If you are Entrepreneuring

still –in 2011– you got guts!

Look at it this way, those of us who directly or indirectly choose to pursue paths of small business development –in the face of today’s upsets, intimidations, threats, and tsunami-like attempts to control every breath we take— probably deserve a medal!

The thing is there are 30 million of us and that’s an awful lot of medals. Besides, we didn’t choose entrepreneuring for fame and recognition. We don’t much care about being honored. We care about our ideas working.

We care about building our businesses to the point of creating jobs and reputations for customer service (the real kind, not some put-you-on-hold unintelligible “customer service department“).

Who does care about getting a medal? Why the very same types of self-serving, reckless spending, low life that work hard at creating all those roadblocks we and our small businesses are forced to contend with:

• From our arrogant, get-the-votes-at-any-cost-campaign-obsessed, leaderless White House with zero business know-how and the global mindset of a two-year-old

• And corporate giants (the antithesis of innovation, wallowing in incompetence and self-pity) with their deep pockets and greedy unions standing forever at the ready  

• To artificial-do-gooder-preoccupied-with-“green” academia-land, which pollutes the world of small business with theory and complexity over reality and common sense

Loose accusations? No, deeply-documented fact-based assessments.

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Small (and in-home) businesses, professional practices, small business owners, operators, and managers all. We are in the fights of our lives to overcome all the disproportionate tax burdens, all the government over-regulation and controls being shoved down our throats as we try to create jobs and make our ideas successfull!

Unions and academia? Not even a step up from Hollywood and mass media sensationalists: they just get in the way. Let them pester government and the Fortune 500 companies, or –perhaps even better– each other!

UNEMPLOYMENT is the worst it has been in the United States since the 1930s. Terrorism threats are at an all-time high. Natural weather disasters are running roughshod across America, destroying homes and businesses, killing and uprooting families. And America’s allies are being insulted instead of thanked.

GAS PRICES are still through the roof, and igniting skyrocketing costs for shipping, transportation, and now food–costs unmercifully and unavoidably being passed along to consumers who are made more dependent on government controls every passing day. And America’s enemies are being cajoled instead of chased.

ILLEGAL IMMIGRANTS are pouring across our borders every night with drugs and weapons . . . and welcomed (!) in our schools, hospitals, and welfare rolls? America is on the brink of bankruptcy compounded by dollar devaluation, loss of global respect, and the compromising of our Constitution.

MR.. OBAMA is in Ireland toasting a pint of ale.The last catastrophe just weeks ago found him absorbed in worries about the Final Four basketball competition. And how long ago did he disrupt his golf trip to “dispatch” advisors to “review” the disastrous Gulf oil spill 30 DAYS AFTER IT HAPPENED?

THIS is leadership? Could your business survive this behavior from it’s leader? Like I said, if you’ve made it this far, you got guts! America needs you.

Keep it up!  Oh, and while you’re at it:

Mark your election day calendar

now for November 6, 2012.

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Hal@Businessworks.US or 302.933.0116

“The price of freedom is eternal vigilance!” [Thomas Jefferson] 

Thanks for visiting. Go for your goals. God Bless You.

Make today a GREAT day for someone!

Healthcare Dictatorship?

In this week’s Wall Street Journal,  former NY State Lt. Governor Betsy McCaughey brought to light some of the small business-impact details buried in House Speaker Nancy Pelosi’s 1,990-page health bill (H.R.3962) that you need to know about:

The government will require

EVERYone to:

     • Enroll in a “QUALIFIED PLAN.”  Sec. 202 (p. 91-92) of the bill requires that if you get your insurance at work, employers will have a “grace period” to switch you to a “QUALIFIED PLAN,” meaning a plan designed by the Secretary of Health and Human Services. If you buy your own insurance, there’s no grace period. You’ll have to enroll in a qualified plan as soon as any term in your contract changes, such as the co-pay, deductible or benefit.

     • Be legally required to pay  whatever the Secretary of Health and Human Services decides what a “QUALIFIED PLAN” covers and what your fees will be. Sec. 224 (p. 118) provides that you will be told an amount 18 months after the bill becomes law. That,” says Ms. McCaughey, is like a banker telling you to sign the loan agreement now, then filling in the interest rate and repayment terms 18 months later.

On 11/2/09, the Congressional Budget Office estimated an individual earning $44,000 before taxes who purchases his own insurance will have to pay a $5,300 premium and $2,000 in out-of-pocket expenses: total $7,300 a year, which is 17% of his pre-tax income. A family earning $102,100 a year before taxes will have to pay a $15,000 premium plus $5,300 out-of-pocket: $20,300 total, or 20% of its pre-tax income. Individuals and families earning less will be eligible for subsidies paid direct to  insurers.

     • Adhere to a “one-size-fits-all” QUALIFIED PLAN  even though it doesn’t exist. See Sec. 303 (pp. 167-168) The bill claims to offer choice—basic, enhanced and premium levels—but benefits are the same. Only co-pays and deductibles differ. You will have to enroll in the same plan, whether the government is paying for it or you or your employer are.

     • Include proof in your taxes that you are in a QUALIFIED PLAN.  Sec. 59b (pp. 297-299) If you don’t, you will be fined thousands of dollars. Illegal immigrants are exempt.

Sec. 412 (p. 272) says that employers must provide a “QUALIFIED PLAN” for their employees and pay 72.5% of the cost, and a smaller share of family coverage, or incur an 8% payroll tax. Smaller payroll businesses are fined less.

     The bill Sec. 1302 (pp. 672-692) cuts future Medicare funding by $500 Billion, takes away patient rights to choose which doctor to see, permits the government to dictate treatment decisions, and specifies patients may have to accept a nurse practitioner instead of a physician.

     • Secs. 1158-1160 (pp. 499-520) reduces payments for care and the standard of care for hospital patients in higher cost areas such as New York and Florida.

     • Sec. 1161 (pp. 520-545) cuts payments to Medicare Advantage plans (used by 20% of seniors) expected to cut back benefits such as vision and dental care.

While the bill will slash Medicare funding, it will also direct Billions of dollars to numerous inner-city social work and diversity programs with vague standards of accountability.

     • Sec. 399V (p. 1422) provides for grants to community “entities” with no required qualifications except having “documented community activity and experience with community healthcare workers” to “educate, guide, and provide experiential learning opportunities” aimed at drug abuse, poor nutrition, smoking and obesity.    

     • Sec. 222 (p. 617) provides reimbursement for training healthcare workers to inform Medicare beneficiaries of their right to an interpreter.

     • Secs. 2521 and 2533 (pp. 1379 and 1437) establishes racial and ethnic preferences in awarding grants for training nurses and creating secondary-school health science programs.     

 And all of this is just the tip of the iceberg! For the text of the bill with page numbers, see www.defendyourhealthcare.us     

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