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I got an email the other day that I think really shows what is wrong with Genpo Roshi's Big Mind™ scam. With the writer's permission I'd like to share it with you:
Hello Brad,
Just wanted to say its nice to read your stuff and it was nice to read about opposing opinions on the issues of Big Mind™, whether it is right or wrong.
I have experienced Big Mind™ on two occasions, once in a small setting with close friends, and I must admit I enjoyed it and I agree I did have a wow kind of experience, experienced some trippy stuff, you could say experienced oneness of some sort.
My second time was on the island of Ameland and this time with Genpo Roshi on a nine-day retreat. Zen in the morning and Big Mind™ in the afternoon.
Overall I had an unpleasant and at times quite frightening experience and I have been trying to get to grips with it since.
The main issues were what I believed to be repressed sexual abuse, as there is a history of abuse running through our family, and also a running theme of confusion over sexual identity.
When I was unable to deal with what was coming up for me (this included thinking I was the voice of the devil or emptiness unowned) I asked to speak to a zen teacher I know. He suggested I speak to Genpo Roshi about it, not privately but in the group settings with about 250 people plus camera crew. Again I managed to do this after three days and felt it seemed right but I also think after it that I was in a state of shock.
It felt like at times that Genpo Roshi was in my head but maybe this was my delusional paranoia or another voice.
I'm not too sure what I am saying. Only that the retreat left me feeling pretty shocked, like I had taken an acid trip and very fearful of touching it again. My thoughts were wholly suicidal and I was glad to have my girlfriend and someone to talk to when I got back.
I'm left feeling very confused as if I shouldn't question Genpo, as if he knew better than me, like he said at the end of the last session, "I have you exactly where I want you." The final voice he requested was that of the voice of Vairocana Buddha. For me this felt like I was having heart palpitations. And then after a friend of mine dropped semi dead on the floor after he asked him to show him 'mu' dead. I stood and said, "I am gay." But I didn't mean it like that. I thought I was responding to what he wanted.
I'm not sure if you can make sense of this or offer me anything but it would be nice if there was further material on Buddhist practice and sufferers of abuse. Just wanted to know your thoughts were. Part of me thinks I should get a good therapist the other thinks fuck this shit I have had enough.
Thanks for your time
Here is my reply:
Thank you for writing. This is exactly why I think Big Mind™ is such a horrible thing.
One of the things that really bothers me is that Genpo wanted to talk to you not in private, but in front of 250 people and a camera crew. That is just rotten. Really, truly rotten. These things he is running are far too big. A sesshin with 250 people is no longer a sesshin, it's a circus. And even if all 250 were not at the sesshin proper, allowing that many outsiders to attend even part of it turns it into a circus. The man is after publicity and sees you as a way of fueling his act. It's utterly sleazy.
Sorry for the rant. As far as the specifics you're taking about... It's quite normal during Zen practice for hidden stuff to come up. Much of this can be sexual in nature. I've known a lot of people who report memories of childhood abuse or who find themselves questioning their sexual orientation. I've never experienced the former personally. But I have had a bit of experience with the latter.
I think the general norm as far as sexual orientation is concerned is to be either mostly heterosexual or mostly homosexual. You can be exclusively one or the other in terms of action. But in terms of thoughts and desires most of us have a bit of the "other team" within us. I certainly do. Since zazen brings up everything, that stuff's gonna come up as well.
The problem with Big Mind™ is that it's so focused on those Big Wow® moments that it forces you to go through this kind of stuff much, much too fast. If you go into it slowly the things you uncover have a bit of time to get processed. You're like a paleontologist gradually brushing away the dirt until after a month or so you reveal the entire tyrannosaurus skull. If you were to just pull it out in one movement, the sight of it (let's imagine you're the very first human to see one) would be shocking and horrifying. If you uncover it slowly, you have a chance to get used to it before revealing the whole thing.
This is very important. Without this slow process, you can't possibly come to terms with what you discover. All you get is a big nasty shock with no context. Or a big blissful shock with no context. Same thing.
I hope you don't drop your Buddhist practice entirely. But I would very highly recommend staying as far away as possible from Genpo Roshi and anyone associated with him. He knows nothing. He isn't in your head. He only has you where he wants you in terms of abusing you for his own greedy ends. The man wouldn't know Buddhism if it sat on his on his face and wiggled.
A friend of mine recently told me that she thought it seemed like I had a vendetta against Big Mind™. I think that's true. This is serious business. Big Mind™ is irresponsible and dangerous.
But there is a lot of irresponsible and dangerous stuff going on in the world of this type of cheesy vaguely Eastern feel-good-now spirituality. The reason I have focused so much attention on Genpo Roshi's rotten Big Mind™ scam is because it pretends to be related to Zen. Not only to Zen, but to the Soto tradition of Master Dogen. Genpo has even stolen Suzuki Roshi's phrase "big mind" — first used in his book Zen Mind, Beginner's Mind — and trademarked it for himself (SFZC really should make a legal complaint about that, since they own the copyright to Suzuki's works). But Big Mind™ has nothing whatsoever in common with real Zen practice.
It's not related to real Zen practice because Big Mind™ is focused on having some kind of special experience, a massive and exciting moment of spiritual orgasm. Zen practice has no relation to these moments. They are not the goal, just a distracting side road.
After that first exchange the guy wrote me another email that said, "I don't want to appear hateful. My overall concern with these big experience as you say is that they put the experience over and above the welfare of the individual. This seems to show little concern for what happens after. I mean shouldn't it carry a danger warning, or have therapists on standby or a hotline to call afterwards? You are just stripped clean then sent on your way."
My sentiments exactly! It's not nice to mess with people's heads this way. And Genpo Roshi and his team are not nice people. They're charging big money for a very dangerous experience without taking even the least degree of responsibility for the damage they do. Even traveling carnivals have more concern over safety.
There is no sense in me trying to convince anyone else to believe what I believe about this Big Mind™ horseshit. Nor can I stop anyone from trying it, no matter how much I wish I could.
I can't convince you to accept my opinion. But I can make it very clear what my opinion is. And I hope that by doing so I might encourage others, particularly other Zen teachers, to speak out against this abuse of Buddhism.
Some people think it's a violation of the Buddhist precepts to point out garbage like this for what it is. Genpo and his buddies count on this mistaken interpretation of the precepts to intimidate those who ought to speak out against what so many of us can see clearly is abusive and harmful. I don't agree with that interpretation. This is some very nasty shit. And all of us who teach Zen are implicated in it by association. Our silence allows it to continue.


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8"x12" Portrait (Blue Theme)
This 8″×12″ portrait wall calendar has one month per page giving a layout that has 13 pages in total, including a collage cover. Personalise with your own photos and customisable text. You can also choose your own start date. Our portrait wall calendars are printed on quality Fujicolor Crystal Lustre Archive photo paper and are bound with a metallic spiral binding.
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Auto Service: Air Conditioning, A/C
The air conditioning system in a car is serviced when freon gas gets low or when the system does not work.
How often should service be performed for the car:
A recharge of the AC freon gas will not be required until the car has quite a few years or miles. Usually this becomes apparent when the air blows hot from the vents. A fully charged system should reduce ambient temperature downwards of forty degrees. As the air conditioning system ages freon will seep out through small leaks where parts are joined together and sealed with rubber o-rings (a circular gasket). These o-rings begin to dry out and cannot give an air tight seal. The system will still reduce temperature even with half the freon required, just not as well. Therefore as the car ages, a recharge of the system every three years is normal.
