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These are the times when we are flooded and sometimes suffocated with tons of inspirational messages about people and events from all over the world. We admire those facts and accomplishments and tend to forward them to others. However, rarely we notice something in our immediate surroundings that would be worthwhile to get inspired to emulate.
Behaviours and lifestyles we see in our immediate proximity can be more impactful and easily replicable. Four very humble actions I noticed recently in my immediate family circle have given me instant inspiration and great happiness. I would like to share them with all of you in spite of the possible risk of being branded as a shameless blower of family trumpet!
During the short visit to my sister during Onam holidays, I noticed two little things that my sister, who is an Assistant Professor did. After getting up early and preparing a sumptuous Onam meal and before driving my wife for a quick shopping, she gave a home made quick pedicure to our mother. I observed a very bright, happy and relaxed expression on my mother's face as she sat on the sofa and her feet gently pedicured by her daughter. But that was not the thing that really touched me. I found out that she carries every working day, one more pack of lunch to be given to a needy student in her college. May be a very small deed. But I felt happy for her students to have a great teacher who walked the talk.
It is not very unique these days to see people celebrate their important days with people who are less privileged. But, when my daughter did that, I felt really proud. She spent her birthday with inmates of 'Mercy Home'. She cut her birthday cake there and spent time interacting with very old persons who were mostly physically impaired and mentally special. I could see how she could bring beautiful smiles on their faces.
My son recently participated in a quiz competition. After clearing the first two levels, he was too happy and told me that if he wins the championship, he would like to use the cash prize of Rs 5001 to buy a new mobile phone for him. He won the first place at the finals and was overjoyed with the victory. While coming out of the hall, he saw a few students from a very economically backward background in the audience. He took my permission and immediately donated the entire money to the teacher who accompanied those students to buy 'General Knowledge' books for their school library. As I saw that, I couldn't control the tears of happiness.
Last, but the most inspiring action, I would like to share with you in this article is about my wife. Her father became extremely sick in her home town without any immediate medical help. As his condition became worse, she flew to home town on a highly priced air ticket and returned with him and admitted him to a super specialty hospital. I was away at work in another city. No other family member or relatives were nearby to help. She single-handedly took him to a series of specialists and scores of lab tests, and got the emergency surgery done. In spite of being a full time doctor with a busy practice, she spent her days and nights to look after him, to feed him and to attend to all his personal needs. At a time when parents are neglected by busy children or when their dear ones limit their care remotely by sending money without their valuable presence, this is a very laudable work.
We need not look always far away to get inspired to do something meaningful in our life. I am sure you will see exemplary acts in abundance in your own family as well! Small instances of kind gestures we observe around, can make us proud of the people we are destined to be with rather than always picking out their faults. Who is perfect? Certainly, I am not!!
Views are personal. ©Sibichen K Mathew
Would like to read another article on related topic? Click For inspiration, don't always look up. Look down too!
For many years, we blamed the government and the government organizations for being inefficient, complex and corrupt. We adored Max Weber for appropriately applying the word bureaucracy and spoiled the reputation of this nomenclature by attributing to anyone and anything that are adamant, stoic, apathetic and irresponsive. Inevitable regulatory system imprisoned the government officials inside an iron cage giving them peanuts. But the smarties lavishly feasted encashing on the nuances and nuisances of the laws and ever expanding procedures, thanks to the voluntary and involuntary paperweights (read as hot cash) kept on the hopeless files by both hapless and dishonest citizens. Scholars, politicians, senior bureaucrats, media and the civil society angels loudly professed: No hope, no salvation, and no atonement – for and from the corrupt bureaucratic system.
But the neocolonial policy experts, public intellectuals and multinational policy advising entities researched hand-in-hand and invented a prescription: Privatize, de-regulate, merge, acquire, and spread out.
What is the result?
Let me start with the brighter side:
It paved way for many players who were waiting for an opportunity to get the large business share hitherto monopolized by the government. Competition resulted in ensuring quality, cheaper rates, and accountability. The ambitious, greedy and aspiring middle class in third world countries got what they craved for: to live the life of a first world citizen while unfortunately destined to be born in a wretched third world.
And what is the darker side?
To know this, one need not look at any empirical studies. (In fact, there is hardly anyone who would like to research on this now!) Just look at our experiences rather than giving a complex theoretical discourse delivered by policy experts or intimidating statistics frequently displayed by economists.
One simple 'everyday life' example from the bottom
You are a subscriber to the most essential service of the day: a phone or internet connection. You have a grievance to be settled. You approach the large, mighty, sophisticated, automated, cosy, pretty, and articulate service provider. You find that the polite voice on the other end cannot understand your pulse. The replies are disseminated from a stock of frequently needed answers. Each time you remind about the unsettled grievance, you are with a different person. You do not know where to go next. You are not allowed to explain your problem in plain and simple human language. No access to the huge structures guarded by private security guards. No awareness about the hierarchical structure. Even when you are fortunate to get a soul to interact, the response would be, 'I don't have the mandate' or 'this is the Standard Operating Procedure', or 'I am sorry, I can't help', or 'register your complaint at Interactive Voice Response System once again'. You encountered with the new face-less private bureaucracy.
You were happy when you were told that many services hitherto provided by the mighty government have been contracted to be done by private players who have quoted the lowest rates in the tenders. Only the large entities could afford to quote lower rates. Cartelisation, predatory pricing and anti-competitive mergers and acquisition destroyed the fairness in allocating the resources and work of the public sector to the private players. They outsourced these contracts to smaller players who did not have the capacity and resources to execute the work. You found the same old 'bureaucratic' delays coupled with data thefts, corruption, and lack of accountability among those private providers. Some examples of criminal opportunities: the promoters can exploit the resources with scant regard to sustainability, people can get multiple PAN numbers, criminals can get cell phone connections without any documents or by giving fake documents, vendors can circumvent standard postal procedures and can transport contraband, thieves can get into secure offices with the connivance of private security guards. These are just a few generic examples.
Why all these happen in a large private environment? a) Profit motive is predominant than service motive, b) The tendency to sub-contract the work to make more profit, c) Lack of monitoring of quality of the sub-contractor, d) Frequent attrition among the employees and lack of long-term loyalty, e) Lower risks for the mischief makers as they can vanish from the company before being caught and punished, f) When the company practices are perceived to be unethical, the employees also tend to be dishonest and selfish, e) Inadequate government regulations to monitor the affairs in a liberalized environment, etc.
Apart from the above inefficiency in large private sector companies, most of these entities are marred by internal corruption. Managers at each level engage in deals that satisfy their personal interests. However only a few cases are reported to the police as there are no clear rules to punish the corrupt executives for financial crime committed within a private company. To safeguard the reputation, corporate managements let off these criminals with just an expulsion from the company. Businessmen and traders have many stories to tell about how they had to please the managers at various levels in a large firm to get into a business with the company.
Governments were quick to understand the corporate inefficiency and corruption and consequently established ombudsmen, sector regulators, and enacted various corporate governance legislation. However none of these initiatives have curbed the problems mentioned above.
