Leverage or Lifestyle

Notorious for bragging about their lifestyle are the Montana ranchers — while they use the leverage of debt as a crutch to hobble down to oblivion.

There is a better way.

Million or Penny a Day?

What would you rather have — a million dollars, today, or a penny doubled for a month?

A Penny Doubled

Your answer will be an academic letter grade of your comprehension of the magical concept of “compounding” — either a grade of A (passing) or F (failing). The good news, today, is you’ve discovered this presentation — and can save (literally) yourself millions of dollars in Interest (expense).

You can enjoy fancy trips with your Family — rather than financing those vacations for your neighborhood Banker.

I hope you said, “Give me that penny doubled for thirty-one days.” Because that answer is worth an additional amount of $9,737,418.24.

“How can that be?!” you ask.

“Compounding,” I reply.

Now, that you know the most important aspect of this financial principle, “What will you do?”

Good Debt & Bad Debt

Okay, this is a little like Good Cop — Bad Cop. Insomuch that we can only really appreciate the good after experiencing the bad. Odds are good that everyone has done “it” in our Twenty’s — enjoyed using a Credit Card until the Bill came.

Then, we stared at that Total wondering, “How the heck can all those little amounts add up to such a big one?!” In the world of Finance, that big Total is known as the Principal.

Now, the fun begins (for the Bankers) — because for every dollar of Principal, from the beginning of that original thought, “I just can’t live without…” and a swipe of the plastic, Interest is calculated. The challenge then becomes, “How fast can we pay that Debt back?”

If the swipe of that Credit Card was to purchase something which made YOU more productive, that is Good Debt. If, however, you simply caved into fleshly desires and temptations, then, you have experienced Bad Debt.

And — all Debt is worse than Income Taxes. Interest accrues from the moment of indebtedness until payment is made. Year after year Bankers are like predators circling a carcass — they will demand their Interest be paid in good years and bad. We only pay Income Taxes in the good years.

History Lessons

Those who refuse to learn from History are forced to repeat it. That, my friends, is another Universal Principle — we will keep getting opportunities to learn until we understand the lesson inherent in the experience.

For an entire generation, we have been sold a Bill of Goods known widely as Quantitative Easing. That’s a fancy term for Free Money. And, oh how the Bankers have pushed that money at People. Maybe, even you. Did you take it? Because if you did, YOU need (and want) a Plan to get rid of that Debt.

Leverage or Lifestyle

“Why?!” you plaintively ask.

“Because I have vivid memories of a 19% interest rate in 1985,” is my reply.

The interest rate on Home mortgages for us twenty-somethings was 15%.

What’s the difference between 5% and 15%?

You’ll find it hard to believe — but, here’s the reality. And, I can explain it a couple different ways. First we’ll start with the Monthly payment on a modest house of $250,000 in today’s Billings, Montana, real estate market. Then, we’ll take a look at what Rates do to Prices.

The only two resources available to human kind are Time and Money. As we consider the investment of these resources, we also need to know Rate of return — Risk, or Reward. Before this current generation of “creative economics” and “funny money,” historically, interest Rates are a measurement of Risk. Does the phrase Credit Score come to mind?

Knowing the Principal, Term Certain, and Interest Rate we are ready to examine some Examples of a typical young couple in love — with their first house.

Examples

$250,000 at 5% for 20 years — Monthly Payment is $1,649.89. (CLICK)

$250,000 at 15% for 20 years — Monthly Payment is $3,291.97. (CLICK)

But, you exclaim, “We can only afford $1,649.89 per month!”

Okay, let’s see what that does to the Price of houses on the Market.

$125,296.40 at 15% for 20 years — Monthly Payment is $1,649.89. (CLICK)

So, if you have invested blood, sweat, and tears into Home ownership, then, be happy to live in your current home for many years, be ready to have a negative equity position for many years, or have a Plan to become debt free.

This societal notion of “free money” does not work — being “debt free” is a goal worthy of your Time and Money.

Bankers

I hope you noticed the total amount of Interest paid over the life of the loan for that $250,000 home, for a period of 20 years (please, review the last page of the Amortization Schedules).

$250,000 at 5% for 20 years — Interest paid by you is $145,973.60. (CLICK)

$250,000 at 15% for 20 years — Interest paid by you is $540,172.80. (CLICK)

Yes, that’s right — and we older kids did it — pay for that beautiful Home three times: once for Principal and twice for Interest.

Now, we made this better with 15-years of payments. $379,814.60 (CLICK)

Or, much worse (by advice of Bankers) with 30-years. $887,999.60 (CLICK)

So, it is possible to help ourselves and take fancy trips with our Families, to the tune of $160,358.20*, by paying $207.00** more per month.
[*$540,072.80 – 379,814.60 and **$3,498.97 – 3,291.97]

Or, if you are bound and determined to let a Banker do your thinking, you will pay an additional $347,826.80*, by “saving” $130.86 per month.
[*$887,999.60 – 540,172.80 and **$3,291.97 – 3,161.11]

I beg of you, please, “Do your own thinking!”

Help Yourself

When interest rates are 15%, the average Citizen cannot afford $250,000 houses. The price will come down to something in the neighborhood of $85,000 to $125,000.

Because this is another Universal Principle — there is an inverse relationship between Interest Rates and the Price of what Debt purchases.

The magical thing about numbers is they are proportional — 1/3 of $250,000 is $83,333.33 and a monthly payment of $1,097.32 [$3,291.97 / 3]. (CLICK)

Wherever you find yourself on the spectrum of debt, use these examples to make decisions, today, to help yourself in Building Your Dynamic Future.

Will interest rates go all the way back up to 15%?

I don’t know, for sure — but having lived through Mortgage rates of 15% and having paid Business loan rates of 19%, I’ll offer this, “They did it before — and it is possible for them (Bankers) to do it, again.”

In the “olden days” there were two purchase options to prevent people from becoming indebted: Savings and Layaway. Yes, it is possible to stay in vogue with societal trends by saving for the purchase of a consumable — or by placing the item out of sight and out of mind, with the Merchant, while making monthly payments (of Principal only) to acquire it.

Leverage

Debt is (AKA) also known as leverage.

Leverage or Lifestyle - Pry

The reason “why” is that debt will let us “pry” our way into deals bigger than what we are capable of doing on our own — from the Cash in our own back pocket.

Again, if we are using Good Debt for a good reason — to become more productive in life and business — then, we will create new wealth.

Remember, though, a debt must be paid back with after-tax dollars. For those in a 40% Income Tax Bracket, this means they pay back debt with 60 cent dollars.

In other words to pay back $1,000 of debt, they need to earn Wages or Profit of $1,666.67 [solution: $1,000 / .60] and they will pay $666.67 in Taxes [solution: $1,666.67 x .40] to, then, have $1,000 to pay back the Banker plus the market rate of interest (Prime + Banker Profit).

