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.

Photograph of Jackie Aguilera courtesy of Jackie Aguilera

Every time we meet with Jackie Aguilera, we’re still in awe of her expertise and experience in adult education. She continues to bring creativity and passion to her students, while also raising awareness that literacy is about so much more than reading and writing. September is National Literacy Month, so we’re re-running this post because it’s even more relevant today than when it was first written.

Although we have an update: Jackie’s no longer with the Mayor’s Office of Adult Literacy, but given the high demand for her expertise, we wonder if she’s going to take a position with another entity or share her knowledge as a consultant. Regardless, we know she’ll remain a bright light in the world of adult education.



red headred headassets.rebelmouse.io

I have a confession to make, which I’m sure will make you roll your eyes.


Black's HeadBlackassets.rebelmouse.io

Interesting caveat and probably true.


red headred headassets.rebelmouse.io

Every time we meet with Jackie (Aguilera) from the Mayor’s Office of Adult Literacy and hear what she’s doing in the world of adult education, I feel like I’m back in school and having to take copious notes.


Black's HeadBlackassets.rebelmouse.io

I am more than happy to send you “homework assignments” as I come across relevant articles and research.


red headred headassets.rebelmouse.io

Thanks, but no thanks. I’ll stick to taking notes. But that does explain why you’re so knowledgeable about literacy.


Black assets.rebelmouse.io

But, reading information is very different from being at the forefront of literacy innovation. And, if we had never met Jackie, I never would have realized how literacy is more than the dictionary definition, and encompasses more than just reading and writing.
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Familiar with the saying, "It’s not the heat, it’s the humidity”? Well, with unbearably hot temperatures around the country, does it really matter which it is? Or even if it’s both?! Which is why this older “Ask Red & Black” is still relevant



Red's Headassets.rebelmouse.io


I'm laughing because I suspect Black would argue that I rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red& Black business meeting or speaking engagement, my normal "look" was that of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are oppressive, I'm always looking for tips because the moment you step outside, you're going to start sweating, your makeup will drip, and your hair will either frizz or wilt (neither's a good look for me). So, I keep my skincare simple and summer-friendly – extremely lightweight, tinted facial moisturizer with a high SPF (so I only need a single product) and waterproof mascara.

I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down, but amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference, as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.)


Black's HeadBlackassets.rebelmouse.io


When I started racing cars in the mid-1990s, I cut my hair very short so I could easily style it with some water and hair goo when I removed my helmet, which makes it perfect for summer. (Plus, I calculated that I could save over 10 hours/week, or five full days a year, by not dealing with my hair.)

In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently from someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started as, regardless of the season, I would always have one with me to handle changes in temperature.
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.)



Black's HeadBlackassets.rebelmouse.io

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?


red headred headassets.rebelmouse.io

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.


Black's HeadBlackassets.rebelmouse.io

Keep my half. You did all the work. I did not even offer to help.


red headred headassets.rebelmouse.io

And that was a big help. Thank you.
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