What are the symptoms of faulty Air Conditioning for the car:
If this recharge lasts a short period of time, there is a more significant leak which needs to be diagnosed and repaired. Usually, one of the lines, the condenser or the evaporator will develop a hole where the freon will leak much more rapidly. The air conditioning system will also not work if a component has failed mechanically. The compressor is the most common failure item. The pulley on the compressor is in constant motion, even when the air conditioning system is not in use, and will wear out over time. The compressor also contains the most moving parts within the system, so breakdown at some point is expected. In newer cars with advanced climate control, sensor and computer problems are quite common. If a sensor stops working or if it measures incorrectly (either pressure or temperature) the system will stop working.
How air conditioning works in a car:
Air conditioning provides a large amount of comfort when driving. Ambient temperatures and heat generated by the engine can create a very uncomfortable cabin for passengers. Air conditioning does not provide cold air, instead when the system is working well will take the heat out of the air inside the cabin. The freon under high pressure will pass through a valve either called a thermal expansion valve or an orifice tube, which allows the freon to rapidly expand. This drop in pressure creates a drop in temperature. The freon then passes through tubes in a radiator looking device inside the cabin called an evaporator core. The air inside the passenger cabin is pushed through this evaporator core before it exits the vents and has the heat taken out as the freon seeks to regain surrounding temperature. This process also takes all the humidity out of the air in the cabin (think of the evaporator core as a cold can of soda with condensation). This process of drying air also makes the defrosting of the windows in the winter time much easier. The air conditioner will be active when defrost is commanded even with the heat running. This will take moisture out of the air and quicken the defrost of windows.
What can happen if this service neglected for the car:
Neglect of the air conditioning system can lead to some problems. For the most part, a non-functioning air conditioner means no relief from high temperatures and humidity, and accordingly this lack is more problematic in areas of the country where sustained high temperatures are common. However, in colder climates, lack of air conditioning will cause longer times to defrost or defog windows before driving safely. In some cases, mechanical failure may lead to other problems in the car. A seized compressor can break the serpentine belt and leave the car without a power steering pump, an alternator and a water pump. Finally, freon is an ozone depleting agent. Any leaks in the system are detrimental to the environment.
What does the typical air conditioning service cost?
- Estimated cost for diagnosis and recharge (most common) = $100-$250
- Estimated cost if minor leaks are detected = $200-800
Most automotive service professionals can perform this service. Keep in mind, pricing will vary by location and your vehicle make and model. Save time and money by using Openbay to compare pricing and book an appointment with a service center in your area.
Service article written by an ASE Master Technician


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Here's a second, longer article, with a detailed bio:
Former President Ronald Reagan Dies at 93
By JEFF WILSON and TERENCE HUNT, Associated Press Writers
LOS ANGELES - Ronald Reagan (news - web sites), the cheerful crusader who devoted his presidency to winning the Cold War, trying to scale back government and making people believe it was "morning again in America," died Saturday after a long twilight struggle with Alzheimer's disease (news - web sites).
"My family and I would like the world to know that President Ronald Reagan has passed away after 10 years of Alzheimer's disease at 93 years of age. We appreciate everyone's prayers," Nancy Reagan said in a statement.
Nancy Reagan, along with children Ron and Patti Davis, were at the couple's Los Angeles home when Reagan died at 1 p.m. PDT of pneumonia complicated by Alzheimer's disease, said Joanne Drake, who represents the family. Son Michael arrived a short time later, she said.
In Paris, President Bush (news - web sites) called Reagan's death "a sad day for America."
The U.S. flag over the White House along with flags elsewhere was lowered to half-staff. At ballparks and at the Belmont Stakes, there were moments of silence.
Five years after leaving office, the nation's 40th president told the world in November 1994 that he had been diagnosed with the early stages of Alzheimer's, an incurable illness that destroys brain cells. He said he had begun "the journey that will lead me into the sunset of my life."
Reagan's body was expected to be taken to his presidential library and museum in Simi Valley, Calif., and then flown to Washington to lie in state in the Capitol Rotunda. His funeral was expected to be at the National Cathedral, an event likely to draw world leaders. The body was to be returned to California for a sunset burial at his library.
Reagan began his life in a four-room apartment over the general store in Tampico, Ill. During his 93 years, he was a radio sports announcer, an actor, a two-term governor of California and a crusader for conservative politics.
Over two presidential terms, from 1981 to 1989, Reagan reshaped the Republican Party in his conservative image, fixed his eye on the demise of the Soviet Union and Eastern European communism and tripled the national debt to $3 trillion in his singleminded competition with the other superpower.
"Ronald Reagan had a higher claim than any other leader to have won the Cold War for liberty and he did it without a shot being fired," former British Prime Minister Margaret Thatcher said Saturday.
At the time of Reagan's retirement, his very name suggested a populist brand of conservative politics that still inspires the Republican Party.
He declared at the outset, "Government is not the solution, it's the problem," although reducing that government proved harder to do in reality than in his rhetoric.
Even so, he challenged the status quo on welfare and other programs that had put government on a growth spurt ever since Franklin D. Roosevelt's New Deal strengthened the federal presence in the lives of average Americans.
In foreign affairs, he built the arsenals of war while seeking and achieving arms control agreements with the Soviet Union.
In his second term, Reagan was dogged by revelations that he authorized secret arms sales to Iran while seeking Iranian aid to gain release of American hostages held in Lebanon. Some of the money was used to aid rebels fighting the leftist government of Nicaragua.
Despite the ensuing investigations, he left office in 1989 with the highest popularity rating of any retiring president in the history of modern-day public opinion polls.
That reflected, in part, his uncommon ability as a communicator and his way of connecting with ordinary Americans, even as his policies infuriated the left and as his simple verities made him the butt of jokes. "Morning again in America" became his re-election campaign mantra in 1984, but typified his appeal to patriotrism through both terms.
Reagan's presidency overlaid the spendthrift 1980s, tagged by some as the "Greed Decade." It was a time of conspicuous consumption, hostile takeovers, new billionaires. American power was ascendant after the angst of the 1970s over Vietnam and the release of the hostages in Iran at the start of his presidency.
In large ways and small from the president's tough talk against the Evil Empire and "welfare queens" to his wife's designer dresses and new china for the White House the Reagans seemed to embody the times.
And for all the glowing talk of Reagan's folksy appeal and infectious optimism, it was a time of growing division between rich and poor. Now, as then, critics point to Reaganomics in lamenting big defense spending at the expense of domestic needs and a growing national debt.
Reagan, a Democrat in his acting days, got a taste of politics when he served as president of the Screen Actors Guild (news - web sites) from 1947 to 1952.
He appeared in more than 50 films over two decades in Hollywood, with roles ranging from a college professor who raises a chimpanzee in "Bedtime for Bonzo" to doomed football star George Gipp in "Knute Rockne: All-American" in which he wanted his teammates to "win just one for the Gipper."
Reagan lived longer than any U.S. president, spending his last decade in the shrouded seclusion wrought by his disease, tended by his wife, Nancy, whom he called Mommy, and the select few closest to him. Now, Gerald Ford, Jimmy Carter, George H.W. Bush and Bill Clinton (news - web sites) are the surviving ex-presidents.
