Not with family or friends, in an airplane, shopped at a 7-11: sounds like a candidate for serious therapy!

However, keep in mind: I flex for facts and … the wrong train can take you to the right destination.

Notes from 2018:

*WKBJ Foundation is now out of money, as planned in its by-laws of 1989. For anybody, particularly the 45 students currently being helped, who is wondering about the financial details, be assured that funds have been set aside for the completion of college by these young people. What the opening sentence means is that new students are not being accepted. Fittingly, our final trustees meeting was held at a diner (truth be told: it was because the fancy French restaurant had lost my reservation).

Meanwhile, we have our first PhD (Applied Mathematics) and a second on the way (Intellectual Property) and our first USAF Captain. Quite cool for sure.

Overall, WKBJ has doled out some $20 million and changed an innumerable number of lives.

My new program idea, to be a personal venture, is something called the 5×12 program. The name emanates from its central idea of using a less stress approach to graduating from college, namely five years of 12-credit semesters. The goal is to raise the college completion rate of Hispanic students.

*Uncommon Schools continues its phenomenal success. Would you believe it is educating 20,000 students, up from 72 two decades back! Quality at scale, with the total story not yet having been told. The diverse group of men and women leading the 53 schools involved are truly exemplary individuals. I remain on the boards of North Star Academy and Camden Prep.

*The Charles Hayden Foundation, where I am a trustee, is undergoing a strategic planning exercise, complete with highly paid outside consultants. I sense regression to the mean as an outcome, but the drill is still worthwhile and, unrelatedly, I have not wavered from my belief that all foundations should have limited lives.

*The young couple sit down for breakfast at the restaurant of their choice, perhaps around the block from their high-rise condo. Immediately, they pull out their phones and are separately, quietly engrossed. Now I am not that knowledgeable about the actions of cocaine users— but I think their addiction is more physical and noisier.  Which compulsiveness is worse: the phone (a mostly unrecognized addiction) or the drug (a well-chronicled problem). 

Sorry, I have to interrupt my preaching to find out if the Kardashians have tweeted about the birth of still another child with an uncommitted father.

*Flipping the switch back to positive — on the family front, Wendy continues helping the Communications Director of Davidson do her thing and husband Ed is consulting with Oncor, in Dallas. Daughter Nora is a freshman at Tufts University.

Kari and Dan are about to move into their new house, which connects them more with their school teaching careers and gets daughter McKenna and son Callan into the center of town and activities.

All of the above are quite talented, bright, energetic, verbal, and pervasively nice people, which is amazing given…. well, you know.

*What would a missive from me be without a little political philosophizing!

Does anybody have a handle on what is to become the new version of the American narrative? Certainly the one most of my generation bought into those many decades ago is closer to being scrapped than being reinforced. Perhaps Trump has simply pulled back the curtains to reveal our dysfunctional and venal selves. As he pulls out of Syria, he leaves our allies in a completely befuddled position. As he rails against the Federal Reserve, he displays abysmal ignorance about how our economy functions. As he lauds the authoritarian leadership of Russia and China, he reveals his wet dream of complete power.

Turnover at the top of the administration is 65%. Only the good get fired? Nah, some of them were true scumbags. Meanwhile, is there anybody on the other side of the aisle who has covered the  emotional ground that the incompetent campaign managers of Trump’s opponent missed.

The college campuses are full of idealistic young people (their own definition) fighting for the right of everybody to agree with them.  Polarization anyone!

What do immigration, abortion, and charter schools have in common? You can win (by impartial standards) every debating point, but nobody changes their minds.

Planned Parenthood is accused of mistreating pregnant employees. A school for blind musicians is being ousted by the Charity for the Blind. The negotiator of the Amazon deal for New York City quits. Priests who have settled sexual assault charges are continuing to preach. HELP!

Get off the main highway, the interstate which has helped homogenize our country, and check out the two biggest buildings in a no-name community. They are the college and the hospital. In common, their costs are inscrutable and absurdly high, with no particular pushback of consequence. For several decades they probably have caused more stress and more hindrance of job and overall mobility than any other set of economic components.

There has been no public decomposition of college costs; all of the emphasis has been on somehow getting more money to students so they can afford the exorbitant prices. Periodically some august journal does dissect health care costs, at which time the analysis devolves into political wrangling, while the negative impact on most people continues to be highly painful.