Debt is (via Bankers) a cruel taskmaster — you will be a slave to a Banker.

Lifestyle

Remember my story about the Montana ranchers?

For 35+ years, I’ve teased them about their lifestyle.

“I’m sure glad you didn’t waltz in here with your crowbar,” I’ll say.

Puzzled, perplexed, and border-line offended they respond with, “What do you mean?!”

“Well,” I’ll continue, “When you encounter a big rock at the bottom of a posthole, you go to the toolshed and get the crowbar. You leverage the rock out of the hole and, then, put the crowbar back where it belongs — away in the toolshed.”

“Why, then, do you believe living in constant fear of having all your stuff repossessed is good for you?”

I have yet to receive a positive answer to that question. I’ve listened to them swear a blue streak of profanity — at me and the world. But, there have been very few Debtors change their beliefs and actions.

Sad, because I’ve watched good people lose farms, ranches, and mainstreet businesses — simply because they refused to hear and use Common Sense.

If you want a new, debt-free, lifestyle, contact me and we’ll take the steps forward to building a bright dynamic future for YOU — and your Family.

Fix Thoughts

How important is it for us to find a way to fix Thoughts?

There is a battle raging for our souls and it is life-altering to acknowledge that our thoughts are the only thing within our control.

We cannot change the political climate, celebrity morals, Mother Nature, Father Time — or, even, your neighbor’s yapping dog.

Yet, we can be the Captain of Destiny — as we create a future of our choice.

All We Do Begins With A Thought

Reverse Genius

Genius is taking the complex and making it simple — which, then, means Stupidity is taking the simple and making it complex.

There are moments, as we stare in disbelief at the absurd, when we ask, “What the flaming heck were they thinking?!”

The problem is just that, “They probably weren’t thinking.” And, that, my friends, is why we find ourselves in the Danger Zone. The majority of civilization in any society, at any time, are not thinking. They are, simply, going with the flow — of what propagandists want them to say and do.

On the other hand, the real geniuses have always been considered crazy — for going where angels fear to tread. Because they push against what the majority consider normal (generally, the lowest common denominator), the innovators of the world happily bear the ridicule of the masses.

Fix Your Thoughts

Now, you’re thinking, “Did he slip a cog. What’s up with this notion of happily bear ridicule?!”

Happy are the people who understand this secret.

Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise.

WTF Thoughts - Anyway

If goodness is out of vogue, happy people don’t care. What they do CARE about is truth, honor, righteousness, purity, love, and admiration for the 100% accuracy of Karma delivering what is earned.

By thinking about excellence and praiseworthy topics, happy people create their own destiny. With words, it is impossible to capture this principle, which is more magical than logical.

YOU must experience it through your actions.

All We Do Begins With A Thought

Paradoxical Commandments

Some things are better explained by the experts. In keeping with the concept Less Is More, I’ll direct you to Dr. Kent M. Keith.

People are illogical, unreasonable, and self-centered.
Love them anyway.
If you do good, people will accuse you of selfish ulterior motives.
Do good anyway.
If you are successful, you will win false friends and true enemies.
Succeed anyway.
The good you do today will be forgotten tomorrow.
Do good anyway.
Honesty and frankness make you vulnerable.
Be honest and frank anyway.
The biggest men and women with the biggest ideas can be shot down by the smallest men and women with the smallest minds.
Think big anyway.
People favor underdogs but follow only top dogs.
Fight for a few underdogs anyway.
What you spend years building may be destroyed overnight.
Build anyway.
People really need help but may attack you if you do help them.
Help people anyway.
Give the world the best you have and you’ll get kicked in the teeth.
Give the world the best you have anyway.

Love Your Enemies

Yes, when reminded to do this, I tend to balk, too. However, recently, I read the Rest of the Story to realize, “We’re not alone in our daily effort to fix — what is broken.”

When someone with the Power to heal the deformed is condemned by the local yokels, then, we find ourselves in extraordinarily great company.

He looked around at them one by one and then said to the man, “Hold out your hand.” So the man held out his hand, and it was restored! At this, His enemies were wild with rage and began to discuss what to do with him.

Short version of the story is they killed Him.

But before they did, our Hero had this to say, “To you who are willing to listen, I say, love your enemies! Do good to those who hate you. Bless those who curse you. Pray for those who hurt you.”

WTF Thoughts - Think Differently

That is the way to fix Thoughts.

Do we change the character of our enemies, the haters, the vulgar, or the abusers? Simple answer: No.

Why, then, are we encouraged to Do It?

Because it is tonic for our Thoughts.

Into The Unknown

We don’t know what we don’t know. Or, in other words, how do we navigate a course never before traveled? Simple answer: Faith.

In leaving the shores of the old behind, we embrace the horizons of new beginnings. We sail forth by changing the way we think.

Whatever the mind can Conceive and Believe, it can Achieve.

Will we make “mistakes” that will be harshly judged by the naysayers as a representation of our foolishness? Of course! That is the exciting element of this great adventure into the unknown — we will grow, while the rest of the world stagnates in their comfortable rut (grave with the ends kicked out).

What is LOVE, anyway?

This definition works for me.

The greatest gift is a chosen, purposeful effort — often done in the face of fear — to nurture our own growth and the growth of others.

Love can also be measured by seven attributes.

LOVE
Is patient,
Is kind,
Rejoices with the truth,
Always protects,
Always trusts,
Always hopes,
Always perseveres.

As you might have noticed, Love is a verb — framed as a gift and delivered by action. Which means we must grow in stature, resources, and wisdom to have something to offer others.

The more we learn, the more we know;
The more we know, the more we sow;
The more we sow, the more we grow.

Isn’t life grand?!

Opportunity To Create

Designed for greatness, engineered for success, and motivated by goodness as Captains of Destiny, we are courageously heading into uncharted waters to serve the multitudes.

Simply, we have been offered the opportunity, by a Creator, to create.

I know you’ve had the experience of a HUG.

On occasion, you have served another person — who, with their eyes, expressed a newfound Hope, Understanding, and Gratitude (HUG) of life, once again.

YOU did that for them.

That is the way to fix Thoughts!

Begin With YOU

Everything — Begins With YOU

My mission is to guide YOU to personal and business success, according to the vision that YOU establish for us.

I coach intensely passionate individuals, who want personal and business success.

That’s my Storyline; start with nothing and Build Something — Special. And — I know, for a fact, we all have a Story to share.

Success is not going to magically waltz into our lives — and, it is not a destination, at which to arrive. Daily, we must create success — the unique version each of us has determined to be right — for the benefit of ourselves and the rest of the universe.

