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Please patronize our advertisers and support local business, thank you. Liberty News & Views

Liberty News & ViewsEstablished

1984

January 2009 Serving Walton HillsMission: To provide accurate information, improve and support the continuation and development

of local area businesses, job creation, job placement and training.

Joseph V. MestnikEditor

Dear Reader,

The Walton Hills Owl was published for 52 years bymany dedicated residents who understood the needfor accurate local news and other useful informationabout clubs, organizations and village news. Forseveral years my cousin, Bill Deak, voluntarilycollected articles, layed out, edited, servicedadvertisers and printed the Owl. Bill retired from Forda few years earlier and had some free time. A host ofvoluteers collated, assembled and distributed the finalproduct. In 2003, Bill decided he was just unable tocontinue with all this work and responsibility and

wanted to enjoy his retirement years with his wife Jean. The board of directorssearched for a printer, while Jean and Bob Kainsinger agreed to layoutand edit the Owl. Without finding someone to print, Bill called and asked if Iwould be interested. From time to time I would help Bill, whenever he hadtechnical questions about printing and press operations.

Knowing how difficult starting and publishing a newspaper can be, Iagreed to print the Owl. During the past 5 years, Walton Hills was wellserved by the Kainsingers, many other dedicated volunteers and me, theprinter. The monthly schedule was completed on time and with quality.Unfortunately, due to circumstances beyond anyone’s control, thecontinuation of the Owl was just not practical and the board of trusteesdecided to cease publication.

$640 Million in Adjustments toMaintain Ohio’s Balanced Budget

I ordered $640 million in budget adjustments tomaintain a balanced budget as the accelerateddeterioration of the national economy continues todeprive Ohio of revenue.

This reduction is in addition to the $1.27 billion inbudget adjustments already undertaken this year, fora total of $1.9 billion in budget adjustments over thebiennium. This is in line with the Office of Budget andManagement’s recession-based scenario, outlined inJanuary 2008, which had forecast a $1.9 billion totalbudget deficit if the economy fell into recession. Earlierthis month, economists agreed that the nationaleconomy has been in recession since December

2007.Ohio’s budget circumstances are substantially worse today than they

were just 12 weeks ago. I believe that taking this action today is necessaryto make sure the state budget remains balanced and agencies have timeto plan. And we are making this decision while continuing to protect thecollege tuition freeze and foundation funding for local schools.

The budget adjustment plan includes a 5.75 percent across-the-board

Ted SticklandGovernor

(continued on page 6 the Editor)

Open Invitation To Public Officialsand Public Employees, Clubs,

Organizations & Religious Groups

In keeping with the mission of Liberty News and Views to be ofservice to the people, those who were elected or serve and work ingovernment positions may submit articles for publication about issues,on a space available basis. Articles critical of elected officials will notbe published. The articles should be 1½ - 2 pages in length (300-400 words) and e-mailed to [email protected] in MS Word orMS WordPad format. Pictures are also welcome. Clubs and otherorganizations may also submit articles and pictures, schedules ofevents, and fund raising activities.

Liberty News and Views reserves the right not to publish any articlesubmitted.

Joseph V. Mestnik, Editor, Liberty News & Views

History’s Largest Ponzi Schemeby Jeff Greene, CPA

The past year has taught me a few things about finances and aboutpeople. Probably the biggest lesson is that just because someone is richdoesn’t make them smart. Bernard Madoff swindled some of the richestpeople in the world with history’s largest Ponzi scheme. He got people toinvest because he promised and seemingly delivered consistent returnsyear after year regardless of market conditions. He used the cachet ofexclusivity to get more money. You could only get in if you had more than$20,000,000, you needed to be introduced and you had to take at facevalue his “secret” method of investing.

Of course, now that he has been exposed, the hindsighters are comingout of the woodwork. There are several individuals who actually did writethe SEC questioning his results and other advisers who told clients not toinvest with him. Mr. Madoff’s supposed investing results could not beverified by other investment managers, Mr. Madoff’s firm was audited by asmall CPA firm, he cleared the trades through his own firm, prepared hisown statements and was very secretive about his methods.

(continued on page 12 History)

School Funding inOhio…an ongoing saga,

and one Board ofEducation Member’s

PerspectiveBy Andrew C.M. Mizsak, M.A.P.

In February 1995, as President of the FreshmanClass at Bedford High School, I, along with my fellowclass presidents were summoned to the Principal’s

Office. We were called not because we did something wrong, but becausewe were needed to communicate to our classmates the dire situation Ohio’sway of funding public education.

(continued on page 10 Mizsak)

Andrew MizcakBedford SchoolBoard Member

LIBERTY NEWS & VIEWS

Grow Your Business in 2009!by Bob Schultek, Business Consultant

One of the joys I rediscover each holiday seasonis the opportunity to start fresh at the beginning ofthe new year. Few of us will miss 2008, but aheadlies the hope of a future year that can be better thanthe last, if we plan to make it so. So, plan to growyour business in 2009!

