It’s the beginning of the month and bills are coming due. If you are stressed out, it’s important that you know where and how to get access to financial relief. Please consider this not only for yourself, but for your adult children and elderly parents, too, even if you do not need it for yourself. On March 27, President Trump signed a $2.2 trillion stimulus bill into law that will hopefully provide some relief for many, perhaps including you. The CARES Act (Coronavirus Aid, Relief, and Economic Security Act) sends money directly to Americans, expands unemployment coverage, and funds loans and grants for small businesses. So let’s look at how you can access these funds. Who gets direct stimulus money and how much do they get? All eligible adults who have a Social Security Number, filed tax returns in 2018 and/or 2019 will automatically get a $1,200 direct stimulus deposit from the government within a particular income bracket. This is true whether you have been laid off, are currently employed, or are currently self-employed or an independent contractor. To get the full amount: A single adult must have an adjusted gross income of $75,000 or less.Married couples with no children must earn $150,000 or less for a combined total stimulus of $2,400.Every qualifying child 16 or under adds $500 to a family’s direct stimulus.If you have filed as head of household, have dependents, and earned $112,500 when you last filed, you will get the full payment. This payment is not considered income—it’s essentially free money from the government. Therefore, it will not be taxed. It also is not a loan, so if you are eligible, you will not be charged interest or expected to pay it back. As of right now, the stimulus is a one-time payment. Are there exceptions? Payment decreases and eventually stops for single people earning $99,000 or more or married people who have no children and earn $198,000 annually. Additionally, a family with two children will no longer be eligible for payments if their income is over $218,000. If you are an adult claimed on your parent’s tax return, you do not get the $1,200. What do I need to do to get my stimulus money? For most people, no action is necessary. If the IRS has your bank account information already, it will transfer the money to you via direct deposit. If, however, you need to update your bank account information, the IRS has posted on their website that they are in the process of building an online portal where you can do so. An important note: if you have not filed a tax return in the past couple of years, or you don’t usually need to file one, you should file a “simple tax return” showing whatever income you did have, so you can qualify for these benefits. You can continue to check for updates on how to make sure you get your payment by regularly checking for updates on their Coronavirus Tax Relief page. https://www.irs.gov/coronavirus When will that money come through? Treasury secretary Steven Mnuchin says that he expects most people will get their payments by Friday, April 17th, though other sources say that it could take up to 4–8 weeks. Loans (and Grant Money) for Independent Contractors If you have a business, are an independent contractor or are self-employed, you can apply for loans, and get a $10,000 grant from the government via the CARES Act. These are Economic Injury Disaster Loans (EIDL) and Paycheck Protection Program (PPP) loans. Please note that there are still elements of these loans that are not fully understood, and we are giving our best legal interpretation based on information from the Small Business Administration and the US Chamber of Commerce. VERY IMPORTANT: If you apply for EIDL right now, you can claim a $10,000 advance that does not need to be repaid. It’s essentially a grant that can be used to keep your business alive. You can apply for it right here: https://covid19relief.sba.gov/ Do it, now. This is applicable if you are an independent contractor, or a self-employed business owner. Basically, if you file a separate tax return for your business or a Schedule C on your personal tax return, you SHOULD qualify. But please see note above that we don’t really know how all of this will be implemented. What we do believe is that you should get your application in for the EIDL grant money. The PPP applications will be made through your bank, so contact your banker, if you believe you will need the PPP loan, which will be forgiven if used for payroll specifically in the weeks after receiving the loan funds. You should have the following information on hand to fill out either of the two loan applications: IRS Form 4506T—Tax Information Authorization—completed and signed by each principal or owner,Recent federal income tax returns,SBA Form 413—Personal Financial Statement,SBA Form 2202—Schedule of Liabilities listing all fixed debts,Any profit and loss statements, recent tax returns, and balance sheets. Here’s a bit more information about both loan programs. Economic Injury Disaster Loans (Above and Beyond the $10,000 Grant) Every state has been declared a disaster area due to COVID-19, and therefore your business may be eligible for an SBA economic injury disaster loan (EIDL). This is a low-interest loan that has terms that can last as long as 30 years, and