Business Planning Is Not Just for Start-Ups

All businesses need business plans. They are not only for start-ups but established businesses too. Business plans help you define your strategic goals that will enable you to hit or surpass your financial and non-financial business goals. However, a business plan is not a budget. It is an annual plan on how you will reach your financial and business goals based on strategic information such as competitors, target customers, geographic expansion and so on. A budget is a management tool that breaks down in detail by month how you will achieve the plan. The budget is used to compare actual performance against budgeted performance so that you can take immediate action when things go off track.

Annual plans are usually used by managers of the business and focus on specific goals that the company wants to achieve by the end of their fiscal year to take the business in the right direction for profits, growth or both. These goals can range from hitting certain profit targets to improving productivity. It is up to senior management to decide what are the most important drivers of the company that will enable growth or profits.

Once the total organization goals are set then each department should create its goals that will help achieve the overall company goals. Here’s an example:

ABC Labs has set the following annual goals:
Increase profits by 10% over last year
Increase market share for its testing products by 5%
Improve customer service ranking by 2
As a result of the company goals each department has created the following goals:

Sales Department – Increase sales by 20%
Manufacturing Plan – Increase productivity by 15%
Marketing Department – Reallocate current marketing budget to focus more on testing products than other product lines
Service Department – Hire 3 more customer service representatives
As you can see, each department goal fits into achieving the overall company annual goals. Now that the goals have been set, the next step is to create a set of pro forma financial statements by department that rolls up to the total organization. The purpose of this is to break out the goals by month so that progress toward goals can be tracked monthly and individual departments can be held accountable so that your annual goal is met.

The budget and the annual plan should correlate to one another and both should be used as key management tools.

As President of Loftis Consulting, Kimberly Loftis provides hourly, interim, and part-time CFO and business plan services to businesses. Loftis Consulting can help you grow by helping you manage your business both financially and strategically.

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10 Business Driving Lessons

Business requires qualified and certified drivers just like a vehicle. In order for a driver to qualify to sit behind the wheel, controlling the movement, speed and direction of the vehicle, they have to undergo training, certificate and eventual deployment. Major catastrophes happen on the roads sometime leading to fatalities and extreme injuries due to driver’s lack of knowledge of the machine he/she is in charge of. Just as you have driving classes, there are business classes ranging from sole trader, Informal sector, Small to Medium Enterprise or Entrepreneur (SME), Large corporate all the way to multinational conglomerate. At each level as you go up, the quality of driving is more strenuous, the level of responsibility gets bigger and expectations and deliverables are more involving. If we would throw a freshman out of college to be at the helm of a multinational listed company, we can easily short circuit the person’s career such that they would hate the idea of being at the helm and driving seat of a business. It is important to gradually promote people as they get the relevant experience at the lower end of the business driving classes. As you drive on the roads, you have road signs which help you to know the nature of the area you are in so as to govern how you drive. I am going to give you a parallel of business driving and vehicle driving.

Driving Lessons:

1. Trainee driver requires a coach – People pay money to get a few minutes of coaching a day from and experienced, qualified tutor. It is tragic however that there are a number of people who clamor for positions of power in organizations without having done the business driving lessons with a qualified tutor helping. Some people think that because their father was a businessman then genetically speaking they too become business people. This is a fantasy that must be erased from the mind of every potential business person. You need to spend hours in training, being coached on business best practice, learning business principles and models. You cannot become a business person genetically or by osmosis.

2. Check the condition of the car daily before driving – You cannot rush to turn on the ignition on your car before you check the oils and water, check under the car lest there are pet and children playing there. In business, it is important to check the condition of a business before assuming office. What is the financial strength, human resource skill base, production capacity, revenue potential? Daily as you start your business day, check yesterday’s performance in all areas, before you can safely drive your business today, the health of your employees matters as it affects the wealth building drive you have. Just the same way you check fuel and oil levels, check the petty cash and bank balance levels too. You need these balances as you make decisions during the day. You don’t want to be stuck in the middle of nowhere having to ask every passerby for a little bit of fuel to take you back home.

3. Plan your trips to avoid waste of fuel – At the start of each day you need to know which places you are going to drive to so that you schedule your trips accordingly. You do not want to go to the same area four times in a day all because you lacked planning. This results in a waste of fuel and increased wear and tear on the vehicle. Likewise, you business day begins with a plan, how will you drive the business today? In what direction, using what roadmap, using which vehicle or business tool, with whom will you drive the business, who will the passengers be, who are some of the co- drivers with you? Which meetings will you need to attend and at what time. Driving is all about planning. Failure to drive according to the business plan results in organizational goals not being met.

