Small Businesses Robbed By Banks!

If you’re a small business owner, you’re probably familiar with the common practice that many banks don’t lend to small businesses. But why, especially if small businesses are the engines that are responsible for economic growth?

Let’s take a look at why small business bank lending is declining.

  1. Banks are utilizing money generated for small businesses to buy there own stocks
  2. The stock market is artificially inflated by small business monetary funds
  3.  The loan bubble is 250 TRILLION dollars worth of debt

Therefore, we find huge gaps of commercial space sitting vacant and unkempt while foreclosure and bankruptcy crisis are imploding. Small businesses remain unfunded as banks continue to attempt to unravel the cost of their greed and mismanagement. Generations of millennial entrepreneurs struggle to pick through unsustainable debt, rising interest rates, student loans, and financially unsupported visions and dreams. Meanwhile, elder bankers ie: federal reserve and thieving CEO’s attempt to reflate popped bubbles in stock and housing markets thereby creating potential dollar crisis and domestic inflation increases.

How will they do this foolishness you ask… via printing a bunch of money and slashing insurance rates, yet the consequence would be the dollar crisis and it is bound to come under such deployment. The federal reserve is yet encouraging adding risks, but why we ask? This bubble is deeply systemic, and it feels that we are approaching the end of this bubble and therefore we feel compelled to share our thoughts.

We, at chastitychyld.net are collectively advising the nation to cease purchasing, lending, and investing in financial products until you can visualize government and trade deficits. Not just project but visually see the financial changes you desire to support or abort. You may be saying Northern, I am broke and this will not impact me and I say you are wrong! “Your debt to credit ratio may position you for advancement and opportunities many won’t have. High credit and negative financial reserve is of no interest to the calculating machine known as FICO. If you remain still during this recession it may increase your economic standing and position you to maintain a suitable debt level during this catastrophic collapse, that is certain to come.

You have been advised…

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Smart black girls rock!

HEIRESS LARK EST.2018

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Working 9 to 5

I notice that Linked In is slowly becoming the underground grievance headquarters for the abused employee clique. While, I am thankful they have a place to collectively digress, I must say this can be dangerous. If said boss becomes privy to the collective he can become irritated and begin to seek out ways to punish his victim. 

My hope is that these employees eventually become the managers, owners, and founders they were deprived of having. Likewise that upper management get help urgently, it’s no fun feeling attacked and off balanced, especially at the place you are required to excel and advance. I wrote 9 to 5 for the collective aforementioned.

No, he is really out to lunch…

There was a time when the term “out to lunch” consisted of engaging in a meal halfway through the work day. Today, in the 21stcentury the word had transformed and taken on the meaning of being crazy or out of touch emotionally. The idiom “out to lunch” is extremely covert and difficult to dissect to an outside party. It is believed the term was developed and frequently used within the workplace. The workday traditionally consisting of eight hours termed “The 9-5” compliments of Dolly Parton 1980 hit 9 -5.

Tumble outta bed and I stumble to the kitchen
Pour myself a cup of ambition
Yawn and stretch and try to come to alive
Jump in the shower and the blood starts pumpin’
Out on the street the traffic starts jumpin’
With folks like me on the job from 9 to 5

This tribute to the work force mindset had people who didn’t even like country music tuned it. It was such a hit that it was followed by a movie. Nine to Five was a tribute to anyone who was over worked, under paid, and pushed to the edge by a cruel boss. As a result of team work the employees take out revenge against the cruel boss, and even get an opportunity to make changes within the office environment.

When employees were having a tough day at the office and the boss was “out to lunch” the employees would take this opportunity to discuss the days havoc. It became a casual term to ask if the boss was “out to lunch” to determine if the coast was clear to talk freely keep a muzzle on. Employees never adjusted to the system of working within these confining conditions. The traditional office work standard was very formal and uptight when the boss was around. Yet, when he was “out to lunch” the atmosphere was much lighter, and people felt far more relaxed. The idiom began to travel within the workplace and ultimately the negativity associated with its conception. Long before the “out to lunch” term was depicted as a multilayered comment/question the negative emotions incurred when a boss is in the office had long developed. It preceded its negative definition and as such it was always an under the table commentary that could not be decoded easily.

