Mr. Grumpy Pants

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Cody Bear

In a world filled with tragedy and sacrifice, with Islamic terror attacks in San Bernardino, Orlando, Istanbul, Bangladesh and now Nice, I am angry. Like many of you, I feel helpless. I try not to be judgmental. I’m trying to be more retrospective.

I hear every day, of the misery of innocents in Syria, Iraq and beyond, the suffering of so many, by religious persecution and genocide. How do I, should I, shut out the pain and suffering of others, so I might carry on with daily life?

Granted, I am a bit of a news junkie, in particular since 9/11. That day I was informed of the attack, I thought it was a joke. Now I stay informed.

Many who are close to me would advise me to be more laid back, less grumpy, let the planes fly over my house without mooning the passengers. I’m going to try to be more laid back. I may even consider cancelling the order for a 12 ft. sign telling a certain airline to “Get the f*** off my plain.” Yes, I spelled plain correctly, as in my domain.

Unfortunately, I remain a skeptic. For example, I find “Mr. Grumpy Pants” has a reason to remain in character with the decision by Mr. Comey, Director of the FBI to exonerate Hillary Clinton of any purposeful wrong doing in her use of a personal server for email as SOS. He just basically said she and all those associated with her are idiots, but that’s not a crime! Could we be faced with four, even eight more years of Obama!!??

"if you've got a business, you didn't build that"

“if you’ve got a business, you didn’t build that”

Have I grown increasing cynical? Probably. Do I feel less empowered? No. I make my own decisions and draw my own conclusions. Simply put, DC is corrupt and the only remedy is term limits.

I wrote Eyes Wide Open  a few years ago. It was a personal soul searching Q&A. I keep going back to it to find better answers, and disturbingly there are few if any, that I have discovered, only more consternation. I ended my missive by citing my best friend and companion over the past 13 years. Cody, my 13 yr. old chocolate lab passed away recently. I miss him terribly.

Cody epitomized everything that I believe should be right in this world. His life, was a respite fom everything that is wrong with this world. Cody gave me his unconditional love. I gave him mine. We need more relationships like ours. Did I mention I picked up his poop?

 

 

 

Small Business Owners – Making Millions, of Jobs That Is…

Obama - Biden Entreprenever_edited-1President Obama, you coined the phrase “middle class economics” as one of your latest “camplaign” appeals.

I coined the phrase “Entreprenever” for you.

Mr. Obama, you have never been an entrepreneur.  You are successful beyond the imagination of most people’s dreams.  You are obviously a highly talented and intelligent person. You have a loving family.

You have a loyal and caring following… then here comes the but, at least not until, and unless, you are willing to walk in a small business owner’s shoes, you’re politics hurt small business owners.

I’m an entrepreneur.  I’m not a millionaire, but job growth is a constant in my business. There are a lot of small business entrepreneurs out there earning millions in taxable revenues for their small businesses, who aren’t millionaires.  They’re making jobs, not millions.  Why not millions of dollars? Too many regulations, too many taxes, too much big government getting in the way.

Small Business Owners make millions of jobs, not millions of dollars! That’s what I call “American Exceptionalism.”

Mr. President, if you truly want to help the middle class, help small businesses grow and hire more people.  They’re your middle class economy.  There are many up and coming millionaires that are making products, providing services and creating jobs.  They should be paying less taxes, NOT more, than they do today.

Small businesses want to invest their income in products, services and jobs, not squandered on meeting meaningless regulatory bureaucratic “make work.”  Call it unintended consequences, but I don’t think you really care, or you care more about bureaucratic jobs than you do about free enterprise jobs?  Free enterprise better defines “middle class economics” than big government any day!

Free enterprise defines middle class economics” better than big government any day!!

