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	<title>The Jholdas Group</title>
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	<link>http://www.jholdas.com</link>
	<description>The Confidence to Grow Your Business</description>
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		<title>Who Is Really Responsible for This Mess?</title>
		<link>http://www.jholdas.com/who-is-really-responsible-for-this-mess/</link>
		<comments>http://www.jholdas.com/who-is-really-responsible-for-this-mess/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 21:01:48 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<description><![CDATA[Charley&#160; Reese has been a journalist for 49 years.    545&#160; PEOPLE&#8211;By Charlie Reese    Politicians are the only people in the world&#160; who create problems and then campaign against them..    Have you ever wondered, if both the Democrats and the Republicans are against deficits, WHY do we [...]]]></description>
			<content:encoded><![CDATA[<p>Charley&#160; Reese has been a journalist for 49 years.    <br /><b><i>545&#160; PEOPLE</i></b>&#8211;By Charlie Reese    <br />Politicians are the only people in the world&#160; who create problems and then campaign against them..    <br />Have you ever wondered, if both the Democrats and the Republicans are against deficits, WHY do we have deficits?    <br />Have you ever wondered, if all the politicians are against inflation and high taxes, WHY do we have inflation and high taxes?    <br />You and I don&#8217;t propose a federal budget. The president does.    <br />You and I don&#8217;t have the Constitutional authority to vote on appropriations. The House of Representatives does.    <br />You and I don&#8217;t write the tax code, Congress does.    <br />You and I don&#8217;t set fiscal policy, Congress does.    <br />You and I don&#8217;t control monetary policy, the Federal Reserve Bank does.    <br />One hundred senators, 435 congressmen, one president, and nine Supreme Court justices equates to 545 human beings out of the 300 million are directly, legally, morally,&#160; and individually responsible for the domestic problems that plague this country.    <br />I excluded the members of the Federal Reserve Board because that problem was created by the Congress.&#160; In 1913, Congress delegated its Constitutional duty to provide a sound currency to a federally chartered, but private, central bank.    <br />I excluded all the special interests and lobbyists for a sound reason. They have no legal authority. They have no ability to coerce a senator, a congressman, or a president to do one cotton-picking thing. I don&#8217;t care if they offer a politician $1 million dollars in cash. The politician has the power to accept or reject it. No matter what the lobbyist promises, it is the legislator&#8217;s responsibility to determine how he votes.    <br />Those 545 human beings spend much of their energy convincing you that what they did is not their fault. They cooperate in this common con regardless of party.    <br />What separates a politician from a normal human being is an excessive amount of gall. No normal human being would have the gall of a Speaker, who stood up and criticized the President for creating&#160; deficits&#8230;..&#160; The president can only propose a budget.&#160; He cannot force the Congress to accept it.    <br />The Constitution, which is the supreme law of the land, gives sole responsibility to the House of Representatives for originating and approving appropriations and taxes.&#160; Who is the speaker of the House?&#160;&#160;&#160; Nancy Pelosi. She is the leader of the majority party. She and fellow House members, not the president, can approve any budget they want.&#160; If the president vetoes it, they can pass it over his veto if they agree&#160; to.    <br />It seems inconceivable to me that a nation of 300 million can not replace 545 people who stand convicted &#8212; by present facts &#8212; of incompetence and irresponsibility.&#160; I can&#8217;t think of a single domestic problem that is not traceable directly to those 545 people. When you fully grasp the plain truth that 545 people exercise the power of the federal&#160; government, then it must follow that what exists is what they want to&#160; exist.    <br />If the tax code is unfair, it&#8217;s because they want it unfair.    <br />If the budget is in the red, it&#8217;s because they want it in the red ..    <br />If the Army &amp; Marines are in&#160; IRAQ , it&#8217;s because they want them in&#160; IRAQ&#160;&#160; <br />If they do not receive social security but are on an elite retirement plan not available to the people, it&#8217;s because they want it that way.    <br />There are no insoluble government problems.    <br />Do not let these 545 people shift the blame to bureaucrats, whom they hire and whose jobs they can abolish; to lobbyists, whose gifts and advice they can reject; to regulators, to whom they give the power to regulate and from whom they can take this power.&#160; Above all, do not let them con you into the belief that there exists disembodied mystical forces like &quot;the&#160; economy,&quot; &quot;inflation,&quot; or &quot;politics&quot; that prevent them from doing what they take an oath to do.    <br />Those 545 people, and they alone, are responsible.    <br />They, and they alone, have the power..    <br />They, and they alone, should be held accountable by the people who are their bosses.    <br />Provided the voters have the gumption to manage their own employees&#8230;<b>     <br />We should vote all of them out of office and clean up their mess!</b></p>
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		<title>Taxed to Death&#8230;And Beyond. Why?</title>
		<link>http://www.jholdas.com/taxed-to-deathand-beyond-why/</link>
		<comments>http://www.jholdas.com/taxed-to-deathand-beyond-why/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 21:00:36 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<description><![CDATA[This from Charlie Reese (formerly of the Orlando Sentinel)   
Tax his land, tax his bed,     Tax the table, at which he&#8217;s fed.    Tax his tractor, tax his mule,     Teach him taxes are the rule.    Tax his work, tax his [...]]]></description>
			<content:encoded><![CDATA[<p>This from Charlie Reese (formerly of the Orlando Sentinel)   </p>
<p>Tax his land, tax his bed,     <br />Tax the table, at which he&#8217;s fed.    <br />Tax his tractor, tax his mule,     <br />Teach him taxes are the rule.    <br />Tax his work, tax his pay,    <br />He works for peanuts anyway!    <br />Tax his cow, tax his goat,    <br />Tax his pants, tax his coat.    <br />Tax his ties, tax his shirt,    <br />Tax his work, tax his dirt.    <br />Tax his tobacco, tax his drink,    <br />Tax him if he tries to think..    <br />Tax his cigars, tax his beers,    <br />If he cries tax his tears.    <br />Tax his car, tax his gas,    <br />Find other ways to tax his ass.    <br />Tax all he has&#160; then let him know    <br />That you won&#8217;t be done till he has no dough.    <br />When he screams and hollers;    <br />Then tax him some more,    <br />Tax him till he&#8217;s good and sore.    <br />Then tax his coffin, tax his grave,    <br />Tax the sod in which he&#8217;s laid&#8230;    <br />Put these words upon his tomb,    <br />Taxes drove me to my doom&#8230;&#8217;    <br />When he&#8217;s gone, do not relax,    <br />Its time to apply the inheritance tax..&#160;&#160; <br />Accounts Receivable Tax    <br />Building Permit Tax    <br />CDL license Tax    <br />Cigarette Tax    <br />Corporate Income Tax    <br />Dog License Tax    <br />Excise Taxes    <br />Federal Income Tax    <br />Federal Unemployment Tax (FUTA)    <br />Fishing License Tax    <br />Food License Tax    <br />Fuel Permit Tax,&#160;&#160; <br />Gasoline Tax (currently 44.75 cents per gallon)    <br />General Excise Tax    <br />Gross Receipts Tax,    <br />Hunting License Tax    <br />Inheritance Tax,    <br />Inventory Tax    <br />IRS Interest Charges IRS Penalties (tax on top of tax)    <br />Liquor Tax,    <br />Luxury Taxes    <br />Marriage License Tax,    <br />Medicare Tax    <br />Personal Property Tax    <br />Property Tax    <br />Real Estate Tax     <br />Service Charge Tax    <br />Social Security Tax,    <br />Road Usage Tax    <br />Recreational Vehicle Tax,    <br />Sales Tax    <br />School Tax,    <br />State Income Tax    <br />State Unemployment Tax (SUTA)    <br />Telephone Federal Excise Tax    <br />Telephone Federal Universal Service Fee Tax    <br />Telephone Federal,    <br />State and Local Surcharge Taxes    <br />Telephone Minimum Usage    <br />Surcharge Tax    <br />Telephone Recurring and Nonrecurring Charges Tax    <br />Telephone State and Local Tax    <br />Telephone Usage Charge Tax    <br />Transient Accommodation Tax    <br />Utility Taxes    <br />Vehicle License Registration Tax    <br />Vehicle Sales Tax    <br />Watercraft Registration Tax    <br />Well Permit Tax    <br />Workers Compensation Tax    <br /><b>STILL THINK THIS IS FUNNY? Not on<u>e of these taxes existed </u>100 years ago, &amp; our nation was the most prosperous in the world.&#160; We had absolutely no national debt, had the largest middle class in the world, and Mom stayed home to raise the kids.</b>    <br />What in the hell happened?&#160; Can you spell &#8216;politicians?</p>
