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 ?



Hammer or Piece of Rock ?

June 24, 2008

In  times when new type of technology is coming to any markets not every day, but every minute, I would like to take a deep breath and write about, what all the new tools, gadgets, new technology developments really means to me, the Dinosaur, who, by some joke of mother nature, is forced to live and adapt to 21st. century market conditions, while even by his own mothers opinion, should really be born 200 years ago.

I must admit. I don’t get excited much about any of the brand new fashion things. I don’t even have IPod and when I am in the mood to listen to my kind of music, I turn on old home stereo so loud, that the roof of my house, even by the building codes Hurricane resistant, is almost flying away.

I have PC, but only in my office, my house is a sacred place and I go back there to relax, play with my dog and when is my time to spend with my 6 years old son, it is just the 3 of us. My son, our dog and me.

There is no PS 3 or XBox or any other gadgets, which would take away the feel of rare, special presence, which only those , who are able to feel the true being could appreciate. The time will come and my son will require some of those and I will get it for him, but for now, we are happy as is.

So what all the new stuff really means to me ? I take it as a tool. No better or worse, than piece of rock or hammer thousands years ago. I will use it only when I need it in order to create something more. Maybe a masterpiece of some sort, who knows.
I like the action however, mostly on a tools, which could have a great impact how business will be done in particular industries. Currently, because of the chaos, there is a exciting action on real estate and mortgage related blog sites. I see, read and sometimes join debates about the new “hottest” thing, which is Tool for Transparent and Anonymous online pricing mortgages. The most debated is called Ratespeed and I have seen debate on one called RateWindow.

I will take the liberty and go back to use an expressions in my topic, my readers know it would come anyways.

There was a time , when humans used piece of rock to knock a wooden pole to the ground when building a fence. Soon after a guy came up with a way to create iron, another guy invented the hammer.

A great, warlike debate started all over the world, what is better for knocking the wood poles, easier to use and more accurate, then people started to use the hammer in practice.

History, as we know proved and showed , which tool is better and while there are still some using the rock, in parts of the world the hammer did not come yet, most of us, even dinosaurs like me, prefer to use a hammer. 

In the debate between the Ratespeed and RateWindow, I am already able to make a guess, which one is a hammer and which one is the piece of rock, but until you really start to use it, it would be “foolish” of me to tell you out in the open, you got to give it a try for yourself.

History will show and as matter of fact is already showing the distiction between those two and I myself like to use the hammer as a tool ( if I would be in real estate related business)..

In amazingly huge commentary debate at ActiveRain.com, which I read all over, not joined ( did not wanted to spoil the action with my timeless, always above any issue comments), I had seen many Re-pros ask a question.: ” Does the industry need a new hammer?” The answer is obvious, silly, It Does ! Otherwise , you would never have asked the question !!

Don’t get me wrong, I am still a dinosaur and I use piece of rock still very often , just not at a time I want to build a nice fence which is meant to last.

Does this post make a sense to you ?  Just curious….

P.S. I entered the debate on ActiveRain.com after all, got a fatal weakness for action and having a hard time in resisting to jump into a crossfire.

Some of the Real estate guys are great and fun debaters, go and check it out for yourself.

Enjoy it…



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 to get their attention and not end up Dead

May 6, 2008

  Yes my friends, I mean dead, but it’s used as an expression and the attention most of you lunatics want to get from, is The Venture Capitalist Gangsters. I used that picture on purpose and all of you, who count on VCs’ money as the only thing missing in getting your business on the road, may as well write the name of your business on that little, cute tag, hanging of the feet of that corpse. 

Put it this way..: If you approach me and ask me to invest in one particular product especially if it is technology related, I would not give you a dime, unless I know, that you are able to turn on spot, forget about that thing and move on, without any regards as to abandoning your original dream.

Let me explain.

 When I see you are so focused on one thing and so pitiful and foolish in thinking, that this is the only right stuff, which will “save the world”, you are unintentionally telling me, that in case some 12 years old teenager, waking up the next morning after his first experience with Whiskey comes up with better technology, this would not surprise me at all this days, well you are telling me that because of some 12 years old genius on the other side of the Globe, all my money will end up in Toilet.

One thing you need to understand.

