News and Happenings

Online Banking Bill Pay always works, almost always.

online bankingOnline banking is convenient, easy, and problem-free….most of the time. I use it to pay credit cards, utilities, insurances, and a list of other local and long-distance service providers. We seldom write a check and enjoy excellent online record-keeping.
Never had an issue. …. well, until now.
Two (maybe one) innocent mistakes, but neither were the bank’s. The bank did the right thing and worked with me to fix everything, which is why I’ve been with them +40yrs.
I used online bill-pay to set up a new vendor and issue a significant (to me) 4-digit check as a deposit for some contractor work. I had a problem entering the address and took the blame for the delay. I thought I had it right. Apparently, I did.
After 7 days, vendor calls me asking about the check. Called the bank, they said it was mailed to ME! I didn’t have it either. So….. I handwrote a replacement check to the vendor and put it in his hand. Asked him not to cash both if the other happened to show up.
Called the bank and stopped payment on their bill-pay check, since we didn’t know where it went. No charge.
The bank’s bill-pay check eventually arrived at vendor’s addr and the totally innocent wife did what she normally does and deposited all the checks received…..including both the bank’s printed and the hand-written duplicate. YIKES!
I check online. BOTH checks were deposited and BOTH were rejected.
Called again. Rejection was because of the duplicate of a check that size.
Fixed.
This vendor will probably not allow me to use Bill-Pay for the balances of the two (soon to be three) projects on his schedule.

Online Banking Bill Pay always works, almost always. Read More »

DEI vs Meritocracy

Civil Rights ===> Affirmative Action ===> DEI vs Meritocracy

There were injustices, such as Segregation among other things, that needed to change. The Civil Rights movement introduced well-meaning programs and policies such as Affirmative Action (AA), which was to help minorities, females, the disabled and others.

All positive.

Bussing for School Integration was also a good thing in many respects. For equality at the college level, Quotas became popular. According to the US Department of Labor, AA was mostly about numbers. Now mostly ended, the Supreme Court struck down AA as a tool for college admissions because, among other things, AA was discriminating against qualified whites and Asians (mostly) to satisfy quotas without regard to merit.

The current emphasis pits DEI (Diversity, Equity and Inclusion) against merit-based Meritocracy.

According to an article from Harvard Business School,

  • Diversity: The presence and participation of individuals with varying backgrounds and perspectives, including those who have been traditionally underrepresented
    • Gender
    • Race
    • Age
    • Sexual orientation
  • Equity: Equal access to opportunities and fair, just, and impartial treatment
    • Equal opportunities
    • Fair compensation
    • Balanced training and educational opportunities
  • Inclusion: A sense of belonging in an environment where all feel welcomed, accepted, and respected

The opposite of DEI seems to be Meritocracy (is that like Aristocracy??). The Cambridge Dictionary defines Meritocracy as

“a socialsystemsociety, or organization in which people get success or power because of their abilities, not because of their money or social position”,

In an article entitled, “Equity Before Meritocracy: Why We Must Create Opportunities Before Rewarding Accomplishments”, Forbes says,The problem is that meritocracy without equity often results in only rewarding those who are already set up for success and have adequate tools, resources and support. We need to change this.”

I disagree.

In a February 26, 2024 article, “DEI Could Get You Killed In The Operating Room”, Ben Shapiro claims that,

“DEI is a gun pointed directly at the heart of the meritocracy”.  

surgery

DEI (Diversity, Equity, and Inclusion) sounds great. Diversity IS a good thing. Equity (feeling of belonging) IS a good thing. And, of course, we want Inclusion vs Exclusion. All components of DEI sound (and are) good, until they are used to inflict the bias they are supposed to end.

I am completely in favor of meritocracy, i.e. “merit” based vs anything else; race, gender, ethnicity, financial….).

My mother, a polio survivor raising 5 kids as a single mom and no car, never utilized government assistance based on her handicap or income. She did use a ‘handicapped’ placard in her car. Her graduating class voted her “most athletic” because she did not let her handicap hold her back. I learned from my mama.

My band director pulled me aside freshman year when he understood I wanted to be a band director. His advice went something like this,

“If you want to be a band director, you’re going to have to go to college. You’re intelligent, but you’re not going to get academic scholarships. You’re not athletic. You ARE decent on that clarinet…. so I want to tell you that your best chance of getting to college to become a band director will be to use these next four years to become good enough on that clarinet that colleges will pay you to come.”

I did. They did. That was meritocracy.

When I needed a new clarinet, my Dad said, “You raise the first 50% of the cost of that new clarinet, and I’ll pay the rest.” I don’t consider that welfare. It was assistance, but the goal required work and commitment. The music store would not give me that clarinet so I could experience equity and inclusion.

My high school clarinet teacher, who I couldn’t afford, made a deal with me that allowed me to do yard work for him in return for lessons. He said he would provide me those 1-1 clarinet lessons….

“until the day you show up here unprepared.”

That deal had nothing to do with DEI, it was all about merit.

I did get some financial aid for summer camps and college, offered because they wanted me.

I’m okay with programs that help everyone have a chance. I experienced poverty. 

My “Tenth District” Elementary School (two blocks from the city line opposite downtown) was 100% white while “Third District” (Downtown) was nearly all non-white. Because there was only one high school in the city, diversity was automatic.

I am in favor of helping those with genuine need or who are disadvantaged in a real way. I’m in the “help-those-who-are-willing-to-work-to-help-themselves” camp.

But when it comes to getting the job or the position, I favor merit-based decisions. The world works on meritocracy.

Professional athletes aren’t chosen to satisfy a quota — if you’re good enough, you can earn the spot. Also, professional musicians (especially in orchestral settings) are chosen by audition and the best person gets the job.

