So the bad news for small business owners that owns bars and nightclubs is that the world economy has changed forever!
Because the COVID-19 will linger and come back in different waves and there is a likelihood that we will see new strains in the next couple of years.
These are all very bad news for bars/pubs and smaller nightclubs.
Customers will not want to go out and risk getting infected by the very close contact of a full pub/bar or nightclub during this year and the next year 2021.
There will be some customers who do not care, but most people will drink at home, and keep smaller backyard gatherings rather than going out on the town.
This will unfortunately affect a lot of cities like New Orleans and New York among many others.
There might be some places outside of the big cities that might start to move closer to the old times.
But the likelihood is that 1/3 of the workforce for the hospitality industry will not get their jobs back.
This is a very sad fact, that we will see a lot of hospitality workers will not get their job back.
So for those, this is a very important time to figure out what-else they could be working with in the future.
So taking time now to reflect will be very important on what-else you could be working with in the future.
Hi,Guys, Maria your in-house relationship expert here at mrlifeadvise.
So the panic and fear that we see around the world has crashed the world economy into bits and Pisces.
So let me just start by saying that i dont really underestimate the COVID-19 pandemic.
But i together with a lot of other people in the world , questions how long are we gonna crush the world economy for a death rate of 0.6%.
What about the other 94.4%.
So let me give you an example that we had this week at mrlifeadvise, a long time client who owns one 40 room hotel and two family restaurants.
And he has been building these business for the past 30 years time, and he has put in sweat blood and tears into his businesses.
By law he has been forced to shut down all 3 businesses and also to lay of 50 people in the process.
He was used his saving to pay all employees two months wages from his own savings.
But he is out of cash in around 14 days.
So the summer season is the busiest for the hotel and the restaurants so this will be really a make or break year for him.
What is saving him is that , he owns all three properties where the restaurants and the hotel is located.
But he is questioning opening up one of the two restaurants since it has been only breaking even for the past 10 years time!.
The thing that he is struggling with is laying off 12 employees by closing this one restaurant.
He is one of the lucky ones, because he has been smart enough but also lucky enough that he has been able to acquire the properties along these 30 years that he has been operating.
He says that maybe he can employ 3 out of the 12 people that will be laid off for good if he closes one of the restaurants.
But what about the other nine employees,
This is what keeps him and i am sure millions of other employee up all nights, thinking about what to do and if they will ever open up their business again.
Or does it make more business sense to not re-open a break even establishment.
Most people outside of the resturant industgry do not now that the profit margin is often 2-3% after taxes.
So there are a lot of companies that survive on pretty much the break even concept.
And many do not think about the situation that many of the business that where around prior to the finanical crisis of 2008-2009 never came back.
There is a risk that we can lose more than 200 million jobs world wide for every month that the world is closed down or in a lock down.
At some point we need to start living again , because the cost for the society will be huge when in comes to suicide and alcohol and mental health issues.
It really saddens me that i have to write this upcoming text, but i am pretty sure that America will have the highest unemployment percentage wise since the great depression or even higher inside the next 6 months time.
And there is a pretty good chance that the unemployment level will be two digits for the next 2-3 years time at least.
And this is really bad news for the US.
So President Trump saying that he will have to make the biggest decision in his life in the upcoming weeks, is no joke!.
He needs to make the decision to either save 99% of the populations future or to save 1% or less of the population , and sacrifice the other 99% in the process.
We simply have to understand that life is fragile and it always had been.
And we can not keep the economy locked down for much longer, if we are gonna be able to climb back inside 5 years to where we where before the lock down.
I do not believe that the medical community understands the mental problems that this lock down creates for business owners world wide.
It is sad to see life come crashing down in front of our eyes, but this is what we are witnessing right now.
It is time to get back to the new normal inside the next two weeks time.
The absolutely latest day based on all data at we have gathered at mrlifeadvise is 1 Th of May, and if we do not open up the world again our grandchildren will suffer financially for our fear, that many feel right now.
It is so important to understand that we need to live our lives without fear.
