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Skip to comments.Why Tort Reform?
Posted on 11/20/2004 6:52:04 AM PST by pickrell
Interview with a housewife and mother. Name withheld to protect the innocent. (In this case me, since she'll "zero my blood pressure" if I print it...)
***** So you used to be an OB/GYN? But no longer?
"Yes. Now I raise my children, instead of delivering others. The choice was made for me...a function of cost-benefit reality today."
***** For the Freepers, then, can I ask you to explain health care costs, from a point of view inside the profession?
"Well, I can try show you what I ran into, at least, in the years in which I could afford to practice.
After borrowing the money necessary to complete medical school, and survive the following internship period, I further arranged a loan to hang out my shingle on a modest office. Some work was done there; more was done at the local hospital.
Until my practice could expand, I handled every function myself. For anyone who starts his own small business- and make no mistake, medical practice is a business, incurring all of the attendant expenses, and more, that every other small business faces- the regulations and paperwork are the part of the equation that the 'customer', (in this profession the 'patient'), never sees.
My practice, like the average OB-Gyn, generated roughly $ 350,000.00 in billings on a given year. This stems from what is considered the full-time average for this specialty of 120 hours per week. Yes, you heard right! It is a profession that can absorb every waking hour of your life, excepting the times where you vacation hard to remind yourself that you used to have a family, and a life, too.
But note the word 'billings'. At least 30% of those billings, on average, go unpaid, and are later found to be uncollectable. That's $105,000.00. This figure takes into account contractual writeoffs. If the practictioner puts aside strict financial sense, and also accepts Medicaid patients, the additional amount unpaid neatly cancels out the additional Medicaid receipts taken in. It is effectively charity.
This then leaves total receipts of $245,000.00, which the IRS charges to me as gross taxable income. But before I run out and buy that cabin cruiser...I have a few disbursements to make...
Between $ 100,000.00 and $ 150,000.00 comes right off of the top, paid directly to the malpractice lawyers. This is for the most reasonably-priced malpractice insurance. It's a form of legalized extortion. I was fortunate to operate in Michigan. In some other states, from what colleagues tell me whenever I complain, malpractice insurance can be double this number! In neighboring Ohio, it may soon be unobtainable at any price! Understand- this is protection money being paid. True, no goons now come around in pin-striped suits-...they have refined their techniques over the years.
If you pay your defendant lawyer firm, you get to continue to practice. If you don't pay, the defendant lawyer's buddies, known as the plaintiff's lawyers, will take everything that you have. Incorporation serves as no shield, since collateral for your business loans exposed your house and all of your belongings to attachment per judgement.
Not only that, but if you don't pay, you will be unable to practice in any hospital; because the hospital knows, (though it isn't spoken of publically for fear of retaliation), that the plaintiff lawyers care nothing about justice or truth. Their clients are merely convenient opportunities to empty the deepest pockets of anyone who can however remotely be tied to a case.
And as long as that 400th patient doesn't get the outcome they wanted, and the lawyer accesses them to have a usable "good victim look" on the witness stand, the harvest goes on. Seven years ago, I paid $ 50,000.00 in malpractice premiums. In the subsequent years, depending on the "harvestability" of the medical specialty, the premiums have risen between 300 and 400 percent. In fact, the returns are now SO lucrative that they can fund a race for Vice-President, with plenty left over for townhouses in Malibu, and the newest executive model private jets."
***** But surely, this hasn't all come because of some sudden, mysterious deterioration in the medical profession's skills or knowledge? The body of knowledge in your field grows every year, and your skills and techniques improve with time, technology and experience, we assume?
"...And new drugs and techniques can now reverse some of the self-inflicted damage that young mothers inflict upon themselves and their unborn children. Premature babies can now survive at ever earlier delivery times that would have meant certain death years ago. But even with all of our accumulated knowledge, we can't banish entirely the fact that life happens."
***** So, it could be said that this rising cost has come about through improvements in the techniques of attorneys who can afford to pay professional witnesses for junk science, counting on the ever decreasing education and sophistication levels of carefully chosen juries. In a word, the attorneys have more time on their hands than you do. But I won't interrupt again.
"Well, this then, leaves me with roughly $ 100,000.00 of GIAPP. (Gross income, after paying protection.) Now, out of that number comes office overhead, which can be somewhere around 30%-40% of the remaining $ 100,000.00. No, the electricity, postage, worker's comp, telephone, etc. are NOT free to doctors!
That leaves me with $ 60,000.00 to jet to Paris-...But wait! Now comes my income tax, at the 30% bracket for the Feds, with additional owed to the city and state. With the $ 40,000.00 left, I forego the tickets to Europe, and instead canoe to Ann Arbor.
But I'm not done yet. I have several children, and I'm in a profession that demands that I be ready to be called out at any minute, day or night. It is illegal for me to leave my children alone, so I pay out $ 25,000.00 per year for the nanny. That is the lowest rate available for full time, live in childcare.
I'm now looking at my remaining...$ 15,000.00 per year. For the first few years, I accepted the losses, and hoped that my costs would go down, or that increasing time spent in the practice would somehow increase my revenues. (I also hoped that a cure would be found for Michael Moore. Not for any specific disease- but just for his being a waste of connective tissue...). Hopes crash under the tread of reality.
OK. Figure this out. I, as a female ob-gyn work 120 hours per week, go through the emotional stress of leaving my husband and kids anytime, anyplace, without any warning, and have no choice but to leave the running of my house to some other woman. I get to carry the emotional and physical concerns of my patients to heart, and am further rewarded to know that everything I say, at any time, to any patient, can and will be cheerfully used against me in a court of law. I have absolutely no time to look after my own physical needs, and then find out that my real take home pay (after calculating and paying out all of the expenses needed to keep me employed) is less than I can make hanging drywall..."
***** Mrs. -------, I thank you for taking the time to explain to all of the Freepers just how this career field works. To get the other side of the story, I spoke with an attorney experienced in tort law.
***** So, does the solicitor have an answer to the complaints of the baby doctor? (This female attorney practices in Ohio).
