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!.
Hi,guys, Maria here your relationship adviser at mrlifeadvise.
So i have had more than 10 male clients over the past 11 years time that has been scammed by foreign online dating sites and the profiles on them.
And believe me, it is a jungle out there and a lot of people are praying on lonely men mainly from the Western world.
I have developed a very simple but advanced program for love sick lonely men that are using foreign online dating sites and what to look out for, so you dont get scammed.
This full pdf-program will be available for purchase on this site, in the end of this month.
And it will well be worth the buy, to avoid getting scammed us much as possible, nothing is ever bulletproof but my system comes very close!.
I can recommend these two tv-show for you to watch on this topic who are called 90 day finance and before the 90 days.
And these are pretty mellow shows compared to what i have seen my clients go true in the past 15 years time!.
But they give you at least a hint on the challenges you will face even if you will find that needle in the haystack.
The one thing i can tell you for sure is that on most foreign online dating sites, the girls gets paid to put up their profile and keep you interesting for as long as possible.
Now good pictures does not mean that it is a scam, because even real profiles spend some money on professional photos THESE DAYS, but if a women half your age is in (love with you after a month time!) you are getting scammed with a 99.99% probability.
A few free pointers that i can give you are these.
No1: Always make sure that you get face time or Skype time very quickly from when you start to corresponds with a woman more seriously.
So if you start to talk to more exclusively with a women, make sure she is real, there is no excuse for a women not to be able to Skype you or face time you for 5 min at least in today’s world!.
And this is a sure way to at least establish that the person you are talking to is the same as on the pictures.
If the person comes with excuses NOT to use Skype or face-time you ,then stop talking immediately to that person, because then it is for sure a scam.
But even if the person is willing to face time you or Skype with you there is no guarantee that the person has your best interest at hearth.
So there is a very lengthy process that you need to go true when trying to date on foreign dating sites.
And i can say with all certainty that more than 90% of all girls and ladies are not interested in leaving their country for love, it is a visa scam or a money grab.
So how do you find the good 10% that has the good intentions.
I will teach you all the tips and tricks in the pdf-file, but i will give you one more pointer in this blog post.
No2: There is a rule of thumb when in comes to age differences on foreign dating sites and that is that the age difference should not be more than 15-20 years at a MAX!.
And i could list them something like this, even if every person is different, and some will accept a larger age difference.
If you are a 25-35 year old male, you should opt for a partner in the age range of 20-35 years in the female.
If you are a 35-45 year old male, you should opt for a partner in the age range of 25-40 years in the female.
And if you are 50-65 old male, you should not chase 25 year old girls, it will not end well for you, under any circumstances.
So if you are an older male try and keep it smart and look for a 40+ year of age women with some education and class.
I understand that it feels good as a 50+ years old male when 23 and 24 year old girls are contacting you, but it is not anything you should pay any attention to what to ever, because thee is nothing real there for you more than ego boost that will cost you your shirt!.
So i will come back when mrlifeadvise has uploaded my pdf-file for sale at the site with more information on this topic.
But be safe out there in the foreign online dating jungle!.
Thank you for reading.
Maria, your in-house clinical psychologist and relationship therapist at mrlifeadvise.
So a lot of talk has been around why people are leaving LA and NYC and cities like Chicago for small town America!.
And yes the cost of living in these cities are really high and the real estate prices are ridiculous in places like LA and NYC.
But this is not the full picture of why people are living for greener pastures.
Yes cost of housing,day care and taxes are higher in LA and in the NYC, but there is a big driver why millennial and others are moving out in masses from the Metropolitan areas , towards small town America.
And yes millennial are also moving to hot spots like Phoenix,Austin and Atlanta, but many are also moving to small town America.
And it is not just millennial who are moving out of these larger metro areas, also people in their 40s are moving out.
So now you are wondering what is the big reason for people moving away from bigger cities with all the amenities towards more rural communities and smaller towns.
SO HERE IS ONE OF THE NEW AND REAL REASONS THIS IS HAPPENING SO MUCH RIGHT NOW!
COMPANIES ARE ALLOWING PEOPLE TO WORK MORE FROM HOME!.
