Zubispeak’s of the World ( epilog)

July 9, 2008

When I started to write this blog several months ago, I had stated that I am on the quest to find the answers to the questions Who & Why ?

I found them and along a way I meet a few ” Zubispeaks” like me.

And that’s all I ever wanted.

I will keep the explanation for myself, but as always I’ll give you a hint…:

Yesterday I got the Economic stimulus payment check from the government in the mail.

It made me want to puke, it made me sick .

I will tell you people, what it is. First they steal the money from the producers like me and others entrepreneurs under the threat of taking our biz. away otherwise and then, when everything goes to hell, they want to bribe us to make it work.

Well, I tell you, I don’t want it ! It is probably partially money coming from some of you my fellow warriors out there, but I did not sent it back to them, they would waste it on some “needy” useless project.

I contributed it to one of the local Animals Shelters.

Because of the actions of us humans, animals are those who are needy, not the humans.

I am writing  final post of this blog. I had said everything I wanted to say……

This is end of this blog, but rest assured, Not the end of THE ZUBISPEAK

Now, I have a railroad to build and steel to pour, I may appear somewhere else one day…..

Who Knows ?



The Boat and It’s Purpose

June 17, 2008

Don’t worry, I won’t be talking about Titanic, however it may seems, that the economy looks like it, it is not. Plus the Titanic crash was the Captains fault, but when it comes to economy, markets, business conditions, society issues and peoples’ situation in general, the Capt. , as much as painful it is to say that for me, has not much to do with it.

The passenger them-self are the ones, who are sinking the ship !!

Let me explain..:

If your job is paying you $ 2,000.00/ month, you have no business to be buying $ 500,000.00 house .

When the banks are giving you a free money on credit and the media are encouraging you to spend it, it is your own fault, if you do so without knowing how to re-pay that. You are like a fish, jumping on a fat bait, just because at this moment, it looks like an easy, free lunch and you are too stupid or lazy ( in this case means the same), to cook your own.  

If you imagine all of this above like a huge boat and us, the business owners, consumers, employers, employees, home buyers and home sellers, credit card users and credit card issuers..etc. like a passengers on the board of this huge boat, the boat will stay afloat as long as us, the passengers stay evenly spread over the top of the deck. 

At the moment, when some naive idiot thinks that the other side of the boat, the one which he is not on, offers easier, better…blah,blah,blah ,  the”sheep” will follow . The balance gets broken and the boat starts leanning on a one side. Even the ones, who started the “mania” ( for instance banks giving credit to veryone, like there is no tomorrow a while ago), will get carried down with the crowd and pushed into water.

The ones who was misleading are sharing the missery with the ones, who they mislead right now and that is just fair, as long as some morons, who has the power to rescue the guilty, does not do so. You can’t expect an idiots to change, by bailing them out everytime they get in a mess.   

The good news however is, that even while many people drowns, or just get their lazy, stupid fat ass wet, the boat never really sinks totally. There is always a few of us left, knowing that “collectivism” is the ultimate enemy of an individual.

Crowd mentality has a tendency to ultimately kill the crowd it-self. It is the purpose and duty of an individual who has the gift of ability to resist the peer pressure and thinks free regardless of the crowd opinions to make sure the boat get balanced again.

The best way to achieve this, is to occupy the places left by the “blind”, maintain them, make them pretty, to attract the survivors back on theirs spots.

If you understand what I am talking about here, then you are one of the few. I don’t need to tell you how to do it, maybe just reminder.: Do Not Forget to “stake out” your new teritories and make up a Price for each piece, because we can’t be giving it back for free, for simple reason…:

The Boat would get too quick of the balance again.

Don’t worry about the drown dead bodies, you can’t polute the beauty you had created, make a place for those still swimming and the ones, willing to learn how to swim.

At the moment the boat gets afloat again and you had sold all of the “vacant” places, look over the whole deck and find your new spot to stay on, because while temporarily off duty & purpose, it will come back again…

The crowd has No memory and never learns..

History always repeat it-self, sooner or later and “uncle” BEN can’t do damn thing about it !!!  


“Uncle Sam”, No surprise !

