The Business Advisor: Recent Episodes
Michael Lodge
The Business Advisor is hosted by Michael Lodge, a nationally certified business mediator and advisor. He has been in private practice since 1984 and has been is various types of business entities throughout the United States and Asia. Mr. Lodge has owned and advised many forms of businesses clients that have included tax firms, healthcare and staffing, construction, real estate, sports and entertainment, and others. As a mediator he mediates business issues that include family small businesses, workplace conflict, real estate, estate and trust disputes, various business disputes between partners and owners of businesses. His experience counts in providing advice and mediation.
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My utility bill jumped, it doubled. My friends out of California, using the same amount of energy, their utility bill jumped from $250 to $613. A lot has to do with the less amount of natural gas that was in production and could be used that drove the price up, the remaining big part of the Natural Gas Tax imposed by the Inflation Reduction Act of Joe Biden and the Congress. What do we call that? A big fat political lie.
If your utilities bill to heat your home has gone up, send me an email telling me your story to: thebusinessadvisor@zmail.com
BIDENS INFLATION REDUCTION TAX HIKE BILL: https://www.atr.org/list-of-biden-tax-hikes-hitting-americans-on-jan-1/
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BROOKINGS REPORT ON DEBT CEILING: https://www.brookings.edu/2023/01/25/how-worried-should-we-be-if-the-debt-ceiling-isnt-lifted/
The debt limit caps the total amount of allowable outstanding U.S. federal debt. The U.S. hit that limit—$31.4 trillion—on January 19, 2023, but the Department of the Treasury has been undertaking a set of “extraordinary measures” so that the debt limit does not yet bind. The
Treasury estimates that those measures will be sufficient at least through early June. Sometime after that, unless Congress raises or suspends the debt limit before June, the federal government will lack the cash to pay all its obligations. Those obligations are the result of laws previously enacted by Congress. “Raising the debt limit is not about new spending; it is about paying for previous choices policymakers legislated.”
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PBS Sepcial on Joseph McCarthy. https://www.youtube.com/watch?v=svUyYzzv6VI
Youtube Video: https://youtu.be/wAXDHcVHkmo
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In April I am going to do a bucket list trip from South Carolina to Alaska. I am trying to decide if I should go by train to Seattle and catch the ferry, or drive across America to Seattle and put my vehicle on the Ferry to Alaska. I would like to do the latter. However, I am going to have to get a new vehicle to do that with. I have thought about getting a small traveling van to drive in, but have you priced the costs of these vans and how many miles on one them?
Van Prices - Outrages: https://www.facebook.com/marketplace/item/574454134547470/?ref=browse\_tab&referral\_code=marketplace\_top\_picks&referral\_story\_type=top\_picks
So, I will have to see what I can do. The ferry ride is a five day journey, you do not stop in Canada. I have put a link on the ferry below. So, today I am taking some time to plan the trip.
Alaska Highway Ferry: https://www.travelalaska.com/Getting-To-Around/By-Ferry?gclid=EAIaIQobChMIkdP93vfi\_AIVjrrICh1Gbgb4EAAYAiAAEgIIVPD\_BwE
Vlog Camera: If you vlog, I would really like to know what kind of camera system you are using. Now remember, I am old. So the make it simple for me. This is the one I am looking at. https://youtu.be/cx1KxeER7wQ
Everyone needs to have a bucket list that includes travel. And don't e afraid to travel alone. You meet all kinds of different and interesting people along the way. I love hearing the stories of these people as we travel together, people you don't even know. However, you get to know people very well as you travel across this great nation.
Now I have another bucket list and that is to visit all 50 states. 16 states to go.
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Biden Dragged: https://www.foxnews.com/media/biden-dragged-touting-gas-price-drop-americans-struggle-make-ends-meet-what-planet-on
Biden keeps lying about the nations economy and it has got to stop. He needs to hire better economic advisors, he needs to listen to the American people, and he needs to focus on the economy and not on a political agenda. The American people are hurting and his lies do greater harm. His financial views are now seen as garbage.
If the President really wants to help the American people he should be sitting down with members of Congress and the Senate and begin negotiating on the debt ceiling and spending cuts. That would show the American people that he is doing something. But, there has to be results, not political spin. If he does nothing, then the American people can expect that the next two years will be financial hard.
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We are seeing the unethical act of wokeness that is driving unethical actions in businesses, churches and schools. This has got to end. Politics is never ethical. Political agenda's through wokeness is never ethical. We need to start teaching more about ethics, and board of directors have got to examine their ethics rules within their organizations. Politics should not be allowed one inch within organizations. Their decisions on how they are going to run their business or cancel out others though social wokeness, must end. It should no longer be tolerated. The more woke the entity, the more unethical behavior.
Ethics is the ability to make decision on what is right or wrong in our human conduct. This is the belief that moral principles is vital in our every day lives. Businesses must start focusing on their ethics and eliminate politics, wokeness, from their operations. Conflict, from unethical actions, is very expensive and can destroy companies from within. I encourage all leaders to review their policies on ethics in the workplace.
And government, you had better start holding those accountable that do not practice good ethical behavior.
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Total Debt: $31.4 Trillion
Annual interest paid on debt: -#1.2 trillion by 2024
Annual tax revenue: $4.9 trillion
Annual Deficit: $1.4 trillion loss
Projected 2023 Deficit: over $2 trillion
Janet Yellen taps retirement funds to avoid breaching US debt limit. Does any of this sound like sound spending habits, good stewards of the money Americans have paid into the tax system? If this were a company, would you invest in it? Hell no.
The ethical work that the Joe Biden can do is to sit down with Treasury and the members of Congress and negotiate. If you don't negotiate then we have no leadership in Washington. We just have elected people who think that it is ok to put the American people in greater debt. Perhaps it is time to shut the government down to get people to the negotiating table. This is no longer about politics, this is about working together to reduce our nations debt and curb spending. Otherwise, you can expect the economy of America to get even worse. Do what's ethical, and not what is political.
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When business leaders at the WEF make statements of wokeness and try to cancel out Twitter as a business, it is ethically wrong. Richard Edelman must be held accountable for his wokeness and trying to cancel free speech.
Richard Edelman, CEO of the world’s largest PR company tells businesses to “deprive [social media] platforms that spread disinformation of oxygen. Stop advertising. Pull your promotion money… The Twitter boycott has had a modest impact but the Facebook one failed.”
Watch Video of CEO telling businesses, pull your ads for what he thinks is disinformation: https://twitter.com/greg\_price11/status/1615916714293858304?s=20&t=9Bd5abMb\_7CHdWFS-40CJg
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How are you using your credit cards? - https://www.inc.com/kelly-main/55-percent-of-americans-fail-this-simple-credit-card-quiz-just-3-questions-indicate-your-financial-iq.html
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Using a portable charger to charge up along the road: https://youtu.be/NOIo0hcvJC0
Recycling electric car batteries: https://www.technologyreview.com/2023/01/17/1066915/tesla-former-cto-battery-recycling/
If you like my podcasts and would like to support me, please go to: http://www.buymeacoffee.com/michaellodge
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If you would like to have more access to me and need business advisory or coaching, go to: http://www.lodge-co.com
The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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If you like my podcast and would like to help me out, go to: http://www.buymeacoffee.com/michaellodge
If you have any business questions, send the question to: TheBusinessAdvisor@zmail.com or set up a 60 minute consultation at: http://www.lodge-co.com
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CREATING ELECTRICITY IN THE US: https://elements.visualcapitalist.com/biggest-sources-of-electricity-by-state-and-province/
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OIL NEWS: https://www.reuters.com/business/energy/chevrons-first-cargo-venezuelan-oil-after-license-departs-us-2023-01-10/
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Great article on compliance and ethics: https://www.corporatecomplianceinsights.com/ethics-bad-apples/
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Lodge & Co., a business advisory and mediation firm serving all of the United States.
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IRS TAXPAYER BILL OF RIGHTS: https://www.irs.gov/taxpayer-bill-of-rights
Have a question, send it to: TheBusinessAdvisor@zmail.com
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Set goals in each of these 7 areas of your life for 2023. These come from Dave Ramsey, I liked them so much I used them to form my goals for 2023.
Spiritual
Financial
Career
Intellectual
Fitness
Family
Social
If you would like to sit down with me in consultation, go to my web site and schedule a 60 minute session with me: http://www.lodge-co.com
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Journaling: https://gretchenrubin.com/articles/jump-start-your-habit-of-keeping-a-journal/
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All the problems of 2022 moves over to 2023 and nothing changed for the good. instead we got new taxes
$225 Billion in corporate income tax hikes which will be passed on to household, every American
$74 Billion in stock tax which will hit your nest egg - 401(k)s, IRAs and Pension Plans
$12 Billion crude oil tax which will increase household costs.
$6.5 Billion natural gas tax which will increase household energy bills
$1.2 Billion coal tax which will increase household energy bills
In President and the Congress never resolved the nations inflationary problems, they just added onto it. Every single American suffers.
Free excel budgeting program to get your finances under control for 2023: http://www.lodge-co.com/60minutebusinessadvice.html Click on Personal Budget Worksheet.
If you want more access to me and would like to book a free 30 minute consultation with me, go to: http://www.lodge-co.com
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You would like to schedule a 60 minute consultation, confidentially, go to my website at: http://www.lodge-co.com
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If you have business or individual questions, book a time with me online by going to: http://www.lodge-co.com
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If you would like to have more access to me, go to: http://www.lodge-co.com Schedule a 60 minute business session with me. Talk to me confidentially about any issue that you would like to discuss and get advice on.
Leadership blog: http://www.lodge-co.com/busblog/business-leadership-never-goes-woke
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NEWS LINK:
Older Americans are being hurt hard by inflation: https://www.foxnews.com/media/inflation-taking-toll-seniors-forcing-return-work-holidays-going-tough?intcmp=tw\_fbn
Goldman Sachs Lays Off 4,000 employees: https://www.newsmax.com/newsfront/goldman-sachs-layoff/2022/12/16/id/1100764/
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If you would like to have more access to me and my services, go to: http://www.lodge-co.com
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NEWS: https://forkast.news/headlines/sec-charges-ftx-founder-sam-bankman-fried-with-defrauding-investors/
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DOE Fires Employee for stealing luggage at airports: https://justthenews.com/politics-policy/department-energy-fires-gender-fluid-nuclear-official-amid-luggage-theft-charges?utm\_source=tw&utm\_medium=social&utm\_campaign=twjs
Americans are spending less this Christmas: https://justthenews.com/politics-policy/polling/americans-plan-spending-less-christmas-inflation-concerns-remain-steady?utm\_source=tw&utm\_medium=social&utm\_campaign=twjs
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Citibank report on 2023 layoffs: https://www.foxbusiness.com/economy/brace-recession-2023-job-losses-top-two-million-citi-says?intcmp=tw\_fbn
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Business Report of Food Costs: https://www.foxbusiness.com/economy/nearly-70-percent-americans-struggling-pay-grocery-bills-survey-finds
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Cancel culture is toxic and unethical. Companies trying to cancel other companies based on unethical political bias is unacceptable. A Hillary Clinton-linked dark money group set its sights on Twitter advertisers amid Elon Musk's acquisition of the social media platform, Fox Business has learned.
NEWS ARTICLE: https://www.foxbusiness.com/politics/clinton-linked-dark-money-group-targets-twitter-advertisers-amid-elon-musks-takeover
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Trump announced he will run for the presidency again. Democrats are going to come out dirty, and some republicans will also. Your responsibility as a business leader is to keep that political nonsense out of your offices, don't allow it to create conflict within your businesses. Sit down with your HR department and see what your employee handbook says about politics in the office. Keep it out.
If you want to have more access to me, go to: http://www.lodge-co.com. If you would like to support my podcast, go to: http://www.buymeacoffee.com/michaellodge Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
During these inflationary and recession times, there are people who are alone, just kind of making it, and need a place to be on Thanksgiving. If you can afford it, if you are blessed, share your thanksgiving with those that need a place to be or food to eat. Reach out to them starting today. Be blessed by sharing your blessings with others.
My first vlog on my bucket list on a train: https://youtu.be/S2tTyg5LrfQIf you would like to support my blogs, vlogs and podcasts, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
The election is over and it is time for the President and Congress to respond to the inflation and recession that is hurting Americans. Politics is over, it is time for them to sit down and start the process, the negotiations, and focus on our nations economy. If you have ideas, let the President and your member of Congress hear from you. Each member of Congress have a duty to represent their districts, the people, and get things done. Hold them accountable.
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I love to see that on voting day in the United States, Americans take it seriously.. Democracy is strong and well and Americans are voting for the people they feel will change their government. From my heart as an American, I thank each of you for taking the time to make your own personal decision and vote. Thankyou!!
If you would like to follow all of my podcasts and blogs, go to: http://www.buymeacoffee.com/michaellodge If you would like to have more access to my business advisory and mediation services, go to: http://www.lodge-co,com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
On November 8th you will be going to the polls. A good amount of you have already voted, I have already voted. But those of you who have not voted, go to the polls and cast your vote. It is your vote that counts. Hold the politicians accountable by your vote.
If you would like to support my podcast and blogs, go to: http://www.buymeacoffee.com/michaellodge If you would like to have more access to me, go to my website at: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
Wokeness and Cancel culture is the modern social attitude that what you think is controversial speech or behavior must be punished through public shaming, silencing, boycotting, firing, bankrupting, de-platforming, etc. The result is that the offender's influence, presence, and/or reputation is "cancelled out." Cancel culture goes far beyond that, setting out new rules to retaliate against speech, behavior, or even thought that has been prejudged as "offensive" or even simply controversial. In cancel culture, people can be ostracized, their reputations smeared, and their careers ruined although they have broken no laws or engaged in any malicious behavior.
Cancel culture views people with whom a plurality of people disagree as unredeemable and worthy of spite. Christian culture see no one as an object of spite. God's love is always available. There are no lost causes. If you are running a business, church or school, and you allow wokeness and cancel culture in your organization, you will destroy lives and the ability to care about your fellow human beings. Cut out the cancel culture and get back to your work and responsibilities.
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When a business goes woke, they become a dysfunctional business. In fact, they no longer are a business. They forget completely about the business. When you are woke and cancel culture driven, everyone becomes the enemy and a conflict destroys the business. Conflict creates great loss if not corrected and resolved.
