Creating Opportunity

16 04 2009

It just break my heart to see so many capable and dedicated people lose their jobs and possessions;their homes, their cars, their credit and sometimes even their relationships.

I am not sure if this a common practice, but I found out that some employers now check on candidates and employees credit reports in order to get hire or dismiss personnel. This brings a whole new set of situations to deal with when you find yourself out of work for too long. I don’t believe is fair that credit reports get so much weight on hiring decisions specially during these hard economic time. Most of the people are responsible with their credit at least paying the minimum amounts if they can. Credit card companies are so unwilling to work with their customers that they continue to raise their interest rates without any concern for the ultimate result, default. When a customer is having a hard time paying their debts but are willing to continue paying what they should do is reduce the interest rate and work towards a solution, it is much better than to have to write the account off and never get their money back. I believe this is an issue the government should also consider taking in, with this kind of domino effect on people’s financial state the economy will take a very long time to regain its strength.

If people is not able to find work the next thing to do would be to create and opportunity for themselves. This time could be turned into a blessing as we learn how to use our hard earned money. There is no doubt that somehow this period of time would be remembered by the time when we learned what is really important in our life and a deep understanding of the many blessings of living a simple life. Families are getting closer together as they try to help one another stay afloat. Our children for once learn that they can’t have everything in life and that they need to prepare for the unexpected.

I come from a family where hardships came and went, right from the start my parents looked to work with the ordeals that presented themselves in their life. There was always a moment when an important decision needed to be done in order to change the course of their financial situations and I believe the same thing happens to all of us.

My parents lived in a very small cottage far away from town when they first got married, it was a place who needed much work and his brother owned it, he let if fix it in exchange to live there for free for two years. They had no water or electricity, my dad would come with a tank of water in the back of the truck every afternoon after work and I was just a newborn. I can not imagine having to wash dirty diapers and clothes by hand, cook and clean without potable water but that is what my mother did. Then all the sudden my dad hit the lottery and got enough money to purchase 5 1/2 acres of land. He gave a deposit and with the rest of the money built a small house. They lived there a few years while he work as an excavator operator for someone else. He noticed how busy they were and the phone would not stop ringing for more and more work to be done. At that time the property purchase agreement was coming to an end and he decided to sell it instead. He had divided the lot in two; one empty and the other with the house. With the sale money he had enough to buy another home or a brand new excavator to begin working on his own. He consulted my mom about it and my mom told him to go ahead with the business idea instead and she would move in with her parents and me and my dad to his parents for a while. But the lawyer who sold the lot to him had another property pending in his investments and wanted my dad to see it. My dad liked it but had no money but $1,000 after buying the excavator to cover for the payments just in case he could not get work. The lawyer went ahead and bought the house and offered it to him with the $1,000 down payment and a $500 payment every six months for 3 years. So my dad would let go of the $1,000 he offered to lend him the money back if he needed it at any time if he had no work to cover for the excavator’s payment. Well, my dad didn’t have to borrow the money he had enough business to make the payments and his business began to grow from there. From one excavator he expanded to a few different equipments that he bought as he got jobs for them, many times he would get a contract and then buy the equipment needed to complete it and most of the time with the rental of the equipment the machine was practically paid off. It wasn’t long before he then bought a better and bigger home closer to town. Every 5-7 years he would move to a better place. He invested his profits in more properties, some land and some with houses in that way he was able to get loans against the properties if needed or sell them in order to expand or survive. He has so much work that at one point instead of continuing to grow his business his brothers began to buy equipment also and he began to pass work to them. Today most of the family owns and operates heavy equipment and transportation trucks. My two brothers are two top operators for a company in the United States.

Changes always bring a whole new spectrum in our life; we can be affected emotionally as well as financially and my parents lived through it too. When they decided to move to the United States they left behind all they had built for 20 years, but at the time it was what they thought needed to do. It wasn’t long when they realized that they couldn’t make it here and went back to the island to begin all over again. Hard work and determination helped him build his business again, but by that time other big companies started to move in to the island and in the next 10 years the business began to decline. He concentrated in real estate then and with that he has been able to survive. What I want to say here is that we need to pay close attention to the trends and changes and continuously look for ways to put our energy and talents into something that will be of service to others. Do not keep looking at what you lost but look at what you have, what’s lost is lost and only looking forward you will be able to create something that will work and provide the necessary means to sustain yourself and your family.

Tell me your thoughts. What do you think these times are teaching you?


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4 responses

16 04 2009
Sherita Searcy

Clary, I will share this with you. Last night I went to a bible study and we were shocked at the number of people who would be possibly losing their jobs by the end of the next month. It was nearly 65% of people in the group. We found that of that number 100% of them dealt with a great degree of worry and fear.

This “rest”session is teaching me to rest in the unknown. We have for to long depended on our own systems of security that we block God from allowing us to be free to do and be what we are called to. More now than ever, people are branching out and finding new ways to discover the beauty of their own human potential and the value of authentic relationships.

Now is the time to discover who we are …because we can!

Sherita Searcy

17 04 2009
Samnang

wow! Here in Ontario it is illegal for employers to ask or check out your credit ratings or any other personal info for most job positions.

The city where I live has been undergoing a lot of change over the past 20 years. First the textile industries left, most to Mexico. Then the auto parts suppliers began closing up. But the city was already transforming itself to high-tech so the recession isn’t affecting us as badly as other cities that remained highly dependent on manufacturing jobs.

Having said that, my job is also uncertain at this time. But after 15+ years there, a change would not be such a bad thing. And our government is funding programs and giving grants for people whose companies “downsize” or close during this time so that newly unemployed people can get retraining to find new work in different fields.

17 04 2009
adamtree

I suppose my view of the changing economy is a bit skewed. Texas has not had some of the trouble other states have had, and my back injury puts me in an unusual situation.

I am learning, though, that God takes care of me. Tuesday was one year from the day I was hurt. My family hasn’t gone without anything we need.

17 04 2009
clary

I guess we all share a common view on this changing times, change can be good and what Sherita says about the time to find out who we really are, there is no better time than the present moment. Let’s not wait until the change is forced upon us, let’s begin for the path right now.

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