Business Strategies – Page 2 – Charles (Chuck) Kensinger

Advertising to steal your money

October 29, 2025

I’ve talked about misleading television ads. It is assumed that stations and networks will not air ads that are not in compliance with FCC regulations. From time to time, companies are found guilty of crimes by government organizations. The FTC, FCC, or others may file suits against these businesses.

I am not referring to any groups that are anything but legitimate. Do our governments allow legal theft of our money? Yes, they do. They promise things that they cannot deliver, and you are still legal. Especially for the gambling industry. You may win some money, and that makes it legal for them to say this.

My Microsoft Word grammar check wants me to change “win” to “earn.” Does Microsoft own stock in gaming companies? This brings out another reason why I believe our culture has decided that gambling is another of those past vices that should be viewed as reputable.

Missouri made it legal for companies to establish sports betting in our state. We already have bingo, the lottery, and casinos on boats on our waterways. Now you will be able to sit at home or anywhere and make wagers for sporting events on your computers, tablets, or other devices. Of course, the spots have warnings that some find gambling difficult to stop.

I’m sure that will be as effective as the warnings against tobacco and nicotine usage, alcohol and drug abuse, and other activities that we once thought civilized society should restrict. Some areas have legalized prostitution, and often these are notorious gambling zones. Why do you think Las Vegas, Nevada, is called Sin City?

Another name for this wagering capital is Lost Wages, Nevada. In 1969, my New York Mets took their first World Series title. I was not old enough to go to Vegas and place a bet. I’m sure a twenty-dollar wager placed before the season started would have netted thousands for me. I had predicted this win for over five years.

While some chances may pay off, we need to think intelligently about the chances we take. I am constantly amazed by how many folks I know who expect to invest money in lottery tickets, bingo, or casinos and gain a fortune for future needs. Now in Missouri, you can add sports gambling to the list.

Anyone who thinks about it knows that the companies that make their money from any kind of wagers will not allow themselves to pay out more than they bring in. That means that most gamblers may win some but will ultimately lose what they win if they continue to wager.

Random games of chance are the worst offenders. Sports gaming may seem a more certain chance, yet the winner is never truly known until the end of the game, or match. There is no sure thing. Please do not be one of those that fall into this trap. Gambling is a legalized means of stealing your money.

Don’t overpay

September 9, 2025

This is a line from a celebrity spokesperson on a commercial for an insurance plan. Some of you will deny that this is insurance. Insurance is a word that is defined as “a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.”

An alternate definition is “a thing providing protection against a possible eventuality.” Using this idea, I would like to present an alternative idea to some of the “Insurance” that is currently being sold. Life, automobile, or health insurance is not needed by everyone. Those of us without financial resources to pay for responsibilities brought on by circumstance need these policies.

The full quote from the commercial is “Don’t overpay for anything.” This line is written by someone other than the actress who speaks the line. An advertising copywriter penned this phrase. I am not sure when it was first used. Probably hundreds of years ago.

I do not like to pay more for something than it is worth. What makes a service or product cost what the provider wants to charge you? Our current economic philosophy is called “supply and demand.” This means that what is being offered is worth more if the supply is lower or the demand is higher.

Demand is artificially created or increased by advertising. We purchased a new HVAC system last year. This year, we are having a new roof installed. We called some of the companies that advertise on television for both. We chose the best rates from companies that rely on word of mouth.

Friends from church recommended the heating and air company. Their price was eleven thousand less than one of the companies that hawk their services on TV. Our roof will be over five thousand dollars less than another advertiser. I have also dealt with a plumbing company for years that recently announced drain cleaning at $100 discount. I find that interesting since my last service cost over $100 more since they began running ads.

If they provide quality work or products, why do they need to pay to let customers know how good they are? Look for businesses that friends and neighbors recommend. What makes me think that we will have a superb roof installed? Three neighbors in the last two years are satisfied and have no complaints.

Back to the insurance type advertising. What about the local family that bought the service on the recommendation of their utility company and is still trying to find the money to repair their home, when the fine print in the contract allowed them to deny the repairs because of work that was done before the contract was signed? You must have someone do an inspection at your cost to ensure the agreement is valid.

Cancel these plans and put the money in a savings account that draws interest. This includes all the home repair, automobile service, or other groups that make their money by promising things they have no intention of doing. If you have paid for these services and found out after paying for them that your claim does not qualify, contact me. I want to let the unsuspecting consumer know what can happen to them.

