Words & Banter

The History Of Credit Cards?

Design by Sawyer Pennington, Underlying photo by Jon Tyson on Unsplash

Who would ever think of “celebrating” credit card debt? Not celebrating paying it off – celebrating a mountain of credit card debt. Well, Black thinks Red’s credit card debt is worth celebrating, or at least this story about it is. And not just because April is Financial Literacy Month.

When Red was in the midst of her crisis (her husband unexpectedly got fired), she was freaking out about everything, especially money. And specifically, her credit card debt. If she could have remained an ostrich with her head in the sand, she would have. But Red knew she needed to face the facts (although she hadn’t run a total of how much they owed on credit cards, she knew it was a lot), so, with much trepidation, Red turned to Black, hoping she’d just tell her what to do.

Instead, Black wanted to give her a history lesson. On credit cards?! Black doesn’t even like history. And even though Red, who loves history, didn’t want to hear it, she decided to take the path of least resistance and humor her sister.

At first, she found it mildly interesting, but then that “unwanted” history lesson changed Red’s life. That might sound like an exaggeration, but it’s not. Because as soon as Red changed how she looked at credit cards, it changed how she used them.

Don’t believe it can make that much of a difference? Read “RED & BLACK … The History Of Credit Cards?” and decide for yourself.

credit cards
Words & Banter

Think About It ... Have You Ever Wanted A Second Chance?

Design by Sawyer Pennington, Underlying photo by Ye Jinghan on Unsplash

Second Chance Month may almost be over, but giving someone a second chance, especially for those who’ve been on the wrong side of the law, shouldn’t end when April does. Because we’ve all made mistakes, and a second chance is a gift that can make all the difference, as Red dramatically learned below …



red headred headassets.rebelmouse.io

 I had no idea that April was “Second Chance Month” until you sent me the official proclamation. I find it interesting that in the midst of juggling our usual million and one Red & Black things, your interest in criminal justice, which I know you consider a “passion project”, is as strong as ever, maybe even stronger.


Black's HeadBlackassets.rebelmouse.io

It is not intentional, sometimes “passion projects” find you. And, when you least expect it.


red headred headassets.rebelmouse.io

Or where you least expect it! Only you would take a “field trip” to a men’s prison.


Black's HeadBlackassets.rebelmouse.io

I will not get on my soapbox about how our education system contributes to the criminal justice problem. I will never forget a friend of mine who was formerly incarcerated telling me, “Rehabilitating people makes the assumption they were habilitated in the first place.”


red headred headassets.rebelmouse.io

When you stop and think about that statement, it’s pretty powerful! But I have to smile as once upon a time you, and I, used words like “offenders” and “prisoners” until we learned how our choice of words could be dehumanizing.


Blackassets.rebelmouse.io

Says the woman who once believed in the idea of “lock ’em up and throw away the key”.
Keep Reading ...Show less
criminal justice
Words & Banter

Now ... It’s Time To Look At Autism Differently

Photo by mevans on iStock
We first ran the post below five years ago, and we’re glad April’s no longer Autism Awareness Month but now is Autism Acceptance Month. Especially as autism seems to have become more commonplace (partially due to improved diagnosis, but also less stigma). Most important, though, is learning about autism, including how to talk about it in a non-judgmental way … because that’s what helps all of us move from awareness to acceptance.


red headred headassets.rebelmouse.io


Did you know that April's Autism Awareness Month? I wasn't aware (pun intended) of it until I read our local homeowner's monthly newsletter and it caught my eye.


Black's HeadBlackassets.rebelmouse.io


Actually, last month the founding organization, the Autism Society, changed "Awareness "to "Acceptance" to foster inclusivity, as knowing about something is very different from accepting it. But I am guessing that is not the point of this call.


red headred headassets.rebelmouse.io


Although it isn't autism, it reminded me of years ago when we found out that Natasha has learning disabilities.


Black's HeadBlackassets.rebelmouse.io


I think you mean DIFF-abilities.


red headred headassets.rebelmouse.io


Of course, that's another thing I remember. I was focused on the negative aspects of her diagnosis until you asked me, point-blank, "Why are they called disabilities?" And proceeded to explain that everyone has different strengths and weaknesses.


Black's HeadBlackassets.rebelmouse.io


Exactly! Imagine the world if everyone excelled at math, but flunked English. Or, a world of lawyers, but no musicians. Some people are better at social skills, while others excel at handling technical data. Why not just say that people who have different skillsets and abilities have DIFF-abilities versus making them feel like they have shortcomings?
Keep Reading ...Show less
mindset & perspective
Words & Banter

Adult Education Lessons … From The Racetrack?!

The last time I was in Indianapolis, I became the first woman to race the road course at Indy (Indianapolis Motor Speedway) — in a Ferrari Challenge support race on a Formula One (F-1) weekend, no less. Although I did not know it at the time.

So, when I heard about a national conference of adult educators being held in Indianapolis, I thought it was the perfect location.

Are you wondering, “What is the connection?”

In racing, people focus on the driver. The one in the car. The one who crosses the finish line. But, that is not how racing works. No driver is alone — there is always a team with us. Plus, we are constantly learning — from coaches, from other drivers, from trying something new. And, adapting — to changing conditions, new technology, more experience.

There is an old racing axiom,

To finish first, first you must finish.

But, even more basic … you cannot finish if you do not start. And, for many adult learners, starting is the hardest part. Some are doing it for the first time. Some are trying again. All are stepping into something uncertain. For some, it is scary. For others, it is exciting. Often, it is both. No different than when I go to a new track.

There are many similarities between racing and adult education. So, if I could provide adult educators with just one takeaway, it would be this,

You are an integral part of the student’s “crew” … You are often the reason people start. You make sure they are not alone when they do. You help them get to the finish. And, without you, they might never get out of neutral.

So, throttle on.

adult education