Vaccinated – Done

Round two of the Pfizer vaccine is complete. Only side effects are a sore shot area and some body aches and tiredness. Other than that, it seems all is OK.

Today ran smoothly. It was a mass event like my first one, both through the hospital system. I got there around 3:45 pm and was on my way after a 15 minute rest by 4:15 pm.

Thirty minutes plus thirty minutes of drive time round trip. So, I only invested one hour of time, a little gas money and $5 parklng. With only a few minor side effects.

If you are waiting, please do yourself a favor and help yourself, your family and everyone else.

The Wednesday Wanderer

In all fairness to Dion who sang “The Wanderer” back in 1961, this wanderer is not the womanizing man defined therein, but someone whose thoughts are wandering about. It is not unusual for some great tunes to be about not desirable folks (think “Every breath you take” by The Police).

So, let me play gadfly and wander around with a few thoughts.

I have seen graphic data which reveals vaccines are making a huge difference in cutting the rate of COVID-19 infections. The news by President Biden should be well received, but we also need to help places like India whose population is four times that of the US and too many live too close together, increasing exposure.

Speaking of vaccines, I get my second one on Saturday and my wife and son will be finishing theirs later in May. The only side effects have been with my wife, who was extra tired and a little nauseous. These are small prices to pay to be safe. It is only your life and that of your family. As my Air Force veteran brother-in-law noted, it is not like you are being asked to storm a beach at Normandy.

I did notice there is one night time opinion host, whose veracity is consistently in question, advising his viewers to go up to children who are wearing masks and tell them they will call the police on their parents. Really? This is malfeasance in my view, as someone will get hurt, either the revved up person or the target of the revved up person. It is similar to the former president being responsible for inciting an insurrection that ended up with seven people dead and over 400 charged with a crime all because his fragile ego could not handle losing.

I remain dismayed how politicians can avoid working together so as not to be seen working together as that will not sit well with the base. Really? You will avoid solving problems, which people want you to do, because it will look bad to your tribe? Let me be frank – get off your duff and go make it happen. Be a leader. I do not care who gets more credit, please do something and stop the posturing.

In this vein, I have said for four years, the previous president had a golden opportunity to push through a needed infrastructure bill. He campaigned on it and Democrats were ready to discuss it.. Plus he had a majority in both chambers. He could have set sails on his presidency with a bipartisan bill out of the gate and it could have changed the course of his presidency. Yet, he chose to try to take something away from people as his first mission all because it was nicknamed for his predecessor – Obamacare. After months of god-awful legislation and process, that effort was defeated. And, that failure better defined his presidency.

That is all for now. Let me know your thoughs. They call me the wanderer, the wanderer..

A Tuesday tale

I met with an old friend last week for lunch. He was visiting his daughter and we decided to get together, masked appropriately. He shared a wonderful story that I hope will warm your heart, as it did mine and my wife’s when I told her.

He said his daughter is a specialized nurse. He and his wife had adopted both of their children in their first week. For medical history reasons, his daughter wanted to find out about her birth parents. He gave a nice piece of advice to be prepared for the consequences which may not turn out like you want.

He went on to say she was adopted when they lived in Ohio, who changed their laws to allow for open records, provided the birth parents did not specifically say no during the transition form sealed records.

After much legwork given a common name, they found the birth mother and father. It turns out the birth mother was also a nurse and her father was the doctor her mother worked for. It was the mother who turned down the doctor’s proposal to be married, so they put the child up for adoption.

So, if that does not give you enough tingles that people she never met were also in the medical field, the next item might. We live in North Carolina, not Ohio. And, the daughter does not live in her home town having moved within the state. It turns out the birth mother lives nine miles away from the daughter.

The rest of the story remains to be told. I will add the mother who raised her is in medical research, so her daughter’s interest is most likely due to her influence and example, but DNA to help others might have also been a factor.

The story is not intended to judge anyone’s motives or reasons for placing a child in adoption. We do not know the circumstances or history of those involved. I would only surmise decisions like this must be difficult.

Franklin was on the side of the Angels and got chastised

I have written before when Franklin Graham has used his pulpit to denigrate groups of people who do not worship, love or gender present like he does. I have added it detracts from the many good things his Samaritan’s Purse organization does, when he demonizes groups. Yet, this time he is getting flak from his own followers for suggesting that people get the COVID vaccine.