The real reason: The problem of 'Large'
Policy experts and technocrats dumped E F Schumacher's concept of 'Small is Beautiful' many years back. But all the problems we face in the name of 'bureaucratic inefficiency' are the contribution of the 'Large'. It is proved from the bitter experiences we have from the large private sectors that inefficiency, red-tapism and corruption are not the exclusive attributes of Government, but necessary fallout of any large, complex and non-transparent system.
What is the solution?
The solution lies only in creating small, independent, and responsible units within the existing large structures, whether it is in government or in private sector. Each unit should be given delegated powers based on the unique attributes and should be accountable for its operational decisions. There should be human interface in these units so that services are provided and grievances are redressed based on the needs and requirements rather than universal procedures. Technological interface should not undermine the genuine need for human interaction to find a satisfying solution to a problem.
Privatization and deregulation are irreversible. These processes need to continue. However governments cannot abdicate their responsibilities to ensure fairness, transparency and public welfare. Similarly, large firms cannot continue in an outsourcing and delegating process without ensuring quality and efficiency.It is imperative to have a stringent law to curb corruption in private sector and to make it mandatory for the private sector management to report the criminal incidents of internal unlawful acts to law enforcers. Regulators and ombudsmen need to establish their field arms to monitor compliance to regulations rather than be armchair watchdogs. Both statutory auditors, internal auditors and the Audit committees need to be proactive and should be made accountable for their laxities in reporting irregularities not only in financial affairs but also in security issues and consumer affairs. Strict penalties may be imposed on all acts of corporate corruption, ethical failures, and procedures that are against public interest.
In short, we need to go back the concept of 'Small is Beautiful' to get rid of the ghost of Max Weber and his iron caged bureaucracy that has reincarnated as corporate bureaucracy.
© Sibichen K Mathew
Views are personal. Comments are welcome
To see all the posts in the blog, click Cyber Diary
Two men fought in the name of Income tax! One was adored; the other man was deported!
Sir James Wilson was committed for a wrong cause! He fought tooth and nail to bring in an unjust income taxation in India amidst popular opposition.
Governor of Madras Sir Charles Trevelyan, broke all protocols and went public like a people's leader defying the Queen. It is said that he 'instigated' the "great Madras revolt" against the introduction of income tax in India. Quite unheard of in the colonial history! What a brave step by the representative of the colonial master!
He said: " It is a desperate leap in the dark….The claim of deficit is not true…". He argued that deficit could be met by reduced spending, even on defence.
Lord Canning, who was earlier in agreement with Sir James Wilson, later got convinced with the argument of Trevelyan and said: " Danger for danger, I would rather risk governing India with an army of only 40,000 Europeans than I would having to impose unpopular taxation." Lord Elphinstone, Governor of Bombay also agreed with Trevelyan.
Sir Charles Trevelyan was recalled immediately to London for opposing Income tax and was accused of 'palpable and plain insubordination'. Sir Charles Wood had stated that 'Sir Charles Trevelyan is an honest, zealous, upright and independent civil servant. He was a loss to India, but there would be danger if he were allowed to remain, after having adopted a course so subversive of all authority, so fearfully tending to endanger our rule, and so likely to provoke the people to insurrection against the central and responsible authority'.
Sir James Wilson won. He ensured that Income Tax bill became a law on July 18, 1860. The bill received the assent of Governor on 24th July 1860. He wrote jubilantly to his daughter in July 1860: ' ..for a bad job the best has been made of it, but the task is heavy and I fear a long one…'. Rightly, Simon Commission in 1927 ( about 67 years later) noted: " …very definite limits to the extent to which an irresponsible government can force increased taxation on a poor country".
India had an unjust, inequitable, biased and unpopular tax history since ancient India. It continued to be unjust during medieval and British India. Only in the post independent India, Income tax got legitimacy due to its fairness, horizontal and vertical equity and its transformation as an instrument of social welfare. (Read 'Making People Pay (2010)' by the author to view the references).
Present day civil servants also need to draw a few lessons from this. Sir Charles Trevelyan represents a civil services ethos that understands the pulse of the people, abound with administrative wisdom and rooted in fiscal prudence. In contrast, Sir James Wilson represents a bureaucracy that advocates impractical, irrational and illogical policies to project their superior knowledge and to please the uninformed masters. Fortunately, we have a strong democracy that is not authoritarian and exploitative like the colonial government and therefore committed leaders and taxmen of Trevelyan's genre are not snubbed and deported easily.
It was on April 1st, 1962 that Income tax Act – truly an act that is Indian in content and character – was born. Therefore, it would be more appropriate to celebrate April 1st ( Nothing to do with April fool's Day!) as Income Tax Day rather than July 24 on which an unjust, harassing, inequitable, despotic and discriminatory income tax law was thrusted upon. Nevertheless, a very laudable initiative to declare a day for this – it doesn't really matter which day is that. Let Income tax Day be an occasion for taxmen to dedicate themselves to the nation to administer the tax laws with fairness, transparency and empathy than to go on an education and PR spree about the utility of paying taxes. Yes, Indians understand the rationale of taxation and they believe in the benefits of the culture of tax compliance. What they don't understand is the avoidable procedural complexity administered by an unfair and uninformed taxman! Therefore, the Income tax Day should be ideally marked by more events that make taxmen introspect than any artistic or cosmetic outreaches. However, PR actions that are substantive and beneficial with long term implications to taxpayers can add value.
(c) Sibichen K Mathew. Views are personal and purely academic in nature.
To see all articles – Click Cyber Diary
How many of you evaluate the past performance and future prospects of a company before investing in its shares? We go by the popular perception, public profile of that company, or the 'hype' created by the company itself! The media, the consultants, the specialists and the advisors suggest the best deals to the potential investors. All of them give their views on the basis of the financial statements and audit reports of the company. That means, investors trust the audit reports. To put it simply, 'people trust the Chartered Accountants'!
Contracts are entered, money is lent, job offers are accepted, tax incentives are given, and above all 'social recognition' is bestowed on many corporates on the basis of a beautiful (well-dressed) balance sheet amply certified by auditors.
Yes, we – the government, the investors, the lenders, the purchasers, the sellers, the service providers, the taxmen, the employees, the public – means, the entire society, repose faith in the auditors! And the auditors are supposed to vouch, examine, evaluate and certify the correctness or otherwise of the transactions of the company and its orientation.
Yet, we hear well-established companies bursting like bubbles, share prices reaching rock bottom, promoters fleeing the scene, top management going behind the bars, and all stake holders watching everything helplessly!
What was wrong?
Audit, all over the world, is a powerful instrument to ensure accountability and financial regularity in all types of institutions and organizations. Though millions of investors rely on corporate audits, the recent corporate scandals all over the world have raised serious questions about the efficiency and effectiveness of corporate audit regulations and enforcement. The audit report is a powerful indicator of a company's financial stability, accounting consistency and reliability. However, everything depends on how efficiently the audit was done and how clearly the transactions are reported in the audit report.
