Lasting lessons basketball taught me part one: An introduction

The first principle of my blog is “Creating Ecosystems of Success”. I originally published this series on the Examiner back in 2014, and with ‘March Madness’ upon us yet again I’ve decided to republish it. As a teen I had dreams of being a basketball player just like a lot of kids – a dream one must have lots of ability, drive, and luck to achieve. I didn’t play basketball beyond high school, but the lessons I learned on my high school team – not all of them happy and pleasant, helped me as I progressed into adulthood and into my Science, Technology, Engineering and Mathematics (STEM) career. I’m actually working on an ambitious writing project chronicling that journey. The themes of that project are captured in this four-part series.

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Dr. Ken Jones my high school basketball coach was a true student and scholar of the game. In addition to teaching us as much as he could about the fundamentals of basketball, he was also interested in the psychology of sports and wanted to teach life skills to his players. He frequently told us, “As much as I want you guys to become good basketball players, I also want you to become good people.”

Right around the time of tryouts one year, he gave all of us an article from USA Today titled; The joy of victory is why sports exist, by Jeff Riggenbach. While the author argued that the main reason for competition is the thrill of victory, he also stated, “One of the principal reasons we like to see kids get into sports in the first place is what they can learn from the experience right?”

Important lessons they learn include:

• How to set a goal and work toward it
• How to coordinate their own efforts with those of their teammates
• How to achieve and maintain the flexibility to respond to the ever-changing moment
• Making quick alterations in plans, strategies and tactics

He continues, “These are lessons that would benefit anyone, not only on the playing field or court, but also in business, politics and every other sphere of human life. To learn these lessons, you don’t need to win, necessarily. But you do need to want to win, and you do need to try with all of your might to win.”

Though unable to play even pickup basketball these days for medical reasons, the game is still frequently on my mind; the Xs and Os, the strategies, and the longing for that feeling of competition. Most importantly the many lessons the game taught me about life are always fresh on my mind. With March Madness upon us, this next series will discuss the lasting lessons basketball taught me about life, people and success, and how those lessons have translated into the adult world.

Some of the best memories of my life were my years on my high school basketball team at Hutch-Tech High School in Buffalo, NY. Similar to some of my teammates at that time, it was an experience that didn’t go exactly as planned. Even though it had its share of heartbreaks, it was also a molding experience for me and those experiences have continued to play out throughout my life well after high school.

The players and arenas have changed with every new experience, but the themes and lessons have translated into adulthood. Learning about dribbling, hook shots, and proper defensive techniques were fun, but basketball taught me so much more. It taught me about the most important game of all, the game of life.

Even for young people who don’t go on to play big time college sports, participating in high school interscholastic athletics can be a very rewarding experience which can impart important life lessons. Most of these lessons will translate into the adult world, the workforce and interpersonal relationships. This series will therefore be a reflection on the lessons basketball taught me and how they’ve translated into my life, my career and my many relationships with people along the way. The lessons will be broken up into the following categories:

• Life lessons
• People, Teamwork and Leadership
• Success in life

Many of these lessons are universal and could be gleaned for example from the documentary Hoop Dreams, a very moving film for me which tracked the high school basketball careers of Arthur Agee and William Gates in the early 1990s. Though their basketball careers were much more successful than my own, their experiences, trials and tribulations were similar in many ways to my own.

This series will be continued in part two of the Lasting lessons basketball taught me. Thank you for taking the time to read this blog post. If you’ve found value here and think it will benefit others, please share it and or leave a comment. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right hand column in this post and throughout the site. Lastly follow me on the Big Words Blog Site Facebook page, on Twitter at @BWArePowerful, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

 

The Best Apps for Crypto Investment

I am pleased to present my first guest post for the Big Words Blog Site. It comes courtesy of Michael Kordvani, the Head of Search Engine Optimization (SEO) of the App development agency Fueled, and it discusses the best Apps for ‘Cryptocurrency’ (Crypto) Investment – a topic related to two of my posts which discussed both Bitcoin and Blockchain Technology. While this post recommends the best Apps for financial transactions using cryptocurrencies, it is worth noting that the Big Words Blog Site is not involved in rendering personal financial advice to readers and is thus not liable for any financial decisions made by readers.

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There are now loads of different cryptocurrencies to invest in, but how do you keep track of all your investments, and the changes in the market?

No doubt you’ll want to use your smartphone to manage your crypto investments. While we’re not always in front of our PC, we’ve usually got our smartphone to hand, and when it comes to cryptocurrencies, things can change fast. Being able to access your investment data quickly, any time you like, wherever you are, is pretty much vital.

Blockchain development has been highly concentrated in the area of crypto investment apps, so you have plenty of choice when it comes to apps to use. Here’s our pick of some of the best apps for managing your crypto investments…

Coinbase

If you’re new to crypto investment, then Coinbase is a good choice as it’s very easy to use. Setting it up and then making sense of the information displayed is very simple. It’s very popular at the moment with more than 10 million customers using their system.

Gemini

Gemini is another popular choice, and currently benefits from slightly lower fees than Coinbase. This is an intuitive app with lots of reporting capabilities and some great graphs to help you make sense of all the information it presents.

Blockfolio

Blockfolio is particularly useful for anyone with a diverse portfolio. It’s a powerful tool that can seem complicated at first, but it’s well worth spending the time getting to grips with it if you’re dealing with a wide range of investments across several cryptocurrencies. Blockfolio tracks more than 800 different cryptocurrencies and sends push notifications to your smartphone when levels reach your predetermined threshold.

Investing.com Cryptocurrency

If you tend to trust apps from long established companies, then take a look at Investing.com Cryptocurrency. This company has been giving us investment advice for over 10 years now so it’s no surprise they’ve moved into the cryptocurrency market too. Through their app you can track 1300 different cryptocurrencies in real time, and you have the advantage of seeing historical data too. This app will also allow you to set alerts for when your goal price has been reached.

Bitcoin Wallet from BTC

This app from BTC is easy to use and is nicely designed to be simple yet efficient. It’s very secure and has reasonable transfer fees. It offers a good backup system, so you’ll never lose your data, and you can also transfer Bitcoin via QR reader. This app only deals with Bitcoin though, so if you’re investing in other altcoins, then you will probably want to look at our other recommended apps rather than this one.

Xapo Wallet

If security is top of your priority list when choosing a crypto investment app, then they don’t come much more secure than Xapo Wallet. The Wall Street Journal described their security as ‘the Fort Knox of cryptocurrency storage’. It gives you three layers of security and it’s also very easy to use with a smooth interface.

BitTrade Scalping Terminal

BitTrade Scalping Terminal is ideal for those of you who want to make big profits on the small price movements that are so common in the cryptocurrency trading world. It is a cryptocurrency scalping tool that boasts a clean interface, demo trading option for those of you who are new to the process to learn the ropes with, and best of all, it’s browser-based so you don’t even need to download it.

A Black History Month Look at West Indian Archie: A Story of Wasted Scientific Potential in the Inner Cities of the United States

“People in the inner cities are naturally creative and inventive often times out of necessity.”

A Quick Plug for My Book

Hello. Thank you for clicking on this link, and I hope you enjoy this essay. Writing a book was the genesis of my blogging and becoming a video content creator. I have published part one of my book project entitled, The Engineers: A Western New York Basketball Story. It is currently available on Amazon in eBook, hardcover, and paperback formats. Shortly I will be selling signed hardcover and paperback copies on my online store entitled Big Words Authors. You can place an order now if you want a signed copy. There is also a page discussing the book. Please consider visiting it to learn more about the project and see promotional content I’ve created surrounding the project. And now on to our feature presentation.

