School Anxiety In Children Causes Freaky Failure In Adults

Freaky Failure
Being in the wrong place at the wrong time to just by chance
suffer a loss because of someone else’s failure

Test anxiety faces every child who takes the minimum 17 exams from 3rd through 12th grade because of No Child Left Behind. Some students are faced with extra anxiety because of stereotypes. Girls face stereotypes that they cannot do well on math and science. Blacks and Latinos face stereotypes that they could not do well in college.

If parents and teachers fail to help children cope with their anxiety, students do not do as well on exams as they could. If children never get help with their anxiety, their performance will continue at less than their potential. When they somehow enter your life as adults (employees at a business you frequent, employees at a service provider you use, your colleague on the job), whatever they bring into your life will be less than what their potential was. You are then in the right place at the right time to just by chance suffer the loss of their best because parents and teachers failed to ease test nxiety in children.

Being in the wrong  place at the wrong time to just by chance
suffer a loss from adults who experienced
unrelieved test anxiety as school children.

“A Depressing Reason Sixth-Grade Girls Score Lower in Math Than Boys”
Melissa Dahl
New York Magazine
September 2, 2015

“Lower Expectations And Stereotypes, Biggest Challenges For Latino Students”
John Benson
Huffington Post
January 14, 2013

“Thin Ice: “Stereotype Threat” and Black College Students”
Claude M. Steele
The Atlantic
August 1999

“The Relation of Early Adolescent Anxieties To Young Adults Occupational Self-concepts”
Mina N. Vida & Jacquelynne S. Eccles
University of Michigan

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

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Reputation Management Directory

myrecordnow.com

The Serendipitous Benefit of Laurene Powell’s Sunflower Success

Serendipitous Success
Being in the right place at the right time to just by chance
benefit from someone else’s success

Laurene Powell planted a garden, including a bed of of sunflowers.

Laurene’s husband was Steve Jobs. Steve and industrial designer Jony Ives walked through Laurene’s garden where they admired the sunflowers and how the flowers seemed to float above the plants.

Inspired, Jobs and Ive designed the sunflower iMac with the floating screen above a rounded base. Laurene Powell’s successful sunflower bed created serendipitous success for Steve Jobs, Jony Ive, and every Apple customer who enjoyed using a sunflower iMac.

Being an iMac buyer at the right time to just by chance
benefit from Laureen Powell’s sunflower bed success

“Steve Jobs Didn’t Invent Design, But He Patented It”
NPR Staff
National Public Radio
May 13, 2012

I used a sunflower iMac for more than 10 years. I still have it.)

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Setting Poor Children Up For Fundamental Failure

Fundamental Failure
Having your physical, mental, and emotional needs
in a particular situation neglected or denied,
setting you up to fail despite your own effort

The United States, a economically rich country, is doing less to provide its poorest children with the basics for survival. Federal and state governments limit or cut funding for health care and food, neglecting the physical needs of its poorest children.

Because their physical needs are neglected, these children live with health problems which in turn create education problems. They are more likely to endure poor health as adults, including cardio-vascular disease.

Because neglect of their physical needs prevents children from reaching their mental potential, these children do poorly in school and have low skills.

The parents of poor families work at such low wages that they have to work long hours. Those long hours mean parents can spend very little time with their children. They have little time or energy to satisfy children’s emotional needs. Because their emotional needs are neglected, these children have lower aspirations and earn less money as adults.

These children grow into adults with weak physical health, weak mental skills, and weak emotional resources. Neglect has set them up to fail despite their own efforts. Their failure means they are more likely to create freaky failure for other people rather than serendipitous success.

Neglecting the physical, mental, and emotional needs
of poor children
sets them up to fail despite their own efforts.