The Lehman Bankruptcy Examiner's Report has come down heavily on the failure of Ernst & Young in preventing one of the biggest failures in the Wall Street that triggered global recession. Audit and accounting failures were also evident in the cases of BAE Systems , Olympus , Enron , World Com , Lucent Technologies , Sun Beam Corporation , Waste Management , Boston Chicken etc. India has also witnessed a series of financial scams in the last decade especially during the liberalization period, most of which are rooted at accounting frauds. However, the responsibility of the auditors in these scams and their role in frauds are never viewed seriously. Reserve Bank of India has a long list of companies who have been guilty of unethical accounting practices and diverted public funds. A number of companies vanished with crores of rupees immediately after the public issue. Financial statements of several companies became unreliable and depicted wrong state of affairs. Satyam scam is the best example.
The Problem areas
The corporate scams and scandals happened in the world in the last few years are clear indications of the collusion between auditors and management in accounting frauds. They have happened either through active suggestions and consultancy to commit frauds or through deliberate omissions in the job. Inefficiency and technical incompetence of the auditors have resulted in some of the corporate debacles. It is foolish if one refuses to learn any lesson from the above scandals, thinking that these are just aberrations and will not recur.
Dependence on the clients
In many cases it is seen that the audit firm is unduly dependent on the client financially. It may be due to the fact that the audit firm provides bulk of its resources for that client or it receives substantial amount of its earnings from that particular client. Thus it is a question of survival for the firm. It results in subjectivity in the performance and reporting of the auditor. In spite of strict codes of conduct, many auditors enter into financial transactions in the names of relatives with the client or the client's associated concerns. There are also beneficial interest in trusts of the clients, and in shares and investments in associated concerns and also employment of close relatives in connected concerns and re-employment by the auditors in the clients' concerns. Most of the audit firms involve in the non-audit work of their clients and they receive substantial portion of their earnings from such non-audit activities.
Responses of the regulators and intra-disciplinary bodies
Sarbanes-Oxley (SOX) Act , is the US authorities' response to political outrage in the wake of Enron, WorldCom, and other equally shocking failures of law, standards, governance and audit. SOX Act is considered as the legislation, which brought most sweeping changes to securities law, corporate governance, and the regulation of auditors since the Securities Exchange Act of 1934 . The SOX Act has international implications since the auditors of overseas subsidiaries or associates of US listed companies are obliged to sign up to it if they wish to retain the work. SOX Act laid down an array of strictures on company directors, especially CEOs and CFOs. Failure to comply could mean prison terms of upto 25 years. The creation of the self regulatory board of Public Companies Accounting Oversight Board (PCAOB) by the US Congress through the Sarbanes-Oxley Act 2002, was meant to give powers to the Board over the external auditors in order to guide them in auditing the public led companies. Though there are enough laws, the institutional mechanisms in India and many countries are marred by weak enforcement.
Need for a global policy
What is imperative today is the establishment of an International Quality Assurance Body that formulates universalistic principles and guidelines for all accounting, auditing and consulting firms all over the world. The body should suggest an appropriate mechanism that ensures quality, reliability and objectivity among audit firms. It is also necessary to have concerted action to prohibit direct or indirect monopoly in the area of auditing and consulting by a few firms. Proper auditor rotation, disciplinary mechanism, and an environment that ensures auditor independence can bring back public trust on the auditors. Establishment of an Independent Audit Regulatory Authority is necessary in countries.
© Sibichen K Mathew
Views are personal
Click here to see my blog Cyber Diary
More than all vitamins, proteins and other nutrients, we are forced to consume loads of advice every day in life. Every other thing may be costly, scarce or out of reach; but not advice. There are many advisors all around. You started hearing them since the day you formed in your mother's womb. I am sure you woke up abruptly from your sleep in the cozy cradle hearing the high sounding advice. It continues all through your life – the worst would be the teenage years: Every uncle who comes home, every neighbor who monitors from her gate your entry and exit, and every stranger you see on the road end up advising you for no reason. Then it takes a dip and after a while starts pouring in once you are in the employable and marriageable age. Once you are settled, you take the baton and start advising others. It goes on.
Look who is talking??
I also sometimes get into an unnecessary and unwarranted advisory mood. Every New Year eve I resolve not to advise anyone that year. But I tend to get into an advising mode within hours. Why do I think that it is my responsibility to advise every person who spends a few minutes with me? It is absolutely foolish to believe that the other person sincerely adores the wisdom flowing from the other end! Why do I feel that it is my responsibility (who delegated that to me first of all??) to give suggestions regarding someone else's future? Utter nonsense!!
Unsolicited advices
The worst is the tendency to shower unsolicited advice on all and sundry. It could be a co-passenger or a person standing next to you in the queue to get a ticket or boarding pass. Or it could be the impatient one waiting along with you to get his hair cut on a Saturday morning. There are many categories of unsolicited advice givers.
Advisor heroes
It is said that if someone is not good at doing something, he will be selected as a teacher to teach that subject. If he fails as a teacher, he will be given the role of a preacher. If he fails in that, they would make him an advisor. (I was given the designation 'advisor' in an organization, perhaps for my failure in the earlier roles!). We can tolerate occasional advisors but not the so called advisor heroes. Who is an advisor hero? Advisor hero is the one who boastfully narrates how he has done differently in every occasion and got success. He would be categorical to project as one person who has never tasted failure because of his infinite wisdom and intelligence. The approach of this category of advisors is in contrast to those advisors who are honest enough to share their failures and suggest lessons from such experiences. Advisor heroes will create a sense of inferiority complex in the other persons rather than motivating them.
Advisor kings
The advisors under this category consider themselves generous kings. They give an impression that they are doing a great favour by giving unsolicited advice. They not only give advice but also go on telling others about the advice given to particular persons. They compromise on the trust and confidentiality to get cheap publicity and undue recognition.
Omniscient advisors
There is another unique breed of advisors who consider themselves expert in every subject under the sun. I had come across a young unmarried omniscient male advisor (not a medical practitioner) who can even give expert advice to married women on subjects such as menstrual problems, pregnancy care and breast feeding. Next moment he will be talking on how Reserve Bank Governor messed up the money market regulations. His shallowness doesn't permit others to ask any questions to him. He would definitely run away to another place to shower his advice.
Advice and social media
From early morning to late night, one is bombarded with 'words of wisdom' forwarded by people. Many times, just into a few lines of that long text, we tend to worry why the sender himself never thought of following the advice in the first place. If someone posts an experience or a thought in social media, that does not necessarily mean that the person is trying to seek an advice. Sometimes we tend to give advice in the form of comments that may not be the intent of the post and the discussion might go into an altogether different direction.
Advising in front of others
Even a psychiatrist or a psychologist prefers giving advice in secret to the person who needs advice. But some passionate advisors will give advice in public to particular person. One could see in trains and in public places, the loud voice of advisors who generously wish that 'let others also pick up a few drops of my valuable wisdom'. There are many amateur advisors who would like to advise the parents in the presence of children, wife in the presence of husband and vice versa, managers in the presence of their subordinates etc.
