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Ideas of ethical businesses to start in difficult times | London Business News



Individual micro-entrepreneurs and owners of small and medium-sized companies are expected to be strongly impacted by the recent events related to the coronavirus. Many industries, including travel, retail, gambling, restaurants, and hotels have been especially affected due to the closing of many of these industries.

With the pandemic of (COVID-19), businesses are facing very different challenges around the world: quarantines, fears, and, of course, generalized anxiety are some factors that also affect these businesses heavily.

Entrepreneurship and digital agencies are also being greatly reduced during the coronavirus crisis. So much so that many recent start-ups are having to close or at least have been put on standby. Unfortunately due to Covid-19, many of these ventures will surely not be able to sustain or recover.

For us to cope, we need some ideas for business on how to deal with the crisis.

Here are a few solutions:

  • Massive meetings or events have been canceled, so what can we do? Many companies are going digital to try to maintain relationships with their customers. “Let’s do a live (live broadcast) on Instagram, Facebook, and Youtube and keep engaging with our community so that they don’t lose interest.”
  • What can the food sector do (at home, food sales, restaurants, among others)? The proposal is to make the lives of consumers easier. “Let’s create packages that solve your distress right now. Do you sell food? Prepare a frozen package for a whole week, sell them to help the consumer during these days.
  • Consumer market (perishable). Prepare closed consumption packages that your consumer can buy.

Business ideas for current and post COVID-19 to consider

As stated earlier, some businesses may experience a halt after the pandemic.

New markets will open and existing ones will be reinvented. Some verticals completely changed forever. These are the times where having foresight can be very useful. What will be feasible business opportunities once the coronavirus crisis is over?

And what can we do now to lay down the foundation of perhaps a new startup business?

I think we can agree that some digital and tech markets will thrive.

There are quite a few experienced entrepreneurs that certainly can use their digital marketing skills to create different avenues of revenue during difficult times.

But what about the less experienced entrepreneurs? The ones that are not tech-savvy or have never been part of a startup company.

Unfortunately, many of these inexperienced marketers will inevitably fail.

But there is one true way to multiply your chances for success exponentially, and that is to follow a roadmap. Ideally a mentorship or with full training.

Here are some ideas of business startups during these difficult times.

  1. Sell Ethical products – This can be a great time to get involved with e-commerce. Just make sure that you come up with some ethical ideas. There are some people that are selling products based on fear of the coronavirus, and that is just not ethical. Here are 19 great ideas of some products to sell.
  2. Delivery Service – People will most likely stay on the trend of staying at home more. You could think outside of the box and become a niche delivery service. For example, you can try to get a residual client base for delivering groceries to their house. Or you can expand and be a very unique delivery service where you deliver more than one item. You can go to the drugstore for them, deliver beer and wine, and food from restaurants.
  3. Teach people remotely – This opens up the opportunity for you to work from anywhere. It also opens up the opportunity to work with people in all different countries. If you are knowledgeable or have a specialty, you can offer your services on platforms such as takelessons.

Home based business ideas

Do bookkeeping – Many companies need a bookkeeper on a monthly basis so that they are ready for their accountants. This is a great residual business idea. You can build up a clientele and feel comfortable knowing that you will always have residual work.

Life coaching – if you have the skills, use them. You can help people overcome all kinds of challenges that they may be dealing with. You can specialize in a certain niche market.

Medical Billing – This is another up-and-coming industry where you can work from home there are many different online training courses where you can get certified to improve your chances of being hired.

Alternatives and support for those with financial difficulties

Credit repair is a model where consumers dispute erroneous information on their credit reports.

The credit repair organizations act was created to protect consumers from unethical credit repair companies.

The service of credit repair has received a bad rap because of the unethical companies.

But it can be a very honorable and virtuous business model.

This is a great business opportunity to help people while working from home. You can get started on a small budget and you can build a client base quickly.

Again, as mentioned earlier in this article if you’re going to start any of these ventures, it’s a great idea to have some sort of mentorship for training.

Here, we have found a great step-by-step guide, that is packed with information from A-to-Z on how to successfully launch a business helping people from the comfort of your home.