“The Children Left Behind: A league table of inequality in child well-being in the world’s rich countries”
UNICEF
Innocenti Report Card 9

“Enduring influence of childhood poverty”
Katherine Magnuson and Elizabeth Votruba-Drzal
Focus
Volume 26, Number 2, Fall 2009

“How Youth Are Put At Risk by Parents’ Low-Wage Jobs”
Center for Social Policy
Lisa Dodson, Randy Albelda, Diana Salas Coronado, and Marya Mtshall

“Poor Oral Health Can Mean Missed School, Lower Grades”
ADA (American Dental Association)
2020

“Poverty Threatens no Only Children’s Health, but also Their Education”
Shelley Callahan
Children Incorporated
April 23, 2018

“Rich countries letting poorest children fall, says new report”
UNICEF
“Report Card 9 – The Children Left Behind”
December 3, 2010

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Satisfying Needs Leads to Straightforward Success Instead Of Juvenile Delinquency

Straightforward Success
Having your physical, mental, and emotional needs
in a particular situation satisfied,
setting you up to succeed through your own efforts

In 2005, the University of Wisconsin–Madison Schools of Human Ecology and Social Work and the University of Wisconsin–Extension, Cooperative Extension submitted a report to Wisconsin Governor’s Juvenile Justice Commission and the Wisconsin Office of Justice Assistance about the most cost-effective programs for preventing juvenile delinquency. These programs satisfied the social, emotional, and educational needs of children, parents, and families. Children who went through these programs with their parents and families were likely to become effective adults in society.

The most cost effective prevention programs included:

preschool education

home visitation programs

parent education

social and emotional learning programs for school-aged children

The programs satisfied needs effectively because:

quality and intensity of services were high

staff members were well trained

program visions were well articulated with strong conceptual bases

The community accountability programs and therapeutic interventions were most effective when they lasted long periods of time, but they still cost far less than incarcerating juveniles. Satisfying the needs of children, parents, and families allowed the children to create straightforward success for themselves.

Satisfying the physical, mental, and emotional needs
of preschool and school-aged children
sets them up to succeed through their own efforts.

“What Works, Wisconsin: What Science Tells Us about Cost-Effective Programs for Juvenile Delinquency Prevention”
Stephen A. Small, Arthur J. Reynolds, Cailin O’Connor, and Siobhan M. Cooney
University of Wisconsin-Madison Schools of Human Ecology and
Social Work
University of Wisconsin-Extension, Cooperative Extension
June 2005

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Being Perfect For The Job Couldn’t Overcome A Perfect Opportunity For Revenge

Full-Blown Failure
The unforeseen failure other people intentionally create for you
because you intentionally create failure for them

Twenty year old Shawn spent a summer working for his uncle. The uncle operated the managing branch of a successful oil rig firm. Shawn’s job was to enter prospective resumes into a database. His uncle had asked him to put aside promising resumes.

One resume revealed an applicant who was “perfect for the job” with “great credentials”, “impressive references”, and a “stellar academic record”. The applicant, however, was a “pompous jerk” who had “terrorized” Shawn “all the time” through high school.

Pompous Jerk had foolishly failed to see an opportunity for serendipitous success in knowing Shawn. By creating failure for Shawn, the pompous jerk invited Shawn to create failure for him. Shawn accepted the invitation. He ripped up the application and threw it in the garbage.

No interview was the unforeseen failure Shawn created for Pompous Jerk
because Pompous Jerk intentionally created failure for Shawn.

Foolish Failure
Failing to see opportunities for serendipitous success
in people who are different from you because you
believe your success depends on their failure

Serendipitous Success
Being in the right place at the right time
to just by chance benefit from someone else’s success

Examples of full-blown failure reveal that many of them are created behind an individual’s back. The pompous jerk probably never knew how Shawn took revenge on his life.

Cosmopolitan Magazine
“Guy Confessions”
August 2004, page 38

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time betwen posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Standout Success For “The Best Damn Ship In The Navy”

Standout Success
Other people responding positively to you
because you created a success they value

This is post #5 of 5 USS Benfold posts to help you understand
how one type of success sparks other types of success.

Benfold‘s crew practiced marksmanship with Tomahawk missiles “all the way across the western Pacific” on its way to the Persian Gulf. Benfold performed this task better than all other ships in the Gulf. Captain D. Michael Abrashoff’s boss gave Benfold enough cruise missiles to make it the “biggest arsenal in the fleet”.