While we have been confronted for many monthsby a steady stream of negative news, there is goodreason to believe in a 2009 that encourages growthas the year progresses. Hearing the constantdrumbeat about our economic difficulties and

(continued on page 14 Grow)

Bob Schultek

Liberty News & Views Please patronize our advertisers and support local business, thank you.

© Copyright 2009 Liberty News & Views

When the Walls Are Closing InBy James E. Kaplar, Ph.D.

Sometimes we find ourselves in a position where the walls seem tobe closing in. Things are going wrong. Bad news hits unexpectedly. Thefuture no longer looks secure.

Because the initial shock passes but the problem doesn’t go away,it’s imperative to gain a sense of perspective, plot a course of action, andgenerate optimism.

To gain perspective, take stock of the positives and negatives inyour life. Take a few minutes to list them out—either mentally or on paper.You’ll probably find more positives than negatives. The positives werealways there, but were so much a part of everyday life that they didn’tstand out.

Ask yourself what the worst possible outcome could be, identifythe best possible outcome, and come up with five or six possible outcomesbetween these extremes. Arrange the entire set of outcomes by degree ofseverity and actual probability. It will be reassuring to realize that you havebeen doing “catastrophic thinking.”

Self-esteem, self-confidence, and social interaction can be affected,so build a support network. Surround yourself with those people in yourlife who believe in you, who respect you, who care about you, and wholove and value you. Reach out to them for encouragement and assistance.They will be more than glad to be there for you emotionally and to helpyou in any way possible.

It’s often beneficial to seek out expert advice. You’re so close tothe situation and so much a part of it, that it’s nearly impossible to be

totally objective. Also, there may be helpful specialized knowledge andexperience you don’t possess.

Finally, a spiritual mindset is valuable. Instead of becomingobsessed with all the possible negative scenarios, try to trust the processand to have faith in a higher order of things. There may be a bigger picture—and some larger, positive outcome—that you don’t yet know. 440-248-5454Dr. Kaplar’s email address: [email protected]

Copyright 2009 by James E. Kaplar, Ph.D.

St. JohnWishing all of our friends and neighbors a

Happy & Prosperous New Year,but most of all a Very Healthy 2009!

The St. John Family

Funeral Home

Our family is now in our 96th year of funeral service, four generations tracing back to 1913. We have always strived to provide the finest services forall families and we continue to enhance our facilities for the convenience of those we serve.

To us, service is a ministry, a vocation that we are very proud of. We provide the finest service and we are available with information and guidance.Compassion and kindness are our trademarks. We help, we serve.

THE ST. JOHN FAMILY

Chuck, Lois, Sue & Chris St. John

Walton Hills

Registration for 2009-2010 will begin in February. Pleasespread the word to your friends and neighbors about ourschool. An Open House will be scheduled in February. Pleasecheck our voicemail for details.

440-735-5001 #4561

Co-opPreschool7166 Dunham Road

923 Broadway Bedford, OH 44146 440-232-1155


Joseph V. Mestnik

Have you ever thoughtabout starting a home

based business?In 1979, while working for the Twinsburg Banking Company as a commercial loan officer, I was supporting andraising a family. The bank president asked if I would like to attend the graduate school of banking. Of course I saidyes, who wouldn’t? The school required writing a thesis. I decided I would write my thesis on what caused businesssuccess. My bank experience included working with hundreds of bank customers. Some were successful and otherswere not. I kept asking why were some so successful and others not? That was the question.

I watched two companies have miraculous turn arounds. One company had a deficit of over $1 million and theother over $125 thousand, in two years both wiped out their deficits and became successful companies. A thirdcompany went through a bankruptcy. Why? I thought to myself, certainly I can learn something from those two

turnarounds. The president of the first said the most profound statement I had ever heard. He said, “I didn’t know what I didn’t know.I didn’t know what to ask!” This is the situation most of us find ourselves in frequently.

My research revealed some amazing secrets about what the first two did, what the third did not do and who was involved. One dayduring my first year of research, my very first commercial loan customer came in and said, “I am out of business. I can’t buy a hundredpounds of steel, if my life depended on it.” There was another customer who was in the printing business that was in collection andclose to bankruptcy. Both of these were willing participants in my research. During the following several months, I took what I hadlearned from the first three business and applied this to the test companies. Both of them had miraculous turn arounds, just like the firsttwo.

In 1979, I started my own home based business. I had doubts about doing this at first. I had a secure job at the bank, but one day I madea sale and made more money in 45 minutes than I did in a whole year of working for the bank. Need I say more?