Fearing things are often 10 times worse that actually living true the things that you fear.
So we understand the fear and panic many feel about the COVID-19 virus, but what about the fear of the unemployed people and their fears about putting a roof over their children heads and also putting food on the table for the same children.
So please be safe, but try and accept that life is fragile and it always has been!.
So let us begin by saying that we love New York city in so many ways.
It is the melting concrete jungle who some of us have seen since the 1970s crisis, high crime rate, to Giuliani cleaning it up by the broken window policy in the 1990s.
And to what it is today, one of the absolutely most expensive cities in the world to live and work in.
So for the past 10 years time this debate has been brewing on forums around the world, about why New York is so expensive to live in.
Yes it is expensive as a city, but it is the small island Manhattan that is incredibly expensive to live in.
We know the medium price is 500.000 dollars , but lets face it, you dont get anything in Manhattan for that price.
You are looking at 1.5-2.5 millions for decent 2 bed room in 2020.
With the COVID-19 pandemic and the hot zone that the city has become today, there is no coming back from this.
People are realizing that paying true your nose living on top of each other , having people flying in from all over the world every single day and riding the subway, eating at the same restaurants as you is a recipe for disaster, make no mistake about that!.
More and more young people will understand that living this close to each other, will always be a hot zone for any upcoming pandemic in the future.
And yes Bill Gates is right, more outbreaks will come over the next 10 years time!.
So living in a rural town in Montana or Idaho, dont sound so bad right now does it?.
Okay you dont have to live in a small town in Montana or Idaho, but maybe not in a huge city like New York city, where more than half of your paycheck will go towards rent or your mortgage.
So New York city has survived a lot, but the Covid-19 really broke the belief in the city.
Yes we know the city is very resilient, and so are the residents and if it was a cheap city to live in , then maybe it would not be the most overrated big city in the US , but now it is high end cost wise in every aspect of a persons life.
And the cost in combination with this pandemic and more pandemics coming will see a lot of young people leave and look for a new brighter future somewhere-else in America.
And this is good news because New York city is so overpopulated, without any doubt.
So we are gonna see a 25-30% drop in real-estate prices over the next 18 months time, and this time they will not bounce back, that we can tell you for sure.
It will go slow in the begging since people are sitting still, but when a lot of people wants to sell at the same time, which will be the case in the end of this year, then you swill see the enormous amounts of apartments coming out at the same time to very few active buyers.
So if it ever will be a buyers market now it will happen in this city also.
This is not 2008, this is 2020 and we are in a very different reality that over before.
Stay safe and take care.
Mrlifeadvise.
Life and business coaching at its best!mrlifeadvise.
So we can pretty much say that the world has changed a lot in the past 60 days.
And there is no going back to the life we had prior to the COVID-19 outbreak.
Now most of us, who have been around for awhile have been waiting for a corona virus outbreak for some time.
And we know that several other strains will hit us in the next 15 years to come.
But of course when it happens it is not fun to go around and say to people i told you so!.
And we are not doing that at all!.
So we have made some models of how life will look like in the next decade to come from 2020-2030.
And here is a few things that we have come up with.
No1: Air travel both for pleasure/vacation and business will go down more than 50% from the the year 2019 levels.
No2: More people will use Microsoft teams and similar video conference tools to connect with customers, suppliers and co-workers.
No3: More people will leave the big cities like New York to live in smaller less dense cities and towns across America.
No4: The economy will be in a recession for the next decade to come.
There can be some spikes here and there, but in general the middle class that was not wiped out in the 2008-2010 financial crisis will be almost ex-stint with this first convid-19 outbreak.
What will happen is that more and more companies will automate as much as possible since robots do not get sick!.
Basically every other desk in an office will disappear.
And there is two ways an employer can do this, the first is that the person that gets to keep his or her job will have to do two peoples jobs with the same pay as before.
and this will mean that the person will have to work also on the weekend but from home to be able to keep up with the added workload!.
And the second is that everybody gets to leave the office and then half of the staff will get rehired at basically half the salary and perks.
