Is America still a country of second chances, or is it too late?
When will the back yard whisper in the wind across the country become a hurricane?
Is the following news article and video indicative of how most ultra-small business owners really feel (small business owner in Georgia sets company policy: "We are not hiring until Obama is gone")? Is this indicative of the unspoken grass roots response to the shouted chants of "hope and change"?
What do you think? Does your elected representative really hear what you have to quietly write or say, or just pretend to pay attention? Do most of your representative's staff come from the geographic region he/she represents or from the close proximity of the capitol (state, federal)? Do you think that seniority is a wise way to select committee leadership in government? What are you going to do?
JOBS WANTED -- JOBS AVAILABLE
What are the barriers to productive employment, not just time wasting jobs? Perhaps you might want to reflect on the perspectives of those in our economy who take the highest risk to bring value-added services and products to the market. Time is valuable, so the chart to the right sums it up a bit.
Want to know more, surf this site or go directly to the Kauffman Institute web site: www.Kauffman.org
Why Entrepreneurs Cannot Employ You
Seems to me I remember a young generation some few decades ago that used to say, "Do not trust anyone over 30!" as they did their thing. Now their college age offspring share some perspectives in the U-tube link to the right.
Can they even trust their own thinking -- maybe ALL OF US need to reflect on the little short four wordsaying on the buck they spend at the coffee bar (for those who no longer have a buck, and perhaps not even any more "change", the little saying is "In God We Trust"?
The bank lending chart below hit my desk September 15, 2011. It tells the story.
It shows the results attained of the wonders inside the Federal Bubble and the subserviant banking establishment.
Is it not any wonder that we in the ultra-small enterprise sector cannot create meaningful value-added work instead of continuing to have repeated stimulus to create non-productive "jobs", instigated by the vote-seekers as they plunder of the public's treasury and the future of our children? There is a bit of a difference between creating a job by squandering tax money and what is really needed: creating value-added local work in response to local demands and needs that have willing local buyers.
Again the question noted earlier on this web site:
HAS THE TIME COME FOR PRIVATE SECTOR CASH SOURCES WITHIN THE ULTRA-SMALL ENTERPRISE SECTOR TO FORM A PRIVATE BANKING RESOURCE WITHIN EACH OF THE 200 MAJOR METRO AREAS OF THE COUNTRY THAT SERVES ONLY QUALIFIED MEMBERS: THE SOLE STOCKHOLDERS OF ULTRA-SMALL ENTERPRISES AND THE LEADERSHIP OF LOCAL NON-PROFITS and their employees.
We have 3,000,000 potential total members of such an enterprise, plus about 30,000,000 employees. Why not operate as the First National Entrepreneur's (or Ultra-Small Business) Financial Pool (like a bank or credit union, but membership only).
Is there not a genius with the resources somewhere in the United States that is able to make this happen?
Time to start the First National Ultra-Small Business Credit Union/Bank?
CAN YOU GUESS WHO ATE OUR SEED CORN?
The headline reads, "Wall Street Aristocracy Got $1.2T in Loans" This is a must read by Bradley Keoun and Phil Kuntz - Aug 21, 2011 7:01 PM ET. Taste the results of their research by pondering just one paragraph from their article, then hit the link and read the whole article.
"Fed Chairman Ben S. Bernanke’s unprecedented effort to keep the economy from plunging into depression included lending banks and other companies as much as $1.2 trillion of public money, about the same amount U.S. homeowners currently owe on 6.5 million delinquent and foreclosed mortgages."
Has the time finally come for founding the First National Entrepreneurs' Bank using the concepts of a qualified membership only, private credit union? Lots of private cash sitting on the side-lines matched up with qualified ultra-small privately owned enterprises? Better rates of return than bank savings accounts? I am not a banker, but just asking the question. Who cares to answer?
P.S. See how many hits it is getting -- it might just be going viral!
This web site, www.USBA.us, exists to draw attention to the reality that those firms and employing entities that have fewer than 21 employees have a substantially different dynamic for development and growth, as well as job creation, than those that are still called "small", but are beyond this critical head count and personal leadership threshold.
