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Emily V. Gordon: You've Decided To Leave Your Spouse -- Now What?

You've hemmed and hawed. Maybe you've been in counseling for months; maybe you've just been quietly observing -- unable to believe it -- as your marriage disintegrated into ignored conversations and diverging lives. No matter the situation, you've decided that you want a separation. (I'm assuming, by the way, that you've thought this through a great deal and aren't just impulsively making major life decisions.) I've compiled a few steps based on my personal experience, my professional experience, and conversations with other people, that may give you some guidance in this extremely traumatic time. Bear in mind, this applies more to logistics than it does emotional preparation.

First stage: Information Gathering

• Tell someone you trust about your plans. This is important both for safety concerns as well as emotional support.


• Are you planning on moving out, or asking your spouse to leave? If you plan on moving out, where will you go? A friend's house? How long would you be able to stay there? Will you find a Craigslist roommate? After you inform your spouse that you are leaving the relationship, you should stop living together as soon as possible. Staying in the same place creates a volatile situation, so have your plans ready before you have the conversation.


• What are your expectations for the separation? Do you see it as temporary, or the first step in the process of divorce? Will you still see each other at all?


• How are your finances set up? If they are all kept in one pot, you technically have the right to half of that pot. Do some serious thought about how you want to handle finances once you are no longer living in the same place, and please, don't let your emotions rule your spending. As any daytime judge show can tell you, spending someone's money or taking their stuff because they hurt your feelings is not justified.


• Start thinking about the items you and your spouse own. What items do you need, and what items would you be okay parting with? Make a list.


• Go through the services you use (Internet, phone plans) and find out what plans are linked, and what plans are not.


• Do you know where all your paperwork is -- marriage certificate, car deeds? Do you know how to access your financial information online?

Second stage: Basics and planning

• Write out a basic script of what you want to say to your spouse. Don't speak out of anger or out of wanting to hurt the other person. Keep the discussion about your experience of the marriage and why you are leaving, not why your spouse failed you. Be as explicit as possible about your expectations for the separation, and be sure, in your script, to ask your spouse what he/she thinks of those expectations.


• If both you and your spouse are employed, consider separating your money that way. Create a very basic budget of the money you'll anticipate spending in your new living situation, and compare that to the money that you make independently. If there's no way that'll be enough, go back and add to your script a discussion about how you would like to divide your income.


• Open a bank account for yourself. You'll be needing one.


• Have all of your bank information handy, as you will most likely be spending time there separating your accounts, redirecting your pay checks, etc.

Third stage: Dropping the bomb.

• Make a deliberate plan to tell your spouse, rather than having it tumble out while you're at a social function, or as he/she is about to leave for work, or when you're angry. If you are at all concerned about your physical safety, you may choose to have the talk in a public place, like a park. Do not do this in a restaurant. Choose a time that is calm, when you're not arguing, and when you have time to talk.


• Have a friend or therapist on call for you after you have the talk.


• Do not have the talk until you have a plan of how to leave. (Now here's where I editorialize a bit: it's my personal opinion that if you're choosing to separate from your spouse, it is your responsibility to leave the house you share. Some people disagree.)


• Go through your script with your spouse, keeping your voice calm, and pause regularly to check in with your spouse. This is a huge thing you are dropping on him/her, and it will take time to be absorbed. In fact, the talk could be broken into several sections, done at different points in time, depending on how each section goes. You could divide it into: "I think we should separate and here's why"; "Here are my expectations for the separation"; "Here is my plan for how this will look."


• Immediately after having the conversation, it's time to separate yourselves for processing, with the option that you can call each other if need be. Set up a place to go.

These aren't foolproof steps, and they won't apply to every couple, but often when we go through emotional situations, we forget logistics or decide they don't matter, and that isn't the case. Emotions are even harder to process if you're couch-surfing or have no access to your money. Think things through before you act, and your spouse will thank you for it.

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Follow Emily V. Gordon on Twitter: www.twitter.com/thegynomite

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'A few guys tainting the reputations'

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Last week, Panthers linebacker Jon Beason took issue with comments from 49ers quarterback Alex Smith regarding the big stats from 2011 generated by Carolina quarterback Cam Newton.

On Tuesday, Beason had more to say during an appearance on SiriusXM?s Mad Dog Radio.

By way of background, here?s what Smith originally said:? ?I could absolutely care less on yards per game.? I think that is a totally overblown stat because if you?re losing games in the second half, guess what, you?re like the Carolina Panthers and you?re going no-huddle the entire second half. Yeah, Cam Newton threw for a lot of 300-yard games.? That?s great.? You?re not winning, though.?

Here?s what Beason said on Tuesday:? ?When you read the comments it seemed like he used the Carolina Panthers as a way to take the pressure off himself, in the meantime taking a shot at us.? Based on what he said I think couldn?t be any further from the truth, actually what happened this season.?

There?s more.? ?I think [Cam Newton] is way ahead of Alex was as a former first-round pick,? Beason told Evan Cohen and Steve Phillips.? ?You know, going into a situation where you?re on the worst team in football, or in an offense that finished 32nd in scoring last year, to an offense that finished fifth, I think you should at least take your hat off to him and understand the situation and the type of pressure that Cam Newton was under this year.?

The bottom line is that, while the 49ers went to the NFC title game, the Panthers offense generated big passing numbers last year, and the 49ers didn?t.