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		<title>When Customers Really Misbehave</title>
		<link>http://www.jholdas.com/when-customers-really-misbehave/</link>
		<comments>http://www.jholdas.com/when-customers-really-misbehave/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 18:14:54 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<description><![CDATA[


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		<title>For Whom The Bell Tolls</title>
		<link>http://www.jholdas.com/for-whom-the-bell-tolls/</link>
		<comments>http://www.jholdas.com/for-whom-the-bell-tolls/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 21:02:38 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<description><![CDATA[


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		<title>Some Things Never Change</title>
		<link>http://www.jholdas.com/some-things-never-change/</link>
		<comments>http://www.jholdas.com/some-things-never-change/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 18:24:36 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<title>Competition is a Good Thing</title>
		<link>http://www.jholdas.com/competition-is-a-good-thing/</link>
		<comments>http://www.jholdas.com/competition-is-a-good-thing/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 12:34:56 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

		<guid isPermaLink="false">http://www.jholdas.com/competition-is-a-good-thing/</guid>
		<description><![CDATA[Taken from Seth Godin’s blog this morning—worth sharing:
Competition 
The number one reason people give me for giving up on something great is, &#34;someone else is already doing that.&#34;
Or, parsed another way, &#34;my idea is not brand new.&#34; Or even, &#34;Oh no, now we&#8217;ll have competition.&#34;
Two big pieces of news for you:
1. Competition validates you. It [...]]]></description>
			<content:encoded><![CDATA[<p>Taken from Seth Godin’s blog this morning—worth sharing:</p>
<h5><a href="http://www.feedblitz.com/t2.asp?/198516/22167450/3874475/http://feedproxy.google.com/%7Er/typepad/sethsmainblog/%7E3/y6Jk-Op3EWQ/competition.html">Competition </a></h5>
<p>The number one reason people give me for giving up on something great is, &quot;someone else is already doing that.&quot;</p>
<p>Or, parsed another way, &quot;my idea is not brand new.&quot; Or even, &quot;Oh no, now we&#8217;ll have competition.&quot;</p>
<p>Two big pieces of news for you:</p>
<p>1. Competition validates you. It creates a category. It permits the sale to be this or that, not yes or no. And this or that is a much easier sale to make. It also makes decisions about pricing easier, because you have someone to compare against and lean on.</p>
<p>2. There are six billion people in the world. Even if your market is hand-made spoke shaves for left-handed woodworkers, there are more people in your market than you can ever hope to track down. </p>
<p>There are lots of good reasons to abandon a project. Having a little competition is not one of them. Even if it&#8217;s Google you&#8217;re up against.</p>
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		<title>Required Reading</title>
		<link>http://www.jholdas.com/required-reading/</link>
		<comments>http://www.jholdas.com/required-reading/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 00:06:23 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Free Enterprise]]></category>
		<category><![CDATA[Atlas Shrugged]]></category>
		<category><![CDATA[Ayn Rand]]></category>
		<category><![CDATA[liberty]]></category>

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		<description><![CDATA[Every thinking American should read Ayn Rand&#8211;We the Living, The Fountainhead, Atlas Shrugged, Anthem, and more. 
