They stopped training credit officers who were able to analyze the risks of lending to idiosyncratic businesses, and to the extent that there will still old-school branch managers who had those skills, they cut or got rid of their ability to make discretionary loans and also gutted the higher level supervisory apparatus for small business loans.
And to what loan instruments do small businesses turn, if not the above? Credit cards. But interest rates have gone sky-high compared to previous decades. Miss a payment, you can end up in usurious ranges (30% or more, rates that shouldn't exist). So small business is suffering in America. More than it should. Politicians really want to brag about us on one hand, whip and starve us on the other.
... the term seems to be having its moment in Santa Fe right now. I've had more than one client use the term in casual conversation. It was a rara avis previously.
"Clownshoes" Ryan strikes again. That's all I need to hear. Boo, hiss. If someone would throw a lifeline to small business in America, the prosperity would go off the charts. We just need a freaking break, that's all.
Success in waxworks involved not only artistic skill and patience, but an ear to the ground and fast feet: when Charlotte Corday murdered the radical Jean-Paul Marat in his bathtub, Marie got to the scene so fast, the killer was still being processed by law enforcement as she started work on Marat’s death mask.
Hustle and personal branding for the win?
... so postings will be even thinner than usual. Confluence of circumstances puts around four projects in my lap, one in particular needing all my time. Better than no work! Just thought an explanation was in order for the odd posting schedule here.
Since we spend 46.9% of our days with our minds wandering away from a task at hand, we crave the ability to keep it fixed and on task. Yet, if we built PCD, 10- and 90- minute naps, and psychological halloweenism into our days, we would likely preserve focus for when we need it, and use it much more efficiently too.
Great article, don't miss it.
I mentioned this before years ago - beware kneeling chairs - and now kneeling desks. If you wear jeans or cords and have hairy legs, during the process of repeatedly sliding in and out of the knee padding you'll rip the hair out and have bald spots. Speaking from experience. "And it don't grow back." Knee-toupees aren't an option. Kilts will be out for you, everafter. I shave my gams for cycling in the summer, so it's not a big deal. But if your aesthetic runs to Burt Reynolds bear rugs and manly shorts ... you may wish to prefer the standing desks.
This suggests that, in fact, more people are relying on gig work such as driving for Uber/Lyft or working for delivery services as part or all of their main household income and not the "side-work" the app services have asserted they are. The findings are also noteworthy given the aversion many gig service owners have shown to providing their work forces with the rights, protections, and benefits commonly afforded to employees, arguing that the drivers are contract workers operating on their own time. On the plus side, the study found that 55 per cent of gig workers are women, making it perhaps the only part of the tech industry not dominated by men.
Wilful blinders. I suspect this won't get much real traction. Let me explain my reasoning by talking about a popular blogging niche.
Mommybloggers. Only recently have Mommybloggers started to come clean about their sponsors, affliations and 'staff'. I've watched the niche grow, fascinated and impressed. But there has been a significant lack of candor over the years, causing average people (non-bloggers) to feel 'less than', underachievers. Noone raises kids, writes character-filled long blog posts, takes technically perfect photos, manages a full spectrum of social media channels, answering commenters, and/or creates ebooks or video courses by themselves. Oh, some have tried - they crash and burn in weeks/months. People are wising up to the fact that if it looks like a perfect life, "it takes a team." Family, husbands, virtual assistants, social media 'by the hour'. The niche is rationalizing the discoveries of substantial backing as 'being a good businessperson.' Doing so seems to salve most of their audience. It is truly astonishing how much the more popular ones earn for posting sponsored goods. Most now disclose immediately, thank goodness.
Given that, look at Ivanka again. What is she doing, that every other Mommyblogger isn't already doing, hasn't already done? So I theorize this won't go far as a condemnation - many of the people who might be offended are already acclimated. And find it admirable.
This sounds intriguing, given the uptick in robocalls lately. The 'do-not-call registry' seems to be falling on its face. Dealing with these bogus calls really does destroy productivity when you're a two-person shop.
“Research conducted by myself and others shows that medical cannabis patients are substituting cannabis for pharmaceuticals at a very high rate, and for alcohol at a pretty high rate as well.” Indeed, alcohol and pharma groups have been quietly backing anti-marijuana efforts across the country.
You don't want to imagine this kind of stuff goes on, but it does. No better than the tobacco industry, really, all in all.