Monday, March 26, 2018

ATMs: Give Me The Money

How do ATMs work, exactly?
Before ATMs existed, people needed to go to the bank, fill out a withdrawal slip, and go up to a clerk to withdraw money from their accounts. Now, people get a card from their banks that they can use to get cash using an ATM at any time without the need to interact with a person.


ATMs (Automated Teller Machines) are computer data terminals. They are placed in a store or at the bank for anyone to use, usually 24 hours a day.The ATM connects to a host, (an internet provider) and the host connects to the bank of the person using the ATM (also using an internet provider).
 
On the front of an ATM there is a keypad, and often a Braille keypad for the blind. When you insert your bank card or credit card, the ATM 'reads' information on the magnetic strip of the card. The information goes to your bank. You enter your PIN, and this goes to the host and then to the bank. When you enter that PIN, the machine encrypts it (makes it into a code only a computer can decipher). You then 'tell' the machine how much money you want to withdraw, entering numbers on a keypad, or if you want a bank statement telling you your balance.

 
                                  On the side it says, "Life is Too Short for the Wrong Job."
When you withdraw cash, the machine has a sensor inside that gauges the thickness of the bills as they're dispensed. If they are too thick, too thin, damaged, or there are two stuck together, it rejects these bills and they're discarded. Most ATMs can only use $20 bills, so your withdrawal needs to be in multiples of 20. The machine simply counts how many $20s you've asked for. A typical ATM holds about $200,000.
 
The money you've requested moves from the bank to the host and then to the merchant (owner of the ATM).

How can you be more careful when using an ATM?
  • Don't write down your PIN number anywhere, and especially not in your phone
  • Choose a PIN number that's easy for you to remember but does not use things easily tried by others, such as your birthdate, your address, your child's birthday, your zip code or initials. Here are some ideas:
  • First letters of a song, such as Three Blind Mice See How They Run 324, using upper and lowercase letters  (TBMShotR324)
  • I'm Late For Work Again sorry 4242 (ILFWAs4242)
  • Do not use the same password for any two accounts
  • Stand so as to cover the ATM as much as possible, and cover one hand with the other when entering your PIN


  • Look for anything out of the ordinary that's been placed on the machine. These might be stand-alone card readers that just take the information from your card to be used by thieves. they come back later, remove the reader, and have info from people who swiped their cards. The users don't realize there was an illegal attachment on the machine. These are called 'skimmers.' There's often a tiny camera placed on an ATM in addition to a device where you swipe your card. They're not often very obvious, and can be 'custom made' to fit exactly over the real slot.

More information about skimming and ways to protect yourself from it:  https://www.bankrate.com/finance/credit-cards/ways-to-protect-from-card-skimmers-1.aspx#slide=4
  • Now that most bank cards have microchips, skimming is less of a problem....but it's still being done, and plenty of businesses still have readers that don't take 'chips' yet
  • Skimmers are often placed on gas pumps or on a Red Box for movies
  • When your money is dispensed, take it and your card and leave the area right away, don't stand there counting your money.
  • Choose a machine in a well-lit and safe area. If you feel uneasy for any reason as you're about to use the machine, leave and find another one.
  • Remember, these ideas work at any place where you use a swipe card to make a purchase, as well.
It's not a good idea to try and steal an ATM machine:  https://www.bing.com/videos/search?q=stealing+an+atm&&view=detail&mid=2AF1972800DA2E52E91C2AF1972800DA2E52E91C&&FORM=VRDGAR




 

Tuesday, March 20, 2018

Civics Lesson: The United States Supreme Court

What do you know about the Supreme Court of the United States, or SCOTUS? Here's a crash course:

 
Who can be a Supreme Court Justice? There is no written requirement that a justice must have a law degree, any particular level of education, or be of a certain age. In fact, in 1941, James Byrnes became a Supreme Court justice even though he never finished high school but had taught himself law. He only served for one year. However, it is rare now for a person without a law background to become a SCOTUS justice.


Names are put forward as nominees by the President to the Senate. The Senate Judicial Committee then reviews the nominee, which can be a long process and includes in-depth interviews commonly televised for anyone to follow. When the Senate is done investigating the person, they have a simple majority vote as to whether they approve this person as a Justice.


It's important to note that the United States Supreme Court is not meant to be political, only to decide legal matters without regard to party affiliation.
 