?I think 19 touchdown passes is, you know, not going to get you in a Super Bowl,? Beason said.? ?I think five interceptions is an amazing stat, but it is just like in basketball, if you don?t shoot you can?t score.? So based on what they were able to do and the parts around him, the coach, the defense, I think they did a great job.? You win 13 games you?re the best in the league.? I think that?s the right formula for them but that wouldn?t have been the right formula for us.? So do you take your hat off to Alex Smith?? Yes.? Should he feel good about himself?? Yes.? Should he get upset about having to answer questions about him finishing 29th in the league in yards per game?? That?s a stat.? If you don?t like it maybe fix it but, like I said, in the meantime don?t take shots at other people or other players because you are tired of dealing with that question.?

Beason?s ultimate point is valid.? In defending his relatively bad stats, there?s no reason to knock down those who had better stats.? Newton had the best rookie season of any quarterback to ever play the game.? Regardless of the team?s won-loss record, that?s a fact.

For 49ers fans, it could actually be a good sign that Smith is starting to display a bit of a chip on his shoulder.? And he definitely should have one after the team openly flirted with Peyton Manning before giving Smith yet another chance to prove that he can finally become the guy the organization thought he would be when making him the first overall pick in 2005.

Whether that shoulder-chip generates a better stat line for Smith will be one of the more relevant questions of the 2012 season.

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liberation: NZ Politics Daily: 29 May

At each stage of the ?baby boomer? life cycle the decisions benefitting them have always been pushed as ?what was best (and necessary) for the country as a whole. And so it is now. The current pressure on National to agree to raise the age of eligibility for superannuation is perversely pushed as being necessary to remedy ?intergenerational unfairness? ? see, for example, Grant Miller?s?Doing nothing about super. It?s exactly the opposite in many ways but that shouldn?t come as a surprise to anyone who has tracked the fortunes of this ?lucky generation?.

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If you were born in the 1950s you would have grown up as New Zealand?s economy boomed, with almost zero unemployment. If your family couldn?t afford a decent private rental there were literally entire suburbs of state houses built and available at low rent. These were not the multi-story blocks that later tenants had to endure, but roomy, well-built (and now much sought after) houses with quarter acre sections. If you wanted to own your own house but didn?t have the deposit then your universal family benefit could be capitalised and there were subsidised housing corporation loans to make sure the mortgage payment weren?t too onerous. Most health and education services were, for all intents and purposes, free. School donations were actually donations ? not invoiced with threats of exclusion if not paid.? Tertiary education required almost no fees and living allowances were easily accessible, along with plentiful holiday employment.

Of course the top marginal tax rate was 66% in order to pay for all these benefits. But in the late 80s, just as middle class baby boomers entered their high earning years, the top tax rate was halved. That meant the next generation had to start paying and borrowing for their education, along with market rentals for state house tenants and numerous other user-pays charges.

?

A new generation of graduates already saddled with mortgage sized debt wasn?t really a problem. They were told the need to own your own home was irrational and there were plenty of houses they could rent from the well-off baby boomers, who were furiously investing their surplus income in property, claiming deductions but still free of any tax on their substantial capital gains. House prices rocketed ? which was great for growing untaxed wealth, but was a disaster for families trying to buy their first home.

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Baby boomers who joined Kiwsaver early will have received the highest proportion of Government subsidy for their savings ? the state?s generosity is already being ratcheted down. Kiwisaver funds will be the icing on the cake for baby boomers, but is likely to be the main staple for those that follow with auto-enrolment already planned and compulsion being mooted by Labour (see: Alex Tarrant?s?Labour considers not letting KiwiSaver savings out of NZ). John Armstrong certainly sees the writing on the wall: ?it might survive as a vital back-stop for those unable to save for their retirement if the bulk of workers can draw their retirement incomes from elsewhere. It stands to reason that the more workers there are with KiwiSaver schemes, the less the future pressure on the existing state scheme? ? see:?Shift that would turn Key into a superman.

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Paper boys and girls are having their taxes increased to save a few million and childcare subsidies are being reduced, but huge sums are still flowing to the ?lucky generation? each year. The government apparently had no choice but to fork out $1.6 billion to save (overwhelmingly older) finance company investors who chased a few extra dollars in return for much higher risk. Treasury had kindly underwritten these risks and, as usual, the boomer?s well-being was deemed essential to all taxpayers.

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Particularly hard hit will be Maori, Pacific people and those on low incomes whose relative life expectancy worsened in the 80s and 90s, a gap which has never been made up (see: Otago University?s?Unequal playing fields). The number of years they will be able to securely retire will be dramatically cut ? many Maori and Pacific males will never see a pension. Raising the retirement age is not only an intergenerational transfer of wealth ? it is effectively a massive shift in public benefits to middle and high income pakeha retirees.?

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We shouldn?t be surprised that the ever-increasing health spend goes largely unquestioned and attempts to direct it to more cost-effective prevention rather than treatment continue to be resisted. We can probably look forward in a few years to greater government regulation and subsidies for funeral services ? those customised Harley Davidson hearses don?t come cheap.

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Raising the age of entitlement to superannuation is presented as the only option. It is apparently unthinkable that we should ask the most well-off of a generation to contribute back some of the wealth they have accumulated (thanks to their dream run through the welfare state) so that their children can at least retire with the same security as the ?lucky generation?.?

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Luck, as they say, has nothing to do with it.

Other important or interesting political items today include:

?

?

• Graeme Edgler has an interesting proposal that our MPs should be allowed (and encouraged) to regularly undertake part-time work in other jobs ? see:?Shirking their responsibilities?.

?

