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N.Y. manufacturing index hits highest level in nearly three years in June
Increases in new orders, shipments led the way Increases in new orders and shipments were key factors as the Empire State manufacturing Survey general business-conditions index surged 21 points in June to hit 19.8, its highest mark since September 2014. The index had declined significantly in each of the prior two months, culminating with its […]
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Increases in new orders, shipments led the way
Increases in new orders and shipments were key factors as the Empire State manufacturing Survey general business-conditions index surged 21 points in June to hit 19.8, its highest mark since September 2014.
The index had declined significantly in each of the prior two months, culminating with its dip into negative territory in May.
A positive reading indicates expansion or growth in manufacturing activity, while a negative index number points to a decline in the sector.
The results of the June survey indicate that business activity “rebounded strongly” for New York manufacturers, the Federal Reserve Bank of New York said in a news release issued June 15.
The survey found that 36 percent of manufacturer respondents reported that conditions had improved over the month, while 16 percent said that conditions had worsened.
Survey details
The new-orders index, which showed a decline in orders in May, jumped 23 points to 18.1, indicating that orders “increased markedly.”
The shipments index rose to 22.3, pointing to a “substantial” increase in shipments. The unfilled-orders index moved up to 4.6, and the delivery-time index was “little changed” at 5.4.
The inventories index rose to 7.7, a sign that inventory levels were higher.
Employment indexes remained positive, pointing to “continued modest growth” in employment levels and hours worked.
The index for number of employees edged down 4 points to 7.7, and the average-workweek index was little changed at 8.5.
The prices-paid index held steady at 20.0 in May, and the prices-received index rose 6 points to 10.8, pointing to a pickup in selling-price increases.
Indexes assessing the six-month outlook suggested that manufacturing firms “continued to expect” conditions to improve.
The index for future business conditions was little changed at 41.7, and the index for future new orders rose 9 points to 42.2.
Inventories were expected to be “slightly lower” in the months ahead, and employment was expected to “increase modestly.”
The capital-expenditures index rose to 20.8, and the technology-spending index was 11.5.
The New York Fed distributes the Empire State Manufacturing Survey on the first day of each month to the same pool of about 200 manufacturing executives in New York. On average, about 100 executives return responses.
Considering starting a business in New York’s booming craft beverage industry?
Steps you can take to begin putting a business plan into motion Gov. Andrew M. Cuomo recently announced the launch of the Taste NY Inaugural Craft Beer Challenge, in which New Yorkers were invited to vote for their favorite New York craft brewery in celebration of their diversity, range, and quality. It began with nearly
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Steps you can take to begin putting a business plan into motion
Gov. Andrew M. Cuomo recently announced the launch of the Taste NY Inaugural Craft Beer Challenge, in which New Yorkers were invited to vote for their favorite New York craft brewery in celebration of their diversity, range, and quality. It began with nearly 70 breweries from across the state on May 4. Then by May 10, 100 more were added into the competition. The challenge coincided with American Craft Beer Week, which ran from May 15-21 and celebrated craft beer across the country.
“New York’s craft beverage industry is thriving, driving tourism and creating jobs across the state. The inaugural Taste NY Craft Beer Challenge will celebrate the best of New York’s craft beers and connect our world-class beverage producers to new consumers and markets. When New Yorkers buy New York products, everybody wins.” Gov. Cuomo said.
Statistics and information provided by Empire State Development (https://esd.ny.gov/industries/craft-beverage) point to continued growth for this industry in New York state.
Craft beverage industry — Key facts from Empire State Development:
• ew York state ranks No. 3 in the nation for wine and grape production, No. 2 in apple production, and No. 3 in the number of distilleries. The state is home to three of the nation’s 20 top-selling craft breweries.
• he Empire State’s roster of craft-beverage manufacturers includes 460 wineries, 278 breweries, 124 distilleries, and 35 cideries.
• he state is the second-largest wine-producing state in the nation and was named Wine Region of the Year in 2014 by the prestigious Wine Enthusiast magazine, citing the quality of wines, industry growth, and improved business climate.
• ore than 130 farm breweries operate in New York state. Farm breweries are a part of a growing beer industry that has generated more than $2.9 billion in direct and indirect revenue within the state, and another $554 million in direct and indirect wages, for a total economic impact of nearly $3.5 billion.
