Category Archives: small business

An Effective Decoy

Being that I own a bar and restaurant in Portland, Oregon, the Oregon Liquor Control Commission yields significant influence on many aspects of my business.  All sales of alcohol in this state, retail or wholesale, fall directly under the jurisdiction of the OLCC, which is a state agency.  In short, the state of Oregon is in the liquor business.  It sets prices and policy, enforces compliance, and doles out punishment.

Oregon Liquor Control Commission

Oversees all things liquor in Oregon

Rightly so, the OLCC is concerned with underage drinking.  So concerned, that they have implemented a decoy program.  They hire 19 and 20 year old kids with valid ID’s to enter bars and try to order alcohol.  Agents and police officers hide outside so that if any of these young decoys are actually served, they return service with a violation and fine for both the employee who accepted the ID and the establishment itself.  This is expensive for first time offenders and perhaps decimating for repeat offenders.

If your establishment has a spotless record with regards to serving minors, you are awarded entrance into OLCC’s Responsible Vendor Program.  I am very proud to say that my bar has been a part of this program for the last 4 years.  However, I’m not sure about our status after this last Thursday night.  One of my longest tenured employees,  a lovely and responsible young mother and wife who has been working for me for over 11 years, got pinched by a decoy.

The summer months are extremely busy for us.  Our one bartender serves the entire bar and makes all the drinks for an outdoor patio that can seat 80-100 people.  We were not at capacity on Thursday around 8pm, but we were humming for sure.  K simply said that the ’92 in the D.O.B section of the ID handed to her by the young customer looked like an ’82 and she accepted it.  It was nothing more than an honest mistake at exactly the wrong time.

Within minutes the decoy was gone and replaced by two OLCC agents and two police officers.  K was issued paperwork stating she was being charged with a crime, fined $350, and  was ordered to appear in court in about 4 weeks.  I, as owner, will be fined in the neighborhood of $1,100.  For any small business and for any service industry worker, these are no small amounts.  Factor in the current state of the economy and things feel even worse.

I’m lucky to say that this fine will not put me out of business.  I intend to appear in court with K for support and will help her with the fine in any way I can.  The younger man who was me 13 years ago would be arguing and crying foul all day long.  The current me knows to pick his battles better than that and only focus on avoiding the same mistake again in the future.

Yet I can’t help but ask:  is this decoy program entrapment?  And is it an attempt by a government agency to increase revenue in a down economy?  Like other government programs or agencies, they can point to good intentions as their cover.  But my conservative nature knows better than to blindly accept all the consequences of those intentions when they are executed by a resource-devouring government behemoth.

Stay tuned.  There will probably be more to follow on this later.

Drug Crime Too Close To Home

No political slant needed for this one.

In the neighborhood where my establishment is located, the underworld pulse is strong with drug and criminal activity.  The naïve won’t notice it, at least at first.  To them this place is a quaint, historical district with lots of character and charming people.  Personally, as I approach my 13thyear in this part of Portland, I can almost smell the debauchery.  That is, when I can’t see it.  The denizens of these streets identify themselves as participants by manner, dress, behavior, and also by a vibe that I’ve learned to pick up on that I really can’t describe.  (This is further evidence that I’ve been here too long.) Mark Edward Olson is no different.  Although I’ve never met him, I’ve observed enough to not be surprised at what I learned last Sunday morning.

PDXmugshot Mark Edward Olson

Stabbing Victim Mark Edward Olson

In the apartment building directly across the street from my bar, he was repeatedly stabbed and left for dead around 6am.  Death didn’t find him, as of yet, but it’s clear that a lot of other trouble has.  I mean, it took no effort at all to find his mug shot.  This particular one is for an earlier arrest involving methamphetamine.   So, as Mr. Olson lays in the hospital in critical condition, the question that comes to my mind is, are there really any innocent parties here?  Sure, there was a victim of horrible violence who may or may not survive.  But isn’t it clear that he simply reaped what he sowed?  And should they ever get out of jail, isn’t it safe to assume the two arrested for this incident will meet a related kind of fate?