• With the plug about to be pulled on TVNZ7 the campaign to save it is louder than ever. Duncan Graham acknowledges that TVNZ7 wasn?t perfect but says New Zealand will be much poorer without a commercial free channel ? see:?Whose airwaves are they anyway?. The campaign to save the channel is misconceived according to Steven Cowan, especially as it allows Labour to posture as the defender of public service television ? see:?Letting Labour off the hook.

• National, Labour and even the Greens are skewered by Toby Manhire over the WWF?s damning report on New Zealand?s environmental record over the past 20 years ? see:?100% Pure New Zealand. Ha, ha, ha.

?

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• Rod Oram looks at the contrast between the Auckland Council?s long-term growth plan for Auckland and Bill English?s zero budget ? see:?A tale of two budgets.

?

• The media has an obsession with turning elections into a two horse presidential style contest according to political scientist Jack Vowles. He argues that this ignores the MMP reality that an election can be very close even though the gap between the two main parties is wide ? see: Reesh Lyon?s?Media Blamed For Low Election Turnout.?Mark Blackham disagrees ? see:?Election turnout not media fault.

?

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• Willie Jackson says?At least Louis Crimp is honest, claiming Crimp?s views are not that far from the more carefully worded utterances of Michael Laws, Paul Holmes , Don Brash and John Banks.?

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• Kim Dotcom seems to be growing on New Zealanders according to the Southland Times editorial, despite the latest attempts by US law enforcement to smear him by claiming there were some child porn files amongst the 800 transfers per second on the megaupload servers ? see:?The pirate king?.

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• The struggle over reproductive rights in New Zealand has never been properly written up, but Alison McCulloch has a book coming out on the recent history of this very contentious area of sexual politics ? see:?Return of the DIY Abortion.?

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• Finally, leftwing economist Brian Easton has penned a lengthy and very thoughtful take on the evolution of the political left in recent decades entitled?Rogernomics and the Left. He concludes with a warning to the left ? that its failure to take ideology and economics seriously, could result in the next Labour Government essentially being a repeat of the Fourth Labour Government: ?The danger remains that there may be a repeat of Muldoon?s legacy in which a future government of the left has to introduce major radical modernisation to resolve its predecessor?s failures to respond to change, while handicapped by the limitations that these failures cause. Will the incoming government be as bereft of analysis and vision as the left was after Muldoon? Last time the consequence was Rogernomics?.

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Below are the internet links to all the NZ politics material from the last 24 hours that are either informative, insightful, interesting or influential. This list and the links are taken from a fuller document,?NZ Politics Daily, which is emailed out, Monday to Friday, to various researchers, academics, journalists, MPs and so forth. The document is purely for private/research purposes only, and if you would like to be on the subscription list, please email: bryce.edwards@otago.ac.nz

Superannuation

Duncan Garner (TV3):?Pressure for John Key to raise retirement age

Duncan Garner (TV3):?Superannuation costs on the rise

Newswire:?Key stands firm on pension age

TV3:?John Key not moving on superannuation

Alex Tarrant (interest):?Key: Even if promise not to hike Super age had been made, Budget 2012 would not have dealt with it

Grant Miller (Manawatu Standard):?Doing nothing about super

Newstalk ZB:?No major cuts to SuperGold card scheme

Isaac Davison (Herald):?Smokers save Govt cash, says report

Newswire:?Smokers saving Government money, in theory

David Farrar (Kiwiblog):?Grey Power hypocrites

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Kiwisaver

Alex Tarrant (interest):?Labour considers not letting KiwiSaver savings out of NZ

David Chaplin (Herald):?Be a tidy KiwiSaver - cleanup campaign begins

Eric Crampton (Offsetting Behaviour):?Labour's KiwiSaver plans [Updated]

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TVNZ7

Danya Levy (Stuff): Coleman:?Number's up for TVNZ7, regardless

Nelson Mail:?Editorial ? Loss of an important New Zealand voice

Robert Winter (Idle Thoughts):?More blame game in the Key Government?

RNZ:?End of TVNZ7 seen as big mistake

Steven Cowan (Against the current):?Letting Labour off the hook

Duncan Graham (Pundit):?Whose airwaves are they anyway?

Russell Brown (Hard News):?Reading the Numbers

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Families Commission

TVNZ:?Families Commission funding slashed

RNZ:?Major restructure at Families Commission

Isaac Davison (Herald):?Families Commission in for major shake up

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Education?

Stuff:?Reforms too far for some schools: PM

TVNZ:?Govt backtracks on teaching cuts

RNZ:?School working group set up for protection ? Labour

RNZ:?Govt 'committed' to working with schools over class sizes

John Hartevelt (Stuff):?Allowance cut adds thousands to loan

RNZ:?Call to urgently review home-based childhood education

John Hartevelt (Stuff):?Schools 'transition' sped up

John Minto (Herald):?Education policy forgets the heroes

John Parker (Herald):?Quiet learning is banished from open-plan classrooms

Vaughan Elder (ODT):?Otago University worth $1.4 billion

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Child poverty

Jessica Tasman-Jones (Stuff):?Children in poverty 'lost' to education system

Jonathan Carson (Stuff):?Poverty-stricken kids resort to scavenging

Holly Walker (frogblog):?Can we end child poverty in two Parliamentary terms?

?

Environment

Newswire:?NZ 'dropping ball' - environment commissioner

Toby Manhire (Listener):?100% Pure New Zealand. Ha, ha, ha

No Right Turn:?Breaking our word on the environment

David Kennedy (Local Bodies):?Head in Sand over WWF Report!