An Important Character in Malcolm X’s Story

I originally published this piece on the Examiner in February of 2016.  It is not about a Science, Technology, Engineering and Mathematics (STEM) practitioner or inventor per se, but instead it is a look at an individual who had the potential to practice science.  Because of life choices and circumstances however, he used his intellectual gifts for criminal activities.  This person is an example of the wasted intellectual ability in the United States’ inner cities and also something my father talked about which was that, “People in the inner cities are naturally creative and inventive often times out of necessity.”

Harlem’s Master of Memorizing Numbers

West Indian Archie was portrayed by Delroy Lindo, in Spike Lee’s Malcolm X starring Denzel Washington.  Though he was a minor character in the movie and in Alex Haley’s The Autobiography of Malcolm X, West Indian Archie holds several significances, particularly in the realm of science.  Many of these significances are extremely relevant today in an era where there is a great push to get underrepresented minorities involved in STEM.

Malcolm X (then Malcolm Little) first met West Indian Archie in New York city prior to converting to Islam and dedicating his life to Civil Rights.  West Indian Archie was one of the bigger players in the ‘Numbers’ game in Harlem who had done time up the Hudson River at Ossining State Prison best known as ‘Sing Sing‘.  He eventually took Malcolm under his wing and taught him the Numbers game, and used the novice in his illegal activities.

West Indian Archie had the amazing ability memorize long sequences of numbers such that he never had to write them down.  He in fact warned Malcolm never to write his customer’s numbers down to minimize the potential for incriminating evidence should he get apprehended by the police.  As with most street partnerships, theirs eventually crumbled due to greed and ego, and Malcolm Little eventually fled Harlem to save his own life.

After Malcolm Little converted to Islam and became Malcolm X, he later found West Indian Archie close to death and the two reconciled their differences.  After educating himself in jail and gaining a new perspective on the world, Malcolm X realized that someone like West Indian Archie with his ability to memorize long sequences of numbers, could have used his talent to become any number of things particularly in the sciences. He could have become a physicist, an astronaut, a mathematician, etc.  He realized that in blighted urban areas all over the United States there were similar minds with the abilities to practice science that were wasted and used in things like criminal activity by default–a challenge we still face today.

Delroy Lindo Reflects on Portraying West Indian Archie

A powerful thing to hear is an actor/actress reflect on playing a character. Delroy Lindo reflects on portraying West Indian Archie in the YouTube video embedded below. He discusses the significance of the character in addition to being a part of Spike Lee’s legendary film on Malcolm X.

Other Black History Content

Thank you for taking the time out to read this blog post. If you enjoyed this post, you might also enjoy:

Whose job is it to teach Black History?
The story of how I earned my STEM degree as a minority
How my HBCU led me to my STEM career
Ben Carson’s education story and what it means revisited
A Black History Month reflection on Percy Julian
A Black History Month look at NASA’s Lieutenant Colonel Michael P. Anderson

The Big Words LLC Newsletter

For the next phase of my writing journey, I’m starting a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my writers blog Big Words Authors, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.

A Black History Month Look at NASA’s Lieutenant Colonel Michael P. Anderson

A Quick Plug for My Book

Hello. Thank you for clicking on this link, and I hope you enjoy this essay. Writing a book was the genesis of my blogging and becoming a video content creator. I have published part one of my book project entitled, The Engineers: A Western New York Basketball Story. It is currently available on Amazon in eBook, hardcover, and paperback formats. Shortly I will be selling signed hardcover and paperback copies on my online store entitled Big Words Authors. You can place an order now if you want a signed copy. There is also a page discussing the book. Please consider visiting it to learn more about the project and see promotional content I’ve created surrounding the project. And now on to our feature presentation.

The Black Astronauts

While there are actually quite a few black astronauts, two names that immediately come to my mind are Mae Jemison and Ronald E. McNair. The TRIO program which led me to my graduate research was actually named after Ronald E. McNair who died during the tragic launch of the Space Shuttle Challenger STS-51-L.

Discovering Lieutenant Colonel Michael P. Anderson

Since volunteering at the David M. Brown Arlington Planetarium, I’ve become aware another black astronaut, Lieutenant Colonel Michael P. Anderson. Michael P. Anderson was a member of the crew of the Space Shuttle Columbia STS-107 which disintegrated upon re-entry into the earth’s atmosphere on February 1, 2003. Anderson served as the payload commander in charge of science experiments on the Columbia.

A biography of astronaut Michael P. Anderson is readily available on line, but just briefly, he was born into a military family in Plattsburgh, NY but grew up in Spokane, Washington. He earned his Bachelor of science degree in physics and astronomy from the University of Washington in Seattle in 1981, and in 1990 he was awarded his Master of science degree in physics from Creighton University. Colonel Anderson entered NASA by way of the United States Airforce where he was selected for astronaut training being one of the 19 candidates selected from 2,962 total applicants. Prior to the STS-107 mission, Anderson participated in the STS-89 Endeavour mission.

The Columbia STS-107 Crew

The Space Shuttle Columbia STS-107 disaster occurred due to critical damage to the shuttle’s ‘orbiter’ when foam from the fuel tank’s insulation fell off and tore a hole in Columbia’s left wing. During re-entry, the hole allowed super-hot atmospheric gases to penetrate the orbiter’s wing, leading to its destruction. The other astronauts in the crew included:

• Rick D. Husband
• William C. McCool
• Kalpana Chawla
• David M. Brown
• Laurel Clark
• Ilan Ramon

The picture of the Space Shuttle Columbia STS-107 and its crew used in this post was provided by David M. Brown Arlington Planetarium.

The Big Words LLC Newsletter

For the next phase of my writing journey, I’m starting a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my first blog, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.

A Case For Making Schools Safer Revisited

“A caller recommended to journalist John Fund and the host that a way to make schools more secure would be to set up perimeters and having metal detectors in most schools.”

I originally published this article on the Examiner back in 2012 shortly after the Sandy Hook shooting in Newtown, Conn. While much of the debate afterwards focused on the National Rifle Association (NRA) and banning firearms, someone suggested making schools safer – an approach I was in favor of even if American’s 2nd Amendment rights were taken away. After all, can the bad guys be legally prevented from getting their hands on firearms?

Recently after this most recent mass school shooting in Florida, the same debate has arisen. President Donald J. Trump set off a fire storm when he suggested arming teachers, and the NRA’s CEO Wayne LaPierre followed up stating that a more sound approach would be greater armed security at schools. Six years later, mental health is working its way into the discussion, but we’re essentially still having the same debate. As with many of my blog posts, the pictures used are courtesy of the Washington Post’s Morning Express.

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In the previous three articles, factors that specifically affected learning were addressed: attitudes, socioeconomics, and environment. In light of the shooting at Sandy Hook Elementary School in Newtown, Conn. on December 21, 2012, this article will focus on thinking about how to create safer schools, and preventing similar tragedies. Admittedly, this is a very complex issue with no simple solution. The intent of this article is to add to a discussion which will likely continue for a very long time.

The majority of discussions in the media have focused strictly on the 2nd Amendment (the right to bear arms), and gun control. Discussions about making schools themselves more secure have been the minority. Predictably discussions in the social media world erupted in addition to the mainstream media demonizing the NRA and calling for stricter gun control measures. One of many threads on Facebook generated a debate of up to 80 comments about gun control.

On CSPAN the morning of December 18, 2012, a caller recommended to journalist John Fund and the host that a way to make schools more secure would be to set up perimeters and having metal detectors in most schools. Mr. Fund replied that it would be, “too costly and difficult to implement.” Even if that is true, isn’t protecting the lives of innocent children and faculty members worth the cost?

It has been 14 years since the middle school massacre in Jonesboro, Ark., 13 years since the Columbine high school massacre in Littleton, Colo., and 12 years since six-year old Kayla Rolland was shot dead at her school in Mount Morris Township, Mich., by another first grader. Each of these tragedies involved fire arms being brought into schools.