I’ve learned a few truths about this aspect of my underworld.  One is that addiction is indeed a disease, but it’s one ignited by bad decision making which is launched by an absence of a moral foundation.  This void can usually be placed at the feet of uninvolved parents.  Secondly, street justice has a way of evening itself out.  Innocence doesn’t exist in the underworld, so each action is an affront to someone with the mentality to exact revenge.  The future isn’t often considered.  Consequences are never considered.  Rather, getting even and getting “rich” while maintaining credibility within peer groups is all that matters.

Of course, this is all relatively short lived.  Morgues and prisons put a stop to at least this version existence.  It remains to be seen if Mr. Olson will end up in either after this incident.  And if he doesn’t, I have no doubt he’ll get another shot soon.

Top 9 Signs I’m a Conservative in Liberal Portland

Portland, Oregon is a notoriously liberal city, in culture, policy, attitude, pretty much you name it.  It’s also my hometown.  I’ve lived here most of my life and I’ve owned and operated a small business here for the last 13 years.  I’ve also been raised as a conservative, by a traditional, nuclear family.  I was taught to know the history of the United States of America, to recognize all of it’s unmatched successes in providing freedom and opportunity, and to truthfully admit that making any fundamental changes to any of it would be grossly counter-productive.  I mean, in baseball you don’t break up a team that wins 100 games each and every year do you?  However, all of this makes me a square peg trying to live in the round hole that is Portland.  In my normal, day-to-day activity, there is no one else around me who shares my views on culture and politics.  All of my liberal friends are typical in that they’re very good at telling me what they don’t have and who’s fault it is.  So, I smile (at best) when I hear such things and remember that I’m a loner and a novelty to those who have learned what I’m about.  But being in this minority is something I wouldn’t change.  It’s provided great perspective and enhanced my convictions.

So, below are the top 9 reasons I’m the square peg in Portland.  9 is a weird number for a list, but then Portland is a weird city.

#9:  I volunteer one hour a week at a local grade school.  So many around me lament, every year, how our public schools are starving for funds.  No one seems to do anything about it other than say that I should be paying more taxes.  They can’t be bothered themselves, but they’re certainly capable of wanting to be generous with other people’s money.

#8:  I don’t participate in political protests.  However, I did attend two different anti-war rallies several years ago.  I wanted first hand experience.  I saw President Bush burned in effigy.  The lesbian couple directly in front of me knelt down to tell who I assumed was their little girl that her President was a murderer and that she should be frightened of him.  But then I also saw a clever young man walking around without a shirt, holding an unmarked bucket asking for cash donations to help end the war.  Pockets and purses were reached for and I had to laugh.  It is indeed true what they say about fools and their money.

#7:  I understand the fundamentals of business and economics.  There is money that comes in, and there is money that goes out.  I know which one of those figures needs to be greater.  The city of Portland, many of its residents, and our current federal government for that matter, needs to figure that out.

#6:  I work too much to always be hanging out in coffee shops.  It’s no secret that 40% of America pays no income tax.  I’m part of the unlucky 60%.  And the same Portlanders that I see every day sitting in the same shops reading their books seem uneasy when they realize that they’ve become familiar to me.  They remember that I saw them in the same spot yesterday, and likely the day before.  That’s when eye contact becomes less and less frequent.

Portland, as seen from the Rose Garden.

Beautiful and liberal, Portland, Oregon

#5:  I’m news savvy and skeptical of the media that delivers it to me.  Finding in-depth conversation on current events is difficult, and I even work in a very social atmosphere.  When I search, most folks tell me about something they heard from a friend or saw on Jon Stewart.  But regardless, I can count on hearing things like it’s Bush’s fault, Texas sucks, and rich people are screwing up the works.  (Note:  In this context, “rich” is a term used to describe anyone who makes more money than the person using that term.)

