The Importance of Banking Locally

I relocated my family from Seattle, WA to Austin, TX, in August of 2008. At that time, my bank accounts (personal and business) were with Bank of America.  The nice thing about this arrangement was the Bank of America branch right up the street from my new house.  This seemed like total win. That is until several things converged that made me re-evaluate this relationship.

If you recall, August of 2008 was the height of the financial crisis. As the banks were getting bailed out by taxpayers, they were simultaneously cutting off access to credit for their customers. I had a number of credit lines that were paid off but would have provided a lifeline should the need ever arise. Well that lifeline was withdrawn arbitrarily by several banks including BOA.

The second thing that happened was my move to Austin where a number of stores participated in an initiative called GO LOCAL. The idea behind GO LOCAL was that monies spent with local businesses.stayed in the communities where they were spent. This made total sense. Wherever possible I did my best to shop at local stores and restaurants (not chains).

The last straw was the total lack of customer service with the local branch of BOA. Every week or so I would show up, in person, to deposit checks into my account. Every time I went in I was treated like a complete stranger vs a valued customer. Now I get that as a person new to that branch it might take some time to become familiar with me and my small company. Well this familiarity was never achieved.  Almost every time I was at the store I banked with THE SAME PERSON. This person NEVER even hinted at a sign of recognition. This was over a period of 6 or more months.

It was this total lack of disregard that made me act. I decided that the best thing to do was to GO LOCAL. I would open new personal and business accounts with a local institution. In this case it was UFCU (University Federal Credit Union) which, lucky for me was located right around the corner from my house too.

I was NOT looking forward to the task of moving numerous auto draft transactions attached to my current bank accounts.  This included payroll, credit cards, house payments, utilities, etc. How would I do this with as little disruption as possible. My strategy was turned out to be simple: keep my old accounts open while I move everything to the new accounts.  I started by examining each bank statement and seeing what vendors were being paid from my accounts. I opened each vendor’s respective site and changed the auto billing information. This took a few months as some bills were not monthly. After a few months I left a reasonable amount in each account, you know, just in case 😊

Now you might have a few concerns about banking with small local banks. For example you may thing: the small banks do not have all of the conveniences of the big banks. I have a one-word answer to this concern: BLAHBLAH :),

These small banks have access to the same technology as the big banks and in many cases are much more efficient at deploying it. For instance, we have purchased several cars using our credit union. The way they do this is unique. They give us a “blank check” that we take to the car dealer and purchase our car. This is not technically a blank check, but a check that with a limit up to the max amount we were approved to finance.  When we finished our negotiations to purchase our vehicles, we fill in the amount of the purchase and sign the check. A few days later, after the car dealer cashes the check we get a call from the credit union and we sign the final contract for our loan. Oh, and this is all done via Docusign. This is a very cool experience and works well. The added benefit is that the interest paid on the loan is reasonable and STAYS IN THE COMMUNITY.

One added benefit is the RELATIONSHIP I have with my credit union. I know the people I bank with, and when I have issues, or need help they are there for me. And in the year 2020 this was especially true. As the Covid virus took over the world and caused a disruption to the economy (including my business) I heard about the Payroll Protection Program which would provide a two months of assistance in making payroll. I was LUCKY enough to secure one of these SBA PPP loans in the first round. I feel that this was due to the fact I had a relationship with my credit union and that they were agile enough to implement their loan program quickly. I have heard directly that some of the larger banks outsourced their work and failed to get the loans their customers really needed.

My credit union was the opposite. They treated their customers with respect and concern and helped secure these desperately needed loans. This isreally assuring and gives me confidence that my decision to bank locally was a good one.

Building a Simple C# Hashing Utility

One of the most interesting aspects of Cryptography is the ability to generate unique hash values from strings or files.

Wikipedia Defines Cryptographic as follows:

A cryptographic hash function is a hash function that is suitable for use in cryptography. It is a mathematical algorithm that maps data of arbitrary size to a bit string of a fixed size and is a one-way function, that is, a function which is practically infeasible to invert

The most common use of hashes is to store hashed (vs plain text) values of passwords in databases.

Another use case of hashes is to detect changes to files. A few years back we built a script runner that would only run new or changed files from a given scripts folder. The basic algorithm for this was:

1) Read all file names from a folder.

2) Look for for a file same name with a .HASH extension.
    If .HASH file was missing:  
      a) Run the script file
      b) Create a new file with a .HASH extension. 
      c) Hash the script file and store the result in 
         the .HASH file

3) If the .HASH file already existed:
    a) Generate a hash value of the script file 
    b) Compare value the hash value stored in the .HASH file. 
    c) If they were the same we ignore the file. 
    d) If they were different Run the script, 
       re-generate the hash and store the results 
       in the .HASH file. 