The first reason why this is happening more and more right now, is due to a lot of companies having changed out the old school management that has retired in large parts and younger people in their late 40s has taken over, and they younger folks have all been around the internet boom from the earlier days so they know that not everybody has to sit and work in the same office to be productive.
Most of the old school management taught that al workers should be under one roof for getting out the most of the productivity.
The second thing is because of the big problem that most companies in America and Europe is facing in today’s world is the lack of educated and/or experienced workers to hire for corporate openings.
In today’s online world and great video meeting possibility you can sit in South Dakota and work for a New York city company.
Or you can sit in Colorado and work for a Los Angeles based company.
In most cases you need to go in to the office maybe 2 days a month, to meet face to face with your co-workers but other than that you can sit where ever you want for your job!.
There is also a great benefit for many companies allowing this, working from home thing.
And that is that is is much easier to requite highly skilled personal at a reasonable cost compared to what the cost would be to have to relocate a person cross country.
Let us say that you are a company that in certain positions do not need the employees to sit in the same building or city, then you have a much wider net to search for that very talented co-worker/employee all over America, instead of just within the city limits.
It is also easier to keep the costs down salary wise for a job if the person can sit and work from home in a much cheaper city than the LA and NYC are for instance.
So let us say that you need to pay 120.000 dollars to get a skilled person in the bigger cities for this job that you need to hire for.
If you are willing to accept a person working from home in South Dakota you might find the sale talent for 90.000 or even slightly less than 90.000 dollars.
So this is a win win for al parties, companies can recruit better and also save some on salaries.
workers/people with good skills that are living in smaller towns and cities can get work that might not be available in here region without having to move to the metro areas.
And with good internet speed, you can have video meetings or face time your colleagues a few times a day, and it will work pretty much the same as it would if you where all sitting in a conferee room together.
So this is one of the major driver for millennial and others leaving a high cost and high stress life in a big city for a more laid back life in small town America.
Lets face it, living in Los Angeles is stressfull you need to make 150K at least a year to live somewhat decent and even that is not enough.
If you are gonna live a more comfortable life in Los angles or NYC you need to make upwards to 250K .
And there is not that many 250k a year jobs to go around.
There is also on other area that is to come and that is for smaller and medium sized companies to figure out how to get access to highly skilled workers but only for part time jobs.
So let us say that you run a small factory or a company in Los Angeles ,and you are in need of a part time expert on something that you can not find in your area.
Then maybe finding a retired expert on this specific topic in Pittsburgh PA, that can offer your company 15 hours a week at a reasonable price point over video link.
So mrlifeadvise strongly believes that we have just seen the beginning of this trend where a lot of office type of work can be done online with co-workers and employees are sitting here and there.
There is also one other great benefit to having people sitting in other cities and that is that they might be able to drum up some new business for the company by being abler to represent the business in their own region/state/city.
Dear,readers, my name is Maria and i am in my late 50s and i am a clinical psychologist and relationship therapist by trade and these are my profession.
I started my work life almost 40 years ago as a young model from Sweden.
I worked as a model for more than 15 years, i did runways and catalogue and you name it!.
I never became a famous model, but i was able to work for a long time (yes 15 years is a long time for a model) even in the 80s and during the 90s.
I was fortunate enough to have a good agency when i started my career and they did a really good job in protecting me and my young colleagues from a lot of the dark side of teenage and young adults modeling globally.
This does not mean that i was not put into situation as a young adult 18-23 , where i was not 100% comfortable with being in at the time!.
At the age of 26 i went to school to get my degree and i started to do a lot of company modeling (catalogs) for different companies on the side to pay for my education.
I spent 9 years in total getting my degrees and working on the side to put me true school.
I was then recruited to my first job at a privately held company with over 300 workers that believed in mental health benefits for all workers.
And i can tell you that a lot of workers that would have been out on sick leave for mental issues never got that far because we caught them in time!.
I meet all workers one day a year to evaluate their mental health status, and around 20% of the work force needed additional help during a year.
And around 10% of the workers i saw each week for at least on hour.
This was my first job and i gave it my all.
Then the company got sold 8 years later to a global corporation and i was laid off pretty much on the spot.
Because they closed down the mental health program within the company on the spot.
So then i open up my own practice where i mainly focused on small and medium sized business owners and their families, and this way i got familiar to the mrlifeadvise company, even if the mrlifeadvise is not the company name, but rather the brand for these different consulting companies.
