this business school is self-study

Getting started

Going into business for yourself is not difficult even in California. It is more challenging in California to be sure. Many industries are regulated, from massage therapists to for-profit education, automotive repair shops to metal fabrication. But in a tourist haven like San Diego there are no shortage of small retailers and cafes as well. Just like the rest of the United States, small businesses are the major employer in San Diego County.

From a 2019 article, a survey of five hundred small businesses in San Diego with fewer than 100 employees, found that more than a third were women-owned and ten percent of the total were veteran-owned. In another local online journal, in 2017 there were 60,000 businesses employing fewer than ten people. By the numbers, it sounds like starting my business as a both veteran- and woman-owned should have room to grow.

Our business is among the fortunate start-ups that earned a profit in the first year (2019), but we had a market that needed our particular service and skills. But this market has limited growth potential, so we may find we want to develop other services. One such service – that fit naturally in the market we are already serving, is fingerprinting. In California, as in other states, to work in education, in healthcare, in finance, and other specific industries require employees to undergo a background check including taking fingerprints. The process to start a business required six months including applying, obtaining a background check, approval and obtaining specialized equipment. At this point, we needed to get more business savvy.

In 2020, my business partner and spouse went back to school. It was a suggestion of a friend to seek advice from the Small Business Development Center (SBDC) office in the East County. From that first meeting, we realized that we needed to become educated in how to efficiently run and grow our businesses. Training is offered for free. That office, like hundreds across the country are funded by grants from the US Small Business Administration. Mentoring though, puts the responsibility on the business owner to do research, form theories, and then test them. Our first tool he provided – that I had never seen before – is the Business Model Canvas (BMI).

homework

A first lesson is learning potential customer segments for my services. And the value proposition for each potential segment.

A day at the zoo

feeding the tykes at the Zoo

My grandson is too young to appreciate the zoo. But I think the time spent at the San Diego Zoo, was decidedly beneficial for our son and his wife, to get a little time to themselves, and for Gramma (and Grampa) to have time with the little one.

Tasmanian Devil

A toddler, now in his third month of real mobility, enjoys hustling around out of the stroller. Under the watchful eyes of grandparent a half-step behind, of course. Fortified with cereal ‘puffs’, he finds plant fronds and shredded bark satisfy -for a time- his need to be touching everything.

Maybe in a couple months he will find the animals fascinating. With the petting zoo under construction for the next 18 months, we may check out other sights around San Diego. But all of us will be back soon. While I enjoy being out and about on weekends with the grandson, we now have annual passes to the Zoo. And for Grampa’s exercise plan, there’s nothing like pushing a toddler in a stroller from the far end of the park, up the long hill to the Zoo entrance.

African Eland

Seaport Village

How many residents of a place that boasts dozens of “touristy” things to see and do, in of the most popular tourist destinations in the United States, frequent them on weekends? And particularly on a beautiful Saturday in the middle of summer? If seven sat at the same table in Seaport Village during the noon hour bustle there may be more than I imagined.

Living twenty minutes to the east of San Diego (judging by Sunday morning traffic), with our kids grown, we have gone to restaurants there for special occasions. So it was a special treat for another married couple, and my wife and I, friends for many years, to go to Seaport Village. Many people may visit San Diego for conventions (Comicon is coming soon), and the Gas Lamp district bars and restaurants is popular with a crowd thirty years my junior. A few minutes away from these, Seaport Village, in years past for my wife and I was a “date destination”. Little craft shops, boutiques, and ice cream and sweets – I admit, I prefer the ice cream to the shop selling handbags – but we enjoyed today as much as in the past. A photographer displayed some captivating images of the area with touches he described took thousands of images and a full day sometimes to capture and then superimpose.

Today the big challenge was finding seating with one of our party in a wheelchair. While the two husbands waited for the burgers, our wives were fortunate: a family invited us to join them. They were also “locals”, which to all of us (except my spouse, a native San Diegan) meant we came from other parts of the country and settled down.