99% of advice are unproductive
Most of the psychologists and counsellors would become jobless if this truth is known to the entire world. Apart from those career, managerial or technical advice, most of the advice showered by the 'advisors' are aimed at changing the personality or behavioural pattern of another person. But it has been scientifically proved that substantial part of an individual's personality, character and behavioural traits are based on genetic factors and rest is through environmental factors. But the environmental factors have strong influences on a person only when she or he is a child of age 5 or less! That means, even parents, relatives, teachers, friends or social institutions cannot bring in any lasting change on a person at a later stage. They can only bring in incremental changes! (But in some cases, even a small change is a big relief for the community). Therefore, the energy and effort we take in actions aimed at drastically changing another person is unproductive because that can't result in anything enduring. It is an irony that everyone is on a frantic mission to change the other person rather than trying to adjust to the predicaments they are in. Advice overdose will make the other person more defensive and make him escape from you. Ultimately the relationships get strained.
You will become a good listener when you put a halt to your advising temptation
This is indeed an information pushing world. Everyone receives huge gigabytes of information thrown on them from various online or offline sources and from different cross sections people. They want to instantly (many times without even reading) share them with other target groups. Even in private conversations, there would be a tendency to dominate the interaction by throwing the information and ideas to the other person rather than listening to her or him. There is a tendency to advice before even hearing the other person. When we control the temptation to advise the other person, we will become good listeners and will become more acceptable to others. People look for those who listen to them patiently rather than those who pour them with advice without understanding them.
Don't give it FREE! Charge them if you can
If you are an expert (authenticated by community standards through degrees and recognition) and if you strongly feel that you have a better solution at hand (sometimes, degrees alone would not give you expertise), then share your knowledge with those who specifically ask for it and charge them adequately, unless there is a charitable cause or the person deserves a complimentary advice. Free advice is generally not acted upon as people may not value it. There are many free seekers of professional advice. They would go to many advisors at a time akin to a market survey. It is good; as long as they are ready to incur the costs. If we approach a professional advisor, we should be willing to adequately compensate him for the time devoted, even if he is a friend or a relative, unless that person refuses to take it.
The problem for the writers and bloggers
For a priest, a preacher or a teacher, unsolicited advice are part of their mission and they don't have a choice. They are very much in the profession of advising. But even in such cases, too much of unsolicited advising would be counterproductive.
Writers of fiction can survive without giving any advice. Stories, paintings, poems and cartoons need not contain a 'moral of the story' or a 'piece of wisdom'. But for writers of non-fiction and bloggers of social causes in particular, there is a necessity to take the writing to a logical conclusion. And conclusions invariably contain as few suggestions as well. Therefore my blogs also turn into an advisory mode at the end because analysis of a subject without conclusion and suggestion is not appropriate when dealing with non-fiction themes.
Let us stop the temptation of giving unsolicited advice. But let us always be willing to share our thoughts if the other person is sincerely wishing that from us. (This is article was earlier published in author's other blog 'Cyber Diary')
© Sibichen K Mathew Views are personal. Comments welcome


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BEAVERTON, Ore., April 24 /PRNewswire/ -- Medical identity theft won't just harm your pocketbook, but could cost you your health. Unlike traditional identity theft, the consequences of medical identity go beyond the financial costs. They can impact your health due to inaccurate information being documented on medical records, potentially leading to future misdiagnosis and other complications.
Medical identity theft occurs when criminals steal health insurance identification or Social Security Numbers and use them to obtain healthcare services or reimbursement from insurers for fraudulent claims. According to the World Privacy Forum, as many as 250,000 to 500,000 consumers have been victims of medical identity theft as of mid-2006.
"Medical ID theft can be devastating for consumers," commented Doug Pollack, chief marketing officer for identity theft protection company ID Experts. "Checking for medical identity fraud must become a part of everyone's complete identity protection practices -- it's that prevalent."
ID Experts offers the following five steps to protect your healthcare information from being compromised by thieves:
About ID Experts
ID Experts provides identity theft protection services for individuals, corporations and the public sector. Unlike other identity theft protection service providers that rely solely on credit monitoring, ID Experts takes a uniquely personal approach to identity protection -- whether it's a single individual or family, or up to the largest corporations, government agencies and universities, ID Experts ensures each and every individual receives protection and recovery assistance. Today, ID Experts protects more than 3 million individuals nationwide from identity theft. These customers benefit from ID Experts' team of experienced identity recovery advocates who have a 100 percent success rate in restoring victims' identities to pre-theft status. For more information visit http://www.idexpertscorp.com.
SOURCE ID Experts

subset: commoncrawl


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SSI Medicare Enrollment 2019
AARP health insurance plans (PDF download)
Medicare replacement (PDF download)
medicare benefits (PDF download)
medicare coverage (PDF download)
medicare part d (PDF download)
medicare part b (PDF download)
SSI Medicare Enrollment 2019
PDF download:
designated enrollment periods. NOTE: Even though Social Security's full
retirement age is no longer 65, you should sign up for Medicare three months
before …
Sep 30, 2019 … SSI. See Supplemental Security Income. State Health Insurance ….. He waited to
sign up for Part B until March 2019 during the General.
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CENTERS FOR MEDICARE & MEDICAID SERVICES. 2019 … enrolled
automatically in Medicare Part B (Medical Insurance). You'll need to pay a ……
Supplemental Security Income (SSI): SSI makes monthly payments to people
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2019 Medicare Costs. – Medicare.gov
Part B in 2019. You pay the standard premium amount (or higher) if: □ You enroll
in Part B for the first time in 2019. □ You don't get Social Security benefits.
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65 or older and you have (or are enrolling in) Part B and meet the citizenship and
residency ….. Getting SSI doesn't make you eligible for Medicare. SSI provides.
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Revised September 2019. Enrollment in Medicare is limited to certain times. …
information about enrolling in Medicare Advantage Plans and Medicare.
application for enrollment in medicare part b (medical … – CMS.gov
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Oct 1, 2018 … 2019 stand-alone prescription drug plans ………28 …. to enroll in Medicare or to
see if you can … The Social Security Administration is the.
2019 Medicare Toolkit – Arkansas Insurance Department
Medicare enrollment is automatic only if you are already receiving Social Security
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module 5: medicare advantage health plan options – New York State …
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Mar 26, 2019 … 1, 2020, but not yet enrolled, you may be able to buy one of these plans. … You
can access your 2019 Medicare Supplement Guide on …… Contact the Social
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Medicare three months before … Social Security Administration should notify you.
Medicare Savings Programs – Wisconsin Department of Health …
If you are eligible to enroll in a Medicare Savings Program, … 2019 Monthly
Income Limits*. Group … You are enrolled in the Supplemental Security Income (
Wisconsin Guide to Health Insurance for People with Medicare 2019
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drug coverage with the Social Security Administration (SSA) through paper or.
