Technology

FOR IMMEDIATE RELEASE: (NOVEMBER 27, 2018)
Mr. Kim Foard
SageTalk, LLC
406.855.8384
kimfoard@gmail.com

TECHNOLOGY CONFERENCE

An Event for Dreamers and Doers

Billings, Montana: Kim Foard, CPA attended the 2018 QuickBooks Connect conference in San Jose, CA, November 5 – 7, 2018. More than 5,000 accounting professionals, small business owners, self-employed, and developers came together to learn, be inspired, and connect with each other. This is the fifth year Intuit, the provider of QuickBooks software, has hosted the event.

Benefits of attending include: learning about leading-edge technology, being inspired by thought leaders, expanding a meaningful network of peers, and understanding trends affecting the success of those brave and hardy souls known as the Entrepreneur.
For More: https://quickbooksconnect.com/

Technology enlightens, empowers, and encourages the Entrepreneur to achieve results unimaginable even a decade ago. Cloud computing platforms enhance efforts to implement the 5-Step Success Model:
1) Establish a fair Price
2) Ask for Acceptance
3) Plan the Work
4) Deliver on Promises
5) Enjoy the Celebration.
For More: https://kimfoard.com/purpose/build-something/

About SageTalk, LLC: Far beyond the traditional accounting processes, Kim Foard, CPA leverages 35+ years of education and experience to focus on the Entrepreneur and their desire to build a dynamic future. Specifically, he works with those passionate about their legacy, summarized as, “Start With Nothing (but a Dream) and Build Something Special.”
For More: https://kimfoard.com/

Lucky

Recently, someone frustrated with their life blurted, “You’re so lucky!”

I almost responded with, “Those who work the hardest are the luckiest.”

Instead, I simply replied with, “Yes, but if you only knew my story, you might think differently.” I went on to mention, “You’ve heard the proverbial theory of gathering people around a table to share their problems. After looking around the table, everyone grabs back their own.”

She replied with, “I’m so envious of you. You’ve been in love, got married, had children, and enjoyed success in business. My mother has used you as an example of who I should be.”

That individual was consumed with the drama of their existence and was not interested in my Story. So, I’ll share it with you.

Believing Is Seeing

Yes, that’s a word play on the old expression, “Seeing is believing.” However, our eyes can deceive us — or, maybe, better stated, “We can believe in what isn’t there if deception, or preconception, is involved.”

Magic has taken deception to an art form. “Smoke and Mirrors” is a common phrase to describe the sleight of hand. Even in the realm of professionals, we have lawyers doing the same thing in a courtroom.

Societal propaganda has taken preconception to the realm of fantasy. According to the 24/7 bombardment, the rich and famous are the ideal. The agenda to be a celebrity has trampled on the concept of freedom to choose.

On the other hand, “Believing Is Seeing” encapsulates the worldview of making the best of every situation. Even though there may be no evidence of goodness, every opportunity has seeds necessary for our new learning.

Research

Speaking of evidence, research has documented the skills of lucky people. Richard Wiseman, the Professor of Public Understanding of Psychology at the University of Hertfordshire, in the United Kingdom, discovered four main principles:

  • maximizing chance opportunities
  • listening to your intuition
  • expecting good fortune
  • turning bad luck to good

Strategies employed to increase – by 80% – the happiness and luck of ordinary people are:

  • meditation to enhance intuition
  • relaxation
  • visualizing good fortune
  • talking to at least one new person every week

As the good professor explains, “That’s why lucky people appear to have an uncanny ability to be in the right place at the right time and enjoy more than their fair share of lucky breaks.”

Third Grade

I needed eyeglasses in the third grade to see the chalkboard at the front of the classroom and got them as a sophomore in high school. Texas was funny that way — they wanted me to see the highway when I was taking Driver’s Education.

The reason I can remember the third grade is that was the first time I brought home anything other than A’s on my report cards. I’m pretty sure those two B’s would only have been deserving of a reprimand from my mother. That C, however, was cause for a “Come to Jesus” session, with her.

It was so bad, I, to this day, vividly, remember going into our small bathroom at Big Timber, kneeling down, and asking God for His help. I was going to need it — I couldn’t see the chalkboard, and I didn’t know what to do.

I remember praying for wisdom. Solomon was a hero of mine. I figured if it worked for him, it might work for me. Sure enough — all A’s from that point forward.

Seeds of Opportunity: I learned to listen and discovered the benefit of having a “friend” in a very High Place.

Moving All Over Creation

Those six years of grade school at Big Timber, Montana, was the longest period of time at any one school. Dad worked on ranches owned by Trust Fund Babies. As a result, after he had been used and abused, when he was no longer part of their grand plan, we were asked to leave.

Within a month of starting first grade at Lavina, we were on the move to a ranch at Big Timber, MT. We were there for six years. Then, we began an adventure in the foreign country of East Texas. It was a four-year stint of horizon broadening.

My junior year of high school provided the opportunity to be the new kid on three different playgrounds: Long View, TX; New Underwood, SD; and, Lavina, MT. Since I graduated from high school at Lavina, I can proudly proclaim that I started and finished school there.

Seeds of Opportunity: I learned to be the new kid on a playground and still have friends scattered coast-to-coast.

Cowboy Dreams

All of those years of good grades resulted in a full-ride four-year scholarship to any university in Montana. I turned that down to pursue my dream of being a cowboy.

