Walking & Talking Bear's Blog
       
From time to time I will post comments, thoughts and ideas on a variety of subjects.
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11-26-2006   Canon City Colorado
When The Road Ahead Is Shorter Than The Road Behind

We fear and often resent ageing out.We know that each day of our trip through space and time brings us closer to the end. Focusing on the end is like worrying on vacation about the stuff  you'll have to do when you return home. Fear, worry and resentment  deminish the  experience.

Nothing stays the same, that's the way of things. The "order", the "Intent" can be seen in the repeating pattern of things. We base all understanding  of things, ideas and concepts  on having a base point and then moving from there to somewhere else. Up/down, how far up, how far down?  Rich/poor, hot/cold, love/fear?   Using the Medicine Wheel as a tool we can teach  basic concepts  important to our perception  and enjoyment  of our individual and joint reality.

 The Medicine Wheel represents the Creation, the oneness of all...including humans.
The East side of the wheel is painted Red for that is the direction and colour of the morning sun. It also represent the Springtime of the year and the springtime of our  lives when as infants we are creatures of emotion and all we can do is love and be loved in return .
The South side of the wheel is painted Yellow  for that is the direction and colour of the Summer sun. It also represents the Summertime of our lives when as adolescents we are  creatures of our hormones and the  world is all about us and our needs...we focus on self alone. Some people seem to chose to live in the Summertime forever and never move on.
The West  side of the wheel  is painted   Black  for  that is the direction of Fall time, of the days getting shorter. It also represents  the time of our lives when we are parents and have children for which to care.  As wonderful  as Spring is  with new life blooming and  babies  nursing  secure in their  mothers  arms and love ,  as amazing as Summer is with crops growing riper by the day and with the lushness and fullness of young lust and youthful love...the Fall of our lives is even better. To watch your children being born, to hear  a baby giggle as you nibble at its toes...yes I confess I'm a baby toe nibbler...to see them grow and learn to walk and talk, knowing that once they start talking they'll never again shut up...it's GRAND being a dad..
The North side of the wheel is painted White for that is the direction and the colour of
snow and of Wintertime. It also represents the time of our lives when our hair is the colour of snow and the road  ahead is much shorter than the road behind...it is the time of Elderhood. As Elders we face diminishing desires along with muscle and in time the physical becomes harder. Free of the demands of being parents we can choose to revert 
to focus on self; or we can use our wisdom (The integration of thought and analysis based on accumulated experience." Elhonon Goldberg.. the Wisdom Paradox) for the good of others. Now here is the wonderful thing about doing for others...you create a great experience for yourself.

As Elders we should let go the fear of  death and instead  become an example of  love of giving of ourselves  to and for others.. and who know being a true Elder may be even better than  being a parent.

Close to 8000 American turn sixty each day ...there should be plenty of Elders around to change this world , to move mankind from a time of the "us" and "them" to a time of the "we".
What do you think?
8-10-2006 Canon City Colorado
It's SummerTime and the Living is Easy...Maybe
 
Summer is the slow season in the business speaking and training field due to it being a time of vacations and holidays.  On average Europeans take more time off than do Americans but we make up for spending less time with our families by having more stuff...bigger cars, houses and debt.
I look forward to Summer because I'm off the road and can tend to important things like spending time at home, but there is a trade off and it called the "to do list".
 
The front porch needs painting as does the carport and the trim on the house.  I had planned to re-roof the house myself but ended up hiring a roofer instead. The dogs and the cat like having me around because they can bully me into giving them treats...and the yard work, yesterday I mowed the front and back lawns.. it took 21/2 hours with my 21" push mower. I still need to trim trees and pull weeds.
 
The week before my wife and I drove about 600 miles North to the Medicine Wheel located on Medicine Mt. west of Dayton, Wyo.     http://www.crystalinks.com/bighorn.html.  >From the parking lot it is a 11/2 miles climb  to the Wheel itself . Climbing at 11,000' is work even for those of us who are mountain people and it's even more so for flat landers.  The first thing I noticed, besides the beautiful views, were all the offerings people have left....many many red cloths filled with tobacco tied to the fence, and many medicine bags, head rags, beaded  objects and miniature wheels left by those who came before.
TenRivers had asked me to make an offering of tobacco and to pray for all the people...I did and I asked for guidance in finding Elderhood and  living the last phase of my life to its fullest potential looking out for the generations yet to come. On the walk back to the parking lot a couple of badgers came out and kept us company for away. 
 
When I was young I  was captured and baptized first by Presbyterians and then by Catholics ...I escaped from both but not before I when through the indoctrination . Last week I  saw an advertisement in the  Denver Post for " Luxury Christian Retirement Living" , talk about an oxymoron. In America we warehouse Elders, those with money have more space, swimming pools and golf courses..but they all live in warehouses. Elders are suppose to be  the keepers of wisdom and the guardians of the future and not focused on themselves. One of the projects  we are trying to get started  is a series of Native American retreats , ElderQuests, for men 50 plus years of age. I hear people my age refer to themselves as middle aged, as if the average life span is 120 years. I think they do so to try to recapture an earlier time of their lives, when they were younger, because they know that the road ahead is shorter than the road behind. Sixty year old guys on hogs and hanging with 25 year old biker babes, or chasing around little white balls. www.turtletribe.org .
 
