Generation Passing

Part II of II

Tom paid cash for everything, including their dream home. Except each May he would return to that same Riverside State Bank and take out a loan to purchase window unit air conditioner inventory. During a couple summer breaks from college, I hung out in the store, and early my first day on the job he asked me to accompany him to the bank to get that annual loan.

When we arrived, dad learned the VP he always spoke with was out of town, so a green loan officer – not much older than me – invited us into his cubicle. Tom sat down, slid a single piece of paper across the desk and said he would need $37,000 for inventory. The young man nodded and said: “Mr. Handler, let me get some paperwork for you to complete. We’ll process this as quickly as we can. If everything goes well, we should have your check by the end of the week.” Tom stood up and said: “I’ll be back at three for my money.” I followed him out the door.

Once in the car, I said: “Dad, why did you do that?” Tom told me not to worry. We went back to work, had lunch, and about 2:55 drove three blocks to the bank. When we walked in, that loan officer was standing near the front door. Next to him was the bank president. “Tom,” he said, “here’s your check. I’m sorry about the confusion. This young man now understands the long relationship you have with us.” Brian looked at his shoe tops like a child caught with his hand in the cookie jar and tried to smile.

Life began hard for Tom and didn’t treat him all that fairly later. Mom was diagnosed with non-Hodgkin Lymphoma at 46, went in and out of remission, and succumbed a decade later. During that time, Tom was a wonderful caregiver, never once complaining and always being there for her. He still worked six days a week at the store – although he did start taking off Tuesday and Thursday afternoons to play golf and gin at his self-described ‘poor man’s country club’).

Not long after his wife of 40 years passed, Tom had a going out of business sale and retired. He remarried – a golfer – and played about four times a week. In my entire life I never once heard him say he didn’t feel well. Then on a Friday morning in March 1994, dad went to the doctor complaining of being tired and having some chest pains. He was referred to a cardiologist and set an appointment for Monday. At 4 a.m. Sunday, he got up to go to the bathroom, collapsed and died of a massive heart attack at 69.

Every day another member of the Greatest Generation leaves us, and soon those who gave so much to provide better lives for their children will be gone. Each person has a unique story worth telling. This one is about the finest man I’ve ever known – my father – the sole proprietor of Tom Handler Furniture & Appliances.

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Tradin’ Tom

Part I of II

Painted on the side of the corner building where my father’s furniture and appliance store sat for 37 years was this slogan: ‘Will Trade for Anything.’ Proving that statement true, when I was four, he returned to our nearby house one night pulling a trailer with two horses inside. Seems his customer needed a new bedroom suit and sofa, and didn’t have cash, so ‘Easy Tradin’ Tom’ (as my older brother’s friend referred to him) used the great American tradition of barter.

A few months later, my parents – along with mom’s sister and my uncle – bought 32 acres some 12 miles to the northeast. In 1968, Tom and Billie built their dream home in the country, and their younger three of five kids, me included, grew up without any neighbors; free to hop barbed wire fences and fish in someone’s stock tank or explore… back when you could do those things without having to worry.

Today that area is the heart of DFW, claimed by Colleyville, and to buy land you’d need to add a lot more zeroes to the end of the $1,200 per acre they paid for what my buddies called ‘your farm out in the boonies.’

Fifty years later I understand how dedicated my father was to providing for his family. Born in 1924, he was a Depression-era child whose father died when he was 12, leaving young Tommy as the man of the house with his mother and five sisters. Pearl Harbor occurred during his senior year and every boy in the Menasha (WI) High School Class of ’42 enlisted soon after.

Tom spent four years in the Navy as a pharmacist’s mate… keeping the U.S. safe from threats to the Panama Canal and Galapagos Islands. (In truth, he said, it was mostly gin rummy and golf… and, tongue firmly planted in cheek: “But no enemy got past us.”) He married my mother a month after being honorably discharged, and my oldest brother became one of the first Baby Boomers. By 1950, Tom had two kids, worked full time and attended TCU on the GI Bill.

When the man who owned the small appliance store that employed him said he wasn’t making ends meet and would have to shut the doors, 25-year-old Tom went to a local bank, got approved for a three-year loan and bought out his boss. He quit school 18 hours short of an accounting degree and worked long days – paying off the note in one year.