Feel free to take the time to grasp the concepts, then become another independent voice to foster understanding of this issue at the Federal, state, and local levels of government and economic development (and read the Memorial Day 2011 message behind this home page too!).
WHAT IS THE U.S.B.A. DEFINITION OF A QUALIFIED ULTRA-SMALL BUSINESS?
In real simple terms, for the Ultra-Small Business Alliance in the United States, www.USBA.us, the definition for qualification is that:
o The founder/leader is still the sole owner and in full control of the entity. o The entity has less than 21 employees (see reasons why below). o The founding owner still works full-time leading the entity. o The services or products are legal, ethical, and good. o The entity is located inside the United States of America.
(Note that most ultra-small not-for-profits and non-profit entities, including most local churches, have many operational and cash flow issues in common with the ultra-small business sector. Those that have 501(c)(3) status are severely limited in the freedom of their voice when it comes to many issues on this web site. So think about your religious leaders and charitable organization Executive Directors as you reflect on these matters -- and the good, bad, and ugly impacts on them as they are kept silent by the risk of loss of their annual property tax exemptions, etc).
WOULD YOU LIKE A MORE COMPREHENSIVE ANSWER?
Simply click here or on menu, Ultra-Small Business? You might wish to grab a good cup of coffee or tea first!
Small business as seen from inside the Federal Bubble is not really very small. That is why the Ultra-Small Business Alliance was formed. If you wish to see the defninition of "small business" according to the Federal Government, click here or go to "What is Small Business?" on menu of this web site (in some cases, a company with up to 500 employees is called "small" by those inside the DC beltway, while most local economic development people would give their eye teeth for one that big to come into their county).
My first message, published by the Richmond Virginia Times Dispatch on February 15, 2009, predated the now famous rant by Rick Santelli on February 19, 2009. Ignored at the time, the truth in my message still persists.
It is now more than two years later. Why not help your family and the United States by contacting your local, state and Federal leaders and encourage them to consider the way enterprise develops. Ask them to free the ultra-small business community, both for profit and not for profit, from the time wasting and money draining burdens of taxation and regulation so that they can do what they do best: focus their energy and resources on enterprise development, which in turn creates jobs and capable consumers.
If the governments want to do something positive, why not also ask them to re-direct educational funds towards development of individual skills in personal and household management and growth of net worth? For example, how to identify and solve problems using the brain, starting with strong skills in verbal communications, reading, writing, math and sciences leading to critical thinking, innovation, integrity and pragmatic strategies for living life.
Finally, our country was built by individuals, many of them seeking a second chance. The massive data bases, for example, credit scores, being developed on each individual are eliminating that key dynamic associated with risk-taking to launch an enterprise. The responsive forces just might be the growth of a cash-based economy that is under the governmental radar. For example, how can approximately 10% of the population that cannot legally open a bank account or legally vote still manage to survive anyway? You know the answer. Ask yourself, is this a good thing for our country?
Do YOU want to do something about this situation, or just sit back and see what happens?
o Are you interested in becoming part of the grass-roots alliance of ultra-small business owners? o Has the potential voting bloc power of the ultra-small business sector and its employees been recognized yet?
> About 3,000,000 ultra-small companies employ about 20,000,000 people. > The United States has about 115,000,000 households. > Back-of-the-envelope math: an ultra-small business owner or employee lives in about 16% of the households in the United States.
Questions: o Are we just too busy working day, night and weekends to pause and reflect on what we, as a group, really mean to the country? o Are we really getting fair and equitable consideration for the role we play in the economy? o Is it time that maybe, just maybe, all of us strong-minded, independent thinking, believers in the free-enterprise system, need to find our voice? o Has the time come for the whispers in the wind to seek a voice that gets a respectful ear?
Read on .... and then decide for yourself ... (and put this site in your favorite places too; more to come when I have a few moments to add to this site)
"You cannot legislate the poor into freedom by legislating the wealthy out of freedom. What one person receives without working for, another person must work for without receiving. The government cannot give to anybody anything that the government does not first take from somebody else. When half of the people get the idea that they do not have to work because the other half is going to take care of them, and when the other half gets the idea that it does no good to work because somebody else is going to get what they work for, that, my dear friend, is about the end of any nation. You cannot multiply wealth by dividing it."