This will of course affect the GDP spending from private consumers a lot in the next decade.
No5: The bond market has lost 6 trillions in less than 30 days and will lose another 6 trillions in the next 60 days, and this will be the beginning of the end for cheap consumer credits in Europe but most likely also in the US.
No6: The real-estate market will look much different in 10 years compared to how it looks today.
Meaning that most markets will see a drop and more families will live together in generation living.
So you will see that there will be the working parents the grandparents and the youth and the children all in one home.
Because this will be the most cost effective way of living when the middle class turns into working class.
No7: Many companies will not have a physical location like today in one place.
You will see co-workers scatter around the country and the world.
And this will be the end for a lot of commercial real-estate globally, why have an super expensive office building when you can work on video-link and similar added products.
There is a reason why Carl Icahn, has shorted the commercial real-estate market heavily these days!.
No8: Large parts of the professional sports and concerts will not be with live crowds, but they will be televised as we see many new corona virus outbreaks with different strains than the COVID-19, that we see today.
No9: Colleges and higher education will be shifted from on-sight campuses to online school.
And this will be the beginning of the end for the over priced universities.
The ivy league schools will still have on sight classes but these schools will be closed in, and the students will have to return after breaks into isolation for 2 weeks, after returning from leave.
This will end the student loan crisis for new students , when education will be 1/10 of the normal cost today when it will be online instead of on campus.
I hope that i will be around for the next decade to see all this for myself.
But i can say that this is a changed world, and it will be a changed world out there for many years to come.
So be very prepared that the life that you know has changed for good, and it is not coming back.
Hi,Guys Maria your relationship expert here at mrlifeadvise.
So in these days a lot of couples go true a terrifying period in their relationship.
If there was anything wrong in the relationship prior to the Covid-19 outbreak, that has just been magnified by 10x.
So a lot of guys will find out that when your business goes under so will your relationship also.
There is a lot of guys in America who is involved in a sugar daddy type of relationship, but they are not really aware of that fact themselves!.
So i am gonna give you an example of a successful man in a sugar daddy relationship that he was not aware of himself until it was too late.
I will give you an example from,John a client of mine, a really nice guy that learned the hard way,about what kind of relationship he was in.
John had a semi-successful real-estate business in the LA area in the early 2005.
John was at this time 41 year of age and he used to visit a local sports bar frequently and he meet a bartender named Gina, she was 24 years of age at the time.
She started coming on to him and she was a 9 look wise, and no offense towards John, but he is 50 pounds overweight and also bald and is very normal looking.
So this whole thing felt to Johns friends very odd that she was hitting on him so aggressively.
And like a lot of men it is very difficult to defend yourself and keep your guard up when a women that is normally out of your league starts to hit on you.
This is the same issue you see on the tv-show 90 day finance that most of the American men have there have the same issues that John had that the woman was looking for something very different that LOVE!.
So John and Gina start dating and she moves in with him, and all of his friends can see what this relationship really is to Gina (John is a cash cow to her) and she spends happily 10.000 dollars a month of Johns money and he leases a BMW to her, what John does not know is that Gina has a boyfriend on the down low, on the side.
Fast forward 3 years, the subprime loan crisis hits the US real-estate market and John loses his business in less than 4 months time!.
What then happen is the same thing that happens now all over the world with the COVID-19 crisis that these sugar daddy relationships ends in matter of weeks!.
As soon as the money dries out for the man so does the honey from the woman!.
So in Johns case Gina left him inside 6 weeks and , John was left heartbroken for many years after this whole thing ended.
Gina moves in with her down low boyfriend as soon as she realizes that John can no longer support her lavish life style.
John did a calculation after the relationship ended that he has spent almost 450.000 dollars on Gina over a 3 year period.
So Gina took John for a ride and so many gold-diggers do the same world wide.
Los Angeles is known for this sugar daddy relationships where the guys are not aware of this fact.
But it happens everywhere world wide not just in LA.