"In fact, we have. Most of the losses which drove up insurance rates in the last 8 years weren't due to amounts necessary to cover plaintiff recoveries. The fact is that the insurance industries lost massive amounts of money in the stock market where they count on multiplying their profits by investing the premiums that they collect. When the market tanked in the late 90's, they were hurt. But for quite a few years now, the market has recovered nicely, and their original losses were made good. The real subject for a Senate investigation should be the fact that premiums haven't gone back down since then! They are now making an obscene amount of profit; far above what they need to cover court awards."
***** I am left to peruse a few facts about Ohio. The number of companies offering insurance to physicians here has dropped from 20 to 5 in the last few years. And several of those five have either decided to drop out or are considering dropping out of the market here in the near term. They have created a sense of panic among the politicos here.
In August, Governor Taft instructed the Ohio Department of Insurance to create a program to help Ohio medical professionals who are experiencing difficulty in obtaining medical malpractice liability insurance. The Medical Coverage Assistance Program (MCAP) is the Departments response to the Governors charge. It is a temporary, voluntary program operating under the supervision of the Superintendent of Insurance created to: 1..Promote stability in the Ohio medical malpractice liability insurance market 2..Assist medical providers in obtaining medical malpractice liability insurance coverage when coverage is difficult to find in the market.
Ohio also recently enacted bills 215 and 281, which will mandate review by medical boards before cases can be brought to court and which cap damage awards by courts.
I do know this...in OUR small electronics business, if an endeavor proves lucrative to us, we seldom exclaim "Darn! This is generating an "obscene amount of profit" for us! We need to close this operation down, and find an new area where we can lose money like drunken sailors!" But then, that's just us...
Like any Freeper, I can only examine what facts I come across. The American Medical Association now warns that 19 states are in crisis due to the malpractice premium problem. The questions I have for the Freeper lurkers, here, are:
Why is it that when ObGyns are surveyed, over 80% would not recommend this specialty to young medical students considering obstetrics and gynecology?
Why have 1 out of 6 ObGyns retired in the last 6 years?
Why is it becoming impossible for new mothers to find a baby doc?
Is tort reform necessary, and if so, how will John Edwards maintain his lifestyle? Will his hair suffer?
No one seems to know.
..and if so, how will John Edwards maintain his lifestyle?"
He doesn't deserve the lifestyle, so shouldn't BE allowed to maintain it.
"Will his hair suffer?"
One hopes that he soon resembles Lex Luthor.
we need that cia operative that tried to de-hair Castro back in the 60's --- give him another chance to redeem his errors and earn the gratitude of his (her?) country.
Thank you. That was excellent.
Loser pays. Make all or most of the frivolous suits go away. Time to start excising the lesions surgically in order to expurgate all of the John Edwards' of this nation and all of his ambulance chasing buddies.
Great article. Tort reform is needed now. However, unless we vote out the lawyers from among the 'lawmakers', that will prove to be difficult.
Situations like Ohio and West Virginia will force the voters to think about it. It could be one of the defining issues in the next few elections.
Keep the faith.
We have to stop electing lawyers.
Lawyers are proof that homosexual relationships beget children.
"One hopes that he soon resembles Lex Luthor..."
That's cold, Warthog...And funny!
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
My car was damaged by a malfunctioning garage door that is maintained by my home owners' association (HOA). I filed a claim against the HOA's policy. The insurance agent said I was at fault and filed a claim against my insurance. The claim was investigated, and, based on the evidence, it was found that I could not have been at fault. I again tried to file a claim. Finally the agent filed a claim, but it was against the wrong policy. After almost a month, I was finally successful at getting a claim filed against the correct policy. Now the adjuster will not return any of my or my insurance company's phone calls (10 in all). State Farm is a big company, so I have no idea where this adjuster is. I do have the agent's name and address. Is that who I take to small claims?
Your lawsuit is against the HOA; and potentially any company that is responsible for managing the property. If there was recent maintenance on the garage door, you would also name the company that performed repairs and/or maintenance on the garage door. Best of luck!
Information posted or made available on or through the Site, including without limitation any responses to legal questions posted in Avvo Q&A, information provided in Avvo Legal Guides, and any other comments, opinions, recommendations, answers, analysis, references, referrals or legally related content or information (collectively "Legal Information") is not intended as legal advice or to create an attorney-client relationship between you and any attorney. Such Legal Information is intended for general informational purposes only and should be used only as a starting point for addressing your legal issues. It is not a substitute for an in-person or telephone consultation with an attorney licensed to practice in your jurisdiction about your specific legal issue, and you should not rely upon such Legal Information. You understand that questions and answers or other postings to the Site are not confidential and are not subject to attorney-client privilege.Ask a similar question
You should include the HOA and any other company/person that handles the maintenance of the gate as defendants in the small claims action. Good luck.
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I answered a question like this only a week ago.
You should sue the HOA. Do not worry about insurance companies., they will get involved if you win. Do not worry about agents, as they are protected by the companies they work for.
IF you have further questions, be sure to speak with a alwyer that knows Small Claims. Try: www.smallclaimsappeals.com
Adam Jaffe Law Office of Adam Jay Jaffe 124 Lomas Santa Fe Dr, #204 Solana Beach, CA 92075 (619) 810-7964 www.smallclaimsappeals.com firstname.lastname@example.com This posting is provided for "information purposes" only and should not be relied upon as "legal advice". Nothing transmitted from this posting constitutes the establishment of an attorney-client relationship. Applicability of the legal principles discussed here may differ substantially in individual situations or in different states.Ask a similar question
Forgot: <r. Lassen is correct, you can also sue the management company; however, the courts in Chula Vista may not want to assign blame to anyone other than HOA. You will need to be prepared to have some kind of expert testimony on why the door malfunctioned and it was not your fault. Also, any witnesses who were present will need to be there.
Sue the HOA in small claims court. Get an estimate of the damages and carry three copies of the investigation report that states you were not at fault. Also you can testify in court just like in Judge Judy. Best of luck.