One of my specialties is to do couples counseling but also to help single men figure out what they are really looking for in their next relationship!.
So by identifying the things you are looking for in a partner , before putting yourself out there on the singles market, is a very good idea to avoid getting burned and wasting your time dating people that you will have no logical future with.
So if you are a male and a small or medium sized business owner, and you are looking for a women who will understand the life that you are living and breathing your business 24/7, 365 days a year, you will have an uphill battle in-front of you.
Because the reality is that as a small or medium sized business owner you need to work 24/7 and also 365 days a year.
This is of course a truth with some modification, but lets me honest and say that you can not let your business go for a 30 day period and go on vacation, unless you have a great team in your company that can run everything while you are gone.
So i have developed some very special tools that will help you as a male small or medium sized business owner to screen potential life partners .
And i will share them with you going forward.
I have promised mrlifeadvise to post one blog posts each week on relationships.
And this will mainly be based on my experience as a clinical psychologist and relationship therapist for the past 20 years time working with a broad range of different type of clients.
So you will get a lot of really interesting pointers from me what to look out for and what to look for to find a good partner, that will understand and accept your lifestyle as a small or medium sized business owners.
One final and very important note, is that if i talk about a client then that client has given me the right to share his or her story with you the reader.
So there is no breach of confidentiality on my part,towards my current or former clients.
Hi,guys, so we want to take the opportunity to welcome Maria as our main relationship expert.
A lot of our clients have asked us for relationship advise and the most of us have been married several times so we might not be the best guys to give advise on this topic more than from our point of view (male).
Maria is a former runway model from Paris and Milan in the 1980s and she has been working as a relationship adviser for the past 25 years time.
So she will post once a week a relationship post with good advice for our readers.
So one of our clients had noticed that we talk a lot about gambling addiction at mrlifeadvise at the moment.
So we will explain here why we currently are pushing this topic on our site.
More people than ever are today 2020 addicted to different things than ever before in our history.
Also we have never ever seen so many gambling addicts around the world as we do today 2020.
And it is increasing in the same amounts as the opioid crisis is.
For us this is an emergency that needs to be taken seriously.
The deregulation of the gambling markets are destroying people and families like nerver before in human history.
Also the big danger with gambling is that a person that gets addicted, if it is the wife who gambles on the slot machines or the husband or sports-betting or poker or black jack.
Regardless of what people are betting on , it is absolutely crazy right now around the world.
The children’s college funds can be gambled away in a few months time or in a year.
And those kinds of things can tare a family apart completely.
And also gambling affects your work in so many different ways on the negative side.
If you lost a big bet on NFL Sunday games, you will be in a shitty mood come Monday.
And that will affect your work preformance a cross the board.
Wayne Rooney, the very famous soccer/fotboll player lost huge amounts of money when he was younger, and he said that his performance on the pitch absolutely was affected by this gambling.
There are smart managers in many different companies around the world that are starting to study what the employees do on their free time.
Because a gambler in debt or short on cash, is actually a danger to the business even as an employee.
There are a lot of CFOs from smaller and medium sized companies who have lost their job because they have borrowed money from the tilt so to speak to try and gamble back their losses, which of course never work out well!.
So we see more and more when mrlifeadvise in called in to advise on different situations in smaller and medium sized companies that gambling is a huge problem for many in the management team, but also with the floor workers.
Addiction does not discriminate, and gambling addiction is one of these things that if you lose half you salary every month to gambling it does not matter if you make 2.000 or 20.000 dollars a month.
It will affect you equally, it is just the sums of money that are different.
So do yourself a favor if you have started to gamble use NEGA our program to quit gambling , and if you have never gambled in your life, never ever start.
You can never become a winning player.
We dare the people who say that they can live on gambling, as their main source of income to proof that over a longer period of time!.
These people are very few and very far apart, that we can guarantee you.
There are of course always exceptions.
But in general 99.90% of the people who gamble are losing gamblers, and the 0.1 that are winners they would make much more money holding down a regular mid level job!.
So dont fool yourself, you are not gonna win.
And most of all you will never ever catch up with your losses.
So stop chasing you losses, the money is gone and stop flushing down more money down the toilet!.