#4:  I’m not an artist.  This is not by choice, however.  I was just born without artistic talent.  But everyone else in Portland seems to be and none of them can seem to understand why the photo they took or the sculpture they made or the painting they painted isn’t selling for the $200 they’re asking.  The concepts of disposable income during a recession, and prioritizing when funds are not unlimited, seems to be lost on them.

#3:  I did not vote for Barack Obama.  When I walked into my establishment that November night of 2008, I was quite literally the only person who couldn’t muster a high five or celebratory hug.  I was a buzz kill.

#2:  I did vote for George Bush.  One day after the 2004 election I saw a group of three that I’d never seen before enter the front door of my business.  They found someone they knew, who knew me, and that person pointed directly at me.  When they made their way over, one of them asked me, “are you that guy who voted for Bush?!”.  As if an entire voting block consisted of just me.  Which I guess is possible in this town.

#1:  I was born into a loving family and my parents are still together.  It’s flat out flabbergasting how everyone around me either never knew their dad, or have parents who hate each other, or have siblings in prison, or who were horribly abused by their fathers, or just plain don’t want to have anything to do with their families.  But all of those people have street cred, that’s for sure!

Maybe all of this is just complaining.  After all, Portland is a beautiful city.  I don’t envision me ever leaving it.  But how a stereotypically normal, everyday, traditional American kid like me can be so alien in his home city will forever perplex me.  But hell, it sure keeps me on my toes.

Military Appreciation: my own simple way

A deep respect and appreciation for the men and women of our armed services is something I’ve always had, even before the war on terror, when it became largely fashionable to praise the troops.  It is clear to me that almost my entire existence, as I know it, was provided by the sacrifice and dedication of our military, along with the founding documents of our government.  When you know this, and your father served as a Captain in the Army, appreciation comes easy.  However, these weren’t the only reasons for my admiration.  Mainly, it is a soldier’s ability to put themselves last, for a greater good, that humbled me.

You see, although I still hope to out grow it eventually, I was born seemingly incapable of obeying authority (I fled corporate America and bought a bar, for crying out loud!).  If you were not my father, or mother, there was just no way that you were going to tell me what to do or how to do it.  Defiance comes as natural to me as breathing in many ways.  So, were I ever to join the military, I’d end up in the brig and dishonorably discharged, therefore weakening our forces and being counterproductive to the task at hand, namely protecting our freedoms.  I’m just glad I’m smart enough to both know this weakness and to praise those who don’t have it and are brave enough to wear a uniform.

Every June, Portland hosts the Rose Festival.  Part of the pageantry is the Rose Festival Fleet, a group of navy ships with sailors and marines who partake in the fun and spend a few days in our fine city.  In my establishment, it isn’t uncommon to see a group in uniform come in for some dinner and a drink or two.  Hopefully three or four.  I say that without profit in mind.  Quite the opposite.  My staff has been instructed that anyone who is active duty military gets their tab comped, within reason, or course, and that a sincere “thank you for your service” should be stated when delivering the free food or spirits.

Rose Festival Fleet Portland Oregon

Fleet week during the Portland Rose Festival

When giving these instructions, some of the newer members of my staff have looked at me as if I were a fool.  That is an opportunity for an education, in my opinion.  It’s easy to explain to them that the men and women who serve our country have done more to provide us with our own existence than any other group who isn’t our parents.  I explain how hundreds and hundred of thousands have died to allow us to vote or not, get a job or not, and live in a country were we can reach for the highest of successes, or not.  While doing this, they spend many months, and sometimes years away from friends and loved ones.  And I illustrate how these people essentially work 24 hours a day, and don’t often get to go to the clubs or a neighborhood party.  This seems to make sense to my staff.

