What Do Career Politicians, Professors and Community Organizers Have In Common?

I35W-Bridge-Collapse

I 35W Bridge Collapse – Cars rest on the collapsed portion of the I-35W Mississippi River bridge after the Aug. 1, 2007 collapse in which 13 people were killed and 145 were injured. America’s infrastructure has consistently beem rated poorly. U.S. Coast Guard photo

When it comes to politics, they think voters are stupid, don’t have time to question their lies, or don’t care!

Why else would career politician, Hillary Clinton, Professor Elizabeth Warren repeat, and community organizer a.k.a., Entreprenever and chief, Barack 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.

We have a problem and it is a corrupt government and a complicit mainstream media.  Who has time to fact check all the lies we hear every day courtesy of the Obama administration and echoed by the media? Take as an example the huge waste in billions of stimulus dollars Obama spent as payback for getting him elected.

So how is it possible that big government can provide corporations and businesses with the vehicle to succeed? I decided to look on the popular website HowStuffWorks.com to see if they agreed with liberals. This is an excerpt: In 2009, Community Organizer and President Obama’s government spent a staggering $3.5 trillion dollars and raised $2.1 trillion in individual and corporate taxes — still leaving a budget deficit of more than a trillion dollars.

The Government doesn’t earn money!  “Government Funded”, “Government Subsidized”, “Government Money”, “Government Grant” … all mean “TAXPAYER FUNDED”, “TAXPAYER SUBSIDIZED”, “TAXPAYER MONEY”, or “TAXPAYER GRANT”. They’re all money from YOUR pocket.  Conclusion: The Government spends money!   Currently we are spending or speeding our way toward $18 trillion in debt.

In fact, 55% of all tax dollars come from small business that are spent 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 13 cents on every dollar.   Add toll roads to the equation and in many parts of the country the cost to taxpayers for infrastructure goes up.

you didn't build that

You didn’t build that. Somebody else made that happen.” video. Click on image to hear video.

elizabeth Warren

Elizabeth Warren’s “You didn’t build that.” video. Click on image to hear video.

hillary clinton

Hillary Clinton: Corporations and Businesses Don’t Create Jobs. Click on image to hear video.

“To say what he (Obama) said is to say that Steve Jobs didn’t build Apple Computer or that Bill Gates didn’t build Microsoft or that Henry Ford didn’t build Ford Motor Company or that Ray Kroc didn’t build McDonald’s or that Papa John’s didn’t build Papa John’s Pizza. This is the height of foolishness. It shows how out of touch he is with the character of America. It’s one more reason his policies have failed. It’s one more reason why we have to replace him in November.”  Mitt Romney.

Even the Washington Post gave the “You didn’t build that…” liberal nonsense credence, giving him 3 Pinocchio’s.

Here’s what Charles Krauthammer had to say, “The argument between left and right is about what you do beyond infrastructure. It’s about transfer payments and redistributionist taxation, about geometrically expanding entitlements, about tax breaks and subsidies to induce actions pleasing to central planners. It’s about free contraceptives for privileged students and welfare without work — the latest Obama entitlement-by-decree that would fatally undermine the great bipartisan welfare reform of 1996. It’s about endless government handouts that, ironically, are crowding out necessary spending on, yes, infrastructure.”

Professor Elizabeth Warren has never worked in the private sector.  She is my favorite definition of a politician, unemployed and unemployable.  What she fails to say is businesses pay the lion share of the taxes so everyone in this country can enjoy our roads and bridges, including Elizabeth Warren with her progressive anti-business rhetoric.

Enter career politician Hillary Clinton.  There is and there will be hundreds of thousands, if not millions of interviews, videos, news articles, and blogs, written about Clinton, but most assuredly the one she is going to have to walk back more often than most, is this video above about federally mandated minimum wage jobs, and about businesses and technology not being the engine of the US economy and jobs.

After all, The Race Against The Machines has already been lost.  There will be no minimum wage jobs in the future.  People who know how to use a caulk gun will be highly paid by those who do can’t pound a nail.

My prediction is that Hillary Clinton will be pounded back into the stone age by 2016. There will be a 3rd generation POTUS in 2016, like US Senator Marco Rubio, who knows how to use a smartphone. More on this when somebody is ready to listen.

You Didn't build taht

Schnitt Show “we built this business” You Didn’t Build That Business Obama Parody – Click on Image

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.

Healthcare.gov is 500M lines of Code!? Geeks Weigh In.

ACA LINES OF CODE

Lines of Code

The claim is the Healthcare.gov website is 500M lines of code!  At a cost of $600M plus, that’s around 80 cents per line of code.  Rule of thumb for quality code,  the cost for code is in the $20 – $50 per line, the high cost of $50 per line is for the more robust and professional architected applications, where you can get as low as $10 for the hack stuff.

Anecdotal evidence, crudely adjusted for reality, suggests that if you figure your code costs $5 a line you’re lying—or the code is junk.

At $100/line you’re writing software documented almost to DOD standards (HHS and CMS apparently missed that memo).   Most embedded projects wind up somewhere in-between, in the $20-40/line range.