June 1, 2008


I am tempted, for a while now, to write an article about the government latest Joke, that is the “welfare check”, they sending to us in order to jump start the Economy ( which has been stalled ironically by their own actions). Had not written it sooner, because been thinking real hard how to start it politely and not to offend the bunch of idiots running the affairs on behalf “The People”.

For the purpose of this piece, by government, I mean not only the politicians, but also the Central Bank, the banking industry officials and other wannabe’s experts, all of them leaderlessly running in the chaos, caused by their ignorance and/or arrogance.

I think, I came up with a polite start, which nobody could sue me over.

Here it goes..:

” You bunch of Morons, you got it all wrong ( no surprise here). We, the rare breed of entrepreneurs, Don’t want to be fed free lunch ( in a form of stinking soup), we want to have a license to Hunt, to Grow, to Raise our meals…!!” I say stick the lates joke back to your ass and give me the right to access and buy the ammunition. I said buy, not to get for free…

I can see myself walking in the Central Bank money auction room, dressed in Columbo style, faded, wrinkled gray overcoat, with unlighted cigar in my mounth and two big guys on my side, in a black suits, each carrying a big, empty suitcase. We sit way back in the corner of the room and observe the auctioneer, offering a different amount of money to various banks and theirs officials, to make a bid for the interest rate on.

I would probably have a lot of fun by listening to the arguments of all those Citigroups, Wells Fargos & others, why they can not take it for more than 2,3,4,5 % and how hard it is to make a return on it. Of course it is, especially because they know only two ways how to use it. Either give it away, or sit on it. In any case, by some weird mechanism, they always get it “backwords”. In the time, they should carefully consider every loan, because of amounts skyrocketing, they were giving it away. In the time, when entrepreneurs need it, to light the fire to cook the meals for everybody to buy, they restricting the access to it.

But back to the Auction.

I would observe the “crying” for a while and at the point of getting “sick” of it, I would whisper to the ears of my two guys my orders and they would approach the Auctioneer telling him this.:

” Fill up the suitcases, our “boss” is offering 15 % and he is taking it all..”

Then we would walk out of the room and while lightning the cigar in my mouth, one of my boys will take down the “No Smoking” sign of the government room door, because every rule written by the Man, can be overwritten by another one!!!!

P.S. This post is imaginary expression and the smart readers will see the point in it.

The ones who don’t, good for you, and have a fun in standing in the line for the next load of the free & stinking government meal !!



How Do I Know..??

May 21, 2008

Know what, you ask? Know, that we, the citizens & residents of USA are in deep shit and it started much sooner, than all the geniuses with bunch of diplomas from all kinds of worthless educational institutions are willing to admit.

If I had told you 3 years ago, that the US economy is just about to crush, nobody would believe me.

How did I see it coming, it is very easy to explain. And it has nothing to do with the “phony” numbers, the government is supplying the Stock Markets. It has everything to do with ability to observe and use a common sense.

Put it this way. 10 years ago all the people I knew in my old country were asking me if there is any opportunity for work in USA. Just like Bob Dylan sings in one of his songs, “Times, they are changing..”, that’s how the situation changed during not even decade.

The same people are calling me now, asking me to reserve a condominium on the Beach for 2-4 weeks for them, because they want to spend a vacation in Florida. They come here, enjoying the weather, buy any possible thing, they can carry on the plane and when they say “good bye” to me, their last remark is : “It is unbelievably cheap here..”  The first person I know did it exactly 3 years ago and when the arrogant immigration officer , used to asking a stupid questions, asked if he is going to be illegally working in USA, my friend told him the truth : ” I am going to be fishing , you moron !!”

I am not going to make a long list of reasons for this situation, because first of all, nobody is going to pay me for the trouble and the time I spend on analyzing that stuff, and for the second, nobody would take me seriously anyway. 

But I will make a little hint here.

Last time I checked, my computer was not able to “shit” eggs and I don’t think the Web 2.0 can assemble a car or even bicycle. Don’t get me wrong, I love technology and internet is very valuable for gathering informations of all sorts, but still it supposed to be just a tool for creating some “real” stuff, not the Goal in creating a Phony value.

It is only my private opinion, but I think that the real reason for the US Dollar to sink almost to worthless piece of paper is, that instead of Doers, worthless Talkers are in control of US business.

