The Circus is Over

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It was hard not to be exposed to the recent Supreme Court hearings.

There were very strong opinions on both sides. I am not intending to favor one side or another, however, I would like to share some “process issues” that provoked a lot of comments, feelings and opinions.


There was little civility shown in the hearings. Just the opposite. Too many comments showed strong political bias rather than a search for the facts. Too much grand standing; little sincere questioning.

Presumed innocence

Too many Senators tried to make the case that we must change our philosophy of “innocent until proven guilty to “Guilty until proven innocent.” This is a very dangerous thought that could have far-reaching outcomes. We must not change our concepts of fairness for a short-term political benefit.

Public vs. private hearings

Many make the case that private hearings would reduce the grand-standing of some Members. However, this would deny citizens that right to know the candidate or the issues. Public hearings provide information to be shared, provided more decorum is exhibited by the Senators. The chairman must have the right to control the Members if their comments become too politically motivated.

Term limits

The actions of many Senators make a strong case for term limits. How many years should one serve in the Senate? Is 12 years or two terms enough?

The founders’ model was to serve the government and then to return to civilian life. They did not want it to be a full-time job forever. Food for thought!


The ability of citizens to assemble, protest, and to make their wishes known is a vital American right. However, one must be orderly and respectful of opposing points of view. No one has the right to destroy property and/or injure others in their zeal.

Interiors of governments buildings should be off limits. Hearing rooms and the Senate chambers aren’t the place for emotional out-bursts. No one has the right to accost government officials or impede their passage.

Believe in your cause but respect other view points as well.


  • We must respect the opinions of others and act with civility to all that are involved.
  • We must maintain the standard of “innocent until proven guilty.”
  • In short, believe in your cause but also remember and respect our American value system.

We have the greatest country in the world. Let’s keep it that way.

Be Kind—Be Civil—Be American.

We Must Stop Illegal Drugs

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The use of illegal drugs is a tragedy for America. Deaths continue to increase dramatically year after year.

The problem is not going away. The major drug—heroinis now being supplemented by Fentanyl, a more powerful opioid. A dangerous form of synthetic marijuana is now available with tragic results.

We must stop this flow of illegal drugs now.

Here is one solution that works!

The bulk of illegal drugs come into our country via our southern border. In practice, we have an “open door policy” for drugs and people entering the U.S. We must secure our borders. This is the number one issue for most voters. They want action. The problem is growing!!

Why can’t we get something done?

Politicians would rather have the issue as a talking point. However, what we need is action.

Thousands are dying each week, while Congress looks the other way. This lack of leadership must stop…NOW!

President Trump has provided strong support for a barrier on our southern border plus more border agents. Why can’t we get something done???

Republicans talk about doing something about our border, but nothing happens. Why? They want cheap labor.

The Democrats oppose strong border control because they feel the bulk of the illegal immigrants will vote Democratic when they become citizens.


At one time both parties supported a physical border fence. The Secure Fence Act of 2006 was introduced in Congress on September 13 of that year. It passed within two weeks. It called for construction of a barrier from San Diego to Yuma, AZ. The fence has been effective in controlling illegal drugs and immigration, especially in the San Diego area.

The current limited barrier needs to be upgraded and expanded to be effective.


We have a drug epidemic in our country. People are dying by the thousands. Millions more are affected by the scourge of illegal drugs. The supply of cheap illegal drugs must be stopped.

A border wall, plus more border guards, will be a potent force to cut off supply while also helping stem the tide of illegal immigrants.

Write your Congressman and Senators. Demand that they take the necessary steps now to control our borders. To ignore this solution for political purposes Is beyond comprehension.

Socialism Doesn’t Work

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There seems to be a wave of socialism sweeping the country. Bernie Sanders had a strong showing in the last presidential election. As a result, the Democratic party risks being hi-jacked by the ultra-liberal left.

Richard W. Rahn recently wrote in the Wall Street Journal, “Alexandria Ocasio-Cortez, a self-proclaimed socialist, won the Democratic primary for a congressional seat in New York. Why would a sane person advocate a political movement that was responsible for well over a hundred million deaths in the last century, as well as untold misery?

