Girlfriends: The Other Women

I almost called this piece “Girlfriends, Slutdom and Mom” because they’re all of a piece, a patchwork perhaps, that once assembled became me.

2014-07-15-girlfriends.jpg

Boys were always easier for me. We liked being outside and played rough, whereas I was never sure how to engage girls in anything beyond dolls, which didn’t interest me. They also tended to stay in the kitchen with their moms.

Mom proudly announced that she’d been a tomboy, too, and followed her twin brother in his rough and tumble play. As she grew older, mom embraced the “sexy” Latina image. I think it gave a boost to her self-esteem, but it meant that her goal was to get a man which invited competition from other females. At her core she embraced a ’40s cinematic femme fatale role model and distrusted all women . . . possibly even me. A girlfriend who is of my mother’s vintage recently gave me advice on how to deal with my husband over some petty argument. “Have great sex and then do what you want anyway.” Manipulative, I said. She expressed no distaste for that word, “There’s a long line of women just waiting to steal him from you.”

She reminded me so much of my mom that I only felt affection and pity for her generation. And wonder. Could she be right? I’ve seen that certain look — threatened, possessive, and defensive — on other women’s faces when they’ve watched their husband’s reaction to a beautiful woman standing in front of them. No, the beauty wasn’t me. My preferred role is observer, and I love women, need them even.

2014-07-15-SandovalSisters25.jpg
Women take the lead in The Sandoval Sisters’ Secret of Old Blood, and sisterhood is explored in all its contexts: childhood friends, lovers, girlfriends who think nothing of cheating with your husband, a sinister mother-in-law, witchy ex-girlfriends, daughters, blood sisters, maidens, mothers and crones.

I’ve written previously of the bullying I experienced in elementary and middle-school (Bullied: Diversity, Differentiation, Distinction). That experience effectively isolated me and I stopped trying to make girlfriends. I had a brief respite in 9th grade when I lived with my father and stepmother in East Texas. A few girls in my neighborhood actually seemed to like me and we rode the bus to school together. No one was really dating then, but there was adolescent flirtation.

Back to New Mexico for high school and the pressure was on to date. Fortunately, I liked nerdy boys with a sense of humor. An assortment of males liked me; the girl’s locker room became hazardous when a boy sought after by one of the “popular” girls asked me to prom. Sometime in the 10th grade I was labeled a slut and I don’t think the slur came from a boy. It was the girls who shunned me.

The irony is that even though I’m now an outspoken feminist and embrace my inner slut, I remained a virgin all through high school. I refused to French kiss until I’d cleared it with the nun who taught an after-school religion class. “No it’s not a mortal sin,” she said. I’m forever grateful that she didn’t follow up that statement with what it could lead to. Perhaps she didn’t know, but it wouldn’t have mattered anyway because I wouldn’t allow my boyfriend to touch my emergent breasts because of the pimples on my chest.

The slut-shaming worked. I wasn’t sure what I’d done wrong, but in order to remedy the situation I let down all the hems on my skirts, stopped dating, and stayed home from school as much as possible. The problem with that was 1) my mother’s fear — not that I might not graduate — that I might not get in enough practice to find my future husband. “You’ve got sex appeal,” she said, which only terrified me more. The second part of that phrase was fine, nothing wrong with appeal. But the “sex” part was a problem made all the more complicated by 2) my extreme horniness and guilt over it.

What to do?

2014-07-15-slut_shaming1.jpg

Fortunately, I got to go to college in the late ’60s. The Second Wave ruled! Birth control was readily available and there were savvy girls from all over the world at UNM. What was even better, they knew nothing about me. Sure, I was a little weird, but weird was in. I could blend. Somewhat.

I’d always had opinions, but had feared speaking out. My task was to overcome that sense of powerlessness, to embrace outcast status and make it work for me. Learning to do that was huge and the women’s movement helped me. Not only were there plenty of outspoken women from whom to learn, but I recognized the other me, before emergence, in women who came to consciousness-raising meetings. I could help them.

In grad school, my girlfriends and I had brunch every Sunday and read women’s sexual fantasies out of Nancy Friday’s My Secret Garden. Our laughter could be heard from down the street and we could have written our own book of sexual exploits, real and imagined. Peggy, one of the brunchers, met me recently in Venice Beach (A 70’s Redux.)

