Category: commerce

Re: Account

To have an account is one thing. To hold yourself or others to account is another. Like many words in the English language, a single word can have multiple meanings. This is what this word means to me. It may evoke different thoughts or even have different meanings for you. The fun is in the interpretation, not necessarily the dictionary’s standard.

Last week I was sitting in a parking space waiting for my bride to return with a bag of yummies from the grocery store. A car pulled up in the space beside me, a woman got out of the driver’s side leaving the car running. A man was sitting in the passenger seat with his window open. I was too far away to suggest he turn off the car without shouting and sounding aggressive. The fumes from the exhaust came through my open window. The woman returned a few minutes later and, to my surprise, stooped to look at the tire of her car which was just opposite my window. I quietly asked, “Why did you leave your car running?” Well, I was bombarded with all sorts of answers/excuses from both of the car’s occupants. In summary, they thought I was choosing something minor to “bitch” about.

The incident made me think of times when I try to be accountable for my choices. Holding myself to account is not easy in a complicated world. I am aware of making daily decisions about what is best for myself, my partner, my situation, and the world in general. Sometimes priorities are made that seem inconsistent with my own needs or the greater good. Small things, like leaving a car running, can add to larger things, like global warming. When and how we decide to practise our principles is not easy. I wonder to what degree do we have a responsibility to remind others to be accountable. Shouting at a politician seems easy but when our neighbour appears to be doing harm we might fear coming across as The Accountability Police.

When my sons were small I advised them on ways to be financially accountable. I taught them about bank accounts, credit dangers, and saving for a rainy day. My wife kept a monthly ledger to show how money comes in and money flows out. As banking technology changed they taught me about ATMs, bank cards, email transfers, and other online services. I was once a slave to doubt about whether I would ever have enough money for my needs or wants. But by taking things all into account, I slowly learned to balance the fears of loss with the reality of my good fortune.

Holding myself to account means I must judge my choices based on a variety of factors. Commenting on other’s behaviour is a potential minefield of explosive consequences. Everyone has had moments where they have wished they had said something. Who hasn’t glared at a parent of crying/misbehaving kids! Like it or not we are all accountants of our life experiences. No one can judge us better than ourselves.

Re: Outcome

I don’t remember when I first learned about compound words. Every word has a certain power when used effectively. A hyphenated word brings an idea together quite nicely while two or more words that are smashed together can be particularly enlightening. For a planner like me there is something very satisfying when all my organizing, mapmaking, list-making and future gazing creates an outcome that fits the contents of my imagination.

Our personal stories are often crafted to have outcomes that put us centerstage. In our vision of life, past or future, we tell our tales of adventure, defeat, disappointment, shame, honour etc. within the context of how we wish To Be in the world. I went on a much needed four-day holiday with my partner to an island retreat. I hadn’t anticipated getting lost in this fairly remote place, but I did, get lost. But it was temporary. A stranger appeared, literally driving out of the nowhere woods. I leapt from my car, waving my arms to stop him from going further along the dirt track. He smiled, led us to our destination only five minutes away, then vanished in a shower of small stones. The outcome, besides my embarrassment, was a good story of my fallibility.

At the Pearly Gates of Heaven, so it is said, you will discover the outcome of your existence. Someone will have kept a notebook of your transgressions and accomplishments. You will be judged. Of course you will likely disagree with the assessment. You will have kept your own ledger of regrets, misdemeanours, sacrifices, and awards of distinction. This island paradise I visited was Eden-esque; it certainly felt like heaven. While there, I talked with a young fellow about the importance of family. He was determined to tell me about how his life changed after becoming a father. He said he couldn’t have anticipated such a marvellous outcome as his crying fragile baby, turning into the boy that he so dearly loved.

For business types, the outcome is only read as the bottom line. The great Hudson’s Bay Company, established as a cornerstone for Canadian commerce back in 1670, recently died. From my point of view it was a case of neglect by rich folks less interested in history and more in profit. The outcome: Bankruptcy. I pushed my mother-in-law around our local HBC in a wheelchair. She commented on the bare aisles and naked mannequins. We both thought that the space felt like a garage sale. Our outcome: A feeling of loss.

On this temporary island of welcomed respite, my wife and I watched the tides filling and emptying a lagoon twice daily. We could gaze out our shorefront window and intentionally develop a new rhythm; one defined by more natural needs and intentions. Time felt less important here, we tended to ignore our digital handcuffs. The inbox and outbox of our manufactured world lost meaning. Our existence in this curious world felt familiar. The outcome of this experience has yet to be fully determined, but there can be no limit to our imagination.

