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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

 

Our society has become an overprotective mother.

Overprotecting people reduce their competence and this, associated with a kind of social immaturity is one of the major pathologies of our present days culture.

More and more people are now relying solely on the News Media and the Web, without questioning the facts, to validate their action and pathological societal disorders.

We are living a psychological epidemic

Today, thanks to the web and the news media allowing all the “sick” people and marginal groups of this world to validate their being and way of life, we are now living in a society of self-diagnosed individuals and collectives multiplying and glorifying their immoral and asocial pathologies.

Being a straight, moral and intelligent person is no longer the norm. By simply finding all sorts of people who act and think like them, people suffering from borderline personality disorders or merely acting like total assholes are now justifying their own existence and behavior.

More and more people and minority groups, are now justifying their immoral, amoral and depraved conduct and way of life only and simply because they now feel that they are not alone. We now live in a society of self-diagnosed people multiplying and glorifying immoral pathologies.

Being a victim, a member of whatever minority, feeling like being harassed, oppressed and persecuted, blaming everyone else other than ourselves for our condition, throwing rocks at everyone instead of empowering ourselves is the new norm.

It is time to fight back

When being the most oppressed victim gives you the highest status, then it’s a race to the bottom.

When the regular straight and moral and more than often white guy becomes the new minority, we definitely have a serious societal problem.

Throwing rocks at everyone, every institution and in every window that you come across will never solve any problem. On the contrary! Such an attitude is only creating more problems, exacerbating people and public opinion.

Our society has become this overprotective mother and playing the victim card with the highest degree of status is really bad omen.

For everyone that is now wrongly and unjustly lapidated on the public place, it is now time to stand up and fight back.

JMD

https://www.facebook.com/WarriorForCommonSense

 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.

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

Book a FREE 15 minutes Skype Consultation with JMDlive

#Fightback

 

Political Correctness

My latest painting

“Make America Great Again” Because no matter what is in your pants, you can still be a big prick. – Illma Gore

“Political correctness” is a term describing language, policies and measures intended not to offend or disadvantage any particular group of people in a community or society. As Clint Eastwood would say, “We now live in a pussy generation” where if you say the wrong thing, you may be penalized, lose your job or even taken to court.

Every single day, media bombards us with subtle messages about what we should believe and what appropriate speech consists of. Most of the time, most of us quietly fall in line with this unwritten speech code. Those that would dare to buck the system are finding out that the consequences can be rather severe and the younger generation is particularly susceptible to this media’s power of suggestion and when we, the people go to work or go to school, the conversations that we have with others are mostly based on content that the media feeds us.

The media is not the only source that is telling us what to think. The messaging that comes from all of our major institutions either governmental, social or educational is remarkably consistent. The establishment have a relentless propaganda machine that never stops working, trying to control what we say and how we think or how we should think. Freethinkers are now a rare breed and understanding what is being done to us is the first step toward breaking free. The way that we all see the world today has been greatly shaped by the thousands of hours of thought training and indoctrination that we have all received over the years.

The Trump Factor

Again, as Clint Eastwood would say, “Anyone offended by Donald Trump’s so-called racist remarks attitude and language should just fucking get over it.”

Trump is onto something because he is only plainly and simply saying what is on his mind. Sometimes it is not so good and sometimes it is exactly what most people mean and, personally, I can definitely understand where he is coming from. You may not always agree with Trump but you will have to agree with me that he does not have to agree with you or anybody else.

Saying that a judge is prejudicial or bias because of his descent is definitely a dumb thing to say but that does not mean that you are racist. Saying that a specific individual of a specific descent may be prejudicial or detrimental to you because of your previously expressed opinions is a totally different story and has nothing to do with racism. Saying that one is a racist or a bigot because he is saying that we shall limit all Muslim entries in a country, saying that all illegal immigrants shall be deported out of a country if they do not comply with the immigration laws… Come on! This is only common sense; this is in no way racism or bigotry.

