Local News & Commentary Since 1890.

Archive for the ‘Opinion’ Category

, , , , , , , ,

More family advocacy needed for elder care

In Children and Family, Health, Opinion, psychology, Religion, Senior Lifestyle, sociology, Uncategorized on April 16, 2014 at 1:31 pm

DIH LOGOCaring for an aging parent is, in my opinion, one of the most difficult and often painful experiences life throws our way. Providing a safe, healthy environment for an elderly family member is just as taxing as doing the same for a child.

What makes this process even harder is when the parent is resistant to help or simply won’t accept that they are no longer in a position to take care of themselves. Poor decisions, an inability to recognize when driving has become hazardous and, worst of all, when they will listen to anyone’s advice but that of their children, complicates the care process and causes serious damage to the parent/child relationship.

It’s hard to watch parents age and knowing you’re headed the same direction only solidifies the reality of it all. It’s harder still when they resist every attempt to maintain their health and sometimes doctors undermine your efforts by telling them they don’t have to do anything they don’t want to.

I understand that people need to make their own choices, but some shrink in a hospital cannot possibly know an individual’s mental status by talking to them once for three minutes and asking a half dozen pointless questions. “Do you know where you are? Do you know what day it is? Can you draw this box? Write your name.” “Draw this box,” are they kidding?

How about we ask them what their checking account number is, or the name of their insurance company? How about asking when they last paid their phone bill? These are vital questions to someone who is supposedly “competent” and yet this is not what is included in a psychiatric evaluation for a senior’s ability to make his or her own decisions.

Then there are those who are intent on taking advantage of the elderly person’s desire to feel “needed” and useful. These individuals worm their way into the lives of the elderly, showering them with compliments and creating a rift between the senior and his or her family. These unscrupulous people are trying to get money and property away from the senior and alienate children and others who are trying to protect their interests.

Deer In Headlines author Gery Deer is helping his brother Gary Jr and sister Cathy to take care of their father, Gary Sr. and it's rarely easy work.

Deer In Headlines author Gery Deer is helping his brother Gary Jr and sister Cathy to take care of their father, Gary Sr. and it’s rarely easy work.

Laws addressing the rights of seniors, as well as those regarding patient rights, seem to take no account to dementia and speak only to protecting them from family members bent on securing money or locking them away in a nursing home. What about those of us who are trying to protect our parents and provide a safe, secure life for them in their own home as long as possible? Where is our protection and support? There is none.

Preserving a person’s dignity is difficult enough without being able to handle even the most basic decisions absent a mile of legal documents in place only to provide more money for lawyers. Power of attorney documents are meaningless unless the person is thoroughly incapacitated and no one will help without signing over deeds and financial statements.

Believe it or not, sometimes money has nothing to do with it! There are actually situations when families are trying to preserve an aging parent’s lifestyle, dignity and financial security. Someone should be out there advocating for us, not making it harder. Unless you’re loaded with money, there is just no support for people dealing with this kind of problem.

So what is to be done? Good question. I am all for protecting the rights of the elderly and maintaining their ability to make decisions, but there are many degrees of incompetence between fully cognizant and Alzheimer’s dementia and that should be taken into account.

My mother lost all of her reasoning ability as Alzheimer’s set in and it nearly bankrupted my family to get her under a guardianship so we could keep her safe and well-cared for. But when a senior has some competence but not all, that needs to be addressed and the family should be able to have some advocacy for protecting the interest of that individual without so many roadblocks.

Legislation should be put into place for the varying degrees of dementia and stop relying on the ‘one size fits all’ psychiatric evaluations that prove nothing more than the person can read a calendar.

 

Gery L. Deer is the editor and publisher of The Jamestown Comet.com an independent columnist and business writer based in Jamestown, Ohio. More at http://www.gerydeer.com.

 

, , , , , , ,

Alas, the plight of the plastic shopping bag

In Business, Economy, Education, Environment, Health, history, National News, Opinion, Politics, Science, Uncategorized on March 31, 2014 at 8:42 am

Deer In Headlines
By Gery L. Deer
The Jamestown Comet Editor

bag_blowingTake a look around outside after a storm and you’ll see them, clinging to the lathe of a garden fence like barnacles to a ship’s hull – those sad, indigent, plastic shopping bags. They’re everywhere, bouncing along the roadside, hung up in the branches of your backyard tree, even melted and tangled around the undercarriage of your car. Once revered for their strength and amazingly useful handles, these marvels of modern shopping are now the scourge of environmental political correctness.

