Fires and Floods Now Then and Later

Fires and Floods, Now, Then, Later

Again in October, California burst into flames. Winds to 100mph, 250,000 acres charred. Blackouts imposed capriciously by a bankrupt energy company, crippling campuses and hospitals. 

Once again we watched from six thousand miles away, perched in an old city in the middle of a laguna. After yet another flood tide, we joined a crowd of Venetians gathered in pouring rain to protest the failure of their government to cope with the rising waters and the sinking city. In Rome a panicked parliament voted more millions of euros to complete the MOSE sea barrier network, still untested, already rusting, encrusted with mussels, clotted with sand. 

Unlikely as it seems, Venice has also had a long and terrible history of fire. Palaces and bridges of brick or stone rest on ancient wooden pilings, their interiors lined with wood. Given bone-chilling marine winters, buildings were heated with fireplaces, later with large tiled stoves. Creative chimney design, on display in Carpaccio’s view of the Rialto Bridge, in did not stop every spark. In 1105, great fires decimated 23 churches across the city. A truncated campanile is all that remains of the church on Campo San Boldo, where we were living. It burned first in 1105 and several times thereafter. By 1291, fires had become so frequent and destructive that the great Venetian industry of glassmaking, with its red-hot furnaces, had been ordered by the city government to move to Murano. 

The nearest functioning church to San Boldo is in Campo San Giacomo, where in the early evenings children play and old men shout into their telefoninos.  Instead of fires, the neighborhood is now threatened by the gutting of old buildings to house a boutique inn or yet another fish restaurant. Several mornings a week we went to the Rialto market. The pretty neo-gothic loggia of the fish market dates only to the last century, when it was finally rebuilt after the last big fire. Today the fishmongers (6), butchers (3), and produce stands(20) at the Rialto are fast disappearing. Not only because of the depredations of tourism: German supermarket chains and Dutch coops are everywhere.

Last year Chinese investors proposed establishing a cooking school in the loggia above the fish market. This failed, although the space had been empty for three years. Now an Italian foodie forum, Gambero Rosso (Red Shrimp) proposes to slick up the fish market to offer prepared street food, local specialties of course. The upstairs may house a museum of the history of Venetian commerce and some kind of unspecified commercial activity. Mayor Brugnaro blessed, but did not fund the project, estimated to cost 7-10 million euros. An enraged local activist saw this is the latest move to make Venice into a soulless “toll city.”   

La Fenice, (Phoenix) the Venice opera house, burned to the ground in 1996, not for the first time. Aside from the romantic tale of arson and corruption, in 2004 it was rebuilt, with international funding. Only last October, another fire broke out in the theater, blamed on the backup power system. Failure of electrical providers, ENEL in Italy, PG&E in California,has become common in the age of climate-driven disasters. 

A dramatic winged phoenix emerged in Berkeley, California’s environmental art show, made of lacquered eucalyptus leaves by Sophie Dua. We hope to give it to friends who rebuilt their house following the Oroville fire of 2017–also caused by an electrical malfunction.

The penetrating fragrance of eucalyptus trees stays with me from a childhood on the California coast. That tree, native to Australia, is now prey to fire safety removal measures. The Oakland firestorm of 1991 had spread more quickly via the flammable migrants. Driving back to the bay from the north coast with a Czech friend, I told her that the blazes we could see along the Oakland ridge were reflections of the sunset in hilltop windows. She, with darker experience of war and revolution, thought not.   

A centenarian eucalyptus stands in front of our Berkeley house. Corymbia ficifolia, with abundant pink flowers and tough little urn-shaped nuts that resident squirrels use to sharpen their teeth–and a sturdy trunk that pretends to be supported by a scrawny iron pole. One winter day, gazing vaguely out an upstairs window, I noticed a soft slow drift of white through the eucalyptus leaves. Snow seldom falls in Berkeley. I looked more closely, and made out on a branch a hawk, perched atop a dove, sending feathers floating as it pecked at its prey.  