New York state currently has 19 designated craft beer, wine, and cuisine trails, which can be found at https://www.ny.gov/sites/ny.gov/files/atoms/files/TasteNYTrailMap.pdf.
So does all this make you want in on the action in New York’s craft beverage industry? Here are some steps you can take to begin putting a business plan into motion.
1) tart by discussing your idea with a mentor from one of the local resources listed below.
2) et your thoughts, ideas, and experience down on paper before you meet with a mentor. This will give him/her something to work with and begin to help you in molding your ideas into a business plan.
3) ook at your resources: what cash or assets do you have personally to invest into the business?
4) ind a mentor and other local resources that are knowledgeable about the craft-beverage industry.
5) ind out where your credit stands. If it needs work, begin a strategy to get your credit score up to a minimum score of 680 in order to obtain financing, if needed, from a lender.
6) egin researching what your startup costs will be. This could include equipment, inventory, licenses and permits, and labor costs just to name a few. This will give you an idea of how much to request when talking to a lender or investor.
7) nce initial startup costs are calculated, you can then begin to explore financial projections of your overall income and expenses to ensure that your craft-beverage venture is feasible and profitable.
Feel confident in knowing that there is a bounty of resources and mentors right here in Central New York. Most of them offer free and confidential counseling services to new or existing businesses. Resources include the Small Business Development Center (SBDC) at Onondaga Community College (OCC), SCORE, WISE, SSIC, CenterState CEO, The Tech Garden, and more.
So after considering these key areas, think about what makes your product unique and evaluate whether is it feasible, needed, and properly planned out. If so, take the leap and make your proprietary blend into something all of us can enjoy in the years to come.
Keyona Kelly is a business advisor at the SBDC, located at OCC. Contact her at k.r.kelly@sunyocc.edu.

State of Downtown report documents downtown Syracuse’s transformation
SYRACUSE — Downtown Syracuse is now home to 3,500 residents and 28,000 company employees in what has become a “neighborhood.” That’s according to the “State of Downtown” report that Merike Treier, executive director of the Downtown Committee of Syracuse, Inc. delivered during the organization’s annual meeting held June 22 at the Marriott Syracuse Downtown. In
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SYRACUSE — Downtown Syracuse is now home to 3,500 residents and 28,000 company employees in what has become a “neighborhood.”
That’s according to the “State of Downtown” report that Merike Treier, executive director of the Downtown Committee of Syracuse, Inc. delivered during the organization’s annual meeting held June 22 at the Marriott Syracuse Downtown.
In her remarks, Treier called the hotel a “metaphor” for downtown Syracuse’s future.
“For generations it was the social center of our community. And now, with her
$76 million restoration, she’s back in that position,” Treier said. “But it’s her new name, new vision, and modern conveniences that offer a bright new future with her.”
Treier also noted the work that’s underway on the State Tower Building with its top floors wrapped in screening, above scaffolding.
“A total transformation is underway,” she said.
The State Tower Building will soon have 63 apartments when the Syracuse–based Pioneer Companies completes its $36 million renovation, Treier said in her report.
“Incredible” levels of investment have moved downtown Syracuse “forward” this year, according to Treier.
It includes nearly $200 million of investment activity that is underway, with more than 800 new jobs added “in just the last few months.”
Treier also noted that 24 new retail businesses have opened in the last year. In addition, plans for 300 new apartments are “in the pipeline,” with construction on 157 currently underway.
“In fact, of the $570 million that’s been invested in downtown Syracuse in the last 10 years, half can be attributed to downtown residential development,” she said.
The work also includes a $43 million development of the former NYNEX telephone hub, which will include 180 residential units and new commercial space.
Abe Einhorn purchased the Chimes Building with a $5 million plan to build 90 additional apartments, upgrade the commercial spaces, and restore this property’s position as an “iconic landmark,” said Treier.
Marriott Syracuse Downtown owner Ed Riley and the Syracuse–based Hayner Hoyt Corporation are investing $26 million to develop upstate New York’s first Hyatt House. Construction on the 120-room extended stay hotel “will soon begin,” she added.
Company moves
“This past year, downtown welcomed 800 new employees,” Treier noted in her remarks.
The company moves included SUNY Upstate Medical University relocating 400 finance and information-technology employees into the Galleries of Syracuse.