Whether it’s a shooting at a school, a Jewish temple, or in a movie theater, control of guns is clearly a daunting task. While the majority of gun owners are responsible, legislators on Capitol Hill cannot predict when an Adam Lanza, or some other assailant will go on a random or premeditated killing spree. While movie theaters, shopping centers and places of worship are difficult to protect, carefully policing who and what enters an elementary or high school should not be.

Whenever these shootings occur, innocence is further stripped away from everyone, especially from school environments. Our world is not the safe and secure place that it once was even in seemingly secluded suburban areas. Suburban schools may now need to be secured similar to their urban counterparts, and unless appropriate measures are taken, we may continue to see tragedies such as that in Newtown, Conn.

Understanding Professional Learning in Education and how it can be implemented to teach school teams about safety is going to make a big difference to the way in which you run your school. Schools need to be a place children can learn and grow, not a place where they experience undue fear, and hide. Suburban schools may now need to be secured similar to their urban counterparts, and unless appropriate measures are taken, we may continue to see tragedies such as that in Newtown, Conn.

Following the September 11, 2001 terrorist attacks, air travel was forever changed. Because of those events, no one will ever again be able to fly commercially without having to go through stringent security measures. Millions of people fly every day, and it is now considered normal. Similarly, most state and federal government buildings require walking through metal detectors prior to entry for visitors. Isn’t it time to find a similar solution to keep our schools safe?

Thank you for taking the time out to read this blog post. If you’ve found value here and think it would benefit others, please share it and or leave a comment. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right hand column in this post and throughout the site. Lastly follow me at the Big Words Blog Site Facebook page, on Twitter at @BWArePowerful, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

A review of Marvel’s Black Panther

I’ve written numerous movie reviews on my blog. In the current review, I’m once again teaming up with my brother Amahl to discuss Marvel’s Black Panther. According to Yahoo, the film has already made an estimated $192 million over three days, putting it on track to surpass its $200 million production cost, and smash other box office records. Black Panther is the Marvel Cinematic Universe’s (MCU) latest offering leading us up to the Avengers: Infinity War Part One over the summer which will bring most of its characters back to the big screen, and will heavily involve the Black Panther himself and his home of Wakanda as seen in the theatrical trailer. In Marvel’s Black Panther, Chadwick Boseman returns to play the now King T’Challa/Black Panther along with an all-star cast including: Michael B. Jordan, Angela Bassett, Forrest Whitaker, Lupita Nyong’o, Letitia Wright, and many others. The following are our thoughts on the movie.

Amahl Dunbar: I think Black Panther could’ve alternatively been called ‘Wakanda: Episode 1’, because the script seemed to describe the hero’s home country versus solely describing his individual journey as is the case in most comic book movies. In the Marvel Universe, the beautiful African country of Wakanda is a highly technologically, and politically sophisticated nation. The oligarchy, government, and military work in unison to resolve major issues and maintain cultural harmony though one principle; Wakanda must not be influenced by outside forces in the form of colonists and immigrants.

The way it was written, Black Panther is subtle in its social commentary, never talking down to the audience. Most social and political messages are done with a laugh or a wry smile. As a matter of fact, none of the elements in the movie were overdone. Recently in the genres of ‘Science Fiction’ and ‘Action’ movies, the final battles between the heroes, the boss villain, and the other villains, involve turning up the speaker volume in theaters, coupled with quick fight scene editing to extend scenes, making the audience believe they’re seeing more than what they’re actually seeing. Not in Black Panther. All of the action scenes down to each shot are purposeful and meaningful because screen time is precious to audiences who can easily get bored.

Again I think the strength of Black Panther was that Ryan Coogler’s production team took the approach of building a world around its hero versus focusing solely on the hero’s journey. I look forward to the Avengers: Infinity War Part One, plus Black Panther 2 and 3. Marvel’s next challenge will be finding a foe formidable enough for King T’Challa of Wakanda.

Anwar Dunbar: First I would like to acknowledge the Donna M. Saunders Foundation for Breast Cancer Education and Support for hosting a private screening of Black Panther at the AMC Hoffman 22 in Alexandria, Va. It was an amazing event. The foundation does a lot of great work in terms of helping breast cancer patients and their families. The foundation gave attendees numerous collectibles and surprises before the movie started including: Black Panther posters, comic books, and work books. Prior to the start of the movie the foundation also gave us an additional surprise – an introduction by author Jesse J. Holland who authored Who Is The Black Panther?, a novel about the Black Panther’s history. Mr. Holland signed copies of his book after the viewing of the movie.

Leading up to the its release, Black Panther was unique from the other films produced by the MCU in that it appealed to two different audiences. Featuring a mostly black cast and production crew, it created a buzz and drew viewers other than the usual Super Hero/Science Fiction ‘junkies’ like my brother and myself. One could argue that movie for Black America was actually a cultural event as much as it was a movie debut – a source of controversy leading up to its release. The excitement leading up to film was unlike anything I’d ever seen before and was the result of brilliant marketing by Disney and Marvel who strategically scheduled Black Panther’s release during Black History Month.

In terms of my review of the movie, I have to admit that growing up reading mostly DC Comics, I didn’t know that there was a Black Panther character in the Marvel Universe. Five years ago, a friend mentioned that Black Panther was going to get his own movie which was my first time hearing about the character. My first time actually seeing the character in action was in Captain America: Civil War almost two years ago. Coincidentally, consistent with the MCU’s seamless storytelling, Black Panther picks up where we left off in Civil War where T’Challa was trying to avenge the death of his father T’Chaka whose decisions as a younger king to protect Wakanda, drive the plot and story throughout the current movie.

The movie was amazing in terms its acting, action and visuals, but what stood out to me most were the messages in it. As I stated on Twitter shortly after seeing it, it wasn’t the typical light-hearted action adventure with a teachable moment like the MCU’s other movies. It had definite political and social commentaries/messages built into its script which actually had me pondering things like: economics, foreign policy, and immigration as I was watching the film. In addition to having a mostly black cast, there was a strong female presence in terms of Wakanda’s military and scientific innovations. Shuri played by Letitia Wright turned out to be my favorite character.

Similar to some of the other reviews I’ve heard and read, Ryan Coogler’s Black Panther didn’t feel as though it was completely about T’Challa/Black Panther. Michael B. Jordan’s Killmonger also commanded the screen in a very significant way, and actually won the sympathies of many in the audience. I look forward sequels to Black Panther and also seeing how Wakanda factors into the Avengers: Infinity War. Based upon the trailer, there is going to be a huge battle involving Black Panther and his home of Wakanda. I’ll give Black Panther an –A on the basis that it didn’t dovetail back into the MCU’s overall story arc in the same ways the other movies did – perhaps due to the fact that Wakanda is an isolationist society in terms of its story. That said I will see it multiple times, and purchase a copy when it’s released on Blue Ray and DVD.

Thank you for taking the time to read this review. If you enjoyed this review, you might also enjoy:

A review of Marvel’s Avengers: Infinity War Part One
A review of All Eyez on Me
A review of Hidden Figures
A review of Marvel’s Thor: Ragnarok
A review of Marvel’s Spider Man: Homecoming
A review of Marvel’s Dr. Strange

Our Twitter handles are @amahldunbar and @BWArePowerful. If you liked this review, please do click the “like” button, leave comments, and share it. Please visit my YouTube channel entitled, Big Discussions76. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right- hand column in this post and throughout the site, or add the link to my RSS feed to your feedreader. Lastly follow me on the Big Words Blog Site Facebook page, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

Dr. Namandje Bumpus discusses her educational path, and her research career in Pharmacology

While black history should be celebrated throughout the year and not just in February, the month provides the opportunity to not only recognize African Americans who have made significant contributions in the past, but also those who are presently making history. As there are numerous African American scientists and innovators who are typically celebrated during black history month in Science, Technology, Engineering and Mathematics (STEM), there are also quite few African American scientists in modern times that are worth recognizing. One such scientist is Dr. Namandje Bumpus (pronounced Na-Mon-Jay), of The Johns Hopkins University. On Feb. 1, 2016, Dr. Bumpus granted an interview to discuss her background, the path to her current career, and potential avenues for under-represented minorities to get involved in STEM. I originally published this piece when I wrote for the Examiner, and two years later, I’m republishing here on my blog.