With humble beginnings in 1950s Sweden, the modern plastic shopping bag was the creation of engineer Sten Gustaf Thulin who developed the simple, one-piece bag for Celloplast, the company which patented the design in 1965. Popularity of the product grew rapidly, for a time even knocking paper bags into relative obscurity.

Never again would husbands need worry about earning a night in the doghouse after losing a gallon of milk to the pavement when it crashed through the bottom of a wet paper sack. But, it was that set of wonderfully brilliant handles that really endeared the bags to shoppers. Since the dawn of time, mothers everywhere have struggled on shopping trips to juggle groceries and family.

With plastic bags, Mom now had the ability to carry half a dozen fully loaded bags on her arms while clutching Junior in one hand and the dog’s leash in the other. Her world now under complete control, at least for one brief moment, thanks to a simple pair of parallel holes in a plastic tube. Once the groceries were put away, she could even re-use them to line the bathroom wastebasket with a water-proof bag that fit both the can and her household budget.

PBThere was no doubt the plastic shopping bag was truly a miracle of modern commerce. By 1982, most major grocery chains, including Kroger, began replacing paper shopping bags with plastic citing cost savings and customer preference. Sadly, however, as with most other success stories, rival jealousy led to ridicule and scrutiny, mostly from operatives of the paper bag industry determined to unseat the plastic bag from its world-wide fame.

By the 1990s, world ecologists became increasingly vocal about plastic’s potentially destructive effects on the environment. Soon, the plastic shopping bag became an innocent by-stander, caught up in the ever increasing fight between good and evil, liberal and conservative, environmentalist and capitalist – or whoever was paying the most lobbyists. More than ever, environmental groups were touting the need for more extensive use of recyclable materials in consumer goods.

Almost overnight, the plastic shopping bag became the poster child for everything wrong with the environment as pundits heatedly debated their recyclability on cable news and in fiercely negative op-eds.  As usual, the critics had it all wrong because plastic shopping bags were every bit as recyclable as their paper counterparts, but were, in a way, victims of their own success.

As it turned out, the very innovations that made plastic shopping bags so powerful in the supermarket were like Kryptonite to the sorting machines used in recycling. When put through, they bound up the machinery and left it jammed and inert, and the cost to overcome that problem outweighed the benefits.

For years, rumors of a plastic bag uprising have permeated the media, suggesting that millions of these poor, trodden-down bags were massing a resistance in landfills all over America. There, they waited silently, collectively preparing to strike back against their opposition by refusing to decompose, even over thousands of years.

Sadly, an empty threat, since the structure of a landfill is meant to keep the refuse dry and stable, limiting degradation. Nothing is intended to fully decompose; not paper, not food, not plastic … nothing. In fact, newspapers buried in the 1960s have recently been exhumed intact and readable.

Perhaps one day, the full truth of their story will be exposed and plastic shopping bags will regain their once proud position at the end of the checkout. But for now, these bags exist as second-class totes, drifting like tumbleweeds on the wind, dancing their lament of a time when they were kings of the market.
Deer In Headlines is available for syndication. Contact GLD Enterprises Commercial Writing – http://www.gldenterprises.net.

, , , , , , , ,

It takes a maverick to make a difference

In Education, National News, Opinion, Politics, psychology, Religion, Science, sociology, State News, Uncategorized, World News on March 24, 2014 at 7:59 am

DIH LOGOAccording to one definition, a maverick is, “an unorthodox or independent-minded person.” But a maverick is also someone who chooses not to give in to the pressures of society, breaking ranks, not for personal gain, but in an effort to improve conditions or expand knowledge for everyone.

In the 16th Century, the now revered scientist Galileo Galilei would certainly have fit the definition of maverick. At a time when the church kept tight control over the public’s understanding of the world around them, Galileo’s challenge that the earth was not actually the center of the universe but instead part of a solar system with our sun at its center was controversial.

Of course he was eventually proven right, but standing against such a powerful entity as the Catholic Church sent Galileo to be tried for heresy. There are countless cases like this throughout history, most related to individuals who chose to challenge long-standing beliefs in politics or religion.

