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J. P. Morgan Chase Bank – institutional Racism?

Tuesday, July 19th, 2022

Chase Bank recently came to Boston and set up offices around the area. They organized and internalized what they needed to succeed in this New England area. That includes internalizing the extreme racism of the area.

What is it like to be African American in these United States? We talk about addressing racism and wanting to eliminate it in this country. In fact, most of the people I know could not survive without their wrap of “better than” which helps them get up in the mornings and get through their day.

Keep reading and you will understand the day to day horribleness of being African American in the United States. For this article, in the New England area. Everyone dumps because they need to feel “better than”. After the dumping comes the denials. You – African American Male and/or Female – are not supposed to understand that system. If you do, you should keep your mouth shut because the only thing that will come of speaking up – speaking out – asking for change – demanding change when the ask is ignored and you are being viciously treated, is more horribleness.

Chase, in the deep south, was our bank. We used other banks in New England before Chase moved in and had horrible experiences. We came to Chase because we decided to go where we were known – into the deep south – and open our accounts in that part of the world. We were doing business there so we were able to open bank accounts there.

All of the banking problems we were experiencing in New England stopped when we took our banking business down south. We had a reprieve of a decade or more until Chase Bank decided to open branches in this New England area.

All the problems plus a few more, which initially caused us to take our banking to our old home town, re-surfaced when Chase moved into New England.

This article outlines one of the problems. Articles which follow will outline others – “Banking while Black” should be the title of this series.

Chase Bank, for whatever reason, stopped sending us our monthly corporate bank statements with copies of cancelled checks. That service was supposed to be a normal part of the banking relationship.

They stopped sending us statements for 2 1/2 years.

We called and called and the response was always the same – when you give us a new address that shows you moved, we will start sending your bank statements again.

Being persistent, we went back and forth for months trying to get our corporate bank statements. Finally, we filed a complaint with the Banking Commissioner. They notified Chase of the complaint and told them to send our statements from the month they stopped to the current month.

Chase did the minimum. They sent the statements without copies of the cancelled checks, which we needed for our corporate records. After several calls and another complaint to the Banking Commission we finally received the complete corporate statements which we should have been receiving over the past 2 1/2 years.

We spent lots of time trying to get these statements. We lost a lot. I could go on for another page about the damages, but you can imagine that part. Chase’s response – not even an apology. No one could find a reason as to why this happened. It struck me that we live in a neighborhood which has been redlined for decades. When the persons we spoke to trying to get our statements sent to us all said “when you send us a new address we will start sending your statements again”. That resonated on a very racist level. That is the kind of ‘policy’ which resonates in the deep south, but this is New England.

Of course, the bank person who responded to us first read a statement which said in affect “Chase does not discriminate on any level for any reason.” We laughed about that because it was so ridiculous.

Institutional racism plagues corporate America. To read such a statement and make such a blatant claim and to expect us to believe that was beyond ridiculous. It was mean, evil and meant to maintain institutional racism. If they are so perfect and do not discriminate then anyone who makes a complaint has lost before the ink on the complaint is dry. It is the ultimate denial. It says – to paraphrase – don’t tell us about the claimed discrimination you think you experienced because we will not address it we are perfect in that respect and this statement attests to that fact.

What is institutional racism? One definition is – there is personal racism experienced by minorities from someone white who feels better than. If that person does the discriminating within a bank from the perch of their job it is still personal racism. When a complaint is made and there has been discrimination and the institution backs its employees instead of addressing the discrimination – that makes it racism with the institution responsible – a form of institutional racism. There is more to the definition than that, however, that is one part of it.

That is one incident. There are many more. Too many for your emotions to take in one reading. We will add the rest one at a time as the Bettina Network journal goes out.

………An Elegant Historical House for Sale!

Saturday, April 2nd, 2022
Every corner of this home bespeaks elegance, history, beauty and invites you to stay awhile. Across the street is a park; two door down on the same side of the street is another park and look out the windows, you will see the Charles River!

49 Hawthorn Street – Cambridge, MA. 02138 – $5,800,000.

What follows, under “House for Sale” describes a house which we would like to bring to your attention.  We hope you will consider buying the house – either for yourself, your family or for one of your favorite institutions and/or charities.

A kitchen for those who actually cook with room for everything – your utensils, pots, spices and so much more. Many fantastic meals have come out of this kitchen.

