Pants on Fire! Where’s Politifact When You Need Them?

The Real One Percenters – Small Business People

The Tampa Bay Times Thursday July 26th, 2012 issue, posted this front page headlines…

“Tampa businesses criticize Obama at Romney event, but live off government work.”

The Tampa Bay Times (TBT) reveals their own extreme prejudice by stating, “Despite that dependence on government largesse, the companies’ owners (in an article “Tampa businesses criticize Obama at Romney event, but live off government work.” written by Michael Van Sickler, Times Staff Writer) dismissed the role of government in their businesses.”

Small businesses who provide products or services to government under contract do not “live off government work.”  They benefit as any business would, by creating, producing, hiring when necessary, building and delivering products or services to a government entity.  The Obama administration would like their supporters to believe small businesses don’t pay taxes as individuals.  Many of them do.

In fact, the government “lives off the work” of small businesses who are taxpayers, like anyone else.

The TBT has determined Lou Ramos of Value Enterprise Solutions and Rebecca Smith, owner of A.D. Morgan are somehow indebted to the government.  If they didn’t work and earn the income they received from the government, it’s up to the government to fire them.  Businesses who can navigate the rules and regulations to be certified as a government contractor should be applauded. If a government contractor does something illegal it’s not up to the TBT to indict them.   Frankly, these headlines are shameful.  If you agree government contractors live off government work then you agree that all government contractors do the same.  The long list includes GE, Boeing and includes all government workers, too.

The article states, “The Mitt Romney campaign offered up an inspirational tale of two local companies Wednesday as a way to cast President Barack Obama as an out-of-touch, big government apologist who doesn’t understand how business works.”

This is an editorial comment that is purely a supposition on the part of the TBT and hardly constitutes front page news.  I would agree the TBT columnist and the TBT fear their statement is a fair assessment of how small business owners think of the President and his policies.

The TBT goes on to defend Obama, “During his speech, Obama spoke about how even the most successful business owners didn’t make it alone, that they were helped by others, including in some cases those in government.”

“But the Romney campaign is stressing one part of that speech, including a line where Obama stated, “If you’ve got a business, you didn’t build that. Somebody else made that happen.” Taken alone, that might mean Obama is refusing to award credit to business owners. When the entire section of the speech is included, it’s obvious what Obama’s point is.”  TBT quotes the president in the context he is interested in a cohesive relationship with small business, “When we succeed, we succeed because of our individual initiative, but also because we do things together,” Obama said at the same Virginia event.”  In fact, the government works for the taxpayers, a.k.a., income earners.  Your job Mr. President is to serve and protect the public.

Obama’s comments convey the message that small businesses need government to succeed.  The real story is, government needs small businesses to succeed.  Obama supporters, including TBT, would have you believe small businesses that do business with the government are not taxpayers and live off government work.  In fact, small businesses are not employees of government.  They don’t enjoy a weekly paycheck, insurance, pension or other government guaranteed benefits.  How are they “living off the government work?”

Small business tax dollars are spent like any other taxpayer’s dollars on government programs, including infrastructure, roads and bridges.  When a small business person fills up at the pump, on average, we pay almost 50 cents per gallon to the government for taxes on gasoline, approximately 12.5 cents on every dollar (GasPricewatch.com).   Add toll roads to the equation and in many parts of the country the cost to taxpayers for infrastructure goes up.

Like most small businesses, I work for myself, my family, my 35 employees and the community.  I pay taxes as an individual, not as a corporation, so I have a vested interest in deciding how to spend or reinvest in my business. Reinvesting the income I earn is why I have successfully run a small business for 24 years. Unlike our president, I applaud anyone who is or was gainfully employed, whether by the government, as a government contractor or in the private sector.

In the end voters will decide, not based on campaign rhetoric, which flows freely from both campaigns, but based on the real message. President Obama’s statement, “If you’ve got a business, you didn’t build that. Somebody else made that happen.” has an underlying message that plain and simple. The presidents message is, “If you need government to successful.”  Romney’s message is, “If you need free enterprise to be successful and for our country and our government to survive.”

The TBT should apologize to Lou Ramos of Value Enterprise Solutions and Rebecca Smith, owner of A.D. Morgan, as well as all small businesses, all government contractors, all government employees and all hard working Americans who are in their words, “living off government work.”

