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EXCLUSIVE: Sister Sparrow Sax Player, Brian Graham, Talks New Side Project, Influences, And More

first_imgSister Sparrow & The Dirty Birds have been on a bit of a hiatus due to Arleigh Kincheloe’s pregnancy and the recent birth of her son. Live For Live Music wishes a happy and healthy congratulations to Arleigh and the entire band for welcoming the newest Dirty Bird! L4LM caught up with sax player Brian Graham to learn more about his current side project, Diesel Lady, as well as to learn more about what he’s been up to over these past few months. Sister Sparrow is well-known for touring and having as many fans as possible catch their shows, so the down time has been able to offer all members an opportunity to compose fresh tracks, pen new lyrics, and let their creative juices flow.L4LM: Let’s start from the beginning. How did you get into the industry, and what were some of your influences when you were younger? What brought you to this point?Brian Graham: I started music when I was a kid. I had very supportive parents that said, “If you want to try something, go for it.” We had a piano in the house and they encouraged me to take piano lessons, so I did. That was in fourth grade. Then I took up saxophone—like every other kid that joins band—and never put it down. Throughout high school, I always played and was always good at it. Then in my junior year, it kind of clicked for me. I had a moment at a concert when I stood up and did a solo and it just felt right. The audience enjoyed it and it was one of the best feelings I could ever describe. That’s when I decided I should try to go to school for music.I ended up going to The University of Southern Maine for Jazz Performance. During my freshman year of college, I got sick with testicular cancer. That was a tremendously huge life changing event for me. It was a short battle, thank god, but I had to take a semester off from school to have a couple of surgeries. When I got sick, it changed my perspective a lot. You don’t really know what could happen tomorrow, and there’s no reason to not do what you want to do, today. When I went back to school in the fall, it made me work harder. Then I ended up joining a band called Sly-Chi, which was an eight-piece funk band in Portland, Maine. That’s when I really got my ass kicked in music. That’s when I learned how to really play. Everybody in the band was really good. They pushed me to get better. I played with them for a long time. After that, I started in the Fogcutters, which was a twenty-piece big band in Portland, Maine. Then, I ended up running that and co-leading with my buddy John Maclaine.We created a show called Big Band Syndrome, which is probably one of the things I’m most proud of in my life. We came up with this concept where we took local artists and took two of their songs each. The first year, we did eight artists from Maine. We arranged their songs for a twenty-piece big band. We did this for five years. We had huge support from Lauren Wayne of the State Theater. She was the one that encouraged us to do it. Overall, we did about forty local artists and eighty songs or so. If there weren’t horn lines, we made horn lines. If there were string arrangements, we turned them into big band arrangements. The very last year that we did it was a beautiful collision of my worlds because Sister Sparrow & The Dirty Birds was the main act at the end of the show. So that was basically my Portland, Maine career.I was branching out and trying to play with as many different people as possible—to get my name out there and see what could happen. Then, I was in a wedding band on Long Island. There were four or five rehearsals and there was one gig on the books that I went and played. They had promised us a certain amount of money and they didn’t actually pay us that amount of money. I thought, “This sucks and isn’t what I signed up for.” The thing that happened, though, was the trombone player in that wedding band was the trombone player in the Dirty Birds. That was spring of 2012.I actually saw the Dirty Birds the first time they came to Portland. They opened up for Trombone Shorty. I ended up hanging out with Ryan [Snow], the trombone player. Then they left and I saw them one other time that year. That was all I knew of Ryan, and that’s all I knew of the Dirty Birds.Fast forward to January of 2013, and I get a phone call from Ryan. He was curious if I was interested in playing some gigs with the Dirty Birds. They were based in Brooklyn and I didn’t quite understand why he was calling me. Apparently, their sax players left the band and they thought of me because of the wedding band. I looked at their schedule and figured I could make it work. I had never gone on tour. That was four years ago.L4LM: Now that you’ve been in Sister Sparrow for a while, what can you tell about what is in store? Brian Graham: Arleigh just had her baby boy. They are both healthy. We haven’t been able to see each other too much this year. We are all separate and don’t live in the same town. All of us have been chillin’ at the moment. She’s been writing, and the plan is to go back into the studio at some point. Obviously, it’s not going to be right away. The next thing we have booked at the moment is a sold-out cruise in February. We will be on Joe Bonamassa’s blues cruise, Keeping The Blues Alive At Sea. Right now, we are just letting her get settled in and taking things a day at a time.L4LM: Due to the time off, there are a quite a few side projects happening.  