Workplace Bullying in Christchurch

Further to my blog this morning on how people are, or are not coping with stress from the aftermath of the Christchurch earthquakes, we are now hearing stories of increased workplace bullying in Christchurch. I don’t know how much it would take place normally, but this is another example of ordinary people being stretched to extraordinary limits.

According to a story published in many media this week, the stress levels are as high as would be found in a war zone. An AAP story says that scripts for sleeping pills and anti anxiety drugs are up and many people are self medicating with alcohol often resulting in violent incident, domestic and otherwise. Women’s Refuge reports a 30% increase in demand since the February earthquake.

A poll in The Press established that only 38% of people in Christchurch don’t want to leave. Of course as I mentioned in my blog yesterday on  Post Traumatic Stress in Christchurch, because of mortgage commitments, and the logical lack of buyers, many people can’t afford to leave if they wanted to.

Meanwhile Prime Minister John Key is still unable to say whether a decision will be announced this week on which streets or  suburbs will not be rebuilt.

Here’s another every day view from NZ Herald TV, brushing your teeth with lemonade because there is no water.

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It’s going to be a tough Christmas

With the state of the economy,things are going to be tight for a lot of people this Christmas. According to the NZ Herald this morning, “The trend in supermarket and grocery sales have been declining since March , the longest trend since the series started in 1995.”

First of all I need to admit that I got it wrong. I thought that with petrol prices going up that we would be like frogs who get thrown in a pot of cold water, that we just put up with the rises, but the reduction of cars on the road in Auckland is clearly noticable.

Last year the newspapers were full of stories of domestic violence at Chistmas time and womens refuges were overflowing with people hiding from their partners or other family members. I suspect this year will be much worse. The retailers are suffering as are many sectors of the public, who won’t be able to spoil their families this Christmas. The pressure on low income families will be particularly bad, and as I have blogged before, the retailers have been giving delayed payments and interest free terms for so long that many people are in debt up to their eyeballs already.

There is also likely to be an increase in burglaries as those who can’t provide for their family or young people whose hopes for cool presents are dissapointed decide to help themselves to other people’s property. Most at risk will be people who leave their homes vacant while they head to their batches or camp grounds. I’d recommend they look at their home security and communicate their plans with their trusted neighbours.

Is there anything you can do to help? There will no doubt be many Christmas Charity events. Why not check out your neighbourhood and see if there is anywhere you can help. My brother in law alway made his children pick on of their brand new presents and take it to the City Mission.  Auckland City Mission is already well organised in their campaign to help people have a better Christmas. Each person who gives something at Christmas is going to feel much happier than those who didn’t. The Auckland City Mission will be hosting a Christmas dinner for 1200 people and need gifts and support. They have a page were you can find drop off points where you can leave a gift. So when you are off doing your shopping, buy something extra and feel good about putting a smile on someone’s face. I will.

What happens when the consumers can’t buy anymore?

Everyone has a deal. Harvey Norman is offering 12 months deferred payment and 12 months interest free, Noel Leeming has deals, Bond and Bond has deals, there is even a web site called Perweek that lets you search for products by the period of interest free terms they are offering.

The Scooter Bar has ads on Trade Me offering deferred payment and special deals on new motorcycles and on it goes.

There is always something essential that you need, like a new HD TV with Freeview, an iPhone, a new car, a stereo that you can plug your iPod into and on it goes.

A couple of years ago I bought a new Canon camera. I had the cash in my savings, but I decided to take the 18 months deferred payment and then pay it off straight away. I paid a week late and GE Money, the company that seems to be offering a large chunk of retail finance wanted to charge me a hefty fee for that, but no one sent me a slip or reminder to say it was due and I had diarised it a week out. I stood my ground and as Noel Leeming wanted to keep my business I didn’t have to pay the late fee.

6 months or so later I got a letter from GE Finance offering me a special deal with pre-approved finance for a sum, I can’t remember exactly, but it wasn’t interest free, they were offering me finance at 24% interest!

They have all sorts of great ideas and of course you could say that anyone silly enough to take that deal deserves to be taken to the cleaners, but the problem is that there are people who are struggling and will be thinking, these guys want to lend me money and I need money, so lets do it.

I wonder if there is recourse in the finance. If the person who is paying for their new HD TV defaults, does it become the finance company’s loss or the retailers problem. Finance companies are typically risk averse, so I’m guessing it’s the retailer. It would be great if someone can clarify that for me.

So here’s the thing. There are loads of people spending money they don’t have on things they can’t afford and chances are it’s not one item, it’s several over a period of time. So when the masses are broke and the retailers aren’t getting paid, what happens next?

We are already officially in a recession and things aren’t getting any better. Very soon a large number of people will owe much more on their homes than their value, especially the thousands who bought at 90 to 100% of the property value in a growth market and those who leveraged heavily for their retirement funds.

If retailers can’t recover their money, they can’t buy new product, they can’t afford their staff and the manufacturers can’t keep manufacturing. If houses aren’t being built because people can’t afford to buy them, all the trades will suffer, plumbers, electricians, builders, labourers, the list goes on.

Is this inevitable? Is there a solution?

Some people got hurt in 87′ but most people in New Zealand have not lived in a depression and have lived a life of instant gratification. Of course there will be some fortunes made as well. What could some of the consequences be?

Increased domestic violence is on the rise, violent crimes are on the rise including aggrevated robbery. Drug use is on the rise which increases crime and the worse of things are, the more displaced young folk will be heading into the welcoming arms of gangs.

How can we avert this?

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course https://luigicappel.wordpress.com.

Thanks so much for your support:)