites you visit. Keep your search history private.

Other search engines track your search history. DuckDucGo does not track you. Ever. DuckDucGo does not store your personal information. Ever.

DuckDucGo’s privacy policy is simple: DuckDucGo does not collect or share any of your personal information.

DuckDucGo does not follow you around with ads, does not store your search history. Therefore, DuckDucGo has nothing to sell to advertisers that track you across the internet.

Contrary to other search engines, DuckDucGo does not track you in or out of private browsing mode. DuckDucGo does not track you. Period.

Switch to DuckDuckGo and take back your privacy! No tracking, no ad targeting, just searching.

JMD

J. Michael Dennis is a former attorney, a Trial Consultant, a Trial Scientist, a Crisis & Reputation Management Expert, a Public Affairs & Corporate Communications Specialist, a Warrior for Common Sense and Free Speech.

Book a FREE 15 minutes Skype Consultation with JMD live

Skype: jmdlive

 

 

Too many emails

The #1 enemy

I do not have a minute to waste; life is too short.

I am up at 5:00 every morning and kicks things off with a fairly regimented routine.

Most of my morning are focused on planning my day. By 8:00, I am ready to tackle every issue that is to be resolved.

With a jam-packed day, there is one major nuisance that I just can’t be bothered with.

Other than Skype interview request from my beloved clients, I hate email.

With email, the whole world comes across at you; it is your agenda number one enemy and it is terrible, not to say a total waste of time.

Let it be also known that I took my work email out of my phone. All those emails would be going unread, waiting in my inbox, magically multiplying the way unread emails seem to do.

You want to retain my services!  

Other than wanting to retain my services, don’t bother me.

You have an urgent issue to resolve and need my services!

It’s all in my auto-reply, which goes to every single recipient who sends me an email:

“Thank you for reaching out. Being overwhelmed with unsolicited requests, I will not be answering your email. This does not mean that I am not available for business! If you need immediate attention or have to urgently deal with a commanding issue, it will be my pleasure to help and assist you. Do not hesitate to call me at the following number: 1-613-449-3278”

Every email does not demand an instant reply or a reply at all. Even if I do eventually get back, there’s no need to apologize if it takes a few hours or even a few days. I slashed the “Sorry for the delayed reply …” from my email vocabulary. I refuse to set the expectation that it’s abnormal to take a little time to reply.

I have opted out of one of the most important communication channels in today’s working world. It is not because everyone else emails that I should. Why should I?

I hate leaving people hanging as much as I hate being left hanging.

We live in a high-volume 24/7 email world. People are glued to their screens. Don’t expect me to act the same way.

Communicating to people that I am not going to play that game is important. This way, they don’t think that I might have fall off a cliff or just feel extremely slighted annoyed or pissed off.

Yes indeed, I am going off the grid for a bit and I will be checking email less frequently.

This doesn’t mean that I will not be immediately taking care of urgent matters or business issues; it just means that if you have some urgent issues to resolve you have to call me. You have my personal phone number.

Just don’t abuse it!

JMD

Michael Dennis is a former Corporate and Business Law Attorney, a Crisis & Reputation Management Expert, a Public Affairs & Corporate Communications Specialist, a Warrior for Common Sense & Free Speech helping you achieve greatness.

Follow JMDlive on:

Twitter, Facebook, JMDlive.com, The Futurist Daily News, JMDsystemics.com, Bunkumless.com, Pinterest and Tumblr.

Book a FREE 15 minutes Skype Consultation with JMDlive

 

“What do you mean I’m privileged? I know a lot of minorities who have a lot more than I do.”

Do we give too much “space” and importance to minorities?

Today, the only things we read and hear about every day is this outcry about women rights, native Canadian and Americans rights, LGBT rights, Muslims rights and so on and so on, all these people blaming the White Straight Man for their misery.

First, let me set the record straight:

GENESIS 1:

26 And God said, Let us make man in our image, after our likeness: and let them have dominion over the fish of the sea, and over the fowl of the air, and over the cattle, and over all the earth, and over every creeping thing that creepeth upon the earth.

27 So God created man in his own image, in the image of God created he him; male and female created he them.

My position is quite simple: All men, male and female, whatever their race or color are born equals.

This being said, my question is:

What’s wrong with the Straight White Man, male and female?

The past five decades have not been very kind to the white straight man, male and female. Until the 1960s, the white straight man comfortably sat unchallenged atop the cultural and economic pyramid. He did not have to deal with all these disgruntled people and minorities that we read about and hear complaining every day about their despair and misery.

And then the Straight White Man world exploded.

Today, like it or not, disgruntled people and minorities are everywhere, complaining, blaming and accusing the White Straight Man, male and female about anything and everything.

If the White Straight Man does not agree with their condition, their way of life, their vision of the future, he is conveniently labeled as a racist, homophobic, misogynist individual and personality.

Today, the White Straight Man, male and female, being guilty as charged and condemned without a fair trial, lynched on the public place, is no longer included in anything and no longer part of the conversation. His right to speak does no longer exist.

Freedom of speech for the White Straight Man no longer exist

Unsuccessful, disgruntled, frustrated, depraved people of every minorities confronted with the power structure are now challenging every laws and institutions that they wrongly believe that are confining them to traditional roles in the private sphere.

Instead of empowering themselves by doing what would right to do, sticking to their guns, unsuccessful, disgruntled, frustrated, depraved people of every minorities are now questioning traditional conceptions of gender and sexuality.

Don’t talk to me about privilege.

All these so-called “rights movements” that we see today, instead of promoting and building a fairer, more diverse society and rectifying all possible wrongs that may have happened in the past are only successful in creating more opposition, more animosity and more violence as a direct assault on the well-established moral values of a world global silent community that believe in a better world and rightfully condemned all immoral values.

Today grievance defined the targets of the frustrated minorities. They battle against liberal academics and politicians by stressing multiculturalism and celebrating the contribution of minorities while distorting and minimizing the achievements of white men.

As for the White Straight Man, man and female, they silently fume about companies and schools giving preference to less-qualified people and minorities in an effort to achieve greater diversity.

It is now time to fight back

For the White Straight Man, male and female, it is time to react, it is time to fight back. We are told that we live in a democracy, where everyone has the same rights, the same opportunities. Hello!

Reality Check:

We now live in a democracy where the White Straight Man no longer benefit of the Freedom of Speech right. We now live in a democracy where the White Straight Man, to get a job, shall indicate on his or her résumé that he or she is part of a minority group or a member of the LGBT community.

Here is my take on this:

We do live in a democracy, where everyone has the same opportunities I do and we need to move on. If the fact that you are a woman, black or gay is what defines you, you definitely have a problem, not me.

Talking about privilege only further divides people.

JMD
Owner of JMDlive.com,  Bunkumless.com , JMD Systemics and King Global Earth and Environmental Sciences Corporation, J. Michael Dennis is a former attorney, a Crisis & Reputation Management Expert, a Public Affairs & Corporate Communications Specialist, a Warrior for Common Sense & Free Speech, the ultimate fixer helping you achieve greatness. JMD is also a Columnist and the editor of  The Futurist Daily News , a Social and Political Blog.
Follow JMDlive on: