One of the thirds is fear, and Dave Ramsey, that common-sense monetary Einstein, has talked about this for the past few months and Bobby Ross, Jr., wrote a really good article about it and Ramsey's recent world-wide "Hope" town hall.

The other third, immoral businesses, is just as important as the other three. Oddly, it is the one most overlooked and the one most easily controlled on the local level. All it takes is six of the ten commandments.

V. Honor your father and your mother, so that they may live long and prosper in the land where God let's you live.
- A good capitalist business model looks at this commandment and realizes that they should pay attention to two different concepts: 1. The stockholders and bondholders are the fathers of the business. They have given of the fruit of their labor to make it possible for the company to exist. 2. The workers are the mothers of the business. Good mothers work unceasingly to make a family (company) successful.

If either is mistreated, you will only prosper in the short-run. In the end, your visible worth will shrink, and your workplace will become less productive. Cheating the stockholders hurts the business. Cheating the workers hurts the business.

VI. Don't murder.
- Simple enough? Not really. A good business model sees this commandment as a warning to beware of monopoly. Monopoly creates laziness. It engenders greed. It puts in play forces which cause outside regulation and eventual ruination of the market. Ponder the phone company - it had no reason to create a desire to use their product. They sought monopoly protection from the government and got it. They are now the dinosaurs of communication, playing on the fears of their dwindling customer base. This isn't about getting every honest dollar that's honestly possible. This is about the murder of your competitors.

Monopolies are beloved of fascists. Monopolies are what make fascism work. They are easy to abuse and, in the end serve only the fascist government, not the people who live under the thumb of the government, nor their customers of the monopolies.

VII. Don't cheat.
- The actual wording is a true commercial phrase which has been adulterated by bad linguists over time - many of them in various religions. Cheating customers, workers, partners, stock and bond holders kills a business, in the long run. Being honest on all these levels will not insure success, but being a cheat will most definitely cause the eventual failure of any business.

VIII. Don't steal.
- Stealing isn't just taking things from the workplace. It's expecting unrealistic earnings from a company or unrealistic work-goals for a business's employees. One of the worst abuses by management is the treatment of sales people - the great reward of a good sales person is the repeat business the sales agent creates. In later years, when territory growth declines, repeat business is a great comfort to the company sales agent. It is also too great a temptation for most sales management - fire the salesman, divide the territory between two younger, less accomplished agents at a much lower percentage. This is nothing more than common theft, and yet, it is the one practice that is rewarded most by thoughtless bosses of sales managers - a practice which kills long term company morale and production for short term gain.

Of course the most infamous thefts we hear of today are the unwarranted and gigantic salaries being paid to company executives who only increase company debt. A good corporate rule of thumb is: 1. The highest salary paid to any executive is ten times that of the lowest paid worker. A sanitation worker making $10.00/hr makes about $20,000 a year. That's $200,000/hr for the top executive. Do you know ANY top executive who works for just 200k? I surely don't. And frankly, most of the top executives I've met, are bleary-eyed, harried people who haven't the time to even think about the least paid worker in his/her company. These people even steal from themselves, not just their shareholders and consumers. You might justify a million or so on the same argument used by ballplayers - they have a limited time in which they are effective, but this is not so in the business world..

A lion is still a lion, even if he is old, and his earning power only grows. What is so ironic is that, of the thousands of corporations, the best CEOs don't work for the corporations which pay the most. Look at the CEOs of GM and Bank of America - if their productivity is any mark, they are insipid losers. Yet, they are paid hundreds of millions.. thousands of times greater than the sanitation worker in the same company.

Is it any wonder that the majority of small company owners and workers, the largest profit center in America, are dismayed that both recent administrations have rewarded the weasels and punished the industrious with their Keynesian rag-tag economic stupidity? No business is too big to fail, even if they have acted like cheap prostitutes to their bondholders, stockholders, sales agents, non-union workers, and consumers. As for unions, they are, by definition, thieves, and anyone who gives into them are as bad as they.

IX. Don't lie.
- We live in a political world of liars. Nancy Pelosi is only one, small example. The media lies every day, usually with half-truths and incomplete stories. Any government which lies to its people for any reason breaks this rule. Even the ACLU lies to itself in order to justify its anti-ethics, anti-freedom agenda. In business, it is critical that everyone in the company knows what is going on. The Army and CIA may do well on a "need to know" basis, but these are agents of war, where, as Sun Tsu affirmed, sneakiness is as important as guns or swords. Good companies don't need to be sneaky about their product, unless the patent office is corrupt, or they're cheating.

The extent to which a company shares the day-to-day business updates, hopes, goals, personnel news with ALL of its components - workers and stakeholders - the healthier that company will be, especially in bad times.

X. Don't covet.
- The most misunderstood of all the rules. When a government covets, it taxes. When a government excuses itself, it uses covetousness. It's called "class envy," but its still coveting. The current administration doesn't follow the tenth amendment, either.

When the people running a business covet, they will do anything to make their business become a monopoly. See rule V. and that leads us back to the beginning, where honor and honoring must replace dishonor and quick profit.

Capitalism works. It works better than socialism or its cousin, fascism. But no system created by humans is flawless. Immoral capitalism is just another way to screw people. Moral capitalism isn't easy, but it's the best way to go. And that path is self-evident. Pray that we win back our country in time so that we can practice moral capitalism again.

- Dick Anderson