*Among other strategies to stay sane, I read less and less about so-called education reform; much of the verbiage is the same as that of twenty years ago. I am assisted in my attempt to maintain mental balance by knowing that gambling and marijuana are en route to being completely legalized, and Fortnite (which reportedly has 200 million players worldwide) is adding to the ability of young males to master the nuances of a proper kill shot. 

I am reminded by this trio of thoughts that I did not feel like writing this letter, preferring to stay in bed with the covers pulled up over my head. But the exercise was cheaper than seeing a shrink.

Perhaps surprising to many, I have not watched television news for over 35 years. Instead, I read the New York Times, the Economist, and EuroNews on my iPad. I buy the Wall Street Journal daily, listen to several radio stations throughout the day and sports-surf on television at night. Have I missed anything? P.S. I am continually reading a book, most of which are non-fiction and typically challenge that American narrative I obliquely referenced earlier.

*Basketball remains a delight; I mean, what can be sweeter than hitting the winning basket (happens occasionally) in a highly competitive 4-on-4 battle!

*Traveling to Paris and London with Damaris, Faith, and Paola (a mutual friend) at the end of March was great, occasional uncertainties about lead-follow-or get out of the way notwithstanding.

Faith is running (including multiple 5k events), drawing comic strips, and is living proof that kids say the darnedest things. I wish there was a tape of her five-minute riff on black-while relationships. The three of us were crying we were laughing so hard. Mother Damaris is doing Case Management at CASA (Court Appointed Special Advocates for foster care kids), a stressful position to say the least.

*What is family?

A: Accidental, blood, cultural differences in the heart rate when the word mother or father or sister or brother is voiced. Think of it though. A couple of people you never met until they combined for a unique event replicated the latter and, without any involvement by you, produced some other creatures with a combination of physical similarities and mindset dissimilarities sufficient to cause one to wonder whether these newbies actually came from the aforementioned couple of people. Oh yes, you love them anyway; it is stipulated, and properly so, on each birth certificate.

A(2): You grow up, at least in terms of years, and try for a sustainable romantic relationship. It works for a very long time, brings two wonderful individuals into the world, who in turn bring three more – all without anybody stopping to figure out the meaning of life.

B: A relatively short connection ends, in a friendly fashion that brings with it a collateral benefit: a strong relationship with a ten-year old who nearly every time she sees me says, “I love you.”

B: A foundation funding relationship with two young people brings with it a strong connection to their parents, meaning great conversation, exchange of gifts, delicious food and wine.

B: A former work colleague marries a young man known to me and they and their son are like family. Whoa, I have completely understated the depth of this connection, probably because it merits a long essay all by itself, beginning with tears at an unrelated funeral.

B: An ad hoc/accidental situation, wherein the connection to parents in their education and subsequent career pursuits gets augmented by interaction with their two young children.

B: Once, on paper and for a while in the real world, it looked like an ideal match, but it was not to be. Nonetheless, the connection to her offspring has survived, even blossomed.

B: Hard to describe a complicated situation, but the foursome represents all that is admirable about what we have traditionally regarded as American values.

B: What a long time, what a great platonic relationship, born of the office and continuing through the education of offspring.

Each entry above involves love in a family context; excluded are the many individual situations with analogous deeply felt emotion: you know who you are. My life’s focus, assisting young people to pursue their aspirations, brings me into the lives of a great number (including two exemplary individuals on my recent trip, with whom I had outstanding, meaningful, multi-hour conversations) … and it is fun, even recognizing the dysfunctional environments of too many students!

*Did I mention one of the innumerable benefits of curiosity: you ask the focused person next to you at a Barnes & Noble study table about what she is working on so diligently and you meet and get to know a woman who Dares to Dream. Check out the website!

*Almost forgot to explain the opening tease: a quirky set of calendar-related considerations had me involved in multiple Xmas celebrations before the magic day. On the latter I was on my way to Miami, to become secluded in a writer’s apartment (okay, a hotel room, but it had certain amenities needed for serious creativity, you know a coffee-maker and a nice flat table). The 7-11 nearby was the source of  energy bars, the final complement to productivity or whichever term is appropriate for these 1785 words.

My bucket list travel idea —  waiting until the last minute to decide among Serbia (mind), Morocco (soul), or Panama (body) as a destination– has been deferred, the result of a much better-informed analysis of time, energy, and money.