Here are excerpts from an article called “Franklin Graham believes Jesus would take COVID vaccine. He’s still catching grief”.by Joe Marusak of The Charlotte Observer. A link to the article is below.

“Evangelist Franklin Graham is still catching grief from some of his Facebook followers weeks after saying Jesus would have supported getting a COVID-19 vaccine.

Based on the parable of the Good Samaritan, Graham said he concluded that Jesus would have supported getting all types of vaccines.

He said nobody should have to endure what some of his staff and their family did after contracting the coronavirus…

‘My wife and I have both had the vaccine; and at 68 years old, I want to get as many more miles out of these old bones as possible!’

Some of his followers, however, are still fuming about his COVID vaccine recommendation.

‘You my friend Franklin Graham are leading your sheep to slaughter,’ a woman posted Friday.

‘Satanic sell out,’ another woman posted.

‘STOP,’ said another last week. ‘It is NOT your job as a pastor to try and talk people into taking a vaccine that is considered experimental.’

Other comments were along these same lines. Just in the selection of these three, only one-half of one them raised an actual issue that gave him or her pause referencing “experimental.” The vaccines were rushed, but we have had the benefit of seeing the results of such along with the stops and starts. The J&J vaccine has some issues they are looking into, but for the vast most part the vaccines have been safe.

What amuses and concerns me is the vitriol used to share their opinions with the reverend, who is just trying to offer encouragement. He did exactly what I did after getting my vaccine and that is to share a positive experience. “Satanic” is a little harsh as a retort and offers no counter argument.

That is a bigger problem where people are replacing arguments with bullying and name calling. The latter does not improve anyone’s argument, even when they are a current or former politician. Being smug does not make one right, it just makes one smug.

Franklin Graham says Jesus would get COVID shot | Charlotte Observer

What do these folks have in common? (a reprise)

The following post was written almost eight years ago. While more states and cities have increased their minimum wages and the Affordable Car Act helps greatly, this post remains relevant.

The following people have something in common. Please scroll down the series of descriptions and let me know what is common for all of them. The names of have been changed to protect their confidentiality, but the stories are very real.

Anna is working as an office manager working full-time making $8.00 per hour. She has is separated due to a domestic violence situation and has two children.

Hope is working two jobs – one full-time as an Administrative Assistant making $11.75 and the other part-time as an intake specialist at a Human Services agency making $11.00 an hour. She is also separated due to a domestic violence situation and has four children.

Julie is working full-time as a CSR (Customer Service Representative) for a bank making just over $14 an hour. She is unmarried with three children.

Nina is working full-time as a CSR for a utility company making $12.25 an hour. She is unmarried with one child.

Sarina is an assistant manager at a fast food restaurant making $12 an hour. She is unmarried with three kids.

Paul is working full-time on a cleaning crew making $11.00 an hour. He is unmarried with one child.

Carrie and Michael are married with four kids. Michael was laid off and Carrie is working in hospitality at a local hotel making $9.00 an hour.

Felicia is a Certified Nursing Assistant making $9.60 an hour at a hospital. She is unmarried and has one child.

Dedrick is a full-time security guard making $9.25 an hour. He is unmarried with three children.

Cassandra is working two part-time jobs, one as an afterschool teacher assistant making $11.25 per hour and the other as a retail clerk for a discount company making $7.95 per hour. She is unmarried with two children.

Terry is working as a public school teacher assistant making $11.00 an hour. She is unmarried with one child.

I could go on, but let me ask the question. What do these folks have in common? They are all homeless. When I tell people that the homeless people the agency I volunteer with have jobs, these people do not believe me at first. How can they be working and be homeless? It takes some people time for that to sink in. In fact, 84% of the families we help are working. The median wage for those 84% is $9.00 an hour. I purposefully used higher figures to illustrate a point – you can make above the living wage for an individual, but still be homeless if you are a parent. The living wage in my area for an individual is around $10.00 an hour and for a one-parent, one-child family is around $19.00 per hour.