Re: Post

My dad loved writing letters. In a desk drawer by his apartment door he kept a bunch of stamps, notepaper, envelopes, and cards for when he felt inclined to send something off in the post. He was raised on the value of the British Royal Mail Service. Often he initiated the correspondence to family or friends with a quick one-page newsy hello. When a letter came for him he would always write back the same day.

A recent headline read, ‘Canada Post in Crisis’. The article suggested letter writing was dead. The popularity of Amazon free shipping, and the rise of labour costs were all reasons for our crown corporation to be in existential trouble. A world without some form of communication across borders would be isolating. Connections of the global sort stoke my imagination. To me the message will always be key, regardless of how it is delivered. I can get amused by thoughts of carrier pigeons, Pony Express riders, ham radio broadcasts, or telegraph typers sending my notes of love or encouragement. I’ve enjoyed my online relationships, especially flourishing through Covid times. Social media platforms can contribute to feelings of togetherness in times of alienation.

Postal service has changed greatly since my relatives in England counted on their daily mail. Traditional bright red post-boxes, looking a bit like vertical cannons, can still be seen on British street corners for tourists to mail a postcard home. Now it’s more likely that a smart phone photo will be snapped of the same sight and sent digitally and instantaneously to curious relations abroad. I have a decorative mailbox on the wall outside my front door. I’m always hopeful for the clanky sound of the lid when a letter is dropped by a postal worker. Some housing areas have community mailboxes that encourage a bit of neighbourly banter. I once lived in a mining town that had a village postoffice. My mail had a postbox number, which I thought was very rural and romantic. On my daily visits I was happy to say hello to either the postmaster or postmistress behind the service counter. How quaint!

Dad set a high bar for postage stuff. For a while in my adulthood I felt I met his standard. Then came email. I lost my pen-to-paper skills, however I kept my joy of wrapping a parcel for delivery by Canada Post. I still take pride in building my own cardboard containers for packages; wrapping them in craft paper with a neat address. Handing parcels to my local postal clerk gives me a special feeling of reaching out. Recently I felt saddened when one of my mailings to Germany was returned to me, undamaged but stamped ‘Undeliverable’. I got my money back but the sense of a disconnect in the universal link of global communication left me slightly shaken.

In grade school I communicated with several pen pals. I loved receiving mail envelopes with foreign stamps on them. The letters inside felt magical. These messages helped create a bridge of understanding between cultures, breaking stereotypes and prejudices. Now I type this for you.

Re: Insurance

The insurance business is an industry that depends on our fears & doubts to drive its operating model. Buying insurance is clearly an example of damned if you do/damned if you don’t. Either way it’s hard to come out of any exchange/interaction with this business without feeling like a chump.

Seven years ago my wife and I bought a new car. It was a great deal until we sat down with the fellow in charge of wrapping up the sale. He convinced me to put another two grand into insuring the purchase against future repairs. “For peace of mind.” he asserted. “You would want to protect your investment.” He said this money could be viewed as a hedge against accidental repair costs. At the end of seven years I could get my money back if I didn’t make a claim. I signed the paperwork while foreseeing a future out of my control. It was a trap!

I’m compulsive when it comes to paperwork. I’ve spent plenty of time assembling documents, affidavits, testimonials for a variety of purchases gone wrong in my life. Air travel reimbursements, plumbing conflicts, health care overpayments, warrantee disputes, car accident confusions all have a file in my trusty steel cabinet. But the devil is in the details. During those seven years my wife and I had lots of distractions, both good and bad. I ended up misreading the refund date amidst the fine print. I called the insurance company to be told I had missed my window for a refund. But I had extenuating circumstances! They were sorry but they were bound by their policy. I stewed some more. I kicked myself for betting on a negative outcome. I said to myself, “I knew it!”, so many times I lost count. I had to find a way to forgive myself for not being on top of my affairs.

In my country there are laws against NOT having home or auto insurance. Insurance agents promote buying insurance as a smart thing while making profits on our distrust of a product’s viability. We are advised to believe the machine we buy will not last, the device might be a factory lemon or, worse yet, the thing we have spent our hard earned money on will get stolen. If you are insured against loss/damage or theft there will be no worries, or so we’re made to believe. Sounds like a smart thing to do, until you have to make a claim and then you wished you had read all the fine print.

In principle I want value for my dollar but I don’t wish to put a price on my being. Life insurance strikes me as just plain evil. I don’t want to think that a death settlement would be compensation for my lack of presence. I know I am approaching my expiry date but my body is not insurable in the sense that my loss can be put on some corporate ledger. Insurance doesn’t provide balance. Keep your policies! My value is intrinsic.

