A toy truck, a stroller, 

and pub coasters

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www.TheWriterWorks.com

302.933.0116 or Hal@BusinessWorks.US

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

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

Make today a GREAT day for someone!

Yes, but are you happy?

     Survey findings based on 2009 data collected from 1.3 million Americans (by the Centers for Disease Control and Prevention) report — state-by-state, plus D.C. — identify where the happiest people live.

BEST/HAPPIEST STATES 

#1 – #6: Louisiana, Hawaii, Florida, Tennessee, Arizona, South Carolina.

WORST/UNHAPPIEST STATES 

#46 – #51: California, New Jersey, Indiana, Michigan, Connecticut, New York. 

     If you can’t stand waiting ’til the end of this post to find out where your state stands, I’ll give you the whole scoop right here, right now, but you have to promise to return after you find out whether you’re supposed to be happy or not, so you can get some free happiness guidance! Here. Do it!  . . . and when you’re done, ‘Mon Back!

     Welcome back! So are you happy now? Or did that little side trip just make things worse for you? Well, the survey findings are probably a useful thing for helping to target your sales message geographically.

    I mean you could probably send some angry messages into Louisiana, Florida and Hawaii, for example, and get back a lot of knowing smiles with piles of sales dollars. But you may not want to be so cavalier when you’re aiming at those sad souls in New York, Connecticut and Michigan.

     Hey, truth is that no matter who says what you’re supposed to be experiencing, happiness — like any other behavior — is a choice! Consciously or unconsciously, each of us choose our behaviors every minute of every day! And, like success, happiness is the journey, not the destination.

     Of course some states with more sunshine might do a better job of hosting the journey, or setting the table for our choices, but nothing and no one outside your mind creates or causes happiness or unhappiness. And where you live has very little to do with it. 

     Surely you know there’s truth to the old expression that “Misery Loves Company.” But, btw, so does “Happiness” and you need only look at faces around you at one of your upcoming parties to underscore that reality.

     The only gift greater than happiness is sharing happiness. Try it. You’ll like it.

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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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HOORAY for the good guys!

     It’s not every day that a consultant like me can nominate a client (like i.g. Burton & Company) for an annual Better Business Bureau award as most outstanding family business in the state…and see them win!

     Even after my project engagement with the company ended, I had the good fortune to see this business be honored (tonight at the DuPont Hotel in downtown Wilmington, Delaware) at a formal reception dinner hosted by the Delaware BBB and Governor Jack Markell.

     Now if you’ve read this far, you may be wondering who is i.g. Burton & Company anyway? And there’s little doubt that if you don’t know, you will most definitely be surprised to learn that we’re talking about –of all things– a car dealership!

     i.g.Burton & Company is 101 years old. The company maintains five locations in Milford and Seaford, Delaware. They are one of the nation’s leading dealerships for Chevrolet, Chrysler, Dodge, Jeep,  Mercedes-Benz, BMW, and are the world’s oldest Blue-Bird Bus dealership as well.

     They didn’t stand in line behind the automakers they represent, looking for bailout money. They didn’t pull in their rugs and move out of town when Chevrolet and Chrysler hit the rocks.

     In fact, they actually INCREASED their charitable contributions to needy organizations. They INCREASED their customer service training programs. And they went ahead and completed a 6 year-old monster construction project that helped keep hundreds of employees on payroll.

     Of course they have strong financial backing. But why? How did their backing become so commited? BECAUSE i.g. Burton demonstrated commitment to their customers, their employees and their community.

     They didn’t get to be 101 and win an Outstanding Family Business award in a faltering economy by being the stereotypical car dealers. They are fifth generation owned and operated. A great many of their employees have worked there for 15, 20, 25, 30, and more years! (This, in a day when most car dealers seem to keep employees just for those numbers of DAYS!)

     What’s the secret? i.g. Burton & Company has built a long-standing reputation for overkill customer service and for contributing to and supporting wholeheartedly the Delmarva Peninsula communities they serve. The have earned the BBB award, and statewide respect as business leaders.

     They will earn your respect too anytime you’re driving through Delmarva Peninsula (The 2nd biggest peninsula in the U.S., thank you, if you’re not counting Florida). Stop in. Say Hi. Congratulate them on their award. They’ll make you feel proud of it just for having visited. Well done, Burton Family. And well done, Burton Family of Employees!  

Good Night and God Bless You!  halalpiar     

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Who Woulda Thunk It?

