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Graduate School
Obamacare' ignores basic RM principles and practices:
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CEO: Richard A. "Rich" Woldt Biography
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I've said it over and over again. If not repealed, Obamacare
will destroy the U.S. health insurance and healthcare
industry.
We're now faced with skyrocketing health insurance premiums,
fewer doctors willing to accept Medicare patients and headed
for a reduction in quality healthcare for seniors. The Congressional Budget Office (CBO)
now predicts a $716 billion reduction in Medicare
benefits; up from their 2010'
$455 billion prediction which had already been raised in 2011 to
$507 billion. It's not just the money!
You don't
have to be an actuary to know socialized medicine will never
work in a free market society.
The
Society of Actuaries estimates
Wisconsin's insurance claims are going to increase 80% under Obamacare.
This cost will
inevitably be passed on to consumers either in premium
increases or indirectly
through reduced employee' benefits. Nationwide
there's a 32 percent average increase in claims, so grab
your chest and wallets. Go to
http://www.soa.org/NewlyInsured
to read the SOA’s report on how much taxpayers will be
paying for the newly insured under Obamacare.
This could have all been avoided simply by creating
government subsidized "high-risk" pools in the private
sector, expanding markets across state lines, and putting a
fork in Obamacare during the 2012 elections.
Get the picture? See the trend?
Click here for a little
Johnny Cash on Obama.
Click here for a short gun control message. |
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There are two types of risks,
"PURE risks" and "SPECULATIVE risks."
Pure risks such as natural disasters, pandemics, fraud and
dishonesty, etc. cause only losses. Speculative risks hold
out the hope for gain but can cause losses. Voting Obama to a second term, supporting
legislation that moves us toward
Socialism, disarming America while arming our enemies, driving
us in debt to Communist China, and forcing Christians
to abandon their faith to fund abortions, are "speculative risks"
that can threaten our freedoms, destroy our economy and
endanger the hopes and dreams of our next generation. It's time we
revisit the Risk
Management (RM) principles on which our free democracy was built. In 1826 John Adams said, "There are
two ways to conquer and enslave a nation; one is by the
sword, the other is by driving it into debt."
Click on the following questions and identify the pure and
speculative risks facing your family.
(1) Does
Obamacare threaten Catholic charities
in your community?
(2)
Will Obama' budget cuts solve our
fiscal crises? (3)
Did denying God during the DNC
threaten our Christian heritage?
The price fixing in Obamacare; i.e. capping what doctors
are allowed to charge, limiting deductibles and co-pays and
dictating what must be covered, will continue to drive
premiums up and quality of care down. May God help us!
Abortion is not healthcare.
Required funding it via Obamacare must be stopped! click here!
Rich Woldt - CEO
The Risk Management Learning Center |
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Risk Management
(RM) is a three step "method of
management" used to identify, measure,
and control risks created as we pursue
life, liberty, and the happiness found
in living in a free society. Free of
what? How about
taxation and reams of government regulations.
Free to eat what and when we want, own what we
want, send our children to the schools
we want, practice
our faith as we've been taught. It's sad
what the Obama administration has done
to our freedom. Fortunately, in
Wisconsin we have a Governor who's
fighting to return "Home Rule" to our
citizens. It's time to challenge the
growing corruption in our government.
Click here to learn more.
The risks to the
quality of healthcare in the US created
by Obamacare are enormous. Its already
been labeled the largest tax increase in
US history.
Let's identify the risks created by
Obamacare?
According
to the Wall Street Journal, many of the
promises made by those promoting Obamacare
were lies.
I disagree
to the extent many supporting Obamacare
simply didn't understand or chose to
ignore proven risk management principles
and sound actuarial science. There's no
longer any doubt,
Obamacare is
going to
increase health insurance
premiums,
while turning
fulltime jobs
into part-time employment. Socialized
medicine in Europe and Canada suggests
there'll be an
increase in fraud and dishonesty claims,
scams and embezzlements, as well as a
rash of law suites triggered by lack of faithful
performance claims. As doctors retire
and merge practices to hedge lost income,
we can
expect quality healthcare to decrease and medical liability claims to increase. As
the "affordable" healthcare act becomes
an
un-affordable reality, we'd be
wise to get ready for an increase in
property/casualty claims resulting from protests,
strikes, and
street riots. Conservative actuaries
would be well advised to factor in higher deductibles
and co-pays, while encouraging lower policy
limits until the dust has settled. The February 19, 2013
regulations proposed by the Obama'
administration limiting what hospitals can
charge for medical services is only the
tip of the proverbial iceberg.
There are
a growing number of articles and web
sites offering sound advice on how we
might handle
Obamacare' risks.
For example,
www.Obamacare911.com
and their "Obamacare Survival Guide" can
help chart your way through these dangerous
waters.
Good luck!
Click here to
return to our home page!
Most below is similar to what you'll
read on our home page. Ask your IT web
manager why it's repeated here.
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Give
Washington a
piece of
your mind!
Take courage
and
shoot from
the hip!
Enter
your zip
code or
State in the
boxes to the
right and
let them
have it!
Click here
for a letter
to the
editor you
can send
family and
friends
If you're
not
convinced,
read down
to
Darrell
Scott's
prayer for
Congress. |
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Rest assured I'll continue to keep my
political opinions out of my RM
workshops, presentations, and handouts.
