In Life, the Most Important Decisions Are Made Alone.

It’s easier to make the tough decisions if you know someone has your back. Loyalty is earned, not deserved.

We are experience!

My experience from a flailing and fledgling salesperson to the owner and CEO of a successful software company, the most important decisions you make, you make alone.

I’m not a life coach.  I’m not a marketing guru. I’m not a motivational speaker or social media guru.

I have nothing to gain by sharing my personal experiences, so I will spare you any hype. I just want to reinforce my own beliefs, that people can make a difference, if they are willing to open their minds and hearts, without prejudice.

Whether you are a family man or woman, a CEO of a multi-billion dollar corporation, if people depend on you for guidance, you are held accountable for the success or failure of others.  Therefore, you have to make decisions that affect other people for better or for worse. That is my definition of a leader, plain and simple.  You don’t have to be Bill Gates to shine or suck. Worse, you probably have less to gain by making the tough decisions, at least from a monetary perspective.

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 if you’re like me, neither do you.  The best way to describe how to deal with your life’s biggest challenges is to rely on your past experiences and your gut. Do something!

When it comes to crunch time, a leader must decide on their 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.  So there is nowhere to turn.  Ultimately you are the most qualified to make a decision that affects you and your loved ones.

You must make the most important decisions in your life, and make those decisions on your own.  Sorry Doctor Phil.  This isn’t a TV show.  This is real life.  The same holds true in business.

When the time comes no one wants to 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 different context.  “If it were me…” “I would have…”  I could have…”  “I would have…

I am sure you have heard these expressions as well, “It is lonely at the top.”  It matters less your stature in life.  It matter most, the decisions you make based on the challenges you face.  Trust me, from a person of experience, the most difficult decisions you have ever made and the most important decisions you will ever make, will be your decisions alone.

We are experience.  Small business owners are the lifeblood of free enterprise. Their heart is still beating.  Their soul is intact.  They epitomize what comprises the backbone of our country.  They are the chief cook and bottle washers; the real risk takers.  Small business owners are essential to the future success of the US economy. 

Small business owners are the spine that stands up and remains strong in the face of diversity, against ever increasing government regulations, against subsidies to big union, subsidies to big businesses and big government.  Small businesses must prevail if we are to remain strong and maintain our leadership position in the world economy. 

We need to lift our voice above the fray.  We need to unite. We need to be heard, above the voices of the mainstream media, the politicians, above the voices of divisiveness and hate, above the voices of fear and doubt. It is time to come together.  The future is now.  The future is no longer an individual choice and your choice alone.  We need to unite. Let’s make some noise.  Let’s take a stand.  What are you doing to preserve the American dream?  Email me: ideacapiltalists@gmail.com

 

 

Bill Gates Says The Cost Of Switching To Wind And Solar Would Be “Beyond Astronomical”

Bill Gates says renewables are rubbish.

Bill Gates says renewables are rubbish.

Finally! Someone with some serious creds behind him talks common sense solutions!

Retired software kingpin and richest man in the world Bill Gates says today’s renewable-energy technologies aren’t a viable solution for reducing CO2 levels, and governments should divert green subsidies into R&D aimed at better answers.

Here is Obama’s GREENTECH FAIL list WHICH HAS LAID WASTE ON TAXPAYER DOLLARS!!!

Real Science

Bill Gates points out that wide scale wind and solar energy are a farce, and that people who claim it isn’t have no idea what they are talking about.

Retired software kingpin and richest man in the world Bill Gates says today’s renewable-energy technologies aren’t a viable solution for reducing CO2 levels, and governments should divert green subsidies into R&D aimed at better answers.

Gates expressed his views in an interview given to the Financial Times yesterday, saying that the cost of using current renewables such as solar panels and windfarms to produce all or most power would be “beyond astronomical”. At present very little power comes from renewables: in the UK just 5.2 per cent, the majority of which is dubiously-green biofuel burning1 rather than renewable ‘leccy – and even so, energy bills have surged and will surge further as a result.

In Bill Gates’ view, the answer is for governments to divert the…

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Gay Rights, The Affordable Care Act and This Bald Eagle

11390065_1620299788225300_8909913669019005123_nThis latest meme (left) from Obama supporters is special… I say congrats to the classless Obama supporters.

Gay rights? It was happening state by state to its logical conclusion anyway. Meh… No need for the heavy hand of the SCOTUS. Personally. I’m going to miss the parades.

Those applauding our SCOTUS and the POTUS, obviously don’t run a small business or care about what’s really going down.

There are more families today in poverty than when Obama took office 7 years ago (5.5 Million more). This despite more jobs. Obviously more jobs means LOWER paying jobs.

The federal debt owed to the public has more than DOUBLED under Obama, rising by 103 percent. Nothing to gloat about.

You can high-five the employment numbers all you want, but the costs are high. I fear, for my children’s future, which is Greece. There are more people insured under Obamacare, but the cost is high. Most are subsidized or on Medicaid and the costs are unsustainable. Who gets hurt, small business and the middle class.