Today, as in Galileo’s time, society is taught and expected, from an early age, to keep quiet; never to upset the status quo for fear of retribution. Those willing to stand up and be heard shape the most change in the world, but often pay a high price for their contribution to progress. Much of what society deems acceptable is dependent on one’s position and the sphere of influence there encompassed.

whatsrightFor example, it is unacceptable in many religious groups for a married couple to divorce. They are expected to remain together indefinitely for the good of the church, their families and so on, regardless of the situation, even in cases of physical abuse. It stands to reason, therefore, that the first few individuals who challenged these rules were certainly dealt with harshly. Fortunately, over time, this type of censure has eased somewhat, at least publically.

On the whole, it is difficult to greatly influence public perception and alter the behavior of a society or to get people to remove the blinders of ideology and accept the possibility that there are other ways of thinking. Ignorance, prejudice and misunderstanding usually lead to fear and resistance.

It should also be made clear that religious groups are certainly not alone in such ridiculously judgmental behavior. Anyone who challenges established norms can find themselves on the receiving end of some pretty unpleasant retribution, particularly in the workplace.

Often employees are never to question authority or decisions made by their superiors, otherwise face reprisal. But what does one do when superiors are actually breaking the law? In 1989, Congress passed the Whistleblower Protection Act. The law is designed to shield workers against retaliatory personnel action – meaning, essentially, it keeps them from being fired – for “blowing the whistle” on illegal activities perpetrated by their employers.

Unfortunately, there is no such protection for the everyday person who simply wants to do the right thing. From Moses and Lady Godiva to Rosa Parks and Martin Luther King, taking a stand to alter deeply engrained social beliefs has never been a task for the weak-hearted.

Most people are discouraged by how much retribution might be taken out on them for going against the grain. Sometimes, however, just standing up for the little things can help to affect larger changes. Making a difference in the boardroom, at school or even in the hallowed halls of church might ruffle some feathers, but if the purpose is worthwhile, it would be wrong not to do something.

So, what about those by-standers who agree with the maverick but are afraid to stand with her? If only one other person supported the cause then another would as well, then another, and another. That’s how revolutions are started in the face of resistance. So the next time you see an injustice being done and you have the opportunity to act, what will it be: Maverick or conformist?  Ω

Gery L. Deer is an independent columnist and business contributor to the WDTN-TV2 program, “Living Dayton.” More at www.gerydeer.com.

, , , , , , , ,

Like Earhart, evidence lacking in Malaysian Air mystery

In National News, News Media, Opinion, Science, Technology, Travel, Uncategorized on March 17, 2014 at 9:29 am

DIH LOGOMore than 76 years after aviator Amelia Earhart and her navigator, Fred Noonan, vanished during an attempt to fly around the world at the equator, their fate is still an unsolved mystery. The two were presumed lost somewhere over the Pacific Ocean, along with any trace of their Lockheed Electra aircraft. While many theories have surfaced over the years, no conclusive evidence has ever been found to indicate what really happened to, “Lady Lindy,” a woman who was well aware of the potential dangers she faced as a pilot.

On AameliaEarhart.com, the official website commemorating the aviation pioneer, there are passages from a letter written to her husband, publisher G.P. Putnam, in case a dangerous flight proved her last. One particular section fully demonstrates her bravery and total acceptance of the risks she took in the sky. It reads, “Please know I am quite aware of the hazards. I want to do it because I want to do it. Women must try to do things as men have tried. When they fail, their failure must be but a challenge to others.”

Aviation Pioneer, Amelia Earhart vanished in 1937 during an attempt to fly around the world.

Aviation Pioneer, Amelia Earhart vanished in 1937 during an attempt to fly around the world.

Earhart was a ground breaker, driven by a desire, not only to set an example to women who wanted a piece of man’s world, but also to meet a public expectation created by her husband. She was a risk taker at a time when flying was still young. Even now the risks associated with flying are still quite real but there is a reasonable expectation of safety in modern commercial aviation.

Still, no one could have predicted the circumstances surrounding the disappearance of Malaysia Air Flight 370. As of the time of this writing, there is still no trace of the plane. One needn’t be an aviation expert or pilot to know that a Boeing 777, one of the most complex flying machines ever built, cannot simply vanish into thin air. As with the Earhart disappearance, conspiracy theories are running rampant. Was it sabotage, hijacking, or might the plane have been shot down by terrorists? So far, there are no answers.