Steps To Success

Stories can inspire you to take a flying leap of faith to make lifestyle changes — or, take action, the concept of which can be encapsulated in a single word: Commitment.

After you’ve decided to go All In — then, baby steps are required to move from Here to There.

If you set expectations about the entire Journey, you will give up before even beginning. So — the Secret is to take one Step at a time. Focus on that one Step and then another becomes visible — and, you will know exactly how to take that Step. And, the next. And, the next

Go as far as you can See — then, you’ll be able to see farther.

The purpose of this presentation is to shine a light on your Path — and, to offer hope on your Journey.

Three-E Formula

My energy and efforts are focused on your success. If you are ready for a change, I can help — by gently teasing YOU into considering the power of the Three E’s.

Enlighten

Individually, our worldview is limited by our education, experiences, and resources. My role as A Business Coach is to broaden your horizons with Stories that shine a light on the path you have chosen — so, you can act on your new aspirations.

Empower

Beyond the sage talk, I will provide opportunities for you to learn by accomplishment. Teaching is an honorable profession. I will make sure the right tools are in your hands – and, that you have the knowledge, understanding, and wisdom to use them properly.

Encourage

The 5-Step Teaching Model can be described as Explanation, Demonstration, Imitation, Correction, and Repetition. With each and every Step to Success, you will be tempted to quit. Until you run me out of your Life, I will continue to ask that you believe in YOU — the I AM.

People Over Process (POP)

Here’s the secret — always, keep People over Process. Think about it. Process is designed for efficiency. People are created for growth. As soon as an individual grows, the process no longer fits the occasion. The rules must change to reflect the new person.

The ABC’s Of Success

Our minds are designed to think and remember by 3 — in fact, the principle is known as the Magic of Three. The simplest way to maintain focus is to use the magic of these three words — Attitude, Boundaries, and Commitment.

Attitude

An intensely passionate desire to Build Something — Special.

Boundaries

Well defined beliefs and able to communicate effectively.

Commitment

Able and Willing to go All In — to do whatever IT takes to Succeed.

Begin With YOU

Whatever the mind can Conceive, it can Believe and Achieve. This is about more than “Positive Thinking” — this is about belief in doing the impossible. If YOU have the Want To, you will be able to Do It.

Each of us determines our, individual, definition of Success. Even though success is much more than the accumulation of material riches, money is important. Those who say otherwise will lie about other things, too.

After 35+ years as a CPA, there are many financial principles and secrets that I want to share with YOU.

If you’re an entrepreneur starting a business, my methods can help YOU be successful from day one. If you’ve been in business for several years and are tired of working for nothing, I can listen, observe, and then guide you to the goals important to YOU — and, your Family.

I believe in the wisdom, “Customers only care about how much you know — after they know how much you care.” The purpose of this presentation is to express a high degree of caring — by, sharing the very best with you.

You’ve discovered A Business Coach — who passionately cares about YOU.

Pet Dragon

The Stuff of Fairy Tales

Well, I did it again.

After listening to the fears, concerns, and apprehensions of a woman whining about the dangers before her, I rode in on my white horse – with sword in hand – and stuck that fire-breathing beast. He tipped right over into a heap of problem solved.

And, then, oh, wow! — the ship hit the sand.

Come to find out, that was her Pet Dragon.

Once upon a time…

My Proposal

I’ve been thinking.

Rather than I charge you a Price for Value — how ’bout we just exchange Value.

On the horizon, I can see opportunities requiring more of a Process focus: QuickBooks, Bill.com, TSheets, Applications (etc.) — worthy Projects for which I do not want the responsibility.

And, if you have opportunities for People coaching, consulting, etc. for whom you might want help — I am interested in assisting YOU. (Because my new focus and purpose is: POP)

So, as Time marches forward, maybe, we can be available Resources — for each other.

In the interim, we can connect remotely and set the parameters for a mutually beneficial professional relationship.

What are your Thoughts?

Her Response (Word-for-Word, I Kid You Not)

Hey Kim

I think I would like to pay you for your services – at least initially until we get better acquainted with our skill sets and what we desire to do. I am just getting my feet back under me this week – having been out all week last week. But I’ve been thinking about our conversation and how we might work together. I feel like I don’t have many answers in that regard. Would a standing Thursday 9 a.m., 1-2 hour meeting work for you? I’m thinking every other week as opposed to every week and if that were the case, probably 2 hours would be better than one. That being said, I could do this Thursday but not next. Then if I just get it on the calendar, I should be able to make that work.

Do you think you could guide me through working on value pricing/niche development within my business and learning to focus on the types of things you focus on, i.e., helping people get what they want, POP, value as opposed to compliance work? I’m asking if you feel this is skill set you have an could help me work on modeling my business more appropriately. If you feel this is a conflict – as we’re trying to “work in the same space” – I totally can understand that. However, I think there is enough work to go around – but appreciate your thoughts as well.

I have expertise on the QuickBooks side and integrations, etc., for sure and don’t know that I want to give that up. Maybe that’s where my niche is to focus. Maybe Carla Caldwell – gal I told you about who does what I’m asking you to do – is my coach, but you help guide me through organizing all this. I’m sort of lost when I think about all of it.

You asked me to price the service you’d provide. I will be brave and throw out a number. I was thinking $200 for a 2 hour session is too low and $400 seems to high. Maybe we’re in the middle at $300 for each 1-2 hour session? Not committing to 2 full hours – just what we need that time to get our work done?

Thanks Kim. Talk to you soon!

Silly Me

Excellent!

Yes — I accept your Proposal.

This is my Understanding:
• You will pay for my Coaching and Consulting Services.
• We will connect every-other Thursday, at 9:00 AM, for no more than 2 Hours.
• We will begin each remote Coaching and Consulting Session with your Thoughts and Questions.
• My focus will be on sharing concepts relative to Value Pricing, Psychology of Coaching, and Practical Application to Your Niche.
• We are not Competitors — We will Complement one another.
• After all, it is impossible to be competitors — because, we are unique Artists and one-of-a-kind Value Creators.
• For those individuals seeking QuickBooks type processes, with accompanying App integrations, I will provide an introduction to You.
• I will establish a Google Drive portal for the sharing of Resources — which will assist in keeping us Organized.
• I will prepare — and, submit for your approval — a Contract for Coaching and Consulting Services.
• Acceptance of the Coaching and Consulting Contract will be accomplished by the payment of a $100 ‘Commitment’ Fee.
• The fee for my Coaching and Consulting Services will be $300 per Session.

To prepare for our first remote Session, tomorrow, Thursday, August 9th, at 9:00 AM, I suggest the following:
• Read the article: I AM — do the exercise of finishing the I am… Statement — and, be ready to Share with me.
• From your Thoughts and Questions list, pick one item of greatest importance to You — and, be ready to Share with me.
• To select that first item, You might find it beneficial to choose an issue, which you know will ‘feel good’ — as you take the First Step toward your desired Goals.

