Showing posts with label school. Show all posts
Showing posts with label school. Show all posts

Saturday, July 1, 2017

Learning Excel


When I was working at Swire Coca Cola
Roland and I felt I should be staying home
with the boys.
In February, I said I would be leaving in April
My last day would be April 15th.


In March I was asked to take a class in
Excel.  It didn't seem to matter that I
was leaving. 
It was a fun class - different program than what
I had at home, but I could adjust.
It was nice.





I was grateful that I had been given that opportunity
and keep notebook as well.
though there were many things I learned
that I would never use personally
there seemed to be some that would benefit me
at the time.


Now I am taking an Excel class
again.
I am floored at how much information
can be created in
Excel. 
We are barely just touching surface with
this class.
It is fun to learn and create.

Next week will be my last week for 
these two accounting classes and 
then I will be starting something new



Wednesday, June 28, 2017

Enjoying Riddle

       The school library will be open three times during this summer.  Yesterday morning was the first day and I took Jenna to return the books we already had and trade them for something else. We had also stopped by Soco to have a meeting with the committee for the  Children's Summer Reading Program.  Jenna asked me if I'd take her to the library in Riddle which was also on my agenda, but it does not open until 3:00 on Tuesdays.  We returned home before we went to Riddle.  I took care of some school work.
       Jenna had wanted me to present my Costco card at the library for identification.  I've had it for over seven years.  The picture is of both Jenna and me.  She had really wanted to be in the picture that day, and I was just going to have her stand in front of me, but the man who'd been waiting to take my picture said that we could both be in it.  I like the picture so I keep the card.  Jenna and I both look very different now in real life.


      After we arrived in Riddle and went inside the library, the librarian told us that there was an activity outside.  We went to the pavilion where the drama coach of Riddle High was conducting a session for eight teenagers who had shown for the activity.  Jenna found one of her friends at the activity.  They both seemed to enjoy themselves.  I took a few pictures with my cell phone.  I have cropped out the other kids as I did not ask permission to post them.


pretending to brush her teeth

the instructor had teens pretend they were walking

in various situations

the last two are mirror mirror.  


Jenna had so much fun hanging with her friend after the activity, she forgot about the library or reporting the other books she read.  We may return tomorrow.


Sunday, June 25, 2017

Another Kind of "Road Trip"


          During our winter break from school, students had the option of participating in a discussion on a Winter-what-you-doin' course - I guess you could call it that.  Students were not required to participate -  it was just an option to earn prizes.  I participated just for fun.  I didn't have any other classes.

          This summer the school is offering another "fun" participation with a course called "Road Trip" which I thought I'd be interested in learning more about, but had totally put it out of my head the week we had returned to Salt Lake City.  On the day of the funeral my alarm went off.  "Road Trip" appeared on my screen.  I didn't understand why my alarm had gone off to remind me that I was on a road trip (keep in mind  that I had lost a tremendous amount of sleep by then)


          Before we got on the road the next day to head home (to Oregon) I notice there was an email from one of the instructors reminding us of the "Road Trip" activity through the school.  OOOOhhhh . . . that is why my alarm had gone off.  It hadn't anything to do with our physical road trip.  Okay.  That makes sense . . .

          I had to ask to participate in the Winter-what-you-doin' course as it did not come up automatically.  "Road Trip" did not appear in my curriculum feed and I was okay with it.  I now have two accounting classes and oodles upon oodles of thoughts which I need to record (even if they never get posted) and decided just to forego the schoool "Road Trip" as it would not be a priority for my time.


          While cramming for both of my classes on Thursday, I noticed the "Road Trip"  course had been added to my agenda.  Well, I definitely don't have time for it right now.  I am taking two accounting classes AGAIN - I am still not understanding the language - especially in this frame of mind.  I am still feeling the fatigue.  It's as though my mind has disconnected itself from the rest of my body.  Why doesn't the fat take a hike?  I wouldn't even care to see the fat go permanently.  But I need my mind.  I don't like being this tired.