General Anthony Zinni, the four-star Marine in command of the entire Middle East force, gave a speech at the Navy’s birthday ball about how the commanding officers on the Benfold gave sailors the freedom to assume major responsibilities. The party was Benfold‘s “day to shine.” Benfold began earning its reputation as the “go-to ship in the Persian Gulf”.

General Anthony Zinni responded positively to  Benfold’s officers
because those officers created a success he valued.

It’s Your Ship: Management Techniques from the Best Damn Ship in the Navy
Captain D. Michael Abrashoff
Time Warner Books Group, New York: 2002
Quotes on 96, 138

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Spectacular Success For “The Best Damn Ship In The Navy”

Spectacular success
The unforeseen success other people intentionally create for you
because you intentionally create success for them

This is post #4 of 5 USS Benfold posts to help you understand
how one type of success sparks other types of success.

Under the command of a junior officer, USS Benfold created a number of successes for companion ships in the Persian Gulf during the 1997 crisis with Iraq. Because Captain D. Michael Abrashoff and Benfold’s crew intentionally created success for other officers and ships’ crews, Benfold became the “go-to ship in the Persian Gulf” during the 1997 crisis with Iraq.

Benfold also became the model for the Navy’s assessment process. Any ship that could achieve “the same performance levels” as Benfold could skip the six month training process. According to a reviewer of Captain Abrashoff’s book at Amazon, the Navy was looking for a way to do that, but Benfold is still the ship that achieved it.

After retiring from the Navy, Michael Abrashoff wrote three books about his Benfold experiences and his crew and became a highly regarded and popular speaker. His first book, It’s Your Ship: Management Techniques form the Best Damn Ship in the Navy, was so popular that Abrashoff wrote a tenth anniversary edition with updated content and a new chapter.

Michael Abrashoff and his Benfold crew intentionally created
unforeseen success for other ships, officers and crews,
who then intentionally created
unforeseen success for Michael Abrashoff and his Benfold crew.

Full Bias Disclosure

I bought both copies of this book. I study and write about examples of spectacular success around the world, and the USS Benfold is far and away my favorite spectacular success.

The 5th USS Benfold post will give examples of how other people spotlighted Benfold’s success.

It’s Your Ship: Management Techniques from the Best Damn Ship in the Navy
Captain D. Michael Abrashoff
Time Warner Books Group, New York: 2002 and 2012
Quotes on 138, 149

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Smart Success On “The Best Damn Ship In The Navy”

Smart Success
Seeing opportunities for serendipitous success in people
who are different from you because you understand
that your success is connected to their success

This is post #3 of 5 USS Benfold posts to help you understand
how one type of success sparks other types of success.

Captain D. Michael Abrashoff was smart to see the possibilities for success in every member of his 310 person crew. He recognized his young crew as “smart, talented, and full of good ideas”.

To free those smarts, talents, and good ideas, Captain Abrashoff interviewed all 310 crew members.  He asked everyone:

“Is there a better way to do what you do?”

“What do you like most about the Benfold?”

“What do you like least about the Benfold?”

“What would you change?”

Through these interviews, Captain Abrashoff developed personal relationships with each crew member to link his goals with their goals. For Captain Abrashoff, “the VIPS were my crew.”

Captain Abrashoff also practiced smart success about his own words and actions. When results were not what Captain Abrashoff wanted, he was smart enough to ask himself:

“Did I clearly articulate the goals?”

“Did I give people enough time and resources to accomplish the task?”

“Did I give them enough training?”

He discovered that “90 percent of the time” he had done something that prevented the crew from using their smarts, talents, and good ideas.

The few times his crew members made serious mistakes, Captain Abrashoff was smart enough to still see possibilities for success. After three sailors had been in a fight off the ship, Captain Abrashoff set up mentoring for them to help them succeed. When a chance opportunity arose, Captain Abrashoff showed personal support for two of the sailors by playing cards with them in the mess deck. All three changed their behaviors and turned their Navy careers into successes. (Mentioned in post #2 of this series.)

Captain Abrashoff created smart success where most people would not have seen the possibility for success.

Most of his crew came from single parent homes.

