State of the Union: Part I

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The current international bustle of big business is on a wild roller-coaster ride to the top, while small businesses are reaching out for the tail wind, as the New World Order, like it or not, takes hold.  Where does it leave you, as a small business owner? 

If you are as smart as you need to be in order to secure a lasting and profitable business, you will be extremely observant, now, of all alterations to national and international government policy.  When you are aware of which changes are being planned and favored within the hallowed Halls of Congress, you will be able to make appropriate adjustments, accordingly.  As such, C-Span is a boon to businesses of all sizes.  You might even wish to record some sessions, for your records.  It will help you to take immediate advantage of legislative adjustments in your favor and to ward off legislation which appears to be unfavorable to your business; if you write to your Representative, as a citizen who owns a small business, he or she will be attentive to you.

Another essential step which you must not hesitate to take is to pay off ALL of your credit card debt, as quickly as feasible, and to renegotiate any adjustable rate loans which you might have authorized to low-interest fixed rate loans, without exception; keeping it "up-beat" because I do not want to frighten you unnecessarily, you have no safe alternative!

Since the deregulation of the banking industry, credit card companies, loan companies, and banks have no logical ceilings on interest rates, fees, and value-added charges. The U.S. Government, also, made it more difficult to declare bankruptcy, in anticipation of this year's international market transition. Thus, if your investment stocks should tumble in a long dip, one afternoon, without swift correction, causing you to scurry in defense and to, consequently, postpone payment of even one bill by one day too many and you, subsequently, find that the late fee caused your account to be 2 cents over your credit line, your interest rate will increase and you will be fined for being over the limit. Now, hypothetically, you are paying more money, monthly, for the same purchases. Multiply such an unintentional error by the number of bills which you pay monthly and the dollar signs become more apparent. Now, you are draining your profits to pay hard-earned cash to someone else, every month. Be late or over the limit again and your interest rate increases again, in addition to the large fees. This is your money. Why would anyone be in business if they are willing to throw good money away? Yet, unexpected events can happen to any business, especially during such an international economic overhaul as America is witnessing, today. I have seen such interest rates inch up to 23%, 39%, 44%, 120%, and 440%, and Congress has done nothing to cap them. Technically, 8.5% interest is more than sufficient for any bank - without additional fees. Nevertheless, the fact is that their lobbyists are more powerful than your lobbyists. So pay your debts OFF, NOW! You will be GLAD that you did!

Tighten your budget and your inventory. Scour your books for unessential expenditures, such as scads of stored paper clips which were purchased on sale during the plush days, when steel was still being made in America. Do not scrimp on your workforce, however. Many a business has faltered because there were not enough employees to make certain that all of the work was completed in a timely fashion. Treat your employees well. The return will be phenomenal. Instead, scale down your purchases, purchase with cash, return unessential stock items, and consider allowing as many employees as feasible to work from the comfort of their homes; it will save on overhead costs, help the environment, and they will love working from home at a desk with a cozy chair.

Finally, purchase .9999% pure gold bullion from the U.S. Mint and the .9999% pure gold coins of any nation. Gold is, currently, undervalued by, at least, $700 per ounce, even though it has enjoyed a dramatic increase in value during the past year. It will not "top out" until it reaches, approximately, $1,600 per ounce. Silver will increase at a slower and lower rate. The TRUE value of gold is EXTREMELY high, however, The New World Order (International Government) will continue to curb it's market value as it scoops up as much gold as it can for it's own reserves. As such, invest as much of your cash reserves, as feasible, in .9999% pure gold, immediately.

If you adhere, strictly, to this, my sage advice, you may find yourself expanding without compromise - which is a very sweet deal, indeed!