In any case, since the primary objective of said trip was to be writing, Miami was …. Perfect!

PEACE and LOVE, BOB                                                   

Below is background information, as framed in a 2018 letter to my sister and two brothers..

Dear Siblings:

Having taken a page out of the book of Ruth Ann (and a few million others), namely that the contents of a box must be allowed to age properly, over several years preferably, before the contents may be lifted from their repose and brought into the sometimes harsh glare of artificial light, I had left unexamined a box lifted post-mortem from Dad’s storage facility.

All I knew is that there were papers inside, unfortunately not including the category of stock certificates, and they pertained to his father.

The materials turned out to be quite interesting, in a surprising way, namely the question of how one Harry Melcaef Howitt spelled his middle name. Since I have yet to pay off on the $50 I have put up for anybody who spells my middle name correctly, it being Melcaef, this is an issue near and dear to my heart, at least on those days when my jump shot is off.

Maybe karma was in play; I just recently passed a landmark birthday and a meeting scheduled for this morning had been postponed, meaning that the excuse of no time to examine the contents of the box was no longer operable. Now, if middle name spelling is the topic, I had to be all in!

Here is a list of those pieces of paper on which the name was spelled as simply Harry M. Howitt:

Will, tax return, deed, social security letter, grand lodge communication, check, invoice, business card.

In addition, grandma Allene’s will listed her husband as Harry M. Howitt.

One 1917 draft notice had the middle name as Metcalf; another had it as Melcaef. Government administrative consistency apparently was as elusive a century ago as it is today.

The Bureau of Vital Statistics indicated that the birth certificate read Harry Melcalf Howitt; damn, have I been wrong all these years! Who do I sue!

Ah, but wait – there is a copy of an original document attached to the communication immediately above. It was mailed to Grandpa’s mother Isabella, who was married to William Howitt for those who are keeping score. This copy tells a different story.

Unless one believes that a single name with only seven letters would be written by the same hand with both a tall looping letter “l” and an “l” half the size of the former (which is what an open letter “e” resembles ), the correct spelling is …. drum roll please:

                                                                HARRY MELCAEF HOWITT  

There is no question that sleep will come easier to me tonight knowing this to be the truth regarding our grandfather and … myself.

Going “to” (being attracted to a new college or job or residence or relationship) carries better odds of success than going “from,” i.e., leaving any of these situations simply because you are ticked off.

When unsure, emphasize variable, not fixed commitments.

What are the unshakable truths about you: be totally honest.

What decisions must be made now, which decisions can wait.

Income fluctuates, but debt is forever.

Crawl … walk … run.

A house is not really an investment; it is fundamentally a residence: assume you will be there five years when considering buying a house.

Your loving family is not in the classroom helping you take a final exam.

Pursue your passion first; at the same time, have an alternative plan.

Regardless of the different paths in life, everybody’s goal is simple: a place to live, food, clothing, a loving relationship.

Do not let the perfect be the enemy of the good.

Decide on your action based on the net: positive factors minus negatives.

There are always unintended consequences.

Bring the bad news first, the good news can wait.

Half of the “answers” come from being able to frame the questions.

Every day is NOT new. You start with the values you created yesterday.

Passion alone does not triumph over inertia: you need a plan.

I want the cultures of all lands to be blown about my house as freely as possible, but I refuse to be blown off my feet by any. (Borrowed from Gandhi)

To start, you must have a good idea, delivered with passion. This will gain you an audience. When the approach is credible and favorable results ensue, you will have a following. If you add attention to data-gathering, procedural consistency and the development of talent, you will have a sustainable program—if you have funding!

Intentionality + Communication + Consistency = Consequences.

The cruelest, most harmful thing a teacher can do is to allow a student to think the world functions in a way different from that which the teacher knows to be true (lifted from a great Reading while on the exercise bike).

Under-promise and over-deliver; over-promising and under-delivering is a cancer affecting everything a person says he will do.

Group data is meaningful, but it tells you nothing about the characteristics of any individual within the group.

Be aware of the Conflict Avoidance Syndrome: fight when you are right.

A degree opens doors and provides options; it does not guarantee a job.

Every Executive-Director in the non-profit world is smart, articulate, compassionate. Each can describe ad nauseum the lamentable plight of a poster child, one whose life challenges well-told can easily cause a funder to be separated from his or her charitable money. Overall, nonetheless, success in aiding such young people is more random than systematic.