So what i usually recommend guys/clients who are successful or semi-successful business owners that if a younger women starts to hit on you, you have to think long and hard if this is something that you should give in to IN THE FIRST PLACE.
I understand the allure of a hot women hitting on you, but sometimes you need to think that if you are punching over your weight class, that are there really real feelings involved or is there something-else behind this behavior from the women.
Because a lot of younger but also older ladies are very good at smelling a mark, when they see one.
And these ladies are full blown sociopaths and psychopaths make no mistake about that.
Female sociopaths and psychopaths are often more scary than the male version, since they can hide behind a very innocent look!.
So what i do recommend is that after the first few dates, if you want to continue to see this lady that you ask a PI (private investigator) to dig very deep and keep them on for awhile so you have some background information to go on.
Because money is a huge motivator for a lot of ladies and as a man you can get really hurt if you are not careful both emotionally and financially.
I know a few men that has lost their businesses in a divorce because they did not do a proper background check on the person they first dated and then fairly quickly married.
So over the next 9 months time this year 2020 a lot of guys will find out the hard way that when they lose their business, they will also lose the fake relationship they are in.
So as a relationship expert i am always horrified when i see successful men who are so sharp in the business world and so stupid almost borderline clueless with their personal relationships.
So the one recommendation i can give to smaller and medium sized business owners globally that please make sure that your relationship is actually (real) and not just a fake relationship due to you having business success.
So take care you all, and hopefully we get pass this COVID-19 pandemic in a five months period, at least the first wave of this flu.
So we started our consulting business in 2006 and after the financial meltdown in 2008-2009, we had a lot of companies/clients that needed our advice on what to do.
The reason we call ourselves mrlifeadvise and not mrlifeadvice is that we want to offer our experience and and give good advise as advisers.
But we dont want to advice you what to do since it is your business and you need to make the decision yourself, we can not make them for you as advisers.
But like during the financial crisis years 2008-2009 , we have been asked by clients please take the wheel and be hands on advisers(meaning help us make the tough decisions).
Here is the cold hard truth, all these financial rescue packages are good, but they are being financed by your children and your children’s , children.
So we are just kicking the can down the road.
So simply put this is the reality for a lot of small business.
If you where on the brink of survival before the COVID-19 CORONA virus, you will not be able to re-open your business again!.
Being closed for 4-6 weeks will not allow you to re-open your business since you where on the brink before the COVID-19 SHOWED UP.
For some production companies it will be a tough year to get supplies from the supply chain on time this year.
After we helped a client of ours yesterday who has 50+ workers in a global production company, meaning this company buys and sells components globally.
He has been forced to close this week, and all workers are on 2 months paid leave, which the government will cover 90% of the salary for that period of time.
But he has made several large investments in machinery and tools over the past 2 years time and these bills for that equipment still needs to be paid every month to the leasing companies.
So we went over the numbers today and he is lucky that he has taken our advise to put a side a rainy day fund, but that will only last him for 3 months time!.
And then it is all over after that, if we are closed longer than 3 months or that he does not get cash flow in after 3 months time from customers.
We talked to all local banks today on his behalf and they flat out said no, they will not lend his company money if we runs out after 3 months time.
He owns a AAA triple A company meaning that he has had a really good credit rating for many years, but that does not mean anything in this current situation.
And if he loses his company, more than 50 families will lose a good salary.
The average age in his company is 53 years of age.
And it is highly unlikely that many of these 40 workers who are closer to 50 or over 50 both female and male, will find a similar paying job, or a job in the first place if he has to close his doors for good.
And because he is a smaller company on a global stage in a specific product market, nobody will take over(buy) his company if he closes.
So even if we see airlines, cruise lines, restaurants,coffee shops,bars and hotels are taking the biggest hit, there are many smaller family own businesses in production and other markets that will go under, if we do not open the world up again inside the next 20-25 days.
So even if the 0.5% mortality rate is horrible for the family of the deceased, the big question all experienced business people understand is at what point is the cure deadlier than the disease itself?.
Human life is valuable, but we have a larger issue at hand, how many lifes will be destroyed by depression and suicide when companies close and people lose their income/job.