     The house we are describing was designed and built by an MIT graduate in 1900.  She was one of MIT’s  first female architectural students..  Her papers are in the MIT Library.  She is Lois Lily Howe with her own architectural firm and all the architects working with her were women.  Such a history in today’s climate makes quite a statement.

This particular house – at 49 Hawthorn Street – is the only Howe designed house in this area in which the interior has not been stripped and re-built taking away all of the historical design. The only room that needs to be brought back to its original design is the kitchen. It is wonderful as it is, however, to bring it back to Ms. Howe’s design would be special.

A fantastic welcome as the front door is opened to you and/or your guests. It speaks of the elegance which shows up all around the house – from French to Spanish to English to African to South American touches making it an escapee from Old New Orleans.

Marceline and Robert have lived in this house for 40 years and love every corner.  Being people who love history (Near Eastern History was the subject of Robert’s Harvard Doctoral thesis) and with Marceline’s educational background in the School of Architecture under Ralph Rapson, they have totally enjoyed living in this house and discovered much in the process. Selling it under duress they want to know it is in the hands of people who would continue in that design preservation route. The area has a penchant for taking beautiful culturally diverse homes and turning them all into a Northern European Scandinavian aesthetic. They look as though they were all designed in the Ikea Showrooms. So sad! There is nothing wrong with the Ikea Designs, however, what is wrong is making them the ultimate, cultural, design touch stone. This house escaped that “remodel”.

Ms. Howe built the house for William Augustus Maynadier – a Harvard Professor who taught “Arthurian Legend.”- the story of King Arthur and the Round Table.  It was a required course for all Harvard men. There were no Harvard women in those days.

Being very strong feminists, the Donaldson/Bennetts found that Harvard/MIT combination quite special.  While “feminist” was not a term in her day, Ms. Howe clearly was a feminist as we know the term today, stepping out into the world of Architecture the way she did.  Prof. Maynadier would be known as an extreme sexist today. He was teaching a class which laid the ground work for the very horrible sexism which most 20th century women have had to deal.  And yet, he hired Ms. Lois Lily Howe to build his house.

Arthurian Legend – King Arthur and the Round Table – was a way of teaching men how to treat women in that “on the pedestal and out of the equality” area.  The necessity of opening doors and standing on the side as she entered the room and etc. for this weaker sex is what was being taught, although not so specifically – it was wrapped in the Arthurian Legend.  All the things women have fought to have removed for decades so they could be treated as equals is what Prof. Maynadier’s class was about.  It was totally accepted at the time. Most people don’t know that this originated at Harvard.  It was in the general world population at the time, but not to the extent that it became entrenched with Prof. Maynadier at 49 Hawthorn Street.

It was interesting to us that Prof. Maynadier chose Ms. Howe to design and build his home. – which he used to live in and invite paying guests to stay with him.  The house has had that use throughout its 100 plus years of existence.  It hosted seminars, class sessions, teas and many famous and not so famous people, still while serving as a very private home.  

One of four bathrooms in this home – designed with jacuzzi, steam/shower room and separate enclosed toilet. The plumber calls it a “no bad smells” bathroom.

The Donaldson-Bennetts used their home to have what today are called bed & breakfast guests and to build the first network of such private homes working their way across the country and turning a national and an international network of bed and breakfast homes into a commonly known and accepted concept. This house was the beacon.  Besides this house, they had homes also in Thailand, England, France and more.

The guys who founded Airbnb stayed with them before those three even thought of such a company.  They were sent by Venture Capitalists – particularly the Capital Network in Cambridge – who wanted to fund such a venture, but not one designed, created and being grown by African Americans.  So they helped themselves to the Bettina Network, Inc’s business plan and everything else they could find to help them get the same kind of venture off the ground.  They sent people to offer their homes to join the Bettina Network, inc. but were really only interested in the process of how that was done – just as they hacked into and used Craig’s List to get their initial clients. The Donaldsons’ believe that when their web site was stolen, locked and offered back to them for enormous sums of money – it had to do with the genesis of Airbnb, although that was not known at the time as Airbnb was just forming.

While the Donaldson/Bennett’s lived and are living in the Lois Lily Howe house, Harvard sent many guests to stay with them, as did MIT, Tufts, Boston University, Boston College and more.  Several admin people called regularly to make reservations for guests visiting Harvard and other Universities in the area as well as private corporations calling for guests to whom they wanted to give privacy.. Everyone who stayed loved their time in the house and totally were taken by its history stories and general feeling.

