Tuesday, March 30, 2010

What Obama's Health Care means to Small Business

As of 2014, you will be required to have health insurance, or face a financial penalty if you elect not to purchase coverage. Once the law goes into effect, you will be able to purchase coverage through a state exchange. How much you may save would depend on how much you earn. Individuals who earn more than about $43,000/year will be required to pay the full premium cost ($15,000 and up per person), as would couples who earn more than about $58,000/year. People earning below those amounts would be eligible for federal subsidies on both their premiums and out-of-pocket costs.

Under 27 years old? The new law lets you still be covered as a dependent on your parents’ healthcare plan.

Worried about a pre-existing condition? Group health plans and insurers will no longer be permitted to exclude coverage for preexisting conditions or place lifetime limits on coverage. Lifetime limits are prohibited effective six months from yesterday (date of enactment). Additionally, preexisting conditions exclusions will be eliminated for dependent children within six months of enactment and must be completely eliminated by 2014.

Insurance companies will not be able to deny you coverage, nor will they be able to disavow covering you or your family for a preexisting condition.

I’m a small business owner with no employees.

Sole proprietors or small businesses without full-time employees fall under the “self-employed” categorization above. The same rules apply – you must have coverage or pay a penalty for opting to go without.

I own a small business, and I have employees.

Businesses with fewer than 25 employees that pay an average of no more than $40,000/year will get a tax credit – up to 35 percent of the company’s share of their total health care premium – if they offer health coverage to their workers.

Companies with 26-49 workers are unaffected – no additional tax credit, but no penalties for not offering coverage.

The biggest change is that employers with more than 50 full-time equivalents (FTE’s) will be considered large employers.

Large employers will have to make available to all employees a minimum level of coverage or pay a per-employee penalty. Employers will not be required to provide coverage for part-time employees, but be aware that these workers may be counted as partial employees for purposes of determining whether an employer has 50 employees. The bill is still unclear as to how employees will be counted and what formula will be used, but it looks likely the number to be counted will be a baseline of total hours worked by all employees. For that reason, keep accurate time records.
If you offer coverage but employees are forced to purchase insurance through the state-based exchanges because the coverage you offer is not affordable, then you must pay separate fees relating to insufficient coverage options. This “Pay or Play” provision goes live in 2014 upon the creation of the state-based exchanges.

Both small businesses and individuals will have the choice of buying health insurance through state-based exchanges. The exchanges are expected to offer easy-to-understand competitive benefits at affordable prices. Depending on income and other factors, some small businesses and individuals may be eligible to receive credits toward the purchase of insurance through the exchanges.

Monday, March 29, 2010

The Finance Reform Bill is Horrid for Startups and Angel Investors

Have you been following the posts about Senator Dodd's Finance Reform bill?

Especially the two provisions that will seriously effect early stage investing and having all new companies file with the SEC.

The first attempts to move the criterion for being an accredited investor from someone with a net worth of $1M or greater, to having a net worth of $2.3M. "Hello? McFly?" Um, the economy goes down and the qualifications go up? That's Washington Brilliance right there! Isn't it obvious that this will seriously reduce the number of accredited investors and make seed capital more difficult for entrepreneurs to acquire?

Angels suffered the same net worth reductions back in 2008 both in terms of home value and cash on hand to invest with. I'm not a betting man, though I'd wager that this requirement would reduce the Angel ranks 35% to 50%.

The second proposed provision would require each company, seeking outside investors, to file with the Securities & Exchange Commission first or be required to potentially register with each state they will be raising capital in. This will add additional time and needless busy-work.

CEO Space helped it's members raise over $3 Billion last year, in just 5 meetings in 2009 when banks and venture capital sat on the sidelines with their hands in their pockets. The number would have been far less, in my opinion. Just last week, a tremendous amount of deal-flow was also put on the table in the first of 5 sessions this year.


Perhaps the most glaring - and most obvious question is, "What do these two provisions have to do with Banking Reform?" Another good question is, "Since there really doesn't seem to be a direct connection, why is Senator Dodd including is his Finance Reform Bill that allegedly is focused on keeping banks from taking the kinds of risks that got us in trouble in 2007 & 2008"? Is there really something else going on here? Is Senator laying the groundwork for what he will do after he is out of office? Is there some lobbying group that would like to see these provisions as law? I say, "Follow the Money trail on this one!