A case in point… we have 42 employees. We pay 100% of our employees health and dental benefits. Since the ACA was enacted, despite submitting to higher deductibles every year, our premiums have risen over 30%, 12 1/2 percent this year alone. Consider the competition is going from five major carriers to three, the future is not bright for small business healthcare cost. Just the facts.

I’d say this bald eagle is more a symbol of an endangered species, small business, rather than a symbol of America’s greatness. High fives all around to the Obama supporters!

Why I hit the Lottery…

Lottery-winner_parking_spots_at_the_Atlantic_Lottery_Corporation_(2009)I’ve hit the lottery (see below), but not for the reasons to which our President and his heir apparent, Hillary Clinton espouses. I’m a small business owner. I started a business 27 years ago and we’re still here. According to the president, it must be dumb luck!

The president thinks hard working people who make a lot of money have won the lottery. Obama says, “If we can’t ask for society’s lottery winners for that modest contribution, then really this conversation is all for show,” he told the Catholic-Evangelical Leadership Summit.

This latest on successful businesses, coupled with Obama’s well worn rhetoric, “If you’ve got a business, you didn’t build that. Somebody else made that happen.” referring to private businesses being dependent of big government is daunting to hard working small business owners, to say the least.

Why I hit the Lottery…

I want to get up in the morning.

I have a spouse and family whom I love and they love me.

Through hard work and healthy living we are well and we want for nothing.

I am a Christian, There is a God. I have my faith.

I’m living free, in the greatest country in the world, the United States of America.

I find great joy in giving generously, to charities and other great causes.

I’m proud of my accomplishments. Like most small business owners, I create and grow good paying jobs.

I believe in the human spirit and American exceptionalism. Despite many setbacks over time, there have been more wins.

I believe most people are inherently good.

Job creators, entrepreneurs, and business owners who are successful should not be demeaned by our President. He implicitly associates success with the cause for income inequality and racism.

In a Forbes article as a point of reference, it says small, entrepreneurial firms account for two-thirds of the job creation in the economy. Venture-backed firms contribute 11% of U.S. private sector jobs and 21% of GDP, and high-tech firms are a mainstay of U.S. exports.

As a taxpayer, I’d be much more receptive to Obama’s argument if there wasn’t so much wasteful spending, abuse of power, and inequity in big government. Pick your department. Start with the Department of Veterans Affairs.

Breakdown

The author hits on the fact the vocal minority on both sides of an important issue brands the silent majority as the villain. Great read!

Government Logic

Who's on First?

Who’s on First?

Email “Understanding unemployment” Author Unknown

COSTELLO: I  want to talk about the unemployment rate in America

ABBOTT: Good Subject.  Terrible Times. It’s 7.8%.

COSTELLO:  That many people are out of work?

ABBOTT: No,  that’s 14.7%.

COSTELLO: You just said 7.8%.

ABBOTT:  7.8% Unemployed.

COSTELLO:  Right 7.8% out of work.

ABBOTT: No, that’s 14.7%.

COSTELLO:  Okay, so it’s 14.7% unemployed.

ABBOTT: No, that’s 7.8%.

COSTELLO:  WAIT A MINUTE.  Is it 7.8% or 14.7%?

ABBOTT: 7.8%  are unemployed. 14.7% are out of work.

COSTELLO: If  you are out of work you are unemployed.

ABBOTT: No,  Congress said you can’t count the “Out of  Work” as the unemployed.  You have to look for work to be unemployed.

COSTELLO: BUT THEY ARE OUT OF WORK!!!

ABBOTT: No, you miss his point.

COSTELLO:   What point?

ABBOTT:  Someone who doesn’t look for work can’t be counted with those who look for work. It wouldn’t be fair.

COSTELLO: To whom?

ABBOTT: The unemployed.

COSTELLO: But ALL of them are out of work.

ABBOTT: No, the unemployed are actively looking for work. Those who are out of work gave up looking and if you give up, you are no longer in the ranks of the unemployed.

COSTELLO: So if you’re off the unemployment roles that would count as less unemployment?

ABBOTT:  Unemployment would go down. Absolutely!

COSTELLO: The unemployment  just goes down because you don’t look for work?

ABBOTT:   Absolutely it goes down. That’s how it gets to 7.8%. Otherwise it would be 14.7%.

COSTELLO:  Wait, I got a question for you. That means there are two ways to bring down the unemployment number?

ABBOTT: Two ways is correct.

COSTELLO:   Unemployment can go down if someone gets a job?

ABBOTT:   Correct.

COSTELLO: And unemployment can also go down if  you stop looking for a job?

ABBOTT:  Bingo.

COSTELLO: So there are two ways to bring unemployment down, and the easier of the two is to have people stop looking for  work.

ABBOTT: Now you’re thinking like an economist.

COSTELLO: I  don’t even know what the hell I just said!

ABBOTT: Now you’re thinking like a politician.

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

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