"Ronald Reagan was an excellent leader of our nation during challenging times at home and abroad. We extend our deepest condolences and prayers to Nancy and his family," Ford said.
Clinton called Reagan "a true American original."
Democratic presidential hopeful John Kerry (news - web sites) said that Reagan's "love of country was infectious. Even when he was breaking Democrats hearts, he did so with a smile and in the spirit of honest and open debate."
Although she was fiercely protective of Reagan's privacy, Nancy Reagan let people know the former president's mental condition had deteriorated terribly. Last month, she said: "Ronnie's long journey has finally taken him to a distant place where I can no longer reach him."
At 69, Reagan was the oldest man ever elected president when he was chosen in 1980, by an unexpectedly large margin over the incumbent Carter.
Near-tragedy struck on his 70th day as president. On March 30, 1981, Reagan was leaving a Washington hotel after addressing labor leaders when a young drifter, John Hinckley, fired six shots at him. A bullet lodged an inch from Reagan's heart, but he recovered.
Four years later he was re-elected by an even greater margin, carrying 49 of the 50 states in defeating Democrat Walter F. Mondale, Carter's vice president.
Reagan's oldest daughter, Maureen, from his first marriage, died in August 2001 at age 60 from cancer. Three other children survive: Michael, from his first marriage, and Patti Davis and Ron from his second.
On the Net: Reagan Library official Web site: http://www.reagan.utexas.edu


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'Glee' bids tearful farewell to Cory Monteith
"Glee" bid farewell to one of its own Thursday night with a heart wrenching tribute to the late Cory Monteith and the beloved character he played for four seasons, Finn Hudson.
The episode, titled "The Quarterback," opened three weeks after Finn's funeral with no reference to the cause of death.
"Everyone wants to talk about how he died," says Kurt (Chris Colfer) in a voiceover. "But who cares? ... I care more about how he lived and everyone who has a problem with that should remember that he was my brother. ... I'm going to spend my entire life missing him."
Former and current members of the glee club gathered at McKinley High School to pay respects during a musical memorial organized by Mr. Schuester (Matthew Morrison). Among the numbers performed were "Seasons of Love" from Broadway's "Rent," The Pretenders' "I'll Stand By You" (by Mercedes); James Taylor's "Fire & Rain" (Sam and Artie); Bruce Springsteen's "No Surrender" (Puck); and The Band Perry's "If I Die Young" (Santana).
The kids spent the hour grappling with the loss of Finn, along with all the grief and anger that accompanied it.
There were also touches of the show's trademark humor. At one point, Santana says, "I am convinced that Squishy Teeth is in up in Heaven right now, slapped down to his new best friend, Fat Elvis, helping themselves to a picnic of baby-back ribs smothered in butterscotch pudding and tater-tot grease."
But the highly anticipated episode mostly went for the heart. The most poignant moment occurred late in the hour when Rachel Berry -- played by Lea Michele, Monteith's real-life girlfriend -- arrived in the music room and delivered a mournful version of Adele's "Make You Feel My Love" (written by Bob Dylan) as tears streamed down her face.
"I talk to him a lot. I can still see his face and hear his voice so clearly," said Rachel, who explained that she had her whole happily-ever-after in Ohio with Finn planned out -- after she hit it big on Broadway.
Somewhat surprisingly, no footage of Finn or any of his "Glee" performances were woven into the episode. But a makeshift memorial was erected in front of his old locker and several characters tussled over possession of his red letterman's jacket. Rachel and Mr. Schuester also hung up a photo of Finn in the music room that featured one of his quotes:
"The show must go on -- all over the place ... or something."
Monteith died in a Vancouver hotel in July of a heroin and alcohol overdose at age 31. Following the episode, Fox aired a public-service announcement with "Glee" actors urging anyone with an addiction problem to get help.
"Glee" will now take several weeks off and return to the air on Nov. 7.


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Home / WebAPI Versioning – Using Routing Attributes / web_api_5
Julia Slattery is a Marketing Content Specialist for 3Pillar Global in our Fairfax office. She manages content for 3Pillar's web properties, hosts 3Pillar's 'Take 3' podcast, and assists with the production and editing of a wide variety of audio, video, and written content. She holds a BA in Writing, Rhetoric, and Technical Communication from James Madison University.
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The 2011 Rum Howler Awards – Part 1 (Best Mixers)
Posted by Arctic Wolf on November 8, 2011
Last year I began my Rum Howler Awards which sought to recognize the most favoured spirits I had sipped and sampled over the past year. Today I am continuing what I hope will be an annual tradition with my Second Annual Rum Howler Awards! Of course, everyone should understand that I must introduce some provisos when I hand out these awards. I cannot judge any spirit which I have not tasted. I also cannot attempt a comparative final tasting when the previous sample I received for my review, was so small that I now have none left to compare. Fortunately for the most part, like last year, I was able to save enough of each product sample just for the purpose of these awards.
The Rum Howler Awards are meant to be a fun excuse for me to revisit my most favoured distilled spirits and share that re-visitation with you my readers. I am trying to choose the best of the best, but like all competitions of this nature, the awards are subjective and will reflect my personal preferences. The awards for today will concentrate on those spirits which I have found make particularly tasty cocktails. (I have added Gin, Tequila and Vodka categories to round out the awards to include all distilled spirits I review.)
Best White Rum in a Daiquiri
And the Winner is:
Newfoundlander's White Rum
Honorable mention to Mount Gay Eclipse Silver.
I consider the daiquiri to be the benchmark cocktail for white rums. In my side by side tastings it was basically a contest which pitted the clean crisp flavour of Newfoundlander's White Rum against the funky character of the Mount Gay Silver Eclipse. I found that the new White Rum from the Newfoundland and Labrador Liquor Corporation was simply outstanding in the cocktail. (The Silver Eclipse from Mount Gay is very 'funky' and delicious as well.)
Most Outstanding Gin in a Lime Fizz
And the winner is:
Tangueray No. 10
Honourable mention to No. 3 London Dry Gin, and Bombay Sapphire Gin.
A Gin Fizz (similar to a Tom Collins) is a simple cocktail which mixes gin with lemon or lime juice, simple sugar and soda. It is a very popular bar-drink/cocktail, and because I like 'fizz' style bar-drinks more than Martinis or the standard Gin and Tonic, I decided to use the Gin Fizz as my cocktail of choice for judging this spirit in a cocktail. It was the smoothness of the Tangueray No. 10, which won the day in my side by side comparisons.
Most Outstanding Whisky in a Horses Neck
And the winner is:
Chinook Canadian Whisky
Honourable mention to Gibson's Finest Sterling Canadian Whisky, and Pendleton (Let 'er Buck) Canadian Whisky.
Anyone who has read my reviews realizes that I love to mix cocktails and bar drinks. I believe that the vast majority of whisky drinkers do the same even when they buy a premium bottle. The Horse's Neck (Whisky and ginger-ale) is the standard cocktail that I like to drink with my whisky, and as such it is a very suitable bar drink to use for judging the mixability of each whisky. All three of the Nominees above are great whiskies for serving with ginger-ale; but my friends and I have been 'hooked on the Chinook' ever since we first tried it several months ago.
It was no surprise to me that it won the day in my head to head taste-off.