Of course, the Commodity Reform Act, unanimously passed during the waning minutes of the Clinton Administration was certainly a fishy one as well. Bernhard Dorhmann, of CEOSpace has pointed this out in his CD entitled, "What happened how can we

Has anyone explained to Dodd how important new business creation is to our long stability? More than 50% of all jobs in our country are attributed to Small Business. Is this the time to mess around with an area of economic development that stimulates job creation?

Perhaps Dodd should come forward and explain why he thinks these provisions are important and how they'll help our economy grow! I encourage you too, to write your Senators and Representative to see if they are brave enough to speak up, and - if you've same questions as I have, you should get your elected officials to do the same.


This bill in working it's way through the Senate. It is far from being passed. This is why it is so important to call attention to it and get these provisions thrown out early. Contact your Congressmen & Senator!

Tuesday, March 9, 2010


What if four days – just four days off work – virtually doubled your income in 2010?

...and you made a cash on cash profit to own a lifetime membership to assure you INSURE that you WILL double your income in 2010


As yourself this: HOW Can I free up just this four day period to MAKE A FOTURNE? The answer is that you can do it in a little “over two weeks” from today so that making that personal FORTUNE becomes real for you – so real you won’t fail to invest in get those results – results.

is going to prove to you before you get involved are real but require effort on your part to acquire. Will you spend a bit of time on the proof as a first step?

Lead yourself to one of our online videos by clicking here:
- and then schedule a coaching call and I will show you the best decision you will have ever made for your business. I can even help you find a specific video from someone in your business, amongst our library of over 2000 hours of testimonials.

Just four days off site and during those 4 days you will get a 90 minute break every 90 minutes, to make phone calls, check emails, clear voicemail. Did you follow that? You will take a break, every 90 minutes, where you can work on your business for 90 minutes... then it's back to growing your business.


• New Plans to Build Recovery Momentum impossible without training upgrades
• New Contacts – largest world market ever produced by CEO SPACE
• New Customers for any size business
• New Alliances to feed you business for years
• New Teams that stay with you
• New marketing and brand plans for 2010
• New fresh ideas with world class help in your field
• Problem-solving with more experts on site than ever
• Accelerated Results
• Systems enlarge to accommodate new growth
• New education that changes performance (your own)
• Tune up for YOU tune up for your business
• Empower much more exciting 2010 Business results
• Living more inside a cooperative business community all year
• Teen lives changed for teens in family group
• Contacts to Celebrity hosts like Dr. Dawn Bain Bob Circosta and Shark Tank’s Kevin Harrington
• Using all five trade shows this year to THRIVE
• Tax write off’s that create profits
• Lifetime Members is an asset of the business
• Can’t afford not to be at CEO SPACE



-Running 2010 on old out dated software for another economic time
-Leaving your life time membership benefit idle, no new vital 2010 contacts
-Miss the new Customers on site all provinces and states North America
-No New Alliances
-No New Teams in First Quarter of 2010
-No fresh marketing or brand plans in 2010
-No Help no new ideas in March
-Problems not solved with more minds over money this March
-Limited Results
-No new system planning set into play
-Operating on old training and old predictable results
-Old soiled spark plugs and clogged air filters in 2010
-Lose options and opportunities – so easy to acquire by setting new priorities

-Living inside a more dog eat dog competitive community all year
-Teen lives unchanged in family group
-No New Celebrity connections
-Loosing all five trades shows this year slowing down growth raising cost
-Pay higher taxes and miss new profits
-Lifetime Membership is unused and wasted
-Use excuses to suggest I can’t afford time and resources to go



Why delay? TAKE ACTION TODAY .... (okay, so that's a cute rhyme so instead of today, why not take action now!

Dave Phillipson
CEO Space

Monday, March 1, 2010

The American (Business) Revolution

545 vs.. 300,000,000

By Charlie Reese – lifetime journalist

Politicians are the only people in the world 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 have deficits?

Have you ever wondered, if all the politicians are against inflation and high taxes, WHY do we have inflation and high taxes?

You and I don't propose a federal budget. The president does.

You and I don't have the Constitutional authority to vote on appropriations. The House of Representatives does.

You and I don't write the tax code, Congress does.

You and I don't set fiscal policy, Congress does.

You and I don't control monetary policy, the Federal Reserve Bank does.

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, and individually responsible for the domestic problems that plague this country.

I excluded the members of the Federal Reserve Board because that problem was created by the Congress.. In 1913, Congress delegated its Constitutional duty to provide a sound currency to a federally chartered, but private, central bank.

