Capitalism: Misunderstood

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Capitalism is often a misunderstood economic concept. People are so stuck on that old timey capitalism that they aren’t willing to see just how capitalism has evolved over time and can bring solutions to a lot of America’s problems. I hear all of these crazy misconceptions thrown around about capitalism all of the time. So I’ve taken the opportunity to debunk some of these popular capitalism misconceptions.

There is only one form of capitalism: There are multiple types of capitalism, the two main types being crony capitalism and conscious capitalism. Crony capitalism is what has left many people scarred. These are power hungry nuts, that don’t care about anyone but themselves. The goal for them is not to build wealth, it’s to gain power and control. On the other hand, conscious capitalism is not about a power trip. It’s about building wealth, creating freedom and empowering others to do the same. Many people fail to realize that conscious capitalism exists, this is why it has become my mission to change that. I want people to know that capitalism doesn’t have to be negative for society and it is actually the way to solve a lot of problems that we have in the US.

Capitalism will only serve to make the rich richer: Despite popular belief, capitalism is not only a rich man’s game. In fact, capitalism is the only economic setup that will allow people of ANY status to create their own wealth. As long as you’re willing to get out and compete, you can create your own opportunities. Not to mention, capitalism naturally creates job opportunities and keeps our economy revitalized. It becomes a pattern: entrepreneurs go out and create new opportunities, they hire others to help their business thrive who then in turn are inspired to create their own opportunities and hire people to help their business and so on and so forth. You have wealth being rapidly generated and more employment opportunities than ever before. Everyone that’s willing to get out there and put in the effort will ultimately make money.

Capitalism is an old way of thinking: Couldn’t be further from the truth. The beauty in capitalism is that it is a constantly evolving practice. It allows people the freedom to get creative and find new solutions to both old and new issues that our country faces. It is a way for the people to make an impact on the world rather than sitting back and letting the government control everything. It allows for collaborative efforts to find real solutions. Naturally, there is a trial and error process, but this is what allows for effective problem solving. At the end of the day, if you’re one track minded and stuck in your ways, capitalism will be difficult for you. Because it is forever evolving, it requires a certain level of adaptation and ingenuity.

Capitalists are greedy pigs: There is no doubt that some capitalists are very greedy and selfish, but that’s a personal issue and has nothing to do with capitalism itself. In fact, real conscious capitalists strive to spread wealth and empower others to be able to build financial freedom. I think a major issue is that people have become too entitled and expect things to be handed to them. Since capitalism doesn’t offer any handouts, people assume it’s because capitalists want the wealth all to themselves. However, this is not the case at all. At the end of the day, you have to work if you want to get the reward. Why? Because the more people give to you, the more they expect back and ultimately you lose your freedom.

So, yes, it’s true. Capitalism isn’t just about grumpy, old men looking to rule the world. Capitalism is about wealth creation, empowering others and most importantly freedom! Capitalism provides opportunity for any and everybody to build wealth and live the lifestyles that they want. So it’s time to stop looking to the government for a handout and go create your own opportunities because this is your way to achieving real freedom for you, for your family and for all.

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America the Beautiful

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The American Patriot is a dying breed, and that saddens me.

Each day I find more and more people that love America, but they weren’t born here! I’ve come across a lot of people from all over the world, some from communist/socialist countries such as Venezuela or Cuba, and others from other beautiful countries such as Australia, Spain, Philippines, and Poland—and they truly love America!

This is not new to me, since I was born in Puerto Rico, but my grandmother—who emigrated to Puerto Rico on January 1, 1965, when my mother was just 7 years old—always loved America.

I spent a lot of time with my grandmother and I would always listen to her stories of how things were in the Dominican Republic and why she left. I still remember her crying on every Fourth of July and seeing her smiling while watching TV when they would show the fireworks of NYC. Both my grandmother and my mother became American citizens in April 1993, and they both cried and celebrated that they had finally become real Americans.