Most Outstanding Blanco Tequila in a Margarita
And the winner is:
PaQuí Tequila (Silvera)
Honourable mention to Cabo Wabo Blanco
Like the Daiquiri, the Margarita is another benchmark cocktail. Whenever I review Blanco Tequila, I mix a Margarita to begin to test the spirit's cocktail range. I tasted four different spirits side by side in a Margarita taste-off this summer, and it came down to a choice between the Cabo Wabo and the PaQui. Both were excellent; but, by a small margin I preferred the Margarita made with PaQui Tequila.
The Best Vodka in a Cosmopolitan
Pristina Vodka
Honourable mention to Patriot Excellence Vodka, Nemiroff Lex Vodka, and Last Mountain Hand Crafted Vodka.
Of all the awards presented today, I think perhaps that his was the toughest to judge. I (and some of my friends) sampled the Cosmos several times attempting to rank the spirits; but we seemed to come up with a different winner each time. It was the Pristina Vodka however, which always seemed to rank first or second each time I did a taste comparison. You cannot go wrong with any of these Vodkas for mixing premium cocktails, but by the slimmest of margins, I prefer the Pristina.
And there you have it, the first five Rum Howler Awards for 2011:
The Best White Rum in a Daiquiri, Newfoundlander's White Rum.
The Best Gin in a Lime Fizz,Tangueray No. 10.
The Best Whisky in a Horses Neck, Chinook Canadian Whisky.
The Best Blanco Tequila in a Margarita, PaQuí Tequila (Silvera).
The Best Vodka in a Cosmopolitan, Pristina Vodka
Each week until Christmas I shall reveal some more of the Awards… Stay Tuned!
3 Responses to "The 2011 Rum Howler Awards – Part 1 (Best Mixers)"
November 8, 2011 at 10:48 am
enjoy the fall and winter
November 8, 2011 at 10:47 am
hi chip…just back from halloween in miami and was greeted by a friend with a ron cartavio xo which we played the 1st couple of days with along side zacapa xo,,atlantico and zafra. next the real surprise as we detoured from jimbos because of the monsoons hitting virginia cay…cardhu has resurfaced and as u appreciate highland park and macallan products pick up a bottle of cardhu at 39$ a great choice.i am back at end of nov. and have ordered both at a new store in hollywood ,hollwood and vine an interesting mix of wine and spirit bar/store/meeting spot…they went out of their way to acquire products that left me smiling cheers russ
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Trusts often rely on insurance policies for a variety of purposes, and if trustees do not actively manage those policies, it could cause trouble for both trust and trustee. However, many trustees don't even realize they have to do anything with an insurance policy but distribute the funds once the death benefit comes in.
John Ryan, of Ryan Insurance Strategy Consultants in Greenwood Village,Colo., said during a recent webinar on the subject that many times an insurance policy is the only asset in a trust. But while it's a trustee's duty to select and monitor policies, he cited the Stephan Leimberg insurance newsletter for some surprising statistics: 81% of the time, trustees had little or no guidance from the grantor about how to treat life insurance policies in the trust—nothing about how often to review or what to look for. Perhaps, given that figure, it's not all that surprising that 69% of trustees have not reviewed the policies in their care in the last five years.
That's a big red flag. Trustees have a fiduciary duty under the Uniform Prudent Investment Act (UPIA) to review trust-owned life insurance policies, and they are further required to produce reasonable returns, said Ryan. Failure to do so could send unhappy beneficiaries to court—which means big trouble for the trustee—and over half the policies in trusts are underperforming.
Advisors whose clients are trustees, or who perhaps serve as trustees themselves, should be aware that a regular review can reveal the policies they oversee that fail to perform. If they do not feel prepared to tackle such a review, and many don't, they should consult an expert.
Volunteer trustees, or those with no experience, may have been chosen by the client because of a personal relationship, not their knowledge of a trustee's duties. They may have no idea that they are liable for the performance of the trust, or they may feel they're not qualified to carry out an examination of the policy's performance. If they do give it a shot, they could feel as if they're drowning in paperwork from the insurance company. And if the person who bought the policy doesn't want to get involved, that can make it harder.
Professionals such as accountants, attorneys and planners might be reluctant to demonstrate a lack of expertise on the subject, or to expose themselves to liability for taking on a task they're really not qualified for. However, said Ryan, "if you hold yourself out as a comprehensive financial planner, this is an area you have to delve into to do what's right by the client."
Or the problem could be the agent, who may have a personal relationship with the donor that makes any change or suggestion of poor performance difficult. Alternatively, the agent could be prejudiced in favor of a certain type of policy or, even if he advises a change, simply more concerned with an opportunity for additional profit than with making sure a new policy will perform better.
Many things can affect that performance, including the timing of the purchase. Ryan cited an instance in which a client bought a variable life policy a year before the market dropped 40%. "These products are so highly sensitive," he said, "that when a loss like that is sustained in the first few years, it's difficult for the policy to catch up. If they're not monitored and managed like an investment, there could be dire consequences later on."
Illustrations from policies in the late 1980s, he added, particularly from California, would offer crediting rates of 14%, 16%, even 18%. Now, however, 4.5% is "actually a decent crediting rate for a universal life policy." A policy that was purchased based on a projection of premiums and values in the range of 9%, 8.5% or even 8%, but now only crediting 4.5% or less, is not performing as it was originally designed, explained Ryan.
Then there's the question of which rate is used for crediting and which is used for the illustration: the gross rate (before fund management expenses and mortality and expense charges), the net rate (less one or the other of the expenses), or the net-net rate (after deduction of both investment expenses and mortality and expense charges). That can lower a gross crediting rate from 9% to an actual rate of around 6%.
Mortality is an issue as well, and while it has improved drastically, he said, companies generally won't go out of their way to pass on the benefit of improved pricing based on mortality rates to existing clients.
Trustees may not be aware, either, of how easily policy guarantees can be voided. For instance, an insured pays for the no-lapse guarantee on a universal life policy by accepting a lower return. But Ryan cautioned that "many policies say that the guarantee is only valid as long as the client or trustee makes the annual policy payment on time every year, and never misses or is late, and never makes a loan or withdrawal." Should a new trustee, unaware of this, make a late payment, skip a premium altogether or take a loan, suddenly there is no guarantee. Some companies do offer a catch-up provision, however.
Term life policies also need attention because if the conversion option expires before the insured exercises it, he or she could be priced out of coverage with an "astronomical" premium increase and the trust would be left without the policy—particularly if the insured is no longer insurable because of deteriorating health.
Ryan gave one particularly dramatic example of the difference a policy review can make. A 50-year-old female client brought in four whole life policies for review, with combined coverage of $265,000. Two of the four had ongoing annual premiums to age 65 of $2,500 per year, and the net cash value was $79,000. After review, $55,000 of the cash value was used as a single premium on one new policy that replaced all the others. The new policy offered a guaranteed-to-age-120 death benefit of $266,000, with no additional premium required. That saved $37,500 in premiums over 15 years, and still allowed $24,000 in cash value to be taken out of the old policies with no federal tax.
Trustees need to be aware of all their responsibilities surrounding the trust's insurance policies and, if necessary, get help to fulfill them. The beneficiaries will be glad they did.


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Friday, Dec. 14, marks Mary Schapiro's last day as SEC chairman. Since taking on the high-profile position in February 2009, Schapiro has faced many challenges and some criticism from all sides of the political spectrum, though the consensus appears to be that she, in the words of Investment Adviser Association Executive Director David Tittsworth, "stabilized an agency that was being heavily criticized" when she joined the SEC.