One of the favorite areas that has been restored and re-purposed, is the former San Diego Police headquarters (dating from the 1930s) adjacent to Seaport Village. Though I have been in San Diego more than 20 years, I never noticed what it would become in the last couple years. It was at the suggestion of our lunchmates that we went over to see “the Headquarters” shops, and see what the old jail cells looked like seventy years ago. Where a board has dozens of mug shots of former burgulars, “weedheads”, and petty criminals on display, we all took turns getting a photo op.

There is a lot of San Diego worth visiting for first-time visitors, newlyweds, convention-goers and even some curmudgeon retired Navy people. As long as Haagen-Dazs ice cream is available afterward.

heroes

When your time comes to die, be not like those whose hearts are filled with fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song, and die like a hero going home. Tecumseh

https://www.brainyquote.com/authors/tecumseh

Judging from reports that superhero movies generate billions of dollars of sales around the world, people hunger for heroes, heroic actions, and feel-good-that-bad-guys-lose stories. As much as I loved watching the Avengers MCU franchise, I do not think of the big green guy, an Asgardian with a big hammer, or an Elon Musk -on-steroids, Iron Man, when I picture a “hero”.

Kendrick Castillo

A hero is the eighteen year old Kendrick Castillo who charged the murderous punks at the STEM school in Colorado, protecting his classmates at the sacrifice of his life. Let’s not forget his classmates, Jackson Gregory and Lucas Albertoni, who also rushed the shooters. I would hope the media and history books will immortalize them and not dwell on the perpetrators. It is that latter attention that inspires damaged people to commit other heinous crimes.

Oscar Stewart

Dwell instead on those like Oscar Stewart, the Army veteran attending services who instinctively chased after the murdering coward in the Chabad synagogue in Poway, California. Honor also Lori Kaye who died defending her rabbi. They wore no armor, and doubtless, had any plans to defend their fellow worshippers that day from a hail of bullets.

A superhero is someone who, at some point or in some way, inspires hope or is the enemy of cynicism. Mark Waid Read

https://www.brainyquote.com/quotes/mark_waid_828583
Lori Kaye

In a world that is always at the mercy of violent men (and women), we can be forgiven for indulging in fantasy where evil may triumph for a time. Thankfully, fictional heroes figure out a way to defeat it and save the universe.

In tragedy, unlikely people emerge as heroes, defending family, friends or strangers from evildoers. In troubled times, there is always a need for heroes, but not magic stones to combat wrongs.

hot water

An experienced mariner knows most basic principle of seamanship: keep the water outside the skin of the ship. But what if you want water, for your health and convenience, inside a ship? Before modern systems aboard ship made potable water from seawater, sailors had to carry sufficient drinking water with them. Sailors rarely bathed. In the later years of sailing ships, mariners learned that cold water bathing, and clean clothes would prevent communicable disease, and foul odors (germs). Modern systems on larger vessels supply clean water for everything from cooling equipment to supplying sailors with drinking water and for food preparation. As an added personal benefit: hot water for showers.

Living ashore since retiring from the sea service, I have not had to go without clean clothes, nor without hot water for ages. This week our home water heater failed and for two days we were braving cool showers. Calling out a plumbing company – one who installed my unit happened to be a former Navy HT – was a smart move. I would have been out of my depth (pardon the pun) there.

With an older home, lots of unforeseen costs for safety systems raised the price and the complexity of the job. My wife and I opted for a better, “greener”, and only a little more expensive longer-term solution. A tankless system instead of an old technology- and shorter lived one. With other required modifications for federal, state, and local regulations, the cost had us briefly thinking, is cold water really all that horrible? But with my restless dreams about work in recent weeks, I never want to have nightmares about flooding -while at work – soothed by cold water showers!