We learned of Josh Myer’s project BIG WORDS in his recent interview. Talk about your project, Diesel Lady. How did that evolve and will fans be able to catch the band anywhere soon?Brian Graham: Diesel Lady basically is the Dirty Birds. The only difference is that we have a guy named Max Cantlin on guitar who’s probably one of my favorite guitar players in the world. He’s that guy that plays all the right notes, and you wonder if there are any wrong notes on his guitar. He just does it and you think, “Yeah, that’s exactly what should happen.” I went to college with him, and he was in my very first band ever. We’ve played in so many projects together, and he’s probably the most in-demand guitar player here in Maine. So that’s the major difference between the Dirty Birds and Diesel Lady.Why we’ve done this is because we were all just sad we wouldn’t see each other that much anymore. When you live in a van with someone for 200 days a year, you get pretty close. So all of a sudden, going from living 200-plus days a year with everyone to not seeing each other ever, we decided to put this together. I had a bunch of instrumental tunes, as well as vocal tunes, that were my originals, so we learned all those. Josh had a bunch of originals so we arranged and learned all those. Then we put together a list of songs that we just enjoyed cover-wise and learned to manipulate them to make them our own, in a sense.The other challenge is that we’ve been a backing band for Arleigh for Sister Sparrow. We don’t have our lead vocalist, so what do we do? In a way, it challenged me, Josh, and Max to step up and try and sing some lead—which was really fun actually. I had no idea that I would actually like it. I’m not the greatest vocalist in the world, but I can sing the notes and I can have some fun when I’m doing it. I think that comes across in the show. We’ve also been pushing ourselves musically that make us feel a little bit uncomfortable.Diesel Lady is just the six of us putting together original songs that we think are funky and fun. It’s a show that the Dirty Birds put on but without Arleigh, which is a huge challenge because she’s such a magnetic force to be reckoned with. We’ve only done three shows so far, and now we’re gearing up for our fourth and fifth shows. Hopefully, we will have some more in the fall. We are just getting our feet under us now.Musically, it’s six guys that have been playing music together for a very long time. It came together fast. When we started to rehearse, we learned ten songs in one day. We had one day to learn all the music, and we did. There was also preparation leading up to it. We sent around recordings and talked about it via the internet.The other fun thing we started doing, because we’re all in remote spots and not together, is that we started recording on our own. Dan [Boyden] would lay down drum tracks and would then send it around. Josh would put the bass on it and then each one of us would add our part into it. We are starting to get a few tunes together. We have one that’s done along with a video to go with it. It’s Brady-Bunch style. We did it with our own respective instruments. It’s pretty fun.L4LM: For a final thought, if there was one musician you could jump on stage and play with, who would it be?Brian Graham: I have a couple of answers to that question. I think it would be an absolute dream to get on stage with Tower of Power. I would love to play with Stephen ‘Doc’ Kupka and Emilio Castillo in that horn section. It would blow my mind. I would love to take Lenny Pickett, throw him back in with the band, and play with them. I think that would be unreal. Tower of Power is one of my biggest influences when it comes to just horn sections and horn bands. They’ve been around for 49 years. Next year marks their 50th anniversary as a band. It blows my mind to think that a band has been around for almost 50 years and tours 200 days a year. I literally cannot think of another band that does that, or has done that, for that long. Every time I see them, it’s like going to a clinic for funk and horn bands. I thought that I was getting there, then I see them, and nope, still not there.The other band I think would be just fun is Bruno Mars. I’ve been digging him a lot lately. He just puts on a ridiculous show, and it looks like the music is so fun to play. I’d be ok with that.For more information about Diesel Lady, along upcoming tour dates, please visit their Facebook page.Check out their break new Brady Bunch style video below for “In Ya Face” below!Words by Sarah BourqueCover photo credit: Matt Roelast_img read more