Re: Label

Things can be labelled but people must not. I don’t like to label others anymore than I enjoy having a tag placed on me. Humans are varied as a species and as individuals. Each single soul has multiple characteristics. I am not one thing: I am retired, male, Canadian, married, a writer, a dreamer, an adventurer, a grandfather. All those things and more. To label me would be an insult to all I was, and will be. Freedom is being unlabelled.

In my workshop I once had a labeller thingy: one of those devices you could punch embossed letters or numbers onto a plastic adhesive tape. The tape came in a variety of colours and was useful to denote things that begged to be sorted. It was a fun gizmo that I used to fashion labels for my sons’ belongings. I organized their shelves, their toys, their dresser drawers. I taught them how to read using the coded labelling as a practical way to put things into groups.  I organized their life because when my life was organized I felt a certain measure of peace.

Labels are often inefficient even though they are used to inform. The label on the can of baked beans on a shelf in a grocery store tells us its ingredients, even how beneficial it might be to our health. Yet it cannot tell us how it will taste. Companies pay huge sums of money to marketing firms to advertise their products. Labels are helpful to making money on products that people are told they must have for happiness or success. Labels sometimes rise to the status of brands and logos when they have become personified. Consumers become conditioned to believing that the labels they choose to buy will enhance the person they want to be in the global marketplace of our corporate world.

AI is raising the bar on labelling practises. Our personal phone devices are programmable to the point that they can scan codes. Under the guise of making life easier, we are folding ourselves into the capitalist matrix every time we use a QR label. In an insidious way we become a label to the machine of commerce because our personal data gets fed into AI systems that analyze our preferences and performance as a customer. In this scenario we risk our role as citizens when our civilization puts greater value on transactional bytes.

As a career elementary school teacher I was involved in many meetings where children were classified. Criteria for selection into groups varied. Many of us resisted the use of distinguishing labels. Our intent was for our students to be their fullest selves. During the horror of Nazi Germany a precedent was set for identifying humans considered to be of lesser value. We must resist being labelled in the name of profit, protocol or politics. Using scanning devices to assign us to a strata of consumer culture, to make us mere cogs in the wheel of Consumerism, or any ‘ism’, is a corruption of what it means to be Human.

Re: Tax

“This job is taxing me.” My mom used to say that I was taxing her patience, leading me to believe that the verb to tax was a negative thing. My wife and I have just been through a taxing experience; the slow death of her father. It’s not easy saying goodbye especially when you have a duty to care for another.

Most folk use the word Taxes in the context of paying them to their governments. There is a tax on most things in a modern society. When we buy stuff there is an expectation that some of what we pay will go to a municipal, regional or federal coffer. Many of us resent the fact that a government always has a hand in our pocket. Most of the time I can get my head around the need for group participation in financing needed services. Collectively we have to have a way to pay for the roads we drive on, the hospitals we go to in emergencies, the schools where we find enlightenment, the infrastructure elements that provide for the continuation of our culture. The importance of being taxed in this way must be viewed as a positive thing if we are to consider ourselves members of a caring society.

We all have a duty to care for our neighbour. Sometimes it is on a personal and intimate level. Sometimes it is anonymously through paying taxes. I find it difficult to place a coin in the hat of a soliciting homeless person who regularly frequents a corner in our downtown. I don’t resent his presence, I feel sad for his predicament. I gain some solace knowing that I pay taxes to a city government that has a progressive housing initiative. I don’t mind paying my fair share. The fact that our tax system is unfair bugs me though.

#Taxtherich is a well used hashtag on Twitter for good reason. Taxation policies in my country and other developed areas lack equity. Records, research and anecdotal stories abound of the one percent of us who find exemptions to paying taxes in proportion to their income. Employees of big companies often pay more taxes than the CEOs who run the corporations. Governments are reluctant to close the tax loopholes or institute a wealth tax for fear of investment going elsewhere. Consequently social programs are run through raffles and bake sales, while the super rich play with their money buying yachts and building spaceships. This imbalance taxes my patience for an equitable resolution.

The game of Monopoly depicts an unbalanced corporate world, but at least there is a luxury tax card. Several among the millionaire/billionaire class have boasted that they will give their fortunes away. I don’t believe that philanthropy is the answer to such a persistent societal need. Citizens have a responsibility to vote for fair tax laws. Once upon a time in the Americas the notion of Taxation/Representation was enough to cause a war. It’s one thing to be independent from tyranny, it’s another to find ways to support each other’s needs.