The slogan slowly infiltrated the entire western world and helped employees to survive in competitive high-pressure work environments. It was a water cooler question that typically followed a freeing of the environment. The idiom was embraced as another approach to group therapeutic council and many looked forward to the “out to lunch” periods to discuss what the boss had or hadn’t agreed to. The bosses tended to stick together to avoid the “favorites” accusations and this created instant separation and caste systems. The term took on a negative connotation when the term began to overlap into if employees could converse safely about pressing issues and concerns within the office. While the CEO’s were eating at five-star meals and writing them off as lunch dates the employees were eating greasy burgers and fries at their desks. Naturally, this created a divided work nuance and the employees were rarely in agreement with change and additional responsibility. These were the days when people stayed on jobs for years and retired at the same place after nearly giving their lives over to these companies. Eight hours began to feel like a lifetime and people changed this dichotomy via returning to school, changing careers, or enterprising on virtual work opportunities.

Slowly, the term “out to lunch” has begun to dissipate as the workforce greatly changed. Today’s employees are contracted employees, temporary workers, and are comfortable with change and exploring different opportunities in different fields and locations. Fortunately, flex time options, forsaking lunch, or coffee breaks allow staff to leave work early. Offices have music casually playing in the background, and it’s not unfamiliar to see family pictures and artwork atop desks. The office is no longer stuffy and casual Fridays are frequently allowed. The sharing of holiday meals, office functions, and gift exchanges have greatly benefitted the work environment and overall moral. Learning to unwind together has created a far less tense work environment. Thereby, creating a far more casual work experience for the entire office, bosses included!

 

Author
The Northern Duchess
Field production
TWAND Intern
Chastity Chyld Incorporated Magazine
Publication date
January 21, 2019

 

References

Nine to five high: Substance abuse in the workplace. (n.d.). PsycEXTRA Dataset. doi:10.1037/e539952004-001

 

Jr, M. F., & Jr, M. F. (2018, February 28). Retrieved January 20, 2019, from https://deadline.com/2018/02/9-to-5-reboot-rashida-jones-pat-resnick-dolly-parton-jane-fonda-lily-tomlin-1202304453/

 

Entrepreneur 101 Security Deposit Left me Broke….

After paying a security deposit, the pockets can hurt a bit is there any way to get assistance… A security deposit is any money a landlord takes from a tenant other than the advance payment of rent. The security deposit serves to protect the landlord if the tenant breaks or violates the terms of the lease or rental agreement. It may be used to cover damage to the property, cleaning, key replacement, or back rent.

chastitychyld.com

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Entrepreneur 101 Building the TEAM

“Being the richest man in the cemetery doesn’t matter to me. Going to bed at night saying we’ve done something wonderful, that’s what matters to me.” Steve Jobs The thinkers and the doer’s – work through the hard intellectual problems – listen to my journey –

Entrepreneur 101 DO NOT open until…

Entrepreneurship requires planning, especially brick and mortar. I’m currently going through all the above – times three! Join my journey opening LLC, management of a NPO and just acquired a Medicinal Prevention Practice and Executive Suite addition – Avoid WANTREPRENEURS – who have so much advice but ZERO experience!

Pay it forward and continue sharing – adding, and learning – together!

NEW TIME SHARE TACTIC ALERTS!!!

Entrepreneur 101 NEW Timeshare Fraud Tactics!!!! Share and watch the video and review  links below as references.

Timeshare fraud has reached astronomical rates – they now have new ways to commit fraudulent transactions My Yelp Link – Review https://www.yelp.com/biz/vacation-vil… Video https://www.youtube.com/watch?v=tcALX… Most of us have found ourselves on the other end of a convincing sales pitch at one point or another. How should you react? What are the questions you should ask? What are the potential red flags?