Tips for Successful Floor & Wall Tile Installation With No Lippage

Many contractors contact NTCA technical advisers regarding acceptable tolerances for floor tile installations, but our trainers also tell us that with the increased use of large format tile being specified for walls, it is becoming increasingly challenging for tile contractors to successfully install these products without lippage. Contractors should be aware that the tolerances for both floors and walls are the same, and that this issue should be addressed before installing the tile.  Many applications in dry areas are to be installed directly over gypsum board or drywall, and there is little opportunity with the adhesive to make up for imperfections in the surface. Lighting can also wreak havoc on a tile installation on a wall, making the edges appear to be even more uneven and imperfect. Industry tolerances for both floor and wall tile applications state that the substrate should have a maximum variation of /14” in 10’ from the required plane, nor more than 1/16” in 12” when measured from the high points in the surface.  If a builder wants a tile installation to be flush with no or minimal lippage, they need to make sure the framing and drywall contractors are delivering a surface that meets tile industry tolerances.  If the tile contractor doesn’t check for this, and accepts the substrate as is, they run the risk of having a serious issue take place that can cost everyone money and time.  

For more information on this subject, you can order the TCNA Handbook or ANSI A108 Book for tile installation on the NTCA website at www.tile-assn.com

Tech Tip: Ask NTCA Technical Trainer Robb Roderick

Q: Are there any standards or situations where it is acceptable to install ceramic tile over gypsum wall board and not a tile backerboard?   

A: There are two methods in the Tile Council of North America handbook for installation of tile over gypsum board. Method  W242 which employs organic adhesive for a setting material. And Method W243 which employs the use of thinset mortars that meet ANSI 118.1 or 118.4 or better.

In W242 (organic adhesive method) in the section preparation by other trades it states ” The maximum allowable variation in the tile substrate is 1/16 of an inch in 3′ with no abrupt irregularities greater than 1/32″. Both methods specify the gypsum board is to be installed according to GA216.  ” Treated with tape and joint compound with bedding tape only( no finish coat) Nail heads, receive only one coat.

In Method W243 (thinset method) it states ” Maximum allowable variation in tile substrate for tile with edges shorter than 15″ the maximum allowable variations is 1/4″ in 10′ from required plane with no more than 1/16″ variations in 12″ when measured from the high point of the surface. For tiles with at least one edge 15″ in length, maximum allowable variation is 1/8″ in 10′ from the required plane, with no more than 1/16″ variation in 24″.

So there are many standards depending on the type of tile and adhesive you are using.

Business Tip – April 2017

Your journey to emotional ownership

by Ed Rigsbee

Pain and pleasure are such close cousins.  In life, it’s painful not to experience pleasure.  Too often though, it’s the holding on for dear life to familiar pain that keeps us from having what we say we really want.

In 1988 I joined the National Speakers Association, a trade group for professional speakers.  No, I wasn’t a speaker yet, but I wanted to be.  I had closed down my manufacturers’ representative company to accept a position of vice president for my principal manufacturer. Two years later, I found myself without a job.  It was now time to fish or cut bait.  Was I going to pick up another line and go to war with the manufacturer that fired me or was I going after my dream?  I went after my dream.  A decade later, I’m a nationally recognized keynoter on business alliances.

This experience, for all of the pain and pleasure, has yielded a path, my path to emotional ownership.  Since discovering this path, I have interviewed several business leaders and found that my path was also theirs.

Whatever pleasure you seek; there is usually pain in the way of having that pleasure.  I believe this path is also your path to the emotional ownership, of staying the course to having what you want in your life, both personal and professional.

In your personal and professional life you continually have challenges.  Challenges without solutions or answers generally cause extreme pain.  To solve or remove this pain, you must either move into action or simply do nothing and hide out.  Action means possibilities. Doing nothing is a formula for failure.  Doing what you have always done and expecting different results is called experiencing insanity. Nobody intentionally wants to be insane.  You will succeed at what you want through understanding and remaining on your path.

What is your challenge?  What would you like to do you are currently not doing?  What major decision would you like to make?  Your first step will be to think up ideas on how to deal with your challenge.

1. Idea:

Some ideas are gold and some are worthless. You must constantly seek possibilities to your challenges.  Earl Nightingale would sit with a yellow pad thinking of solutions to his day’s challenges every morning before the rest of his family awoke. Dr. Robert Schuller’s idea of possibility thinking is to list no less than 20 ways to solve your challenge.  His 20th is how he started the church that is known today as the Crystal Cathedral.