There are five additional things I want to mention that are important to understanding, preventing and climbing out of poverty:

  • Family size is highly correlated with poverty. We must do a better job on family planning and providing birth control means and education. For my evangelical readers, your kids are going to be tempted to have sex. Please do not preach a message of abstinence alone. Teach girls how to say no. Teach boys to treat girls as more than sex objects and that no means no. But, let them know that if they must have a sexual relationship, to use protection.
  • Education is key. While the economic downturn altered this statement with layoffs and downsizings, for the most part, the higher your education, the less likely you are to be homeless. For kids that fall off the track, getting them back in school or on a path to a GED is essential. Fortunately, the community college systems in cities and regions do a pretty good job at getting people educated and developed with new career skills.
  • Healthcare is very important. The absence of healthcare is the key reason for personal bankruptcy in the US and an important reason for homelessness. People cannot afford their employer plan and one of the kids get sick or has an issue. Or, the parent stopped taking his or her medications due to cost and the resulting physical or mental issue causes a problem for the family or on the job. Fully implementing Obamacare will help, but the states who did not expand Medicaid need to do so.
  • Minimum wage needs to at least be the living wage for an individual. The homeless we help work hard, sometimes at more than one job. People like to say that increasing the minimum wage impacts the number of jobs. To be honest, most studies do not support that contention. We need to increase the minimum wage to the living wage for an individual. These jobs perpetuate poverty (please read “Nickeled and Dimed in America” by Barbara Ehrenreich). Short of that, we need to increase it more than it is now and graduate it to a higher level. Yet, the same people who decry people on welfare, also don’t want to pay people for an honest day’s work. If we pay people better and not like an economic slave, then the economy will actually flourish more.
  • Domestic violence is real. About 30% of the people in our program have come out of an abusive relationship. So, the spouse is making due without one of the incomes (for the most part) as well as dealing with a court-ordered spouse to stay away from her and the kids. I have said this before. If you are in an abusive relationship – leave. He will not change – leave. He will move beyond verbal abuse and it will become physical – leave. For the sake of your kids – leave. You can live a more normal life. Domestic violence is about power and control. It is difficult, but please leave.

Our agency is built with a model of helping people climb a ladder out of homelessness. The past fiscal year, 91% of our families were back to self-sufficiency in 21 months.  We provide rental subsidies based on their ability to pay, but they must work with a social worker and meet certain milestones. We also offer Hope Teams to mentor the family and kids. We do not do for them what they can do for themselves, so they must have a savings plan, take classes on Bridges Out of Poverty, and achieve certain milestones.

We all need to better understand our poverty problem in America. We must do better, but it must begin with realizing how it happens and helping people climb ladders out of poverty. We cannot solve this problem by kicking them when they are down and placing ill-founded labels on them as reasons to dismiss them as undeserving. Not only is that cold-hearted, but it is harmful to our economic growth. As Gandhi said it so well, “a society’s greatness is measured in how it takes care of its less fortunate.”

Time to get shot – vaccine shot that is (an update)

It is my time to get the first of the COVID-19 vaccines. I went Saturday to an event sponsored by Atrium Health at Bank of America stadium on Saturday. It was actually well organized and very quick, but more on that later. And, the only side effect is a tender arm where I was shot.

When I signed up through my hospital system, it was like buying tickets online for a concert. I had several locations to choose from, but when I hesitated to actually read something they wanted me to, my choice locations vanished. And, I had to start again. That is how I ended up at the football stadium. I promise I did not spike the football after getting shot. The other locations are drive-throughs at various hospital locations.

Nonetheless, I am glad to have started the vaccine train with its two stops. Three weeks from now, I will get number two and be done. These have been scary times the past fifteen months. I did see there is an uptick of COVID-19 in more places. Cavalier attitude toward socializing is the likely culprit along with politicians saying more political than prudent things.

Those not interested in the vaccine are an enigma to me. I cannot understand why something that is so needed is avoided. I cannot understand why something that is relatively easy to do is avoided. If people are so doing because they have an anti-vax attitude, I understand it more, but still don’t understand it enough. If people are avoiding it because of the pace of the development, I understand that a little more, but the stories of side effects get more air time than the countless no problems. Yet, if people are doing so for a political statement, that is just inane. Politicians now campaign all of the time rather than govern, so we must take what many say with a grain of salt.

The event was smooth sailing. The only waiting was for parking as it was bottle necked to one lot. I eventually bailed and went to another lot. I walked right on in and two check points later got my shot. I was out in thirty minutes counting the fifteen minute observation wait at the end.  I was encouraged when they sent me a text to NOT show up earlier than fifteen minutes before my appointment time. 