Dr. Adrian Rogers (in 1984; www.LWF.org) So, where do you think the United States is now in this process?
WANT TO HELP?
Interested in becoming part of the grass-roots alliance of ultra-small business owners? Then please complete the form below so your name can be added to our list (we do not sell or share our e-mail list with anyone). When, and if, we are ready to allow membership, we will invite you at that time.
Since this is just a voice and free service, not a 501(3)(c) non-profit, or operating entity, we cannot and will not accept any donations or sponsors.
In the meantime, if you want to help me with the Hip Pocket Fund (my thin wallet) to cover my time to write, expand and maintain this web site, just buy a copy of my book, "Mastering Your Marketing". It is an educational publication that just might help you achieve a higher level of success in your career and business. At first blush, it might seem expensive: $299.00 plus tax in Virginia. However, this is comparable to most self-paced learning texts, and a lot less than a seminar using the same material or a private college course on the subject (parts of the pragmatic, real world instead of academic, content of this 24 step Guidebook have now been used in a private college for two years as an alternative to about 40% of the content of a dominant marketing text from a top ranked publisher. The third class enrollment -- January 2011 --doubled! Also, a private University professor (MBA program) started using it as a supplemental business development planning text in January 2011. The Fall 2011 schedule has twice as many marketing classes based on student demand for the learning experience driven by the content of this book. SHOCK: A professor at a public UNIVERSITY, after looking at the contents, said he hoped his students do not learn about this Guidebook -- it makes learning about marketing-driven business planning too fast and easy! He added, those that do use it probably will ace the business planning course! The reality is working business owners do not have four years to sit in a classroom -- time is real money to them -- and this Guidebook saves them a lot of time, effort and money). Private consulting on the subject requires a $5,000 retainer deposit (call me regarding my availability and for more information).
The book has a 30 day money-back guarantee. See details regarding limited and controlled distribution of the book at www.RGIofVa.com (the guarantee does not apply to resales, illegal copies, or copies not purchased directly from Randall Group, Inc.) This reflects our confidence based on buyers during the past several years: once they get it, and realize the power of its contents, they do not want to part with it. "Mastering Your Marketing" will show you how to prepare your own custom marketing-driven business plan or leverage your present business.
Please go to www.RGIofVa.com for more details and to order by phone, mail or on-line, i.e. credit card purchase. Publications available only in English, and we do not supply copies outside of the United States. Any copies offered from outside the United States should be considered illegal copies, and we would appreciate notification of such offers if you get them.
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Founded January 18, 2009
ABOUT THE USBA.us
This is a service to enhance the outlook for the ultra-small business community in the United States: 3,000,000 independently owned firms seeking the pride and freedom of entrepreneurship by doing business with each other.
Ultra-small firms represent more than half of the for-profit enterprises in the USA, and their people are the roots that nourish and feed all larger firms, non-profits, churches, and local, state and federal governments in America!
A domain, www.MiniBiz.org, (site under development) has been acquired to provide a future global address and to be formed to operate with full disclosure, truthful, and high integrity "dot org" type of support of the USBA.us vision and message. MiniBiz (tm) is currently just a name, and is not yet funded or organized. Want to help? Please write me a letter (no email) if you are a visionary who can underwrite the seeding of this vision (see contact page for address). Thank you.
This web site is funded from my hip pocket by advisory fees and sales of educational business books and publications I have authored (i.e. by John C. Randall ) at RGIofVa.com. Buying these valuable publications is a fully-deductible business expense, not a charitable item. Publications from the Randall Group, Inc., have a 30 day money-back guarantee (see web site for details).
John may also be available as a speaker for your group, conference, convention, trade show, radio or TV broadcast, etc. Contact him at John@JohnCRandall.com for availability and rates.
All rights reserved, world-wide. Most recent update January 14, 2012.
Parting thought for the reader that got this far: One must ask, "Are the people in the banks completely powerless to make any independent business decisions, as reflected by so many bank Vice-Presidents (due to regulations and fear)?" Has the development of central banks eliminated the basis for the banking concept when it comes to ultra-small business and non-profit enterprises (for example your local churches)?