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A
personal message for our
International Credit Union Risk Managers
Credit unions have learned much
about managing gun violence since
Friedrich Wilhelm Raiffeisen founded
the first credit union in Germany in
1869. We've learned armed security
guards are first to go when budgets
are cut. We witnessed what happened
in Germany when Hitler disarmed the
country in 1935 and we also learned
how Sweden fought off occupation by
arming every household in the
country. Illinois,
California, and Washington D.C. have
some of the strictest gun laws in
the U.S. yet their cities are call
"Murder Capitals of the World."
Chicago is the poster
child for gun control, yet since
2001, 2,000 troops have died in
Afghanistan while 5,000 people have
been murdered in Chicago.
As we
follow each other over the fiscal
cliff law enforcement budgets will
be cut. As budgets are cut officers
will be laid off. As officers are
laid off the response to 911 calls
will be delayed. As response times
increase more victims will be shot.
Many gun shot victims die within 15
seconds so no life is going to be
saved by simply limiting the
shooters firepower. The way to save
lives is to follow Sweden's lead. By
providing firepower and training to
those in a position to "hold the
fort" until law enforcement arrives,
they not only discouraged gun
violence, when it occurs, lives are
saved. Read down to learn more.
We all have
a duty to
protect
ourselves,
our
families,
our county,
and our
community.
Click here
for a
message from
Milwaukee
County
Sheriff
David
Clarke. He's
living in
the real
world!
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Rich with
cousin George - 1952
Page down for
picture in 2013 |
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Now it's back to school for our cadre of
International Credit Union Risk Managers!
There are no silver bullets but there
are Risk Management methods and response
protocols we can adopt to if not avoid
at least reduce both the frequency and
severity of the next public shooting or terrorist attack.
Contact your WOCCU and League Director
of Education for a copy of my white
paper on "Executive Protection for
Credit Union Leaders, Celebrities, Political and Public Figures"
n and visit our RM library for
RM white papers on the Tu
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The move toward European
Socialism is creating new economic risks in the
U.S.A.
I told you
so! Thanks to the reelection of Obama,
healthcare cost and insurance premiums are going
to double over the next year and triple over the
next few. Catholic organizations to include
homeless shelters, food pantries, and childcare
and assisted living facilities are going to be
fined for refusing to provide coverage for
abortions and euthanasia.
I urge all Credit Unions,
chapters, leagues, national and international
associations to immediately accelerate
programs that focus on our credit union history,
purpose and philosophy. Focus on our Not for charity - But for service,
and "People helping people" philosophy. Teach the evolution of
our movement from your credit union through your
chapter, league, and national association to the
World Council of Credit Unions (WOCCU). The past
four years has driven the U.S. to the edge of an economic
cliff. We're now borrowing 40 cents of every
dollar to fund entitlement programs which by the
day discourage the free spirit on which our
country was built.
Worse, the
failure to protect and defend our embassies, our
willingness to disarm our nation, and apologize
for our past economic success has emboldened
both international and domestic terrorists.
We fought hard to avoid the cliff, regain our
religious freedom, and curb the drive to disarm
our country, but failed on November November 6,
2012. We have no choice now but to manage
economic risks driving us over the proverbial
cliff and arm ourselves to defend our homeland
one town, one community at a time.
Being Catholic, I'm proud
to join the growing list of companies fighting
for our religious freedom (Domino' Pizza, Hobby
Lobby, etc.). There is no way I'll provide Obamacare for
employees of any of my companies nor will I pay
fines for violating my Christian conscious.
Click here and join "your" fight.
Catholics,
click here!
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Attention Credit
Union Risk Managers!
Credit Union
Liaison Officers included campaign headquarters
during operational period #1 to collect supplies
for Hurricane "Sandy" victims! Contact
your chapter leaders for a post incident
debriefing. Note the following example:
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The Romney/Ryan
campaign used the Incident Command System (ICS)
during hurricane Sandy to mobilize volunteers across
the country and and assemble supplies for victims in
harms way. At the national level, Ann Romney took
command using candidates in each state as her
"liaison" officers. In Wisconsin, Congressman Reed Ribble
mobilizes volunteers through campaign headquarters
in his district.
Maslow's Hierarchy of
Needs. Learn more at
www.cops007.com!
Attention
Credit Union Risk Managers -"Let's
Roll!"
"Credit unions, chapters,
leagues, national and international associations
have formed "unified" commands appropriate for
Hurricane Sandy's scope, scope creep, and
potential impact on their communities. Early
warnings allowed time to backup critical
information, conduct pre-incident briefings,
create controllable crime scenes, provide site
specific housing-in-place instructions, and
distribute responder' protocols and tracking
strategies for children and vulnerable
populations during mass evacuations. Credit
unions in Sandy's path have performed well
during operational periods one and two and are
well positioned to rebuild communities during
operational period three."
Rich Woldt
Click on
the
following for an RM refresher!
Forward a link to this page to your credit union
members!
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2012 Mission Statement
I launched the Risk Management
Learning Center in fall of 2001 shortly after the terrorist
attacks on 9/11/2001. Watch for the roll out of my Risk Management
Grad-school after April 15, 2012
to commemorate the 100th anniversary of Titanic sinking and the 157th
anniversary of Abraham Lincoln's assassination.