4. Watch out for danger warning signs – one category of road signs is the danger warning sign. In most countries it is marked by a triangle and has an inscription on it on what danger to watch out for in the respective area. As you drive in that area, you exercise a high degree of caution and care on the road lest the perceived danger comes on you and the vehicle. In business there should be enough warning signs that you watch out for. Other businesses publish cautionary statements to shareholders, economic leaders usually give warning signs in terms of how the economy you are driving your business in is performing. Statistics of the performance are published in media from time to time. Driving the business blindly ignoring all the given warning signs is detrimental to the success and growth of the business. You will drive in dead end roads, into potholes and slippery paths damaging your car unnecessarily. Some of the blunders in business can be avoided if leaders become poster literate, keeping abreast with legislature in the environment they operate in.

5. Pay attention to the Informative road signs – Information is important as you drive. You will receive information about where the nearest police station is, the distance you have covered so far, how far the next town is, where to find fuel, where you can rest and so forth. Information is power and the sooner you get hold of information the better you can drive. In business there is information everywhere. Stock exchanges publish the performance of businesses where you can buy stock from, you get information concerning trade fairs and exhibitions you can participate in or attend, you get information all over the internet concerning best practice and inflationary indicators. As an effective business driver take heed to the information you have. What you do not know can actually affect you. You can only take the business to a place of influence based on the level of information you have access to. College signs are part of the Informative signs as well. As a director you need to get all the knowledge and information necessary for your role. An informed business driver is the best driver that exists.

6. Regulatory signs are crucial for you – As you drive your vehicle around, there are road signs that regulate the speed at which you drive your vehicle. You are either told to slow down, increase speed, stop, give way to other vehicles and so on. Without regulation, there is chaos on the road. In business, there are statutory authorities who regulate your driving. Such authorities look into aspects of health, taxes, pensions, medical insurance and so on. There are also industry specific authorities who regulate your quality level. They can tell you to stop a certain product and give way to other fresh players on the market, they can tell you to reduce or increase production. Sometimes on the road your speed is pushed by those behind you who may desire to get to the destination ahead of you. In business you have regulators as well who seek to wipe the market and flood it with their product. It calls for vigilance and determination

7. The most important mile is the one ahead of you – As you drive, you need to be careful how you handle the next mile ahead of you. While it is good to remember the last 1200 miles you have covered, the good, bad and the ugly, it does not change anything but remains a reflection. What is more crucial is what you will face in the mile ahead. As the driver you remain vigilant and you pay attention to every detail that the mile presents. In business, historical performance is important to have so that we see where we have come from. It is however important to project and work towards the next quarter, next five years etc. You need to have vision and foresight to be able to anticipate what is coming ahead and make corrective action now to avert the impact.

8. Before you embark on a journey count the cost – It is important that you budget every aspect of your journey to ensure that you get where you are going and back Budget for incidentals, fuels, oils and refreshments on the way. If you feel it would be costly to drive then seek an alternative that you feel can achieve the same result within your budget. In business, you cannot ignore the issue of financial budgeting in all the projects you set out to embark on. It is a waste of time to start something and then feel you cannot continue having spent millions of dollars on the project and still be at 45% in terms of completion. The value of your money that has been sunk into the project keeps losing value as you could have used that money elsewhere bringing better return. Count the cost as you set to build that business park, count the cost as you offer employees increased benefits that were normally not on the budget. You need to start what you plan and finish all you have started. You are the driver who finishes the race not stopping midway.

9. Every car make and model is different – have situational sensitivity – You may have the same car make as your neighbor but sometimes the same functions you are used to are now digital instead of manual e.g. automatic gear box, power windows, power mirrors etc. Each car must be treated differently according to the blue print of its manufacturer and original vision and intent of the car. Similarly as you drive the business, you may not necessarily be the original visionary and architect behind the vision hence you need the guidelines of the one who created the initial blue print. The same Holdings Company may have a transport business, a timber plant, an oil refinery and a hotel entity. In all those businesses there are specific business dynamics you need if you are told to go and head or drive the divisions. Take time to establish how you will drive even though you may have driving experience. Learn the new environment and its processes. If it is a hotel for example, take time with the chef, take time with the room cleaners; understand the registration processes, revenue collection and all systems relating to the specific business. Orient yourself with the whole business. After all you will be responsible for driving it even though you may have co-drivers, assistants etc.