From a Slate article, Getting disciplined about embedded software development,  “If the site really contains 500 million lines of code, they say, that’s a strong hint that the programmers involved are doing something wrong. (Microsoft’s Windows Vista operating system, by the way, contained some 50 million lines of code, and was criticized for being slow and bloated at that.)  And if they’re using the number of lines of code as a metric for progress and project scope, that may be indicative of serious dysfunction in the process.”

From my perspective, running a software development company, the problems HHS and CMS have with their website after 3 plus years is unconscionable.  It smacks of crony capitalism.  First let me say, we do not develop websites.

We develop web applications.  Sophisticated applications for the banking and financial services industry.  One of our customers, does millions of transactions each year.  We capture, image, eSign and store all their  documents in over thousands of locations nationwide.  Imagine if we were down for 5 minutes.  Imagine if there was a security breach to our software or archive.  We would be out of business.

Let me be clear, I’m just speculating, but the Healthcare.gov website code that they say has to be partially rewritten is probably largely undocumented, poorly written (possibly using contractors from 3rd world countries), without  the proper testing and quality assurance every step of the day.

During a recent crunch time, we used 3 programmers from India on one miniscule project which took them 6 months.  We had to manage them very closely, and their work was still subpar.  We will never do it again.   It’s going to be a nightmare to patch and fix Healthcare.gov.  It should probably be completely rewritten.

Until hundreds of thousands of people have been successfully enrolled, applications processed, insurance plan in effect…with no horror stories regarding security breaches, I personally would not go on their website or even give a phone operator or navigator my personal information, especially a SSN or debit card.  Just my two-cents.

Anytown Small Business Sequestration – A Letter from the CEO

EVAN VUCCI / AP President Barack Obama during the fiscal cliff negotiations in the briefing room of the White House on Friday, Dec. 28, 2012, in Washington.

EVAN VUCCI / AP  – President Barack Obama during the fiscal cliff negotiations in the briefing room of the White House on Friday, Dec. 28, 2012, in Washington.

ANNOUNCEMENT: Due to our inability to produce a product in the past 4 years and the conjoined, unbridled spending we have undertaken, it pains us to adopt the Government’s style Sequestration, a.k.a. mandatory spending cuts, here at Anytown Small Business, Inc. 

Following the President’s example, I am voluntarily taking a 5% salary cut.  If I was making as much as our President, that would be enough to replace the windows in Building 100, thereby erasing the threat of Mud daubers terrorizing our finest.

Let me explain.  The promise of lower healthcare costs didn’t happen.

The promise of cleaner, renewable, and cheaper energy costs and fewer regulations, where everything that was beautiful, has now brought us down, didn’t happen.

Our hiring practices, spurred on by the promise of a Government backed Stimulus plan to create jobs and economic growth, didn’t happen.

We have had to hire armies of attorneys and consultants to remain in compliance of the new regulations and laws.

Each year over the past four years our healthcare costs have risen 25% or more.  As the Supreme Court has ruled, we all know now, even though the Main Stream Media (MSM) chooses to ignore, Obamacare is a tax!  Now on top of the cost of healthcare we have an additional tax burden.  Any new tax increases the cost of doing business.

So now we have to  reduce employment to less than 50 workers.  We are playing spin the bottle every day, after work of course.  The winner gets to kiss his or her job good-bye but gets to keep the bottle.

We’ve hired the people the Government wanted us to hire.  If you were down on your luck, if you had been laid off or fired somewhere else, if you had remained unemployed past the limit of your unemployment benefits, and you have been kicked to the curb by the government, you were on our radar.  Why not?  There were thousands of reasons to hire you.  Government incentives.  Government dollars.

Those of you who turned our job offers down and preferred to live on government entitlements, it seems like you’re working harder not to work.  Too often we have seen your job inquiries were bogus.  Too bad there were no frequent flyer points from Craig’s List for answering either your own phony ads or ads for which you need not apply, because you were not remotely qualified.

At Anytown, you would have come to the front of the line.  The less qualified the better.  Our local, county, state and federal government want you to work for us and they want to provide Anytown, thousands of dollars in incentives to hire you.

Of course, we all know, there are the many companies who take the government’s money and not only never meet quotas, meaning jobs, but basically fail, pick a Chapter 7 or 11.

Many who were hired spent their valuable time to build a truly homogeneous product.  We made every effort to provide our product in many different languages, including all of the Asian dialects, but then we realized all of our major competitors learned to publish their products in English and are our best customers, too.  As part of the Sequestration, we had to let every translator go.

This has been a tremendous benefit to our company’s bottom line, the cost cutting terminations and the fact is there that are still employees working for us that do not comprehend, read or write in English. The last thing we need is a lawsuit from the government.

Those of us who are capable of doing our  job, spend countless hours covering for our fellow employees, and the company appreciates it!   Unfortunately, we are also announcing 10%, across the board, salary cuts for all personnel, will affect each and every one of you… the same.   I thank you for your sacrifice.

Finally, we poured unconscionable sums of borrowed money into unproven technology and insolvent companies.  Our investments, while popular with the majority of our customer base, they did little to contribute to our future growth in revenues or in our company’s best interest.  