Small businesses that file their taxes as individuals need lower income tax rates, even at the top income brackets, so that we receive a fair return for the risk we take to grow our businesses.  In my case, growing a successful business from 1 to 40 FTEs required; cashing in all my savings, a second mortgage on the house, personal loans from friends and family, 12-14 hour days, no PTO or vacations for the first 10-12 years. The mortgage on my house was $100K when I bought the house.  Twenty-five years later after loans, it is still over $200K.  If I’m not successful, that will be my legacy to my children, not your children.

Before you insert your platitudes about every American giving their fair share, you’re too intelligent to believe our current entitlement society, including illegal immigrants choking our medical, educational and government resources, is fair to hard working legal US CITIZENS.

The failure rate for small businesses like my own is one success in five failures.  So where is your reward at the end of the tunnel?  Higher taxes.   You don’t care, but higher taxes on small business owners prevent further investment in their business,  reduces the chances of paying off outstanding loans and lost income due to lack of cash flow.

I didn’t have a 401K or savings account for over 10 years.  I don’t have a huge stock portfolio, a second home, fancy cars or take Alaskan cruises… well OK,  I did take an Alaskan cruise with my wife,  It was awesome!  Should I thank you Mr. President?  Higher taxes is how you, our President rewards hard work, ingenuity and innovation.  That’s why I coined the phrase for you, President Obama, Entreprenever.

Yes, I’ve seen the news stories about this small business and that small business, who obtained and SBA loan or some other government handout.  Good for them!  That’s great theater.  That’s great politics!  You’re the best!

I’m not going to get into the weeds on excessive regulation and the politics here.  There are plenty of people capable of doing so.  Of this I am certain.  You’ve never run a business, certainly not a small business, and certainly never had to put your life’s savings on the line for a small business.

Mr. Obama, you’re ticket’s already been punched.  You’ve already made millions.  You stand to make millions more.  Maybe you already have, so what’s my point?  My point is you can never say you are for the little guy, the small business owner, end of story.

For all the Rich and Famous liberals out there that make millions and billions, mind your own f$$$$n” business!! If you want to raise taxes on people, think about small business owners versus our government’s track record in making money.  You’re pretty good at it, why don’t you get it!!!

We’re $18 Trillion in debt.  You could let big government spend more money on the backs of hard-working small business people, as well as, their employees and their families.  You could push for lower taxes on small business owners or you could just put you money where your mouth is…

Send your contributions to:

Gifts to the United States
U.S. Department of the Treasury
Credit Accounting Branch
3700 East-West Highway, Room 622D
Hyattsville, MD 20782

Much obliged!

Sincerely,

The ideacapitalist

Small Business Owner

Liberals Die When They Want To…

162Zeke says, “Time to go!”  I’ve now been educated that liberals die when they want to, or in fact, they need to, in order to make Obamacare less of a disaster.  Liberals mandate when it’s time to die.  Whereas conservatives die when they have to and not when its convenient.

I’m one of them.  A conservative.  I’m 62 (now 65).  It may be convenient for liberals like you, Zeke Emanuel to die when you want to, but conservatives don’t have that luxury .  After all, somebody has to pick up the tab.  We don’t get to choose when to die.  There’s this thing called family.

I have a family.  A wife who’s retired and 2 grown children just getting started in their careers.  My wife needs a husband who can spend more time with her.

My two girls are just getting started in their families and in their careers.  Did anyone tell you Zeke, kids are getting married in their 30s and 40s, not in their 20’s?  Did anyone tell you, they’re having kids in their 30s and 40’s not in their 20’s?  Who are these kids going to call Grampa, if I cash in my chips, toes up at age 75?

My wife has been waiting over 40 years for me to retire.  She has worked in the school system and done the lion share to raise my children throughout their formative years.  We didn’t even start taking vacations until the girls were in high school.  What am I going say to my wife when I’ve finally paid off the mortgage, sold my business and our kids are popping out babies, snot-nosed kids that we can spoil at age 75?  “Sorry honey, Zeke says, time to go.”  Really?!