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Jan 1, 2018 … enroll in Medicare Part A at any time, and coverage can be retroactive up … enroll
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the next generation of Medicare beneficiaries – MedPAC
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DetailsSynthesized peptide derived from the Internal region of human NGFR p75.
Additional Information
Supplier name Cusabio Product Type Antibodies Size 100ug Group (E.g. Primary) Primary Concentration 100ug Clonality Polyclonal Colour Clear solution Target/Antigen NGFR Conjugate Unconjugated Species Reactivity Human, Mouse, Rat Host Species Rabbit Isotype IgG Applications ELISA, WB Storage/Storage buffer Liquid in PBS containing 50% glycerol, 0.5% BSA and 0.02% sodium azide. Form Liquid Purification The antibody was affinity-purified from rabbit antiserum by affinity-chromatography using epitope-specific immunogen. Aliases NGFR; TNFRSF16; Tumor necrosis factor receptor superfamily member 16; Gp80-LNGFR; Low affinity neurotrophin receptor p75NTR; Low-affinity nerve growth factor receptor; NGF receptor; p75 ICD; CD antigen CD271 Publications Publication List Datasheet URL View Datasheet Categories Antibodies,Primary Antibodies


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Entrepreneurial, creative, techy vibe shared environments, with mostly open floor space and some private offices. Community and networking a big draw.
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Fruit-Stuffed Pork Tenderloin
This recipe features juicy pork tenderloin stuffed to the seams with prunes, apples, and dried cranberries.
Serves: 8Hands-on: 1 hourTotal: 15 hoursDifficulty: Medium
Serves: 8
- 8½ cups water, divided
- 8 Tbsp. kosher salt
- 8 Tbsp. brown sugar
- 1 Tbsp. whole cloves
- 2 cinnamon sticks, crumbled
- 1 boneless pork tenderloin (4 lbs.), trimmed
- 8 dried apricots
- ½ cup dried cherries
- 1 large apple, peeled, cored, and chopped
- ½ tsp. ground ginger
- ¼ tsp. ground allspice
- ½ tsp. salt
- ¼ tsp. white pepper
- 2 cups white wine
- 1 Tbsp. cornstarch
- 1 Tbsp. water
- To make your brine, bring 8 cups of the water, kosher salt, brown sugar, cloves, and crumbled cinnamon sticks to a boil. Reduce heat to a steady simmer and cook for 15 minutes. Remove from heat and cool completely.
- Using a sharp knife, slit the tenderloin open length-wise and parallel to the counter, so that it looks like an envelope (don't cut all of the way through the loin). Submerge the tenderloin completely in the brine, cover, and refrigerate for at least 12 hours.
- Preheat oven to 325°F. Place the apricots and the dried cherries in a bowl and cover with hot water; plump for 20 minutes. Drain and toss with chopped apple. In a small bowl, whisk together ground ginger, allspice, salt, and white pepper.
- Remove the tenderloin from the brine and pat dry. Spoon the fruit mixture evenly into the slit of the pork loin. Tie the tenderloin with kitchen string to secure the stuffing inside. Season all sides of the tenderloin with the spice mixture.
- Place the stuffed pork loin on a rack in a roasting pan, then pour the white wine and ½ cup of water in the bottom of the pan. Place in the oven and cook for 45 minutes, or until a meat thermometer registers 145°F, basting with the pan juices every 20 minutes.
- Remove the pan from the oven; increase the heat to 500°F. Transfer the pork to a cutting board, strain the pan juices into a heat-resistant measuring cup, then place the tenderloin back in the pan. Return it to the top rack of the oven and broil the pork loin, 1–2 minutes per side, flipping once (watch it carefully to prevent over-browning). Remove the pork loin from the oven, return it to the cutting board, and tent it over with aluminum foil for 10 minutes.
- In a small bowl, whisk cornstarch with 1 tablespoon of water to make a slurry. Skim away the fat from the pan juices, then transfer the liquid to a saucepan. Heat the pan on the stove, bringing it to a steady simmer and cooking until the liquid is reduced to 1½ cups; slowly whisk in the slurry to thicken the sauce.
- To serve, remove string from the tenderloin and cut into 1" slices. Spoon some of the sauce onto the platter and top with the tenderloin slices. Serve additional gravy on the side.


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Quotes from the news wire:
The rules are just not that important to me. What is important to me is getting stuff done so if we were to get a majority. There is a lot of stuff that I want to get done and if trying to get the minimum wage increased for example, if Republicans throw up an artificial roadblock in my way, I am inclined to say,' Wait, it is what people want, it is what we promised,' i am not going to elevate an artificial rule over the substance of what I am here for, but I also don't come into this saying we have to change a rule to change a rule.
I am not going to elevate an artificial rule over the substance of what I am here for, but I also don't come into this saying we have to change a rule to change a rule.
I never thought we would have to use the NDAA to make clear that the U.S. military shouldn't be used as an agent of force against American citizens who are lawfully assembling.
Let's get the story out on the table first and see what everybody's part of this problem was, to fix it going forward, and then we can decide about accountability.
We have a president telling the American public they need to be warriors and get out in the midst of all the danger, when the nation's chief health officials are trying to make the right decisions about Senate Health.
It is not a partisan effort. It was bipartisan from the very beginning, it was introduced to stop a rush to an unnecessary war.
It was introduced to stop a rush to an unnecessary war.
The bill getting to his desk is an indication that we're listening to our constituents, and we're telling him blundering into another war would be a bad idea.
That's a message of strength and it especially speaks to people around the world who are in the streets protesting... because they want the rule of law.
I've got 51 declared votes on version two, on the motion to discharge, and passage. So I've got a version on which I have 51 votes, but the timing on version two is different than version one.
Every member of Congress should vote and then be accountable for whether another war in the Middle East is a good idea.
For years, I've been deeply concerned about President Trump stumbling into a war with Iran. We're now at a boiling point, and Congress must step in before President Donald Trump puts even more of our troops in harm's way. We owe it to our servicemembers to have a debate and vote about whether or not it's in our national interest to engage in another unnecessary war in the Middle East.
I'm on the Armed Services Committee and I know how The President military leaders feel about this, they are just ashamed that The US would abandon a battlefield ally. ... This is just completely contrary to the ethos of, you don't leave a battlefield colleague behind.
I still think there's a real issue about the US attempting to provoke stuff, i think the Trump administration would like Americans to believe that it's Iran acting, or potentially acting, unilaterally against us, but I think the US is trying to provoke them.
I'm kind of shocked that can not be stated clearly.
The racist photo from Governor Northam's 1984 yearbook is horrible. This causes pain in a state and a country where centuries of racism have already left an open wound, i hope the Governor — whose career as an Army officer, pediatrician and public official has always manifested a commitment to justice and equality for all — now takes the time to listen to those he has hurt and reflect on how to move forward.
I'm not going to say you have to give it up, i think the idea is to offer a nonprofit insurance plan as an option.