This answer is provided by California Accident Attorney Manuel A. Juarez, Esq., 510-206-4492. Abogado de Accidentes de Autos de California: 510-206-4492. Abogado de Lesiones de Accidentes de Autos, provides answers of a general context. These answers are not intended to form an attorney client relationship. Oakland Abogado Accidentes Autos, Abogado de Lesiones Personales, Abogado de Accidentes de carros, Abogado de accidentes de Peatones, practices in Antioch, Berkeley, Concord, Oakland, Hayward, Martinez, Newark, Richmond, San Francisco and San Rafael. El abogado de lesiones y heridos en accidentes de autos, is licensed only in California. This information is good only in California and it is not to be taken as legal advice on car accidents, personal injury, divorce, bankruptcy or in any other type of situation. Esta respuesta es del Abogado de Accidentes de Autos, Abogado de Lesiones Personales, Abogado de Heridos en Accidentes de carros, Manuel A. Juárez, 510-206-4492. Abogado Hispano de Accidentes, Abogado de Divorcios, Abogado Latino de Accidentes, Abogado de Accidentes de Oakland, Hayward, San Francisco, California. Estas respuesta son solo para información general y no consisten en consejo legal sobre divorcios, mantención de esposas, mantención de hijos o bancarrotas. Las respuestas son comentarios legales que no forman una relación de abogado y cliente. Manuel Juarez, Esq., esta licenciado solo en el Estado de California.Ask a similar question
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Dr. Robert Smith DO
- Preventive Medicine Elk Grove Village, IL
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Dr. Robert Smith, DO is a Doctor primarily located in Elk Grove Village, IL. He has 39 years of experience. His specialties include Preventive Medicine. Dr. Smith is affiliated with Provena Mercy Medical Center and Rush Copley Medical Center. He speaks English.
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Dr. Robert Smith has the following 1 specialty and 1 board certification.
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madsberg (69) Søborg, Denmark | October 21, 2008
Sunnys is one of the places in Bangalore, where Belgian beers are available. There are some 8 - 9 beers that can be bought around town, but seldomly all beers are available at the same place at the same time. This goes for Sunnys too. I've been there several times, but all beers on the Belgian Beers menu has not been available when I'm there. With that said Sunnys is definately a sweet restaurant. Not one of my favourites, but still good food and over average service. I prefer sitting outside, and Sunnys suffer by being close to Lavelle Junction, which can be pretty noisy, but on the other hand thats the name of the game in Bangalore, isn't it. :-).
holybrew (6) Bangalore, India | July 17, 2008
8 belgian beers on bottle. Proper glassware. excellent food and super ambience.


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Thiwe - Don't Walk Away MP3
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- 3/4 cup plain nonfat yogurt
- 1/4 cup extra-virgin olive oil
- 2 tablespoons white wine vinegar
- 2 scallions, thinly sliced
- 1 garlic clove, thinly sliced
- 1/2 teaspoon freshly ground pepper
- Salt
Scoop the yogurt into a paper towel-lined strainer set over a bowl and let stand at room temperature for 30 minutes.
In a mini food processor, combine the drained yogurt with the olive oil, vinegar, scallions, garlic and pepper; process until smooth. Season with salt.


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CLINTON, Miss. — Former Mississippi College and New Orleans Saints running back Fred McAfee was named to the 2015 Class of the Mississippi Sports Hall of Fame, it was announced Thursday.
The Philadelphia, Mississippi, native is a 1991 graduate of Mississippi College and is currently serving as the director of player development for the Saints.
McAfee began his career at Mississippi College in 1987 and is the school's career leader in rushing yards (4,416), attempts (811) and touchdowns (38). He helped lead the Choctaws to Gulf South Conference championships in 1988 and 1990 and a trip to the Division II national championship game in 1989, a game the Choctaws won 3-0 over Jacksonville State.
In 1990, McAfee rushed for a school record, 1,583 yards with 17 touchdowns as the Choctaws won their third overall GSC title. McAfee earned All-American honors and finished third in the Harlon Hill Trophy voting, honoring the top Division II player in the nation. In 2011, he was elected into the NCAA Division II College Football Hall of Fame.
McAfee played 16 seasons (1991-2006) in the NFL for the Saints, Cardinals, Steelers and Buccaneers. He played in 194 games in his career, including 122 contests in two stints with New Orleans. Picked by the Saints in the sixth round of the 1991 NFL draft, he played for three of the club's five division champion teams and has been affiliated with the team for all five, including the 2009 Super Bowl XLIV champions.
McAfee first played for the Saints from 1991-93, leading New Orleans in rushing as a rookie with a career-high 494 yards. That season, the Saints won their first NFC West title. After a seven-game stint with the Cardinals in 1994, he was signed by the Steelers later that season and stayed until 1997, serving as special teams captain for two years.
He rejoined the Saints in 2000 and was voted to the Pro Bowl in 2002 for his special teams play. His final game was the 2006 finale against Carolina, and one of the final carries of his career was a 6-yard run for a touchdown in the third quarter.


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Hello All
I have email server and Im using ISPCONFIG 2 + WEBMIN + POSTFIX + DOVECOT
This email server i test first in our internal, I dont understand how does PGP works in email encryption. If the email message is encrypted by this PGP
how does it works.
any tutorials please?
Please help
5 Replies
Nov 13, 2010 at 1:20 UTC
pgp is normally used to encrypt the email message at the client (sender), the exchange server only can see the encrypted email. The receiver uses pgp to decrypt the email message.
Was this what you were looking for?
Nov 13, 2010 at 10:21 UTC
IT Journey, LLC is an IT service provider.
What are you trying to do? Do you want secure messaging?
Nov 14, 2010 at 5:44 UTC
Thanks for your reply yes i want o secured our email when sending to the recipients.
is there any solutions that this security will manage by our email server no need to config in email client,
i found one tutorial but this is for email client configuration just like thunderbird... is it possible the server will control our email security like pgp when the user send a message automatically encrypted.
Nov 14, 2010 at 9:22 UTC
You can't use the server to secure the email - the email would not be secure then. You have to secure it from the sender to the recipient - if it makes it to the server without being encrypted, anyone could read it.
Nov 15, 2010 at 5:37 UTC
There is a server solution, but it's not free:
It's part of Symantec
Here's a link about pgp.
Lot's of info there and (free) programs too
This discussion has been inactive for over a year.
You may get a better answer to your question by starting a new discussion.


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London's been bit by a heat wave of late, so it's little surprise that people are lined up outside the Soho location of Snog, a two-year-old hip chain of frozen yogurt shops that now dot the city.
