money Archives - Page 4 of 7 - Ramblin' with Roger

The FantaCo/Smilin’ Ed Kickstarter; the Wells Fargo refund

FantaCo owner/publisher/co-creator of Smilin’ Ed, Tom Skulan,, is organizing a Kickstarter to create The Complete Smilin’ Ed Comics. He’s trying to raise $7500 by Thursday, December 11, 2014 at 1:12 AM EST.

Those of you who lived or worked in Albany from 1978 to 1998 might remember this sign, created by the late Raoul Vezina in the window of FantaCo Enterprises, the comic book store/mail order house/publisher/convention organizer at 21 Central Avenue; the sign has been digitally enhanced from the original by artist Bill Anderson. Raoul drew the logo rat for the store, the character eventually dubbed Smilin’ Ed Smiley.

A few years later, Smilin’ Ed became the star of some comic books published by FantaCo, as well as in strips in Albany’s Metroland magazine and the Comics Buyers Guide. Unfortunately, Raoul died in 1983 – of an asthma attack.

Now, FantaCo owner/publisher/co-creator of Smilin’ Ed, Tom Skulan,, is organizing a Kickstarter to create The Complete Smilin’ Ed Comics. He’s trying to raise $7500 by Thursday, December 11, 2014 at 1:12 AM EST.

As I have mentioned in the past, I worked at FantaCo, running the mail order, editing a handful of magazines, and various other tasks, from May 1980 through November 1988. I had a hand in scripting one of the stories. I played interlocutor for a couple of parties involved in this project and found a few pieces that are included in the book. I wrote one of the text pieces contained therein. Oh, and I took the picture of Raoul that appears on the Kickstarter page.

Thus, I do have an emotional investment in seeing this project succeed. Raoul’s sister Maria has also been heavily involved with the project, and it’s very important to her. One of the pieces in the book will be the script and some art pages to a never-published Ed story.
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I got this envelope in the mail this month. It appeared to be junk mail, but in fact, it contained a check for $214.85, and not one of those phony “use this check as a down payment on a car from us,” but a real cashier’s check.

Dear ROGER O GREEN:

Our records show you previously purchased, then cancelled an identity theft protection plan. During your enrollment the credit monitoring benefit may not have been activated.

We recommend reviewing your credit history, and are providing a free Experian credit report. Please call… and provide this code…

We are reimbursing yoy for fees paid during a period of time when your your credit monitoring benefit may not have been activated.Cashing the check will not reactivate your plan. For other questions please call Wells Fargo…

Thank you. we appreciate your business.

Interesting. I no longer remember how much the service cost, maybe $5.95 a month, maybe more. But even at $9.95 a month, and it wasn’t that much, that’s over 21 months where the right hand knoweth not what the left hand doeth. I haven’t had a Wells Fargo credit card in years, and seldom used it when I did.

Of course, I DID make use of the Experian report. Surprisingly, they did not try to buy their OWN service; thank you, very much.

Slacktivism against ALS

What’s the difference between the ice bucket challenge and going on a walk to alleviate hunger (which I’ve done)?

There’s this guy in North Carolina named Chris Rosati with ALS, known as Lou Gehrig’s disease, who handed out donuts to folks at schools, children’s hospitals, and cancer wards. He wanted to inspire kids to come up with BIGG ideas of generosity. And he has succeeded in spreading an epidemic of kindness. As Steve Hartmann of CBS news put it: “A lot of people take on a cause when diagnosed with a terminal illness, but it’s usually to cure their own disease. Rosati, on the other hand, isn’t as interested in fighting ALS as he is in healing all of us.”

This has colored my reaction to that ice bucket challenge for ALS. On one hand, it’s silly; on the other, it obviously works. From Forbes: “Have you ever “been to a big-ticket charity gala? Seen the big shots competing for auction items? Visited a local hospital or museum and noticed the wing named for well-known local philanthropist I.M. Arichguy? Watched the main stage at the Clinton Global Initiative? Heard of corporate philanthropy? And so on.

“Narcissism is part of public philanthropy, though it may be too harsh a word. Enlightened self-interest is better – because it’s not just showing off.”

I think the cries of slacktivism from those who consider the ice bucket challenge no more than a waste of good water – there’s a drought in California! – rather miss the point.

I mean, what’s the difference between the ice bucket challenge and going on a walk to alleviate hunger (which I’ve done), or running to fight for breast cancer, or bicycling to take on some other cause? The ice bucket challenge is faster!

Some of the videos are even clever, such as THIS ONE. I AM sympathetic to the observations by local news anchor John Gray that some of the videos could have been better; his mother died from ALS. But even he ultimately applauds the effort.

This is true: the amount of money contributed to charities to fight diseases is not necessarily proportional to how many people have the disease, or how much they suffer. It is a matter of visibility; right now, ALS has got it.

