Saturday, October 27, 2012

Revisiting Voting Blocs. Are They More Fluid These Days?


By Alan Caruba
It has long been a tradition in American politics to speak of voting blocs, but in an era of 24/7 news and instant communications, that may be less likely as an indicator of who votes for who.
For example, The Jewish Press, the largest orthodox Jewish weekly, came out with a strong endorsement of Mitt Romney, but the political pundits keep wondering how Jews—usually Democratic and liberal—will vote on November 6.
In point of fact, Jewish voters are a minority at best and not likely to move the dial except in South Florida, and urban centers such as New York, Los Angeles, and their environs. What can be said is that Obama’s hostility to Israel is going to play a role in how Jews vote. Traditionally Democrats and liberals, they are generally close observers of the political winds and, while not all Zionists, they have a strong attachment to the Holy Land.
In a similar way, not all Catholics oppose abortion and they can be found in both political parties. The notion, however, that the government demands that their institutions like hospitals act counter to the Church’s fundamental beliefs has surely angered many Catholics. Hispanics, generally Catholic, tend toward a more conservative point of view, but the thought that they will vote as a bloc also seems a reach. Hispanic citizens come from many different places and cultures. And evangelicals could care less at this point that Mitt Romney is a Mormon. They know a man of faith when they see one.
The current wisdom regarding blacks is that they will support Obama, but it is also widely believed among observers that many will simply not vote in the dramatic numbers of 2008. Blacks are said to be disappointed with Obama regarding the economy and offended by his support for gay marriage. Overall, the African-American community has seen few gains, if any, in an economy gone south.
Women are regarded as a major factor in the election and both the Obama and Romney camps are said to be making a big effort to secure their vote, but I suspect women will either vote within their party affiliation if they are Democrats or cross party lines because of economic issues—lack of employment opportunities, the rising cost of food and gas, children who graduated college this year and are still living at home, et cetera. The Democrat’s farcical “war on women” has no traction.
Political consultants and advisors make their living reading the tea leafs of a campaign, but this one will come down to the economy, jobs, and inflation. These issues affect people no matter what religion, race or gender.
The Wrath of the Seniors
There is one very large group about which and from whom little has been heard. They represent all the other voting blocs and can be regarded as one themselves; senior citizens.
In 2008 the CIA Fact Book estimate of the number of senior citizens, age 65 and older, represented 12.7 % of the population; males 16,263,255 and females 22,426,914. There are more now because baby boomers are entering the ranks of seniors in the millions these days. In 2011 the first of 79 million Americans born between the end of World War II and the mid-1960s will turn 65, swelling the ranks of Medicare and Social Security recipients.
A lot of the seniors, no matter race, gender, or political affiliation are very worried about Obamacare and they should be. Many already know that Obama took over half a trillion out of Medicare to fund Obamacare and you can be damned sure they are not happy about it.
At the other end of the age cycle Generation Opportunity.org, a non-profit group devoted to mobilizing young Americans (18-29) on important economic issues, reports that its polling says 76% of Millennials plan to vote.
Fully 89% say that the current state of the economy is impacting their lives and not in a good way. The youth unemployment rate is 11.8% and, for blacks it is a whopping 21%. The declining labor force participation rate has created 1.7 million young adults who are not even counted as unemployed; bad news for a candidate who promised hope and change four years ago.
No doubt exit interviews and other post-election studies will reveal trends, but if, like 23 million Americans, you’re out of a job, still looking after several months, or just stopped looking, you have plenty of motivation to go to the polls and cast your vote for the only real “hope and change” available, the election of Mitt Romney.
One factor in the election has received little attention, but it should not be overlooked. A lot of states where energy reserves, particularly coal, represent a significant economic factor, have little reason to reelect Obama. An estimated 90 percent of coal reserves are concentrated in ten states, but it is mined in 27 states. Even though the U.S. coal reserves represent as much energy as all the oil in Saudi Arabia, Obama has waged a war on this valuable resource.
According to the U.S. Energy Information Administration, coal production has fallen 6.5% during the Obama years. So that is one promise he’s kept; largely due to draconian EPA regulations. The EIA expects 8.5% of coal-fired plants will retire by 2016 and 17% by 2020. Coal has fallen to 32% of net electricity generation from 48% when Obama took office.
While indicting the oil industry, the Obama administration has managed to squander billions of U.S. taxpayer dollars on uncompetitive wind and solar companies, electric car production, and at one point he was advocating algae—pond scum—as a source of energy.
Instinctively, Americans know that the U.S. must maintain a strong defense and they know that is not the case these days. They love their fighting forces and their veterans. Obama does not.
For me, the most interesting aspect of the 2012 campaigns has been the total absence of blather about “global warming” and only a few references to “climate change” by either candidate. When Al Gore and John Kerry ran, they were all over this like a doggy chew bone. President Obama who has unleashed the Environmental Protection Agency to impose an insane list of economy-killing regulations has had little to say about an issue that we have been told for decades was the most serious one of all.
While I am still fearful about the apparent close divide in the polls—which are trending now toward Romney—I keep thinking that Obama is going to crash and burn on November 6th. Even people who are not glued to the news channels or who refuse to process negative information about Obama now know he is a pathological liar and the administration’s response to the killing of a U.S. ambassador and three others in Benghazi, Libya put this on full display.
At least Democrats could believe Bill Clinton when he said he felt their pain, but Obama makes no effort to even pretend he cares about them. He’s fixated on “millionaires and billionaires.” He’s concerned that Muslims not be offended. He’s offering four more years of the worst economic conditions Americans have endured since the Great Depression.
Poor Obama, he can’t blame his failures on George W. Bush any more.
© Alan Caruba, 2012