Reportedly among the fans of Snog -- Brit-speak for making out -- is Kate Middleton, who, according to co-owner Rob Baines, has expressed interest in serving the dessert along with her wedding cake.
"We are suggesting Posh Snog, which is our natural yogurt with berries and chocolate shavings," Baines told the Evening Standard newspaper. (Posh Snog pictured above)


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The Frog Who Couldn't Jump (Life Lesson Series)
The Frog Who Couldn't Jump is a delightfully illustrated full color picture book with an entertaining story line.
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Today's Devotional
Streams of MercyWhat steps can you take to adopt God's perspective on mercy?
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At other retailer: $220.53
Save $66.19 (30%)
I purchased this scope with high hopes thinking it would be a great deal for the money. First off, it is not a totally bad scope however I ended up much happier with a smaller objective lens of a higher quality "B" brand for about $30-$50 more. Even a 60mm objective lens with better glass will make this rig look like a cheap toy. The biggest complaints I have with this scope is the focus and the zoom. The focus is actually on the front by the big front lens and is really a pain to adjust while looking through the scope without moving it all over the place. You have to turn that big ring A LOT in order to focus, this is a big drag. Most other scopes have the focus knob located near the eyepiece so you can roll it with your finger(s) while looking through the eyepiece and do it quickly. The BIG focus ring makes this scope not very fun to use when changing targets. The zoom function works, however when you zoom in it seems the field of view gets very small and blurry - much worse than other manufacturers. Lastly, the main reason why I couldn't live with this scope is that comparing it to others - it has darker glass and just is not as clear. I went to a major outdoor outfitters store and actually tried various other scopes they had on display. It was immediately clear that this particular scope cannot hold a candle to other's glass quality and ease of focus/zoom. Get a scope with a smaller objective, better glass, and easier focus. Barska should include less "goodies" (case, bag, etc) and a better product. All in all,not bad but just pony up a few extra dollars and get something easier to use/more compact/better glass/easier focus.Read More
I like the product but it may be a bit over powered. The field of view is small and the depth of focus is limited. I just wish it had listed the case and tripod that come with it. I ordered a tripod because it appeared to not have one.Read More
very poor optics not much useable past 65 power anything past 65 gets fuzzy and not very clear the focus ring on the scope is very hard to turn and in a bad place on the front of the scope I have a *** which is far better for the about the same price made in russia.if you are not wanting a quality scope with a very clear view this scope is ok just not high quality optics.I guess you get what you pay for.Read More
To quote my son who this was bought for... he loved the case and all the acessories too.Read More
This is way to difficult to focus. It takes way to much time to deal with.Read More
Whether bird watching, game spotting or use at the firing range it makes things clear to the eye. Well worth the money.Read More
This spotting scope has a lot of magnification but it's not really usable past 75xRead More
We love this scope so much we started purchasing it for all our friends. It makes a great gift and is a very good quality.Read More
I was disappointed with the quality of this scope. Basically, it fell apart on the second day. The unit is made of plastic and the pieces screw together. It kept coming apart and the threads stripped easily. My expectation was that this was of higher quality.Read More
dynamic focus wouldn't work at all, could not see targets clearly. returned scopeRead More
Poor glass quality, i admit being cheap and try to save a few bucks here is proving to be a mistake... my *** mark4 8.5-24 scope mounted on the rifle has a better image clarity than this, especially knowing the fact that this is rated at 25-125x88mm power spotting scope, i would say the description is bloody deceiving.Read More
I bought this scope to align two radio antennas 1.5 miles apart. It worked very well. Now I plan to use it for stargazing.Read More
The first one arrived and we thought it was defictive. Maybe gass leak? It would get blurry at distance of 165 yds. Couldn't see the bullet hole.The second one was the same thing. They are built nice, have a nice case but I thing they skimp on the lens quality. Going to buy one that is up to 60 power, maybe it will have better quality lens?Read More
I hadn't realized how much my un-aided distance sight had deteriorated. I have no problem seing the bullet strike now.Read More
I just recently received this item and I am impressed thus far. The affordable price, optic clarity and the hard & soft cases are great. The only problem is the tripod. The scope can easily fall forward.Read More
I can't understand the one review that said that it is not as clear over long distance. I have it turned up all the way and looking through a dirty window on a dark cloudy hazy day. Guess what? This scope is nothing but great! If you go to Barskas site you can find out this was once a $324.00 scope. It looks like newer models may be pushing it out, but who cares when you get a buy like this!Read More
Bought the spotting scope for my son for Christmas. He was very impress with the quality. He really enjoys that it came with a hard case.Read More
This scope came with a nice case and a not so nice tri-pod. The tri-pod is strickly for table use and is not that great. The optics on the scope are good but not as clear as they could be. All in all its a good scope and very worth the money.Read More
works great to spot deer in the big swamps!!!! also great at the rifle range , saves a lot of walking !!Read More
Good shipping time, item as described. Would do business again Godd sellerRead More
Barska Benchmark 25-125x88 Spotting Scope
Today $154.34


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New images of Shia LaBeouf, Tom Hardy, & Gary Oldman in Lawless06/29/2012
Here are some fine new images from John Hillcoat's, 'Lawless.' Without a doubt one of the most anticipated films of 2012, it features a stellar cast in Tom Hardy, Shia LaBeouf, Jason Clarke, Mia Wasikowska, Jessica Chastain, Guy Pearce, Dane DeHaan and Gary Oldman. Adapted from Matt Bondurant's novel 'The Wettest County in the World: A Novel Based on a True Story,' 'Lawless' formerly went under the title 'The Wettest County.'
I still can't get over this cast. I really like all of these actors and it will be nice to see Shia outside the prism of Transformers again. Oh, and I can't wait to hear a new accent from Tom Hardy. He ditched the Bain voice for this film, right?