After nearly going out of business it finally dawned on us.  The top 20% of our customers were contributing 70% of our revenues.   Our General Accounting Office (GAO) said it’s time we start paying attention to our paying customers.  

Let’s hope they love golf!

Now over 20,000 Reasons to Repeal Obamacare

Reality GapMore broken promises from the Obama Administration.  Surprised?!

Now over 20,000  17,000 pages of regulations, forget the 2,000 plus pages that comprise the law that’s equivalent to the Lord of the Rings Trilogy!  Like fiction HHS just makes stuff up as they go along.

17,000 pages of regulations, Sebelius and the Dept. of Health and Human Services (HHS), making up the rules and regs. as they go along, the tsunami has only just begun…

Here’s a sample, a lawyers dream. ““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.”

Be afraid!  Wake UP! people!!!

A House Committee on Small Business Republicans quote, “Sec. Sebelius claimed this morning that the health care law (Obamacare) has been “good news” and President Obama claimed that his health care law would decrease premiums by $2,500 in his first term. However, this tells a different story for small business.”

Excerpt from SHOP the Small Business Exchange Option

“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.”

From the 644 page document, Final Rule State Healthcare Exchanges, and how the final rules address small business, capitalism and the entrepreneurial spirit may die.

Keep in mind this is one paragraph of a 664 page document to mandate a final rule on SHOP!

Be afraid!  Be very afraid!!!

 

Why Is the Cost of Healthcare a Republican Problem?

Healthcare costs in the USDemocrats say they are getting screwed by Republicans, and the Healthcare Industry.

We all have to bend over and cough, when it comes to healthcare costs, not just Democrats.

The Democrats passed the Affordable Care Act (ACA).

We have a Democratic majority in the Senate and a Democrat in the White House.

My company’s healthcare costs are going up 26% in 2013.  The problem is there is not enough competition. I can only shop 3-4 insurance companies in FL for healthcare for my employees.  The government discourages competition…

Medicaid requires the certificate of need be filed when opening a new facility.  The Certificate of Need (CON) process requires a new entrant to the market to establish that its services and capacity are “needed,” and gives existing hospitals a chance to argue why the entrant should be barred.

The CON program is supposed to limit over capacity and duplication of services.  Isn’t this ironic considering that ACA .for every American healthcare and one of the overriding concerns is lack of access to quality healthcare?  This program has been eliminated in 18 states, but remains law in the State of Florida.

too informed

Like them on Facebook if you think everything that needs fixing in Washington is the Republicans fault.

Another problem is we don’t ask what things cost or ask for discounts.  ACA a.k.a. Obamacare rules ineligible high deductible plans supplemented by health savings accounts. The health savings account portion will not be counted as part of the policy package, and it will be ruled as falling below the minimum standard policy that Obama Care requires.

I have an HSA.  I ask for discounts. It works.

And, as usual the Democrats, who won the last two elections to the White House and have held a majority in the Senate, blame everyone else, especially the Republicans.

Democrats don’t have any ideas, they just want the government to fix it.

2012 – You’re Dead To Me… Part Three – You Didn’t Build That!

The Real One Percenters - Small Business People

The Real One Percenters – Small Business People

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

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.”

EntrepreNever

If it takes you 25 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?

Entreprenever Barack_Obama

The Endangered Species, Entrepreneurs, a.k.a. Small Business Owners

President Obama is disingenuous when he says he is championing small business and the middle class.  Most small business owners are Sole Proprietors, Limited Liability Corps (LLCs) or Sub S Corps.  I own a Sub S Corp.  President Obama knows the challenges I face.  He is counting on you, the voter, to lump small business owners like me into his campaign to denigrate the high income earners in this country.Hug

The Regulatory Tidal Wave – Vote Early and Vote Smart

The current path for our country includes tax increases and a tidal wave of more than 4,100 new federal regulations with a calculated cost of a half-billion dollars. This is a reality looming in Washington that has not been pushed to the forefront of discussion as “pending” under the current administration. It is impractical to think that businesses large or small can continue to hire employees without some semblance of predictability on taxes and regulations.Capture

Small Businesses – Over Regulated? Thousands of Community Banks a.k.a Small Businesses May Disappear!

Many community banks and credit unions are small businesses too and are subject to the same laws and regulations facing big banks.  The Feds have closed down 10 of our FI customers, costing them their jobs and costing us hundreds of thousands of dollars in lost revenues.  Speaking to many of our contacts at these FIs, most closing could have been avoided.

According to several of these sources, the Feds come in at the end of business day, Friday and take over the bank.  One source, described it similar to be treated as a criminal as she was forced to stand outside her cubicle while they accessed her PC.  She was kept there until after midnight.

Recently, an expert on financial services stated “there will be no de novo (startups) financial institutions due to the steep financial requirement and regulations.”

regulations.gov

As the number of community banks and credit unions shrink we are forced to seek new markets.  An added burden to  already burdensome economic conditions.  While the Obama administration panders  to big business, big union and advocates big government, small businesses continue to bear the brunt of over regulation.

This is the official government “fair warning” website regulations.gov.  Be afraid!  Be very afraid!

 

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