          I went ahead and clicked on road trip just to see what my options are.  Students have the opportunity for writing assignments between June 11 and July 8.  There are four activities to choose from.  We can write about them all or we can forego participating. 


          Activity #1 option:        Like any great road trip, school is an adventure that requires planning, preparation, and not stopping until you have reached your destination. 

Let's jump forward to a time when you are finished with all your college courses. You have worked hard and graduated. Yay!!! You've been hired to the job you have always wanted, and you are on the road to having everything you waited, worked, and planned for. It's time for a little rest and relaxation. 

Activity #2 option:        You are in school working hard to learn the skills and expertise to get that dream job. Have you thought about what it looks like? Is there a specific company that you want to work for so bad you would do almost anything? Is it close to home, a pretty good commute, or clear across the country?

 Activity #3 option:        The United States is an amazing place. There is not a single state that does not have a historical or natural wonder to enjoy. National and State Monuments and Parks are great opportunities to learn more about our country's heritage or enjoy the beauty and majesty of nature.

What is in your backyard? 

 Activity #4 option:        We have amazing instructors at Independence University. They care about their students and their success. Their goal for each and every course is to help students understand and become proficient in the course material. That way, each student will be successful in the career they have chosen. 

So what do you know about your Instructor?

           I'm certain I could write about my dream vacation much better than my dream job (I don't think a dream job exists in accounting) but I decided to go with activity #3 option.  I've pretty much have written much about the subject in my blog already, so why not condence it into just one assignment.  I came up with over 750 words (not counting title page or references).  I turned that in on Friday.

           "Oregon is My Backyard" has already been "graded".  I will also be submitting an assignment for activity #4, but I will be doing it on one of my former instructors.  I think those are the only two assignments I will be turning in for "Road Trip" this mod.  I haven't looked ahead to see what the subjects are for the next  two mods.  In July and August I will be involved in the Summer Reading program through the Friends of Myrtle Creek Library - and hopefully we'll have our library up and running by then.

Tuesday, June 20, 2017

The Drive To and Return


                As mentioned in this post,  I thought Highway 140 was quite beautiful at some parts and quite scary at others.  The idea of a 50 foot drop and no guard rails is rather creepy.  But that is the way Roland wanted to go - and he was driving.

                I thought 140 seemed scarier driving north than it did driving south - which is ironic, as the drop is on the south/west side.  The drive didn't seem quite as long, either.  But Denise and I had taken I5 through Medford because she wanted to see the temple.  I just  had Roland go by way of Highway 138 to Highway 97 where you can choose to go north up through Bend and over through Boise, or you can drive down south to Lake View and Winnemucca.  

                The Nevada route is only about 30 minutes faster than going through Idaho - provided there isn't any construction or other barriers that might interfere with the normal route, but going south requires a lot more traction and winding - which I somehow didn't believe our car could handle.  But it did.  There were many who'd been praying for our safety and we made good timing, I think.

                Jeanie passed away on the 6th and our plan was to leave on the 7th.  It was Jenna's final week of school and she'd been planning on dressing up for each day.  She'd been looking forward to her final week of school this year and to watch her 8th grade friends graduate.  She cried when Roland told her that she would not return to school.  


                I was appalled at Jenna's behavior - obviously thinking more about the inconvenience of her own plans than for thinking about her brother and the grief that he may be suffering.  Death is rarely convenient for any of us.  I did talk Roland into allowing her to go to school one last time.  We still needed to go to Roseburg to get a rental car and bring it back to the house in order to pack it up.  There is ALWAYS a delay when Roland plans things.  Wednesday was an early day, and we could check her out even earlier if we needed to.  There was no sense for ALL of us to go to Roseburg, and I didn't want to watch Jenna idling any time that she could have spent at school.




                We had made arrangements to pick the car up between 8:00 and 8:30.  We were contacted by the rental company just before we left the house.  We were told the car would not be available until later and that they would contact us.  We had planned to go to Roseburg on some other errands - the delay of the rental would make things easier - I thought.  Roland could do all the driving and we wouldn't have to worry about the second car. 