By the way, I am old enough to remember some shot we all got when I was in elementary school. I don’t remember what it was, but we all lined up for our poke in the arm. I do remember the kids behind me asking “did it hurt?” which everyone one was asked. By the way, this did not hurt. I exercised the next morning and today am without any tenderness.

Sidebar: A funny story happened, which my wife chuckled at when I told her later. The person giving me my shot was a pediatrician who was my age as she commented when I told her my birthday. When I asked her if I needed to roll up a sleeve, she said if we just unbutton the top button on your pull over shirt, we can roll it down enough to give me the shot. To my surprise, then she started doing it. And, I said don’t you need to know my first name to start undressing me. She laughed and said I am a pediatrician so I am used to just doing things. Everyone needs a chuckle, especially those doing repetitive things.

Time to get shot – vaccine shot that is

It is my time to get the first of the COVID-19 vaccines today. While I am an old fart, I am only now qualifying by age and one other condition, that hypertension thing. So, I will be participating in a hopefully, well organized cattle call at the football stadium downtown.

When I signed up through my hospital system, it was like buying tickets online for a concert. I had several locations to choose from, but when I hesitated to actually read something they wanted me to, my choice locations vanished. And, I had to start again. That is how I ended up at the football stadium. I promise not to spike the football after getting shot.

Nonetheless, I am glad to start the vaccine train with its two stops. Three weeks from now, I will get number two and be done. These have been scary times the past fifteen months. I did see there is an uptick of COVID-19 in more places. Cavalier attitude toward socializing is the likely culprit along with politicians saying more political than prudent things.

Those not interested in the vaccine are an enigma to me. I cannot understand why something that is so needed is avoided. I cannot understand why something that is relatively easy to do is avoided. If people are so doing because they have an anti-vax attitude, I understand it more, but still don’t understand it enough. If people are doing so for a political statement, that is just inane. Politicians now campaign all of the time rather than govern, so we must take what many say with a grain of salt.

So, hopefully it will be smooth sailing. My guess it will require a lot of waiting. But, I was encouraged when they sent me a text to NOT show up earlier than fifteen minutes before my appointment time. By the way, I am old enough to remember some shot we all got when I was in elementary school. I don’t remember what it was, but we all lined up for our poke in the arm. I do remember the kids behind me asking “did it hurt?” which everyone one was asked.

Internal Bleeding – Be your own Health Care Advocate

The following post was written about nine years ago. Since that time, some of the changes noted below have taken shape, but the message remains important. Be your own health care advocate.

A few years ago, two doctors looking to improve the quality of health care in the US, wrote a book called “Internal Bleeding: The Truth Behind America’s Terrifying Epidemic of Medical Mistakes.” Since Drs. Robert Wachter and Kaveh Shojania wrote their book, improvements have and continue to be made, but with the concern over the US’ 38th position in health care quality, while being the most expensive system in the world (according to the World Health Organization), I think it is appropriate to belabor a few of their key points, in particular, being your own health care advocate.

In today’s world, we must be the navigators of any customer service we receive whether it is at a bank, the driver’s license office or in a retail store. We must be diplomatically relentless in trying to gain the service we expect and need to resolve an issue. Service providers, in particular those in a Call Center, need to stay on script as much as possible. When your problems get them off script, then your navigation diplomacy skills are needed the most.  I mention this as context for what we also must do in gleaning good health care service.

A few years back there was a study conducted by a combined group called the “Leapfrog Group” to improve the quality of health care in hospitals. Leapfrog came up with three major ideas – (1) Electronic orders were a must (poorly written prescription orders were killing people), (2) Intensive Care units need to always have a doctor on site and (3) Medical procedures of import need to be done in centers of excellence, not where a hospital may have done only a handful of surgeries in this area. “Internal Bleeding” echoes many of these same issues, especially the one on electronic order taking. Yet, they also go beyond these Leapfrog issues.

