Obama Should Consider A Permanent Staycation.

civics quizObama should consider a permanent Staycation. Why?  Because it may deter him from breaking his own ill-conceived law a.k.a. Obamacare again and again.

What kind of man would blithely disrupt the medical care of millions of Americans, and then repeatedly lie to them with glib assurances that they could keep their doctors or health insurance if they wanted to?”  Thomas Sowell

1) Within months after Obamacare was passed, Obama, without approval from Congress, illegally gave some organizations, including numerous corporations and unions, an exemption from some of the requirements of Obamacare.  As time went on, more than 1,300 organizations received these exemptions.

2) In 2013, members of Congress and their staff complained that Obamacare was going to cost them a lot of money, and said that this would likely cause a brain drain among their staff. In response to this, Obama made changes to Obamacare so that these things would not happen. However, Obama’s actions were illegal, because he made these changes without Congress voting on them first.  The New York Times wrote of this:

… the language of the health care law requires Congressional employees to obtain health insurance through an exchange created by the law, but other parts of the federal legal code restrict the ability of the federal government to pay the usual employer share for group insurance programs approved by the Office of Personnel Management.

A straightforward reading of the law thus means that Congressional staff members, starting in January 2014, will have to obtain insurance through the Affordable Care Act but pay for it on their own without the normal contribution from their employer — Congress. This would be a multi-thousand-dollar income hit for those affected… many… would potentially feel the pain, giving rise to concerns over a potential brain drain of Congressional staff members finding other employment.

… the federal personnel office initially ruled that Congressional staff members would not be eligible for the subsidies, and then changed this decision under pressure from the White House…

3) In July 2013, Obama illegally delayed the employer mandate part of Obamacare from January 2014 until January 2015 without Congressional approval.

4) Even though Obamacare requires the government to verify the income of people who receive subsidies for Obamacare exchanges, in August 2013 it was reported that Obama would not be verifying their incomes.

5) As it was passed by the House and Senate and signed by Obama in 2010, Obamacare sets caps on the out of pocket payments that people pay for health care, and these caps were legally required to take effect in January 2014. However, in August 2013, Obama, without approval from Congress, illegally delayed these caps until January 2015.

6) Obamacare requires that individual employees of small businesses be allowed to choose their own insurance plan during the first year of Obamacare. However, in March 2013, the Obama administration announced that it would not be allowing them to make this choice during the first year. Because Obama did this without approval from Congress, his action was illegal.

7) After Obamacare was passed, Obama illegally added 20,000 extra pages to it, without approval from Congress.

8) In May 2013, the Washington Post reported that Obama had illegally used Obamacare to give additional powers to the IRS, without approval from Congress.

9) In May 2013, Health and Human Services Secretary Kathleen Sebelius solicited donations from health insurers to help pay for Obamacare. Such soliciting is illegal. Obama refused to fire or prosecute Sebelius for her criminal behavior.

10) Obamacare calls for the creation of 16,500 new IRS agents. In March 2011, 15 IRS agents illegally seized the medical records of 10 million people without a warrant. Obama refused to fire or prosecute them for their criminal behavior.

11) In August 2013, it was reported that Obama had illegally used Obamacare to fund pre-K education without approval from Congress.

12) In August 2013, it was reported that Obama had illegally missed 41 of Obamacare’s 82 deadlines.

13) In August 2013, it was reported that Obama was trying to give illegal Obamacare subsidies to unions, without approval from Congress.

14) Obamacare requires that the online registration for small businesses be ready by October 1, 2013. However, five days before that date, Associated Press reported that this deadline would not be met.

15) In November 2013, it was reported that Obama was trying to illegally exempt some unions from some of the Obamacare fees, without approval from Congress.

16) In August 2013, without approval from Congress, Obama illegally gave an Obamacare waiver to Massachusetts.