                The rental company never called back, and so we decided to just go there.  There had been five people waiting for rental cars.  All the cars that were supposed to be available were still out - all the cars that were on the lot that looked like they might be available had expired tags.  We had tried other options, but are actually limited in Roseburg and didn't want to gamble on driving another 90 miles to a larger city if we might encounter the same problem with another rental car company. We still didn't have a car when Jenna returned home from school and so said a major prayer and ended up taking our own.

                The GPS was taking us through Sutherlin, but I knew we could get through on 138 which was in the opposite direction.  We probably wasted a half hour driving back and forth before we finally got on route.  Our daughter-in-law, Carrie, commented that our disability of getting out of Oregon sounded like the makings for a sitcom.

                Roland said he would return through Boise and Bend. 


  
                We passed many orange barrells. 


No workers or slowdowns - probably due to the wind - except for after crossing the border from Idaho into Oregon.  Loose gravel caused us to slow down.   Tar was being poured ahead.  There was actually a utility truck  with its flashing lights that led the cars in either direction - I think it was at least a mile long.  I'm not exaggerating.  It wasn't bad.  It had been the only slow down of the entire trip. 

                Once we got to Hines, we stopped at a Dairy Queen to have lunch.

Wednesday, June 14, 2017

Lots and Lots of Thoughts

     My head is so full right now.
I'm tired.
My fingers will never catch'
up to my brain.
I've written thoughts about
the library but have not
posted them.  I've taken countless
amount of pictures that
I still haven't viewed.
I finished my algebra and
entrepreneurship on Saturday.
Two more classes started Monday
but I haven't . . .
still . . .

I've done the daily checkpoints
and started a research for my posts
which will need references.
Right now I am just way too tired to
comprehend anything more.
We returned to Myrtle Creek about
three hours ago.  I feel the tiredest that
I have ever felt in my life.

For those who read my post on a regular basis,
you know that it contains a hodgepodge
of thoughts and posts.
You ain't seen nothing yet . . .
  I've got more
tucked away in my brain.
I would like to write and post them all.
They will not be chronological.
I can guarantee you that.

Thursday, June 1, 2017

Numbers and Nightmares


I've turned in the math assignment for this week and have taken the assessment.  One more week and assessment to go.  This is how I truly understand math:



If Bob is waiting for his bus at the corner of Lupis and Vine on a Tuesday and he is eating Strawberry ice cream, but not quickly, and his melted ice cream is dripping onto the sidewalk before the bus comes;  meanwhile, three cars have passed and none have bothered to offer Bob a ride, how far is the sun?

 If Lisa has agreed to babysit for Mrs. Brown, and walk the dog for Mrs. Green and water plants for Mrs. Plumb, what color is Lisa's shirt?

 If Hector collects rocks and balloons and gives one balloon to Kathy for nine seashells, what day of the week is it?



I do like my instructor.  I wish I had just one ounce of her passion.  But I don't.  It's math.  I've found some videos that have been helpful.  Others are . . . what??????  I came across one video in which the Berstein Bear was showing me how NOT to do the math - okay it wasn't the actual  Berstein Bear - itt just felt that way as he demonstrated at least six ways not to do it before he demonstrating the correct way.  IF he shows me the correct way.  He pretty much lost me at polyominols and what this letter could be and what this figure could represent . . . huh?




I did come across one over twelve minutes long and for the most part was easy to follow.  But what are you supposed to think when the instructor of the video starts yawning?  I'm with you Pal.  I was there before the video even started.  I know I'm not the only person who hates or doesn't get math.  My class is full of lost individuals.



Sometime between 3 and 5 this morning there were numbers and factors taunting me.  They were laughing at me while I slept.  Some were dancing to the soundtrack of La La Land.  That was weird.  I don't appreciate these numbers haunting me, bullying me.  Gosh, just let me sleep! It's bad enough I have to deal with algebra when I'm awake (actually I did take a nap before completing my assignment as the equations really did put me to sleep. 