If you want to have more access to me, go to: http://www.lodge-co.com If you would like to support my podcasts and blogs on business, follow me at: http://www.buymeacoffee.com/michaellodge Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
I was talking to a client in Los Angeles yesterday. He was frustrated with the city and politicians. The city in infested with rats, more rats then people. Homeless people are camped in front of his new store. Police will not help him because politicians at city hall have told them to stand down. In a video below, you will see a homeless man, laying on the ground in front of a coffee shop masturbating. In New York City subway system, homeless are pooping in the station. Again, we see that government is the problem and they refuse to provide help to the citizens. They ignore their calls. Lucky for us. We have the ability to change government through our vote. Use your vote to change this nation so we get back on track. Democrats have gotten us off tract and have destroyed us with inflation, over spending and taxes, ignoring crime. This can be changed with our vote. We have to clean up government and hold them accountable.
VIDEO: https://twitter.com/Bellamari8mazz/status/1587954314206740481?s=20&t=dXkhI02zA1xetOfGRHDD9A
If you would like to support my blogs and podcasts, please go to: http://www.buymeacoffee.com/michaellodgeI offer free 30-minute consultations on business issues and resolving disputes. Go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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From the American Military News. Elon says "There seems to be 10 people managing for every one person coding. This is what happens in a woke company. Jobs are created to support their wokeness and not what is good for the company. Twitter lost their way and now Musk has to turn it into a real operating company.
ARTICLE: https://flip.it/C08soW
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What is a dependent? Use this IRS publication that talks about what a dependent is and the qualifications of a dependent on your tax return.
IRS GUIDE ON DEPENDENTS: https://www.irs.gov/help/ita/whom-may-i-claim-as-a-dependent
If you have any questions regarding what a dependent is, who you may claim, you can also send me a email to: info@lodge-co.com
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If you want more access to me, go to: http://www.lodge-co.com
Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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ALERT: Diesel fuel shortages that will increase the cost of food and other goods to Americans.
Full Warning Article: https://www.wbtw.com/news/state-regional-news/fuel-company-issues-diesel-shortage-alert-in-north-carolina-south-carolina/?fbclid=IwAR3ifnPkUlokQzEoJ-ioPEIAAGOv_9DJ0I_ILwNoKfeU5pFFoxWq0yL26b8
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Today, Elon Musk took over Twitter and begins to make changes. This happens in every single merger and acquisition. Live with it, it's EM's business now. Sit back and enjoy the ride.
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Elon Musk walks into the Twitter corporate office with a sink. Message, I am buying Twitter, let that sink in. I love it. An snarky employees respond. Wrong way to go.
If you would like to have more access to me, go to: http://www.lodge-co.com I offer a free 30 minute consultation in the area of business advisory and mediation of disputes. Book an appointment on-line. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
2023 is only two months away, so it is vital for you to get ready to face the music for the near year. So two assignments for you. 1) call your tax advisor and sit down and talk about any changes or needs to file your 2022 tax return. Don't wait until 2023 to do it, do it now so it counts for 2022. 2) prepare your 2023 budget, for your business or personal finance side. You need to focus on money coming in, money going out, and what is left over and what you plans are for 2023. Again, I am going to use the word "vital", because it is so important for you to do this. If you are married or have a significant other - do it together so you both know the numbers and have planned this together, your on the same page, or path, depending on how you want to describe it.
I am giving you two free excel spreadsheets for you to use. These are free, no strings attached. Just use them and put them to good use. If you have a question, or confused, send me an email to: info@lodge-co.com And I will answer your questions.
Small Business Financials for 2022 - INCOME / EXPENSE REPORTING click on the box with this title.
Personal Budgeting for 2023 - PERSONAL BUDGET WORKSHEET click on the box with this title.
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Every time the government gives out something they call free - it turns out to be a tax. When inflation goes up, so do the taxes you pay on that item. When that apple gets transported down to you at the store, taxes are paid through the gasoline used, transportation, sales and use tax. A Democratic Senator in Washington now wants to propose raising the gasoline tax - during a recession. How stupid can politicians be to actually suggest raising taxes on Americans when they can't even afford the food at the store. November voting is coming in a few more days, make sure you know who you are voting for. What has been their spending and tax voting history. If they have voted for spending - they should not be in that office. And that goes for both Democrats and Republicans. Sit down and prepare your own personal finances for 2023. October through November is the best time to sit down and plan out your personal finances. If you need a budgeting worksheet to use, I have a free one on my website at: http://www.lodge-co.com/60minutebusinessadvice.html Click on the Personal Budget Worksheet and it will download for you to use. If you need help and want to set up a 30 minute free consultation, you can schedule an appointment on my website. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Your vote in November 2022 is about our personal finances and fighting inflation, as well as getting rid of bad government. Hold each politician accountable for their votes that spent and taxed.
It is time to start planning and budgeting for 2023. Here is a free budget spread sheet that will help you plan and budget: http://www.lodge-co.com/60minutebusinessadvice.html Click on PERSONAL BUDGET WORKSHEET. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
For too long we have been suck. Pandemic shut us up in our houses. The economy has created a stress on all of us and we are not going anywhere. Not doing anything. We need to take back control and create our own personal bucket lists of items to do and places to see. We can't let this feckless government stop us any longer. Over the weekend, sit down and pull out a sheet of paper and at the top put the title "Bucket List". Or if you keep a journal, put it in there. Start creating your bucket list for the remainder of 2022 and for 2023. We need to change our mental health outlook.
Life is short and you have to have bucket lists. There is a vloger on YouTube that has inspired me to live before the grim reaper takes my bucket. Train trips have always been on my list of things to do, so I have planned two train trips. One is from South Carolina to Los Angeles, a 3 day trip. I leave November 18th and across America I go. The next train trip is from South Carolina to Seattle, on a ferry to Alaska that takes 5 days, then by train to the end of the train tracks in Alaska.
If you would like to have more access to me, if you would like to have a free 30 minute consultation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Biden continues to make threats against Saudi Arabia and what comes back? A threat of Jihad: https://www.instagram.com/p/Cj5NgbgIsV-/?igshid=YmMyMTA2M2Y%3D
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We will make it through all of this economic issues and the political hate. We will be stronger. Focus on your mental health and shut off all the anger you hear from social media, politicians and the news.
If you would like to have more access to me, schedule a free 30 minute consultation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
Read the full story: https://www.dailymail.co.uk/news/article-11322557/Soaring-inflation-wiped-2-1-TRILLION-average-25-workers-retirement-savings.html
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BofA Report: https://finance.yahoo.com/news/bofa-warns-us-economy-start-170000414.html
Foreclosure activity increases: https://www.foxbusiness.com/lifestyle/foreclosure-activity-increases-united-states
If you would like to have more access to me, schedule a free 30 minute consultation by going to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
CPI Report: https://www.buymeacoffee.com/MichaelLodge/the-consumer-price-index-all-urban-consumers-cpi-u-rose-0-4-percent-september
Where Americans are being hurt by inflation: https://www.buymeacoffee.com/MichaelLodge/where-americans-are-being-hurt-inflation
Social Security Increase: https://www.buymeacoffee.com/MichaelLodge/social-security-benefits-rise-8-7-2023
If you would like to have more access to me, to schedule a free 30 minute consultation on business or dispute mediation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Full article on gig and independent contractor reclassification: https://www.foxbusiness.com/politics/bidens-proposed-gig-worker-rule-could-deal-major-blow-small-businesses?intcmp=tw_fbn
Every time we turn around the President and Democrats want to do more harm to America's small business. Those of you running side jobs out of your homes. Those of you working as independent contracts on a project by project basis. Now Biden and the Democrats want to reclassify you from gig or independent contractors to employees of the companies that contract with you. This changes a lot for the company contracting with you to you as an independent contractor. It will kill off entrepreneurs by the millions. Call your member of Congress and Senate and tell them to stop attacking small business. Say no to any change.
If you would like a free 30 minute consultation with me on business issues or mediation conflicts, book online at: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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We are in a recession. So we have to monitor what the real economy is doing, not the governments economy. Earnings reports are coming out this next week and the most important topic to listen for is what are they forecasting. Not what they are currently earning, but what they are seeing in the future for their business and the economy. This will tell you what is going to happen. Right now we have capital expenditures declining to almost nothing. We see that employee hours are being cut. The next part will be the layoffs of those working at home and then finally to all employees. Companies have got to make some tough decisions, so it is good to be prepared for it. What they see will affect what we do at home. How we will manage our own personal financial lives.
If you would like to have more access to me, book a free 30 minute consultation time with me at: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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There is a saying that I tell everyone that comes before me for mediation, and it is about their tempers and anger. Lose your temper nd you lose the fight. Learn to control your tempers because a big part of it is ego. You have to be right, but you realize your wrong and instead of ending the argument peacefully, ego takes over and you lose your temper. I had that happen to me recently with a friend who did not want to lose the argument, he lost his temper and hung up on me. I just remained silent because I knew it wasn't a big enough argument to lose my temper. My approach is to give that individual time, cool down, think about it, and see how he approaches the friendship after the hang up. We probably would call this a test of friendship. In mediation I try to get parties prior to mediation to sit down with me and let them unload their stories on me, and then we get to talk about what they would like out of the mediation. Usually, it is exactly what the other side wants, it's just they are saying it differently. Learn to control your temper and you can resolve a lot.
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September Jobs Report: https://www.bls.gov/news.release/pdf/empsit.pdf
News on Jobs: https://www.foxbusiness.com/economy/us-job-growth-slows-again-september-positions-added
If you would like to have more access to me, go to: http://www.lodge-co.com Lodge & Co. is a nationally certified mediation firm and provides business advisory services. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
Right now we are listening to really bad communications from Biden and Harris. What they are saying is creating doubt in the leadership at the top. Harris does not think before she talks and she reacts instead of thinks about her answers and statements. It sounds like she is making it up as she goes along. Really bad leadership communication.
Then we have Biden lashing out at the courts decision on DACA. Democrats have been using this group of people politically for so long, making promises, but never keeping them. DACA is a political pawn by the Democrats. They have been in control of the Congress and Whitehouse many times and each time talked about DACA but have never done anything about it. DACA is a political tool of the Democrats.
DACA: https://www.foxnews.com/politics/biden-scolds-maga-republicans-5th-circuit-court-strikes-down-daca-orders-new-applicants
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If you think you are being scammed and want a second opinion, send the scam to me at: info@lodge-co.com I will try and look at it.If you want to have more access to me, for mediation or business advisory, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
Where are the peace makers to demand for peace talks between Russia and Ukraine. United States keep pumping billions into a war that isn't even part of the United States. The EU does nothing. NATO keeps driving war actions on the boarders. China keeps funding Russia. But yet no one calls for peace, instead a war between two nations will ingulf the world creating WW3. Biden has no plan, except to keep funding Ukraine. The UK has no voice, and funds the war. Money flows but peace never is mentioned. The United Nations is a silent house because Russia is part of the Security Counsel and says no to everything. We have no leaders in the world anymore with guts. With morality. With ethics. They are just politicians playing a power game and they look more foolish every single day. Where are the peacemakers?
If you want to have more access to me, go to: http://www.lodge-co.com If you would like a free 30 minute consultation for mediation or business advice, go to my website and book an online appointment. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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My prayers are with everyone with the path of IAN. You are in my prayers. If you would like for me to pray for you individually, send me an email at: info@lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
If you would like to have more access to me, or book a free 30 minute consultation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
This political season to November is a sack of lies from dirty rotten scoundrel's. We have to remain vigilant in how we are going to vote and not listen to the spin of politicians. Our vote should be the person who is going to stay focused on American's needs and not what their political party tells them to do. And we have to challenge these politicians and hold them responsible. If they feel they are not responsible to their constituents, then they should not be in office.
We are in an recession and you need to do better planning to make it through. Please follow the link below that will give you an excel spread sheet to use to create a budget and monitor your expenses. Also, if you are thinking about getting married, you should sit down with me and let's go through your finances and you know what you are getting into and what you can do before you say "I Do". Planning is so important because the disputes and conflicts in a marriage involves big issues on money. Go to http://www.lodge-co.com and book a free 30 minute consultation.
Free spreadsheet tool for budgeting and recording actual expenses: http://www.lodge-co.com/60minutebusinessadvice.html Click on "Personal Budget Worksheet".
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We have politicians that are not talking about the real economy that Americans are facing. Cars are being repossessed, houses have been foreclosed on and the number goes up everyday, real estate is in a recession. Yet, politicians push their political agenda's of abortion, electric cars, job numbers with a twist, and climate change, at the same time Americans are suffering. They refuse to cut government spending and tax hikes, instead they go in the opposite direction and spend more money and tax more. Political agenda's have become more important then the welfare of the American people and the economy. It's a sick thought process, but yet they do it.
Layoff Website: https://layoffs.fyi/
Layoff Report: https://www.businessinsider.com/layoffs-sweeping-the-us-these-are-the-companies-making-cuts-2022-5
Car Repo Statistics: https://www.titleloanser.com/stats/car-repossession-statistics/
Note, in my podcast I misquoted the repo per day number. I stated 8,000 per day, it is more like 6,000 per day. Still a high number.
2022-2021 CAR REPOSSESSION FACTS (UNITED STATES DATA) 2.2 million vehicles are repossessed every year (2022 updated data) * 5,418 repossessions every day * 226 car repossessions each hour * 3.76 repossessions a minute * 2021-2022 most repossessed car and truck (in order)* 1. Ford F-150 – is the most repossessed truck 2. Chevy Silverado – is 2nd the most repossessed truck 3. Honda Civic – is the most repossessed car 4. Honda Accord – is 2nd the most repossessed car 5. Toyota Camry 6. Nissan Altima 7. Toyota Corolla 8. Honda CR-V 9. Dodge Ram
With yearly repossession rates at 65% compared to yearly new car sales. This means that for every 2.4 cars sold, 1 existing vehicle on the road will be repossessed each year.
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This mornings podcast is on two subjects from the top of my head. Something I have been thinking about. So it may be good, or not so good. Let me know. It's Friday and my day off, so I am speaking my mind. By the way, I did use the word "damn". Sorry about that!
If you want more access to me, go to http://www.lodge-co.com If you would like to schedule a free 30 minute consultation with me on business or mediation of a dispute, there is a link to do so. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
We have got to eliminate the social, woke, politics that has corrupted various organizations to build on hate and not working together. Conflict is increasing within these organization, people don't know what they can and can't say in fear of being attacked. The word "racist" no longer talks about real racism, instead it is just a political attack work on people that don't agree with you. We have a problem, and all of us have to act ethically to everyone, not just to the people that agree with you. Unethical political agenda's create conflict that costs friendships, lives, productivity, and civility.