They noted that often times in hospitals, fewer critical questions are asked closer to the time of the procedure. Sometimes, the critical mistake may have occurred very early in the process. They used the analogy of all of the holes in Swiss cheese aligning to allow a mistake to pass all the way through. They used the example at Duke University where a famous heart transplant for a minor child occurred. The doctors at this very fine medical center, one of the best, were so excited when a heart of a young deceased donor became available, that they assumed others had checked that the type of blood of the donor matched the patient. It did not and the patient died. Similar examples occurred when doctors operated on the wrong leg, arm, kidney, lung, etc. The doctors failed to ask the very basic of questions and assumed these issues had been resolved.

In addition to the above and related to the Rx orders, the authors advocate the patient understand fully what is being done to them in the hospital or before they get there. They recommend you introduce yourself to every care giver who comes into the room, ask questions of them relative to medications you are being given and make them fully aware of other medications you are taking. They recommend if you cannot speak for yourself or are uncomfortable in so-doing, to delegate this important role to someone you trust. In other words, they are recommending being your own health care advocate. This will help minimize mistakes.

Health care is both a science and an art. It also is a trial and error business, so the doctors may not know for certain what is wrong with you and have to figure it out. They will do their best, but they do not know you very well or at all. So, you have to play the role of information provider and advocate.  Using the authors’ recommendation supplemented by other sources of information and experience, you must be your own health care advocate and do the following to get the care you expect and need.

– Write as good a summary of your and your family medical history as possible. Make it available to others you trust who may need to speak on your behalf.

– Before you see the doctor, write down your symptoms and questions as you may get stage fright when you see the doctor’s white coat.

– Do not be scared to ask questions, especially if you do not understand the diagnosis or remedy – he or she is there to serve you. I tell my kids you show your intelligence by asking questions, not by failing to ask.

– Get a second opinion on major diagnoses. For example, it takes a lot of practice to read a mammogram correctly and a non-inconsequential percentage of misdiagnoses occur. Using this example, computers cannot take the place of human fingers in doing a self-test. If you feel a lump and the first mammogram shows negative, get a second opinion.

– Make sure you inform your doctors and pharmacists what drugs you are taking. There are a number of drugs that contraempt the drug you need (make its use less effective) and some which are toxic when taken together. I ask my pharmacist questions all the time about some over counter drugs that may be harmful when taken with the prescriptions my family is taking, including me.

– Take your medications as prescribed and through the dosage. Many people stop taking their meds when they start feeling better.

– Be truthful with the doctor about your drinking and extra-curricular drug use. Doctors tend to believe patients understate their drinking, so help them out and tell them the truth. You drink more than you say you do.

– Make sure you get treatment for a major problem at a place that does a lot of what you need – a center of excellence. This is especially true with back or spinal surgeries and surgeries on any major organs. If you are having heart surgery, do you want it done where they have done 25 in the past year or 250, e.g? I have two friends who are having major back complications after spinal surgeries were done poorly.

– Get all the information you can around procedures to make informed decisions. In some cases, living with a mild discomfort with medication may be better than invasive surgery. Ask the doctor what are the options, what are the chances for success and what are the risks. If he/ she doesn’t know, ask him/ her with whom you can speak.

– Be diplomatically relentless with Call Center personnel at insurance companies. Mistakes do occur and sometimes you may be allergic to a substituted generic prescription. So, you can appeal a claim if you feel under-served.

– This one comes courtesy of Dr. Sandra Steingraber, an ecologist, biologist and cancer survivor. Family history needs to recognize your environment as well. She was adopted, but her bladder cancer at the age of 21, also occurred in other family members who lived nearby (as well as other cancers). Bladder cancer is a bell-weather cancer. It is largely caused by environmental toxins. If your family, neighbors or community has some longevity in an area and more than one or two bladder cancers have occurred, start doing some fact-finding. It may be more than a coincidence. Since people move around, showing environmental causes is difficult as the exposure may have occurred years before.

– Finally, take care of yourself in a sustainable way. Walk more. Reduce portions. Eat more slowly and ingest more calories earlier in the day. These measures can be sustained whereas diets cannot.

These are just a few ideas, but the key message is be your own health care advocate as you are the only constant in any equation about your health. If you feel you cannot serve this role well, please take a trusted friend or family member with you. Doctors and nurses are marvelous care givers, but they are not perfect. You have to improve their service by being present in the conversations. It is only your or your children’s lives.

Class Matters – Socio-economic class that is (a reprise from 2012)

The following post was written almost nine years ago, but still applies today. I wrote recently how America has fallen in the global rankings on socio-economic mobility This story will shed some light as to why.

