Showing posts with label well-being. Show all posts
Showing posts with label well-being. Show all posts

Friday, 12 August 2022

What they don't deal with in your business plan

Looking back at the mistakes made leading up to business failure is something which is done on a regular basis, in many cases with the help of seasoned professionals. It can obviously be a useful learning exercise. However, wouldn't you think that with the wealth of experience which has built up around this, business start-up advisors in banks and other business support organisations would by now have started going a little deeper into exit strategy implications?
Looking back on my experience, my business plan got more than a small thumbs up from many experts for its comprehensive content - marketing, staffing, profit & loss, cash-flow etc. Mistakes in all these areas contributed, to a greater or lesser extent, to the business failing. Even my exit strategy of "selling" the business once it had achieved its 5-10 year growth projections was seen positively - and there in lies the problem. No-one really pushed me on the negative exit strategy which I am living through now.
Don't get me wrong - like many entrepreneurs, rightly or wrongly, I may or may not have been so blinkered in my determination to get the business going, that I would have been blase about such failure. However, I believe that if the frightening consequences of failure had been presented in a constructive realistic manner, the very real pressures of debt and re-inventing my life would have made me think a few more times than I actually did - I am (was?) a optimistic realist at heart and I'm more than capable of assessing risk etc.
So, what don't they deal with in your business plan? They do not address your true capability and resources to deal with absolute meltdown, financially and mentally. It's impossible to see all the reasons why a business may or may not fail (recessions, for example, come and go with random unpredictability) but I now believe that it is possible to address the consequences of failure and to present a few nightmare scenarios when assessing the business plan.
And why don't they do this? Well, let's take an example from my personal case: a lease company requesting a personal guarantee which I was unable to provide meant me going to a family member. It took a few phone calls and email exchanges to finally get them to admit that in the worse case scenario, house repossession would be an option and I was able to make a judgement on that (a very mistaken judgement in hindsight). They were unwilling to present the worse case scenario up front because they just wanted to push for the leasing arrangements to be taken. That family member is having to deal with the ugly consequences of my erroneous decision - happily, for the moment, without house repossession.
So what don't "they" deal with in your business plan? They don't really deal with effect of failure - and this failure should not be restricted to the business - they should deal with the effect on the physical and mental well-being of real people. Some people are more capable than others of dealing with bankruptcy, insolvency, mental pressures etc. In my case, it has completely flipped my personality - taking the 80/20 rule, I was previously 80% optimistic, 20% realistic compared to currently 80% pessimistic, 20% pessimistic! All individual circumstances are unique but I believe there are certain factors which can't be ignored when assessing a business-person's capability to recover and go forward.
These factors include and are not limited to
  • age
  • financial resources
  • career and experience
  • support network
So, with just under a couple of years of business experience, I am able to say that, irrespective of the business case, my personal situation and lack of resources should have sounded some alarm bells. I may be fooling myself but I believe that with a little realistic insight based around factors such as those above put up against worst case failure scenarios examined by experienced professionals, my business venture would have been based on stronger foundations, if indeed, I would have allowed myself to have built it at all.

(Originally posted 04/10/2009)

Tuesday, 29 November 2011

My brief return to the football world

Following the loss of football professional Gary Speed, I came across this sensitive tribute on David Connor's Coethica blog My comment on David's blog was as follows
Even though I never met Gary Speed, he always struck me as a very genuine, grounded professional in a sport which I have turned away from due to what I consider to be obscene amounts of money and over-inflated self-importance of most of its participants. I was surprised at how shocked I was when I heard the news and even more so hearing the cause. 
At a much lower level, I have experienced the lonely darkness of separation, running a struggling business, the spiralling, deepening abyss of its failure and the consequences which continue today 2 years later. If I’d had a heart attack or a stroke, I’m sure those around me would have found it easier to deal with. And maybe I too would have found it easier to ask for and obtain ongoing support. 
But the fact is that, being of a certain social and educational background, the expectation (from others and possibly from myself) is to “just get on with it”. It is this expectation which turns most of us into “human doings” rather than “human beings”, all for the sake of surviving in a monetary-based system in which sensitivity, empathy and co-operation are diminishing values.
RIP Gary Speed

Wednesday, 5 October 2011

What has The Channel or The Atlantic got to do with the NHS?