The Zekemobile

If I retire from my business at 68-70 years of age, I get to enjoy 5 yrs. in retirement?  My wife and I could spend time with our daughters, their children, and would have maybe 5-7 years to see the world or at least a little more than the backyard??!

That’s when I had an idea!  Like in Back to the FutureI could build a time machine like the DeLorean DMC-12 only in an 8 passenger family and friends van to escape from Zeke and Obamacare.

My Mom would have a heart attack if I told her I was going to die at 75 years of age.  She would only be 98!  It would be too much of a shock to her system.  How can I ask her to pass up an opportunity at age 100, to be mentioned by Willard Scott on the Today Show?!

I run a successful small business. I am employ over 35 (now 45) people.  I take pride in helping them and their families.  They’re my extended family.  One of our very own extended families had a baby today, 8 lbs. 10 oz.  That baby will be 29 yrs. old Zeke, a young adult with a new family and hopefully a burgeoning career, when his own Dad is supposed to die.

I gave my Dad’s eulogy when I had turned 60.  I had 30 more years today to be with and learn from my Dad, Zeke, than you would ask of one of my own employee’s son’s to share with his Dad?!

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Jonestown Massacre 918 Died

Most of my friends are my age or older, so who would I hangout with?  I guess when that time comes in 10-15 years we could throw a Jimmy Jones Jonestown party and all drink the Kool-Aid Zeke Emanuel is selling?

Frankly Zeke, you’re a joke and you make me sick.  You’re an Obamacare zealot?  You’re just in it for the money.  You don’t care about anyone but yourself and your lord and savior, Obama, so I’m not going to rollover and die for you.

On the other hand, if liberals, like you, Zeke, want to die at 75 yrs. of age, that’s OK.  It just sounds like another liberal born entitlement to me.

One that I can live with…

Elizabeth Warren will tell you, “You didn’t build your business.”

Elizabeth Warren

Elizabeth WarrenElizabeth Warren, epitomizes progressive America.  Warren, has never worked in the private sector.  She was Special Advisor for the Consumer Financial Protection Bureau (CFPB) (2010–2011). In no small measure, because of the CFPB, there will be no more de novo banks and community banks are disappearing. I consider community banks small businesses. They can’t afford the regulatory pressures imposed by the CFPB.

Elizabeth Warren will tell you, “You didn’t build your business.”  What she fails to consider is that those of us that build businesses also pay the lion share of the taxes so ALL citizens and non-citizen’s alike in this country can enjoy our roads and bridges, including Elizabeth Warren and her progressive anti-business rhetoric.

Progressives are systematically redefining success in America. If you created a business in America, “somebody else made that happen.” If your business succeeded and if you make a good living you are now demonized by the left.  Barack Obama and Elizabeth Warren will tell you, “You didn’t build your business.” Consider the source.  In spite of all the advantages Elizabeth Warren and Barrack Obama espouse to provide for small businesses, they cater only to big government.

It is our money, our time, our family’s sacrifices and our ideas that built our businesses.  Our tax dollars built the roads, the bridges…

It’s impossible for a small business owner to fathom how a taxpayer of any party can come to the conclusion, our government builds anything without taxpayer dollars.  Liberals need to wake-up.  The government doesn’t make money, they spend it!

More recent details on Elizabeth Warren here.

You Cannot Govern Leadership

individualism

While small business owners are putting up their houses and their life savings to survive, to cash flow their business, to hire employees, President Obama was and still is, greasing the palms of his political donors in the name of greentech failures, spending billions of our taxpayer dollars.

The alarming failure of big government was never more evident than when President Obama publicly and carelessly joked about a trillion dollars (stimulus (taxpayer) money) wasted on “Shovel-Ready Was Not As Shovel-Ready As We Expected.”  Where was the red flag then?  Where is the red flag now?

The only hope I see for this country is individual responsibility, and leadership that creates prosperity, not big government. You cannot govern leadership.   Today individual responsibility, leadership, and American exceptionalism are too often political talking points and empty words. When individual leadership fails, or fails to materialize, it creates dependency.

