You can feel the shift as hope for a speedy recovery turns into despair. Today is especially hard for small businesses hoping to make it through July (when the Pelosi/Schumer disincentive to work expires). For many, there’s just too much to overcome whether it’s the protests or the surge in COVID-19 cases (not death rate), customers are sheltering in place. Progressive mayors and governors will never understand how difficult it is to run a business or how fragile the relationship is between a business and its customers. And with the PPP loans spent, home equity lines tapped, savings dipped … [Read more...]
Welcome Aboard: How to Put an End to the Virus
You know if you want to put an end to the virus, let Biden win. The silence will be deafening. This is why talk about vaccines and keeping kids (and teachers) safe by staying home is a joke. It’s all political. Vaccines are a crapshoot, especially if they’re rushed to market, because the first incentive for vaccine producers is to make money not to protect you. It reminds me of variable annuities—the toxic waste gumming up many retirement portfolios—they do more harm than good, and make a lot of money for the salesmen. How about the kids? If it’s about the kids, then open up the schools and … [Read more...]
Life Changes Fast: Need a Boost? Here’s Why I Did
Coronavirus Infects Stock Market: Part LXI You know, as Your Survival Guy, I'm the guy who gets into tough situations only to discover how ill-prepared I am. You know, like when my backyard almost burned down when a tree landed on telephone wires, breaking the pole at the top, sending the distribution transformer, aka "pole pig" (filled with coils and oil ) crashing to the ground right next to one of our prehistoric trees about the size of King Kong that was ready to burn like the torch on the Statue of Liberty. As the fire department descended upon our property, Your Survival Guy quickly … [Read more...]
Your Survival Guy’s Home (and Money) Protection Plan
Coronavirus Infects Stock Market: Part XLV Your Survival Guy was recently asked how I would protect my family if a gang showed up at my door (answer below), which leads me to wonder: Where you live may never be more important. Elon Musk has had it with California. Put me in jail, he says, but don’t think I’m letting my business die without a fight. How hard would it be for you to move to a Red state? I’m not saying you do it now, but in prep for the next unforeseen event you might want to think about it. Would being in a Red state improve your situation? We might find out, as guys … [Read more...]
Your Survival Guy’s Tip of the Day: Sell Until You’re Comfortable
Coronavirus Infects Stock Market: Part XL Just when you thought you might get your life back blue state governors continue to go wild. Yesterday, Rhode Island Gov. Gina Raimondo said she will sign an executive order taking effect Friday, directing anyone in an indoor or outdoor “public place” to wear a cloth face covering. This includes walking your dog, by example, on public roads. Hmmmm. How will this be enforced? Will mask wearing do-gooders shame me for being unmasked? Live and let live. There are risks in life the minute you get out of bed. When businesses finally … [Read more...]
Your Retirement Life: Follow the Rules, Lockdown the New Norm
You’re seeing firsthand how the cure is worse than the disease. When governors go wild we all suffer. Take Newport, RI for example. The beaches are closed, but the Cliff Walk is open. The Cliff Walk is narrow. It’s impossible to social distance on a five-foot wide path. Now, there’s a huge sign (like the ones you see on the side of a highway) flashing: “Face masks must be worn.” Who are they protecting? In New Hampshire, the Appalachian Mountain Club is closing its hiking huts for the season. The parking lot to the popular Diana’s Bath trail is closed. The Newport Folk and Jazz festivals … [Read more...]
How to Avoid COVID-19 Stimulus Scams
You hear your phone ring, and see an unfamiliar number calling. It's someone from your area code, but no one you recognize. Despite your gut feeling telling you to ignore the call, you pick up thinking maybe it's an acquaintance or colleague you haven't added to your contact list. You answer and are instantly barraged with a recorded message informing you that to receive your stimulus check you must hand over all your personal information right then and there. Unfortunately, that's the scenario playing out across America today, and even though most people recognize the scame, some … [Read more...]
Coronavirus Could Reshape America’s Logistical System Forever
You never know what you're really made of until you're tested. Coronavirus has tested every facet of the American logistical system. With millions of Americans at home, doing their best to avoid going out by ordering online, the e-commerce infrastructure of America has been pushed to its limits. With all that pushing, some things have bent, and few have even broken. Major e-commerce businesses and brick and mortar companies with large logistical operations are looking at how to improve for the future. Part of that improvement, reports Paul Page in the WSJ's Logistics Report is the … [Read more...]
Protect Your Business: NYPD Reports 75% Increase in Business Burglaries
Small-business owners prepare for slow months, seasonal slumps, and staffing interruptions. They even spend time planning for natural disasters, cash flow shortages, and changes in government regulations. But one of the last things most businesses are ever thinking about is being looted in times of social turbulence. That is, unfortunately, what is happening today to an increasing number of New York City businesses. The NYPD has reported a 75% increase in burglaries of businesses since March 12. Ben Chapman and Keiko Morris report for The Wall Street Journal: The increase in burglaries … [Read more...]
Protect Yourself from Coronavirus Scams
Your personal financial security is a top priority for Your Survival Guy. Every time a major disaster or emergency occurs, financial fraudsters kick into high gear. They attempt to take advantage of the panic and confusion by conning you out of your hard-earned savings. The COVID-19 coronavirus outbreak is no different. Here's some information you should keep in mind as the days go by. From the Federal Trade Commission (FTC): The FTC and FDA have jointly issued warning letters to seven sellers of unapproved and misbranded products, claiming they can treat or prevent the Coronavirus. The … [Read more...]
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