Online Banking Bill Pay always works, almost always.

News and Happenings, Personal experience /
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

Business strategies, College Prep, Consulting, News and Happenings, Small Business /

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 socialsystem, society, 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 »

When Law Enforcement Got Involved in My Fundraiser

Leave a Comment / Fundraising, Personal experience, Sales and Marketing /

It was in one of my early years of fundraising on my own. I was working with an area elementary school and using a program that included chocolates manufactured in Wisconsin. The order taking and product delivery went fine. It was a day or two after I delivered the student-packaged orders that I took a tense call from the principal. 

[Mr. S] was a hard man to work with. When I started in fundraising, he was one of the many loyal customers of a long-entrenched and very successful competitor. I kept calling on him, however, and when things started changing with the company and rep he had been using, he asked me to stop by. I was probably one of the few who kept calling on him, so persistence paid in this case.

The phone call was that we had a problem and I needed to come to the school immediately. I did.

Someone [suspect] had called the school saying he bit into a chocolate and found a staple inside. Mr. S was ready to put the word out to return all the product and notify the newspaper. That would have been devastating to my young business and the fall out from something like that could ruin me. I would have had to pay for the product and the school’s profit loss from the returned product.

While I was sitting at his desk, I called the candy vendor and asked for the highest-ranking person I knew. I was told, “He’s in a meeting.” I think I used the words potential injury and lawsuit in the same sentence when I demanded they get him out of his meeting. They did. 

When I explained the situation, he said I would get another call momentarily. 

That call was from the in-house corporate attorney, who, as it turned out, had partial ownership in the company. He was terrific as he had been through stuff like this before and kept Mr. S and me informed and one step ahead of the situation all the way through. 

He explained to us the near impossibility of such a happening — that there are multiple metal detectors on each candy line, including one at the very end. He mentioned that staplers are not allowed in the candy rooms and that the detectors are mostly for any potential metal fragments from the machinery itself. 

From the product shipment and candy type, he was able to get a report of the manufacturing process on that line for that day and there had been no problem. 

He wanted us to call the person making the complaint and find out:

  1. Is he ok? (Yes)
  2. Was he injured? (No)
  3. Did he go to a doctor? (No)

We suggested he go to the doctor. (Would not)

  1. Where was he when he bit into the chocolate….including a detailed description of what happened?
    He was in a band rehearsal at a local golf club. Claimed he opened a box of caramel pecan chocolates and shared them with his friends. 
  2. Did anyone else find a staple in their chocolate? (No)
  3. Did he still have the piece of candy with the staple in it? (Yes — instructed to bring it to the school).

The lawyer advised me to go to the golf club rehearsal area to look for staples. Mr. S went with me. Not surprising for a reception room, there were staples on every post from where banners and streamers had been hung. We pulled a few from different areas and of differing varieties and sent those, as well as our “damaged” chocolate, NDA to Wisconsin. 

At this point, he told us his suspicion and advised how to proceed. The purpose of the “are you hurt” and “did you go to the doctor” questions would prevent the guy from claiming harm later. Collecting staples, including the one in the piece of chocolate, would enable analysis to determine several things. 

After the staples were analyzed, the lawyer called and confirmed that:

  1. Even though there are already no staplers in the candy making facility, none of the staples matched the types of staplers they had in the office areas.
  2. The staple in the piece of chocolate was a match to some of the staples we sent, meaning it came from the golf course and not the chocolate maker.

I was to call the man and ask what I could do to make it right for him, i.e. free chocolate and/or his money back. And, the manufacturer would pay for a trip to the doctor to have everything checked out. He refused to do that. 

The lawyer said,

“As soon as anything comes out of his mouth that sounds like he wants anything more than that — tell him he will hear next from the corporate attorney, who has already been in touch with federal authorities…and hang up immediately.”

Federal authorities were involved because of the multiple states involved.

During the conversation, in response to my asking how to make it right, the suspect said….

“A big screen TV would be good.”

Boom.

By this time Mr. S was convinced this was not a staple in the candy issue and was extremely appreciative of the way both I and the attorney handled the situation. 

The attorney told us that we would hear back from someone about resolution within a day. 

It was just a couple hours. 

The next call I got was from a man who identified himself as a federal agent. He confirmed that this was fraud and extortion and asked if we wanted to press charges. 