We don't yet have a trailer, but we have an official synopsis. It goes like this: 'We control the fear, you understand? Without the fear, we are all good as dead.' Acclaimed director John Hillcoat (THE ROAD, THE PROPOSITION) delivers a thrillingly vivid slice of American outlaw history in his epic gangster tale, LAWLESS. LAWLESS is the true story of the infamous Bondurant Brothers: three bootlegging siblings who made a run for the American Dream in Prohibition-era Virginia. Based on author Matt Bondurant's fictionalized account of his family, "The Wettest County in the World," the film gathers an ensemble of gifted, dynamic new-generation stars – Shia LaBeouf, Tom Hardy, Jessica Chastain, Jason Clarke, Mia Wasikowska, Dane DeHaan – alongside two of the finest actors of their generations, Guy Pearce and Gary Oldman. A riveting, intense story of crime and corruption, loyalty and love, brutality and tenderness, LAWLESS is a rich addition to the American gangster canon. In the mountains of Franklin County, Virginia, the Bondurant brothers are the stuff of legend. The eldest, Howard (Jason Clarke), managed to survive the carnage of the Great War, but he returned home unmoored by what he had seen and done. His brother Forrest (Tom Hardy) nearly died from the Spanish Flu that took his parents. He beat back death with a quiet strength and ferocious, visceral invincibility that came to define him. Jack (Shia LaBeouf) is the youngest sibling, impressionable, sensitive, smart. Times are tough and jobs are scarce, but the Bondurants are entrepreneurs and have built a thriving local business by concocting an intense and popular brand of moonshine. But Franklin County's bootlegging days are about to end with the arrival of Special Deputy Charlie Rakes (Guy Pearce) from Chicago. The new "law" Rakes brings is lethal and corrupt and will challenge everything the brothers have built and represent. But while the rest of the county gives in to Rakes' ruthless crackdown, the Bondurants will bow to no one.
As the family rallies to fight Rakes, the fraternal dynamic shifts. Jack's ambitions and enterprises alter the balance of power between the brothers as he careens into manhood. Dreaming of expensive suits, fast cars and beautiful women, Jack starts his own bootlegging operation, with his friend Cricket (Dane DeHaan) helping him to soup up cars and build stills – even against Forrest's wishes. Jack starts to prosper, even selling his moonshine to Floyd Banner (Gary Oldman), the big city gangster he idolizes. The lives of the Bondurants are soon complicated by the appearance of two beautiful women: the exotic, steadfast Maggie (Jessica Chastain), who brings a secret past with her and catches the eye of the guarded Forrest – and the quiet, pious Bertha (Mia Wasikowska), who slowly warms to Jack's charms and channels her own rebellious streak. Jack's confidence however soon trumps his good sense, and the consequences will test the brothers' loyalty and endangers them all. Determined to do whatever is necessary to fight for what is theirs, the Bondurants take up arms and confront the corrupt forces of the law in a faceoff to determine who controls the wettest county in the world.
The film hit theaters Lawless' August 29th in the US and September 7th in the UK.
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The Four Agreements A Toltec Wisdom Book
- Edmund Johnson
- 2 years ago
- Views:
1 TM Brian Johnson s PhilosophersNotes More Wisdom in Less Time THE BIG IDEAS The Domestication Of humans. 1st Agreement: Be impeccable with your word. 2nd Agreement: Don t take anything personally. 3rd Agreement: Don t make assumptions. 4th Agreement: Always do your best. The First Step Toward freedom. We Stop Ourselves Let s not blame others. Breaking Domestication Step-by-step. Repetition Makes the master. The Four Agreements A Toltec Wisdom Book BY DON MIGUEL RUIZ AMBER-ALLEN PUBLISHING PAGES You need a very strong will in order to adopt the Four Agreements but if you can begin to live your life with these agreements, the transformation in your life will be amazing. You will see the drama of hell disappear right before your very eyes. Instead of living in a dream of hell, you will be creating a new dream your personal dream of heaven. The Four Agreements. Love em: The First Agreement: Be Impeccable with Your Word The Second Agreement: Don t Take Anything Personally The Third Agreement: Don t Make Assumptions The Fourth Agreement: Always Do Your Best from The Four Agreements This is a really simple, really cool, really powerful book one of the earlier books I read on my own journey and one I think you ll enjoy as well if you haven t already read it! Let s take a peek at some of the Big Ideas Don Miguel Ruiz introduces us to in this book of Toltec wisdom, shall we?! :) THE DOMESTICATION OF HUMANS Death is not the biggest fear we have; our biggest fear is taking the risk to be alive the risk to be alive and express what we really are. Children are domesticated the same way that we domesticate a dog, a cat, or any other animal. In order to teach a dog we punish the dog and we give it rewards. We train our children whom we love so much the same way that we train any domesticated animal: with a system of punishment and reward. We are told, You re a good boy, or You re a good girl, when we do what Mom and Dad want us to do. When we don t, we are a bad girl or a bad boy. Ah, the domestication process. :) In Thus Spoke Zarathustra (see Notes) Nietzsche tells us that: Society tames the wolf into a dog. And man is the most domesticated animal of all. And, Carlos Castaneda, another great teacher who introduces us to the ancient Toltec wisdom (see Notes on The Wheel of Time), tells us that the purpose of the warrior (the ideal person in the Toltec tradition) is to transcend social conditioning as we discover our personal power and learn to live with clear intent and impeccability. The Four Agreements are pretty much an awesome guide on how to do exactly that! 1ST AGREEMENT: BE IMPECCABLE WITH YOUR WORD The first agreement is the most important one and also the most difficult one to honor. It is so important that with just this first agreement you will be able to transcend to the level of existence I call heaven on earth. The first agreement is to be impeccable with your word. It sounds very simple, but it is very, very powerful. 1 PhilosophersNotes The Four Agreements
2 When you make it a strong habit not to take anything personally, you avoid many upsets in your life. Your anger, jealousy, and envy will disappear, and even your sadness will simply disappear if you don t take things personally. Being impeccable with our word. This is big. First, let s look at how Ruiz defines the word impeccability: Impeccability means without sin. Impeccable comes from the Latin pecatus, which means sin. The im in impeccable means without, so impeccable means without sin. Religions talk about sin and sinners, but let s understand what it really means to sin. A sin is anything that you do which goes against yourself. Everything you feel or believe or say that goes against yourself is a sin. You go against yourself when you judge or blame yourself for anything. Being without sin is exactly the opposite. Being impeccable is not going against yourself. When you are impeccable, you take responsibility for your actions, but you do not judge or blame yourself. Brilliant. So when we re impeccable, we don t use our word against ourselves indulging in guilt or shame. We also don t use our word against others in blaming, criticizing or gossiping. We