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How DIY Debt Relief is Simplifying The Road to Financial Freedom | 2020-12-02 | Press Releases



Los Angeles, California, Dec. 02, 2020 (GLOBE NEWSWIRE) — “Debt” is an anxiety-inducing topic for most Americans. According to financial experts, about 80% of Americans have some form of consumer debt and are $38,000 in debt, excluding mortgage debt. Unfortunately, financial literacy isn’t a topic that’s extensively covered in schools. As a result, many Americans lack valuable knowledge on personal finance topics — including how credit cards and loans actually work, or how to get out of debt quickly should they experience financial hardship. When times are tough, the concept of “free” money is very appealing and overrides reservations about amassing large amounts of consumer debt.

While consumers have numerous debt-relief options — ranging from consumer credit counselling to debt settlement to bankruptcy — the actual road to recovery is fraught with numerous hazards that include repayment terms with unaffordable monthly payments, repayment terms that take too long, exorbitant fees, and false promises.

With over a decade of experience in the credit and finance industries, these are problems the founders of DIY Debt Relief understand all too well. Debt relief — specifically settling delinquent accounts with creditors and collectors — cost consumers more time and money than most can afford. Compounding the problem are unscrupulous service providers that make promises they can’t keep — charging too much for the service they provide and taking too long to provide said relief. It was with these issues in mind that DIY Debt Relief was created.

DIY Debt Relief is a web-based company that provides educational videos and supporting materials to offer a “do it yourself” alternative for distressed consumers. By eliminating the need for a third-party service provider, consumers can avoid the prohibitive fees they charge — which in turn reduces the amount of time needed to settle accounts, pay off the agreed upon balances, and become debt-free. Additionally, even creditors and collectors who often refuse to work with third-party service providers are all too eager to work with consumers directly.

The content, tools and resources DIY Debt Relief provide are designed to help consumers assess, evaluate, and improve their financial situation. The information is based on United States federal laws and regulations which govern the actions of creditors and debt collectors, which means they can be accessed and utilized in all 50 states. With these assets in hand, consumers can create a plan of action to get their delinquent, unsecured debt paid off as quickly and as affordably as possible. And with the belief that credit repair is the next logical step after the debt settlement and repayment process is completed, DIY Debt Relief provides additional resources and information teaching consumers how to quickly and correctly rebuild their credit profiles and FICO scores.

The DIY Debt Relief process is easy to follow, gives the consumer control, is less expensive to implement, takes less time to complete, and can provide better results. Rather than relying on a third-party to entrust your financial future to, consumers now have the option of taking the initiative and doing the necessary work to get themselves to the debt-free future they deserve. With the goal of taking DIY Debt Relief internationally, the eventual next step is to make the videos in other languages. For right now, DIY Debt Relief’s videos educate on debt relief only in the United States — but its possibilities are endless, its effect promising, and its only trajectory from here is up.

DIY Debt Relief IG: @diydebtrelief

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This news has been published for the above source. DIY Debt Relief [ID=15547]

Disclaimer: The pr is provided “as is”, without warranty of any kind, express or implied: The content publisher provides the information without warranty of any kind. We also do not accept any responsibility or liability for the legal facts, content accuracy, photos, videos. if you have any complaints or copyright issues related to this article, kindly contact the provider above.

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Wannabe Wired: Don’t get scammed by fraudulent phone calls | Columnists



A few weeks ago, I told you about how you can filter out spam phone calls. This week, I’m going to teach you a few of the warning signs to look out for if you are one of the unfortunate souls who has to answer every phone call that comes through.

It’s hard to believe that phone calls still play a major role in fraud scams. But despite the fact that most people won’t even answer their phone if they don’t recognize the number, the Federal Trade Commission (FTC) reported last year that of the more than one million fraud complaints they received, 74 percent were phone scams.

The sad truth is that people lose a lot of money to phone scams. And even though we like to think they won’t happen to us, we can never be too cautious. Over the years these scams have become more sophisticated by mimicking numbers that look trustworthy, have local area codes or even familiar names attached to them. There have even been reported instances of people receiving fraud calls from their own phone number.

The good news is, the people on the other end of those calls are using scams that aren’t nearly as sophisticated as their number spoofing software. Most scams use formulaic narratives that are easy to recognize once you know what to be on the lookout for. Below are some of the most common scams and how to recognize them according to the FTC.

