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Transcripts of Past WJAG Radio Editorials on Thursday mornings at 7:30

Editorial # 19 Economic Growth Simplified

In the world of governmental bureaucracies that provide "SERVICES", I have consistently found their agenda was to make things as complicate as possible so citizens feel they have no alternative but to use their help or hire someone to deal with what that bureaucracy requires.  Their other agenda seems to be one of always addressing the symptom, never the problem because the bureaucracy would be out of business if the problem was solved.

The model of making people feel dependent is being exploited now, more than ever, by putting additional regulations and licensing requirements on those providing these services with their mantra seeming to be one of only addressing the symptoms.

Services that give guidance and advice on matters like bookkeeping, tax preparation, legal services, investment management, medicine, therapy and many government services dealing with environmental issues are becoming more expense to use with less than ideal results, all requiring permission from the government to provide them.  It seems the government's agenda is to have citizens be as depended and helpless as possible with their desire to leave no choice but to force us to use them.

Now in this age of technology there are search engines that gather all the information in the world, making it available to all of us when the question is properly stated regarding any problem needing to be solved.  This is powerful and threatening to government bureaucracies who are supposed to be there to give us those answers, justifying their tax payer provided salaries.

Granted, theses people all have boat payments to make, but when their results are inferior compared to the free information on line from Siri, Google, or the Watson Computer, their days are numbered.  The concern of having citizens become fiercely independent is very threatening to a liberal, socialistic government.  Self sufficiency is a trait that is common in the conservative cause and explains the civil unrest against any attempt to lessen government involvement in any program.  The purpose for their existence is threatened and they need more victims to survive.

I always find it amusing when government economists and the congressional accounting office scores any bill to see if it is going have an impact on the budget or the debt.  To require a third party to tell congressmen how legislation will affect the budget is laughable.  It is simple and if they had any business experience they would understand the difference between investing and spending tax dollars.

Taxes are never spent.  They are always invested in those things that will reduce future expense when done in a timely manner.  Jobs are never created, they are a result of solving problems that cost money if not addressed with the pay always less than the cost of the problem.  Economies grow in only two ways: One by an increase in population and/or an increase in discretionary spending by the population.  Taxes must be used to increase desirable spending and investing and not penalize success and hard work.  

The government must live on what the supply side of taxes and not demand more taxes from the citizens to buy more votes through gift projects.

These principles are fundamental and seem to be completely ignored or forgotten by congress with the result being a larger debt with little or nothing to show for the increase.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials or review his books by going to his website: www.keithkube.com

Editorial #18 Conservatives and Liberals 

In my commentaries on the art of compromise along with understanding of what leadership and democracy is, we established this country is a republic, not a democracy and it is to be ran by managers, not leaders or dictators, that "WE THE PEOPLE" hire through elections.

These elected managers are supposed to reflect our personal preference that fall into two categories call liberals and conservatives.  Of course there are variations among members of these two groups, just like the difference between hot and cold water, with any debate over the variations in temperature not really constructive. 

A classical conservative will resist change and seeks the status quo in contrast to a liberal embracing change.....the faster the better.  The old mantra that my parents said to me applies: we are all born liberal and grow up to be conservative.

These tags have evolved into political parties with Democrats and Republicans stereotyped as liberals and conservatives respectively.  But the change factor goes deeper. If liberal changes are made, will they make matters better or will they be risking the wealth of Nation through their experimentation?  

It is not surprising a majority of the liberals and conservatives, Democrats and Republicans, do not really understand the positions of their party brand.  Their affiliation is often inherited..... "Dad and Mom were democrats and so am I". They almost consider it disloyal to change parties, like changing from Ford to Chevy or supporting a rival sports team. There is also a large dose of apathy and indifference that exacerbates the fact they don't know what their party actually represents.

The most current definition of a conservative is: to have government run like a business, operating fairly, honestly, in a sustainable way with no self serving agendas.  This approach uses systems that have worked for the most part to this point. 