2014-07-15-Scan141790000.jpg
Santa Monica Beach, 1977, with my friend Annie (the other bruncher.)

When I started a business, almost all of my clients were male. Female friends were rare. If it hadn’t been for my friend Susan, I wouldn’t have had a baby shower for my first child or a partner in my new business. More women entered the workforce. Now I had female employees and a new challenge balancing friendship and business: I didn’t always make the right decision.

Girlfriends are still not easy. More often than not, I let them pick me. As often happens, friendships with women grew easier when I entered my 50s. I’d relaxed, accepted that some women were not going to like me, and that it wouldn’t hold me back from expressing myself or reaching out to them. Older women have experience, both good and bad, and we all just want to have a good time. Here are some vintage thoughts from some of my girlfriends. They reflect my experience now. I’m so grateful to have arrived at this point, something I don’t think my mom ever achieved:

Susan: “My women friends have outlasted everything in this life: husbands, parents, youth, and now . . . Even if we’re not together, our laughter still rings in my ear.”

Bonnie: “No matter what I was slogging thru in terms of family stuff, work, life in general, girl friends sustained and supported me more than any other relationships.”

Melody: “Laughter; tears; support; brutal honesty; fun; sharing of wisdom; gossip; fashion help; basic survival; boy-friend hating; physical, mental & spiritual healing; having someone really listen to our story-telling without judgment; reminders that we are worth loving, even if we do not love ourselves at times!”

Me and Anna, Runyon Canyon, 2012

2014-07-15-getattachment9.aspx_2.jpeg

Cindy, Missy, me: Cuba, 2012
2014-07-15-IMG_4125.jpg

Happy and peaceful women.

2014-07-15-800pxQuintana_Blas_OllerasHarem_Scene.jpg

Quintana Blas Olleras,1851-1919

This piece also here and inspired by Viva la Feminista

The Huge SIPC Risk Your Broker Isn't Disclosing

Your broker has a duty to disclose all risks from investing with him and his company. He also has an obligation to tell the truth. If he misleads you, including failing to disclose a major risk to your investment, you can sue him personally.

There is one huge investment risk that your broker is surely not disclosing. It’s the risk arising from SIPC, the so-called Securities Investor Protection Corporation. And there is one extremely serious misrepresentation he surely is making, namely that your brokerage account is insured by SIPC. Falsely claiming that you are insured represents financial fraud.

Let’s start with three basic facts.

First, SIPC is a company mandated by Congress, but owned and operated by Wall Street firms, the largest of which have a well-deserved reputation for dishonesty. Citi’s $7 billion settlement with the Justice Department for marketing fraudulent securities, made just days ago, is the latest evidence in this regard.

Second, SIPC, i.e., Wall Street, is supposed to pay you up to $500,000 if your brokerage firm goes bust, including going bust due to fraud. There are multitudinous ways for brokerages to defraud their clients, get caught, and go under. But if SIPC chooses to define the fraud as a Ponzi scheme, it can a) avoid making good on its insurance pledge and b) accuse you of participating in the theft for up to 6 years and sue you to recover the funds you “stole!”

Third, as a front-page NY Times article just pointed out, Ponzi schemes are a dime a dozen. And since there is no clear definition of a Ponzi scheme, SIPC can call virtually any fraud it wants a Ponzi scheme.

I provided a simple example of the terrible risk arising from SIPC brokerage “insurance” in a recent Forbes column entitled, “Close Your Brokerage Account” and in a longer version published by PBS NEWSHOUR entitled, “Why No One Should Use Brokerage Accounts.”

Today, I want to provide the “simple” math SIPC uses to a) renege on its insurance commitment and b) put you in truly terrible danger for doing what every investor expects and is entitled to do — spend the proceeds of his investment.

When you understand this math, you’ll understand why I’m advising you to a) close your brokerage account and b) avoid spending any withdrawals that SPIC can claw back arising from past or future fraud in your brokerage firm discovered in any of the next six years.


The “Simple” Math Underlying SIPC’S and Perforce, Your Broker’s Insurance Scam

I’ll start with the math and then illustrate it via an example. I assume your brokerage firm is headquartered in New York, whose six-year claw-back, bankruptcy “law” is the basis of SIPC’s malfeasance.

Let’s call X the difference between withdrawals and contributions over the entire history of your account.