10. Exercise Defensive Driving techniques – The safety of your passengers is extremely important. If you can avoid an accident do all it takes to exercise the caution. Do not kill people because you have the right of way. Drive your car and also drive those around you. Think on behalf of others. In business Safety and life of employees comes ahead of production and targets. Provide the protective clothing necessary; provide safety training, evacuation procedures etc. Invest in Health and Environment related matters. They have an impact on your employees’ welfare and the well being of your business environment. Avoid danger at all cost.

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Business Drivers Behind the Online Spreadsheet Boom

Last night, a factory manager in Singapore stared at his Dell Latitude waiting for his master inventory to be updated by his supplier in Korea. Meantime in Seoul, emails are frantically exchanged among inventory clerks at three factories to produce a final document.

Yesterday afternoon a CFO submitted financials for the Quarterly Board report. This morning his admin found out the most current HR data was on HRversion5.xls, not on HRversion4.xls that he used.
The National Sales Manager finally received monthly forecast spreadsheets from six Regional Managers, who each collected spreadsheets from their respective sales teams. Even though it took two hours to painstakingly combine all the data, cut & paste errors produced an overage of more than $1 million in forecast revenue.

Business Transformation 101

How can events like these keep recurring? Don’t companies spend billions of dollars each year in IT infrastructure to coordinate such things? Don’t core business systems include applications to control manufacturing, inventories, sales activity, and finance?

Of course they do. And the open secret is this: they don’t work. They can’t.

The makers of ERP, Supply Chain Management, CRM systems and the like have focused on management of the internal functions of the enterprise. In many cases, they’re just not applicable to the way business is done today. Tom Friedman helped describe a new borderless globe in The World is Flat. There is now little dispute that the primary locale of business conduct is outside the four walls of the mother corporation and disconnected from the infrastructure meant to manage it.

Employees in home offices, vendors based overseas, and field sales teams scattered over five continents must function and interact while disconnected from their respective corporate IT assets. By necessity, they improvise. They use the tools they know and the tools they have in common.
What began as stop-gap workarounds have now become de facto standards for intra-company and intercontinental business. Outlook and Excel have become the functional core applications for 21st century collaboration and productivity.

So what’s the problem?

Excel was designed as a personal productivity tool, but is now relied on as an enterprise-class application performing as the lynchpin to the “flat world”. Every week, millions of Excel spreadsheets circle the globe launched from Starbucks, airline lounges, and office cubicles. For internal applications and data, Corporate IT enforces security, version control, user rights, backup and permissions. But Excel is out there. It’s on nearly every computer worldwide and can be created, edited – and thanks to email -exchanged wherever, and whenever, there’s a WiFi connection.

Email can be a double-edged sword. Over the past 15 years, it has become an indispensable, universal communications tool. It’s the number one method for file transfers – whether a daily cartoon, pdf, YouTube movie, or Excel file. It’s convenient, universal, and instantaneous. And although it’s a key component of the Excel workaround, while helping solve one problem, it creates a host of others.

Control: Once you click send, the file is no longer under your control. What could be (and probably is) sensitive corporate data is in the hands of people you can only hope are trustworthy.
Time Email is sequential. If you need input from multiple people, you are dependent on them opening, contributing, and resending the document in a timely manner. Which person in the chain has it now? How are they progressing? When will I get the file back?

Responsibility: So who changed what, why, and when? Are you working with the latest version or is someone else out there making further edits? And with the looming presence of Sarbanes Oxley, tracking the formation of the work product is now a corporate imperative.

Safety: There are good reasons a company spends millions of dollars on security for its servers and its data. In the wrong hands, company secrets can be divulged or employee information can be compromised.

Email and Office applications have come a long way in the last 20 years. But business imperative notwithstanding and despite the dependence on these technologies, by themselves in their current state, they represent a band-aid, not a breakthrough.


The concept of “community” is not new. The idea of two or more people bound by a common interest can be traced to man’s earliest endeavors. More recently, and thanks to the growth of the Web, thousands of “communities” have sprung up to serve people with specific hobbies, interests, or political leanings.

The advent of Web 2.0 technology has led to hosted communities where members can interact with people of mutual interests. Sites like My Space and Facebook were among the first to exploit the Internet community concept. For the most part, these sites are geared toward consumers and individuals who interact in their personal time. But what about business? Is the concept of community relevant to them? Absolutely – in spades!

The supplier in Singapore that ships product to the factory manager in Omaha is, along with the COO at New York headquarters, members of a community. Their common bond is the mission of producing a product on time and on budget. Their communication link includes telephone, fax, and email. These kinds of ad hoc relationships may not feature the formal label, but they are communities none the less. By necessity and custom, communities are a fact of business life. As they continue to proliferate, the challenge of exerting control and maximizing productivity becomes a primary pursuit.

