| Sometimes I really question whether we're sisters. I know you love research, but some of us, myself included, find studies and statistics boring. And tedious. |
| Ah, but at least you can read and understand them; you just do not want to. Huge difference. |
| Good point. Although I do struggle with statistics as, unlike you, I've never been comfortable with numbers. |
| Is this going to be one of those philosophical conversations, or do you have something specific in mind? And, FYI, having skill with numbers and mathematics is called numeracy. |
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| Whatever. Although I'm guessing numeracy falls under the umbrella of literacy. And, yes, I'll admit that, until recently, I thought "literacy" just meant the ability to read and write. |
| Most people do, which is understandable since it is the dictionary definition. I will not quote statistics on how many people do not have those basic skills, but even if you do, it does not mean you know how to apply them to ask questions, get information, and make informed decisions. That is functional literacy. |
| Even though I was a straight-A student with a college degree, that's one of the first things you had to teach me when I had my "crisis". So, why do I feel like I'm about to become a poster child for illiteracy?! |
| I hate the word "illiteracy" as it has a negative connotation of being ignorant or uneducated when, in reality, it probably is never having been exposed to the subject matter and/or recognizing its importance. |
| Like me when it came to money. I was 40+ years old and not only didn't know how to budget, I never even thought about why it was important. But it wasn't until we were asked to develop and teach a personal finance course at KIPP Houston High School that we learned it's called "financial literacy." At the time, I thought it was the education world using an impressive-sounding phrase instead of being more straightforward. |
| Terminology aside, financial literacy is about making informed financial decisions. Regardless of your financial situation, as I have proven. Remember, early in my career, I almost declared bankruptcy because I did not apply what I learned in business school and the corporate world to my finances. |
| That story always seems to resonate with so many people, myself included. Especially if we're looking for a reason, or
at least an excuse, for not knowing what we should know. I used to think,
"Ignorance is bliss." Until you made me
understand that what I don't know can hurt me. And my family. |
| It is even more far-reaching as there is a ripple effect on communities and cities, and so on. Before reading Houston's Adult Literacy Blueprint, the joint initiative between the Mayor's Office of Adult Literacy (when created in 2019, the only office of its kind in the nation) and the Barbara Bush Houston Literacy Foundation, I never realized the impact of literacy – including financial, digital, and health literacy. |
| I admit that when you sent me the Executive Summary, I only looked at the quotes and sentences that "pop out" from the rest of the text. But, even so, I was truly shocked to learn that one in three adults in Houston lacks the necessary skills to fully participate in the workplace and society! And when I saw the "What is functional literacy?" diagram, I not only didn't even know what digital and health literacy meant, I was almost too embarrassed to ask. |
| Hence the purpose of the Blueprint. It is a strategic plan to ensure more adults acquire the literacy skills they need to succeed in the workplace and in life, but also is a document to raise awareness of the issues. |
| Be honest. Besides people like you, how many will read the summary, let alone the full report? |
| For organizations or companies addressing the problem, it is a valuable document. If you are looking for employees or are interested in breaking the cycle of poverty, it will be of interest. Or, maybe you merely need documentation to satisfy people who want "proof" or supporting backup about the importance of literacy. |
| But isn't it important for all of us to understand the importance of literacy since it impacts all of us? |
| Yes. But, as you said, it is unlikely people will read the studies. Good news is September is Adult & Family Literacy Month, and that should help increase awareness. So, how did you find out more about digital literacy? And, I am talking about the concept, not you personally, as I know that in an ideal world, you would never have to deal with technology, whether your computer or your cell phone. Although you have become more tech-savvy than you realize. |
| Until we met with Jackie Aguilera from the Mayor's Office of Adult Literacy, I never thought about how you need basic digital skills (such as emails and other communication tools, using the internet, and even the ability to get on a Zoom call) not only to be able to get a job and move up the ladder but now, thanks to the pandemic, to attend online classes. |
| Plus, using the internet means you need the ability to find and understand information, especially to make sure it is accurate and credible. Unfortunately, so many people repeat whatever they find, thinking it must be true. |
| That's a topic onto itself. But let's face it, not everyone's as critical as you. |
| You say that like it is a bad thing. |
| Cute. But lately, there's no shortage of conflicting information, whether on the internet or in the media. And it's confusing. For example, the COVID-19 vaccines. Which brings up health literacy. Again, I didn't know what it meant until Jackie explained it could be something as basic as the instructions on a prescription or the nutritional information on food packages, but it's all part of understanding general health information and services to be able to make smart decisions. |
| Even I find health issues confusing. Too many moving parts to our body and, like a car, so many things that affect its performance. |
| Of source, a car analogy! Well, it turns out that I'm health literate and I didn't even know it. Who knew that all those years asking questions about the girls' health issues – ranging from routine ailments like colds and stomach aches to sports injuries and reading challenges – to the more complicated and long-term issues that first daddy and now mommy faced – were all part of my "training" in being health literate?! |
| Yes, but remember when it specifically came to health insurance, you initially needed plenty of help deciphering it. Until you realized it followed the same formula as everything else … ask questions, get information, make informed decisions. |
| The funny thing is that, at first, when it was financial matters, I didn't think I could do it. But once I tried, I realized I could. Which then gave me the confidence – and motivation – to tackle other topics. Now we just need to tell more people about the power of literacy and how it can be a blueprint for life. |
| We just did. |
Want to read other columns? Here's a list.