Note that we all invest on the basis of X being positive, i.e., on the basis of our being able to earn a return on our investments and, therefore, take out more than we put in.

But if X is positive when your brokerage goes under and SIPC calls it a Ponzi scheme, you not only lose every penny of your remaining account balance, which I’ll call Y. You also get no insurance protection from SIPC — not a penny, not a dime, not a quarter, and certainly not $500,000.

Y could be all the money you have left in the world. It could be far larger or far smaller than $500,000. But as long as X is a penny or more, SIPC will declare you a “net winner” and pay nothing whatsoever on your insurance claim.

In addition to not paying your insurance claim, SIPC will have its trustee sue you, up to the amount X, for every penny you withdrew from your account over the last six years with no credit whatsoever given for contributions you made to your account over the past six years.

Illustrating SIPC’s and Perforce, Your Broker’s Insurance Scam

Say you saved up $200,000 and invested it 40 years ago with your Kansas broker, whose brokerage company operates out of NY. Had the investment yielded the stock market’s historic 10 percent average return and had you let the money ride, your account balance would exceed $9 million. But it’s only $1.4 million because your return, as reported to you, wasn’t always great and because you a) took out $300,000 back in 2000 to pay for your mom’s nursing home and b) withdrew $100,000 per year for the past six years to help your daughter start a business, cover your medical bills, contribute to your church, and help finance your retirement. The $1.4 million would be only $1.35 million had you not reinvested $50,000 three weeks back at the strong suggestion of your broker.

Today you learn that your brokerage is broke. It borrowed heavily, pledging your securities and those of other customers as collateral, to place a huge bet that went south. You’re appalled, especially when you learn that the brokerage’s top management has been doing this for years while covering its losses with new investors’ funds.

SIPC rides to the rescue. But then it realizes, as it did in the Madoff case, that it doesn’t have the funds to cover its insurance obligations and it certainly doesn’t want to assess its members. So it declares the bankruptcy a Ponzi scheme.

You’ve just lost $1.4 million — virtually your entire remaining retirement savings. You’re devastated. You call up SIPC to request the $500,000 in insurance. Here’s what SIPC says:

“You are a net winner because you took out $900,000 over the last 40 years and contributed $250,000.”

“Your X is $900,000 less $250,000 or $650,00. And because your X is positive, we, SIPC, owe you nothing.”

“Because you stole $600,000 over the last six years and because $600,000 is less than X, you owe us $600,000.”

“We’ve hired the most expensive lawyers in the country to sue you for the $600,000. They are paid by the hour and have every incentive to work as long and as hard as it takes to make you pay.”

“Have a good day.”

Additional Insurance “Protection” Your Brokerage Advertises

Some brokerage companies claim to provide extra insurance holdings. Read the fine print. First the companies have ridiculously low limits on their total insurance coverage. Second, their insurance kicks in only after SIPC’s $500,000 payout limit is reached. But if SPIC is paying you $0 (not counting the $600,000 you need to pay it), its limit is never reached and you get no protection from the “additional protection.”

Here’s Charles Schwab & Co.’s statement: “This additional protection becomes available in the event SIPC limits are exhausted. “

Here’s Fidelity’s statement: “In addition to SIPC protection, Fidelity provides its brokerage customers with additional “excess of SIPC” coverage. The excess coverage would only be used when SIPC coverage is exhausted.”

Here’s Merrill Lynch’s statement: In addition to SIPC protection, MLPF&S has obtained excess-SIPC coverage through a Lloyd’s of London syndicate. This policy provides additional protection for shortfalls above the SIPC limits (including up to $1.9 million for cash), subject to an aggregate loss limit of $1 billion for all customer claims.

I could go on with these listings, but you get the point.

SIPC’s Response

SIPC’s CEO Stephen Harbeck responded to my column in “Your Brokerage Account Is Safe With the Securities Investor Protection Corporation.” I responded to his column in “Why Brokerage Account Insurance Is a Bigger Scam than Madoff.”

As these columns indicate, I have relatives, friends, and colleagues who were twice victimized — first by Madoff and then by SIPC in its infamous, precedent-setting victimization of Madoff victims. But my personal interest in SIPC’s scam and its elimination doesn’t alter this basic fact:

SIPC has made all of us all Madoff victims. Thanks to its actions in the Madoff case, none of us can now safely use brokerage accounts.