Anwar Dunbar: First Namandje, thank you for this opportunity to interview you. My writings in February tend to focus on Black History Month and as a scientist myself I want to shine the light on other African American scientists and innovators who are currently in the trenches expanding our scientific knowledge. Also being in the biological sciences versus the information technology and robotics fields, it’s not so obvious to the lay person what a pharmacologist is, so for all of these reasons I thought about you. With those things being said, let’s start.

Talk a little bit about your background. Where are you from? Were there any scientists in your family who you were exposed to at an early age? Were you always interested in science? If so, was it always biology or were you good at other parts of STEM, mathematics for example?

Namandje Bumpus: I was born in Philadelphia, but grew up in western Massachusetts. There were no scientists in my family. I had an uncle who spent some time working in a lab as an undergraduate student. He wasn’t a scientist, but he still talked to me about how he enjoyed working in the lab. Hearing about his experiences working in a lab was interesting to me. Early on I liked chemistry. My parents and others in my family started getting me chemistry sets when I was in elementary school because I started vocalizing that I thought science would be something interesting to do.

I worked through them (chemistry sets) and I really liked it, and when I was ten (pre-email), I actually wrote a letter to the American Chemical Society to ask about information for careers for chemists. They sent me back lots of brochures and a letter discussing things you could do with a chemistry background. That really got me even more excited just having all of that information and starting to dream about the things that I would do. So I was really more chemistry focused until high school when I finally took a physiology class, and then realized that I wanted to lean more towards biology and physiology.

AD: Talk briefly about your educational path. We overlapped at the University of Michigan’s Department of Pharmacology. How did you get there? What got you interested in research?

NB: I went to Occidental College, a small liberal arts college and did some research there. We didn’t have many labs so I was doing plant research and I really liked that, but I thought that I wanted to do something that was more directly related to human health and physiology, so I started researching certain fields to see what that would be. I came across Pharmacology and it was something that seemed interesting, so the summer after my junior year, I applied for summer research programs in Pharmacology so I could try it out.

Michigan had a summer program called the Charles H. Ross Program for African American undergraduates to come and work in the Pharmacology Department for a summer, so I applied for that and I got it. That summer before my senior year, I had a really great experience in the department in general. I worked in Dr. Richard Neubig’s lab, and they gave us a short course where I was introduced to the principals of Pharmacology. That really sold me on Pharmacology and since I also had such a great experience in the department, I became really interested in going to the University of Michigan for graduate school.

AD: Not a lot of people understand what doctoral training is like and what it entails. You chose the lab of Dr. Paul Hollenberg which was a Cytochrome-P450 lab and we will discuss that, but what was it like learning how to do research? For example, what was the question you were looking to answer through your thesis project?

NB: In my project I was specifically looking at how genetic variances and mutations that existed in the population could impact their ability to metabolically clear certain drugs that are used clinically. We focused on a drug used to treat depression called Buproprion, and we looked at an HIV drug called Efavirenz. So I was looking at how genetic mutations could affect clearance of the drugs, and how those genetic variances might impact different people having genetic differences in drug-drug interactions.

AD: So would that be in the area of Pharmacogenomics?

NB: Yes.

AD: So as a Postdoctoral scientist did you work on a similar project? Or did you go in a completely different direction?

NB: Yes, my postdoc was somewhat different. I was looking at how lipids and fatty acids are cleared and how we regulate that process. Specifically, I was trying to find which pathways in cells were responsible for the metabolism of fatty acids. In particular, we were interested in stress activated pathways and seeing how activation of these stress pathways impacted expression of Cytochrome P450s that were responsible for metabolism of lipids.

AD: So right now in your own lab, what are you all working on?

NB: Lots of different things. The major focus has still been P450s, but looking at two different areas. The first is seeing how P450s and their metabolites contribute to drug induced toxicities, and to see if there are ways we can mitigate toxicities. We’ve had a focus on drug usage through HIV. The other side of my lab has been helping in collaborative clinical teams to develop drugs for HIV prevention, and trying to figure out how people’s pharmacogenetic variances in drug metabolism can impact their therapeutic responses when they are taking drugs used for HIV prevention.

AD: Now just briefly, from your doctoral studies through your postdoc, were there skills that you had to develop or did you come ready to go with everything? What were your major learning points as you worked through your thesis and your postdoc?

NB: My postdoc was really different. The experimental tools that I learned during my dissertation didn’t really help with what I wanted to do in my postdoc. I wanted to learn something new. Obviously the thinking and knowing how to design experiments was translatable. In graduate school I was doing a lot of mass spectrometry, more chemical-type techniques, and more biochemistry and enzymology. In my postdoc I was doing more in vivo biology and physiology, so I was using mice for the first time. I had never worked with a whole animal before. So I had to do a lot of cell isolation experiments and injections, things I had never done before; so I really had to learn a lot of new techniques for my postdoc. Now in my lab its great because we’re able to combine all of that, so we do a lot of mass spectrometry, biochemical techniques, in vitro mechanistic stuff/enzymology, as well as a lot more whole animal work, and a lot more whole cell work, things that I picked up in my postdoc, and I was able to combine both skill sets to build my program.

AD: And you did your postdoc at?

NB: The Scripps Research Institute.

AD: Did you always have the leadership skills necessary to run a lab or did you have to learn them? Was it a work in progress?

NB: Yes, you always build on it and it’s still a work in progress. I think you don’t necessarily get trained for it in graduate school or as a postdoc, but I tried to participate in things that were extracurricular; the Association for Minority Scientists at Michigan, and in my postdoc I was a part of our postdoctoral association, so I tried to pick up leadership skills by being involved in those other groups; but even still you’re not prepared to run your own lab. You really learn it as you go; you try things to see how they work. You talk to senior colleagues to get their advice and potentially go back and try something else. You take mentorship or leadership classes which I’ve done too, but I think it’s always a work in progress.

AD: We’re almost done. For the lay person, what are Cytochrome P450s and why are they important?

NB: They are proteins expressed in our bodies in all tissues, but mostly in the liver. What they largely help us to do is clear foreign compounds from our bodies. So for instance, if you are taking a drug therapeutically, you take it orally and you swallow it, one of the first places it’s going to go is into your liver. Your liver doesn’t want it to hang around and be inside of your cells forever, so we have these proteins that will change (biotransform) these drugs structurally to make them something that can be removed from your cells and removed from your liver. Thus, P450s are proteins that help us to clear foreign compounds and molecules. Drugs are obviously a large percentage of the foreign compounds that we’re exposed to, so we call them drug metabolizing enzymes.

AD: All of us went different routes after leaving Michigan. Some landed in the private sector in big pharma or the chemical industry. Others like myself, went into the public sector on the regulatory side, and I think I’m one of the only ones from our department to do that. A large chunk of our graduates went into academia which requires a ton of skills: leadership skills, entrepreneurial skills, and teaching skills. It’s also a very competitive environment and I very much admire my peers, such as yourself, who went that route. What made you decide to go into academia as opposed to the private sector or some other track?

NB: I think academia is the only thing that really fits my personality. I really like interacting with and training students. I like having a really close relationship with them where they come and work in my lab for several years while they work on earning a Ph.D. I get to see them grow. It’s similar with postdoctoral fellows. They come to the lab for a couple of years and I help them try to get to the next stage in their career.