No. The negative publicity would still have been harmful and the type of attention that could encourage school officials to ban product fundraising. 

The case was closed. And I did earn additional business at that school and with that principal. 

All of this happened over a two day period with the second day only because of the transport time to get the staples to Wisconsin for immediate analysis. 

When Law Enforcement Got Involved in My Fundraiser Read More »

The Harsh Reality of Getting To and Paying For College

Leave a Comment / College Prep, Consulting, High Schools, Parenting, Personal experience, Public Schools, Teaching /

Unlike many teachers, a high school band director can have a student for four years or more. Sometimes, the high school director is also the middle school teacher, so those students can have the same teacher for seven years. They come to the high school as curious freshmen and develop exciting dreams. Sophomores are excited about the colleges they will attend and what they will do. They want to go to the higher level, name brand universities for law school, med school, music school. 

But then, sometime during Junior year, it seems, the realities of less than stellar grades and parents balking at the published prices of the dream schools begin to crush and shatter that earlier enthusiasm and optimism. 

A quote I hear too often, and the main motivation for writing this book, goes something like:

“I really wanted to go to [Name Brand] University, but I’m going to have to go to [Community] College and commute from home – because it is what we can afford.”

What Crushes Their Dreams?

They are not stupid, but might be ignorant 

When Middle School 8th graders become high school freshmen, they can have a glazed-eye look about them. They are coming from a smaller setting where they had pods and teams of teachers who spent significant time helping them not only get through the educational process, but also to smooth their often traumatic entrance into the teen years. Suddenly, they get to the high school where the building is bigger (easier to get lost), there are more people, more classes, they have more teachers who have less time to hold their hands and who will hold them to a higher level of accountability. They’ve been the big-dogs on the middle school campus and now are at the bottom of the high school heap. The good news is that most successfully navigate the transition and are set for success. 

As they experience the increasingly specialized high school classes, they get excited about topics or classes they like. They develop big dreams. Often, by the end of freshman or sophomore year, they are going to go to the name brand school; Law School, Music School, Medical School. These are exciting times.

Unfortunately, factors can dampen their spirits and dash their hopes:

  • Classes are harder, expectations higher and grading is less forgiving. Students who have always gotten all “A’s” can encounter some grades they’ve never seen before. Most make the adjustment, but some become discouraged and give up.
  • They are negatively influenced by the mediocrity of the general student population. There is intense peer pressure to do as little as possible. Unless highly self-motivated, positively influenced by strong teachers or from home, the slide to do as little as possible progresses. 
  • They struggle with seeing the long-term. When I talk to band freshmen about an award they can receive senior year, but that requires some things that they must do freshman year, one of the challenges is to get them to see that far ahead. If you want to see some rolled eyes and crossed arms, just try telling freshmen about the super high standards of top-tier colleges. 
  • Some smart students will coast along – because they can. Students won’t get in trouble in a public high school for getting a B or C grade. No. The emphasis is on RTI, on intervening on behalf of failing students. Teachers are pressured to have a rigorous class and to do everything they can to pass everybody. The goals tend to center around aiming for that 80% mark. Teachers can be punished for having too many low grades, but are not rewarded for high grades, so by default, the idea of average and mediocrity, if not encouraged, are at least tolerated – and become the norm.

By the time students reach junior and senior years and begin to see the next level, their grades and past practices can knock them out of consideration. The problem is less that they couldn’t have done it than that they didn’t know. They’re not stupid, just ignorant.

They treat college prep the same way they treat high school homework

Just a few weeks into freshman year at his top-tier university, my son called to tell me about his first English class paper.

“Dad, I’ve got a grade on this paper that I’ve never seen before.”

When I asked him what he had done differently, the response was….

“I did what I always did in high school. I waited until the night before it was due and then wrote the paper.”

He discovered that the bar was set higher there. 

I hear students discussing (or watch some of their social-media posts) about a paper they are writing for another class. Here are typical statements:

200 words down – 300 to go.

Half a page to go – if I increase the font and adjust the margins very slightly, maybe [teacher] won’t notice.