Leonardo da Vinci said it 480 years ago and he said it in Italian. Here is the clearest translation:  “People of accomplishment rarely sit back and let things happen to them. They go out and happen to things.”

I don’t do what you’re passionate about, but be passionate about what you do.  Don’t follow your passion.  Let your passion follow you.  That’s leadership.

As a small business owner after 25 years it has been my experience, the most important life decisions you make, have to be made on your own.  I built my business and leadership is key.

Others will pontificate as to what a leader is, what a leader must do and how a leader must act.  I don’t have time for all that and neither do you.  The best way to find out if you are a leader is to deal with life’s biggest challenges when it comes to crunch time.

Decide on your own and act accordingly.  You’ll no doubt get plenty of advice, but no one is going to know better than you, what to do.  You are better qualified than anyone or anything to make the decisions that affect you personally and those who depend on you.

There’s a disturbing trend in our day-to-day lives towards dependency on others, big institutions, big labor and big government.  Sweat equity has been replaced by entitlement equity.  People measure success based on what they can get, not what they can give.  

A major new study by Harvard economist Raj Chetty, however, shows things haven’t changed all that much. “Children entering the labor market today have the same chances of moving up in the income distribution relative to their parents as children born in the 1970s,” it finds.  “That doesn’t mean politicians can’t improve people’s chances of rising. It’s just that the best way they can do so is by getting out of the way.”  The Foundry

The problem is the more you lean on the government, the more your life depends on government.  You are governed by more  laws, more regulations and more public policy today than ever before.  Who you become, what you do, and how you do it, is shaped by public opinion and the mainstream media.

In this new era influenced by mass media and public opinion, big government is their divined solution to all your problems.  American exceptionalism, entrepreneurship and the multitude of small business success stories that built a thriving post WWII economy, are too often ignored, discounted and discouraged with crippling regulation and  laws that are the new normal.

What if a typical family spent like government?

What if a typical family spent like government?

Individualism and leadership are sorely needed.  People, not big government, can make a difference.  You and I need to step up to the plate.  Our country’s in peril as is our next generation.  Take on the career politicians who have created roadblocks to personal responsibility and leadership.  Our country is on the line. Vote them out in 2014 and 2016.

Career politicians passing laws that control our lives severely curtail the entrepreneurial spirit and small business startups, the little engine that could, that should and does grow the economy.   Consider the cost of healthcare has virtually doubled for small businesses in the past 5 years.  

Entrepreneurs are the lifeblood of free enterprise. Their heart is beating for their next customer, for their fellow employees and their families.  Their soul is intact.  They epitomize what comprises the backbone of our country, small business.  In their shadows are the real leaders, the chief cooks and bottle washers; the real risk takers that stand behind their champions, small business owners.  Small business owners are essential to the future success of the US economy.

Entrepreneurs are not the only leaders.  Leaders are people I see when I come to work before dawn.  I see them after dusk, when darkness settles.  They are resourceful.  They don’t think twice.  If you say something to them about the long hours they keep, they will readily commiserate with you, complain if you will, but there is a sense of pride in their voice.  There is a smile on their face.  These hard working people who are the heart and soul of the US economy.

In an atmosphere where people lean more on government, blame others and institutions for their circumstance, we need more leaders. Whether you are a parent, employee, small business owner or CEO of a multi-billion dollar corporation; people depend on you for guidance.  You are accountable for the success or failure of others.  You have to make decisions that affect other people for better or for worse. 

In business or in your personal life, when the time comes, no one will make the important decisions for you.  Don’t get me wrong.  You will get plenty of advice.  “If I were you…” “You should…”  “You could…” “You might…” Later on, after the decision has been made, you will summarily receive the same words, only in a different context.  “If it were me…” “I would have…”  I could have…”  “I would have… Draw on your own experience.  Make your own decisions.