Besides, The Channel and The Atlantic, this post reveals what Barons and Baronesses have got to do with the NHS...

Here is my letter to Baroness Morgan regarding the House of Lords vote (11th October 2011) on huge, dangerous changes to the NHS - this is part of the 38 Degrees campaign to save the NHS. See the end of this post for more information.
Dear Baroness Morgan 
I trust that you will reflect carefully on the proposed changes to the NHS which could mean people's lives coming second to private company profits and their shareholders. 
I believe that Britain is a society emerging out of the best traditions of European values of diversity, tolerance and consideration of others. We should be looking across the Channel and North Sea for our inspiration for solving problems of the 21st century rather than looking across the Atlantic.  Having experienced life on the continent, I am convinced that our health, both physical and mental, responds best to co-operation and consideration rather than competition and coercion. 
Please ensure that any changes to the NHS allow Britain to continue valuing the quality of life of all its citizens over the quantity of shares of a few.
So please read the email below which prompted this aristocratic interaction and then check out 38Degrees' new “contact a lord” tool, to write your own message now: https://secure.38degrees.org.uk/contact-a-lord

And, if you are able to contribute to 38Degrees campaign, please do so at this link
https://secure.38degrees.org.uk/page/contribute/nhs-lords-donate

Email from 38Degrees

Most of us don’t contact Lords or Baronesses all that often. But this time, we need them to listen. Next week the House of Lords starts voting on huge, dangerous changes to the NHS. [1]

It’s up to us to persuade the Lords to properly look at the NHS plans - and to vote to protect our health service. And thanks to the rapid donations of 38 Degrees members, we have a brand new tool which makes it easy to get in touch with them.

Just today, 400 Public Health experts wrote to the Lords warning that the plans "will do irreparable harm to the NHS, to individual patients and to society as a whole." [2] The more people Lords hear from the better - let's send our own personal messages now.

Check out our new “contact a lord” tool, and write your message now:
https://secure.38degrees.org.uk/contact-a-lord

Contacting a Lord or Baroness is a bit like contacting your MP. We don’t elect Lords, but it’s still their job to look carefully at new laws and rein in the more extreme whims of the government of the day. They have the power to propose big changes to the NHS plans, or even to throw them out altogether. [3]

Sincere, polite messages from informed members of the public are crucial to persuading the House of Lords to block the threats to our health service.

Working together, we can remind the Lords that we never voted to open up vast swathes of the NHS to private companies. It wasn't in any election manifesto to scrap the government’s duty to provide health services. [4] We didn't vote for our health service to become more like America's - let's persuade the Lords they shouldn’t vote for this either!

It will only take five minutes or so to contact a Lord. Click here to get started:
https://secure.38degrees.org.uk/contact-a-lord

By all working together, we've already held up the government's dangerous plans for our NHS and forced them to make some positive changes. But there's still so much more to do. Imagine the impact we can have if we send thousands of messages to the House of Lords from 38 Degrees members up and down the country.

Please take five minutes to send your message to a Lord or Baroness now:
https://secure.38degrees.org.uk/contact-a-lord


Thanks for being involved,

Johnny, Cian, Becky, Marie, David, Hannah and the 38 Degrees team


P.S. These kind of web tools usually take months to build. This one has been built in a hurry because the Lords start voting next week. So please be one of the first to try it and let us know if you have any feedback once you have:
https://secure.38degrees.org.uk/contact-a-lord

NOTES

[1]The 'Second Reading' in the House of Lords is expected to be next Tuesday 11th October.

[2] http://www.independent.co.uk/news/uk/politics/david-cameron-defends-coalition-nhs-reforms-2365331.html The letter warns that Lansley's plan "ushers in a significantly heightened degree of commercialisation and marketisation that will fragment patient care; aggravate risks to individual patient safety; erode medical ethics and trust within the health system; widen health inequalities; waste much money on attempts to regulate and manage competition; and undermine the ability of the health system to respond effectively and efficiently to communicable disease outbreaks and other public health emergencies."