So with all this to consider, is it really that big of a deal for a grateful, average Joe who is in a position to do so, to give up a free burger and beer to member of the military and deliver it with a pat on the back?  No, not in the least bit.

Thank you to everyone serving in the American armed forces.

This Maintains Unemployment Benefits?

Application form for Unemployment benefits

In this economy, a familiar form

Maintaining unemployment benefits is as easy as dialing a phone number, it would seem.  I wish I could tell you how many times I’ve answered the phone at my business, only to hear the person on the other end methodically ask me if we’re hiring.  Regardless of what I say, an overwhelming majority of those calls ends quickly as they hang up.  Now bear in mind, the caller has no idea if I am a hiring authority.  If they call in May and the answer happens to be yes, I can count on one hand how many have maintained the call long enough for me to give details.  It wasn’t long before such calls really began to annoy me.

The frequency picked up as the recession worsened.  Of course, as employment levels suffer, unemployment benefit claims rise.  It then occurred to me that those calls were not sincere attempts to gain employment at my establishment, but rather they were required activity in order to maintain their state unemployment benefits.  Calling me, asking that question, then hanging up constituted a job search, which is the key requirement to receiving the weekly check from the state.

Like every business, I pay taxes to the state.  Part of that sum is put aside by the state of Oregon into an employment account.  My contribution is specified and when someone becomes involuntarily unemployed and they file for benefits, my account is charged if my business was one of the last three to employ them.  That is to say, should I terminate someone who then goes on to get another job somewhere else and they then get laid off there, when they file for unemployment my account is charged.  Due to extensions granted by the state, this can go on for a very long time as long as that person is “looking for work.”  A five second call to me, or to any business that answers the phone, satisfies this requirement.

Although I firmly believe that safety nets of some kind need to exist, I resent that the state behemoth can be so lax in knowing or understanding how so many can manipulate them into free money at no cost, other than to businesses.  Being that I typically employ a younger person, it makes sense to me that a 23 year old just out of a job would be tempted to receive a weekly pay check from the state in return for nothing more than a brief phone call.  Especially when that can go on indefinitely.  Why work when a check just shows up in the mail every week?

Clearly, such a scenario only burdens the private sector even more and certainly does nothing to help that individual in the long run.  A sense of entitlement with no effort sets in, and that can have long term, damaging results to our state and country.  Although I’m unsure how to fix this specifically, I’d start by perhaps requiring that job search efforts be more substantial and that anyone receiving unemployment benefits needs to be required to work for the state in some capacity.  That seems fair and is a good way to at least decrease the burden on the private sector.

I’m amazed at the clarity I gained from taking so many five second calls

Portland-where beggars are choosers.

Being that I own a bar and restaurant, food and drink are always all around me.  Being that my establishment is in Northwest Portland, homeless people are also all around me.  Though it’s never enough, I have made a pointed effort to offer a meal to those that cross my path who look like they need it.  Sometimes with surprising results.

A few years ago, I was coming back to work in the late evening.  I parked my car in our neighbor’s parking lot as I often do after hours.  There is a large dumpster in this parking lot and I noticed a young man of 20 something standing in it, foraging around.  As I walked past, I stopped and asked him if he had lost something.  He stopped, stood up, and curtly said, “I’m looking for something to eat.”  I nodded and proceeded inside.

But the walk in was long enough to regret my insensitivity.  I went directly into the kitchen and ordered my staff to make me a cheeseburger and fries to go.  I thought that would be a nice gesture towards the guy.  He obviously needed a meal.  Now somewhat excited at the opportunity to give the guy a break, I headed back outside to the dumpster.  He was still there, digging around.  I said, “Hey man, I didn’t mean to piss you off earlier.  I own that establishment right there and I just ordered you some food.  I’ll be back with a cheeseburger for you as soon as it’s done.”

He looked at me with somewhat of a smirk.  Then, in one of the more condescending tones I had heard in a while, said, “I can’t eat that.  I’m a vegan.”