Does anyone have a paragraph I can borrow about…

The goal is not excellence, but average. Students demonstrate realization that the system’s goal is not to get an ‘A’, but to meet the assignment. We unintentionally encourage the problem by emphasizing meeting minimum standards or expectations. We don’t strive for excellence, but to meet or slightly exceed the standard, the minimum, the average. Administrators praise teachers when they can display on the big screen a graph showing their school ever so slightly ahead of the state average. The school where I teach celebrated receipt of a ‘B’ (one step up from average) rating from the state. No one talks about becoming the best school in the state. That kind of talk seems reserved for athletics and the arts, not so much for academics.

The GOOD NEWS is, that if the goal is to get into the community college or the big state university, that approach will probably work. But for these freshmen and sophomores with those big dreams of becoming the lawyer, the doctor, the engineer or the professional musician, those are not the “standards” that make it in the top tier schools – or in life.

They take what comes and go with the flow

Given their life history, why are we surprised? Teens coming into high school have had almost no control in their life story. They didn’t choose their parents, or where they live, or what economic condition they would endure. They have moved away from their friends as the parents get jobs or flee bill collectors. They are the unintended wounded in divorces and then have to “learn” to get along with parental “friends” or to have to go back and forth between parents. They have to learn to become brothers and sisters to someone else’s children. They have two and three bedrooms in different homes. Some jump from home to home weekly while others make a long summer move every year. The reality of single-parent households often includes a poverty component, or an absent parent working multiple jobs to try to make it. And what choice does the teen have? 

By the time they get to high school, they are numb to relationship building. When they apply some of the standards and practices they’ve witnessed in their homes to their first boy/girlfriends, they experience similar traumatic results. Hearts are broken, and many erect shields of protection as a defense to both students and adults – including teachers.

So when the realities of their short-sighted focuses, crushed dreams and dashed hopes come to bear as they approach time for college decisions, they default into the same mode they already know so well. They just take it. They go with the flow.

Check out 3 Scholarship Strategies That Worked For Me and Mine

The Harsh Reality of Getting To and Paying For College Read More »

The only time I was ever asked for a kickback

Leave a Comment / Fundraising, High Schools, Personal experience, Respect, Sales and Marketing, Selling in the Schoolhouse, Work from Home /

I was working for the national fundraising company and in my first few years as a full-time product fundraiser. I spent most of my time calling on larger groups such as total elementary and middle schools, bands, choirs, leagues.

It was a time when you could still walk into an elementary school, go to the office and ask the secretary if you can see the principal — and have at least some chance that you might. No security cameras, buzzing in, showing id and such. 

It was almost always okay to leave product samples. I would often leave something in the office for the secretary because everyone knows secretaries know everything about what is going on and have the power to get you (or prevent you from) the decision-makers. When I had chocolates available, those were especially appreciated. Principals and group decision-makers would usually accept chocolate samples. 

Other gifts were sometimes problematic. There was a choir director I had worked with for several years. At the time, I was working with a prize vendor who offered novelty phones (land-line, of course). I especially liked the coke phone as a student/seller prize. But I wanted to give this director a piano phone and he wouldn’t accept it — until he was in his last year ready to retire. It wasn’t a matter of “buying” his business (the phone cost @$20) but of genuinely showing appreciation to a long-loyal customer. 

Samples and small gifts were one thing. This story is about something else. I am not including the name of the town, school corporation, school, or individual. I want to emphasize that school teachers, sponsors and administrators are overwhelmingly highly-ethical people with a real desire to help students.

This visit was at a medium-sized elementary school with a principal I had yet to meet. He invited me into his office, closed the door, and sat behind his desk. He was an older guy who appeared to have put in enough time to retire. 

I was immediately shocked when he started telling me how he hated children, hated his faculty and staff….and, well, everything about his job. As a former teacher, I was simultaneously uncomfortable and angry as he continued. But then it got worse.

After what was supposed to be ice-breaking information gathering prior to giving me details to include or address in my “sales presentation”, he asked me a bizarre question that caught me totally off guard;

“If I sign up to do a fundraiser with you, what is in it for me?”

He couldn’t be asking what I thought he was, and I didn’t want to assume, so I implemented my excellent sales training by asking questions.

“You mean what is in it for your school? [Immediately continuing]….your school should earn about $xxx which will help fund some of the needs you already mentioned.”

“Well, yes…..but what about ME? This is going to be a sizable sale with a good amount of commission for you and I want to know what you would provide me in appreciation.”

At that point, I started putting my materials away, stood up, thanked him for his time, and told him I couldn’t work with him. 