Other than the tragedy and sheer mystery involved, there is little similarity between the Earhart disappearance and this most recent incident, with one exception: the sheer lack of telemetry data in both situations. Like Earhart’s Lockheed Electra, the Boeing twin-turbofan is a well-tested, commercial passenger aircraft. But, in order to stay aloft longer with fewer stops, the Electra had been stripped down to what amounted to a flying gas can, even leaving behind two parachutes and a life raft to save weight.

Earhart also left behind key equipment that might have aided in pinpointing her position when she went down; the equivalent of disabling satellite tracking systems and radio transponders used on modern aircraft. Officials are reasonably sure that virtually every piece of telemetry technology aboard Flight 370 was intentionally deactivated making it, like Earhart’s Electra, nearly impossible to track.

With a possible search area stretching north into Central Asia and almost as far south as Australia, finding a needle in a haystack would be a piece of cake in comparison. Malaysian officials have requested electronic and satellite data, as well as search and rescue assistance, from more than two-dozen countries. What data does exist suggests that Flight 370 most likely crashed, either in the Bay of Bengal or elsewhere in the Indian Ocean.

Boeing_777_above_clouds,_cropWhether in pieces at the bottom of the sea or parked on some secret tarmac, someone knows where Flight 370 is and how it got there. The real trick will be to find out who orchestrated the plane’s disappearance and what security flaws exist which allowed it to happen.

The mystery of what really happened to Amelia Earhart may never be solved but the search for answers continues. It seems easier to accept the loss of two people in a primitive aircraft than that of 300 in a modern commercial jetliner, but the lack of information invites uninformed speculation. Until some hard evidence is uncovered, however, all anyone can do is let the investigation proceed … and wait.

Jamestown Comet.com Editor Gery L. Deer is an independent columnist and business contributor to WDTN-TV2’s “Living Dayton” program.

, , , , , ,

Crime can happen to anyone, anywhere

In Children and Family, Crime, Education, Local News, Opinion, Uncategorized on March 10, 2014 at 9:48 am

DIH LOGOIn the early morning hours of Thursday, March 6, in the close-knit, rural resort lake community of Shawnee Hills in Jamestown, Ohio, the unheard-of happened – a home invasion. According to reports, four adult males and one juvenile broke into an occupied home, stealing electronics and video games adding up to less than $500.

All five were arrested in Xenia later the same day. The four adult suspects were charged with one count of aggravated burglary, which is a first-degree felony. At the time of this publication, there was no information available on the status of the juvenile.

Incidents like this happen all over the country, nearly every minute of each day. Burglary and home invasion are more common in the inner city regions, but they can occur anywhere. As urban development spreads into suburban and rural communities, the likelihood of crime increases, probably more because of a rise in concentrated population than most other factors. Suburban and clustered rural developments tend to be inhabited by people with more money and, thus, become an attractive target for various kinds of crime from robbery to drug trafficking.

Many people still believe this kind of thing does not happen in sleepy, country communities. It does, it’s just not as common and often it’s an inside job. That is, the person who commits the crime has some connection with the residents of the home so they are privy to the money or property situation.

The false sense of safety offered by country life encourages people to leave windows open, entrances unlocked and garage doors up, essentially painting a big sign on the house saying, “Come on in and take our stuff.” Robbery, burglary or home invasion, armed or otherwise, can happen anywhere – to anyone. In fact, people might be surprised at the statistics related to who is committing crime and against whom.

For example, according to the National Center for Victims of Crime, overall, crime is disproportionately committed by males. Although it tends to have a greater affect on minorities (both as victims and offenders), most crimes are committed by whites against whites.

The Center’s website states that, “Certain populations are disproportionately affected by crime, not necessarily because of the sheer numbers of victims but as a result of crime’s greater impact on these.” It goes on to point out that young people, for example, aged 16-24, are the population group most victimized by crime and this is also the age group that commits the most crime. Not surprising in the case of the Shawnee Hills incident, since all of the men involved incident were 19 years old and younger.

Additionally, as one might expect, there are some types of crimes such as stalking, domestic violence, and sexual assault that are predominantly committed by males against females. It also seems, as was the case in Jamestown, many home invasions and robberies are committed by someone acquainted with one of the residents. People can help minimize the potential for these kinds of incidents, however, with a few basic precautions.

Always keep doors and windows locked, particularly at night or when leaving the house. Close and lock garage doors and don’t hide spare keys in obvious places. Don’t flaunt expensive possessions, guns, tools or electronics. These are the top of the list for burglary targets, and it only takes a word from a friend to someone you don’t know to set the wheels in motion to have your home robbed.