Re: Contract

After watching the film ‘An Affair To Remember’ with my 94 year old special mom, she engaged my wife and I in a discussion about marriage. “Why would anyone get married these days?” Our conversation covered the idea of a union being a contract between two people desiring to show a public commitment to each other. “But why?” She still wanted to know. We didn’t have a scientific explanation.

The business case for a marriage contract is pretty straight forward. There is money involved. Bank accounts. Valued possessions. Pets even! Most jurisdictions contend that after a certain amount of time in cohabitation two people are seen as having an agreement as a couple. I’m no divorce lawyer but the argument seems to go that a 50/50 split is required if your differences become irreconcilable. Now this can change if you both had the forethought to sign a prenuptial contract. To me that is just cold comfort because a prenup seems calculated to find failure. But prudence can be a red flag. I don’t believe love can be found anywhere near a judge. Justice maybe, but no love baby.

Getting a new phone contract was very stressful. So many decisions to make. Multiple offers were presented regarding data plans, equipment, insurance, privacy. I was glad my bride was there to help me not feel manipulated by a Glengarry Glen Ross style salesmen. Our guy Michael seemed trustworthy. I only used a signature once at the mall kiosk and that was on an iPad using my finger. Looking over the fine print of my new communications econtract that was sent digitally to my email account, I see that there are stiff penalties if I don’t return the upgraded equipment. Hopefully my anxiety will dissipate over time.

I do like the security of a contract when it comes to major purchases. This is the language of a black and white world. I’m old enough to still understand the respect shared with a handshake. An understanding is arrived at that I will provide payment for services clearly spelled out in writing. Yes, there are grey areas indicated in the fine print even in the most iron clad agreement (it’s almost a given that no one reads this part of the contract). Perhaps this is where the social contract overlaps with business contracts: Perhaps trust is the ink in the pen, fluid until it sets.

When I chose to marry, my intent was to make a promise to myself as much as to my wife. Our vows were on a beach. We didn’t have a signing ceremony, although we did receive an official certificate of participation. We began the business of living together not in a contractual sense but as a memorandum of understanding. We recognized there may be grey areas, yet we would make space for amendments. We never wanted to let ourselves down during our association.

I’m a romantically formal guy in one sense: On that beach we signed our Magna Carta: A loving charter of rights and privileges between two souls.

Re:Sale

Imagine the things you might find in an apartment that’s been occupied for half a century. Now picture what a yard sale for all those possessions might look like. For Sale: TVs, sets of dishes, fancy crystal stemware, so many china teapots that Alice would shake her head in wonderment, silverware, tables, chairs, dressers, desks and Curios for every type of collector. We called it a closing out sale to celebrate the end of life at this location. A move across country required a ruthless attitude to paring down. Stuff was given away, or tossed. We were determined to take nothing but memories.

I’ve known some folks who love to cruise the neighbourhood on the weekend looking for signs posted for yard/garage/driveway sales. Everyone loves a bargain. I’m always surprised what sells well at these events. One man’s garbage is another man’s treasure they say. My experience with selling/buying at a resale level has had mixed results. As a seller, I can never fully get the price I originally paid out of my head, so resentment builds as bargain hunters try to wheedle the cost down. As a buyer my primary concern is not to feel like a chump for getting something for more that it’s worth.

Value is the key to these negotiated transactions. Both the buyer and seller can feel respected for their choice if they can agree on a value. Many times this is less about the money and more about the wonder of the bargain. Sentimentality plays a role. One customer looked dreamily at a fine china tea set for four. She admitted she didn’t have much money. She called her mom. We talked price. I was happy to let the set go for one low, low price seeing how much it meant. Another young boy asked me to price a large family bible. I said I couldn’t because it was free. They both got a dose of wish fulfillment.

I think of the character Ebenezer Scrooge and how he learned that the dogged pursuit of a sale  did not make him happy. I’m thinking of the Grinch; how he puzzled and puzzled about just Who could determine the worth of things. At my yard sale I went from thinking I’d never have another again in my life, to thinking a marketplace is one invention we humans make special due to the connectivity that is found in people gathering to fill needs and wants. Some of my younger customers left literally hugging their purchase.

I’m a reluctant salesman. Even when I enter negotiations as a buyer, I don’t like the back and forth of bargaining. In my perfect world, items are created and services provided in a free exchange. Ask and it shall be given you, seek and you shall find. Before this apartment liquidation sale my wise eldest son calmed my jitters by remarking how it was an opportunity for me to play Santa. Great idea! I added some carnival/gangster style salesmanship: “Step right up and make me an offer that I can’t refuse!”