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			<content:encoded><![CDATA[<p>Every thinking American should read Ayn Rand&#8211;We the Living, The Fountainhead, Atlas Shrugged, Anthem, and more. </p>
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		<title>Ch-ch&#8211;changes</title>
		<link>http://www.jholdas.com/ch-ch-changes/</link>
		<comments>http://www.jholdas.com/ch-ch-changes/#comments</comments>
		<pubDate>Sat, 31 Jul 2010 14:35:42 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[change]]></category>
		<category><![CDATA[nostalgia]]></category>
		<category><![CDATA[technology]]></category>

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		<description><![CDATA[Not sure who wrote this but it&#8217;s worth reading:
Think About This
Whether these changes are good or bad depends in part on how we adapt to them. But, ready or not, here they come!
1. The Post Office. Get ready to imagine a world without the post office. They are so deeply in financial trouble that there [...]]]></description>
			<content:encoded><![CDATA[<p>Not sure who wrote this but it&#8217;s worth reading:</p>
<p>Think About This</p>
<p>Whether these changes are good or bad depends in part on how we adapt to them. But, ready or not, here they come!</p>
<p>1. The Post Office. Get ready to imagine a world without the post office. They are so deeply in financial trouble that there is probably no way to sustain it long term. Email, Fed Ex, and UPS have just about wiped out the minimum revenue needed to keep the post office alive. Most of your mail every day is junk mail and bills. </p>
<p>2. The Check. Britain is already laying the groundwork to do away with checks by 2018. It costs the financial system billions of dollars a year to process checks. Plastic cards and online transactions will lead to the eventual demise of the check. This plays right into the death of the post office If you never paid your bills by mail and never received them by mail, the post office would absolutely go out of business. </p>
<p>3. The Newspaper. The younger generation simply doesn&#8217;t read the newspaper. They certainly don&#8217;t subscribe to a daily delivered print edition. That may go the way of the milkman and the laundry man. As for reading the paper online, get ready to pay for it. The rise in mobile Internet devices and e-readers has caused all the newspaper and magazine publishers to form an alliance. They have met with Apple, Amazon, and the major cell phone companies to develop a model for paid subscription services. </p>
<p>4. The Book. You say you will never give up the physical book that you hold in your hand and turn the literal pages. I said the same thing about downloading music from iTunes. I wanted my hard copy CD. But I quickly changed my mind when I discovered that I could get albums for half the price without ever leaving home to get the latest music. The same thing will happen with books. You can browse a bookstore online and even read a preview chapter before you buy. And the price is less than half that of a real book. And think of the convenience! Once you start flicking your fingers on the screen instead of the book, you find that you are lost in the story, can&#8217;t wait to see what happens next, and you forget that you&#8217;re holding a gadget instead of a book. </p>
<p>5. The Land Line Telephone. Unless you have a large family and make a lot of local calls, you don&#8217;t need it anymore. Most people keep it simply because they&#8217;re always had it. But you are paying double charges for that extra service. All the cell phone companies will let you call customers using the same cell provider for no charge against your minutes. </p>
<p>6. Music. This is one of the saddest parts of the change story. The music industry is dying a slow death. Not just because of illegal downloading. It&#8217;s the lack of innovative new music being given a chance to get to the people who would like to hear it. Greed and corruption is the problem. The record labels and the radio conglomerates simply self-destruct. Over 40% of the music purchased today is &#8220;catalog items,&#8221; meaning traditional music that the public is familiar with. Older established artists. This is also true on the live concert circuit. To explore this fascinating and disturbing topic further, check out the book, &#8220;Appetite for Self-Destruction&#8221; by Steve Knopper, and the video documentary, &#8220;Before the Music Dies.&#8221; </p>