If you are sitting around wondering how am I going to make ends meet and you are ambitious, creative, and willing to learn, you too canstart working for yourself and never again have to worry about what’s going to happen to your job or what your earnings will be!

During the course of 30 years, there has been many lessons learned. You can start a home based business with nothing more than yourgold mine between your ears. Yes, your mind is a gold mine, but few have ever learned to use it properly. If you have started a business,but are faltering from time to time, the lessons I can share with you can change your situation. One of my consulting customers wentfrom $1 million in annual sales to $10 million the next year.

You will learn how to:

identify your strengths and weaknesses how to work with your strengths use sweat equity to your benefit make a plan and work your plan develop a marketing strategy how to budget your time how to get up when you falter start with little or no money use the gold mine between your ears avoid pitfalls establish time lines not drive your spouse crazy!

Call for a no obligation appointment today. There is no time to waste. Your goals andabilities needs to be expanded to fit your dreams. While you are reading this, there are somany opportunities being missed within just a few miles of where you are now seated.

Let’s share some ideas and see where they lead you!

Don’t wait. Call today. I can be reached at 440-232-2080.

Joe


Joseph V. MestnikEditor

Editorial

Hang on to yourwallets folks!

The taxman cometh!Over the years, governments in Ohio have developed

taxing methods to meet current and future operatingexpenses. The current model for the federal, stateand schools is broken without a fix in sight. The causeof this situation is complex, however, the root cause

of the problem is, in the past, there were no consequences for thosemaking horrendously bad decisions. This is particularly true for theBedford School District.

When I was first elected to the Bedford school board in 1989, my firstorder of business was to look at our financial condition. One major concernwas the extent of the various employee benefits. The pension obligationsstuck out like a sore thumb. 24.8% of wages were and are paid into thestate pension system. The obligation to pay retirement benefits falls on thetaxpayers of Ohio regardless of how the pension trust funds are managed.In other words if the trust funds go bust, the taxpayers are still obligated topay the benefits to pensioners. (While working as personnel director forthe Twinsburg Bank, I was responsible for all benefits and restructured thepension plans and know pension inner workings. I spent over a year and ahalf researching pension benefit. There are two different types: 1. moneypurchase and defined benefit. Money purchase are actual funds set asidefor benefits and 2. Defined Benefit, which is a promise to pay benefitsregardless of what happens to the trust funds. Ohio funds are all DefinedBenefit programs.)

When I asked for the actuary assumptions from Grace Drake and FrankMonic, our state senator and representative respectively, I was told I wasnot entitled to this information. This was very troubling. I then told Rep.Monic that I was entitled to all legislation governoring trust funds andrequested he mail them to me as soon as possible. A few weeks later Ireceived a packet with the legislation governing PERS, STRS, Police andFire, Workers Compensation and a trust fund in Columbus. In the preambleof each fund it stated clearly this was all public information and available toall. Combining the assets of all the Ohio trust funds was $115 billion in1991. The yield for the previous ten years was 6%. (The average insurancetrust fund for this same period was between 11-12%.) Mike Wise waselected as our new state representative and he was able to obtain theactuary assumptions for STRS. The actuary for STRS was and is Buckand Associates out of Chicago, Illinois. There are over 35 acturary firms inOhio, why Buck in Chicago?) I took the actuary assumptions to Bill Napolian actuary with Tower and Parin. Bill analyzed the assumptions andperformance of the investments and said the trust fund investments wereunder performing and pension obligations over benefitted. The worst ofboth worlds.

The school board, administration, Bill Napoli and I met with Grace Drake,Judy Shearer, Jane Campbell, and Mike Wise our senators andrepresentatives and went over our findings. Our state senators andrepresentatives went back to Columbus and over the next year started therestructuring of the trust fund investments. The investments started yieldingmuch better returns. In 1994, Workers Compensation had huge excessivefunds and refunded $1 billion dollars to Ohio companies and reduced thecontribuition rates saving billions of Worker’s Comp fees. I was expectingSTRS, PERS and Police and Fire to do the same, but oh no, they hadmore money and rather than reducing the contribution rate, increasedbenefits to current workers and existing pensioners. The defined benefitobligations are worse now than they were in 1994 and the contribution rateis still 24.8% of wages with proposals of increasing this rate. What is worse,there is no accountability to the taxpayers in Ohio. More about this in laterissues. Millions of dollars every week are pouring into the trust funds frompublic employees and governments, however, we are all at risk, becauseno one is watching the store.

When I was re-elected in 2003 to the school board, I met with JimTrakas, our state representative at the time. I told him about the abovehistory of the trust funds. About a year later the scandal broke aboutWorker’s Compensation being swindled out of millions by a rare coin broker.I called Jim and said to him, “I didn’t want to tell you I told you so, but I toldyou so!” This situation still exists, no one is watching the store.

