| If we had published this month’s column before July 4th, we could’ve written about independence. Now, it’s too late. |
| July 4th may be celebrated with barbeques, parades, and fireworks, but I doubt many people stop and think about what our country’s independence means to each of us. |
| I hate to break the news to you, but it’s summer. Kids are out of school, people go on vacation, and July 4th is a holiday. Not a solemn occasion. |
red head
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Black
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| My point exactly. People forget its significance. |
| I agree, but you’ve never been one to walk around waving the American flag. |
| True, but there are other ways to demonstrate your patriotism. |
| That’s a word you don’t hear very often. I wonder why. |
| Part of me wants to say it is because it sounds old-fashioned. But, then I think about how “patriot” can have very different connotations in today’s political arena. |
| PLEASE … no politics. In fact, there are days I wish I had a sweatshirt that said that. |
| That is funny. And, there needs to be another one with “WARNING: I talk politics.” |
| Well, add those to the long list of T-shirt ideas we have. |
| Will do. Which reminds me, I need to send you the recent New York Times article about how “American Made” T-shirts are having their best year yet. Apparently, people are willing to pay considerably more for an American made T-shirt. And, ones from American Giant that had “American Made” printed on the front, and sold for $60, sold out the first day. |
| Really? I remember the first time I thought about the concept of “Made in the U.S.A.” It was when you decided to print our book in the U.S.A. Before that, it never dawned on me to check labels. |
| I guess you do not remember that advertising jingle from the late 1970s, “Look For the Union Label,” that touted buying clothing made in America. |
| Nope. But I’ll never forget you were willing to print our self-published book here even though it doubled the cost. And although I still laugh when you say, “Printed in the U.S.A. is the most expensive sentence you’ll ever publish,” to this day, your decision still amazes me. |
| It amazes me that it ultimately became part of a lesson plan for high school students. For me, it was just a business decision. There was no way I was going to send my money to China. |
| I thought it was a very expensive decision, but I figured you knew what you were doing. Plus, it was your money. |
| Since you own almost half of the company, it was your money, too. |
| I don’t see it that way. I’m only contributing sweat equity, whereas you’re paying for everything. |
| But, that does not change the ownership percentages. Or, the fact that not everything of value can be calculated in terms of dollars, contrary to what accountants may think. |
| That may be true, but us “mere mortals” make most purchasing decisions based on cost alone. |
| Which is why our printing decision makes such a great example. If you just crunch the numbers, it is a no-brainer. Print in China. But, sometimes, you have to factor in non-financial considerations … like your values and priorities. |
| I understand that now, although, at the time, I thought you were crazy. Especially when you made R.R. Donnelley (RRD) defend their pricing. |
| I wanted to understand why it cost so much more to print here. As expected, part of it was related to labor costs (we have minimum wage and child labor laws) and regulations controlling workplace health and safety standards. Plus, there were already significant environmental laws. |
| And until we printed our book, I never even knew about any of those things. But now I realize how important they are. |
| Important … and expensive. There is a price, often hidden, for maintaining high standards. Someone has to pay for it. |
| Good thing you could afford it. |
| Agree, but even if I were on a strict budget, I would have found a way to print in the U.S.A. I could have downgraded the paper, used a single-color press instead of a two-color one, or printed using a less expensive process. In fact, part of my logic for printing 25,000 copies was to get the cost per book down. |
| I wish you hadn’t reminded me of that. I try not to think about how many copies we still have left. Having said that, for a self-published book, where we’ve spent more time on philanthropic pursuits in the education and criminal justice worlds vs. marketing, having sold more than 14,000 copies is pretty impressive. |
| I guess that makes us a “bestseller” since 90% of self-published books sell less than 100 copies. But, the point I am making is that it is important to me that we support U.S. businesses. |
| Says the woman with Hermes handbags from France and European cars. |
| Does it make you feel any better that when it came time to replace my washer and dryer, I bought American made? Just because I may not always buy American does not mean I do not make a conscious effort to do so whenever I can. |
| Well, from now on, I’ll try to be better about it. The key will be remembering to stop and think about it. |
| Maybe we need to do a T-shirt that instead of declaring it was “Made in the U.S.A.” turns it into a question … Made in the U.S.A.? |
| Make it a long-sleeve shirt or a sweatshirt, and I’ll take two! |
Red
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Tonight is the first night of Chanukah (FYI, there are multiple "correct" spellings), and while Red may be celebrating the Festival of Lights with potato latkes (pancakes), when she lights the menorah to symbolize bringing light into darkness, she’ll be laughing at Black’s car analogy …
| At the risk of Black coming up with another potato analogy, for me, Chanukah's all about potato latkes. The childhood memories of our dad grating pounds and pounds of potatoes to the point where I'm not sure I could see our kitchen table, many decades later, my eldest daughter taste-testing latkes from an assortment of places. (I love to cook, but latkes are a lot of work.) Of course, the lighting of the menorah is also such a special part of the holiday celebration, whether the electric menorah that my parents had where you would "twist" each light bulb as the nights progressed or the more traditional menorah with candles that my daughters and I light each year (and never leave unattended). |
| I never cease to be amazed by the miracle of Chanukah (regardless of whether you spell it Chanukah or Hanukkah, or some other variation) and how the oil that was only supposed to last one day instead lasted for eight days. It is as if your cellphone indicated it is at 12% but lasts eight days. Or, if the gas gauge in your car indicates you have 25 miles left, but you are able to drive 200 miles. Sometimes things happen that defy logic, and that is where faith takes over. And, a belief in something bigger than all of us. |
Tomorrow is the start of Chanukah, the Festival of Lights, which celebrates hope and miracles – and who could not use hope and miracles?