The most current definition of a liberal is: to have government correcting past inequities through the redistribution of wealth to those, whose ancestors were wronged.  This approach looks at the thing that did not work and wants to make changes to correct that past.

The conservative approach seems to be forward looking while the liberal approach looks to the past along with the expectation that modernizing the old ways and mistakes could improve things.  It is not surprise that both parties are convinced the other party is absolutely wrong in their thinking. 

This debate has been happening since the start of the industrial age.  The evolution of political correctness and the explosion of welfare programs, that requires the number of victims to keep expanding, is the life blood of a liberal cause.

 The conservative cause thrives of self sufficiency with little or no government involvement.  Don't give them a fish but teach them how to fish.

Fairness, honesty, sustainability and integrity is where this debate must to be held with everyone looking in the mirror to be certain they are not violating these core values in advancing their cause. 

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials or review his books by going to his website: www.keithkube.com

Editorial # 17 Leadership and Democracy October 18th, 2017

There are two fundamental misconceptions that are pervasive across this country.  The first is the concept that the United State is a democracy and the second is this country is run by leaders.  These misunderstanding are infecting any hope of having this country run as the founders intended.

The United States has never been a democracy and any attempt through a national constitution convention must be stopped because their hidden agenda is to move the country toward socialism.

True democracy is a polite word for mob rule.  If everyone is fair, honest, believes in sustainability and has integrity, it would work beautifully.  But that is too much to hope for.  Democracy means a bunch of people, a mob, could gather and vote to take your house.  That is not fair, honest and smacks of hypocrisy.  No one in that mob would like it if they had their house stolen from them.  This happened in the French Revolution.  The man who invented the Guillotine to help advance the age of enlightenment and democracy during the French Revolution lost his head in the process of advancing the cause he believed in. 

The United State is a democratic republic where the rights of the individual are protected from mob rule through the Electoral College and a congress who is supposed the know difference....I hope.

The second point is we do not have leaders running our government.  The government is run by managers who take direction as stated in the constitution from "WE THE PEOPLE" who hire, through elections, these managers to run the country in a fair, honest, sustainable way with no self serving agenda or another way of saying "with integrity".

Leaders have names like Hitler, Kim Jong-un of North Korea, or Basher al-Assad of Syria.  They are dictators who tell people what to do with severe consequences if anyone who does not follow their orders.  All these countries tried democracy with the mob becoming so unruly that some "Alpha Male" eventually rose to the top and started telling very one what to do and the people liked it over the chaos of democracy.

The sad part is the people in these countries accepted this as an improvement over the chaos of a mob rule democracy with the ultimate outcome following the mantra, absolute power corrupts absolutely.

"We the people" are the leaders of this country and if "we the people" accept the violation of our core values of honesty, fairness, sustainability and integrity through apathy and indifference, we are doomed to eventually become a socialistic dictatorship.

Our lesson here is a democratic republic is a terrible form of government, but it is the best system in the world compared to all the other alternatives.  If we don't use it, understand it and everyone does not do their part in supporting our core values, we will lose it.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials or review his books by going to his website: www.keithkube.com

Editorial # 3 Definition of a Job Aired October 12, 2017

As I covered in last week's editorial, one of the biggest problems with our education system is the student's inability to apply the information they learned in school to solve problems.

This problem solving step is the only reason for learning anything and the only purpose for our education system.  If someone can not solve a problem that is costing their employer money, they will not have a job for very long.

If a student can not apply what they learn in school to solve problems, the time and money invested for that education was completely wasted.

The only reason a job ever exists in the first place is because there is a problem that is costing money with the pay always less than the money saved by having that problem solved.

No business owner will not pay someone $15 per hour if the problem is only costing $10 per hour. The sad part of this principle is many minimum wage jobs do not have a $15 per hour problem.  This means the job will go undone or a computer will do it instead for less than the $30,000 per year prescribed by a $15 minimum wage.