The most important decisions you can make, are made by you alone.  That’s leadership.  You can change the world, change you can believe in.

My “Lousy” Health Insurance Plan

President Obama’s November 14, 2013, news conference on healthcare, was nothing more than him trying to save face by putting a presidential spin on something that has clearly spun out of control.  Mr. Obama’s spin could sound good for those unaware of how things really work with insurance and state insurance plan filings.

Mr. Obama’s come under fire for lying to the American people with his now infamous sound bite: “You can keep your doctor and your health plan.”  We’ve all heard it.  When that didn’t come to fruition on October 1, 2013 (the launching date for ObamadoesntCare), Obama and his spokespeople tried to spin the spin with another sound bite: “well if you had a lousy plan, your insurance company cancelled it” and boy did the people eat that up, giving consumers the impression they have Lousy insurance, which is contrary to:  “If you like your insurance plan you can keep it” promise.

Rosello Insurance Companies

But don’t fret, Mr. Obama has changed his position yet again and is now “allowing” us to keep our “lousy” insurance plan for at least another year. What’s the difference between the POTUS and an insurance salesman?  The POTUS knows he’s lying!

Well let me relate a personal horror story with the latest example of an Obama labeled “Lousy” insurance plan (which has become a reality for many Americans around the country).  We are now a statistic with the other 5,518,000 insured’s who’s insurance plans are being cancelled and losing our coverage.

As an Independent Agent, we represent a number of different insurance companies writing health insurance for small and medium businesses in Florida.  Our own agency group health insurance plan is presently written through United Healthcare.   Here is a brief description of what Obama defines as a “Lousy Insurance Plan” since United Healthcare is discontinuing/cancelling/terminating:

My Current Plan that was canceled due to ObamadoesntCare: ACA Approved Insurance Company Proposed Replacement Plan: Now when I attended school, we learned under old math:
$1,000  In-Network Deductible $1,700  In-Network Deductible $1,700 deductible is 70% higher than a $1,000 deductible
100% Co-insurance after the deductible 80% Coinsurance after the deductible
 $1,000 total out-of-pocket expense for the year $4,000 Out-of-Pocket expense $4,000 Out-of-Pocket Expense is 400% higher than a $1,000 Out-of-Pocket
$25 Primary Care doctor office co-pay & $30 Primary Care Doctor office co-pay $30 doctor copay is 20% higher than a $25 copay
$50 copay for a Specialist visit $70 copay for Specialists $70 Specialist copay is 40% higher than a $50 copay
Remember this is what Barack Hussein Obama refers to as a “Lousy Plan” in an attempt to cover his tracks from his “You can keep your health plan” sound bites. Group monthly savings for the “Replacement Plan” =  $158  per month Save $444 per year in premiums and pay more than $3,000 in out-of-pocket expenses per year

My out-of-pocket expense will sky rocket under the replacement plan, costing me thousands of dollars more per year.  Hey, but at least my individual monthly premium savings will be $60 per month or $720 for the year.  What an investment, save $720 per year in premiums and pay more than $3,000 in out-of-pocket expenses per year.

So much for the “Lousy Plan”.   Wonder if things could sound better if we can use the new politically correct Common Core mathematics equations, and see if we could arrive at percentages for the massive out-of-pocket increase, that would seem a bit more palatable, giving the appearance that $720 annual premium savings, is much better than having to pay more than $3,000 out-of-pocket expense?

My money is on Mr. Obama laying blame on insurance companies for cancelling health insurance plans (having to comply with ObamadoesntCare rules and regs) and Obama will double down on the “LOUSY” Plan narrative.  When Americans learn insurance companies cannot go back and reinstate those discontinued insurance policies because of state laws, it will be the evil insurance companies fault and not the genius in the White House (and I’m not talking about Valerie Jarrett or Jay Carney).