<p>7. Television. Revenues at the networks are down dramatically. Not just because of the economy. People are watching TV and movies streamed from their computers. And they&#8217;re playing games and doing lots of other things that take up the time that used to be spent watching TV. Prime time shows have degenerated down to lower than the lowest common denominator. Cable rates are skyrocketing and commercials run about every 4 minutes and 30 seconds. I say good riddance to most of it It&#8217;s time for the cable companies to be put out of our misery. Let the people choose what they want to watch online and through Netflix. </p>
<p>8. The &#8220;Things&#8221; That You Own. Many of the very possessions that we used to own are still in our lives, but we may not actually own them in the future. They may simply reside in &#8220;the cloud.&#8221; Today your computer has a hard drive and you store your pictures, music, movies, and documents. Your software is on a CD or DVD, and you can always re-install it if need be. But all of that is changing. Apple, Microsoft, and Google are all finishing up their latest &#8220;cloud services.&#8221; That means that when you turn on a computer, the Internet will be built into the operating system. So, Windows, Google, and the Mac OS will be tied straight into the Internet. If you click an icon, it will open something in the Internet cloud. If you save something, it will be saved to the cloud. And you may pay a monthly subscription fee to the cloud provider. </p>
<p>In this virtual world, you can access your music or your books, or your whatever from any laptop or handheld device. That&#8217;s the good news. But, will you actually own any of this &#8220;stuff&#8221; or will it all be able to disappear at any moment in a big &#8220;Poof?&#8221; Will most of the things in our lives be disposable and whimsical? It makes you want to run to the closet and pull out that photo album, grab a book from the shelf, or open up a CD case and pull out the insert. </p>
<p>9. Privacy. If there ever was a concept that we can look back on nostalgically, it would be privacy. That&#8217;s gone. It&#8217;s been gone for a long time anyway. There are cameras on the street, in most of the buildings, and even built into your computer and cell phone. But you can be sure that 24/7 &#8220;They&#8221; know who you are and where you are, right down to the GPS coordinates, and the Google Street View. If you buy something, your habit is put into a zillion profiles, and your ads will change to reflect those habits. And &#8220;They&#8221; will try to get you to buy something else. Again and again.</p>
<p>All we will have that can&#8217;t be changed are Memories.</p>
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		<title>The Power of Thank You Notes&#8212;Handwritten</title>
		<link>http://www.jholdas.com/the-power-of-thank-you-noteshandwritten/</link>
		<comments>http://www.jholdas.com/the-power-of-thank-you-noteshandwritten/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 21:08:39 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[Mike Baer's Blog]]></category>

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		<description><![CDATA[Thanks to Alena Watts for sharing this article on the power of a handwritten note.
http://www.tampabay.com/news/business/workinglife/article1110497.ece
]]></description>
			<content:encoded><![CDATA[<p>Thanks to Alena Watts for sharing this article on the power of a handwritten note.</p>
<p><a href="http://www.tampabay.com/news/business/workinglife/article1110497.ece">http://www.tampabay.com/news/business/workinglife/article1110497.ece</a></p>
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		<item>
		<title>The Vanishing US Middle Class</title>
		<link>http://www.jholdas.com/the-vanishing-us-middle-class/</link>
		<comments>http://www.jholdas.com/the-vanishing-us-middle-class/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 15:03:35 +0000</pubDate>
		<dc:creator>michaelrbaer</dc:creator>
				<category><![CDATA[small business]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[middle class]]></category>
		<category><![CDATA[socioeconomics]]></category>

		<guid isPermaLink="false">http://www.jholdas.com/the-vanishing-us-middle-class/</guid>
		<description><![CDATA[A story worth reading and thinking about:
http://finance.yahoo.com/tech-ticker/the-u.s.-middle-class-is-being-wiped-out-heres-the-stats-to-prove-it-520657.html?tickers=%5EDJI%2C%5EGSPC%2CSPY%2CMCD%2CWMT%2CXRT%2CDIA
]]></description>
			<content:encoded><![CDATA[<p>A story worth reading and thinking about:</p>
<p>http://finance.yahoo.com/tech-ticker/the-u.s.-middle-class-is-being-wiped-out-heres-the-stats-to-prove-it-520657.html?tickers=%5EDJI%2C%5EGSPC%2CSPY%2CMCD%2CWMT%2CXRT%2CDIA</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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