Many institutions and corporations used the house when guests were visiting who they wanted to have privacy without being worried that their guests would be stalked in the lobby of the hotels to pick up information that could be used for media articles. They also liked the fact that guests wouldn’t need so many levels of security when they came to Boston.  Guests included such as Ambassador Victor Israelian, the Prime Minister of the Netherlands, top management from the State Department, many of the USA’s top families, many scientists – mostly physicists – who loved the quiet and privacy of the house where they could enjoy the patio where squirrels and birds would visit them as they worked on the back porch.

If you have questions, please don’t hesitate to call.  If you or someone you recommend would like to see the house, we are available at their or your convenience.

Call Marceline Donaldson – 617 497 9166 or email bettinanetwork@comcast.net putting 49 Hawthorn St in the subject line.

What follows is a fuller description of the house as it appears in different publications.

                              HOUSE FOR SALE – Cambridge, MA. 02138

“Marceline and Robert are selling their home.  If you don’t want to buy it, please pass this along to those you know who might be interested and/or know someone who would love to step into their shoes.  As a private home or as a home with a bit of  income so you can live there and do other things.  Income can be in the neighborhood of $1,080.00/night, not including income from events, etc..  

Marceline and Robert did a wonderful job and are now moving to New Orleans – which is where Marceline grew up.  They have not been able to survive the onslaught against them of the Commonwealth of Massachusetts and the way they treat minority elderly in what was and is an apparent attempt of a group within the state to relieve Jews, African Americans, Latinx and others of any wealth that could be passed on to the next generation. This is the new racism/bigotry that is replacing the separatism that followed slavery.

The house has been newly painted with, among other improvements, a new 75 gallon commercial water heater with a 20 year rating and lots of other elegant restorations which keep the historical design of the house as much as possible..  

It is one of the few homes in Cambridge, which gives you views of the Charles River from many of the bedroom windows and it overlooks the Riverbend Park on one side  with no other building blocking your view.  There is also a second park (the historical Longfellow Park) just two houses down on the same block and the same side of the street as Marceline and Robert’s house.  Fantastic and very unusually elegant to have so many parks within the same block the home in which one lives.  One of the only homes in the area with such and with a spectacular view.

You would have 9,000 square feet of living space in this house over five floors.  5,400 (apx.) finished into three floors of elegant historical living and 3,500 square feet (apx) of attic and basement which can be finished into fantastic living space.   

For a possible future use of the basement take a look at the basement of Harvard University’s Memorial Chapel’s basement.  

The attic could be refinished into an exquisite ballroom for entertaining with its 16 foot height (apx) at its apex with no beams going across to obstruct the wonderful height of this room.  The architect – Lois Lily Howe, in 1900 was one of the first, (she is credited with being the first), to be able to build such an attic.  Most attics are so clogged with structures to keep the roof from falling in on itself you do not have the breathtaking space one finds here.  This attic is a full floor.  Its footprint is that of the entire length and width of the house.  Just think of the elegant entertaining you could do in that attic.

Historically, guests came to events in such houses and went to the second floor living room to leave their coats, etc. and freshen up and then went up another floor or two to the tea, dinner, dance or etc. on the upper floors.  Today, we don’t have attics large enough for such events, especially not one replicating the footprint of the other floors of the house.

Lois Lily Howe was the architect.  Designed and built in approximately 1900, she was one of MIT’s first female graduates.  She established her own architectural firm and the architects she hired were women. 

In the process of designing and building this home,  Ms. Howe scrounged the area for homes being torn down which had historical touches and she brought that actual history into this house.  The mouldings are exquisite and are some 100 years older than the house. 

The history of this house includes a psychiatric history – Dr. Lydia Dawes, a well known psychiatrist of yore, was an owner for some 40 plus years before the Donaldson-Bennetts arrived and the house frequently  embraced many of her friends who were also famous guests.  Sigmund Freud’s daughter stayed often and worked with Dr. Dawes.  Together they produced one of the first psychiatric journals in the area from this house.  Many local psychiatrists remember a part of their training that happened on the couch by the living room window overlooking the magnolia tree.  So much history goes with this house both  within its structure and with the people who have passed through.  

Marceline and Robert have spent decades trying to preserve and create a garden worthy of Lois Lily Howe who ended her career and life as a landscape architect.