I find it difficult to understand who would want to embrace socialism. Just look at Venezuela, Cuba and North Korea. Who in their right mind would want to trade America’s capitalist success story for the failures of socialism?

Can you think of one socialist experiment that worked in the last several hundred years?

I define socialism in two simple sentences: Socialists always like to spend other peoples’ money. This “works” until you run out of other peoples’ money.
Some believe the lack of clear thinking about socialism can be traced to our education system. The benefits of capitalism are not taught in our colleges nearly as much as the supposed benefits of socialism. Our students hear that capitalism is not “fair.” Why? Because some people are more successful than others. They earn more money. They have a better life.

America is the greatest country in the world; providing abundant opportunities for success. In spite of government interference, people start companies in their garages, growing them into successful enterprises employing thousands of people.

This doesn’t happen under socialism. In fact, just the opposite occurs. Socialist governments confiscate companies. Venezuela is a prime example. There the government took over the oil industry. The bureaucrats can’t run it and today the entire industry is in shambles. Thousands of jobs and billions in economic benefit are lost. In spite of the gigantic wealth of natural resources, Venezuela’s people are starving and fleeing the country. The country’s elections are a joke and the ruling Socialists refuse to acknowledge their failure.

Some in the news media imply that America’s young people are embracing socialism. I acknowledge some are, however they are in the minority based on my observations.

I live in the heartland of America, and I interact with college students all the time. I share my thoughts on Leadership, Empathy and the Power of Persuasion with business schools in our region. I have found these students eager to learn and to be firm believers in capitalism.
These smart young people are anxious to start their careers, learn a trade, create new companies and make a successful life for themselves. In other words, they are embracing the American dream.


Socialism is an economic disaster! It has been a failure whenever it has been tried.
Most Americans do not embrace it, despite what the media or ultra-liberals might imply.
America’s great success proves that capitalism works!

Happy Birthday America!

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We share many blessings in America…freedom of choice, freedom of speech, a dynamic economy where opportunities abound.

Unfortunately, too many Americans take these blessings for granted.

When one watches television, reads the paper or gets on social media, we witness vicious attacks and angry viewpoints. Open discussion has been replaced with divisive commentary and accusations. For example:

A television personality posts pictures of herself holding the severed head of our President;

The President’s wife and their 12-year-old son are verbally harassed and threatened;

The President has been called out with one vile attack after another.

What prompts this incivility? Have we no respect?

I suggest we take a deep breath and ask ourselves, is this the way adults should act?

My answer is NO!!! Instead of inflamed rhetoric, we need discussion and understanding of the challenges our nation faces, and there are many.

We must work together to solve our problems. Talk is cheap. We need action.


We have serious problems with our current immigration policies. Rather than one omnibus bill, Congress should identify what we can agree on and pass it one step at a time. It’s time to get something done!

North Korea

We have a major opportunity for peace with North Korea. Six months ago, we were worried about ICBM’s hitting Hawaii. Now, we are sitting at a conference table talking to each other. What will the outcome be? No one knows but at least, let’s give it a chance. I suggest we offer positive support to the process. Let’s not defeat it before it starts.


Our economy is booming; growing at 4% and climbing. Wages are increasing as well. Last month’s Reflections covered this success story.

Yet, we continue to hear from the Democratic leadership that if they are elected they want to increase taxes and bring back job killing regulations. This is not the Democratic party I knew under President Kennedy. He cut taxes and we saw the economy boom.


We must replace incivility with respect for other peoples’ viewpoints. And let’s eliminate the foul language in the media; it offends and distracts from the real issues.

I hope Americans can find common ground where we can do the right things and remember that

All of us will be judged on what we do and not by Who we criticize.

Despite all the criticism, we have the greatest country in the world. Our forefathers gave us the framework for success. Our responsibility is to build our country and not destroy it by doing dumb things!

Let’s work together to make America stronger.

Help Wanted. Business is Booming!!

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Employment numbers are setting records. Federal and state income taxes are exploding with dramatic increases over prior years. In short, the new tax bill is working!!!

This, coupled with reduced regulations, are favorably impacting the workplace in many ways. For example:

  • I’m seeing more and more “help wanted” signs when I’m shopping.
  • A local plumber is advertising a $5,000 signing bonus on the sides of his trucks.
  • Trucking firms are offering cash signing bonuses, too.