I do want to express appreciation to the Majority Leader, i applaud him for reaching out to the White House and speaking directly with the President about the bill. And the President indicated he would sign White House.
I don't really think it's about Confederate flags and Confederate monuments, I would say it's more about cozying up to people who have a tradition of white supremacy, i mean, this isn't about the past, it's about the future.
I think he is very comfortable trying to stir up bad attitudes in others, but I don't know him well enough to reach that conclusion about him, but if you don't mind stoking it and praising people who have those views, that's just unacceptable.
A cruder imitation of Donald Trump who stokes white supremacy and brags about being' ruthless and vicious,' Corey Stewart would be an embarrassment for Virginia in the Republican Senate.
For too long, Congress has given presidents a blank check to wage war. We've let the 9/11 and Iraq War authorizations get stretched to justify wars against multiple terrorist groups in over a dozen countries, from Niger to the Philippines, our proposal finally repeals those authorizations and makes Congress do its job by weighing in on where, when and with who we are at war.
I voted for Republican Rand Paul as CIA director and haven't had cause to regret that vote, but I have serious doubts about whether he's the diplomat that we need right now.
Sixteen years is very unwise to let war happen on auto-pilot.
Ralph's a pediatrician; Ralph is a doctor who is a strong supporter of the Affordable Care Act, you will hear that as a feature in the governor's race this year in 2017.
There is no legal justification for this.
I may come back to this in the second round.
I share those concerns and questions.
I cannot believe that Governor Pence would defend the insult-driven campaign that [Trump] has run.
Found on FOX News 4 years ago Latest Headlines
If I talk too much about Tim Kaine during my debate, I'm wasting my time.
It's intense, but I'm calm. Things work out the way they are supposed to.
The bottom line is this. She made a mistake, and she said over and over again 'I made a mistake, and I've learned from it, and I'm going to fix it, and I apologize for it,'.
She wants to play the tough one … she's not tough.
Hillary has a passion for kids and families. … Donald Trump has a passion too: It's himself.
The DOD has been relatively quiet during this public debate and has never shared their objections with me before.
That is the choice that he gets to make, he should work on the areas that interest him, but because of the important role that a commander in chief plays ... I just think somebody who has never shown an interest in these topics is an incredibly risky bet.
The gun laws in our country have done little to stem senseless gun violence, we have the power to make critical improvements, through universal background checks and other commonsense legislation, that will make it less likely that dangerous individuals will get a weapon in their hands and use it against others.
The congressional sanctions have had a major effect on their economy. Those are the ones they really want out from under, congress is going to have to decide if that's what they get.
The two biggest issues for people will be the intrusive nature of the inspections and how comprehensive they are, and the timing of sanctions relief.
It's really a choice between congressional involvement under a prompt and reasonable set of rules or a free-for-all involvement, i think the events of the last couple of months convinced them -- yep, it might not have been our original choice, but we'd rather have it circumscribed and appropriate.
With decades of experience and deep knowledge of both domestic and foreign policy, she is uniquely qualified to build on the progress of the past six years and lead our country in an increasingly challenging world.
Congress has got to weigh in at some point.
I don't think the president can unilaterally bargain away congressional sanctions without Congress involved.
I'll tell you what offends me about this. We've already lost American service members lives in this operation and we've done it without Congress being willing to do the job of having a vote.
If we're going to ask people to risk their lives, then Congress ought to do our job and put our thumb print on this mission and say, it is in the national interest.
I'll tell you what offends me about this. We've already lost American service members lives in this operation and we've done it without Congress being willing to do the job of having a vote. If we're going to ask people to risk their lives, then Congress ought to do our job and put our thumb print on this mission and say, it is in the national interest.
We have the availability of overwhelming air power, and we have boots on the ground that are ready and eager to fight -- the Peshmerga -- and they lack sufficient tools and equipment to do so. we cannot police a region that won't police itself, and so the ground troops need to be from the region, but the United States's strong support, via the air campaign, via training and equipping, helping guide the air campaign to make it effective -- that's what we should do.
We cannot police a region that won't police itself, and so the ground troops need to be from the region, but the United States's strong support, via the air campaign, via training and equipping, helping guide the air campaign to make it effective -- that's what we should do.
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- Adjuration• An urgent demand made upon another to do something, or to desist from doing something, which is rendered more solemn by coupling with it the name of God
Catholic Encyclopedia. Kevin Knight. 2006.
- AdjurationAdjuration† Catholic_Encyclopedia ► Adjuration(Lat. adjurare, to swear; to affirm by oath).An urgent demand made upon another to do something, or to desist from doing something, which demand is rendered more solemn and more irresistible by coupling with it the name of God or of some sacred person or thing. Such, too, was the primitive use of the word. In its theological acceptation, however, adjuration never carries with it the idea of an oath, or the calling upon God to witness to the truth of what is asserted. Adjuration is rather an earnest appeal, or a most stringent command requiring another to act, or not to act, under pain of divine visitation or the rupture of the sacred ties of reverence and love. Thus, when Christ was silent in the house of Caiphas, answering nothing to the things that were witnessed against Him, the High Priest would force Him to speak and so said to Him: "I adjure Thee by the living God, that Thou tell us if Thou be the Christ the Son of God." (Matt., xxvi, 63.) Adjuration may be either deprecatory or imprecatory. The one implies deference, affection, reverence, or prayer; the other, authority, command, or menace. The one may be addressed to any rational creature except the demon; the other can be addressed only to inferiors and the demon. In Mark (v, 7) the man with the unclean spirit cast himself at the feet of Jesus saying: "What have we to do with Thee Jesus the Son of the Most High God? I adjure Thee that Thou torment me not." The wretched man recognized that Christ was his superior, and his attitude was that of humility and petition. Caiphas, on the contrary, fancied himself vastly superior to the Prisoner before him. He stood and commanded Christ to declare Himself under pain of incurring the wrath of Heave. It is hardly necessary to insist that one mode of adjuration is to be employed when addressing the Deity and quite another when dealing with the powers of darkness. Helpless man, calling upon Heaven to assist him, adds weight to his naked words by joining with them the persuasive names of those whose deeds and virtues are written in the Book of Life. No necessity is thereby laid upon the Almighty, and no constrain save that of benevolence and love. But when the spirit of darkness is to adjured, it is never allowable to address him in the language of peace and friendship. Satan must ever be approached as man's eternal enemy. He must be spoken to in the language of hostility and