Re: Job

Job is another word for purpose. A job can be a mission. It can be a task. It is a moment when you create something or serve a function. I have thought of my responsibilities to my family, especially when my boys were younger, as my primary concern. Philosophically and faithfully, I see my inner circle, blood relatives or not, as my first occupation.

Lucky is the person who can find a job that matches his/her personality. For example, an empathetic person would do well to search for a job where caring is the main requirement. I like the idea that a job can become a proper noun, a title even! In the olden days folk were actually named for what they did. Mr. Fletcher would be the bloke who made arrows, Mr. Cooper would be known because he was skilled at making barrels and casks. And of course every village had to have a Mr.Smith. What we consider our job is an integral part of who we are in the small community or the larger world.

A decade ago when people asked me what I did after retiring from a career in teaching I would think of myself as a Witness or a Volunteer. For a while now I’ve called myself a Writer. My wife has a full time caregiving position looking after her dependent mother. It’s a privilege and a challenge attempting to meet the needs of someone with disabilities. Our health care system might do a better job supporting these homecare efforts.

My late wife used to complain that the title of Homemaker wasn’t recognized in a financial way. At gatherings she’d be asked the classic cliché “And what do you do?”  To which she’d stand tall and say, “Looking after my family is my job.” The decision for one member of a partnership to work at making a home has incredible tangible benefits for those who can financially manage such a proposition. The roll you take on in a family dynamic can be very much like that of an employee in a progressive nurturing company and could be recognized financially through a form of guaranteed income supplement.

We live in a Gig Economy where workers have been encouraged/conned into believing they are independent contractors, letting employers off the hook for medical, insurance and other employment related responsibilities. In my father’s day these folks would be called jobbers, essentially someone who does piecework, taking on random assignments to make ends meet.  My dad often worked at multiple jobs throughout his lifetime, much like my eldest son does now. Both men discovered that hard work is no ticket to prosperity and getting a job that satisfies AND pays the bills is most often a matter of luck. The Silhouettes got lucky.

https://www.youtube.com/watch?v=tANdsZW_vY4

The biblical Job is written as having lived a cursed existence through no real fault of his own. Perhaps if God had arranged for him to have a better job, things would have worked out better.

Re: Symbol

Symbols must change or perish. I worked in elementary school education, an institution remarkably slow to change. In policy and practise, the methodology of teaching has not changed significantly either. From slate to iPad our technology has advanced but the symbolism of students being given information by teachers is still with us.

Our country’s flag is a symbol. I can remember when the Red Ensign flew in the school yards of my youth. In the classroom it hung beside a picture of Queen Elizabeth, symbolic of her reign over us all. In 1965, when our flag became the familiar red maple leaf it symbolized our emergence as an independent nation; even though Governors General still symbolically stand in for Her Majesty in our government. My country’s flag currently is misrepresented to promote Freedom by truck driving convoy members bent on overthrowing parliament.

As I watched the visit of Prince William and his wife Kate to various Caribbean Islands, I grieved for our inability to create new symbols of service instead of perpetuating signs of servitude. A member of England’s royalty providing blessings is old news that holds us back from the challenges of working together. https://www.youtube.com/watch?v=tDCQUPEiqmA

Statues of once revered politicians and conquerors are being torn down throughout the world in what might be described as a mass awakening to the lack of relevant symbolism. A common wealth of nations is what the United Nations was set up to accomplish without irrelevant figureheads.

Around the world Wealth has become symbolic of power. Those who have fortunes are allowed to judge those who don’t. Television programs Dragon’s Den and Shark Tank ask participants to come before a court of Oligarchs to plead their case. Billionaires like Elon Musk are permitted to manipulate entire industries with their fearsome purchasing might. Few societies, past or present, have been successful in limiting the power of the wealthy. I live in a province where First Nation potlatches were once banned by governing white colonists because they couldn’t understand the symbolism behind a ceremony where the rich gave away their possessions. 

For something to be symbolic it must have a strong link to Value. Corporations try to sell their products as symbols of something we care about. If the company logo can be imprinted on our collective psyche then it’s easy for us not to question how the plastic wrapped item got into our hands or homes. Watch closely the next time a commercial interrupts your baseball game. The ads are all about symbolism, not about the substance of what is being offered for sale. Gambling (particularly on-line sports betting) is being strongly promoted as a citizen’s right. The dollar sign is a dominant symbol in our capitalistic world.

I’ll join others who are sounding their cymbals in the world symphony of warning. An awareness of the role symbolism plays in our lives is critical. To my ears the music of money is not sustainable. The cries of those suffering are falling on deaf ears.