In short, workers have more choices, and this results in higher wages.

If you’ve been watching some of the media, you might have missed this “good news.” Why? They’re too busy trashing the President. For instance, the New York Times has at least one story a day attacking the President. Why is this?

Sixty-three million people elected Trump. He is our President. For those who don’t like him, vote a new candidate into office in two years. In the meantime, the President’s nominees should be voted on by the Senate. Let him have his team!

Democratic Party

I cannot understand the Democratic Party and its strategy of “NO!”

Not one Democrat voted for the tax bill. In contrast, their strategy was to attack the bill and its many benefits. This makes no sense. Why can’t the two parties work together and do what is best for all Americans?

The Democrats have convinced themselves they will take over the House and Senate with this “NO” approach. I think the voters will say NO to the Democrats come election day.

Americans respect “doers” and achievers. That is what Trump is doing. The progress he has made is staggering, and the voters will remember in November.

North Korea

We may have a breakthrough with North Korea. Will the Korean’s be rational and work out a deal for peace and prosperity? Only time will tell. Is it worth a try? I say yes!!

North Korea has much to gain by bringing capitalism to its country. What a success story it would be if we could end the Korean War with prosperity for all.

Let’s present a united front in the peace talks. We need to be firm on the nuclear weapons issue and eliminate this threat to peace.


Americans admire and welcome achievers. America was built on a “can do” attitude. We want our leaders to get things done…solve problems. That is the test of true leadership and that is what Trump is doing!

The Democrats would be well-served by working with him. America would be the winner.

Be Prepared!

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Mark McGraw, a frequent contributor to Reflections on the student loan crisis, has prepared a comprehensive document on emergency planning for families. With the tornado and hurricane seasons fast approaching, I felt the Reflections audience would be well-served by sharing it with you. Below is Mark’s article, “Be Prepared.”

­—Jim McGraw

Hurricane Katrina changed by life. I saw a total collapse of society into chaos in a matter of hours. At that moment, I decided that I needed to be prepared for an emergency.

The most likely disaster scenario we may face is the loss of electricity for an extended period of time. This could be due to a storm or other disaster that takes out the electrical grid. Things can get even worse if you lose water, natural gas, have flooding or need to evacuate.

If you are forced to leave your home, make sure you:

  • Know how to shut off your electric, natural gas and water supplies in your home.
  • Know how to drain your plumbing in case you lose heat.
  • Know the escape routes from your home in case you need to evacuate.
  • Keep your vehicles full of gas.
  • Know ahead of time what  you will take;
    key documents, laptop and key hard drives, passports, etc.
  • Have a plan for your family on where to get together and how to communicate.

It’s also vital to have the necessary supplies with you. FEMA is a pretty good source of information, especially In addition, here are the things I recommend

  • Battery powered or hand crank radio with AM/FM/NOAA bands. Plenty of extra batteries.
  • Good flashlights for every member of your family, again with lots of extra batteries.
  • 30-60-day supply of non-perishable food.
  • Solar charger for your mobile phone and other hand-held electronics.
  • Water. FEMA recommends a gallon per person per day.
  • Camping equipment including propane cook stove, lanterns, heater, sleeping bags, etc.
  • First aid kit plus dust masks, plastic sheeting and duct tape.
  • Toiletry kit with items like soap, hand sanitizer, toothpaste, contact lens solution, etc.
  • Two gallons of Clorox bleach for cleaning and purifying water.
  • Toilet paper, diaper wipes, zip lock bags and trash bags.
  • CASH, in small bills.
  • If you have babies or pets you will need supplies for them as well.

Some of these items may have a limited shelf life so check them periodically.

Hopefully you will never have to use any of this advice, but as the Boy Scouts remind us, “Be Prepared.”


Thanks to Mark for sharing these important emergency planning tips. I hope you find them useful. As they say, “better safe than sorry.”

Fiscal Blackmail

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The $1.3 trillion-dollar spending bill developed by Congress and signed by the President is a joke!