Jenny Keown (Stuff):?'Grave fears' for border security

Reuben Hunt (Press):?Facts, fracks and community action

TV3:?Youths strip off for greener transport

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Ureweras

Herald:?Editorial: Police chief right to back Urewera team

Dom Post:?Editorial: Political acts must fall within the law

RNZ:?Regret over Urewera expressed by Broad

Matthew Backhouse (Herald):?Iti's Urewera appeal filed today

Ian Steward (Stuff):?Tame Iti appeals Urewera conviction

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Christchurch rebuild

Press:?Govt agencies wanted for Chch rebuild

Chris Trotter (Press):?As the cathedral fares, so fares Chch itself

Marc Greenhill (Stuff):?Three precincts for Chch, Aust planner says

Peter Cresswell (Not PC):?A conclusive experiment with a crucial lesson for Christchurch

RNZ:?Te Tai Tonga MP getting help in Christchurch

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Same sex adoption

Danya Levy (Stuff):?Key signals gay adoption support

Tova O?Brien (TV3):?Supports grows for gay adoption law change

TV3:?'I support gay adoption, but it's not a priority' ? Key

No Right Turn:?Key misses the point on same-sex adoption

David Farrar (Kiwiblog):?Handing over law making

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Judith Collins defamation case

Timaru Herald:?Editorial: Stop this silliness

Hayden Donnell and Newstalk ZB:?Mallard gets served, snaps and tweets

Tracy Watkins (Stuff):?Mallard: You've been snapped

?

Green Party

Colin James (ODT):?Greens, Labour jostle for position

Niki Lomax and Bryce Edwards (liberation):??For a richer New Zealand?: Environmentalism and the Green Party in the 2011 New Zealand General Election

John Moore (liberation):??Fool me once, shame on you; fool me twice, shame on me? ? How the Green Party aims to woo back left voters

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Parliament?

Graeme Edgeler (Public Address):?Shirking their responsibilities?

Deborah Russell (Dom Post):?Parliament needs diversity to rule fairly

Reesh Lyon (Parliament Today):?Media Blamed For Low Election Turnout

Mark Blackham (Political Business):?Election turnout not media fault

Pete George (Your NZ):?The kneecapping of United Future?

?

Budget/economy

Rod Oram (Stuff):?A tale of two budgets

Eric Crampton (Offsetting Behaviour):?Unemployment lenses: Salmond edition

Rob Hosking (NBR):?Why Key is right, and wrong, about job numbers ? and why it matters

TVNZ:?Budget smartphone app cost Govt $59k

Joshua Drummond (Waikato Times):?Roof leaks, flatmates squabble: it is the economy, Stupid!

NZ Parliament:?Detailed examination of the Budget

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Other

Isaac Davison (Herald):?Govt cool on insulation extension

Claire Trevett (Herald):?Mfat chips in to relieve Cup chaos

TV3:?Local councils under pressure to use asset sales

Herald:?HRC call for increased government funding welcomed

Newstalk ZB:?Questions asked over SIS overspending

TVNZ:?Hike alcohol price to target binge-drinking: Doctor

David Farrar (Kiwiblog):?Keep it 18 reason #1

Newswire:?Labour calling for review of shipping rules

Tracy Watkins (Stuff):?John Key to tour Europe

Vernon Small (Stuff):?New head of PM's department named

Kirsty Johnston (Stuff):?Kim Dotcom allowed back to mansion

Southland Times:?Editorial: The pirate king?

Morgan Godfery (Maui Street):?The best and worst Maori MPs for May

Willie Jackson (RadioLive):?At least Louis Crimp is honest

Alison McCulloch (Scoop):?Return of the DIY Abortion

Brian Easton:?Rogernomics and the Left

Stuff:?Today in politics: Tuesday, May 29

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10 Minute Solution ? Best Belly Blasters [1 DVD - 6 Rip] (Health ...

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mastermind JAPAN x Mercedes-Benz G 55 AMG ? A Detailed Look

Yesterday we had a first-hand look at the exclusive mastermind JAPAN x Mercedes-Benz G 55 AMG and now we get a detailed look in and around the car. This custom version of the G 55 AMG is fully blacked-out all the way in detail from the alloys to the tyre holder on the back, but hints of rosewood finishing appears on the steering wheel and by the driver. mastermind JAPAN?s trademark skull and bones is dotted well around the car, keeping with the car?s understated stylish look and everyone loves a G-wagon.

Check the car fully out after the click.

(via: Openers)

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Iraq, Afghanistan Veterans Filing For Disability Benefits At Historic Rate

-- America's newest veterans are filing for disability benefits at a historic rate, claiming to be the most medically and mentally troubled generation of former troops the nation has ever seen.

A staggering 45 percent of the 1.6 million veterans from the wars in Iraq and Afghanistan are now seeking compensation for injuries they say are service-related. That is more than double the estimate of 21 percent who filed such claims after the Gulf War in the early 1990s, top government officials told The Associated Press.

What's more, these new veterans are claiming eight to nine ailments on average, and the most recent ones over the last year are claiming 11 to 14. By comparison, Vietnam veterans are currently receiving compensation for fewer than four, on average, and those from World War II and Korea, just two.

It's unclear how much worse off these new veterans are than their predecessors. Many factors are driving the dramatic increase in claims ? the weak economy, more troops surviving wounds, and more awareness of problems such as concussions and PTSD. Almost one-third have been granted disability so far.

Government officials and some veterans' advocates say that veterans who might have been able to work with certain disabilities may be more inclined to seek benefits now because they lost jobs or can't find any. Aggressive outreach and advocacy efforts also have brought more veterans into the system, which must evaluate each claim to see if it is war-related. Payments range from $127 a month for a 10 percent disability to $2,769 for a full one.