Tariffs are here

August 14, 2025

OMG. What are we going to do now that all these prices are going up? With over forty years in purchasing and procurement, I have done extensive research with my sources in the business community and have identified seven steps to minimize the impact of this crisis on your life.

If you work in the transportation industry, prepare for a possible layoff. Depending on the impact of these higher costs you may have cutbacks on the amount of time you work. Cut back on expenses. Don’t take out any more debt. Try to save as much as you can. Don’t buy frivolous items. Sodas, coffee, lunch or dinner, alcoholic beverages, or lottery tickets are a few things I will eliminate. For the most part it may not affect you at all.

Buy American made. I am talking about things that are made from beginning to end in this country. In our area this is the season for local festivals. Handmade gifts are in abundance at these annual events.

Make your own gifts. You have time. Draw or paint a picture. The next time a friend or family member tells you they like a painting or t-shirt that is a simple design. Get the materials to make it and give it a shot. My walls are festooned with creations from makers I have known for years. Every morning an eagle swoops down on me in bed. Identify what your talent is and create something.

Buy early. Christmas is coming. It will be the same day as it has for over two thousand years. Buy now. Do not wait. I like to save money as well. This is not the year to pass what you want or need because it may be cheaper tomorrow.

Do not create shortages where they are not needed. Did you know that much of the toilet paper and paper towels used in this country are produced in this country? Remember the TP shortage during the COVID pandemic? That was due to shipping problems because there was a truck driver shortage.

Reduce, reuse, recycle. That was popular in the 1970s. Bring it back. Don’t buy things you do not need. Need another piece of furniture? Repurpose something you already have. When I say recycling, I mean give or sell things that are perfectly good to someone else. We have been selling and donating items we have stored for years. We need the room. We do not need the stuff.

Buy items coming in from nontariff Countries. Forget Canada, Mexico, and China or any other country that haven’t kissed the ring. Freight comes in from north, south, west and east. Now is the time to limit ourselves.

There are probably other ways you can think of to save stress over this increase in prices. I won’t call it inflation because certain people don’t want anyone to use that word. I would love to hear your comments. You might be the person who has a better idea than all of us talking heads. Or in some cases the other end of the donkey.

MONDAY, MONDAY

August 2, 2025

Remember in high school how you could not wait to get to school on Monday each week and see the friends that you did not hang out with on the weekend? You didn’t? That seems odd. I was going to relate that experience to how you look forward to working every Monday morning.

You say you do not look forward to Monday mornings? That seems odd, also. The Apostle Paul tells us that we are to do our work as if it were done for Jesus. If you were working for Jesus, you would be chomping at the bit for Monday, wouldn’t you? While our fellow workers are praising God for Friday, shouldn’t we praise Him for Monday and the opportunity to earn our own living?

Most think there is something wrong with “TGIM”. The universe began on Monday morning. According to the Western point of view, the first full day after Jesus’ resurrection was Monday. Since work should be looked on by the Christian as a blessing, shouldn’t the beginning of the work week be a blessing also?

I’m talking about craziness. No one likes Mondays, and they never will. While unemployed, I dreaded the work week. Others returned to the job. Thousands like me joined the unemployment lines. We went to our computers and looked for work. In today’s modern society, the line is online. Most companies do not accept applications in person anymore. When you go to Wal-Mart to apply for a job, you are directed to an in-store computer where you can fill out the employment application.

The hardest job I have ever had was searching for employment. The agencies had my number. I received a few calls from them. Mostly, I received rejections from everyone. My twenty-five years in sales and customer service aided somewhat in keeping me from being overly depressed. Almost three years without regular work does take its toll.

These are the things I thought about this Monday. TGIM, thank God it is Monday and there is work to be done. My work now is writing. This is also my continuing ministry. I spent over forty years as a workplace minister until there was no workplace to minister in.

When I worked at Positronic Industries, that was my ideal job. I began as a buyer in the purchasing department and became a purchasing supervisor three months later. I was excited to go to work every day. Turn your work life over to Jesus and let Him become your boss.

The job I retired from was not as easy to handle as Positronic. There was stress from a boss who did not want me to make any of my own decisions. Everything had to be done the way he wanted it, and he did not understand when delivery dates or truck pickup times did not fit his schedule.