Managing Communities

Managing the concept of community is emerging as the Holy Grail for taking command of the new business paradigm. The billions of dollars invested in traditional IT infrastructure – the sophisticated application suites, bullet-proof security, and armies of IT professionals – are impotent in extending benefit and control to the dispersed workforce and communities.

The prescription for a breakthrough in online business community management must focus on several key issues.

Security: Once you email a file / document, you no longer control its distribution. It is permanently in the possession of the receiver who can do with it what they will; today, tomorrow, or next year. Your company’s intellectual property is now one click away from being in the public domain.

Collaboration: Often, many people are needed to contribute to a given project. This is especially true for spreadsheets. Waiting for a response from a sequentially forwarded email to 12 people is not collaboration; it’s more of a chain letter.

Conformance: Collaboration, communication, and productivity are unlikely results if a community works from different tools or applications. Microsoft Office products are on more than 400 million computers around the globe. Excel is the gold standard of spreadsheets and is used by 9 of every 10 businesspeople in the world.

Innovation: Today’s communities have different needs than their cubicle-based predecessors. Ideally, the community structure would not only accommodate, it would provide productivity features not currently available either in native Excel or in corporate applications.

Defensive Proactivity: On the surface, an oxymoron; but regulations and accountability are realities to be faced head-on. Where is the documentation of who changed which cells, and when? A solid, auditable paper trail is an absolute necessity.

SaaS Why do people need Software As a Service? Because they want instant real-time applications. The SaaS concept is the keystone to delivering online communities. Security and always-available information are managed for community members with centralized control.

Online Secure Storage: The only way to have one current version of the truth is to have one current document everyone accesses. And without the file residing on any one personal computer, the data will never be compromised or lost.


eXpresso is software infrastructure that adds a shareable dimension. It is a Web 2.0 hosted workspace for Microsoft Office applications. The first offering is for Excel spreadsheet management and collaboration in secure, structured business communities. eXpresso was developed on the principles and criteria mentioned earlier in this document.

eXpresso users include small workgroups, cross-enterprise project members, and dispersed sales teams. Corporate financial departments and compliance experts use eXpresso to control the gathering and reporting of accounting documents.

There is no attempt here to detail all eXpresso features or contrast it with alternatives. An interactive product tour is available at and interested parties can try eXpresso for free. Sample highlights:

­ Create or edit Excel spreadsheets online in real time
­ Store Excel spreadsheets in a secure, encrypted central repository
­ Collaborate & share spreadsheets with individuals & groups
­ Assign or revoke View, Edit, Download, or Copy privileges
­ Compare cell & formula differences between spreadsheets with one-click

Why Excel?

One of the conspicuous differences between eXpresso spreadsheet management and online alternatives is the eXpresso support for Microsoft Excel spreadsheets. Many of these other products promote an online alternative to Excel. Competing with Microsoft for a share of the office application market is certainly ambitious. But there’s little evidence people want a new spreadsheet; what they want is a shareable dimension to the one they already use.

Today’s mobile, dispersed workforce faces communication and productivity challenges (as described earlier) that have little to do with merits of specific spreadsheet applications. The real problem is a lack of structure to serve the millions of communities that already have a spreadsheet they like: Excel. Offering a generic spreadsheet with reduced functionality does nothing to improve collaboration or support business communities.

The commitment to support Excel users is grounded in three tenets at the forefront of eXpresso philosophy.

1. There’s nothing wrong with Excel. In fact, it is arguably one of the most reliable applications in the world. And, a spreadsheet application can’t be instant if it isn’t Excel – if you have to learn something new, it isn’t instant.

2. The second reason can be described with a number: 150 million. That’s the global estimate of Excel business users who are prime candidates to become immediate eXpresso users.

3. Beyond the raw numbers, Excel has been entrenched as the spreadsheet business standard for many years. People know it, like it, and use it.


The traditional structure of business is rapidly becoming obsolete – driven by fundamental shifts in the way people work, the way organizations interact, and the disappearance of conventional constraints of borders and time zones.

One of the ways to accommodate change is to formalize and apply structure to naturally occurring communities of like-minded businesspeople. The Web 2.0 concept is a vital foundation and enabler for using the Internet to deliver community management and specialized application services.
Offerings in the online services arena will continue to grow. In the spreadsheet market specifically, potential users will gravitate toward the service that delivers universally valuable features.

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Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

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What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

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