What next (may be triggering)

As Covid -19 restrictions begin to wind down slowly across Australia, here in Tasmania, (due to our issue with hospitals in the north west of our state being hit hard and closed with many all staff and families having had to go in total isolation) we are a bit behind the mainland.

Many many people here will be really discovering how slowly things such as many businesses being able to reopen, and being able to live as we did prior to this virus is actually going to be. (unless your a football player it seems?)

A deep fear is running through many mental health workers across Australia. Community mental health support organisations and indiviudals have been complaining of how little continuing support and cutbacks that were occurring before the current situation. Rural and remote mental health services virtually non existent. The reality is already being seen by many of these workers and organisations.

The long term impact on people who have been isolated and/or lost their jobs, and/or worrying about financial concerns is and will be only coming out slowly as some things slowly return to a form of normal or new normal. Perhaps credit card bills are coming in and that may be how some individuals and families have been surviving.
Those who have lost their jobs in the last few months will possibly only now be receiving their first Jobseeker (Government benefit) payment and Covid payment. After waiting for some weeks.
Potentially the whole amount they are receiving will be paying outstanding bills.

The impact of the death of someone due to Covid-19 on those who loved them and were not able to be with them at the end, or to be with family and friends to say a final goodbye is immeasurable. Grief is always difficult but in these circumstances widows/ers grieving alone with no one able to come home with them, as they have to go into quarrantine is so hard to imagine.

The numbers who have died in Australia (98 so far as of 16/05/2020) represent grief for many hundreds. grief that has not been able to be shared with hugs, and for many an opportunity to say goodbye. Depression and Post Traumatic Shock Disorder are likely to increase. Anxiety may also impact some of these people. How will these families be supported and helped?

The numbers of people phoning all mental health help lines has blown out during the last couple of months. Most of these organisations of course are manned by volunteers. Thanks to all of them.

These same organisations are saying the situation is getting worse for so many people.

I also feel concerned for all those essential front line workers. Who have kept going. My greater fears are for the health professionals. Many who have worked long hours, in protective gear that is tiring to wear as you become so hot inside it. I can not imagine wearing it for 12+ hours a shift, it was bad enough wearing it for an 8 hour shift.

The truck drivers, the cleaners, the business proprietors who have had to install new management customer strategies.

Some people will develop mental illness now, others may not show anything for a while and something may happen that will just flaw them on their feet. (As happened to me my resilience just could not bounce back). Nurses and Doctors police and ambulance emergency workers in rural areas such as SES give so much of themselves in caring for people in their job every day they work.

I fear for so many youth, who were just beginning their working lives, when this situation stopped many of them. The financial stress, the emotional stress, anxiety, fear, distress, and loneliness.

The families of people with disabilities, where carers may not have been able to visit? Where routines have not been able to be kept, that enabled the individual with disability to live a independent life. How have these people been impacted?

I have thought often about families where domestic violence has always been a way of life. Alcohol is and has been available, the whole time. I imagine the possibility of domestic violence escalating, and the person doing it home all day every day, with no escape for their partner and children. I wonder how it may have been if bottle shops were closed and not considered essential services?

The homeless how have they been managing? It has been very wet, I do hope that with so many less people about they have been able to sleep more safely and in better locations. I think of all the volunteers who have been out supporting and caring for all the homeless across Australia.

I wonder about the addicts to gambling, drugs, alcohol…how have these people managed? Their families?

I have thought also of the impact on children and if lines of education have been drawn even more as schools have had to go online for most kids. How have the children who have no access to the internet managed? What about those whose parents have not been able to teach and support them at home schooling? Those who care but whose own education may not be up to their kids level.

The children who have had both Mum and Dad home with them for the last 10 weeks or so how good it may have been, and or how difficult.

The parents who could not care less. How will this three-four months impact the kids. I wonder about how it might impact bullying.

Some times my mind gets so overwhelmed if I do not reign it in. I am well enough to do this now and not let myself go down into places I have no ability to manage or control. I still am concerned about the possibilities.