Fifty percent of the crew enlisted because they could not afford college and because they were discouraged from going to college.

Thirty percent of the crew had enlisted to escape bad situations at home — drugs, gangs, and violence.

Because Captain Abrashoff was smart enough to see the possibilities for success in people this society usually ignores, they were free to create unexpected success. When it came time for a “mini-Olympics of Navy training”, the Benfold sailors redesigned the training, making it “more effective than the Navy had ever dreamed.” They “aced” the final challenge with the “highest score ever.” The challenge was expected to last six months, but Benfold completed it in the first six weeks.

Captain Abrashoff saw opportunities for serendipitous success
in his crew because he understand
that his success was connected to their success.

The 4th USS Benfold post will give examples of unforeseen success for Captain Abrashoff and his crew.

It’s Your Ship: Management Techniques from the Best Damn Ship in the Navy
Captain D. Michael Abrashoff
Time Warner Books Group, New York: 2002
Quotes on pages 15, 33, 45, 86, 102

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Serendipitous Success On “The Best Damn Ship In The Navy”

Serendipitous Success
Being in the right place at the right time to just by chance
benefit from someone else’s success

This is post #2 of 5 USS Benfold posts to help you understand
how one type of success sparks other types of success.

Captain D. Michael Abrashoff was commander of the Navy guided missile destroyer USS Benfold for two years. During those two years Benfold set records in combat readiness and effectiveness and invented processes adopted by the entire Navy. Captain Abrashoff’s recipe for serendipitous success included three ingredients:

310 parts respect

310 parts freedom

310 parts support

Respect

Respect the talents of all 310 members of the Benfold crew.

Adjust the respect to the individual when necessary.

Captain Abrashoff showed general respect for his crew daily by:

Going to the end of the food line behind even the lowest sailors.

Seating the Master Chief to his immediate left during meetings.

Listening to ideas from any crew member because “talent knows no rank”.

Freedom

Sprinkle freedom in every section of the ship.

When appropriate, sprinkle freedom at Navy bases and related locations.

Captain Abrashoff gave the crew a variety of freedoms:

Taking responsibility for making decisions and using their own ideas.

Assigning the tasks of senior grade officers to junior grade officers.

Questioning any rule and critiquing any other member of the crew. This included the freedom to tell Captain Abrashoff he hadn’t done his job very well on a particular day.

Acting a little crazy.

Having a life on the Navy’s time.

Captain Abrashoff did put limits on the freedoms he gave the crew. Any decisions with the potential of killing or injuring people, wasting taxes, or damaging the ship were Captain Abrashoff’s responsibility. Every other decision was the responsibility of the crew.

Support

Add support as necessary.

Captain Abrashoff supported his crew in a variety of ways:

Bringing good ideas to the attention of senior Navy officials no matter what the rank.

Protecting crew from abusive senior officers.

Assigning a 20 year old Fireman who had completed the Enlisted Surface Warfare Specialist training to give a tour of the entire ship to a four star general.

Following up when any sailor asked him to compliment another sailor’s job well done.

Playing cards with two sailors who had created trouble but who had responded well to mentoring.

Walking through the galley frequently to express appreciation for the cooks’ hard work.

Captain Abrashoff added support as he saw the need for support.

The Serendipitous Success Captain Abrashoff’s Recipe
Created for Others

While at its base in San Diego, Benfold with its culinary school graduates became “a lunchtime mecca” for sailors from other ships on base.

During the 1997 Persian Gulf Crisis, Captain Abrashoff’s respectfully listened to Radioman First Class John Rafalko’s idea about ending a communications crisis. A communications backlog meant that “at any given time, as many as 7,000 operational messages might go astray of just stop moving”. Radioman Rafalko was the only person who had read all the technical manuals for a new satellite system for voice communication and rapid data transmission. He figured out how to end the backlog and explained it to Captain Abrashoff.

Captain Abrashoff supported Rafalko by contacting a two star admiral’s chief of staff. When the chief of staff paid no attention, Captain Abrashoff went over the chief of staff straight to the admiral. The admiral paid attention and Rafalko trained personnel on every ship in the gulf. The system “worked perfectly” and the backlog problem disappeared “virtually overnight”.