EntrepreNever

If it takes you 27 years of sweat equity running a ‪small business to make it into the 1% don’t you think there should be a waiver from the Obama administration on his tax on everyone who makes $250,000 or more?

There are waivers for Big Union and Big Business for Obamacare.

  small business  owner is a community organizer too, only he’s not spending other people’s money.

After all, a small business reports income taxes on what the business makes and then must determine how much of that income has to go back into the business for the business to survive and grow.

Why should Obama decide how many employees I should hire?  Why should he decide how much we decide to invest in new and existing products and services to survive or grow?

 

 

 

 

 

Wanna Get Away?

Where to turn, And oh, btw, best of luck.

I just read these stirringly emotional and impactful comments, from a nephew of mine on Facebook.  Lesson learned.  You’re never too old to learn.  Of course, I had to share them.

Nick is a courier.  It’s a tough job.

From my nephew Nick, “After an especially difficult day at work that almost meant not coming home, I’m having one of those life reflective sorta evenings.. I suppose it’s good that I’m in a good mood about it all, and glad the mistakes I’ve made have made me understand that most of us never get to walk on easy street and that everyone is a screw up on occasion. That I have a good family that may sometimes think they’re flawed, though they may not realize I prefer it that way.. A group of friends, several close, and a whole bunch far and wide, that I enjoy talking, joking with, and kicking back with.. I couldn’t replace one minute of my strange yet wonderful life!

Nick isn’t wearing a mask.  He is very matter-of-fact.  When the I-35W Mississippi River bridge collapsed, he called his dad and said, “I was just over that bridge less than 10 minutes ago.”

I35 bridge collapse

More from Nick. “And to the clueless motorist that ran that light, putting your life in my hands to send that probably unimportant text message and not watching what you were doing, be thankful that I’ve been at this game for years and that the ditch I hit going full speed wasn’t your car and that I was able to keep that rickety work van wheels down and not hit the line of oncoming innocent bystanders on that 2 lane highway there as I regained the reigns.

There are many of us out there that just wanna pay our bills the only way we currently know how, and to make it home when the work day is done.

Please, just pay attention out there. Nothing you can do in the car is important as concentrating on driving and on what’s going on around you.

Nick, in conclusion, “Truth is, I like what I do.. Though it’d be nice if the pay was better, I don’t feel like I need much of a light on me or the work I do.. As for the optimism, I try to stay that way as the only other option doesn’t do anyone any good. Too many people drown in their sorrows these days. I don’t wanna be one of them! Better to enjoy the finer moments and weather the not so great ones, thus the reason I don’t hold a grudge on said motorist from today…

Priceless, yes? A VISA commercial, no; but there’s a Southwest Airlines commercial in here somewhere. Help me out!

Justice Roberts says… Read My Lips… the Individual Mandate… It’s a Tax!

John Roberts, evil genius – Daily News

There is too much speculation and not enough information for small businesses about Obamacare, a.k.a. the Patient Protection and Affordable Care Act. 

Here are some talking points for small business people, like myself, that will hopefully lead to a greater understanding and a more intelligent debate over the new healthcare law.

First, Obama parades around the country telling people there will be tax breaks to help small businesses with Obamacare, a.k.a. Patient Protection and Affordable Care Act.

There are no tax breaks from Obamacare for my small business with 34 employees and growing.

See –> NFIB’s website healthcare calculator to determine if you business qualifies for tax cuts.

Note: When we do reach 50 employees there are penalties for not offering health insurance coverage to my employees. As we approach this rather arbitrary number, we will have to consider any and all alternatives.

We offer our employees 100% healthcare benefits, but what effect will exchanges have on my existing plan?  There is no simple answer and not enough clarity in the law at present.  Both SHOP (Small Business Health Options Plan), the small business exchange no one knows anything about and individual exchanges are part of the new law.

In the 644 page document, Final Rule State Healthcare Exchanges, from the Department of Health and Human Services (HHS),  the fears of uncertainty grows from sample extracts below taken from the law that imply more government regulation and control including:

“Consistent with the scope of the Exchange establishment and eligibility proposed rules, this final rule does not address all of the Exchange provisions in the Affordable Care Act; rather, more details will be provided in forthcoming guidance and future rule making, where appropriate.”

How about this extract? “The final rule does not address all of the insurance exchange provisions of the Patient Protection and Affordable Care Act and additional rules will address those, according to the rule.”