If you would like to have to access to me, or schedule a free 30 minute consultation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
Whenever you're in conflict with someone, there is one factor that can make the difference between damaging your relationship and deepening it. That factor is attitude. - William James
This past week I had a party come to me for mediation that had purchased a business from an individual and there were outstanding issues. Both agreed to mediate, however the seller of the business wanted me to give an opinion on the contract and stated he was right. Mediators don't give opinions, which I explained to him twice. He said he would not go forward unless I gave him an opinion. I said no, not my role as a Mediator. If you go into the mediation with an attitude, you probably won't get very far. Go to a mediation and listen, ask questions, work on resolving the dispute. Leave the attitude at the door.
If you want to have more access to me and book a 30 minute free consultation, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Biden denies there is inflation and an economic problem, but around the nation we are seeing massive amounts of houses that are in pre-foreclosure, 3 months of not paying their mortgage because the cost of everything has gone up. Here are a few examples.
Northridge, CA - 78 homes, Beverly Hills - 53, Las Vegas - 3,958, Miami - 591, Sherman Oaks, CA - 104, and these numbers go up daily. We are in a real estate recession that is going to get worse. We then have to ask are the banks liquid. In August the mounts of deposits into banks was negative. It is important to understand if your bank is strong or may be in trouble. We are in a recession and have to ask the right questions, not go by what Biden and the Whitehouse says. They are wrong.
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The Queen was laid to rest today and a part of history ends and a new part begins. She lived her life in devotion to her God and nation, a strong faith, and kept her promise to serve until the very end.
Words on leadership and wisdom.
"Our modern world places such heavy demands on our time and attention that the need to remember our responsibilities to others is greater than ever."
"Each day is a new beginning, I know that the only way to live my life is to try to do what is right, to take the long view, to give of my best in all that the day brings, and to put my trust in God."
"When life seems hard, the courageous do not lie down and accept defeat; instead, they are all the more determined to struggle for a better future"
"Perhaps we make too much of what is wrong and too little of what is right. The trouble with gloom is that it feeds upon itself and depression causes more depression."
"In times of doubt and anxiety the attitudes people show in their daily lives, in their homes, and in their work, are of supreme importance."
"It is through this lens of history that we should view the conflicts of today, and so give us hope for tomorrow."
"Over the years, those who have seemed to me to be the most happy, contented and fulfilled have always been the people who have lived the most outgoing and unselfish lives."
"Everyone is our neighbour, no matter what race, creed or colour."
"If we resolve to be considerate and to help our neighbours; to make friends with people of different races and religions; and, as our Lord said, to look to our own faults before we criticise others, we will be keeping faith with those who landed in Normandy and fought so doggedly for their belief in freedom, peace and human decency."
"With age does come experience and that can be a virtue if it is sensibly used. By being willing to put past differences behind us and move forward together, we honour the freedom and democracy once won for us at so great a cost."
Let's follow the Queens lead.
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Get out of your zoom room, bubble room, at home and get back into the office. People have lost the ability to build relationships in the zoom room. They don't know what is really expected on them in their ability to grow into leadership. They are not advancing their learning ability in leadership, communication, resolving problems, project management, and the list goes on. But the sad part is that most employees will never be able to advance into leadership because their companies have no idea what they are doing. Zoom calls from management just doesn't cut it anymore. In order for a company to grow the employees have to be able to grow. Zoom rooms and emails don't do it. We are no longer in a pandemic, now we have to get employees and companies to grow during a recession.
If you would like to have more access to me, you can schedule a 30 minute free consultation by going to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Joe Biden stated in the last two days that if the Republicans take the Congress he was going to be using his veto pen a lot. A threat to stop the process of the Congress. Threats is not leadership. A good leader would sit down with the opposition and listen and ask questions. A threat stops the leadership process. Businesses leaders who are really good at what they do listen. Ask questions. Make decision based on these conversations and what is good for the company and their clients. If a leader is not engaged with those that think differently then he, listening, asking questions, no unity will take place. No positive moves on issues that need to be resolved. No negotiations that need to have an agreement to. No unity can happen if the leader is not engaged. We have no engaged leaders.
Queen Elizabeth was a great leader. As soon as you me her she was engaged with you. She asked questions, listened, and gave her wisdom on the issue. We have lost that ability to lead in the United States. We get farther and farther apart because political agenda's have take the place of leadership and the care for the American people. We have problems in the United States, we need leaders.
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Leaders have failed to lead, leaders have become followers, there is no longer any independent thinking or challenging business leaders. Politics has destroyed the ability to lead without offending people, when in fact people need to be challenged. Zoom does not do that. We need to get back to our core businesses, bring employees back to the office, so there is more relationship building in business. People have forgotten to get up, get dressed for business, think business, and to build those important relationships in business. In government there is no more leadership, it has become a political agenda where politicians just follow the agenda. Never works out well for the people of a government that pushes a political agenda and stops listening to the people of the nation. Leaders listen.
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Twitter has become a beehive of political hate. Everyone in politics and their minions are there spinning their hate. It is non-stop hate. And it is from the left and the right. Making comments that have nothing to do with their campaign or what they have accomplished, instead it is slurs and pointing of fingers against everyone they don't believe with. You are truly wasting your time there if you think you are going to learn something new, you will not. Instead you will get so pissed off that you will join in and become part of the hate crowd. That is what they want, so stay away from the politicians and pendants, hate feeds off of hate. During this election year Twitter is the worse place to go to get any kind of information. You have probably made up your mind on how your going to vote. Stay away from Twitter, it is the devils playland of hate politics. Don't get stung at the beehive of political hate.
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I had a big fall on Memorial day, it will be memorable. As I was falling in slow motion, my head hit the office door, and then laid in a heap of hurt and embarrassment, I thought about life. I am old and I live alone, so when I fell I was thinking of so many things. One of them was life is too short to get angry about politics and the ugly names we are being called, or maybe calling other people. This has got to stop. I decided to get up off the floor and change my outlook and start focusing on my bucket lists that I want to accomplish.
One of my bucket lists I would like to start in October is visit the last 21 states. I have planned this, I know the routes I want to take, the places I want to see, and to film it along the way. I am ready to go, except for the money part of it. So I am working on that part. If you would like to help me out, you can go to: http://www.buymeacoffee.com/michaellodge Lots to get done before I leave, but I will get there. If you have any suggestions on where to go, let me know.
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It's the day after labor day, and as I was going through twitter yesterday, every politician was out there making statements, praising labor, and yet really saying nothing but political nonsense. Then there were attorneys out there commenting on the judges decision on the Trump case, I call them back seat attorneys. Some were for Trump, against Trump, and they all had their opinions but they have not seen any documents, (except 2) and some leaked stuff, but they had all the answers to the case. Some put the judge down, said she didn't have the legal expertise, and it went on. As I went through the feeds from twitter, I had to turn it off because it was just too much crap. Sorry, but that is what it was. And I have said this before, I am politically fatigued and I think most Americans are. Everyone is spinning their own story line or hate. America has a lot of problems at the moment and we have politicians spreading more division and hate, so that nothing can really get done as a nation. I have said this before, we can't rely on Government to solve anything. It's up to us, you and me, to focus on our family and community needs. Government just screws it up.
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To Biden calling me a fascist. You may call me selfish if you will, conservative or reactionary, or use any other harsh adjective you see fit to apply, but an American I was born, and American I have remained all my life. I am not a fascist.
If a nation's people is hated by it's President, the nation has stumbled and fallen. Hate for others, their views, is no longer a democracy. We are no longer a leader of nations. With a President full of hate it creates chaos, disputes, and conflicts within it's own boarders. We are not fascists and Biden is wrong by calling Americans that hateful name.
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Customer service needs to improve. Companies have lost sight of their customer care. Whip it into shape.
By the way, to all of my listeners in the Philippines, it's September - a BER month - MERRY CHRISTMAS It's the start of Christmas in the Philippines.
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Below, I have given you a podcast that talks about the problems Dutch farmers are having, however, the problem is now in the United States with an extreme green new deal agenda that has decreased America's food supply and increased costs. We have two major issues going to hit us this winter and that is high natural gas prices to heat the homes of American's and a food supply created by bad government policies. We can't allow the green new deal and environmental policies to hurt Americans. Dutch farmers are fighting back. It is time that American farmers and truckers fight back. Bad green new deal and climate change politics is creating a bad situation for American's.
News Source: https://youtu.be/P9wR_E5rTNg
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When you lead, and made the promise to unite a nation, but then call American's names, he goes in the opposite direction of unity to political divide. We are voting in November for people to serve our nation, not for people with hate towards America. The more they yell their spins at America the more we pull away. Why would we want to be associated with hat? We are in the middle of a recession that is going to get worse starting in September with a natural gas shortage, a food shortage, and other issues that affect our families and businesses. Hate does nothing to help us. We as Americans have to defend our families financial situations because politicians are going to make it worse with their political agenda's and hate. We are on our own people. So let's remove the hateful politicians and focus on our personal financial lives. Put us first. Most of us already know how we will vote in November, so get on with our lives and focus on our families and communities. Kick hate off your road, replace it with commonsense and the ability to survive. We have already been warned that it is going to get worse, hate will never help but our individual focus will to great things.
Calling people fascists' has nothing to do with building a strong democracy or a strong nation. These kinds of words about Americans degrades the political power of these types of politicians. We have hateful politicians that is creating the country to stumble and fall. Henry Cabot Lodge said, "Beware how you trifle with your marvelous inheritance, this great land of ordered liberty, for if we stumble and fall, freedom and civilization everywhere will go down in ruin". The hate filled speech by Biden and other politicians, trying to take down other Presidents, getting involved in Ukraine, tax and spend, is not building America, it is tearing us down as a nation. We have allowed politicians, filled with hate, trifle with our liberties, freedoms and prosperity of every American.
Podcast Support: https://www.foxnews.com/media/biden-deplorables-moment-joe-trumpism-semi-fascism-throwing-unity-pledge-trash-rove-says?yptr=yahoo
https://www.mercurynews.com/2022/08/26/bidens-midterm-kickoff-speech-calls-maga-ideology-semi-fascism/
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It appears that social media search engines have decided that certain subjects and podcasts are a threat. This week a organization for podcaster put out a email to everyone at one of their expos that Ben Shapiro showed up and may have created harm. The tweet read, "Hi folds, we owe you an apology before sessions kick off for the day. Yesterday afternoon, Ben Shapiro briefly visited the PM22 expo area near The Daily Wire booth. Though he was not registered or expected, we take full responsibility for the harm done by his presence." This appears to be a woke organization. Conservative podcasters are now seen as "harm" to the organization. Search engines have now been seen as a threat. I have seen this even against my podcast. Twitter doesn't allow me to grow my followers. In fact my podcasts and comments are not seen by many because my voice is not in their political territory. It will not stop me, I use my podcast as a teaching tool, I make no money off this podcast, my only hope is that someone will listen and learn. Maybe one day, I may get more then 20 listeners.
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Yesterday the President made the announcement that he will forgive a massive $300 billion in student debt. But does he have the legal authority under the constitution to do it? I would argue that he does not and Congress and the Senate need to stop this unconstitutional action. Perhaps it is time that the American people file a court brief to ask the court to stop this unconstitutional behavior. Every American will be paying for someone else debt. On degrees that earn good money and people who got worthless degrees. This is truly a big economic mess that the President has created.
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ELECTION YEAR BRIBE - FEE LOAN FORGIVENESS
President Joe Biden is today expected to announce a student loan handout plan that would essentially use taxpayer money to pay off up to $10,000 of student debt per borrower making under $125,000 per year.
That means Americans may be footing a nearly $300 billion bill if Biden goes through with the reported plan — plus extends a repayment pause to next year.
The nation's federal student debt now tops $1.6 trillion after ballooning for years. More than 43 million Americans have federal student debt, with almost a third owing less than $10,000 and more than half owing less than $20,000, according to the latest federal data.
News Source: https://www.foxnews.com/lifestyle/americans-bidens-student-loan-handout-plan-suspicious
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The powerful political elite of Democrats and Republicans have been in power too long. It is time for term limits. There is a push by both parties to push their political agendas and not focused on what the core needs of Americans are. We have vital issues going to hit our nation with food supply shortages, energy costs going up in homes and businesses, still no solutions to the supply chain, and other issues that impact Americans. Instead they continue to push a political agenda and not one politician running for office is talking about Americans needs. We need term limits, not people who have spent their life time in the Senate and Congress doing nothing. It is time for a change. It is time we move forward and address American families and small business needs. Political agenda's stink to high heaven.
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Every time that the Congress makes a tax change they screw it up. When a tax bill goes to out of the Congress and over to the IRS, there will be a review by the IRS tax attorneys and matching it up with other IRS codes that will create taxes for the American people and create automated audits from the IRS. It happens every time Congress touches a tax issues, they screw it up. We saw this with the PPP forgiveness plan, with Obama Care, and other tax language hidden in bills not associated with taxes that end up affecting the American people. This is the same situation with the Inflation Reduction Act that has nothing to do with Inflation.
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Every day we see politicians across the United States spouting hate. Obsessed with one man. Obsessed with displaying and spouting hate against other Americans. That is a mental health issue where hate has taken over their political agenda instead of focused in what is needed for Americans. They are willing to pass bad legislation to push their agenda and lie about what the bill is actually doing. We have Erick Swalwell fixated on Trump, calling Americans names, and then doesn't understand why he is getting threats from people. If you threaten people, call them names, you invite hate with hate. This is a mental health issue. Liz Cheney is so consumed with hate for one man that she lost her election because voters said enough, she was suppose to represent them, not her hate for Trump. So she lost he seat and her reputation. This obsession is a mental health crisis. We have a crisis in Government, and November we need to make a change. Get back on track - if we can.
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Total US consumer credit card debt hit fresh ATH at $1.13 trillions as consumers choose debt rather than cut back on spending in the face of inflation and a recession.
STORY: https://www.buymeacoffee.com/MichaelLodge/americans-choose-debt-over-cutting-back-on-expenses
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In South Carolina today it is the first day of school. I love to hear the sound of the school buses picking up and dropping off. My dogs go nuts hearing the school buses. Teachers, work with your parents, keep them informed on what they are being taught. Keep to the core of learning, reading, writing, arithmetic and history. Parents, get involved with your school. Get to know what they are being taught. If you Childs teacher needs supplies, get it for them. As the teacher what they need. Everyone work together - remove the politics. Keep to the basics only. Politics creates conflict, so keep it out of the schools. If you would like to have more access to me, go to: http://www.lodge-co.com Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
On Fridays I don't take appointments and phone calls and I focus on issues I need to take care of in my office. As I look on this week I am highly disappointed in myself for allowing politics and the Inflation Reduction Act to take too much of my time. Finally, I had to shut it off. I had to focus on my business, one minute that I am not focused I am accountable for that wasted time. You and I, have a lot of work to do to keep our companies running and our families taken care of. We need to focus and make some tough decision and we can't do it if politics is on our minds. Clear the mind of politics, we already know how we are going to vote in November, no one is going to change our minds. So be confident in your vote and just focus on your business and family. That is the right things to do.