Please have your broker read all the above-cited columns as well as this excellent exposé of SIPC “insurance” by nationally syndicated financial columnist, Scott Burns. Also ask your broker to push for immediate passage of H.R. 3482 and S. 1725, which would eliminate the SIPC risk to your brokerage account. Finally, tell him you’re closing your account pending passage of the bill.

Man Superglues Hand To Penis On 'Sex Sent Me To The E.R.'

Dr. Matthew Valente has seen his share of sticky situations in his years as a Chicago-based emergency room physicians, but none were as weird as the man who superglued his hand to his penis.

“The night before, [the patient’ was fixing his lamp next to his bed and he left the superglue tube on the nightstand,” Valente explained on an episode of “Sex Sent Me To The E.R.” airing Saturday on TLC.

The glue tube just happened to be next to a tube of lubrication he kept on hand for when he and his wife were in the mood for love.

Some time in the middle of the night, the unidentified male and his wife decided to have sex and he reached for what he thought was the lubricant.

“Only he went a little too fast, and — voila! — his hand became stuck to his penis,” Valente said.

It was a sight to behold, according to the good doctor.

“This was a large amount of skin that was affixed together,” Valente said. “There wasn’t just a small amount of glue. It wasn’t just one finger. It was, in fact, his entire palm and all his fingers, which were tightly affixed to his genitals.”

The patient’s wife was impatient for the man to get his hand off his sex organs, so Dr. Valente started researching ways to remove superglue.

The most popular suggestion was nail polish remover, a solution that presented certain risks.

“The problem with that is when you dump acetone on top of a wound that is partially open, it’s incredibly painful,” Valente said. “Just the look in his eyes when I told him that, I could tell he didn’t want to go down that route.”

Other options included applying hot, almost scalding water to the glue or simply waiting for the outer layer of skin to fall off — a process that might take two to three days.

Valente says the patient’s wife wanted the quickest option possible and didn’t seem concerned about how her hubby might feel.

“She was more concerned about making the dinner than his level of comfort or the fact that he’s in excruciating pain because he superglued his penis,” Valente said.

The story about how the man finally got unglued won’t be revealed until Saturday, but since the show isn’t titled “Sex Sent Me To The Morgue,” it’s a good chance he survived.

@media only screen and (min-width : 500px) {.ethanmobile { display: none; }}

Like Us On Facebook |
Follow Us On Twitter |
Contact The Author

Exchange Tourism Initiates a Dialogue on Smart Cities

As a blogger, I enjoy the privilege of talking to aspiring changemakers and listening to them. Lately, a particular group pushing for change include advocates for “smart cities.” Within this global movement for “smart cities” are those who believe the who held the First International Summit on Smart Cities of North Africa (ISSC) in Ifrane, Morocco. In a nutshell “Smart cities” represents a vision for improved access to services, technology, better transportation in a sustainable way.


Urbanized Is Not Always Smarter

Already by 2030, nine MENA countries will be more than 90 percent urbanized, according to UN-Habitat.

  • Bahrain (95.8 percent)

  • Israel (94.5 percent)

  • Kuwait (98.4 percent)

  • Lebanon (93.9 percent)

  • Libya (92.0 percent)

  • Oman (95.2 percent)

  • Qatar (95.9 percent)

  • Saudi Arabia (92.6 percent)

  • United Arab Emirates (93.3 percent)

Yet, the push towards urbanization often ignores the social and cultural benefits that rural environments still offer — and at a lower cost with more sustainable ways to operate.

True, urban environments tend to introduce more transportation and education opportunities — but not always as seen in ghettos and slum dwellings in highly developed countries.

The vision for a more sustainable way of living is not limited to cities. Nor is the “smart cities” vision defined by the fanciest technologies available on the market. Small towns and rural areas offer possibilities in the way of offering cleaner environments and healthier conditions, without the traffic jams and air pollution, which is another motivating force behind “smart cities” planning. However, the push for communities to urbanize and become more interconnected in the 21st century produces new challenges.

Introducing “smarter” initiatives that require advanced technology may widen the existing urban-rural divide if rural communities do not have the opportunity to make the technology relevant to their daily living, commented some of the ISSC panelists. At the same time, smarter living also considers consuming less and making better use of the space. In this case, urban living does not automatically present itself as the model of smarter living. The challenges of rural-urban and digital divides brought to mind how one Ashoka Changemaker, Rabee Zureikat, tackled this in the Jordanian context.