 I HATE Algebra.  I still have two more weeks of "What the heck?"  I finally posted my discussion - which I normally try to do on Monday or Tuesday, but not with this class. My brain has a major cramp.  We're supposed to solve  - or rather break down the simplified so that it reads with complication and I can't do that if I don't understand it.  That's only part one.  In part two the class is supposed to explain why we need Quantitative literacy . . .  wha-wha-what?  Quantitative whatnow? 



I did a copy and paste for a reference I might consider using later on.  It came out like this:



Quantitativeliteracyistheabilitytoidentify,understand,andusequantitativeargumentsineverydaycontexts.Anessentialcomponentistheabilitytoadaptaquantitativeargumentfromafamiliar



that reads pretty much to my understanding.  Now onto my other class - which surprisingly I am doing quite well in.

Wednesday, May 17, 2017

We've Been Down This Road Before


If x  times 3 = 3x and you subtract 12 = y over 3x squared, what are y and x?  We will never know.  Apparently it doesn't matter. Order of operation matters. Order of operations is a way of thinking logically - so says the mathematician.  Do you know how boring you sound?  Only math nerds understand the numbers game and the results of getting there - though most of the problems are never completely finished - they are written down as far as they can go.  So an acceptable answer could look like this: 4x+3q+8-7n=y^12  What????? 

If we don't ever know what q or y or the rest of the letters are - what's the point???  Roland says it's to learn logic.  I don't learn logic!  I am too dang frustrated to be logical.  I want to scream, swear, pull out my hair, and hurt whoever it is that came up with x(3-6)+[6*(n-q)4]-12x in the first place. Give me a break!  I was not put on this planet to answer mixed up number/letter riddles.  This is NOT my lot in life.  On top of that I'm I have to have dictionary just to translate words such as "Polynomial" and "Monomial" Is this a math class or an English class?  Make up your mind.  Or maybe "algebra" means "a combination of letters and numbers that will either a) have a person so confused that they may end up hating all forms or math or b) you will be able to relate to this subject better than people and math will therefore become your best friend"

I don't know how many students are in my math class.  I'm guessing thirty.  It appears that there are a couple of math nerds, but overall, the majority of us despise math, don't speak math, get lost in math, are confused by math, are taking the course because it's required and pray that we may pass the course just to get it over with, hate math, just don't get it, don't really care.  Guess which group I fall into?

Recently my instructor posted the following:  One of the big topics for this week was simplifying a problem using the correct order of operations.  Why is this so important?  Take the following problem for example: 

2(8=7) - 3 x 4 + 2

Let's say two students are working together to simplify this problem.  Student A chooses to work the problem in the following manner:

2(8 + 7) – 3 x 4 + 2 
2(15) – 3 x 4 + 2  Parenthesis first
30 – 12 + 2  Multiplying in order from left to right second
20  Adding and subtracting in order from left to right last

Student A got a final answer of 20

Now let's say Student B chooses to work the problem in the following manner:

 2(8 + 7) – 3 x 4 + 2 
2(15) – 3 x 4 + 2  Parenthesis first
30 – 3 x 4 + 2  Multiply starting at the left
27 x 4 + 2  Continue from left to right with subtraction next
108 + 2  Continue from left to right with multiplication next
110  Addition last

Student B got a final answer of 110.

Which student is correct? 

This would be my answer:

          Student A would be the correct answer because he/she is using the correct order of operations (PEMDAS) but I understand how Student B would come up with his/her answer - IT FEELS LOGICAL to do it that way.

          Simplified?  In math?  Unless we are doing basic addition or subtraction, for me personally, the word "simple" can be associated with anything math related.  It's an oxymoron.

I think algebra is an oxymoron.