"Remember," says Tittsworth, that in early 2009, "many people were talking about literally doing away with the SEC."
Elisse Walter has been named by President Barack Obama to replace Schapiro, at least on an interim basis, but AdvisorOne thought we should ask advisors who they believe should be SEC chairman. While we were at it, we also asked for your input on what the SEC's priorities should be and to assess how well the current regulatory system is working. The survey was available online at AdvisorOne from Nov. 29 through Dec. 10, with about 60 respondents, the vast majority being advisors. Now, the numbers are in.
1. Who Should Be SEC Chairman?
Our survey provided respondents with the names of several people whose names have been floated as possible successors to Schapiro, though we also encouraged write-in votes. The biggest vote-getters were Sallie Krawcheck, the former Merrill Lynch chief, at 27% of the vote, followed by "an actual advisor," at 17%, and Robert Khuzami, whom Schapiro brought in to direct the division of enforcement at the SEC, at 16% of all votes. While many names were written in, none approached the support given to Krawcheck, Khuzami, or that mythical advisor; the most prominent names mentioned were JP Morgan CEO Jamie Dimon of Citigroup, CFTC Chairman Gary Gensler, two Ron's–Paul and Rhoades–and Stark & Stark securities attorney Tom Giachetti.
Tittsworth, who has spent several decades observing and participating in the Washington scene on both Capitol Hill and as an advocate, suggested that when it comes to an actual successor that we should "discount 99% of the rumors out there; figuring out what's actually going on is basically impossible." However, he did suggest that the best kind of person to head the SEC should have both an "outside game" and an "inside game."
The outside skills, he said, would include dealing with Congress, the White House and "the whole set of regulated entities" such as broker-dealers, SROs and RIAs. "On the outside game, as SEC chairman you need a pretty thick skin–you'll be subject to criticism no matter what," Tittsworth said. Any new chairman, he suggested, will still face criticism in what is "still a highly charged political environment."
However, Tittsworth said, "I don't think you should underestimate the inside skill set." Those skills include managing SEC employees, "hiring the right people and trying to implement the changes you want to see; unless you have the staff behind you it's difficult to get your agenda." Back in 2009 when there was that talk about eliminating the SEC, "it couldn't have been a morale booster for the 2,000 to 3,000 people working there; she stabilized an industry that was being heavily criticized." Moreover, he says Schapiro had a "highly functioning senior staff that had the confidence of people who reported to that staff."
Tittsworth said he would "give Chairman Schapiro high marks on both the inside and outside game." He also points out that Schapiro brought into the agency many people who were experienced in the securities business but hadn't previously served in government, such as Khuzami, "who had been a prosecuting attorney in New York," Norm Champ, head of the Investment Management Division, who had worked at a hedge fund, Carlo Di Florio, who heads the SEC's OCIE division, and a new general counsel.
2. What Should Be the SEC's Top Priority?
The majority of our respondents, 56%, identified themselves as either SEC-registered investment advisors or state-registered RIAs, though 33% chose "other," which upon further drilldown included attorneys, employees of RIA custody firms and at least one person who self-identified as "an SEC employee."
When these respondents were asked what should be the agency's top priority, 43% chose "improving training/knowledge of SEC examiners." A distant second, at 24%, was "imposing a fiduciary duty on all advice givers," and third, at 13%, was "getting better overall funding for the SEC."
The top answer is likely not surprising to any RIA; a constant complaint, in public and in private, of many RIAs is that it's a crapshoot when it comes to examiners: some are experienced and knowledgeable about the RIA model, while other examiners are callow inspectors who clearly know next to nothing about the businesses they are examining.
On the problem of less-than-optimal examiners, Tittsworth of IAA says "we've certainly heard the same complaint as well," but believes that Carlo Di Florio, the aforementioned Schapiro appointment who heads the SEC's Office of Compliance, Inspections and Examinations (OCIE) " would say they're trying to improve that situation." Tittsworth, who doesn't hesitate to criticize the SEC from time to time, says he "applauds" OCIE for bringing in more experienced "securities people, trader and private fund people" into the SEC.
3. About the Current Regulatory Environment
When asked to provide an assessment of the current regulatory system, as overseen by the SEC and FINRA, survey respondents gave poor marks, with significant majorities criticizing regulators for failing to "protect the integrity of the markets" (one of the SEC's three formal charters), at 70%, and 68% saying they fail to "provide a level playing field for all advisors." Another 68% of respondents said the SEC and FINRA are not "protecting the U.S. financial system from another 2008 crisis."
4. What Qualities Should the Next SEC Chairman Possess?
Tittsworth was likely channeling the opinions of many advisors (not surprising, since the IAA represents mostly larger registered investment advisory firms) when he said his preference for any SEC chairman would be "somebody with experience in the securities industry" and more "specifically in the investment advisory industry."
With the demurral that he is "one of hundreds of advocates out there," Tittsworth said that the "somebody" should have "actual experience doing the types of activities the SEC regulates." He would rather see that type of person rather than "an academic" or someone from a law firm "who has never stepped foot in a broker-dealer's office or an RIA firm." That sentiment that would likely be shared by many in the industry, Tittsworth speculated, "is why Sallie Krawcheck got so many votes" in our survey.
Tittsworth has one other point to make as to the type of person who would become SEC chairman or take a senior staff position at the agency. "People take these jobs because they believe in public service," pointing out that the chairman's position pays "maybe $150,000" annually, while an SEC "senior staff [salary] is capped around $230,000."
After all, he points out, "FINRA executives are multiples" of those salaries. Why else, he wonders, would anyone "take on these serious responsibilities, where people are taking shots at you? Why else would you take this job unless you believed in public service?" The "vast majority" of SEC staffers, he believes, are such dedicated public servants, with "a high level of competence."


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Looking Back at the Angels Wednesday Walk Off Win Against the Mainers and Forward
Two posts in one day? I know! September really does do crazy things to us baseball fans. In the last post I discussed the latest game and with this post I ask you to take a step into the Not-Really-So-Way Back Machine all the way back – not really that far back – to Wednesday night's game. Yes, an Angels walk off win against the Mariners. And can I just tell you how much more fun it is to write about that game after Friday night's win than it was when I started writing it after Thursday's ick? Because Thursday's game was a maddening, error filled, flaccid offense, overly generous bullpen kind of a loss that actually had me singing the chorus of Build Me Up Buttercup while writing this post and I shouldn't have to tell you how wrong that is. (Buttercup is pure evil, a 7th inning stretch crime against Angels fans and players alike.) Friday's win, on the other hand, was all sunshine, lollipops, single admission double headers, lit halos, kisses from my husband, good bourbon, flourless chocolate cake, three day weekends, glasses of petite verdot and everything else that is awesomely wonderful I can possibly think of, much like Wednesday's game…
Barring the so remote as to be nonexistent chance of playoff tickets falling into my lap, Wednesday night was my last game for 2012 and what a game it was!! Everyone did whatever was needed to win. Of course, it was not C.J. Wilson's best outing – I know, now there's a second half shocker! But, in this case, not his best outing was much better than C.J.'s last two and you could see him really reaching deep and trying to help the team but willing a quality start into existence. A for effort and, when it comes to both baseball and life, that means a lot in my book. So, when I say everyone did whatever was needed to win, I'm including C.J. in that, though I think that all of us, including C.J., hope that his marks for execution are higher next season.