 Just before the California fires, news from Berkeley had focused on an attack on the Gourmet Ghetto–not upon that unassuming stretch of shops and eateries between the campus and the hills, but upon the breezy sobriquet it had borne for decades. Probably it was christened by a young comedian then working for the Cheese Board Collective. Serious people tend not to traffic in irony. Alice Waters  never liked the term in the first place, and street banners celebrating the “Gourmet Ghetto” have been furled forever.

In 2016 the Venetian ghetto marked its 500th anniversary with a new production of Merchant of Venice. The shallows of political correctness surrounded the project from the start, provoking strained comparisons of Shakespeare’s Venetian ghetto with the current status of refugee enclaves in Europe. William Shakespeare, in any event, appears not to have visited Italy, although thirteen of his plays are set there. 

In 1516, when the Venetians cleared one of their islands to house Jews, this was no act of benevolence: the city at that moment was in sore need of moneylenders. Venetian commerce was suffering because of the new trade routes across the Atlantic, and because of the costly War of Cambrai. In fact, the Jews themselves had to pay the guards who enforced the curfew on the walled ghetto. 

Ghetto came from the Venetian word “geto,” or foundry, which had preceded the Jewish settlement on the Venetian site. Later, “ghetto” came to be the name for any closed community of Jews across Europe. The Venetian ghetto was not opened until 1797, in one of Napoleon’s liberal reforms. Later still, in 1866 when Jews gained full Italian citizenship, many moved into palaces in other parts of the city. After World War II, of some 200 Venetian Jews sent to the camps, eight returned. In Venice today, of 500 Jews resident in the city, few choose to live in the historic ghetto. 

Today, 1500 years after Marco Polo and William Shakespeare, China hopes to recreate the famous if somewhat apocryphal Silk Road trade route, Their BRI (Belt and Road Initiative) invests in the infrastructure of Adriatic ports such as Genoa– and Trieste, already activated– as a gateway to Central European markets. Venice, with its troubled laguna, does not much interest them.

Mayor Brugnaro has been assuring all tour planners, so basic to the Venetian economy, that Venice is still beautiful and awaiting more visitors. Meanwhile, the flood tides have continued through December, and the incomplete MOSE network of underwater barriers has failed to protect most of the laguna. There is no Plan B.


Marine archaeologists continue to excavate the ruins of the ancient port city of Thonis-Heracleion, located thirty feet underwater near Alexandria, Egypt. Temple columns litter the floor of the bay, and a retrieved boat from the 5th century B.C. exactly jibes with Herodotus’ description. 

ADDENDUM?

Early in 4,000 C.E., let’s say, in the northeastern corner of what was once known as the Adriatic Sea, underwater excavations reveal ruins of what appears to be an ancient port. The site is crisscrossed by a network of canals that give some credence to identifying it as the lost city of Venezia. Further evidence is provided by the remains of various slender boats, distinguished by their high prows and extensive traces of black varnish, often mentioned in records of the lost city. Also present on the excavation site are the hulls of very large ships, with space for thousands of passengers.

In the same time frame, but 6,000 miles away on the southwestern edge of the continent once known as North America, significant remains have been found at a depth of a thirty feet in the mud at the bottom of what appears to have been a deep bay, narrowly open to the Pacific Ocean and surrounded by urban settlements. The finds include a wheeled transport system, tunnels, and several large bridges.

Each of these sites appears to have been abandoned during the rising of the seas in the Great Planetary Meltdown that began in the 21st century C.E. 

 

Noted recently in a Roman paper, as reported by Roberto, who had taken a local bus to Villamaina, his hometown in Campania. Another passenger boarded just after him. The news photo indicates a slight resemblance to the young Tiger Woods, black cap and brown arm stretched confidently, possibly tensely, across the headrest.

Several nonnine, grannies, on the bus, far from any country club fairway, took an immediate interest in the young stranger. One asked his name, another his birthplace, his story, his plans. He was Omar from Gambia, living at the refugee center in Lacedonia, on his way to visit friends in the next town.

Lacedonia’s modest center accommodates sixteen unaccompanied minor refugees. When it opened in 2017, Italians were still rescuing drowning migrants from the Mediterranean, taking in more refugees than any other European country.

Here you don’t see the townspeople marching in solidarity, but they did.