17) On November 14, 2013, after insurance companies had canceled policies that did not meet the minimum requirements of Obamacare, Obama told them to restore these policies. However, he did this without Congress voting to approve these changes to Obamacare. The President does not have the legal authority to change a law that was passed by Congress, without those changes first being approved by Congress.

18) In December 2013, Obama ordered insurance companies to cover “customers” who had never paid any premiums. Obama’s action was illegal because it violated the takings clause of the Fifth Amendment. It was also illegal because he did not have approval from Congress.

19) On December 19, 2013, Obama gave exemptions from the Obamacare mandate to people whose insurance had been canceled due to Obamacare. Because Obama gave out these exemptions without approval from Congress, his action was illegal.

Source: Dan From Squirrel Hill’s Blog

All Obama Can Do Is Ask Us to Look in the Rear View Mirror

Cadillac One -We Can’t Afford! to Go Forward!

Obama has been in the driver seat for four years with a majority in Congress for two years prior to his election and two years after his election, four more years than many presidents and the Democrats held the majority in the Senate for six years.  And yet his campaign is all about telling us to look in the rear view mirror, a.k.a. “it’s Bush’s fault.”  Since January 2007 and for four years, the Democrats were driving the bus.  We get Obamacare and 6 trillion in debt.

If you like this president and you believe in this president, just read Chapter Five of the book, Throw Them All Out.  If you still vote for this president, that’s on you.

Obama’s campaign slogan is “Forward.”  Frankly we can’t “afford to go forward, four more years with this president.  Obamacare alone will sink many small businesses and put us deeper and deeper into debt.  We have already spent more resources, more time, more energy, millions upon millions of dollars in personnel, administration and legal fees to shape this law.  If Sarah Palin had one amazing quality it was to tell it like it is, and Obamacare as it pertains to a solution to our healthcare’s rising costs, is like “putting lipstick on a pig.”

Highly regulated, healthcare is not free market capitalism and competition has been stifled.  Big insurance companies thrive on a highly regulated government subsidized system.  They want it.  They own the politicians.  The lawyers on both sides can pretend to fight for their constituent’s, then club it after work.

Obamacare is a politicians dream and a lawyer’s wet dream.

Now Obama’s campaign is about raising taxes on the high income earners.  That’s all well and good.  What he doesn’t understand is small business owners pay their taxes as ordinary income.  This is a legal structure setup to help small businesses to compete with large corporations.  Small businesses don’t need to pay more taxes.  The higher our personal tax rate becomes, the less we can invest in our small business. Raising taxes on ordinary income is raising taxes on small businesses. Lower the corporate tax rates for all businesses and more small businesses will follow.

High income earners are willing to pay more if big government spends less.  If big government didn’t pick favorites and simply lowered taxes on all businesses, we would have a chance to prosper.  Reign in regulation, stop subsidizing green energy companies and stop playing to the unions, a.k.a. Government Motors (GM), GE and Chrysler.  Stop subsidizing the oil business, but to be fair, stop subsidizing all big businesses.  Leave it to the states, counties and local governments to compete for and attract business.  Businesses will do better to choose a location and flourish where it is best for them, their employees and the community.

Bottom line, less big government, to the tune of $16 trillion in less than four years, less big union, like the takeover of GM, less big business influence, like the stimulus dollars paid to failed green energy companies, including Ted Turner and GE and less unemployment and welfare to us, as individuals, will follow.

Like Alan Kay says. “The best way to predict the future, is to invent it.”  Big government, get out of the way, let us reinvent ourselves.  We have the uncanny ability to prosper through free market competition.  That’s what’s best for our future.

Footnote:  Many conservatives may wonder why Governor Christie is pandering for Obama five days from the election.  Many say it is because he wants what’s best for the State of New Jersey.  I cry “Bullshit!” Obama came out and said he was going to do what’s best for all victims of this hurricane and I believe him, not because he cares, but for political expediency and his failed policies that left 4 American’s dead in Benghazi.  Christie is embracing Obama after this storm because he knows the door is wide open for him as the presidential candidate in 2016, if Romney is defeated and Obama is re-elected for another term.  Christie better hope the door is wide open, because what he had better understand. That at 69 years old, Romney will still be in better shape than Christie to win the next election.

