People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
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When my husband got fired, I was scared. Not just for me, but for my family. Why? Not
only the obvious reasons but having to deal with personal finance for the first
time (during a crisis, no less) was overwhelming. Especially because I thought you needed a
finance degree to figure it out. I knew that we were in a huge financial mess,
not because of the specific details of our situation, but because neither my
husband nor I knew where we stood. How
could two highly educated people be so clueless about their finances?! It may be human nature to fear the unknown, but feeling you have to face things alone makes it even worse. I knew my husband wasn't going to be much help, so I turned to my sister, the one with the M.B.A., hoping that she'd tell me what to do. Instead, she insisted that I had to learn to do it myself, not only for my own good but so that I could then "teach" my daughters. Luckily, she guided me step-by-step, although the last thing I ever expected was that she was keeping notes and would turn my crisis into a book! (She thought it would make a great sitcom!) |
| What are big sisters for? Anyway, fast forward to the first time I remember hearing the term "financial literacy." It was when
we were asked to "teach" it at
KIPP Houston High School, and although they explained it as understanding
money and personal finance in order to make smart financial decisions, I did
not like the term. It immediately made
me think that the opposite of being financially "literate" is being "illiterate," which has a
negative connotation of being uneducated or ignorant when, in reality, it is a
function of never having been exposed to the subject matter and/or recognizing
its importance.
Red and I are perfect examples. She had been a straight-A student who went to a prestigious college yet managed to avoid learning about money and personal finance until she was almost 40. My situation was even more extreme. I have an undergraduate degree in Economics, and an M.B.A. in International Finance, yet did not apply what I learned about money (on a macro, or big picture, level) and corporate finance to my finances until I was almost bankrupt. |
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Black
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THE CONVERSATION STARTERS
- Have you or your family been personally affected by financial literacy issues or challenges? If so, how have they impacted your life?
- Why do financial matters and topics seem so daunting?
- How is it possible that Red and Black, both highly educated people, could be "so clueless" about their own finances?
- Obviously, becoming financially literate has a profound effect on the individual. What are potential ripple effects?
P.S. – You might be interested in this animated video on Personal Finance we did as part of a soft skills series for The Greater Houston Partnership's UpSkill Houston initiative.
People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
Health literacy is more than just reading a prescription label or following a doctor’s instructions; it’s understanding our health – from basic information to making choices that support our well-being. And October is Health Literacy Month, although it may take more than a month to figure it out.
But if it makes you feel any better – Red found the term “health literacy” both intimidating and boring, while Black thought it was off-putting …
| As a mom, over the years, I've had to become familiar with various
children's health issues and basic
healthcare (and don't get me started on health insurance). But whenever it was something more than the common
cold or flu, a stomach ache, or the usual scrapes and bruises, I felt like I
was back in school. And between the
terminology and trying to understand how the body works, I often felt like I
needed a nursing degree. Not to mention,
there's so much information on the internet, it can be overwhelming as well as confusing
and sometimes scary.
Over the years, I've also had to deal with my aging parent's more serious health issues, and I've lost count of the pages of notes I've taken and questions I've asked. Or the conversations discussing risks vs. benefits that I've had with medical professionals and my sister. (I'm glad Black finds statistics "fun" and can look at them unemotionally because they give me a headache.) |
| Until recently, I had never heard the term "health literacy," and when I
first did, I initially thought about general literacy skills such as the
ability to read and understand numbers. Skills that are essential if you are sick and need health information
and services, but also impact health decisions that should be simple, like filling
out forms, taking over-the-counter drugs (aspirin, cold and flu remedies, etc.),
and learning about the things we should (or should not) do to live a healthier life
and reduce the chances of serious illness.
But then, I thought about how anytime I had to deal with a health issue, especially ones that could potentially be serious, it was a tedious, complicated, and technical challenge. And, at the risk of sounding arrogant, I like to consider myself well-read, pragmatic, and comfortable with numbers and research documents. In other words, although it impacts some people more than others, the issue of "health literacy" affects us all. (And, that does not even address what it does to the cost of healthcare.) |
red head
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THE CONVERSATION STARTERS
- Before now, have you ever thought about "health literacy"? How would you describe it? What impact does it have on your life? How can it impact your ability to be successful in the workplace?
- Why do health and healthcare topics seem so daunting?
- Does health literacy only impact you when you are facing health issues? Explain your answer.
- Have you ever had a medical situation or condition that required you to learn more about it? Where did you seek information? Did you have any problems learning about it? Explain your answers.