can provide you with capital loans of up to $2 million and an advance of up to $10,000. Economic Injury Disaster Loans (EIDL) can be used to cover: Paid sick leave to employees unable to work due to the direct effects of COVID-19,Rent or mortgage payments,Maintaining payroll (to help prevent layoffs and pay cuts),Increased costs due to supply chain disruption,Payment obligations that could not be met due to revenue loss. Whereas the application used to take hours, it now only takes about 10 minutes to fill out. A couple of important notes, however: SBA loan reps have said that they are focusing on processing applications filed after March 30th, so if you have a confirmation number starting with 2000, you should probably reapply.Be sure to check the box toward the end of the application if you want to be considered for an advance up to $10,000 (as I mentioned at the top of the article, this amount does not need to be repaid and so is essentially a grant!). You can apply for disaster loan assistance here: https://covid19relief.sba.gov/ Coronavirus Emergency Paycheck Protection Loan The CARES Act’s $350 billion allocation to small businesses is specifically called the Paycheck Protection Program (PPP). It specifically incentivizes borrowers who maintain their payrolls, i.e., don’t lay off their employees. This program will fully forgive loans where at least 75% of the forgiven amount is used to pay employees for the eight weeks following the loan. If you lay off employees or cut salaries and wages, your loan forgiveness will also be reduced. PPP loans can be used to cover: Payroll costs,Group health care benefits during periods of paid, sick, medical, or family leave, and insurance premiums;Interest on a mortgage obligation,Rent, under lease agreements in force before February 15, 2020,Utilities, for which service began before February 15, 2020,Interest on any debt incurred before February 15, 2020. Small businesses with less than 500 employees (including sole proprietorships, independent contractors, and those who are self employed) are eligible. You can apply through SBA 7(a) lenders, federally insured credit unions, or participating Farm Credit Systems (ie your bank). Other lenders might be on the scene soon as well, but a lot of them are currently being reviewed for approval to the program. Full details are available here: https://www.sba.gov/funding-programs/loans/paycheck-protection-program-ppp We are here to support you making educated, informed, empowered decisions for yourself and the people you love, in all areas of your wealth, health, and happiness. In my blog last week, we discussed the most important legal and financial actions to take right now in light of this COVID pandemic. In case you missed it, you can read that here. I look forward to serving you during these unprecedented times. If there is anything I can do for you and your family, for matters concerning the law or anything at all, please contact me at (858) 432-3923 or at tara@cheeverlaw.com. I look forward to connecting (virtually) and serving you during these unprecedented times. Please stay healthy and safe! Sincerely, Tara Cheever, Principal/Owner of Cheever Law, APC |
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| Tara H. Cheever Attorney at Law at Cheever Law, APC A 5205 Avenida Encinas, Suite A, Carlsbad, CA 92008 P (858) 432-3923 E tara@cheeverlaw.com W www.cheeverlaw.com **PLEASE TAKE NOTE OF NEW ADDRESS** IMPORTANT: The contents of this email and any attachments are confidential. They are intended for the named recipient(s) only. If you have received this email by mistake, please notify the sender immediately and do not disclose the contents to anyone or make copies thereof. |
Category: Coronavirus COVID-19 Blog
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How To Get Access to Your COVID Stimulus Money
Information courtesy of Cynthia Burnham, MCEC -
Widespread hit to profits from COVID-19 signals slow recovery
The COVID-19 crisis has enormous implications for US corporations. As part of The Conference Board CEO Confidence MeasureTM, CEOs identified the largest impacts the pandemic was having on their businesses. All said they are shifting as many workers as possible to working remotely and drastically reducing business travel. The overwhelming majority, nearly 90 percent, have had their sales and profits negatively affected. This lost revenue will have repercussions on investment activity and productivity, and the impacts could very well endure post-crisis. At the lower end of the scale, 43 percent of CEOs cite cash flow issues as a major concern. If pandemic containment measures are extended beyond May, more businesses may need to address liquidity issues. -
How to Lead in Time of Crisis: This is the Ultimate Time for Empathy
By: Urs Koenig Here is what I learned from interviewing 15 leaders over the last 5 days on how to best lead teams and organizations during this time of crisis. What is your take away? What might you add? I would love to hear from you!
Original: https://www.youtube.com/watch?v=XAVAoxUp3Pk&t=
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It is both scary and enlightening that a software guy predicted the Coronavirus virus five years before it happen, yet we never listened. Why?