The world continues to change
at a geometric rate...
as do the RM methods, practices, and protocols needed to survive
the latest natural disaster, pandemic, or terrorist attack. The
RM Grad-school' mission will focus on documenting the RM
principles on which our profession has been built and capturing
the RM "best practices" that have been tested under fire during
the past two centuries.
If you've attended a
Risk Management workshop, presentation, or program...
sponsored by your credit union chapter, league, national, or
international trade association, you're automatically enrolled
in Grad-school. This includes all the International Credit Union
Risk Management cadre I organized through the World Council of
Credit Unions (WOCCU) and the CUNA Mutual Group's International
Department dating back to June 29, 1971.
Real life case studies
drawn from... www.COPS007.com my community outreach center, www.DoorCountyVeterans.com my veteran support center, www.RichWoldt.com my personal website, and www.RMLearningCenter.com my Credit Union Risk Management Training Center, will
be used to bridge the gap between RM theory and current RM practice
and protocols now required to survive in our increasingly dangerous
world. My goals include helping credit unions pass on their RM wisdom... to their members through their chapters, leagues, national and international credit union associations. For years I've said, "Credit unions are positioned better than any other organization, anywhere in the world, anytime in history to come to the aid and rescue of a community, country, or world standing in harms way. During 2012, I'm going to prove it. It's my personal hope to continue my passion for teaching Risk Management... during summer from my home in Door County, and during winter from on stage somewhere around the world. I've learned much promoting conservative values in Wisconsin's liberal political environment and more watching our country slide deeper and deeper in debt. I'm increasingly convinced, it's time we all take a stand against those who assault our "faith-based" values, moral code, business ethics, and constitutional freedoms. Following are some of the presentations I'll release during 2012: RMLC' RM Curriculum - 2011 A PREVIEW OF PRESENTATIONS - 2012 A Briefing and Update on Executive Protection A Briefing on the Role Credit Unions Play During Natural Disasters The Incident Command System (ICS) - A Credit Union' Perspective How to Mobilize the Credit Union Movement During a Mass-evacuation How to Safely Attend Hostile Protests and Demonstrations How to Manage Risks When You're the Terrorist's Target How to Rebuild a Devastated Economy How to take Command when the Incident' Scope Overwhelms or its Duration Exhausts Public Sector Response Assets How to be a Hero during Operational Periods #1 - #2 - and #3 Page down to "Stepping into the public eye can be dangerous!" | | Everyone over 10 knows where they were... when Muslim extremists hijacked four planes, flying two into the World Trade Center towers, a third into the Pentagon, and a fourth into the ground before hitting their suspected U.S. Capitol or White house targets? No one will ever forget the 3,000 plus who lost their lives nor those scared by the memory for life. I'm worried however that... after 10 years too many have been duped into a false sense of security, too many are willing to ignore the ongoing threats from homegrown terrorists, too many are willing to retreat from the front lines in Afganistan and Iraq, and too many are willing to place our "Homeland Security" in the hands of others. We've accomplished much in 10 years: We've equipped, trained, positioned and deployed public sector response assets and eliminated public sector silos to improve interoperability between law enforcement, emergency government, and homeland security agencies. Public-to-private partnerships have been formed to field test, equip, and train private sector VIPER squads and CIRTs. Wisconsin became the forty ninth state to pass concealed carry legislation, thereby empowering its citizens to more effectively protect and defend their homeland. The debate over how much and what type training and what skill sets should be required has just begun. The minimum standard for most law enforcement agencies is 52 hours of basic training plus scheduled and documented participation in continuous training and certification programs. My vote was for a minimum one day, eight hour course with the first four hours focusing on gun handling safety and four on the liability risks created the moment the gun is drawn. At a minimum, all who carry should read my RM recommendations based on the shooting at the Safeway Store in Tucson. I'll be posting RMLC concealed carry training recommendations on my RMLC Grad School web site before the end of the year. All Credit Union Risk Managers should be teaching frontline personnel and those who transport currency or service ATMs about pushback room, bailout routes, and defendable zones. As long as unemployment Our downturned economy will offer fertile grown for growing homegrown terrorist. It's comforting to know the world credit union movement is ready to roll no matter what the terrorists or Mother Nature sends our way! |
| | So from a Risk Management standpoint why do I worry? While our public sector response assets are the best in the world and more than adequate to respond to natural disasters and pandemics, I worry we've become increasingly more vulnerable to terrorist attacks targeting not only our buildings, bridges, subways and communication systems but equally important our economy, democracy, personal freedoms, and right to take charge of our own destiny. The government intervention into the private sector has done worse than drive private sector industries overseas, they've sold our corporate intellectual property, security secretes, and patens down the river. | | Attention: If your credit union, veteran organization, home, friends or family, etc. are in the path of Hurricane Irene it's time to batten-down the hatches and get out of harms way. It's time for credit unions, chapters, leagues, CUNA and Affiliates, CUNA Mutual Group, and WOCCU to activate their contingency plans, set up command centers, identify staging areas, and write appropriate "Unified Commands" based on Irene's scope, path, and level of destruction. Click here for a sample pre-CIRT deployment briefing. Click here for a sample first responder mass-evacuation protocols. Click here to review your Incident Command (IC) protocols.
| RM tips for "Private Sector" Incident Commanders (IC) - The first words spoken by the first person at the scene should be "I Take Command" which creates a single command focused on stabilizing the incident for the moment. Immediately call 911 to summon public sector first responders. Stay on the line to ensure the 911 operator has all necessary information needed to send appropriate public sector response assets to the scene. Once public sector response assets are at the scene, brief them as requested, provide them with your contact information and stand back.