[3] E.g. In 2008 the Lords forced the government to abandon plans to allow police to hold some suspects without charge for 42 days after massive public outcry and opposition to the plans: http://news.bbc.co.uk/1/hi/uk_politics/7666022.stm

[4] For more on this see 38 Degrees' legal advice on the implications of the changes:
https://secure.38degrees.org.uk/page/content/NHS-legal-advice/

Monday, 19 September 2011

Jimmy Reid's Glasgow Address - Still Relevant After All These Years

image: jimmy reid

From The Independent - "Jimmy Reid, the Clydeside trade union activist who died August 2010 (tribute video here), was an inspiring orator. This speech, delivered on his inauguration as rector of Glasgow University in 1972, was compared at the time to the Gettysburg Address. It has lost little of its relevance."

I have decided to reprint this here to ensure that I have it under my resources should it ever be deleted from the Independent. It is also available on Speakola - Jimmy Reid: 'A rat race is for rats. We're not rats'

My response to the post was
"Thank you for posting this Francis. I'd heard about his death and, thanks to a soft spot for Billy Connolly and hearing on the radio that he was a friend of Jimmy's, had begun to wonder about his role. I find this ignorance sad, given that as a 50 year old, my 70s education lacked inspiration from such home-grown speeches. I'm asking myself why I find myself becoming increasingly politicised when I should be more accepting of "plus ça change" but as the speech states "It is my sincere contention that anyone who can be totally adjusted to our society is in greater need of psychiatric analysis and treatment than anyone else." IMHO, the mistake of the 70s/80s was that the UK was looking across the Atlantic rather looking across the Channel for inspiration on quality of life."
Enjoy and be inspired....

Alienation is the precise and correctly applied word for describing the major social problem in Britain today. People feel alienated by society. In some intellectual circles it is treated almost as a new phenomenon. It has, however, been with us for years. What I believe is true is that today it is more widespread, more pervasive than ever before. Let me right at the outset define what I mean by alienation. It is the cry of men who feel themselves the victims of blind economic forces beyond their control. It's the frustration of ordinary people excluded from the processes of decision-making. The feeling of despair and hopelessness that pervades people who feel with justification that they have no real say in shaping or determining their own destinies.

Many may not have rationalised it. May not even understand, may not be able to articulate it. But they feel it. It therefore conditions and colours their social attitudes. Alienation expresses itself in different ways in different people. It is to be found in what our courts often describe as the criminal antisocial behaviour of a section of the community. It is expressed by those young people who want to opt out of society, by drop-outs, the so-called maladjusted, those who seek to escape permanently from the reality of society through intoxicants and narcotics. Of course, it would be wrong to say it was the sole reason for these things. But it is a much greater factor in all of them than is generally recognised.

Society and its prevailing sense of values leads to another form of alienation. It alienates some from humanity. It partially de-humanises some people, makes them insensitive, ruthless in their handling of fellow human beings, self-centred and grasping. The irony is, they are often considered normal and well-adjusted. It is my sincere contention that anyone who can be totally adjusted to our society is in greater need of psychiatric analysis and treatment than anyone else. They remind me of the character in the novel, Catch 22, the father of Major Major. He was a farmer in the American Mid-West. He hated suggestions for things like medi-care, social services, unemployment benefits or civil rights. He was, however, an enthusiast for the agricultural policies that paid farmers for not bringing their fields under cultivation. From the money he got for not growing alfalfa he bought more land in order not to grow alfalfa. He became rich. Pilgrims came from all over the state to sit at his feet and learn how to be a successful non-grower of alfalfa. His philosophy was simple. The poor didn't work hard enough and so they were poor. He believed that the good Lord gave him two strong hands to grab as much as he could for himself. He is a comic figure. But think – have you not met his like here in Britain? Here in Scotland? I have.