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Don't fall for what the enemy wants. Chaos and angry people. Stay calm and remain focused on changing government in November.
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The inflation reduction bill in Congress, written by Shumer and Manchin is a lie. It does not reduce inflation, in fact it increases it and makes the economy weaker.
So we have to run our businesses in a recessionary mode. What do you do?
running your business in a recession
- protect your cash
- look at staffing, who stays and goes
- seek assistance
- revisit inventory management
- drop the extras
- woo existing customers
- win new customers
- keep marketing and building your networks
- look at alternative income sources
- sell off your assets you do not need
- mediate your disputes, eliminate legal costs
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Fox Business - The Inflation Reduction Act — unveiled Wednesday by Sen. Joe Manchin, D-W.Va., and endorsed by Biden — would increase tax revenue by $16.7 billion from Americans earning less than $200,000 a year, according to a nonpartisan analysis from the Joint Committee on Taxation (JCT) published Friday. Nearly every tax bracket would pay more in taxes with those making below $10,000 per year seeing the largest uptick, the analysis showed.
Full Story: https://www.foxbusiness.com/politics/most-americans-feel-tax-pain-dem-inflation-bill-despite-bidens-past-promises
New York Post: White House admits inflation reduction act, pushed by Manchin, Schumer, will barely do anything
Full Story: https://nypost.com/2022/08/01/white-house-admits-inflation-reduction-act-will-barely-impact-inflation/?utm_source=flipboard&utm_medium=syndicated&utm_campaign=partnerfeed
Higher Gas Prices: https://www.foxbusiness.com/energy/former-oil-exec-warns-recession-alongside-energy-crises-gas-will-exceed-five-dollars-again-soon
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If you listen to Joe Manchin on all the news shows this weekend, he tried to explain why he is voting for an inflation bill that creates more inflation. He failed at his explanation and tripped up by saying there are no new taxes and then said that the bill raises taxes on corporations by 15%.. Higher taxes always gets passed on to you and me - the consumer. Then there is spending in this bill and government spending creates inflation. However, remember, Joe voted for that big stimulus bill that created inflation. So really, Joe is not for the people of his state, or for the American people, instead he is showing that he is just a politician that votes with his party and for votes when it is convenient for him. So expect inflation to get worse, government spending to get out of control, and politicians created the worse economy ever. This inflation bill is a lie and does more harm to this nation. With weak tax and spend politicians with no experience out in the real world - we are in trouble.
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BREAKING: Q2 GDP unexpectedly falls by -0.9%, officially putting the U.S. in a recession. But we all knew that we are already in a recession. We feel it.If you like my podcast and would like to have more access to me, go to: http://www.lodge-co.com/tba.html Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
The Society of Professional Journalists have a code of ethics. What reporters are to do and not do. But every single news source out there have broken every line of their code. They have become tabloid reporters instead of truth reporters. We have a problem with journalists today and we as Americans need to hold them accountable - at every level.
Full Code of Ethics: https://www.spj.org/ethicscode.asp
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A highly watched economic indicator with a good track record in predicting recessions cut its forecast for second-quarter gross deomestic product growth this week, implying the nation has fallen into a recession, per Forbes magazine..
The first thing that happens during a recession is the economy slows down. This means that businesses are producing less, and consumer spending is down. At this time consumer spending is down and at the same time their credit card limits are maxed out. Businesses have inventory but the consumer is not buying. This can lead to layoffs, as businesses try to cut costs. We are seeing that at the moment, businesses are starting to lay off, cutting back on hiring. Putting freezes on hiring. During this time, there's a significant decline in the demand for goods and services. We are in a recession because this has been going on for months.
Full Story: FORBES
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I got up this morning and began flipping through my flipboard of news and found nothing worthwhile to tell you. My conclusion is that news is no longer news, it is just tabloid mind washing nonsense and far too many of us are falling for every word. Media on the left and right are biased and have corrupted the information and data that is out there. They bend it to their own political agenda. They don't even follow their own code of ethics in reporting. Their code of ethics for journalists has been tossed out on the freeway and been hit by every car and truck until you can't even recognize any truth in any story. Journalism has been corrupted by politics. Business has been corrupted by politics. Politics is an unethical entity that kills off truth. So you and I have to make our own decisions and fight for our lives in this country, or any country that you are listening to me from. It is up to us to get to the truth.
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We are going through some tough financial times and we are going to need a friend. As well as to be a good friend. People are going to be stressed out and they will need you and you will need them.
Seven points to know if you have a good friend or if you are a good friend.
- They give what is hard to give.
- They do what is hard to do.
- They endure what is hard to endure.
- They reveal their secrets to you.
- They keep your secrets.
- They don't abandon you in times of trouble.
- They don't look down on you in times of loss.
Now you may find it is hard to find a friend like this, so you have to be a friend like this. Remember these words and you will find you will be there for people that need you. Remember, it's not all about you. Be a good friend starting today.
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The very fact you’re listening to this podcast is a huge step forward. You’re already interested in improving communication with your ex significant other, and you’re likely ready to take steps to create a healthy environment for you and the kids.
The most important thing when you separate or get a divorce is to sit down with a mediator and put together a separation agreement with a parenting plan that has a boundaries defined as to how you will communicate with each other. This is a very important step so that your child or children feel they are loved and your communication process enhances their stability during a tough time. Communication is vital and working with a mediator on the communication process and setting boundaries, will help you greatly.
Crafting an amicable relationship with an ex-partner is always worth trying, especially with kids involved. There are many communication methods to help you and your ex-partner make the transition as smooth as possible for everyone. Hopefully these simple tips in today's podcast will help you keep the separation civil and respectful.
If you would like to sit down with me and put together a separation agreement and a parenting plan, you can have access to me and make an appointment online at: http://www.lodge-co.com If you would like to know more about mediation I do provide you with a free 30 minute consultation. Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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END REMOTE WORK AND HEAD BACK TO THE OFFICE
In Europe, and in the US, remote work needs to end. Companies are not getting their full access to their employees at home. In San Francisco, as well as all cities in the US, businesses struggle to hang on as tech and other workers stay at home. The economy can improve if employees return to their offices, productivity and customer care will improve, stability in the work force will improve. It's time for remote work to end and for everyone to head back to the office.
Full story: https://flip.it/6qNdTo
San Francisco businesses struggle to hang on as tech workers stay home
Full story: https://flip.it/JznFUI
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CREATING GREATER INFLATION THROUGH BUILD BACK BETTER
The Daily Signal: With inflation surging to 9.1% and averaging much higher in the rural heartland than in urban areas, now is not the time for the federal government to pour gasoline on the fire.
Yet, as Democrats negotiate the newest iteration of their socialist nightmare—the so-called Build Back Better Act—that is exactly what they are planning to do. This plan would increase inflationary pressures with shortage-inducing price controls on prescription drugs and an increase in spending for Obamacare subsidies.
If this sounds like the approach of the 1970s, it is—rapidly expanding federal spending and the money supply, and ultimately triggering double-digit inflation. Then, too, rather than rein in spending, Washington resorted to price controls.
The newest version of the euphemistically named Build Back Better follows this failed playbook.
Full Story: https://flip.it/x1diMN
OTHER BUSINESS ARTICLE PICKS: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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If you like my podcast and would like to have more access to me, go to my website at: http://www.lodge-co.com/tba.htmlTODAY'S PODCAST BACKUP
THE HOUSING MARKET ENTERS INTO RECESSION
Full Article: https://fortune.com/2022/07/20/housing-market-enters-into-recessionheres-what-to-expect-next-home-price-prediction/
The housing cycle—which began its upward climb in 2011—has officially turned over. Simply put: We've moved into a housing recession.
On Tuesday, we learned that homebuilders broke ground on 982,000 single-family homes in June. That's down 19% since February, and down 16% from the same month in 2021. While it's hardly a "blow out," it's clear builders are cutting back. Historically speaking, that's exactly what happens when a housing cycle turns over: FORTUNE: As existing home inventory—which builders compete against—begins to spike, homebuilders start to cut back.
"Peak euphoria is behind us. We are giving back some of the euphoria [home] pricing that was rolling over every housing market," says Rick Palacios Jr., head of research at John Burns Real Estate Consulting.
Existing home inventory will continue to rise, and homebuilding will continue to slow. At least that's the view at John Burns Real Estate Consulting, which does consulting work for both builders and investors. As it does, the ongoing housing recession (i.e. a contracting housing market) could push home prices lower in bubbly regional housing markets. Indeed, many bubbly markets, Palacios says, are barreling towards price cuts in both 2023 and 2024. That includes markets like Phoenix, Nashville, West Palm Beach, Las Vegas, and Austin. In Boise, Palacios says home prices could go negative on a year-over-year basis as soon as December.
"Builders are already [deciding] to not pour slabs in certain markets. Which is the technical trigger for a start for a home. In certain markets it will feel like [a housing bust]," Palacios says. (read full article)
CITIES WHERE PEOPLE ARE MOVING OUT OF
Full Article: https://money.com/cities-homebuyers-fleeing-where-relocating/?xid=flipboard&utm_source=flipboard&utm_medium=rss_synd
OTHER INTERESTING ARTICLES
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HOW UNETHICAL CAN THE PELOSI'S GO?
It is time for Congress to start focusing in on Nancy Pelosi and her husband. Using insider information as a member of Congress who knows there is a bill in Congress to subsidize the Chip industry and then goes out and buy stock in chip companies, is an unethical act as a member of Congress. Does she think she is above the ethics rules and the laws? It is time for this bill to be killed because it has been corrupted by the Pelosi's, and in fact the Chip industry should not even be getting a subsidy. KILL THE BILL.
Pelosi is one of the most prominent figures in U.S. politics, currently serving as the Speaker of the House. But the 82-year-old — alongside her venture capitalist husband Paul who does most of the trading — also loves participating in the stock market.
While politicians can’t predict the future of the market, they are connected to the country’s economic movers and shakers. They also have access to a wealth of first-hand information that investors would die for — so looking into their trades may provide valuable insight.
According to a new congressional financial disclosure, the Pelosi's made three recent trades — including one that likely resulted in a seven-figure profit.
Full Story: https://moneywise.com/investing/stocks/nancy-pelosis-husband-just-bought-over-1-million-of-this-chip-stock
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NO WEDDING VOWS, JUST THE READING OF A CHEATING GROOMS TEXTS
An Australian bride is being hailed a hero on her wedding day after an anonymous text message was sent the night before her wedding revealing her fiancé was cheating on her.
Unsure what to do next, the bride decided she wasn't going to let her dress or venue go to waste and chose to seize the opportunity to expose her husband-to-be.
The bride read out her cheating groom's texts at the altar.The woman, who wished to remain anonymous, told the Australian website Whimn that she had been so excited to marry her fiance, "Alex."
"Alex and I had been together for six years. I felt he was The One instantly. Our families became friends; our lives were entwined, and I believed we'd live happily ever after," she wrote in her essay.
Full Story: https://www.yourtango.com/news/bride-exposes-cheating-fiance-during-wedding-vows
More Stories: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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TODAY'S PODCAST
Saudi crown prince says unrealistic energy policies will lead to higher inflation
For months Americans and business have been telling Biden that his energy prices is causing inflation to rise, from inflation to a full blown recession. Now the Saudi prince confirms it.
JEEDDAH, Saudi Arabia, July 16 (Reuters) - Saudi Arabia's Crown Prince Mohammed bin Salman said on Saturday more investment was needed in fossil fuel and clean energy technologies to meet global demand, and that unrealistic emission policies would lead to unprecedented levels of inflation.
Full Story: https://www.reuters.com/world/middle-east/saudi-crown-prince-says-unrealistic-energy-policies-will-lead-inflation-2022-07-16/
CAR REPOSSESSIONS ARE SURGING - a troubling sign for the used car market
Full Story: https://www.cbsnews.com/news/used-car-bubble-market-repossessions-are-surging/
OTHER BUSINESS NEWS PICKS: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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If you like my podcast and would like to have more access to me, go to: http://www.lodge-co.com/tba.html Follow and support me by clicking on "buymeacoffee.com"Today's Podcast:Biden leaves Saudi with no deal on oil. Biden will conclude his visit to Saudi Arabia without striking a deal to boost oil supplies amid an international energy crunch and rising gas prices at home.
Full Story: https://flip.it/dgSmxH
Biden economy of bad policies brings us to a recession period. American's suffer.
Full Story: https://flip.it/vNN_3a
Biden says to Dems - scale back on the Build Back Better tax and spend package. Now is not the time to even consider the BBB as Americans and the nations economy is suffering from government overspend. If Democrats push this, they should not be in office.
Full Story: https://flip.it/moWUTO
Other Interesting Business News: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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If you like my podcast please follow me. If you would like to have more access to me, go to: www.lodge-co.com/tba.html Click on "buymeacoffee" and follow my blogs and podcasts on business and personal finance.TODAYS STORY: BIDEN MEETS WITH SAUDI AND SAUDI DOUBLES THE PURCHASE OF DISCOUNTED RUSSIAN OIL TO SELL TO - BIDEN
Saudi Arabia, the world’s largest oil exporter, more than doubled the amount of Russian fuel oil it imported in the second quarter to feed power stations to meet summer cooling demand and free up the kingdom’s own crude for export, data showed and traders said.
Russia has been selling fuel at discounted prices after international sanctions over its invasion of Ukraine left it with fewer buyers. Moscow calls the war in Ukraine a “special military operation”.
The increased sales of fuel oil, used in power generation, to Saudi Arabia show the challenge that US President Joe Biden faces as his administration seeks to isolate Russia and cut its energy export revenues.
While many countries have banned or discouraged purchases from Russia, China, India and several African and Middle Eastern nations have increased imports.
This discounted oil will be sold and exported to the United States if Biden gets an oil deal with Saudi. Biden refuses to sit down and meet with American oil producers and continues to degrade them. Biden has the worse energy policy that continues to drive up inflation on the American people.