No matter how hard it is to accept a virus like the COVID-19 , taking over our lives,because it truly has hijacked the world economy.
We have to move on and move forward.
And at some point we need to re-open our society again inside the next 3 weeks time, otherwise we have broken our world economy in a way that we can not undo!.
So we have to do a triage here do we accept a 0.5% kill rate and keep 99.5% with food on their table and a roof over their head, or do we sacrifice 99.5% of the population to save 0.5% of our population.
I think all sane people know the answer to this hearth wrenching question!.
So be safe out there and take care of yourself and your families.
Due to so many of our old/existing clients contacting as day and night at this point we are not gonna be able to respond to emails as fast as normal from new clients or clients who maybe wishes to join our community.
So please bare with us for the next 3-4 weeks time, and hopefully the world has opened again for business.
So this is a blog post that we never thought we would have to write.
But here it is, the world has gone into a hysteria that we have never ever seen the magnitude of in the past.
And we have exactly 30 days from today March 20th 2020, to April 20th 2020, to get everything to re-open again.
(We know that many restaurants and mom and pop mortar and brick stores will never ever open again!.
Because once they have now closed they will not re-open again, and these are the companies that have been joggling for more than 10 years after the 2008 financial meltdown.
These are companies that did not have enough money to close for 30 days, they had money for 14 days.
And many have already been closed for almost a week now!.
This is a pandemic with less than 1% kill rate, and still we are treating it like it would be EBOLA that has a 25-90% kill rate(mortality) in infected patients.
So we understand that the triage that will be done now around the world, is horrible at the moment.
But millions of people die of the fly each year, and we dont really pay much attention to that.
We have in America today an opioid crisis that has been killing on an average of 60.000 people a year.
Now we are shutting down the world economy for a few thousand deaths!.
So there is no reason for this shutdown, what so ever.
The way this should have been handled is that people who are in the risk group like elderly people with several underlying diseases should have been protected, the best way possible and the rest of the world should have gone on like any other normal day in early January!.
So we are sinking the world economy like the Titanic to save less than 1% of the population, most likely the kill rate would be 0.4-0.5%.
So we have 30 days to come to our senses, and start to live our normal lives again, because if we do not do that, it is game over for a very long time.
And the 1929 stock market crash and the great depression will look like a breeze compared to what we have going on right now!.
Our world economy is so tied together today compared to what it was in 1929.
And in 2008 it was the subprime loans and overspending that created that crash.
But we never corrected the mistakes and issue on the markets from 2008 we swept them under the rug, and we have had almost free money to everybody in low interest mortgages and car loans for 10 years now, and this was a huge mistake by all the decision makers, not to correct the issues 10 years ago.
So to all the people in the world, mark our words we have 30 days to correct this mass hysteria and if we do not do so, we are completely screwed for a very long time to come.
We would almost go so far that we will most likely have a lost generation.
If you lose your job or home, do not abandon your pets , they will love you even if you live in a tent for one or two years to come.
And buy a 50 dollar www.tractive.com or similar gps for your cat or dog, so if you get separated for any reason you will find you beloved pet again!.
Stay safe and help each other out, in anyway you can.
So we are gonna start off our relationship section with a very sensitive matter!, abandon pets!.
So we know from our wast experience that the next recession will start for real in 2020.
There is no doubt in our minds that the real estate bubbel will burst and then everything will come crashing down after that!.
The difference this time compered to the 2008 recession is that there is not a lot of financial tools that the governments around the world can use to boost the economies like they have done since 2009.
We see in Europe a minus interest on bank deposits to fuel the economy and mainly stock market and the real estate market.
So in the last recession we saw a lot of families panic and give away their pets to shelters and even some did the most stupid things you can think of, which in our mind is a mortal sin, they just left their loved pet behind!.
PANIC!, is usually the first emotion and it makes people do stupid things.
Studies have showed that people and families who stayed together and kept their pets, had a much easier time to get back on their feet when there was no guilt or shame for leaving your loved pet/pets behind.