It is easy and tempting to hate such people. However, it is wrong. They are as much products of society, and of a consequence of that society, human alienation, as the poor drop-out. They are losers. They have lost the essential elements of our common humanity. Man is a social being. Real fulfilment for any person lies in service to his fellow men and women. The big challenge to our civilisation is not Oz, a magazine I haven't seen, let alone read. Nor is it permissiveness, although I agree our society is too permissive. Any society which, for example, permits over one million people to be unemployed is far too permissive for my liking. Nor is it moral laxity in the narrow sense that this word is generally employed – although in a sense here we come nearer to the problem. It does involve morality, ethics, and our concept of human values. The challenge we face is that of rooting out anything and everything that distorts and devalues human relations.

Let me give two examples from contemporary experience to illustrate the point.

Recently on television I saw an advert. The scene is a banquet. A gentleman is on his feet proposing a toast. His speech is full of phrases like "this full-bodied specimen". Sitting beside him is a young, buxom woman. The image she projects is not pompous but foolish. She is visibly preening herself, believing that she is the object of the bloke's eulogy. Then he concludes – "and now I give...", then a brand name of what used to be described as Empire sherry. Then the laughter. Derisive and cruel laughter. The real point, of course, is this. In this charade, the viewers were obviously expected to identify not with the victim but with her tormentors.

The other illustration is the widespread, implicit acceptance of the concept and term "the rat race". The picture it conjures up is one where we are scurrying around scrambling for position, trampling on others, back-stabbing, all in pursuit of personal success. Even genuinely intended, friendly advice can sometimes take the form of someone saying to you, "Listen, you look after number one." Or as they say in London, "Bang the bell, Jack, I'm on the bus."

To the students [of Glasgow University] I address this appeal. Reject these attitudes. Reject the values and false morality that underlie these attitudes. A rat race is for rats. We're not rats. We're human beings. Reject the insidious pressures in society that would blunt your critical faculties to all that is happening around you, that would caution silence in the face of injustice lest you jeopardise your chances of promotion and self-advancement. This is how it starts, and before you know where you are, you're a fully paid-up member of the rat-pack. The price is too high. It entails the loss of your dignity and human spirit. Or as Christ put it, "What doth it profit a man if he gain the whole world and suffer the loss of his soul?"

Profit is the sole criterion used by the establishment to evaluate economic activity. From the rat race to lame ducks. The vocabulary in vogue is a give-away. It's more reminiscent of a human menagerie than human society. The power structures that have inevitably emerged from this approach threaten and undermine our hard-won democratic rights. The whole process is towards the centralisation and concentration of power in fewer and fewer hands. The facts are there for all who want to see. Giant monopoly companies and consortia dominate almost every branch of our economy. The men who wield effective control within these giants exercise a power over their fellow men which is frightening and is a negation of democracy.

Government by the people for the people becomes meaningless unless it includes major economic decision-making by the people for the people. This is not simply an economic matter. In essence it is an ethical and moral question, for whoever takes the important economic decisions in society ipso facto determines the social priorities of that society.

From the Olympian heights of an executive suite, in an atmosphere where your success is judged by the extent to which you can maximise profits, the overwhelming tendency must be to see people as units of production, as indices in your accountants' books. To appreciate fully the inhumanity of this situation, you have to see the hurt and despair in the eyes of a man suddenly told he is redundant, without provision made for suitable alternative employment, with the prospect in the West of Scotland, if he is in his late forties or fifties, of spending the rest of his life in the Labour Exchange. Someone, somewhere has decided he is unwanted, unneeded, and is to be thrown on the industrial scrap heap. From the very depth of my being, I challenge the right of any man or any group of men, in business or in government, to tell a fellow human being that he or she is expendable.

The concentration of power in the economic field is matched by the centralisation of decision-making in the political institutions of society. The power of Parliament has undoubtedly been eroded over past decades, with more and more authority being invested in the Executive. The power of local authorities has been and is being systematically undermined. The only justification I can see for local government is as a counter- balance to the centralised character of national government.