Captain Abrashoff happened to be on the bridge one day during the 1997 Persian Gulf crisis when all of the other officers on the bridge ignored a suggestion from Fire Controlman Derrick Thomas. The United Nations had ordered inspections of all ships entering or leaving Iraq. The U.N. wanted to prevent embargoed oil from getting out and prohibited materials from getting in. The U.N. required paperwork was “excruciatingly time-consuming and tedious” with more than 100 questions. Communication between ships during inspections had to cope with some cases of “very poor English”.

Petty Officer Thomas suggested a database to speed things up. Captain Abrashoff was the only officer on the bridge who even acknowledged that that Petty Officer Thomas had said anything. Captain Abrashoff asked Thomas to explain. Fifty or sixty of the questions were the same with every inspection, and the answers were always the same. By creating a database, inspection time could be cut in half. Captain Abrashoff told Thomas to create the database for the more than 150 ships that needed inspecting. Commodore Duffy, in charge of the inspections in the Gulf, was impressed. He passed a copy of the database to every ship doing inspections in the Gulf. That database is still in use. The inspections had been tediously going on for six years until Captain Abrashoff respected Petty Officer Thomas by listening to him.

When the Pentagon “imposed strict new requirements for arming and firing” Tomahawk missiles, Benfold sailors read through training manuals (which they did together) to learn how the equipment worked. They knew they had the freedom to take responsibility, so they thought up knew ways to meet the requirements and sent a memo to other ships in the Gulf. The entire Navy adopted the methods devised by Benfold‘s sailors as standard operating procedure.

When one sailor suggested using stainless steel bolts and nuts to replace the ones that left rust streaks, Captain Abrashoff listened. He supported the sailor’s idea by shopping at Home Depot. He then had a civilian company treat all metal susceptible to corrosion to make them last longer (the Navy had begun doing this on a very small scale). The schedule for painting the ship went from every two months to every five years. This process saved taxpayer money and gave the crew more time to become combat ready.

When a teenage sailor told Captain Abrashoff that he would rather help children in foster care have better experiences than he had in foster care, Captain Abrashoff listened. He told the sailor to find an elementary school in San Diego that the crew could adopt. A group of sailors went to the school every time Benfold was in San Diego. First, they painted the school. After school hours, the sailors mentored, coached, and tutored the students. In foreign countries, 40 to 50 sailors would “go off and find an orphanage or hospital that could use a few helping hands.”

A senior officer task on Naval ships is officer of the deck. Captain Abrashoff gave officer of the deck responsibilities to his junior officers. The officer of the deck is in charge of the quarterdeck when the ship is in port. Responsibilities include security, logging in visitors, keeping track of anything leaving or entering the ship, and creating a good impression of the ship. Captain Abrashoff made sure the junior officers were scheduled during the day instead of just at night. Benfold‘s junior officers handled officer of the deck responsibilities so well that other ships began giving officer of the deck responsibilities to junior officers. This freed senior officers to handle other responsibilities on ship.

Crews on other ships,
the entire U.S. Navy,
all U.S. civilians,
schools, orphanages, and hospitals in the U.S. and in other counties
benefited because they were in the right place at the right time
to just by chance benefit from
the Benfold crew’s multiple successes.

The 3rd USS Benfold post will explain how Captain Abrashoff practiced smart success.