We as experienced life coaches understand the gut reaction, when you get foreclosed on and you are unemployed to say i need to feed my kids and my pets has to go!.
You should really think twice about that gut reaction to give up your beloved families pets.
When you look at what you need when you fall on hard times, the one thing that is really important for your family and your kids is the soft fur of their loved pets, when everything is chaos around them.
The emotional love that a pet gives to a family in crisis is heavily underrated.
Second, one of the more overlooked option is that you can ask your kids if they want to work 1-2 h a day, to keep their pets with the family.
Kids can do a lot of different jobs like paper routes, cut grass, leave blowing, all kinds of small jobs that can pay from 3-5 dollars an hour.
And these jobs will still be around even in a serious recession, for young people/kids who will work 1-2 h a day and make enough to keep your pet/pets with you.
Normally also a cat cost less than a dollar a day to feed , with some good quality hard food and 1/2 can of cat food of better quality.
A dog usually cost 2 dollars a day to feed for a medium sized dog and around 3-4 dollar for a large one.
So dont we afraid to put your kids to work to hold on to your families loved pets even in hard times!.
And let them be part of the solution to keep your family together.
There is also the possibility that you yourself if your kids are really small , do an 1-2h a day of extra work to keep your kids happy with their pets.
Dont be afraid to go around looking for that extra work, in neighborhoods with elderly people and please also make sure that they are a where that you are looking for extra work to feed your pets and keep the family together.
Usually there is a lot of people with heart that will give you the 5 dollars an hour, to help you out with your pets.
And one other thing that you should always think about when you have pets and you live paycheck to paycheck , is that you can always take from every paycheck and buy two months worth of pet- food that has a lasting period of 2-3 years.
And if you dont need to use it, then you take from that stash down to one year, and then you re-stock again.
Also always in good times when you are working take your pet to the vet and make sure that have their vaccines and that they are neutered and everything is good shape.
And of course you should always chip mark your pets and keep the information up to date!.
A beloved pet that is left at a shelter does not normally do that well!.
And even if there are a some no kill shelters, most shelters will put your beloved pet to sleep when they get overcrowded and your pet is not able to find a new home!.
So more likely than not, if you leave your pet at a shelter it will be put down to sleep.
So this is something you really need to think about , before acting in panic, when you lose your job and get foreclosed on.
There are also animal rescues and other organisation that can help you from time to time with food, if you run out!.
Also people seem to be willing to help pets more often that not.
So just do what you can to keep your pets with you.
Because we can guarantee , to you that you will regret giving up your pets in a brief moment of panic.
Try and keep a cool leveled head even in crisis mode.
If you absolutely can not take the pet with you, do not under any circumstances just leave it behind.
That is a mortal sin and , it is the worst thing you can do to your beloved animal.
They will not do well alone on the streets or in the woods.
So what you do then is that you call everybody you know that still has a decent paying job and ask if they can temporarily take in your pet/pets and you will take them back as soon as you and your family land back on your feet
And if that does not work out for you, call an animal rescue, and ask for a voluntarily surrender.
One more thing to also keep in mind is that if you know that you are going somewhere, bring the pet with you even if you know that you have to surrender it for the time being, the closer you are to the surrendered pet the more likely you are to be able to take it back.
For some people things might turn around in a another state and another job, but if you left your pet at a shelter half way across the country the likelihood of you going back for it, is much smaller than if you surrendered the pet in your new city.
But we are 100% sure that you will be able to keep your pets, if you put your kids to work and we are talking about 1-2h a day of labor to keep your family together including your pets!.
So this is something you should really think true and use your brain and your hearth.
Because pets/animals are gods gift to us, and they are so very valuable to us humans, and we really dont recognize that as much as we should!.
Thank you for reading, and hopefully you took away something good from this post.
We have in America a huge problem today with guardianship and how elderly people get bleed dry by lawyers and corrupt judges and senior leaving management.
So this problem is not contained to only America but it is very bad in America.
You have so many people benefiting from putting well of elderly people with or without relatives to look after them.