The Shemie

The Shemie on Shark Tank

Season 4 - Episode 407

Wilder in a shemie

 Shelton Wilder a personal stylist, was asking for $60k for a 20% stake in her company valuing it at $300k. Wilder sure knows how to make an introduction into the Shark Tank along with two other models. If you got it (the Shemie of course) then why not flaunt it. Wilder was wildly excited about showing the Sharks her new modern line of slips which she fashionably named the Shemie (pronounced "Shim-ie"). These are not your grandma's slips, no -no- no, these are much more hipper and stylish for the modern day girl.
 Wilder claims she has a verbal agreement with Nordstroms to carry her line in some of their stores. She says she has only been in business for 6 weeks? 6 weeks? How did she get on the Shark Tank so fast? Sheldon also says she has 10 stores with "soft orders". Kevin O'Leary likes Wilder and doesn't want to tear into her (imagine that, O'Leary holding back) but wants an answer as to why her 6 week old company with zero sales is already worth $300k. She tries to convince the Sharks that she is a hustler and will make the Shemie a success.

Lori Greiner senses that something is not adding up and asks again if she sold ANY Shemies at all. Wilder almost doesn't seem to want to talk about it and says "we'll I  recently sold a similar product that I worked with before. The Sharks pick up on there is more to this then meets the eye. She tells them she was in another company with her Best Friend and sold $150k in 18 months. Now that doesn't sound like no sales to me. Robert Herjevic tells her to stop and re-boot. Wilder explains they had to shut it down and she was trying to start a new business with a new brand and a similar product. Thus, no sales for The Shemie yet. From the sounds of it Shelton and her Best Friend may of been celebrating a little too much from their new business success.
Shemie now on Kickstarter
Wilder is cornered by the Sharks when she finally comes out and says that there had indeed been another similar business started by herself and a friend that eventually went bankrupt from partying too much. It starts getting a little emotional and Shelton came across very sincere. Lori congratulates her on getting started down a better path and tells her She is Going To Make It BIG. All the Sharks graciously all go out mainly because she valued her company way too high for starting all over with a brand new Brand.

No doubt Shelton Wilder will take this Shark Tank experience all the way to the bank and make The Shemie (or any project she is passionate about) into a Huge Success. She clearly has the drive and determination to Make It To The Top!

UPDATE:

Shelton Wilder has wasted no time in taking Greiners advise and has launched a Kickstarter campaign to coincide with the airing of the shark Tank Show. Not surprisingly She has already raised over $12k since last night on pre-orders for The Shemie undergarments. Wilder has set a goal of $29k to kick start her business. You can Buy A Shemie Here at her Kickstarter page and help make her dream a Reality.

