Monday, June 29, 2020

Using Artificial Intelligence to Boost Sales with Jerry Abiog of Standard Insights

Jerry Abiog and I discuss how small and medium businesses can now use Artificial Intelligence technology that was once only available to businesses like Amazon and Netflix.  Now SMBs can use AI to increase repeat buyers.  Also, restaurants can use Standard Insights Smart Digital Menu (iOrder) to increase sales and turn tables quicker.

Click the link below to listen to the entire 15-minute Podcast.

Sunday, June 14, 2020

Dear West Point Class of 2020

Dear West Point Class of 2020,

I'm here to present a different viewpoint from the 700 Old Grads who wrote to you with concern about how, yet another group of Old Grads conducts themselves as senior leaders under President Trump. I'm not a fan of groupthink. These opinions are mine and mine alone.

First, you've just spent four years, living, breathing, eating, and sleeping — Duty, Honor, Country. Trust in your training. Trust your gut to the point that you don't need outside opinions; mine, the 700, or anyone else's telling you how to conduct yourself. I, for one, have faith you will make good choices and do the right things in the years to come.

Second, I will tell you something; hopefully, you've heard before. Credit goes to the person who is in the arena bearing the brunt of the fight. Not to the hecklers on the sidelines. Anybody can be a critic; it's not hard to do. Being an armchair quarterback doesn't take any talent.

Third, as I continue, this letter will be from an extremely practical and real-world viewpoint. I will tell you that if you are going to be on a team, you have to follow the rules of the person in charge of the team. Everyone has a boss, and while in the military, you should plan on doing as the boss tells you unless you know for a fact it is an unlawful order.

Fourth, you'll always have a boss. Unless you are God, you are always working for someone else. The Chief of Staff of the Army works for the President. The President works for the American people. You cannot escape the boss paradigm by leaving the military either. In the business world, you'll have a boss, and if you don't like doing things their way, they will be happy to promote you to customer. Even CEOs report to board members and stockholders. In the event you start your own business, you'll be working for your customers, go ahead and don't do what they want and see how that works out for you. Hopefully, you will work for leaders who are willing to listen to your opinion, but don't fool yourself into thinking that that is required of any boss. It can just as easily be their way or the highway.

Fifth, should you reach a point where your gut tells you something is wrong, and you cannot stomach it anymore, choose carefully. Because eventually, the situation will pass, and you need to ask yourself, in the long run, is the Army better off with you or without you. Without you, that's the end of your ability to lead missions and take care of Soldiers. Do you think the person who replaces you will do a better job? I'm telling you this as an Old Grad who fell on his sword as a Captain derailing my career. Like that old Looney Toons episode where Daffy blows himself up, it's a trick you can only do once. There's no going back, no do-overs, I managed to eke out a twenty-three-year career, but for me, it could easily have been the end of the road.

Sixth, for a bunch that preaches being apolitical, the 700 sure sound political. That's just me thinking out loud. With today's world being as polarized as it is, it's hard not to have an opinion. My only recommendation here is not to wear your political views on your sleeve while in the military.

Seventh, good luck and God speed. Regardless of your politics, I'm pulling for you.

Beat Navy,

Dennis, USMA '90

Saturday, April 18, 2020

The Plight of the Cruise Lines and my Plan to Save Them.

Some people might be wondering why the Cruise Line Industry did not receive any government aid in the COVID-19 Relief package.  That is because they are not American companies.  While they do employ Americans, all the major ocean-going cruise lines like Norwegian, Carnival, Royal Caribbean, Princess, etc., are foreign companies.  They are registered in places like Panama, Liberia, and Bermuda.  Their ships (except for one Norwegian ship) are not American flagged ships.  In other words, they are not registered in the United States.

Why is it like this you might be asking?  Because by domiciling their corporations in countries like Panama, Liberia, and Bermuda, the cruise lines avoid paying U.S. corporate taxes.  It is a profit-driven decision.  Likewise, the ships are registered overseas because were they registered in the United States, they would have to be crewed by Americans.  Americans demand or require higher pay than the foreigners who do crew the ships, which would cut into the cruise lines profit margins.  So again, it is a profit-driven decision.  These foreign-owned companies with foreign-flagged ships do benefit the passengers who sail with the cruise lines.  Since the cruise lines tax burden and labor costs are lower, they can offer cruise packages at a much lower price to the customer and remain profitable.  As long as the cruise lines continue to be foreign companies with foreign-registered ships with international crews, the United States Congress will not be willing to give the cruise lines financial aid. 

As the COVID-19 emergency drags on, the situation for the cruise lines could become quite desperate.  I have no idea how long the cruise lines can continue to sit idle paying crews and making payments on shiny new ships before they go bankrupt.  How long they can sit idle depends on how much cash they have on hand or what commercial loans they can secure from the big banks.  So, what will happen?

Eventually, the stress on the cruise lines will begin to show up in their stock prices.  As their stock prices approach zero, they will become relatively cheap to purchase.  A billionaire like Warren Buffet could come in and buy out the line and inject the necessary cash.  That's option 1.  Option 2 is the cruise lines go bankrupt, and the banks take possession of the ships and sell them to the highest bidders.