In contrast, those who are accomplishing ambitious, societally-important objectives at scale are attacked by the existing power structure – they must be doing something wrong, they must be making money off their scheme.

We believe the societal return on investment from a positive preschool is high. We underfund it.

Mental health services are a crying need in underserved areas. We give it lip service.

The slope of digitization of education is steep; the education results are a flat line.

Almost nobody talks in polite society about the destruction of the family unit as an input relevant to subsequent education challenges for the children involved.

The Silicon Valley techies who have brought us all those wondrous, addictive products are signing no-phone technology contracts with the nannies who are taking care of their kids.

The cumulative hard copy pages devoted to education reform analyses defy the description of environmentally friendly.

Howard Fuller said it right a quarter-century ago concerning the need for reform in K-12 education: “it ain’t about the research, it’s about the will.”

One must hunt to find in-depth analyses of college costs. Reports with the C word in the heading are rarely about deconstructing the why behind tuition/room and board/the long list of fees. Instead they are about finding money, from the student and from the rest of society, to pay for said costs, as if they were fixed for some reason.

When did the Federal Reserve become solely responsible for economic growth? When did the sole function of the Federal Reserve become managing economic growth?

What if the data analytics people discovered that the combination of single parent households, punitive drug laws, inadequate minimum wage levels, and disproportionately expensive daycare actually drove education outcomes more than any other quartet of factors.

Why does a person lead with, “to be honest.” It raises questions about everything else they say.

Why do so many people respond reflexively to a question by saying “that’s a good question.” Are they stalling for time to dream up an answer.

Writer: not sure when I wrote this, but it certainly was pre-lockout. How many of the questions and comments will still be relevant when the pandemic is behind us?

Perhaps it is useful to start with a series of non-negotiable beliefs pertinent to the charter schools of my experience; if an individual’s mindset does not match up, the question of leadership is moot.

*all young people can learn

*high academic standards are a must

*a commitment to data assessment leads to on-point and timely adjustments

*tightness in school culture does not restrain, but frees, creativity

*without great teachers, nothing else matters; hence, professional development is prioritized

*attentiveness to the balance of rigor and joy leads to superior results

*mission alignment must encompass all adults in the building

*character is a way of acting, not a course to be plugged into a curriculum

*diversity is both an end in itself and a means to an end, enhanced educational outcomes

*the education of minorities is, at heart, a civil rights issue, closing the achievement gap

*parents and the community are partners, as defined, in the education process

*success is never final

*transparency is essential to trust

On the more individual characteristic side of the question, these are some thoughts.

*the top person does not have to be charismatic in the conventional sense, but must be inspirational

*humility is necessary both within the school and attitudinally with respect to seeking out Best Practices          wherever they may be located, under whatever governance structure

*great health, high energy, and a disregard for the clock are part of the maniacal commitment to           superior accomplishments

*there is an understanding that a relatively young person managing others of similar age is challenging              and there will come a time when making somebody unhappy has to happen

*there has to be a trust that the board is comprised of individuals equally passionate about the school

*the instructional leader should consider the Operations person a thought partner, even with their     differing responsibilities

*both must understand every line item                of the budget and believe in complete financial integrity

*overall, they should want growth in both the school and in individuals to be as fast as possible, but as              slow as it must be for quality to be maintained.

*demanding with a smile as a demeanor is not a bad description of the leader

*candor in addressing issues of concern is an essential characteristic

*development of future leaders is essential to evaluating how the current top person is doing

Note: there is no attempt above to prioritize the different factors.

Written  11-20-19, relevant to a potential charter school leader

These succinct comments were written in 2019, in part reflecting my interest in the idea of a UBI. Recently, I asked myself “how are the observations below affected by COVID-19” and put my responses in brackets. The setting is the United States.

• DEMOGRAPHICS: There are major differences in median ages among the four major ethnicities. Hence, even though fertility rates of each are comparable to replacement rates, not only will population grow, but more importantly the nation is well on its way to being one of multiple minorities, i.e. no ethnic majority.

Which means: transfer of political power is inevitable. [Figuring the impact of COVID-19 on population, with all due respect to the related fatalities, would revolve around fertility rates; will women of child-bearing age be inclined toward larger or smaller families.]