Full Story: https://www.euractiv.com/section/global-europe/news/saudi-arabia-doubles-discounted-russian-fuel-oil-imports/
Every day I choose news stories that affect all Americans. To see today's pick go to: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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If you would like to have more access to me, please go to: www.lodge-co.com/tba.html Follow all of my podcasts and blogs.For a free budget worksheet to use in setting your budgets and recording your actual expense: http://www.lodge-co.com/60minutebusinessadvice.html Click on: Personal Budget WorksheetConsumer Inflation Gros: The Labor Department said Thursday that its producer price index, which measures inflation at the wholesale level before it reaches consumers, climbed 11.3% in June from the previous year. On a monthly basis, prices grew by 1.1%. Both of those figures are higher than the 10.7% annual and 0.5% monthly estimates from Refinitiv economists, underscoring just how strong inflationary pressures still are.
Full Story: https://flip.it/xnQFHL
Women in Florida Gets a "inflation Fee" at a restaurant
Full Story: https://flipboard.com/video/wesh/a4d45d9cd1
To have access to all of the important issues, go to my daily business magazine at: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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There is a good timeline on when inflation began under Biden. By the way, Biden's story on Putin, full of nonsense
Full Story and History: https://flip.it/K6SwRe
Hourly Wages have been hit hard by inflation:
Fully Story and History: https://flip.it/1mhAUl
Out of the major economic countries, The United States is at the highest.
Full Story and History: https://flip.it/PAobGs
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The twitter battle between Trump, Steve Bannon and Elon Musk. A bunch of bullies out on the school yard. Want to loose it for the republics, keep acting stupid.
Full Story: https://flip.it/2jY26F
Federal Reserve inaction will lead to a massive recession for the American people.
Full Story: https://flip.it/.0OlCs
Mexico's president has a bad meeting with Biden but allows Americans to drive across the border to purchase Mexican lower gas.
Full Story: https://www.washingtonpost.com/world/2022/07/12/lopez-obrador-biden-meeting-white-house/
The $100 Trillion World Economy
Full Story: https://flip.it/ktX6Fi
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If you like my podcast and would like to have more access to me, my blogs and podcasts, go to: www.lodge-co.com/tba.htmlToday's Podcast: We have a real problem of media and politicians not thinking before they say things. What comes out is just stupid.
CNBC host says Elon Musk could end up in jail after telling Twitter he was backing out of dealFull Story: https://www.foxnews.com/media/cnbc-host-elon-musk-jail-backing-out-twitter-deal
Jill Biden says Texas Hispanics as ‘unique’ as ‘breakfast tacos’ during San Antonio speechFull Story: https://www.foxnews.com/politics/jill-biden-texas-hispanicsbreakfast-tacossan-antonio
Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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If you like my podcast and want more access to me and support my podcasts and blogs, go to: www.lodge-co.com/tba.html Click on "buymeacoffee.com"Europe on high alert as Russia shuts down a major oil pipeline. Expect fuel prices to rise.
KEY POINTS
- Operator Nord Stream AG confirmed the maintenance works, which are scheduled to run from Monday through to July 21, got underway as planned on Monday morning.
- Russian gas flows to Germany are expected to drop to zero later in the day.
- Klaus Mueller, the head of Germany’s energy regulator, believes that the Kremlin may continue to throttle Europe’s energy supplies beyond the scheduled end of the maintenance works.
Full Article: https://flip.it/exMZtP or https://www.cnbc.com/2022/07/11/europe-fears-extended-shutdown-as-russia-halts-gas-flows-to-germany.html
Biden begins the blame game on inflation, this time it's the Republicans fault. Blame game Joe fir said it was Covid, then the Russians, and now it is the Republcians. Leaders don't blame, they find solutions. Biden refuses to find solutions and options, instead he blames others for his bad policies that affect American's lives.
Full Article: https://www.foxnews.com/media/biden-slammed-tweet-blaming-republicans-economic-problems
Full Article on when Biden Started America's Inflation: https://www.theamericanconservative.com/the-second-great-inflation/
China Banks stop depositors from having access to their life savings accounts. The question is, how safe are the US banks?
Full Story: https://www.cnn.com/2022/07/10/china/china-henan-bank-depositors-protest-mic-intl-hnk/
Crypto Issues: https://decrypt.co/104837/coinflex-entering-84-million-arbitration-against-large-individual-customer
OTHER FLIPPED ARTICLES: https://flipboard.com/@lodgeco/michael-lodge-the-business-advisor-vt0agg1bz
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WE ARE IN A RECESSION - LET'S ACT LIKE IT!
In a recent Forbes article they told the truth, we are in a recession. They write, The media, including some in the economics profession, have concluded that the “economy is strong” and there won’t be a Recession, all based on a single number from Friday’s Payroll Survey. June’s headline number came in at +372K, above the consensus +265K. Based on this number alone, markets concluded that the Fed will raise 75 basis points (bps) at their July meeting. The last point may, indeed, be true, given that this Fed reacts to lagging indicators instead of the leading ones.
Other indicators also point to weakening employment:
- In the ISM June Manufacturing Survey, the employment sub-index was 47.3, in contractionary territory for the second month in a row (50 is the demarcation between expansion and contraction), and the ISM Services Survey also showed falling employment (47.4).
- Challenger’s June report showed rising layoff announcements, up 57% M/M and 59% Y/Y. Hiring announcements fell -18% M/M, negative in three of the last four months and -6.5% Y/Y.
- The latest JOLTS report (BLS’ Job Openings and Labor Turnover Survey) corroborates the Challenger report. Job openings fell -427K in June and layoffs rose +77K.
- Initial Jobless Claims, too, have risen, now up +62K from their early April lows. From an historical perspective, a rise of +60K has often coincided with the start of a Recession. Continuing Claims (those on unemployment for more than one week) rose to +1.375 million in the latest report (through the week ended July 1) up from +1.305 million less than a month ago.
FULL ARTICLE: https://www.forbes.com/sites/greatspeculations/2022/07/09/recession-has-arrived-depth-and-duration-dependent-on-the-fed/?sh=1b1ed1f0136a
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Elon Musk back out of buying Twitter
Full Story: https://www.reuters.com/technology/elon-musk-terminating-twitter-deal-2022-07-08/
Twitter lays off half of your talent acquisition team
Full Story: https://flip.it/1lKzSU
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UNEMPLOYMENT DOESN'T CHANGE - REMAINS AT 3.6%
FULL REPORT: https://flip.it/6sm2TA
CREDIT CARD DEBT IS OUT OF CONTROL
Full Report: https://flip.it/gKfHid
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Your Paying $1,000 a month on a car?
Axios: Four-digit monthly car payments are becoming increasingly common as new-vehicle prices and interest rates spike.
Driving the news: 12.7% of buyers who financed their new vehicles in June agreed to monthly payments of at least $1,000, the highest level ever, car research site Edmunds reported Thursday.
- That's up from 7.3% in June 2021 and 4.6% in June 2019.
- 36.1% of borrowers opted for loans of 73–84 months, up from 32.8% in June 2021.
The big picture: Supply chain issues and other inflationary pressures have made new and used cars, pickups and SUVs more expensive than ever.
- New-vehicle prices are averaging more than $47,000.
By the numbers: The average new-car borrower agreed to a monthly payment of $672 in the second quarter on an average loan length of 70.3 months with a 5% interest rate, according to Edmunds.
- The average borrower put $40,602 on their tab.
If you are paying more then $400, you are crazy. But $1,000 plus a month, you have lost it.
Full Story: https://www.axios.com/2022/06/30/new-cars-trucks-suvs-prices-interest-rates
Side Gigs - for one month I am going to try several web sites that says you can make money from their site. I am testing 11 sites that offer an opportunity to make money on the side. If you watch Tictok, Facebook or even Instagraham, you will see these individuals claiming they know how you can make $4,000 to $10,000 a month. I am going to test them out and report back to you in one month. If you are doing a side gig, let me know if it is working for you, if you have tried it, and what site you are using to make money. Send your experience and your site to: info@lodge-co.com In this podcast I have given you my list.
If you like my podcast and would like to support me, go to: www.lodge-co.com/tba.html and click on the button that says "buymeacoffee". All of my blogs on business are there for you to read.
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A woman known as the "Cryptoqueen" who is accused of defrauding investors out of $4bn by selling a fake cryptocurrency has been placed on the FBI's list of its 10 most wanted fugitives.
Full Story: https://www.theguardian.com/technology/2022/jul/01/fbi-offers-100000-reward-for-help-finding-onecoin-cryptoqueen-ruja-ignatova
The Eiffel tower is reportedly badly in need of repairs
Full Story: https://www.cnn.com/travel/article/eiffel-tower-paris-needs-repairs/
What does it take to be wealthy in America
Full Story: https://www.visualcapitalist.com/net-worth-to-be-wealthy-in-america-2022/
If you would like to know your net worth, go to my website and use the net worth calculator.
Calculator: http://www.lodge-co.com/60minutebusinessadvice.html Click on the button that says - Calculating Your Net Worth
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The rent has come due for America's small businesses and at a very inopportune time. Landlords were lenient about rent payments during the first two years of the pandemic. Now, many are asking for back rent, and some are raising the current rent as well. Meanwhile, most of the government aid programs that helped small businesses got through the pandemic have ended while inflation has sharply pushed up the cost of supplies, shipping and labor. And now rent
Full Story: https://apnews.com/article/inflation-texas-small-business-13507cfbfcc49d2a3aab485ddcb45a3d
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The Commodity Futures Tradding Commission filed a lawsuit today against Cornelius Johannes Steynberg and Mirror Trading International Proprietary Limited (MTI), charging them with fraud and registration violations. The complaint accuses Steynberg of engaging in an international fraudulent multilevel marketing (MLM) scheme that brought in 29,421 BTC, worth over $1.7 billion. The agency says Steynberg also used his company MTI in the scheme, which ran for nearly three years from May 18, 2018, through March 30, 2021. The little trading that Defendants did was unprofitable, and they misappropriated essentially all of the at least 29,421 Bitcoin accepted from participants.
Fraudsters often take full advantage of new technology, global connectivity, and perceived lack of a cop on the beat to perpetrate their scams.
Full Article: https://decrypt.co/104223/cftc-declares-its-largest-fraud-scheme-case-involving-bitcoin-worth-over-1-7-billion
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Yes, they tried to scam me with a fake mediation. I had a Korean women contact me telling me that her and her husband had received a divorce in Korea, they are both now in the United States. The settlement was for $800K and the husband had only received half. Could I help her by mediating the remaining portion of the settlement agreement. So we had an agreement to mediate, I contacted the husband and he wanted to mediate. I was able to get an agreement on the terms for the final payment of the settlement, they both signed a Memorandum of Understanding with clear methods and payments and dates. The husband insisted that they money be sent to me. I said no, I am not acting as an attorney, the money needs to go directly to your former wife. He responded, but she has no means to accept payment, so it has to go through you. I told him that would not happen. The due date for the first payment has come and gone, and both wife and husband has stopped communicating with me. What they were trying to do is get information about my bank account and were running a scam. I have now learned that you have to screen clients that come in for mediation. Even mediators have scammers after them.
If you want more access to me, please visit my website at: http://www.lodge-co.com/tba.html If you would like to support my podcast and blogs, click on "Buymeacoffee". Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.
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Ernst & Young, one of the top accounting firms in the world, is being fined $100 million by federal regulators after admitting its employees cheated on their ethics exams. For years, the firm's auditors had cheated to pass key exams that are needed for certified public accountant licenses, the Securities and Exchange Commission found. Earnst & Young also had internal reports about the cheating but didn't disclose the wrongdoing to regulators during the investigation. "It's simply outrageous that the very professionals responsible for catching cheating by clients cheated on ethics exams of all things." Gurbir S. Grawal, director of the SEC's Enforcement Division, said in a release.
Today's podcast is on ethics. Ethically thinking, it's not that difficult.
Full Story: https://www.npr.org/2022/06/28/1108044858/accounting-giant-ernst-young-admits-its-employees-cheated-on-ethics-exams
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As a mediator that gets involved in workplace disputes, I am very familiar with the fact that politics is not an ethical entity and that it creates conflicts within companies who do not have the same belief as their company executives. In fact I ran a survey several months ago asking the question on how many employees were exposed to politics in the workplace. 65% said they ad. Abortion is a very touchy subject and will create even great conflicts, not just with employees but with the shareholders and customers. Wokeness offends people who have a different belief. CEO's become irresponsible when they mix business with politics. Abortion is one of the most heated debates in the nation, creating conflict on the streets, at pro-life clinics, churches and discrimination against people who believe in life. Conflict costs businesses great amounts of money every year because of workplace conflicts.
It is important there needs to be places where people can go and do their job without having politics being part of it. It is unfair to the employee because if he believes differently he will be attacked inside the office. The other issue is that by paying for travel to abortions means that other employees will be paying for something that could have been paid out in bonuses and higher wages. Even the stockholders now are paying for abortions to happen. This is not the role of the business to support abortions.
Wokeness never works and people get tired of always having to be in the presence of politics. Politics is not an ethical entity, it creates disputes, conflicts, and even violence. Leave the abortion wokeness out of business before you do too much damage to your workforce and brand.
If you want more access to me, I do mediate workplace disputes, go to: www.lodge-co.com
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41% of small businesses said they are experiencing a large increase in prices over the past six months. And about 79% were experiencing at least a moderate increase. But some locations were experiencing these hikes at an even greater rate. Supply Chain is still the dynamic issue creating these costs to go up and passed onto the consumer.
Full Article: https://www.marketwatch.com/story/inflation-is-hitting-small-businesses-hardest-in-these-cities-and-states-11656083444?mod=flipboard_pf
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65% of workers experience political conflict in the workplace. To make sure your office and business is free from workplace conflict that involves politics, you need to have a policy in your handbook that addresses keeping politics out of the office, set the rules that everyone has to follow.
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As we go into the final months of November politics, we have to be prepared for violence. Small Businesses need to lawyer up and protect their businesses from these violent protestors and politicians that refuse to stop the violence. You can fight back legally as a group.
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Today's decision from the Supreme Court on Roe v. Wade did not end abortion. What it did is put that decision to abort in the hands of the states, all 50 of them. That is how it was before a liberal court stepped in on Roe v. Wade and made it a Federal issue. It was always, per the constitution, the responsibility of each individual state to decide how they would handle the issue of abortion. It was never the federal government role to decide for the states. So abortion did not end, it just got sent back to the states to decide on abortion issues.
Now, if you are advocating violence, like AOC and Maxine Waters is doing on the steps of the Court, they are wrong and you are wrong. Violence will never give your views the message or right, it points in the wrong direction. If you are upset because you think you can't kill babies so it is ok to go out and kill other people on abortion, then you are wrong. Evil leads to more evil. Think before you speak. Think before you act. The consitution is very clear on the role of the federal government not over reaching on State rights. And that is what this decision did. It is not up to each individual state to make the decision on abortions in their own state, and it is your voice that will lead in whatever direction you believe in. That is America.