Rabee Zureikat comes from Amman, Jordan and studied marketing. He started volunteering with NGOs because he observed marginalization and poverty. In his observations of rural living, he noticed how the women in the Dead Sea areas reused tomatoes and onions for soil and food for animals. He filmed this alongside the waste in urban restaurants, which often thrown out the same ingredients. He observed other daily practices that contrasted with urban living and noticed a pattern: Not a single thing is wasted in a civilization. Zureikat’s TEDx Amman talk sums up his public service announcement, which he uploaded to Youtube to underline the need for respect in bridging the rural-urban divide. One style of living is not wholly, completely better.

Urban-Rural Is Not Always Forward-Backward
While contemplating what it means for a community to be ‘modern’, ‘developed’, or ‘civilized,’ he realized that the driving force for communities to exist, is to thrive, or to not be “backwards.” According to Zureikat, people do not want to be labeled as ignorant especially when they do not fall into a traditional schooling path. But what if going back towards some practices offered a better, more sustainable way to live — regardless of whether the practice is rooted in rural or urban living?

As Zureikat explained, “Civilization is a construct that looks at economic and social development … it’s a construct” so civilization can adjust to economic and social changes. Currently, the urban dimension of civilization heavily relies on consumerism. Therein lies the problem: consumerism has its limits and often, is directly counter-productive to sustainable living.

What is development? Does it mean that a village has more money to consumer more? Should not it be respecting what each community might present with strengths, concluded Zureikat.

What was clear to Zureikat was that urban environments did not clearly provide sustainable ways to thrive, but did offer some measure of improved living. He observed the same regarding rural communities living in the Dead Sea areas. “We exchange to change: I admit that you have something to give me and I have something to give you.” In the end, the focus is on respect not about getting rural areas to morph into urban, or vice-versa, but to appreciate what works towards sustainability.

In 2007, Zureikat started the Zikra Initiative after identifying Jordan’s poverty pockets. Zikra offers “Exchange Tourism” about five times per month, which means bringing influential people from urbanized Amman to undergo the village experience.

Zikra exchange denotes an equal relationship, and through exchange tourism activities, citizens interact and exchange resources and experiences. The result is bridging social gaps and shattering stereotypes on both sides, thus easing ethnic and social friction and leading to a harmonious peaceful society.

Visitors see how village men build wire cars from recycled parts. So it is no surprise that CNN listed Zikra on “Ten Things To Do” for tourism.

In exchange tourism, visitors pay a fee, which produces two positive results. First, the fee funds the community and their projects. Second, the fee process eliminates the hero/victim or giver/receiver complex that plague many development projects through philanthropic means. In the end, visitors also walk away with more respect for rural and village living. As one participant told Zikra,”They (urban visitors) may be financially rich, but I am rich in what I can produce.”

From the other side, or the urban visitor viewpoint, “I discovered that people have abilities, they just need direction.”

Like many in the development community, measuring impact — beyond testimonials — is key. Ashoka brownbags ask Fellows how they measure impact, in spite of gut reactions to success. Zureikat explained that he goes through Facebook posts and other social media tools to “capture genuine reactions” in real time. He argued that he cannot rely on the scientific method because people try to sound smarter on surveys. Responses are not as genuine. Although Zureikat’s belief did not resonate with my program evaluation background, I could see why combing through comments on social media served a kind of purpose in gauging impact.

On the plus side, Zikra Initiative’s exchange tourism will benefit from partnering with others to pursue additional programming. Partners who believe in preserving Jordan’s cultural legacy will find promise in the Zikra Initiative. Additional programming builds on the exchange tourism model with organizing retreats for companies. Zikra offers school trips and family packages to generate the two-way appreciation earlier — before stereotypes become ingrained.

Overall, Zureikat has stumbled upon a solution through his Zikra Initiative because it tries to identify the best practices of living in different environments, which could inform “smart city” development of both urban and rural areas. Zikra Initiative is significant because it tackles the overriding fear highlighted in the ISSC debates: “smart city” developments only promote a rural-urban divide if urban planning ignores what rural communities may contribute regarding environmental, agricultural, and energy-use practices.

