Human beings fear change. We like the security of rules. We like reliable outcomes – it’s reassuring to know that if you do x, y will happen. It seems we’ve spent the last 10 or so years learning the rules:

“The stock market goes up and up;
Property prices go up and up;
We have to borrow as much as we can and leverage to take advantage of growth over time;
Time in the market, not timing the market;
Debt is not a problem so long as we can get more debt”
Now suddenly someone changed the rules without telling us. The music stopped and we’re all scrambling for chairs and not only have they moved them all, they’ve turned the lights off and we’re all standing in the dark, too scared to move a muscle in case we stumble or do the wrong thing. visit:- Dominique Grubisa Reviews

Yet for some people this is a time of great opportunity. Before they had to compete with everyone else and that was hard because everyone was good at the game. They all knew the rules too well and had been playing for a long time. Now those same people are waiting for the new rules to be published, tried, tested and declared successful and then, for abundant caution, they will wait and observe others trying the rules and doing well before they give it a go themselves.

It is those who adapt and react to change quickly who will prosper. As Darwin said:

“It is not the strongest or the smartest of a species who survive, but those who are most responsive to change.”

Most people will spend the next 12 months doing one of two things:

Trying to lay blame somewhere and moaning to anyone who’ll listen:
“It’s not fair. It’s the government’s fault. It’s the bank’s fault. It’s the greed of others …”


Defending the status quo:
“Australia is not in a recession. It’s all part of the normal economic cycle. House prices will go up again soon.”

As Warren Buffet said recently:

“I don’t worry too much about pointing fingers at the past …there’s an enormous advantage to being able to act fast at a time like this … People know they can call me and they can get an answer in 10 seconds….”

Yet most people won’t act fast. Most people won’t change at all because they are too worried about clinging to the past, whether it be complaining that the past rules changed and left them in the lurch or arguing that the past rules are still valid and everything is still the same.

Meanwhile the successful people are busy writing their own new rules.

In the words of Ralph Waldo Emerson:

“Do not go where the path may lead, go instead where there is no path and leave a trail”

Dominique Grubisa is a practising Barrister with a commercial law background who is dedicated to helping indebted consumers in this current time of economic crisis.

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