Some have asked about Canon City , Colorado and what it is like living here...well it is a small town growing fast due to the great location and access to water. Canon City only pulls 1/6th of the water it is allowed to pull from the Arkansas River so in a dry state we are water rich. http://www.epodunk.com/cgi-bin/genInfo.php?locIndex=9380..     Fran Ghrahm and his wife Colleen are building a home west of town would like to sell their home in town www.forsalebyowner.com  listing # 20607883 . Besides being a handyman Fran builds "choppers", if you have an interest in either the house or a chopper Fran's number is 719.269.9572...if you talk with Fran tell him hi for me.
 
ben Yoseif has been hard at work updating the Tribe of Turtle Island website and we will soon have the store up and working...visit you may see something you like. www.turtletribe.org
 
It's SummerTime and the living is good.
 
Mitakuye Oyasin,
WalkingBear
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2-28-2006 Canon City, Colorado
IWOPs, some thoughts on illegal  immigrants and card carrying Indians.

On the way to catch an early morning flight out of Heathrow airport  in London I said to my Indian taxi driver, "You know I be Indian as well."  I saw him looking at  me in his mirror and then with a confused  look on his face he asked, "And what part of India are you from?"  "Toas New Mexico .", I answered.
He thought about it for a bit and then he said , "You be a redd Indian!" A few minutes later he asked, "Why is it they call you Indians?"  "It was Columbus, he was looking for you and he found us.", I said. "And why was he looking for us?", he asked. "He wanted your spices.", I replied.

I once had an American of Italian descent tell me that when his family first came to America they were badly treated and were called "wops". I asked him if he knew what that meant and he said he didn't but he knew it wasn't a good thing. "Maybe it was the sound made by their shoes?", he guessed.
 WOP was stamped on papers issued to immigrants who arrived in America without documentation and meant With Out Papers.
Today there are 25 to 30,000,000 Americans of   native American  descent  and only about 2,000,000 card carrying Indians...those recognized by some government or tribal entity .
Among the card carrying Indians are blond haired and blue eyed people who may be  descendants of "ten dollar Indians", white men who paid a bribe to be added to the Indian rolls  so that they could claim  land set aside for  Native Americans .
There are card carrying black Indians  who look like African Americans for a reason; their ancestors include escaped slaves  who  while  allowed to  be free in the  North  were not allowed to intermarry with whites but who  were accepted by Native Americans .

IWOPs (Indians With Out Papers) make up the vast majority of  Americans of Native descent. There are those IWOPs whose ancestors  "stayed out of the fort", who refused to be counted and labeled; and then there were those ancestors who tired of seeing their children go hungry and  who cut their hair and learned English ...some "passed" for Mexican .

My people have always lived in the Toas  area of N. New Mexico.  America came to us in 1848 with the signing of the Treaty of  Guadalupe Hidalgo which ended the expansionist war began by the U.S. and in which Mexico lost  its territory  north of the Rio Grande .
 Prior to the Americans the Spanish  had  come to us starting with Coronado in 1540...eighty years before the Pilgrims  landed on Plymouth  Rock.
My wife tracked down one of my ancestors to 1720 , a Spaniard  named Bernardo Sanchez, who may have been Jewish.
My father always said that his mother was Zuni and he looked it for he was a small nut brown man  with a round face and pug nose. I never got to know my Indian grandmother for she died when my father was about ten. My mother's family were light skinned  people who looked down on Indios, and those who they married . Growing up in N. Colorado  the Mexican kids would called  me Indio, until I grew to be larger than most of them and  they came to regret their words.  The white kids thoughts we were Mexican  and called us "beaners" .  Loose teeth and split lips were a way of life.

My younger son came to me when he was about  seven and  asked  what he was; they must have been talking about "race" in his school.  He was confused, "We have an Hispanic last name, you are an Indian and mom is of English and Irish/Scot descent, what am I?" he asked.  I said to him that he was a little on the tan side , although he'd had blond hair as a  small child.  We are all children of the same God and there is only one "race", the human race.

Throughout  human history  there have always been those evil ones of all colors, sizes and shapes who in their fear  create hate  among people.
 I believe that  the day of those who would  use fear of others to advance their  own agenda  is coming to an end, for I believe that  good people of all colors and shades far out number  the hate mongers and I believe that  some day   people will not care what others look like and from where they came.
Mitakuye Oyasin,(we are all related)
WalkingBear
2-02-2006  Canon City , Colorado
Appreciation and Showing Appreciation
My friend ben Yoseif ,  MaggidbenYoseif@amigo.net  , says that  ingratitude is the basis of all inequity . He also says that a "blessing"  is your reward for doing for others.
An other friend now departed, Jack Brightnose , would start his day by giving thanks for the gift of life. He would seek ways to do for others, to give  of  himself.
One man is a Torah scholar the other was a Cree medicine man, both  followed different paths to the mountain top...but it is the same mountain.