I look at the projections of housing prices falling a lot according to some analysts in Australia. I can not imagine having purchased a home, and having a mortgage to find in a few months the house is now worth 20-30% less. Yet you have to pay the higher mortgage. Interest rates are basically as low as they can go, and most banks have put mortgage payments on hold for a few months.

The problem is once they start up again interest will go on the missed months and compound. I am not sure if you will be expected to catch up over the time of your contracted mortgage or if the mortgage might be extended,

The fear for those who have lost their jobs, and the uncertainty of if their jobs may return or not? Will people really spend all the extra money that is being paid out by the Governments to help simulate the economy or will they save it. Or pay bills clear credit cards?

How to pay their mortgage? Their rent?

I do know the next few months maybe the next few years will be hard. There will be very few tax breaks as our Government needs to make up for all the money that it has been giving out to help our country. I see quite a few businesses not being able to survive.

I envisage the potential for suicide to increase across age and gender. I hold little hope for better mental health services in rural and remote regions. With ongoing 1;1 commitment with psychologist, psychiatrist on health care cards. Instead of the reducing number of 1;1 visits as we have now.

I wonder how the new unemployed who are receiving the Covid-19 payment along with the job seeker payment (seeing the fortnightly payment go from $550 to over $1100 until September 2020), manage when the Covid-19 payment stops and they have to live on the Jobseeker payment of $550 a fortnight?

I also think of all the dogs, cats that have been adopted out of animal shelters and refuges. Where the owners have been home with these new family members 24/7 and in the next few months the human members will return to working, and school. How will these animals fare? How many will end up back in shelters?

I worry about all of you who read my posts. Even though we have not met, and only know each other through our communications, I do care that you are all coping OK. That you have people about you who love you unconditionally, and support you. That you are managing and caring for your self. You are the most important person in Your life, regardless if you are in a partnership, a parent, If you are not doing OK speak to someone, be honest about your concerns.

If you are concerned about financial issues, contact your bank, contact your lenders, offer to pay a small amount every month/fortnight/week (this will show intent, and makes it hard to be taken debt collection or to court for non payment but you have to instigate it) Same goes for bills. Or anything you are not alone, reach out speak up.

If you are in a domestic violence situation, get a plan to leave begun. tell someone you trust please.

If you are concerned about your rent, and the real estate is not helping ask to speak directly to the owner. Have them ask the owner to contact you directly. Be honest with the owner and if you are a good tenant, many owners would rather have you catch up/not raise the rent for twelve months to retain a good tenant.
I looked at the cost involved when I was a land lord, and by the time I advertised and had the checks done by the real estate agents, ( a $10 a week increase would give me $520 a year extra..the cost to find a new tenant would cost me a months rent which was at the time $1000) so if your agent or landlord is talking about increasing your rent, ask them how much it would cost them to find a new tenant who may not be so good. it is worth a try.

Mortgage? speak to your mortgage provider.

If you are thinking of buying a property. Perhaps you really do not need a four bedroom house with three bathrooms. Or a two bedroom unit for just one person. If it means you can afford the lower mortgage. Rather then risk loosing your home.

Being thankful for what we have is important. It can be so easy when it seems the worst is happening to us to feel alone, to feel it is not worth it. It is important to know I value YOU.

I am thankful for all of YOU who read my writings, look at my photos.

I am thankful for the beautiful weather we have been having the last couple of days. I am thankful for the beautiful colour of the Autumn(Fall) leaves. I am thankful for the birds, their song. I am thankful for the weed I saw popping up in the cement in my local town yesterday, showing me that nature is strong but we need to care about it. I am thankful for the wallaby I saw yesterday eating some of my grass. I am thankful to the birds that come and eat the bugs in my garden.

I am thankful to fresh vegetables. I am thankful for being able to see positives in some really dark times. I am so very thankful that I am continuing to move forward on my improving mental health. I am thankful that my maiden hair fern and chain of hearts are thriving in my home. (first time I have ever had success with either )
I am thankful for internet. I am thankful for my dogs, neighbours, and community.