You may have heard of  the many outstanding and famous people who stayed under the Donaldson-Bennett’s roof during their time in the house because you were probably one of them.  You can now own this magnificent property so beautifully located. 

Want more information – call Marceline – 617 497 9166 or email us bettinanetwork@comcast.net

A Reader Submits A Response!

Monday, August 23rd, 2021

I have been reading what has and is happening to Rev. Dr. Bennett and his wife. I knew them well enough to say hello, but that is about all. What I saw of them and was most impressed by – they were always helping someone steady their lives and move on. It was not a big deal and never involved a lot of money, from what I could see. They used their friends, acquaintances and strangers to help another human being get their lives on a better track.

This article is my way of trying to help them. Sometimes helping others understand is the best you can give to one another.

I am a black journalist. Having worked in several places, including Boston, it struck me that what has been true of Massachusetts for generations is still true, only being done in a different way – and – the African Americans being negatively affected are different people. Shame has kept those I knew from fighting back, they just wanted to crawl into a hole someplace and be quiet. Rev. Bennett and his wife are putting everything happening to them out in public. Kudos! May it ever be so for everyone and so the system will buckle and break and racism will be a thing of the past.

My family was very negatively affected during their time living in the Greater Boston area. There was always something blocking them; something making their lives difficult. It wasn’t until they moved and were able to look back did they realize and understand who and what was attacking them – and they were being attacked.

As a young person I didn’t understand that. As I have grown older and seen much more of the world and learned of the history of that part of the country, understanding has helped me and has majorly helped my family.

Massachusetts – especially the Greater Boston area – was a part of the country that did not allow African Americans to migrate and live within its borders unless you came “in service”. In other words, unless you were of the ‘servant class.’ I do not say this to denigrate anyone, just to speak truth. That maintained in a very vicious way until my mother’s generation and then it changed. It did not go away, it just morphed to keep that part of institutional racism hidden and to keep up with the times.

One exception that began to be made over time was – if you were hired by Harvard University. The assumption was you would never reach the heights in that Massachusetts Society to threaten the need for New Englanders to feel their identity as part of a group which is greater than and above others.

Today, I am living in the south and it is a very different place. I used to turn my intellectual nose up at southerners, especially African Americans. My assumption was they were somehow intellectually inferior. That came from my New England upbringing.

Racism in Massachusetts is some of the vilest I have seen. Having lived many places, that is my experience.

If, as an African American, you achieve too much, the ‘powers that be’ begin to destroy your life. Either move out or be denigrated, destroyed, stripped of everything you have. It is a racism that is and has been very effective, especially since it is practiced by those pulling the strings and those who simply see someone being pulled down and decide to help because somehow that helps them – white, black, no matter – lots participate.

In my mother’s generation that began to change. There is one caveat. If you are African American and you are ambitious you have to have the traits that New England society deems necessary in its African American or you will be taken down.

I can see what has happened to Rev. Dr. Bennett and his wife. They were not “adopted by” the establishment. They are not willing participants in maintaining the status quo and being one of those willing to do their part of taking down and blocking the path of another African American.

I can hear the howls of protest as you read this. I thought long and hard before writing it, but someone has to stand up and speak truth. This is also much more difficult to write than I thought it would be. This is getting done painfully and pulling on my insides where some excruciating memories live.

My family moved out of the Boston area. They were not ready to adopt or adapt to White Male English Culture and so they didn’t fit and since they were quite intelligent, very well educated and entrepreneurial, they had to go or they would be destroyed. I saw what happened to them over a few years and there is a parallel to what is happening to the Bennett family.

My wish for the Bennett family is that they maintain their personal integrity and always continue to be who they are without making the decision to pick up the “yes ma’m and yes sir” style very prevalent among African Americans in the Greater Boston area. Those who have and are succeeding without blockages, if you notice, have a uniqueness about them. They will never accuse anyone of racism – even if true and needs to be said. They will never step out of a stereotype which makes whites comfortable. They will maintain as low key and invisible as they can and mostly they will polish their ability to make whites as comfortable around them as possible. Which translates to mean they will maintain on a level to make changes only when whites are ready for those changes and choose them to move ahead with the activity which creates those changes.

Even as a journalist, I don’t know how to end this. It has been extremely difficult to write because it is so personal and because I know how negatively it will be received. Sometimes you have to put lessons you have learned through your life out there without caring about how others react. Very rare in journalism, very rare for me.


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