Hospital readmission rates linked with quality of surgical care

first_imgReducing hospital readmission rates is an important clinical and policy priority but whether those rates really measure the quality of hospital care isn’t clear. In a new study, researchers from Harvard School of Public Health (HSPH) found strong evidence of a relationship between surgical readmission rates and quality of surgical care. The finding provides an opportunity for policymakers to improve surgical quality and decrease readmission costs and supports plans by the Centers for Medicare and Medicaid Services to expand its readmission penalty program to include surgical procedures.“Our findings suggest that focusing on surgical readmissions may be a smart policy approach to both improving care and reducing unnecessary spending,” said Ashish Jha, professor of health policy at HSPH and the study’s senior author.The study appears in the Sept. 19, 2013 issue of the New England Journal of Medicine.Much of the policy focus to date has been on reducing readmissions after hospitalization for medical conditions, such as heart failure and pneumonia, but this approach has been controversial. Readmissions for medical conditions are primarily driven by how sick the patients are and whether they live in poor or better-off communities; the link between hospital quality and readmissions is less clear. The authors postulated that surgical care may be different—and sought to find out if there was a relationship between readmission rates after surgery and the quality of surgical care in that hospital. Read Full Storylast_img read more

Young Democrats club advocates voting

first_imgAs the 2012 presidential election nears, students at Saint Mary’s College are gearing up to vote in both Indiana polls and via absentee ballot. Senior London Lamar, president of Young Democrats at Saint Mary’s, said she wants her College peers to realize that exercising their right to vote demonstrates appreciation to earlier generations of politically active women. “Women fought for so many years for the right to vote,” Lamar said. “It is our duty as educated women to take full advantage of the paths those women paved for us and vote in every election being held throughout the year.” As a Young Democrats member, Lamar said vocalizing her political interests enhances her Saint Mary’s experience, but she also realizes other students on campus may not share her views. She said she recognizes the group has a responsibility since there is no official Republican group on campus. “Our organization on campus knows that while expressing our own views of the Democratic party is important, we must also be a bipartisan club for those students who do not share the same views, but express interest in the election and voting,” Lamar said. Senior Young Democrats member Ambreen Ahmad said she is committed to promoting the vote across party lines on the Saint Mary’s campus. “My primary responsibility is to make the bipartisan effort about being able to vote,” Ahmad said. “Over the summer, I was able to look at how democracy has affected the U.S. and how voter turnout is still so low. By being a part of Young Democrats on campus, I am hoping girls will realize that voting is important on so many different levels.” Lamar and Ahmad said they hope to spread the word about the importance of voting through the Young Democrats’ voter registration table, which will be open through Thursday in the Student Center Lounge. The table helps students register to vote, sign up for an absentee ballot and have the organization pay for the postage when voting forms are ready to be mailed. “This is an exciting time for the students here. For most of us, this is our first time voting in a presidential election,” Lamar said. “While this is a great thing to do, Ambreen and I really want our peers to remember that elections happen more frequently for our local governments. We want people to become politically aware and remain politically aware.” Taking initiative to vote in all elections is a crucial American civic duty, Ahmad said. “As educated women, it is even more important for us to exercise our right to vote at every opportunity we have,” she said. As such, the Saint Mary’s Young Democrats’ responsibilities as representatives for the national organization do not end with the Nov. 6 election, Lamar said. “It is our responsibility to keep the laws and policies that are a result of the election in the public’s eye on campus,” she said. “This is our chance to stay active in the community and remain active. By showing what we stand for and not just saying it, the Young Democrats can achieve a greater foothold here.” The Young Democrats will hold a watch night for the first presidential debate Oct. 3 at 8 p.m. in Room 152 of Regina Hall. The club will also meet to watch election night coverage Nov. 6 from 8 to 12 p.m. in Vander Vennet in the Student Center basement.last_img read more

‘Life without preconceived expectations’