- The first focus should be on safety at the scene for victims, first responders, and observers. Designate a "Safety Officer" to monitor the scene as well as the equipment and health of all responders.
- Your second focus should be on communications. Designate an "Information Officer" to deal with the media and family of the victims. Establish a private setting for victim' families and friends. Designate one spokes person to coordinate all media and news releases.
- When the scope of the incident exceeds what can be handled by a single command, designate a "Liaison Officer" and establish a "Unified Command" appropriate to the incident type, scope and potential for scope creep.
- At a minimum, designate a "Command Staff" to include a Chief of Operations, Chief of Planning, Chief of Logistics, and Chief of Finance.
- Request your Logistics Officer to designate and your Operations Officer to set up an appropriate Incident Command Center, Staging Areas, and triage.
- Request you Planning Officer to write operational period response plans to include staffing a strike force and mission Critical Incident Response Teams (CIRTS).
Lessons learned during RMLC field tests and deployments: - One IC per credit union (President/CEO), veteran organization (Commander), organization.
- Use fast food debit cards to track vulnerable population during a mass evacuation and at shelters.
- Properly equip, train, track, and insure all first and follow-up responders.
- Go to: www.cops007.com and www.DoorCountyVeterans.com for additional information.
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For more RM information contact your league Director of Education: |
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Credit Union Risk Management Summer Students: Victims of the recent tornados, floods, and fires should download and distribute our RMLC support materials. Click here for a Basic RM Training Review for CUNA Management School Graduates and our cadre of International CU Risk Managers. click here if you're not familiar with the RM support available through your credit union, CU chapter, league, CU national associations, WOCCU and CUNA Mutual Group. Click here for a sample pre-CIRT deployment briefing and click here for a first responder mass-evacuation protocols. RMLC faculty position papers: Click here for Michael Bender's paper on the Wisconsin concealed carry bill. I used his papers when I spoke in favor of this bill during the debates at the Wisconsin Capitol. Click here for David McGuinn's latest RM Safe Deposit Box publications. Click here
for Dave's release titled "Drill Baby Drill -
Mystery Boxes Create Unhappy Renters."
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Introduction - 2011
I launched the Risk Management Learning Center in July 2001, two months before the 9-11 terrorist attacks at the World Trade Center. My personal goal was to continue teaching Risk Management in the private sector. My professional goal; to research RM best practices in both the public and private sectors, to develop emergency response protocols for the private sector to deploy anytime the scope of a terrorist attack, natural or man-made disaster, or pandemic overwhelms or its duration exhausts public sector response assets.
Mission Statement 2011 - 2021:
On July 4, 2011 I plan to introduce the Risk Management Learning Center
Graduate School. Case studies, power point presentations, video
tutorials, etc. will be used to teach the same "Incident Command
System" in the private sector that's required for all
law enforcement, firefighters, and emergency government personnel in
the public sector. Our grad-school' goals include: Identifying
mission-ready private sector response assets commonly found in most
communities within five miles of ground zero, mobilizing private
sector response assets that can be at the scene within minutes to
take command, forming private sector "unified" commands that
can expand and contract quickly to meet changing needs, and
establishing cost effective and efficient pubic-to-private
partnerships focused on rebuilding the economic infrastructure
devastated by any large scale community crisis.
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Our
RM Tip is courtesy of the SANS Institute
"Closing or minimizing your
browser or typing in a new Web address when you're
done using your online account may not be enough to
prevent others from gaining access to your account
information. Instead, click on the 'log out' button
to terminate your online session. In addition, don't
permit your browser to 'remember' your username and
password information. If this browser feature is
active, anyone using your computer will have access
to your investment account information."
For more
tips, visit
Security Today |
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History of the International Credit Union Movement
From
Dave Mc Guinn
President,
Safe Deposit Specialists
PO Box 40026
Houston, Texas 77240-0026
(713) 937 9929
www.sdspec.com
Read
Dave's latest RM words of wisdom:
New October 2012
Drill Baby Drill
click here
How safe is a Safe Deposit Box?
Click Here
Gold and
Silver investors turn to "Private" SD
Boxes for secure storage
Click here
How safe
are your SD Box contents during
hurricanes, fires, and floods?
Click here
For the
latest RM advice, I recommend you
contact the Directors of Education at
all of the following:
The Financial & Security Products
Association
www.ASISWisconsin.org
Wisconsin Crime Alerts
Attention
Credit Union Risk Managers!
98% of
the Risk Management wisdom I advocated
over the years comes from credit union
volunteers and staff with whom I've been
privileged to work with over the past 41
years. My best RM advice has always been
and will always be is for your credit
union to listen to and active roll in
your credit union chapter, league,
national and international trade
associations.
If you
ever end-up in court and your
"good-faith" effort to act in the best
interest of your members is questioned,
belonging to and following the advice of
your industries trade associations will
be your best defense.
With that
in mind, I strongly suggest you learn as
much as you can about managing credit
union risks in your CU Chapter, League,
National Association, and World Credit
Union Council (WOCCU)!