My proposal, which I will call Option 3, is that the cruise lines "Americanize."  That they become American companies with American flagged ships, the cruise lines would then be subject to United States taxes.  The cruise lines would then have to hire American crews.  After the cruise lines redomicile and reflag, then I imagine Congress would be willing to help.  Such a deal could probably be struck with Congress, where aid would flow pending the redomiciling and reflagging of the cruise line(s).

Since I doubt the CDC will recommend anyone go on a cruise ship anytime soon.  In addition to the CDC issue, the ports that the cruise ships wish to call on much be willing to receive the ships and their thousands of passengers.  Therefore, I believe it will be a while before the cruise ships go anywhere.  How this plays out only time will tell; however, it will be exciting to watch.

Friday, April 17, 2020

America in Late 2020 and Beyond.

There will be three types of fallout from the fight against COVID-19 in addition to the loss of life brought about by the disease.  First and foremost, will be the economic fallout.  The second will be the mental health fallout.  And third will be the fallout against the Communist Chinese Government.

The economic fallout will render the United States in depression more profound than that of the Great Depression, which lasted from October 29, 1929, until the beginning of World War II in 1939.  It will destroy businesses, communities, careers, and the families that depended on those things for income and social fabric.  It will bankrupt not only businesses and families but also towns, cities, and states.  We will be lucky if it doesn't bankrupt the United States as well.  It will rack up Government Debt that our children's, children's, children will still barely have begun to pay off. 

There will be two main groups of mental health fallout.  The first group of mental health fallout is the resultant alcohol abuse, drug abuse, spouse abuse, depression, and suicide from loss of employment and financial ruin.  The cost in lives over the subsequent years will be a higher cost than that of the lives lost to COVID-19.   The second group of mental health fallout will be the post-traumatic stress felt by healthcare professionals and first responders in areas that are walloped by COVID-19.  Something akin to the problems experienced by Veterans after returning from war will affect health professionals after their battles with COVID-19.  Twenty-two Veterans commit suicide each day.  I could see a similar fate befalling healthcare professionals if we fail to adequately address the impact of fighting the virus on those people who did the fighting.

The third type of fallout will be the international fallout against the Chinese Communist Party for not only their improper handling of the virus in the laboratory before the pandemic started but also their failure to warn the nations of the world after the virus escaped.  Millions will have died directly, and millions more will die from the fallout, not to mention the economic damage on the US and world economy.  I can see the day in the not too distant future where people look upon anything made in China with disdain.  I see a world where people post videos of themselves destroying stuff made in China.  Where public opinion forces industries to hurriedly break ties with China over public anger that American or European companies dare enrich themselves and the Chinese Communist Party by doing business in China.  The great exodus from China is coming.  Where the international community will look upon dependence on China for any material, subcomponent, item, or medicine even remotely tied to national security as an anathema, that last part is a good thing.

So, to sum up.  The world will enter a new depression that is more considerable than the Great Depression of the 1930s.  More death and destruction as a result of the economic fallout than from the disease itself.  Lastly, China becomes an international pariah.

Sunday, March 22, 2020

My plan to enforce social distancing during the pandemic when I become King: to congregate at a meeting, park, beach, or whatever during the pandemic?  Because I liken that to reckless endangerment.  Well, fine.  When the police show up, they will temporarily detain you while your fingerprint gets added to a national idiot registry.  After that, the police will send you on your merry way.  Now, should you become ill and need hospitalization (for any reason), hospitals will deny treatment to anyone listed in the national idiot registry as punishment for helping contribute to the overloading of the healthcare system.  You will be handed a bottle of aspirin and a band-aide and taken home.  Since you screwed the system the system now screws you.

Now should someone with COVID-19 knowingly expose other people to the virus, then they will receive one year in prison (with other people carrying the virus of course), a $10,000 fine, and a felony conviction on their record.

Saturday, September 14, 2019

My Thoughts on Hot Presidential Debate Topics

I’ve been watching the September 12th, 2019, Democratic Debate. Here are my thoughts so far:

1-On Gun Control) Those who want to take away the guns will bump into something called the Second Amendment. The Founding Fathers did not create the Second Amendment so Americans can go hunting or protect themselves from a would-be thief or home invasion. The purpose of the Second Amendment was so that the citizens had the means to overthrow the government. That means until the people repeal the Second Amendment, people will have assault rifles, and there will be assault rifle homicides as a result. Chicago has some of the strictest gun laws in the nation, yet it has sky-high gun homicide rate. You won’t be able to regulate your way out of gun violence.

2-On Health Care) Medicare for all is an unaffordable, government and hospital bankrupting non-starter. The best bet is incremental improvements to the Affordable Health Care Act, aka Obamacare.

3-On Immigration) The wall may slow some people down, but it is not a foolproof solution if you want to solve illegal immigration. Changing the laws of what happens after you get here illegally and streamlining how you can get here legally is required to solve the immigration problem. Keep one thing in mind regarding immigration; you cannot solve the problems of everyone in the world by bringing them here.