2. Excitement:

When an idea crystallizes, excitement sets in. Your view of the challenge is like a world of possibilities.  All is right as you are moving closer to dealing with your pain.

3. Hope:

Hope is the apex.  Hope without how will get you nowhere.  From this pinnacle the slow degrade begins.  As the reality of the challenge sets in doubt begins.  Unfortunately, at this point, hope turns into nope!

4. Reality:

When the reality of the steps, work and pitfalls involved in creating a solution set in, a feeling of hopelessness is not far behind.

5. Desperation:

Many people are living lives of quiet desperation.  Even people who are moderately successful find it difficult to make a new decision that would position them for greatness.  When the pain is at a level so high that anything else must be better, the point of decision is near. This is where tension can help you to mobilize, but too much tension can immobilize you.

6. Purpose:

Clarity of purpose allows you to see and understand the value of your struggle.  You must know you are playing in the right sandbox and for the right reason.  Now comes the promise of success.  Through example or belief, you now know success is possible and you can make a decision to go for the success.  If you are off purpose, are settling for less or see your world from the window of scarcity, you might make the decision of indecision and only move toward failure.

7. Decision:

The decision to move forward or to make no decision, the choice is yours. Knowing what to hold on to and what to discard is crucial to your well being.  This is where your emotional ownership comes alive.  No decision, no ownership and a continual decline.  Yet, with a new decision, all becomes possible.  Look for your emotional strength and security rather than comparing your self to what is not real. Be cautious of not falling into the impostor syndrome, thinking that you are not really good enough.  Look for your moments of decision. A friend quit drinking, and I ask him about his moment of decision.  He told me that it was one night while he was hanging out his second-story bathroom window, about to fall out and in a drunken stupor and realizing that he should change his life.  He said that he knew if he didn’t make some changes soon, he would no longer have a life.

8. Paying the price and taking risk:

This is the truth detector.   This is the point on your journey where you must internalize the intellectual ownership of your decision.  You must be willing to pay the prices.  Nothing good is free.  Having a track record of previous success and concrete examples of other successful person’s journeys will help.  It’s now time to stick your neck out!

9. Getting help:

Relationship building at its finest.  Nobody goes it alone.  Every successful person seeks help.  You may end up with some unlikely partners; especially people that can help you connect with your inner strength.  Receiving help connects you back to all your previous steps.  Also, you must accept help in anchoring back to your moment of decision.

10.  Accepting success:

Self-confidence and self-worth go hand in hand.  Accepting that you are worthy of success is key. When you have completed your journey to Emotional Ownership, you do it all over, repeatedly.  Additionally, you must realize that you are currently at different steps in different aspects of your personal and professional life.

Every day you are starting another journey in a different area of your life; personal and professional. Your journey always comes full circle; you can never just sit back because another phase of your total life journey is about to start. Enjoy your journey.

Ed Rigsbee is the consummate evangelist for member recruitment and strategic alliance success. He holds the Certified Association Executive (CAE) and Certified Speaking Professional (CSP) accreditation. Ed is the author of The ROI of Membership-Today’s Missing Link for Explosive Growth, PartnerShift, Developing Strategic Alliances, and The Art of Partnering. To his credit, he has over 2,500 articles in print and countless articles electronically published.
Ed is the Founder and CEO of the 501(c)(3) non-profit public charity, Cigar PEG Philanthropy through Fun, and president at Rigsbee Research which conducts qualitative member ROI research and consulting for associations and societies. He has been called “the dynamite that broke up our log jam” by association executives—rarely politically correct and almost always provocative—and from a dozen years as a United States Soccer Federation referee, Ed calls it the way he sees it. Exceptional resources at www.rigsbee.com.

Business Tip – March 2017

Riding Shotgun

by Connie Heinlein

Connie Heinlein is the wife of NTCA technical trainer Mark Heinlein. She accompanies him all over the country and assists him as he gives workshops, participates in trade shows and conferences (many of Mark’s great photo documentation of his workshops, and people and places he visits is due to Connie’s photography skills). Here she shares her perspective on the value of NTCA, as she, “rides shotgun” with Mark. Follow her and Mark’s adventures on Facebook. – Lesley Goddin

Connie Heinlein (center) at the Mechanicsburg, Pa., workshop earlier this year at Daltile. With Connie are: (l. to r.): Scott Carothers (CTEF/NTCA); Todd DeKorte , MAPEI; Tim Phoenix , Daltile; and Dale Kreider.