Mackenzie Hughes, a law firm, also relocated its headquarters to the Mackenzie Hughes Tower at the Galleries.
In addition, engineering firm Arcadis moved into One Lincoln Center, bringing 250 employees.
Syracuse–based law firm Barclay Damon, LLP moved its offices and 160 employees into Onondaga Tower at 125 E. Jefferson St., which then became Barclay Damon Tower.
In the same building, Ephesus Lighting doubled its workforce, adding 35 employees, Treier noted, and Blue Rock Energy moved into the Tower this past March with its 65 employees.
Downtown Awards of Excellence
The Downtown Committee of Syracuse honored Robert Doucette and George Curry with its Urban Innovation Award for their development work in the Armory Square area of downtown Syracuse.
The award was one of the organization’s Downtown Awards of Excellence, presented during its annual meeting.
Doucette is a partner in Paramount Realty Group, LLC at 108 West Jefferson St. in Syracuse. Curry is a professor emeritus of landscape architecture at the SUNY College of Environmental Science & Forestry in Syracuse. Curry was unable to attend the event, according to Jim Breuer, chairman of the Downtown Committee of Syracuse, who emceed the annual meeting.
Doucette and Curry “had a vision” for Armory Square when it was known as a warehouse district, the Downtown Committee said. The organization described Doucette and Curry as “urban pioneers.” The duo restored the Labor Temple Building at 309 S. Franklin St. in 1984.
With eight new residential apartments, the property became the first residential space in Armory Square, “setting the foundation for the successful Armory Square we know today,” the Downtown Committee noted.
Additional awards
The organization also honored Dennis Connors, historian at the Onondaga Historical Association, with its Heart of Downtown Award.
Connors “was at the forefront of the effort to save” Hanover Square from bulldozers in the 1960s. He “recognized the importance” of historic preservation from an economic and cultural standpoint.
The Downtown Committee staff sees Connors, who plans to retire at the end of this year, as “the keeper of our community’s stories.”
In addition, the Downtown Committee also recognized owner Randy Sabourin and the staff at Metro Fitness with the Perfect Partner Award for their “creative programming” focused on healthy habits and wellness initiatives throughout the downtown area.
The Downtown Committee credits Sabourin with starting the conversation that brought outdoor fitness equipment to the Creekwalk earlier this year and jumpstarted the Wellness Wednesdays that the Downtown community looks forward to throughout the summer season in Clinton Square.
The organization also recognized a group of women entrepreneurs along Warren Street for their retail shops, boutiques, and eateries with what it called the Newsmaker Award.
The group included Kathie Morris of The Changing Room at 425 S. Warren St.; Shauna Diliberto and Susan Hodell of Vintage Love at 201 E. Jefferson St.; Natalie Evans and Jen Walls of The Sweet Praxis at 203 E. Water St.; Johanna Yorke of Otro Cinco at 206 S. Warren St.; Cheryl Hassett of Soup R Salads at 308 S. Warren St.; and Gini Cerio of Markowitz Florist at 210 S. Warren St.

Oneida Indian Nation to build wine and spirits store near Chittenango casino
Yellow Brick Road Casino, the Oneida Nation’s gaming and dining venue. Construction on the Tin Woodman’s Flask will begin next month, with its opening date
22 Ways to Make Customers Feel Valued
The famed author, Thomas Merton, said we value people, not for who they are, but for their usefulness. This is the same mistake companies make with customers. They value them for their usefulness — for what they spend. Customers see it quite differently. As Gallup, Inc. researchers point out in commenting on the economy, “Consumers
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The famed author, Thomas Merton, said we value people, not for who they are, but for their usefulness. This is the same mistake companies make with customers. They value them for their usefulness — for what they spend.
Customers see it quite differently. As Gallup, Inc. researchers point out in commenting on the economy, “Consumers are spending money, but they’re more inclined to spend it only on businesses they feel good about.” Not businesses they may like or where they’re treated nicely. In other words, their money is going where they feel valued.
Most businesses do a fairly good job “pleasing” customers — getting orders right and delivering them on time, but that bar isn’t nearly high enough. Here are 22 ways to meet today’s major challenge of making customers feel valued.
1. ever ask customers to call back. It’s rude and demeaning. Take their number and call them back or let them know who will be in touch with them.