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'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's responsibility to determine how he votes.

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.
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 deficits.. The president can only propose a budget. He cannot force the Congress to accept it.

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. Who is the speaker of the House? Nancy Pelosi. She is the leader of the majority party.. She and fellow House members, not the president, can approve any budget they want. If the president vetoes it, they can pass it over his veto if they agree to.

It seems inconceivable to me that a nation of 300 million cannot replace 545 people who stand convicted -- by present facts -- of incompetence and irresponsibility. I can'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 government, then it must follow that what exists is what they want to exist.

If the tax code is unfair, it's because they want it unfair.

If the budget is in the red, it's because they want it in the red ..

If the Army & Marines are in IRAQ , it's because they want them in IRAQ

If they do not receive social security but are on an elite retirement plan not available to the people, it's because they want it that way.

There are no insoluble government problems..

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. Above all, do not let them con you into the belief that there exists disembodied mystical forces like "the economy," "inflation," or "politics" that prevent them from doing what they take an oath to do.

Those 545 people, and they alone, are responsible.

They, and they alone, have the power.

They, and they alone, should be held accountable by the people who are their bosses.

Provided the voters have the gumption to manage their own employees.

We should vote all of them out of office and clean up their mess!

Charlie Reese is a former columnist of the Orlando Sentinel Newspaper.

The American Revolution is simple – NEVER ELECT AN INCUMBANT and you will return and restore your nation and its freedoms – elect candidates that run on two platforms –ROLL BACK FREEDOM and COOPERATIVE VERSUS COMPETITIVE CAPITALISM:

Tax his land,
Tax his bed,
Tax the table
At which he's fed.

Tax his tractor,
Tax his mule,
Teach him taxes
Are the rule.

Tax his work,
Tax his pay,
He works for peanuts
Tax his cow,
Tax his goat,
Tax his pants,
Tax his coat.
Tax his ties,
Tax his shirt,
Tax his work,
Tax his dirt.

Tax his tobacco,
Tax his drink,
Tax him if he
Tries to think.

Tax his cigars,
Tax his beers,
If he cries
Tax his tears.

Tax his car,
Tax his gas,
Find other ways
To tax his ass.

Tax all he has
Then let him know
That you won't be done
Till he has no dough.

When he screams and hollers;
Then tax him some more,
Tax him till
He's good and sore.
Then tax his coffin,
Tax his grave,
Tax the sod in
Which he's laid.

Put these words
Upon his tomb,
Taxes drove me
to my doom...'

When he's gone,
Do not relax,
It's time to apply
The inheritance tax.
Accounts Receivable Tax
Building Permit Tax
CDL license Tax
Cigarette Tax
Corporate Income Tax
Dog License Tax
Excise Taxes
Federal Income Tax
Federal Unemployment Tax (FUTA)
Fishing License Tax
Food License Tax
Fuel Permit Tax
Gasoline Tax (currently 44.75 cents per gallon)
Gross Receipts Tax
Hunting License Tax
Inheritance Tax
Inventory Tax
IRS Interest Charges IRS Penalties (tax on top of tax)
Liquor Tax
Luxury Taxes
Marriage License Tax
Medicare Tax
Personal Property Tax
Property Tax
Real Estate Tax
Service Charge Tax
Social Security Tax
Road Usage Tax
Sales Tax
Recreational Vehicle Tax
School Tax
State Income Tax
State Unemployment Tax (SUTA)
Telephone Federal Excise Tax
Telephone Federal Universal Service Fee Tax
Telephone Federal, State and Local Surcharge Taxes
Telephone Minimum Usage Surcharge Tax
Telephone Recurring and Non-recurring Charges Tax
Telephone State and Local Tax
Telephone Usage Charge Tax
Utility Taxes
Vehicle License Registration Tax
Vehicle Sales Tax
Watercraft Registration Tax
Well Permit Tax
Workers Compensation Tax

Not one of these taxes existed 100 years ago, and our nation was the most prosperous in the world.

We had absolutely no national debt, had the largest middle class in the world, and

Mom stayed home to raise the kids.

What happened? Can you spell 'politicians?'

And I still have to 'press 1' for English!?

VOTE – competitive capitalism is what we now have – cooperative capitalism is what we wish to bring back – totally reportable and transparent and with zero secrets….

CEOSpace to re-invent America

Details throughout this blog. See more links here -------------------->