At first I thought he was kidding.  It was obvious he wasn’t as he stood there in the dumpster looking down on me.  I’m usually not at a loss for words, especially when I perceive wrong, but I simply turned around and went back inside, dumbfounded.

I tell this story somewhat frequently because I feel it’s one of the best representations of the attitude of Portland.  Even our would-be beggars feel entitled and aren’t likely to stray from their own “enlightened” principals, which of course are modernly liberal in nature.  The possibility of starvation isn’t even enough to make a vegan take a free cheeseburger from a stranger trying to lend a hand.  Portland is indeed a weird town, and I don’t think it represents the United States very well at all.  And if it ever should, then God help us.

Obamacare Waivers: I’ll say

national health care bill disastrous effectsObamaCare:  how government mandate can turn good intentions into abominations.

In my small business, offering perks to my employees is next to impossible.  On the top of my wish list would be the opportunity to offer them health insurance.  Many would say that as of recently, that became a possibility.  That is sadly not so.  I consider President Obama’s national healthcare bill to be perhaps the very worst piece of legislation passed in our country in my lifetime.

Health insurance and health care are two different things.  And the president’s effort to extend the former to everyone has in turn driven up it’s cost while reducing the quality of the latter.  Because providing opportunity through the free market runs contrary to them, this is a classic example of the liberal mindset of instead wanting to evenly spread misery across a population in the name of fairness.

Cost of healthcare is the issue here.  What has been termed Obamacare doesn’t lower the cost of providing the health care. Rather, it expands the pool of those who drive up the costs and extends to the government the power to oversee it. And we all know the government doesn’t ever do things within budget.

How is forcing my employees to buy insurance they can’t afford helping them? How will fining them when they don’t buy it help? Why does a family of 4 making $88,200 a year need a government subsidy for their health insurance? Why do registered sex offenders need access to Viagra on the public dime? And I won’t even go into the publicly funded abortion issue for fear of smashing this keyboard.

I know the attitudes when debating topics such as this are partisan to a fault. I’m guilty as anyone.  But to anyone who has ever been passionate about government spending, this ponzi scheme should enrage them. That, and the overt power grab in the assuming of 1/6 of our economy while mimicking the Eruo social democracies does me.

If we really want to make health insurance more affordable to my employees, as I do, then this isn’t the way. Rather, it’s the work of blatant ideologues. There are more affordable, and I’d say effective, things we could try first (say, eliminating state boundaries for the insurance market.  Or tort reform, maybe.) They are not interested in those things. They don’t want them getting in the way of their frightening agenda.

This is Big Brother, but in real life.  Ignorance, or a complete rejection of the American way, are the only reasons anyone would believe him when he says he’s got good intentions.

Small Business Equity? No loans for you!

The lending market:  the ins and outs are complex, but I do know that I can’t get an equity loan for my business.  

As I write this, we are two days away, supposedly, to the deadline when our nation must raise our debt limit or default on our debt.  Those last four words are nothing more than a ridiculous scare tactic.  Avoiding default is done by making interest payments on debt, which can be done with relative ease regardless of what happens.  Now that’s not saying we shouldn’t raise the debt limit anyways, but I bring this up only to say that scare tactic or not, markets, including lending markets, can and will react to whatever action takes place as the network of participants decipher the situation in their own ways.

business lending stalled, unavailability of equity loans

And everyday, for small businesses

This brings me to my main point, which is far from strictly related to the current fiscal issue making the headlines.  Small businesses all over the country, who are charged with maintaining the lion’s share of private sector employment, are finding it next to impossible to get a business loan.  The reasons are many, but they all center around the uncertainty swirling around our country’s economy and recently imposed federal regulations on what exactly a bank’s balance sheet is supposed to look like.  What is certain, and I speak from direct experience as a small business owner, is that the unavailability of capital makes it next to impossible for businesses to expand or improve in any way, and that makes employment and the economy as a whole unlikely to improve any time soon.