I really love the educational aspect of the training. Additionally, I really like the broader training environment. In addition to my associate professorship, I’m also associate dean in the area of education where I get to spend a lot of time with graduate students who aren’t in my lab. I work more broadly with other graduate students helping them decide which lab they should choose for their thesis, and what they want to do next with their career. I further help them identify training opportunities for careers that they might want outside of academia. I really enjoy education training so this is the place for me.

Also, I like that scientifically, if I can dream it I can do it. If we have something that I really want to test in my lab, we can find a way to do it and test it out. I like the autonomy and the ability to be that creative with our science as well, so I think it’s a really good fit for my personality and goals.

AD: Now lastly, what advice would you give to young African American girls or those who are curious about science, but not sure that they can do it, or parents who are reading this and want to expose their kids to science?

NB: I think first knowing that if it’s something you really want to do, then you can do it. I think what’s most important about being a scientist is the passion for it and the interest. It’s not about everyone thinking that you’re brilliant. It’s about being interested and being a curious person and organically interested in science. I think it depends on which stage you’re at. If you’re in elementary school, starting off like me getting chemistry sets and microscopes is a good start – getting kids the type of gifts that will stimulate their interest and curiosity in science. Make them see that they do have the ability to do experiments and explore things on their own, and I really think that can get them even more excited about it. Microscopes, chemistry sets, and telescopes, those are things you start with from five years old.

Often times there are summer camps. At Johns Hopkins we have summer programs for people, middle school students and high school students. At many different stages you can contact local universities and museums to see if they have summer camps for science that kids can go to and that can be helpful. A lot of schools including ours have high school programs. In ours you can spend the whole summer working on a project and I think that’s a great way to see if you like scientific research and really get excited about doing research; so I think there are a lot of opportunities. You just have look out for them. The best place to start is contacting local universities and museums. Most universities will have a community engagement program you can contact for opportunities.

AD: The last question, Namandje, involves something personal you shared with me. The science community recently suffered a great loss, someone who was a mentor to you. Would you like to say a few words in memory of this individual? From what I gather, this person was also a female African American scientist.

NB: Sure. Her name was Dr. Marion Sewer. She was a full professor at the University of California-San Diego, and a Pharmacologist as well. She worked on endocrinology and really did a lot to understand the endocrine system and how it impacts lipid metabolism.

She was just a very highly regarded scientist and she was also someone who cared a lot about outreach. She ran a lot of programs that were focused on diversity and giving opportunities for people in high school through undergraduate school, and really spent time with postdocs to make sure there were really opportunities for people of different backgrounds, including African Americans, particularly for African Americans to have exposure to science. She was someone who was a really great colleague, a really great scientist and someone who also, in a rare way, really cared about people, service, equity and inclusion in science. She really inspired me and helped me to get my first National Institutes of Health (NIH) grant by reviewing it for me several times. She was more senior and experienced, and I think a lot of us have that same story where she helped us get started because she was so generous with her time, so it was definitely a really big loss.

AD: Well thank you for this interview opportunity, Namandje, and your willingness to discuss your life and career. A lot of people will benefit from this.

NB: Thank you, Anwar.

Thank you for taking the time to read this interview. If you’ve found value here and think it would benefit others, please share it and or leave a comment. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right hand column in this post and throughout the site. Lastly follow me on the Big Words Blog Site Facebook page, on Twitter at @BWArePowerful, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

Dr. Quinn Capers, IV discusses his path, #BlackMenInMedicine, and the present landscape of medical education

One of the focuses of my blog is STEM (Science, Technology, Engineering and Mathematics), and my most central principle is “Creating Ecosystems of Success”. While we tend to think of clinical medicine as strictly a ‘Healthcare Profession’, its foundations are actually rooted in the ‘Basic Sciences’.

I discovered Dr. Quinn Capers, IV on Twitter one day by chance and started following him when he was tweeting about medical education at “The Ohio State University”. The ‘hashtag’ he used in most of his tweets ‘#BlackMenInMedicine’ further piqued my curiosity. After seeing more tweets and pictures of himself and his medical students, I reached out to Dr. Capers, the Dean of Admissions of the Ohio University’s Medical School, and he agreed to do the following interview. In our interview which coincided with Black History Month, Dr. Capers discussed his own educational path, the ‘hashtag’ #BlackMenInMedicine, and the current landscape of medical education for prospective students.

Anwar Dunbar: Thank you for the opportunity to interview you Dr. Capers. I stumbled across one of your tweets one day which included the hashtag you often use; ‘#BlackMenInMedicine’. It caught my eye, in addition to the pipeline of black male doctors, you’re training there at Ohio State University. Even though you’re at The Ohio State University and I’m a University of Michigan alumnus, I thought interviewing you would be very beneficial to my audience as I’m a STEM practitioner and an advocate myself. Also even though we typically don’t think of medicine as a science, it very much is. With that, can you talk briefly about yourself? Where are you from? What got you interested in medicine?

Quinn Capers: Thank you for the honor of being interviewed Dr. Dunbar. Speaking of Black History Month, your last name reminds me of my high school in Dayton, Ohio. It’s named after our hometown hero; the first black poet who made a living with poetry, Paul Laurence Dunbar. I actually was born in Cleveland, Ohio and moved to Dayton when I was two or three years old which is where I grew up.

My answer to the question, ‘What do you want to be when you grow up?’ was always, ‘a Doctor,’ even as a toddler. I didn’t have any doctors in my family and to be honest, we didn’t see doctors regularly. It was only on an ‘as needed’ basis – i.e. if we were injured or got really sick. I’m not really sure where the thought came from, but I now assume God planted that seed in my heart and mind, as I truly feel I was ‘called’ to this profession.

AD: What is your family’s background?

QC: Though I was born and raised in Ohio, my parents and both sets of grandparents are from Talladega, Alabama. My parents moved to Cleveland, Ohio before I was born, and as stated earlier, we relocated to Dayton before my third birthday. My father is a retired police officer and my mother is a retired postal worker. They divorced when I was very young, and my mother raised my sister and myself. My sister and I were the first in our family to attend college.

AD: Are you the first medical doctor in your family? If not, who inspired you?

QC: Yes I am, but I have a cousin who was studying Pre-Med at the Tuskegee Institute when I was in elementary school. We spent many hours talking about our shared dream of being physicians, and she was always very loving and encouraging. She is now a successful Physician Assistant in New York City.

AD: Describe your educational path.

QC: I attended public schools in Dayton, Ohio on the city’s west side – the ‘black’ side of town. I was always enamored with Black History and read voraciously about black heroes. Because of this, I knew I wanted to attend a Historically Black College/University (HBCU). I wanted to be taught by professors that were making Black History and I wanted to be in the same buildings, on the same campus, walking the same path as so many of the black intellectuals, artists, and revolutionaries that I had read about.

I chose Howard University in Washington, DC for my undergraduate studies – one of the best decisions I made in my life. For medical school I returned to my home state to attend the Ohio State University College of Medicine. Since I had attended predominantly black schools from K-12 and then Howard, medical school was my first time stepping foot into a Predominantly White Educational Institution (PWI). People have asked me if being at a PWI after having been cradled in majority black institutions my whole life led to my feeling out of place, or ‘inferior’, or if it gave me an ‘impostor syndrome’. No, it was actually just the opposite. Because I had seen so much black excellence, I felt invincible. After medical school, my residency and fellowship training in internal medicine, cardiovascular diseases and interventional cardiology, took place at Emory University in Atlanta, Georgia.

AD: Were there any particular challenges for you on the road to becoming a medical doctor?

QC: There weren’t any big challenges that stand out other than the need to prioritize studying, not over partying, and delaying gratification. Many of my friends were enjoying being finished with school, buying their first car, first house, and essentially living their lives while I was still in school and/or training. But since the opportunity to work towards an MD was a dream come true for me, none of it seemed like an inordinate challenge.