On the other extreme if someone can make the business owner $100,000 more per year, their pay will be something less than $100k.  This explains why executive salaries often seem high. It is because they are making the company much more than their pay.

I have hired hundreds of employees during my career and I would always look for two things.  One did they completed their education, showing they were not a quiter and Two they could tell me what problem they could solve for the company.

When I give lectures in high schools and colleges I would tell  them what the world's best question to ask the interviewer is: What problem do you want me to solve for you?  If a potential hire asked me that, I hired them on the spot.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials or review his books by going to his website: www.keithkube.com

Editorial # 4 Education Aired October 5, 2017

With all the concerns society has today, education is often mentioned as one of the most important.  The irony is the lack of educational opportunities is not the problem.  There are more colleges, technical schools and learning centers available now than ever before in the history of the country, not to mention the cost is rapidly rising to well over $10,000 per year per student in high school.  The real problem is the lack of these students knowing how to applying that knowledge.

There seems to be a complete disconnect between learning and applying knowledge.  The education model used today is simply one of exposing students to the information with the diploma a sort of a participation trophy. This makes about as much sense as picking a bushel of apples then leaving them in basket to rot. Students should be required to explain what problem they are going to help solve before they can graduate.  I always had a hard time figuring out what problem an art history major was going to solve in the world.

The amount of information in the world was doubling about every 1000 years at the time of Christ.  Today, the time to double the total amount of information available is about 1 year.  The time needed to double is expected to be about a day in 20 years.  The irony is: there is so much information available with much of it too complicated or changing too fast to apply any of it.  The result is a society with people about as informed as the average citizen was at the time of Christ.  In spite of that most people have the basic skills to do their job along with the ability to survive day to day by solving some problem for their employer. The current generation wants to skip the step of applying what they learned in school to solve problems and be paid only for what they know and not for what they can do for the employer.

The problem is students today seem to lack the skills to solve problems using the new information they learned in school.  The only real purpose for education is to know how to find and use the information when it's needed, not to memorize it for a test.

Teaching this skill is not exclusively for the schools, it is also the responsibility of the parents of those students.  Problem solving and self sufficiency is lived, not taught.   Another aspect to consider in addressing this deficiency is mandatory public service with everyone serving this country in some way shape or fashion upon graduation from high school. That in itself would solve many educational problems but that is a topic for another time.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two book on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials by going to his website: www.keithkube.com

Editorial #16 The National Anthem Aired September 28, 2017

With the contagion of these displays by athletics during the playing of our National Anthem, we are seeing classic predictable sequences playing out that relate to business cycles, political correctness and the violation of our core values.  These all have patterns that can not be ignored without experiencing very unpleasant consequences that can impact the future of our country.

In my editorial, the art of compromise, I addressed the ingredients needed to avoid these "unintended consequences". Our purpose in life is to make the world a better place by living the core values of honesty, fairness, sustainability and integrity but the country seems to have an infection of apathy and indifference that is playing out in a very visible way by these displays by players during the playing of our country's anthem.

The NFL's business model is in the latter throws of a natural death cycle that every person and business follows: they are born, grow up and die.  Companies like Sears, Eastman Kodak, General Motors and Bethlehem Steel are all examples. The NFL is rapidly becoming another casualty.

They are overplaying their hand by following a dishonest model of seeing how far they can insult and abuse their audience before losing money.  They pimp their players, charge a small fortune for tickets, the rule changes make the game almost unwatchable, they play in publicly funded facilities while taking a self serving, political correct positions like spouse abuse, breast cancer and racism, not because they believed in those causes, but because the think it would increase their viewing audience.

Now they are allowing players, who must otherwise live under very strict team and league rules, to express a politically correct positions that seems to impugn patriotism under the guise of free speech.  This is ironic because they did not allow the players to express any tribute to the five assassinated police officers from Dallas by putting a decal on the Cowboy's helmet.  This is only one example of hypocrisy and is insulting to anyone who likes football.

