Coffee and Reading

This is a POCBOOKS Update Moment about Coffee and Reading!

Have you read:

Life & Times of Baby Lucas: “I’m Alive”

James’ Fundamental Reading Commentary Part 1

Who Are The Colesmiths? – Product of Culture Book I

Coffee and Reading
Perceptive Readers Podcast

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They were Singing

POCBOOKS Update Moment -They Were Singing

The visitors today came by home with a little song! What in the world could be so happy during a snow or slow day? Let’s take a few moments to discuss it!

They were Singing
POCBOOKS Update Moment

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Being Perceptive Gives Clear Perception

POCBOOKS Update Moment – Being Perceptive Gives Clear Perception. Lets get right into why we must train our thinking ability to be perceptive.These thoughts are taken from the Article: A Perceptive Intent for You

Being Perceptive Gives Clear Perception
POCBOOKS Update Moment

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A Perceptive Intent for You

Perceptive reading and listening is acquired through daily practice. Most assuredly, when you are reading a subject that brings pleasure, and is your “cup of tea,” as the expression goes, it’s easier to discern hidden treasures while looking in on that subject or topic.

Is Perceptive Reading Needed Before Perception?

The perceptive meaning is not the same as perception (an idea, a belief or an image you have as a result of how you see or understand something) .

Perceptive: Is having or showing the ability to see or understand things quickly, especially things that are not obvious.

Oxford Learner’s Dictionaries

Now when your reading involves a topic that has never been a serious interest or motivation, important points are often overlooked, even though they would open an in-depth angle to mentally grasp the information.

The Perceptive Desire and Intention Yields Results

For example, you have people who read books on flowers, while others love reading about cars. Imagine for a moment when they switch books with one another, how much will each learn or grasp the topic?

The person who loves flowers reads the car book slower and gets less on the subject.

While reading about flowers: The person who loves plants will unearth and grasp more insightful points reading the flower book than the car book.

The person who loves cars reads the flower book slower and gets less on the subject.

While reading about cars: The person sees not only how things work but also the imagination becomes active on how to make it even better. Cosmetically as well. Have you seen teenagers with their first souped up car? (Reference 1950s to 1990s car pictures)

When you already love a subject, your perception of it becomes even closer/clearer to the mark or bulls-eye right because of the sincere intent and efforts. ‘My dear Watson you are indubitable correct’

Take a listen at these following 4 podcasts locations and find a topic you are interested in to the point of having an in-depth understanding as well. Maybe even to the point of talking about it further with others

Perceptive Readers Podcast Selections

  1. What You Do With Knowledge Part 1
  2. There is a Reason Recital Raven Poetry
  3. Reading on Snow In Day
  4. Art and Music Journey Perceptive Readers 4u

1 Life and Times Baby Lucas

  1. Baby Lucas Narration Perceptive Readers

Part 1 Life and Times of Baby Lucas A Narrator’s View


Lucas is your average baby, or is he? His adventures will cause you to use the mind and excite the heart! This book is designed to be read in a parental setting to a child. Are you a mother or father? Even babysitters will want to read this book. With perfect timing, you are here for the beginning of Lucas’ life as he gets familiar with his friends and environment.

1 Life and Times Baby Lucas
Perceptive Readers Podcast

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Support Artist Here is How

Welcome to this pocbooks update moment commentary based on Gaby Lopez ( Social Media Manager) Research and Experience.

Support your favorite musicians and artists. Here is How

Link to research here

Support Artist Here is How
POCBOOKS Update Moment

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Reading on Snow In Day

POCBOOKS Update Moment Reading on Snow (Inside) Day

Here is a great way to put your snow in day to use!

Be sure to keep your immune systems built up with fruits, vegetables, and vitamin C whether the days are cold or warm this month. Have a wonderful day.

Reading on Snow In Day
POCBOOKS Update Moment

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6.24 Billion Visa and Mastercard Class Action Settlement

6.24 Billion Visa and Mastercard Class Action Settlement.

This Article was repaired or refurbished on March 10, 2020. It was originally posted on April 17, 2019 Check the site for verification of online presence.

