Wild Bill, ain’t no fighting City Hall

If I’ve got any authority in Hays, Mrs. Lake isn’t going to pay this town a cent of license for showing, and if any man attempts to stop this show, then just put it down that he’s got me to fight.

Wild Bill Hickok, http://www.brainyquote.com

Some may wonder which came first, shaping stones and bone into spearpoints and arrowheads, or the village council that decided Mog and Og needed approval, licenses and regular inspections of their enterprise.

Eight thousand years later, an enterprising small business person who ventures into performing a service or providing a product, is supporting a community. She has not just her own family’s living to support, but an entire “industry” of bureaucrats, at the local, state and federal levels of Government. And in California particularly, as a businessperson, earning a living that minimizes the costly regulations that have environment, employment practices, taxes, fees and so forth, driving small businesses under.

Deciding to start one’s own enterprise, in California, and certainly elsewhere, requires a great deal of capital up front, a niche market, and establishing quickly an efficient organization. Mentors, business seminars and other resources can provide training and encouragement, but skilled and dedicated owners and employees find, serve and retain clients. Many, like myself, who have decades of employee experience, soon realize the challenge of one’s own business to balance investment, expenses, and fees against recurring income to make a decent return in the first and succeeding years. It takes planning, and frequent tweaking of the business model. The bureaucracy is another thing entirely.

After filing the regulatory paperwork with the State, including forming a Limited Liability Company, we loaned the business personal funds for the contractual and mandated types of insurances, paying filing fees, and notarizing documents, setting up business banking, bookkeeping, and a Google GSuite of Cloud-based calendar, business email and document storage. Since we were still working for our respective employers, tax considerations of incorporation or forming and LLC were and remain an important issue. Prior to earning a cent, our Liabilities were looking to be a very big motivator to getting our business moving forward.

As a residence-based service business, our enterprise does not operate in an office building, nor manufacture products, nor maintain an inventory. Operating out of a residence located in an unincorporated area, I learned that reporting the actual physical location – separate from the mailing address – in business organization documents would mitigate municipal taxes, inspections and other recurring fees. (The mailing address bears the nearby municipality name.)

But there are other concerns as well. Operating a business, even one that travels to a customer site as our business does, is required to file for a business license. The “gray area” that no municipal clerk whose job it is issuing business licenses and collecting fees, would likely err on the side of the entrepreneur – is whether a license to do business in every municipality that one performs a service – is required. Of course, every municipality’s City Hall will state categorically that a license is required by a business according to a list of industry types. Some types require fees and inspections from safety professionals, zoning and building code enforcement officials. Business coaches I have spoken with, concur that paying fees willy-nilly can quickly eat away an enterprise’s bottom line. While membership in associations that help small entrepreneurs may be a necessary expense, I am considering that expertise gained in those associations may help steer a small business toward profitability.

At least, one of my prospective clients is a State agency, so there is an opportunity, however slight, that money coming out of my pocket, might eventually trickle somewhat back to me. And while I might appreciate a Wild Bill Hickok helping me fight City Hall, I think even he might be outgunned, particularly if he has not paid the required 2019 firearm licensing and entertainment business fees.

Not “Switzerland”

In a war everybody always knows all about Switzerland, in peace times it is just Switzerland but in war time it is the only country that everybody has confidence in, everybody.

Gertrude Stein; https://www.brainyquote.com

When my sons and I now debate the polarizing topics of the day, we still can see the others’ point of view though we disagree on positions, evidence, and interpretation of those differing opinions. My spouse, who deals with conflict in her job has on numerous occasions stated to us and to others that she is “Switzerland” when we all try to bring her to our side.

But there are times when the family rallies around one another. Nobody takes a position of non-intervention or turns a blind eye to family crises. Politics, gender, religion, age, birth-order, and sports are not discussed when a family member is hospitalized. Berating individuals about life choices and mental fitness are banned, delayed or withheld, in order to support the suffering member.

Perhaps we are fortunate. Or that we have a unique perspective. But I do not think so. Our family has six adults, one by marriage, and a grandchild. Our “empty nest” has been re-nested with the same suffering family member recently. Our family has been touched by illness, substance abuse, divorce, step-parenting, military service, job loss, overwork, financial issues, car accidents, and even a fire in our home. Everything from hospitalized parent (the author’s and his wife’s), online stalking, high school shootings, and even a student suicide have touched the life experience of members of this family.

Photo by Pixabay on Pexels.com

In the end what holds us together as family is more permanent than what makes us individual. In the world, the concept of “family” means different things to different people. But in ours, there is no room for anyone to sit on the sidelines.

pure faxing magic

I got a chain letter by fax. It’s very simple. You just fax a dollar bill to everybody on the list.

Steven Wright, comedian http://www.brainyquote.com/

My at-odds relationship with technology, like copiers and fax machines is very likely material for a Steven Wright comedy bit.

Pure Faxing Magic

I have spent nearly forty years employed in the technology sector. Beginning with vacuum tube systems and basic electronics, by the later years of my career, I would assemble, program and debug very complicated encryption devices.

Nevertheless, copiers, the collating, multiple paper-size, scanners-with-email, touch-selection types have me looking like a kindergarten kid with paper,crayons and glue. I make a call to my ‘work wife’, our senior department Admin for assistance – or I avoid everything but printing.