• A Fact: INCOME and WEALTH DISPARITIES: record levels, with accretion happening daily.

Which means: the current verbal pushback will intensify. [If anything, interest in addressing this issue should rise, given the disparate impact of the virus lockdown.]

• A Fact: FINANCIAL DISPARITIES overlap with ethnicity.

Which means: race is always an issue. [No change there!]

• A Strongly-held (and not unique) Opinion: RACISM is the country’s cancer, with little evidence of remission.

Which means: racism is always relevant. [This is accentuated by COVID-19, as African American and Hispanic deaths from the virus exceed their respective percentages of the population.]

• A Fact: the MIDDLE CLASS earns no more, inflation-adjusted, than a decade ago, is shrinking, is angry, and skews white.

Which means its angst overlaps with every issue above. [COVID-19 “simply” piles on the frustration, particularly as small businesses are crushed by the lockdown.]

• A Fact: Americans have a propensity for individual violence; on average, everybody has a gun.

Which means: frustration + means = highly predictable bad outcomes. [There is no reason to change this viewpoint.]

• A Strongly-held Opinion: Western Europe is not substantially different from the United States in terms of having to struggle with an expected reduced secular rate of economic growth; stress related to the assimilation of an immigrant and refugee population while the native-born population is barely at a replacement rate; and the angst of lessened political stability. [COVID-19 for Western Europe is like throwing a drowning man an anchor!]

Which means: if one American is distraught, he or she can escape to a location elsewhere in the world but if millions are distraught, there is no logical escape. Thus, all the above sources of change and frustration have to be duked out. [Some superficial calmness exists now, when both travel and large gatherings are verboten; later, the underlying situations will become more evident.]

P.S. A must read for those interested in demographics is The Human Tide, by Paul Moreland.

The author weaves a fascinating story about how demographics has been and continues to be central to the evolution of countries and their participation in the world order. Here are a few highlights:

*Sizable population plus industrialization means participation in the arena of political power.

*Population growth is a combination of median age, fertility rate, infant mortality rate, and longevity, plus the net of emigration and immigration.

*Low income, young unemployed populations equal strife. Higher income, older population puts stress on the government social service budget. Shifts in working age to retiree ratio important.

*Rising per capita income, greater education, increased opportunities and independence (including contraceptives and abortions) for women, and urbanization connect to declining fertility rates.

*Future: greyer (multiple countries with advancing age cohorts, greener (more attention to renewable energy), and non-whiter (sub-Sahara Africa has higher fertility rates, even though declining).

*Median ages in the United States:  white, 44; Latino, 28; African American, 33; Asian, 36.

P.P.S. My data points, working backwards through the age spectrum in the United States:

                Above 65, over 75% of the population is white

                In less than 20 years, minorities will constitute over half of the working population

                By 2025, whites and minorities will be equal in terms of the number of high school graduates

                Of today’s newborns, less than 50% are white

Yes, it is a bummer, the likelihood of a Zoom virtual graduation ceremony. Nothing can emotionally replace that magical moment in a traditional ceremony when your name is announced, you walk across the stage, shake hands with whichever college biggie is there for the photo op, and then descend the stairs a somewhat different person.

Four years or more of blood, sweat, and tears, and a whole bunch of money, and the emotional summation is these few seconds in the spotlight when your whole family (who had this date marked on their calendar as soon as it was announced) is going crazy, crying and calling out your name for the world to hear.

But right now, with the Covid-19 lockdown and ban on large group gatherings, it will be a different type of graduation. Time to think of the benefits of a Zoom approach for 2020.

*you can attend in your pajamas instead of dressing up.

*you do not have to rent a graduation cap and gown; instead you save some money.

*you can invite a small number of friends for the ceremony if they can be spaced six feet apart and wear masks, instead of you sitting next to students chosen by some algorithm.

*you can decorate all the masks involved in your celebration instead of being limited to putting a message on your graduation cap.

*you can sit in a comfortable chair instead of those awful folding chairs.

*you can bat a beach ball around freely instead of being reprimanded.

*you can enjoy the absence of a verbose invited speaker instead of being completely bored.

*you can eat home-cooked food instead of being in a long line at a nearby restaurant.

*you can quickly “walk”—into your living room, instead of having to wait in line to “walk.”