Righteousness: free from guilt or wrong, virtuous, moral and ethical. Talking right and then walking your talk.
Man is a quest hero, a wanderer, a voyager, a seeker after adventure, knowledge, power, meaning and righteousness . The quest is dangerous and unpredictable. Often in weariness he wishes he had never set out upon it - but it is enjoined upon him by his nature.   from Loren Eisely, The Unexpected Universe

Everyone has a philosophy, a unique way of understanding the life experience...and by exercising our free will we get to define the world we inhabit. We can not control the things that happen to us but we can choose how we react to things that happen.

When we do for others with no expectation of  being paid back, when we show love  we create heaven on Earth...here and now.  When we are focused on self alone we cut ourselves off from love, we live in fear and we create our own hell...here and now.

Each day we must  be appreciative  of the gift of life, we must be aware of the benefit  received and share the gift with others...for if we do not we slip into ingratitude, which is a state of fear.

A Lakota Prayer
For all the people.  Great Mystery we ask for guidance, help us to listen with an open mind and pure heart which knows no fear. Help us to speak and act  in a way that honors all people and their teachings. May our words and actions bring  understanding, healing and justice to all the people of Turtle Island, all their children and all our relations.
Thank you, thank you, thank you.

Mitakuye Oyasin (we are all related),
WalkingBear
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 1-02-2006 Canon City , Colorado
Looking Back  and Ahead...
Sometimes when we look back at what use to be we catch a glimpse  of what is to come.
GM, Ford,Car Rental Companies, Insurance Companies and  Government Agencies are at risk of missing out on the future of ground transportation, and if they do Americans  will all suffer for it.

Prior to the automobile ground transportation for most Americans was a slow and smelly affair . I like horses  but man do  they make a lot of  poop.  I'm down to three dogs and one is a small dog , and I do  a lot of poop scooping...I'd hate to scoop for three  horses.
In 2007 China will be exporting  automobiles to America...not just parts but  the done deal.  Those who  own stock in or are  in some other way invested in the American auto industry should be worried...unless they wake up and  seize  the future.

The primary reason  autos exist is to move people from point A to point B...having a/c and looking good in the process are extras.  With  the cost  of energy going up, with Americans aging out  in records numbers  ( 6000 turn 60 every day)  ,  with China building  cheaper cars of high Japanese quality, with 40,000 plus Americans dying on the roads every year and hundreds of thousands more being injured, with advances in technology (the application of science), ...why oh why  doesn't the American automobile industry wake up and move beyond the old replacement for the horse and buggy? 

Someday  soon  we will not have  hunks of expensive  junk  cluttering  our  yards, streets and  parking lots, and instead of having three car garages...one for a car and the other two for storage.. we will be able to cut back to two car garages just for storage of our other junk. We won't have to take time to wash or maintain our own cars..and when we need ground transportation we will be  able to call up whatever we need and when we are done with it, it'll go away.  Automate the auto.

I live in a prison town..John Gotti use to be my neighbor...on the other side of the wall.
How many young  and not so young dumb Americans are doing time related to drunk driving?  It seems like there is always  some story in the newspaper about drunks killing or injuring people while trying to drive. Those cells could be put to better use, those prisoners and  prison guards could be making music or teaching kids...rather than doing time.

It would cost a lot to wire/link  American roads, businesses and homes with autos, to build automated cars, to put in place the billing system ...but at the end of the day the costs would be paid back in so many different ways...ways that would improve life.

Just as the horse had its day so has the unautomated auto...the only question is who will  do it.  Will the  auto  of the  future be a Ford, a Chevy or a Red Star? 

On a different note,  my friend  Rich Williams  past away  the week before Christmas.
Rich was alone in life, having lost his wife and son in an auto accident many years ago. He'd sometimes blame himself for not having been a better husband and father  when  he had the chance. Rich was to  join us for  Thanksgiving  dinner  but he had  car  problems  and couldn't make it,  but he'd  gotten  a new car and was to have been   with us for Christmas  dinner.  There was  service for Rich held in Boulder  but I couldn't  make it  because  its a  two  hundred  miles  drive  one way from Canon City  and my night vision is not what it once was. Rich  died in his sleep...I hope  he has found  the peace that  he  and we all deserve.
Mitakuye Oyasin,
WalkingBear
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12-03-2005 Canon City, Colorado
Bright eyes at the edge of the forest...
Loren Eisely  was a scientist, a writer and a poet. He studied Nature and said something to the effect that there are always "bright eyes at the edge of the forest waiting their turn to be the dominant life force." Author of Starthrower and The Unexpected Universe