Wait until you return home to post vacation photos and other information on social media. Broadcasting to the world that the whole household is out of town begs for an unwanted visitor.

Be sure to include the whole family on crime prevention education. Parents need to teach kids everything possible to help keep them safe in and out of the home. Make it a point to get to know the people that kids bring into the house, particularly high-school agers, including names, addresses and parent contact information. If they are unwilling to provide that information, then they don’t get to be there, plain and simple.

Some simple prevention and common sense can keep you from becoming the next statistic.

***************

The Jamestown Comet Editor, Gery L. Deer, is an independent columnist and business contributor to the WDTN-TV2 program, “Living Dayton.”

, , , , ,

But Wait, There’s More, on a Smartphone Near You

In Business, Media, Opinion, Uncategorized on March 5, 2014 at 1:30 pm

From the DIH Archives. Originally published, April 24, 2012.

dih-logo-SEAccording to a recent survey by CBS News, there are more than 4.6 billion cell phones in the world and the potential for perspective mobile marketing is virtually unlimited. Experts believe that soon mobile marketing will likely become the most influential advertising medium of all time, surpassing even television.

Mobile marketing utilizes the data capabilities of smart phones, tablets and other portable devices as advertising media. The concept originated around 1999 with subscription-based text messaging services that were free to the customer but paid for by sponsors.

Since then, mobile ads have blossomed from short text message blasts to detailed ads, complete with video and sound, sent directly to the smart phones and tablets of buyers when they are closest to shelling out their cash. Sometimes the ads reach potential customers while they are standing in front of the product display in the store. Many ads encourage the viewer to scan the 2-D, block barcode in order to take advantage of special offers.

Sometimes, it can take decades for a new process like this to catch on, often failing on the drawing board. But, with the feverish demand for more and better mobile technology, the field has advanced from in novelty to practical application in only a few short years. Improvements on quality, signal, delivery and service by wireless integrators has only served to increase the response by the consumer to buy more and better smartphones and tablets.

The more devices there are in the hands of the users, the more advertising opportunities exist for business. Some estimates suggest by 2015, more than $163 billion of worldwide sales will come as a result of mobile advertising, in part because of the potential pinpoint accuracy of customer targeting.

It may seem as if advertisers are the only beneficiaries of mobile marketing, but that’s not the case. Consumers are in a unique position today to save money on products and services that they are likely to buy anyway. Often mobile advertising offers on-the-spot, and in some cases exclusive, savings directly through a smart phones – the modern equivalent of an in-store coupon.

Mail order online shopping may also be irrevocably changed by the mobile revolution. Consumers can get an ad for an item on their smart phone, touch the screen a few times, and the product is on its way to their home; quick, easy, and effortless.

For retailers, the advantage is being able to reach a more direct market, giving them more for the dollars spent. But that doesn’t mean it is cheap.

Continuous innovations in technology will require sellers to spend millions more every year just to keep up with the competition. As each company strives to outdo the others, those innovations will grow exponentially to meet the demand and the consumer will be hit broadside with an onslaught of ads on everything from cell phones to blue tooth headsets.

Even in the grocery store, we are bombarded with digital messages!

Even in the grocery store, we are bombarded with digital messages!

Avoiding such a barrage of mobile ads may be near to impossible but the best way seems to be by opting out of every possible source of marketing. For example, free applications (aps) for cell phones and tablets often require the user to be subjected to advertising – that’s how the providers pay for the free ap. Users need to carefully read each screen as the product is installed and used for the first time. Often additional options for the receipt of special offers can be declined only at that time. Once a marketing ap has entrenched itself in your mobile device, there may be no way to remove it.

As an ever increasing number of ads light up the screens of smartphones and tablets, at some point the buying public will begin tuning them out and, indeed, insisting they stop. At present, though, advertisers have their feet firmly planted in the trenches of mobile marketing and they’re not likely to change their tactics anytime soon.

, , , ,

Arizona legislature emanates ignorance, prejudice

In National News, Opinion, State News, Uncategorized on February 25, 2014 at 10:32 pm

DIH LOGOArizona has done it again. The overwhelming level of prejudice and stupidity emanating from the state’s lawmakers seems to have no limit. On February 20th, the Arizona state legislature managed to push through a bill that would make it legal for businesses to refuse service to gays and lesbians on the basis of, “religious freedom.” Proponents of the bill say that it provides business owners with the right to manage their establishments according to their own religious values.