But I digress… Back to everyone did whatever was necessary to win. The bullpen. Was. Awesome!! Repeat. The bullpen. Was. Awesome!! And the Angels sure were grateful for their oh-so-necessary help. In a season where the bullpen has been alternately an asset and a detriment, and I've been whining as loudly as anyone when they resemble to Arson Squad of old, I feel it is absolutely imperative to shout it out to the interwebs whenever the bullpen rocks it, and oh boy did they rock it!
Yes, there are holes in the Angels lineup, have been all season – though mostly not the same holes all season it should be noted. But this game even the guys who are struggling busted their asses to do as many little things as possible to keep the game alive and their efforts were effective – which, in this often unkind game we all love, we all know is not always the case. Their efforts combined with those from players on a hot streak made all the difference.
Part of the reason that starting to write this after Thursday's completely avoidable loss is that my throat was still raw and scratchy from cheering the Angels to victory just the night before. (And I actually had a slight bruise on my palm from smacking the concrete ledge in front of me in celebration of a few great plays, because my clumsiness literally knows no bounds. Doh!) One of the biggest reasons my throat was sore was all of the cheering and "Keep Torii!" shouting I was doing as Mr. Torii Clutch Hunter got it done again and again. And, let me just tell you, soothing hot tea has never tasted so good. It was the tea and honey of victory! 😉
…And then Torii Hunter's walk off single. The crowd went wild. The players erupted from the dugout to celebrate. It was the perfect cap to the perfect game to end my season at the ballpark on. And if the celebration was a little overly playoff like, I say so what. Hey, if a team has to play playoff intensity and quality baseball from here on out with playoff berth stakes both in and out of their control occurring every moment, then I say playoff like celebrations are only fitting. For every win even if they feel like it. And no, I don't think this is too many photos to post from my last game of the season. Why do you ask? 😉
Suffice to say, if Thursday's team shows up in Texas and Seattle, we're hosed. End of season. But if the team of Wednesday's and Friday's games continues to show up, then anything and every wonderful thing is possible. You know what? I think they can do it! Go Angels!
And with that, I leave you with *sniff, sniff* the last of my silly moments photos from the 2012 season:


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Students Not Tested
Percentage of students not tested in state testing programs for reading, math, and science.
Enrollment numbers are those reported during the testing windows for grades 3-8 and 11. This display shows the percentage of students not tested in each subject. Note that sometimes students may take the test for one subject but not another.
Click View by Student Groups to see more detailed information about students not tested.
The display allows you to see the students not tested from various student groups. You may select from the filters listed on the right of the display. As you click each button the information automatically displays on the graph. Use the Reset button to clear your selections.
Selecting View Details will add the information in a table format below the graph.
Throughout the testing process, certain students may take an alternative assessment or not be tested. This may include students with disabilities or students with English Learner Proficiency who have attended schools in the U.S. for less than 12 months.


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DISCLAIMER: Better Addiction Care is a third-party information service for consumers who are dealing with addiction or seeking information on addiction treatment. All content and information provided by BetterAddictionCare.com are intended solely for informational and marketing purposes and are not intended to be a substitute for professional medical advice, diagnosis, or treatment. You should always seek medical advice from a licensed caregiver if you are experiencing any condition which may require medical treatment, and in the event of an emergency, please dial 911 immediately. Any advertiser relationships are clearly marked as "Sponsored" or "Ad". Reliance on any content or information set forth within this website is solely at your own risk. See Terms and Conditions for further details.
NA/AA DISCLAIMER: This Site is not affiliated with Narcotics Anonymous or Alcoholics Anonymous. The information on this Site is provided for informational purposes only. If there are any discrepancies of times, dates, or locations of meetings, please contact us so we can update the information as we strive to keep the information as current as possible.
Click on the logo below to access Florida Department of Children And Families' list of licensed service providers and recovery residences located in Florida


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Network with other professional contractors in the construction and remodeling industry. It's a great way to learn business and trade knowledge.
All of the resources and services we offer are totally free for professional contractors. We are here to serve you!
We offer forums to ask questions, industry blogs, project showcases, and product reviews that are done by pros and for pros.
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Shop a selection of pieces thoughtfully selected for their quality and character. Pick them up from your local store (contactless), or we'll courier them to you.
Goodbyes aims to make shopping secondhand more desirable than buying new. By shopping with Goodbyes well made pieces are enjoyed time and again.
Black leather, square toe and heel, wear to straps consistent with vintage
Made in New Zealand
Sold Out Price: $55.00
Label: Succhi
Size: 36
Location: Brunswick
Goodbyes is a resale service that extends the lifespan of well-made garments, shoes and accessories. All our pieces are in preloved condition. Each item listed online has been thoughtfully selected for its quality and character.
Notable imperfections are highlighted in the item description. We hope you enjoy shopping online with us.
Shipping and Postage
Please note items are located at multiple locations. To avoid multiple postage charges we suggest shopping at one location. Unfortunately at this stage we are unable to consolidate orders. We apologise for any inconvenience this may cause.
Please take the time to carefully read listings and inspect pictures. Unfortunately we are unable to provide returns for change of mind or if an item doesn't' fit.
Each item is listed with a location, if you require additional information about a piece please get in touch with the appropriate store here.


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Plumbers?Epsom, West Ewell, Stoneleigh, KT19
Looking for a Dependable Plumber in Epsom, West Ewell, Stoneleigh, KT19?
At Expert Plumbers, we have exceptionally capable and experienced plumbers prepared to respond to any job in Epsom, West Ewell, Stoneleigh, KT19 area. We offer all our clients a minimum twelve month guarantee on all of our plumbing repairs and installations, so youve got peace of mind.
You're in control of your spend ? All charges are quoted up front.
Our hourly rates are fixed, competitive with no hidden extras.
Our call centre is open 24 hours a day, 7 days a week on?020 8166 9723
Exceptionally Capable?Plumbers in Epsom, West Ewell, Stoneleigh, KT19
We're proud of the standard of work delivered by our Epsom, West Ewell, Stoneleigh, KT19 Plumbers, which is why they are all educated to NVQ Level three, and have got a minimum of 5 years of working experience. Plumbing is a trade weve been offering since our humble beginnings and over the years we have amassed a powerful, diverse team of dedicated engineers.
Where are we?
We?are equipped and capable to work on jobs all over London including Epsom, West Ewell, Stoneleigh, KT19 area. We employ engineers local to Epsom, West Ewell, Stoneleigh, KT19 area, and they are available for call outs 24 hours a day, and able to respond immediately to local plumbing emergencies. Try searching Locations We Cover section of our website if you're not certain whether or not we work in your area.
Epsom, West Ewell, Stoneleigh, KT19 Plumbers?
Expert Plumbers is a family-run plumbing maintenance and installations company located in Central London. We carry out drainage, gas, central heating, all domestic plumbing and heating work. In the last years we have grown into one of the most well known Plumbing & Heating companies in and around the Epsom, West Ewell, Stoneleigh, KT19 area.
Now we are focussed on delivering brilliant personalised customer service and high standard workmanship. Were tidy, clean and respectful of peoples property while we work. We understand we are in your house and we plan to get our job done in the quickest possible time, efficiently and without difficulty. Each of our staff wears ID, our black uniform and always drives a clean and fully stocked van.