I spend a lot of time riding in the passenger seat of the NTCA van, traveling all over the country to workshops and trade shows with my husband Mark. Much of that time I watch out the window as the country passes by—rolling hills in Pennsylvania, corn fields in Iowa, mountain vistas in Montana, farms with red barns everywhere, and the ubiquitous truck stops. Sometimes I read or listen to the radio. I never sleep because I don’t want to miss anything.

Most of the time I can’t help but listen in on Mark’s phone calls –what he refers to as the “Heinlein Hotline.” He gets a lot of calls from NTCA members and non-members alike. Most of them have a tile crisis. Some just want to chat. I am not always very interested in the conversations

Connie is a jill-of-all-trades; here she assists Mark in putting education sponsor logos on the new NTCA van she and Mark will be driving all over the country this year.

although I have learned a great deal in the past year about many aspects of the tile industry. I know all about mortar coverage and substrate preparation; I understand the basic complexities of a tile installation; I know that a tile job can fail for many reasons. Before I retired last year from my job teaching high school English, I never thought about mortar and grout and did not know the difference between NTCA and ANSI and TCNA.  But like I said, I’ve learned.  Tile is pretty interesting—maybe not as fascinating to me as literature and grammar, but pretty interesting. All that tile-related chemistry, physics, math and technology makes for some brainy stuff.

So anyway, I often listen in on Mark’s calls. — sometimes I even pipe in if it is someone I met along the way like a new member who joined at one of our workshops, or Mark’s boss with a  “Hi Jim.” Some of the calls are quick; an answer that Mark can rattle off easily. “What is the allowable lippage for such and such?” or “When is Coverings?” Most of the calls involve difficult situations and complicated questions. I remember one from a few months ago about a swimming pool deck that involved multiple calls and research.

Several months ago Mark got a message from a guy in Detroit who wanted to get some experience in setting tile.  He said he loves the tile business and hopes to become certified but needs an opportunity to learn more. The guy asked Mark if he knew of anyone who might help him. I thought that was a pretty big request, that perhaps Mark would diplomatically give the guy some direction toward training materials or an on-line program. I admit now that I underestimated my husband. He spent quite a lot of time with the guy—I now know his name is Alaa Waleed—and discovered what he was looking for and got a sense of his seriousness about learning.  Mark told Alaa that he would think on it, and see if he could come up with someone who might be interested in taking him on.

Alaa Waleed on the job. A connection with Mark Heinlein helped find him work, and Alaa was eager to learn about tile.

Some time passed. We went on a couple more trips. I forgot about Alaa Waleed. Mark did not. He had contacted his friend Phil Kozey about Al. Phil is a great guy, an excellent tile contractor, an NTCA State Ambassador, and fellow Michigander. Phil lives downstate. Mark and I live in the Upper Peninsula. We refer to any part of Michigan that lies below the Mackinac Bridge as downstate and we say it with a bit of sympathy, but oh well, not everyone can be a Yooper. But I digress.

Back to Phil Kozey of southern Michigan. I do not know all of the particulars about Mark’s communications with Phil. I think that during this time Al called and messaged Mark a few times and Mark called and messaged Phil. We all know how these things can go. Life is busy. And then out of the blue one day in March, we were driving on the Ohio turnpike and Mark’s phone chimed that he had a message. He asked me to open it. After all, I was just sitting in the passenger seat, riding shotgun, and staring out the window. The message was from Phil Kozey. Here is what Phil said:

Let me tell you about this guy that we spoke about that said he wanted to learn tile.  He is one of the nicest, eager-to-learn guys I have ever met in my life. After working his butt off for five days straight my

Mark and Connie Heinlein take a pit stop at the Summit Diner in Somerset, Pa., on their way from Mechanicsburg to Pittsburgh.

father handed him a paycheck. An hour later he pulls me to the side and hands me back the check and says I cannot accept this. It meant a lot to me that he was actually there to do nothing but learn and did not want to make any money, but I aggressively refused… and made him take the check.

He came in knowing absolutely nothing, but he is a quick learner and takes great direction and I really think it is going to be a long friendship between me and Al. I just wanted to say thanks for linking us up because it is an honor working with him. 