Apparently the desert heat has affected their memories. This certainly has the familiar ring of southern life prior to the civil rights movement of the 1960s when signs read, “Whites Only” at every restaurant and water fountain. Open, hateful discrimination was touted as religious or moral freedom back then as well.

It’s hard to imagine anyone thinking this was a good idea and how in all that is holy did these people manage to get elected in the first place? If Arizona Governor Jan Brewer, who is already known for her racist positions, signs this bill into law, she is setting a sickening precedent, pushing back more than 100 years of civil rights progress in this country.

Arizona Governor Jan Brewer. (AP Photo)

Arizona Governor Jan Brewer. (AP Photo)

The day after the bill passed, Brewer was in Washington for the governors’ summit and told CNN, “I think anybody that owns a business can choose who they work with or who they don’t work with. But I don’t know that it needs to be statutory.”

“In my life and in my businesses, if I don’t want to do business or if I don’t want to deal with a particular company or person or whatever, I’m not interested,” Brewer continued. “That’s America. That’s freedom.” Clearly, she is all in favor of freedom so long as it’s not extended to people of whom she and her legislative thugs disapprove.

For those who don’t see a problem with giving these folks the legal right to limit service based on this kind of ignorance, imagine the shoe on the other foot for a moment. What if someone passed a law stating a business could refuse service to Christians, again, on the basis of religious or moral freedom? The religious right would literally lose their minds. Of course, this isn’t the first time this kind of law has been passed in a democratic society.

In early Nazi Germany, the eradication of Jews began with laws like this, allowing open discrimination and eventual persecution. In America, minorities and women have only recently emerged from a 200-year limitation of civil rights, often enforced in the name of religious morality, and the fight is still going on in many respects.

In theory, everyone is protected from this kind of legislation, at least on the federal level, by the 14th Amendment of the U.S. Constitution. It says, in part, “No state shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States; nor shall any state deprive any person of life, liberty, or property, without due process of law; nor deny to any person within its jurisdiction the equal protection of the laws.”

It’s just a guess, but if it passes, Arizona’s law would most likely be struck down by the U.S. Supreme Court at first challenge. Even to the layperson it seems to openly violate the 14th and would be determined to be unconstitutional. The problem is that the argument shouldn’t have to go that far for people to see that the bill is unethical.

At last report, Governor Brewer was seeking the counsel of her advisors in order to make up her mind whether to sign the bill into law. Hopefully one of her close cronies is a constitutional law attorney or, at the very least, someone who is not so blatantly ignorant and prejudiced. And if, for some bizarre reason, there are Christians out there who feel this law is just, remember this: “So whatever you wish that others would do to you, do also to them, for this is the Law and the Prophets.” – Mathew 7:12. One can only hope.

 

Gery L. Deer is editor of The Jamestown Comet.com an independent columnist and contributor to WDTN-TV2’s “Living Dayton” program. More at gerydeer.com

, , , , , , , , , ,

You can avoid a visit from creditors.

In Economy, Local News, Opinion, Uncategorized on February 19, 2014 at 1:56 pm

By Gery L. Deer

Deer In Headlines

knockRecently, the credit card company, Capital One, came under attack for contract language that would allow them to show up a customer’s workplace or home, without warning and at any time. The creditor’s contractual fine print came was the topic of an LA Times article on February 18, that ignited a firestorm of consumer anger. According to the column, the contract states that customers can be contacted by mail, phone, email, or by “personal visit” at home or their place of employment.

A statement released by Capital One insists the language exists mainly to permit recovery of large items like boats, jet skis, and so on, through repossession. Without inclusion of the proper wording they would have little legal ground to stand on should the debtor renege on the agreement, adding that they are reviewing the language following consumer feedback.

CCOddly, this is not a new method for creditors. Most mortgage loan servicing companies already send local contractors out to knock on the door of customers who are behind in their payments. Generally showing up in personal vehicles and loitering around the neighborhood until just the right moment, these paid agents ambush the homeowner demanding a payment or insisting they contact the company immediately, or else.

Unfortunately, there is little that can be done about these practices because, somewhere in the miles of paperwork, the borrower signed an agreement allowing this to happen. Whether it’s a home, a car, a boat or a hunting cabin, virtually every large purchase contract has some kind of repossession language included. But with unsecured debt, like credit cards, consumers have a false sense of security and an unrealistic expectation of the consequences.