No Job Too Small
Our plumbers and heating engineers charge by the hourly rate for smaller jobs and well give you a free written estimate for anything larger. Our friendly office staff will be happy to discuss your requirements and supply you with an estimate for the job you need carrying out.
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We are preferred plumbing contractors for some of Epsom, West Ewell, Stoneleigh, KT19 well-established lettings agents and property managers for carrying out new installations and repairs on their managed rental properties.
Very much a family-run business, we strive to provide the best possible customer service, right through from our bookings team at the office to the engineers attending your home or workplace. Were blessed to have an exceedingly low turnover of staff and provide a joyful and healthy work environment for our workers.
Maintenance ? Repairs
Our plumbing and heating teams will just as happily come out to repair a dripping mixer tap, unblock a kitchen sink, install a washing machine or put pressure to a boiler, as will carry out major works such as the installation of a brand-new central heating system or chemically clean radiators, replace hot water cylinders and cold water tanks and install new radiators.
Emergency Call-Outs
All our Plumbing & Heating services in Epsom, West Ewell, Stoneleigh, KT19 are accessible at short notice, and a visit is billed on fixed price which is given to you at time of making a booking or on our hourly rate.
We will always tell you what youll be charged before we start our work.
New Installations
Our Epsom, West Ewell, Stoneleigh, KT19 Plumbers are experienced installers of new boilers and all types of heating systems, were accredited installers of Worcester Bosch, Veissman and Vaillant boilers.
One of our senior supervisors will attend your property to discuss the job with you and give you a full detailed written estimate. We are able to provide extended warranties from many of the leading manufacturers of boilers and heating systems and will always supply the best suited boiler for your property to enable our qualified engineers to do the most professional job for you. Beginner engineer or inexperienced apprentice will never be let to work on his/her own in your property.
All our work carries a minimum one year labour guarantee.
We Provide The Following Services: Blocked drains, Blocked toilets, Blocked sinks, Macerators, Sani flo, Saniflo, WCs, Sinks etc, Immersions, Immersion Heaters, Cylinders, Sinks & Sani- Vite, Shower repairs, Electric showers, Power Showers, WCs, WC Cisterns, Syphon, Sani-flo, Pumps, Boiler installations, Boiler repairs, Emergency plumbing, Gas cooker repairs, Power flushing, Leaks, Burst pipes, Outside taps, Taps, Tap washers, Cold water tanks,, Washing-machine repairs, Dishwasher repairs, Bathroom refurbishments, Kitchen installations, General Plumber Repairs, Disabled bathrooms, Disabled WC, Fall heating systems, Radiators, Boiler installation, Boiler replacement, Boiler servicing, Thermostats, Gas valves, Circuit boards, Drainage & waste pipe, Blocked manholes, Central heating installations, Underfloor heating repairs, Leaking radiator valves, Emergency Plumbers, Leaking toilets, Boiler service & maintenance, Boiler breakdowns, Local Plumbers, Leaking boilers, Leaking washing machines, Leaking dishwashers, Gas engineers, Heating engineers, Corgi plumbers, Emergency boiler repairs, Gutter cleaning, Gas safety certificates, Landlord certificates, Gas safety checks
(- KT1, – KT2, – KT3, – KT4, – KT5, – KT6, – KT7, – KT8, – KT9, – KT10, – KT11, – KT12, – KT13, – KT14, – KT15, – KT16, – KT17, – KT18, – KT19, – KT20, – KT21, – KT22, – KT23, – KT24) Kingston upon Thames, Hampton Wick, Norbiton, Coombe, New Malden, Old Malden, Worcester Park, Surbiton, Berrylands, Tolworth, Long Ditton, Thames Ditton, Weston Green, East Molesey, Hampton Court Palace, Bushy Park, West Molesey, Chessington, Hook, Malden Rushett, Esher, Claygate, Hinchley Wood, Cobham, Stoke d'Abernon, Downside, Hatchford, Walton-on-Thames, Hersham, Whiteley Village, Weybridge, Oatlands, Saint George's Hill, Byfleet, West Byfleet, Addlestone, New Haw, Woodham, Chertsey, Ottershaw, Longcross, Lyne, Epsom, Ewell, Stoneleigh, Tattenham Corner, Headley, Langley Vale, West Ewell, Horton, Longmead, Tadworth, Kingswood, Lower Kingswood, Walton-on-the-Hill, Burgh Heath, Mogador, Box Hill, Ashtead, Leatherhead, Oxshott, Fetcham, Great Bookham, Little Bookham, West Horsley, East Horsley, Effingham, Guildford, Mole Valley, Sutton
Epsom, West Ewell, Stoneleigh, KT19h can be found In London and is one of the inner boroughs. Its one of several within the city, and is home to more than 240,000 residents. Homes here vary from single story dwellings to apartments, and while they all have their own unique qualities there are some things that they all have in common ? plumbing being one perfect example.
Were proud to provide standard and emergency plumbing services throughout Epsom, West Ewell, Stoneleigh, KT19 areas. and believe in giving you the best results possible every time. Our specialists are able to offer you plumbing, drainage, and heating system solutions as well as appliance repair when it's needed. We stock our trucks challenging important materials and tools, too, so you dont have to get worried about us arriving and then departing for hours on the source run. We make it happen fast and complete the job.
Plumbing Services
We provide a full selection of plumbing services at Epsom, West Ewell, Stoneleigh, KT19 Plumbers, and we realize our customers are the most crucial part of our job. That probably explains why we've a lot repeat business. On top of that, we proudly screen our basic charges directly on our website which means you dont have to attempt to wrestle a remedy out of the representative ? something thats all too normal with a great deal of other plumbers in Epsom, West Ewell, Stoneleigh, KT19.
Emergency Plumbing Services
We also know that whenever plumbing issues hit it can spoil your entire day or evening. Whether its being still left without water for reasons uknown or an abrupt burst tube thats flooding your home ? plumbing emergencies cant be ignored. You can expect 24 hour emergency plumbing service 7 days per week so regardless of what your trouble may be, youll get help within a matter of 1 to two hours at most.
Epsom, West Ewell, Stoneleigh, KT19 Plumbers
We know it could be difficult to find a good plumber in Epsom, West Ewell, Stoneleigh, KT19, but were here to help change that. We make use of highly skilled specialists who can provide you with the results that you'll require, regardless of what the matter accessible might be.


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OpenLink Lite Edition ODBC Driver for PostgreSQL 6.3
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text: Noah J. Nelson A Comics Crusader Takes On The Digital Future By Noah J. Nelson • Aug 7, 2012 He wouldn't make the claim himself, but when it comes to comic-book writers, Mark Waid is one of the greats. "I've pretty much hit all of the pop culture bases," Waid says, surrounded by comic-book memorabilia in his Los Angeles home. Batman, Spider-Man and even The Incredibles have all had adventures dreamed up by Waid. "Jan. 26, 1979, was the most important day of my life," Waid says. "Because that's the day that I saw Superman: The Movie. I came out of it knowing that no matter what the rest of my life was going to be like, it had to involve Superman somehow."


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Jim, a 65-year-old Floridian, has battled bipolar disorder for more than two decades. He raised a family and owned a successful business. He is now retired and spends his time reaching out to others with mental illnesses.
What was your first sign that something was wrong? What symptoms did you experience?