I am thankful to Mother Earth and the Goddess.

blessings Tazzie

38,800 dead in USA

WHAT IF I TOLD YOU THAT IN 2019 38,800approx people died in car accidents in USA!

National Center for Safety
‘For the second consecutive year, the U.S. experienced a small decline in roadway deaths, according to preliminary estimates released today from the National Safety Council. In 2019, an estimated 38,800 people lost their lives to car crashes – a 2% decline from 2018 (39,404 deaths) and a 4% decline from 2017 (40,231 deaths). About 4.4 million people were injured seriously enough to require medical attention in crashes last year – also a 2% decrease over 2018 figures.’
https://www.nsc.org/road-safety/safety-topics/fatality-estimates

I would be far more fearful if I lived in USA to get in my car and drive to the shops to panic buy than I would be of the Covid-19 virus.

Definition:
The Western world, also known as the West, refers to various regions, nations and states, depending on the context, most often including at least parts of Europe, Australasia, and the Americas. There are many accepted definitions, all closely interrelated.) .can also be known as First World.

The following post is my personal opinion and thoughts. I am happy if anyone wishes to share any or all of this post as long as they attribute any information from me and the source if I have provided one. I am also happy to have comments of your own perspectives.

Right now fear is driving the western world. This covid-19 virus is creating panic in communities and it will have severe implications on the financial situations of many countries and individuals as we are seeing.

Here in Australia the Australian Dollar has reached a 17 year low, the British pound is the weakest it has been since 1985, NZ and other countries are seeing their currency value drop.
Governments are trying to provide financial support and incentive breaks to individuals and businesses. In the hope to stimulate the economy.

The Reserve Bank Australia(RBA) has cut interest rates to a record low 0.25 per cent and announced extraordinary measures to help prevent a coronavirus-driven recession.

The RBA will buy Australian government bonds as part of its first-ever quantitative easing program, and provide a three-year funding facility to provide cheap loans for Australian banks.

Australia’s economy continues to rapidly deteriorate, and panicked investors have wiped billions of dollars of value off the local stock market.
https://www.abc.net.au/news/2020-03-19/rba-cuts-interest-rates-coronavirus-covid-19/1207049

Qantas stood down 20,000 of its approx 30,000 staff today and ground all international flights.
It is expected that this will not be the only large employer in Australia to have to do so under these pandemic circumstances.

I understand that. At a human disaster in regard to deaths and illness, it is not good.
I feel for all the families that have and will loose people to Covid-19, To those that become very ill and their families.

I feel for all impacted by loss of income, through closure of businesses.
I believe the impact of the Covid-19 will be severe to many businesses and individuals financially and that is a horrible situation. As it will mean recovery will be slow and hard. Some may never return to where or what they had. There may be many families and individuals who who loose everything.
Huge HUGE LIFE CHANGING AND HORRIBLE situations.
Many of us in the Western Countries have had it very comfortable for many many years. The potential economic hits may be very very hard. So many Australians will become even more fearful.

Our Governments are trying to ensure to the best of their current abilities in a rapidly changing environment of economic issues and calamities bought about by the Covid-19 virus to keep some control of the impact it is having and will continue to have for many months down the track.

We personally may not like the way things are, or have been done, but so much is out of our control. Perhaps that is why panic buying has been occurring to try and wrestle a feeling of control back in a scary ride that we in the west are riding. Fear the people are frightened.

Yet we know how we as individuals can fight the virus, but now the impact is hitting home seriously have some maxed out their credit cards to stockpile? The reality is now the Pandemic is more about the economics of Western Countries than the actual illness it causes. That to me is now the conundrum. Has it always been that which has been the reality?

I want to, put that in to some kind of perspective of what the real world situation is in regard to deaths by Malaria which is not a virus, and Measles which are.

Not many westerners living in their own countries died from Malaria or Measles. So it must mean that it is not a huge issue. Surely if it was wouldn’t it be headline news. If hundred or thousands of people around the world were dying of it?
It is not put out there in the media mostly, that is controlled by powerful men, and companies, with potential influences from governments, businesses and other media.
Something that is playing out and getting worse every year, but because it does not impact the western worlds economy, or us as individuals, it is not headline news worthy. We also can take preventative measure to avoid Malaria if we travel to areas where it is known to be.