military community service

service to the poor among us


The best way to find yourself is to lose yourself in the service of others. Mahatma Gandhi

https://www.brainyquote.com/quotes/mahatma_gandhi_150725

As a member of a group of community-minded veterans, a calling grows louder in my ears the older I have become. Give back to the military community; be hospitable, and serve them and their families when they have need. During the Navy CPO “transition” season, veterans and civilians making a donation while getting a vehicle washed supports the new CPOs in training. A summer “Christmas party” for returning Marines and their families, encourages those who were deployed away from home during the holidays. Donations to military service organizations, participating in letter-writing campaigns on military -related issues, and in contributing to veteran-assistance projects at events sponsored by my employer all serve to help. In this blog, we find and highlight some of the “veterans-helping-veterans” support projects, enterprising ideas about self-employment, and share good news.

One of the community service programs I have yet to blog about, is the “Homeless Brigade”; members of my church congregation formed an outreach group to serve the homeless in San Diego county several years ago. Military veterans make up a significant percentage of the homeless in America; while showing kindness to the homeless, one often shows kindness to the veteran. Service is not just a “mission statement” however among those I worship with. The five congregations or “regions” of our San Diego church work in concert with a national and international fellowship of churches and a United Nations-recognized charitable organization.


I pray to be a good servant to God, a father, a husband, a son, a friend, a brother, an uncle, a good neighbor, a good leader to those who look up to me, a good follower to those who are serving God and doing the right thing. Mark Wahlberg

https://www.brainyquote.com/quotes/mark_wahlberg_471100

serving current service members in our community

Called to model the ministry and compassion of Jesus Christ, some among our veteran community in my congregation have dedicated years to encouraging the poor and homeless. Inspiring younger church volunteers, who then made the mission their calling, our veteran community started a new campaign of service: practice hospitality serving Active Duty service members and their families on the military bases\units\ships where our members serve and work . Now we are organizing a day of fun, competition and barbecue at one of the San Diego beaches this summer. Perhaps this will lead to more opportunities to encourage young military men and women. They have dedicated their time, comfort, and often, safety, in service to the nation. Perhaps we will inspire them.


The Bible tells us that there are some things worth fighting for. In fact, the Bible says there’s some things worth dying for. Rick Warren

https://www.brainyquote.com/quotes/rick_warren_456858

Tax disincentive

There are two certainties in life: Death and taxes. And a third, “if it sounds too good to be true, it isn’t true”. But there is also another truth. Politicians, bureaucrats and their backers (the news media, bankers, billionaire investors, or celebrities), all stir up chaos for their opponents, whip up groups of like-minded people by pretending to care for them, and make all sorts of speeches promising better times ahead.


The only difference between death and taxes is that death doesn’t get worse every time Congress meets.

Will Rogers, via Brainyquote.com

While people my age have heard all this nonsense before and are less inclined to go along, the palaver is not meant for my age group. Psychological journals, in various published studies, revel in the obvious. Young adults between 18 – 27, are more idealistic, much less structured in goals, exhibit more fluid work ethic, and are more motivated by income “fairness” and other talking points they read on social media. By the time men and women reach their Thirties, with stable jobs, goals, and families, these issues, rhetoric, and ‘social-justice’ activism become much less an influence. But the common talking points in social media and in politics today is how unfairly wealth is distributed. As a child, I was raised that hard work, skilled effort, ethics and morals would, over time elevate my station and economic success. There was plenty of room for anyone to become wealthy and provide for their families without blaming and taking from others. What changed?

Paying their “fair” share?

In 2019, I fear that people who have contributed to the economic well-being of the country for the least amount of time or produced the least amount of economic goods and services are being made fools of, by the wealthiest, least added-value members of society: politicians and bureaucrats funded by taxpayers. It is not that young people are in any way less important or less credible in their contributions and feelings, but forty percent of the Congress is far wealthier than those they represent. While every taxpayer in the United States can voluntarily contribute more to fund the Government, donate to charities for causes they feel strongly, and volunteer to aid those they feel are under-served, are there any who voluntarily give more than they are legally required? But most demand that Government support causes and constituents that are better served through local donations. And despite all the rhetoric we hear, does any public servant reside in public housing, use public transportation, or donate salaries and perks to the underprivileged?