2. ever leave customers hanging. Always close the loop by letting them know what to expect or what’s going to happen next. It relieves frustration, uncertainty, and unnecessary unhappiness.
3. lways follow up right now. Fast action is impressive; it says you care.
4. sk customers if they would like help in filling out forms. This takes away the drudgery. Just the offer alone sends the message that you’re willing to take the time to be helpful.
5. ake all messages customer centric. Start by never using “I” or “We.” They’re a turnoff. Work at keeping the focus on the customer.
6. ive customers a contact person. There’s nothing worse than feeling abandoned and that’s what happens to customers when they get lost and can’t get in touch with somebody inside a corporate labyrinth. Having a personal connection relieves stress.
7. ever let the size of the sale influence the way you treat a customer. When making a large purchase, customers expect the “red carpet” to be rolled out. But when customers get the same attention making a small purchase, it creates a lasting positive impression — one that keeps them coming back.
8. ever fail to acknowledge customers even when you’re busy. Failing to do so may be the unforgiveable business sin. It diminishes the customer, is never forgotten, and damages the relationship.
9. ever make excuses. They’re always a failed attempt to make yourself look good. They send a message to others that you’re weak and deceitful, someone who can’t be trusted.
10. lways ask questions. There is no substitute for getting another person to talk. Customers will be surprised and impressed because they’re always afraid no one will listen.
11. ive believable answers when you’re asked questions. Short answers satisfy customers, but always ask if what you said is clear.
12. ever leave customers wondering. The test comes after customers leave or you get back to the office. That’s when they get to thinking about what you said — and when the questions come to mind. Always encourage them to call, email, or text you.
13. e precise when you tell customers you’ll get back to them. Let them know when they can expect to hear from you, and, if there’s a change, keep them informed. It’s a matter of trust.
14. hen there’s a problem, take ownership. Now customers can relax and not worry about what might go wrong. They know someone will follow through for them.
15. urprise them with something unexpected. It may be free shipping, upgraded delivery, a discount on their next purchase, a gift card, a discount, or an enhanced warranty.
16. cknowledge purchase anniversaries. It shows your appreciation and keeps you top of mind. You might send a letter with a gift certificate or some other indication of your appreciation.
17. elp people feel good about their purchase. Reinforce its value with statements such as: “This will be an enjoyable addition to your home,” “You’re going to have a lot of fun driving this car,” “Your friends will enjoy coming to visit,” or “You’ve made a terrific choice.”
18. heck-in with customers a week after making a purchase. Make it a time to ask if they have questions and what they like best — and least — about their purchase. They’ll appreciate your continued interest and that you haven’t forgotten them.
19. se the one word that reassures customers. When customers ask you to do something, say, “Sure.” Then figure out what to do — and do it.
20. elp customers avoid “buyer’s remorse.” Customers always want to feel good about their purchases. Yet, feelings of uncertainty often set in and they doubt their decision. To help them avoid getting “cold feet,” remind them why they made the purchase, what they liked about it, and share third-party testimonials to validate their decision.
21. lways say, “Thank you.” Every conversation is an opportunity to express appreciation, whether it’s responding to a problem, greeting a new customer, hearing about a mistake, or getting an order.
22. tay in touch. Getting customers is hard work; keeping then is even more demanding. Send periodic emails, but don’t make them ads. “Buy, buy, buy” messages drive them away. Offer helpful information and be sure to ask their opinion of a product, service, or customer experience.
Most companies want to do the right thing by their customers. Yet, far too many fall short, believing that giving them a good deal or schmoozing them is all it takes. It isn’t.
Actor and director Adam Arkin says it’s hard to believe that the factor affecting the final outcome of a film is still news: “When people are treated well,” he says, “and they’re made to feel valued, they give 110 percent.” That goes for customers, too.
John R. Graham of GrahamComm is a marketing and sales strategy consultant and business writer. He publishes a free monthly eBulletin, “No Nonsense Marketing & Sales Ideas.” Contact him at jgraham@grahamcomm.com, (617) 774-9759 or johnrgraham.com
Emerson Foundation names seven new board members
AUBURN — The Fred L. Emerson Foundation announced it has elected seven new members to the family foundation’s board of directors. The new directors include five great-great grandchildren of the foundation’s founder, the late Fred L. Emerson. The newly elected family members represent the first of the 5th generation of Emersons to join the board
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AUBURN — The Fred L. Emerson Foundation announced it has elected seven new members to the family foundation’s board of directors. The new directors include five great-great grandchildren of the foundation’s founder, the late Fred L. Emerson.