Tomorrow: How Things Use to Be

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Holding Pattern

When we moved to Houston, we chose cable for our television service. Just short of eight years later we switched to satellite… and frequently endured the dreaded ‘lost signal’ disruption during torrential downpours.

Over the next nine years, our monthly bill continually drifted upward… topping $135 recently – without any premium channels. (Yes, I called regularly to request decreases, and the “$5 off for six months” offers didn’t meet my expectations.)

After a lot of research and a trip to Best Buy to ask questions, I decided to cut the cord and cut the cost. Then I realized that transition would be a big time commitment during one of my busiest seasons, so we switched back to cable to save $50 every month.

Today, George from AT&T arrived promptly at 9 a.m. for the installation, which was ‘expected to take 2-4 hours.’ He left at 7 p.m. – accompanied by a senior service rep, Theo, who joined him midway through the arduous process. They ultimately determined our 18-year-old wiring didn’t provide the necessary signal strength and replaced it.

George never took a break during the 10-hour ordeal… although I did make him a ham and turkey sandwich that he munched on between multiple trips up and down our staircase, into the attic and out to the wiring box. He also never complained nor appeared frustrated, and when he shook my hand to leave said: “This has been a great learning experience for me.”

Attitude is an essential piece of success – in sports, in work, in health. Something tells me George is going to excel in life.

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Mature Mindset

The Olympic Swimming Trials are in full swing this week, and since the nephew of a good friend of ours is one of the world’s best breaststrokers, we’ve been watching. (Of course, Michael Phelps is competing, too, so that adds to the fun.)

Last night as we watched the final lap of a women’s freestyle race in which I didn’t even know the swimmers – with the favorite clinging to a slim lead – I said: “She better watch out or Lane 5 is going to pass her.” My daughter responded: “Dad, you’re always so negative about sports.” Then my son said: “Yes, he is, and doesn’t that get old?”

Wow! Talk about a learning moment. I take a lot of pride in having a positive attitude – and it definitely shows up in our marriage, good health and business success. Yet, when it comes to sports, I am definitely a pessimist. That’s probably from a lifetime of experiencing the agonies of defeat sprinkled far too infrequently with some thrills of victory. (See Texas Longhorns football failing to win their last game of a season four times when it would have meant national championships.)

So this morning I made a vow. No more allowing sports to give me highs and lows. If my team or athlete wins, super. If they lose, so what? That has to be a much better way to enjoy life.

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Caveat Emptor

Part II of II

Yes, little one, once upon a time my mom really did drive me to the public library so I could utilize the Dewey Decimal System to find books to research my history project. (Wikipedia. Really?) Oh, and my dad went to the AAA office and had them map out the roads for our summer vacation to visit my aunts in California. (Google Maps? Pshaw!) Heck, it wasn’t that long ago, I did my income taxes by hand, carefully writing each number on the correct line and calculating the amount due by reading the IRS tables and using my TI calculator. (TurboTax? Why I never!)

Then the world got easier. Check-in for your flight? There’s an app for that. Buy a stock? Click ‘Confirm Trade’. Grandkids live in another state? Facetime. The past quarter century may have been the fastest advance in civilization… Ever. This new wireless planet rewired all of us to approach life differently. Of course, with the good comes the bad – and these days the bad guys are lurking right inside your screen.

For the second year in a row, somebody stole my confidential information and filed a false tax return under my name. Last year we found out on April 14, when our CPA pushed Send and received a ‘We already have your return’ message. About 90 days ago, the IRS mailed us a letter asking for more information about our 2015 return. Since we hadn’t even met with our accountant, I knew right away it happened again.

Being self-employed and making quarterly estimates, we try to hit the taxes due number spot on, so there is never a refund. However, as a concerned citizen, you should be aware the IRS refunds millions to crooks who filed false returns on behalf of people who were due a check. Those are dollars they have no way of getting back – and you and me and every good citizen end up covering the difference in the long run.

Last year I calculated more than 30 hours of work rectifying the situation. So far in 2016 – after spending three hours on the phone with the IRS this week – the clock is at 20 hours and ticking. Multiply that by a few hundred thousand people in a similar situation and the time-waste is substantial.

So be careful where you roam on the World Wide Web. Guard your passwords like gold in Ft. Knox. Hope the big companies – whose electronic security measures failed and exposed social security numbers to the wrong folks – get their acts together.

It’s an electronic jungle out there.

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