Ken’s K-9 & Kat Kare

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WALTON HILLS

FIFTY PLUS CLUBNancy Krul, Publicity

Meeting: Monday January 19, 2009 1:00 p.m.Walton Hills Community Room

The December meeting was held at Casa Bella Party Centerwhere we celebrated with our annual Christmas dinner. Weenjoyed a delicious meal at tables set with festivedecorations; at each place setting was a lovely favorcontaining candy and, in addition, was a hand-knittedminiature stocking adorned with a tiny metal heart made byour President, Madeline Timm. The main decoration was abeautiful Christmas tree, “A Giving Tree”, which wasdecorated by our members who donated hats, gloves,mittens, and scarves to be given to area children to keepthem warm. The tree was overflowing with the generousgifts.

The program for our January meeting will be “SMILE!” DentalHygiene for Seniors. If you need van transportation, pleasecontact Lisa or Carol at 440-786-2964. Advance notice isrequired. If you are a Walton Hills resident who is at leastfifty years old, we invite you to join us. We meet on the thirdMonday of each month from September through May. If youwish to join, the dues are $10,00 per year which includesthe cost of refreshments. We enjoy great programs, goodfellowship with our friends and neighbors, and deliciousrefreshments.

HAPPY NEW YEAR TO ALL

EMPIRE TREESERVICE

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EMPIRE TREE SERVICE has proof of:$2,000,000 Liability Insurance &

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(Continued from page 1 The Editor)The need for a continuation of news and service to Walton Hills and

the need for local business support continues. In 1984, I started LibertyNews and Views for much the same reasons the Owl was created to provideup to date information to the citizens and to provide a forum for local publicofficials.

Free Quotes!

(continued on page 6 Governor)(Continued from page 1 Governor)

cut to state agency spending levels while holding harmless key programs.The plan also anticipates a 6 percent increase in the federal share ofMedicaid payments early next year. It appears clear that the federalgovernment will include aid to states in any economic recovery package.While we do not yet know what the full scope of that aid will be, we believeit is reasonable to plan for an increase in federal Medicaid funding.

The budget adjustments announced today protect tax reform passedby previous legislatures, the newly-established homestead tax cut, thetuition freeze for state colleges and universities, and increased funding forlocal school districts in addition to exempting other key programs. I honorand appreciate the hard work every state employee does every day. Whileany budget cuts mean pain and difficulty for state workers, I want you toknow that I would not have made this decision if I did not believe it wasabsolutely necessary and the right thing for the people of Ohio.

Budget reductions announced today will result in $180.5 million lessbeing spent by state agencies through June 30, 2009. The remaining $460million shortfall will be made up through Medicaid spending adjustmentsand various cash management strategies. General revenue fund (GRF)Medicaid spending in the Department of Job and Family Services will beadjusted to reflect an anticipated enhanced federal medical assistancepercentage (FMAP), additional cost containment and the liquidation ofbalances in non-GRF funds. Specific line items fully exempted include:Department of Education line items for foundation funding, pupiltransportation, gifted pupil program, special education enhancements andcareer/technical education enhancements; Board of Regents line itemsfor OCOG, OIG, SSI, Academic Scholarships, Central State Supplement,Shawnee State Supplement, and capital component; Ohio Department ofJob and Family Services line items for Medicare Part D, TANF and ChildCare maintenance of effort, and Disability Financial Assistance; Expositionsline item for Junior Fair Subsidy; all GRF line items within the Departmentof Rehabilitation and Correction; all GRF line items within the Departmentof Youth Services; Ballot Board advertising reimbursement; all line itemswithin the Department of Veterans’ Services; line items for mandateassistance and ballot advertising costs; debt service line items; line itemsrelated to tax relief; several boards and commissions; disability pensionand survivor funds administered by the Treasurer of State; and all GRFline items for the legislative and judicial agencies.

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Event Calendar:

Joseph G. Haubrich - FederalReserve Bank of Cleveland:Economic Outlook for 2009

Community, Education/Lecture, Young professionals, Workshops/meetings

Date: 01/19/09

Venue: Bar Louie at Legacy Village

Time: 6:00 PM

Address: 24337 Cedar Road Lyndhurst, OH 44124

Description: The Institute of Management Accountants - Cleveland EastChapter will hold its monthly meeting. Learn of the latest developmentsand trends in the US economy and how they will impact your business.For reservations call John Senderak at 440-201-3315.