My grandmother was an extraordinarily strong woman with strong Christian and conservative beliefs, and I sure learned to love the freedom that we enjoy here in this great country by hearing the contrast of the hell she lived in while in the Dominican Republic. My grandmother Neyda Cruz-Guzmán died on January 24, 2011, and while she never stepped foot on the Continental US, yet her love for the idea and actual freedoms we get to enjoy here was greater than that of any American native I’ve ever met.

Why do most Americans take America for granted?

If my grandma was still alive today, she would be vocal about the doom of society as we know it. Republicans and Conservatives are not loud enough; most are lazy or maybe ashamed to say they love their country. I often wonder how they allow the left to roam free, spewing crazy socialistic ideas and indoctrinating our youth while they sit on their asses, not doing anything about it.

What needs to happen for you to take action before it’s too late?

I still remember very vividly our Dallas Police instructors screaming at us, “Reaction rarely ever beats action.” What they meant by that was to always be alert and hypervigilant because by the time we would see a gun pointing at us it was nearly impossible to pull ours out and defend ourselves before getting shot or killed.

The reason I am saying that is because the left did not only show us their claws and fangs, but they are destroying our country.

What is it going to take for you to get up and raise hell? We might be back-to-back champions in the World Wars, but now the enemy is within, and they’ve been fighting a war in silence under the cloak of freedom of speech. They’ve infiltrated our education system from pre-K to Ph.D. level, the music industry, the film industry, newspapers, social media, etc.

Are you going to let them take our freedoms and destroy our country from within? Are you going to let them take the freedoms away from your kids and grandkids? Or are you going to join me and the Financial Policy Council to defend what my grandmother loved so much and what I and so many other Americans hold close to our hearts?

Let’s not let our forefathers and future generations down!

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Business is War

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So, you think you’re ready to go into business? Well, I hope you are ready for the war of your lifetime. Building a business isn’t a simple 1…2…3 process. It is much more complex. it’s about beating the odds, it’s a war, and just as in any war, you must come prepared to fight or else it won’t turn out too well. So before you jump right in, let’s make sure you have the right weaponry in your arsenal. Check out these 3 “weapons” that you must have if you are looking to kill it in the business world.

Know your stuff: Knowledge is power and thus your most important weapon. For instance, wanna be a killer negotiator? Hit people so hard with the facts, you don’t even give them room to breathe. Not to mention, you can use your knowledge to outwit anyone that stands in your way. The goal is to totally obliviate them. That’s why it’s important that you should always be seeking new knowledge. The more you know, the more kick ass you will be!

Build an Army: Having the right team behind you is just as important as having the right commanders in an army. They are the ones to help drive you to victory. You should build a team of like-minded individuals with diverse skill sets. Afterall, you alone can’t master everything…so you should have people on your team that are strong where you are weak. Most importantly, they should all share the common goal of helping to propel your business to success.

Have a thick shield: Business is not for the weak. You have to be tough as nails and have to revamp your mindset if you want to thrive. It’s that killer mentality that will help drive you to success. There’s no room for you to let your emotions get involved. You have to drive your business through intel. Plain and simple. The world of business is cutthroat and if you’re too busy licking your wounds because your feelings are hurt, you will miss out on great opportunity.

Building a successful business is a huge task at hand. Each step of the way will be a battle that you must be prepared to fight. It won’t be easy, but then again what war is? So, before you jump at the idea of starting your own business, ask yourself …are you ready to go to war?

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Redrawing the American Economic Map

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The American economic map is going to be redrawn by American citizens in the coming months and years. The way governors and mayors handled the COVID-19 crisis, as well as the way they ran their cities/states for years before COVID-19, led to millions of Americans to re-think where they choose to live.

Most headlines about COVID-19 relief are about forbearance, economic stimulus ($1,200/person), loans, relief packages and grants, etc. Those are useful, but they do not begin to scratch the surface of the real issues that slow down our entrepreneurs and businessmen: high taxation and high regulatory business environments. The best way to support entrepreneurs and businesses is not through grants and handouts; it is through sound economic policies and lower taxes. The system and infrastructure in which they operate must be business friendly.

Oddly enough, the states that were historically the home to the largest companies in the U.S., and where entrepreneurs from all over the world would risk everything to go to, such as New York, California, and Illinois, have grown over the years to be the least business-friendly states in America.