Added Regulatory Burden is a Tax on Community Banks, Credit Unions and Small Business

This is the message from Financial Institutions (FIs) and Small Businesses burdened with Sarbanes-Oxley, Dodd-Frank and Obamacare.

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Although the Sarbanes Oxley has been in effect since 1992, bank regulators have turned up the heat on FIs and small businesses that support them in recent years.  Regulators have tasked FIs with obtaining extensive background on their 3rd party vendors, not the least of which is a Statement on Auditing Standards (SAS) 70 Type I or Type II.  Type II is much more comprehensive and is required if a 3rd party vendor has access to sensitive FI data.  Many small businesses have to deal with PCI compliance and regulatory uncertainties placed upon them by Dodd-Frank and Obamacare, as well.

The “short link” to this narrative is  community banks, credit unions and small businesses have to dedicate at least one full-time employees (FTE), plus high level management’s time to manage these regulatory requirements. 

FI’s are comprised mainly of community banks and credit unions with assets of 50 million to 10 Billion.  Many of them are small businesses too, employing 25-50 employees on the lower end to hundreds on the higher end.  Therefore FIs employ FTEs and/or outside consultants to manage the burden.  The SAS 70 requires a great deal of technical expertise.  In addition small businesses have had to hire their own 3rd party accounting, legal, security and compliance experts to test regs tied to intrusion detection, audited financial statements and site inspections.  Vendors have had to install and keep up-to-date hardware, including an array of security cameras and a “boat load” of security and encryption hardware and software, as well.

Consider these FIs manage 20-30 3rd party vendors .  Add to this the cost to each vendor, small community banks and credit unions, who have to manage the same regs.  Consider the changes vendors have needed to make to the software they provide to FIs.  The costs could be well into the billions. 

Add to this hundreds of businesses, call it a “cottage” industry, that have sprung up to aid  3rd party vendors and FIs who can’t afford to deal with all these new government regs and compliance.  Small business vendors can easily spend $10,000 or more per month to provide compliance to customers and the security they need under ever increasing government regulations.  Ironic isn’t it?  New businesses are spawned by increases in government regualtions.

Added regulatory burden is a tax on small business.  Businesses, especially small businesses have to pass that cost to our customers and so on to the end result, the consumer.

One final consideration.  Community banks, credit unions and small businesses are not going to get the media attention of Occupy Wall Street.  We are occupied with raising our families, growing our businesses and gainfully employing people who want to work for a living.  We generate over 60% of the new jobs in this country.  If our government continues to go down the path of increased regulatory burden and continues to place the burden on small business, legislators will have fewer laws to pass, fewer regulations to enforce and fewer job creators to tax.  You will put us and more of my fellow job creators out of work.

Here’s our  message to our representatives in government…

“If you continue to put small businesses,  the real job creators out of business, we will turn the full force of our entrepreneurial spirit into making those of you, who over-burden us with excessive regulatory burden, out of business, too!”

Background:  SAS 70 was issued in 1992 and there have been no changes in it until now. Now effective for accounting periods beginning on or after June 15, 2011 a new standard, Standards for Attestation Engagements (SSAE) 16 will be in effect. Do not expect any immediate changes. Most companies have fiscal years that correspond to the calendar year. For those the new standard will not be effective until January 1, 2012 and the reporting under the new standard will not be available until the company’s financial results for 2012 are published in 2013. Many people misinterpreted the SAS 70 report as a means to obtain assurance regarding a vendor’s controls over compliance and operations. It was not. It was only a report of the vendor’s controls over financial reporting matters. The new SSAE16 reports will be much more comprehensive.

Under the new reporting regime there will be three varieties of reports, SOC 1, 2 and 3. The SOC 1 report will be similar to the existing SAS 70 report in that it will report on the company’s controls relative to its financial reporting. A SOC 2 report may address one or more of the following five key system attributes:

* Security – The system is protected against unauthorized access (both physical and logical).