Two years ago the mayor of Riace, a crumbling medieval village in Calabria, had become the international hero of migrant resettlement, having integrated several hundred refugees into his depopulated community, using good sense, good will, and government stipends for migrants (39 euros per day).

Then last November, the so-called Salvini Decree was passed, and in April five hundred refugees were evicted from one of the largest migrant centers. The new decree abolishes the two-year humanitarian residency permits granted to migrants who don’t qualify for asylum status yet are deemed too vulnerable to be deported. No longer eligible for assistance, they are now effectively homeless. Critics of the decree say it will push thousands to live on the streets, unable to rent housing, work legally or go to school. The remaining centers in the CARA  system(Centers for Refugee Welcome & Accommodation) are set to close in coming months.

Meanwhile, Riace’s mayor Domenico Lucano

has just been indicted by the Italian supreme court for  specious fiscal violations. Laura Boldrini, former speaker of the Italian parliament, says that Salvini plans to dismantle a model of refugee integration that has worked and is known around the world. “Every cent of public money should be accounted for, but how can the head of a party that has stolen 49 million Euros from Italian citizens tell a Calabrian mayor that there can be no irregularities in the public finances.” A recent court ruling called out Salvini’s League party for fraudulent claims of 49 million euros in electoral expenses. 

Two ancient Greek statues washed ashore near Riace in 1972.  In the 7th and 8th centuries BCE, the coasts of the Italian boot and the island of Sicily had hosted—willingly or not—such large numbers of Greek immigrants that the area became known as Magna Graecia.

Aeneas, legendary shipwrecked warrior, found a warm welcome at his Mediterranean landfall in Carthage. Maurizio Bettini, the widely respected Italian humanist, begins with Aeneas and traces vivid continuities between the acceptance of basic human rights in antique and modern times,  despite the ancients’ slavery and subordination of women. Strangers in the ancient world were to be welcomed, the hungry fed and the thirsty given drink.  Lost travellers were to be guided.  Bettini evokes the true horror in the many corpses of refugees floating today in the Mediterranean. 

While the Italian government turns away refugee rescue ships and closes migrant centers, it manages to accommodate the far-right takeover of a 13th century monastery, the Certosa di Trisulti, on a hilltop south of Rome.

Certosa di Trisulti

Spearheaded by Trump’s former chief strategist and international populist extraordinaire, Stephen K. Bannon, the Dignitatis Humanae’s academy aims to prepare students to become “warriors” against secularizing enemies of the Judeo-Christian tradition who persist in denying that man was created in the image of God.

 Bannon and well-connected Catholic friends hope to counter the influence of the pesky liberal pope Francis, with his compassion for migrants and his warnings about the dangers of growing nationalism in Europe. 

Mr. Salvini and his allies contend that an erosion of the traditional family by liberal values has contributed to Italy’s low birthrate.. They argue that if Italians don’t have babies, they risk replacement by migrants–Muslims–from Africa. 

In the wake of the Salvini Decree, several Italian mayors have declared their intention to ignore it. Leoluca Orlando, mayor of Palermo, has been joined by other left-leaning mayors in Naples and Florence who say they will bypass parts of the decree which they believe to be unconstitutional. The mayor of  Naples has also offered to take in migrants stranded at sea that Italy has turned away. Maurizio Bettini has been declared an honorary citizen of Palermo.

Meanwhile, the bus holding Roberto, Omar, and the grannies arrived at Sturno, pop. 3,083, where the ladies descended. But before leaving, they turned to wave at Omar. “Bye, Omar, stay strong, you are fine, don’t worry, we love you.”

Roberto, who had originally passed the story on to La Repubblica, said that the incident was a small testimony that “the other Italy” still exists and resists, even though mostly unobserved in the cascade of violence that the press faithfully reports almost every day.

With that ficcanasare (nosiness) typical of old people in the provinces, those grannies managed to bring normality to center stage, to remind us that there have always been those who sought to escape, “even from here”.  One woman cited her husband, away in Germany for twenty years, and a nephew who emigrated to England. “There is always a north and a south, wherever you are.”