Acceptance of the Coaching and Consulting Contract will be accomplished by making an Online Payment from the QBO Invoice that I will transmit to You.

If any questions, or concerns, please, contact me immediately.

Seen One — Seen ’em All

We’ve all seen a Contract. Every professional has their boilerplate version. I had to revamp my four pages to fit the parameters of a $300 Coaching Session. I will confess, this whole episode was beginning to feel odd. I was going along to get along. Yet, the intent was pure — this was a ‘friend’ whom I wanted to help.

As the reader of this comedic drama, all of your warning bells, sirens, and whistles are probably going off right about now. Me, at this point, I’m still clueless.

Except, I took great care to make the money part of the Contact crystal clear.

YOU are committing to pay SAGETALK

a one time non-refundable sum of $100 + payments of $300
per 2-Hour Sessions for access to – and use of – the SAGETALK Program.
The first $300 payment will be due upon receipt by YOU of a QBO Invoice.

Yes, I know, “Communication is what the listener does.” But, I had given this my best effort.

Session Number 1

We had fun!

Two hours of non-stop banter, questions, stories, teasing — and, otherwise good-natured fun. Or, anyways, as much FUN as two CPAs can muster.

And, yes, we did a LOT of great work, too.

Confusion

Prior to our first session, the Contract and Invoice for $100 (the Commitment fee) had been emailed and Payment received. As promised, after the Session, I emailed a QuickBooks Online invoice for $300.

This was her response (Word-for-Word, I Kid You Not):

Hi Kim
I paid this. I didn’t realize that the $100 was over and above the $300 per session. I thought the $100 was just an I’m serious about this and want to get started. I thought this invoice might be for $200. Thoughts are appreciated. Thank you. (Maybe I didn’t read well enough!)

Maybe

Those people, who refuse to make a decision, end up high-centering on the fork-in-the-road. Look at the word closer: ma-Y-be.

See the fork-in-the-road? The people who are fond of maybe are reluctant to choose — left, or right, at Oak Street.

To encourage us, always, to make a decision, look at ma-Y-be, again.

Ma = Cry Baby
Be = A Creator
Y = Choose to Be

Lesson Learned

My original mistake was giving up on my sincere premise of giving to a Friend. At the moment money was involved — Price for Services — there was a business transaction and professional relationship.

Because of my first mistake, clearly defined expectations were impossible. As a result, there was no possibility, or probability, of success.

What begins twisted ends twisted.

I wanted to share with a Friend —and, a Client simply wanted a business transaction and professional relationship.

So, thank goodness for the Termination Clause:

SAGETALK may terminate this Agreement at any time in its discretion, upon notice to YOU. Paragraph 3.1. below shall survive termination of this Agreement, binding YOU to Confidentiality in perpetuity.

I immediately initiated an online transaction with Wells Fargo for the $400 to be refunded by Paper Check. I had failed to meet her expectations.

Our two hour Tango high-centered on the fork-in-the-road with my acquiescence to follow the lead of someone who does not understand Value Pricing. That’s why she suggested a relationship at the very beginning.

Value Pricing

She asked for an understanding of Value Pricing. For two hours I told her about the concept — yet, I have a process to show, anyone, how it’s done.

• I will deliver Results to exceed your Expectations by (at least) a factor of 3.
• Because I offer a money-back Guarantee, negotiation on Price is irrelevant.
• I will provide Value (x 3) to the level – and beyond – of whatever the chosen Price.
• You choose the Price, clearly define Objectives, and set expectations for Results.
• I will choose the Time, during which we will work Together.

Silly me, I more than bent my own rules — I broke them. There is a better way. I have designed three Steps to prequalify anyone wanting to do Business with me.

Pet Dragon Resolution

There are Questions in each of the three Steps (each more intense than the preceding) testing for Commitment (the exact opposite of her Pet Dragon: NO Commitment.

Why didn’t I lead her through these Steps?

Come to find out, I had a rascally Pet Dragon hiding in my own dang forest: People PLEASER.

He has been dispatched to Dragon heaven.

… and, everyone else lived happily forever, after.

Magic of Three

“The definition of genius is taking the complex and making it simple.”
― Albert Einstein

And… the best way to do that is by using the Magic of Three.

The blue hyperlink, above, is an excellent explanation of why this is true.

Automobile Univesity

On a road trip this weekend, the concept was reinforced in my mind. For many years, I’ve been enrolled in AU (Automobile University). Through the curriculum offered by Audible, extensive course selection is available on audiobooks.

As a business coach and consultant, I’m always interested in what thought leaders have to offer. So, I dutifully paid for the course Million Dollar Consulting, by Alan Weiss.

Magic of Three

What is the magic of 3?

Take a look at the left side of the number — 3 points, which form a pattern, which our mind can process and remember, easily. Two feels lacking, and four feels tedious. Test for yourself — choose three of anything and see how comfortable the relationship is.

As a CPA (Certified Public Accountant) for 35+ years, I’ve been guilty of sharing too much, too fast, and scaring the living bejeezus out of People. I’m still in the process of breaking that bad habit. However, I know for a fact, “Less is More.”

Complex To Simple

So, as I’m cruising the deserts of Wyoming this weekend, in my Ruby Red Ford F-150, the magic of three enchants me, once again. I discovered that a 6-hour and 21-minute audiobook can be condensed into three words.

Objective
Measure
Value

Now, to be clear, the rest of the book explains the importance of those three words. One of the reasons this book can be of value to anyone is that it demonstrates the steps in motivating ourselves and others to grow.

To move from where we are to where we want to be, we must begin with the end in mind (Objective). To maintain our enthusiasm in the middle of a desert journey, we must nurture hope by managing our progress (Measure). We are able and willing to reach our destination, because of the benefit to ourselves and others (Value).

Another Worldview

These 3 words encapsulate another way to think of this concept.

Why
How
What

Why are you thinking about doing something? Does it complement your purpose in life? Will it provide happiness and joy? (People)

How will you accomplish your goal? Are you able to make the sacrifices necessary to let go of the old habits and develop new ways? (Process)

What will be the benefit to you and others in your sphere of influence? Is this legacy adequate for your mark on the world? (Results)

Just like all Universal Principles, it is impossible to describe the logic of magic with words. But, I’ll bet you have felt the power of it.

By reading this article once, you’ll always remember the concepts presented, above — thanks to the Magic of Three.

Real Deal

When I hear someone use the word try in a sentence, I cringe. Because I know, for a fact, they are more interested in the talk than they are living the walk.