 I, the Al Capone, the gangster, who you are asking to help you to achieve your dream..Personaly, I don’t give shit about your dream, I just want you to make me a money, alot of it and for that reason, I am not going to invest in the horse ( the product), if I will invest at all, then I will invest in The Jockey ( you) and when circumstances shows, that your horse probably not going to win the race, I want to be sure, that you are able and ready to jump on another horse, provided by whomever,you let your horse die with no remorse and you’ll  finish and win the race. After all, I don’t care, I just want to get the trophy.

So my fellow dreamers, Do You Finally Get It ???? 

In order to get my attention and not feel like a piece of dirt after you leave the table, you have to make me believe, that you are the best Jockey there is, because I am pretty sure, I can find you another horse, in case yours foolish, idiotic and crazy dream horse turns up to be a looser. Capiche ??

That’s what my take would be if I was one of the Gangsters..( I am not saying, that I am not..LOL)    

Back from The Jungle

April 13, 2008

That cute Orangutan below is actually me , balancing on one leg , walking the very fine line on the border between common sense and idiocy. In the very beginning of my blog , I said , that I am on the journey to find some answers to questions accumulated during those years I live life of an entrepreneur…

My newest trip was to explore the world of a small business financing . If you read my post “Gunfight in O.K. Corral , you know , that I don’t suggest to approach Venture investors until your business is ready to defend the agressive approach from the VC world . If you need venture capital for surviving , then you are already dead , you just don’t know it yet .

What’s even more important to know about the private investors world now is , that if your business idea , however making sense from the profit point of view , does not have “Web 2.0” in its DNA , you can save yourself the time and forget about VC’S at all.  Much smarter way to obtain capital for a start up is to prepare yourself and your new business for Bank financing.

If you use your head and think , there is a way , how to obtain a bank financing even for internet start up. The last thing I really knew how to do , is mowing peoples yards for living and even I own an Internet Start up now!! Yep , the world is going “mad” , it is time to take an advantage of it..

The journey through the jungle full of banks offering business banking and actually providing mostly none was so exciting and full of interesting findings, that it will take me a while to digest all the experiences . Of course as is my nature, I jumped on the “fast” train and went through the info with such intensity, that my head still hurts now.

A while ago , I read a quote ” Men plans , God laughs..”

Well , I had planned , joined  www.theXBanker.com , read a lot of very useful and valuable topics written by people associated with The Xbanker and its www.businesscreditsuccess.com , let them help me to secure successfuly the funds necessary to run and expand my business ,  then went again on a “solo” mission , just to find out , what’s out there..Let me tell you my friends , if you are not a “lunatic explorer” by nature like I am, I suggest, you let the professional in this field to do the job . And when you want a results , you better find those, who charge for their service , because cheap , will get you exactly just that , a “cheap” results.

In my previous posts I hinted a situation that I experienced with “WellFare bank” ,the final info about it is, that I fixed everything they said is preventing me from getting the funds , including removal all the negative stuff on my biz. credit posted and reported by some idiot about a person not associated with me whatsoever and what’s worse , person dead for more , than 3 years…

I faxed all the improvements to them and never heard from them back . I guess , those guys ended up , where all the losers do . On the government wellfare payroll. But every experience is good for something and now I know , that getting your reports straight , personal and business , is a journey for itself and you better walk it before you start applying for bank financing , otherwise , you end up with bunch of inquiries on you credit and a huge frustration on your mind…

However , I had not only planned , but also executed and beside the funds secured by XBanker professionals, I got some funding on my own, so actually even I am not a God in any means, I laugh, mostly because I had find a couple answers pretty serious , but still worth laughing.

The first : Don’t look for  logic in places , where is none..

The second : Don’t try to talk a common sense to the people , who has none…

And that’s the two “jewels” I am brinking back from the journey through “The Jungle..”

Being an Entrepreneur & Father

April 12, 2008

There is one thing which makes me feel like The most fortunate man in the Universe and it is , that however I had dedicated my life to the Entrepreneurial lifestyle , that’s how I like to live , somehow I had managed to build so strong bond between me and my 5 years old son , that he not only love me like an other kids love their father , but he actually really enjoy to be with me even when I can’t pay full attention to him …..It is probably because everysince he was a baby , I had took him with me everywhere I went..

To put it in short , when you ask him where he wants to be , in the Arcade playing or with daddy in the office , there is one answer for sure…..

I can talk about being a dad , but you better ask my son.  On the other hand , I am not a superman , so don’t ask me how to be successful entrepreneur and a good husband at the same time .

I really don’t know the answer for that…..