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!? |
| 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. |
Photo by michaelmjc on iStock
No matter the reason for a garage sale – whether to get rid of things you’re not using anymore, an attempt to declutter, or estate sale “leftovers” – they can be about so much more than just “stuff”. And is why we’re rerunning one of Red’s favorite posts. Plus, Saturday’s National Garage Sale Day. (Yes, that’s a real thing.)
| Thanks for the accounting of your garage sale. But, given how many hours you spent preparing for it, and then the actual sale itself, did you calculate how much you“earned” on a $/hour basis? |
| No, all I know is that it seemed to take forever to go through everything in Mom’s house and decide what to keep, what to sell, what to donate. And what to trash. As far as the garage sale, I’ll give you your half the next time I see you. |
| Keep my half. You did all the work. I did not even offer to help. |
| And that was a big help. Thank you. |
red headassets.rebelmouse.io | Obviously, you must be exhausted because you are making no sense. |
| Sorry, but I have a specific way of running garage sales, and the last thing I needed was another “cook in the kitchen”. |
| Not a good analogy as “cook” is a four-letter word that I do not use. |
| Cute. But seriously, I knew if I had asked you to help, you would’ve. But I can only imagine how you’d have reacted when you first saw all the stuff for sale. Especially as I treat garage sales as a way to get rid of items that I know have very little value. I’m not trying to maximize the money I make; I’m just trying to make the stuff “go away”. In fact, I don’t even put prices on them. |
| That all makes sense. Except for not having everything pre-priced. That would drive me crazy. How do you know what to charge people? |
| It’s an experience thing and another reason why I didn’t ask you to help. I have a sense of prices, but not something I could quantify in advance. When someone arrives, I tell them that everything’s cheap and give them an example. They usually look at me like, “Wow, she means it.” And then I tell them to collect what they wantand that I promise to give them a good price. And I do. |
| Is that why you and Mom never had joint garage sales? I cannot imagine she would let you determine prices on the spot. |
| Actually, she’s the one who “taught” me not to price things. That if someone picks up something or you see them looking at it, they’re interested. And that’s all you need to know. Where we differed was in how much to charge. To her, it was fun, but also a way to make money. To me, a garage sale isn’t my retirement account. It’s my way to get rid of stuff, especially big, bulky stuff. |
| In other words, people are paying you to haul off your trash. Or, save you trips taking stuff to your local thrift stores. |
| Exactly. Although I still take a lot of items to thrift stores that would probably sell for a decent price at a garage sale because I believe in what they’re doing, and I know that my donations make a difference. But I forgot how fun a garage sale can be, meeting people and laughing, just making connections, and knowing that someone will now enjoy and/or use your things. Or, in this case, Mom’s things. |
| Is there a particular age group that came to your garage sale? |
| It was truly a mix of people. Not counting the kids tagging along with their parents, which reminded me of when the girls would set up a lemonade stand to benefit Make-A-Wish at my garage sales years ago, they ranged from 20-somethings to senior citizens. But I’m almost afraid to ask why you asked. |
| I will not get into studies and statistics, but younger people are really into the environment and reusing older things, especially clothing (which is one of the three “new” R’s – reduce– reuse – recycle). So, garage sales, along with thrift stores, are becoming more popular than ever. |
| I love it! And the idea of so many of Mom’s things, now that she’s passed, will get to live on and be enjoyed by others. |
| At the risk of sounding like a MasterCard commercial, there are some things that money cannot buy. Like sentimental value and fond memories. |
| I know. Which is why the process of sorting everything was so time-consuming. Interestingly, when that came up in conversation during the garage sale, so many people could relate and then shared their own stories. It was as if they wanted me to know that Mom’s things were getting a good home. |