The newly elected family members represent the first of the 5th generation of Emersons to join the board of the foundation, now in its 85th year of operation. They will serve on the board with seven 3rd and 4th generation family directors. The new family directors are:
• W. Eric Emerson of Auburn
• Grace E. Franceschelli of Alexandria, Virginia
• William Franceschelli of Auburn
• Alex Kinal Wagner of Brooklyn
• Aliza Querns of Auburn
The foundation also announced the election of two new independent directors, Elizabeth August and Michael Nozzolio. That brings to three the number of independent directors who will assist the family in the governance of the organization, according to an Emerson Foundation news release.
August is a legal writing professor at Syracuse University College of Law. Prior to her faculty position, she worked for a large law firm. August also serves as a board member of the Charles J. & Burton S. August Family Foundation.
Nozzolio is a partner with the Harris Beach law firm. From 1982-2016 he represented the Finger Lakes region in the New York State Senate and State Assembly. Prior to his elective service, Nozzolio worked for four years as a legislative counsel in the U.S. House of Representatives.
Established in 1932, the Fred L. Emerson Foundation is a private family foundation located in Auburn. It provides support to not-for-profit organizations in Auburn and the surrounding Central New York area where its founder, Fred L. Emerson, lived and worked.

Rome Memorial Hospital’s Bell honored for her leadership
ROME — Teresa Bell, R.N., assistant VP of clinical services at Rome Memorial Hospital, has been recognized by the New York Organization of Nurse Executives and Leaders (NYONEL) for “outstanding leadership in nursing practice,” the hospital announced. With nearly 400 members across the state, NYONEL is the professional organization for nurses who design, facilitate, influence,
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ROME — Teresa Bell, R.N., assistant VP of clinical services at Rome Memorial Hospital, has been recognized by the New York Organization of Nurse Executives and Leaders (NYONEL) for “outstanding leadership in nursing practice,” the hospital announced.
With nearly 400 members across the state, NYONEL is the professional organization for nurses who design, facilitate, influence, and manage health-care services in New York state.
Each year, the regional boards of NYONEL select a leader from their region to be recognized for ongoing contributions to activities undertaken by NYONEL at both the state and regional levels in support of the organization’s mission. Bell was chosen by a vote from the nearly 100 members of the Central New York region. She was presented with the award at the organization’s annual conference in Tarrytown.
“Terry was chosen for her outstanding nursing leadership,” Durinda Durr, VP of clinical services at Rome Memorial Hospital, said in a news release. “She is a leader by example who displays her love for her profession every day through her actions, professionalism, knowledge and skill.”
A graduate of the Marcy Psychiatric Hospital School of Nursing, Bell earned her bachelor’s degree in health-care administration from Kennedy-Western University. She started her career at Rome Memorial Hospital in 1975 as a medical/surgical staff nurse. She was promoted to director of medical/surgical/pediatric nursing services in 1994 and assumed additional responsibility for maternity services in 2001. In 2009, she was promoted to assistant VP of nursing.
New York egg production rises slightly in May
New York farms produced 142.5 million eggs in May, up 1 percent from 140.8 million eggs in the year-ago period, the USDA recently reported. The total number of layers in New York increased slightly in May to 5.62 million from 5.60 million a year prior. New York egg production per 100 layers totaled 2,538 eggs
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New York farms produced 142.5 million eggs in May, up 1 percent from 140.8 million eggs in the year-ago period, the USDA recently reported.
The total number of layers in New York increased slightly in May to 5.62 million from 5.60 million a year prior.
New York egg production per 100 layers totaled 2,538 eggs in May, up nearly 1 percent from 2,516 eggs in May 2016.
In neighboring Pennsylvania, egg production fell 1.1 percent to 690 million eggs in May from more than 697 million eggs a year earlier, the USDA reported
Oneida County hotel occupancy rate falls nearly 9 percent in May
Hotels in Oneida County were significantly less full in May compared to a year ago, according to a recent report. The hotel occupancy rate (rooms sold as a percentage of rooms available) in the county declined 8.6 percent to 51.9 percent in May from 56.8 percent in the year-ago month, according to STR, a Tennessee–based
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Hotels in Oneida County were significantly less full in May compared to a year ago, according to a recent report.