The core of these processed is a little nugget of code I built up a few years back .I thought it would be good to share my hashing function with the world. The following code generates a SHA512 has for a given string. The code then takes the generated byte array converts it to a string:

public static string GenerateHash(string stringToHash)
  var crypt = new SHA512Managed();
  var hash = new StringBuilder();
  var crypto = crypt.ComputeHash(Encoding.UTF8.GetBytes(stringToHash), 0,

    foreach (var bit in crypto)

    return hash.ToString();

I built a little command line utility that implements this function and can generate a hash for a passed in string or file. You can find this utility on Github:

Description of SHA Hashing:

Adventures in Writing Part 2: The Amateur Years

My last post Adventured in Writing Part 1 talked about my experiences as a fledgling writer and how I published my 1st article. That experience was truly life affirming. Unfortunately, that was my 1st and last D&D related article. But this did happen:

Met Gary Gygax at a conference in Evansville, Indiana.

Not too long after the D&D article was published, my family moved to Bend Oregon where I registered at Central Oregon Community College. When I built my schedule, I took as many classes as possible that related to writing and publishing. Here’s my schedule (Yes, I have a lot of this crap in my binders)

I had every plan on becoming a full-time writer. As a matter of fact, one of my first papers for writing comp was called “Tales of a freelance writer”. Check out the red typewriter ink on this baby:

Term Paper For The Win!

During my tenure at C.O.C.C. I kept the dream of writing alive and the college newspaper became my outlet. I wrote few profiles of a couple of my instructors. Presented for your enjoyment: my profiles of Art Sanchez and Gene Taylor

Profile of Art Sanchez

One item I would like to note is that these two professors were in the Business Software track at the community college. I had changed my focus from becoming a writer to becoming a computer programmer. If you look at my schedule, you’ll see that in the 2nd and following semesters I took more and more technology programs. After a little more than 2 years I had succeeded in becoming a programmer. But what happened to my writing? Honestly my writing took a back seat to my coding. I had traded one passion for another.

After spending a few years as a programmer for a local vacation resort I set out for the big city: SEATTLE! After a brief stint working at CSC (Computer Sciences Corp), I went to work for a company called The Juiceman. You remember the Juiceman:

You know you’ve made it as a company when Jim Carry mocks your founder 😊 At the Juiceman I worked on a kick ass team where we toiled building innovative order entry, fulfillment and payment processing systems. For the time this was large scale application capable of supporting literally hundreds of users (LOL)

Our company was exploding at the seams and our team was in a race to keep up with the growth. One night we were deploying our software and things went horribly wrong. A conversion application we had written was seriously flawed and we had to roll back our deployment. This recovery was done with a partial backup I had miraculously created. It was not a planned backup, it was a lucky backup. After a very LONG night another LONG day after we managed to recover.

After some sorely needed rest we took time analyze what went wrong. I took copious notes. These notes rekindled something that had gone dormant: my desire to be a writer. “This could be a cool article” I thought to myself. But where to publish this article. In the next post I’ll talk about getting published professionally.

Adventures in Writing Part 1

A good friend of mine C. Robert Cargill  is a screen writer who spends a lot of his time on Twitter (@massawrym) mentoring writers. The biggest themes in his mentoring include: being disciplined and never giving up. I wanted to share my story to help emphasize theme of never giving up.

My story begins in the early 80’s. In the early 80’s I, like many other writers, discovered the game Dungeons & Dragon. I was a player and eventually became a dungeon master. As the mid 80’s rolled around I got deeper into the game and eventually started to go to D&D conventions that occurred throughout the Los Angeles area. Along with attending D&D conventions I felt the urge to write about the game I truly loved. I had a goal: I wanted to be published in either Dragon (the O.G. of D&D magazines) or Dungeon (a new magazine dedicated to short one adventures).

My first submission was an adventure for the new magazine called Dungeon: 

Here you can see my 1st submission being SOUNDLY REJECTED…

Being the ever diligent adventurer (writer) I didn’t give up. I started work almost immediately on my next article. This one would be for Dragon Magazine and had the title “Before First Level”. This one took a long time and I was proud of the work. When I was done I printed it on the good old dot-matrix printer in computer science class (APPLE IIe and submitted it to Dragon Magazine c/o TSR Hobbies.

It took forever to get a response. Oh no, it was another rejection…. But WAIT! This time the rejection letter had a NOTE. Check it out…

Yup I received praise from the Editor in Chief…. The one and only Roger Moore (no not James Bond) He said I had talent. WOW this was EXACTLY what I needed to hear. I persevered. While I waited to hear from Dragon Magazine, I became a member of the RPGA (Role Playing Gamers Association). The RPGA had a newsletter called Polyhedron.  Oh boy yet another place I could possibly get published….

I soon went to work putting together a submission for Polyhedron. My 1st article for Poly was called “Solutions to the Monty Haul” campaign.

I soon received a letter from Jean Rabe the editor in chief of Polyhedron. She rejected the article:

She also suggested I flesh out one of the threads in the article… I chose an idea related to taxes. I called it “The Role of Taxes” This one was put together on a typewriter and submitted to Polyhedron. Sometime later I received a note from Jean… CONGRATULATIONS we will be printing your article in a future issue of Polyhedron.

My 1st (non-professional) article was published in Issue #38 of Polyhedron. Here’s the table of contents with a shot of the cover and the text of the printed article..

This publication occurred in 1987 and it took me nearly 5 more years before I got paid to write. Now I didn’t stop writing I just had stuff like college take over a bit. In my next part I’ll talk about college and how I became a professional writer.