Accordingly, it’s another humor Kim moment. In support of the above statement, take a pen into your hand. Now, try to drop it. See my point? You’re either going to hang onto it — or, you’re going to drop it.

There’s no “try” to it.

Here’s another example — the word maybe. Those people, who refuse to make a decision, end up high-centering on the fork-in-the-road. Look at the word closer: ma-Y-be. See the fork-in-the-road? The people who are fond of maybe are reluctant to choose — left, or right, at Oak Street.

To encourage us to, always, make a decision, look at ma-Y-be, again.

Ma = Cry Baby
Be = A Creator
Y = Choose to Be

Just one more — how many times have you been promised something, someday? And, someday never came. Builders know this as the secret to accomplishment, “You must begin — and, begin again.” Because — they live by this creed.

Whatever you can do, or dream you can, begin it.
Boldness has genius, power, and magic in it.

Begin it, now.

If we put all of this silliness together, we have, “Someday, maybe I’ll try.

There Is A Better Way

Much more than an audition for the opening night of the Broadway playbill, Life — this is the Real Deal.

So real, in fact, I want to share insight from my children. To be precise, they are young adults, who are taking Relationship Strategies to increasingly higher levels for the benefit of all.

Lindsey and Ryan are priceless gifts. Yet, at times, they will also purchase tangible expressions of reminders for me. On a Father’s Day, Ryan presented “Easy 88“, a bronze of a cowboy making a great ride on a bull. On another day, a beautiful bouquet of flowers arrived from Lindsey, in acknowledgment of birthday “Fifty-Five“.

Also, she has given me Words — inspiring words:

Family ~ Forever, For Always and No Matter What

Tomorrow is the most important thing in life. Comes to us at midnight all clean and perfect and puts itself in our hands. And hopes we’ve learned something from yesterday.

In regards to ‘Lessons Learned’ from yesterday, the most important one can be expressed by a single word:

Forgiveness ~ Let go of the notion that there can be a better, or different, yesterday.

The purest definition of a ‘Rut’ — a grave, with the ends kicked out.

When we replay the past in our minds, over and over, a rut forms — a pattern of thinking. Really, those familiar grooves are the equivalent of a broken record — ’round and ’round the same track, while expecting new music. Does insanity come to mind?!

Music

A common theme in my Family is music — always has been, always will be.

It is the best way to convey messages for us to remember.

Better Get To Livin’ (Video)
Artist: Dolly Parton

People always comin’ up to me and askin’
“Dolly, what’s your secret?
With all you do, your attitude
Just seems to be so good
How do you keep it?”
Well I’m not the Dalai Lama, but I’ll try
To offer up a few words of advice

Chorus:

You better get to livin’, givin’
Don’t forget to throw in a little forgivin’
And lovin’ on the way
You better get to knowin’, showin’
A little bit more concerned about where you’re goin’
Just a word unto the wise
You better get to livin’

A girlfriend came to my house
Started cryin’ on my shoulder Sunday evening
She was spinnin’ such a sad tale
I could not believe the yarn that she was weavin’
So negative the words she had to say
I said if I had a violin I’d play

I said you’d better get to livin’, givin’
Be willing and forgivin’
Cause all healing has to start with you
You better stop whining, pining
Get your dreams in line
And then just shine, design, refine
Until they come true
And you better get to livin’

Your life’s a wreck, your house is mess
And your wardrobe way outdated
All your plans just keep on falling through
Overweight and under paid, under appreciated
I’m no guru, but I’ll tell you
This I know is true

You better get to livin’, givin’
A little more thought about bein’
A little more willin’ to make a better way
Don’t sweat the small stuff
Keep your chin up
Just hang tough
And if it gets too rough
Fall on your knees and pray
And do that every day
Then you’ll get to livin’

The day we’re born we start to die
Don’t waste one minute of this life
Get to livin’
Share your dreams and share your laughter
Make some points for the great hereafter

Better start carin’
Better start sharin’
Better start tryin’
Better start smiling
And you better get to livin’

When we do it right, the livin’ that Dolly encourages is more like playing, than working. Although, as with all things in Life, there is a fine line. On the one hand, we must acknowledge this is serious business. Because, at the end of our Play, all of the props go back in the box. On the other hand, we learn the most when we are playing and having fun.

The Point

And, that, my friend, is the point — We are to learn, grow, care, share, and love.

There’s a story about a southern farmer who goes out into his field early one morning to catch his mule for the day’s work ahead. To his dismay that mule was nowhere in sight. As the farmer headed back to the house, he passed an old, abandoned, hand-dug well. Sure enough. At the bottom of that well was Clyde.

Since the farmer was poor, he had no money to hire the necessary equipment to lift that much weight, from that far down. He was rich in friends, though. So he asked his neighbors to bring their shovels. As sad as it was to lose Clyde, the right thing to do was to fill in that deathtrap.

From the mounds of dirt excavated when the well was originally dug, the farmers began the serious business of burying Clyde and making sure nothing else was ever harmed by the long ignored danger of a pit.

Making the best of a bad situation, they shoveled quickly. As they were finishing up their work and upon hearing something, they paused to look up. To their amazement, they watched Clyde jump out of the well.

You see, while they were shoveling dirt down the hole onto Clyde’s back, he simply shook it off and stepped up.

The gifts from Ryan and Lindsey are much more than plaques and bronzes, They are the evidence of their success in ‘shaking it off and stepping up‘. Through no fault of theirs, they have experienced The Pit and the Bad Hands of cards dealt to them.

With courage, poise, determination, and grace, they have chosen to shake it off and step up — time and time, again. Consequently, the bull and bouquet speak volumes about their character.

A Chosen Effort

From the mouths of babes and the examples of our young people, we learn to — Preserve a childlike sweetness and innocence, while growing out of our childishness.

When I was a child, I spoke as a child, I understood as a child, I thought as a child; but when I became a man, I put away childish things. For now we see in a mirror, dimly, but then face to face. Now I know in part, but then I shall know just as I also am known. And now abide faith, hope, love, these three; but the greatest of these is love.

One thing I have, always, understood — Family and Work are the two legs carrying me across the stages of life.

I believe purpose in life is discovered by acknowledging a power greater than ourselves. As a result, accomplishment is possible by being a conduit for timeless and priceless gifts.

The greatest gift – LOVE – is a chosen, purposeful effort, often done in the face of fear, to nurture our own growth and the growth of others.

Let’s get to livin’!

Radical Acceptance

From Upset To Ecstatic

Is anything bothering you – right now?

Are you uptight about any event, thing, or individual — who has caused you grief?

For most of us, the answer is, “Oh, let me count the ways!”

Yet — there is a secret to calming ourselves.