The next outbreak? We’re not ready | Bill Gates
How we must respond to the coronavirus pandemic| Bill Gates
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How to keep quarantine from ruining your marriage
Within hours, I was getting texts. And FB messages. And then a call from a quasi-terrified sounding former student: “Any articles or books you can suggest about how my spouse and I spend the next many weeks together in our tiny apartment without offing each other?”
Then, as if on cue, my husband of 28 years walks into our kitchen with the mail. Without so much as a wash of the hands or a spray of disinfectant, he casually places the pile — as our pre-pandemic ritual would dictate — on our stainless steel kitchen island.
“WHAT IN THE HELL ARE YOU THINKING?!” I yelled at him.
A new chapter in my marriage — and in so many other people’s relationships — is suddenly, and without warning, upon us.
Hello, quarantine; goodbye, routine.
Hello, life now filled with work-from-home mandates, surreal new stressors, makeshift computer stations, evaporating personal space, and new negotiations about, well, almost everything.
It’s clear that there is indeed a new reality for all of us. And it’s not an easy one — marriages and partnerships in practically every country around the world are now under stress.
But there is hope. Stress doesn’t have to result in a complete systems failure. As a marriage researcher and social scientist who studies and teaches about the micro-dynamics of thriving marriages, I’m happy to share some evidence-based insights that can help you and your partner navigate the weeks and months ahead as your relationship calibrates to this new normal.
No matter your age, stage of life or length of marriage, we must acknowledge this fact: We’re all experiencing losses at the moment. You are. Your partner is. For some of us, the losses are immediate and frightening, even grave. People are losing their jobs. Their businesses. And some have lost loved ones, friends, neighbors or colleagues.
For many, the losses in our lives may not be as tangible, but they still hurt. All pain is real pain. In fact, take a moment in the next day, if you can, and ask your partner: “What do you miss most from life ‘before’ quarantine?” No matter their response, you have just one job: Listen with an open heart, do not offer a fix-it response, and then reach out and hold them tight in a big, 60-second-plus embrace.
The strongest theme emerging among the many couples I’ve talked to the past few weeks is the widespread, unsettling undercurrent of all of these ambiguous losses in our lives. Even the happiest of couples are feeling the weight of financial shifts, dwindling space, and a yearning for the return to old rituals and routines. For many couples, the mundane moments of life “before” have become attractive, almost nostalgic: regular bedtimes, morning commutes, coffee in to-go mugs, end-of-day greetings, day-in-review dinnertime conversations, built-in daily autonomy, and even the predictable irritations of living as a couple. We didn’t know how much we loved how boring it was — and now that we can’t have it, we want it.
The good news: Once we acknowledge our losses, there is a lot that a couple can do, proactively, to not only survive quarantine but actually thrive through it.
It starts by shifting your perspective. What if we tried to embrace this new, weird time together as an opportunity or a reset? What if we saw this as a chance to intentionally develop new and improved ways of being with each other? I’ve studied this kind of co-creating in my own research with couples.
One of the findings is that when you and your partner recognize that you are creators of your own relationship mini-culture — your rituals of connection form the pillars of this culture — then you are more likely to choose, build and sustain them.
What is a ritual of connection?
According to researchers like William Doherty, therapist, professor and author of The Intentional Family, a ritual of connection is any way that you and your partner regularly turn toward each other. It could be emotional, physical, spiritual, you name it. They might be so mundane that many couples wouldn’t even call them rituals. It could be the way you greet each other at the end of the day when you reunite after work; the midday text to coordinate kid-pick up; the little prayer you say together before you drift off to sleep; and even the little phrases you use that have private meaning just between you and your spouse. Even a nickname is a tiny verbal ritual; it says to your partner “I know you in a way that no one else does.”
Research reveals that strong and meaningful rituals build strong marriages. They stitch couples together, giving them a sense of “we have each other’s back” and we’re in this together. And because rituals are rooted in a sense of predictability they are quietly comforting, they can reduce fear and counter stress both on the average day and in times of great uncertainty. Which is precisely what we have at the moment.
As a relationship ritual researcher myself, it’s been thrilling to hear the way many couples have been using this time as an opportunity to creatively grow new rituals.
A couple I’ll call Chad and Shawn have established a new rule or “ritual” to help them navigate living and now working in their small apartment. And it’s brilliant. Each spouse has chosen a special sweatshirt — and wearing it comes with a rule. When the other spouse sees you in it, they have to pretend you are invisible. No talking to them, no looking at them, no asking a question. It’s the marriage version of an invisibility cloak, a creative way to build in distance without having to verbally request it.