In the sixties my mother, like many thousand others, had to sign for and endorse my father, an illegal American immigrant to Canada were he has been working and paying taxes for more than 10 years. My father had to reluctantly kneel in front of the queen and kiss her ass in order to stay in Canada and provide for his family. Does that mean that the Canadian are racists? Come on, like my father, just get the fuck over it! Immigration laws are for everyone including those, like my father, that originally did not comply and started a family in a foreign land.

Saying that there should be a stringent vetting system for all immigrants and refugees, especially for those coming from proselytized countries in any way of form… Come on! This is only common sense; you want to come and live in my house, you have to live according to the rules of my house. When I go to Rome, I dress and eat like the Romans. I know how to show respect! Do you really believe that Donald J. Trump is the only person in the world that is really fed up with the illegal immigrants, Islamic people and refugees of all breed? Come on; wake up! Look around: Trump is only saying out loud what millions of people are thinking all around the world. Trump may well have small hands but he definitely has big cojones.

Too much ass kissing and not enough ass kicking!

Secretly or privately, everybody is getting tired of political correctness and kissing up asses. We live in a kiss ass generation. We are in it right now and it is a very sad story. Everybody’s walking on eggshells. People are accusing people of being racist, being bigot, being atheist, being birther, being whatever. People are blaming everyone except themselves for their own misery, their condition and the way they live. Come on, get over it! Man up! When I grew up, those things were not happening. We were not happy with our live, we were doing something about it. Instead of complaining about them and moaning like a child, we knew how to deal with assholes and abusers of all kinds. When we saw snakes, we were not having a meeting about it; we killed snakes!

Personally, I do believe that our planet should be a global village without any kind of frontier, territorial, economical or geographical. I do believe in a world where everybody should live according to one and only one rule: The Golden rule! Evidently, humanity being what it is now, this is not tomorrow the day.

We all live in a kiss ass generation!

All across the world, some, especially the pundits and the media would say and insist that Trump is inciting political violence, that he is a serial liar, a rampant xenophobe and all these other things. I am certainly not to discuss all these issues. It would be losing my time: people only hear what they want to hear. People do not want to hear the truth, they only want you to confirm what they perceive as being the truth. To all of you, owner of the only and holy truth, I would say only a few things: Wake up kiddos! Just get over it! Open your eyes! Finally, after decades of stifling political economical and religious correctness norms, millions have found their voices and it is not a pretty sound.

Like it or not, around the world, millions of people want to do that same thing: speak their minds without fear of being shushed and shamed for being politically or otherwise incorrect. More and more people are now feeling free to talk about what is really on their minds, with no filter between their brain and their mouth, regarding issues related to race, ethnicity, race, culture, gender, religion, sexuality and other sensitive topics. More and more people are now feeling free to share their feelings, their fears, their resentments, their hopes, their anxieties, their prejudices, their values and beliefs. More and more people are now having an open discussion about what we really think and feel.

How are we ever going to have authentic, meaningful conversations about sensitive issues of race, gender, religion, sexual orientation, cultural difference and values if we cannot talk about what is really on our minds? How can we build bridges of understanding if we cannot speak openly? Are we really so fragile, so sensitive, that we cannot bear to hear someone else speak their truth, even if that truth is painful to hear? Do we really need to be protected from each other’s perceptions, fears, anger and resentment? Are our feelings so delicate that we cannot bear to listen to the pain, confusion, and frustration that other carry in their hearts?

We will never rid of the world prejudices or biases, racism, sexism, bigotry, and xenophobia by prohibiting uncomfortable, painful conversations. For decades, social, religious and political correctness proponents of all kinds and breeds have said: “Never share your true feelings and thoughts, especially if they are negative. Political correctness has a down side, and we are all seeing it big time. By not allowing people to speak of their fear of others, their financial and social anxiety, their despair about the future, we have failed to deal with the chronic, soul-crushing pain that millions have been feeling for a long time.

The Trump Factor Revisited

Today, unseen before, a politician is making it OK for people to talk about what is really on their minds with no filter between their brain and their mouth. Donald J. Trump, even if it may cost him dearly, does not self-censor and that is one of the things that is appealing to his admirers.

It is about a year ago that Donald Trump stormed onto the political scene.