Of course, after reading that message, Mark immediately called Phil and I listened in on the conversation. Phil told Mark about how he eventually contacted Al and what a terrific person he is and how he is going to make an excellent tile guy.  It turned out to be a heartwarmingly human story about motivation, talent, kindness, and of course, tile. I don’t know the conclusion to this story yet. I do know that Phil and Al are now friends and that Al has a future in the tile business. I’m proud of Mark’s role in helping make this connection between two good men, and I am proud to be a small part of this NTCA world where stories like this happen all the time.

NTCA Technical Trainer Robb Roderick on Tile Installation in Elevators

There is no method for installation of tile on an elevator floor in our industry guidelines.

The elevator cabs chosen for some construction projects are not designed for tile or stone floor finishes. The manufacturer of these elevator cabs will list acceptable floor finishes that usually only include soft goods such as vinyl, carpet, and wood products. In order to be considered for tile or stone the substructure should be constructed in such a way as to not to deflect or “bend” more than a small amount under a concentrated heavy load. There are elevator cabs that are designed to meet these minimum requirements but they are usually much more expensive so they are not chosen in most construction budgets.

   

 

 

 

 

 

 

As for installing tile in these most common elevator cabs that are not designed for such, it is risky and not recommended.

There are products available that may reduce the risk of cracking tile and grout joints such as epoxies, but the warranties come strictly from the manufacturers.

OSHA RECORD KEEPING RULE OVERTURNED BY HOUSE AND SENATE

Compliance Guidelines Regulations Concept

On March 23, the Senate joined with the House vote of March 1 to reverse the Occupational Safety and Health Administration’s (OSHA’s) recent recordkeeping rule that would extend a six-month statute of limitations on recordkeeping violations to a period of five years.

The Occupational Safety and Health Act of 1970 established that employers must keep accurate records of employee injuries and illnesses for five years and that OSHA has six months to cite an employer for a violation. The new five-year recordkeeping rule was enacted among concerns that employers may underreport workplace injuries to suppress worker compensation insurance costs, maintain eligibility for government contracts or lower the possibility of OSHA inspections.  Detractors held that the recordkeeping required burdensome recordkeeping practices and would open businesses up to fines. OSHA’s five-year term went into effect on January 18, but has now been overturned by both the House and the Senate.

When this legislation is signed into law, OSHA will still be able to issue a citation for recordkeeping paperwork violations up to six months after they occurred and employers will still be obligated to record injuries as before. But OSHA will no longer be able to issue a citation five years after the occurrence. 

 

Business Tip – February 2017

Top 5 tips to avoid ambiguity in construction contracts

By Yasir Billoo, partner at International Law Partners

Avoiding ambiguity should be a primary goal when drafting and negotiating construction contracts. This helps ensure that you get what you want, including the bargained-for benefits of the contract, smooth contract administration and fulfillment, and avoidance of lengthy and expensive legal disputes. Follow these five tips to minimize ambiguities:

1. Keep it simple.

Keep your writing simple, clear and concise. Construction contracts are read and interpreted by a wide variety of people, including judges with no knowledge of the construction industry. Using plain English and shorter sentences while avoiding legalese and redundancy will make your contracts easier to read and understand.

2. If it’s part of the agreement, include it in the contract.

If a contract appears complete and comprehensive on its face, courts will prohibit the use of other documents to give meaning to the parties’ intentions. Statements made during pre-bid meetings or negotiations will not be effective in contradicting express terms in the contract. Include all terms of the deal in the contract, or incorporate key documents by reference.

3. Define key terms.

Courts give ordinary terms their ordinary meanings and technical terms their technical meanings. But the meanings of words cannot be divorced from the context in which they are interpreted, and parties often disagree on what terms mean in certain contexts. To avoid disputes, capitalize and define terms to attribute specific meaning. Then use the capitalized term as needed throughout the contract.

4. Include an order-of-precedence clause.

Because numerous documents make up construction contracts, conflicts may arise between requirements contained within the documents, such as the drawings and specifications. One way to address these conflicts is to include a clause providing that in the event of a conflict, the specifications take precedence over the drawings, or that contract documents take precedence according to a prescribed order of hierarchy. You may also wish to include a provision stating that what is required of any contract document shall be binding as if required by all.

