Bank Rupture

by Larry Teren

Harry stopped Friday mid-afternoon in his office, anticipating picking up a nice sized check mailed by a client. He wasn’t disappointed. He quickly went downstairs to the bank on the ground level of the building and waited for the teller to motion him forward. He handed over the deposit slip and the check. The teller looked at the pieces of paper and input his account number into the computer. After staring at the screen for a moment she turned to Harry and said: “sorry, I can’t accept this. Your account is restricted.” Harry asked her to repeat what she said and then for her to explain what that meant. The teller told him to take it up with the bank manager.

The bank manager invited him into her office cubicle and said that his account was restricted and that they didn’t want to do business with him anymore. Harry immediately thought someone had done identity theft and did something illegal with his account. Or, that they felt his business was not worth it as he was too often transferring funds between accounts. He asked for all the money in his three accounts- a business checking, personal checking and “high” savings account (which was only giving out .01 interest). The manager said his accounts were frozen and that she could not give it to him. She did, though, offer to call the fraud department (also known as internal affairs). They commiserated and then put Harry on the phone where the fraud people finally agreed to give him an amount from two of the accounts which came to about a third of his money.

What made this excruciating was that he was given no reason for the “divorce” and Monday would be Labor Day so he would have to wait until Tuesday to pursue the matter further. Nor could he any longer use his debit card or checks. When Tuesday morning finally came, Harry brought an attorney with him to the bank office branch manager. This time she said she was prepared to give him the rest of his money exclusive of keeping open a small amount to make sure that all checks that he had written had cleared. Two days later, he then went back to collect the final amount. At that time, the bank manager said she could now tell him why this was happening as all his accounts were closed. He then asked her if a certain event was what had triggered the parting of the ways. She nodded. So, what happened that caused Harry to encounter bank account restriction? Continue reading “Bank Rupture”

Life With Father

by Larry Teren

Prologue:
Think 1960s, first floor of a two-flat apartment building. It’s summer time and central air is an unheard expression. There are two ways to cool off- go to a show- I mean, movie theater (pronounced by Uncle Henry as thee ay a ter) or take a ride in our pistachio green colored 1964 Rambler with air conditioning. This, of course, limits opportunities of convenience. I mean, what if it’s a sweltering 88 at 9pm on a Wednesday night? No way are we stuffing into the Rambler for a ride.

Scene 1:
Dad to Ma: “Honey, we’re buying a fan.”

Ma: “We have one now and it doesn’t do much. Anyway- can we afford a new one?”

Dad: “I’m tired of the complaints. We’re gonna buy a big fan that fits in the window in the front parlor. And Sam told me that if you put it in reverse and close all the bedroom doors at night, it cools off the house. It sucks all the hot air out. It’s better than suffering.”

Ma: “Well, if you think it’s gonna work, it’s better than what we have.”

I know what you are thinking- how is this going to help anyone sleeping in a bedroom with the door closed and no ventilation? Personally, I don’t care because – I forgot to mention- I’m the odd one out in our four sibling family of three sisters and me. I sleep in the dining room at the other end of the long hallway that connects to the living room and the front parlor.

This budding teenager gets used to being rocked to sleep at night listening to the hum of a large fan going in reverse. I’m convinced that at some point if I get out of bed and walk in the hallway, I’ll be sucked into the front room.

Does the reverse flow help? I’ll put it this way- the next summer dad buys a window slotted air conditioning unit for my parents’ bedroom. Needless to say, we all take turns huddling in the bedroom at any given time. Suddenly, going on freezing car rides no longer is needed. Besides, with the onset of a changing neighborhood, and the airing of NBC Night at the Movies on television, going to the show is not on the list of things to do.

Redux
It isn’t easy living in a three bedroom apartment with two parents, four kids plus now a newborn baby and only one washroom. It almost demands that we get up in the morning at staggered times and take care of our business as quickly as possible. And hope that a family member doesn’t have issues that causes one to dread going in next. It also means using the washroom during the day even when you don’t need to- just because.

Retro
How many times did any of us hear those words of deep angst while taking a bath- “Open up, I gotta go.” It would mean pulling the shower curtain and having to listen to a symphony not meant for anyone but the music maker himself. Especially when a certain person would add the sensual element of smell to go with sound. In fact, forty years later I still had to convince myself it was okay to use the washroom in my own place with no one around with the door open.

Dad’s favorite expression when he would walk past the bathroom after its use was, “throw the walls out!” and then would proceed to fan the door back and forth for at least thirty seconds. Like that was going to provide instant relief.

We knew the bathroom would be in lock down if Dad ambled by with a rolled up newspaper in hand and say to no one in particular, “if anyone calls, tell them I’m in my office.” Our rallying cry whenever or wherever a noxious drift came upon us was- “Throw the walls out!”

Epilogue
Dad being an insurance salesman looked at anyone and everyone as a prospect. Never too shy to make a pitch. His home was not only his castle but his branch office. He worked the phone at night talking to customers servicing their accounts as well as soliciting new business. A kid had to be careful when he or she picked up the phone in the kitchen in case Dad was on it in the bedroom. We got so good with the light touch to taking the receiver off the hook that we could have grown up to be wire tappers.

None of his kids picked up his graceful phone manners. Maybe it’s because it took a special quality to learn to accept rejection or be on the wrong side of an argument. That reminds me- did I tell you about the time Dad returned a toilet seat after using it for a couple of days?

A Doctor’s Last Will

By Larry Teren

1963- November A young black man in his 20’s walked into a doctor’s office on Madison Street about three blocks east of the old Chicago Stadium. The fellow asked to see Dr. Howard Gless (fictional name). The receptionist pointed to the appointment ledger book and asked him to sign in. He wrote down “Jackson”. There were about a half dozen other patients in the waiting room when she led him go to the examination room.

The nurse didn’t show any concern about this patient as Dr. Gless had been listed by the Illinois Public Aid commission as being one of ten doctors who received the largest income from Illinois for treating relief recipients. In fact, his income for tending to welfare patients for the past twenty months had been more that $31,000. That would be like making over $350,000 in 2016.    Continue reading “A Doctor’s Last Will”

No Cotton Picking Solution Urban Crime

By Larry Teren

News Item: Chicago has 1000 shootings for 2016

Considering it is not yet four months into the year 2016, that means an average of nine people a day are shot in Chicago. Granted, not all die but who’s quibbling with a technicality? How did we get to this situation? It all started with John Daniel Rust and the automatic cotton picker.

During the 1930s, Mr. Rust showed that a device that could pick cotton would eliminate the need of humans to toil long hours to do the same work. However, he was not a good businessman and his company eventually went bankrupt. International Harvester Corporation of Chicago took up the mantle with a better instrument and by 1942 had an efficient working model. The lack of steel availability, however, put its distribution into the market place on hold until after World War Two.

Mr. Rust did get back into the business and ended up making a lot of money for himself and investors but it was now a more crowded field. And this little cotton-picking device possibly single-handedly changed the entire scope of American Society post World War II.  Continue reading “No Cotton Picking Solution Urban Crime”

Unphotographic Memories

by Larry Teren

Recently I gave Ma an assignment to find my grade school class pictures. Doing a great job, she handed over to me a manila folder containing items I had not seen in  more than fifty years:  my kindergarten class group photo, the diploma that certified I was ready for first grade and another handful of grammar school class pictures. One important element,  though,  was missing- my memory.

Continue reading “Unphotographic Memories”