One final note regarding your virtual graduation, do not respond if some killjoy asks what are you going to do now with your diploma and your life. Instead show him or her the door!

Background: to state the obvious, different people are reacting to isolation in different ways. An 11 year-old near and dear to my heart said to me, “I am so disappointed in myself; I am starting to curse.” My outlet is writing, whatever comes to mind, even if it is a crazy mixture of satire, realism, and thoughts not representative of what I would like to see happen.

**

Dr. Fauci, the nation’s point guard, has announced that the Chinese virus, aka several other names, may not be so eager to succumb to the warm weather reportedly about to hit the epicenter of New York City. Those aware of the fatal virus situations in, e.g., Colombia and South Africa, might have arrived at a similar conclusion already. He has simultaneously announced that deaths in the immediate future will be much fewer than previously predicted.

(For comparative purposes, the CDC said some 55 million Americans were affected by the winter seasonal flu of 2019-20; 63,000 died. Confirmed Covid 19 cases are 490,000, with 18,000 deaths reported. I believe there is a Professor Singer who has done a lot of work on the value of a human life; if he were to divide $2 trillion by the theoretical number of virus lives saved, his number might be off the charts of any actuarial calculation.)

What the combination of statements from Dr. Fauci means is that success in flattening the fatality curve will be accompanied by a stretching out of the virus’ impact, a plateauing that will persist through the Summer and into the Fall. In the Winter, in the relevant climates, the virus may well be confused with regular flu.

As a consequence, unemployment will not stop at 20%. New mandates (not yet proposed) to have testing done on the premises for every employer of more than 100 people will create a few jobs but not enough to offset drastic and continuing declines elsewhere. People are not going to suddenly head for the airport or the sporting arena or the conference held in a far-off hotel.

Economists in every organization will get the axe for their inability to “model” the virus impact on peoples’ ability to shop and spend; nor do they have a clue as to why most corporations would spend a dime on capital expenditures, except perhaps to further automate their downsized operations.

Prize-winning books published by well-known forecasters and societal modelers  will be pulled from the shelves and deleted from the internet as being not just irrelevant to the new world order (newsflash of no surprise, the European Union has completely come apart) but dangerously misleading.

In response to the chaos, and the screams of all those below the top 10% of reported incomes, the Federal Reserve will be forced to cease printing money to bail out banks, speculators, equity investors, takeover artists, currency traders, bondholders, and other Wall Streeters who have believed there is no moral hazard when the Fed will do anything to make them whole.

NOTE: THE ENSUING PARAGRAPH REPRESENTS A RAY OF LIGHT and therefore is inconsistent with the title of this little essay.

For once, the principle of looking for a relatively simple answer will prevail. Every American will receive a debit card that is good for $1,000 on their particular day of each month; determining the algorithm for this will give a few unemployed geeks something to do. Andrew Yang will lead the effort. Even the super-rich will get this money; the bureaucracy needed to exclude them is not worth it. (On the other hand, this would create jobs, so maybe there is merit to establishing an army of clerks.)

To cash the debit card, an individual must access a bank, which is not a problem as banks now can close their branches (except for the wealthy upper decile, which always needs that personal touch and advice on where in the world to hide their assets) and go completely on-line.

Sculptures will be added (a minor and very specialized job increment here) in the nation’s capitol to commemorate the efforts of Chairman Powell and his colleagues at the Fed for their efforts in early 2020 to hold back the tsunami of economic and societal collapse. The fact that the steps taken were in vain is not germane — more than one Nobel Peace Prize has gone to a non-pacifist.

Because of continuing bans on all human contact by American citizens, food preparation will only be done by people temporarily or illegally in this country. Border patrols will be instructed to provide those who cross into the United States with information on those locales in need of help.

The food itself will be condensed, compressed, and codified for delivery by small drones, the manufacture of which will provide another modest lift to domestic employment. The bulk of drones will continue to come from China despite the implementation of many agreements to keep Chinese influence at a minimum.  Business is business after all.

Admittedly people who prefer something different with their food, e.g. less salt, will suffer. They can either resort to dealing with the growing underground economy or resign themselves to becoming collateral victims of the war to create a new society and be posthumously honored or they can sign up for a Musk flight to Mars.