also honor our commitments and only make commitments we intend to follow through on. How re you doing on those fronts? In The Diamond Cutter (see Notes), Geshe Michael Roach talks about the fact that in Tibet they don t even have a word for guilt. As he says: There s no word in Tibetan for guilty. The closest thing is intelligent regret that decides to do things differently. Geshe Roach also describes blame/criticism/complaining/etc. as useless talk. It depletes us of energy and wires our brains in ways we don t wanna be wired. So, uh, let s get impeccable with our word and stop all blame and criticism of ourselves and others; and, while we re at it, let s get rid of all the complaining and gossip as well! :) Now, let s address being impeccable with our word as it relates to commitments. Do you honor your commitments? When you say you re going to do something, do you *really* intend to follow through and then DO you? Or, do you kinda say Yes to every request because you think you need to and you figure you can always flake later? We ve all said Yes too often when a polite No would ve been more appropriate but let s practice honoring our word and the commitments we make, shall we?! (While we re on the subject of sin, did you know that, according to Wikipedia: in the biblical Hebrew, the generic word for sin is het. It means to err, to miss the mark. It does not mean to do evil. Paulo Coelho (see Notes) talks about the fact that to sin, from this perspective, is kinda like an archer missing the bulls-eye. Cool, eh?) 2ND AGREEMENT: DON T TAKE ANYTHING PERSONALLY Write this agreement on paper, and put it on your refrigerator to remind you all the time: Don t take anything personally. Whatever happens around you, don t take it personally if I see you on the street and say, Hey, you are so stupid, without knowing you, it s not about you; it s about me. If you take it personally, then perhaps you believe you are stupid. Maybe you think to yourself, How does he know? Is he clairvoyant, or can everybody see how stupid I am? This is another theme that all the great teachers come back to again and again and again (and again :). How about some Marcus Aurelius, Seneca and Deepak Chopra? Marcus Aurelius (see Notes on Meditations) reminds us not to worry about the opinion of other people who don t even have a good opinion of themselves! He tells us: The approval of such men, who do not even stand well in their own eyes, has no value for him. And Seneca (see Notes on Letters from a Stoic) reminds us that the world is so inconsistent in its opinions we should just be done with it. He says: Away with the world s opinion of you, it s 2 PhilosophersNotes The Four Agreements
3 When you transform your whole dream, magic just happens in your life. What you need comes to you easily because spirit moves freely through you. This is the mastery of intent, the mastery of spirit, the mastery of love, the mastery of gratitude, and the mastery of life. This is the goal of the Toltec. This is the path to personal freedom. always unsettled and divided. While Ervin Seale (see Notes on Take Off from Within) reminds us: There is one recurring, persistent, perennial, and dogging personal problem which, more than any other, steals the force and peace of people and ruins projects and enterprises and careers. It is the habit of feeling hurt because of what others do or do not do and what they say or do not say. Deepak Chopra (see Notes on The Spontaneous Fulfillment of Desire) has a mantra I ve said thousands of times: Why is this such a big deal? Because, as Don Miguel Ruiz says: Nothing other people do is because of you. It is because of themselves. Let s think about it. Imagine interacting with the same person in two different situations. First: the person had an AWESOME day they got a great night of sleep, won the lottery and every other thing that could ve possibly gone well for them unfolded. They re feelin great. How do you think they re gonna treat us? Probably pretty well, eh? Now, same person. This time, they got a really bad night of sleep, lost their job, got in a car accident, didn t eat all day long and every other annoying thing that could ve happened, happened. Not in such a good mood. How do you think they re gonna treat us now? Prolly no where near as well as when they re rested, happy and all that jazz, eh? The important thing to note here is that WE were exactly the same in both situations. But if we base our opinion of ourselves on how someone else treats us, we re in trouble. Again, as Ruiz says: Nothing other people do is because of you. It is because of themselves. 3RD AGREEMENT: DON T MAKE ASSUMPTIONS We have the tendency to make assumptions about everything. The problem with making assumptions is that we believe they are the truth. We could swear they are real. We make assumptions about what others are doing or thinking we take it personally then we blame them and react by sending emotional poison with our word. That is why when we make assumptions, we re asking for problems. We make an assumption, we misunderstand, we take it personally, and we end up creating a whole big drama for nothing. Well, there ya go! The third agreement: Don t make assumptions. Are you making any assumptions about what someone s thinking or doing? Can you see how the drama factor can go down *dramatically* (pun intended) if we just have the courage to ask what s up? As Ruiz says: The way to keep yourself from making assumptions is to ask questions. Make sure the communication is clear. If you don t understand, ask. Have the courage to ask questions until you are as clear as you can be. So Let s identify where we re making some assumptions and have the courage to ask em what s up and get out of the drama of assumption-ville, shall we?!? :) PhilosophersNotes The Four Agreements 3
4 4TH AGREEMENT: ALWAYS DO YOUR BEST There is just one more agreement, but it s the one that allows the other three to become deeply ingrained habits. The fourth agreement is about the action of the first three: Always do your best. Ruiz continues: Under any circumstance, always do your best, no more and no less. But keep in mind that your best is never going to be the same from one moment to the next. Everything is alive and changing all the time, so your best will sometimes be high quality, and other times it will not be as good. Sweet. We need to always do our best if we want to bring the other three agreements alive. And, of course, sometimes we ll be *totally* on and our best will be rock star rockin and other times we might be a little tired and our best won t be quite as stellar. It s all good. Let s take a look at some other Big Ideas related to doing our best from the Greek ideal of Areté (pronounced are-uh-tay ) to Tony Robbins CANI! to the Japanese concept of Kaizen. We ll start with Areté. It s one of my favorite words and ideals. In fact, the site I had before PhilosophersNotes (and Zaadz) was called thinkarete. :) Nobody abuses us more than we abuse ourselves. As I ve mentioned in other Notes, in classic Greece, peeps like Socrates, Plato and Aristotle said that if we want to live with happiness we need to live with Areté a word that translates as excellence or virtue but has a deeper meaning, something closer to striving to do your best moment to moment to moment. Think about it. When what you re doing is less than what you re capable of doing and I m not talking about what you should be doing here, but what your Highest Self *knows* you re capable of there s a gap. And, in that gap is where depression and anxiety and