5. Make proper use of standard forms.

Standard-form agreements such as AIA and ConsensusDocs are commonly used throughout the construction industry. However…there are risks with using such forms because they are written broadly, they may contain terms that are inapplicable to the transaction at issue, and parties often use such forms without fully reviewing them. Even if both parties orally agree to terms that differ from what is written, oral understandings will yield to written agreements, so it is important to read all the terms before using standard-form agreements. Add terms you think should be included in the contract and delete terms that are inapplicable.

Yasir Billoo is an experienced attorney in the areas of business/commercial contracts and litigation, real estate transactions (and title services) and litigation, intellectual property litigation, employment and labor, and civil appeals. Yasir’s experience ranges from representing large Fortune 500 companies in complex litigation and appeals in state and federal court, to helping small business owners with simple agreements and legal consulting.

Yasir earned his law degree from Nova Southeastern University in Ft. Lauderdale, Florida, and was admitted to both the Florida Bar and the California Bar in 2004. He is admitted to practice in all courts in each of these states.

Yasir earned dual Bachelors Degrees in International Relations and Communications from Florida International University. While earning his Juris Doctor, he was a member of the Jessup International Law Moot Court team and on the Board of the Journal of International and Comparative Law. A native of Karachi, Pakistan, Yasir, speaks English, Spanish, Urdu, Hindi and Memoni.

Prior to practicing law, Yasir managed the finances of a group of Central American companies, handling complex international financial transactions.

Yasir currently serves as a Hearing Officer for Miami-Dade County’s Commission on Human Rights, where he presides over appeals of initial determinations in cases where discrimination is alleged.

Yasir is a member of the prestigious invitation-only International Association of Defense Counsel (IADC). IADC has been serving a distinguished membership of corporate and insurance defense attorneys and insurance executives since 1920. The IADC membership is comprised of the world’s leading corporate and insurance lawyers and insurance executives. They are partners in large and small law firms, senior counsel in corporate law departments, and corporate and insurance executives. Members represent the largest corporations around the world, including the majority of companies listed in the FORTUNE 500. Reach him at intlawpartners.com

BUSINESS TIP – JANUARY 2017

IRS continues to enforce “reasonable” sharehold-employee salaries

 

 

In the ceramic tile industry there are many small businesses which may be Subchapter S Corporations, since there are many appealing tax benefits while still providing liability protection to the shareholders. If you’re a shareholder-employee of an S Corporation, you more than likely considered the tax advantages of this entity choice. But those very same tax advantages also tend to draw IRS scrutiny. And the agency has made clear that its interest in S Corporations – including possible audits – will continue. The IRS focuses on determining whether the salary of the shareholders is unreasonably low. The tactics listed below will help protect your company from this IRS examination.

 

 
What’s the problem?
The IRS pays particular attention to S Corporations because, as you well know, shareholder-employees of these organizations aren’t subject to self-employment taxes on their respective shares of the company’s income. This differs from, say, general partners in a partnership.

 
To better manage payroll taxes, many S Corporations minimize shareholder-employee salaries (which are subject to payroll taxes) and compensate them mostly via “dividend” distributions. If this holds true for you, the IRS may take a close look at your salary to determine whether it’s “unreasonably” low. The agency views overly-minimized salaries as an improper means of avoiding payroll taxes.
If its case is strong enough, the IRS could recharacterize a portion of distributions paid to you and other shareholder-employees as wages and bill the employer and/or employee for unpaid taxes, interest and possibly even penalties.

How do you define it?
By following certain guidelines, your business can ensure salaries paid to you and other shareholder-employees have a higher likelihood of meeting the agency’s typical standards of reasonableness.
For starters, do some benchmarking to learn how S Corporations of similar size (as indicated by capital value, net income or sales) in your industry and geographic region are paying their shareholder-employees. In addition, pay close attention to certain traits held by your shareholder-employees. These include:
Background and experience
Specific responsibilities
Work hours
Professional reputation
Customer relationships

 

The stronger these traits are, the higher the salary should be in the eyes of the IRS. Shareholder-employee salaries should be fairly consistent from year to year, too, without dramatic raises or cuts.
For more in-depth information about the particulars of S Corporations, visit https://www.thebalance.com/the-s-corporation-your-questions-answered-397844 or http://tinyurl.com/hp2qwna.