I kept telling myself that I was working for Jesus and not him. I made it through every day because I wasn’t trying to please anyone but my Lord. That worked for me. I hope it will work for you as well.

NO ONE CAN TEACH YOU WHAT YOU DO NOT WISH TO LEARN

July 1, 2025

It seems like an easily determined idea, doesn’t it? Parents, teachers, and employers all fail to recognize this one fact. A father or mother attempts to teach a child how to use a spoon, a fork, or the potty chair before they want to. And it is always a struggle. I know. We tried that with Heather.

She would sit on the pot and not do anything. Then she decided she wanted to use the chair because she was tired of diapers. Why do training diapers help so many kids? They don’t want to lose the security of the protection from accidents, but they want freedom in the bathroom. They also wish for Mom and Dad’s approval.

Effective teachers find ways to encourage their students to learn, but may use games, toys or other activities that catch the attention and are interesting. This type of learning must be customized for every student. If you are fortunate, more than one person is captured by the same activity. Others require a different approach. Learning centers in classrooms take advantage of this principle.

Although I have never carried the title of “trainer” as a supervisor, manager, or an employee hoping to help someone else get ahead, I have trained hundreds of people in dozens of areas. Often, the lessons I taught to others were taught the hard way by trial and error for me. The desire to make learning easier for someone else makes me want to discover how to help them catch what I am throwing at them. This is how it should be done in the workplace.

The truth is that many are afraid to instruct others in what they know. They believe their job security depends on no one else knowing as much about their job.

On other occasions, we want to pass on knowledge, but do not know how because our school was hard knocks. We learned by doing and believe others will also. On-the-job training is good, but why shouldn’t those with more experience guide the newbies? Show them the things you tried first that did not work. Tell them why you do it the way you do and all the other methods that are not as good. These stop wasting time and effort.

If they listen. That leads us back to the title of this article. No one can teach you what you do not wish to learn. If you are stubborn and will not take instruction, you are doomed to repeat other mistakes and be thought less of.

When your trainer takes the time to show you their errors, you don’t have to repeat them. Hopefully, you will not be greeted with the worst of all educational philosophies, “Because I said so.”

It is time to take your company to the 21st century. Write a procedures manual that includes every process in your business. This is one of the requirements for all major companies. Certifications that multinational companies must maintain to bid on government contracts require this manual. Start with this item and see where it takes you.

How do you train?

June 29, 2025

Training is critical to job performance. It is one of those items that is taken into consideration with each new hire. Training is another cost for a new employee. If your company does not calculate this factor, it is still costing them money to train people for positions and functions.

The best way for most of us to learn is to be shown a task and then allowed to perform it until we are comfortable with it. The individual we are training sets such things as the number of repetitions needed, the amount of background knowledge required, and supervisory aspects. No two employees are ever the same, even if they are similar in some characteristics.

Over forty years in business in the office, out in the factory or shop, and everything from a line assembler to the operations manager, I have learned how to train and that many people are not naturally suited to train or be trained.

Three areas need to be looked at to ascertain that a company has adequate training. Does corporate management provide training guidelines? Do they provide the man (or woman) hours and equipment to allow for excellent education of job functions? Does middle management oversee the process thoroughly? If any of the answers to any of these questions are no, an employee may be lost due to a lack of training.

In some cases, higher-ups assume that the training takes place at the lower levels. That assumption is often incorrect. Top executives do not train; however, they need to guarantee that each level below them knows their responsibilities for advancement in the job performance of all under their authority. An office manager, branch manager, supervisor or foreperson should be held responsible for all those who are under them.

Training takes time away from daily responsibilities for both the new employee and the trainer. Other associates need to accept the extra load for those involved in providing proper training. If equipment needs to be used to learn, it should be provided. Often, special training centers can be assembled to give ongoing refresher courses in newly introduced functions. When you want an employee to learn new software, you must give them the time with that program and a trainer to accomplish the task.

Now we are back to the managers and supervisors for the oversight of all functions. A cursory glance at production or other work is not enough to determine if everything is going as planned. Quality inspection of work is required. Time and money are saved because these tasks are given proper emphasis.

One of the best tools I found at many of the companies I worked with was the procedures manual. This is a book of operations that are required for every employee to accomplish their assigned tasks. I’ve written and used these texts often. They are one more tool for training.