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Shelton Wilder's Website
Shelton Wilder on Facebook
Follow The Shemie on Twitter

The Shemie Update: 

Congratulations Sheldon on your Successful Kickstarter Campaign!!!
She ended up with over $32,000.00 to kick start Her Business.

Cool Treats For Dogs

The Bear & The Rat - Cool Treats For Dogs

On Shark Tank Show Episode #407

 The Bear & The Rat is exactly that, a frozen ice cream treat to spoil your dog. Matt & Meg Meyer are proud owners of two dogs. One Dog's name is Bear and the little one is Rat. Combine the two and you have an unforgettable name of their new product.

   Matt & Meg Meyer came into The Shark Tank looking for $125k for a 20% stake in the cool treats valuing their business at $625k. Everyone knows those Sharks do not like high valuations unless you have a lot to back it up. It's a mistake many entrepreneurs have made in past episodes, and yet it still seems to happen again and again on almost every show. The Sharks not only bring the much needed capital to the table but more importantly they bring the contacts and the ability to get your idea/product to the masses in record time. Some contestants IMO would be way better off just to ask for a dollar for a piece of the company just to get the Sharks into the deal.
Read More Here-->>>

Getting On The Pet Health Insurance Wagon: Does Being Insured Equal Being Covered?

To get a pet health insurance or not to get pet health insurance, that is the question. 

It's been a dilemma for us for a very long time. The main reason? We don't like insurance companies and we don't trust them.


Insurance companies are not charity organizations.

They are businesses; they are in it to make money. And as they say in Vegas, “the house always wins.” So why would anybody ever pay for any insurance?

We were struggling with this dilemma when we got Jasmine.

We asked her vet at the time what the cost of some common mishaps and accidents could be. We then decided, that instead of paying insurance, we would put an equal amount into a savings account instead. Made perfect sense to us and it is an advice you'll often hear.

It was the advice we got from Jasmine's chiropractor when we mentioned we were considering getting pet health insurance for JD.

Logical, isn't it?

We had five thousand dollars put aside in a dedicated savings account for Jasmine's unexpected vet bills and we felt very good about it.

And then Jasmine injured her knee. Then a mass was found in her abdomen. Then she busted her other knee. Then she ended up spending a week in the ICU at the teaching hospital after her drug-induced hyperthermia …

Over sixty five thousand dollars of veterinary bills later (and that's just for the past four years) the five thousand dollars, we'd originally saved, turned out to be about as good a spit in the ocean.

Here is the question, though, how much of that would have actually been covered and paid had we had an insurance?

Jasmine's acupuncture vet adopted a dog who ended up with back-to-back health issues, similar to Jasmine. She did have an insurance. Guess what? After a number of claims, the insurance cut her off.

Getting pet health insurance is one thing. But what does it cover, how much does it pay up, and under what conditions? 

Does one actually need to get a lawyer in order to figure out all the different policies and conditions in order to get an insurance that will do them any good?

With Jasmine, it is what it is. But what about JD?


JD might of course remain perfectly healthy for his entire life. Not all dogs get sick and keep on getting sick. But short of having a crystal ball, there is no telling what might happen.

Every time I watch JD throw up bunch of wood chunks, run after a squirrel without any regard for the terrain and obstacles, or simply run into things expecting them to get out of the way, I get covered in cold sweat.

We don't have any more money or credit to draw from!

Frankly, we don't even have any extra money to spend on an insurance. Jasmine is an ongoing project and expense.

We discussed this over and over, time and time again. We looked at different policies from different pet health insurance companies. We looked at the premiums and the conditions. And we kept procrastinating. Stories we heard did very little to encourage us.

With JD, I mostly worry about intestinal obstruction, intestinal perforation, broken limbs, busted knees, bloat …

Many companies offer insurance at reasonable rates. But when you look at the policies, you'll find that the policy might cover only say up to $2,500 per accident/illness/year.