I condemn President Biden and all the other politicians that today set off anger with their words. America is not a place where you divide a nation. And with the words of a President we see no unity of a nation.
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Not much in the tank? President Biden this week called on Congress to pass a 3-month suspension of the federal gasoline tax. With lawmakers and economists alike balking at the gas tax gimmick, it isn't likely to pass. But it's still worth considering whether the proposed gas tax holiday is sound tax policy.
Don't overinflate the tires. Rising gas prices are certainly one piece of the inflation puzzle - but suspending the federal gas tax is a uniquely ill-suited policy for addressing rising prices. If policymakers are looking to change the tax code to help fight inflation, they should pump the brakes on a gas tax holiday and instead consider structural reforms at the federal and state levels.
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There is a shift happening in the housing market. After more than a year of of soaring demand, exploding home prices and increasing real estate sales, the market finally seems to be cooling off. The five signs are:
- The inventory of homes for sale is growing
- More price cuts
- Real estate companies are laying people off
- mortgage applications are down
Google says it's time for longtime small-business users to pay up. So if you are using their colander or email, or other free products they offer, it is now going to start costing small businesses.
Canada announced yesterday that if you want to haul goods you may have to get a new truck to meet emissions demands by government. We have the same issue here in the United States, they have adopted the same rules in some states (California). Some truckers have left the trucking industry because of these new demands and the government is so stupid to do this when both countries have a supply chain issue and inflation. This creates a supply chain attack on the higher costs to consumers. Government doing stupid things again.
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Home prices are starting to drop and it is picking up speed, per Redfin. On a rolling 40week basis, share of listed homes for sale with cuts to teir price is currently higher than any time since at least 2015. If you think you need to buy a home right now with inflation and inflated real estate prices, think again. You really don't need to purchase a home now with inflation and everything going up, and real estate starting to drop. Think about it.
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When I was young I went to a one room school in Seattle Washington. We have 15 kids, grades 1 - 5, one teacher, and one room. But, we had a teacher that contacted a bank and they came into the school, we were able to set up a bank account and were taught about money. I was able to save money and learned the importance of managing my money and saving. To this date I have no debt because of early school education and a smart teacher. Every highschool should have a personal finance and business education program for their students. It could even be taught by volunteers in the business community. It wouldn't cost the school districts a penny. It is important for kids to learn how to make good money decision, maybe it would keep them out of student debt by the time they get to college. There are options available besides debt. Schools need to help their students learn bout the real world of personal finance from professionals that deal with it daily. Finance education needs to be on the agenda of every highschool in this nation. Tell me what you think? info@lodge-co.com
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Here's what Powell had to say: "We saw [home] prices moving up very very strongly for the last couple of years. So that changes now. And rates have moved up. We are well aware that mortgage rates have moved up a lot. And you are seeing a changing housing market. We are watching it to see what will happen. How much will it really affect residential investment? Not really sure. How much will it affect housing prices? Not really sure. Obviously, we are watching that quite carefully…It’s a very tight market. So prices might keep going up for a while, even in a world where rates are up. So it’s a complicated situation and we watch it very carefully. I'd say if you are a homebuyer, somebody or a young person looking to buy a home, you need a bit of a reset. We need to get back to a place where supply and demand are back together and where inflation is down low again, and mortgage rates are low again."
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My real estate gut feeling says, if you think you need to buy a house right now - no you don'ts. Wait until we get through this recession and the real estate market adjusts.
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There has been no leadership in solving the inflation and gas crisis in the United States. Everyone in the nation knew it was growing and no one tried to stop it. No one sat down and put options on the table, instead they have pointed fingers and threatened those who should be working together on the problem. When you know there is a problem but do nothing about it except make the situation worse, then there is no leadership. We have no had a leader that looks at the problems and find a solution for the betterment of the whole, the people of the United States. We have had, and sill have closed minded leaders who refuse to lead. So this problem on the nation will be here for a long time until someone sits down and listens. As a mediator this whole situation frustrates me greatly because no one will sit down and focus on the issues. I wish I could call them all up, come over to the house, I have a big table and lets find a solution. But come with options to put on the table.
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Tech layoffs accelerate in June, with more than 7,000 losing their jobs so far. Redfin lets go of about 470 workers or 6% of its staff. Compass is releasing about 450 workers, equaling 10% of its staff. Both companies saw its stock drop ranging from 5% to 10%. Companies are starting to revise their financial positions to make it through a recession. Anticipating home sales cooling nationwide and rising interest rates, the two companies had to lay off workers on Tuesday.
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We are living in some tough times at the moment and it is important to be a good steward of our finances and legal issues to protect our family and our lives. If you follow these four items, and a bonus 5th one, you will be prepared to go forward during tough times and in life.
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Biden has options on reducing inflation. First, he needs to abandon his energy policies, they are not working and creating inflation. Before he zooms off to Saudi he needs to sit down with the American oil and gas companies and discuss what needs to happen to get production up and costs down. What can government do to get these refineries that were closed to reopen, what will opening back up the pipelines do for oil production and lowering the costs to the consumer. Sit down with the transportation department and find out a way to lessen the burden on truckers who make up the majority of the supply chain. He needs to sit down with the ways and means committees of Congress and discuss what needs to be done to ease the tax burden on the American people. Then, he needs to cut spending across the board in every department of the United States government. End the money going to countries that hate us that we keep giving money to. End the money flowing to Ukraine because now the country is a sponge and we can't afford sponges. It is too costly to the American people. No more new spending for a certain period of time, when inflation is lowered. But, the President will not do any of this stuff because he is so political that he only thinks politically. Leaders lead by listening. Bad leaders never lead because they don't listen and act. We have a president that does not lead, he blames and calls people names. Why would Americans have any faith in this type of President?
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A new report from Redfin shows that nationally listed rents for available apartments rose 15% from a year ago. And the median listed rent for an available apartment rose above #2,000 a month for the first time. However, rents are up more than 30% in Austin, Seattle, and Cincinnati. In Los Angeles the median asking rent is $3,400. Even in formerly affordable ities such as Nashville it's now $2,140, up 32% from last year. To buy a home the prices are so inflated that it is risky not knowing what the market will do and if a bubble should burst and drive prices down. Which has started in some markets. So we have a problem in the housing market and inflation is affecting our financial lives.
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This morning we are going over some tax and business issues to see the direction some companies are taking in this economy and how it is going to affect our lives of inflation.
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Welcome, it is a beautiful Sunday morning here in South Carolina. There is a great quote from Nelson Mandel that says, "When a deep injury is done to us, we never heal until we forgive." Zindzi Mandela, the daughter of Nelson Mandela use to be my client before she passed away from Covid. One night we were up talking and she told me about her experience with her father in prison, how she was still out fighting, waiting for her father to come home. When he was finally released and he sat down with her daughter, Zindzi was ready to continue the fight against the South African government. He said, Zindzi, we have to forgive and heal this nation. They had to forgive. Now that is a tough thing to imagine, being locked up for years by a corrupt government. Nelson went on to becoming the President of South Africa and Zindzi became the SA Ambassador to Denmark.
We as humans have this ability to remember things that happened in the past that hurt us greatly. When we are at times of stress we remember these bad times again. A friend once told me as we were talking about forgiveness, he said, "you have to look up, and say - Lord, help me forgive one more time. During this inflation time of our lives we are going to have stressful moments. To keep our mental health in check we are going to have to forgive one more time to make it through any tough time in our life. Forgiveness will help us think clearer and put thought in our decision making process of moving forward.
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Inflation rose again to 8.6%. If you have been to the grocery store or the gas pump you know it is more then that. These are the two items that have risen the most for Americans. I know I am counting every penny as I go through the aisles buying just the basics.
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In my Facebook account there was a posting from a trucker that owns three trucks and explained his hurt trying to keep his business alive. Here is a copy of it below:
Jay writes...I need to get something off my chest… I generally refrain from talking politics, and especially making political posts, however I need to say this.
What I’m going to post is real, not somebody that a friend’s, cousin’s, sister’s, neighbor has happening to them…
I own a small trucking company, and this is what the fuel crisis is doing to our country… so this directly affects me, you, our children, our country.
Today I filled up my truck to deliver products that help keep our country fed. When I filled up my truck, it cost me $1,149.50. This is ONE truck, for ONE day of fuel. I own three. So for one day of operation, it’s costing me $3,448.50. (Yes, we use a full tank of fuel every single day, sometimes more than 1 tank per day)
My trucks generally run 5-6 days a week, so we’ll just estimate on the low side and say 5. That’s $17,242.50. Last week was over $20k for ONE week, that I have to pay out of my pocket to try and keep not only my children fed, but those of my employees, and our country.
Mark my words, we are on a downhill slide to the worst recession our country has ever seen. If you don’t believe me, I implore you to do your research.
Trucking companies are going under left and right. (Literally hundreds weekly) If you’re not aware, what you’re wearing, what you’re eating, what you’re living in, what you’re driving, what you’re reading this on, was delivered by a truck.
If something drastic doesn’t change in the next few weeks/months, I promise you
, you’ll see empty shelves everywhere you look. You’ll see chaos as people fight for the basic necessities of everyday life. Food, medicine, etc...
If something doesn’t change, I pray that all of you have the ability, knowledge, and skills to fend for yourselves. Not only against those who would do you or your family harm, but to be able to find sustainable food and water.
This is a scary time. Not only for small business owners, but every single American.
So please, please do your research when we vote for those we place in power. This isn’t just on the federal level, but on the state levels as well. We have got to start making informed decision based on fact. Not because the media says we should like/dislike somebody.
Truck drivers are out here going for broke, holding onto something we know this country needs.
So if you know a truck driver, please tell them to hold on as long as they can. Our country won’t survive without them…
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From the beginning of the pandemic to now where we have inflation leading to recession, we have been screwed by the Government. Biden with bad energy policies, bad economic policies, well - no economic policies. It feels that they are intentionally trying to screw us. Politician decisions are trampling good economic policy to push a political agenda. Americans an small businesses suffer. We have to think and be smarter then the government, because they don't know what they are doing.
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As you know I am writing a book called, "Per God on Business". There is a great verse that deals with making decisions in business. In Luke 16: 10-11 it says - Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?" The whole verse is about trust, really ethics. In the next few days and months, every business is having to make touch decisions to keep their business alive. And ethics plays a big role in how you handle this economic stress in your business. Some of you are going to have to let people go. It is a tough decision, but you can do it professionally and ethically. Some of you will have to deal with vendors and let them know you will have to look at other options so that your supply chain is not disrupted, your products and services are not hurt. You can do this professionally and ethically. Sit down with your journal, jot out your thoughts and planning, sit down with your accountants and advisors, and move forward.
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I hate politics and woke politics, where companies take on social political agenda's and push it onto their consumers. Pizza Hut has a reading program called "Book It", for the month of June hey are promoting three books for kids to read on Pride Month and the diversity of the LGBTQ+ community. Every time a company takes on a social political agenda, they do damage to their company. Especially when it deals with children. They exclude the parent and go directly right to the child. Ethically that is wrong. Billions of dollars are lost every year when companies create conflict. We have seen it happen to so many woke businesses just in the past few months. Conflict with their employees, consumers and stockholders. Once you allow politics into any business it creates conflict. Politics is so unethical that it creates division and harms any business that let's it in. Businesses have to remain focused on what they do and what they can do to improve their business. Politics allows them to get distracted because it creates division. This is any politics, you saw what happened to "My Pillow" when the owner brought politics into his business, he lost many stores that were carrying his product. So left or right politics is bad for business on every count. Ethics is vital in business, unethical politics needs to be outside the business at all times.
https://twitter.com/libsoftiktok/status/1532516212864757760/photo/1
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Elon Musk announced that all employees at Tesla have to return to work - in the office. Which I agree with. Working from home is nice, but how much productivity are employers getting from you? Plus, working from the office does make you more productive and there are other issues. Working remotely is limiting valuable relationships at work. It may even be stunting some people's career development. We have also become really bad communicators and our customer care level has gone down. It's good to talk, the most advantages come from increased social interaction, clearer boundaries between home and work, and even improved career opportunities. It's time for employees to return to work in the office.
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I saw an interview with Warren Buffet the other day and he was talking about that he and Bill Gates had taken a survey. The question was, what is the most important thing in business? They didn't know it, but they wrote down the same word - Focus. Today's podcast is bout your focus.
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Here is a fun piece of information. The sales of robots from the beginning of 2022 has gone up 40%. Which means a lot of jobs are going to be replaced by robots. The healthcare industry has come to people with experience and expertise and told them, we want you to come and help us out. We don't want to hire the younger employee anymore, they have bad work habits, they don't put in a full day, and they feel they are owed something. Right now a lot of older more seasoned experienced people are being asked to come back into the work place. This is not a good message of the new graduates who have become woke in thought, where it is all about them and no one else. So, if you are starting out - build your experience level and become an expert in your field - what you are good at.
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This past memorial weekend I decided to cut out all social media, especially Twitter that creates a lot of frustration to me as I read the postings there on politics and business. So I shut it down for the weekend. Best weekend ever. We need to cut off this social media that is frustrating us because it does us no good. The less we have of politics in our lives the better and happier we are. Politics is an unhealthy politically corrupt entity, once it gets in our businesses, churches and families, it corrupts and becomes unethical. Try it. Go without social media for the weekend. Limit your time. You will feel better and become more productive.
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As a certified mediator I hear a lot of stories from families that have lost the process of parenting and don't know how to communicate with their children, and the children don't know how to communicate with their family This is where problems start. Communication, especially the process of listening and responding, focused on the issue. Problems begin when parents are so busy, the hustle and bustle of life takes over, and they forget about the process of engaging communication with their children. Some use a video game to act as a baby sitter, I have seen disputes erupt in families because of video games and an IPad. I have seen children in mediation become violent because the use of an IPad was taken away. These video games and iPads have become a conflict in families that leads to more violent acts by kids. Now is the time to engage with your children, learn the communication process, and understand that these kids are in a new world that you and I did not grow up in. But there is still time to take back the engagement process, enhance it, communicate it, and move forward. Number one rule - Listen.
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Normally my podcast is about business, I love business. But today I am thinking about the kids and teachers killed in Texas and asking, are we to blame for this? It is easy to let kids sit down in front of video games that allows kids to kill everyday. When does a game become a reality because kids now look differently at death. And I ask the question, are we to blame? Have we not engaged our kids on one on one enough and let video games and media be the babysitter of our kids? I think we need to look at this question very deep, because we are all guilty of it. Sit down and listen to the conversations your kids are having online as they play their games. They are planning attacks, what weapon to use, how many people they are going to take out. Listen to their conversations. You may think it is all in fun, but is it? Is this healthy? Does it do damage to their mental health and where death is just a game? Are we to blame?