| Well, if you add that to the cash you made, it sounds like a very successful garage sale. Hopefully, the next sale, being an estate sale with larger and higher-priced items, will be as successful. And, although I tried to get you to use a professional“estate sale” company that would do everything for you, I am beginning to understand why you decided to do it yourself. |
| The hardest part was culling and organizing, and there was no way I’d let strangers go through all of Mom’s things. And the internet makes “advertising” the sale and posting items online very easy. All-in-all, there’s no reason we can’t do it ourselves. |
| We?! |
| Yes, because your ability to combine photos into a single image and correct my grammar is important. But your spreadsheets will be critical. |
| Now, that I can do. |
"Too Darn Hot" - Kiss Me Kate | Ann Miller (HD Print)
Regardless of why summers are getting hotter and hotter … they are. Which is miserable for everyone. But, don’t sweat it, we’re rerunning this post as a reminder of what you can do to make the heat just a little more bearable – for you and others. Plus, Red loves the movie clip …
| I know everyone’s talking about the record-setting temperatures because everyone’s experiencing them, but I’m so tired of it being so damn hot out. Or, should I say “too darn hot,” in honor of one of my favorite all-time musicals, “Kiss Me, Kate”? |
| You said it was worse when you lived in Hong Kong and Shanghai because there was little difference between day and evening temperatures and humidity. At least here, it cools off a little once the sun goes down. |
| But not enough. I know I’m getting older, so that doesn’t help, but the heat seems more oppressive, and I’m not only lethargic but cranky. |
| I think the correct word is … crankier. But, if it makes you feel any better, research provides a legitimate reason for being tired and cranky – the more our bodies work to cope with the physical heat, the less we can deal with the associated emotions. |
| Of course, you researched it. |
| And, even though I typically do not “do” nice, the heat makes me realize the need to be patient with people. |
| That’s funny. While everyone else is getting testy, you get nice. But since I know everyone’s feeling the heat, I try to think of others. Even a small gesture can make a big difference. For example, when I runerrands (which, ideally, would be early morning but, realistically, tend to belate afternoon), I make a point to let shoppers walking in the parking lotalways have the right of way since I’m protected from the sun in the comfort ofmy air-conditioned car while they’re outside in the blistering sun. |
| Did you know that heat waves are the #1 weather-related killer in the U.S., killing more people than floods, hurricanes, or tornadoes? That is why they started naming heat waves – so they would get the attention they deserve. And some cities (Miami, Phoenix, and LA) have even appointed heat officers. |
| I didn’t know about that, but I do know that when the girls were small, they needed special attention. Same with the elderly. And don’t forget animals, too! I limit Moo’s outside time and make sure she stays hydrated. I even set the timer for 10 minutes when I let her out. |
| I admit I am very fortunate as I can hide from the heat in my air-conditioned high-rise. But, to help the demands on Houston’s power grid, I have raised the temperature setting on my A/C even though I can feel the effect on my productivity. I have also closed blinds and drapes, unplugged non-essential appliances, and am taking cooler, shorter showers. |
| I have done the same! Although I’ll admit I was prompted by an email from my electricity provider. It also had great tips for the best time to run appliances, like trying to avoid the hours when most people get home from work as they turn on or lower A/C’s, run ovens and washing machines, etc. |
| There is much we can and should do, but I do not want to start talking about global warming or climate change, or who is to blame, even though it is a “hot topic” (sorry, could not resist). |
| Well, I hear this month’s being declared the hottest month ever, and hopefully, we’ll weather, pun intended, this summer’s heat. But I’m afraid things are only going to get worse over the coming years. |
| Agree, but for now, all I have to say is … if you must go out in the heat, PLEASE avoid these eight mistakes. |