So we have some really exciting news to share with you our clients and customers.
After doing a lot of writing about gambling hell/addiction for a lot of our clients that we have treated over the years, we have been able to secure the rights globally from Richard (the Swede) who developed NEGA for treatment of gambling addiction more than 15 years ago!.
We have used NEGA on our clients with a license from Richard for more than 10 years time!.
And now we have been able to acquire the global right for it to mrlifeadvise.
So we will offer it to you who wants to stop gambling or who has a relative who wants to stop gambling for ever.
Nega stands for never ever gamble again!
We will offer it to you, for the very fair price of 29.90 dollars for the program.
This program is the first of its kind, because it involves your family and friends , which quite frankly is the only way you will get truly clean and stay on the wagon in the future.
It is also a long term program 3-7 years, depending on the person getting the treatment.
But it is truly a blessing that we have been able to secure these global right to this program NEGA and that we can share it with you our clients and customers.
So be on the look for a downloadable pdf-file within the next 10-12 days on this site.
This is gonna be a very important post and it is meant for you single parents out there without a family to lean on, and no way of giving guardianship of your kid/kids to your family if you pass away while your child/children are underage!.
So mrlifeadvise has come up with a solution for single parents can try to avoid their children ending up in the system as we all know is horribly broken by to much demand.
SO FIRST OF ALL, ALL SINGLE PARENTS SHOULD HAVE A LIFE INSURANCE POLICY OF AT LEAST 500.000 DOLLARS.
THIS WILL COST YOU FROM 25 UP TO 60 DOLLARS A MONTH AND YOU NEED TO COME UP WITH THIS MONEY NO MATTER WHAT!.
So usually if you dont smoke, you can get a 500.000 dollars life insurance policy for under 40 dollars a month.
If you are more of a risk it might double, but you still need to have that.
Leaving a life insurance policy to your kids is a huge advantage for them in their future life if you have an untimely passing.
So this is the ground rule that you have the life insurance policy in place.
And everybody can afford the policy it is just about cutting out alcohol,tobacco and fast food, and the amounts will start to add up in saving for you, regardless if you have a normal salary or if you are working for minimum wage.
So about single parents teaming up to help each other, but to also play the roll of guardians in case something god forbid happens to you, so your kid/kids gets left behind without any parents or relatives what so ever!.
So today with social media and facebook you should start in your area a closed group of single parents lacking family in the area or family ties what so ever.
Usually the right play here is to keep the group to between 10-15 single parents .
If you widen the group to much it does not get as personal as this stuff needs to get, to make it work.
In smaller areas 5-8 parents in a group is okay also.
The thing you need to understand here is that this group is not for dating , this group is for trying to help each other out on a weekly basis, with the so called parenthood!.
So a few ground rules for a parent group like this is as follows:
Nr1: It does not matter if you are a republican or a democrat or an independent, this has no baring what so ever in this group.
Nr2: Religion and race is more sensitive, because you need to at least have the same core values, so here every group has to set its own terms.
Nr3: This is not a group that you should look up or look down on people, based on salary or job title.
You should also generally in your life judge people based on how they treat you and others around them rather than how much they earn or what they do for a living.
Nr4: Try and have one meet up every week, and we recommend from mrlifeadvise that you schedule it for SUNDAY!.
Here you can have a weekly meet up in the park for instance.
Try to make it from like 12.00 a clock to 17.00 a clock so you get a full 5 h in, with each other, on a weekly basis.
It is important for the parents to meet up , but also for the children to get to know each other.
Because the plan here is to have close nit group within a years time.
Nr5: Within this single parents group everybody needs to really tone down their own personally, and make friends with all other members of the group.
Remember one of these parents is suppose to be a possible guardian for your child/children in case something happens to you, while they are under aged.
Nr6: Within this parents group the idea is also to be able to help each other out with simpler chores to save money.
I scratch your back and you scratch my back, this is the idea also.
So every parent can do something and every parent is good at something.
So help each other out, as much as you can.
The golden rule here is that this is a thin line that you are balancing on, so dont use anybody, if you ask for a favor, do one in return A.S.A.P.
Nr7: Try and make this group work, so if there becomes issues, which it almost always does within the group, have one person who is voted by the members as the mediator, somebody with some authority and some experience is problem solving from the military or the business world.