I’ve been running across so many situations lately I could only categorize as unlikely business bets that I’m wondering about this economy spawning an epidemic of them, and whether I might indeed indulge the sensibilities of visitors to this blog with periodic excursions into business unliklihood. What say you?

     First, though seemingly unlikely on the surface, is the speculative category of business that I’ll simply label as a “SHORE BET” because it goes like this: You can be sure (shore?) that all the weeping and gnashing of business owner, manager and entrepreneur teeth (alotta gnashing, right!) is taking place inland. Inland? What’s that supposed to mean?

     Businesses located on coastlines— oceans, bays, lakes, rivers –are more insulated from economic downturns I am told repeatedly by coastal business owners. What? Are you sober? You have research? No. I have instincts and experience. I have ears that listen to business owners and operators who have weathered some tough financial storms.

     An increasing number of (perhaps wishful, but) confident-sounding people are of the conviction that businesses that depend on waterfront industries and (especially) tourism, are actually gathering strength in anticipation of the further collapse of inland business cousins.

     They say that when people have fewer dollars to part with for vacations, they don’t cancel vacations, they travel closer to home, and they look for self-sufficient environments where thay can pay all-inclusive fees that include meals and other amenities. They look for areas that provide inexpensive assorted entertainment and amusement choices and full range food and beverage options.

     Naturally, I think about where I live in coastal Delaware, and the magnificent seashore here that is beginning to host more and more vacationers (and year-long weekenders) from NY, NJ, PA, VA, MD, and NC than ever before. It’s almost like our coastline has been quietly waiting to be discovered by nearby state travelers who are finding vacation rewards so abundant that they wonder why they ever headed for all those crowded Florida destinations to start with.

NEXT, is baseball mud!

     As long as we have baseball, we’ll have baseball mud…highly specialized “Lena Blackburne Baseball Rubbing Mud” that has been helping professional baseball pitchers get a better grip on the ball…that comes from a special secret location in a hidden New Jersey swamp!

     Now, talk about an unlikely business bet! Imagine Mr. Blackburne coming to you for startup capital in 1938.

     “Well, I got me this magic mud that professional baseball leagues will be buying from me for over 70 years. They’re going to age it for a month and a half. We’re going to sell them three-pound vats, two for each team in the majors, and that’ll hold them a full season…”

     “Yeah, right, mud, uhuh, sure, okay, well I’m not sure that’s such a good investment, Mr. B…”

     The amazing part is it’s true! And the company is highly successful. [Who woulda thunk it?]

Good Night and God Bless You!  halalpiar     

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Hey, Home Depot!

Hey, Lowes!

Hey ACE Hardware!

Contractors, Repairmen, Countrymen, Lend Me Your Ear!  Pack your tools up safe before you drink beer.  Or if today, on the Milky Way, a grease gun floats by . . . SIGH.

You’ve no doubt heard the news by now that one of our space-orbiting Astronauts lost a bagful of tools in the middle of doing a spacewalk repair.  Priceless.  Well, not quite. 

Actually the tool bag contents are estimated at roughly $100,000 worth of stuff, including a high-tech grease gun.  Hmmmm, whatever will space aliens think when they find out that Earthlings have been at war, shooting grease at one another?

There’s an old movie (name escapes me, but please let me know if this rings a bell): It opens in some desolete, remote jungle clearing occupied by a native tribe (Aborigines?) that has never before been exposed to civilization outside its own primative fire and spear devices of living, when suddenly from a rare passing airplane, a Coke bottle falls from the sky into the sand and ends up wreking havoc on the puzzled tribe members who I seem to recall think it came from God, dropped on them with some deep meaning from heaven.

Okay, now fast forward to the week before Thanksgiving, 2008, and a $25,000 (or $50,000?) greasegun crash lands in your front yard snow bank (if you’re in Maine, Alaska, Minnesota, Buffalo, or Canada, or the Swiss Alps or . . .) or your Southern California, Florida or Caribbean swimming pool, or W H E R E ? 

W H E R E ?

Tell me where it lands? 

What’s the situation? 

Has someone just screamed into the sky for help with the annoying garage door squeak? 

Is it in the middle of a major football game? 

How about you, all you Home Depot and Lowes employees?  Where are your voices, Sears Craftsman, and Black & Decker retailers? 

What would YOU do with a $100,000

bagful of high-tech space shuttle tools? 

Send me some ideas Hal@TheWriterWorks.com (“Space Tools” in the subject line.  I’ll publish your response, even your (decent) photo right here for all to see. 

Be creative or not.  Hard-nosed capitalists are also invited.  I’m waiting!  halalpiar        

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