The Lottery is my retirement plan

June 4, 2025

Is this your attitude to estate planning? Do you play the lottery in your state or wager in other ways regularly? In my state of Missouri, the lottery began on January 20, 1986. Do the math. If you purchased one ticket each week from that day to this, you would have spent over $2,000. That does not sound like much over thirty-nine years.

I know some people who “invest” ten or twenty dollars out of each paycheck. That puts you out of pocket up to more than $20,000. Check the lottery website for your state. Statistically speaking, if you put that amount in the bank for the same period, you would still have the money. It would be earning interest.

Do you have that much in your retirement fund? Why not? Ten dollars a week is less than one meal out at most restaurants. Do you smoke, or drink coffee, sodas, or beer? Could you give up that much of those for your future? We don’t think about it that way.

If your employer offers a matching plan on a 401k account of up to four percent of your annual wages like mine did this would take away about $2,000 each year from your salary. They added that to my investment. I quit buying vending machine food at work and saved that much. I could pay my bills with forty dollars less each week. That would be $90,000 by the time you retire. Add the interest to that.

Remember that some accounts compound interest daily. At 5% in 45 years, you would have more than double what you put in, as interest in your investment. The amounts will vary. Check with your company or bank for a return on what you can afford. I think you will be surprised. A financial planner can help you as well. Make sure you get their charges in writing before they receive your money.

Some people will offer unheard-of returns from speculating on a wild shot. These are usually no better than the lottery. Before-tax money may not be the way you want to invest. That money may not be able to be removed before you reach a certain age.

The mantra to remember is to start early in your career and invest what you can from every paycheck. Most of us do not start saving on our first part-time job in high school or college. A friend of mine taught his children by buying them a used car when they turned sixteen. He and his wife required a payment like a loan company would charge on that purchase each payday. When their child decided they needed to finance another vehicle they would give them a check for the money that had been paid to them plus the interest earned at the bank.

That amount was how much the next purchase could be. These students learned it was better to pay themselves and let the bank pay them than pay interest to loan companies. I wish my parents had done that for me.

Think about how you spend, invest, or waste the money you earn. Wisdom does not have to come with age. Begin wisely and things will get better for you as your responsibilities increase. Do not learn it the hard way like I did.

CUSTOMER SERVICE

May 23, 2025

Twenty-five years working for a power transmission distributor starting in purchasing, going to sales both inside and outside, and taking the office manager position which led to the operations manager, has put me in a unique place to know what customer service should be and what it usually is not. What we strive for is treating the one we are serving in a way that would be pleasing to ourselves, if in their shoes. That is the Golden Rule. “Do to others as you want them to do to you.” (Matthew 7:11-13)

I say we strove for that knowing that often that high peak is not attained. The difficulty there was in recognizing what was needed to please the one we served, not in identifying who the customer was. In purchasing it may appear that we do not need to supply customer service because we do not have any customers. My philosophy is shared by many in the purchasing profession. Our customers are those who have requested products or services ordered by us.

We indeed work for the same company they do. It is also true that not respecting the person and delivering the needed outcome may adversely affect our employment status. Aside from the possibility of reprimand or even termination, I strive to deliver my “customers” the best service I can because my work is to be “as unto the Lord”. (Colossians 3:23-24)

I never had a job title of customer service representative (CSR). One of my managers referred to me as the best CSR in his region. He pointed out to me that I was not one of the best salespeople. That disqualified me for being given a position that was considered a sales job. My title at one point was sales service specialist. This was what others called a salesman.

One radio host is well known for talking about customer no-service. What he wants us to realize is that companies we deal with do not put service ahead of getting the order. This manager of mine showed me that the most important part of what our employees did was to close a deal. Service was not important.

This was the same company that issued business cards that had sales service specialists on them, not salespeople. I call this hypocrisy. This is saying one thing but doing the opposite. I left that company and returned to purchasing and retired as a purchasing manager almost twenty years later.

Instead of overseeing delivering the best service for a company I became the one that judged if this business and others employed those that gave the quality of product and service that I had proven that I would give. I believe the customers lost on that transaction.

ARE YOUR EMPLOYEES HAPPY?

May 5, 2025

The first part of this article is aimed at management, including owners, managers, and supervisors. The last section is for employees, so before you yell too loud and long at what they are being told, wait for yourself.