 

Genoa Now and Then

    After three years in Florence, we returned to California shortly before the flood of November 1966. We watched our heroic friends in the news, cleaning oily mud from priceless paintings and manuscripts.  We flew out of Damascus just months before Syria first began to implode in March 2011 and cannot forget the backdrop … Continue reading

Rings of Fire

In May this was a Tuscan landscape at sunset,  an etching by the friend of a friend.  Yesterday, our copy, fresh from the framing shop, had morphed into a row of blackened trees in the foreground of an inferno. In the interim, we had spent several days on the Mendocino coast, just a few hours … Continue reading

WAITING FOR VERDI

     1506619958-Nabucco_tickets

 

Last month I was in Italy, where summer had steamed in early and politics had moved into operatic extremes of drama and imbroglio only slightly leavened by farce. Finally running the new coalition government are the boy wonder of the Five Stars populist movement, founded by a comedian, and the head of the proto-fascist League, who is no longer a joke. The two chose as the new premier an amiable law professor with a  CV padded by drive-through sojourns at prestigious universities in Europe and the U.S.

Five Stars leaders

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Luigi di Maio and Matteo Salvini

While peculiar politics also reign in my own land, in Italy we tend to see their aberrations as a familiar comedy rather than a dark threat to the survival of the planet. Hard to remember that our Yankee republic was founded almost a hundred years before the bickering regions of the Italian boot could be laced together.   

At least Italy’s revolution was accompanied, if not actually orchestrated, by music—with Giuseppe Verdi as its figurehead.  Verdi’s poignant chorus from Nabucco, “Va Pensiero, sull’ ali dorate,” sung by homesick Hebrew slaves, has come to symbolize the patriotic fervor that led finally to Italian unification.

  Waiting for Verdi is the title of a long-awaited new book by Mary Ann Smart, a music historian who writes brilliantly about opera and society. The title clearly contains an ironic reference to Samuel Beckett’s play, but also  to the high anxiety shared by struggling Risorgimento patriots, artists and revolutionaries as they struggled toward Unification.

 

     Often as Verdi’s work is linked to Italian revolution, A Masked Ball  is set instead in colonial Boston, replete with an a doomed romance, an assassination, and a dusky-skinned fortune teller. Not very diligent research has revealed that the original libretto required Ulrica, the fortune teller, to be played by a “negro.”

Marian Anderson at the Lincoln Memorial

Thus the Metropolitan Opera debut of the sublime contralto Marian Anderson, in 1955 the first African-American to sing there.  

 

 

 

 

 

 

 

Nabucco was also playing at the Vienna State Opera when I was a student living with the family of an impoverished baron just a block from the opera house. But the concert and opera posters reminded me of periodic tables, and knowing next to nothing about opera, I went to the Richards, Wagner and Strauss, but never to Nabucco. Little did I know that it was a thrilling tale of King Nebuchednezzar, proprietor of the Hanging Gardens of Babylon, and featured madness, passion, betrayal, and wanton destruction of selected temples and gods.

In 2015, the Greco-Roman Temple of Bel at Palmyra, 32 CE, was destroyed by ISIS vandals soon after they had beheaded Khaled al Asaad, Palmyra’s much respected chief of antiquities. The Temple of Bel, according to another archaeologist, Khaled’s friend, had actually been a kind of a monument to religious coexistence. The main altar of the temple had been used for sacrifices to different gods, sometimes even side by side. The archaeologist also pointed out that ISIS had announced the destruction of Palmyra well in advance of the fact, but the international community had done nothing.

ruins of the Temple of Bel, 2015

In any case, peaceful coexistence in Syrian lands is hardly even a memory. Now the best expectations are that some 75,000 Syrian refugees fleeing Daraa—where the so-called civil war began—can be sheltered in Jordan. Four million other Syrians are still homeless.  

Meanwhile, the tragic histories of the ancient Middle East have fueled many operas besides Nabucco. How many works of art and music will commemorate the refugee flights of this century, and to what end?  

For some years it has been proposed, and rejected, that Italy’s national anthem be replaced by “Va Pensiero,” the haunting Hebrew slaves’ chorus in Nabucco. Only recently it has been adopted by the far-right League, as its official hymn.  Matteo Salvini and his League are committed to  labeling and expelling all immigrants, including thousands of Roma who are legal citizens. Here, whatever Verdi’s politics were, we could use the intervention of the Anvil Chorus.    