As the nation commemorates the more than 6,400 troops who died in post-9/11 wars, the problems of those who survived also draw attention. These new veterans are seeking a level of help the government did not anticipate, and for which there is no special fund set aside to pay.

The Department of Veterans Affairs is mired in backlogged claims, but "our mission is to take care of whatever the population is," said Allison Hickey, the VA's undersecretary for benefits. "We want them to have what their entitlement is."

The 21 percent who filed claims in previous wars is Hickey's estimate of an average for Operation Desert Storm and Desert Shield. The VA has details only on the current disability claims being paid to veterans of each war.

The AP spent three months reviewing records and talking with doctors, government officials and former troops to take stock of the new veterans. They are different in many ways from those who fought before them.

More are from the Reserves and National Guard ? 28 percent of those filing disability claims ? rather than career military. Reserves and National Guard made up a greater percentage of troops in these wars than they did in previous ones. About 31 percent of Guard/Reserve new veterans have filed claims compared to 56 percent of career military ones.

More of the new veterans are women, accounting for 12 percent of those who have sought care through the VA. Women also served in greater numbers in these wars than in the past. Some female veterans are claiming PTSD due to military sexual trauma ? a new challenge from a disability rating standpoint, Hickey said.

The new veterans have different types of injuries than previous veterans did. That's partly because improvised bombs have been the main weapon and because body armor and improved battlefield care allowed many of them to survive wounds that in past wars proved fatal.

"They're being kept alive at unprecedented rates," said Dr. David Cifu, the VA's medical rehabilitation chief. More than 95 percent of troops wounded in Iraq and Afghanistan have survived.

Larry Bailey II is an example. After tripping a rooftop bomb in Afghanistan last June, the 26-year-old Marine remembers flying into the air, then fellow troops attending to him.

"I pretty much knew that my legs were gone. My left hand, from what I remember I still had three fingers on it," although they didn't seem right, Bailey said. "I looked a few times but then they told me to stop looking." Bailey, who is from Zion, Ill., north of Chicago, ended up a triple amputee and expects to get a hand transplant this summer.

He is still transitioning from active duty and is not yet a veteran. Just over half of Iraq and Afghanistan veterans eligible for VA care have used it so far.

Of those who have sought VA care:

_More than 1,600 of them lost a limb; many others lost fingers or toes.

_At least 156 are blind, and thousands of others have impaired vision.

_More than 177,000 have hearing loss, and more than 350,000 report tinnitus ? noise or ringing in the ears.

_Thousands are disfigured, as many as 200 of them so badly that they may need face transplants. One-quarter of battlefield injuries requiring evacuation included wounds to the face or jaw, one study found.

"The numbers are pretty staggering," said Dr. Bohdan Pomahac, a surgeon at Brigham and Women's Hospital in Boston who has done four face transplants on non-military patients and expects to start doing them soon on veterans.

Others have invisible wounds. More than 400,000 of these new veterans have been treated by the VA for a mental health problem, most commonly, PTSD.

Tens of thousands of veterans suffered traumatic brain injury, or TBI ? mostly mild concussions from bomb blasts ? and doctors don't know what's in store for them long-term. Cifu, of the VA, said that roughly 20 percent of active duty troops suffered concussions, but only one-third of them have symptoms lasting beyond a few months.

That's still a big number, and "it's very rare that someone has just a single concussion," said David Hovda, director of the UCLA Brain Injury Research Center. Suffering multiple concussions, or one soon after another, raises the risk of long-term problems. A brain injury also makes the brain more susceptible to PTSD, he said.

On a more mundane level, many new veterans have back, shoulder and knee problems, aggravated by carrying heavy packs and wearing the body armor that helped keep them alive. One recent study found that 19 percent required orthopedic surgery consultations and 4 percent needed surgery after returning from combat.

All of this adds up to more disability claims, which for years have been coming in faster than the government can handle them. The average wait to get a new one processed grows longer each month and is now about eight months ? time that a frustrated, injured veteran might spend with no income.

More than 560,000 veterans from all wars currently have claims that are backlogged ? older than 125 days.

The VA's benefits chief, Hickey, gave these reasons:

_Sheer volume. Disability claims from all veterans soared from 888,000 in 2008 to 1.3 million in 2011. Last year's included more than 230,000 new claims from Vietnam veterans and their survivors because of a change in what conditions can be considered related to Agent Orange exposure. Those complex, 50-year-old cases took more than a third of available staff, she said.

_High number of ailments per claim. When a veteran claims 11 to 14 problems, each one requires "due diligence" ? a medical evaluation and proof that it is service-related, Hickey said.

_A new mandate to handle the oldest cases first. Because these tend to be the most complex, they have monopolized staff and pushed up average processing time on new claims, she said.

_Outmoded systems. The VA is streamlining and going to electronic records, but for now, "We have 4.4 million case files sitting around 56 regional offices that we have to work with; that slows us down significantly," Hickey said.

Barry Jesinoski, executive director of Disabled American Veterans, called Hickey's efforts "commendable," but said: "The VA has a long way to go" to meet veterans' needs. Even before the surge in Agent Orange cases, VA officials "were already at a place that was unacceptable" on backlogged claims, he said.

He and VA officials agree that the economy is motivating some claims. His group helps veterans file them, and he said that sometimes when veterans come in, "We'll say, `Is your back worse?' and they'll say, `No, I just lost my job.'"

Jesinoski does believe these veterans have more mental problems, especially from multiple deployments.