Local government is to be restructured. What an opportunity, one would think, for de-centralising as much power as possible back to the local communities. Instead, the proposals are for centralising local government. It's once again a blue-print for bureaucracy, not democracy. If these proposals are implemented, in a few years when asked "Where do you come from?" I can reply: "The Western Region." It even sounds like a hospital board.

It stretches from Oban to Girvan and eastwards to include most of the Glasgow conurbation. As in other matters, I must ask the politicians who favour these proposals – where and how in your calculations did you quantify the value of a community? Of community life? Of a sense of belonging? Of the feeling of identification? These are rhetorical questions. I know the answer. Such human considerations do not feature in their thought processes.

Everything that is proposed from the establishment seems almost calculated to minimise the role of the people, to miniaturise man. I can understand how attractive this prospect must be to those at the top. Those of us who refuse to be pawns in their power game can be picked up by their bureaucratic tweezers and dropped in a filing cabinet under "M" for malcontent or maladjusted. When you think of some of the high flats around us, it can hardly be an accident that they are as near as one could get to an architectural representation of a filing cabinet.

If modern technology requires greater and larger productive units, let's make our wealth-producing resources and potential subject to public control and to social accountability. Let's gear our society to social need, not personal greed. Given such creative re-orientation of society, there is no doubt in my mind that in a few years we could eradicate in our country the scourge of poverty, the underprivileged, slums, and insecurity.

Even this is not enough. To measure social progress purely by material advance is not enough. Our aim must be the enrichment of the whole quality of life. It requires a social and cultural, or if you wish, a spiritual transformation of our country. A necessary part of this must be the restructuring of the institutions of government and, where necessary, the evolution of additional structures so as to involve the people in the decision-making processes of our society. The so-called experts will tell you that this would be cumbersome or marginally inefficient. I am prepared to sacrifice a margin of efficiency for the value of the people's participation. Anyway, in the longer term, I reject this argument.

To unleash the latent potential of our people requires that we give them responsibility. The untapped resources of the North Sea are as nothing compared to the untapped resources of our people. I am convinced that the great mass of our people go through life without even a glimmer of what they could have contributed to their fellow human beings. This is a personal tragedy. It's a social crime. The flowering of each individual's personality and talents is the pre-condition for everyone's development.

In this context education has a vital role to play. If automation and technology is accompanied as it must be with a full employment, then the leisure time available to man will be enormously increased. If that is so, then our whole concept of education must change. The whole object must be to equip and educate people for life, not solely for work or a profession. The creative use of leisure, in communion with and in service to our fellow human beings, can and must become an important element in self-fulfilment.

Universities must be in the forefront of development, must meet social needs and not lag behind them. It is my earnest desire that this great University of Glasgow should be in the vanguard, initiating changes and setting the example for others to follow. Part of our educational process must be the involvement of all sections of the university on the governing bodies. The case for student representation is unanswerable. It is inevitable.

My conclusion is to re-affirm what I hope and certainly intend to be the spirit permeating this address. It's an affirmation of faith in humanity. All that is good in man's heritage involves recognition of our common humanity, an unashamed acknowledgement that man is good by nature. Burns expressed it in a poem that technically was not his best, yet captured the spirit. In "Why should we idly waste our prime...":

"The golden age, we'll then revive, each man shall be a brother,

In harmony we all shall live and till the earth together,

In virtue trained, enlightened youth shall move each fellow creature,

And time shall surely prove the truth that man is good by nature."

It's my belief that all the factors to make a practical reality of such a world are maturing now. I would like to think that our generation took mankind some way along the road towards this goal. It's a goal worth fighting for.

Sunday, 24 July 2011

Expat Explorer Survey

Not completely related to business but veeerryyy interesting seeing how your place of residence matches up to your values in HSBC's Expat Explorer Survey

If you were moving abroad, what would you want to know? Find out the results from the largest ever global independent survey of expats. Gain a unique insight into how expat life differs across the globe.