I have always been an employee of someone else. While I have been in middle management and supervisory positions, I have never been the owner or top boss. I have had good and bad bosses. I have also seen good and bad employees. I believe there are many reasons for dissatisfaction in companies.

Failure of management to consider employees’ circumstances. My first job was at a fast-food drive-in. I was a fry cook. The owners demonstrated how a boss can be a mentor, friend, and second parent. They allowed me to be a shift manager as a high school student. They worked with all their student employees’ school schedules. We were required to tell them the dates we needed off as soon as we could.

Inability to admit that you made a mistake. This is a problem for employers, management, and employees. If you are tasked with correcting mistakes that are made, please confirm if the error is yours. If it is not, can you find time to point out the problem to the one that caused it without shaming? This is a major complaint. The boss calls out other’s mistakes but never mentions their own.

When I talk about shame, I mean bringing these mistakes up in a meeting with others. If a manager does not who caused an error, he should do his diligent research. There is usually a way to find out who worked on the project. Ask each participant what their assigned tasks were. Do not ask, “Did you make this error.” The answer will usually be no.

I’ve been the one blamed for problems when I was not even involved directly. I investigated and determined where the mistake was made and spoke directly with whoever needed the refresher course. Seldom was it necessary to take it to a higher authority. At times the offender would not admit responsibility. Those were the times I simply instructed multiple people on how to complete the task correctly. This solved the problem.

No one is perfect. We must all accept responsibility for our blunders. I once had a boss tell me I spent to long on a drive calculation I was doing for a salesman. They said a mistake would not kill anyone. When I told him what had been said he emphasized to me that it was for a manlift. A mistake could endanger someone.

Computer illiteracy

April 6, 2025

The picture was ancient. Two nice-looking girls were sitting at manual typewriters in a school room. You knew it was old because it was black & white, and their clothes were vintage. My comment to the question on Facebook, “Do you remember this?” was, “Yes, I am the guy behind the two girls.” Slightly out of focus, a young man with horn-rimmed glasses and a white shirt was in the background. He was your typical nerd from the fifties and sixties. You couldn’t see his pocket protector, but I’m sure it was there.

My keyboarding career started that way. Typing class in high school. A few guys. Mostly girls were getting a head start on their stimulating careers in the secretarial field. Today, I am using a laptop to write. That class at Hillcrest is not typing but keyboarding, and it will soon die because no one gets to high school without being able to use a keyboard. Most get that education in kindergarten.

Computers first came to my attention in grade school. It was the Univac that I saw in magazines and books. Then there was the IBM monstrosity that NASA used to compute trajectories for the Mercury missions. I never knew what a computer really was until I saw “Secret Treasures”. Who knew that people used to be called computers? We just called them smart kids.

Our first computer keyboard was on a Texas Instruments device that was smaller than my first AM radio. Then came the Commodore, the Atari, and the 86-format machine. That was the first with minor connectivity and its own monitor. The rest plugged into the TV like your first video game. My first video game was brother Bud’s Pong.

My first purchasing position came with a brush with computing. The owner of the company had been looking into computerizing accounting, purchasing, and inventory control. For six months, I was tasked with designing and assigning unique part numbers for each of our products. I spent many extra hours and was not present when the machines were put into operation.

My second shot at a business in purchasing was again before that location had computers. The corporation had computers at both major warehouses. I was intrigued that their part number system was like the one I previously designed. When we had terminals installed at our branch, I enjoyed the time savings that the system brought.

I was also glad to see the inventory card system be moved out as well as the billing machine. Inventory, billing, and purchasing were done on the terminals. It was several years later before I had a personal computer on my desk at work.

Where does computer illiteracy come into? I am a baby boomer. I’ve never had problems with any electrical or electronic gadget. Currently, artificial intelligence seems to be the problem area. I’ve worked with AI since I used my first digital calculator.

Mechanical calculators used gears, cams, and other mechanical devices to make sums, multiply, divide, and subtract. If you have never seen one, go to an engineering museum. Science fiction writers have predicted that computers and robots would take over our world.

In the late 1990s, some thought that life as we knew it would end on January 1^st of 2000. Computer chips originally could not go beyond 1999. Programmers got with the plan, and we were ready on December 31. Now we need to figure out how to do things on paper again. We may never experience an EMP event that is currently being predicted, but just in case, keep pencil and paper handy.

Charles (Chuck) Kensinger

Walk With a Servant

Category: Business Strategies