Sunday, May 14, 2017

Deception Among Oligopolies

        
                In November I had never heard of an oligopoly before.  I knew what they were, but until this last class I had (in economy) I didn't realize they had a specific name. I'm not saying all companies that happen to be in the Oligopoly or monopoly stage are necessarily bad companies.  The truth is the founder of the company may well have had extremely valid intentions (other than become a successful money maker who cares only about money) and may not even be involved with the company anymore as many founders are eventually kicked out of their own company (that doesn't seem right) but I am saying that there are many who make decisions, advertising for instance, that are done in a deceptive way.  Many businesses seem to get "too big for their breeches" that they have lost vision of what made the corporation great in the first place.  By the same token, consumers need to take responsibility also.  We don't have to put up with their malarkey, you know.  We have other options.  Or do we?

                I don't know how early it was proposed for a tax increase on businesses that could afford it to help the Oregon economy (see here).  I would guess that billions were spent on advertizing for or against.  Unfortunately, those against the proposal (the large companies, most I would suspect were oligopolies) had more to spend.  Both represented themselves as "small business owners" - the ones who actually were small business owners spoke from the heart.  They would give the reasons the economy would be changed if the voter voted "YES"

                The  large companies with money hired actors and actresses who read well and evidently were better at acting than say the geriatrics who "help me, I've fallen, and I can't get up" except THEY WERE READING - NOTHING WAS FROM THE HEART - they'd be ever so smug about it, using the name WILCO  - trying to deceive the public familiar with Winco perhaps (for example) and thinking they recognized the name.  Their deceitful ads worked.  The bill did not pass.  The small businesses suffer as a result.  But glory be to the oligopolies who were able to keep themselves from being taxed.  They must be so proud.




Saturday, May 13, 2017

Final Assignment


           

            As I have mentioned in my online-themed posts, there is a daily checkpoint question given each day.  For the most part the questions will be on the class subject of that particular week. The basic classes (the ones given to brand new students) will often throw in questions about finances and career choices. The economy class I had recently taken was/is a basic class.

            I had originally decided to approach my assignment from a different angle as I had asked my instructor about non-profit organizations during one of the lectures.  I had wondered it any would be considered oligopolies and so had pulled up references for that.  I had actually tried three or four approaches before I had about 20-30 references.  I knew I would not end up using them all and actually ended up going in the same direction as my post.  I called my final assignment  "Show Me the Money"  and added a thesis statement though I probably didn't need one since it was a starter class for many of my peers.

             APA Style is the writing style that is required by the school.  APA stands for American Psychological Association.  Many instructors seem to put a greater emphasis on the style itself than they do with the content.  I think that is annoying.  I had more examples, but it was only supposed to be 600 words and I have over 800.  I'm pleased that I have received full credit for this assignment.  I double spaced for the assignment itself, but will do not so here.  It just looks weird as a post.
                                                   Show Me The Money Conflict


            "Everyone  should be respected as an individual, but no one idolized. - Albert Einstein.