A recent podcaster interviewed a DEI advocate for pilots who was pushing a “from the tarmac to the cockpit” program. I watch (too many) video shorts of plane take-offs and landings….many with all female and/or ethnic crews from around the world. Recently I watched an Arab airline with a hijab-wearing female working with a male co-pilot. I would like to think that each of them studied and earned their way. Would you want your pilot to be a DEI (‘Affirmative Action’ is out of style now) or “from the tarmac to the cockpit” placement?

Show me a MLB, NBA, or NFL team put together with DEI and, if I gambled, I’d bet against them.

It gets trickier in business where historical biases can harm or prevent merit-based success. Yes. Fix that….. but not by quotas, AA, or DEI.

DEI vs Meritocracy Read More »

Selmer Series 10 and mouthpiece updates

selmer clarinetAccording to the 4-digit serial number, my Selmer/Paris Series 10 clarinet was manufactured in 1967. In 1968, my hs band director told my mother I had to get one. Not optional. He might as well have told her I needed a Mercedes for my first car. Dad made me a 50/50 deal, and after selling lemonade to golfers and hanging ad papers on doors … I got it.
I used it all through hs. It got me Solo/Ensemble medals, traveled with me and Holmes Band to KMEA and MENC, to Murfreesboro, TN and Virginia Beach, VA…. to All-State Orchestra, to band clinic and select bands, to summer music camps at Eastern Kentucky and Morehead State Universities, and followed me to Europe/U.S.S.R. with the United States Collegiate Wind Band in the summer between hs and college. I had to replace it at UK bc the clarinet prof kept saying things like,
“That was awful. I can’t tell if it was you or that crappy clarinet.”
clarinet2Anyway, I just opened packages of cleaning supplies, including swabs, key and bore oil, silver polish, swabs, disinfectant and more….. I want to see if it still has all the notes and speed it once did. Students have heard me talk about instruments with “speed buttons”.
Oh, working on my 1973-ish Buffet R-13 also. Both are considered “vintage” at this point.

Selmer Series 10 and mouthpiece updates Read More »

Insurance rates are crazy

inflationJust listened to a podcast from dailywire.com, that included a segment on insurance rates.
“Avg” car INSURANCE is now $212/MONTH.
I pay $29.33.
“26% increase this year = biggest in 50 yrs”.
I have an older car, but what does a new one do that makes it worth an additional $2100+/yr to insure? Hope you’re below avg in that regard. I’ll keep driving my 10-year-old Camry with its mid-80K miles. Oh, my car payment is $0, btw.
Curious to hear what you pay.
Avg homeowners insurance is $1700, up 46% since pre-covid. That’s a lotta percentage.
I pay $1100, which was closer to avg that I expected, given home prices in places like NY, CA, etc. They told me I’m at recommended, which is double average. I feel better already. ???
Because of the sue-crazy world we live in, I carry an UMBRELLA policy that is not as expensive as you might think.
BUT….the foundation work we’re having done is NOT covered…..unless I can “prove a specific event” that caused that problem.
Insurance companies know how to play the numbers.

Insurance rates are crazy Read More »

Christmas in Bethlehem 2023

Christmas in Bethlehem
Jesus on rubble
No organized Christmas celebrations in Bethlehem this year, according to an NPR reporter who signed of as “in Israeli Occupied West Bank”. A Lutheran church in Bethlehem has set up a Nativity inside the church depicting baby Jesus in Palestinian swaddling clothes and on a pile of rubble — to symbolize the babies who have died in Gaza.
Not the first time scripture has been adjusted to fit politics.

Christmas in Bethlehem 2023 Read More »

Assume Nothing, and always Check Your Order

Ink bottles are more economical than cartridgesLast Christmas, we purchased an Epson Eco-Tank printer and I ordered extra ink from LD Products. I’ve worked with LD for years and have always had good products and, when necessary, good customer service.
So impressed with the ink usage. Finally, after a full year, which included printing a dozen or so copies of a multi-hundred page memoir (2-sided in color)…. we FINALLY had to replace the black ink. Note, the rest of the colors are only half used in a full year — and these cartridges are well under $10ea. Much more economical and efficient than the cartridges we dealt with for years prior.
Only now, however, did I discover how messed up our order was, including bottles that didn’t fit, one that was sealed without a nozzle, one where the nozzle stayed in the lid and ALL the color cartridges were the wrong number for the box.
I had to prove what I had, so sent this pic to LD. I’m confident they will take care of me.
The good news is that I was able to get one bottle to work and fill the black (with still more left in the bottle for next time).Efficiency of ink bottles
Bottom line — and I knew this from my years in business:
1) Assume Nothing, and 2) Check your order when it is received.

Assume Nothing, and always Check Your Order Read More »

Recent posts throttled (probably) by FB

My posts don’t always get high response, but most get SOME. I am concluding that posts about supporting Israel, the IDF or anything like that — are not reaching my friends. So…. I am posting a few of those here and will do that periodically. If you want notification when I do, SUBSCRIBE….. and THANK YOU.


a Seattle high schooler had work marked incorrect on a quiz for saying “only women can get pregnant”.


Jewish lady had restroom blocked. These employees have since been fired.

The video also includes briefly the coffee shop where all employees quit — and the response from the community.


IDF Medic working in Gaza shares some of what she is seeing…


 

Recent posts throttled (probably) by FB Read More »

From which river to which sea?

Most college students, once they learn which river and which sea and what that chant, “from the river to the sea” would require…. well, read this WSJ article. It is remarkable, but not all that surprising, since it seems that most chanters and protesters for most causes don’t really understand what they are chanting for or fighting against.

From which river to which sea? Read More »

Read carefully before you assume Gaza

Read carefully before you assume Gaza Read More »