Event Info Ticket Price: Meeting & Dinner - $25, Students - $10

Bedford Board of EducationOrganizational Meeting

January 11, 2009 7:00 PM

January Bedford Boys Basketball1-9 Euclid ............................................................. A 7:30 PM

1-13 Warrensville Hts. .......................................... A 7:30 PM

1-20 Brush .............................................................. H 7:30 PM

1-24 Shaker Hts. .................................................... A 2:00 PM

1-27 Garfiedl Hts. .................................................. A 7:30 PM

1-31 Cleveland Hts. ............................................... A 2:00 PM

2-6 Mentor ........................................................... A 7:30 PM

2-10 Admiral King................................................. H 6:00 PM


A WARNING FOR THOSEWISHING TO SELL GOLD ANDSILVER, COINS AND JEWELRY

By Joe Carol

With the economy in turmoil, many of us are finding ourselves inneed of extra cash. With gold and silver near record highs, there hasnever been a better time to sell accumulations of these items to capitalizeon the high prices.

The question is “Where is the best place to sell and recieve a fairreturn?” With the price of gold and silver being near record highs, manybusinesses have poped up promising to be paying top dollar for gold,silver, coins, and collectibles, but who pays the best? Many of thecompanies claiming to pay top dollar are actually paying 25 to 50 percentof your items actual value.A few things to consider when searching for a place to sell are: 1. Howmuch money the company spends on advertising. The more advertisingthey do, the more money they must make from you to make a profit. 2.Look at the stores overhead. If you go to a large store with manyemployees, you can be sure they have a high overhead to cover meaningthey will be paying less. 3. Check with other consumers and the BetterBusiness Bureau. Many hotel setups and mail in operations recievetons of negative feedback from customers and since they offer such alittle return, consumers want to spread the word. 4. Last but not least,Shop around. Local dealers will allways pay more than fly by night hotelsetups and mail in businesses because they generally have lessoverhead and also need to pay well in order to recieve repeat customersand maintain a solid reputation.

Another benefit from local dealers is that they do business face toface so you can ask questions and know you are getting a fair deal,also they will be there long after you have gone so if you feel you did notget a fair deal, you know where to find them. No business is going topay 100 percent of an items value, and an items actual value may beless than what you paid for it. A fair return for your treasure should bearound 80 to 90 percent of the actual value. If you are offered less, youmight want to shop around a bit more. At Richfield Coin & Collectibles in

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Independence we are paying 80 to 90 percent and we offer free estimateswith no obligation to sell, so if you are in the market you might want to tryus first.

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(continued from page 1 Mizsak)Nearly 14 years later, I am once again in a position where I must

communicate with the people I serve and represent the dire situation Ohio isin with regards to school funding.

From the lessons I learned at the young age of 14, sitting in the principal’soffice, followed by information I received from then-Assistant SuperintendentMarty Motsco on Student Government Day, that there is a great financialdivide amongst school districts in the Buckeye State. I knew from that daythat forward that I would be inextricably tied to the battles surrounding schoolfunding in Ohio until this conflict was resolved.

Fast forward to my college days at Bowling Green State University, andthe biennial budget cycle slated to begin July 1, 2001. This is truly when thestate of Ohio began to face its economic downturn. Unfortunately, it wasalso in 2001 where the Ohio Supreme Court issued the third decision in theinfamous DeRolph vs. Ohio case that once again stated that the way Ohiofunds public education is unconstitutional.

Since 2001, I have been in Columbus to witness three subsequent biennialbudgets, where there has been no true solution to properly fund primary andsecondary education in accordance with the first three rulings of the SupremeCourt. And now, with the economic conditions of this state being worse thanever, and a $7 billion budget deficit looming, I am concerned that there willstill not be a resolution to this issue.

There is nothing more I want as a Board of Education Member than to beable to say to you that we are no longer going to rely on property taxes tofund schools. I have no idea as to what the future holds in Columbus, but Ido have a glimmer of hope. I am anxiously awaiting the Governor’s proposalto see how that might help schools, and I am excited to hear what the Houseof Representatives might have in store.

The challenges facing the State of Ohio with regards to school fundingare similar to those that have been on the legislative agendas that I havewitnessed since the early part of this decade: a looming budget deficit, theState’s duty to fund essential programs, such as Medicaid, and the cloud ofunconstitutionality that hangs over school funding in the Buckeye State.Srince the initial filing of DeRolph vs. Ohio in Perry County in 1991, a completeoverhaul has been on the radar screen of those who are affiliated with thepublic education community. Governors have pledged to resolve this issue,and the Supreme Court issued four separate decisions declaring the over-reliance of property taxes to be in violation of the State Constitution. Manyplans have been introduced in the General Assembly to fix school fundingover the years, but none have ever come to fruition.

What truly concerns me is the state of economy, and how bad Ohio istruly hurting. The State has a duty to provide services to help its most at-riskcitizens, while maintaining a level of other services that do not lack in thelevel of performance and quality Ohioans are used to. With a $7.3 billionstate deficit on the horizon, I am troubled by the budget projections that putthe current monies public schools receive from the State in jeopardy. Thisstate has a lot of traditional public school districts (over 700, when EducationalService Centers and vocational schools), and there is a possibility that theState’s current share of education funding will be reduced.