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Twitter will pay a $150 million penalty and put in new safeguards to settle federal regulators' allegations that the social platform failed to protect the privacy of users' data over a six-year span. "Twitter obtained data from users on the pretext of harnessing it for security purposes but then ended up also using the data to target users with ads," FTC Chair Lina Khan said in a statements. I am sure that Elon Musk is doing his due diligence to make sure there are no other risk issues with this company as he plans to acquire it.
Then the question goes to us in business. How safe is your client data? Do you have a client data protection plan in place? Every business should have one. Especially tax preparers and CPA firms. They collect all of your family and financial data on you. Ask your accountant if they have a client data protection plan in place? Per the FTC a tax preparer has the same rules on client data protection rules as a bank. Any business should now have a client protection data plan in place.
FTC Statement of Twitter: https://www.ftc.gov/business-guidance/blog/2022/05/twitter-pay-150-million-penalty-allegedly-breaking-its-privacy-promises-again
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In a San Francisco Business Journal article, Sequoia Capital is warning founders of the companies they have invested in to conserve cash and slash spending. The group gave a stark warning for its portfolio companies. Cut costs now. In early May the Menlo Park-based venture firm shared a presentation with its founders in which it warned them of a pending economic downturn that will last much longer and be more severe than what happened at the outset of the Covid-19 pandemic. They said that companies need to tighten their belts.
"Companies who move the quickest have the most runway and are most likely to avoid the death spiral." Sequoia said in its presentation.
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." the venture firm said in its presentation.
Business Journal Article Link: CLICK HERE
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Mediation is the best way to resolve conflicts and disputes, rather then spending a year or more in court.
Pros of Mediation
- They can save time and money. Litigating your divorce, business dispute, workplace conflict, or any kind of dispute/conflict in court could draw out proceedings over a year. Alternative dispute resolution could wrap up your dispute or conflict within days. Even if you hire legal counsel, avoiding trial can help preserve assets, as your legal bills for appearing in court can be substantial.
- They help keep matters private. Litigation becomes a matter of public record. Mediation and arbitration are more likely to maintain your family’s confidentiality.
- They can be less stressful for children. Taking child custody issues to court means leaving decisions up to a judge. The outcome may not be what the children or parents would prefer. A trial is also usually more acrimonious and can leave children feeling caught in the middle or hostile toward both parents.
- Business Disputes Can Be Settled Quickly. Instead of going through the litigation process a business dispute can be worked out, through a mediator, to resolve the conflict. Many times it can keep business flowing and build stronger relationships.
- They allow both parties to retain control over outcomes. In litigation, a judge may resolve your issues in ways that neither you nor your partner like. Mediation and arbitration give you more control.
- They’re not all-or-nothing. You don’t have to resolve 100% of your issues outside of court for mediation or arbitration to make your divorce or separation easier.
- They don’t preclude going to court later. If you can’t work out certain issues in mediation or arbitration, you can take the unresolved matters to court.
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I have been planning a road trip for the summer so I have been watching YouTube. One of the items I will need is a camper van to make this trip in. So, I have been watching YouTube videos from vloggers to do RV reviews. What I have found out is that the manufacturers are watching to, they are watching their competition and they are listening to the comments on these YouTube vlogs. Some of the manufactures listen and make changes based on what customers and buyers of the RV's are saying. They are getting free information of customers and want to be customers - for free. This podcast is about listening to your customers.
I may have to postpone my road trip through the 28 remaining states, gas and diesel prices are so high that it would not be economical to do it right now. So, the positive - I have more time to decide what type of RV I would like. If you have any suggestions, send them to me at info@lodge-co.com.
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Yes, even during inflationary times you can start a business if you think about the flow of money which means you will need to know:
- Revenue / Income
- Cost of Gods Sold / Operating Expenses
- Net Income - that may generate a tax bill
- Cash Flow
Take a online business class or hire a business coach that can walk you through the process. If you need a coach, contact me by going to my website and scheduling time with me on-line: http://www.lodge-co.com
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This is just a podcast about children, man vs. women, transgender, changing your identity, and laughing at the whole thing.
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The recording on this podcast is from tiktok and comedian Terrence Williams. Funny guy who talks about politics with humor.
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There are times I wonder if this podcast is reaching people, if people are listening to what I say. I heard a great quote that snapped me out of this thought process because it was funny - "I feel as useless as the letter G in lasagna". I heard it and I laughed because that is how I feel sometimes with this podcast. However, I will continue to talk about issues that affect our lives, right now it is inflation and bad policies coming out of Biden and the Congress. I feel we need to be more aggressive because the economy is going to get worse. Gas is predicted to jump to $10 per gallon. We don't have enough oil production. Sub-Prime mortgages are going into foreclosures at the moment because of inflation and rising interest rates. People are not able to meet their monthly loan payments because everything is to costly. We have a lot of other issues, besides inflation, that are going to drive the nation into a very deep recession that may be considered a depression. We have trouble coming.
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Today South Carolina Senator Lindsey Graham came out and tried to justify why he is voting to fund Ukraine with $40 BILLION dollars. Now Graham has been pushing this war with Putin for years, he and John McCain went to Ukraine promising to support them. He wants Putin gone, in fact he even came out a few months ago and said someone needs to take Putin out. So my friends here in South Carolina, we have $40 billion reasons why Graham should no longer be our Senator and it is time to make a change. We need to vote people into office who understands inflation, the affects of massive overspending, and how to put options on the table that Americans can use. We can not longer afford fickle Senators like Graham. South Carolina, it's time for a change. A new voice of the people need to go to the Senate that will represent the needs of South Carolinians.
Link of Lindsey Graham "Why I support Ukraine Aid Military Putin Russia": https://www.foxnews.com/opinion/ukraine-aid-military-putin-russia-lindsey-graham
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Businesses that allow political agenda's and wokeness into their companies will create conflict. Conflict comes in many forms. Internal and external, and investor conflict. Politics is an unethical entity that if allowed inside you business will take the company into conflict. We see it in Twitter, Disney, Facebook, Coke and other businesses that decided to take a political position that created conflict. When a company becomes woke they push their main business focus to the side and become corrupted by politics. Then the conflict begins. Every business, especially during this election year, should be sitting down with their management and boards and establish ethical boundaries on politics of the company or from employees inside the company. Conflict can be eliminated by keeping wokeness politics outside the company. Every small business and big business should also have an ethical policy on politics in their employee handbooks. It needs to be addressed because politics can get out of control quickly. Unethical behavior erupts when politics is allowed in companies. Senior executives that try and push a social political agenda need to be told to stop. Political behavior can destroy the branding of a company, and we see this happening every day. People, focus on your business, not your politics.
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In the next few weeks America is going to be hit by deiseal shortages that will affect the trucking industry, delivery of food, and creating inflation to get worse. A story came out of Bloomberg yesterday that said the country of Sri Lanka has run out of petrol and is unable to find dollars to finance essential imports. They had one day left of gas. That was yesterday, so as I do this podcast they are out of fuel. One of the biggest reasons America is running out of Deiseal fuel is that we are sending a good portion of it to Europe. They use to get their fuel from Russia, and now they are getting it from the United States. However, that means America is running out and since refiners had shut down some units, we are producing less fuel. This is a direct action of Biden's energy policy.
So knowing that a food supply and fuel supply is about here in the next few weeks, that means Americans have got to get prepared. Make sure your pantries are stocked up with canned goods. You have frozen meats in your freezer. Your car is filled up with gas, never let it get to the half way mark. And make sure you have cash in the house for emergencies. The other issue, look at your car and home security. There has been a rash of gas theft out of cars and RV's. Look at your security and safety of your home. Just be prepared.
Story on Sri Lanka: https://www.reuters.com/world/asia-pacific/sri-lanka-pm-address-crisis-hit-nation-fuel-stocks-run-short-2022-05-16/
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I am always talking about the politicians who are trying to do more harm to businesses in the United States. Elizabeth Warren, Senator from Massachusetts, is writing a bill that would make all forms of businesses justify to a federal government agency as to why they are raising their prices. No government agency should be allowed to monitor, or even tell business how much or when they can raise prices. The Senator knows nothing about business. If she did, she would understand what business is about, to make money for their stockholders and to create jobs. But Warren want you to justify to government why you raised your prices. This is the same view of socialist and communist governments. This is why it is so important for all of us in business to monitor what your Senators and members of Congress are doing. Take 30 minutes a day an make sure you know what these politicians are supporting as bills in Congress that will affect your business. Remember, it is not about demarcate or republican, because both sides write some very stupid bills. Be aggressive in challenging these politicians on their thought process on business. Even on your personal side of life. Challenge your politicians.
Bloomberg story on Elizabeth Warren: https://www.bloomberg.com/news/articles/2022-05-12/warren-bill-would-require-companies-to-explain-price-hikes?sref=babSEhDq
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Right now in the United States Senate there is a bill to fund the Ukraine war with another $40 billion dollars. They are doing this knowing that by spending more money they increase inflation. Inflation is hurting the American people every single day. The Senate is pushing this to fund a country that is known for it's corruption, in fact it has made many US politicians very rich. I don't need to go into that story.
Every time the government starts to spend money ($40 billion dollars of it) it raises inflation on the American people. Now remember, none of that money is going to Americans who need it, instead it is going to fund a war that will go on and on. When was the last time we have heard about peace talks? From the United Nations - none. From the EU - none. From the United States - none. No one is talking peace, instead our politicians like Lindsey Graham keep pushing for more war. Honestly, I have had it with Senators like this. They put other nations before America. This has got to stop. Call your Senator, get the capital switchboard to light up like a Christmas tree - tell your senator to vote - NO.
Regarding Elon Musk putting a pause on the purchase of Twitter, it is not a bad thing. He is doing his due diligence of the company and asking that questions be answered. His concern is are fake accounts on Twitter make up more then 5%? It's a good question. Greater then 5% of fake business is a solid question to be asking. Does Twitter have as many subscribes as they say they have - real ones. This is part of buying a company - scrubbing the numbers.
Quote of the day: The happiness of your life depends upon the quality of your thoughts. Marcus Aurelius
Fox Business News on Twitter / Musk Deal: https://www.foxbusiness.com/markets/elon-musk-tweets-that-deal-for-twitter-is-on-hold
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Last night the US Senate voted on the Roe V. Wade Codification bill and it did not pass. 49 - 51. This bill was much more then just codification, it went out and changed several state laws without the states being able to debate it or fight it. However, it did not pass. Elizabeth Warren then immediately went out to the press and demanded the the filibuster rule in the Senate be removed. You have to understand that this rule allows either side to fight a bad bill. It has been around for ages. If taken away it will not allow a debate on a bill and it will go straight to vote. Yes, government may be slow at times, but when you take away debate on a bad bill, then we as Americans are in trouble. So, I am happy that it was defeated and we move forward. Remember, whatever you see in the Congress and Senate is pure politics, trying to get their base of voters going. Dirty rotten politics.
Also, Biden yesterday canceled a few oil leases. Why? Because they were in legal lawsuits by environmental groups. There are 22 of these large number of leases that are in legal limbo. But his politics says that the oil and gas companies are not producing so he is taking them away. Don't believe the President on this one. It's all politics. Now you are asking the question, if a barrel of oil goes down then gas prices should come down? No, not all the time. Biden's energy policy has created so much stress on oil refineries that many have shut down. We are operating with fewer refineries and the cost of refining has gone up. Thus, gas prices goes up - we are producing less fuel, less inventory. Again, it points back to Biden and his policies. He has stood in front of the American people and lied and said it is not his policies. Yes, it is his policies. Some refineries had to close because the Biden energy policies made it to costly to produce gas, they were loosing money on them. Again, remember all of this is dirty rotten politics of a President that doesn't care if you are paying more for gas that raises the costs on everything. He doesn't care. It's all politics to him.
Fox report of fuel: https://www.foxbusiness.com/politics/biden-admin-cancels-oil-gas-lease-sale-record-high-prices
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Last night 219 democrats, 149 republicans voted to spend another $40 billion dollars on Ukraine. Sending it to a country where they are corrupt fighting another corrupt nation. These 149 republicans have been on every single TV news shows yelling at the democrats for creating inflation by overspending, and then the republicans goody shoe politicians vote to spend more money. These are fools in Congress. I call them whores for power. However, both parties are not to be trusted with the money we send them through our taxes. Our only defense - our vote. We can start making changes. The only problem is that good people go to Washington to make changes and then become the problem. Over spending will never help this country. Expect inflation to get worse, not better under these politicians.
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In the early hours of a February morning in 1986, Ferdinan and Imelda Marcos flew into exile. After 21 years as president of the Philippines, Marcos had rigged one too many elections. The army and everyone had turned against him. Philippino's ransacked the Presidential mansion and found thousands of shoes, diamonds, paintings, and to this day over $10 billion dollars is unaccounted for. And yet, knowing all of the history of the Marcos family you vote the son of a crook to become President of your country. So you think things will change? You don't think the Marcos family has kept names of people that went against them? Vengeance is the Marcos family. Imelda's LV bag is open, waiting for the money to flow in. You see, corruption never ends in the Philippines because you keep voting in corrupt leaders. Elections matter, and you chose to go in the same old direction of corruption. You see, we Americans still remember. We never forgive corrupt leaders.
However, America did the same thing. We voted in a corrupt family as President. We have the same problem here in the United States. However, we make corrections - quickly.
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I posted a picture of a gas station sign that showed old gas prices and it was really a joke sign, kind of. The numbers were right but there was a sign also that said, these were the numbers before Biden took office. Which is true, they were the numbers where I live. However, Facebook said it was misinformation. So it looks like the HHS office of misinformation is working with Facebook now to remove jokes and messages about Biden and his higher gas prices. In fact, even this podcast will probably be tagged as misinformation. All you can do it laugh about it. But the gas numbers were right. When I moved here to South Carolina the price of gas was below $2. Now it is over $5 a gallon. No lie to that, not misinformation, I have felt it in my debit card when buying gas. Todays podcast is about Facebook and the economy - go ahead - factcheck me! It's a joke people at Facebook.