first_imgCaitlyn Jordan Eva Feder Kittay, distinguished professor of philosophy at Stony Brook University in New York, addressed the Saint Mary’s community in the Student Center’s Rice Commons Wednesday evening with a lecture titled, “Normalcy and a Good Life: Problems, Prospects, and Possibilities in the Life of People with Severe Cognitive Disabilities.” The presentation was part of the College’s annual McMahon Aquinas lecture and speaker series, which values the qualities of sincere questioning and truth wherever it can be found, assistant professor of philosophy Michael Waddell said.Waddell is also the endowed Edna and George McMahon Aquinas Chair in philosophy, which selects the annual lecturer related to the thoughts of St. Thomas Aquinas.Kittay is the first lecturer in the series who is an alumnae of a woman’s college, Sarah Lawrence College, Waddell said.“I do think there is an enormous value in a women’s college,” Kittay said. “By the end of a couple years, we are able to think without all the craziness that goes on in co-ed situations.”Her work has encompassed the ideas of feminist philosophy and history, and she has authored numerous books in her field, Waddell said. Her contributions have earned her nationwide recognition as a distinguished philosopher and professor.Kittay’s lecture stemmed from her most recent work study in the area of disability, normalcy and the idea of the good life.“An op-ed in the ‘Washington Post’ wrote, ‘having a child with a severe disability makes every parent a philosopher,’” Kittay said. “What if you are already a philosopher and are raising a child with multiple and severe disabilities, including severe cognitive disabilities? You become a humbler philosopher.”Kittay referred to her lecture as a story and an argument from the perspective of a parent who has experienced first-hand, life as a parent raising a disabled child.Many who watch from the sidelines see a disabled child, and they see a family condemned to struggle, Kittay said.  Her goal was to convey how these families and these children can experience a good life without the element of supposed “normalcy.”“Severely cognitively disabled individuals process their world and experiences atypically,” Kittay said. “[They] experience a range of human possibilities only partially available to or not salient for others. [They] have a greater degree of dependence on the care of others.”Kittay posed the question to her audience as to if these people with disabilities could live a good life. She quoted Aristotle in saying, “The activity of the divinity which surpasses all others in bliss must be a contemplative activity … happiness is coextensive with study.”“The philosophers, of course, have much to say about the good life,” Kittay said. “A more contemporary view is held by Martha Nussbaum. What’s normal for ‘a truly human life’ include play, closeness to the animal world, must include the ability to be autonomous and to act rationally and reasonably. These are presumed to be at the core of conception of moral personhood.”Kittay quoted Socrates’s famous statement, “The unexamined life is not worth living,” before addressing how she applied this philosophy during the birth of her daughter.“By the time I had given birth to my daughter, and yet once I became her parent, there was no question in my mind that her life was worth living,” Kittay said. “I would love her as the child of mine she is. This was foundational, the love of reason. The capacity to act rationally [was] not at the center of a life of meaning and value.“How can one argue that moral worth [is] predicated on the ability to reason,” she said. “One can argue life itself is of estimable value.”In speaking about her daughter, Kittay emphasized she did not want her daughter to merely live but to have a life worth living.“This conception of a good life may mean they do not have a life worth living,” Kittay said. “We need not engage in disputes if the aim is to see a good life, nor do I want to speak of a minimally acceptable life. A good life should be much more than minimally acceptable.”Severe cognitive behavioral problems can often cause high levels of pain, which may make life harder to endure. In the case of autistic children, this may make ordinary sensory experiences intolerable, such as physical affection, Kittay said.“As I read and hear from parents with children with severe cognitive disabilities, it’s like being part of a special club,” Kittay said. “Even in the midst of pain, there’s a terror we will lose this child. Many of us has come to appreciate a life without preconceived expectations.”Love, joy and the gift of just being able to ‘be’ encompass the idea of the good life for these children and families, Kittay said.“It’s not easy being not normal,” Kittay said. “Normal is such a benign word. The term is deceptively descriptive. When used against an individual, it can feel like a blunder.“Why does the news that your child is not normal send such a shock,” Kittay said. “The worst fear is that the impairment will affect the child’s thinking. We want health for our children. How will this child grow into an adult who will be valued, not merely as a pitiful charity case?”Kittay said she experienced a great amount of anxiety for her daughter in that she knew she would not live a normal life and always be very vulnerable to the world around her. Though her daughter, Sesha, is now grown, some concerns remain strong for her wellbeing and safety, Kittay said.“She will not be able to have an intellectual life,” Kittay said. “[There’s] her extreme vulnerability to harming herself [and] her vulnerability as someone’s victim.”Kittay also has concerns about what important and “normal” desires of her daughter’s will remain unfulfilled, including romantic love and the desire for young children.“Does this mean that a good life is impossible in the absence of the normal,” Kittay said. “In our own development as parents, the two concepts seemed inseparable in the early years, prying apart ‘a good life’ from the ‘normal life.’”According to Kittay, acceptance in our society is directly linked to self-worth, and therefore affects the desire for normalcy.“We require the affirmation of community that what we are is valuable. We are in danger when we are held in contempt,” she said. “Yet, as much as each of us desires normalcy, we cheerily say, ‘we are not normal,’ and take a certain pride. Claiming normalcy is admitting to a lack of distinctiveness, a banality. We desire to be recognized as individuals.”There are two senses of normal which include an objective judgement of reality and a subjective judgement of value, Kittay said.“It remains puzzling why we should ever desire what is most common,” Kittay said. “So, why should we desire what is a judgement of reality? What deviates from the norm, maybe either a variation or an anomaly, but they need not be pathologies. It’s far more puzzling why anomalies are considered as desirable.”Tags: aquinas lecture, edna and george mcmahon aquinas chair in philosophy, eva feder kittay, kittay, mcmahon aquinas lecture, michael waddell, normalcy, normalcy and a good life, st. thomas acquinas lecture, stony brook universitylast_img read more