Happy Chanukah!
Every year on #GivingTuesday, Red tells Black that she knows how important giving is – whether time or money – but, unlike Black, she doesn’t have a meaningful charity that’s been part of her life for decades. We often “repeat” the conversation below, but this year, Black suggested that Red use #GivingTuesday to think about what charity inspires her or holds special meaning, and then get involved. Making it personal often ends up making it a year-round passion rather than a one-off obligation.
But no matter how you approach charity, beware of potential scammers. And, if in doubt — check them out! (Black likes GuideStar and Charity Navigator.)
| I know today’s Giving Tuesday, but what I always find so amazing is how you treat every day as “Giving Tuesday." |
| What makes you say that? I do not donate to an organization or charity every day. |
| You’re always so literal. I meant that the spirit of “giving to others”, whether donating or providing support in some way, seems to be part of your daily life. |
| I think you are exaggerating. |
| Really? What about your involvement with The Make-A-Wish Foundation? That’s been going on for years. And it didn’t take a “holiday” to get you involved. |
| Actually, it was a golf tournament decades ago. But once you see the difference you can make, even if it is a small donation because they add up, it becomes a way of life. Or, at least, it did for me. |
| I know you’ve quietly done things for other organizations and people, too. Living in the Houston area, we have no shortage of natural disasters, and we’ve seen people’s generosity. But what I like about GivingTuesday is it’s not waiting for a specific event because there are so many worthwhile charities that need our support every day. |
| Agree. And, although I am not always a huge fan of social media, #GivingTuesday – note the hashtag – started in 2012 to harness the power of the internet for hashtag activism and, more specifically, to inspire people and companies to give back. |
| Well, social media or not, I know how important it is to give back and help others. And it’s not always about money. Sometimes they need people to donate their time or expertise. I just wish we didn’t need a tragic event or “special day” as a reminder. |
| So, now that you have been reminded, stop talking to me and do your fair share for #GivingTuesday. Trust me, you will be glad you did. |
Today (Black would probably say “every day”) is the perfect day to give back to others, so check out this great list of ideas and pick one (or more) and become part of #GivingTuesday!
What’s so funny about the holiest day in Judaism, Yom Kippur, the “Day of Atonement”? A day where you fast as a way to help you deeply reflect on your past year, asking forgiveness, and then promising to do better.
Well, technically, nothing is funny about the holiday, but every time we think of this speaking engagement, it makes us laugh (as it did our audience) …
| I know that Yom Kippur isn't exactly known as one of the "fun" Jewish holidays, but every year, I can't help but laugh at what's easily my number one Yom Kippur memory. |
| That is what makes memories … memorable. And, finding something to laugh at on Yom Kippur, the Day of Atonement, which is probably the most important and solemn Jewish holiday, would be memorable. |
| I can't believe you're not even curious what it is!? |
assets.rebelmouse.io | You know I love to "connect the dots", and all you had to say was Yom Kippur, fun, and memory. Obviously, it was when RabbiScott asked us to speak before his congregation on Yom Kippur. |
| Well, I still find it surreal that we were asked to speak about money on one of the High Holy Days. And that we titled our presentation, "Oy Vey, You Want To Talk About Money?" |
| The day is about reflection, making fundamental changes – or at least adjustments – and trying to become a better person. And, just because it is a spiritual journey, there is no reason you cannot make learning fun. |
| True. I remember the time Rabbi Scott put a piece of aluminum foil in the children's Yom Kippur service program to help them understand that Yom Kippur's a day for reflection. But even you must admit that making a congregation laugh about money on a religious holiday is a bit much. |
| But, memorable. A few years later, I met someone who attended that service, and he said he's never forgotten it. |
| For the content or all the food analogies?! I can remember we started by saying how we just wanted to give everyone some food-for-thought and then saying, "Oops, since Yom Kippur's a day of fasting, maybe bringing up the subject of food wasn't such a good idea." |
| Of course, it did not stop us from doing it, again and again. |
| How else could we explain our unexpected journey into personal finance without mentioning it started at our first speaking engagement … which was at a Jewish Federation breakfast? |
| Or, how our detour into criminal justice started with me meeting with the chaplain at a men's prison? But I knew it was meant to be when she told me they had the only kosher kitchen in the Texas prison system. |
| And each time we looked at each other and then the audience, and we all laughed! With each mention of food, it just got funnier and funnier. But there was no way to avoid it. |
| I know. How could you tell the story about realizing all the money you were mindlessly spending at Jamba Juice without mentioning your almost-daily smoothies? Or, how you went grocery shopping at Whole Foods because it was convenient but not cost-effective. Anyway, until that day, I never realized how so many of our stories have to do with food. |
| I think the highlight was toward the end when I was explaining how I felt overwhelmed trying to tackle personal finance. That at times, things seemed insurmountable, and then you told me … it's like eating an elephant, you can do it, just one bite at a time. And everyone started laughing again. |
| On any other day, I doubt that analogy would make you think of food. But, on Yom Kippur, and especially since we were presenting after at least 15 hours of fasting, everything makes you hungry. |
| I guess it's like being so tired that you get slap happy. But I never thought a day of atonement and reflection could end up becoming a day of laughter. |
| On Yom Kippur, we wish people an "easy fast" or a "meaningful fast"… and if a bit of laughter, even if not intended, helps, what is wrong with that? |
| Good point. For that matter, you don't need to be Jewish to take a day, or even just an hour, to stop, to think, and to improve. |
| No fasting required. |