With little involvement of Congress, we saw the “leaders” of the House and Senate throwing together a 2,232-page spending bill that had to be delivered to the White House in a wheel barrow. And then they had to temerity to demand the President sign it to “avoid a government shut down.”

All parties agreed that no one has had time to read the bill or even begin to understand what is in it. What we can be sure of is that it is so full of “pork” that it oinks. For example, Sen. Chuck Schumer of New York has billions for his tunnel in New York. And, there’s billions more for the military. Let’s at least hope they spend it wisely.

The Debt

The overall federal debt now exceeds $21 trillion and is projected to grow by trillions more as far as the eye can see. Have we become so used to the magnitude of the problem that we no longer care? If so, what a tragedy!

The attitude in Washington seems to be, “spend today and let the next generation of “leaders” and taxpayers deal with the problem.”

Interest on the Debt

We spend quarter-trillion dollars per year on interest payments for the national debt. Fortunately, we’ve had relatively low interest rates in recent years.  When that changes, every one-point increase in interest rates will add $200 billion per year to our borrowing costs. We stand on the precipice of a fiscal disaster!

The President

The President was angry when he received the spending bill. “No more last-minute bills,” he roared.

I predict that this flawed budgeting process will not end unless, or until the President refuses to sign these bills and shuts the government down. Then you might get Congress’ attention. They don’t know how to function in an orderly manner. With a stroke of his veto pen, the President might finally get them to understand, “no more flawed bills.”


Congress is dysfunctional! I don’t care if they’re Republicans or Democrats. The only fiscal difference is the Republicans spend slightly less.

The main job of Congress is to develop a budget. Yet, every time we turn around they are headed out of town on another break. We need to write our Senators and Members of Congress and tell them to


Spend less time in front of the cameras. Stop your useless “hearings.”

Solve our fiscal problems. They won’t go away with your lack of leadership!

I know many don’t like the President but let him do his job. Approve his appointments so he can govern.

The Senate has become the body of “no.” McConnell needs to lead, and the Democrats need to start doing what’s right for America.


The “process” we witnessed on the $1.3 trillion spending bill must stop. We are tired of the last-minute drama of bloated spending.

Congress must adopt an orderly process of developing spending bills that people have time to read, understand and support.

Congress must understand, if they don’t want to do their jobs, we will find LEADERS that will!

Leadership: The Critical Element

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In my program Leadership, Empathy and the Power of Persuasion (, I speak about the importance of leadership. Here’s an example.

General Electric has been in business for more than 125 years. When Jack Welch was CEO, success was achieved year after year. After Welch retired the Board selected Jeffery Immelt as the new CEO. During the Immelt years:

  • Sales declined,
  • Net income fell,
  • Market cap dropped from the $600 billion range to less than $200 billion
  • What caused this debacle?


I define leadership as

The ability to achieve the right objectives. On time, through people!

During his time as General Electric’s CEO, Mr. Immelt made a series of mistakes. For example, buying back stock at a high price that consumed cash, and deploying a flawed acquisition strategy.

Board of Directors

As GE’s business declined, one could ask, “where was the Board of Directors?” Eighteen people were sitting in the board room reviewing Mr. Immelt’s lack of results every three months. They said or did nothing as salaries and bonuses went up while the company fell further and further behind.

Action Needed

Now, a new CEO is trying to turn the company around. He may have to sell off assets and totally restructure the company.

What should happen under the new CEO’s leadership?

  • The entire board should be dismissed (many have already left.)
  • New people with strong business expertise should be added.
  • The new board should be kept to a manageable number.
  • Board members should be required to spend at least one day a month visiting GE’s various business units to better understand the challenges they face…and LISTEN!
  • Each board member should have to own at least $250,000 worth of GE stock, making them stake holders in GE’s success or failure.

Leadership vs. Charisma

Obviously, business isn’t the only sector where leadership is needed. We are witnessing a dreadful lack of leadership in Washington, DC where our politicians seem more concerned with their image and political livelihood, than solving our nation’s problems.

At election time, many voters confuse charisma with leadership. Charismatic people look good and sound good, but they often don’t accomplish much. In time, their appeal is lost.

True leaders solve problems!
Charismatic people talk about problems, But may not solve them!

What we need now, more than ever, are government leaders who can propose thoughtful solutions to our vast range of problems, and make difficult decisions to address them. 