"You just can't keep sending people into war five, six or seven times and expect that they're going to come home just fine," he said.

For taxpayers, the ordeal is just beginning. With any war, the cost of caring for veterans rises for several decades and peaks 30 to 40 years later, when diseases of aging are more common, said Harvard economist Linda Bilmes. She estimates the health care and disability costs of the recent wars at $600 billion to $900 billion.

"This is a huge number and there's no money set aside," she said. "Unless we take steps now into some kind of fund that will grow over time, it's very plausible many people will feel we can't afford these benefits we overpromised."

How would that play to these veterans, who all volunteered and now expect the government to keep its end of the bargain?

"The deal was, if you get wounded, we're going to supply this level of support," Bilmes said. Right now, "there's a lot of sympathy and a lot of people want to help. But memories are short and times change."

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If you are ready for simple explanations, practical solutions, and time-tested strategies that will reap huge savings in insurance costs, then Hide! Here Comes the Insurance Guy is here to help!Rick Vassar, a certified expert in the commercial insurance arena, writes from a risk manager's perspective as he tackles the often confusing field of commercial insurance with his real numbers, real solutions strategy. Developed not just as an initial learning tool but also as an ongoing resource for experienced managers as well as the uninitiated, this simple guide will help busy executives and business owners reduce expenses in their current programs. Vassar will teach you four distinct steps for controlling your insurance costs:Understand the language and the processKnow the players and how to better manage the processDevelop a strategy and a plan to maximize coverage for minimal costInvest the time and gain real financial benefitsWith a fresh perspective, this guidebook provides insight into an industry that is constantly evolving, and it shows how you can potentially save your company millions of dollars in insurance costs!

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Golden Gate Bridge celebrates 75th birthday

SAN FRANCISCO?? Crowds gathered along San Francisco's waterfront Sunday, while San Francisco Bay was crowded with pleasure boats, tug boats and other vessels as the city celebrated the 75th anniversary of the Golden Gate Bridge.

Tens of thousands of people were expected to flock to the area to enjoy a number of events taking place along a section of waterfront stretching from Fort Point south of the bridge to Pier 39 along The Embarcadero.

At least several thousand people had gathered along the waterfront by Sunday afternoon, said Mary Currie, public affairs director for the Golden Gate Bridge, Highway and Transportation District.

"Everyone is biking and walking and looks very happy," she said. "We're off to a great start."

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San Francisco resident Daniel Sutphin and his family were among those in the crowd enjoying the day and the views of the bridge.

"It's such an iconic structure, depending on the day or the hour, it just looks like it changes continuously," Sutphin said as he walked through the Fort Point area with his wife and their three young children.

Slideshow: The Golden Gate Bridge

Since it opened in 1937, more than 2 billion vehicles have crossed the 1.7-mile-long bridge named after the Golden Gate Strait, the entrance of water to San Francisco Bay from the Pacific Ocean, and championed by engineer Joseph Strauss in the 1920s.

Because of the crowds expected and with no parking available near the bridge, officials were urging people to take mass transit to the events.

The California Highway Patrol was planning on shutting down traffic across the bridge from 9 p.m. through 10 p.m. for a monumental fireworks display set to take place over the bridge.

In a stark contrast to the thousands of celebrants, members of the group the Bridge Rail Foundation, an organization dedicated to stopping suicide jumps from the bridge, erected a display of 1,558 pairs of shoes, representing the number of people who died in leaps form the bridge since it opened in 1937.

"It's a symbol of how deep and serious this problem has been," said Paul Muller, a spokesman for the group. "We're still losing 30 to 35 a people a year off the bridge," he said.

Meanwhile on the water, Golden Gate ferries were running again after a one-day strike disrupted service across San Francisco Bay on Saturday.

Workers represented by the Inlandboatmen's Union walked off the job on a day strike, forcing the cancellation of ferries operated by Golden Gate between Larkspur, Sausalito and San Francisco.

The strike was called after nearly a year of negotiations over workloads and other matters, said Marina Secchitano, the union's regional director.

California Gov. Jerry Brown issued a statement Saturday evening, saying that he was appointing a board to investigate the strike, which, he claimed, created a disruption to public service.

Secchitano disputed the governor's claim, questioning the motivation to call for an investigation after a one-day strike. "(This is) an action to try to silence us," she said.

"They're counting on this process to back our membership off the issue," she said.

Ferry and union officials said service resumed Sunday when workers returned to work.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Children's Health & Fitness ? Childhood Obesity Linked To ...

May 25th, 2012 by Len Saunders

From The Doctor?s Lounge?..

Overweight and obese children are at higher risk of developing idiopathic intracranial hypertension (IIH), particularly non-Hispanic white adolescent girls, according to a study published online May 24 in The Journal of Pediatrics.

Sonu M. Brara, M.D., from the Los Angeles Medical Center, and colleagues analyzed the medical records of 913,178 children from the Kaiser Permanente Southern California Children?s Health Study to examine the association between obesity and IIH. Children were assigned to a weight category based on age- and gender-specific body mass index.

The researchers identified 78 cases of pediatric IIH, where 84.5 percent were female, 84.5 percent were 11 to 19 years old, 47.4 percent were non-Hispanic white, and 73.1 percent were overweight or obese. The adjusted odds ratio of developing IIH increased significantly with weight, ranging from 3.56 for the overweight to 16.14 for the extremely obese, compared with underweight or normal-weight children aged 11 to 19 years. Other independent risk fa

To read the full story?..Click here

Entry Filed under: Health / Fitness Articles

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Legendary Lady Vols Coach Pat Summitt To Receive Medal Of Freedom

On Friday, the White House announced that legendary women?s basketball coach Patricia ?Pat? Summitt will receive the Presidential Medal of Freedom, one of America?s highest civilian honors.