As I made my way to open the office door, he mentioned something about confidentiality, and when I glanced back his facial expression was something in between anger and fear. 

I never went back. 

The only time I was ever asked for a kickback Read More »

Selmer Series 10 and mouthpiece updates

College Prep, Family, News and Happenings, Personal experience, Public Schools, Repost, Solo Prep, Teaching /
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 »

Rossini

High Schools, Music Department, Personal experience, Repost, Solo Prep, Teaching Music, Technology in the Classroom, Throw Back Thursday /

Clarinet soloA few years ago, probably the last time I played thru a top-tier piece, I was alone on the local hs stage using Smart-accompaniment on a laptop and audio recording via phone…. I was probably preparing to assign it as I had made cuts for solo festival limits. I did flub the final 38-note run up to that high Ab (couldn’t hold onto it)…. but the rest of the 7-pages went well and fast, phone audio microphone considered.

Anyway… I recently shared the online link for someone to listen for some of the things we’re working on … (scales, arpeggios, chromatics, articulation, ornaments, etc). Told the parental I was going to look for the music. FOUND IT, well Joan did. No, not going to assign (yet), but do intend to use it for the above-mentioned fundamentals.

Rossini Read More »

It hurt worse than a paddle (I think)

Leave a Comment / High Schools, Personal experience, Respect /

Summer Band went along the schedule of Summer School; 8am-noon daily. There was a 15 minute break in the middle of the day that you could buy pop or snacks, or just rest up, or do something stupid and get in trouble.

keyed switchThe new Science Building (which also housed the gymnasium and the band room) had been opened only a couple years earlier. It had a new type of light switch throughout — that required a key, but would also work with a properly inserted fingernail file. 

One one of those mid morning breaks, a small group of us were going through the building with a fingernail file. If the light was on, we turned it off. If off, we turned it on. Nothing damaging. 

I even remember exactly where the light switch was that I was operating the file. It had become stuck and I was trying to get it out. Someone behind me said, “Copenhaver’s coming”. Yeah, sure, right?

I finally got it out and, as I turned around, standing completely inside my comfort zone, was Mr. Copenhaver. No one else in sight.

“Go wait for me in my office”, he said calmly.

I hadn’t spent much time in his office. I could see his large Phi Mu Alpha paddle hanging next to his desk. He did use that. Sometimes in inspection practice (inspection was part of some competitions), he would carry that paddle as he walked in front of the line. If your instrument didn’t pass the white glove test or if you moved, he would say, “That’s one.” That meant that an eternity later when he was on the next line behind, he would whack you with that left-handed paddle. And if the paddle made you move — he’d do it again. For the record, I never got the paddle in inspection. 

Sitting in his office, I fully expected at least one of those whacks. 

He left me there for an uncomfortably long time — on purpose, I’m sure. 

Eventually, he came into the office, closed the door, and sat in his desk chair facing me. 

He looked at me and calmly said,

“I’m disappointed, John. That’s all. You can go.”

The paddle would have hurt me less than that. 

I spent the rest of my high school career trying to make him proud. I think I did. 

It hurt worse than a paddle (I think) Read More »

Jr High Detention – twice + 1 extra day

Leave a Comment / High Schools, Personal experience, Respect /

I didn’t get in a lot of trouble in school, and never for anything disrespectful, hurtful or damaging. I was never “sent to the office” because of behavior in a classroom. But I did get at least three days of detention that I recall. I’m not sure detention straightened me out because I don’t think my mischievousness caused any long-term harm. 
…

Jr High Detention – twice + 1 extra dayRead More »

Jr High Detention – twice + 1 extra day Read More »

Only one American in this worship ensemble, the rest – Ukranian

Family, Personal experience, Respect /

The Worship Ensemble in son’s church this morning included one American, one American-born Armenian…. and the rest all Ukranian — from the church’s Russian-speaking Ukranian Growth Group. That is genuine outreach. btw…I couldn’t pick up on the Ukranian vocalist’s accent….but Joan did… Don’t say anything political, because this is not.

The Heart of Worship

https://www.youtube.com/live/UDCtEk5hSDA?si=TgclxFyLqx2BmRMY&t=1002

Sovereign Over Us

https://www.youtube.com/live/UDCtEk5hSDA?si=1Pj0rgp3JbPhg5Tw&t=1248

Only one American in this worship ensemble, the rest – Ukranian Read More »