The World Health Organisation(WHO) who declared the pandemic, in late June 2019, published the following report of which the following piece is just the first paragraph.
‘Every 2 minutes, a child dies of malaria. And each year, more than 200 million new cases of the disease are reported. Although countries have dramatically reduced the total number of malaria cases and deaths since 2000, progress in recent years has stalled. Worryingly, in some countries, malaria is on the rise.’

Surely this should be taken far more seriously. But no.

5 December 2019 WHO published this information

Measles is a highly contagious, serious disease caused by a virus. In 1980, before widespread vaccination, measles caused more than 2 million deaths each year.

The disease remains one of the leading causes of death among young children globally, despite the availability of a safe and effective vaccine.  More than 140 000 people died from measles in 2018 – mostly children under the age of five.

It is a serious disease caused by a virus. It spreads through the air when infected people cough and sneeze. We in the west have access to vaccines, yet this virus in increasing as those who choose not to vaccinate their children put others at risk. I wonder if these same parents are stockpiling.
https://www.who.int/news-room/facts-in-pictures/detail/measles

As of 18/02/2020 almost 8,000 people world wide have died of Covid-19. The figure is not great but let me compare it to the number of deaths in the USA in 2019 in road accidents

So in closing lets again see 38,800 people died in car accidents in the USA, hundreds of thousands of children die from Malaria and Measles each year and the number is growing.
8000approx have died world wide of Covid-19 why are we so frightened ?

I am thankful I do not have to worry about any children or babies I know who might die from Malaria, or Measles. I am thankful for the amazing people who create these vaccines. I am thankful I live in such a beautiful place, I am so very thankful that I was just lucky to be born in a western country, I am thankful for all that I have,

blessings to You all Tazzie

Down the rabbit hole

Prime Minister Scott Morrison (Scomo) gave a speech this morning (10/03/2020) to business people. I am not too sure how many small and self employed businesses might have been represented. What I heard him say was that businesses should think about continuing to pay any casual employee who is forced to isolate.

What a very bizarre thing to say. I can not imagine many businesses that can afford to pay casuals, casual rates whilst they are isolated.

The reality is that casual rates are higher and this is to cover sick leave and holiday pay.

He never really mentioned the health and concerns for the people impacted already by the deaths or illness, or isolation. Nor did he actually tell us what OUR Government is going to do to help the people. Nor did I hear and I may have missed if he did mention if people used holiday and sick leave it was still going to cost businesses. Now sick leave is there for the very reason you are sick. So USE it if you are, but if you are in isolation are YOU SICK? Holidays will cost your employer more money.

A day or two ago he did or some representative suggested people buy extra food items each week. (me I think I will stock up on chocolate. Fruit and nut that is dairy, protein (nuts) sugar, fruit fibre, Some of the new salt cracker with chocolate. Well I cant get toilet paper… lol. If only chocolate was still wrapped in paper I could use that in an emergency but my septic system would not like the plastic

It seems that now with Qantas impacted due I imagine to peoples fears and the risks inherent of traveling to so many locations where the virus is spreading.

In a statement, the airline said: “The latest cuts follow the spread of the coronavirus into Europe and North America over the past fortnight, as well as its continued spread through Asia.”

As part of the cutbacks Qantas will:

  • Ground 38 aircraft, including eight A-380s
  • Re-route services to London, flying via Perth instead of Singapore
  • Ask staff to take annual leave and unpaid leave

Qantas CEO Alan Joyce said while redundancies were a last resort, the changes meant about 2,000 jobs were now surplus to requirements.

He also said the senior leadership team will take a pay cut of 30 per cent, in order to “pull every lever that we can to make sure that the group gets through this environment”.

Jetstar will make significant cuts to its international network by suspending flights to Bangkok and reducing flights to Vietnam and Japan by almost half.