I had the same feeling while in Europe for two weeks the latter part of November.
Sharp young, and not so young guys...
Galway is at the western end of Ireland and I was there to do a training program for the Irish Institute of Credit Management and that's where I met Sarah-Jane O'Hanlon who works for Siebel. I talk pretty darn fast, in part because I want to keep people listening and in part because it's my way.
There were some very sharp young people in the room but one stood out, the pick of the litter..Sarah-Jane was right on top of every thing going on. When I questioned the audience she had the answers and was  ready for more knowledge.
In Cork I met Michael Murtagh of ICC Information, and like his boss, James McGovern, who I had met earlier ; Michael has a keen sense of order  and a quick mind.
Dublin was my next port of call and that's where I met  Marketa Strzinkova ....
Marketa  not only attended the morning session on Profit Centered B2B/Commercial Credit Management , she hung in for the afternoon roundtable and again the "bright eyes" were there taking in, asking questions and contributing to the conversation . A smart young woman , Marketa is the Managing Director for Atradius in the Czech Republic.
Declan Flood of the IICM spoke at the Irish programs about the need to constantly improve, to  not get comfortable with the way things are, to seek out new knowledge...he was inspiring.
The following week I attended a meeting at the London Chamber of Commerce and while the people there were on average older, still the "bright eyes" were there thinking, thinking and thinking more. I got to spend time with one of the most creative men I've ever met, Simon Groves, who is the Marketing Director for Atradius in the UK and Ireland and is the Editor in Chief of the Global Business Publication, "COMPASS" and who hosted the London meeting. Simon took me to a "pub" for bangers and mash. It was a pleasure to be there with them all.
Then on to Amsterdam for Credit Expo 2005 where I did two presentations to people who looked at times to be too young to be attending a business expo...maybe its me.
Not only were  there all these sharp young people but also older guys like Tim Lane  the Director of European Operations for the FCIB and Arie Zwartewaalsloot of Ingram Micro who still have the light in their  eyes.
While in Amsterdam it was my pleasure to share breakfast with Miel Brinkhuis and his associate Patricia...neat, sharp young people who work for Atradius and who I pressured to think about having babies...not together.
At the Credit Expo 2005 I spent time  with  Jorgen Lund Lavesen who I'd met before in Copenhagen and with Marc Bill, Marcel Verweij, Carlinda Lengkeek ...all with Atradius and all sharp, eager and full of energy. I also met Richard (Ricardo) Cruz a sales manager with Atradius who reminded me so very much of my younger son, the one who went bad and is an attorney in San Francisco...too sharp...too fast ...so great.

I hadn't planned to be in Europe two weeks back to back but  things happen  and I was sure glad to get home .  This last Friday the temperature hit 60 and the sky was blue, yesterday we awoke to some snow on the ground...just enough to give everything a clean look and smell. Today its about the same as yesterday and my big dog, the one that's half Husky loves it...so do I.
Mitakuye Oyasin(we are all related),
WalkingBear
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11-14-05  Canon City, Colorado
Guilt, self loathing and mitote...the fog of the mind and of the soul.
Everyone screws up and says and does things  that they know are wrong and that they later regret.
But there's are differences  in how people deal with  their sins.

There once lived a man who had every advantage that the world could offer. Wealth, family position and a grandmother who doted on him and taught him self love. Later in his life the man gained worldwide fame and  was accused of being a  hypocrite, of having  talked out of both sides of his mouth about a  human value. His response was, "It is not important that I remain consistent with what I may have said or done in the past. What is important is that I remain faithful to the Truth as it revels Itself."  This man didn't believe in wasting the gift from the Creator, the Life energy, in feeling guilt and punishing himself over and over again for the wrongs he'd committed. He'd learned early in his life that such self focus was selfish and  obscured the lesson . His name? M.K. Gandhi.

An other man, my friend and mentor Jack Brightnose, had a very hard life.  Taken from his loving family  when he was a child in Winnipeg and sent off to "Indian"  school  he was shamed  by his tormentors time and again for being born the wrong color and into the wrong culture.  He learned self hate  at the hands of evil people who claimed to be doing God's work.  In his early life he became a skid row drunk and fathered and deserted  two sets of children. He bore the the scars of  living such a life; scars where  his body and his spirit had been cut and slashed. During the lowest point of his life his oldest son disowned him and swore to hurt him if he ever dared to come  near him.
Brightnose was sober for the last 30 years of his life and spent his Life energy trying to help others and was always there when he was needed;  but he never forgave himself for what he'd done. He told me that one day his son called him and said that he was in Fargo, where Brightnose and his wife were living, and wanted to meet him at a hotel lobby. He tried to sneak out but his wife caught him and didn't want him to go , after all he wasn't a young man and his son had been very angry with him and might hurt him.
Brightnose told his wife that he had to go no matter what happened...this was the boy he'd deserted so very long before and he had to go.
Upon entering the hotel lobby Brightnose was trembling, not from fear for himself but of not knowing  what would happen, of  facing this son who he'd failed.
Brightnose said that he saw his son, a woman and some children and that he closed his eyes. The next thing he knew his son was hugging him and he could feel his son's tears as they rolled down his face and all his son said was...."dad".

Things happen to us and we learn fear and we carry that fear with us and it fogs our minds and our souls, our Life experience.

Brightnose told me that the day he met his son a great weight lifted from his shoulders..he finally forgave himself.
Mitakuye Oyasin,(we are all related)
WalkingBear
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11-04-2005  Canon City, Colorado
Beyond the bling...the basis for wisdom.
When people live in places without street signs and GPS it's important to know the four  directions ..if you are to find your way home. It's the same in our lives.
A teaching tool used by First Americans (Indios) is the medicine wheel which teaches about the different directions, the seasons of the year and the seasons of our lives.
The side of the medicine wheel representing the East is painted  red for that is the color of the direction  of the morning sun. East also represents the Spring of the year and of our lives when we are infants and creatures of emotion . When we are babies all we can do is love and be loved in return.
 The side representing the South is painted  yellow for that is the color of the Summer sun. South also represents the Summer of the year and of our lives; the time of being a youth and of  learning  about the world, about others and about ourselves.
The side representing the West is painted black  for the time of the year when the days grow short  and it represents the Fall of our lives when we are adults and we take care of the children and support the elders.
The side representing the North is painted white for the time of the Winter snows and for the time of our lives when we are elders and charged with looking out for the children yet to come.