In an effort to force credit companies to behave more fairly towards customers and help control consumer debt, the Obama administration passed the Credit Card Act of 2009. Among its many fee and rate hike regulations, it also states that the creditor must provide a clear disclosure of terms before a customer opens an account. While the language was made simpler, there was still a ton of information and what the bill couldn’t do was to force people to actually read the documentation provided by the credit card company.

For consumers, the best way to avoid these kinds of problems is to simply steer clear of using credit cards in the first place. But if you’re already in over your head, it might be time to speak to someone about debt management options. Consumer credit counseling agencies can assist in reducing payments and interest and most are non-profit. Appointments are tough to get, however, and require as much documentation as possible regarding your creditors and income information.

If credit counseling is not an option, your next step may well be a personal bankruptcy. Jeremiah B. Webb is a bankruptcy attorney at the Xenia, Ohio firm of Wead, Anderson, Phipps and Aultman, LLC. He said people are often scared of their creditors and generally don’t understand the debt relief process.

“There are many myths surrounding bankruptcy,” Webb said, “beginning with a feeling of failure and that they’ll lose everything they have. Some people believe they can’t afford to file, but if you stop paying those minimum payments and put that money towards a reasonable attorney fee, you can hopefully wipe out that debt and relieve the stress.”

Although creditors publicly state that the door knocking method is a last resort, it leaves their debtors feeling frightened and constantly anxious. Usually, the inability to pay is out of the individual’s control and completely unintentional. Still, there is an underlying responsibility on the part of the consumer to do their best to avoid this kind of debt in the first place.

Credit card companies are ruthless and have no interest in excuses for non-payment. Their job is to make as much money as possible from you for as long as they can. But don’t be afraid. If you’re drowning in debt get help now, don’t give these people a reason to knock on your door. The only failure is to do nothing.

Gery L. Deer is editor of The Jamestown Comet.com, a self-syndicated columnist and business contributor to WDTN-TV2’s Living Dayton program.

, , , , ,

Never go shopping while having a stroke.

In Health, Local News, Opinion, Senior Lifestyle on February 5, 2014 at 7:21 pm

DIH LOGOPresented for your consideration, a middle aged man somewhere in America who awakens one seemingly normal morning to discover his right arm has become a lifeless dead-weight, movable but numb. Puzzled, he pays little attention and goes to the kitchen for coffee but abandons the attempt when his hand is too weak to hold the cup. Strangely, he pulls on his coat and makes his way out the door to his car where he drives to the grocery store. Soon, he realizes that the right side of his face feels heavy and tingling, like it’s sliding off his skull and eventually goes numb.

He tries to speak, but his words are garbled and slow, as if he’d just had a root canal and a face full of Novocain. Somehow he makes it home, but after consulting WebMD.com, he finally accepts that something is seriously wrong. He dials 9-1-1 and struggles his way through mush-mouthing the word, “help,” followed shortly by the pulsing strobes and screeching sirens of an ambulance.

No, this wasn’t some bizarre trip through an episode of The Twilight Zone. Instead, it was a reasonably accurate account of what happened to my friend Jim Karns just a few days ago when he experienced what turned out to be a series of very dangerous strokes.

Sounds ridiculous, doesn’t it? Maybe so, but, oddly enough, this is not an uncommon story. While he was having coffee, surfing the web and doing his shopping, Jim’s brain cells were being eradicated by a shotgun blast of tiny blood clots which cut off life-sustaining oxygen.

It’s certainly funny to think now about all the silly things Jim was doing instead of calling for help, but a stroke is certainly no laughing matter. Many stroke victims don’t even realize what is happening because symptoms may be so mild as to go virtually unnoticed.

Stroke Risk Chart (Courtesy The Huffington Post)

Stroke Risk Chart (Courtesy The Huffington Post)

Every year nearly 800,000 Americans fall victim to some type of stroke, a sort of “brain attack,” which happens when a restriction of blood flow kills off vital cells. Symptoms can occur one at a time or simultaneously, depending on the type and severity of the stroke.

In Jim’s case, he experienced numbness and weakness in his face and right arm but his legs were unaffected. A bass singer with what most describe as a strong radio voice, during the attack his speech was slow, frail and garbled and he had trouble closing his right eye.

According to experts people experience a combination of symptoms during a stroke including numbness, confusion or trouble understanding other people, impaired vision, difficulty walking, dizziness, or a severe headache that comes on for no apparent reason.