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Over the last few days I saw where protestors and supporters of abortion are going into churches and disrupting services. They have vowed to do it in churches on Mothers day. We have some evil people out there that are driven by evil politics. Going into a house of God and corrupting it with politics is evil. If there is no God in peoples lives then everything evil is permitted in their minds. However, the best part is that the love for moms is so strong that is shuts out the evil of politically driven people. Be happy. It's your day. At some point in your day, a child is going to go up to you and put their arms around you and say, Mom I love you. Put those words in your memory bank and bring them out when there is chaos, anger, happy time, sad times, and always remember you are loved. The love you have shown to your children will come back to bless you ten times more. You are blessed as a mom.
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HAPPY MOTHERS DAY
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We need to start shutting down the political noise and start making good old fashioned commonsense decisions. Stop the politics. Decide on what is good and bad, or ethical or unethical, an that is right and wrong. The politics is a corrupt evil in our nation and it is creating a problem for us all to focus, to use commonsense. Ethical commonsense.
We have an inflamed economy where everything we touch costs three times as much as it did. When we go into the store we are counting the costs of the items we are placing in our baskets. We are making economic decisions right on the spot. People would like to purchase homes but the real estate is so highly inflated and the interest rates are rising, so now is not the right time to buy when we know in our gut the market is going to drop and foreclosures will begin. So now, commonsense tells us, now is not the time to buy. We don't have the cash flow to support big purchases, everything in inflated so commonsense says that now is not the time. Follow commonsense. Think it through. Take 24 hours to make a major decision, use the commonsense approach to make your decisions.
I am going to talk about inflation and making business decisions over and over again, because it is so important for you to understand that where we stand in time at the moment and that inflation affects our finances greatly. And how we manage our finances is an important part of taking care of our lives and families.
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Today Biden held a press conference on Roe v. Wade and the economy. On the economy he said nothing to show there is a plan from the Whitehouse to improve Americans financial lives, instead he bragged about an issue that does not affect Americans daily lives. America is going into a recession and it is now time for all of us, especially in business, to re-adjust our businesses to fight the recession problems coming our way. We have to adjust and work on our debt, how we run our companies, and how to move forward. Now the big part of this puzzle is what is Biden and Congress going to do next? So we pause and adjust.
The other issue he talked about was Roe v. Wade, and he went off into make believe tangents. Trying to scare, but he was just adjusting his target because his liberal policies have failed so bad. So Roe v. Wade has again become an election topic, attack, on Americans. So I want you to listen to my story and see if you understand why I am against abortion because of my own life story.
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I woke up this morning and found out that the Supreme Court had been attacked by a liberal activist inside the court that compromised the court by leaking a court opinion. This is not acceptable. It puts our court and constitution at risk because of politics.
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Law and order is vital for American small businesses in communities where DA's have decided that it is ok to rob stores. It's not the police officers fault, it is the District Attorneys law for not enforcing the laws and protecting small businesses. Crooks are walking into stores and just taking them. No one can stop them. The DA will not prosecute. In California crooks take stuff less then $900 because that is how the law is written in California. Business suffer and have to shut down. Killing jobs and businesses. We have got to become more aggressive in our pressure on District Attorneys in upholding the rule of law - prosecuting the criminal.
If an election for a DA is in your community, follow the dirty money from far left or Soros. If they are being funded by dirty money, crime will increase in your community. If people support the notion of defund the police, vote them out of office. Small Businesses need your help. Support them, protect them, be aggressive with the DA's offices. The rule of law is so very vital to all of our communities.
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Thank goodness it is Friday, we made it through another week of nonsense. Biden wants congress to approve another $33 Billion dollars for Ukraine, as Americans are threatened by a border crisis and a recession in the economy. Every American should say no more money to Ukraine, and any member of Congress who votes for more spending should be voted out of office.
Small businesses are in trouble, restaurants are in trouble, and the American family finances are in trouble. Banks are starting to lay off their mortgage departments and asking if realtors can take on foreclosures. A price of a watermelon, where I live, is at $10 for one. American's saving have dropped significantly for the month of March. Confirmation that savings boom is over: personal savings rate fell to 6.2% in March, lowest since 2013. People are being hit with inflation that their bank accounts can no longer hold money, it is being eaten up. Face - credit card debt has significantly jumped.
I am not even worried about Elon Musk, he has enough to survive on. But some Americans are complaining, moaning and groaning, but who cares. Nothing to get worried about. When conservatives were all upset about censorship, they left Twitter. But now they are back. Now liberals are mad at Twitter so they are leaving. But they will come back. It is nothing but a nonsense cycle of Americans that got their feelings hurt. I don't care.
But I do care about the economy and Americans. I want economists, banks and Wallstreet to finally tell the truth and just say we are in a recession. Not almost, maybe there, or could be, just be honest and say - we are in a recession. If you can't say it, I will form a group of recovering economy deniers and you can say to the American people - Yes, we are in a recession.
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All of us would like to sit back with a cup of coffee and think about, if I bought Twitter, what would I do? What changes would I make? What other options for users would I add? And the list goes on. In this podcast I fantasize about what I would do if I owned Twitter and to deal with issues in the company. We all have had our issues with Twitter, especially if you are producing content on Twitter on a daily basis. Twitter has had a strong arm of censorship in the last two years, in fact it got dangerously out of control. Political activism was very strong in Twitter and they made some harsh calls on people and organizations. Even Twitter has admitted to that issue. However, those same employees who made those harsh calls are still in the company and being very verbal about their new owner. That has to be dealt with in a professional manner where business ethics ends the political activism in their business decisions. I like Musk's response yesterday that Twitter needs to be a neutral place where what they do makes the left and right equally mad.
If you feel, as an employee, you have the right to push your own personal political views and agenda on people in a company, or their customers, you are wrong. Your job as an employee is to make sure the operations and systems in Twitter is doing what it should to provide the customers with the best experience ever. Your opinion on politics in business does not matter. Politics is not an ethical entity, and once it is allowed into a company it creates conflict. That is what happened at Twitter, they were no longer neutral, they became political activists. If you look at all of the companies who have become political activists, they have had failures and have hurt their shareholders, and the value of their company. So Musk has a challenge to express what his goals are going forward and what is expected out of each employee that remains with the company he bought.
If you want to read my blogs and podcasts, go to: www.buymeacoffee.com/michaellodge. I hope you follow and support me there.
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If you have any business questions, send them to: info@lodge-co.com
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Senator Schumer announced that to help inflation it is time to raise taxes. Is he out of his mind? Has he lost the only marbles left in his head? Did they not learn before that by raising taxes and spending that it hit Americans hard with inflation, that has now led to a recession? Do they know nothing about the economics of American life or is it that they just don't care? I have a feeling it is that they just don't care. You see when politicians go to Washington it becomes all about the power they have and the kind of money they can spend. You and I, Mr. and Mrs. Taxpayer are no longer cared about because their drive is to spend because power comes with spending our money. So Schumer has lost his ability to think for the American people and do what is right, instead he has a political agenda he wants to push that will attack the financial lives of Americans. Poor or rich, we all get hit.
But we can do something, and that is act proactive on our own personal finances. Protect our own families and lives by sitting down and planning well. If you want a free budgeting and planning worksheet, I have one for fee at my website: https://www.lodge-co.com/60minutebusinessadvice.html Click on the "Personal Budget" tab. There are no strings attached, nothing is being sold to you, just use it, adjust it to meet your needs, and start sitting down and get your spending under control. If you need any help, schedule an appointment with me on-line.
The other vital aspect of our lives on government is our vote. When you go to vote from this time forward, look at the candidates. Did they vote for more spending and taxes? If they did, vote them out of office. And this vote goes for both Democrats and Republicans, or Independents. Vote them out of office - it's the ethical thing to do.
If you like my podcasts, please help me out by supporting me at www.buymeacoffee.com/michaellodge All of my daily blogs are there also.
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Remember a one or two years ago the conservatives did not like what Twitter was doing so they all vowed to leave? And here we are today with conservatives going back to Twitter and Liberals leaving. It is a repeat of history, just a different group. So we have copycats in the world of Twitter. Instead of staying and debating the issues, listeners don't want to play anymore so they run. I did the same thing when all this stuff was happening at Twitter, I left, but I didn't leave long because I went to sites where everyone thought the same way. There was no new ideas or debate. I went back to Twitter because I want to hear the ideas and passion of other people. I wanted a good solid debate, not the hashing of all the talking points that is going on. So if you are thinking about leaving Twitter because you don't like what may be said, then you are a weak sole. But, if you want to debate the issues and find common ground - stay in Twitter. It's good to debate.
If you like my podcasts please support me by going to: http://www.buymeacoffee.com/michaellodge You will find all of my blogs and podcasts there, and extra items for you to consider.
If you would like to know more about me and what I do, go to: http://www.lodge-co.com
I you have a business questions, send it to: info@lodge-co.com
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With every acquisition there comes change. Some people will be weak and run. They are unsure of change. Great quote, if you are unsure - change! I have been involved in several acquisitions and my job was to go to the various offices of the new company and find out what was going on with the employees. I sat and I interviewed each one, finding out what their views are. Some did not stay, they couldn't take it. The ones that did stay excelled and grew and took on new opportunities. They adapted to change and learned from change. Now with Elon Musk you are going to be working with an individual that has built things from nothing and he understands change and adaptability. You can learn from him and his team. Take on the challenge of change.
Now if you think your role is to push a political agenda, then you are wrong. Your role is to work for the customer and make their experience better. There will be a new rules of engagement that you will have to adapt to and it is not a political one. You role is to enhance twitter as a business, not as a political machine. No company should become a political agenda driven company, it never works and it creates far too much conflict. So, if your still going to be political, it is better that you do leave, because Twitter is a business.
If you like my podcasts, please read my business blogs at: http://www.buymeacoffee.com/michaellodge or to find out more about my firm go to www.lodge-co.com
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We humans are scared of money. We make big mistakes at how we manage our money. So we need to think about some of the mistakes that we make. During inflation times - we can't afford any mistakes. This podcast we are going over some mistakes that we make. Rachel Cruze has put out 12 money mistakes people make, we will expand on these mistakes in the podcast. We just can't afford to make money mistakes.
If you like my podcast, please support me by going to http://www.buymeacoffee.com/michaellodge There you can read all of my blogs that I write every single day to help you understand the terms of business and personal finance, as well a taxation. It may sound boring, but vital for you to know.
If you would like to have a free budget excel spreadsheet to use, go to: https://www.lodge-co.com/60minutebusinessadvice.html If you need help is putting together a budget for your personal finances or small business, let me know. Schedule an appointment with me at: www.lodge-co.com Let's get it done.
If you are having an issue that needs mediation, also schedule an appointment online at: www.lodge-co.com
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Over the past few episodes I have been talking about personal finances during these times of inflation. Part of the problem inflation is that it creates a huge amount of stress financially that leads to conflict. In this episode we talk about conflict and ways to resolve it. Working on our communication skills to focus on resolving conflict and staying focused on the issues instead of pointing fingers at each other. The important aspect is to work on these issues together. Resolving conflict together or through a mediator that can get you back on the right path.
If you like my podcasts and would like to read my daily blogs, please go to: http://www.buymeacoffee.com/michaellodge
If you have a question, please send it to: info@lodge-co.com If you would like to schedule an appointment with me, go to: http://www.lodge-co.com
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It is so easy for us as humans to be feeling down and decide on impulse to go in an buy something, just for us. Big no no during inflation. Remember, you are living on a budget at the moment and you have to be focused on the money coming in an out. Impulse buying will make you feel better for about 2 second, and when you walk out of the store you don't feel that good and you are now in debt. This podcast is about impulse buying that the majority of Americans, and around the world, are guilty of.
If you want to read all of my blogs, vlogs and podcasts, go to http://www.buymeacoffee.com/michaellodge The next couple of months we are talking about financial and tax terms that we all should know. Follow me and if you would like - buy me a coffee.
If you have any questions send them to info@lodge-co.com if you would like to have a session with me go to my website and schedule it online. http://www.lodge-co.com
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When I was in grade school my teacher had a bank come to the school every week so we could have a bank account and put our allowances that our parents gave up in our accounts. I learned to save. When I got to highschool, we were taught home economics and mechanics. We were taught how to balance check books, budgets and how to cook and make stuff. In college, everyone was required to take a course called, "Marriage and Family Life". We got no credit for it, but we were required to understand the responsibilities of family budgets and the commitment to marriage. I would argue, that to start learning about money when your a kid, makes you a better adult because you have learned early on the importance and responsibilities of money. I would even argue, that all schools should be teaching their kids about their personal finances. At school and at home. Parents have the responsibility also. Make time!
Through the month of April and May I am writing blogs on financial terms and we all should know, taxes and personal finances. You can find them at: http://www.buymeacoffee.com/michaellodge Follow me there, you don't have to sign up for a subscription, it would be nice :-) but go there and read and get financial terms knowledge to be able to teach your kids on. And you need to know it also.
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If you downloaded the excel budget spread sheet, like I asked you to, now it is time to decide what decisions you need to make with the knowledge you have now. What are you going to do with that bottom line? Again, this is a decision you make together if you are married or living with a significant other. This podcast gives you direction to focus on. Again, you can download that budget by going to: https://www.lodge-co.com/60minutebusinessadvice.html
If you want to get more access to me and my blogs, vlogs and podcasts, go to www.buymeacoffee.com/michaellodge
Website: https://www.lodge-co.com/tba.html
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All of us, single, married, significant others, have to sit down together and put your budget together. During inflation you have to be a good steward of your finances, otherwise you just will not make it. On my website at https://www.lodge-co.com/60minutebusinessadvice.html there is a free excel spread sheet for you to use. It goes through the process of budgeting, and it compares budget vs. actual expenses. It is so very important to know how we are using our money and are there any adjustments that can be made. One other issues, if you are married or living with a significant other - do it together on a month to month basis. Choose a date and time each month that it is your time together to budget and record expenses. Do it together.
If you like my blogs, vlogs and podcasts, support me by going to http://www.buymeacoffee.com/michaellodge
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Everyone should know what their personal inflation rate is. The other issue you need to start thinking about how you are going to manage your personal finance and set up budgets.
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It's an Easter Sunday. Time for God and the thought of forgiveness. Which starts with you.
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The game playing has started, an offer is on the table, Musk offered and now Twitter needs to decided what is best for their stockholders. Not the board, the stockholders.
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Welcome to the first podcast of "The Business Advisor". We will be talking a lot about inflation, business, management, taxes, mediation and settling disputes, mostly business. We invite you to follow us on a daily basis.
If you would like to read all of my blogs, vlogs and podcasts, follow me at http://www.buymeacoffee.com/michaellodge
Get bonus content on Patreon The best place to learn about business is by joining our daily business podast: https://plus.acast.com/s/the-business-advisor.