* Availability – The system is available for operation and use as committed or agreed.

* Processing integrity – System processing is complete, accurate, timely and authorized.

* Confidentiality – Information designated as confidential is protected as committed or agreed.

* Privacy- Personal information is collected, used, retained disclosed and disposed of in conformity with the commitments in the entity’s privacy notice, and with criteria set forth in Generally Accepted Privacy Principles (GAPP) issued by the AICPA.

The new auditing framework places additional demands on the management of the organization being audited. Management must make a representation of the controls in place and a criteria for the description of the system, design and operating effectiveness of the controls. It must also evaluate the risks that threaten the achievement of the control objectives and any changes that were made in the system during the period.

 

Got Wood?

We have MoveOn.org in support of Occupy Wall Street.  Well what exactly do they do now?  Move On or Occupy?  Occupy or Move On?

Just for fun let’s look at these two organizations thinking M&A?  Which law firm would represent them?   Think IPO.  Which Wall Street firm would they choose? 

I tried to figure out which of these movements or occupations is best to follow.  Honestly, I’m not sure.  They both have valid arguments and serious flaws, like how they hurt small business.

A merger between MoveOn and Occupy could be a lesson to Microsoft and Yahoo, like oil and water.

If you go on the Move On website there are too many Move this and that movements to follow.  If you try to understand the Occupy this city, that State or country’s position, well… it gives one pause.  So we’re at a standstill.

So to get this impasse, one would assume most activists would prefer movement to being at a standstill.  Going nowhere is boring.  Rhetorically speaking one could say both MoveOn and Occupy Wall Street are consistently incongruous and therefore not helpful? 

What one can be sure of is whether they are moving on or standing still, neither position is creating jobs. 

“Back in the day sonny” he croaks, from his Easy Boy recliner, “when all we knew was black and white, if we needed to make a point, we did it in a demonstrative, albeit sometimes incoherent fashion.”  Think Woodstock.  Joe Cocker’s With a Little Help from My Friends was a classic Joe Biden sound bite.  Incoherent!  Just kidding Joe!??  No need to insult anyone?

So one can’t help but ask, “Who’s Got Wood?”   Woodstock?  A cause expounding peace and love that resounded worldwide over a single weekend or Occupy Wall Street that makes us wish Jimmy Hendrix was still singing “Hey Joe” to Joe and Joe was heading for Mexico.  You decide.

Woodstock.  1969.  Made into a movie.  Not a Michael Moore movie.

A movie that will live on in history.  Why?  Almost all of these people now have good paying jobs.  Most of them pay taxes.  Yes, some are dead, surprisingly fewer than one would think, like artist Keith Richards, the wrinkly rocker from the Rolling Stones.  OK, he wasn’t even there and surprisingly, he’s not dead.

These peace loving folks went home after a long weekend of demonstration and made a difference for America.

Most folks here in America and around the world applaud Occupy Wall Street for making a statement.  We hear you.  We hear all of you.  You can make a difference, just not standing still.  Not anymore. Now you are hurting the same people you should be trying to help, job creators.  Small business people.

Take all the creative energy you have and do something positive.  Like in the movie “Pay It Forward.”

Feel free to agree, disagree or simply ignore me.  Express “yourself.”  Leave your comments, share or  spread the word with Stumble Upon button below.  Subscribe or come back often to visit.

Hospitals Are For Sick People!

We are a small business in the “high tech” business.  Our goal is “advancing the paperless office.” It’s a shame our company and so many companies like ours simply cannot afford to do business with the government.

Doing business with the government is  a paperwork and regulatory nightmare.  We don’t have the time, the resources, a team of consultants to guide us or a team of  lawyers to protect us, God forbid we forgot to dot an “i” or cross a “t”.

“That is why The Affordable Care Act is destined to fail. It’s unintelligible.  Just ask anyone who hasn’t read it.”