In the Navy, I was first introduced to facsimile machines in the late 1980s. Who knew that these would be part of my job description with my new business. Between the drum life “nearing the end” messages (what is a drum?), a Mode button (one must select to actually RECEIVE the fax transmission!), and what to do when either the power or the telephone line drops out, I have learned how to respond appropriately. I do not get exasperated.

fax machines
not a musical instrument nor a museum piece

I learned steps from my IT point of contact at our customer sites (somehow nursing instructors always seem to fill in for technical experts on staff):

  1. Wait.
  2. Hit the “Mode” button.
  3. Cycle the “power” button.
  4. Call the “Help Desk” or the site administrator’s assistant.

A cause worth dying for

defense.gov

On the sixth of June, 1944, seventy- five years ago, more than a hundred- fifty thousand Allied troops became heroes on D-Day.

My late mother was a 12 year old schoolgirl living on the shores of the Belfast Lough in Northern Ireland. She told me of a foggy early morning probably a few days before the invasion when she saw many ships in the Lough only to disappear a day later. That capped a brief visit days earlier of an American cousin in her mother’s family, a Merchant Marine, who she later learned had been decorated for bravery in the Battle for Malta in 1942.

While some may think that Northern Ireland was far from the Blitz – the campaign the Nazi waged against Britain – German bombers attempting to destroy or disable aircraft manufacturing and the Belfast shipyard from April through May 1941, destroyed a considerable part of the city. A thousand were killed, many were injured and more than 100,000 were left homeless. Once the Nazis started their campaign against the Soviet Union in June 1941, they diverted their bombers.

My mother and family were fortunate in that their home was not bombed but the family retail business was unable to recover from the bombing of the city and the economic conditions which persisted all through the war and the remainder of the decade. And so my mother’s family became emigres to the United States in 1948 (other relatives had been living in the United States since the mid-19th Century).

Art of Costco shopping

alliances and diplomacy

The supreme art of war is to subdue the enemy without fighting.

Sun Tzu, The Art of War
Photo by San Fermin Pamplona on Pexels.com

I have reached a point in life that shopping in “big box” stores disappoints me. Twenty-five years ago, the big stores were a curiosity, since as a single man, I never imagined the option to buy a year’s supply of toilet paper at one time, a 10-pack of chicken thighs or steaks, or ketchup by the gallon. People were nicer then, too. As you drove in the parking lot – at 2 mph – a customer might say, “hang on a minute and you can have my spot”. The clerks at the checkout would chat with you – both your kids play baseball at the same high school. The three people in line at checkout would not fume at a little friendliness. You might see your child’s teacher, or coach, or your co-worker shopping also. It was a time when buying something foreign-made ( Japan, Mexico, or Latin America) was a good deal, and not going to start a debate on politics or foreign policy.

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A day to remember and respect

It's a Dog's Life

Memorial Day in the United States is a time to remember and honor the men and women who have given their lives in the service of our nation’s freedom. While it is definitely a positive to service members to thank them for their service on this particular day, we should all think of the nation’s honored dead and send thoughts of comfort to their families.

display of the American flag, at dedication of September 11th memorial, Pentagon,  2008.
During ceremonies held on Sept. 11, 2008, dedicating the Pentagon Memorial, representatives of the local police and firefighting units, who were the first responders to the terrorist attack, pose at the top of a large American Flag, just as they did 7 years agp when President George W. Bush visited the site to see the destruction for himself. DoD photo by R. D. Ward (Released)

Regardless of the politics one supports, war and conflict touch all of us. Today, before we celebrate with barbecues, family…

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chasing after wind

better one handful with tranquility than two handfuls with toil and chasing after the wind

Ecclesiastes 4: 6 (NIV)

I listen to an investment talk show on the radio Saturday mornings while driving home from my prayer-hike in the Mission Trails Park (San Diego, CA). The hosts were commenting that the House (Congress) has recently approved changing working Americans retirement savings programs (the SECURE act) to help people who put little to no money aside for their “old age”. The radio show’s hosts were remarking how consumer debt is growing again, and with workers left to voluntarily invest in company 401K plans, IRAs (Individual Retirement Accounts) and funding emergency savings ( e.g. six months of expenses), fewer than four in ten are setting money aside. With consumerism driving cycles of economic growth followed by downturns, unemployment, and bankruptcies since the 1970s, are we headed there again?

Perhaps it is one of the failures of a developed nation that savings and prudent investment is not taught in the K – 12 grades nor in colleges. And young adults, free of parental guidance, are heavily marketed to obtain credit and jump into the consumer lifestyle. After September 11th, our youth grew up with continual exposure to negative future images – homelessness, refugees, terrorist attacks at home and abroad, a bleak economic outlook, and hostility toward “traditional values”. It seems almost forgivable that young people are seeking to have it “now” rather than later.

For the last of the Baby Boomers, for Generation X, and Millennials, the promises of Government, particularly those seeking public office by positioning themselves as champions of the disadvantaged, should sound like a broken record of the past cycles. For those between thirty and sixty years of age, the financial missteps of the past should have served as a lesson to improve one’s financial security. Into one’s Forties, obtaining a trade or marketable skill (regardless of one’s “passion”) can still provide for one’s retirement. The traditional “invaluable employee” mentality should improve wages. If wage or employment benefits stagnate, different employment has been increasingly available.

Like Solomon four thousand years ago expressed, seeking to keep up with the consumerism of one’s neighbors, rather than living prudently leads to “chasing after wind”. Delaying gratification, investing prudently, living within one’s means, and looking to your own welfare instead of the Government’s plans for you, leads to a golden “old age”.