The work of lobbying the Legislature and the Executive Branch to maintaineducation funding levels, as well as solve the issue of finding a real solutionto school funding cannot be done alone by those of us in the educationcommunity. We need your help. We need the help of all Ohioans to contacttheir legislators and the Governor to share with them your concerns aboutproperty taxes and the way schools are funded in the Buckeye State.

On a personal note, I truly do enjoy budget years in the Legislature. Asa student of Ohio government and politics, I love the late nights, the longfloor debates, the countless committee hearings, and the dozens ofamendments offered. Some of my greatest memories over the past 10 yearsstem from my experiences in the Ohio Senate Chamber and the Hall of theOhio House of Representatives.

In 2001, truly my most memorable budget cycle, I cut my teeth as amember of the legislative advocacy team of the Ohio College Democrats,where my colleagues and I spent a lot of time fighting for a restoration of thetuition caps and in funding for Ohio’s public colleges and universities. Thatyear, through the leadership of then-State Senator Tim Ryan, and then-SenateMinority Leader Leigh Herington, we learned that it is education at all levels– from pre-kindergarten to post-doctoral – that needs true funding that willallow our students to perform at levels comparable to students around theglobe, with the latest technology and textbooks, and the best educatorspossible. We learned more than we lobbied, and that is what made the2001 budget cycle experience so worthwhile.In this budget year, I will continue to represent our School District in Columbusand, along with my colleagues from the Ohio School Boards Association,advocate on behalf of the public school districts of Ohio to the GeneralAssembly the need for a funding plan that serves this state with a trulythorough and efficient method of funding public schools.

If there is any way that I may be able to further serve you, and/or, wouldlike to contact me regarding this issue or any other, please feel free to contactme at (440) 550-9620, or via e-mail at [email protected]

Then it’s too Late . . .Why is it?

A man wakes up in the morning after sleeping on anadvertised bed, in advertised pajamas, he will brush with ad-vertised tooth paste, wash with advertised soap, shave with anadvertised razor, have breakfast of advertised orange juice,cereal, and toast, sip his advertised coffee, put on advertisedclothes and glance at his advertised watch.

He will ride to work in an advertised car, sit at an ad-vertised desk, smoke advertised cigarettes or chew advertisedgum, write with an advertised pen. Yet this same man hesi-tates to advertise saying advertising does not pay. Finally whenhis unadvertised business goes under, he will advertise it forsale.

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Bedford Varsity Wrestling January schedule:1-10 Tri-@ Olmstead Falls ................................................................... A 10:00AM1-17 Searcy Memorial Tournament ..................................................... H 10:00AM1-24 Geneva Quad ................................................................................. A 10:00 AM1-30 Tri-@ Lakewood ............................................................................ A TBA1-31 Tri-@ Maple Hts. .......................................................................... A TBA

Bedford Varsity Swimmers January schedule:1-9 Maple Hts. ...................................................................................... A 7:00 PM1-13 Crestwood ....................................................................................... H 7:00 PM1-16 Euclid .............................................................................................. H 7:00 PM1-23 LEL Diving Meet ........................................................................... H 5:00 PM1-24 LEL Swimming Meet .................................................................... H 1:00 PM

Come out and support our athletes. Senior citizens are always free.To see the effort of these young men and women is truly remarkable.There is no question this is one of the finest and least expensive formsof entertainment. Not too many years ago our Bedford High Schoolprofessional athletes were participating in our wonderful facilities.

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taken a huge hit from the crisis in the US housing thrown billions perhapstrillions of dollars at the problem in the hope that something will stick andstop the downward plummet of the financial markets. No one knows whatto do because the problem is so big and so unprecedented that they areall guessing. Perhaps the only person who has a notion of what mightwork is the chairman of the Federal Reserve, Ben Bernanke. Reportedlyhe is a history buff and one who is particularly interested in that bleakestfinancial period in US history, the Great Depression.

The current troubles could have been prevented if the basic principlethat in order to borrow money, you had to have the ability to pay it backwas followed. Instead, in some cases the ability to breathe was the onlyreal criteria applied to granting of loans. How was this made possible?Through another bit of financial sleight of hand. Through logic that onlyWall Street could come up with, it was determined that taking a bunch ofloans which had no real possibility of being repaid and packaging themtogether suddenly made them okay and worthy of an investment graderating. Then, in a further feat of magic, slicing them into component partsand selling these to mutual fund managers and hedge funds, they becamepart of every American’s financial portfolio whether they knew it or not. Tofurther compound the problem, these wizards bought insurance on theloans from companies who had no business selling insurance since theyhad nothing to back up the claims when they were made.

