Tony Gruber

Projected Financial
Columbus, OH, United States

About Tony


I was born in 1962. Grew up in a poor section of Southern Ohio.
I live in Central Ohio. I've been married since 1987 and have two kids, born 1990 and 1998.

My personal and political philosophy can be simply stated as Objectivism. I believe the world can be objectively observed, and objectively understood.

I am a Christian (born again). I'm aware of the apparent contradiction (Christian v. Objectivist), but I cannot ignore the validity of my born again experience, and the continued (but confusing) experience of God's presence in my life. If you have not experienced God's love for you personally, ask him to reveal himself to you. Okay back to the Bio:

Professional Background:
-Experienced as a Controller, Board member, & Change agent with companies ranging from 0 to 50mm in sales.
-Created the infrastructure needed for several companies to pursue aggressive growth models.
-Helped with an IPO: Changed the revenue recognition method, changed the company’s fiscal year, & chaired the audit.
-Bachelor Accounting from Franklin University; Columbus, Ohio; April 1989.
-CPA earned in 1991.
-Black belt in Tae Kwon Do earned in September, 2007

Personal Background:
I'm very interested in Sports and new experiences.
I change "obsessions" about every 3 years; so I've become adept at (then abandoned) many different activities, including:
-Sketching (art)
-Biking (Toserv)
-Running (1/2 in 1:45)
-PowerLifting (350, 500, 465)
-Auto Racing
-Guitar (I'm a guitar teacher with 7 years exp)
-Who knows what's next!



Areas of Expertise

Small business startup and management, Business Development, Web development, Project Management

An idea worth spreading

We must (at much cost if necessary) honor the individual freedoms of all individuals. I very much believe that God is real (see bio above) and I don't see him marching down from heaven to set things right.
I must, therefore, conclude that God honors the freedom of his creation above all things, at least for this season we're in. And since God honors freedom that much, I must do the same.

Nations (religions, and individuals) have strayed into error and destruction when they inhibited freedom of thought and deed.

The expression of freedom (except when that expression causes direct harm to others), should be encouraged and defended, and I do encourage and defend freedom in my circle of influence.

Blah blah blah, moving on......

I'm passionate about

Helping the small business community; especially those who wish to expand and provide jobs. i created Small Company and Projected Financial to help businesses on nationally.

Talk to me about

Management (including parenting)
Personal development
Sports (Not spectator sports. Participation in sports)
The nature of reality.

People don't know I'm good at

twirling a pen. I started doing it after watching Top Gun many years ago, and the habit sort of stuck with me. I can't do it with drum-sticks or anything cool like that. Just a pen!

My TED story

A friend I admire suggested a TED video on the role of algorithms in our culture and I was hooked!
I use algorithms in my Projection Templates, and I'm aware of their increased use on Wall street, but I didn't give consideration to the social effect of algorithms on our culture. Thanks TED! for producing this and other videos that have inspired thought and effected a small paradigm shift.

Comments & conversations

Tony Gruber
Posted almost 3 years ago
What's one thing you wish you had learned in school?
Great question! I wish I had learned better communication skills earlier in my life - both written and verbal. It's taken some time to realize this on my own: Intelligence and academic knowledge do not ensure success. Effective communication is what separates the geeks from the millionaires, the bookkeepers from the CFOs, the great thinkers from the famous thinkers. Good communication skills can almost guarantee success, no matter what field you choose. When anyone asks my greatest strength and my greatest weakness, I site my communication skills in both categories. It's the one thing that's helped me get this far, and it's the one thing I need to improve upon the most.
Tony Gruber
Posted almost 3 years ago
What is the future of healthcare? How can it become health care vs sickness treatment? What role do technology and innovation play?
Insurance is not flawed, in my opinion. And insurance has it's place in health care. I'm suggesting we insure the 'insurable' portions of health care, and recognize that some health care costs are not 'insurable'. Here's an illustration: You insure a house against catastrophic damage (something that you hope will never happen), but you don't insure the house against regular maintenance, because that would bring an additional cost into the equation - the cost of the insurance company itself. Hiring an insurance company to pay for your yard work and house maintenance would be much more expensive that paying for it yourself, right? That is also true for routine medical visits and treatment of chronic illness. It's another matter entirely to say "I want a collective group to subsidize my chronic health issues and routine office visits". This is a valid concern for the poor, but this issue should be treated as another matter entirely. If someone wants/or needs that kind of financial help, it's less expensive in the long run to treat that as the separate issue that it truly is. Insurance is a very expensive way to pay for routine expenses, and that's a big reason health costs are increasing rapidly.
Tony Gruber
Posted almost 3 years ago
What is the future of healthcare? How can it become health care vs sickness treatment? What role do technology and innovation play?
I agree with most respondents; Education is the key to health care vs. sickness treatment. My problem with the US medical care debate is the automatic assumption that Health Insurance should be part of the solution. Insurance is traditionally purchased to protect yourself against something that you don't want to happen. It can't work, economically, when the general population uses insurance to pay for events that are certain to happen, or that you hope will happen. IE: 1. Treatment of chronic illness. You know you need the treatment, so it will cost more overall to indirectly pay for it via Insurance. 2. Health care. Again; you want to be healthy, so paying an insurance policy to pay for your efforts to remain healthy is more expensive than paying it yourself. 3. Sickness treatment. This is the only aspect of Medical care that works as an insurable event. You don't want to get sick, so you don't want to use your health insurance policy for this. Therefore; this represents an economically insurable risk. But sickness treatment is only 1 of 3 broad categories within the Medical care arena that are economically insurable. These aren't the only problems with using insurance to pay for Medical care, but I hope they illustrate the problem. ?
Tony Gruber
Posted almost 3 years ago
Mikko Hypponen: Fighting viruses, defending the net
I like your ideas about freedom of choice - regarding witch operating system to use. But I feel you're losing an important sense of context: Swiss cheese or no; the thieves should be brought to justice. Saying "I did it because it was easy" is no excuse. If I leave $1,000 on the dash of an un-locked car; I expect it to be left there when I return. I suspect some would say I am guilty of entrapment or stupidity for such an act. When a theft occurs, the thief is to blame, not the victim. I hope Linux becomes more popular. But when it does; hackers will come after it en mass.
Tony Gruber
Posted almost 3 years ago
Pamela Meyer: How to spot a liar
Great talk! I really enjoyed it, and I enjoy the show "Lie to me". I'm glad she qualified her indicators with the idea that this is all relative. Some people get nervous when they feel confronted, and lots of fake 'tells' start flying. I'm one of them, unfortunately. Or; am I just a horrible liar? ;^)
Tony Gruber
Posted almost 3 years ago
James Howard Kunstler: The ghastly tragedy of the suburbs
Good points; but poorly delivered. When someone resorts to cursing and criticism in order to make a point, I tend to laugh at them and simultaneously write them off. However, I'm glad I didn't write Mr. Kunstler off. I like some of his ideas. His style is of a gratuitous nature that might only reach like-minded people. Where's the fun in that?