I am lucky enough to own the building in which I do business.  Based on current commercial real estate estimates, I have in the neighborhood of $650-750 thousand dollars of equity in that building.  (Sadly, based on figures obtained in 2007, that number would be closer to $900k-$1million.  Oh if only I knew then what I know now.)  However, despite having such an asset on which to secure a loan, I have been turned down repeatedly by many banks on my application to tap some of that equity for capital improvements in the building and business.  Having proof of being able to cash flow the required payments on such a loan has proven worthless.

Our floors need to be redone.  Our coolers need to be updated.  Our products need to be refined.  All of these things would make us more competitive in the local market and further able to offer jobs to the community.  Without these things getting done, my company stands on shakier ground when it comes to our immediate survival and there lingers the possibility that my employees will enter the unemployment line, worsening the already dire economic situation.  And their own lives, of course.

Why is this lending market so bad?  There are many reasons.  Complex ones, too.  But they all have to do with uncertainty and inconsistent regulation.  Will our country default on it’s debt?  Are taxes going to increase?  Will we have to play by new rules imposed on us?  What are a banks balance sheets supposed to look like exactly?  Why make business loans to local communities when a bank can make more money trading securities?

The availability of capital to the credit worthy is paramount to a healthy business environment.  A healthy business environment is paramount to a healthy employment rate.  A healthy employment rate is paramount to a healthy economy.  A healthy economy is paramount to a healthy quality of life for our country’s citizens.  The best way for our government to iron this out is to eliminate the uncertainty of it’s fiscal agenda and be clear and consistent in any regulations they make on a lending market.  Until that happens, and I don’t see it happening under this President and this Congress, I’m going to have to keep looking at my beat up floors and hoping that I can hold on long enough for relief to eventually come.  And the next chance of that is most likely the fall of 2012.

You Were Abused, too??

Abuse, much to my surprise, seems to be everywhere.  At one point a few years ago I was employer to 5 people, a third of my staff, who confided to me that an immediate family member had sexually or physically abused them when they were young.  I was suddenly a confidant in a position of authority, and as I heard each of these confessions privately, unexpectedly, one at a time, I felt dumbfounded.  Then, sadness, with a sense of undefined responsibility.  I also gave repeated thanks for my own good fortune.

What was I supposed to do with this information?  I’m good at lending an ear, and giving a hug, but then what?  Those things won’t erase the scars these people are carrying.  They won’t unfetter them of the burden of shame and allow them to soar off into the future.  I think the worst part of gaining the confidence of these poor victims who I’d grown to like so much, was also the best part as it related to me, personally.  That is that the concept of being victimized by a family member is totally and completely alien to me.  I simply couldn’t relate and therefore couldn’t offer any sound advice.  I felt helpless then, and I feel helpless now, as I know that there are more unlucky souls like them all around me.

The broken or dysfunctional family is in my estimation one of the gravest threats to our fine country.  How can future generations be given the foundation they need when so many of their parents didn’t receive such a thing?  It is much easier to let down your own children when you yourself were let down by the people charged with giving you unconditional, safe, love.

As I contemplate this topic, I don’t feel as if I’ll ever know how to handle such a thing.  Which is frustrating, because it’s so easy to spot bad propagating bad.  It’s all around me every day, frankly.  I feel sad to think of what these people who confided this horror to me might be like, what they might be accomplishing, if it weren’t for the ugly, evil acts of their brothers, fathers, or step fathers.  We will never know.

All I do know is that the only course of action I feel as though I can take to address this terrible phenomenon is to thank God every day that I was born into such a miracle of a family and wish that others might be as fortunate as I am.  Maybe doing so will lead to a snowball effect of some kind.  Others who share my blessing should join in.

For more information on adults abused as children please click here.

Compassionate Conservatism: Of Course.