So when the inevitable loan defaults started, the investors that hadbought the insurance started making claims, the companies that had soldthe insurance and had paid out huge bonuses to their principals ratherthan keep capital just in case started defaulting on their obligations andfiling for bankruptcy. Everyone who had bought similar insurance startedchecking out the financial viability of the companies that had sold themthe insurance and realized that they were insolvent as well. So, AIG, theinsurance company that had sold the most of these kinds of policies turnedto the federal government after every other possible suitor had turned itdown. Deemed “too big to fail” the feds lobbed some money at the problem,a lot of money. It started at $85 billion and has been added to since then.

Bear Stearns, Merrill Lynch, Lehman Brothers, Wachovia, WaMu,IndyMac have all gone bankrupt or been sold in a shotgun wedding. Andstill the money keeps flowing from the federal government and still my401(k) keeps going down.

What can you and I do about this? The fact of the matter is very little.Your 401(k) advisor, if he’s like mine, is advising you not to stop investing,after all we are buying more shares cheaply. He’s probably right, but itsure seems like throwing good money after bad, doesn’t it?

Hopefully, the government will start to do the job it’s supposed to dowhich is watch over those things that are too big for smaller governmentalunits or individuals to handle on their own. Like air traffic control andinterstate highways and protecting ordinary folks from financial wizardswho create products that make absolutely no sense.

I know that all of this will result in a lot of Congressional hearings,some of them have happened already. New regulations will be enactedwhich will prevent the same kinds of things from happening again, butthere are now thousands of Wall Street wizards out on the street lookingfor something to do. Since they don’t have practical skills like plumbingand carpentry, they will continue to try to come up with the “next bestthing” that will make them rich. Eventually someone will. Markets willsoar, the little guys will jump in because they don’t want to miss out, afterall, the rich folks are getting richer by the minute. In the end, it will all fallapart again and we will take a step or two backwards. Just hope you arenot on a fixed income when the backwards step happens.

(continued from page 1 History)

And yet despite all of this and probably in some cases against theirbetter judgment, people invested with him. Why? In many cases, it wasbecause their friends spoke highly of him and shared the same religiousbackground. They belonged to the same country club in Palm Beach. Insome cases, it was because the folks that they trusted originally with theirmoney recommended him and claimed that they did background checksand conducted ongoing monitoring of the money. In some cases, peopledidn’t even know they were invested with him. There are even unattributedreports that some investors “knew” that he was doing something wrongbut figured that they were benefiting from it so a “don’t ask, don’t tell”policy was best.

Those of us who are not rich may be tempted to sit back and gloatabout the foolishness of the rich. Don’t. The poor and the not-so-richhave their own foolishness as well. The lottery is a case in point. I waslistening to a report on NPR the other day about lotteries. The reporterwas interviewing lottery officials from around the country and the personwho was in charge of the Powerball lottery noted that volumes did notpickup until the jackpot hit $200 million. There seems to be a generalopinion that anything less isn’t worth it. The fact of the matter is that theodds of winning are the same no matter how many people play, but normallyrational people will take the chance if the number gets big enough, perhapsthinking “what the heck I just might win.”

Those of us who are not rich also fall victim to Ponzi schemes. Ponziwas a promoter who sold stamps and promised a return on the stamps. Itwas just as crazy as Bernard Madoff but thousands of people bought intothe scheme and lost money. The allure of the scheme is the ability to getyour money back and also to get a huge return. I remember some year’sback being at dinner with a professional I worked with. Her husband startedtalking about an investment that he had been offered. If he put in $2,000he would get his money back in a month plus a 50% return. Being thesmug professionals that we were, we knew that it was a Ponzi scheme,that the money he would get back would be from his friends or someoneelse’s friends who had been drawn into the scheme, but later. We bothcommented on how terrible it would be to betray our friends by drawingthem into a scheme that might lose them all of their money.

And yet, these kinds of schemes flourish. The entire country of Albaniawas destabilized by a huge Ponzi scheme that was perpetrated shortlyafter the fall of communism. Recently, in Colombia, riots broke out whenthe government of the country shut down another such scheme. The riotswere not against the promoter but against the government for stoppinghim. The promoter was viewed as a folk hero because he was bringingprosperity to ordinary people who had been let down by the government.

Are the folks in Palm Beach any different than Latin American peasants?Not in this case. They all lost their savings and in some cases are forcedto sell their possessions in order to pay the bills. A pawnbroker in PalmBeach has seen increased business from folks who directly attribute theirproblems to losses from Madoff. He has had folks bring in prized jewelryand in one case a yacht. Lives have been destroyed by this man andothers like him who have stolen the dreams of folks who trusted them.