As a software development company which replaces paper with electronic records, we believe technology can and will solve many of the cost containment problems with healthcare.

The problem is government needs to get out of the way.  Forget about subsidizing doctors with taxpayer dollars for buying government mandated and precertified technology called HITECH.  The problem is there’s too great a cost and too much red tape for a small business to get into the game.

Worse, doctors are going to pay too much money from the select few companies that are willing to run the government gauntlet to become certified under Obamacare.

Let the free market work.  My company has 32 employees.  Healthcare costs are a growing concern for our small business.  We pay the employee’s healthcare in full which has risen on the average more than 10% per year per employee over the past several years.  In the process we are seeing benefits shrink and costs increase for both employer and employee.

This is a partnership between employer and employee.  Employers want to provide a benefit in the form of compensation, in particular with a pre-tax benefit to the employee.  Employees want quality affordable healthcare for their families.  We ask the employees to participate in the decision making process.  We collaborate to find the best available plan for the money.

One of my employees with a spouse and 5 kids says, “I might as well just hand my paycheck back over to you to pay for my family’s healthcare.”

As an employer I feel terrible about this type of sentiment, but I’m paying for the employee’s healthcare, plus the cost to shop and administer the plan.  There’s nothing in it for me but to try to remain competitive in the salary and benefits area with other employers.

The 2011 National Physicians Survey, conducted by Thomson Reuters/HCPlexus and polling almost 3,000 American doctors, shows that while Obamacare would raise spending, premiums, overall U.S. health costs, and debt, it wouldn’t raise the quality of American health care. Rather, by a margin of well over 3 to 1, doctors expect the quality of American health care to decline over the next five years, in the wake of Obamacare’s passage: Only 18 percent of doctors expect the quality of health care to “improve,” while a whopping 65 percent expect it to “deteriorate.”

Recall that Gallup recently announced that only 13 percent of Americans support ObamaCare as is.  I’m not blaming this all on the President, but you have to walk the walk to talk the talk.  The President doesn’t do either.

Health insurance cost is a moving target for small business. In 2010 we paid full medical benefits for 27 FTEs.   Our cost averaged $4,900 per employee per year. This is up only 5% over 2009 due to changing providers from Blue Cross to Humana, changing plans from a PPO to an HMO, higher deductibles and over 1/2 of the FTEs selecting H.S.A.s due to the cost to their families. Since there is really no competition between providers, Blue Cross, Humana and United Healthcare we have been switching from one to the next every 2-3 years based on the plans available and the economics. In 2011 the cost will has increased to $5,030 per employee until August when we will again negotiate a new and undoubtedly less desirable coverage. Keep in mind the impact is felt not only by the employer, but by the employee with spouse and children as well.

The answer to rising prices and declining benefits is to increase competition in the health insurance market.  Why do we need a new law to create healthcare exchanges?  Why can’t we lift existing regulations to allow competition across state lines?  Encourage, not put limits on Health Savings Accounts H.S.A.’s as the new Affordable Care Act does.  I pay for my employee’s health and dental benefits up to the monthly H.S.A premium. If they select a more expensive plan they pay the difference.  I have physicians who have discounted procedures 25% because they know I’m paying for their services out of my own pocket (at least until I reach the out of pocket maximum).  The emphasis at our company is to be healthy.  We have our own gym.  We have a cycling team for the formed to fight MS.  If an individual is making decisions on their own behalf with regard to their health and their health care costs, the cost of healthcare will  truly become more affordable.

The bottom line is we simply cannot afford to get sick.

Where common sense fails. disingenuous, dishonest, demagoguery prevails.

From PoliticalCalculations.com: Combined, the Top Ten recipients of this corporate welfare took 45.6% of the total $1,789,449,634 taxpayer dollars that were doled out, with the United Auto Workers taking the largest chunk by a wide margin, with $206,798,086, or 11.6% of all the taxpayer money that was allocated for the purpose.