When you read this title, there are several interpretations that come to mind. While I am a firm believer in acting in a classy way, treating others like you want to be treated, the “class” I am referring to here is socio-economic class. There is a body of work spawned by research conducted by the New York Times, which led to the publishing of a book under this same title – “Class Matters.” It also led to a revolution of thought and I would encourage you to visit “www.classmatters.org for more information.

In essence, the term class matters refers to the tenet that your socio-economic class is a key factor in your ability to ask questions of those who are trying to serve you. The higher strata of socio-economic class is highly correlated with better education and more confidence. This translates into the greater ability and lesser reluctance to question things. On the converse, those in lower socio-economic classes tend to have lesser education and more self-esteem issues. They have a greater inability and lack of confidence to question those in power or who are trying to serve them.  As a result, those in the lower classes often make poorly informed decisions as they are:

  • too scared to ask questions,
  • feel threatened if they do so,
  • feel they will show their ignorance if they do,
  • do not know the right questions to ask, and/or
  • fall into a trusting mode, whether legitimate or not, that the person serving them knows what they are doing as they are wearing a doctor’s coat or suit and tie.

To illustrate this concept using a real life occurrence, the current housing crisis we are facing has many areas of cause from the lenders to rating agencies to investment managers to developers to buyers. At the heart of the problem, we had too many developers and realtors selling houses to people who could not afford that price of house and mortgage lenders providing mortgages to people who should not have that level of mortgage or who did not fully understand the terms of the loan. The buyers did not understand what a variable mortgage is or, using one of the lender’s terms, what a “pick-a-payment” or flexible payment mortgage entailed. The concept of negative amortization is term that was not well-explained or fully understood. In “House of Cards” a line that resonates with me is lenders were providing money to people who could “fog a mirror.” Then, they packaged up all of these poor risks in collateralized debt obligations (CDOs) and sold them to investors who thought they were buying a less risky product. The rating agencies did not help by stamping these CDOs with a AAA rating.

There are some who firmly believe in the concept of “let the buyer beware.” In their minds, the people who bought these houses and took out these loans should have been more aware “like I would have been.”  As a consequence, they believe the buyers should be held entirely responsible for the housing crisis. This school of thought has some merit, but misses two greater issues. First, if you have ever bought a house, you are asked to sign more papers than in any other transaction. I would wager that an exceedingly high percentage of buyers do not read every word of what they are signing. The legalese is too complex. More often than  not, they will ask the attorneys to explain simply what they are signing. I would also wager that in these transactions people actually sign papers they do not fully understand.

Second, with that context, people in a lower socio-economic class will be even more trusting of those in suits and ties. They would ask even fewer questions and understand even less of what they are signing. When the American Dream is to own a home and people in suits and ties paint a picture that you can afford this home, the buyers believed them more times than they should have. In some cases, the seller put “perfume on a pig” to dress up the sale as best as possible. Individuals were shown monthly payment numbers and did not realize those numbers could dramatically change every two years. In some cases, their income and wealth numbers were inflated to show they could afford a house and mortgage they otherwise would not. The buyers trusted people showing these numbers and signed on the many dotted lines.

Two true stories will embellish these points. The poster child for one extreme end of what happened was a builder based in Atlanta. The CEO and CFO were convicted of criminal and unethical actions they helped perpetuate with home buyers. In essence, the company-realtors representing  new developments did not represent they would make an extra bonus if you bought in this new neighborhood. They did not represent the inspector was being paid off to inflate the price of the house and show no problems existed. They did not represent that the mortgage lender they recommended was affiliated with the developer. So, along comes the buyer who does not know this, does not know to ask these questions and who sees a financial representation that they can afford this house. Even people above the lower socio-economic classes were taken in by this criminal behavior, yet the lower class people did not stand a chance.

The other anecdote took down a bank of which I was shareholder. This bank bought  a mortgage bank who had developed the concept of the “pick-a-payment” mortgage. This flexible payment mortgage concept was geared for a very astute buyer, not the masses of people who bought it. Mortgage people at this bank wondered why the CEO of the acquirer was pushing these mortgages even up to six months before the bank was destined to fail.  A mortgage person for that bank said we are having “pick-a-payment parties” to promote the sale of these mortgages. We are selling these mortgages to people who do not know what they are buying. They do not understand when they do not pay enough, their mortgage principal increases. Like with the above example, the lower socio-economic class buyers did not stand a chance. The people in higher classes suffered as well.