For the sake of conversation, pick an item, above. Odds are good that, if it’s: 1) an Event, you’re replaying the video in your mind of some action, or inaction, that might have gone better, 2) a Thing, you’re reminded of the expression, “We don’t own things — things own us,” and 3) an Individual, you’re either plotting revenge, or impatient for Karma to deliver their just desserts.

In other words, we feel trapped in a world beyond our choosing.

But… what if, I can guarantee to change that feeling — immediately?

The Secret

Radical Acceptance

That’s right — simply, unconditionally, accept what is – iiWii – It Is What It Is.

That event you’re replaying over and over in your mind. Stop it! Wrap your mind around this, “Forgiveness is letting go of the notion that there can be a different, or better, yesterday.” The event is done, over, and in the Past — where it belongs. Move forward into the Present and set your mind on a dream of the Future.

That thing you’re obsessing about. Fix it, give it to someone less fortunate, or be as happy with it as the day you bought it. And, if none of that works, absorb the lesson of, “Beware the impulse shopping purchase and sleep on any major decision requiring resources of time and money.”

That individual you’re imagining in Hades. Let them go. They have made their choices — now, make yours. Decide that you can’t fix Stupid. Take back the power you have given them over your Thoughts. Change their role in your life and think this, “When I give, I’m all in — but, when I’m done there’s no looking back.”

Forgoing All Others

There is something magical about making a choice. Notice the adjective “a” — singular. While there are multiple options, we are stressed — uncertain about which one to choose. At the moment we pick one, we forgo all other choices.

Again, it’s radical acceptance of that one option.

Doesn’t it feel good?

It is our Independence Day.

We have found freedom from the outside influence of anything or anybody.

Builders

There are two types of People in this world — Builders and Janitors.

There are three types of Builders — Constructive, Creative, and Conscientious.

There are three types of Janitors — Lazy, 9-to-5’ers, and Trust Fund Babies.

Those Who Maintain

Lazy is a condition of idleness. For the hard-working men and women, this is a daydream of ours. To kick back and take it easy. Yet, when we do, there is an underlying uneasiness — of wondering, “What’s so great about this?” Imagine a lifetime on the couch with a clicker. No joy there.

9-to-5’ers make it through each of their days, doing what is asked of them — and, no more. They work for a paycheck and have no interest in making the world a better place. They are self-absorbed and, simply, wait for their shift to be over — so, they can pursue a hobby of their choice.

Trust Fund Babies are born on third base — believing they hit a home run. They are full of arrogance and ignorance, which makes them dangerous. They play not to lose and have no clue how to win. Since they have no idea of how to make anything of value, their favorite tactic is to nickel-and-dime everyone else.

The Good News

Before we examine the lives of Builders, let’s offer hope to the Janitors.

We have been created with freewill — the ability to choose our destiny. At any moment, at any time, we can make a choice to have a different life. The world is what we make of it — if it doesn’t fit we can make alterations.

Able and willing are two, very, different concepts — because, even, though we are able to do something does not guarantee we will be willing.

A mind changed against its will — will be of the same opinion still.

As an eternal optimist, I believe in possibilities. I just don’t believe the odds are very good — that Janitors will choose to become Builders.

Those Who Create

Constructive builders have something to show for their hard work at the end of their days. Every tangible blessing we enjoy has been built by the hands of the industrious. Up before dawn to draft their Blueprints, driven through the day to produce Value, and through the evening they review their Accomplishments.

Creative builders operate in the realm of Intellectual Property. Their goal is to build up People. In the intangible realms of mental, emotional, and spiritual, the creative types bring into existence thoughts never before shared with the World. From those Thoughts, flow Decisions, and Actions for the good of humankind.

Conscientious builders oftentimes can be found at the end of a shovel, or broom. Maybe, because of the hand of fate – or, by design – these individuals are diligent in their high calling — to Serve. They are not servants. They do, however, offer themselves in service for the good of all. Whatever their hands find to do, they proudly do it with their might.

One, Or The Other

In today’s society, many individuals seem to be zombies trudging through their days with an attitude of Fifty Shades of Grey. To them, there is no light or dark — their world is, simply, various shades of dullness.

If distressed jeans are any indication to the mood of the wearer, then, we have many distressed individuals, today. Through the 24/7 propaganda machine of the media, these individuals have become convinced they are powerless to make a decision. So, they float back and forth on the spectrum of choice. Which shade of grey will it be, today?

Yet, they have the ability to make a black and white choice – a decision – for a different ending to their life Story. They can shun the grey pale of drudgery, turn their back against the dark forces, and open their minds to the colorful goodness of heaven on earth.

I Can Hear The Whining

Those happy in their ruts (graves with the ends kicked out) will start their chorus of whining — about what they don’t have, what they can’t do, and how they are the victims of the victorious.

On the other hand, I can hear a few – putting their foot in the throttle – who are determined to wind up the RPMs (until their engines whine), catch some gears, and make progress down a road toward their new destinations. I love the sound of Progress. 🙂

DNA, or DME (Doesn’t Make Excuses)

I’m a Builder. My dad was a Builder. His dad was a Builder. And, his dad escaped from a life of luxury on the East Coast to homestead in Fishtail, Montana. Yes, he was a Builder, too.

So — the question becomes, did my son, Ryan, have no choice but to be a Builder? As the owner of Crosswire, Inc. is it simply a matter of DNA? Maybe, although, I’m more of the belief it’s because of his DME. He doesn’t make excuses — because, Builders don’t.

Builders accept responsibility for each of their decisions. They want to earn Respect.

Janitors, on the other hand, want to be Liked. They have no idea how to earn anything, so they manipulate. In the simplest of terms, they truly are wannabes.

The Secret

Unless we are growing, we are dying — the default condition of the physical realm is decay.

How do we escape?

Start with nothing and build something special.

Too simple for the complexity of our modern world?

There is one powerful concept often ignored by the masses, “Keep It Simple Sweetheart.” — affectionately known as the KISS Principle. Try it, you’ll like it.

By bringing into existence that which was formerly unknown, YOU become a creator. Since we’re made in the image of a Higher Power, a small leap of faith brings us to the realization that the Joy is in the building, the creating, and the serving.

Birds Of A Feather

Have you noticed that Eagles do not cavort with Turkeys? Or, that Bluebirds don’t spend much time visiting with the Pigeons? And, that the Meadowlark has no use for the Prairie Hawk?

So, evidently, it is true, “Birds of a feather flock, together.”

If we choose a life of doing, we escape the Thanksgiving table fate of the Turkey.

In fact, we will soar on wings like Eagles.

Let’s build on that premise!

We The People

We The PeopleIf you wonder why you feel tired, it’s because you are. Day after day we fight enemies near and far. The greatest threat to our peace and freedom is our own government.

I’ve heard the expression, “We get the government we deserve.”