Elder hood and wisdom should go hand in hand, but sometimes fear gets in the way .

Elkhonon Goldberg  in his book, "The Wisdom Paradox" writes that "Wisdom in an integration of thought and analysis based on accumulated experience.". He  writes that contrary to the  old thinking about the mind deteriorating as we age new research has found that  in fact the mind grows stronger.  And yet it seems as if many fear  becoming an elder, of sharing the wisdom of a  lifetime  so that others  can  learn and profit  from it.
In today's world many seem to think that the best time of their lives is when they are young and we see many trying to hold back their very nature with  face lifts, hair plugs and young husbands or wives. Old guys on motorcycles and chasing little white balls.


 We  fail to accept that living a fulfilling life requires that we embrace the changes.
Each generation stands on the shoulders of the generation that came before, and if we refuse to accept our role as elders we weaken the generations to come. We must be thankful to those that came before, who worked to make our own way easier and  we owe it to the future generations to show them the way home.

The Creator , the Great Mystery gave us the gifts of  life and of  free will so we could choose to ponder, to reflect on our actions ; and therein lies our salvation, our ability to rise above the fear of aging, of being old and of dying .

Unhappiness comes from judging every experience and trying to hold on to some beyond their time, rather than  accepting things as they are.  Those that speak of could've, should've, would've and go'na miss out on the here and now, they miss out on the life experience before them. They miss out on the gift.

Bling is shiny and fun  but it can  blind us to the  wonders of elder hood if we continue to  worship things and the getting of things beyond its time.

The world has more elders today than ever before in human history and yet  it seems there is less  sharing of self, of giving. We seem to have lost our way, we choose to remain forever young ..as if that is the way to true happiness..its not.
Mitakuye Oyasin (we are all related)  WalkingBear
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10-17-2005  Canon City, Colorado
This week's blog entry has to do with TQM from the back of the parade, and for the younger guys who may not be familiar  with TQM it stands for Total Quality Management....doing things as right as possible the first time.

Identifying The Wrong People for the Job
My people are from Toas N.M. and America came to us in 1848. In my family I'm the tallest at 6', most Pueblo people being on the short side. One of my cousins, a real short man was once arrested for being a "peeping Tom"; they never would have caught him if it wasn't for that ladder he carried...he was the wrong guy for the job.

Prior to entering the  consulting field in 1982 I served as the Corporate Credit Manager of a $55M a year distribution company.  In my  position I  was involved in resolving  things that had gone wrong  and  in so doing I could identify "areas of opportunity for improvement". In a competitive business environment a company must   have quality in it's product/service as well as in the way business processes are carried out.

When things go wrong in business, regardless of the source or who's at fault, the net effect is that the cost of doing business goes up for EVERYONE.  The most expensive work done in business is a re-do. From my position at the back of the parade not only could I provide feedback as to how the "total costs of doing business"  could be reduced by constant improvement of how we, our vendors, and customers did things..I  also  knew who the screw ups were, those people who were responsible for things going wrong.

After my first two weeks on the job I went into the ExecutiveV.P.'s  office with a list of four people he needed to fire. Understand that when I'm on the job, whether it's for a month, a week or a day ..that company picking up the tab is my main concern...it's my business and I want my company to do well. Nothing personal.

The first name on the list was my boss, the assistant Comptroller.   The Executive  V.P. kind of did a double take when he saw the list and said something to the effect that some of the names on the list were people who'd been with the company for years..and I'd been there two weeks.  I said to him, "Let's start with Peggy, the Asst. Comptroller, are you aware that Peggy has instructed the branches to send all cash payments to her here in corporate in a plain brown paper envelope, and that the money goes from the envelope to her pocket?"  The woman was a thief and they fired her but didn't prosecute. She went to work for a radio station in Denver and over the years I've wondered how much of their money stuck to her fingers.

Number two on the list of four was the A/P manager , Mary. I liked Mary, she was a kind woman who brought in cookies.  Mary had one flaw, maybe more, she'd go to lunch and come back to the office three sheets to the wind. I've been there and you may think that you can work just fine when you're half drunk but it's just not so. At that time
rehab was not an option and after Mary left the company we found about $250,000 in overpayments.

Both Peggy and Mary were the wrong guys for the job.

Maybe I'm a hard case but I believe that it's everyone job to do their best when they are at work, and it's not just for the sake of the company and all the others who need their jobs in order to care for their families . If we go to the job with the idea that we are going to sluff off or fail to do our job we cheat ourselves. Gandhi said, "Guard your thoughts for they will effect your words, guard your words for they will effect your actions, guard your actions for they will define your character and guard your character for it will determine your destiny ."

Yes the job of a good credit manager is to find ways to say yes to profitable credit sales, to keep customers current and buying , to identify and control bad debt....but the greatest pay back is the ability to identify "areas of opportunity for improvement", and yes to identify those who by their actions  would pull down the company.