Personally, I could care less, my customers loans are collaterized at least with some value ( car), unlike the milions of mortgages collaterized by nothing else, than Fake apraisals. If it comes to the point I need to re-po the collateral, I am pretty sure, I will find it in front of the local city homeless shelter and resale it again, but believe or not, I actually really care for the US customer, after all, in the big picture, I am One of Them!!

I had asked my 85 years old grandma if there is anything the “Big Ben” could do about it.

She had scratched her gray hair for a moment and then she told me..: ” Stop Printing the f….g Money!!!”

Well Ben, there you have it….. 



Just Like The Hussites

March 21, 2008


QUOTE  :    ” Nothing was more distant from their intentions than attack and war , not them , but their enemies called in the bloodshed and destruction . They were the first , who not for the wealth and estates , not for the feel of the power , but to defend the highest asset for all humanity -the right for self governing and freedom to live by there own conscience , had no other choice , than to arm themselfs and take on the terrible , long fight against all their enemies , whom did not want  anything less , than a total destruction for them , and to the whole worlds’ surprise , victoriously ended it..”        Frantisek Palacky  /  19th century historian , about 15th century protestant movement in Bohemia /Czech

Now , I am not a Hussita and I hate any kind of violence , my weapons always were my voice and the words , I had spoken against communism in my “old” country at the times , when you could go to jail just for reading the wrong book . I got out of the politics a long time ago and went to live here in America , the only country , where if you really want and you are determined enough , you can still achieve your dream . That’s what I had been doing , achieving  dreams , a lot of them , against all the odds and everytime I hit an obstacle or challenge , I thought I must be doing something wrong . Yeah , I had made mistakes on the way , everybody makes some and all you can do is to learn from them , but lately , as more business I do , more dealings with all kinds of institutions , I am beginning to see , what’s really wrong…..

This time , I don’t think it is the government, abusing power, as much as is the danger of Stupidity.  In society , where one single wrong or fabricated information punched in a computer system by some stupid , useless , pencil & button pushing moron and idiot , can literally destroy peoples dreams , I would like to come out of my “shell” and start exposing that stuff not only for myself , but also for all those small business owners , “little old ladies” even naive idealists , who could very well be the “victims” of this and don’t have the courage , means , or just the “stubborness” to fight back .

When somebody either unwillingly , by mistake , or worse , intentionally post a wrong info on your business credit , he literally has the power to destroy your future . Yes , we , the entrepreneurs know , that we need to monitor our credit , but there is not only one  bureau  to monitor and even if we do “catch” some mistake , it takes time to fight to remove it , and time is the number one valuable asset in an entrepreneurs’ life.

There is a custom , that when you criticize , you should also have a solution to offer . Maybe I do. Let’s make the politics , the legislators do their job and come up with a Bill ( Law) on behalf of the millions small business owners and make the “reporters” not only able to report , but also be criminally responsible for any damage , they cause by reporting the “wrong” info . Let’s make the business credit bureaus be responsible for collecting wrong info and not double checking that stuff . Last time I checked , a person in America is supposed to be presumed innocent until proven guilty . In many cases , a persons small business is all what he lives for , his dream .

I had made many of my dreams come true during my life here , I could be just as happy ,  sitting at home and watching my 5 years old son play with his dog , but there are a lot of those , who are just making the first shot for their dream , so let’s take the challenge , make a difference and maybe help , just a little bit to those , who are feeling discouraged , hopeless or frustrated after going through similar situations . My private “war” is not private anymore , right now I am waiting for a report on my company from yet another credit agency , because those idiots in “WellFare Bank” could not find any reasonable reason for not approving my line and came up with some fabricated “shit” . This time , I will not only dispute it , I will take as long as it takes , get to the bottom of this and make sure , that whoever is responsible for that , it will be the last “heroic” deed he acomplished in his misserable career .    

Words hopeless , discouraged & frustrated , somehow does not exists in my dictionary , throwing “shit” in a form of incorrect info on peoples’ credit and think you guys can get away with it , is not only wrong , but really, really.. Stupid .

I am a very tolerant person with a little “twist” :  I have Zero Tolerance for Stupidity!!!

Maybe I am still being a Fool , but when I see wrongdoing , I just can’t shut up……We’ll see ..