Both Qantas and Jetstar’s domestic service reductions will be increased from 3 per cent to 5 per cent.

“This will be a survival of the fittest,” he said.”
I imagine the survival of those 2,000 surplus to requirement staff are not included in that statement. I imagine those surplus to requirement are being notified. I wonder how many of those are casuals? He did not elaborate on the numbers of staff he is expecting to take unpaid leave or holidays, (which is not a saving to any company as in Australia full time and part time staff are paid an extra 17.50% of weekly wage to actually take holidays. On top of their normal pay. So this will actually cost more to the company than if the staff were working.

Australia vulnerable due to high household debts

In Australia the big concern is household debt, which now stands around 120 per cent of GDP and nearly 200 per cent of household incomes, and as the housing market has bounced back in the last few months, individual loans have become even bigger.

Debt killing the economy?


Australian consumers have closed their wallets, and many analysts are pointing the finger at record levels of household debt as the main reason why.

Add that to what is happening overseas, and many are wondering if the world is slowly inching back to conditions like those that led to the global financial crisis.

However, Shane Oliver is not yet unduly concerned.

“If you look at the overall picture I don’t think we have anything like the degree of gearing on the sub-prime mortgage debts that we saw going into the GFC,” he said.

“It’s hard to see a sort of a bubble akin to the US housing bubble like we saw prior to the GFC.”

Shane Oliver does think a good old-fashioned recession is coming, though.

A recession which a ticking debt bomb and the lowest interest rates in history will make worse.

Now the Australian Footy League (AFL) if no large gatherings are allowed they will play games with no people watching. The season starts Thursday 19/03/2020. I can’t imagine how Melbourne people and Tasmanians will survive if they can’t watch their footy at the stadiums.

University of Tasmania is being impacted by the Covid-19

  • Tasmania’s university was “not making enough progress to be the right size to be sustainable even in the short term”, the vice chancellor told staff in an email
  • UTAS’s educational offerings would be cut from about 514 degrees and courses to 120 by next year, in an effort to cut costs and “cut through this tangle of complexity”
  • The university was “over-reliant” on Chinese students — a factor which had backfired in the wake of the coronavirus pandemic, UTAS admitted

National mortgage hotline has been receiving a spike of concerns due to mortgage stress of people, and the Government has requested that the banks go ‘easy’ on the folk who have asked for more time to pay. Interesting as interest rates are at the lowest point they have been in Australia for a long time.

I do hope the banks do heed this as I have been there in needing more time to pay here and there. Thank You Bendigo Bank! (I bank with them and that is all I do not gain anything for saying this). I was honest with them. This was quite some years ago, so I can not say it might happen today.

It is all very interesting and suddenly so many decisions are being made, so it would seem that neither Qantas or the University of Tasmania will be paying casual staff that may be forced into isolation or casual staff at all as they will be the first causalities. My feelings are that if a staff member was exposed to Covid-19 on a flight where you were working it would be compensation. Other wise it would seem from my thoughts which are purely my own, that it would be best to use it as unpaid leave as this way the company would not have to pay you a thing.

Though again my personal feeling would be at a time like this if you asked every staff member if they would prefer to take a pay cut of 30% and keep their jobs it might help everyone. Now instead 2000 surplus to requirement positions means what exactly? I am assuming that no other airline will be looking at employing anyone in this current market. So I am guessing that many will not have much savings and they will be applying for guess what NEWSTART soon to have a name change,(at a huge cost for reprinting of all material I imagine and logos training stuff sigh) Jobseeker payment. Oh how much better.

I can only imagine that there will be many more distressed people with mortgages who will be very distressed and anguished about the possibility of no income to pay their mortgage.

Or rents for that matter. Casual employees who will always be the first to be let go, when businesses no matter what their size are struggling.
I find it interesting that taking holidays was mentioned.

At least the price of petrol is supposed to come down in the near future. Yeah! Oh and I imagine there will be big specials on toilet paper here in Australia in the near future as so many people will have so much in their homes.

The Reserve Bank last week cut the interest rate by 0.25points what worries me more is Donald Trump tweeted how wonderful it was.