That is simply wrong. After paying 40% on our earnings, each year, in Federal and Montana income taxes, for the ‘greater good’ of Society, I don’t deserve to be used and abused — and, neither do you. We are guilty in one aspect, only, “We get what we allow.”

As hard-working people of Montana, we take great pride in pushing through (the snow drifts), gritting our teeth to take the next step forward (against 60 mph winds), and otherwise thriving on whatever comes our way (in people and events).

So, we might be guilty of allowing dysfunction at the highest levels of government — yet, the intent was pure.

We thought, “Surely, elected officials — sworn to uphold the law as Public Servants — will bring along their Cowboy Ethics and do the right things.”

We tend to give the benefit of doubt — until there is doubt to the benefit.

What follows is a real honest-to-goodness story about a recent experience with the Montana Department of Revenue. As you’ll see, it is simply another example of that from which I’ve protected my Clients, for 35+ years as a CPA. At the end of that Crusade, my health was poor, because I was burned-out, by the silliness of these kinds of games — which becomes the catalyst for this event in the first place.

Montana Department of Revenue sent me a Bill for $50. Yes, I was tempted to just pay their Usury Fee — much as in the corrupt end-of-days Roman Empire — yet, more than the money, it was and is the Principle of the thing.

(Note: If you prefer, you can read the actual Email thread from PDF copies located in this Google Drive Folder ~ MT Governor)

Request for Waiver of Penalty

Fri, Mar 30, 2018 at 3:56 PM

Kim Foard <kimfoard@gmail.com>
To: MT Business Tax <DORobjections@mt.gov>

Business Tax Division:

The purpose of this email is to file a Request for Informal Review.

Please, see the attached PDF of Form APLS101F — along with the Notice dated March 16, 2018.

If any questions, I can be reached at the Mobile phone number, below.

Thanks,

Kim

Give Me More Information

Tue, May 1, 2018 at 11:47 AM

Flaherty Settle, Kelly <KFlahertySettle@mt.gov>
To: “kimfoard@gmail.com” <kimfoard@gmail.com>

Kim,

Can you give me more information regarding the serious health issues you experienced. *

Kelly

* Notice that she chose to use a Period, rather than a Question Mark. She wasn’t asking — she was demanding an explanation.

Incredulous

Tue, May 1, 2018 at 6:26 PM

Kim Foard <kimfoard@gmail.com>
To: KFlahertySettle@mt.gov, serve@mt.gov

Kelly,

Really?!

Why are you willing to harass a good Citizen of this great State of Montana over $50?

Evidently, in the weekly Staff Meetings, your Supervisor — or, Department Head — has not reminded everyone that you are Public Servants.

YOU work for me — I do not work for your amusement.

This episode is worthy to share with our Governor, Steve Bullock. For resources of the Montana Taxpayers to be wasted in this way is very sad.

Since the Governor will probably want to know, please, share with me – via an Email response – what Value is provided to anyone by this (your) request of me.

Here’s my answer about the serious Health Issue, “After 35+ years as a CPA serving the Entrepreneurs and real Creators of Value (Farmers, Ranchers, Oil Producers, etc.), I grew tired — literally, worn out and burned out — of these types of silly and petty games played by bureaucrats of all stripes. From October 26, 2015, through January 11, 2018, I was holding on for dear life. Each day was a struggle to find the will to live. Now, after that period of rest and healing, I’m back in the game — with the new venture of SageTalk, LLC.”

Click the two hyperlinks, in the Signature Block below, to get a new perspective on your JOB. By focusing on the Three-E Formula, I intend to Enlighten, Empower, and Encourage everyone in my sphere of influence. That includes YOU.

Over the course of 50 Years of producing Value – and, hundreds of thousands of dollars paid in Real Estate and Income Taxes to provide for the salaries of “public servants” — I find it odd that you’re challenging the truthfulness of my original Statements.

You go ahead and waste more Time and Money to make a decision about the waiver of a $50 Late Filing Penalty on my final Form CLT-4S, Corporate Tax Return for an accounting practice that no longer exists because of Serious Health Issues.

I am amused.

Kim

Citizens Advocate Office

Wed, May 2, 2018 at 8:37 AM

Citizens Advocate <citizensadvocate@mt.gov>
To: “kimfoard@gmail.com” <kimfoard@gmail.com>
Cc: Serve Montana <serve@mt.gov>, “Bullock, Governor” <governor@mt.gov>

Dear Ms. Foard:

Thank you for contacting Governor Bullock’s Office about the issues you are having with the Montana Department of Revenue.

I have sent your email to the Director of Montana Department of Revenue for their review and they will be in contact soon. I’ll also make sure that Governor Bullock and his appropriate policy staff are able to review your comments.

Thanks again for contacting the Governor’s Office, let me know if you have any additional questions or information regarding this issue.

Sincerely,

Tyler J. Campbell

Hopeful of Progress

Wed, May 2, 2018 at 10:19 AM

Kim Foard <kimfoard@gmail.com>
To: citizensadvocate@mt.gov
Cc: ServeMontana <serve@mt.gov>, governor@mt.gov

Tyler,

Thank you for your timely Response.

I am available to share my Thoughts with any and all Stakeholders of our great State of Montana.

Best,

(Mr.) Kim

A Supervisor’s Comments

Mon, May 7, 2018 at 11:30 AM

Milne, Rachael <RMilne@mt.gov>
To: “kimfoard@gmail.com” <kimfoard@gmail.com>

Hello Mr. Foard,

The Governor’s office forwarded me your email regarding the late file penalty assessed on your 2015 S corporation return. I am Kelly’s supervisor.

It is customary for the department’s auditors to follow-up with taxpayers regarding their requests for waiver of penalty based on medical reasons. Kelly followed up with you to ensure that you met the reasonable cause guidelines outlined in the Administrative Rules of Montana (http://www.mtrules.org/gateway/ruleno.asp?RN=42%2E2%2E512)

Additionally – Montana law states that a pass-through entity is assessed a late file penalty when the owner(s) are not compliant with their filing and payment requirements. Since your business was an S corporation and you were the sole shareholder, we reviewed your income tax account to verify that you were up-to-date with your filing and payment. Unfortunately, we could not find your 2015 individual income tax return. If you can provide us with a copy with your Montana individual income tax return as well as provide us with more information regarding your request for waiver of penalty, we’d be happy to review it.

Please let me know if you have any questions.

Thank you,

Rachael Milne, EA

The Plot Thickens

Mon, May 7, 2018 at 12:23 PM

Kim Foard <kimfoard@gmail.com>
To: RMilne@mt.gov, Citizens Advocate <citizensadvocate@mt.gov>, Steve Bullock <governor@mt.gov>

Rachael,

This just gets better and better, doesn’t it?

Now, we’re wasting another person’s time — yours.

