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Long-term unemployed. Continually updating and expanding my skills. Willing to be flexible and consider income sources and work duties other than those in my past. More than willing to start my own little business in an effort to provide for myself - but unable to secure the capital to do so.
Not everyone has what it takes to go into business for themselves. And there are certainly lots of excuses to avoid doing so. Some aren't willing to work hard enough or long enough to succeed. Some are unwilling to take risks. They prefer to trade stability and security for the possible rewards. Some are afraid to lose what little they have. Some lack the creativity and flexibility to venture out of a structured, conventional, traditional, corporate environment. Some have only specialized skills and are unwilling to broaden their skill base in order to provide for themselves.
I'm fortunate. I was taught that life changes and that I should be flexible in entertaining the alternatives available to me. I love to learn and returned to school in my 30s and again in my 40s. That education includes training in a technical school and in a variety of trade skills. I never believed I was obligated to follow a traditional career path. I'm willing to entertain a wide range of possibilities to provide for myself. Nobody is obligated to give me a job or to provide for me. I value work in all its forms. I know that if I insist on being employed by someone else then I have to be able to offer skills and services they want. It doesn't work in reverse - they aren't going to create a job that accomodates me. No honest work is beneath me. I know that my life doesn't carry any guarantees or entitlements. In many ways it is what I make it. I prefer the self-respect that comes with creating my own opportunity and income to my present alternatives.
I'm a single, well educated 50ish woman with vision and hearing impairments. The majority of my professional life has been in a traditional business environment. However, I've also worked doing a host of other things. Lawn work and landscaping. Freelance graphic design. A wide variety of farm work including the broad range of responsibilities required to care for dairy cattle, beef cattle, and flocks of chickens producing hatchery eggs. I worked in a tool factory. I even spent a couple of months picking berries one summer. I've worked with hot, sharp dangerous items and caustic chemicals. Hard, dirty honest work that lots of Americans aren't willing to do.
The fact that you're concerned about your retirement and your health insurance suggests a couple of things to me. First, you have a retirement fund and health insurance which makes you more prosperous than tens of millions in this country. Second, it suggests that your decision not to even consider the possibility of self-employment is being driven by your fear of losing what you have.
When I learned to do jewelry work I learned that many of those standardized tools often worked better and filled a wider range of uses if modified just a little bit. For example, a small barrette file can have the teeth removed from its edges and be used effectively in setting stones. You may be afraid to choose to be anything more than a cutter or a corkscrew or a file. That doesn't mean that you lack the capability to become a Swiss army knife. Your choice is a reflection of your attitude. I respect your fear and your limitations. But they are yours and not mine.
If I had access to the capital required to do so then I'd create my own frickin job. You may not be up for that. However, given the inability of our economy to create jobs, such capital should be made available on a much larger scale to those of us who are willing to make that choice. When I'm successful I might hire you.
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