The league seems to resent the president for pointing out this hypocrisy and they hide behind the PC mantra by saying: it is divisive and hurtful to criticize the players for expressing their first amendment rights. 

No position is purely black and white, no pun intended, and there are always incidences of bad behavior that must be deal with.  But to spin it to look like the entire country agrees with it is wrong. The sad part is their positions are propagandized by fake new with most of these players too dim to realize they are pawns in the political correctness war that violates all the country's core values and spits in the face of patriotism, not the mention the system that allowed these players to make millions doing something they love.

The solution is simple.  If any business fails to realize they are violating the core values that made this country the greatest country in the world, stop patronizing that company.  In this case, if you want to watch professional football, watch it only to see what products we should all boycott.  This will quickly self correct this charade.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials by going to his website: www.keithkube.com

Editorial # 12 International Security Aired August 17, 2017

The recent events with North Korea are the result of years of "kicking the can down the road".  Like all situations, where only the symptoms are addressed, the problem always becomes worse if not addressed directly. 

Rewarding of bad behavior always breeds more bad behavior.  The climate of political correctness is largely responsible for this result.  North Korea is on the same spectrum as any social disorder that occurs today.  The disrupters want attention and appeasement always leaving an option open to get more appeasement in the future when they misbehave again.  

The politically correct approach is to be compassionate and giving.  But this result in more demands and exploitation from the victims receiving that compassion.  This happens with the Trojan Horse of immigration where compassion is rewarded with terror attacks by a few exploiting the system. 

When riots occur, there is an unlimited upside with little down side.  The rioters get tons of free stuff stolen from the stores they loot.  The insurance and government assistance comes in to pay for repairs.  The repairs require labor that comes from many of the same people who looted and destroyed the property they are now fixing. 

On the world stage, there is a similar attitude from rogue state North Korea.  The leaders tell the citizens they are being victimized which he exploits to fight this faux aggression.  The only real solution is removal of any dishonest leader that does not care about his people through the voter box.

It is hard to understand how anyone could be so self centered to allow his citizens to suffer for his benefit.  This sort of unfairness can not stand in our society.  I want to believe this situation is self correcting and these leaders would be overthrown, eventually, by the citizens.  These victims have nothing, much less weapons to overthrow this hypocrisy if the vote is not available. This is why we have the 2nd amendment in the United States, our protection from a dishonest government. 

The only remaining peaceful solution in dealing with a rogue country that threatens us: Borrow money from them and/or do business with them.  Not place embargos that only fuels more aggression of those who feel victimized.

No one will harm someone who owes them a lot of money or is their best customer.  This is why government must run like a business by those who know something about salesmanship, instead of doing things like sanctions which only further upsets a potential customer.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube of Crofton is a business analyst and author of two books on business management.  During his career, dealing with our 1000 businesses, he identified those traits commonly overlook, that were vital in all successful business operations.

Editorial #1A Property Tax Aired August 24, 2017

Property taxes will always be too high.  This is irritating but not the problem. The real problem with property taxes is they are not fair compared to the unban areas of the state.

The issue became a problem as rapidly rising values of farm property caused a disproportionate treatment between urban and rural families in funding schools.  The issue will never be resolved unless the tax law subscribes to the four components necessary for any good law.  It must be fair, honest, sustainable and have integrity.

The best law is no law with the second best law a law no one likes.

With property taxes, the urban areas like the law as it is with the rural areas feeling they are not getting a good return on their investment for their tax dollars.

People always want to get their money's worth when they buy things.  The same with taxes.  The farmers and ranchers want to be treated fair and not feel like step children of the state with the big cities taking advantage of them by taxing farmers and ranchers based on their net worth to fund schools.