 

My Father and the Generals

 

 

Daughters of the American Revolution

 

Through the years I had heard occasional rumors of a distant relative on my father’s side called Indian Mary.  When my son the anthropologist was writing about Ishi, the last Yahi Indian, the time seemed ripe to research the rumor. On balance, and on record, there was also an ancestral Civil War general, Eugene Carr, who later fought in the American Indian wars.

More recently there was my own grandfather, reportedly a gentle man, who fought in almost every war in his lifetime.  It’s a challenge to calculate how he managed to sire four boys and a girl, quite closely spaced, while on leave.  An even greater challenge must have been for my small but spunky grandmother to raise them all on sporadic soldier’s allotments.

Custer Bvt MG Geo A 1865 LC-BH831-365-crop.jpg

Gen. George Armstrong Custer

My father, late in life, chose to loathe another Civil War general who went on to slaughter Indians, George Armstrong Custer. He read everything published about Custer, who was, to be fair, loathed by many others. He and my mother travelled to various Custer sites, Gettysburg and Little Big Horn, if not to Custer’s grave at West Point. I might perhaps mention that a subsidiary interest of my father’s was the Donner Party.

It gave us both considerable satisfaction for me to assign my father to review a psycho-biography of Custer for the Berkeley Gazette, where most, but not all reviewers were my more literate friends and relatives.  Alas, Evan Connell’s fine book on Custer, Son of the Morning Star, did not appear before the Gazette and its nepotistic book section folded in 1984.

The latest grand entry in the long, defiant tradition of nepotism is of course Potus 45.  Whom to cite first?  British journalist Matthew Norman predicts much nepotistic merriment to come:  Ivanka will win the $600 million contract to supply new U.S. Army uniforms, Donald Trump Jr. will replace Ulysses S. Grant on the $50 dollar bill, & eleven year-old  Barron & two of his teddy bears will be appointed to replace the National Security Adviser and two four-star generals in the Situation Room.

Douglas MacArthur’s signature corncob pipe is still being manufactured….

Another American general loathed by my father was Douglas MacArthur. Here the dislike was more grounded; he had served under MacArthur’s command in the Philippines and in the occupation of Japan.  But it wasn’t until the Korean conflict that MacArthur’s megalomania came close to igniting a third world war. Luckily, President Truman had the courage to remove him from command before he could bomb China. (In our time the closest analogy might be some responsible general removing a president.) 

It comes as no surprise to learn that P-45, as one world-class narcissist to another, has expressed his admiration for the doughty General MacArthur. He would have been a bit young to have watched the Congressional hearings that determined beyond doubt that Truman was justified in firing the general, and it’s hard to imagine Trump Sr. backing the Missouri haberdasher.

George Armstrong Custer was ranked last in his West Point graduating class, and Douglas MacArthur was first in his. But they were equals in egotism, flamboyance, and blinding self-righteousness. Custer’s oblivious bravado ended his and many hundreds of others’ lives at Little Bighorn. MacArthur was booted before he could make the fatal decision to bomb China. Like other self-promoting egotists, MacArthur later considered running for president, but had the brains to decide against it in the end.

Shortly before my father shipped out to the Pacific, I remember awakening, wailing, from a dream of a tractor, or a tank—ratcheting up the screen of my bedroom window. And one morning as I was playing alone in the courtyard of our apartment building, a moving van began to back slowly toward the wall behind me. In each case, I waited anxiously to be crushed by a large machine. This would have been wartime San Francisco.

My baby brother was still nursing after Pearl Harbor, when my father enlisted.  Even in her nineties, my mother’s eyes would turn hard as she repeated that she could never forgive him for leaving. At thirty, with two children, he might have been deferred. In fact, the war did mark him and us for the rest of our lives.

Early on, even before he was first posted to Alaska, he stopped eating. My mother was summoned, and we went to to visit him in a Vancouver hospital. In some gloomy Kodak prints, we are sitting on a porch, my father rail-thin in his dark uniform, and my mother, also thin, clearly trying to look cheerful. She did get him to eat again, so that he could be sent back to the war, in Australia, New Guinea, and the Philippines, where he contracted malaria.