Fifteen months later, I knew I didn’t have the same love of horses and cows as my dad. Although, those years of living the notion, “Where there’s a will, there’s a way” came in handy. This poor kid had a new dream of going to college.

In the course of managing my fledgling business as a twenty-something entrepreneur, the counsel of an older client friend cut short my whining. He exclaimed, “Kim, your problem is not that you were born poor. Your problem is that you were born with ambition. Many are born poor and stay that way. You want something else.”

Seeds of Opportunity: I learned to never, ever look a gift horse in the mouth and to appreciate the investment to earn an education.

The CPA Exam

Having started work for a CPA firm in the middle of my junior year of college, I thought, “How hard can it be to pass that silly CPA exam? I’m educated and experienced — that ought to be enough.” Wrong!

After two years and four attempts, the victory was mine. So, naturally, I believed those Partners of the CPA firm, for whom I still worked, that they would honor their promise to consider me as a partner. Wrong!

For four years, I had made them lots of money and opened a satellite office. So, in their mind and stated opinion, “Let’s keep the relationship as it is and you can keep on doing what you’ve always done.” Wrong!

My dream had been and was even more vividly clear — I was going to be my own Boss and serve the agricultural community in a better way than they ever imagined.

Seeds of Opportunity: I learned to be a good employee (and a better employer) and the importance of believing in Dreams. 

Husband and Father

For twenty-four years, the Community viewed us as the perfect couple — and then eventually the perfect family. Having “found” a Higher Power in the third-grade, those vows, “Til death do us part” meant something to me.

Good luck? Bad luck? Who knows?” whether love was ever a reciprocal emotion. I had conceived, believed, and achieved a Family unit, so as for my worldview — yes, love was offered to wife and children.

Added to the mix of responsibilities during this season of life was the role of “Good Son” providing a retirement for parents, who because of fate and hate (of savings) found themselves without the support of the Cult.

Seeds of Opportunity: I learned to give without expecting anything in return and developed empathy for those abused by narcissists.

Comfortable Rut

Contrary to the Country song, it is possible to have too much of a good thing. Hard work and “good luck” found me comfortable in a rut — which, by the way, the definition is: a grave with the ends kicked out.

I’ve always believed we travel through life on the two legs of Family and Work. Family gives purpose to our Work — Work provides opportunities for our Family.

After the divorce, one leg was crippled — so, I hopped… and hopped, for thirteen years, until my birthday, October 26, 2015. I was sixty years old and burned out — sick to death of Tax Returns and third-generation Juniors.

For 35+ years, I had helped Grandpa build his little empire, which he turned over to Dad (my generation) to maintain (work of a janitor), which then showed up on a silver platter for little third-generation Junior to waste.

Junior was born on third-base and will lie to convince you that he hit a home run. Arrogance and ignorance are a volatile mixture — when thrown in the face of education and experience.

Seeds of Opportunity: I learned what doesn’t kill us makes us stronger and giving IT all away provides a path to true freedom.

One Lucky Guy

So, she’s absolutely right — I am one lucky guy. My journey is not much different than your own, or hers. The only possible difference is I have chosen to make the best of whatever the situation.

Although trained in probabilities as a CPA, my mind is open to the possibilities of good fortune — Seeds of Opportunity.

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.

Why and How

The secret to getting things done is to ask, “Who is going to do What by When?”

An even greater mystery to doing the right things is to know, “Why and How!”

There’s a story about a Montana rancher that goes something like this —

Post Turtle

A country doctor is suturing a cut on the hand of a Montana rancher.

Rancher: “At least this hurt comes from building something. Just imagine the pain of a post turtle.”

Doctor: “Oh? What is a post turtle?”

Rancher: “Well, when you’re driving down a country road and you come across a fence post with a turtle balanced on top. That’s a post turtle. You know he didn’t get there by himself; he doesn’t belong there; he can’t get anything done while he’s up there; and, without help to get down, he’s stranded!”

How often do we get stuck?

Pedestals, Ivory Towers, and White Horses

Do we ever consider: “Why?” Is it because we allowed someone to place us on a pedestal, in an ivory tower, or on a white horse? It’s one thing to work hard to earn our place in the world — it’s quite another to be placed somewhere. Even more dangerous than the physical geography is the mental fantasy. It can be our mind playing tricks on us — or, the imaginations of another person projected onto us.

From our earliest memories we are indoctrinated with the propaganda that, to be somebody, we must rise above. Movies, novels and childhood stories revolve around the themes of a princess in an ivory tower attracting the knight in shining armor who gallops in on his trusty white steed.

Joy Is In The Doing

What goes up must come down. Down to the reality that the greatest joys in life are found by serving — not swooning. Life is all about attitude — not altitude. Love is defined as giving — not getting. Let’s all get down, to the business and pleasure of accepting others for who they, really, are — not who we want them to be.

While the grandeur of heights is intoxicating, the grounded efforts of servants produce harvests of abundance. Those who are the greatest, purposefully, take the lowest rank. They are recognized as true leaders by their efforts to serve.

They are the ones who know Why they are here; How they got here; What they are doing here; and, Who have absolutely no fear of falling down. When they stumble, it is to learn a new lesson on their way to another opportunity — of service.

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 People

If 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.”