Many, like one of my old college buddies, are worked up frequently about the lack of fairness and greed exhibited by members of a certain American political party, though there is plenty of blame to go around. Tonight, I am more worked up by my miscalculation on our annual income tax returns for Federal and State. We owe a large amount of income taxes due to the change in the approved deductions and income limits for other deductions. This is due to the “Trump Tax Cut” enacted in 2018. Researching the new tax policy, there are two ends of the economic spectrum that are benefiting, though the wealthiest Americans are benefiting far more.

Who benefits from the new tax plan?

With change in the standard deduction, doubling it to $24000 for those who file a joint return, many do not have to file complex returns. While there is some who think that increasing the “standard deduction” will reduce the incentive to make charitable contributions by lower middle-income workers, the tax policy really changes the taxes owed by the higher wage households- reducing the graduated scale of highest earning workers from 39 to 37 percent. And if those individuals are business owners, the rate may drop to 20 percent.


The people are hungry: It is because those in authority eat up too much in taxes.


Lao Tzu

For those caught in the “middle”, such as older taxpayers whose grown children are no longer family deductions, their seniority at work may elevate their incomes to higher tax brackets, and all the expenses of living and home ownership, there are disincentives to continuing to be an employee. But retirement also may come at a cost. Withdrawals from qualified retirement plans prior to age 59.5 incur income taxes and penalties. Some states like California tax retirement pensions, and with public service pensions largely unfunded, these states increase taxes to provide benefits and sacrifice the maintenance of infrastructure – roads, schools, and vital services.

Entrepreneurs and tax sense

Like many, I chose security of being an employee over most of my working life. But being a “worker” and not a “business owner” in 2019 has its tax disadvantages. Fair, ethical, and legal provisions used in the last twenty years have been significantly changed. While younger workers at lower wages and with young families may find some benefit from new tax provisions, others in the “Middle Class” are not as fortunate. Older, still working, married adults with now-adult children, who may still be providing for certain of their needs – no longer can claim them as deductions for tax purposes. Those fortunate to own homes in high property tax states, are limited in the amount they can claim federally- basically paying taxes a second time on the same income. Others, such as small business owners have complex tax rules to follow. The “Trump Tax Cut” seems to be flawed.

Some regulations should have come with bold print. With retirement savings such as employer 401K plans, IRAs and healthcare savings accounts available, these come with certain stipulations. Pre-tax income placed in flexible health spending accounts must be used within the calendar year or are lost; certain employer health plans can place pre-tax earnings in an account which can grow year after year, even into retirement, but must be used for medical expenses – or are taxed heavily. And for higher wage earners, traditional Individual Retirement Accounts, money invested for the purpose of reducing income taxes does not provide the immediate benefit sought.

The wealthiest Americans are fairing a lot better in 2019 than before. While true that the top 20 percent of all wage earners contribute the largest share of the revenue to fund the Government (50 percent of working Americans pay little income tax, while three percent contribute most of all), the overall taxes for those wealthiest Americans – many of whom are business owners – dropped significantly. I’m beginning to think that wealthy politicians are being disingenuous. They are not feeling nor acting in private like the outraged they claim to represent.

If people want to participate more fully in the “American Dream”, operating a successful business seems to be the vehicle to do so in 2019 and into the future. Except perhaps in California, or should the country decide to follow the anti-capitalist and anti-constitutional policies that have been voiced since the President’s election. A look at statistics indicates that the country is not in jeopardy of an economic crisis as some suggest. In the United States in 2017, the median family income was $61,000; in California, $81, 000, according to the US Census Bureau. While there are many who are at the extremes in California and elsewhere, there are many who have gained wealth and property through operating successful businesses.

Paying closer attention to income tax, balance sheets, and government policies that affect income is necessary. But that comes with age and the acquisition of property. All the rest is just politics.