Surprisingly, two telecommunication giants AT&T and Verizon took the second and third positions, with 7.8% and 5.1% of the total take respectively.

After that, three state agencies occupied the fourth, fifth and sixth largest positions—the Teacher Retirement System of Texas, the Georgia Department of Community Health and the California Public Employees’ Retirement System (CalPERS), the latter frequently in the news recently for corruption scandals and its massively underfunded pension liabilities.

The eighth and ninth ranks are taken up by the State of New York and the Pension Accounting Services Department within the State of New Jersey’s Treasury Department.  Corporate basket case General Electric, which has come to rely greatly upon government mandates, special protections, subsidies and bailouts for its revenue, rounds out the Top Ten with an even 2.0% of the total handout.

The remaining 1,305 entities collected the remaining 54.4% of the money paid out by the government to pay for the health benefits of people who chose to retire from their professions early, with the Minnesota Cement Masons taking the least of all the recipients, at 60 dollars.  Source: politicalcalcualtions.com


Why do politicians, the president the mainstream media and a plethora of celebs continue to make a silk purse out of a sow’s ear?  Not so at the Washington Times…

“The president’s own secretary of health and human services, Kathleen Sebelius, has admitted a major section of the Obamacare law is “totally unsustainable.”

“The now-familiar monthly trickling down of new waivers is, at best, a tacit admission that Obamacare is a failure. So far, seven entire states and 1,372 businesses, unions and other institutions have received waivers from the law. The list includes the administration’s friends and allies and, of course, those who have the best lobbyists.”

“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.”

“But the political payoffs don’t stop there. The Obama administration  didn’t forget its closest friends in the latest round of waivers. Although  there are 435 congressional districts across America, nearly 20 percent of the new waivers, amazingly, found their way to a single district – Mrs. Pelosi‘s.   As for Mr. Reid,  well, the entire state of Nevada found an early waiver in its Christmas stocking.”

The answer is they have no real stake in the game.  Politicians and the President want to be re-elected.  Their own constituents get a pass.  They don’t pay for their own healthcare. The mainstream media and celebrities and their Cadillac health insurance plans can afford to pay more.

The small businesses and their employees are left to deal with big government mandates already proven to unpalatable to 3.1 million individuals exempted from the plan, of which 1.55 million are in union plans. Those who received waivers and those who pay no taxes are going to continue to vote in favor Obama, Pelosi and Reid.  They have held the keys to the kingdom and skyrocketing debt too long.

If you are a taxpayer, do something.  Lean hard on federal, state and local politicians to come up with a better answer to the high cost of healthcare than the Affordable Care Act.

Ask your physician to cut you a break on your healthcare costs.  Negotiate with every insurer who offers healthcare in your state.  Look for plans which cover individuals and their families outside your employer’s plan(s).  Start moving.

Do everything you can to stay healthy.  Hospitals are for sick people.

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Tax What I Spend… Not What I Earn! Dare Big Gov to be Fair!

It’s time to look towards major reform.

The question in my mind is why hasn’t Congress and the President embraced The Fair Tax, also known as HR-25, filed in the last several Congressional sessions?
This is also legislation the NFIB should support.

Here’s how the FairTax would transform our nation.

– Federal personal and corporate income taxes, estate taxes, gift taxes, capital gains taxes, the alternative minimum tax, Social Security and Medicare taxes plus self-employment taxes vs a simple, national sales tax on new goods and services (there’s a Fair Tax calculator at the bottom of this post – check it out).