Meanwhile, behind our cottage in Santa Cruz, California, my mother planted a victory garden full of zucchini, chard, beans, and tomatoes. Neighbors to the west sometimes sent my dimpled little brother home with his overalls stuffed with fresh corn and secured around his ankles, while I steamed with jealousy. The other neighbors were friendly but a bit odd. Mrs. Fertig was a health food convert  and often suggested to my dubious mother common weeds that would be nourishing and delicious in a salad.

My mother had taped a large pastel map to the living room wall, moving a colored pin to show where our father was stationed. During the years he was overseas, what I could remember of him mainly was the harsh wool of his uniform, its smell and feel.

One balmy Santa Cruz night, we were allowed to stay up late. Our father was coming home. Finally the screen door creaked, and there he was, hugging us all tight against his scratchy wool uniform. He’d brought us two glass animals filled with tiny candies. Of course I immediately coveted Bill’s puppy and despised my kitten.
Eventually  he opened his foot locker and pulled out, well, booty, from Japan—silk kimonos, platform sandals, inlaid chopsticks, and, I think, a sword.
In the months just after his return, we spent day after day at the beach.  Every day after school, he would read to me tirelessly, mostly from the Oz books, as if making up for the years lost in the war.

After the war, when my father found a job as a resident engineer with the state highway department, we moved back to Santa Cruz, where much post-war construction was underway, asphalt beginning to cover the state. Occasionally we stopped by to see him on a site, where he usually worked out of a trailer on a hot and dusty roadbed carved out of a slope by big orange machines.

Before the war he had been studying journalism at San Jose State, but the Depression—and probably drink—had driven him out of school and into a job as a surveyor for the highway department. After the war, he needed to support his family, and a civil engineering degree had seemed a safe choice. California highways and car ownership were expanding virally. Through the years he never seemed to take any pleasure or pride in his work, and I could see why.

On our last birthdays our daughter gifted me and her father with DNA test kits. This seemed an opportunity to confirm or deny the existence of my father’s Indian ancestry —and on my mother’s side, there was a mysterious Hungarian great-grandfather who might have been a gypsy or a Jew.

The disappointing results had only one, to me rather surprising ramification. The test showed it to be extremely likely that I had ancestors among the first colonial settlers of New England. Thus I could probably qualify for membership in the D.A.R. (Daughters of the American Revolution) a historically racist group that has spent many decades trying to improve its image.
At least the colonial New England connection fits with General Eugene Carr’s forbears. And I suppose it was obvious why his military nickname was the Black-bearded Cossack.

Changing Banks in the Ides of August

By now, you too may have concluded that Wells Fargo—or another unscrupulous megabank— should not be left alone with your money. Wells Fargo’s latest scandal involves some 570,000 customers with car loans. The poor souls were saddled with insurance that they neither needed nor in some cases even knew about. The extra costs meant borrowers fell behind in their payments and in some 20,000 cases, their cars were repossessed. Yes, lawsuits are underway, damages will be paid, and Wells Fargo shares are down. But have you checked your own megabank’s sales practices, its stakes in oil and gas versus renewable energy, its board members’ and CEO salaries? Try it.

So you have decided, reluctantly, that enough is enough? You agree that controlling the use of our money is one of the few positive actions we can take in this deranged world?

The doldrums of August are not a bad time to act, or at least to contemplate the prospect. And here are a few suggestions for making the break, from my own experience and of course from the internet.

1– Locate a new bank or credit union, one that does not invest your money in fossil fuels or engage in sleazy, not to mention criminal business practices, but does offer the basic banking services you need.
You can get information on ethical, community-oriented U.S. banks and credit unions here: https//www.greenamerica.org/break-up-with-your-mega-bank
Ethics aside, U.S. banks’ financial soundness can be checked at http://www.bankrate.com/rates/safe-sound/bank-ratings-search.as
In California, we can recommend Beneficial State Bank and Mechanics Bank.