This statement implies Big Brother’s not done and wants to get into other private markets, “SHOP may want to fulfill additional functions outside the scope of the proposed rule in order to offer employers a streamlined experience when managing their employee benefits.

These commenters proposed that the SHOP sell other types of insurance, administer COBRA on behalf of participating employers, administer flexible spending accounts, assist small employers in setting up Section 125 plans, and oversee wellness programs.”

Scary stuff for private enterprise from comments like this, “We will take these comments into account as we consider future guidance on the offering of other products on the Exchange.”  One things for sure, Obamacare has spawned thousands of lawyers and IRS agents.  Its a small business nightmare.

For more details see –> Alien Nation, a.k.a. Obamacare Nation
You can also refer to –> Lawyers Have Already Drafted 13,000 Pages of Regulations for New ObamaTax Law

What we see is more government intervention including more paperwork, compliance issues and regulatory pressures.  Why not work to improve what was already in place by simply open up the competition to providers across state lines?  Why not just do a better job enforcing the laws we already had in place to cut down on Medicare and Medicaid fraud?  An example of what government should concentrate on would be the Justice Dept.’s case against GlaxoSmithKline who agrees to pay $3 billion in largest U.S. healthcare fraud settlement.

Second, Health Savings Account plans help my employees to buy more affordable healthcare insurance for their families.

Obamacare now limits the savings, in two ways: it restricts the types of health products you can purchase with your H.S.A. money, and it reduces the amount of money you’ll be able to put into your FSA.  Unsurprisingly, there’s a price hike, too. It doubles—to a whopping 20 percent—the tax penalty for withdrawing H.S.A. funds to cover non-medical expenses. 

The new medical loss ratios (MLRs) even discourages H.S.A.s because Obamacare limits payments by individuals to 10%, only payments by insurers count, which discourages patients from making their own decisions about the cost of their healthcare.   

Third, why waivers?  Obamacare is the best thing for Americans, why is Health and Human Services (HHS) giving waivers to the largest unions, like the United Auto Workers and large corporations, like AT&T, Verizon and of course, none other than GE? 

“More than 50 percent of the Obamacare waiver beneficiaries are union members, which is striking because union members account for less than 12 percent of the American work force.”  See –> Political Calculations

See –> Hospitals Are for Sick People

As long as we are on the subject of waivers, now that Justice Roberts has declared Obamacare’s individual mandate a tax, what happens to the waivers?  Now you are going to tax some but not all Americans?  Big Union and Big Business gets a tax break?

Fourth, consider enforcement.  Senator Rubio said in an interview, instead of spending law enforcement dollars chasing bad guys, we’ll be spending our resources chasing American’s who either can’t afford or won’t pay for health insurance.

This resonates considering they don’t want law enforcement chasing illegal immigrants,

Fifth is access.  Anything government can do to improve the quality of healthcare automatically improves the cost of healthcare. Improvement in cost improves access.

Politifact claims Governor Scott’s statement about healthcare rationing is “false” based on the premise we are not changing the business of healthcare.  That’s Politicrap.  The more people who have access to healthcare the greater the likelihood for rationing.  Why? This law does nothing about quality or cost, it’s all about access. 

Also, Medicare permeates the whole system, and the law does nothing to improve Medicare, except phantom future cuts.

Adverse selection is built into the law, Americans will wait until they get sick to buy insurance and you can’t be turned down. But, as presently constituted, the new “tax” is a steal — $695 is cheaper than most annual health insurance policies.

Premiums will skyrocket. Worse, because of the law’s modified rating, prohibiting more than a 3 to 1 spread between premiums for the oldest and youngest, the young will be hardest hit.

This is just redistribution from young to old.

The subsidies for the poor, 133-400% of the poverty level, will be budget busting.  Recipients will have premiums limited to about 10% of their income.

This is a defined benefit, open ended financial commitment and hugely redistributive.

Young people will have to stay under employed to keep their insurance.

Finally, with regard to insurance portability, the HIPPA law in the 90s prohibited carriers from denying policies or limiting benefits for pre-existing conditions to individuals with continuous coverage.

If an individual loses coverage they can buy COBRA or affordable HIPAA policies as long as they haven’t gone more than 62 days without coverage.

My vote will be “Do over, or do more to enforce the pre-existing laws, do more to increase competition.  Allow more insurance companies to compete across state lines and repeal Obamacare.”  November 2012 will be a “mandate.”

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