COVID-19 ravaged our country, economy, and way of life, but most of the damage was done through the over-reaction from state and local governments. The severe, extended lockdown rules and the arbitrary (and unfair) mandates allowing some businesses to function, while others were forced to shut down, without any real and consistent reasoning, have forced millions of American citizens to seriously rethink the state they live in.

Most professionals used to flock to places like New York and California because they provided many tangible career advantages, most important of which are opportunities and talent. Whether you wanted to pursue a career in finance, technology, medicine, arts & sciences, entertainment, the food industry, etc., states like California and New York dominated the pool of talent, and career opportunities. But not anymore.

It is estimated that half a million residents left New York since Coronavirus lockdowns started in March, and most of them refuse to come back. United Van Lines CEO Marc Rogers claimed that 61% of residents moving out of Manhattan are earning over $100,000 annually. According to a report from New World Wealth and Webster Pacific, the combined wealth in New York City fell by $336 billion in the 12 months ending June 30.

Meanwhile, tax collections in New York City dropped 46 percent in June, even while revenues generated in other parts of the state and the country recovered. That decline follows a 32 percent drop in May and a 23 percent decline in April. In May 2020, the state’s comptroller said the economic devastation facing New York had not been seen since the Great Depression.

Billionaires such as Carl Icahn (NY), Leon Cooperman (NJ), David Tepper (NJ), Paul Tudor Jones II (CT), Eddie Lampert (CT), Barry Sternlicht (CT), and President Donald Trump (NY), and many others, all left New York and the Northeast for states like Florida, where taxes are much lower and business regulations are significantly less stringent.

California is no better. California entrepreneurs and businesses are leaving the state by the thousands. In just 2018 and 2019— which were some of the highest economic boom years— almost 800 businesses said goodbye to California. Another 13,000 companies have left between 2009 and 2016.

Charles Schwab also announced they will leave San Francisco next year. Joe Rogan, the top podcaster in the world recently moved his headquarters in Texas, citing the insanity that California and Los Angeles have turned into, especially during the pandemic lockdowns. Elon Musk announced he is building a $1bn Tesla facility in Texas, after he was harassed by California officials for refusing to shut down his business in California. Musk intends to move all his operations from California to Texas in a short period of time.

The reasons for all these? Economics and draconian lockdowns.

Small Business Policy Index 2019: Ranking the States on Policy Measures and Costs Impacting Entrepreneurship and Small Business Growth” ranks the 50 states according to 62 different policy measures, including assorted tax, regulatory and government spending measures.

States like New York, New Jersey, Maryland, Illinois, and California consistently rank between places 45-50 out of 50. They are officially the least entrepreneurship/business friendly states in the U.S. On the other hand, states like Texas, Wyoming, Nevada, and Florida consistently rank in the top 5 states in America, as they provide the top environments and incentives for businesses and entrepreneurs.

Therefore, it is no coincidence that the 5 states at the bottom of the index have lost a total of $28.3 billion in Adjusted Gross Income, according to the latest IRS reports, while states like Texas and Florida have gained most of that income.

States like California and New York are headed for economic despair unless they do a complete reversal of their policies. Especially after COVID-19, for two reasons: First, people are not as tied to a place for work anymore as before – most people will not have to go back in the office like they used to do. The telecommuting trend growing in the US allows most people to choose where they wish to live, regardless of how far from work they are. And second, the draconian lockdown rules and the shutting down of businesses, woke up a lot of Americans who are not willing to put up with another government mandated lockdown, when they see other states in the country with much less stringent lockdown rules. It just does not make sense for them anymore.

Businessowners and entrepreneurs – research the best states to live and work and go there. The chaos that ensured from this lockdown created the perfect time to move to another state. Most rents and/or home prices have gone down, and people are more open to negotiating then before. Smart mayors and governors across the country are taking advantage of this fluid situation and are offering real tangible economic incentives to move to their cities/states. If you are serious about your business and have long-term plans, stop letting politicians and bureaucrats bully you.