How many judges serve on the SCOTUS?
The number of judges has increased over the years and currently, there is Chief Justice, John Roberts, and 8 Associate Justices. These are:
  • Anthony Kennedy
  • Clarence Thomas
  • Ruth Bader Ginsburg, the oldest at age 84
  • Stephen Breyer
  • Samuel Alto
  • Sonia Sotomayor
  • Elena Kagan
  • Neil Gorsuch, the youngest at age 50

Are there term limits for Supreme Court Justices? No, Supreme Court Justices are able to serve for the rest of their lives, or until they resign, retire, or are impeached. While only one justice had impeachment proceedings begun on him, they did not result in his being removed. Thus, openings for these positions do not come up often.


Why do judges wear robes? They aren't required to wear them, it's just a tradition that began in England. Wearing a robe for study was a way to set scholars apart from non-scholars (this is also why people wear robes upon graduation from school, as a traditional distinction). Initially, robes were brightly colored, but eventually people went to an all-black robe. In England, judges and attorneys still wear curled wigs as part of their 'uniform,' but American attorneys wear suits, judges wear robes, and none of them wear wigs.

A rare look inside the Supreme Court building, which is around the corner from the Library of Congress:  https://www.youtube.com/watch?v=Unyswl36q8w

Does the SCOTUS hear all cases presented to it? No. The Supreme Court receives requests to hear between 7,000 and 8,000 cases every year. Of these, they typically hear less than 100. The people involved want the Supreme Court to offer their opinion as the "Court of Last Resort," and their ruling is final, and cannot be appealed any further.


Each state also has a State Supreme Court. In Minnesota, there are currently 6 Supreme Court justices who are appointed by the governor and serve 6 year terms. They have a mandatory retirement age of 70. The State Supreme Court's main function is to hear appeals of court decisions, sometimes involving Worker's Compensation or tax claims, in addition to criminal cases. They review about 700 cases per year but only hear about 70 of those. In Minnesota, you must have a law degree in order to be a Supreme Court Justice. The State Supreme Court also officiates the Bar Exam for people seeking to become attorneys. http://mncourts.gov/About-The-Courts/SupremeCourt.aspx
 
Here are the steps in having a case heard by the Supreme Court:
  • 1. The case has to have already been tried in a lower court
  • 2. The side that has lost its case may file an appeal to SCOTUS.
  • 3. The odds of the case being heard by the SCOTUS are low (less than 100 of several thousand applicants). If 4 of the 9 justices think the case has merit, and the lower courts have had conflicting opinions, then the court will hear it.
  • 4. If accepted, the requestor has 45 days to file reasons for appeal. The opposing side has 30 days to file its response.
  • 5. The oral arguments for the case are limited to 30 minutes for either side.
  • 6. Then the SCOTUS deliberates and gives their decision.

Often, the justices vote unanimously as to their opinion, but when they are divided, this can sometimes indicate their political leadings (conservative or liberal).
 
Here is the website for the SCOTUS:  https://www.supremecourt.gov/


Some examples of important ("Landmark") cases decided by the Supreme Court, both good and bad:


Dred Scott vs. Sanford     1857
Dred Scott was a slave whose owner brought him to Illinois and later to Minnesota territory. When his owner died, he argued that he was free because he now lived in a free state. The court disagreed:
" . . . We think they [people of African ancestry] are . . . not included, and were not intended to be included, under the word "citizens" in the Constitution, and can therefore claim none of the rights and privileges which that instrument provides for and secures to citizens of the United States. . . ." — Chief Justice Roger B. Taney, speaking for the majority


Miranda vs. State of Arizona     1966
Ernesto Miranda was arrested, but not informed of his 5th Amendment rights not to incriminate himself. The court decided that he should have been better informed: ". . . the prosecution may not use statements, whether exculpatory or inculpatory, stemming from custodial interrogation of the defendant unless it demonstrates the use of procedural safeguards effective to secure the privilege against self-incrimination." —Chief Justice Earl Warren, speaking for the majority  *This led to the expression: Read him his Miranda Rights. These rights are always spoken to a person arrested. "You have the right to remain silent..."


Roe v. Wade        1973
This was a suit brought by a woman wishing not to use her real name, so she used the name "Roe." Wade was the district attorney of Dallas County, Texas. Ms. Roe held that laws against abortion violated her right to personal liberty and privacy, and went against the 1st, 4th, 5th, 9th, and 14th amendments. The Supreme Court agreed and thus made abortions legal in the United States, negating any state laws that said differently. “We … acknowledge our awareness of the sensitive and emotional nature of the abortion controversy, of the vigorous opposing views, even among physicians, and of the deep and seemingly absolute convictions that the subject inspires.” — Justice Blackmun (1973), majority opinion in Roe v. Wade


Brown vs. Board of Education          1954
The Brown family children, from Topeka, Kansas, had to walk a far and dangerous distance to catch a bus to their all-black school. The State of Kansas claimed that their school was equal to the white schools which were closer to their home, but the Supreme Court ruled that "Separate" automatically means "Not Equal," and that the practice of segregation violated the 14th Amendment"We conclude that the doctrine of 'separate but equal' has no place. Separate educational facilities are inherently unequal." —Chief Justice Earl Warren