Another couple, like some others, are mourning the loss of their old morning routine, now that days/nights/work/leisure blur together without clear boundaries. So after a week or so of angst, they began a new practice. They get dressed in their work clothes, pack their lunches, and kiss each other goodbye. Then each of them walks out the front door, around the block (separately), and then back in the door (separately), ready to begin their work days. They do the same later in the day to mark the end of work and the beginning of family time.
Many couples are navigating quarantine with school-age or adult children who’ve come home to shelter. Two families separately shared they have instituted “themed dinners” once a week in their homes, with everyone “required” to dress the part. Hawaiian pizza and mai tai, anyone?
Then there’s this idea, one that I’m strongly suggesting to my own husband we promptly steal. This couple has made two laminated copies of a “one free pass today” card, and it expires at 11:59PM every night. Once a day, you hand it over to your spouse when you’ve done something stupid, said something mean, or forgotten to do something you promised.
One couple shared a beautiful new ritual that’s emerged since entering quarantine; they call it their “reconciliation walk.” After their workday is over and before they sit down for dinner, they take a stroll around the neighborhood, apologize for “any missteps we had with each other, and then hit reset for the evening.” It works. In fact, in the words of one spouse in this marriage: “by the end of the walk, we are no longer maintaining appropriate social distancing.”
Another couple has turned to the past for their ritual. They’ve decided to go back and re-read 15-years’ worth of their annual Christmas letters. They said: “We have gone back to when we first got married, and are reading them out loud to our kids who weren’t even around during that time. We laugh, and they ask questions about what things were like.” This same duo has dug out a box of the husband’s grandfather’s letters: “Bob’s grandfather wrote Bob a letter every week for 10 years. We read those as well. His grandfather was a preacher and an incredible man. His letters are uplifting and so wise.”
Similarly, another couple has pulled out the stash of children’s books — the favorites from when their now-grown children were toddlers. They pick one a night and read it out loud to each other but with a twist. They discuss how the characters in the book are similar to characters in their current, actual lives. What a great, creative conversation-starter — and a great way to learn more about some of the dramas in your spouse’s work life.
If you don’t have a box of letters or a shelf of kids’ books, no worries. You can invent your own ritual that incorporates a sense of humor and playfulness. Take the couple who has picked a random household object (I wish they had told me what it is; I’m picturing a tiny plastic squishy pig?) and invented a new game. They hide it somewhere in the house each day. If your spouse doesn’t find it, they’re on call to make the cocktails that evening.
The last example is one that I’ve told my own spouse we are absolutely adopting. Like so many others, this couple found that conflict in their marriage has increased during quarantine, and their own emotional reserves have decreased. So they’ve created a list — a place to “hold” all of their complaints. Their plan is to review the list each weekend. So far, most things on it are being waitlisted for post-quarantine times, but they predict many of these items will be irrelevant and long-forgotten by then. The list is a powerful bit of problem-solving that also gives them somewhere they can safely place their frustrations.
Couples: What will you do with this weird new time in your life? The research suggests that the tiny things we do can often have a big, positive impact. While you can’t control the world, you can stay home, stay safe and focus on what you can: Each other.
About the author
Carol Bruess (rhymes with “peace”) is professor emeritus at the University of St. Thomas, Minnesota; resident scholar at St. Norbert College, Wisconsin; and forever passionate about studying and improving relationships. She is fluent in emoji, loves parentheticals (it’s what all the cool kids are doing), and is happy-dancing her way through empty-nesting (although don’t tell her kids; they think she’s all weepy). Check out her five books and sewing/design shenanigans over at www.carolbruess.com
Original Appears here: https://ideas.ted.com/how-to-keep-quarantine-from-ruining-your-marriage/?utm_source=recommendation&utm_medium=email&utm_campaign=explore&utm_term=ideas-blog-1
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Two Principles for Leading Your Organization Through the COVID-19 Crisis
Business leaders are in the midst of a global crisis.
The challenges facing organizations, employees, and communities are unprecedented, the stakes are high, and certainty is nowhere to be found. Under such staggering circumstances, it is only natural for leaders to feel unprepared to lead capably, nimbly, and honorably.
“You’re feeling worry, fear, anxiety, pressure, and stress. And these feelings completely overwhelm you. And as a result of basically becoming overwhelmed, you almost become incapacitated,” says Harry Kraemer.