AD: What is your medical specialty?

QC: I am an ‘Interventional Cardiologist’, which is a heart specialist who specializes in opening blocked arteries and repairing heart abnormalities or defects with ‘catheter-based’ approaches. We repair the heart by accessing the circulation through an artery in the arm or leg, and then threading tubes and high-tech catheters, balloons, stents, and lasers to the heart.

AD: If I recall correctly, former Vice-President Dick Cheney had a series of those procedures. How did you ascend to become the Dean of Admissions at the Ohio State University’s Medical School?

QC: After spending the first eight years of my career in a private cardiology practice, I missed teaching and the academic environment, so I sought a position at my medical school alma mater. In private practice, nearly 100% of a physician’s time is spent taking care of patients. In what we call ‘academic medicine’, doctors work at medical schools and university teaching hospitals and have three responsibilities: caring for patients, teaching medical students and young doctors, and performing research. I thus left private practice to go into academic medicine.

After a short period of time I won several teaching awards from the students. When the Associate Dean of Admissions position opened, a colleague encouraged me to apply for it. My initial response was, ‘No that isn’t a part of my plan,’ which was to impact healthcare and improve people’s lives as the best interventional cardiologist and medical educator I could be. After giving it some thought, I realized that overseeing the admissions process at one of the country’s largest medical schools would allow me to have an even greater impact on healthcare than direct patient care. So, I decided to apply for the position and the rest is history. Now I perform both roles – Interventional Cardiologist and Associate Dean of Admissions, allocating approximately half of my time to each role.

AD: Let’s go back to #BlackMenInMedicine? Where did the hashtag come from?

QC: There are many black male physicians on Twitter. One day in 2017 some of us were having an online discussion about the landmark 2015 Association of American Medical Colleges publication entitled Altering the Course: Black Males in Medicine, which details the current severe shortage of Black males entering the medical profession. According to this publication, there were fewer Black males applying to medical school in 2014 than in the late 1970s and the downward trend continues. This portends a severe lack of Black male physicians in the future.

We discussed strategies to combat this trend and collectively came up with the idea of an online campaign to flood social media with images of Black male physicians at work, at play, and simply living their lives. The primary goal is to be role models for and inspire young men (and anyone) to pursue medicine. Other goals include changing the narrative about Black males – i.e. that not all are ‘dangerous’, but that many are physicians saving lives and serving humanity. We also wanted to speak out about injustice in any form against any group. The name of the campaign is thus ‘#BlackMenInMedicine’.

AD: This is an optional question, but based upon today’s climate, have you gotten any pushback because it acknowledges just men and not women?

QC: Very little that has been openly stated, but we are sensitive to the fact that there are likely some who feel it’s divisive and not promoting unity. We think that it’s possible to promote Black men in medicine while supporting many other groups. Many of us also tweet using other hashtags that preceded #BlackMenInMedicine, such as #WomenInMedicine, #ILookLikeASurgeon (which promotes images of women in surgery), and others. We took this on because the low numbers of Black men in medicine, in academic medicine, in leadership roles, and amongst medical school applicants has reached a crisis. I should also point out that we, the original creators of this campaign, do not feel that use of the hashtag is proprietary. Anyone who wants to promote diversity in medicine, and particularly encourage Black men to pursue medicine, is welcome to use the hashtag. In fact, we encourage it.

AD: Are there particular programs at The Ohio State University for minority medical students?

QC: Yes. At the Ohio State University College of Medicine we believe that diversity drives excellence in healthcare, and we have several strategies to recruit and support diverse students and women. We’re proud to be leaders in educating women and underrepresented minority physicians. The last four entering classes have been predominantly women, and according to 2017-2018 AAMC statistics, OSU ranks sixth of nearly 150 medical schools for the number of enrolled black medical students. We also have a post baccalaureate program called ‘MEDPATH’ that is focused on increasing the number of underrepresented and/or disadvantaged students entering medical school.

AD: When I was an undergraduate at Johnson C. Smith University in the late-1990s, many of us pondered practicing medicine, but few of us understood what it took to get into medical school – something a particular professor reminded us of regularly. Aside from the necessary academic credentials, what are some of the personal qualities aspiring medical students need to be successful?

QC: Today, most medical schools judge applicants using the Association of American Medical College’s ‘holistic review’ framework, which recommends balancing the applicant’s: experiences, personal attributes, and academic metrics (MCAT and GPA) when making a decision about their candidacy. While the MCAT (Medical College Admissions Test) and GPA are self-explanatory, it’s important that aspiring physicians understand the importance that past experiences and personal attributes will play when your application is being reviewed. You will need to have a track record of compassionate community service, healthcare-related experience (shadowing or volunteering/working in a healthcare setting), leadership, and often research.

Regarding personal attributes, medical schools desire students who are: compassionate, collegial, curious, and who are self-directed learners. While the exact attributes and experiences may vary by school, medical school hopefuls need to ensure that their experience portfolio is full and that their recommenders can speak to the attributes mentioned. Often the difference between the applicant who gets accepted to medical school and the one who doesn’t is not their MCAT score or GPA, but more so a matter of which applicant had the better strategy. Gaining acceptance to medical school is very competitive and applicants should have a well-thought out strategy. Some examples of strategic questions that students should think through include:

• Will I take a “gap year”?
• If I plan to take the MCAT in spring of my junior year, when should I take Physics?
• Which leisure-time activity will demonstrate the attributes that medical schools seek?
• Should I apply before my MCAT scores return?
• If my undergraduate grades are low, should I plan on graduate school? If so, what discipline? MPH or Masters Degree in a biomedical science?

I consider it part of my mission to provide the answers to these questions to students as early in the pipeline as possible. We do this via our OSU College of Medicine website (https://medicine.osu.edu/admissions/md/tips-and-advice/pages/index.aspx), by speaking to students via webinars (https://www.youtube.com/watch?v=Q_7B3qUjuJs), and via social media.

AD: Describe the landscape today in terms of getting into medical school versus when you were aspiring to study medicine yourself.

QC: I applied to medical school in 1986. At that time, the weight of academic metrics was definitely more than 1/3 of a candidate’s application. Community service was almost ‘optional’ at that time. Academic achievement is still very important, and always will be when evaluating medical school applicants. However, it is very unlikely that a student will be accepted to medical school today without a record of compassionate community service and healthcare-related experience. Also, many medical school curricula employ both group-based learning and independent learning, so schools look for evidence of collegiality and self-directed learning to provide evidence that a student will be successful.

AD: Okay, Dr. Capers, that’s all I’ve got. Thank you again for this opportunity to interview you, and also for providing the pictures to go along with this interview. I understand that your time is very valuable. Perhaps we can do follow up interviews at some point. Do you have any other parting comments or thoughts?

QC: No. Thank you again for giving me this opportunity, Dr. Dunbar. I’d be delighted to do this again, or even to make it a recurring feature. Good luck to all of your readers!

Thank you for taking the time to read this interview. If you enjoyed it, check out my 2019 interview with Dr. Capers.  If you’ve found value here and think it would benefit others, please share it and or leave a comment. Please visit my  YouTube channel entitled, Big Discussions76. To receive all of the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right hand column in this post and throughout the site. Lastly follow me on the Big Words Blog Site Facebook page, on Twitter at @BWArePowerful, and on Instagram at @anwaryusef76. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

What are Your Plans for Your Tax Cut? Thoughts on what can be done with Heavier Paychecks and paying less Tax

Tax Season

Depending on your world view, this blog post may upset you, but it contains some ideas worth pondering. As they once told us at the Writer’s Center, if you’re not making someone uncomfortable, you’re not doing a good job of writing. This may also be my first blog post to incorporate all of the principles of my blog.

