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Name: John Crutchfield
Email: p.crutchfield@comcast.net Biography
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The Night Before Christmas

Twas the night before Christmas and all through the house,
not a creature was stirring, not even a louse.
 The wallets were hung by the chimney with care
in hopes that taxpayers soon would be there.
 Fannie and Freddie, were snug in their beds
while visions of bailouts danced in their heads.
 Frank and Dodd, a fine pair of crooks,
rewarded their cronies for cooking the books.
 When on the TV, news broke with a flash;
I sprang from my couch to count up my cash. 
 Away to the desk I ran with my cup 
tore open our statement and promptly threw up.
 Our nest egg had crashed along with the market;
a lifetime of work and no safe place to park it.
 When what to my horrified eyes did appear,
but a legion of Marxist engineers.
 With an articulate leader, born for this drama,
I knew in a instant it must be Obama.
 More patient than vultures his armies they came
to feast on our carcas, he called them by name.
 "On Harry, on Nancy, Kucinich and Schumer,
confiscate wealth from those greedy consumers!"
 From the streets of Wasilla, to the National Mall;
"Now tax away, tax away, tax away all!"
 Like vile opportunists on the wild market ride,
their agenda with sneaky intentions they hide.
 All through our freedoms they trampled about
and coerced from the people our right to speak out.
 And then in a moment I heard on the stoop
the scuffling crunch of each heavy boot.
 As I drew a tense breath and was turning around,
Barack and his storm troopers smashed the door down.
 He was dressed in Brioni from his head to his feet,
looking ever so sharp like the liberal elite.
 A bundle of dough he had flung on his back
for the poor CEOs and political hacks.
 His eyes were determined, his stare was so cold,
audacity, yes, his manner too bold.
 His chastising mouth was bent in a frown
as he went on to tear our dear country down.
 The butt of a Camel held tight in his fist
as he checked once again the names on his list.
 With cunning he'd carefully planned this assault;
"Don't blame me", he said, "its all Bush's fault".
 He was lanky and cut, a right fit human being,
but his luster diminished with what I was seeing.
 A vengeful eye and a shake of his head
soon gave me to know I had plenty to dread.
 He spoke lots of words as he went straight to work
and filled all the wallets with money and perks.
 The plan was conceived that we hard working stiffs
would pick up the tab for these onerous gifts.
My pockets they emptied, my cupboards left bare,
they then searched my sofa for change hidden there.
 To the convoy he went, with his thugs all in tow,
brushing their tracks from the new fallen snow.
 And then he took off for some deliberations
to surrender our land to the United Nations.
 But I heard him exclaim as they drove out of sight,
"Merry Christmas to all, from the good Reverend Wright!"
 
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We Had a Dream Too

A long time ago, a young guy decided it was time to set out in his own business.  Joe had developed enough skill, he figured, working part time in his field of endeavor to give it a go.  And so, he set out to make a name for himself and over the next few years, the business grew quite steadily to the point where he felt the need to hire someone to help share the load.
 
Soon, Joe thought it was time to open a shop where he could ply his craft and provide better service to his customers.  After some searching, he found a good location and laid out the triple net fees the landlord required.  He paid the necessary insurance, the water and the heating bills and endless miscellaneous business related expenses including building some inventory and tooling up the new facility.
 
As the business continued to grow, it was necessary to bring on some extra help, so Joe hired another man and then a couple of part time people a little later.  Business was booming and everyone was happy as could be.
 
With everything going his way, Joe decided six years of paying rent was enough and purchased some land where he and his wife, Nancy could build a solid business to provide for their financial security and to leave something for their children.  The building was great. It was carefully designed and very well thought out and Joe was the envy of all his peers.  Ahhh, life was good..........too good.
 
Without warning, only a month after moving to the new location, their biggest client closed it's doors after one hundred years in business.  The following year their second biggest customer closed after forty eight years in business.  The economy was in decline and work was drying up.  Joe found he couldn't plug the leaks fast enough and his ship of dreams was sinking fast.
 
He tried to hang on to his people, but there was no way.  Eventually they all moved on to greener pastures.  Thank God they could.  Joe wasn't so lucky.  He had leveraged his house against the business loan and with every passing day, found himself a little deeper in debt and no relief in sight.  His business was dying, his credit was junk and the marriage was suffering terribly. The situation seemed hopeless.  It was a dark time the couple would just as soon forget.
 
For the better part of six long years Joe fought to keep his dream alive, but in the end, he had nothing left to give in this losing battle.  The couple had used up all their savings, cashed in their life insurance policies and ate up all the equity in their home trying to keep the business going.  Credit cards were piling up and suppliers threatened to shut them off.  The commercial property had lost close to half it's value and the bank moved to foreclose.  Filing for bankruptcy was the only way Nancy and Joe could save their house.
 
When it was all said and done, the couple had lost over two hundred thousand dollars.  They could have run around blaming every Tom, Dick and Harry, but the truth is they were victims of their own ignorance. 
 
They had made a critical error so common to budding entrepaneurs and corporate CEOs alike.  They had failed to plan for the worst case scenario and when it happened, they were unprepared for the ensuing beating.  But unlike the CEO, the entrepaneur risks his own money and sweat equity.  Failure, for him, is personal. 
 
Nancy and Joe have had to revise their goals downward from building a business to just paying bills from week to week.  Still paying off lingering debt fifteen years later and with all that's going on nationally, they are wondering how they will ever be able to retire.
 
Joe and Nancy's story is only one among millions of hard working people who took a chance and paid dearly.  For most of them, it isn't over yet.  Like Joe and Nancy, they're watching their home values drop with the housing market and their 401Ks are tanking with the stock market.  Their nest eggs are being plundered by a faceless pillager against which there seems to be no defense. 
 
These are the folks who want to know why their government thinks it has to use our money to insulate the UAW from the realities of life and the financial difficulties the rest of us have to suffer through.  Surely you won't be surprised to learn we don't endorse $700 billion bailout packages for mismanaged corporations and schemes of spreading the wealth around.  Those solutions only reward failure and encourage more of the same.
 
 
 
 
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