Jim Karn, Magician, performer, electronics technician.

Jim Karn, Magician, performer, electronics technician.

Fortunately, Jim is recovering remarkably well and I would say the best lesson to be learned from his incident is to act immediately. Coffee and the grocery store can wait, and don’t waste time looking up your symptoms online before taking action. It’s thoroughly frightening to think that a person could be driving or doing something equally as dangerous while these things are happening.

Most importantly, never ignore the warning signs of a stroke and call 9-1-1 as soon as possible. If you are around someone who is experiencing some of these symptoms, take charge and call for help right away, even if the individual protests or says the symptoms have subsided.

The best defense against stroke is to try to avoid one, so know your risks. Women, the elderly, African-Americans, those seriously overweight and people with a family history of stroke are at the greatest risk. As always, eat a heart-healthy diet, exercise and get regular checkups to help stack the odds in your favor. To learn more about the prevention and symptoms of strokes, see your doctor or visit The American Stroke Association online at www.strokeassociation.org.

Gery L. Deer is an independent columnist from Jamestown, Ohio. More at http://www.gerydeer.com

, , , , , , , , , ,

Liberals and corporate America must co-exist

In Business, Charities, Economy, Local News, Media, Opinion, Politics, Uncategorized on January 22, 2014 at 11:52 am

DIH LOGOIt wouldn’t be inaccurate to say that most liberals with a severe opinion of corporate America are primarily on the left-wing extremist end of things. But their voices are heard, nonetheless, and help to further expand the gap between left and right.

I recently posted to my social media page a paraphrased quote from a conservative business owner expressing her outrage over a liberal commentary on how businesses shamelessly promote themselves to generate sales. Her response was as follows, “Liberal bleeding hearts always seem to hate corporate America, right up until they want money for something.” Needless to say, the woman’s comment was not taken well by some of my liberal Facebook friends.

Regardless of how they want to think of themselves, liberal-based non-profits are, in fact, corporations in business. Although the term “non-profit” could be debated in many respects, they are still in business to create a product that generates revenue and pays salaries. In fact, they pay employees very well. The current CEO of National Public Radio pulls in about $1.4 million a year, a number that the network’s news commentators would likely find deplorable were it related to a commercial business chief.

So, how does one respond to a conservative business person who remarks, “If I advertise my business then the liberals call me vulgar? But it’s perfectly acceptable for them to go on TV and beg for money to keep their non-profit going. Why is that ok?” Seems like a simple question, but the answer is a bit more complex.

Corporate advertisers are regularly accused of manipulating consumers into buying. At the same time, non-profits (typically liberal causes or organizations) are just as manipulative when asking for “member support,” or however they decide to word it. Is there a difference? Not really. It’s actually more about perspective.

debt calamityLiberal non-profit heads will argue that what they do is for a greater good; people helping people, and so on. At the same time, they will accuse the conservative business owner of being interested only in turning a profit and getting rich. He, in turn, will refute the charge, saying that he’s offering a quality product for a premium price and doesn’t need to “guilt” anyone into handing over their money, all while employing people and keeping the economy going.

Mr. Conservative Business Man will also add to his statement that several times a year some non-profit knocks on his door wanting a handout, to which he responds with a nice, fat check. No one loses. People are employed, consumers get what they want – and if they didn’t want it, there’d be no product – all while the non-profit gets to keep its doors open.

The truth is, non-profits could not exist without big business. It just can’t be done. The majority of money given to public charities and social causes, as well as larger efforts like PBS, all comes from big business or charitable trusts created from successful corporate endeavors. To argue that people in corporate America make “too much money,” is also ridiculous, since the majority of U.S. companies are classified as small business, owned by middle-class people.

Several of the arguments against the Facebook quote I noted earlier focused on what one poster called, “a certain political persuasion speaking in absolutes,” and she couldn’t have been more accurate. This entire concept is based on black and white vision with no gray areas of mutual understanding. Fortunately, most people who are successful, either in business or non-profit management, understand that both have to co-exist to survive.

Corporate America has the responsibility to help those less fortunate but to do that they first have to be successful and self-sufficient. Simultaneously, non-profits have a responsibility to balance needs with wants and manage both budgets accordingly. We all have to do the best we can and work together so there will be good jobs, sustainable social programs and a strong economy.

Gery L. Deer is an independent columnist and business contributor to WDTN-TV2’s Living Dayton program. More at http://www.gerydeer.com.