Before you breathe a sigh of relief that you were not caught up in theBernard Madoff scandal, you almost certainly have been affected byanother feat of financial wizardry gone wrong. I suspect that if you are likeme, you have a 401(k) or IRA that is invested in the stock market, usuallyvia mutual funds. I suspect that you may also like me dread the quarterlyrelease of your performance results. The world financial markets have

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(continued from page 1 Grow)presumed declining global dominance can undermine confidence, elevatingdoubts and fears. That’s why it was so refreshing to read an article byJames P. Moore of Georgetown University in a recent Sunday edition ofthe Plain Dealer that provides an encouraging reality check, and a boostfor our confidence.

Our economy always cycles, and while we are enduring a particularlydifficult downward portion of the current cycle, as Professor Moorementions, our country is “by no means on its last legs.” Here’s why:

1) “By almost any measure, the United States continues to outperformother countries around the globe, including China and India, in such areasas innovation, technology, higher education, worker training, the ability ofthe labor force to move from job to job, and more.” This is confirmed bythe Swiss-based World Economic Forum which places the US, despite thecurrent economic turmoil, at the top of the global competitiveness list dueto its strong productivity and ability to adapt during economic shocks.

2) According to the World Bank, the United States continues to be theleading manufacturing country in the world, producing almost 25% of theworld’s output in certain industries. The often cited Chinese economyproduces only 2/3 of our output, most of it for export, and their economicdevelopment will be similarly impacted by the current global economicdifficulties. They won’t be increasing their output anytime soon.

3) The World Bank also confirms that the United States contributes$14 trillion, or 25%, to the global Gross Domestic Product (GDP), which isvastly more than any other country. China’s total economy is only $3 trillion,so it will take decades for them to close the gap with the U.S. Russia’seconomy is roughly equal to that of Texas, and India’s GDP is less thanhalf of that produced by California.

4) The United States continues to be the economic engine of the world.We continue to import significantly more than any other country in theworld, while we remain a leading exporter, selling an amount similar toChina and Germany outside our borders. There is no country that canmatch the purchasing power of the U.S.

5) Despite our recent Wall Street challenges, the value of the U.S.dollar has risen dramatically in recent weeks and foreign investors arecontinuing to buy U.S. investments and financial instruments. Why? AsProfessor Moore states: “Compared with other countries, investments hereare transparent, well protected, and have a long track record of healthyreturns.” Despite the fact that the current liquidity crisis started here, theU.S. is still viewed as a safer alternative for investments than elsewhere inthe world.

So, there is good reason to be hopeful for a better 2009! However, asbusiness guru, Peter Drucker, would remind us, “Luck never built a business.Prosperity and growth come only to the business that systematically finds

and exploits its potential.” Generating growth takes planning, and this isthe time to begin.

Economic conditions will continue to challenge us as we begin the newyear, but these circumstances should strengthen our commitment toplanning for growth now, rather than waiting for a better time. We can’tmanage the change that confronts us, but we can plan to stay ahead of itby planning to grow.

Start by asking “what is working,” and then evaluate why it is working.Identify the strengths of your business. Are there opportunities where youmight employ your strengths that you are not currently exploring? Thinkbroadly and open-mindedly about the opportunities. Make a list of them,and don’t limit yourself at this point by constraints that may challenge theirpotential. This exercise will provide a foundation upon which to build yourgrowth plan.

Next, ask “what needs to be improved” and why. What are yourbusiness’ weaknesses? Identify where you are most vulnerable to yourcompetition, the potential threats to your business. How will you meet oneof these threats if it emerges?

Now establish goals for the new year, and make them S.M.A.R.T. goalsthat are:

- Specific – identify an explicit objective;- Measurable – ensure that your target is quantifiable;- Attainable – make sure your goal is within reach;- Realistic – your target should be reasonable to achieve with

your available resources; and- Timebound – each goal should include a specific target date of

accomplishment, i.e. 3/31/09.

When you consider your goals, remember another insight from PeterDrucker: “Because the purpose of business is to create a customer, thebusiness enterprise has two – and only these two – basic functions:marketing and innovation. Marketing and innovation produce results; allthe rest are costs. Marketing is the distinguishing, unique function of thebusiness.”

As you consider how you are marketing your business, return to yourlist of strengths & weaknesses. Ask why a customer should buy yourproduct instead of one from your competitors. What makes your companyand product unique & different? Consider the value of speed…how canyou save time for your customers? Can responding faster, or deliveringquicker, or making customer transactions easier give you an edge? Isthere an innovation that you have considered in the past or during theassessment of your strengths, which would reinforce your competitiveadvantage? Develop your marketing plan around your answers to thesequestions. Your answers are more critical to your growth plan and thesuccess of your business than any insight you will discover through moreanalytical activities like data mining or niche segmenting.

You can grow your business next year! While you enjoy the holidaysand reflect on the year just ending, invest some time to plan for a betteryear in 2009. Happy New Year!

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