Somebody who is used to lead soldiers or team members.
A few final thoughts on a group like this, based on our experience within the few groups that we have put together over the years, the golden rule is that this group is a support group and it is intended for your own peace of mind to know that if something happens to you god forbid, while your kid/kids are under aged, that somebody will be there for them so they dont end up in the broken system that the foster care and group homes are these days.
Dont get us wrong, there are fantastic people running foster care and group homes, but they are 1/10.
And in 6/10 they dont care, they just do it for the money, and in 3/10 they are just horrible places for children to be at, with unstable foster parents, or borderline unsafe and unhealthy group homes.!.
Also you need to understand that ones your kids turn 18 ,they age out from the system, and basically they will be on the street the same day.
All alone without family and nobody to call or go home to, and this is a horrible situation.
Then there are a few other things that you can do as a single parent in your neighborhood, and that is to befriend lonely elderly people who have nothing but time on their hands.
And a lot of them have raised children themselves and the have a lot to learn to a child, and a lot of them would jump at the opportunity to have more meaningful days.
Being a lonely elderly person with limited social security checks is not such an eventfull life to live.
So dont be afraid to befriend people in your neighborhood,and as every single parent has to use your gut when in comes to people.
It is quite easy to befriend elderly people , ask them if they want to come over for a cup of coffee for instance to begin with and then take it from there.
So here you single parents have a great idea to secure the future for your kids , if the worst case scenario happens.
But these groups are also a great support system for helping each other out with something that is very difficult like parenthood is, and particularly single parenting.
So let us talk about Patrik and his story and the shit that went down in his life due to a serious gambling addiction on ONLINE Slot machines.
Patrik was a 42 years old male who was a business owner in the construction sector of building allergy free homes and offices.
He focused his business model on building high quality allergy free homes and offices and he employed over 100 people all and all.
He started at the age of 23 his own company.
Patrik had a wife who was 10 years younger than him she was a mom and a wife who worked from home in the food catering business.
And they together have two daughters who where 5 and 7 years old when Patrik decided to take his own life due to the compulsive gambling addiction that he had developed over a 5 year period.
So Patrik operated and owned his own construction company and Mrlifeadvise came into contact with Patrik when we needed a smaller allergy free office space for personal with allergy issues.
This was 3 years prior to him taking his own life.
Looking back the signs of a gambling addict was there, if you where looking for it, which we where not at the time!.
Patrik did a great job for us and he came true on every aspect that we needed to cover by law, as a an employer.
So how did this hole thing unravel from being a 37 years old self made successful businessman and a company owner, to a person losing everything and not seeing any other way out than taking his own life to save his families future!.
So this is a very long story short, but the short version goes like this.
Patrik had to be in his office most of the time all days to cater to his foreman and other management personal that had different construction project going on around the clock.
But he also had a lot of down time, but he could not leave the office to go and do something outside the office.
And sitting in the office all days , with very little to do, since they had all the business they could handle became very boring and boring very fast.
Patrik had seen for years these adds that says deposit 200 dollars and get 200 dollars free as a casino bonus on online slot machines.
So since he had access to time and his laptop he decided to give it a go , this was 2012, so 5 years prior to everything unraveling in his and his families life.
So in the beginning he played some and won some and lost some and it was fun to play different video slot machines.
He played around 2-3 hours a day at the office and that was that.
The first year he lost around 15.000 dollars and that did not affect him what so ever.
During the second year he played a bit more and lost around 60.000 dollars.
Now these are still amounts that he can easily manage to lose.
But now he was down 75.000 dollars and as person who did not like to lose, here he makes the gamblers worst and most common mistake, he starts to chase his losses.
The reason why you should never chase your losses in gambling or on the stock market is that 99% of the times you will just end up losing much more than you had lost in the first place due to this chase.
And it is always better to walk away from a loss, than to double down and lose another large amount, and then you are even deeper in the hole than you where before you started to chase that loss.
So year 3 of online slot machine gambling is where all hell breaks lose and Patrik ends up losing 400.000 dollars more.
And still he can manage this amount, he has a good business and a paid for house and a cabin both in really desirable neighborhoods.
But his gambling becomes compulsive and he realizes that he needs to quit.
