I’m the “Real McCoy”, not Joe the Plumber – How About You? I’m the typical small business owner, a member of the working class. I’m the Real McCoy, Incorporated with over 20 years in business with just under 30 employees. Let me tell you about us and our small business.

The Real McCoy owns a Sub‐S Corp. A Sub‐S Corporation is the purest form of Capitalism. The majority – 100% of Real McCoy’s capital investment comes from the profits earned by the Real McCoy owners. It is pro‐choice for business! It is Real McCoy’s choice to decide whether to pocket the income or reinvest in the Real McCoy business. Real’s management team own and operate the company. McCoy’s business is entirely self‐funded.

The only stimulus the Real McCoy needs is a Real tax cut, for example a payroll tax cut on employees and employers alike. Small Business 101 is all about grow or die, the exact opposite of big government! The Real McCoy cannot survive and prosper under the current administration’s plan for small business, especially with regard to taxes and healthcare. Real McCoy can grow business including a positive gain in employment, at significantly greater percentages than big business with payroll tax relief.

The Real McCoy has always chosen to reinvest most of our “after tax” profits in the business. This comes in the form of Real employment, including Real competitive salaries, Real payroll taxes, Real benefits to include medical, dental and a Real top‐notch wellness program that includes a Real company owned gym. Plus McCoy has invested in state‐of‐the‐art technology for every employee. McCoy has a flexible work from home program to save on foreign oil and improve Real people’s attitude, a “Real Go Green” program and Real Town Hall meetings.
A typical small business like Real’s is self‐funded.

Real might have a loan from Real’s folks, a 2nd mortgage on the house and, with luck, a small line of credit from a local bank. So McCoy’s business needs to earn Real income to cash flow and grow. Any tax increases will hurt McCoy’s ability to sustain employment and grow our business. Increasing taxes on McCoy’s small business is not spreading the wealth around. The Real McCoy must spread the wealth around to keep loyal employees who will help Real sustain and grow Real’s business.

Small business owners spread the wealth to middle income and lower income earners that depend on Real McCoy’s business thriving. So it is about Real people and Real jobs, not about more entitlements and more government. We need less bureaucracy, less pork, less fraud, ergo less government…

The Real McCoy can’t increase his prices 35 ‐ 60% to his customers like the major insurance carriers can. Our costs
continue to increase due in large part to Medicare and Medicaid entitlements and mismanagement; greed and fraud in the healthcare industry follow close behind. The healthcare industry needs to let Real people work out a plan that offers individual choice and fair market competition which far outweighs any other social issue simply because we are in survival mode, something big government does not understand.

President Obama’s National Healthcare Plan takes the responsibility out of the hands of the people to make their own decisions about the quality and cost of healthcare. Health Savings Accounts (H.S.A.) reduce employee and employer costs and leaves individual responsibility and competition in place. The Real McCoy offers the H.S.A. as a lower cost
alternative.

Offer a tax credit to individuals which allows the individual to choose between plans and makes the choices. Imagine the competitive pressure on insurers, health care providers, especially pharmaceutical companies (especially when the plan allows us to buy across the border) and health care equipment and supply vendors. Affordable, quality healthcare can only happen if there is individual choice.

If President Obama get his way, look for the Real McCoy’s of this world to end up the Real Minority and join the endangered species list. Take away the incentive to make money, the American dream and our freedoms will be
compromised and eventually disappear. President Obama’s plan for big government will become a self‐fulfilling prophecy. You want change? The change will no longer be about our big government. Try China. Try being pro‐choice when your only choice is boy or girl! Just one.