P.S. – You might be interested in our Conversation Starters for Financial Literacy and Digital Literacy.
People have told us they're using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created "Conversation Starters".
|
Growing up on Long Island in a Jewish home, I didn’t think
twice about my best friend (who’s still a close friend) being Italian, although
we did have different cultural and religious beliefs. And although we lived close to New York City,
it wasn’t until I went to college in North Carolina that I met a Black person
(and a Southerner, no less). She and I
quickly became good friends and laughed at the fact we had the same last name,
but that’s where the similarities ended. Yet, I had never really thought about
diversity,
or to be honest, even heard of the term, until you had us working on
Career & Technology Education
(CTE) curriculum, and we did a soft skills worksheet
on it. That’s when I discovered that
“diversity” was actually a “thing”, although lately, it seems to have become a
political
topic
.
But once I was aware of it, I realized how much I learned from being friends with people who have different perspectives and experiences than I do. Of course, having a sister who at times seems more like a Vulcan, likes to push me outside my comfort zone, and makes me look at things from different viewpoints, has made me a better person – both in terms of newfound knowledge as well as a greater appreciation for how and why others may see things differently . |
| Vulcan or otherwise, there were things to learn from Spock, which highlights the importance of diversity. In the broadest context, diversity introduces us to unique experiences and perspectives. In the workplace, it is often referred to as Diversity, Equity & Inclusion (DEI), but I will stick with diversity (for now), which includes not only race, sex, and age, but also gender and sexual orientation, disabilities, religious beliefs, and socioeconomic status, and I am guessing there are other differentiators. I think it is as simple as accepting that not everyone is alike. (How boring would that be? It would be like only having vanilla and chocolate ice cream.) And, recognizing that differences are not right or wrong; they are differences. From a business perspective, the more you look at things from different angles and perspectives, the more fully (and more creatively) you will see things, which in turn, helps you better understand and provide value to your target market. I know I said I would not get into equity and inclusion, but I love this quote from Vema Myers, “Diversity is being invited to the party, inclusion is being asked to dance.” |
THE CONVERSATION STARTERS
- Define diversity. What does diversity mean to you? What are its challenges and benefits?
- The concept of diversity in the workplace encompasses acceptance and respect. But that also applies to your personal life. How can your actions and behavior help or hinder the situation?
- Are your friends and workplace associates a diverse group of people? If so, what have you learned from them? If not, why not? And would you be willing to proactively get to know people outside your "usual” circle?
- Do you think “diversity” is seen differently by different generations? Why?
Design by Sawyer Pennington
People have told us they’re using our sisterly banter to start conversations with others (family, friends, and even in classrooms), so Black created “Conversation Starters”.
|
I’m really looking forward to Thanksgiving this year,
especially since last year was the first since Mom passed away, and the dining room table seemed incomplete. Which may partially explain why we ended up
sitting around the kitchen table and island instead. And that was wonderful – so relaxed, easy,
and fun – but I still couldn’t help but think of her not being with us. It’s funny because, over the years, even as
life changed, such as the girls growing up and going off to college, I’ve
always taken for granted that Thanksgiving would somehow always remain the
same, cooking the same dishes, with all the preparation beginning days in
advance. So, I'm not sure that I truly stopped and appreciated each Thanksgiving Day as I was so focused on everything I needed to get done. This year, though, I plan to take a moment to stop and think about some of the things I'm thankful for, and to start appreciating the day itself. To try to "be present", so to speak, in the present. |
| I know that Thanksgiving is about giving thanks, but what
you just described is gratitude. Gratitude is "deeper" than
thankfulness, and the best way I can describe it is … think about when
you might write a thank you note – someone gives you something or does something
for you. It is a fleeting event. Now think about if you were to write someone
a note or letter of appreciation.
You have repeatedly told me that mere mortals often need reminders, so what if this Thanksgiving you start a "gratitude habit"? Make a daily appointment with yourself to find a few quiet moments and write down at least one thing for which you are grateful. It can be as simple as sunlight on your face or the crunch of an apple. You are probably rolling your eyes right now, but it will only take a few minutes and can change your life. Or, at least, how you look at it. |
THE CONVERSATION STARTERS
- If you look back, what or who would you appreciate (or appreciate more) that you didn’t at the time?
- If you begin to appreciate the value of appreciation (pun intended), what might you want to be mindful of going forward?
- Do you think a "gratitude habit" might be useful? Would you be willing to "test-drive" (Black's words) one for a month and see if your opinion changes? Explain your answers.