I have no idea what next week's blog entry will be about..you'll just have to be surprised...just like me.
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9-26-2005    Canon City, Colorado
Have you ever scared yourself? I don't mean doing something stupid  that almost gets you killed; like I did last year when I fell asleep while driving and hit a light pole.  I mean have you ever  been startled , taken by surprise?  Sometimes the the "scary"  thing  happens  when  you  stop  to  think  about how  things  are compared to how they use to be, and how  things  are changing
"Web2.0  and Obsolete Words" is the topic of this week's entry
"Telegraph!  If you want to communicate with someone it's the fastest way to do it. And the greater the distance the  greater the  difference between the "telegraph" and any other form of communication. "   The telegram  was  magic; wires that sang a song as they carried words. The wireless (radio) and the telephone made the telegraph obsolete.
Today we are on the verge of  a digital revolution that will  effect and change all of our lives beyond anything we have known before.

Today, on your wireless, hand held do-hicky you can make phone calls, surf the web, send and get email and  other instant  messages.  You can  write, edit, spell check, and publish with the same machine. TV,  radio, payforview...what ever.. it's there . The word "Digital Interface" DI will soon make all those other words used to describe a form of communication obsolete.  Web2.0 is even scarier.

"Change has no conscience, doesn't play  favorites, takes no prisoners. Change will ruthlessly destroy organizations with cultures that don't adapt. Leadership is easy; it is the constant consummate management of change."  from a speech by Jerry Pearson in Oct. 1993.
The internet and email are magic.  The "web" allows us to reach out worldwide, to communicate with a great number of people at very small cost. We can access web based knowledge and gossip. Knowledge spreads and changes with every new use and telling and then it grows and changes again and again. Change is driven by new knowledge, it a cause and effect thing.
Web2.0 is here in bits and pieces . As wonderful as hyper links are for the communication of knowledge,  they  are  but  a starting point  for new applications that  remembers  whatever you "search" for and then it keeps searching new web data and sends you an e-mail when new information is found. Another application goes into web sites looking for new data.

How long before the ever rising cost of gas finally bring about true telecommuting ? Even if people want to go in to an office it might only be 2 days a week.  Better and more cost efficient communications will lead to better matched car pooling. Educators who really want to teach could do so for neighborhood kids who could walk home for lunch with their parent(s).
Rather than highways getting wider  all the time  we may see them shrink due to less and more efficient traffic. And when we  finally get around to automating the automobile the 50,000 of us killed every year  will survive and that may have a direct effect on you.

A Yogi Berra quote from Jerry Pearson's Oct. 1993 speech  ...."When you come to a fork in the  road, take it."

Next week's entry will be about some of the feedback I've had on this blog...maybe.
Mitakuye Oyasin,(we are all related)
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9-16-2005    Canon City, Colorado
This week's blog entry was going to be on Web 2.0 and how  words like email, TV, fax, computer, telephone, cell phone, radio will soon be obsolete; replaced by DI (digital interface). Remember "telegraph"?  But  the web 2.0 entry will have to wait for another day, instead this week's entry deals with "free will".

The cat woke me up about 5 AM , he wanted out, and I couldn't get back to sleep. Sometimes reading  helps quiet my mind.
My friend ben Yosef had given me a copy of "Red Hat Speaks" and as I read I came across a couple of things concerning "free will" that  you might find of interest.
Gandhi said, "Be the change you wish to see in the world." We create our reality by our actions, but things happen beyond our control and the only thing we are left with is how we react to what happens to us. Acceptance of the Creator's will is the purest form of "free will".
Acceptance allows us to move from trying to be God and control our own little universe to being with God . Its OK not to be in control , to judge  ourselves and others. We are truly free to enjoy the gift of life only when we acknowledge that the only true control we have is over how we react to things and people.
Acceptance of our own weaknesses, our fears,  must come before we can fully love ourselves and others; otherwise we will judge ourselves and others as being lacking and then the punishment starts.
 
I'm driving over to TenRivers today, about 80  miles away. I haven't seen him in awhile and I've missed our time together. He helps me to appreciate how good life is and how my problems are small compared to the blessings in my life.
 
Tomorrow is my wife's "Jam and Pot Luck" day, a time of friends getting together to play music , eat and enjoy each other's company.
 
I hope you are happy and that you are getting to spend time with your family and friends..it goes by fast this life thing.
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9-9-2005     Canon City, Colorado
Skunked dogs and 90 day plus A/R; both smell.
This week's blog entry  is about how to deal with skunked dogs and 90 day plus A/R.
It's been a few years since I've last had to deal with skunked dogs, but  this last Thursday  2 of  the 3 dogs got sprayed. The smallest dog, a five year old long haired miniature dachshund  who is known by a number of names including "Miss Ethyl Merman" , has the distinction  of being the only dog I've ever had that I can outrun. She was also the more skunked of the two.

90 day plus A/R also smell bad. Not only do they have a negative effect on cash flow, they also run a higher risk of ending up a bad debt write off and if there is enough of them it can be a sign of  mismanagement.