The hotel occupancy rate (rooms sold as a percentage of rooms available) in the county declined 8.6 percent to 51.9 percent in May from 56.8 percent in the year-ago month, according to STR, a Tennessee–based hotel market data and analytics company. It was the second straight monthly decrease for Oneida County’s occupancy rate. It fell 3.4 percent in April.
Revenue per available room (RevPar), a key industry gauge that measures how much money hotels are bringing in per available room, fell 7.2 percent to $57.77 this May from $62.23 in May 2016. RevPar in the county also dropped two months in a row, per STR. It dipped 1.1 percent in April.
Average daily rate (or ADR), which represents the average rental rate for a sold room, rose 1.6 percent to $111.22 in May, compared to $109.51 a year earlier.
Critters of the Washington, D.C. Swamp Unite vs. Trump
For many months, President Donald Trump was accused of colluding with the Russians. The big media trumpeted the charges and rumors. They practically convicted him. FBI Director James Comey assured Trump he was not under investigation. The director told all the leaders of Congress that the president was not under investigation. He directly briefed 34
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For many months, President Donald Trump was accused of colluding with the Russians. The big media trumpeted the charges and rumors. They practically convicted him.
FBI Director James Comey assured Trump he was not under investigation.
The director told all the leaders of Congress that the president was not under investigation. He directly briefed 34 leaders. From both parties.
Add up their staff members and aides and intimates, and it comes to a few thousand top people on Capitol Hill. A few thousand who knew Trump was not being investigated. They knew.
Big media certainly knew months ago that Trump was not being investigated. Yet they pumped out a stream of stories of possible collusion. They told the American people their president was being investigated. They knew this was a lie.
Trump asked the FBI’s boss to state publicly that he was not being investigated. He didn’t do it. Maybe he was too busy. He did find time to leak conversations he had with the president. About other matters. He had to be trotted before a Congressional committee before he would say the president was not being investigated.
For months, Trump twisted in the wind. He was savaged by the media and the critics. Few defended him. Yet thousands knew he was not being investigated. And nobody stood up. Nobody called off the bloodhounds.
What was going on? Consider: Of all District of Columbia voters, 4 percent voted for Trump. While 91 percent voted for Hillary Clinton.
Virtually nobody in Washington, D.C. wants this guy in the White House. The reason is simple: He threatens whatever sweet deals they have going for themselves.
Washington is a cesspool. The “cess” is the money. If you are elected to Congress you must raise big money. Democrat memos tell members to spend four hours per day raising money. Republicans are no different. If you want to be on a hot committee, you must raise X millions per year. You have to raise millions for your own campaigns. Some former Congressmen admitted they spent two-thirds of their time asking for money.
Meanwhile, Washington watched the big Clinton machine vacuum up hundreds of millions for charity. Bull. It was an influence-peddling operation. Want proof? Nobody is giving money to that machine these days. Charity my foot.
The awful truth is that Washington is for sale. Most of our politicians have their virtues. But on the side, they are hookers.
Do you suppose those who give all the money to the pols leave it at that? Or do you suppose they want something in return? Like guys who buy hookers, of course they do.
They want spending here. And there. They want regulations to go their way. They want jobs for pals. They want tax breaks. They want contracts — and under-the-table deals.
The cogs and wheels and gears of Washington’s humungous machine are greased with money. Along comes this Trump, this interloper. He wants to toss sand in the gears. He wants to cut fat budgets. He wants to cut regulations. He wants to end a few tax breaks. And unlike the other pols he doesn’t need to ask for money.
Can’t have that.
The critters of the swamp will tolerate and excuse corruption of all kinds. They will hide it. They will rationalize it. As long as it is by one of their own. They will ally with big media to do this. And to attack anyone who threatens their swamp. The big media will help because it is neck deep in the swamp as well.
I doubt Mr. Trump will survive the attacks from the critters. He is the ultimate outsider. He has no friends in Washington. And Washington will chew him up and spit him out. It ain’t gonna be pretty.
From Tom…as in Morgan.
Tom Morgan writes about political, financial and other subjects from his home near Oneonta. Several upstate radio stations carry his daily commentary, Tom Morgan’s Moneytalk. Contact him at tomasinmorgan@yahoo.com
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