Get
to Know WOCCU
CEO Brian Branch's Blog
Financial Inclusion
Membership
Events & Education
Worldwide
Foundation
Also: In 1935 the U.S. Credit
Union National Association (CUNA, Inc.)
adopted the motto "The Debt Shall Die
With The Debtor" and formed what is now
CUNA Mutual Insurance Company a life and
health company to provide loan
protection and life saving insurance and
in the '60s the CUMIS Insurance Society
to provide a credit union specific
"fidelity bond" for all credit union
volunteers and staff.
click here
to learn more.
While I worked for
CUNA Inc. and WOCCU for most of my
career, it was CUNA Mutual and CUMIS
Insurance Society who picked up every
dime of my salary and benefits and most
of my bar bills.
Make sure all your
members know who CMG is and the roll
they continue to plan in the world
credit union movement.
Many of our RMLC
faculty regularly publish RM articles
and RM updates as risks in their area
change.
Coming Soon you'll be able to
buy RMLC power point presentations and articles for your news
letter:
The icons below are for
testing purposes only!
Background Checks
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Tornados in U.S.: Click here to review basic RM deployment protocols for your community and click here to reach our credit unions R&D tutorials. I'll post a white paper with more details via our RMLC Grad-School. Contact your Credit Union League Director of Education and CUNA Mutual Group Risk Managers for local deployment protocols.
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Stepping
into the public eye can be dangerous! Are
you ready to manage the risks?
| April 21, 2011
OK! So you've decided to become
politically active. That's a good thing! I commend you for
your spirit, your patriotism, and your
determination to sway public opinion in your direction. From
a Risk Management (RM) standpoint, standing up to be counted
means you're no longer willing to sit idle and blindly
follow the crowd over the cliff. Standing up means you're no
longer willing to "avoid" being shot at, geared at,
criticized, or humiliated for voicing an unpopular opinion.
It means your ready to join the ranks of Alaska's Governor
Sarah Palin, Wisconsin's Senator Robert
Cowles, and their fellow legislators on both
sides of the isle. It means public service is in
your blood, in your genes, and in your future.
For
example:
Senator Robert Cowles' reputation for community
service goes back generations. His grandfather, Doctor Robert Cowles
had a reputation in the 1940's for delivering babies for free in
Green Bay when parents couldn't afford to pay.
His father, Robert Cowles Jr. built
and staffed a boy's cherry-picking camp at
Horseshoe Bay in Door County so less
fortunate kids from Door, Brown, and Kewanee
Counties would have summer employment. It was Senator Cowles' family
who paid a well known child
psychologist Dr. Tom Bleutte to oversee the
camp. I share this because like Sarah
Palin and Robert Cowles you'll need both the
desire and the courage to stand tall and tough in
the public eye.
FYI:
As I write, union leaders have flown in
personnel from across the country to manage a
recall of Senator Cowles.
If you signed and now regret signing any recall
petition, email your regrets to the legislator
involved.
Click here
for a list of Wisconsin legislators. He and his fellow
legislators have received
threats against their lives, families, their
employers, and private businesses.
learn more. Why?
Because they all stood up and did what they felt
at the moment was right for their constituents.
If you think it gets easier at the top,
click here for
an example of Sarah Palin's poise under
pressure.
Now
that I've thrown cold water on your
desire to run for public office, allow me to
help you manage the risks you'll create when to
step into the public eye. Be sure to share these
recommendations with your family, business
associates, and entourage. Don't assume anyone
is safe from the wrath of the opposition.
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While I can't guarantee your safety
or success, I can help reduce your losses no mater what your
political stance or future holds in store. While we may not
agree politically, I assure you we're on the same side when
it come to defending our mutual right to fight for our
respective cause no matter how diverse our opinions might be.
If
you came here to learn for whom to vote on April 5, you're
at the wrong site. If your here to learn how to make it
safely from your couch to the polls and back, I can
help. (1) Make up your mind before you leave home based on
your facts not on your fears. (2) Grab a handful of aspirins in case your
heart gives out and head for the polls. (3) When you
arrive at the polls give a high-sign to all in the parking
lot and smile at everyone standing in line to vote. That'll
convince them you're on their side. (4) As you pull
the curtain, snort a little, gasp once or twice, and laugh.
That'll confuse anyone within
ear-shot. (5) Vote for the candidates you feel will act in
your best interest. (6) Exit the booth with a smile, the building with a
grin, and the parking lot with a blast of your horn. Go home
and celebrate, you
just experienced the freedom to choose your own destiny.
My goal is not to tell you for whom to
vote. My mission is to give you the confidence to think for
yourself and the courage to exercise your constitutional
right to vote without intimidation. At the end of the day,
remember, we're a "Home Rule" nation which means it is your
right and duty to rule your home as you see fit. That means
carrying concealed if you want, putting Christ into
Christmas if you choose, and sending your kids to schools
more focused on teaching your family values than how to
place condoms on cucumbers. It's your call, it's your duty,
and it's your right! Our country is heading for an economic
crisis. Thank God for those who are trying to slow it down.
Learn
more.... |
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April 6, 2011:
Click
here for
county by county results of the elections in Wisconsin!
If election results are too close for comfort i.e. within
the margin requiring a recount, be suspicious
of the results no matter which candidate wins.
Based on the extreme efforts to sway voters during the
campaign, the death threats made to candidates, the
out-of-state money and personnel hired to influence the
election, and the passion of protesters, You'd be naive to think there won't be an effort to
miss count votes and/or fail to report those favoring the
opposition. I strongly recommend election officials be
properly vetted and be required to follow the same internal and audit controls recommended for those
in financial institutions who are entrusted with handling large amounts of currency or cash items.