Dear Perceptive Readers, This is going to be as succinct an article, as possible by me, for you professionals who want to understand the Visa and Mastercard Action Settlement. You may also want to register this as ethical business practices as well.

These 4 questions will be covered

What is a Class Action Settlement?
Did Visa and MasterCard break any laws?
Were you cheated or your rights violated?
Where can you find out more on how to proceed?
Read This Section on Ethics

To prepare your perceptive mind to make a balance decision on this business matter, read and listen to Ethics A and Ethics B

Ethics A) “Ethics: The field of ethics (or moral philosophy) involves systematizing, defending, and recommending concepts of right and wrong behavior. Philosophers today usually divide ethical theories into three general subject areas: metaethics, normative ethics, and applied ethics. Metaethics investigates where our ethical principles come from, and what they mean. Are they merely social inventions? Do they involve more than expressions of our individual emotions? Metaethical answers to these questions focus on the issues of universal truths, the will of God, the role of reason in ethical judgments, and the meaning of ethical terms themselves.” –

Ethics B) Do you Understand Communication Ethics Principles? (Video)


6.24 Billion Visa and Mastercard Class Action Settlement

This is a proposed $5.54–$6.24 billion settlement to provide payments to merchants who accepted Visa and Mastercard at any time from January 1, 2004.

1) What is a Class Action Settlement?

A class action is a procedural device that permits one or more plaintiffs to file and prosecute a lawsuit on behalf of a larger group, or “class”. – Cornell Law School –

Just One Example: You own a business, as the innocent plaintiff, that has been hurt by another company’s business practices that violated/broke the law, now the defendant, in their dealings/transactions with you. Your fellow merchants, whether in the same location or country-wide experienced the same treatment.

This is what your experience/complaint results in: “ In a class action, people or businesses sue not only for themselves, but also on behalf of other people or businesses with similar legal claims and interests. Together all of these people or businesses with similar claims and interests form a class, and are class members.”

2) Did Visa and Mastercard break any laws?

This lawsuit is principally about the interchange fees attributable to merchants that accepted Visa or Mastercard credit or debit cards between January 1, 2004 and January 25, 2019, and Visa’s and Mastercard’s rules for merchants that have accepted those cards.

The Rule 23(b)(3) Class Plaintiffs claim that…

3) Were you cheated or your rights violated?

Rule 23(b)(3) Class Plaintiffs claim that Visa & Master Card its respective member banks, including the Bank Defendants violated the law(s) by carrying out the following practice(s):

Violated the law because they set interchange fees.

*They imposed and enforced rules that limited merchants from steering their customers to other payment methods. (E.g no-surcharge rules, no-discounting rules, honor-all-cards rules)

*Conspired together about some of the business practices challenged
• They continued in those activities despite the fact that Visa changed its corporate structure and became a publicly owned corporation after this case was filed.
• Conduct caused the merchants to pay excessive interchange fees
“The Defendants say they have done nothing wrong. They claim their business practices are legal, justified, the result of independent competition and have benefitted merchants and consumers.”
4) Where can you find out more on how to proceed?
Current Status
On January 24, 2019 the Court granted preliminary approval to the settlement filed on September 18, 2018. The Order is available
How do I ask for money from this settlement?
You must file a valid claim to get money from this Settlement. If the Court finally approves the settlement, and you do not exclude yourself from the Rule 23(b)(3) Settlement Class, you will receive a claim form in the mail or by email. If you do not receive a claim form and/or are not sure whether you are part of this settlement, contact the Class Administrator:
Call the toll-free number: 1-800-625-6440
Write to: Payment Card Interchange Fee Settlement, P.O. Box 2530, Portland, OR 97208-2530
Email: [email protected]
Concluding Information
This information is provided to you as an FYI. I very much realize how intelligent you readers are here. Yet, as has been stated, at times the thoroughness of documents made for taxes, court cases, and contracts can be a bit overwhelming for the best of us. Especially with people who have the creative mindset. Though you create complex music and art in general, you like to keep things simple, clean, and honest when it comes to business and professional matters. In general, most people wish such things of this nature could be so simple. All the same, this information is not to tell you what to do, but give you some idea on what it is about. – Regards, J.