Sadly, the President’s Executive Order does absolutely nothing (but makes for a great sound bite – something Mr. Obama seems to be good at) for the 3 million people who have already lost their health plan, which is 2,924,000 more than enrolled in ObamadoesntCare for the same time period.  Insurance companies cannot do anything to remedy except re-file and unless the states are put on notice to streamline and approve the re-filings, it will take months upon months for the re-filings to get to the consumer.

Good news for Floridians, the state insurance commissioner will comply with the executive order and reinstate the cancelled policies.  However, I believe 9 states, including the State of California, have indicated stated they will not be reinstating cancelled health insurance plans. So much for being able to “keep your health plan”.  In the meantime, Obama will have the luxury of telling Americans he’s doing all he can (such as bypassing Congress and issuing Executive Orders) and insurance companies are just not responding fast enough and this has been the problem with insurance.

Obama and the Democratic Party have managed to dismantle and throw into chaos, a healthcare delivery system that successfully covered 85% of Americans, in order to cover 15% of the uninsured. 

Obamacare regulations 3-12-2013

Could health insurance companies have tweaked health insurance plans and made them better, absolutely.  They could have done it without the federal government issuing 3,000 new pages of laws and spending billions of taxpayer money by getting into the health insurance business!  Billions of dollars of taxpayer money the United States does not have!

Ideally, allowing business to purchase health insurance policies on an association basis and across state lines, would have helped increase the purchasing power for small business around the country.  But purchasing insurance through an Association and breaking down state barriers is a threat to the federal government’s quest to socializing America’s health insurance delivery system.

Being able to broaden the purchasing power of business, as labor unions are allowed, would have given business the opportunity to bring insurance rates down and to cover more of the 15% of the uninsured having a hard time qualifying for insurance.  Labor unions have the luxury and privilege to purchase their insurance across state lines, pooling union members.  Business is not allowed the same privilege.

It’s clear, Mr. Obama’s goal is to have the federal government takeover 1/6 of the U.S. economy.   There was no reason for the federal government to spend over $600 million of taxpayer money in reinventing the wheel, when insurance companies were already set up to underwrite and deliver insurance.  I cannot reiterate enough; the federal government disrupted and has ascended the U.S. Healthcare system into chaos to cover 15% of the uninsured, while inconveniencing 85% of covered Americans! Why?  It makes absolutely no sense!

Tom Rossello
tom@fmi-ins.com
 Florida Independent Insurance Agent

Christians don’t teach our children to hate. Radical Islamists do.

Children of Islam

Children of Islam

Our liberal press a.k.a. MSM are more than willing to report a story when an angry American (of course they are white extremists) push or shove an innocent Muslim in the aftermath of the Boston Marathon bombings.

I agree its wrong and two wrongs don’t make a right, but ignorance and prejudice are wrong, too. The media bias is Beyond the Pale.

Best way to describe how the MSM tries to lead us around by the nose. The article, Why Muslims Kill by Daniel Greenwood, gets to the root cause as to why terrorists acts such as 9-11 and the Boston Marathon bombing are not going away.

Excerpt: “The better news outlets answer with convenient terms like “radicalization” or “self-radicalization” and much of the public, primed to react to meaningless political jargon as if it had meaning, will think that they understand. A radical, they know, is a bad person, except for a brief period when surfers and ninja turtles could use it and still be good people. They don’t quite know why that is, but they also don’t know why high debt is good for the economy or why Islam is a religion of peace.”

I think any attacks by American citizens is deplorable but let’s not lose sight what is happening to Christians worldwide being attacked, murdered and maimed by Muslim extremists.

Follow this link —> Islamic Terror Attacks on Christians

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The point is, where is the indignation on the part of Americans, the MSM, when countless hundreds of Christians are killed and thousands are injured every year at the hands of Islamic extremists. You have to dig to find a news story.

Angry Americans?  Christians don’t teach our children to hate. Islamists do.

Follow this link —> Children are raised to hate America

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