It’s Your Ship: Management Techniques from the Best Damn Ship in the Navy
Captain D. Michael Abrashoff
Time Warner Books Group, New York: 2002
Quotes on pages 15, 16, 56, 57, 58, 96, 98, 128, 157, and 158

~~~~~

Paula M. Kramer
© 2015 to the present
All rights reserved.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Keep reading this blog for examples of 8 success choices and 8 failure choices. Use the examples to spark success and fight failure.

Standards For Success Posters

Success & Failure Choices

Resource Websites

smilessparksuccess.com

speakingfromtriumph.com

Business Directory

betterplanetbusiness.com 

Reputation Management Directory

myrecordnow.com

Community Banker Risks Freaky Failure Death For Community Residents, Including Children

Freaky Failure
Being in the wrong place at the wrong time to just by chance
suffer a loss because of someone else’s failure

I live next to the village park in a rural village. My house is on a county road, so lots of traffic passes my house. I also live a block from the downtown area of the village, including the post office. Lots of different people drive or walk or bike past my house daily.

On my front lawn near the road, I had a maple tree with three split trunks. One trunk leaned toward my house. One trunk leaned toward the park, though my driveway was between the tree and the park. One trunk leaned over the road. The tree trunks hollowed out because insects had eaten away the inside of the tree. Any trunk falling on its own could kill someone and damage property. All trunks falling together in a severe storm would be devastating.

I had banked at a community bank for more than a decade. The banker  (Community Banker) had gone out of his way more than once to help me keep my house. One year my insurance company sent me a letter informing me that I had to replace my roof or lose my insurance. Before I could call him to ask for a home equity loan, Community Banker called me to offer me a home equity loan. He gave me personal loans, car loans, business loans, and home equity loans. Even though a childhood spinal injury made earning money difficult, I paid back every single loan, some of them late, some of them early.

I didn’t have the money to cut the tree down myself, so I asked Community banker for a third home equity loan to cut down the tree, do some house repairs, and get the back into a professional speaking career. I wanted to protect my house, but I also wanted to protect all the people who drove, biked, and walked past my house. After decades of giving me multiple loans, Community Banker said no. He claimed I had no proof of enough income to pay back the loan. The real reason is that he didn’t want my grandson to be friends with his step-grandson. Read my journal entries for proof of everything I’ve written so far.

Community_Banker_Journal

Other bank customers live within a block or two of my house on that county road. One of those families has children. Community Banker risked freaky failure death for his own customers and their children rather than give me a home equity loan to cut the tree down.

If a falling trunk had killed a bank customer’s child, what would Community Banker have done? Would he have attended the funeral to comfort the grieving parents? Would he have explained  that the tree trunk fell because he refused to give me the home equity loan I wanted to prevent freaky failure death?

I eventually got the tree cut down by sending a letter explaining the situation to 10 of my neighbors. Several of them provided various resources to get the tree cut down.

Community Banker’s excuse for refusing the third home equity loan was that I was too old to be successful.

“The Portage County Housing Authority offers rental
apartments with rent based on income with utilities
included. I recommend Ms. Kramer explore this
affordable option.”

In reality, women over 60 can do quite well as professional speakers. Compared to some of the women on this list, I’m still young.

Community Banker had to ignore all kinds of details in my life to come to the conclusion that I could afford only senior county housing. (He also has no idea how senior county housing works. I am both too young and too healthy to qualify any time soon.)

Community Banker also ignored the possibilities of my planned business directory, Better Planet Business. Since other people saw the possibilities, my directory is now live and attracting members.  Community Banker is now an example of someone who stereotypes senior citizens negatively.

Other community residents are complaining about this bank. When several customers complain about the same community bank, the problem is not with any individual customer. The problem is with the community bank. How many other customers has Community Banker stereotyped? How many other community residents are at risk of freaky failure because of Community Banker’s stereotypes?

Adults and children passing my house would have been in
the wrong place at the wrong time to just by chance
suffer a loss because Community Banker failed
to protect their lives.

“Famous Female Motivational Speakers”
Ranker

Paula M. Kramer
Copyright 2019 to the present
All rights reserved.

Keep reading this blog to learn how to fight failure and spark success. Posts provide examples for 8 success choices & 8 failure choices.

Posts on this blog alternate with posts at the link below. Posts for both blogs are published on Wednesdays as they are ready to be published. Time between posts could be weeks or months.

blog.speakingfromtriumph.com

Standards For Success Posters

Success & Failure Choices

Resource Websites

speakingfromtriumph.com

smilessparksuccess.com

Business Directory

betterplanetbusiness.com

Reputation Management Directory

myrecordnow.com

A web host transfer made some posts disappear. Luckily, I copied each post and emailed it to myself. Since I alternated success and failure posts, I will have to remove posts and republish them in success and failure order. I will do this as I have time. Apologies.