command. Nor is there aught of presumption in such treatment of the evil one. It were indeed egregious temerity for man to cope single-handed with the devil and his ministers, but the name of God, reverently invoked, carries with it an efficacy which demons are unable to withstand. Nor should it be supposed that adjuration disrespect for the Almighty. If it is allowable to invoke the adorable name of God in order to induce others to build more securely upon our world, it must be equally permissible to make use of the made means in order to impel others to action. Indeed, when used under due conditions, that is "in truth, in justice, and in judgment", adjuration is a positive act of religion, for it presupposes on the part of the speaker faith in God and his superintending Providence, as well as an acknowledgment that He is to be reckoned with in the manifold affairs of life. What more beautiful form of prayer that that of the litany, wherein we beg immunity from evil through the Advent, the Birth, the Fasting, the Cross, the Death and Burial, the Holy Resurrection, and the wonderful Ascension of the Second Person of the Blessed Trinity? Christ Himself recommends this form of invocation: "Whatsoever you shall ask the Father in My name, that will I do: that the Father may be Glorified in the Son" (John, xiv, 13). Acting upon this promise, the Church send all her more solemn prayers with the adjuration: Per Dominum nostrum Jesum Christum (Through Our Lord Jesus Christ). St. Thomas declares that the words of Christ, "in My name that shall cast out devils" (Mark, xvi, 17) give all believing Christians warrant to adjure the spirit of evil. This, however, must not be done out of mere curiosity, for vainglory, or for any other unworthy motive. According to Acts (xix, 12) St. Paul was successful in casting out wicked spirits, whereas the Jewish exorcists, using magic arts purporting to come from Solomon, "attempted to invoke over them that had evil spirits, the name of the Lord Jesus, saying: 'I conjure you by Jesus, whom Paul preaches,'" were leaped upon and overcome by those possessed, in such sort that they found it convenient "to flee out of that house, naked and wounded." In adjuring the demon one may bid him depart in the name of the Lord, or in such other language as faith and piety may suggest; or he may drive him forth by the formal and fixed prayers of the Church. The first manner, which is free to all Christians, is called private adjuration. The second, which is reserved to the ministers of the Church alone, is called solemn. Solemn adjuration, or adjuration properly so called, corresponds to the Greek exorkismos. It properly means an expelling of the evil one. In the Roman Ritual there are many forms of solemn adjuration. These are to be found, notably, in the ceremony of baptism. One is pronounced over the water, another over the salt, while many are pronounced over the child. Manifold and solemn as are the adjurations pronounced over the catechumen in baptism, those uttered over the possessed are more numerous and, if possible, more solemn. This ceremony, with its rubrics, takes up thirty pages of the Roman Ritual. It is, however, but rarely used, and never without the express permission of the bishop, for there is room for no end of deception and hallucination when it is question of dealing with the unseen powers. (See BAPTISM; DEVIL; EXORCISM.)BILLUART, Summa Sancti Thomae, V; BALLERINI, Opus Theologicum Morale, IV; LEHMKUHL, Theologia Moralis, I; MARC, Institutiones Morales Alphonsianae, I; LIGUORI, V, 2, appendix.T.S. DUGGAN
The Catholic Encyclopedia, Volume VIII. — New York: Robert Appleton Company. Nihil Obstat. 1910.
Catholic encyclopedia.
Look at other dictionaries:
adjuration — [ adʒyrasjɔ̃ ] n. f. • 1488; lat. ecclés. adjuratio 1 ♦ Théol. Commandement au nom de Dieu. L exorcisme est une des formes de l adjuration. 2 ♦ Demande au nom de Dieu, par un appel aux sentiments religieux. ♢ Par ext. (plus cour.) Prière instante … Encyclopédie Universelle
Adjuration — Ad ju*ra tion, n. [L. adjuratio, fr. adjurare: cf. F. adjuration. See {Adjure}.] 1. The act of adjuring; a solemn charging on oath, or under the penalty of a curse; an earnest appeal. [1913 Webster] What an accusation could not effect, an… … The Collaborative International Dictionary of English
adjuration — I noun affirmation, attestation, averment, avouchment, avowal, avowance, declaration, legal pledge, oath, pledge, solemn avowal, swearing, sworn statement, testimony, vouching, vow II index affirmance (legal affirmation), asseveration, assurance … Law dictionary
adjuration — ADJURATION. s. f. Formule dont l Église se sert dans les exorcismes. Les adjurations que l on fait dans les exorcismes. Après plusieurs adjurations … Dictionnaire de l'Académie Française 1798
adjuration — (n.) late 14c., exorcism, from L.L. adjurationem (nom. adjuratio) a swearing to, noun of action from pp. stem of adjurare (see ADJURE (Cf. adjure)). Originally a term in exorcism (with conjuration). General sense is from 17c … Etymology dictionary
adjuration — Adjuration, Iuramenti exactio … Thresor de la langue françoyse
adjuration — Adjuration. s. f. v. Action par laquelle on adjure. Les adjurations que l on fait dans les Exorcismes. aprés plusieurs adjurations … Dictionnaire de l'Académie française
adjuration — [aj΄oo rā′shən] n. [L adjuratio, a swearing to < pp. of adjurare, ADJURE] 1. a solemn charge or command 2. an earnest entreaty … English World dictionary
adjuration — (a dju ra sion ; en poésie de cinq syllabes) s. f. 1° Formule dont l Église catholique se sert dans les exorcismes. 2° En langage général, prière instante, sommation avec prière. Après de longues adjurations, il lui fit avouer.... HISTORIQUE… … Dictionnaire de la Langue Française d'Émile Littré
adjuration — /aj euh ray sheuhn/, n. 1. an earnest request; entreaty. 2. a solemn or desperate urging or counseling: an adjuration for all citizens of the beleaguered city to take shelter. [1605 15; < L adjuration (s. of adjuratio), equiv. to adjurat(us), ptp … Universalium


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Product details
Did someone say garden party? Covered in printed flowers and strawberries, this dress was made for dancing among the daisies. It has a gathered top with frilly sleeves and a loose, floaty skirt. There's a zip up the back so it's easy to pop on, and the bright neck piping matches the pattern – perfect for blending in with the roses.
- Concealed back zip
- Main 100% cotton
- Lining 100% cotton
- Machine washable
Delivery & Returns
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8-10 Working Days Premium
5-6 Working Days
We operate a no-quibble returns policy. If you return an item within 3 months of receipt, we'll give you back the amount you paid for the item or offer an exchange. Whichever you prefer.
Our exchange service is temporarily unavailable, but please don't worry, as your returns will automatically be refunded according to our generous returns policy. Take a look below for more information.


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Aac Construction is located at 6104 Old Quarry Rd, Birmingham, AL. This business specializes in General Contractors.
Aac Construction, Inc was founded in 2001. Aac Construction, Inc specializes in Concrete Work.


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Commission-Free Investing Outlet Tablet Coupon 2020
It's super simple to sign up a Robinhood account. Merely visit their website and fill out some kinds with some basic info. Next, you'll have to confirm your identity and link your external savings account so that you can deposit and get rid of funds. When that's done, it's time to submit your application, and you're great to go.
At the time of this writing, the company was advertising shares of Apple, Ford, or Sprint. Smart investors understand that a share of Apple is particularly valuable out of that group. But in Robinhood's own words, these shares are "chosen arbitrarily" from their stock of settled shares. New account holders can expect their complimentary share to be worth anywhere in between $2.50 and $200. Robinhood customers can feel confident that their funds and trades are safe and protected.