Well, that is all fine and dandy, but how much of veterinary care does that really buy?
  • Jasmine's hospitalization after her drug-induced hyperthermia, and to remove an abdominal abscess –   $13,000
  • Lilly's severe adverse reaction to a rabies vaccine – $16,000 (or more, I don't know the exact number; the insurance covered something around $3,500)
  • Ella's hospitalization and surgery after ingesting a string – $7,000
  • Diagnostics and treatment/surgery of cruciate ligament injury – $5,000
  • Ella's syringomyelia diagnostics and treatment – $10,000 plus
  • Cancer diagnostics and treatment – $10,000 - $20,000 plus
  • IVDD diagnostics and surgery – $8,000 plus

And for all that you'd get $2,500 minus your deductible. So that is not very helpful, is it?

A friend of mine had a coverage that included stem cell therapy. Awesome, right? So they did the treatment and the insurance paid. $150. (Stem cell therapy comes to $2,500 plus, depending on where you have it done) Their policy covered stem cell treatment but had a maximum of $150 for arthritis treatment per year! That wouldn't even cover the cost of NSAIDs!

Makes you wanna run out and get one [pet health insurance], doesn't it?

Some plans out there offer coverage up to $5,000 per accident/illness/year. That's better, but apart from the knee injury, doesn't really cover any real disasters either, does it?

If we were going to pay for an insurance, we wanted to be covered no matter what happens. You can't tell your dog to get hurt/sick only within the coverage you happen to have.

Our sentiment in that regard was clear. We're not going to waste our money on insurance just to get a consolation prize.

Then we found an insurance who has a premium plan that offers unlimited coverage per accident or illness. Sounds good, right? They even cover  things such as annual check-ups and dental cleaning. HOWEVER—and there always seems to be a however—they pay out only up to 80% of the actual cost (minus the deductible, of course). AND if you make too many claims they can lower it all the way down to 50%!

No wonder we kept abandoning the idea of getting pet health insurance.

Not to mention all the things that don't get covered anyways, such as pre-existing conditions, hereditary conditions ...

Is there actually ANY way to get insured AND covered?

On the other hand, as healthy as he is, JD is a disaster waiting to happen...

The most no-nonsense plan we could find is with Trupanion.


The core policy covers
  • Accidents
  • Illnesses
  • Hereditary conditions (other than hip dysplasia)
  • Congenital conditions
  • Diagnostic tests
  • Surgeries
  • Medications
  • Hospital stays
  • Veterinary supplements

There is no lifetime limit per claim, per incident, or per year and no lifetime payout limit. It pays 90% of the cost (minus deductible). It seems simple and sweet.

So JD is now officially a Trupanion insuree.

He is now insured—and, hopefully—covered. If we get disappointed, you'll hear about it.

Do you have a pet health insurance? Do you have misgivings with pet health insurance?

Friday, October 26, 2012

Triple Crown Leadership by Bob Vanourek & Bob Vanourek - Book review


Triple Crown Leadership

Building Excellent, Ethical, and Enduring Organizations


By: Bob Vanourek, Gregg Vanourek

Published: June 19, 2012
Format: Hardcover, 272 pages
ISBN-10: 0071791507
ISBN-13: 978-0071791502
Publisher: McGraw Hill












"The central message of this book is that leaders should commit to the overriding aim of building excellent, ethical, and enduring organizations", write retired major corporation CEO Bob Vanourek; and educator at the Stockholm School of Entrepreneurship and the Royal Institute of Technology, Gregg Vanourek, in their leadership and organization transforming book Triple Crown Leadership: Building Excellent, Ethical, and Enduring Organizations. The authors describe a fresh approach to leadership and corporate actions based on the principles of excellence, ethics, and endurance that boost performance, engagement, and impact.


Bob Vanourek (photo left) and Gregg Vanourek recognize that that the recent corporate scandals, debacles, and global financial crisis had their roots in a failed leadership model. The authors see history as repeating itself, as the lessons have only been partially learned by the current leadership teams. The authors remain confident that dramatic changes in that failed leadership business model will take place very soon.

In anticipation of the realization in the corporate boardrooms that a new leadership model is essential to the very survival of their organizations, the authors examine the form of that new leadership paradigm. Through the three principles of excellence, ethics, and endurance, which the authors call triple crown leadership, leadership will be transformed propelling their companies forward to new heights.