And, it seems the Montana Department of Revenue has lost my 2015 Form 2, Individual Income Tax Return. A PDF copy is attached to this email.

Is it because the great State of Montana owes me a Refund of $1,017?

Did you even read the Narrative of my Serious Health Issue described in my email of May 1, 2018, below?

What part of “Close to Death” don’t you understand?

I suggest You, Citizens Advocate, and the Governor quit while you’re ahead — because this is already a “Great Story” to be shared with the Taxpayers of the World: https://www.kimfoard.com/blog-sagetalk/

After 35+ years of enduring Bureaucrats, I’ve had enough.

My purpose is to Enlighten, Empower, and Encourage “We The People” to take back our Lives.

Either do the right thing and resolve this $50 issue (after all you are a ‘public servant’) and join with me in this effort — or, continue to be part of the Problem.

The Best,

Kim

Finally

Mon, May 7, 2018 at 3:42 PM

Milne, Rachael <RMilne@mt.gov>
To: Kim Foard <kimfoard@gmail.com>, Citizens Advocate <citizensadvocate@mt.gov>, “Bullock, Governor”
<governor@mt.gov>

Hello Mr. Foard,

Thank you for your quick reply. We will process your return promptly and respond to you regarding your waiver request via mail to ensure we protect your confidentiality.

Thank you,

Rachael Milne, EA

I Have Only Just Begun

For the last 50 years, America has been at War. I’m 62 years old and remember a Time when we were proud to be an American.

Yes, the battles abroad have seen many casualties. Yet, our entire Country has not been affected by them as much as the Culture War — at Home.

From the Hippie free-lovers of the 60’s, to the Wall Street sharks of the 70’s, to the Go-Go dancers of the 80’s, to the Self-absorbed of the 90’s, to the Irreverent of the 00’s, to the Disrespectful of today, good people have been used and abused by those determined to tear our Society apart.

The only thing necessary for the triumph of evil is for good men to do nothing.” ~ Edmund Burke

Well, the Time has come when Good Men have had a belly full of the “No Rules – No Problems” crowd. Universal Principles (think Gravity) are for our benefit — and, the recognition and observance of them keep us Safe.

Good Men everywhere are Standing Up and are Committed to meeting the Enemy — with the appropriate Force — to bring back the High Standards of principled Life.

I’ve begun my new Crusade to give an answer for the Hope within me. So far, the results have been spectacular — from those Individuals in disbelief that I no longer will “Go Along To Get Along.” And, from the encouragement of those silently cheering the Warrior in me — I am determined to provide a Refuge for all of those in need.

Part of the Solution — Or, Part of the Problem?

Since I have heard nothing from our Governor, Steve Bullock, I intend to follow up regarding his silence. Was he not informed of this matter? Does he not care? Or, maybe, the comforts of the Governor’s Mansion have clouded his judgment?

Whatever the excuse, I intend to find out why he thinks our Constitution has limits.

Here are his proud pronouncements in USA Today – May 30, 2018:

Americans calling for protection of the Second Amendment want their families to be safe. I know because I’m a gun owner who believes in the Constitution, yet also recognizes its limits.

Thoughts and prayers are not solutions. They are excuses.

As governor, I hear directly from the people I serve. They want action. They recognize that like most policy issues, there is no single proposal or prescription that will solve the issue of gun safety. But they are tired of the enormity and complexity of the challenge being the excuse for inaction.

As individuals and as a nation, we can no longer be paralyzed. We have to act.

Well, big fellow, I’m going to find out what YOU intend to DO about the miscreants you’ve allowed into My Government.

There is an expression known as a fact in the Private Sector, “The work will always match the people — and, the People will always match the Work.” In my experience, only two out of ten State employees are doing the work — of solving problems. The other eight are part of the problem. After ridding our Government of the unproductive, this proverb will ring true, “If you want something done, give it to a busy person.”

While it is sad to lose even one life because of a nut with a gun, what do you say about all of the lives you are allowing to be ruined in Montana — from the action and inaction of Government Employees?

If, only, I could line up the People ruined by Bureaucrats and call the Media to take photos, your little soapbox rant about guns would pale into insignificance.

Unless you choose to resign, YOU are responsible for wasting vast amounts of Time and Money over a $50 Usury Fee. Those state Employees work for YOU.

What improvements have been made in the last two months to prevent your minions from harming another single Montana Citizen?

You’re right, “I want action.”

Intelligence Test

Dad had an 8th Grade formal education and was one of the most intelligent men I have ever known.

He was from an era of the strong, silent type — and, when teased about being so quiet, he frequently said, “I learn more by listening.”

Today, listening seems to be a lost art form — and, we have several generations of fools.

Well, yes, that is blunt. Lest I be accused of being judgemental, let me rephrase — because, People have the God-given right to be the unique creations they are. Their behavior, though, is open to analysis. In other words, “I will not judge the People — yet, I can evaluate their Behaviors.”

Test For Foolishness

My worldview is based on the Three-E Formula — Enlighten, Empower, and Encourage. Yet, there are the Three Evil E’s  — Ego, Expectations, and Emotions.

To test anyone for foolishness, just tell them a Story — it doesn’t matter the subject. Share with them something about which you are passionate. And — see how often you are interrupted.

I’ll bet good money you will get interrupted 9 times out of 10 — because, People do not have the willpower to keep their Ego, Expectations, and Emotions under control.

Ego

Yes — it is important that we boldly approach our day.
No — it is not right to think the world revolves around us.

People interrupting our good Stories will always have (in their mind) a better Story than ours — they are a Legend in their own Minds.

Expectations

Talk too slow, and People will try to finish your sentences.
Talk too fast, and People will look for other entertainment.

You see — those People have (in their mind) better things to do than listen to you share a Chapter from your Life. They expect you to fawn over them.

Emotions

Give too much to some People — they think you’re trying to manipulate.
Withhold your commentary and good advice — People will call you God.

Immature individuals are just like Toddlers — they whine, they pout, they cry, they throw things, they yell, and they make the ugliest faces — oh, and, when we laugh at their antics, they EXPLODE.

Test For Intelligence

When I asked Dad why he didn’t talk more, this was his reply, “Even fools are thought wise when they keep silent; with their mouths shut, they seem intelligent.”

My frustration with that quote is — Dad was very wise. In fact, he had accumulated much Knowledge. Every day he applied – what he knew – to gain an Understanding of many things and People. The progression of Knowledge into Understanding resulted in a Wisdom unsurpassed by the educated idiots of our day.

Yes — I include myself in that category of People who wanted to be known by their credentials: CPA, CITP, CGMA and all kinds of other Certified somethings.

That was yesterday. Now, I simply want to be measured by the Value that I contribute to the Whole Wide World.

I’ll — happily — let you be the judge of that.