Robinhood belongs to the Securities Investor Security Corporation (SIPC). As such, stocks and alternatives accounts as much as $500,000 are secured. Account passwords are secured utilizing the most recent file encryption technology. A two-factor authentication is a choice for those seeking included security. Robinhood has a slick self-service customer support platform.
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As a little company, they most likely don't have hundreds of employees stacked in a call center. While you might not have the ability to talk to an advisor on the phone, Robinhood has gone the additional mile by offering lots of easily absorbable academic material on their site (Commission-Free Investing Outlet Tablet Coupon 2020). So, if you have any concerns or want some recommendations, the resources on their site can be particularly valuable.
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Here are some answers to the most frequently asked concerns I become aware of Robinhood. You can easily transfer funds from your Robinhood account to your linked savings account. This procedure can be initiated on the Robinhood website or right in the mobile app. Per federal guidelines, you'll need to wait a few days to withdraw cash after making a trade.
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They are a well-established monetary services company. At the same time, it bears duplicating that all forms of financial investing included some threat. Still, Robinhood's platform is no riskier than its rivals. Maybe. I would say that Robinhood is a good trading platform for beginners. However, I do not recommend buying stocks without doing a reasonable amount of research initially.
So, anybody entering there to make trades needs to do their own research study in advance. Trading is hard; if it were simple, we 'd all be super-rich. If you're brand-new to the investing world, don't stress, however. There's lots of information out there about the best methods to begin. You can check out my financial investment guidance here. Robinhood charges $0 per trade.
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Bottom line? It's your choice to choose who to rely on with your hard-earned money. I hope this post has actually made it easier for you to identify if Robinhood is the ideal fit for your investing needs. Thanks for reading, and here's to a much healthier monetary future!.
Investing can be made complex and expensive, especially if you don't understand what you're doing. But using an app like Robinhood can save you time, cash, and headaches. Robinhood is a trading platform that is totally complimentary. If you are interested in trading stocks or other possessions, then you likely know how expensive the fees can get.
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It's always smart to check out chances that can save you money, so dig in and get the essential info to make an informed decision. The features of this application are actually outstanding. It does lack some of the innovative trading tools you will get with more common trading apps, but it's fully featured for something that's complimentary.
There are now 39 overall states where you can buy crypto, and "you can purchase 7 cryptocurrencies on Robinhood Crypto: Bitcoin, Bitcoin Cash, Bitcoin SV, Ethereum, Ethereum Classic, Litecoin, and Dogecoin." Robinhood Gold has actually been a premium alternative for a while, but they have actually just recently improved it significantly. According to their blog site, "In addition to margin investing and bigger instant deposits, it now consists of brand-new premium features like in-depth research and information." The premium includes you'll get include: Morningstar Research study Reports Nasdaq Level 2 Market Data Gold costs $5 per month and you'll get access to bigger immediate deposits and a margin account.
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The last day of the month, the last discussion of this month's moving book. In finishing up "The Light Within", we witness a scene unique in our readings thus far. By virtue of the book's dual-author structure, we are present during the last passage of the cancer. In a recent post, Advance Directives vs Death Panels, I talked about good deaths and bad deaths I have witnessed. Deb's death, as described in the book, is about as good as it gets.
We have talked about being able to see the development of the friendship of these extraordinary women. We have also seen the growth of the physician from an uncertain resident to a grounded healer. And, of course, we observe how Deb, acting from her special background as a professor of religion, struggles with the transitions from well-person, to survivor, to relapse, to a second cancer, and finally to inevitability of approaching death. But we have also witnessed the transformation of the patient's daughter, Abby, from a troubled angry teenager to a creative and independent young woman. This is remarkable in that her childhood was in part defined by her mother's battle with a deadly cancer. In The Interview chapter, Abby interviews her mother for a class on the sociology of death. This gives her permission to stand back from her role as daughter and to look more objectively at the process her mother is enduring. As she says :this does not mean that Deb is comfortable with dying; rather she vacillates between several different coping strategies to maintain emotional control in her day-to-day life."
As we move into the chapter The Great Unknown, we can sense the greater weight of this story as the disease progresses in spite of all medical intervention. In their continuing examination of the the concept of spirituality, they proclaim that "spirituality is about relationships in the face of life-threatening illness…. Spirituality is also about doing everything we can for our fellow human beings, even as we recognize that there are things we cannot change." But Deb later says that her wish is to die alone. She would prefer that Giles, Abby and Adam not be at her side, seeing her weak, emaciated and pitiful. I wonder if this sounded selfish to any of our readers? ( we later see that this dying alone was not to be the case). Deb's attitude seems to widen as she suffering intensifies. "Death is something to be feared, but it is also a source of comfort, rest, and release." Indeed the second primary diagnosis of myelodysplastic syndrome seems to crush all hope.
But it is after that diagnosis that Deb changes her tack and begins to readjust her goals and desires. She rectifies with the probability that she will not be present at Abby's graduation, Adam's wedding, and the birth of Lois' baby. Her attention is more focused on others. This is why she still applies lickstick and wears earrings. "I think it's the least I can do. You're the ones who have to look at me." She also engages in that familiar behavior of giving away her things.
I am reminded of why we, as healthcare professionals, have to learn to maintain some level of emotional defense. Though Dr. Lois has gained much from allowing her frindship with this patient to deepen, the dying process becomes increasingly emotional and painful for her. I like the phrase "the darkness of being a patient". It is a concept that we all can relate to, the business of not being fully in control of our feelings and the inevitable temptation of surrendering, at least temporarily, to "absolute despair."
The last chapter was beautifully revelatory. Final exchanges between Deb and Abby. "As a result of such transparent honesty and intimacy, we all slept better that night, knowing that love can sometimes bring peace to even the most anguished hearts." Almost disturbing this peace was the embarrassing (for me) decision by the hospice nurse to do some unnecessary and uncalled for evangelizing on Deb's deathbed. This is not to condemn the nurse's sincere and deep religious convictions. But to attempt to foist them onto a dying person is outside the bounds of professionalism.
This chapter, The Distinguished Thing, holds lessons for all of us survivors, an example to how to face death courageously and honestly. Lois' last letter to Deb underscores the message from Sherwood Anderson, cited here previously but worth repeating. "Death ends a life but not a relationship, which continues on, seeking its own resolution." Lois envisions that her relationship with Deb will indeed continue on, manifested in her continuing relationship with Abby and in her Deb stories to her own daughter.
Deb's husband's Afterword is an eloquent tribute to her life and suffering. "After all, this is a story about wresting new life from mortal instruments. But new life, as most cancer patients and their caregivers know, is not to be confused with physical health; it is rather to be identified with the courage to extract wisdom from the hardest things….Deborah was…a teacher who possessed the gifts to turn all living into a form of learning, all learning into a kind of art enhanced, wherever possible, with style, humor, wit, beauty, and courage."
September Selection: Time on Fire: My Comedy of Terrors by Evan Handler
Reading Assignment: Chapters 1, 2 and 3, approx 73 pages
Discussion Questions: (I will post questions here in a couple of hours)