– 67,000+ pages of tax code and regulations the IRS even gets wrong vs 133 pages in The Fair Tax Act

“If the FairTax were passed tomorrow it would be the biggest transfer of power back to the people in the history of this country because Congress controls us by taxing us,” Rich Giambruno, a Fair Tax advocate said…

– A loophole ridden tax code due to special interests vs getting the same deal as the next guy

– Spending $300,000,000,000 to figure out taxes every year vs looking at a shopping receipt

– $2,000+ per taxpayer costs due to current evasion vs everyone paying in front of the cash register

– Politicians and lobbyists divide and conquer with exemptions and social engineering vs one clear rate for all Americans beyond the poverty line

– Class warfare through the tax code vs the right, left and center against the self interests of Congress

– Regressive payroll taxes off the top of your earnings vs truly not paying taxes on necessities

– Paying Washington before you see it vs pay-as-you-go taxes only on what you choose to spend

– Declining Social Security solvency vs a strong base of revenues and cost of living indexing for seniors

– Guilty until proven innocent vs IRS free sales taxes

– IRS intrusions vs simple cash register payments

– Charitable giving with only 30% receiving tax write-offs vs a $2,100,000,000 giving increase due to 100% pre-tax donation dollars in a booming economy

– Increasing indebtedness vs FairTax free home, auto, credit card, etc payments on current debt

– A mortgage interest deduction claimed mostly by the wealthy vs 19% lower costs of home ownership

– High college costs vs education 100% tax free thereby lowering college costs almost 50%

– Stagnating wages vs 10% 1 year real wage growth

– A sluggish economy vs 2.4% additional first year GDP growth and 11.3% higher by the 10th year

– Small business owners paying three times more to prepare taxes than actually owed to Washington vs tax free earnings and fees to collect the FairTax

– Stock market malaise vs tax free stock purchases with no capital gains taxes

– US manufacturers at a worldwide corporate tax disadvantage vs American exports competing fairly

– Trillions of dollars held offshore due to high US taxes vs tax free investments back into our economy

– Cascading taxes on products when raw materials are harvested, items are manufactured, shipped and sold at retail in addition to corporate taxes vs one flat tax rate at the point of final consumption

– More US jobs to China vs the Made in America label

– $10 billion IRS budget vs collection fees to states

– Documenting, measuring, and tracking income for tax purposes until April 15th vs just a spring day

– Source FairTax Friday Weekly Newsletter

National Federation of Independent Business (NFIB)

I consider myself an entrepreneur.  My business, Integra Business Systems, was incorporated in March, 1988.  Our slogan is “advancing the paperless office.”  We develop enterprise content management (ECM) software also known as document imaging, or the electronic file cabinet.  Our customers include financial institutions and the financial services industry.  Our customers eliminate paper by digitizing documents by scanning paper or capture and archive “born digital” documents. Born digital documents include Adobe Acrobat (PDF) documents, Word, Excel, Google Docs, email, etc… We have 30 employees and growing.  We are a private, closely held, self-funded small business.

I believe the freedom and the success small business owners are blessed with and enjoy here in the USA, is based on the entrepreneurial spirit; individuals driven by God, family and freedom, the foundation America.  I believe my business and thousands of small businesses like Integra, make up the heart and soul of our great country.

I also believe you get out, what you put into something.  I discovered the National Federation of Independent Business (NFIB) several years ago while I was stumbling through some of our Human Resource (HR) issues.  The NFIB Employee Handbook available to members, opened the door to our long-term association.

The NFIB became a reliable source of content related to the needs of a small business in areas to include HR, finances, sales and marketing, legal and regulatory issues.  Like all small businesses, all these areas are costly and difficult to navigate alone.  While I cannot advocate the NFIB as a replacement for professional consultation and their services, the NFIB serves as an affordable surrogate source and Garmin-like resource for small business.

I realize this sounds like a “paid ” endorsement.  The only shameless promotion here is my own.  In fact, any involvement you have or partake upon with the NFIB is entirely up to you.  Like I said, “You get out, what you put into something.”

NFIB President Dan Danner

Towards that end I want to share with you what I think this is the best and most timely message to the public with regard to understanding the plight of small business and the economy that anyone could have delivered to this president and the rest of the politico in DC.

There is so much smoke and mirrors coming from the media and the Obama administration with regard to small business, I just wish more media outlets would have published this message (follow the link) from Dan Danner, NFIB president.

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