Those who regularly and constantly advocate political correctness are motivated primarily by either their own personal concerns or by the emotional wellbeing of their ostensibly vulnerable minority community. Their concerns have nothing to do with the general or national interest of a global population and I tend to agree with Trump when he says: “I think the big problem this country has is being politically correct. I’ve been challenged by so many people, and I Do not frankly have time for total political correctness. And to be honest with you, this country [or any other in the world as a matter of fact], does not have time either.”

Many had and still have concerns about Trump. They questioned and are still questioning whether someone with such cutting yet candid honesty, a candidate who veered so sharply from so many of the usual political expectations, could ever become president. Rather than backing down, Trump is still pushing forward.

Today, political correctness with peer-engendered public shaming is now the social reality and there is a contingency of people and pundits that seek not just to diminish alternate viewpoints, but to repress them altogether. It is this kind of mindset, the hostile advocacy of platitudes over polite dissent, dictatorial silencing over thoughtful engagement and censorship over free interchange, that took many from reticent acceptance of Trump’s approach to passionate advocacy. 

Yet it is his honest advocacy for his deeply held beliefs that has emboldened many to speak out confidently for their positions, and to ignore the anonymous attacks and scoffing jeers of the naysayers.

Trump has set and is still setting the politically correct walls aflame.

JMD

JMD is an enthusiastic private and public events speaker, writer, syndicated columnist and social activist who most enjoys evolving in complex interactive situations.

jmdlive@live.ca

http://bunkumless.com

http://jmdonline.tumblr.com/

http://lefuturistedailynews.com/

http://news.thefuturistdailynews.com/

https://about.me/jmdlive/

donald for president

Donald Trump, a new reality to live with!

Donald Trump insults and exaggerates; he dismisses the need for public policy ideas; he gets confused about world affairs and, sometimes says things that flat-out aren’t true. And the cheers from his backers and supporters are only growing louder.

By the standards voters typically judge a presidential candidate and according to the media, The Donald should not even have survived his first day in the 2016 race. Yet as the summer draws to a close, Trump is still maintaining himself as the Republican front-runner.

Donald Trump is everything except politically correct; he is showing attitude and showmanship; he his vocal; he does not need anyone money; he cannot be bought; he is in a real total and absolute “Fuddle Duddle You” position.”

How refreshing that is!

Like water on the back of a duck

Trump’s uncanny ability to repeatedly stumble without any consequence other than increasing his popularity is befuddling his rivals. Uniting people, capitalizing on a people’s deep-rooted anger and frustration with the nation’s political leaders, President Barack Obama and all the conservative Republicans who haven’t sufficiently stood up to the Democratic administration, Trump is now defying all laws of electoral and political gravity.

Notwithstanding his obviously apparent political flaws, a now growing part of the American population is more and more entranced by Trump’s combination of self-assurance, his record of business success and the promise that his bank account is big enough for him to remain insulated from all the forces and evils they believe have poisoned the traditional politicians.

Trump may have started as a joke, but he may now be the real deal

It is these same flaws that the media and his opponents are imputing on him that make Trump even more popular and credible for a growing majority of the American voters. For these backers, voters and supporters who no longer trust or believe in the traditional establishment’s candidates who are constantly adapting their action and speech only to get elected, Trump his saying, no matter what the situation may be, what he believes in. Trump stands by his words and People know were he stands and what is to be expected.

It is a totally new social and political paradigm that is unfolding

Trump’s foibles just make him appear stronger than all his so-called presidential opponents. Even during his least flattering moments, his backers and supporters will emerge even more confident in his presidential capacity. For most of them, they may not have voted for years, they may not vote next year but today, Donald Trump is the answer to their prayers. For this majority of voters and supporters, it is those flaws that make him the leader America needs.

JMD

JMD is an enthusiastic writer, columnist and social activist who most enjoys evolving in complex interactive situations.

jmdlive@live.ca

http://jmdonline.tumblr.com/

Original story : http://www.ctvnews.ca/world/trump-defies-political-gravity-thanks-to-fed-up-voters-1.2551146