So he writes to the operators of these sites that he wants to self exclude from ever gambling there again.
Some close his accounts and never open them again even when he asks them to.
Some close the accounts but open them up again time and time again when he ask them to do so, which is both very unethical and highly illegal and the game providers/casinos licensees should have been revoked years ago.
But the regulators seldom care about these breaches, like in so many other professions, money talks and bullshit walks!.
Now Patrik starts to play at home even when the family goes to bed at 10.00 a clock pm , he starts to gamble online at the casinos sometimes the whole night and sometimes until 04.00 a clock AM.
To his wife he says i need to work on new projects during the night to get them finished.
Everybody around Patrik starts to see a real change during the third year of online gambling, he does not care much about his company, and lets things slip, and lets people who should not take the decisions take them in the business due to him not having any time to look at business related things more than to just sign his name on the bottom line.
He gambles now 14h a day.
At this point he has over 30 active casino accounts online and he plays with bets around 20-40 dollars per spin.
And if you dont know this , these are really high bets on online casino games, where most normal people bet maybe around 1 dollar per spin or even less.
He has now days where he ends up losing over 50.000 dollars a day.
Some days he wins, but normally he ends up losing it all back pretty quick to the casinos.
Patrik is no longer chasing his losses anymore, he is now gambling for the sake of gambling, and he is now a full blown compulsive gambler at this time.
During year 4 he loses 1.2 million dollars.
And now it starts to affect his own economy, he has blown true all of the families savings and this is the beginning of the end his life as he knows it.
During year 4 his business takes a big hit with an office space they have built for a company that goes under, prior to the building being ready for occupancy.
His company ends losing over 5.4 million dollars on this project and the company is in real jeopardy.
Patriks starts to increase his bet size to 100 dollars a spin to try and win big, to also help his company out.
But there is no way he can save his company, so a larger construction company offers to take his company over, and to save the 100+ workers he has on his payroll and keep those families hole, he basically walks away from his company with a small sum of money.
Year 5, Patrik is just sitting at home gambling all days.
And now he is in the final stages of losing it all, he takes out a mortgage of 900.000 dollars on his home and his cabin , that he was owned for over 10 years with out any mortgages.
He ends up losing this money in around 5 months time, and now it is time for his final step, which is to cash in his 401K.
He gets after penalties for taking out the money early around 800.000 dollars and he ends up losing that money inside a two month period.
Now he has no money left , he has no company, no income, and is under water with his mortgages at 900.000 dollars.
During the last 24 months time, Patrik has tried to quit gambling on his own , he has gone to Gamblers anonymous a few times, but allure of being able to play online casinos at home, just controls his brain as the disease it actually is.
So you see here that during the first 2 years he had the chance to corrects his behavior, but by year 3 he was so addicted that it was no longer possible for him to do on his own.
In a situation like this, the hope would have been that the relatives and friends, co-workers could have made an intervention and got him into a treatment facility for a longer period of time, and then handled his fiances for many years to come.
So this is how it usually looks like when business owners gets addicted and they end up losing their company and their assets.
The problem is that as a business owner you need to have access to cash to run your business and if you are a full blown addict you will listen to your addict brain first and foremost.
So as an addict someone else should have the power of attorney of your decision making when you your brain chemistry has been altered to the point that you can no longer fend for yourself or your company.
So gambling addicts have the highest rate of suicide compared to any other addiction out there.
And after the opioid addiction it is considered the worst one out there.
Please think about that when a casino wants to open in your area or if you get an offer to gamble online that this will happen to 10% of all gamblers, they become compulsive gamblers.
So what really happen to Patrik and his family.
So Patrik had one of these new age life insurance polices that will pay out even at suicide if you have held the policy for over 10 years time and you had a clean bill of health when you took the policy.
Patrik had held the policy for over 15 years time, and he was worth 1.5 million dollars to his family dead!.
But in his mind, he was never gonna be able to stop gambling he felt worn out beaten down and finished in every way in his own mind.
He had made the decision ruffly one month prior to him taking his own life, and like with so many others who had taken that fatal decision before him, he got a big boost of energy making up his mind on this matter.
So during his final month on earth Patrik went around saying goodbye to all of his family and friends.
