Cause or effect? The key point here is that at any given moment, you have the choice. You either allow what's happening to affect you and hold on to your excuses. Or you take full responsibility for what is going on and choose to get your result. I know which I choose!
Research shows that if you empower a woman, you empower a family, a community, and indeed a nation. This is because women invest 90% of what they earn back into their families' health and education, making a lasting difference. Yet while there are so many smart and hard-working women out there, many of them struggle in particular with access to banks and loans. Today, more than 2.5 billion adults in the developing world are considered 'financially excluded'. This means that they do not have access to basic financial services, such as savings, bank accounts, or credit. The majority are women.
When all things are taken into account, the UK is investing almost nothing in its economic future. The Coalition government may have conjured some temporary growth, but this will disappear without much more new investment and if we want to avoid long-term decline we need to act right now. The hard fact is that productivity growth in the UK has ground to a halt and there's a very simple reason for this: the UK, for the first time since the start of the Industrial Revolution, has virtually stopped investing in the type of economic activities which are capable of delivering increases in output per head of the population.
Life is all about the balance between risk and reward; what could I suffer for what I desire? Get to where I want to go quickly and take a dangerous shortcut or maybe take the path that most travel and just be happy to get there safely. This balance of loss versus gain is what drives investment more than anything.
It may seem the stuff of fairytales, but there are in fact lots of reasons why you might receive a cash windfall. After all, an unexpected tax rebate, a work-based bonus or a sudden inheritance could all make a big difference to your finances.