The Unentered Lottery

This is one of the most common scams out there. A caller tells you that you’ve been selected for a prize or some kind of lottery you don’t remember entering. But the catch is, you have to send them some kind of cash retainer so you can claim it. That or they start asking you for personal information like date of birth and Social Security number. Don’t fall for it.

The Threat

Some scammers resort to fear to try and extort people. They will give you a call and pretend to be with some kind of authority, threatening to have you arrested if you don’t fork over payment for some amount they claim you owe. Legitimate representatives from law enforcement or federal agencies will not call and threaten you like this.

The Imposter

A scammer calls you up, complete with fake number and caller identification, claiming to be someone you know, maybe a boss, maybe a distant relative, maybe even someone from a government agency. They are always in trouble and always need you to help by sending along gift cards or prepaid visa cards. Quick tip: if someone calls needing you to send them money in a method that is untraceable and nonrefundable like a gift card, don’t.

The Charity Case

Since it’s that time of year again, be on the lookout for fake charity solicitation. Scammers love posing as charities. If you are planning to give to a charity this year, make sure to do your research beforehand and call the charity directly, or better yet go online and give.

There are plenty of others of course, far too many to list in detail here. But here are a few more should also watch out for: extended car warranty scams, loan scams, debt relief or credit repair scams, one ring scams in which your phone rings once and then you call the number back to find out it is a scam, among many others.

And if all else fails just follow my golden rule, if you don’t recognize the number, don’t answer the phone. If it’s important, they’ll leave a message.

For a complete list of potential scams check out the FTC’s website at

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BLM hosts job fair in Lakeland to address economic inequality



Sara-Megan Walsh
| The Ledger

LAKELAND — Black Lives Matter will take a step this week toward addressing Lakeland’s racial issues that won’t involve a protest or a march.  

Black Lives Matter Restoration Polk will be holding a job fair on Wednesday, from 11 a.m. to 2 p.m., at The Dream Center, located at 635 W. 5th St. in Lakeland.

Jarvis Washington, president of BLM Restoration Polk, said the event will launch the organization’s long-term effort to address the city’s issue of economic inequality. 

“We know that the lack of jobs and lack of economic development has a direct correlation to crime and poverty,” he said. “We are inspired to create economic opportunity for our community.” 

Washington said BLM hopes to help 300-500 unemployed individuals, including those affected by the COVID-19 pandemic, within the next year. While Polk County’s unemployment rate currently stands at roughly 7.3%, down from 7.9% in September, it is still more than double the rate from a year ago. 

BLM is partnering with Civitas Recruiting, founded by Lakeland resident Susan Freebern, to build connections between those disenfranchised looking for work and local businesses. 

“I like to think of it as a community-wealth building strategy,” Freebern said. 

Freebern said she focuses on using the federal Work Opportunity Tax Credit, which offers financial incentives for companies to hire people in specific targeted groups who typically face barriers to employment. This includes individuals receiving food stamps or government assistance, veterans, and those unemployed for an extended period of time. 

On Wednesday, BLM will help screen candidates that meet these criteria who Civitas Recruiting will then help place into jobs. Freebern said many of the positions she has available include manual labor but she expects others to open up after the holidays. The jobs offered will pay at least $15 an hour, according to Freebern.  

If an individual referred by BLM to Civitas for a job is hired, the nonprofit organization will receive a small donation to help fund its future efforts. 

Washington said BLM will be there to support individuals by linking them to fiscal educational resources and credit repair agencies to help them get back on a road to fiscal stability. 

“We can’t allow them to continue down the same path, it’s not creating success,” he said. “We need to provide the tools and resources to help and model them into better people — it’s always been part of our mission statement.” 

This week’s job fair is the first of a series of events that BLM hopes to plan with Civitas Recruiting to help those unemployed and lift them out of living paycheck-to-paycheck, or worse, out of poverty. 

“This is our answer to what comes next,” Washington said. “What comes next is creating opportunities.” 

Those unable to attend Wednesday’s job fair can visit BLM’s new website at for more information and to signup for future events. Washington said he hopes to hold recruitment and job fairs approximately every two months. 

Sara-Megan Walsh can be reached at or 863-802-7545. Follow on Twitter @SaraWalshFL. 

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