Expat Explorer is the world's largest global survey of expats. In 2010 more than 4,000 expats answered questions relating to their finances, quality of life and even what it's like to raise children abroad. This tool allows you to see how countries perform based on the criteria that are important to you.

Wednesday, 8 June 2011

Overcommitment to failing goals or failing commitment?

Is depression about overcommitment to failing goals rather than failing commitment? Interesting argument.
For depression, read business failure? Much in the article below can be applied to entrepreneurship
Read more at
Psychology Today: Why do depressed people lie in bed? A surprising theory

Sunday, 8 August 2010

If Tony Robbins is issuing a note of business caution...

Tony Robbins
If personal/business development "guru", Tony Robbins, is issuing a note of business caution, then surely we really do need to look at new paradigms of not only business but also for our personal well-being.  As one of the major players in transformation, Tony has dealt with some of the most influential people in the business world (listen to his short anecdote about taking some of them to Dubai).

As someone who has reservations about the "Law of Attraction/The Secret" phenomenon (and Tony has been at least of the fringes of this), I'm pleased and even inspired by this snippet of realism from someone who has an intelligent insight into human behaviour and challenges.

He just asks us to consider some important points and find a way to deal with potential major business failures and its effect on individuals. (A related resource is "Smile or Die: How Positive Thinking Fooled America and the World")

I'm unable to embed the video in this post so take a trip over to Tony Robbins' own site and take a look. However, I did find this



Comments as always are welcome here

Inspirational Last Lecture Before His Death

Something to aspire to. He holds it together until the very end.

Sometimes when we near certain death, it will drive us to realize most things we take for granted in life. This is just word of thoughts to inspire us.

Below is a shortened version of his full lecture (about 1 hour) found at http://www.youtube.com/watch?v=ji5_MqicxSo




Randolph Frederick "Randy" Pausch (October 23, 1960 -- July 25, 2008) was an American professor of computer science and human-computer interaction and design at Carnegie Mellon University (CMU) in Pittsburgh, Pennsylvania. Pausch learned that he had a terminal case of pancreatic cancer in September 2006. He gave an upbeat lecture entitled "The Last Lecture: Really Achieving Your Childhood Dreams" on September 18, 2007 at Carnegie Mellon.

Thursday, 25 March 2010

From Business Link to NHS Shrink


Where are the business support agencies at the end of a dream?

I feel that business failure is an area which needs serious attention especially in the current climate and, having spoken to other business failures who have felt 'abandoned', I do not believe mine is a one-off 'sob story'. I hope to take my experiences and offer them positively both as 'worst-case scenario' for pre-start ups and as moral support for post-failures, two aspects of the business life-cycle that are sorely lacking, in my humble opinion.

When Small to Medium Enterprises succeed, agencies that provide 'free' start-up help and advice will bask in reflected glory, deriving kudos from having enabled those businesses to survive and thrive, and putting pictures and stories in their newsletters, on their websites and in local papers. Where, then, are those (salaried?) positive-thinking ‘shamans’ of business support agencies when SMEs fail? "Better to have tried and failed," I don’t doubt - but better still to have avoided any ‘free’ help, support and advice at the beginning from totally-unaccountable agencies who, under the current arrangement, certainly won’t be there at the end. 


When dwindling coffers become less than empty, entrepreneurs fall prey to rapacious insolvency practitioners and unscrupulous debt solution agents; faced with Kafkaesque nightmares of welfare benefit claims, CAB waiting rooms, - and, in the worst cases, calls to Samaritans, and the vagaries, waiting lists and delays of health service Liaison Psychiatry - all we have to rely on is ourselves (if we can avoid total despair) and our true family and friends.

We who end up saddled with debt, broken relationships, vulturesque offers etc., can, in our rational moments, put it down to naïve decisions as a risk-taker.  However, we are not merely rational creatures, and we need balanced advice and support at the beginning, i.e. from both sides - including a ‘devil’s advocate’ with real-world experience of worst-case scenarios and the effect on things other than the infamous ‘bottom line’.