As companies revisit their supply chain dynamics, particularly the geographic dependency involved, higher domestic inventory levels will ensue, which would be an employment boost except for the inevitable AI/cobot impact. Wall Street analysts will myopically focus on the added costs in this inventory build-up, ignoring the healthcare logic pertinent to the decision, and conclude that long-term earning power of corporate America will decline significantly.

Needless to say, lower earnings and lower confidence in the future – and more recognition that escalating debt at every level of the government and economy is fundamentally a variation of the Ponzi scheme concept — will produce a sharp decline in the stock market, something the Fed and Congress together cannot prevent without third world levels of inflation.

Meanwhile, the principle of social promotion will now govern the world of education. Each and every year for as far as one can see, all students will be deemed one year smarter than the prior year. Those who attempt to use their $1,000 for substantive education will be in violation of the rules, because not everybody will use the money thusly and therefore different people will advance and presumably accrue power over others, not a good thing according to many college professors and New York Times editorial writers.

Maybe people will become better able to conceptualize how a billion people in the world already live on a couple of bucks a day, but they will fight like hell not to remotely approach such deprivation. In truth, most individuals, and the United States does not have an exclusive on this attitude, simply are praying for the virus scare to end so they can return to their prior, profligate way of living.

The underserved, undereducated, underempowered will continue to be screwed. Already they are being disproportionately affected by the virus. Grace periods on paying different bills will be followed by large amount-due notices when creditors believe they have the opportunity to get some of the money owed to them. Eviction notices will similarly re-appear.

Social promotion in education will put those who are already behind even further behind, with negative consequences for long-term economic mobility and their ability to pay current bills. With the Fed already having pumped trillions into the economy, they will have nothing left for those most in need.

Those who hoped that enforced virtual togetherness because of the virus would lead to a calmer, more community-oriented society will be sorely disappointed. Not only will the huge unemployment rate spark serious antagonisms, but all of the above societal and economic factors are taking place during a period of changing demographics and political proposals that stretch tension further.

The inevitable transfer of power, admittedly over an extended period of time, will be ugly to watch. Gun sales will rise, regardless of any politically correct legislation; gold will be accumulated by those who could care less about its inferior long-term rate of return; the suicide rate for middle-aged white men will climb even further; the polarization of the country will be complete.

Reflecting its many and historically atypical challenges, the United States will turn fully inward at the same time as its ethnic diversity should be making it more comfortable dealing with different nations and their non-white populations.

Madmen in real life, of the type already chronicled in novels by best-selling authors, will wonder whether a good ‘ol war would be useful as a way to re-set the social order here and in the affected nations. A terrible idea that has been repeated throughout history.

**

“It can’t happen here” is a wonderful non-analytical, blissfully ignorant sentiment. For sure, the above semi-coherent ramblings cannot be relevant to a locked-down United States in the year 2020. Or can they?

For sure, this country cannot become another chapter in the multi-century opus entitled, “The Rise and Fall of Empires.”  Or can it?

**

In case any student we are helping with respect to their higher education gets the wrong idea, we are completely supportive of their aspirations – and hopeful that some combination of head and heart becomes typical for Generation Z or K or whatever the heck the label is these days!

For a quarter-century, I have been facilitating the pursuit of higher education by young people. To succinctly describe the context, here are some data points: of the several hundred students who have been assisted, an estimated 90% have been Hispanic, probably 95% financially challenged, maybe 10% undocumented or DACA, some 90% first generation, and perhaps 90% with paid jobs in the real world.

All these numbers are from my head as I maximized money invested in students to fulfill their mission and did not devote time, energy, or money on either sophisticated information gathering or data analytics.

Wide reading and lots of experience informed the decision not to spend funds in said directions as nothing learned ever changed my approach, it being as much a lifestyle (mine) as an intellectual decision. Besides, Barnes & Noble and the Internet have more than enough low-priced or free inputs on “mentoring” or “education reform” or “how to help those with thin wallets” or other subjects of similar import.

**

The process of interaction with a young person always began with a quite lengthy first conversation (typically ninety minutes), one-on-one in my small office in the middle of a town which is now predominantly Hispanic. Initially I asked about the jobs and education levels of their parents (both in their home country and in the USA), why they came to this area, their attitudes toward higher education, their feelings about debt, and their understanding of our arcane system of higher education (typically they had surface awareness at best; who can blame them!)