Donald J. Trump @realDonaldTrump  ·

Australia’s Central Bank cut interest rates and stated it will most likely further ease in order to make up for China’s Coronavirus situation and slowdown. They reduced to 0.5%, a record low. Other countries are doing the same thing, if not more so. Our Federal Reserve has us….

Donald J. Trump @realDonaldTrump

Mean while back here in OZ

The major Banks lenders were widely expected to hold on to the savings given the dramatically reduced profit margins on home loans. But all major banks have passed the full amount on. SHIT we are heading to a recession!

“The banks are now walking a very fine line and with savings rates already down around 0.10 per cent, they have very little room to move,” comparison site Canstar’s finance expert Steve Mickenbecker said.

“A 0.25 per cent interest rate reduction to the average $400,000 home loan over 30 years could mean monthly principal and interest repayments falling by $56 to $1,794, and an interest saving of $20,249 over the life of the loan.”

Now if I have a mortgage and I could continue to pay the same amount I had been paying before this interest rate cut I would not change it. Because IT woulld save me even more interest and reduce the length of the loan.

It is these times you feel really bad for people who have fixed home loans.

Back to renters, and University of Tasmania. With all the students who have not been able to come to the university there will be a lot of available rentals I imagine in Hobart and Launceston which is a good thing for those people who are living out of their cars and homeless. Oh but wait most of those will not be able to afford the bond or the rent. So will this see more people in mortgage stress. As there investment property may not have any tennants? It is a bit of a vicious circle potentially.

I also noted that in Adelaide people are not eating at the Chinese Markets? Seriously why NOT. Is it like the toilet paper, Oh its because the people there are are Chinese and Covid-19 came from China. I am shaking my head. Do people believe that the people who have these businesses are likely to have Covid-19?

So these poor businesses are struggling for no other reason than they sell Chinese/Asian food and are usually run by Chinese/Asian Australians or immigrants who have lived here for a while. Sigh With that kind of logic I really feel for any person who looks Asian or now will it be Italians will pizzerias and Italian cafes and restaurants be avoided? I bet they have no casual staff at these places working. I bet Scomo they will not be paying these casual workers. They can probably barely afford the rent and overheads.

It was also interesting to see China’s President visit to Wuhan where he spoke with patients, ….via video screen and still with his mask on and when he actually spoke with doctors and army personnel he still had his mask and a good distance between them. Yes all is fine in Wuhan things are returning to normal ‘not’. I also heard that his visit to neighbourhood the residents were moved out and everything was sprayed, again with who knows what. I assume the residents were allowed back in after he left. Caution is a good thing.

How am I a person with CPTSD feeling about all this. Well my medication is working so well, I am OK with it. It may be more that I already live relatively isolated. I only go into town once a week generally unless I have an appointment. Or I absolutely must for something as I had to today to pay my internet (that is another story for another post perhaps).

I also live out of town, my neighbours are far enough away I do not have to fear coughing or sneezing if I sit on my deck. I have always had a pantry and enough meat for my dogs for a month or more in the freezer. Of course there is the concept that what if the power goes down. All that meat will be no good. Not going there. Right now Australia is doing OK. Well except for the loo paper issue we do look like a recession may be on the cards.

It is very unlikely there will be any positives for the budget and I do not see it being in the black after the drought, fires, floods, and now Covid-19 and what economical impact that may have.

We are also coming into Winter, and our normal cold and flu season. There is no use worry for me about any of it. I certainly will not be receiving any help from the Federal Government, I feel for all those who are on Newstart and will potentially be going on it. As casual and seasonal work potentially begins to dry up. As many businesses that rely on tourism and that is a lot down here in Tasmania. May begin to feel the pressure of it all.

I can not imagine how the homeless must feel with no protection from exposure to normal colds and flu let alone to this Covid-19. They also do not have the ability to stock up on anything. If they are on Youth allowance even worse off. They do not have easy access to wash their hands with soap for twenty seconds.
Yet nothing said about them either by Scomo.

blessings to You all Tazzie

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