There is around 1.4 million people under guardianship in the US in 2019.
Many of these are being well taken care off by family members or relatives/friends.
It is usually the wealthy ones without family that gets targeted.
Because poor people dont pay lawyer bills, because there are no assets to benefit from.
There is an estimate that more than 900 billion dollars in America is under guardianship from elderly citizens.
For a country like America that has so many federal laws(if you ever seen a federal criminal code book you know what we are talking about!),it is strange that they dont regulate the state guardianship problem.
The biggest issue is that it is very easy to sign up to become an guardian, and you need to sign up and basically go in front of a local judge to get approved.
And this is just ridiculous, considering that you need a degree for so many other jobs out there, but not this one, where you can get access to the funds of a multimillionaire that you dont even know.
So let us give you an example a person of the age of 75 years old, has a stroke or other illness.
He recovers but the state issue a guardian to handle his finances anyway.
The person has no relatives or they are not involved in the persons life.
So here often people figure out that there is a few million dollars in assets and it in these cases where you see how the wheels starts to spin faster and faster.
Lawyers can bill up to 50.000 dollars easily and the guardian can in many states get 5% of all the assets that are sold off.
There can also be one guardian to take care of the private part and then one guardian who handles the financial aspects of the person under guardianship.
Both these guardians gets paid anywhere from 2000 to 4000 dollars a month.
And if there is assets like property what you often can see is that this can be sold off to (friends of the lawyers or the guardians) for a way below market value.
So the name of the game is to empty out all the assets of the person who are under guardianship.
There is also a lot of other aspects involved here in being able to control the person who under guardianship.
Often this involves over medicating the person, or moving the person from there home to be able to sell the home and benefit from this personally.
When you look at the cases that has been prosecuted over the years it is very clear that there is a large number of people involved in these cases.
And it can be the judge, a lawyer sometimes even 3 lawyers, a doctor, and then one or two Guardians, and on top of that a nursing home manager that is also involved.
And everybody is making money from the wealthy person under guardianship.
So usually they can slowly drain the bank accounts and sell of assets over a few years until the person has no assets left what so ever.
And then they move on to the next elderly victim.
Let us just say that there is only a few bad apples out there in each state, but these do a lot of damage to a lot of people.
So you work hard all of your life and then you get railroaded at an old age, it is just horrendous that this can go on year after year.
By the way at least in Texas you can have up to as much as 32 people under one guardianship on the personal side at least.
So do the math here yourself that if you can earn around 2000 dollars a month and you have as much as over 30 people under your guardianship you can earn 60.000 dollars a month or 720.000 dollars a year!.
So this is a problem that the federal government has to fix A.S.A.P since the states do not seem to be able to police themselves and fix this issue.
It is always important to a society that we take care of our children and elderly people who often have no voice in the community.
So for a person without children today, or a person who has children but no contact, for you what you need to do is to find a good and trustworthy lawyer and a good and trustworthy accountant.
And preferable find people who are 15-20 years younger than you are.
So if you get issues when you are 75 year of age they are 55-60 in age and can protect you in many ways going forward.
So getting a good lawyer and a good accountant when you are younger can save you from the gates of hell that the forced guardianship can be on you as a person!.
So we are now in a full blown global panic with the pandemic of the COVID-19 the so called Corona virus.
And business owners are calling and emailing us non stop on what to do?, with their business and employees.
So let us from a medical perspective run down what this virus does and how dangerous it actually is to you.
So this is a virus that is airborne and that means that when somebody sneezes or you come in to close contact with them you can get infected if they are infected themselves.
It can also infect by drip(fluid) so if somebody that has this infection is using a chair or gym machine or whatever you can catch it.
But if the sweat has dried the risk is much lower to catch it!.
So basically you can say that for a normally healthy person this COVID-19 corona virus is not any more dangerous than the normal flu.
There is people saying that you can get long-term problems even if you recover from the COVID-19 , but we still dont know that for sure.
What we can say for sure is that the normal flu can also cause some serious long-term side affects in a small number of patients.