            All people deserve to be treated with respect regardless of  what position they hold.  A single mother struggling to put food on the table should not be treated as though she does not matter, nor should a president of a large company expect to be worshiped or take advantage of others because he has more money or power.  We are all human beings, not statistics. Oligopolies and poverty levels are statistics.
            An Oligopoly can be defined as a few large firms that control a larger percentage of the market than all the other competitors put together (Study, 2013).  Oligopolies form from competition and advertising enticing the customer into believing that theirs is the best product (O. Market, 2017) .  They do this by offering goods at a lower cost or a deal of "buy one get one free" or some other "reward" for purchasing said product from them and not their competitors.
            For example, there are several cell phone providers - but according to study.com (2013)  it appears that AT&T  and Verizon deal with more than half the consumers' cell phone plans, followed by T-Mobile and Sprint.  Those four cell phone plan providers make up for 99% of all consumers with cell phone plans leaving every other cell phone provider all lumped into one percent.
            Some of the lures these markets have used is, "keep your same cell phone number" "switch for free" "we will pay your old phone bill if you make the switch" and there are consumers who actually go back and forth between companies trying to get the best deal. Then there are those who choose not to deal with the larger companies because they all seem to fail at great quality customer service.  It is not just cell phone plans that have an oligopoly, but fast food chains as well.
            I have never considered the food industry as having oligopolies and yet Welker's Game Theory (2013) used two popular food chains to explain oligopoly.  Burger King and McDonald's have long time seemed like rivals - trying to outdo one another enticing consumers with prices or selling how the  meat is cooked or how fast service.
            Some people are under the impression that it is the American Dream to get ahead, to build an empire and earn billions of dollars.  That may be the case for some, but not all Americans have that dream.  According to The Founder, the McDonald Brothers had set up shop just to make an honest living.  It was not their dream to blow up so big that they would lose control over a concept they had.  Ray Kroc believed it was his dream to head a food empire and kept the McDonalds name, though the McDonald brothers were no longer involved.   Kroc paid a high price - though not as high a price as did the McDonald brothers (Hancock, 2016).
            According to 20/20  the top six fast food chains - including Burger King and McDonald's -  made up for 6.6 billion dollars in 2015 and yet 52% of their employees are on some kind of welfare assistance.  The cameras followed Terrance Wise, who worked for both McDonald's and Burger King.  As he spent most of his day either working or traveling to get there, it gave him little time to spend with his family.  It's disheartening as he watches unsold food being thrown away (Reality, 2017).
                        I live in Douglas County, which once was a thriving community.  Sawmill workers may have had dreams about how they would spend their money after they retired from the saw mill where they had worked for many years and expected more to come. When the sawmills closed in 1978, those who could afford to leave Myrtle Creek packed up their belongings or sold off what they could, to find work in another location, generally in another state.  Circumstances changed whatever dreams they may have had  (Heilman, 2014 p 78).  Very few people (if any) choose to be poor.
            A rich person may donate $1,000 to a local charity and  use it as a tax write off.  For him to write a check for that amount is no big deal.  For him, it may be just chump change.  Another man may spend only $7.00 on a swimsuit so that his daughter may have a birthday gift to unwrap (Reality, 2017) and though the amount of  $7.00 seems so much smaller than $1,000, the poor man is giving everything while the rich man gives something that he may consider small. 
            If we treat one another with respect, regardless of our position, we create better human beings.  Humans should be made to feel humane and not a statistic.  Respect may be the first step taken towards stamping out the poverty.
            The pictures were not a part of my assignment, but are there for the affect of the post.       On Monday I start to more classes.  Management: Entrepreneurship and Math.   



Friday, May 12, 2017

Two Discussion Posts


          I have now completed my economics course.  My instructor has completed grading all of my work, and so I will go ahead and share what I have turned in.

          On my first post this month I shared a video of a phone service parody.  This is the discussion that went with it:

      "How many of my classmates remember the landline and payphones? Funny how perspective changes from being a child to being an adult. Our responsibilities are not the same, and therefore we view the world in a different way. For example, I never personally had to wait for AT&T to come out and install or repair a telephone, but my mom did. Back then we didn't have the option of cell phones or even provider plans for that matter. The Bell System had a monopoly all across the nation with its "Bell" trademark on every phone booth. Every household that had a phone received a bill from Ma Bell, Mountain Bell, Southwestern Bell and others (depending on which part of the nation you lived).

     "By 1979 AT&T employed over a million people within all of its Bell locations (History). They were the phone company. There was no competition (Easterbrook, 1985). If you had a phone you either dealt with them, or you could forgo dealing with them which meant you also gave up the privilege of having or even using the phones. (Remember all the pay phones were provided by Bell)

      "I was still in high school in 1979 when Ma Bell settled a law suit brought on by the justice department (Barger, 1984). I understood the negative effects that a monopoly causes and was happy about the Bell System's 'break-up" in 1984. My great aunt had worked for and retired from Mountain Bell. I wanted to ask her opinion but was not allowed to bring up the subject. I'd forgotten all about that until I started doing my research for this topic.

     "I think monopolies are dangerous - at least for the consumer. The telephone company is just one example of what a monopoly does to the economy. I wonder how many of my classmates remember the parody included with my references.