Such a devil’s advocate is missing in practice, whereas it urgently needs to become not only a requirement but also an integral part of all business start-up advice. 

The agencies involved in the promotion and provision of so-called 'free' services to support and kick-start our dreams of enterprise - agencies that contribute to our initial enthusiasm by pumping us with advice and information (and in some cases, even finance & grants) to keep us positive - should be required to demonstrate that their interest in our participation means more than just another slice of government pie. 

Perhaps publishing detailed accounts of each stage of their involvement in our stories of business failure - were these agencies ever prepared to disclose, without being prompted, just what they didn’t do, say or tell us - might go some way towards helping others avoid great pain and despair.

Until then, however, advice and support agencies will continue to distance themselves from business failure; when Small to Medium Enterprises fail, friends and fellows, those agencies that provided 'free' start-up help and advice no longer want anything to do with us.

Monday, 19 October 2009

The Power of Crisis... but you still need a buddy

Over the last few weeks, I've become a great fan of Tony Robbins' material. It makes a lot of sense along with many other NLP-based personal development strategies etc. I've just listened to his Power of Crisis audio with great interest - it all makes sense and have felt motivated to try to take some action. But, even Tony admits that when you're down in a crisis, a friend, colleague, buddy can help - someone who has been through something similar to whatever you're going through.

"Crisis is the crucible of our lives - the blast furnace that often melts down life as we know it. It can take us, or can offer us the opportunity to recast our lives into something greater, deeper and more rewarding

Today, we're facing extremely challenging times: from the multi-trillion dollar loss in retirmement wealth that's left the stock market decimating people's life savings and the collapse of the real estate market with foreclosures at an all time high to the massive loss of jobs across the country. This distressing news offers us nothing more than fear. So where do we turn? How can we access the power of the human spirit to meet any obstacle and triumph over our greatest challenges, injustices and pain."

Tuesday, 6 October 2009

The public consequences of failure

This doesn't refer to putting your failure on show to the public. It refers to the potential consequences of running a business, failing and then having to resort to public funds to get back on track. Here is a letter written to a UK MP relating to such a situation - some of it may be tongue in cheek but the sentiment is real

Dear Honourable Member of Parliament

Ref: Delays in JSA / Housing/Council Tax Benefit

Following the closure of my business in your constituency at the end of July, I had to resort to claiming JSA & Housing/Council Tax Benefit on 7 August.

Letters have been bounced backwards and forwards regarding “additional information” due to me being employed by my own company resulting in a 2 month decision delay which I find excessive and insulting.

As a previously positive person who
· attempted to play an active role in the regeneration of your constituency
· tried to create jobs for people in your constituency
· has always taken my financial responsibilities very seriously
· has tried to limit my reliance on state aid to a minimum
· is a British national since birth
my circumstances are currently so bad that I am writing to ask for your assistance to determine the process for registering as a permanent benefit recipient or becoming non-British (legal or illegal?) in order to expedite my claim.

My primary reason for seeking your assistance is that the amount of evidence I am being asked to provide by JSA Decision Makers and by the Council implies that I have somehow constructed my current circumstances in order to rely on state aid. I am about to lose everything, including over £50,000 over my own money that was used to prop up the business and try to keep people in employment.

I would also be interested to know if there is a way that I can apply retroactively for my change in status. Additionally, I am sure that my new status would provide additional benefits that I am not currently aware of. If you would provide me with an outline of the process to change status (retrospectively if possible) and copies of the necessary forms, I would be most appreciative.

In addition, my financial difficulties are having a serious effect on my physical and mental wellbeing, which means that following advice from family & friends regarding the pressure of debts, I am seriously considering bankruptcy. Therefore, I, Your Constituent, currently being of sound mind and body, am holding You, Honourable Member of Parliament, Mr. DecisionMaker of JSA Decision Makers and Mr Finance of The Council Finance Department, personally accountable for all decisions regarding JSA & Housing/Council Tax Benefit and their part in any actions I take should my “wellbeing” deteriorate to a more serious state due to the financial pressure.

Yours faithfully
Your Constituent