The best way to deal with skunked dogs is to rub them down with a paste made from a small box of baking soda,a bottle of hydrogen peroxide, and a dash of  dish washing detergent. Don't forget to rinse them off .

The best way to deal with 90 day plus A/R starts by trying  to avoid them in the first place by practicing good credit approval. Determine  "who" the customer  is (type and time in business), how they do business (P.O#, POD, A/P cycle, etc.),  how they check out  (if a potential credit customer has never paid anyone in the past  you're  not going to be the first).  And then weigh their "profile" and "past performance" against your  "product  value  at  time  of  sale" .
 
The foul odor  of bad debt  lingers long after the sweet smell of  huge margins wears off.

Then start contact and follow up on past dues early (3 to 5 days  after due date).
Four  Steps  in Completing the Sale: 1) Contact the person who can tell you  when  you'll be paid and  why payment was not made by the due date 2) after you've worked on relationship development ,  say to your friend (the customer)  "Our records show invoice number so and so dated so and so for blank  dollars as still being open, can you please help me with this?" 3) find a solution to the reason given ( often  past dues are tied to something going wrong) 4) repeat  your understanding of who is going to do what ....follow up  follow up .
Don't forget the 80/20 rule... 20% of the accounts may make up 80% of the dollars...work the largest first.

Next week my blog entry  is about  Web 2.0 and how some words are becoming obsolete.
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8-31-2005      Canon City Colorado
This week's blog entry falls under the category of "Hanging with the Dogs"

"In a Rat Race the Rats Always Win"
It was early this last Sunday when the dogs and I made our way to the patio.  Me with my coffee and the Sunday Denver Post and the dogs with their "good morning- good puppies" treats.
The front page story was about how United Airlines retirees' pensions are being taken over by the government and how this means less money for the retirees.
The front page story in the Business Sunday section was about  how Americans and America is drowning in debt.  Gloom and doom, but some interesting lessons.

First the story on "Have-it-all Habits Put Lien  on America's Future".
Long term obligations undertaken by the feds now equal $145K for every man, woman, and child in the U.S....and it grows daily. Increasing debt and record low savings means that if someone is dumb enough to listen to Pat Robertson and "takes out" Chavez of Venezuela  and if they, Mexico, and others cut off the sale of oil to the U.S. (there are plenty of other buyers) our  overindulging lifestyle and world would crash.

Or, if the rest of the world stops  buying our IOUs, or if the bottom falls out of the stock market (it's happened before)  we'd be unable to service our debts and obligations.
The gist of the story being that if Americans, and more specifically U.S. Americans, don't stop buying stuff we really don't need with money we really don't have ...we could be in a world of hurt.

On to the UA retirees; several and their stories were featured and their stories were all uniform..we worked..they lied..we got taken.
One man featured is  a 60 year old former pilot with two kids, 10 and 12. This man worked at United for 35 years and was earning $220,000 a year for trips that kept away from home 3 to 5 days a week. His pension is $11,000 a month but once the government takes over it will drop to $2300 a month.
The man is quoted as saying that he "sacrificed time with his kids thinking  he could catch up later".
Now, instead of spending more time with his family this man has taken an other job that keeps him away 3 to 5 weeks at a time...more  time away than before. The story went on to say that the man has $600,000  in a 401K  and who knows how much in home equity, savings and other assets.

KIDS  ARE ONLY  KIDS  FOR  A  SHORT  TIME  and adults for a long time.
And how long does a 60 year old think he is going to live?

The man blames the PBGC, United, Glenn Tilton  the CEO who has held on to $4,500,000 in a trust ; and he blames the pilots union.
"Its going to ruin people's lives, its  not what we planned, it will mean a lifestyle change", he is quoted to have said.

There are small towns in Iowa and other states that are losing population. These are great places to raise kids and housing is cheap or  in some cases free, and where new families with children are appreciated and welcomed.  $2300 a month and close to a million dollars  in assets would go real far in such a place.

Who is ruining whose life?

Who makes us buy stuff/junk  we  don't really need? Who tells young couples that they need a 3000 plus sq. ft. house  with a three car garage or they are failures?  Who makes us sell a bit of our soul...time with our children, for an SUV?

An American future where time with  family and friends is more highly thought of, where people live in smaller houses and drive smaller cars , but have bigger lives...Bring It On.
What do you think?
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8-23-2005      Canon City Colorado
This week's blog entry is titled "The Truth is Knowable, The Question is How?"
 
  Before I get into this week's entry I want to thank everyone who responded to last week's entry on "Should CEOs and Senior Managers be Term Limited?"  There was some great feedback and as I sort through it I will post it . Thank you.