FairPoint Communications job fair WRJ November 20

first_imgWhat: Job FairWhere: Hampton Inn Maple Room180 Route 5, White River Junction, Vt.When: Thursday, November 20, 2008v 8 a.m. to 6 p.m.Who: FairPoint Communications, Inc.The following technical, line and support positions are available: administrative assistant, central office technician, outside plant technician, splice service technician and translations administrator. People with operational knowledge of electronics, wiring and cabling, fiber optics, computer technology, networking, construction or administration should visit the career link found on FairPoints Web site at www.fairpoint.com(link is external) or stop by the job fair. Ideal candidates will possess a track record of achieving results while embracing FairPoints customer centric culture. These positions will support FairPoints plans to expand its broadband network while delivering an exceptional customer experience.About FairPointFairPoint Communications, Inc. is an industry leading provider of communications services to communities across the country. Today, FairPoint owns and operates local exchange companies in 18 states offering advanced communications with a personal touch, including local and long distance voice, data, Internet, television and broadband services. FairPoint is traded on the New York Stock Exchange under the symbol FRP. Learn more at www.FairPoint.com(link is external).###last_img read more

Tesla testing novel community storage initiative in Western Australia

first_imgTesla testing novel community storage initiative in Western Australia FacebookTwitterLinkedInEmailPrint分享Ars Technica:A community storage pilot project using Tesla batteries went live this week in Western Australia, three months ahead of schedule. The 105KW/420KWh pooled storage will act as a sort of locker for excess power produced by homes with solar panels.The project is an unusual one because it pools battery capacity for homes with solar panels. It was funded by energy company Synergy and government-owned Western Power, which sought 52 customers with solar panels on their homes as participants. The 52 shares of the project were snapped up in two weeks, far more quickly than expected, which accelerated the project’s timeline.Participants will each be allotted 8kWh of storage, which they will “fill” with excess power created by their rooftop solar panels during the day. (This is in theory, of course. Solar-generated electricity can flow back onto the grid, but there’s no guarantee that the battery will be charged with solar-generated electrons.) In the evening, customers will “be able to draw electricity back from the PowerBank during peak time without having to outlay upfront costs for a behind-the-meter battery storage system,” says a press release from the government of Western Australia.The model is similar to that of community solar projects, which have become popular in the US. Rather than spend money on expensive solar panels (or batteries, in this case), homeowners can opt in to a collective project. A managing company will put up the upfront costs and collect payment in installations. The Western Australian community battery project will cost participants AUD$1 (USD$0.73) per day for 24 months, although the participants will be able to opt out of the program at any time. Still, if a customer would normally buy electricity from Western Power in the evening after the sun goes down, participating in a program like this should save them money.More: Tesla battery will power unusual community storage project in Western Australialast_img read more