          The instructor as well as eight students responded to my post. Here is a funny story I may have shared in a post before.  I brought it up again as different class members would reminisce over the landline:

            "I have to share a funny story that has nothing to do with perfect competition or monopolies, but rather about the rotary phone (remember those?)  My husband was a realtor who would bring home rare treasures every now and then.  One day he brought home a rotary phone to plug into the jack that was in the hallway - this way the boys could answer calls without having to run to the kitchen.
            "Our three boys (all younger than the cell phone) stood around it and looked at it and at each other.  Finally, one of them asked, "How does it work?"


          For this week's discussion, we were given the choice to speak on oligopolies or poverty.  This was my discussion post:

            "Funny how we were given a choice to discuss oligopoly or poverty as I feel that the two seem connected. I am not saying that Oligopoly is solely responsible for poverty, but I do think it is one contributing factor. Let me use an example of the banking industry. There are hundreds of banks, perhaps thousands, located throughout the country. Yet according to the pie graph (Jennings, 2016) below, there are only four banks which deal with over half the nation's money. Half! That is a lot of power to put into four banks.

            "As a customer, having dealt with three of the four banks, though their initial customer service seems to be professional and friendly, it felt like it is only a facade. Once I had been lured in it felt like the Oligopoly (in this case the bank) preys on my financial weakness and feeds itself out of my pocket (Parramore, 2011).

            "In some cases I had not made the choice to deal with the large bank, but had made a loan purchased from a competitor that may no longer be in business as it was swallowed up by the larger bank as well. I think Bare Truth (2013) explains it best when the comparison is made that the "ideal" is someone believing he may share a small piece of the wealth as it may be "melted" onto him, when in reality, the rich get richer by sucking finances from the poor like an inhuman vacuum.

            "If you live from paycheck to paycheck, you are better off putting your money in a smaller bank or credit union. I personally do not support any oligopolies if I can help it. I bank at a local chain that I would guess most of you have never even heard of. I actually had not heard of them until I moved into this county.

            "I think oligopolies seek power, often at the expense of their own employees  in which the dollar seems to be a higher priority than human welfare (My Reality; 2017). In my opinion, supporting oligopolies seems to be allowing them to have unnecessary power.

           

          My instructor than asked me to explain why I would recommend a small bank or credit union over the larger banks.  My response was:

            "In my experience, the larger banks have always "charged" me to keep my money in the bank.  If a deposit (biweekly paycheck) is made on the same day that my written checks (bill pay) have cleared, they will do the withdrawls before the deposits and charge me for each check that has gone over which wouldn't have been an issue if the deposit would have been cleared first. 

            "I realize that my check should not even be written if the money isn't in the bank.  Knowing it will be in the bank, I have taken it on faith that the deposit would clear first.  After the bank "robbed" me by charging me for each check, I was short for the next set of bills.

            "This has never happened for me with the credit union.  The smaller unknown bank  that I am currently with in Oregon is very much like a credit union.  Deposits clear before withdrawals are made.  I don't have to have a mandatory savings to open a checking account.  I only had to have a 25.00 minimum to open an account.

            "I struggled from paycheck to paycheck more with the large banks.  I have not had that problem with my credit union or the bank I am with in Oregon."

          I had also used this response to another class member on her post:

            "I agree that this has been an interesting week for topic discussion.  I took a class once in which the instructor picked two people to represent a very small fraction of the world.  He proceeded to carry out his demonstration by distributing groceries that he would pull from a few bags that he had. He had three of each item and would pass them out accordingly:

            "Each of the two students in front received an entire box of crackers for instance.  The remaining box of crackers would be shared among the remainder of the class (there had to have been at least 28 students) and continue with each grocery item until the bags were empty. 

            "His demonstration wasn't on poverty exactly, but rather the wealth in United States as opposed to some other countries.  US gets two entire boxes of crackers while everyone else has to share just one.  But not all US citizens are enjoying the metaphorical crackers - I think his demonstation would now be less than one cracker per class while the wealthy get to stock up on the remainder.

            "It's a problem that has existed long before the Great Depression.  I think it's well past time that we reevaluate ourselves and our values."
             I will post my final assignment tomorrow.