I had my first episode of bipolar illness in 1979. I was visiting my parents in Florida and started talking constantly. I couldn't sleep. I ended up in the emergency room with a diagnosis of manic-depression. I stayed with my parents for about a month and didn't discuss the illness. When I returned home to Illinois, I flushed the pills down the toilet.
During the next two years, I did pretty well, even though I kept having mood swings. Then in 1981 after being promoted to vice president of the company, I started to unravel. I was traveling to a conference with several associates and made a fool of myself on the airplane. I became loud and shoulder-blocked a copilot. When I reached the hotel, I came unglued again, sitting on the floor, drinking scotch and refusing to let anyone in the room. The paramedics came, put me in a straight jacket and took me away on a stretcher. It was humiliating. At the hospital, I stayed locked in a quiet room for three days. I remember praying a lot. I gained a lot of humility during those three days.
What was the diagnosis experience like?
I dismissed the first doctor's diagnosis. When I got home, I went to my general practitioner, who referred me to a psychiatrist. But I didn't want therapy. I denied my illness. By the time I needed help again, I was an inpatient in a psychiatric hospital, where I received counseling and drugs.
I became manic and depressed again after surgery for cancer in 1986 and after back surgery in 1991. In 1993, I became extremely depressed. The antidepressant medications couldn't pull me up. I seriously considered suicide and admitted myself to the hospital. The doctors gave me so many medications; I had a manic episode. Eventually, the doctors were able to stabilize me.
What was your initial and then longer-term reaction to the diagnosis?
I didn't believe the first emergency room doctor. It's easy to blame bipolar episodes on something else and not the fact that your mind is not perfect. I was afraid if anyone found out about the diagnosis, my career would be down the toilet. Depression and mental illness carried such a stigma back then.
When I look back, I realize bipolar illness has been with me all my life. I'd have active episodes then down periods. Now, I try to chart my moods. I know I will have more episodes, even with the medication I take. Overall, I maintain a good, positive attitude. People have to take responsibility for this illness. Everyone gets something at sometime. What matters is how we deal with what we are dealt.
How is your disease treated?
I take medication to control manic episodes and depression. I also take a sleeping pill when I cannot fall asleep. I've been to counselors and therapists, who have helped me work through my issues.
Did you have to make any lifestyle or dietary changes in response to your illness?
No. I can't do anything physical for any length of time. It's demoralizing. I'd like to exercise more, but the cancer surgery left me with little leg muscle. I watch what I eat and avoid putting on weight.
Did you seek any type of emotional support?
I wanted to meet people like me. In Illinois, the closest group met 45 miles away and was very secretive. When I moved to Florida, I worked with a psychiatrist to start a local support group, and I began speaking to groups. If I can light one candle, it is better than the curse of darkness. I still participate in support groups. Groups bring people together. It's a way of coping.
Did/does your condition have any impact on your family?
My second wife has lived through this illness with me. Without her, I don't know where I would be today. My parents didn't want to talk about it. I didn't realize I was depressed while married to my first wife, but the disease probably contributed to our marital problems.
What advice would you give to anyone living with this disease?
When you need help, reach out. Get counseling. Contact the National Depressive and Manic-Depressive Association for information and lists of support groups. Folks with bipolar and depression have an excellent chance of living with a stable condition, returning to work, and enjoying life. A lot has to do with your attitude toward the illness.


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PickupHockey Pro
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quote:Originally posted by andyhackShawn deserves a huge suspension for a totally despicable act. 10, 20 games is not enough. 40 games minimum. The message has to be stronger. You do crap like that, you don't play for half a season plus.Edit - maybe even more - again, as I have said many times here, our view of a "long" suspension is out of whack. Maybe even 40 isn't so "long" for this - I go back and forth on that pointBut, I do think that this is the case of a basically good guy who just lost it, partially due to his own character flaws, partially due to the crazy culture of hockey, partially due to a uniquely bizarre period of unfortunate incidents, and maybe most importantly for all the self-righteous commentators out there willing to assassinate the guy's character and career now, partially due to defects in the make-up of many human beings (including me, but not including the rare saint out there) who unfortunately are prone to sometimes doing terrible, awful and,yes absolutely disgusting (even for a huge Bruin fan) things.
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quote:Originally posted by andyhackSlozo - I guess your caveat is a big reason why I go back and forth on whether it should be more than 40. But what if we were were talking about way more dire circumstances for Orpik now? Then of course mostly everyone would be calling for Shawn's neck. Many would want way more than 40 games and perhaps rightfully so. This is the point on the other side of the coin for me. Should we let the merely lucky inch or two, or perhaps the 1 or 2 degree angle of a sucker punch, or perhaps some other very fortunate lack of something here or there that saved both guys from infinitely more heartbreak, determine the way we delve out penalties? Sometimes I think "absolutely no" is the correct answer to that question. In other words, assume Orpik is paralyzed or dead now, and penalize on that basis.I know it sounds drastic, and that's why I go back and forth. But suddenly 40 doesn't seem so "long" anymore, does it
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quote:Originally posted by Guest6744Orpiks should have been expecting a fight after delivering a huge hit to a player who has just recently come back from a concussion. Now if thorton was going to attack him it should have been right then when Orpiks is expecting it. Not from behind in a scrum over a completely different issue. I still think 15 games is too much, considered to Neals easy 5. A knee to the head is just as bad as 2 or 3 punches to the head, even if it didn't result in an injury. Either thorton or Neal should have gotten a 10 game suspension.
quote:Originally posted by mandree888 i don;t care if the the guy that got hit isn't injured basing a suspension on the outcome is STUPID!
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John Pinette
Fresh off his successful starring run on Broadway playing the role of 'Edna Turnblad' in the hit musical 'Hairspray,' John Pinette has returned to the stand-up stage. When asked to describe his stand-up, John Pinette says, "I talk about my life, it is the funniest thing I can think of. For some reason, people enjoy seeing me lose my cherub like demeanor".
John Pinette has been entertaining audiences around the world in a variety of ways for over fifteen years, but it is making people laugh that John enjoys most of all. He was named Stand-Up Comedian of the Year by the American Comedy Awards in 1999 and has received a Gemini Award nomination for his superb televised performance at The Montreal Comedy Festival in 2000. His brand new Comedy Central Special and DVD entitled "I'm Starvin'" was released in January of this year as a follow up to his enormously successful CD 'Show Me The Buffet'.
Born just outside of Boston, Massachusetts, John has always had a gift for making people laugh. When he learned that he could actually make a living for doing so, John left behind his life as an accountant and began his comedy career. It wasn't long before he was touring comedy clubs around the country. Shortly thereafter, John got his big break when he was asked to tour with Frank Sinatra. Since then he has become a regular guest on The Tonight Show and The View.
John has also enjoyed a long acting career in both television and film. Duets, starring Gwenyth Paltrow, Dear God, starring Greg Kinnear, and Junior, starring Arnold Schwarzeneger are just a few of John's film credits. He was a series regular on the hit series Parker Lewis Can't Lose, and starred as the car-jack victim in the final episode of Seinfeld. John can also be seen as the lovable 'Mr. Bumpo' in The Punisher starring John Travolta and Thomas Jane.
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Home > Exhausts > Aprilia > Tuono 1000R (06-11)
Brand: SP EngineeringExhaust Finish: Polished StainlessSleeve Length: XLS (300mm)Outlet: Moto GPShape: Round
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