Central American Forces Receive Land Exploration Training

first_imgBy Roberto López Dubois/Diálogo January 17, 2019 For almost a month, Central American security forces used their capabilities to explore various Panamanian terrains during a course the Panamanian National Border Service (SENAFRONT, in Spanish) taught. The International Course for Land Guides and Explorers, carried out in November 2018, gathered 28 units of the public forces of Panama, Costa Rica, Belize, and Honduras. The second edition of the theoretical and practical course sought to teach regional security corps knowledge, techniques, and the use of technological equipment needed to navigate different terrains. The course also aimed to strengthen the skills of troops that counter narcotrafficking and related crimes in Central America. “Countering narcotrafficking requires our security forces to use this [land exploration] knowledge to locate the corridors organized criminal groups use, often cutting through jungle, mountain, coastal, and riverine areas,” SENAFRONT Second Lieutenant José Chacón, head of the course, told Diálogo. “This knowledge is not limited to fighting narcotrafficking; it’s also very useful in rescue missions, whether due to natural phenomena or to aircraft or vehicle accidents in hard-to-reach areas.” Developing leadership Taught by 12 instructors belonging to SENAFRONT’s special forces, the course was divided into basic, intermediate, and advanced modules, with theoretical courses and hands-on exercises on the ground in the Panama Canal area, the Darién jungle, and the Chiriquí province’s highlands, on the Costa Rican border. The course was conducted with the support of the U.S. Embassy in Panama, which donated first-aid kits, maps, compasses, and global positioning equipment, among other items. “What’s most important about this course is to develop the leadership the students forge as they take the classes,” Major Oriel De Gracia, head of SENAFRONT’s Special Forces Group, told Diálogo. “In addition to capabilities and skills instructors teach, they should be prepared to lead their troops through the best routes and paths to accomplish their assigned missions.” In the first part, participants learned to find their bearings by using natural means, such as the sun, stars, wind, and vegetation. They learned the basics to estimate distances and time elapsed, as well as day and night navigation techniques with a compass. In the intermediate module, instructors focused on topography identification on a map, the different types of coordinates, and map reading in general. Students also learned the concepts of azimuth, encirclement, and triangulation. “The students showed a lot of interest,” said SENAFRONT Second Lieutenant Ariel Alvarado, one of the course instructors. “During the training, they learned many steps and performed excellent procedures, such as patrols.” In the final phase, participants completed their instruction by using technological equipment, such as the Global Positioning System and other computer tools, to manage, export, and save the information obtained. The course also delved into additional subjects, such as evasion and escape, combat tracking, firearms, and basic explosives, and others. “I learned a lot about locating operational targets using methods such as compass-assisted map reading and sophisticated tools, such as the Global Positioning System,” said SENAFRONT agent Jorge Muñoz, a course participant and a member of the Immediate Reaction Force against Narcoterrorism. “These tools help us get to a specific place safely.” High-level course According to 2nd Lt. Chacón, the course dates back to SENAFRONT’s creation in 2008, when the few navigators in the institution were “from former Panamanian defense forces, and all were close to retirement age.” Seeking to train new generations with the support of the U.S. Embassy, SENAFRONT signed an agreement with the Colombian Armed Forces to create a group of instructors in Panama. The first International Course for Land Guides and Explorers was taught in 2010 to Panamanian units. In 2017, SENAFRONT opened the course to regional security forces and opted to make it an annual, international course. “We are proud of our institution being a pioneer in teaching these courses,” Maj. De Gracia concluded. “We gave instruction, and we also participated in similar courses in other countries, and were able to see that our educational level is very good. We are glad that our partner nations’ institutions trust us as instructors.”last_img read more

How Alabama Credit Union achieved its stellar auto lending results

first_imgAs the 2015 auto buying season continues to heat up, many credit unions are reaping the benefits of this year’s activity. One of those credit unions that has experienced stellar results is Alabama Credit Union. So in part two of our Auto Lending Performance series, we invited Alabama CU’s CLO Benson Bolling (one of the coolest names in the biz) on the program to give us the inside scoop on their success — and some practical advice for those looking to achieve similar results. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img

Millennials: How you can avoid credit pain

first_imgMillennials think they know a lot about credit. But the numbers tell a different story.More than 7 in 10 millennials said they feel confident about their credit knowledge, according to a recent survey by Experian. If fact, millennials on average estimated they had a score of 654. But it turns out that for many 18-to-34-year-olds, even that was an overestimation. And millennials are less likely to check their credit reports, Experian said.“I would say they don’t understand their credit. … Clearly they don’t know how (credit scores) are calculated,” said Guy Abramo, president of Experian consumer services.Abramo said many people don’t have a strong knowledge of how credit works and how scores are calculated. But most people don’t overestimate the way millennials did. “Most people aren’t overconfident,” he said. continue reading » 51SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

What we learned from the “Humans of Credit Unions”

first_img continue reading » At Zogo, we spend a lot of time talking to people — about their lives, about their financial worries, about what they wish someone had taught them about personal finance.A few months ago, we launched our “Humans of Credit Unions” page on Facebook. Here, we posted anonymous stories of real-life credit union members about their financial mistakes mishaps. It became a collection of financial lessons learned the hard way.As you scroll through the page, you quickly learn what we here at Zogo already know to be true: lots of people, especially young people, are stumbling into preventable financial pitfalls simply because they didn’t know any better.Every time I need to remind myself of the importance of the work we do here at Zogo, I like to think of something Simran, one of our co-founders, once said to me: “We live in a pretty complicated financial system, and we’re kind of just thrown into it. We’ve heard some pretty bad financial stories from some of our users — crippling college debt, or mismanagement of debt, taking cash and doing irresponsible things with it — that they later regret. If at some point, we’ve helped someone not do that and make the decision they wanted to make, then we’ve done something cool.” 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more