For example, internal controls should include dual verification of
ballots and voting results, a process similar to cash letters
used to document ballots in transit, basic background checks
should be conducted on new volunteers
manning polling locations, and an in-depth background check
should be conducted on anyone suspected of manipulating ballots or failing to
accurately report results.
When a significant breach of
trust is documented, a qualified financial audit of the
suspect should be conducted to explain major life
style changes and/or spending habits. The primary goal of
these recommended internal and audit controls is to
safeguard the reputation and integrity of those placed in
the public eye.
It wouldn't be the first time a vulnerable front-line employee
was
bribed to embezzle or miss appropriate items of value.
From a Risk
Management standpoint, we need to position those placed in
the public eye so when they're accused of doing wrong their honesty and integrity is beyond
suspicion.
Read RMLC fraud auditing white papers for more tips to keep
your reputation in tack.
RM tips for
voting safely in the midterm election April 5, 2011:
Historically, midterm elections have been uneventful
and down-right boring hangouts for poll watchers. This year,
however, while most will be their uneventful selves, a few
select sites will be the scene of angry protests, pickets,
and taxpayers frustrated by the fact their State is broke
and their life style might have to change. I'm not
at all concerned about our economic survival. I'm deeply concerned
about the escalating violence and threats made to our
legislators as we approach
April 5, 2011 not to mention the efforts to recall duly
elected officials. I'd be remiss if I didn't help voters identify
some of the risks they'll face at the polls and offer
RM tips for voting safely on election day. It's basic Risk
Management #101. Let's review the escalating violence. While
I use Wisconsin as an example, you can rest assured other
U.S. States, Great Britain, Ireland will not be far behind.
In Wisconsin the
scope of relatively small local protests quickly grew beyond
state lines as news agencies, bloggers, and Facebook friends
posted pictures and perspectives of not only the contents of
proposed legislation but how it was presented and passed.
It's a
safe bet much has been learned from Wisconsin's mistakes.
You can rest assured the "speculative" risks associated with
passing new legislation will be better managed in the
future.
Union leaders
have sent letters to businesses threatening
"If you don't post signs
in support of protestors you'll suffer the consequences."
Threats from outside Wisconsin have been followed by
personnel bused in to support recall efforts across the
state.
(learn more)
A
Wisconsin women has been charged for sending death threats to state senators.
The
first message sent March 9 to
Sen. Robert Cowles of Green Bay
said the sender and others had
decided to kill the Republican
senator by "arriving at your
house and putting a nice little
bullet in your head," the
complaint said. The email also
claimed the group had planted
bombs around the senator's house
and car and the Capitol
building. The charges carry a
combined maximum penalty of 7.5
years in prison.
(learn more)
School boards take action:
(learn
more)
Union leaders
organized pickets and protests at select polling locations to
discourage voters from re-electing
Judge Prosser
to a second term. His opponent
vowed to oppose
the budget bill, school choice, concealed carry and voter ID legislation.
Her liberal stance angered conservatives especially those
favoring school choice and right-to-bear-arms. After
being accused of running false adds she refused to withdraw
the adds which angered both sexual assault victims and those
falsely accused
(learn more)
&
(more).
Add the 22 caliber
shells found on the Capitol Square, the damage done to State
property, and the hostile recall campaigns manned by
personnel from out the State; and it's clear that voters will
need to take additional precautions when going to the polls
on election day.
No matter on which hook you hang your hat, be sure to
vote on April 5 for the candidates of your choice.
I offer the following
RM tips for voters going to the
polls on April 5.
- Cast
an absentee ballot on Monday and avoid the polls on
Tuesday.
- Go
to the polls with someone who can offer assistance if you
find yourself in harms way.
- Don't
hang around the polls any longer then necessary.
- Don't
huddle in groups while at the polls. Remember the #1
terrorist target characteristic.
- Make
sure your cell phone is on, the battery is charged, and
you have your
ICE
number up to date.
- Wear
loose fitting clothing and running shoes.
- Maintain
"pushback" space and "bailout" routes.
- Know
for whom you're going to vote before entering the booth
to shorten your time in harms way.
- Carry
medications you might need if the stress of the moment
triggers a medical condition.
- Let
a trusted adult know when you're going to the polls and
when you'll return. Have an action plan if you fail
to report home.
- If
you
feel threatened or observe either a suspicious object
or person, notify polling officials immediately.
Review your VIPER protocols.
-
Note:
If you
disagree with the protesters keep it to yourself while
at the polls. Challenging them will only put a target on
your back. If you signed a recall petition know that
your support of the recall could become a public
record. That may make you, your business,
and your family the oppositions target. Poll watchers
and election officials should conduct periodic
systematic sweeps of the building interior and
surrounding property following recommended VIPER
protocols.
(learn
more)
-
Below:
I've posted additional RM steps to include a white paper
on steps you can take to safeguard yourself, your
family, your business, and your right to vote for the
candidates of your choice.
-
Click here for more
detailed RM instructions.
Contact your company Personnel, Security, and Risk
Management departments for corporate specific RM
recommendations. Credit unions should contact their
credit union Security Officer/Risk Manager and their
chapter and league directors of education for regional
specific recommendations. .