United States against Richard Nixon      1974
President Nixon installed a tape recorder in his office to record conversations he had about having people break in to a room in the Watergate Hotel in Washington and by other means spy on Democratic goings-on. He then refused to share all the recordings that had been made in an attempt to cover himself from incrimination. The Supreme Court argued that he needed to release all the recordings in their ruling.                    
". . . Absent a claim of need to protect military, diplomatic, or sensitive national security secrets, we find it difficult to accept the . . . [absolute] confidentiality of presidential communications." — Chief Justice Warren Burger


For other landmark cases decided by the SCOTUS:  http://landmarkcases.org/en/Landmark/Cases
 
 
 
 
 




Monday, March 12, 2018

Minnesota Employers: Lifetouch Studios

Remember Picture Day, from Kindergarten to 12th grade?
Ever had a picture taken for a church directory?

                                                                                            

                     
                                                                        

Have you been on any kind of a team and had team pictures taken?
Does your school have a yearbook?
Have you attended your school Prom and had pictures taken there?



Taylor Swift:Her school pictures weren't all great, either
Chances are, the photographers and services provided came from Lifetouch, a nationwide company with its headquarters in Eden Prairie, Minnesota.

Jimmy Fallon in a school picture and today
Lifetouch began in 1936 with two salesmen.They realized the Upper Midwest was mostly rural and did not have a lot of photographers. Following World War 2, they hired many returninig veterans. As their business grew, they offered loans to the vets for houses and cars, which enticed more people to want to work for them. Selling points from the beginning included enlargements, first a 3 x 5" and then a 5 x 7" size, and they were offered in attractive cardboard folders so that no frame was necessary.


The founders of Lifetouch found a niche: What if we set up in a school and let students have their pictures taken as a part of their day? Parents love pictures of their kids, and they don't have to make any appointments or take their kids anywhere but school. The company would then have several hundred potential orders all at once. As technology advanced, so did the company. Different cameras, color tinting, and continuous printing pages helped the company move forward and stay at the head of their field. They then expanded to lots of other uses for photographers in churches, retail stores, and businesses. Eventually, the company reached all 50 states, Canada, and Puerto Rico. It is employee-owned.
Tyra Banks even looked good in a high school picture



Currently there are over 500 positions open at Lifetouch. They offer training for 'new' photographers, and also have positions such as

  • Marketing
  • Graphic Design
  • Process Engineer
  • Sales Associates
  • Human Resources
  • Automation Engineer
  • Communications
  • Event Planner 
 
 
Lifetouch has recently been acquired by Shutterfly, an online photo printing company that makes products with your own pictures on them, including canvas pictures, books, calendars, mugs, and other such personalized items that you can order by uploading your photos and placing an order.
 
  • Lifetouch is the owner of J C Penney Portrait Studios
  • As part of the J C Penney Studios, Lifetouch sponsors iMemories, wherein you can have your photos, in any form, scanned for future preservation https://start.imemories.com/jcp/
  • They also do pet portraits
  • Businesses can hire a Lifetouch photography crew to come out and take pictures of their employees for online or business card use, or pictures taken at conferences or award ceremonies.
           When your dog is so cool you need posed pictures of him






Even if you wouldn't be interested in photography, what can you learn from these enterpreneurs? Do you have an idea that might be successful?


Tuesday, March 6, 2018

International Womens Day: March 8, 2018

In 1909,  in New York City,Womens Day was celebrated on February 28, marking the anniversary of the garment workers' strike against poor working conditions. The date was changed to March 8 in 1975, and it became International Womens Day at the decree of the United Nations in 1977.

This year's International Womens Day will include worldwide activities having to do with rights for women who still do not have them, progress for women to reach their full potential, and to encourage girls to achieve whatever they wish.
 
The 2018 International Womens Day will use the hashtag #Pressforprogress on social media.
 
Today, in the United States, a woman has the right to do everything a man does: She can vote, hold office, own property, drive a car (and buy her own car), earn money and spend it the way she wants, speak freely in public, get as much education as she wishes, has control of her body and can choose whether or not to have children, and can hold any job she wishes. These seem like basic rights, but in some countries these are still out of reach. In Saudi Arabia, women can vote... but they still can't drive a car, go anywhere without a male chaperone, participate in sports, wear makeup, or wear any clothes they choose. In Pakistan and Afghanistan, there are harsh punishments (by men) visited on women who violate any kind of 'code' or 'law' based on their gender.