In business and politics, leadership is the key to getting things done for a stronger America.

Reflections on Our President

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Many years ago, I had the opportunity of hearing Joe Barr, the Secretary of the Treasury, give a talk on government leadership. He warned what would happen if more and more government officials had no commercial employment experience, or had never run a business. In short, he stated, “we would rue the day if our government leaders did not have commercial experience.”

Consider the striking difference in commercial backgrounds in our last two presidents and their cabinet members:

Only eight percent of the Obama cabinet had business experience. In contrast, 90% of the Trump cabinet comes from industry.

What does that mean?

  • Key objectives have been established with demanding time tables for results.
  • A “can do” attitude has been evident.
  • Regulations have been dramatically reduced.

People feel the optimism in the stock market with its soaring values. People are pleasantly surprised when they see their IRA results.

Our nation’s Gross Domestic Product (GDP) annual growth was at 2% under Obama. It’s increasing to 3-4% under Trump.

In short, Trump and his leadership team are proving that



The President has had a demanding schedule going overseas to share his vision, while also greeting an endless number of leaders at the White House.

Sometimes his message has been one of “tough love”, i.e., his comments to NATO members and historic lack of financial support. Now, those governments are paying their fair share.

The President has carried a consistent message to our trading partners: “We will work with you however, it must be fair for both parties.”

The Tax Bill

The new tax bill has had a major impact on business and individual behavior.

  • More than 250 companies have provided significant cash bonuses to their employees, plus adding to their IRA’s;
  • Other companies are moving back to the USA;
  • Overseas companies are building plants in the USA.

The President

In spite of the fantastic results in his first year, the animus towards President Trump continues. His family has been criticized with complaints about Mrs. Trumps shoe selections and other worthless drivel.

I grant, Mr. Trump doesn’t always “Tweet” the right message, but I believe his actions and comments reflect his love for America.


America is booming!!! We are optimistic with a bright future. I think we should take time to celebrate our success, don’t you?

I urge the Democrats to quit being the party of “No”. We have problems that need to be solved: Immigration, terrorism, infrastructure and more. It will require the leadership of both parties to address these issues.

Let’s make America even greater. It is our country!

The Path to Fiscal Sanity

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President Trump has made positive progress in reducing costly regulations; eliminating 22 regulations for every new one in 2017. However, more work needs to be done in the new year and beyond.

Tax Bill

There are many differing opinions on the impact of the new tax laws. However, its goal is to stimulate the economy by permitting people to spend or keep more of their own money. We need clarity on the new law to address negative opinions vs. actual outcomes.

The Budget

Congress needs to develop a rational budget to address our ever-mounting fiscal debt. The only way to control spending is to cut costs across the board. Government must do what we do when we have less money to spend…Cut Spending!!!

The federal government collected $3.46 trillion in 2017 compared to $3.268 in 2016. In spite of a gain of nearly $200 billion in revenue, the deficit continued to climb. Clearly, we have a spending problem.

To give you perspective, here are some shocking numbers on spending for 2017:
(Numbers are in Billions. Source: U.S. Federal Budget.)

Healthcare (Medicare/Medicaid) $1,130.4
Pensions (Social Security/Disability) $1,006.1
National Defense $ 823.1
Welfare $ 358.7
Interest on Debt $ 262.8

Total $3,580.6 (90% of the $3,980 billion spent.)


Both parties need to sit down together and address the problem. We do not need more TV sound bites. We should start with the Bowles/Simpson report from a few years ago that outlined a game plan to address overspending. The report was well written but unfortunately, ignored.

The President needs to start the process with the leadership of both parties. The press should be encouraged to support the process.


2017 was a great year.

  • The stock market was up about 25%
  • Regulations were reduced
  • A tax cut that benefits middle income Americans
    was approved.

2018 should be another positive year if we can make progress on reducing spending.

Strong leadership will be required to address this nagging problem. The American people are looking for, and expecting, positive results. This task will not be easy and it will require strong leadership from both parties and the President.

We must stop this fiscal insanity before it’s too late.

The problem is not going away. We need leadership NOW!

This month’s column is by Jim’s son, Mark McGraw.