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Go to our
to track and help the earthquake and
tsunami victims in Japan. Page down to
the
tsunami R&D section in red. Go
to our
for Basic
Private Sector ICS Training. |
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Protesting can be fun but
dangerous. I'll be
introducing Risk Management protocols all elected officials, protesters, and bystanders
should follow to stay
safe. Incident response protocols are based on my post
event risk assessments after the
active shooting incident in Tucson, Az. January 8, 2011, and
the budget bill protests in Madison, Wisconsin.
FYI: As an undergrad
at the UW-Madison, I protested more than most, at times arm-in-arm with
liberal Wisconsin Democrats such as Madison's Mayor Paul Soglin
and U.S. Senator Russ Feingold. As a union member for
23 of my 30 year career and now member of the Wisconsin
Retired Educators Association, I've sat on both sides of
collective bargaining tables. Since the 60's I've moved
toward the middle and over the fence so I'm now a
registered Republican. That's what a BBA in Risk
Management, Insurance, and Finance plus 40 years working in
the real world does to your head.
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No matter
your political posture, I encourage
everyone to
thank all the Wisconsin elected officials for their
service.
Click here
In my opinion, the death
threats and recalls need to stop. We've had one too
many death threats and suicides.
God bless those who are
willing to step into the public eye and take the
heat, risking it all that we might form a more
perfect union. Before anyone signs a recall
petition, they'd be well advised to ask themselves how dedicated and
brave they'd be under fire. If you don't agree with
those now in public office, make sure you vote in the
next election. Better yet; take out
nomination papers and experience your own day in the
political trenches. As Chief Roy Oshkosh
often taught, "Never judge another man until
you walk a mile in his moccasins!" Whether you agree or disagree
with the
14 Democrats who chose to leave the State or
the Republicans who stayed in town to vote;
all where following their conscience and doing the will of their constituents.
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Risk Management: The risks
you take when joining a public protest are
directly related to the scope of the protest,
potential for scope creep, the concentration of
protestors in an area with limited pushback space or
evacuation routes, and the target characteristics that
might attract domestic or international terrorists. The
protests on the Madison isthmus and those springing
up across the U.S. as well as those in Great
Britain, Ireland, etc. are particularly serious
because they're fueled by perceived economic
disparages between geographical regions and/or
social classes. Following are just a few of the
risks created when you intentionally or
unintentionally get involved in a protest.
(RMLC R&D files)
-
The risk
you'll be injured or killed.
-
The risk
you'll damage
your good reputation.
-
The risk
you'll be in harms way.
-
The risk
you'll be in a mass evacuation.
-
The risk
you'll be in a shelter or mass housing-in-place.
-
The risk
you'll be held hostage, arrested,
or detained beyond
your control.
-
The risk
you'll be the victim of a terrorist' attack.
-
The risk
you'll be the victim of an anthrax scare.
-
The risk
you'll be the victim of a bombing.
-
The risk
you'll be the victim of biological warfare.
-
The risk
you'll be caught in the crossfire of an active
shooting.
-
The risk
you'll be called on to render first aid or
establish at triage.
-
The risk
you'll be asked to assist in a search for a
missing child or adult.
-
The risk
you'll be lost or left behind.
-
The risk
you'll become the target of
the opposition.
-
The risk
you'll become financially responsible for damages.
-
The risk
you'll be on the nightly news.
-
The risk
you'll be falsely accused of theft or
embezzlement.
-
The risk
you'll encounter a heart attack, stroke, or
diabetic seizure.
-
The risk
your vehicle or convoy will be the target of the
opposition.
Loss
frequency i.e. the number of active shooters at a
protest, and loss severity i.e. the size of bombs
detonated are directly related to the scope,
potential for scope creep, and protestor's focus.
Protests fueled by economic disparages are
particularly challenging because they grow
geometrically as local protests gain regional,
national and international support. It's a safe bet
protests are going to become more frequent and more
violent. as the U.S. gets deeper and deeper in debt to
Communist China and Wisconsin who's already $3.7 Billion in debt
continues to borrows to keep afloat,
Pure economic
risks:
At the top of the list has to be going
broke and selling national security secretes to foreign
powers. if we
continue to borrow, increasing our State and National debt, at some
point we'll become indebted to our landlords and mortgage
holders. At some point we'll be evicted and find ourselves
living under a
more socialistic government or worse; under Communist China rule.
Each time a U.S. company moves overseas we weaken our
economic infrastructure and sell out our national security.
Foreign powers no longer need to steal our corporate secretes! They're
buying U.S. companies to gain control over our most valuable technologies and the science that
comes with each sale.
To reduce getting deeper in
debt, we might use the U.S. credit union movement
as a business model. We need to put cost cutting back in the
hands of local taxpayers while creating regional
liquidity facilities to provide loan collateral to
local businesses focused on creating jobs. For example, Wisconsin, Illinois, and
Michigan financials could focus on rebuilding
auto plants in Janesville, Rockford, and Detroit, using
vacated GM and Chrysler plants as capital
assets/loan collateral and
U.S. auto workers as a labor force.
Once a regional
economic strategy is in place, we could reach out to Japan's
auto industry damaged by the earthquake and tsunami
and together reengineer the global auto industry already in place.
Using the global
credit union movement as a model, we could than
capitalize employee benefits such as life, health, and long term care
insurance. One strategic action plan (SAP) would be to borrow not from
outside the U.S. but from the residents within the
regional liquidity facility thus further adding to
the economic stability within the region. If
this had been done in the 80's and 90' we'd still
have a Chrysler plant in Rockford and GM- plants in
Janesville and Detroit. And, the world headquarters
for the credit union movement would still be 100% in
Madison, Wisconsin. (learn
more about the credit union model).