Did you know?
As late as the 1970s in otherwise 'progressive' countries...
 
  • Women were just gaining 'permission' to wear slacks to work. It was expected they would wear a standard suit with a floppy-tied blouse, in a dark or neutral color.
  • This often applied to school as well. Girls wore dresses. If it was cold, they could wear slacks under a skirt and then take them off once they got in the building. It's worth mentioning that neither boys nor girls wore jeans, and no athletic shoes, either.
  • Women were long considered 'property' of their husbands. They were expected to defer to what their husbands wanted, including who to vote for.
  • Property such as a house or a car was usually in the husband's name only
  • Get pregnant? You were expected to quit your job and stay home with your child. In some cases, employers would also want you to stop working as soon as you 'showed.' Paid maternity leave was a luxury few employers provided.
  • Many women went from their father's houses to their husband's houses. Living alone, for a woman, was practically unheard of. Married women were expected to ask their husband's permission when spending money or to make a final decision about their money, supposedly because he was usually the one who earned more money.
  • The excuse was often made, if a woman protested making less than a man for the same job: Well, he has a family to support and you don't.
  • In the 1930s, often women weren't even encouraged to go on to high school: "You're just going to get married and be home with your kids, what's the point?"
                                        How do you suppose this ad (from about 1968 or so) would go over today?? Poor Jean.                                


In the 1970s, women revived the push for the Equal Rights Amendment, guaranteeing equal rights regardless of gender. But, as of today, only 36 states have ratified it, short of the 38 needed to add it to the Constitution. It's still an important amendment. One wonders why the rest of the states haven't agreed to support it..? http://equalrightsamendment.org/

On the plus side of equality for women....
  • The first Womens Rights convention took place in 1916
  • Women 'won' the right to vote in 1920. Susan B. Anthony was at the forefront of demanding this basic right for women citizens.
                       Women voters visited the grave of Susan B Anthony and put their "I Voted" stickers on the marker, in 2016.

  • Currently, of about 303,824,640 people living in the U.S., with 207,613,574 eligible to vote, 150 million are registered and 137 million actually voted in the last election. Of this number, 53% were women.
  • Sexual harassment of women has been going on for years, and it finally got some attention in 2017 with the #metoo movement: women are tired of being objectified and saying nothing, and they've banded together to say they've had more than enough of this intimidation, bullying, and assault (see Triogenius 10-16-2017 for info about sexual harrassment)


  • The first birth control clinic opened in 1933; up until then, using a contraceptive was illegal and by some considered immoral, even though women were experiencing multiple unwanted pregnancies, thereby endangering the lives of them and their children. In the early 1900s, 600 women died in childbirth per 100,000 births. Today, that rate is 15 (still too high, but better).
  • The Birth Control Pill became available in 1960, making contraceptive easy for many women
  • It was 1981 before the first woman was elected to the Supreme Court, Sandra Day O'Connor. Currently, three women (and six men) are serving as Supreme Court Justices. The women are: Ruth Bader Ginsberg, Sonia Sotomayor, and Elena Kagan.
  • Currently, here are the numbers of women serving in the United States Congress:
  • 22 in the Senate and 84 in the House for a total of 106
  • 6 state governors are women
  • In state senates, 1,871 women are currently serving
  • There are 286 women mayors of smaller cities, and 20 women mayors of larger cities
  • 33.76 of people completing college degrees in 2016 were women. By contrast, in 1996 24% of college grads were women. See a graph starting in 1946 here: https://www.statista.com/statistics/184272/educational-attainment-of-college-diploma-or-higher-by-gender/
  • Worldwide, women generally have a longer life expectancy. Currently, in the United States, the life expectancy for women is 80.1 years of age. It's interesting to note that in 1950, the worldwide life expectancy was 48, factoring in all diseases and conditions that shortened lives, and as late as 2015, it had risen to 71.5.




As we see, most countries throughout the world have higher life expectancies for women (light pink is higher than males, to dark pink where it's much higher than males), except in African countries where there is still a high death rate from AIDS.


Women now work in a wider variety of positions. In the 1960s-70s, the traditional careers for females were teacher, nurse, or secretary. Now, women explore a much wider variety of careers.


Quality of life for women has to do with education, health, opportunities, rights, and standard of living. Reproductive rights are high on the list as well, since only women can get pregnant and bear children.


There is still a gap between men's and women's salaries, however; this is an area that needs to be corrected.




In other words, if a man teacher gets paid $30,000 a year, a woman doing the same job would only be paid 78.6% of that, or $23,580.

 More about International Womens Day:  http://www.un.org/en/events/womensday/history.shtml
Ways in which women are still oppressed around the world: https://www.internationalwomensday.com/