4-On Climate Change) First keep in mind that a prosperous country is far better equipped to deal with climate change than an impoverished nation. A poor government will do whatever is necessary to scrape by regardless of environmental consequences. Carbon credits are probably the most sensible way to steer people and industry towards climate-friendly behavior. Keep in mind, that if the system imposed to become carbon neutral is so harmful or oppressive to the economy that it causes economic depression, then that nation will revert to doing whatever is necessary to survive, environmental consequences be damned. 

5-On Endless War) We can withdraw our military from Afghanistan and Iraq tomorrow if that is what the people want. However, three types of people will fill the void when we leave. Those three types of people are bad people, more bad people, and worse people. The people in charge will deny women education, and 10-year-old girls will be forced to marry. Ultimately (and it is only a matter of time) those wicked people will export their badness, and it will come here. Wanting the war to stop, being tired of it, wishing it to stop, praying for it to stop and leaving the Middle East, so it stops; will not stop the bad people, it will not stop the war. The bad people have not surrendered, the bad people want it to continue. It will only change where we wind up fighting the bad people.

6-On China and the Trade War) Everyone says they don’t like the tariffs and wants to negotiate with China without them. We’ve been talking with China since Nixon. All that talk resulted in China ripping us off to the tune of billions every year. I think the people of Hong Kong knows the Chinese better than we do, and they know that talk alone will not work. China will do whatever China wants to do regardless of American or international opinions until they are forced in some way, shape, or form to do otherwise. The tariffs are causing American businesses to move their supply chains out of China. China is losing jobs as a result. When the Net Present Value of economic losses due to declines in Chinese manufacturing and exports starts to outweigh the NPV of economic gain from ripping off U.S. intellectual property...then and only then will China sign a deal. With that said, all these businesses that say they cannot move their supply chains out of China are poppycock. Granted, the affected companies cannot do this overnight, but if they were to start now, I guarantee they could find another location before the trade war is even close to ending. This moving out of China also goes for farmers who need to find new markets for their crops. There’s a whole big hungry world out there that needs to eat.

I want to talk briefly about the three worst things:

  • Democracy is the worst form of government except for all the others.
  • Capitalism and free markets are the worst way to distribute wealth, except for all the others. 
  • Tariffs are the worst way to wage a trade war except for all the others.

Monday, September 25, 2017


I'm going to weigh in on the growing controversy of the NFL Players kneeling during the National Anthem before football games.

First, as an American, I believe in the right of free speech and the right to peaceful protest.  So, with that said, I do not think that any players should be fired for exercising their God-given rights as Americans.

Second, as an American, I agree that there is social injustice in America...sad but true.  So, I understand that the NFL players want to bring attention to the cause of social injustice.

Third, I think however that this is a situation about respect or the lack thereof.  Perhaps I am wrong, but I assume that the NFL players want respect for their cause of social injustice.  I suppose they want respect and understanding that hopefully leads to change for the better for all victims of social injustice in America.  I'm only assuming that change for the better is the actual goal of the protesting NFL players.
Fourth, I find it hard to believe that they expect respect for their cause and improved circumstances for victims of social injustice by showing disrespect.  Disrespect earns disrespect not greater respect.

Fifth, the American Flag is the ultimate symbol of the rights of free speech and peaceful protest.  So, with that in mind, I find it hard to understand how displaying disrespect for the symbol of your rights to free speech and peaceful protest can lead to increased respect for the cause of social injustice you seek to change.  I should think that only through greater respect for the cause of social injustice in America can there be any improvement in the lives of the people they seek to affect.

Sixth, do the NFL players want the help and support of flag loving Americans to get behind their cause?  If that is the case then slapping those flag loving Americans in the face is hardly the way to go about it.  It's kind of like asking your mother if you can go out and play and then when she says yes you say, "Fuck you, Mom!"

Seventh, perhaps the NFL players do not feel they are being disrespectful.  But to prove that they are disrespectful I will only point to the recent NFL game played in London.  Where when the American National Anthem played the NFL players kneeled yet when God Save the Queen played for England the players stood out of respect.  If they were standing out of respect, then they were kneeling out of disrespect.  It's as simple as that.  Whether the NFL players like it or not or agree with it or not, kneeling during the National Anthem is seen as a sign of disrespect by millions of Americans.

Eight, as such showing disrespect to the flag, might bring attention to your cause but it will only earn your cause disrespect.  And those same Americans who now disrespect your cause will, in turn, hope your cause fails.  So, if leading millions of Americans to hope your cause fails is the NFL players goal then they are doing the right thing.  However, if the NFL players want respect for their cause and positive social change, then I think they are going about it the wrong way.

Ninth, while American's have the right to free speech and peaceful protest, they are not protected from the consequences of those speeches and protests.  Americans have the right to change the channel. They have the right to withdraw their support for the NFL if they feel the NFL players are being a bunch of disrespectful spoiled brats who are bringing attention to a worthy cause of social change in the wrong way.

Tenth, millions of Americans have died to protect the right to free speech and peaceful protest.   Expecting positive social change by disrespecting the symbol of those millions of dead is a fool's errand.  The sooner the NFL players figure this out, the better off they will be.