Kraemer is a former chairman and CEO of the $12 billion global healthcare company Baxter International. In addition to being a clinical professor of leadership at Kellogg, he also is an executive partner with the private equity firm Madison Dearborn. Over the years, he has led through crises small and large—including a tragic crisis involving faulty dialyzers and patient deaths.
In his view, there are two main things leaders need to understand in a crisis—two mantras, if you will, that offer a calm way forward, no matter what the situation. And, as he has been cautioning boards and management teams repeatedly in the past few weeks, COVID-19 is no exception.
“Almost every crisis is different. So there’s not a game plan for solving the crisis. However, there is a game plan, in my mind, for how you should approach the crisis,” he says.
Mantra 1: You’re going to do the right thing, and you’re going to do the best you can do.
It sounds deceptively simple, so say it again. And again. You’re going to do the right thing. You’re going to do the best you can do.
After all, that’s all you can do.
Of course, that’s much more difficult than it sounds, Kraemer acknowledges. You don’t have to figure out what “the right thing” is all on your own. Nobody is smart enough or superhuman enough for that. Instead, surround yourself with people whom you trust and whose values align with yours and with those of the organization. Collectively, you will all determine the right thing—and then do your best to act on it.
Picture your absolute worst nightmare, he says. For him, it would be learning that a member of his family had become critically ill with the virus; for others, it might be something quite different. Regardless, the way forward is clear: “I’m going to do the right thing, and with a lot of people’s help, I’ll do the best I can do,” he says. “I try to repeat this over and over again. Worry, fear, anxiety, pressure, and stress can be significantly reduced.”
And by the way, he says, if you start off trying to do the right thing and it turns out it’s the wrong thing, you can adjust. Ego should be removed from the decision-making process; changing your mind is encouraged! “As I told a board earlier today, we’re not trying to be right; we’re trying to do the right thing,” says Kraemer.
So what does following this mantra look like in practice—particularly when an organization’s values around, say, serving the community, prioritizing safety, and practicing fairness might conflict?
“Say I’ve got a company with 100 employees,” says Kraemer. “And 50 of them are in cubicles, but 50 of them are literally making the product and they’re on an assembly line on the plant floor. Then COVID-19 happens. What’s the right thing?”
For the 50 people in cubicles, you may send them home, even if it isn’t strictly fair: it will protect them and make the people on the assembly line safer as well. For the other 50 employees, the decision is harder. Do you need to continue to manufacture at all? If so—perhaps you’re making masks or hospital supplies or other essentials—then are there ways to make the process safer, perhaps by extending the manufacturing line so people can work further apart?
“That may mean we don’t make as many products. Maybe that means we’re not as efficient. Maybe that means our costs go up. But that’s something we should do because we want to protect our people,” he says.
Above all, be upfront about these trade-offs, as well as the risk to your employees. “I think what a value-based leader does is not only acknowledge that there is an elephant in the room,” he says. “They turn the floodlights on so everyone can clearly see the elephant.”
Mantra 2: You’re going to tell people what you know, what you don’t know, and when you’ll get back to them to discuss what you didn’t know before.
As the contours of the crisis become clearer, the exact communications will obviously change. But the general format will look the same: You’re going to tell people what you know, what you don’t know, and when you’ll get back to them to discuss what you didn’t know before.
The first part, telling people what you know, is pretty straightforward. For COVID-19, this might require gathering data about your own operations, as well as learning as much as you possibly can about the virus, and the federal, state, and community responses to it. Then, share this information as simply and honestly as you possibly can, even if it is not what people want to hear.
The second part—letting people know what you don’t know—tends to be even more difficult for leaders. “People will say, well, I don’t know if I want to get everybody together and let them know what I don’t know,” says Kraemer.
But telling people what you don’t know is the key to building credibility with your stakeholders, he explains. Omit this step, and customers, employees, and others will recognize you aren’t being upfront with them and might assume that you can’t be trusted or the truth is more nefarious than it really is.
“You’re not giving the people an understanding of what you’re doing and why, so it looks like you’re just jerking everything around and you lose all credibility.”
Finally, you will need to tell people how quickly you’ll get back to them with any outstanding questions they may have. “We don’t know the answer to that issue yet, but here’s what we’re going to do: we’ll have another conference call or we’ll send out an email tomorrow with an update on what we didn’t know yesterday,” says Kraemer.