Gregg Vanourek (photo left) and Bob Vanourek understand that poor leadership, dysfunctional company cultures, a lack of ethic or sustainability, and continual scandals not only destroy the organization but the lives of people as well. The authors have seen great leadership in action as well, and attest to its energizing and life changing power. The authors have the expressed purpose of transforming leadership from the outmoded style to a new and vibrant model based on their three pillars.

The authors utilize horse racing metaphor as the basis for describing and establishing their life and organization changing leadership model. They present the process, in the book, as follows:

* The Triple Crown quest: Excellent, ethical, and enduring
* Head and heart: New approaches to people and their development
* The colors: Leaders employ the purpose, values, and mission
* Steel and velvet: Judgement of when to use hard or soft leadership edges
* Stewards: Empowered teams and group performance
* Alignment: Aligning the organization to the Triple Crown quest
* Breakdowns: Why some organizations fail in the quest
* Turnarounds: Using the quest pillars to rebuild a company
* Startups: Adjustments needed for these unique challenges
* Social impact: Impact on all stakeholders, communities, and the world
* Snapshots: How to assess progress

For me, the power of the book is how Bob Vanourek and Gregg Vanourek combine their theoretical framework for a new leadership model with the strategies and techniques for establishing the fresh leadership principles. The authors present a comprehensive blueprint, based on their three crucial pillars of leadership, to rebuild and strengthen any organization. The rich insight offered by the authors, that the standard leadership model has led to failure, scandal, and disaster, gives the book resonance with readers who value ethics, excellence, and endurance.

Another insight shared in the book is how the new Triple Crown leadership model is more effective in every way, creating greater performance levels, more engaged employees, and a stronger bottom line. The authors bolster their case with in depth interviews with other business leaders who share their thoughts on the demise of the older paradigm, and the benefits of the Triple Crown quest.

I highly recommend the idea filled and engaging book Triple Crown Leadership: Building Excellent, Ethical, and Enduring Organizations by Bob Vanourek and Gregg Vanourek, to any organizational leaders, at any level, who are seeking a fresh and effective model of leadership to replace the proven failed existing model. This book will give heart to those who are convinced that ethics and values have a central place in the overall and sustainable success of any organization.

Scrub Daddy

Scrub Daddy on Shark Tank Show

Scratch Free Scrubber - Season 4 - Episode 403

 So how do you get the Sharks competing for your business. You invent a Scrub Daddy and continuously keep selling out on QVC three times in a row. Aaron Krause came into the Shark Tank looking for $100k for 10% of the business valuating it at a Cool Million Dollars. Sales in the first 4 months have already reached over $100k.
Shark Tank Success already had Lori Greiner pegged to make an offer on the Scratch Free ScrubDaddy as it seems a perfect fit to include in her line of products. They don't call Greiner the QVC Queen for nothing and she really wanted to add this product to her collection. We also expected another big blow up between Lori and her arch rival, Daymond John via their conversation on Twitter before the show ran. Right before the Shark Tank went to break, it was obvious
Read More Here-->>>

SBU Self Balancing Unicycle

SBU Shark Tank Success

3 different SBU self balancing unicycle
3 Designs of the SBU as Focus Designs Continues To Improve On The Self Balancing Unicycle

The SBU Unicycle has completely blown the Shark Tank Success Blog away. WOW- this super cool new toy/transportation has probably shut down FocusDesigns Website during The Shark Tank Show. Did I say WOW!!! Daniel Wood & David Martschinske are the owners and inventors of The Self Balancing Motorized Unicycle.

Are these SBU's cool or what?
 
Adam from Myth Busters on SBU
Even Adam from Myth Busters can lift a SBU
The best way to see this self balancing unicycle in action is on Focus Designs YouTube Page. There is a total of 20 videos that will keep you salivating until you can get your hands on one. The more I watch, the more I personally what one myself. Maybe even two. A SBU can go up to 10 miles on a single charge. There is no pedeling involved and the built-in sensors help you stay
Read More Here-->>>