"The Truth is knowable , the Question is How?"
If an action is repeated and each time the result is consistent then we have a scientific
truth. A sincere feeling is true. A social truth deals with death and taxes.
And the truth can set you free  if its in the form of new DNA evidence  that overturns a wrongful conviction.
Telling the truth means corresponding with  fact, with reality. But who's reality?  His Holiness, The Daily Lama says that there are 61/2 billion of us humans and 61/2 billion  different realties. There are convent truths such as those voiced by politicians prior to and then following elections.
Gandhi believed that God existed in absolute Truth. Absolute is a powerful word that is not to be doubted , nor limited, nor restricted. To be perfect, complete and positive is absolute.
Gandhi's goal in life was to see the face of God, to know absolute Truth.
The closest he ever came to seeing the face of God, as he recalls in his autobiography  "My Experiments with the  Truth",  was during a train trip.  It happened in India years after he'd gained worldwide fame for his "peaceful non-cooperation" campaign in South Africa.
Gandhi had to travel between two cities for an important meeting and had chosen to travel 3rd class. He was world famous and highly thought of by the people of India and he  had just ended a fast to atone for wrongs committed by those he'd trusted, they had stolen some money, and so he was weak. He could have traveled first class but he chose 3rd class.
Third class travel meant no seating, no clean drinking water and no toilets on what were often hours long trips. Third class  was  reserved for  the victims of what Gandhi had come to see as the greatest sin of Hindu society, the caste system.  In this evil system the lowest caste members and their children were forever doomed to an inhuman existence.  They were considered to be sub-human  and were so treated.
As Gandhi tried to board the 3rd class car he was pushed aside by the bigger and the stronger. As the train left the station he had a porter shove him through a window.
I try to imagine what that must have been like , a skinny little man crashing into that crowded mass of unkempt humanity, the stench, the insults flung at this little man with legs like an old  rooster.  Gandhi writes that he was given barely enough room to stand and for hours he bore the ugly comments directed his way...comments meant to diminish his person and his soul.
He was about to faint when someone recognized him and word spread through the  car that the Mahatma, the old soul, the great soul, was with them.  Gandhi writes that he was given enough space to lie down, water to drink and food to eat and that he could feel the love and affection of these people who  themselves had never known a kindness, who were condemned to an earthly hell.
It was then that Gandhi came closest to seeing the face of God, of Love.

Truth is right and wrong is untruthful; it comes down to how we define right and wrong.
In a future blog entry I'll write about the method that  Ben Franklin  used to determine right and wrong...but not today.
What do you think?
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08-18-2005    Canon City,  Colorado
Welcome to Walking and Talking Bear's blog.
In this, my first entry I'm going to address a business topic that may cause some to have a negative knee jerk reaction. My intent is to get people to think outside their normal box. To question  what is best for their companies, and for themselves.
The topic of the entry is "Should CEOs and Senior Managers Be Term Limited?"

A future entry will be about, "When is Enough Enough and What is the Cost of Too Much".

Beside business topics I'll also be writing about "Lessons From History" ,"The 6th Circle; Conversations with Gandhi, Brightnose, ben Yosef and Ten Rivers", and my favorite, "Hanging With the Dogs".

"Should CEOs and Senior Managers Be Term Limited?"
James Russell Lowell (1819 to1891) wrote, "He who is firmly seated in authority soon learns to think security and not progress".
Ralph Waldo Emerson (1803 to 1882) in essays on Self-Reliance wrote, "A foolish consistency is the  hobgoblin of little minds, adored by little statesmen and philosophers and divines."
Do our fears form our perspective, our view of reality which drives decisions and processes?

The call was from the CEO and owner of a west coast company and he had a question about a $250,000 past due account. He told me the story about how the customer was ducking him and wanted to know what I thought he should do. After we'd talked about the account I asked him if he was stressed. "Do I sound stressed?" , he asked. "Yes". I said.
This man then went on to tell me how he gets up at 5:30 every morning, hits the "club" for a workout, is at his desk by 7:00AM and works until 7:00 PM. "Why?". I asked.
He went on to tell me how besides the big house in the city he also had a mountain home, a boat, and other expensive toys to pay for, insure and maintain.

The call was from the Operations VP of a company with 8 locations, A sharp young man in his mid thirties, he'd started with the company when he was 18 and they only had 1 location. His story was one I've heard before. The owner of the company  was one of those guys who thinks he is smarter than his employees..proof of that being that he was the boss. It didn't hurt any that before him his father in law was the boss.
This key manager, the operations VP,  had   been offered  a better job by a competitor and he was torn between leaving the company he'd worked so hard to help grow or staying in a situation where the boss didn't listen to what others thought.

Following a presentation I did for an international business group in Las Vegas, a line formed of people who wanted a little one on one time. In that line I could see two Japanese men, a younger man and an older man. The older man left the line before they got to me and when the younger one got to me he asked, "How can I get senior management to see the need for change?"

A recent issue of Time Magazine , in the business section, had a story about how Best Buy had gone to flex time. One of the people quoted was a VP who said that when his children were young he didn't see much of them, but that with flex time he had the chance to spend time with his grandchildren.

Humans are creatures of habit and if we walk a rut long enough it becomes a trench. At the point where we are entrenched we have a limited view of things,  and a limited life.

 Life is a cycle starting with that time in our lives when we are infants, creatures of emotion that survive by being loved and giving love. Then we become adolescences and  we enter a time of selfish  growth,  of  testing  ourselves and those who for some reason still love us. If we are lucky we survive to become adults with children to care for and to love. Elderhood, the final stage is at its best a time of giving, of taking care of the generations yet to come.

How many rooms can we live in at a time?  How many awards do we need hanging on our walls?
Should CEOs and senior  business  managers , for their own good and the good of their companies, become something more?   What do you think?

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