Governors and mayors – Instead of demonizing businesses and entrepreneurs, constantly fining and taxing them, creating roadblocks through over-regulations and policies, the local laws should incentivize the creation of new businesses, new jobs, new revenues. Use tax incentives to promote cities that need economic growth. There are plenty of examples all throughout America, of cities being completely transformed through economic policy.

Economics, at its core, is the art of incentives, and so are economic policies: how to get people to do what you want them to do. If you want them to stay in your state, you need to provide the right incentives. Places like California and New York show a clear lack of leadership, and a clear mismanagement of incentives. Instead of attracting the best and brightest professionals, the governors of these states are literally driving millions of people away. It is clear something needs to change. The only question is, how soon or late will it be?

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Have the socialists set out to destroy your family?

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Under a socialist agenda, the family unit is drastically at stake as the socialists are seeking to break up families over time and create more single people who are reliant on the government for assistance.

There are numerous ways that they work to facilitate this. Whether it’s controlling your access to wealth, making you reliant on government assistance or creating eligibility problems for these programs amongst married couples, your family will financially be under constant attack.

Controls your abilities to provide: Covid-19 has brought out many of the flaws in relying on the government to tend to the needs of your family. As millions of people still remain jobless, the government has been slow to facilitate extended benefits. This has put many families at risk of homelessness and food insecurity. This is just a glimpse of the issues that widespread socialism will cause. Do you want this as your future? I’m sure you don’t. The well-being of you and your family is important. A socialist agenda will ensure that you are dependent upon the government to take care of the needs of your family. In times of need, as we have recently witnessed, you will be left out to dry with no control over creating a solution for the survival of your family. It’s scary to think that you will be helpless as your family is put out on the street and starves simply because you lack the funds to do anything about it and the government has no sense of urgency.

Incentivizes separation of family: Think about this… Socialism permits the government to solely control essential products like power and water, meaning no competition. Therefore they can set the prices as high they would like. Without competition, there’s no competitive rates. You would be forced to pay whatever they determine. Your cost of living will go up. With many people already struggling to survive on the low wages of 9-5 employment, this will force a ton of families to be reliant on the government for assistance. Here’s the catch…qualifying for these government assistance programs can be quite tricky. Essentially you must fall in what they categorize as below the poverty level. Single parent households have an easier time qualifying for these programs because there is often only one source of income coming in. Once married, if both parties are working, the household income goes up and this often makes many people ineligible for government assistance programs. Thus if you want help from the government…it’s almost best to just remain single. Yes, the eligibility requirements factors in the fact that there are two people bringing in income and adjusts the poverty line according to that. But they didn’t take into consideration that as a married couple, your expenses don’t just double, it goes up exponentially. You factor in things like children and other newfound responsibilities as a married couple and you’re often in much worse condition than people who are single and “living below the poverty line.” Logically, the government couldn’t monitor each and every person’s specific circumstance. There are millions of people to govern therefore your label as a number in the system, and not by the circumstances that surround your specific situation. For married couples, this often means that they’re rejected for benefits. With the cost of living set to rise of a socialist agenda, these family units will suffer the hardest.

Kills your ability to create wealth: As I’ve said before, the key to freedom is building wealth. Socialism inhibits your ability to create wealth, thus taking away your freedom. At most, they’ll give you just enough to survive based on their opinions of how you should live. And let me tell you, in their opinion covering the basic needs of life is all you should strive for. It’s no room for you to want the best for your family and they’ll force you into the habits of survival instead of creating the means to thrive. After all, it isn’t the government’s responsibility to make sure you are well off, it is their responsibility to keep you under control. What better way to control the people than controlling their source of income?

Burdened by the attacks of the government on your family’s financial security…is that the way you would want to live for the rest of your life? Look at the outcome of Covid-19, it has been an utter shit show. This is just a glimpse of what will be in store for the future if the socialist have their way. Your family’s well-being will be at stake here. Your family’s freedom. This isn’t the road you will want to go down. The family unit will be broken down overtime due to the hard financial hits that will be served and becoming a single will be made key for survival. Enough is enough. We must save the future of our families. We must strive to thrive beyond just survival. We must continue to embrace capitalism as a way to freedom. Enough said.

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