Speculative economic risks: We're all speculating on
which policy, strategy, legislation, etc. will get us out of debt. We
know taxing only takes
investment capital out of circulation and increased
spending on non-productive assets only drives us deeper in
debt. We need to risk
reducing tax revenue in the hope the savings will be
invested in the local economy; and we need to redirect money
spent on non-productive benefits back into the pockets of the
employee, hoping it will be better invested in their family's
future. We need to risk letting go of government guarantees
and go back to charting our own destiny no matter how risky
that might be. Harry
Truman once said: "If you laid all the economists in the
world end to end, they still wouldn't point in the same
direction. But even if they did, that wouldn't guarantee it
was the right direction." We need to
"speculate." more aggressively (They call it dreaming where I come from) and risk taking
charge of our own economic destiny.
(more to think about).
To
reduce "speculative" risks, local governments need to
reduce taxes
to put money back in family savings accounts
while reducing government regulations that limits the
freedom of choice and discourages risk taking.
Our founding fathers knew that sheltering individuals
from the consequences of a bad economic decision both eroded
their "self confidence" and their "self
competence." While in the short run staying safe might
seam to be in our best interest, in
the long run it's not. We all
need to step-out-from-under government', union', and
parental' shelters and take the risks required of
citizens in a free democracy.
There is no better
feeling than when
you take risks and run the ball as best you can, for as long
and far as you choose. There's no more depressing feeling
than to rely on others to fight your fights, cover your
butt, and score below average in the walk of life.
Rich Woldt - CEO The Risk Management Learning Center |
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Managing the "Pure" and
"Speculative" Risks during a protest!
Go to our RMLC
Graduate School website for advanced RM assistance!
Protestors and politicians should read the following RM
recommendations!
Follow operational period #1 homeland security
protocols.
A wise diplomat once said,
"Never shoot to kill the guy on the other side of an issue
because tomorrow he just might be on your side of the
fence!" Remember, we are all in this together. As I sat
on the steps to the Capital this afternoon, I had to smile
at the passion of students protesting the budget bill. They
reminded me of myself during the '67 protests against the
Vietnam War. Fortunately, 45 years ago the war we protested
was fought a world away and despite the Armstrong boys
blowing up our Chemistry building, the risks we faced on the
Isthmus were for the most part non-life threatening. That's
not the case today.
Today, while still reeling
from the shooting rampage in Tucson that seriously wounded
U.S. Representative Garielle Gifford and took the life of
her aide Gabe Zimmerman along with five others waiting to
meet their Representative, we're confronted with no less
than three life threatening risks:
First, there is the risk
someone will shoot or physically attack one or a group of
our legislators, their staff, their entourage, or their
family members. Second,
there is the risk that protestors will need emergency
medical attention or face the dangers of a mass evacuation
from the Isthmus. And third
I'm concerned that someone holding a grudge or a terrorist
looking for an opportunity to attack will take advantage of the
protest to set off an explosive device or introduce a biological or
chemical agent into the crowd. Remember the first three
characteristics of an ideal terrorist' target includes
achieving a high body count, having predictable victim escape and
first response routes, as well as the presence of mass media.
(FYI:
you can page down for my Risk Analysis and post incident
assessment of the Tucson Safeway shooting).
Protestors on the Isthmus need to constantly monitor their
surroundings, have a "bailout" plan, tested communication
links, reassemble and roll-call plan, and contingency plans
if communication links fail or a member of your group gets
lost or injured.
Click here and read the "Dressing
for Success" red highlighted text in my Executive
Protection" white paper.
I recommend the
following not only here in Madison, Wisconsin but across the
country and around the world.
First, a review of all private sector "Executive
Protection" protocols to include making sure VIPER (Visual
Intelligence of Persons and the Environment Reconnaissance)
Squads know what to look for and how to report suspicious
activity to the public sector and a review of private sector
CIRTs (Critical
Incident Response Teams) to make
sure all know how to report into a Unified Incident Command
Center.
Please read and share the
following white paper and handouts.
Click here for an "Executive Protection" white paper to
share with your legislative staff, body guards, entourage,
etc. Note the "red" highlighted
text!
Click here for an "Executive Protection" brochure
to share
with family and neighbors. Ask them to report all
suspicious persons, vehicles, activity and objects to the
police.
Page down for a post-incident Risk Management Analysis
(RMA) I conducted at the 7110 N. Oracle Safeway
store in Tucson; the site of the January
8 active shooting incident.
Click here if there is a need for a mass evacuation
during the protests. This could be triggered by
an explosion, gun fire, anthrax scare, etc.
Page down for more
Risk Management help or go to my community outreach site
www.COPS007.com or veteran
RM site
www.DoorCountyVeterans.com.
You can also rent my Door County Cottage at
www.RichWoldt.com.
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FYI: Soon,
www.ASIS067.com will become
www.ASISWisconsin.org
and my community outreach site
www.COPS067.com
will merge with our veteran R&D site
www.DoorCountyVeterans.com. My personal
www.RichWoldt.com site will
focus on managing our Door County vacation rental.
learn more
Thank you all for your help and encouragement over the past 45
years. |