Those queries were simply for extended openers before delving into the complicated thought process of the student. In every conversation, my questions went in the direction indicated by the student’s answers, while simultaneously managing to cover everything I wanted to know. (The information sheet which I used and the complete list of my questions are available at no cost; simply e-mail me at wkbj@att.net.)

Do not ask how the student grantees came to my attention; the answer to the multiple choice question would be “all of the above.” Our marketing/solicitation budget was zero.

Our rejection rate has been close to zero, although a handful of disgruntled students would not say they felt the warmth. Their projected paths were simply too illogical to waste money that should go to others.

While the student was in college, there were periodic e-mails from me (both inquiries as to specific information and my dissertations on various topics), campus visits, and multiple meals (in New Jersey or New York City or wherever the student might be located).

Students realized I was available 24/7 from a communication standpoint, my lack of skill in Spanish being irrelevant. (Perhaps it was offset by my fondness for futbol [including having attended matches in the fabled Camp Nou stadium of Barcelona; my own photo of Messi in action is on my office wall] and my extensive travel in South America.)

My funding per semester was a relatively large amount, the check payable to the student (as an aside, note the current rising interest in non-profit organizations providing money directly and the expanded discussion of the Universal Basic Income concept). I was almost entirely oblivious to other funding sources being accessed by the student and equally (and deliberately) ignorant of whether some of the money was going into the family sugar bowl. 

I have been equally unaware of how tax returns are done by students and their families.

Never was there a connection between the student’s GPA and their grant. My only request was that the student be adamant about graduating.

My life experiences (including Wall Street and homeless shelter volunteering) were shared, I provided recommendations for various educational and specialized scholarship programs, I clipped (not knowing about “links”) and mailed newspaper and magazine articles of interest, gave away relevant (hopefully) books…. and broke bread (I think I mentioned that already). Almost forgot, I sent a birthday card of my own design, attended numerous graduations (that was the outcome goal, correct!) and later, weddings on more than a few occasions.

**

Alumni (students who have been assisted to graduate from college) have realized that there was a continuity of our relationship after graduation, if desired by the individual. For one, it is fun for me to know how people are doing in their real lives; second, such interaction helps me in talking with those who are at earlier stages on their education and career paths; and third, I still like to eat.

I have provided honest and glowing commentaries when requested to be a reference for a prospective employee. Twice I have been interviewed by a Department of Defense investigator about an alumnus involved in a job requiring security clearance.

**

An evaluation of this multi-year effort by myself would conclude (1) it has been hugely successful, (2) it is not scalable and maybe not replicable, (3) it underscores the essentiality of human interaction, (4) it clearly broke some rules established by the businesses known as colleges (no animals were harmed, nor was sleep lost by me!), and (5) it underscored how many high school seniors with the socioeconomic characteristics described above have never had a thorough discussion about possible next steps in their lives.

**

Do not get me started about the country’s underperforming, poorly structured, inappropriately designed education system. The college/university sector specifically should be blown up and reconstituted as a lower cost, lifelong learning collection of credentials that mean something beyond an attractive wall ornament. (Does any college graduate use more than half of what they just spent a fortune regurgitating on tests?)

Do not get me started about the woeful state of guidance counseling, whether at the high school or college level.  The job description is a total misnomer in many cases.

Do not get me started about …. okay, enough, I have a bloodwork appointment later.

Bob Howitt                                                                

P.S. To all grammarians, I probably have slipped with respect to my tenses (or is it my“senses!”) as my foundation is technically finished but my modus operandi lives on as I move closer to my goal of dying broke.

P.P.S. In case my kvetching obscures this fact: I am IMMENSELY PROUD of the accomplishments of all those individuals I have helped along the way.

Back Story: Yes, one does exist. It consists of bumping around in multiple situations (including being self-unemployed for three years, after I was fired by a guy who years later murdered his wife) before landing at a 18-year gig, which included becoming a partner of a respected Wall Street money management and institutional research firm.

A multi-year stint as a homeless volunteer in New York City (culminating in an unpublished manuscript, “Eighteen Months in the Basement”) took place in the final stages of my life on Wall Street. This experience was one of several factors that led to a desire for a big change. I was drafted by the Board of Directors to be the interim Executive-Director of the well-known New York City youth agency with the quaint name, The Door. With specialized help from an uber-aggressive director named Jacki Slater, the program was saved from bankruptcy and tears were shed at my going away party.

Then came day one of what the opening verbiage describes.