Adhering to this mantra isn’t just about helping others, either, says Kraemer. It’s a good strategy for protecting your own reputation and that of your organization. Without this level of communication, “you’re not giving the people an understanding of what you’re doing and why, so it looks like you’re just jerking everything around and you lose all credibility. And that lack of trust creates chaos. [People] will start to think, ‘Either I’m being lied to, or the people in charge are idiots.’”
Beyond reputation, the mantra also offers an organizing framework to keep the entire organization on track. “The process, I think has an enormous impact on how you operate as an organization and how you help the organization not get frozen in place with everybody running around like crazy,” he says.
A failing during the current crisis, in Kraemer’s view, is that too many leaders, including many in the government, haven’t been upfront about the nature of the crisis: exactly what they know, all the things that they don’t, and how they plan to seek additional information and provide citizens with updates in the future.
The worst-case scenario, he says, is one where people are truly surprised by how events are unfolding. You can’t eliminate surprise, of course, but with strong communication and follow-through, you can minimize it.
Putting it all together
Leaders who follow these two mantras closely stand the best chance of emerging from the current crisis with their conscience—and their organization—intact.
There are some companies and industries that are already handling the crisis in ways that will reflect well on them in the future, says Kraemer. The airlines are bending over backwards to allow people to cancel or change flights without incurring fees, for instance, while Major League Baseball clubs have pledged $30 million dollars to the thousands of ballpark employees who will lose income while the league is on hiatus.
“It may hurt your profitability in the short term, but the long-term impact is going to be very, very positive because they did the right thing,” says Kraemer.
This post was originally published in Kellogg Insight here.
ABOUT THE WRITER
Jessica Love is editor in chief of Kellogg Insight.Photo by Erik Mclean on Unsplash
Original article appears here: https://harrykraemer.org/2020/03/23/two-principles-for-leading-your-organization-through-the-covid-19-crisis-article/
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HLTH WEBSITES FOR YOUR FAMILY TO MANAGE THROUGH THE COVID-19 VIRUS
HLTH (“health”) is an event designed for senior executives in the health industry. The bring together the largest audience with 7,000+ leaders to solve healthcare’s most pressing problems and realize the most promising opportunities to create health’s future.
HLTH features four days of inspiring content, curated networking, educational sessions, and dynamic events for payers, providers, pharma, employers, investors, startups, policymakers and innovation centers. They have put together this list of site to help us, family members and clients though the pandemic.
- K Health – Free Virtual Primary Care for Coronavirus
- Papa Launches Virtual Companionship
- 15 Health Innovators Offer Their Tools for Free
- CMS Health Care Providers Fact Sheet
- Free Access for U.S. Healthcare Professionals to Headspace Plus
- Sweetgreen Outpost – Delivering Free Food to Hospital Workers
- CVS Offers Free RX and Other Essentials Delivery Service
- AMA quick guide to telemedicine in practice
- Stream Free, Daily, 20-Minute Planet Fitness Workouts
- NPR Provides Guides and Stories for Children
- Tips for Homeschooling
- Managing Anxiety & Stress
- World Economic Forum – Managing Mental Health During Coronavirus
- The Best At-Home Workout Streaming Services to Try During COVID-19
- Center for Disease Control
- Department of Health and Human Services
- State and Local Health Departments
Outlets that have removed all paywalls on virus content: The New York Times, The Wall Street Journal, The Washington Post, The Los Angeles Times, The Guardian, The AP News.
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Inspirational Quotes
The Cocoon
1995 posted by CB Bowman
A man found a cocoon, of an emperor moth and took it home to watch it emerge.
One day a small opening appeared, and for several hours the moth struggled but it couldn’t seem to force its body past a certain point.
Deciding something was wrong, the man took scissors and snipped the remaining bit of cocoon.
The moth emerged easily, its body large and swollen, the wings small and shriveled.
He expected that in a few hours the wings would spread out in their natural beauty, but they did not.
Instead of developing into a creature free to fly, the moth spent its life dragging around a swollen body and shriveled wings.
The constricting cocoon and the struggle necessary to pass through the tiny opening are nature’s way of forcing fluid from the body into the wings
The ‘merciful’ snip was in reality cruel.
Sometimes the struggle……. is exactly what we need.
Struggles lead to great success.