American conservatism is by nature more compassionate than it’s political counterpart, despite propaganda to the contrary.  Businesses, big and small, and neighbors of every community can better identify the needs of those around them and match them up with private resources to apply relief, with great satisfaction, with snowball effect, and without the aid of the government monstrosity.

In this current age of American politics,” social justice” is high on the priority list of our national government.  Many of those

currently in the highest positions of power believe that government should be used to provide to the less affluent or less fortunate as a way to “level the playing field” or, to right perceived wrongs that lead to the existence of the less fortunate in the first place.  It is “justice” they want.

As a conservative American, I reject this thinking.  But one doesn’t have to be a conservative to know that a government as vast as ours is wrought with bureaucracy, inefficiency, waste, and at least the possibility of corruption.  It’s also easy to note a government’s lack of a truly human quality.

I am a small business owner who cares deeply for his employees and many of the customers I’ve gotten to know over the years.  These relationships have become personal, and not business, in nature.  So that being said, is it not possible that businesses, big and small, and surrounding neighbors, can identify the needs of those around them and match them up with unused or inexpensive resources to apply the relief that the government monstrosity is attempting to do, only cheaper and with more sincerity, and less political agenda?  I believe the answer is an emphatic yes, and that we can call this thinking compassionate conservatism.

Examples of this happening are endless.  But three come to mind.  One employee of ours, who was on the schedule to close the bar four nights a week, had no transportation of her own.  Buses are next to impossible to find at 3am and cab fare is a good way to blow a significant chunk of a day’s pay.  Safety concerns, and Oregon weather, made walking home a bad idea.  However, by simple discussion of the matter, we as her employer found someone who had an old Honda scooter just sitting in their garage, taking up space.  Hadn’t been used in years.  With a little simple negotiation and an advance of her pay to cover a tune up, this valued employee became mobile and free from the quagmire of paying $30 in cab fare on a night she made maybe $90 in tips.  Problem solved.

Yet another employee got married and was going to have a baby.  (It should be noted that this traditional route to parenthood is indeed a rarity in this particular universe.  Therefore, positive reinforcement was certainly on our minds.)  As the baby’s due date approached, it became known that since neither half of this young couple had any family on the west coast, hand-me-down baby clothes were not an option.  Disposable income, especially in the hospitality industry circa 2008, to spend on such things was hard to come by.  Again, by talking and learning it wasn’t long before we found another young couple who had recently had a baby girl of their own, and they had too much family in the area.  No one else was waiting for their child’s hand-me-downs.  An introduction was made, a soon to be new born got a wardrobe, and the problem was solved.

Ours is a highly residential, urban area.  One of our regulars, whom all the staff loved despite his ornery nature, was an old man of 80 something who was rapidly losing his mobility, and as a result his entire social regiment.  He needed an electric wheelchair and had been waiting for one from the government agency he applied to forever.  Waiting was something he couldn’t really do.  Being that he lived solely on Social Security, a lump sum expenditure to buy it himself wasn’t an option, either.  However, should he find a used chair at a decent price, he could make payments each month.  He just needed someone to front him a few hundred dollars.  This is an amount that our establishment could afford to loan to a long time patron who would be missed if he weren’t around.  So it came to be.  A chair was found, and on the 5th of every month I could expect Dean to hand me his $30 payment, sitting in his chair.

In each of these instances, there was no government involvement.  The public’s money wasn’t spent.  There were no inflated prices due to endless middlemen.  We needed no authorizations.  There was no waiting list.  No applications.  Rather, there was only friendship, recognition, a little effort, and significantly less money, all of which was paid back to it’s originator.  There was also a lot of humanity.

There are many businesses doing many things in this country.  There are many neighbors who see many things in this country.  There are lots of things in many garages.  When pooled together and not stolen by tax obligation, there can me significant money in this country.  Imagine if this kind of thinking were applied to more social ills, all over.  Hmmmm.