Yet, the class matters concept goes beyond these examples. It happens in everyday life, whether it is visiting the doctor, buying a car or something on credit or being served by the bank on other issues. We have people who will go into debt as they do not know the exposure they are adding with each purchase. In today’s world, there is a dearth of customer service. You have to be the navigator of your own customer service experience. Many people do not realize this as the case and tend to delegate the responsibility to the customer service person. We don’t ask enough questions of doctors seeking alternative treatments or payment plans. We accept the terms of a store credit card without knowing that if we fail to make one of the 30-60-90 day payments, we will pay back interest to the point of sale. We do not understand that we need to pay more than the minimum credit card payment as it will take 30 years to pay off a washer and dryer purchase. We do not ask the question, do I really need yet another credit card? We do not realize we have the power to say “no.”

I tell my children “people want your money, so you need to understand that.” Sometimes, they want it by legitimate means. Sometimes they have enticing commercials which are too good to be true. And, sometimes they will try to steal it from you online or by lying to you in person. You have to guard against this. With this backdrop, someone in a  lower socio-economic class will not ask enough questions to be served. They will take that extra credit card that arrives in the mail. They will sign up for the 30-60-90 day store plan to get a 10% discount not knowing the full ramifications of the transaction. I have also witnessed in helping homeless families, budgeting skills could be improved and asking questions about “must have” purchases are not done often enough. Sometimes these “needs” are actually “wants” and could be postponed. They do not know how to zealously navigate the use of coupons or the best times to buy products. They do not ask for the manager or supervisor when being ill-served.

This week I read a series on the inability of hospitals to uniformly offer reduction or the abatement in cost to those without health insurance and in an impoverished state. Someone wrote in that they successfully navigated payment options from one of the studied hospitals asking why couldn’t others have done that. When I read the letter critical of the people short-changed, the concept of class matters entered into my head. The people in need did not navigate the system as they did not know or have the confidence to ask the right questions. They did not relentlessly pursue options. This is exacerbated by the lack of transparency of the payment system, so it takes a concerted effort to understand what is happening even for people in higher classes. There are other examples in our society where you have to make a concerted effort to understand the details.

In closing, my hope is for more people to understand that class matters in getting proper help and service. We have to make it easier for people to ask questions, search for answers and be better served or, at least avoid being ill-served. It is OK to ask questions. As the teachers often say “the only dumb question is the one not asked.”  Please help others remember that. Offer to go with someone to the doctor to help ask the right questions. Or, encourage people to write their questions down beforehand. Encourage people to not get into credit exposure beyond their means.  Share your wisdom of purchasing or not purchasing items. Sources like Consumer Reports, BBB , Angie’s List,  http://www.cars.com are vital tools, e.g. Yet, I guess the big take away is to not assume people are like you. You may have avoided stepping  in the hole, but you would have asked more questions. Not everyone will. Offer them your help and understanding.

To the point

The petulant acting president has told his people to not share COVID-19 data with the staff appointed by the president-elect. We are talking about people’s lives and the president is still throwing a tantrum with unfounded claims of wide-spread fraud, claims which he has orchestrated and staged for several months.

Let me come right to the point. This is the first president to not put country first to facilitate an orderly transition. It matters not if the president is still contending the election with or without merit. You still plan ahead to help people. It is that simple.

But, let me be brutally frank. Watching this president over the years, during his first campaign, and during his presidency, his interests have invariably superseded those of the country’s. He cannot help himself as it is in his narcissistic nature. So, doing what is necessary to help people is not in his thought pattern.

As conservative pundit David Brooks said the past year, “the president does not have any empathy or sense of decency.” There are many negative metaphors to draw from, but to me, having pep rallies with his most ardent fans in February without warning them of the risk (after admitting to knowing of the dangers of the coronavirus), is beyond the pale. He put his most loyal followers in danger without their knowledge.

Yet, if that is too subtle, picture Trump tossing paper towels to Puerto Ricans ravaged by a hurricane following his relative disdain to helping them. It was condescending as if it were a king throwing food scraps to hungry people.