Our calendar year is marked by different seasons. Each year builds up to the excitement of the traditional ‘Holiday Season’ – Thanksgiving and Christmas. When the ball finally drops in Times Square, all of the excitement stops with the birth of new year. The holiday decorations and advertising goes away and ‘Tax’ season starts. It wasn’t until I became a working adult myself that I realized that Tax season was its own season, spanning through the Super Bowl, Black History Month, Valentine’s Day, March Madness; right up until Easter Sunday.

You start seeing advertisements on TV for franchises like ‘H&R Block’, and software like ‘Turbotax’. If you have one your tax preparer starts calling you for your annual appointment. You see people dressed up like the Statue of Liberty on street corners encouraging you to have your taxes done at franchises like Liberty Tax. If you’ve paid taxes, you start gathering your materials together to have your taxes done – your W-2 and other associated forms, your gift receipts, your mortgage interest deduction statement, etc.

Depending on your diligence, you either get them done early, or you procrastinate right up to the middle of April. It’s an exciting time, or a desperate one. Depending on how you’re living your life, the refund (if you get one) will propel you further ahead, or it will be gone as soon as you receive it.

The 2018 Tax Reform and Jobs Act

The 2018 tax season will be different than most in recent times in that many Americans will receive a tax cut, thanks to the recently passed ‘Tax Reform and Jobs Act’. Tremendous controversy surrounded the bill – specifically its beneficiaries. If you were 100% against the bill and are still convinced that it was written solely to help the wealthy, no discussion of the increased standard deductions or the adjusted tax brackets will sway how you feel. This is particularly true if you live in one of the high tax states like my native New York State, whose residents are losing the ability to write off some of their state taxes – taxes which are much higher than the other states.

I would highly encourage everyone to do their own research and not take what you hear on the major cable news networks as the gospel. For this post, I’ve done my own research and am citing projections from the Tax Policy Center of the Urban Institute and Brookings Institution which was last updated on December 22, 2017. The majority of the rancor and debate in the Main Stream Media (MSM) has centered around the wealthiest Americans being the biggest beneficiaries of the law. That discussion leads us down the road of ‘Identity Politics’, ‘Fairness’, and varying perceptions of what’s right and wrong. It brings up President Barrack Obama’s position that, “Some Americans can afford to pay more taxes,” versus the other point of view which is that it’s wrong to excessively take money from those who have created it, or inherited it for unsustainable government spending.

My focus is on the potential benefits for individuals living on ‘Main Street’ and what they can do with a little more money in their pockets. I would encourage everyone else to do the same – ask yourselves what you can do to make your life and the lives around you better, as opposed to focusing on what others are getting. It’s tricky because its gets us into discussions about doing for self, and personal responsibility – difficult discussions, but important ones nonetheless.

The new law seems to have already encouraged companies like Apple to reinvest in the United States, but what are the effects of the Tax Reform and Jobs Act personally for people living on Main Street? First, how it affects your life will in large part depend on how you’re living your life in the here and now. Are you living ‘paycheck to paycheck’ or ‘hand to mouth’ as some would say? Are you living outside of your means? Are you riding a high level of debt? Do you have any emergency money? These questions will determine if you’re able to take any extra money you get back and build with it, or if it will get gobbled up right away.

A Decreased Standard Deduction

According the Tax Policy Center’s report, one of the major changes in the bill is the increased Standard Deduction for single people and married couples – $6,500 to $13,000 for single people and $9,550 to $18,000 for married couples. For us on Main Street, this one change is going to either increase your refund, or decrease the amount of tax you owe – a win for most people. The tax brackets and associated percentages have also been adjusted. I was originally going to discuss the host of other changes and provisions, but I’ll just simply say that many of the other changes were made based upon the generous expansion of the Standard Deduction.

In addition to the changes in taxes at filing time which will be seen when filing in 2019 for the 2018 tax year, it appears there are going to be changes to Main Street’s paychecks in the near future. Kelly Phillips Erb of Forbes published an article on January 11, 2018 titled IRS Releases New 2018 Withholding Tables to Reflect Tax Law Changes. Based upon these changes which are to take effect in February, many Americans are going to get ‘raises’ due to changes in the amounts withheld. Many people are going to have extra money to spend.

This brings me back to the title of this blog post. What are your plans for your tax cut? As in my ‘Net Worth’ piece, this is a rhetorical question – one whose answers I wouldn’t recommend broadcasting. There are reasons for my asking this question. Do citizens on Main Street need some extra money at tax time and in their paychecks? The data in the next section suggest that they do.

Can You Afford a $400 Expense?

About a month or so ago when the tax cut debate reached its crescendo, someone on Twitter shared an article entitled The shocking number of Americans who can’t cover a $400 expense, written by Ylan Q. Mui of the Washington Post. The article was published on May 25, 2016, and was based on a 2015 Report by the Federal Reserve which I’ve linked to this piece.

The article cited Figure 12 from the Federal Reserve’s report. Of the three groups surveyed, the group making less than $40,000 said they’d have the hardest time covering a $400 expense – overall less than 50%. The group making $40,000 to $100,000 had the second hardest time covering a $400 expense – overall 62%. As expected, the group making greater than $100,000 fared the best – overall 81% could cover a $400 emergency expense. That said it surprised me that someone making above $100,000 would have a hard time covering a $400 expense. By the way, the groups were broken down by race. Interestingly, black/non-Hispanics were the least likely of this $100,000 or greater group to be able to cover a $400 expense – 63% and Hispanics were close by at 67%.

The argument could be made that individuals making less than $40,000 just don’t make enough money to live off of, but what about those making above $40,000? The same is true for individuals making $100,000 or greater. This data suggests that either the United States has become too expensive a place in which to live, or that some people are mismanaging their finances. In both cases, it seems quite a few people could use the extra money. One could suggest that it’s unwise to not carry enough for a $400 emergency, but that’s dangerous because it gets us into discussions about personal accountability/responsibility, and self-reliance.

Low Retirement Savings

Rodney Brooks also of the Washington Post wrote an article entitled 71 percent of Americans aren’t saving enough for retirement. In the article he cited data from a national survey by Experion in collaboration with Get Rich Slowly stating that 71% of people surveyed said they didn’t have enough money to retire. Why would Americans not have enough retirement money? Mr. Brooks further cited data from the Consumer Financial Protection Bureau stating that among other things, the percentage of homeowners 65 and older with mortgage debt increased from 22% in 2001 to 30% in 2011. Among homeowners 75 and older, the rate more than doubled to 21.2% from 8.4%.

Furthermore, 49% of the people polled had credit card debt, and 46% had less savings than they expected to have five years earlier. Katie Ryan O’Connor, an editor from Get Rich Slowly, was cited in Mr. Brooks’ article stating that 71% of the people in the survey said they were not invested in the stock market, and 41% said that they had no plans to invest due to lack of funds. The data cited in these two articles suggest that some Americans could benefit from having some more money in their pockets. If you’re wary of investing money, a wise alternative may be to simply shove it under your mattress for an unforeseen emergency. Over the holiday season, a relative shared that simply getting, “rear-ended on the expressway,” causing a $500-dollar emergency would put many Americans in financial distress, so this seems to be real. By the way, a really good course for learning about the importance of emergency funds and the dangers of debt is Dave Ramsey’s Financial Peace University.

HBCUs and Donations

I’ve discussed a lack of money for $400 emergencies and retirement savings, but what else can one do with an increased standard deduction and a heavier paycheck? One alternative is to put something into the collection plate of charities, causes and institutions of your own personal interest that also need money. That can be anything, but I’m going someplace in particular with this.

Early on in President Trump’s first year, some Historically Black College and University (HBCU) Presidents bravely visited the White House, upsetting many alumni, students, and African Americans in general. Why did they go? The answer is simple. Their institutions, many of which are close to folding, needed money. Higher Education is a business – one which relies on funding from the Federal Government via grants and loan programs, in addition to gifts from private industry, and donations from generous and loyal alumni.