Summitt, who was diagnosed with early-onset Alzheimer?s Disease in 2011, launched The Pat Summit Foundation Fund to provide grants for nonprofit organizations that provide Alzheimer?s education, support, and research.

Last week, Summitt stepped own from her role as the head coach for the Tennessee Lady Vols last week with 38 seasons and 1,098 wins under her belt. She is now head coach emeritus.

President Obama praised Summitt for her hard work and success, both as a basketball coach and an advocate for curing Alzheimer?s:

Coach Summitt is an inspiration, both as the all-time winningest NCAA coach, and as someone who is willing to speak so openly and courageously about her battle with Alzheimer?s.

Learn more about The Pat Summitt Foundation Fund.

Image Credit | CC

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APA Reference
Sparks, A. (2012). Legendary Lady Vols Coach Pat Summitt To Receive Medal Of Freedom. Psych Central. Retrieved on May 26, 2012, from http://blogs.psychcentral.com/celebrity/2012/04/legendary-lady-vols-coach-pat-summitt-to-receive-medal-of-freedom/

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Health and fitness agenda: Mobile Health Summit | Health and Fitness

Coming up, Cape Town puts mobile health technologies on the table with the Mobile Health Summit, while World No Tobacco Day aims to snuff out smoking around the globe.

Mobile Health Summit
May 29 ? June 1
Cape Town, South Africa

The second edition of the GSMA-mHealth Alliance Mobile Health Summit, kicking off May 29, is designed for senior executives from the mHealth sector, with the event focusing on hot topics and issues in the industry while providing an opportunity for networking and deal-making.
http://www.mobilehealthsummit.com

World No Tobacco Day
May 31
Worldwide

World No Tobacco Day is an initiative of the World Health Organization (WHO) and this year?s focus is on the need to expose and counter the tobacco industry?s ?attempts to undermine the WHO Framework Convention on Tobacco Control (WHO FCTC) because of the serious danger they pose to public health.? The WHO reports one billion people could die during this century because of tobacco use. http://www.who.int/tobacco/wntd/2012/announcement/en/index.html

Evolution Asia Yoga Conference
June 7-10
Hong Kong Convention Exhibition Centre, Hong Kong

Evolution Asia brings together yoga enthusiasts and masters worldwide to explore the world of yoga through practice with a range of beginning and intense classes, and a yoga bazaar offers discounts on cutting-edge yoga wear and gear. There are also educational sessions on spiritual cleansing, body balance, Thai yoga therapy, and much more.
http://www.asiayogaconference.com

Hanuman Festival
June 8-10
Boulder, Colorada, USA

Hanuman Festival is a community-oriented yoga and music festival set at the foot of Colorado?s Rocky Mountains, drawing top-notch teachers and musical artists who aim to inspire and transform.
http://hanumanfestival.com

Bliss Beat Festival
Piedmont, Italy
July 19-22

Devotion, music, and yoga are on tap at this unique international English-language festival in Northern Italy. The program combines hatha yoga, DJs, dancing, and chanting; a sister event happens in London on October 27 and 29.
http://www.blissbeatfestival.com/en

Wanderlust
June 21-24: Bondville, Vermont, USA
July 5-8 Squaw Valley, Lake Tahoe, California, USA

The fourth annual festival held at the peaks of Squaw Valley is all about yoga, music, and nature. Days are for downward dogs with 40+ yoga instructors including the Village Anusara with YogaSlackers, a play lounge, hoop dance, hikes, and meditation. Nights are hedonistic dance parties featuring top musical acts and DJs. Sister events happen in Colorado on July 5-8 and Whistler, BC, August 23-26. http://www.wanderlustfestival.com

Article source: http://news.yahoo.com/health-fitness-agenda-mobile-health-summit-163203663.html

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Which Internet Business is Right for You? |

Do you want to work from home? There are lots of real opportunities online to make money working for yourself. Most people know about selling on eBay or Amazon ? or starting an online store, writing e-books or affiliate programs ? but what about some of the other internet businesses? What about a coupon site, a recipe directory, a dining guide, genealogy business, online coaching services, photography business, t-shirt design, online seminars, a tutoring business or offering resume writing services?

It can be overwhelming trying to decide on a business ? let alone know how to start one. You first want to begin by deciding what is important to you ? what do you like to do? And maybe more importantly ? what do you not enjoy doing?

Sure, most people who want to start an internet business are interested in freedom and potential income that a online business brings, but there?s more.

Here are five factors you want to consider before choosing an online business.

Schedule

You can run your internet business depending on how much time you have and when you want to work. Do you want a flexible schedule? Do you want to work part time or full time? Do you mind working weekends or evenings? Do you need to schedule your work around other priorities? Do you want o be able to take time off for long vacations?

People

Do you like working with people? What is better ? working one-on-one with clients or in groups? Would you prefer to work independently or hire a team of employees to help grow your business? How about communication ? do you like email, phone or face-to-face interactions?

Workspace

Yes, some internet businesses allow you to work exclusively from home, like a virtual assistant or transcription business. Alternatively, you can operate a mobile service online, which gives you a change of scenery, like a photography or professional organizing business. You can also run an event planning or party planning business online where you work from home, but also meet with clients and attend events.