And everybody blames themselves for not understanding or seeing the signs but the reality is that gambling addicts cover their tracks very well since they often dont have as many symptoms showing on the outside like a normal addicted person to pills or alcohol has.
So the last 72 hours of Patriks life, he spent with his family and the families German shepherd named Rex and cat name Blue that he really loved both so much.
They spent a great weekend out in the cabin and he told his daughters and wife how much he loved them from the bottom of his hearth.
On Sunday evening when the family had arrived back home and everybody had gone to bed, even the pets, he made a round in the house and kissed everybody goodbye on their forehead while they where all sleeping.
And he gave Rex and Blue each a treat and told them to look after the kids and his wife.
On Friday prior to this last Sunday, he had mailed over 40 suicide letters to family and friends explaining why he was gonna take his own life.
AND THEN HE HAD WRITTEN A 20 PAGE LETTER TO HIS FAMILY(WIFE AND KIDS).
These all arrived the following week!.
So at around 02.00 a clock he took his gun a bottle of Whiskey and a chair with him and he left his wedding ring on the kitchen table.
But he had his wallet with him, so the police could id him on sight.
This was in late November and his life insurance policy that was always paid in full for a whole year, during the first week of January, was about to expire in less than 7 weeks time
He walked 20 minutes up to a hill that looks out on top of the city, he drank half a bottle of liquid courage and then he pulled the trigger and that was all she wrote!.
So he left his family whole financially, but completely broken emotionally.
I meet his wife at the store last week and i asked if we could use her story to warn others not to embark on this dark and lonely road of hell on earth that gambling is!.
I asked her on how she and the kids are doing today, and she said that the first year was ruff, due to the kids being so small and not really fully understanding why daddy is no longer coming home to them ever again!.
She also said that having Rex and Blue ,(dog and the cat) gives the kids and her strength to move forward since animals(pets) are usually really good with kids and adults that are suffering in one form or another.
Since the daughter share a bed room she told me that Rex sleeps in the bed with one daughter and Blue sleeps in the bed with the other daughter.
And the mother told me that this started 2 days after Patrik was gone, and ever since then the dog and the cat almost protects the kids during the night time!.
She did not believe her eyes at first in the beginning, but now she is so used to this behavior.
I asked how she was doing herself as a widower and a single mother, and she told me that she runs a 10 person catering company these days.
But she had not started dating anybody yet, she told me that after 10 years of marriage, she is still not used to being single yet.
She still loves Patrik and hates him at the same time for putting her and her kids in this situation.
But she also understood that she was on of the lucky ones that financially they survived, due to the unusual life insurance policy that her husband had, NORMALLY SUICIDE IS NOT COVERED IN ANY LIFE INSURANCE POLICY.
And she had made peace with him being sick/addicted and not himself when making this decision to end his own life this way.
Which in her mind was to protect the family from his addiction and mistakes.
But she also told me that she would have moved into a 2 bed room in a not such a nice area 100% of the times if that would have meant that PATRIK WOULD HAVE STAYED ON EARTH!.
So the life lesson to take way from this very sad story is that, when you start gambling you dont expect to get addicted, and you dont know for sure if you are one of these 10% that actually gets addicted, and end up derailing your life and your families life in the process.
SO NEWER EVER START TO GAMBLE, AND NEVER EVER START TO GAMBLE ONLINE!
ONLINE GAMBLING IS MUCH WORSE SINCE YOU CAN DO THAT IN YOUR OFFICE OR IN YOUR BEDROOM!.
You dont even have to psychically visit the casino these days in some parts of the world.
And this is super dangerous.
So as a business consulting firm that Mrlifeadvise is, we recommend that you never even try and gamble, and if you have tried it and like it, stop.
And if you are gambling more and more each year, then think of this story of Patrik and do not go down the same road that he took.
The only winners in this story are the cold heartened online casinos that do not care if you are a problem gambler, they do not care about you and your family, like the cold blooded snakes they are, they just care about the money.
So do not feed this beast with one single dollar ever again!.
For Patrik it was a few millions that broke the camels back, for some business owners and people it can be as low as 20.000 dollars that destroys your life and your business.
So the amounts are different for everybody, but the end result is the same, pain agony and destruction.
Thank you for reading.
Mrlifeadvise.
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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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