Three out of the four years I wrote for the Examiner, I interviewed Allstate’s Cheryl Harris about her company’s ‘Quotes for Education’ program in collaboration with Tom Joyner. What consistently came out of those interviews were discussions about anemic rates of giving by HBCU alumni – something that continues today. For my alma mater, Johnson C. Smith University (JCSU), we’ve experienced the same thing. In 2014, as the treasurer for our DC Alumni Chapter, I unofficially got wind that my class of 1999 had an 11% alumni giving rate. That is only 11% of the alumni from my class gave anything to the university that calendar year. It’s a strange phenomenon in that in 2018, HBCUs – those still open, are still very necessary in terms offering higher educations for students who can’t get them anywhere else.

My HBCU on Academic Probation

Recently on December 6, 2017, Reginald Stuart of the online publication, Diverse Education, published an article entitled SACSCOC Places Johnson C. Smith University on Probation. The article discussed how the Southern Association of Colleges and Schools Commissions on Colleges (SACSCOC) placed my alma mater on a 12-month probation due to concerns about the long-term financial viability of the institution. The article stated that SACSCOC’s actions do not immediately impact the school’s accreditation, though a failure to correct the standards cited could lead to the university losing its accreditation and subsequently permanently shutting its doors. The article further stated that JCSU, in addition to Bennett College and St. Augustine’s University, are ‘tuition-dependent’, meaning that they enroll a high percentage of students who need federal financial aid to attend college.

Why would my alma mater and others like it have such low alumni giving rates? It’s a difficult discussion to have once again because it gets us back into personal responsibility. One explanation for the anemic HBCU alumni giving is indifference about the future crops of students. An alternative explanation is that perhaps many HBCU alumni simply don’t have enough money to give back to their alma maters. It thus again suggests that perhaps they could benefit from a tax cut like the one just passed. If you’re an HBCU alumni who will benefit from the Tax Reform and Jobs Act, regardless of how you feel about President Trump and the Republicans, a potential use for your new extra money in your paychecks could be a donation to your alma mater or an organization like the United Negro College Fund, which gives money to black students at both HBCUs and ‘Predominantly White Institutions’. But that’s up to you.

Closing Thoughts

Clearly, there are a lot of people who can use extra money. How it’s used will depend on the individual. Will it be spent frivolously on a new pair of shoes and other depreciating items? Or will it be used for something long lasting like a down payment towards a house, retirement savings or donation to a charity? If you want a great charity to donate to then the Dwoskin Family Foundation are a great option.

Consider the best way to use your gift from the Grand Old Party. Whose lives and community will it stabilize and enrich? Will it be your own? Or will it be someone else’s? Whose job is it to take care of you and your people? Is it yours or someone else’s? I touched upon this briefly towards the end of my blog post titled Challenging misconceptions and stereotypes in household income, wealth building, and privilege. And in closing, what are your plans for your tax cut? Again it’s a rhetorical question – one I wouldn’t necessarily broadcast. Instead, it’s something to think about.

Thank you for taking the time to read this blog post. In you enjoyed this post you might also enjoy:

Who will benefit from Apple’s $350 investment?
Challenging stereotypes and misconceptions in class, household income,  wealth, and privilege
We should’ve bought Facebook and Bitcoin stock: An investing story
Mother’s Day 2017: one of my mother’s greatest gifts, getting engaged, and avoiding my own personal fiscal cliff
Your gross salary, your net worth and what they mean
The difference between being cheap and frugal

The Big Words LLC Newsletter

For the next phase of my writing journey, I’m starting a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my first blog, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.

Perspectives of Federal Workers Caught in the Middle of the 2013 Government Shutdown Revisited

“All we can tell you is to watch the news. We don’t know when this will be over.”

The following piece was originally published on the Examiner back in October of 2013 during my very first government shutdown as a federal employee. It was followed by another piece which I also recently republished titled The myth of the stability of being a government employee revisited. Five years later after our most recent three-day government shutdown, and with another potential one on the way, I thought it would be appropriate to republish it.

The reality is that regardless of one’s position on something like the Deferred Action on Childhood Arrivals policy (DACA), there are many, many government employees who have bills to pay and can’t afford the uncertainty of having a prolonged break in their income. This piece captured some of the rumblings of those around me leading up to, and during the time we were sent home for two weeks. It turned out to be a paid vacation as we were reimbursed for those two weeks, and ‘Obamacare’ was eventually signed into law – at least for the time being.

* * *

By the time this article goes up, the 2013 government shutdown may be over, or it may still be in effect. No one knows except our elected officials. In the meantime, when writing up the piece about The myth of the stability of being a government employee, the idea recently came to me to capture some of the reactions and sentiments of friends and colleagues in the federal government before and during the shutdown. The following are samples of quotes and reactions to the shutdown from people in my circle.

“All we can tell you is to watch the news. We don’t know when this will be over,” our supervisors and managers told us leading up the shutdown and then on the day we when we went through our shutdown protocols. We all knew that the government shutdown might be coming months in advance so all of this wasn’t a big surprise, though leaving my workplace that last time not knowing when I would return was a sobering feeling.

“We got reimbursed back in 1995 after the Clinton-Gingrich shutdown, but it’s not guaranteed that we’ll get it this time. It’s actually not looking good,” a seasoned coworker said days before the shutdown with a look of fear on his face from potentially losing the pay. It was with good reason too as our bills would continue rolling in even as our paychecks froze.

Immediately after the shutdown went into effect, many federal employees took it hard. While many were worried about the financial pinch, many workers actually found fulfillment in their work, and were upset that they couldn’t work simply because of lack of agreement by our elected officials. Some even became skeptical about continuing to work for the federal government.

“This sucks,” a coworker text-messaged me the morning of Oct. 2, the day immediately after the start of the shutdown. In later messages over the course of the shutdown, his frustrations continued saying, “I’m going to keep my options open employment-wise. It’s just going to get more difficult in the government – more work, lower pay (furloughs), no promotions, on top of the usual politics.”

“When my federal job got shutdown, I knew that I was just go and spend time at my other jobs,” a friend who has his hand in a number of community service and other projects outside of work peacefully stated. While many federal workers were crushed about not being able to go to work, others saw it as opportunity to invest their time in other projects.

“We might get shutdown, but we’ll be back to work eventually. In the meantime, those who have savings will be okay, and those who don’t will scramble to find the money to buy a bag of potato chips. It’ll be okay.” Prior to the start of the government shutdown, some colleagues weren’t worried about it at all. An unconcerned seasoned coworker who was savvy about money and investing smiled and told talked with me about the shutdown in a very carefree way.

Some retired federal employees looked at the current situation with fond memories of previous shutdowns, and made observations about the spending habits of and mentalities of the younger generations of federal employees.

“We never worried about the government shutdowns. We just relaxed and enjoyed the time off,” a retired federal employee laughingly said at an alumni association executive board meeting I’m involved with. “We were a different generation though. We had money saved up and could thus survive. People in the younger generations don’t live like we did and are in real trouble right now. They’re going paycheck to paycheck.”

“I’m filing for unemployment,” a disgusted coworker said walking from the printer the day of the shutdown, when we had to go into the office and officially close down our work stations. He continued, “The director just sent this certificate to all of us. I recommend you print it off and do the same thing.”

About a week later, my unemployment papers were put in the mail as well. Other federal employees congregated around the city to take advantage of the free specials offered by local restaurants.   We all watched the news everyday wondering when our elected officials would make some sort of agreement and reopen the federal government.

Thank you for taking the time to read this blog post. In you enjoyed this post you might also enjoy:

The Big Words LLC Newsletter

For the next phase of my writing journey, I’m starting a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my first blog, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.