 
CTDA helps you succeed in your business through a variety of programs and services that include educational opportunities, webinars, and discounts on shipping, client collection services, telephone charges, auto rentals, and more. CTDA offers networking and relationship-building opportunities through participation in Total Solutions Plus all-industry conference and Coverings annual trade show. Membership in CTDA also increases your national exposure and gives you access to the annual membership survey, a valuable resource to evaluate your company in terms of profit improvement, employee compensation, distribution and company performance. The CTDA website, CTDA Educational Opportunities, Weekly Newsletters and TileDealer Blog are all free resources that will “keep you in the loop” as well. CTDA is always looking for ways to improve the benefits of membership. To learn more about membership, please contact [email protected] or 630-545-9415 visit the website at www.ctdahome.org. Like CTDA on Facebook and Twitter @Ceramic Tile Distributors Association (CTDA).

Business Tip – December 2016

mapei_sponsorObamacare: the road to repeal

By Pat O’Connor,
Kent and O’Connor, Washington, D.C.

pat-oconnor

For the past six years, “Repeal Obamacare” has been a potent mantra, a rallying cry that energized Republicans and turned out voters. The Republican-controlled House churned out repeal legislation on a regular basis, passing over 50 repeal bills! Yet, with President Obama’s veto pen always looming, repeal was never going to happen and everyone knew it.

Only now, with the stunning upset victory of Donald Trump for president, is repeal of the massive and controversial health care bill suddenly real. Republicans control the White House and both chambers in Congress. The expectation for bold action from the Republican base is very high. Does this mean repeal of Obamacare will be a done deal in the first 100 days?

Not necessarily. In fact, the road ahead for Obamacare repeal is complicated.

Practical realities

First are the practical realities of the legislative process. Republicans are in control, but they don’t have the 60 votes needed in the Senate to overcome a filibuster, a tactic Democrats would emphatically employ to block any repeal legislation.

Of course, Republican leaders can get around this by repealing key parts of the health care law through the “budget reconciliation” process, a special procedure that only requires a simple majority vote. (That is the same process used by Democrats to pass The Affordable Care Act [ACA] in the first place.) Still, budget reconciliation takes time, requiring passage of budget resolutions and other procedural niceties, and it does not allow for total repeal. While it is a likely vehicle for ACA repeal, it will be neither quick nor clear cut.

Executive and administrative options

Legislative avenues aside, the new president will have any number of administrative options to block, change or suspend key elements of the law. For example, he can cut off funding for cost-sharing subsidies to insurers (which did not have explicit appropriations and is being challenged in courts by House Republicans). Experts agree this action alone would shut down the health exchanges. Or, he could simply stop enforcing penalties for the individual mandate or for employers who fail to provide affordable coverage.

Then what?

Yet, any of these paths to repeal or cripple the ACA ignore a fundamental question: Then what?

For good or ill, the ACA has taken root. It touches the lives of every American. The entire health care industry – from hospitals to doctors to insurance companies and other providers – has adapted and reshaped dramatically in response to the health care law. Twenty-two million people depend on Obamacare for their health insurance. Will a new President Trump really want to begin his presidency stripping health insurance from millions of Americans and upending one-fifth of the economy?

That’s why the “repeal” chants shifted to “repeal and replace” over a year ago – a subtle acknowledgement that something has to take the place of Obamacare. But up until now, “repeal and replace” has been little more than a slogan, with only the broadest outlines of what the replacement might be and little analysis of the impact. As a result, Republicans are split over what direction to take. Some want immediate repeal, others see a more deliberate approach as necessary to avoid major upheaval for both insured individuals and insurance markets.

The model for “repeal and replace” can be seen in the plan passed last December by both the House and Senate through budget reconciliation (and vetoed by President Obama). It eliminated the expansion of Medicaid coverage for Americans near or below the poverty line, eliminated the subsidies for Americans to buy their own insurance on the ACA exchanges, eliminated the penalties on individuals for not being insured and on employers for not providing affordable coverage. The measure delayed the effective date for two years to allow Congress to figure out the “replace” part of the equation.

This template reveals a simple truth: dismantling Obamacare is easy – whether through Executive action, budget reconciliation or a combination of the two. The daunting political and policy challenge is finding an alternative that works.