disillusionment hang out. When we close that gap by doing our best, there s no room for the angst/negative schtuff/etc. and we feel REALLY good. Yah? Again, our best will vary but let s thinkarete! :) Tony Robbins has an awesome concept he calls CANI! Constant and Never Ending Improvement. When we show up committed to doing our best and practice CANI!, we re on an incredible upward trend where our best keeps on getting better. (And last time I checked, that s a good thing. :) And, finally, you heard of kaizen? Marci Shimoff describes it this way in her great book Happy for No Reason (see Notes): To make the quickest progress, you don t have to take huge leaps. You just have to take baby steps and keep on taking them. In Japan, they call this approach kaizen, which literally translates as continual improvement. Using kaizen, great and lasting success is achieved through small, consistent steps. It turns out that slow and steady is the best way to overcome your resistance to change. THE FIRST STEP TOWARD FREEDOM The first step toward personal freedom is awareness. We need to be aware that we are not free in order to be free. We need to be aware of what the problem is in order to solve the problem. I love that. How can you change something you don t know needs changing? 4 PhilosophersNotes The Four Agreements
5 If you want to live a life of joy and fulfillment, you have to find the courage to break those agreements that are fear-based and claim your personal power. As Seneca says (see Notes on Letters from a Stoic): The worse a person is the less he feels it. And Vernon Howard (see Notes on The Power of Your Supermind) tells us: Encourage yourself by remembering that any detection of negativity within you is a positive act, not a negative one. Awareness of your weakness and confusion makes you strong because conscious awareness is the bright light that destroys the darkness of negativity. Honest self-observation dissolves pains and pressures that formerly did their dreadful work in the darkness of unawareness. This is so important that I urge you to memorize and reflect upon the following summary: Detection of inner negativity is not a negative act, but a courageously positive act that makes you a new person. So, let s bring some awareness to our quest for personal freedom. These are the Top 5 things I *know* need some work from me: (Well done. :) WE STOP OURSELVES Who stops us from being free? We blame the government, we blame the weather, we blame our parents, we blame religion, we blame God. Who really stops us from being free? We stop ourselves. Reminds me of Joseph Campbell (see Notes on The Power of Myth): Freud tells us to blame our parents for all the shortcomings of our life, Marx tells us to blame the upper class of our society. But the only one to blame is oneself. Let s get out of our own way and rock it, shall we? BREAKING DOMESTICATION STEP-BY-STEP There are many strong beliefs in the mind that can make this process look hopeless. This is why you need to go step-by-step and be patient with yourself because this is a slow process. The way you are living now is the result of many years of domestication. You cannot expect to break the domestication in one day. Patience. I ve heard it s a virtue! :) I don t know about you, but I often want things to change kinda quickly. Realizing that all things (especially great things!) tend to take time, I ve been blissfully developing my patience. Here are a couple of my favorite thoughts on the matter: Epictetus (see Notes on The Enchiridion) teaches us: No great thing is created suddenly, any more than a bunch of grapes or a fig. If you tell me that you desire a fig, I answer you that there must be time. Let it first blossom, then bear fruit, then ripen. PhilosophersNotes The Four Agreements 5
6 And James Arthur Ray (see Notes on Harmonic Wealth) reminds us: Everything has a gestation period, a time period that must pass before things will come into form. If you plant a carrot seed, it takes about seven weeks for the sprout to make its above-dirt entrance. Bamboo, which can grow up to thirteen feet in as little as one week, takes up to seven years to break through the surface of the ground. But for seven long years it looks like absolutely nothing s happening. Now that takes some commitment. How about you? Feeling a little impatient about your growth? Let s chillax and just take it step-by-step and enjoy the journey! :) REPETITION MAKES THE MASTER All of these old agreements which rule our dream of life are the result of repeating them over and over again. Therefore, to adopt the Four Agreements, you need to put repetition into action. Practicing the new agreements in your life is how your best becomes better. Repetition makes the master. Repetition, repetition, repetition. It s the stuff of Mastery. As Aristotle tells us: We are what we repeatedly do. Excellence, then, is not an act, but a habit. Let s remember to practice these new agreements again and again and again and watch our best get better and better and better! Brian Johnson, Chief Philosopher If you liked this Note, you ll probably like The Wheel of Time Letters from a Stoic Meditations Tony Robbins Paulo Coelho About the Author of The Four Agreements DON MIGUEL RUIZ Don Miguel Ruiz was born into a family of healers and raised in rural Mexico by a curandera (healer) mother and nagual (shaman) grandfather. The family anticipated don Miguel would embrace their centuries old legacy of healing and teaching and as a nagual, carry forward the esoteric Toltec knowledge. Instead, distracted by modern life, don Miguel chose to attend medical school and later teach and practice as a surgeon. Don Miguel began teaching in the United States, with his mother, the Curandera, Sarita in 1987 and over the following years distilled the wisdom that became The Four Agreements. (Adapted from his site where you can learn more about Don Miguel Ruiz and his son Don Jose Ruiz: MiguelRuiz.com!) About the Author of This Note BRIAN JOHNSON Brian Johnson is a lover of wisdom (aka a Philosopher ) and a passionate student of life who s committed to inspiring and empowering millions of people to live their greatest lives as he studies, embodies and shares the universal truths of optimal living. He harts his job. 6 PhilosophersNotes The Four Agreements
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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
A credit management agency took me to court and won. Garnished my wages for a couple months. Then issued a stop garnishment to my work. Now they continue to call and harass me at not only home but work.
I am not sure why they stopped the garnishment but don't look a gift horse in the mouth. They will probably continue to be obnoxious until they are paid.Ask a similar question
There are virtually no facts from which to even guess why they would issue the stop garnishment. As for your harassment claims, you should consider writing them a direct letter (certified with a return receipt) asking them to cease contact. If you have other issues with them, you may want to consult with a debt settlement attorney.
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Chelsea have made no changes to their squad, while Jonny Evans returns from injury to play for West Brom at the Hawthorns stadium.
Will several key injuries haunting the Gunners, Arsene Wenger's attempt to acquire 28-year-old Jonny Evans in order to secure his defence seems to be falling flat, with reports in The Sun suggesting that West Brom intend to reject the £16 million bid for the Northern Irishman.