I knew a guy named Robin for a number of years who developed ALS and has since died. He was a gutsy guy, using the latest technology to communicate, involving looking at letters attached to some voice-recognition software. But it’s a bastard of a disease, and if it can be eliminated, I’m all for it.
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Ironically, the co-founder of “ALS Ice Bucket Challenge” drown at age 27.

If I Had a Million Dollars (to spend, in one day)

Can I purchase trips to use in the near future?

Cheri addressed the question: If you found one million dollars in the morning and had to spend it by nightfall, what would you do with the money?

I suppose I could find a house to buy but in 12 or 15 hours? I imagine putting money aside for college for the Daughter wouldn’t qualify.

Tough. If it really meant SPEND, I’d pay off our mortgage, and those of my sisters and brothers-in-law (is that even possible to do in 12 hours?), buy a new car (probably an energy-efficient one), buy a large screen TV. Then a snowplow and lawnmower, for while I can do those tasks manually now, it may not always be the case. Probably buy every tool I think I might ever need, a backup generator, and food that won’t spoil, plus a storage freezer.

Can I purchase trips to use in the near future? Trips to Alaska and Hawaii. And to see the Taj Mahal.

Then start writing checks to family and my favorite charities. Does my church want an elevator? Done. My former church wants an electric door so it wouldn’t be too heavy to open? Done. Red Cross will get a bunch, and so will some feeding programs. Those people who come to a neighborhood and provide free medical services, both in the US and on a ship around Africa.

What would YOU do?

The Barenaked Ladies – “If I Had A Million Dollars”
The Barenaked Ladies – “If I Had A Million Dollars”, in a hurry

The Lydster, Part 115: Honesty

The Daughter has a very strong sense of fairness and justice.

My wife, when some bit of my loose change would fall on the floor, would claim it as her own, if I didn’t pick it up in time, and put it in her change jar. It was this little game of hers and I didn’t much mind, though it’s not as though she needed the money; she now makes more than I do.

I would start getting a bit irritated, though, when I’d leave change on the table or the bed or my dresser, usually in order to take it out of one pair of pants, before putting it into another. Somehow, this was the game taken too far, and I said as much. Not only was it boring, but it also made being home a bit less of the sanctuary I wanted it to be.

The practice stopped, though, only when, at some point a few months ago, the Daughter was staying a couple of nights at her maternal grandparents’ house. She told them that Mama was always stealing from Papa (her current terms of endearment for us). My wife’s mother then relayed this message to her daughter. The Wife realized that, perhaps, she was not offering HER daughter the best role model, even in jest.

The Daughter has a very strong sense of fairness and justice, and by her taking the situation to a higher court, this worked out well for me also.

Its name is Bond: Savings Bond

The $25.00 outlay has gained $6.96 in interest, currently at 0.63%, and is now worth a whopping $31.96.

Our family – mostly I – is cleaning out our attic, and that fact MAY become the source of several blog posts. I have noted that it has become a bit of a sore point. We all have stuff up there, but I have items that are relegated there because there’s no room on floors one and two, according to the powers that be. So I have two bookcases, with books, that I would be inclined to access, e.g.

When we decided to get the attic insulated, it took THREE years. Moving all the stuff to half of the attic, then have it insulated. Then paint it, which I would have skipped. And for a brief time – maybe six weeks, the attic was again a usable space. But then time to insulate the other half, so everything’s then in the OTHER half of the room. And this took the contractor FOREVER to do, until I got…rather grumpy about it, let’s say. Room gets insulated; floor, which was weakened, was repaired; room (again, I believe unnecessarily), was painted.

NOW, finally I could put things from one side of the attic into the other, rather than have everything packed to the ceiling on one side, where I can’t access/find anything. Some of the clutter are old bills and the like, which I WOULD have gotten to a couple years ago, if that had been possible.

One box, I quickly determine was receipts of The Wife’s, all from 2004, the year the Daughter was born. One thing I DID take out was a $50 savings bond. Hmm, I wonder what it’s worth. I go to the TreasuryDirect calculator, and discover that a $50 savings bond purchased in April 2004 doesn’t mature until April 2034. The $25.00 outlay has gained $6.96 in interest, currently at 0.63%, and is now worth a whopping $31.96.

I then remember that I have a about two dozen $100 savings bonds, purchased for $50 each, from the mid-1990s, and I should check their value.

The first one, purchased 01/1993, has gained $89.56 in interest, is still gaining at 4.00%, and is now worth $139.56, more than face value. Cool.

The first ones I got in the next two years are worth somewhat less: the one I purchased 02/1994 has $57.56 in interest, still at 4.00%, for $107.56. 01/1995 has $53.72 in interest, at 4.00%, for $103.72.

But then it drops off badly. My 01/1996 purchase $50.00 has made $50.00 in interest, but is getting only 0.59% interest now. And the last one I bought, in 08/1997 has garnered only $36.20 in interest, and is receiving only 0.63%.

So if I were to have to cash them in, I’d start with the 1996 issue, then 1997, 1995, 1994, and keep those 1993 bonds for last. Savings bonds don’t seem to be the golden value they used to be.