They use their net worth to make their living which they pay income taxes on, and then pay a tax on the value of their land which is their nest egg. The urban population pay taxes on their home but not on their saving account or other investment which is their nest egg.

They use someone else's net worth (their employer's business property) to make their living.  Practically none of their net worth is used to produce school tax income while practically all the rural land is used to pay for schools.

If the tables were turned, this unfairness would quickly surface.  It is not fair to farmers and ranchers and until this is addressed the pain of high property taxes for farmers and ranchers will never end.

I having traveled to other countries where citizens treat taxes differently than we do.  Those countries fundamentally distrust their government. This country is the most tax compliant country in the world because the citizens, for the most part, feel the taxes are fair and they trust they government.   IF this trust is lost, this will be grounds for a "cold civil war" which no one wants.

This is Keith Kube wishing you the best in making the world a better place.

Biography:

Keith Kube, of Crofton, is a business analysis and author of two books on business management.  During his career as an engineer, investment banker and management consulting, working with over 1000 businesses, he identified those traits found to be vital in all successful business operations, but commonly overlooked.

Editorial # 14 Debt Ceiling Aired August 31, 2017

Our Congress is again dealing with the issue of raising the debt ceiling.  This almost biannual event is becoming a grandstanding show and not legislation.  I would think congress would be embarrassed for showcasing their incompetence of not being able to control their spending.

They seem to have no concept of how to run government like a business.  It is the biggest business in the country after all and we have politicians who have never run a business in their life trying to manage it.  It makes as much sense as hiring a school bus driver who doesn't know how to drive a car.

They don't know the difference between investing our tax dollars and spending them.  Investing means they put the money where it will defer or reduce future expenses.  The tendency now is to spend tax dollars to get votes with little regard for reducing future expenses, instead they spend on entitlements that become unsustainable.

They also work from the demand side of the budget and not the supply side.  They have their wish list of things they want to give us to get votes.  They then persecute the tax payer by penalizing success by constantly trying to raise taxes on corporations.  This shell game only causes businesses to raise their prices leaving the consumer to eventually pay the tax through higher prices.  They should work on the supply side by limiting the spending to only the income they receive.  A family is should not borrow money to go on vacation.

The National Debt will never be paid off, but it must be controlled.  No business operates entirely debt free.  It is leverage and the decision to borrow is a decision made because money can be borrowed at a lower rate than the return they will receive from the investment.  No one pays off a 3% loan with money on which they are receiving a 6% return.  So if the country wants to borrow more money, it better show better rate of return than the rate at which they are borrowing.

Even the most hardened spendthrift individual eventually realizes they can not keep borrowing money to have parties with nothing to show for it.  Just think, if politicians did not have a huge debt to deal with, these liberal spending habits would soon max out their credit card again.  This is what running the country like a business means.  All the complaining about how the current administration running things like a business is from those who fear their credit card will soon be canceled.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two book on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.

Editorial #7a Health Care Aired September 7, 2017

How the government invest our tax dollars comes to a very critical point when dealing with health care.  When does our personal obligations to our health care stop and when does The Government's responsibility to provide health care start?  That point is known as the social contract that must be decided by "we the people".  It is not for the politicians to decide.  It must be decided democratically.

This point is at the root of the country's health care problem and calling it health care is a misnomer.  It is not health care and it does not make anyone better.  It is simply a way of paying for health care.  We need to decide once and for all, do we expect the government to completely take care of us all?  Health care is becoming a welfare program by another name.

A socialist model of health care thinks the government should take care of everything including pre-existing conditions for everyone.  A capitalist model would say we, as individuals, should plan and take care of ourselves and our immediate family with health care being a business and not a social program.

These are the two extremes and the answer lies somewhere in the middle.  We must decide where our personal responsibility stops and where the government responsibility starts.  Where that point is must be decided by "We the People".  Any conversation that ignores this is hypocrisy, a waste of time and not constructive.