So this is something that we need to determine later on in the future when we actually have some real data supporting one way or another, if there is long-term side affects involved or not.
So if you like visiting the gym, some gyms are closed some are open.
We would suggest that you train with long sleeves and also use gloves, and make sure that you have cleaning products with you to clean weights and machines , if the gym does not provide that already.
So this is everybody’s own choice if you should visit the gym or not!.
Most of us at mrlifeadvise consulting are still visiting gyms and we live our lives like we have done in the past before the COVID-19 BREAK OUT.
Of course if any one of us catches it, we will isolate ourselves very quickly for a 7-10 days time period, to avoid spreading it to others, who are not as healthy as we are.
So dont be selfish even if you are healthy yourself and you catch the virus.
Because you can spread it to people that are not healthy and you can actually kill them by infecting them.
So isolate yourself if you get infected with the virus.
The big issue with COVID-19 is that if you have any underlying diseases like diabetes, cancer, asthma or any lung issues or what ever else serious that we would call underlying diseases, you need to be more vigilant than normal.
But this is the same advice that you would need to follow during the normal flu season.
And also if you are over 65 years of age , you need to use caution with this COVID-19 BREAK OUT.
And for all you grandchildren out there you should not visit your grandparents during this time period or if you are gonna visit you use a medical face-mask and dont kiss or hug your elderly grandparents at this time.
So one thing to remember is that in America more than 36.000 people dies on an average from the normal flu each year.
And in the year 1990 more than 90.000 died that year from the flu in America.
So the most important thing is to remember that the panic and the chaos is actually much more dangerous than the COVID-19 actually is for the world today.
What we have advised our corporate clients is that if the office work can be done remotely by the employees , then that is a good idea.
For the production workers this is not an option , but as a business owner you can make sure that you screen your workers so if somebody has even a normal cold that they dont come in to work.
And also bring in an extra cleaning crew that comes twice a day to clean door knobs and all common areas with strong determent products(cleaning products)of the medical antibacterial type.
One other option can be that if you only work one shift in the production you could turn that into three shifts, to avoid having the full crew of workers in at once.
There still is very little that says with the COVID-19 that you need to close your production or company in general at this point.
But we will keep monitoring the COVID-19 Corona outbreak and keep in touch with all of you our clients.
And our clients you all know that you can contact us 24/7 true email if you have any questions for us about your business, and somebody will get back to you A.S.A.P.
So for now, we dont recommend any companies to close down their operations because of the current COVID-19 outbreak.
The H1N1 (Swine flu) was much worse as a disease in 2009 so around 10 years ago and we recovered from that!.
So in general as it is always the people that are sensitive to infections and have a lot of other illnesses and underlying diseases should be very careful with every pandemic that comes our way, and the same goes for the yearly normal flu season for those who are in the so called risk groups.
What we have seen so far is that mostly elderly people have died so far.
But there have been younger healthy people also that have passed away, in China for instance the doctor that first reported the CONVID -19 in Wuhan died from this.
So there is no guarantee that younger people can not also get serious issues from the Corona virus.
So use common sense and use cleaning gel ,antiseptic gel and be smart out there.
We will keep you updated, if something new breaks.
As many of our clients now is that we have a lot of contacts with the bio-hacking community and also with a lot of medical doctors in different fields.
So we get a lot of information from non official channels at mrlifeadvise, that we can then give to you our dear and much valued clients.
Thank you for reading.
mrlifeadvise.
Life and business coaching at its best!
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mrlifeadvise is a company that specilizes in supporting smaller and medium sized company owners and CEOs who need busines advise from a company with a track record dating back over 60 years.
And mrlifeadvise has created over 10000+ lasting jobs during that time frame.
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About This Site
mrlifeadvise is a business consulting company specializing in smaller and medium sized companies.
We have 60+ years of experience from building companies, and we have created over 10000+ lasting jobs during that time frame.
We will help your business with good advise, regardless of what business branch you belong to and regardless of what part of the world you are active in.
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