2–Moving to a smaller bank or credit union may require some sacrifices.There may not be a branch in your neighborhood. If there is, there may not be a bright-eyed, sharply-dressed young person to greet you at the entrance and help you to find your way, somehow, to a teller or the ATM.
With minimal overhead, smaller banks and credit unions can often offer lower fees and higher interest rates for savings. And if you decide to join a credit union, you will also become a voting member, with shares, not a customer.
Every bank, regardless of size, is insured through FDIC (Federal Deposit Insurance Corporation.) Credit unions have the same backing, ($250,000) through the NCUA (National Credit Union Association).

3–Open a new account in the institution you have chosen, with a deposit well above your new bank’s minimum, to avoid service charges.

4–Cease activity involving your old mega-bank. Stop writing checks; don’t use your debit card. Use cash and checks from your new account.

5– Re-setting all your automatic payments is really a drag, but it’s well worth the long-term peace of mind. Figure out which ones were set up through the company you’re paying, and which were set up through your old bank’s Bill Pay system. Make a list of all payments that are automatically debited from your account–utilities, mortgage, credit card payments, monthly donations.
Be sure to set up the proper online payments through your new bank, and change the account information for payments automatically debited by companies. Last, but not least, change your banking information in any other online payment systems you have set up, from Paypal to newspaper subscriptions.

6–Reroute your direct deposits, from paychecks, pensions, and Social Security. This is surprisingly simple and swifter than might be expected. You will need to have ready your new bank account’s routing number (you know, on the bottom left side of a check) and your account number (just to the right of the routing number.)
Your employer should have an easy form you can fill out to change your direct deposit information. This usually can be done by the next pay cycle, but make sure to ask how long it will take to process. For Social Security changes, go to https://www.ssa.gov/deposit where, if you are already receiving benefits, you can open a Social Security account and start or change Direct Deposit online.

7–Take one last look to make sure everything in your old bank account has cleared. If you have no outstanding payments or credits, make a trip to the bank and close your account. Call the bank ahead of time to set up a meeting with a banker. Explain why you are leaving his/her bank, and, for maximum impact, bring a letter that can be passed up to higher management.

8–Transfer remaining funds from your old checking account into your new account. You can do this electronically or with a cashier’s check. We did it with personal checks, which is easier and cheaper, but not as immediate. Once the transfer clears your new account, close the old one. Get written confirmation that the account has been closed.

*** Once you’ve left your greedy megabank, do consider replacing your credit card, issued by some other big bank such as Citi, Bank of America–or Wells Fargo. With each charge you are helping finance destructive pipelines, fracking, tar sands, predatory lending, fraudulent foreclosure practices, and famously outrageous CEO bonuses. Why not instead support investment in a clean environment, local and green businesses, fair housing loans, and more, by using a green credit card http://www.greenhttps://america.org/take-charge-your-card.

They breathe profits; they eat the interest on money. If they don’t get it they die… It is a sad thing, but it is so. It is just so.”

― John Steinbeck, The Grapes of Wrath

Lions, zebras, attack stagecoach

“Elizabeth Warren was not nearly as polite as I was…”

In February I posted an open letter to Timothy Sloan, the avowedly reformist CEO at Wells Fargo, regarding his company’s regrettable sales practices and its retrograde investments in fossil fuels, and our plan to divest ourselves of ties with his bank.

In April, Mr. Sloan himself published an open letter, listing the many ways in which Wells Fargo had been “ acting to regain its customers’ trust” after last year’s nasty scandals. No, of course he didn’t mention my letter, or many others he must have received.  ( Nor did he mention his good works with the Boy Scouts of America, who have had their own image difficulties in recent years.)

Bouy Scouts of America 9th Annual Business Leaders' Breakfast

Center, Timothy J. Sloan, Greater Los Angeles’s Boy Scout Leader of the Year

My letter had circulated in the social media, while Mr. Sloan’s was a full-page ad in national newspapers.  At the time, Mr. Sloan and the head of the Wells Fargo board purchased a total of $5 million of their company’s stock in a handsome display of good faith.

Meanwhile, lacking this good faith, my husband and I began laboriously to transfer our accounts out of Wells Fargo to more socially responsible banks.  At least a few of my readers and friends said they were doing the same.