If "we the people" wants a welfare system that provides all our health care, then we must be willing to pay the bill.  If we want health care to be a capitalistic system that results in the best health care in the world, then we should do that.  Where that point is will be neither the best nor the worst solution, since it must be decided democratically.  But, it will be a perfectly mediocre answer with the final outcome being: we will die healthy and/or poor.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two book on business management.  During his career as an engineer, investment banker and management consultant he identified traits commonly overlook that are vital for all successful business operations.

Editorial # 9 Term Limits Aired September 14, 2017

With the on going saga of the health care debate, I find it ironic that a senator suffering from brain cancer would be hauled off the operating table to cast his vote to continue debate on overhauling the health care system in this country.

I have already commented on what it takes to fix health care, but now it's time to address the issue of term limits.

The fact is we already have term limits in this country.  It is call re-election.  The term limit issue is the symptom and not the problem.   The problem is the almost universal apathy of the American electorate.  Too many voters don't seem to care and continue to elect people who still remember when WW II ended.  It seems there are still some people in congress who served in that war.

Granted 80 is the old 65, but the fact is voters continue to re-elect senior citizens because they either  like what they have or they don't care. 

The fact is Term Limits is a liberal, Trojan Horse position with un-intended consequences if enacted.

The conservative posture of government is: it is not perfect but it works.  The liberal position is to completely over hall it changing everything from The Constitution to the Electoral College to form a socialist government.

Liberals love new, young, inexperienced politicians to win elections.  Congress is actually not the real ruling body in the country.  It's the career lobbyist.

The most effective way for advancing a liberal agenda is to get laws passed through influencing new elected politicians who don't yet know where the restroom light is.  The older establish congressmen know the ropes and are not as easily influenced.

We must be careful about what we wish for.  If we want term limits, then vote out those "old people" who are not supporting your positions.  Do not let the "Trojan Horse" of term limits undermine the greatest country in the world.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two book on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.

Editorial #15 Art of Compromise Aired September 21, 2017

Having lived much of my professional career in large cities, where people forgot that all food comes from the farm and not the grocery store, I have had more than my share of debating extreme ideas that result from radical thinking.

The irony is both liberals and conservatives have essentially the same desires and values: We all want a peaceful, clean world where everyone can be trusted, regardless of what they call themselves.  The unfair stereotype of a conservative does not mean they want war, a dirty environment and are uncaring and uncompassionate, just as someone who is liberal does not necessarily mean they all want peace, a clean environment and are compassionate and caring.  These inconsistencies were exposed by the civil unrest of the recent past.  The will always be extremes and exceptions found in any society. The only real difference between liberals and conservatives is simply the priority of which issues are most important to address and who should pay the bill.

Ben Franklin said "I will never compromise my core values of honesty, fairness, integrity and sustainability, but I will compromise on my preferences about things I would like to see."  To compromise our core values that are implied by our Constitution, makes about as much sense as disagreeing that 2+2 = 6 and then compromising on 5.

This sort of compromise is wrong.  It is not honest and is the reason we have a dysfunctional government that can't live within its means and is infected with political correctness.  Things that were previously thought to be always true are now examples of situational ethics gone awry.....things that were thought to be wrong are now considered acceptable.

The only reason to ever fight a war is when the opposition is forcing the country to compromise on one our core values of honesty, fairness, integrity and sustainability.  One does not go to war with another country because our basketball team lost to Russia in the Olympics.

It is important to recognize that we compromise only on preferences and not on laws that are unfair, racist, spend money unsustainably or advance an agenda that is taking to country closer to socialism or anarchy and away from our capitalist model of running our country like a business.

This is Keith Kube wishing you the best in making the world a better place.

Keith Kube, of Crofton, is a business analyst and author of two books on business management.  During his career as an engineer, investment banker and business analyst he identified traits commonly overlook that are vital for all successful business operations.  You can hear all his past editorials by going to his website: www.keithkube.com

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Issues Facing Nebraska Today

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