President-elect Trump says he wants to preserve the two most popular features of Obamacare: guaranteed coverage to people with pre-existing conditions (without being overcharged) and allowing young people up to age 26 to be covered on a parent’s plan. Yet, the guaranteed coverage provision is costly to insurers and without the other interconnected carrots and sticks (such as the individual mandate and the premium subsidies that brings healthy patients into the marketplace), premiums will spike, potentially leaving insurance markets in even greater disarray. This is the conundrum that Trumpcare, like its predecessor, must contend with.

Companies should remain cautious as they look ahead, allowing events to unfold before deciding on a change in benefits strategy. No doubt, Obamacare is on its way out. But don’t be surprised if it lingers a bit longer than expected.

Pat O’Connor is a principal in Kent & O’Connor, Incorporated, a Washington, D.C.-based government affairs firm. A veteran of Capitol Hill with particular expertise in health, transportation and the environment, O’Connor works with trade associations and companies to find workable solutions to the most pressing regulatory and legislative issues. For more information, visit www.kentoconnor.com or call 202-223-6222.

Business Tip – November 2016

mapei_sponsorFalling forward – winning success from failure

By Marilyn Tam

“I have self-doubt. I have insecurity. I have fear of failure. I have nights when I show up at the arena and I’m like, ‘My back hurts, my feet hurt, my knees hurt. I don’t have it. I just want to chill.’ We all have self-doubt. You don’t deny it, but you also don’t capitulate to it. You embrace it.” – Kobe Bryant

marilyn-tamPatty doesn’t just walk into a room, she takes it over. She stands tall, speaks with confidence and is always well dressed. She is friendly with everyone and remembers each person’s areas of interests and birthday. Is she actually good at her job? No one questioned it; all her colleagues assumed that she must be. Until one day she failed. Her division came in under plan for the year while all the other divisions surpassed plan in both profit and gross sales. Yet in the annual review and promotions process, Patty was one of the two people promoted. Falling forward, that’s Patty.

Do you know of someone like Patty? I worked with Patty early in my career and the lessons she taught me by example have been valuable ever since. Instead of fearing failure, she behaved as if success is hers to claim. She dove into new possibilities, took risks and came out of failure with innovative ideas on how to improve. Here are the key points that I gained from observing her on how to fall forward instead of down:

Be prepared – Patty came to work each day fully mentally and physically ready to shine. Confident, well groomed and happy to engage.

Be interested in others – you can learn from others, help them, have fun and gain a supportive network in the process.

Stretch – Say yes to the new assignment/project and then learn how to do to it. You can only improve if you take on new projects. Seek help and ask questions.

Don’t be afraid to fail – the fear of failure can hold you back from taking the risks that can advance your goals. Not trying is a recipe for guaranteed mediocrity in the long run because you can only advance if you move from where you are now. However, be aware that there is always potential for missing the mark, so prepare contingency plans in case they are needed.

Admit your mistakes – learn from them and use the insights to help you improve. The sooner you deal with what didn’t go as planned, the faster you can analyze what happened and use the new understanding to leverage the current situation to make things better.

Many people live life based on avoiding making mistakes. They are afraid of falling down, but actually you can fall forward! Patty is a great example of how you can turn seeming flops into winners. Greet each day as another opportunity to grow, improve and have fun. With a mind open to looking for possibilities for the good, you are already ahead in the game. In this autumn season, also known commonly as the fall season, dare to reach for more. You won’t fall down, you can fall forward!
Personal disclosure: I included some of the highlights of what I learned from Patty into my first book, How to Use What You’ve Got to Get What You Want. May you too gain from her shining example.

“I’ve come to believe that all my past failures and frustrations were actually laying the foundation for the understandings that have created the new level of living I now enjoy.” – Tony Robbins

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Marilyn Tam is an international selling author, speaker, entrepreneur, humanitarian and former CEO of Aveda, president of Reebok Apparel Products & Retail Group and vp of Nike and the founder and executive director of Us Foundation. She is a regular blogger on Huffington Post. Get free gifts and insights and find out about Marilyn Tam on her website, www.marilyntam.com/books.html or connect with her on Facebook. Her latest book, The Happiness Choice shows how you can live a life of happiness, health and success. It’s her way of giving back to the world for all the blessings she’s received. The Happiness Choice tells the stories and insights from Marilyn and many experts, including Jack Canfield, Joan Borysenko, Harville Hendrix, Arielle Ford and others, on how to live the life of your dreams. The book was ranked #3 top business book, and won the Silver Medal in the Global eBook Awards.

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