When the Wells Fargo fake- accounts scandal first erupted in 2016, it had mattered less to us than the bank’s short-sighted investments in oil pipelines and other destructive fossil fuel projects.

Later, in October 2016, the New York Times reported at some length how employees at various Wells Fargo branches had preyed upon the most vulnerable individuals—immigrants with little English, older adults with failing memories, students opening their first accounts.

According to Kevin Pham, a former Wells Fargo employee in San Jose, California, “It was like lions hunting zebras.”  Pham mounted a Facebook campaign to hold Wells Fargo accountable.  He scored 50,000 “shares”.

While there had reportedly been no systematic targeting of vulnerable groups, demographic patterns sometimes emerged, such as Native Americans near Phoenix, looking for a safe place to stow their quarterly distribution checks and being set up with several unnecessary accounts per capita. There were other cases, and dispiriting details.

The bank has been trying to channel new lawsuits away from the two million fake-accounts scandal, by moving them into private arbitration. We just received such a mediation offer and ignored it, having already closed the gratuitous account and shredded the card. Other customers, however, are indeed pursuing litigation.

Meanwhile, the revelations continue.  Recently several plaintiffs have claimed that Wells Fargo changed the mortgage terms of bankrupt borrowers without their knowledge, much less their consent.  Generally the changes meant smaller payments over longer time periods—but with immense finance charges accruing to the bank.  As the New York Times reported in June, in its best imitation-tabloid style, “Wells Fargo, the $270 billion California- based lender, is driving its stagecoach further into the mud.”

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Also in June, Senator Elizabeth Warren sent a letter, this one to Federal Reserve Board chair Janet Yellen, demanding the removal of twelve Wells Fargo board members who had been present and passive during the years when bank employees were setting up the infamous two million fake accounts. While 5300 lower-level employees were fired as a result of the scandal, $185 million fines had been paid, and the CEO sacked, the original Wells Fargo board members had remained in place, drawing their annual average base salary of $187,000— with bonus and additional compensation, $319,000.  (An average Wells Fargo “personal banker” makes $37,000, a teller, $25,000. Why would one use “K” to signify all those thousands?)

Wells Fargo had been cited earlier for poor loan-servicing and foreclosure practices.  In 2012 it was among the five lenders agreeing to a $25 billion settlement with the federal government and 49 states, to rectify these “poor” practices.  In 2015 it settled $1.2 billion against claims of reckless lending under a Federal Housing Administration program.

Elizabeth Warren’s letter was not nearly as polite as mine, which may be why a super-pac has promised $10 million to “Deal Her Out” of re-election in 2018.

Meanwhile, it’s taken months to find what we hope are ethically (and fiscally) sound financial institutions, and to complete the tedious maneuvers of rerouting into new accounts our network of monthly payments to utilities, college funds, subscriptions, charities.  Rerouting our monthly deposits was the easy part.

Why are we doing this, when we could be using more time to address climate change or health care, or at least to haranguing our legislators?  Here’s the thing:  our votes and our protests often seem more self-righteous than effective because they originate in the bright blue state of California.  Our state is viewed quite negatively, it is clear, by the present Potus and his cronies—and with good reason, we hope.

Choosing not only where we spend our money, but where we keep it and who uses it, seems valuable leverage just now, in this thoroughly unhinged capitalist democracy.

To be continued, for better and for worse.

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THE GOOD NEWS!

THE GOOD NEWS!! Where to begin? Simply typing that unlikely heading suddenly turned my screen deeply black—tracked with tiny white letters like tearstains.   Anna, a Google emergency chatter, rescued me.  I decided to persevere.  Anna had promised to stand by in case the Dark Side returned. Though the Comey imbroglio doesn’t qualify as Good News … Continue reading

Doomsday Clock and Related Last Things

Originally posted on frances smith starn:
January 2015 ? The Doomsday Clock, a simplistic concept created by a posse of guilt-riddled scientists, now allows just three minutes until midnight and the end of the world as we know it. The apocalyptic clock first appeared on the cover of the 1947 Bulletin of the Atomic Scientists, established by…