Budget

Money can be a deciding factor when launching a business. You will find it difficult to buy a franchise when you only have $ 500 to invest. Are you working with a shoestring budget or do you have lots of capital available? Are you able to take out a loan, a line of credit or partner with someone who has significant funds? You want to know what you?re starting with so you can find the business that best suits you.

Risk

All internet businesses involve some level of risk, some more than others. Are you a high-risk or low risk personality? Do you like to go it alone or do you prefer to decrease risk by getting step-by-step instructions from experienced internet entrepreneurs?

To find out more about starting your own internet business, get the complete formula on exactly how a broke college student made his first 0,000. Download 158-Page Book Free.

Tags: Business, Internet, Right

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FATKINI | Weekly World News

Real women have posted images of themselves in ?fatkinis? ?as?a retaliation against society?s obsession with super-slim summer bodies.

In an age where Victoria?s Secret models are viewed as an ideal, 31 women sent in their images to prove otherwise.

Gabi Gregg, a writer for xojane.com, posted a request for the images, to inspire women with similar bodies as her own (a U.S. size 18) to feel good about wearing a bikini.

Ms Gregg wrote:??Our culture is so obsessed with having a ?beach ready bod,? that the mere idea of someone my size in a swimsuit, let alone a bikini, is shocking to most.?

She continued:??I know first-hand how inspiring it can be to see people with bodies that look similar to my own feeling confident and happy on the beach in something other than a Hawaiian-print skirted one piece?

The bikini has come to inspire both dread and awe as our?culture increasingly enshrines physical perfection through magazine features that encourage women to be bikini-ready for summer, and the constant trolling of other women by women.

Rather than being a statement about health, which it could have easily turned into, the gallery appears to be an endorsement of diversity, and an statement that no one particular size or shape of woman has a monopoly on being considered attractive or even ?normal?.

The women featured in the gallery look vibrant and confident, regardless of their body-shapes or sizes.

While the writer and fashion blogger has received a wave of support from readers who applaud her confidence, some have been quick to judge.

There have been comments that Ms Gregg isn?t ?flabby? enough to be self-conscious, and her ?toned, hourglass-shaped? body makes it easier for her to put a picture of herself online.

Another commenter wrote:??I will be the combo breaker cause the sugar coating sometimes needs to stop. Sure you can love your body and flaunt it proudly, but objectively some girls needs to realize when an outfit just DOESN?T GO WITH YOUR BODY TYPE. Sometimes it just doesn?t fit right. Sorry, but it?s just how fashion goes, for thick and thin bodies.?

Ms Gregg, who posted the article today, tweeted earlier: ?Already annoyed by the xojane comments. and I know they?re only going to get worse as the general public finds the article.?

Of her own body, Ms Gregg said: ?I do acknowledge that I have some level of body privilege (but um, for the record: I totally have flab, stretch marks and cellulite, you just can?t see it in the photos I posted due to the high waisted bottoms and the distance of the shots).?

She added: ?Hopefully this gallery, which features lots of body diversity, proves that it?s not only ?toned? fat girls who can feel confident hitting the beach in a two piece.?

Olivia Fleming
Daily Mail ?

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PM Visits the Top of World Trade Center 1

To get to the top of the World Trade Center 1 building, currently under construction in New York adjacent to the 9/11 Memorial, you must first ride in an elevator scaffolded to the outside of the building up to the 39th floor. Then you walk inside and wait with a gang of construction workers for one of the two internal elevators to take you the rest of the way.

When a few members of the PM crew got a tour of the site last week, one of those elevators was labeled "Express Rush A.M and P.M. Only," while the other was labeled "Express All Day." We packed into the all-day express with a full car of iron and concrete workers carrying bags of breakfast up to their fellow crewmembers, only to hear the gruff elevator operator announce that, due to the amount of traffic that day, we were going semi-local. The loud, industrial elevator cranked up through the center of the building to the sounds of a boombox playing Katy Perry on a pop radio station (the ironworkers seemed unimpressed). At each stop, the elevator operator greeted his colleagues with a friendly bouquet of colorful language before asking them for a destination.

Finally, the elevator reached its current top floor, number 90.The ironwork is completed up to the 100th floor. Just two weeks ago, WTC1 became the tallest building in New York at 1271 feet, and it still has 5 floors?and a controversial antenna mast?to go.

You can walk up to floor 91, but above that WTC1 is currently a skeleton of steel beams and cranes. The staircase hangs off the side of the tower, dangling you above the city in a way that would paralyze anyone with the slightest touch of vertigo. Claustrophobics, too, would have a hard time, since the last six-foot ascent to floor 91 is up a ladder banged together from two-by-fours, then goes under a low-hanging steel beam. Debris falling from this height could be deadly to people below, so there is netting surrounding the whole floor; the fabric forms a translucent wall that gave me the bizarre feeling of being both inside and outside at once. There are plenty of holes in the netting, though, which I presume were made to stick cameras through; which I do, knowing that nothing but a firm grip keeps my new Sony NEX-5N from recording its own spectacular last fall.

The partially constructed walls of the building's central column were crawling with workers. Hunter Pendarvis, our guide from the Port Authority?which oversees the project?says there are over 1000 people employed on WTC1, welding, weaving rebar, and securing the massive steel forms into which the building's concrete is poured. The workers clip into the rebar with giant carbineers attached to their harnesses. We were allowed to roam pretty much freely and watch the work, but we were also politely asked not to interview the workers?the unions don't want their guys wasting time with reporters. So we spent about an hour up there getting showered with sparks and generally trying to keep out of the way. Hopefully the photos capture some of the awe that we felt watching history being built before our eyes.

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