Sage in a Matrix Introduction

Sage in a Matrix, Professional in a Matrix

This Article was repaired or refurbished on February Mar 2, 2020. It was originally posted on April 24, 2019 Check the site for verification of online presence.

Sage In A Matrix

What? The world doesn’t work like that!
Have you ever been told, maybe by a person showing some frustration, the statement above?

Do you remember the thought or action you took in order for the friend or acquaintance to comment through his mind’s eye on the perceived inexperienced on your part?

You are not alone. Childhood is a time where we do a lot of learning along with commendation when we do right; and correction when we do wrong. Thus, by the time we grow into our young adult phase, we have seen the benefit of listening to our parent(s) experience in a large array of matters.

Then, months or years later, depending on your background and culture, you are told something that you’ve seen works, “does not work here”. It can be disconcerting to say the least.

It worked for your parents. Why is there a problem now?
You see, the above experience could possibly be one of those times when you have to take the contradictory statement with a “grain of salt.”

“But how will I know?”

That is such an important question you ask.

The purpose of this series is to answer such questions about professionalism and some business matters. This series is titled SAGE in a Matrix for the following reasons:

  • A sage is as a wise person. A philosopher loves knowledge but may still not know how to apply the general knowledge on one, or a host of subjects. Some sure love to talk about these topics though with a smile; as they soak in the knowledge of Einstein.

For example, your parents will have taught you tried and proven application of specific topics in your environment with a sage’s skill. Yes, a skill you learned, no; made a part of you in honor and trust. You saw it works.

Now the person who just referenced your experience as naive can cause you to make a self assessment.

Does this person know what they are talking about or are they philosophizing?

There are times your professional career will hinge on being able to tell the difference.

  • This brings us to the term “A MATRIX. “

“A” meaning there is more than one “matrix,” or containment of backgrounds and cultures. You will find communication and professionalism exhibited in different ways with honor and trust. Though it requires extra effort, the key to success could be someone possessing sage like experience.

This series will talk about the fundamentals of contracts, standard operating procedures, and the ethics involved in the decision-making process. At times, you will hear me reference a spiritual Bible quote. Why? Because it is, as we say, part of me. And it is with such knowledge that has stimulated my thinking and reasoning over the years to maneuver through this world’s matrix.

In my experience, I have found most people are spiritual, spiritualistic, or both.


Well more on that subject in later chapters. Just how does it affect us in professional interactions? Or does it not affect us at all?

I will not be using any “blue language” as old timers used to say in this series; all the same, you will at times laugh at my wonderful, well-timed, witty, over the top, humor! While at other times, you may give me that look, “Oh, no he didn’t!” And my reply, “Yes, I did.”
But at the end of the day, you will be just fine. Just take an aspirin and call mother or a friend in the morning.

Keep this in mind. I’m not claiming to be a perfect sage (Adjectives: wise, sapient, judicious, prudent, sensible, sane mean having or showing sound judgment.), but I assure you I have known and worked with some of them in my life. In the next chapter, I will share some of my applicable skills and experience for a point of reference.

This way when I state something that makes you say “no he didn’t”, you can have confidence that I am able to offer context proof of why it is so. I do my utmost best not to be philosophizing over serious matters that will be life changing to you. I’m just sharing techniques and experience that can help you Perceptive Readers at least in one way, if not more. Ask some of the past highschool students who graduated with 4.0 GPA as readers of this website. Of course, they made those grades on their own.

I’m just sharing you are in cerebral (thinking) company as we say.

As it is, though, the choice is always yours to make in a matrix.

Sage in a Matrix Book Cover Sage in a Matrix Intro

The Product of Culture Website

The Product of Culture (POCBOOKS)Website; Much More Than Books Where the writings, professionals, artists, and musicians featured here are more than meets the eye and ear for perceptive tips, recreation, and music! This website also has a collection of digital and audio books.