Everton manager Roberto Martinez has denied moving for Manchester United defender Jonny Evans despite recent reports claiming otherwise.
Manchester United defender Jonny Evans is close to completing a move to Everton for a reported fee of £8 million.
Arsenal are considering making a bid for Manchester United defender Jonny Evans, according to reports.
David Moyes has chopped and changed his centre back pairing this season. But is he sure of his best partnership? Here THT decides to give its opinion on who should be Moyes' preferred choice.
The much maligned trio of Michael Carrick, Jonny Evans & David De Gea have flourished of late and have played an important role in United's title challenge. THT praises the rise of the fallen heroes.
TheHardTackle's Guest Author Uanhoro James walks through the squads of the Northern teams in the English Premier League - Manchester United, Manchester City and Liverpool. In Part 1 of his piece, he studies the defending champions.


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BAD driving was targeted in a day of action in North Dorset following community concerns.
Dorset Police's 'No Excuse' officers caught motorists flouting the law during a targeted operation on the A350 from Poole to Shaftesbury.
It was in response to public concerns over the bad and inconsiderate driving along the A350.
Of the 57 motoring offences detected, officers found 24 examples of drivers or passengers not wearing seatbelts and issued fines.
A total of 13 motorists were caught speeding and those exceeding the education disposal thresholds have the option of a court hearing or a £100 fine and three penalty points on their licence.
Officers also handed tickets to 12 drivers caught while using a hand-held device.
Deputy North Dorset Inspector Ken Morgan said: "We are aware of the concerns of local residents and we have taken a robust approach through this 'No Excuse' day of action."


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Kent, Greenhithe
21 sqft
Bar & Restaurant
Shop Share
Look out over some of Britain's most popular stores and delight Bluewater shoppers with an unexpected pitch here, on the balcony close to John Lewis. Bluewater has already been a successful launch pad for pop-ups from the likes of Volvo, LG and The Science Museum. Come and see what 538,000 weekly shoppers could do for you.
The space covers 2m² in a gap on the balcony near one of the centre's anchor stores. It's best suited to a striking retail kiosk: use sampling, branding and the display of your kiosk to charm people passing by. Unfortunately there's no power or water supply provided.
Bluewater is easy to reach via the M25 or A2, and most visitors take advantage of the free parking and make a day of it. Focus on the experience and you'll be kept busy all week long.
Bluewater houses 330 brands and 50 restaurants over 1,750,000 sq ft. Annual footfall is 28 million, and the centre has the highest UK retail spend, catering spend, conversion rate and dwell time of any UK shopping centre. There are 13,000 free parking spaces available.
Brands are required to submit proposals of stands measuring no more than 2m x 1m and is class 0 or class 1 fire rated. H&S approval must be given by the landlord prior to commencement onsite.
2 x 13amp sockets available on this site.
VAT applicable.
The landlord will pre-approve any stand submissions, risk and method statements and require a £5M PLI.
No power or water supply.
Set in 20 hectares of lakes and parkland, Bluewater is one of Europe's leading retail and leisure destinations. It showcases over 300 retailers and restaurants and offers the very best of Oxford Street, Regent Street and Covent Garden under one roof.With a catchment of 6.6 million people and £13 billion of available spend, Bluewater has the highest retail spend, catering spend, dwell and conversion results in the UK, according to CACI's annual Shopper Dimensions report. The shopping experience is also enhanced by the fact there's over 13,000 free parking spaces, and excellent accessibility via the M25, A2/M2, and Ebbsfleet International.Bluewater is notable for delivering a unique experience for guests, one that is surprising and memorable. Bluewater's track record in hosting successful pop-ups is second-to-none, with brands such as The Science Museum, Volvo, LG, Le Creuset, Leeds Castle, Flutterbyes, Macknade Fine Foods and Penhaligon's appearing at Bluewater in the last 12 months alone.
At Appear Here we believe in the personal touch, which is why everyone gets matched to a Concierge who is there to help you find the perfect space for your idea.


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Photo Upload Notebook - Okay! Magazine
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Customer Reviews (1)
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Photo Upload Notebook - Okay! Magazine
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Contact Us
If you have any questions about giving to Pathways, please contact us at 408‑730‑1200 or at firstname.lastname@example.com
About Pathways Foundation
When you give a charitable gift to Pathways, you touch the lives of others. You probably won't ever meet them in person, but it could be:
- A 39-year-old woman without health insurance who didn't expect to be dying so young
- A distraught elderly man in a grief support group that your gift helped ensure
- A dying child whose volunteer was specially trained with help from your gift
- A woman receiving chemotherapy whose symptoms could not be managed without the palliative care program supported by your donation
- A patient overwhelmed with multiple medications who received a home visit from a Pathways pharmacist
- A patient whose quality of care is enhanced by new technology you helped make possible
Pathways Foundation Events
One from the Heart Awards Breakfast
Featured speaker: Dr. Abraham Verghese
October 26, 2017 from 7:30 a.m. to 9:30 a.m. at the Crowne Plaza in Palo Alto, California
See last year's Event Sponsors here.
Links to the Heart Golf Tournament
Los Altos Golf and Country Club
Join Pathways for a unique opportunity to play the challenging Los Altos Golf and Country Club course with friends, colleagues, or clients while supporting Pathways Home Health & Hospice.
Originally designed in 1923 by Tom Nicoll, the 18-hole, par 71 course underwent a complete renovation in 2004. Meticulously maintained, it is one of the most beautiful courses in the Bay Area.
Space on the course is limited, so if you would like to play, reserve sponsorships that include foursomes early!
Contact Holly Smith, Event & Sponsorship Manager at 408-730-1200 or firstname.lastname@example.com
Bear Hugs Program
We launched our Bear Hugs from Pathways Program in January 2016. Watch the video below to find out more!
Foundation Board
- Mark Kelsey, Chair
- Christine Alloo, Vice Chair
- Ronald A. Castellino, M.D.
- Mari Chazen
- Gina Connell
- Minda Cutcher
- Clarence J. Ferrari, Jr.
- Gunilla Follett
- Harvey Hinman
- Kingsley Jack
- Carol Proffitt