Hopefully other ministries of tourism across Middle East and North African countries will consider exchange tourism models as the increasing push towards urbanization pigeonholes rural practices as all backwards, when indeed, they are not, as shown by the Zikra Initiative. If both Jordan’s Ministry of Tourism & Antiquities and Ministry of Social Development ever had mutual interests, exchange tourism is worth promoting. Exchange tourism initiates that necessary dialogue on how both urban and rural communities envision a “smarter city”.

The 10 Songs You Need To Know This Week

Each week, the HuffPost Entertainment team will compile and share some of our favorite tracks discovered across the web, whether they are brand new tunes, new music videos or newly discovered artists.

Viceroy – “The Life” ft. Penguin Prison

Viceroy’s “The Life” is about as poppy as can be, but that isn’t a bad thing. While the track may not be prime off-summer material, try not to imagine yourself drinking the finest liquor out of some awesome giant fruit you’ve never heard of in some tropical haven, having the best time with all of your friends. You can’t, because “The Life” is that scenario.

Vic Mensa – “Feel That”

Vic Mensa dropped the audio for “Feel That” back in February, and now he adds some tripped out visuals paired with a cameo appearance by his Save Money buddy, Chance The Rapper. If the rest of his “Street Lights” EP is as good as this track and “Down On My Luck,” it will be more than a dose of fun.

From Indian Lakes – “Sleeping Limbs”

From Indian Lakes’ “Able Bodies” was one of the most passionate, unique entrances to the indie rock scene in years. “Sleeping Limbs,” the first release from the group’s upcoming record, “Absent Sounds,” proves again that the band can’t write a bad song.

Bad Rabbits – “Can’t Back Down”

We didn’t think it was possible for Bad Rabbits to be any more rousing, and then they go and release the “Dusted” EP, reimagining several of their songs in acoustic fashion.

There For Tomorrow – “Racing Blood”

There For Tomorrow is the band that you listened to several years back and then randomly remembered one day. While 2011’s “The Verge” felt like they just hadn’t fully found their sound, singles “Racing Blood” and “Dark Purple Sky” showcase a band that is ready to make the jump to a much wider audience.

B.o.B. – “Drunk AF” ft. Ty Dolla $ign

B.o.B. did not disappoint with his “No Genre 2” mixtape, and one of the best cuts being the string-and-piano laden “Drunk AF,” the beat courtesy of Ty Dolla $ign.

Skrizzly Adams – “Me and You”

While hick-hop (aka country rap) just sounds like the most awful idea to have ever been introduced to music, Skrizzly Adams finds a balance that takes the best of both sounds and produces some extremely catchy tunes.

PARTYNEXTDOOR – “Recognize” ft. Drake

PARTYNEXTDOOR is less than two weeks from dropping his second album, and who better to recruit on his latest offering than his OVO Sound boss, Drake.

Doley Bernays – “Prey”

Doley Bernays is a rapper who you may not be familiar with, but with tracks like “Prey,” the struggle will soon be over for this Bronx native.

Becky Hill – “Caution To The Wind”

After making her mark on “The Voice UK” back in 2012, Becky Hill is working hard to keep the buzz alive. “Caution To The Wind” has it all: powerful vocals, a danceable beat (one that is just begging to be remixed) and lyrics that can relate to everyone.

A Turning Point

Just recently the Department of Veterans Affairs has come under an unparalleled level of scrutiny, or as many Veterans and myself would say, that for the first time in recent years they are being forced to air out their dirty laundry. I must admit that it feels somewhat empowering to see the level of attention and care that is being paid towards the overwhelming issue that is the VA, but I must also admit that I am to scared to believe that anything will get fixed. I am by no means saying that the VA is the sole reason for all of the issues that Veterans and their families face after military service, but what I am saying is that as a country as we start to open Pandora’s box will it be too overwhelming, and the problems only continue to worsen.

Now that we have done the first step of admitting the problem we must now move on to looking at what the issues might be. As of 2012, according to the latest information found on the Census website, there are over 21 million Veterans in America. There are currently over 3.6 million Veterans that have service-connected disabilities due to their military service. A “service-connected” disability is one that was a result of a disease or injury incurred or aggravated during active military service. This information was astounding to me and terrifying to say the least, because as it stands now the system is backlogged at an unprecedented level, and it seems that the system in place cannot support the current workload — much less the amount of people that it should be able treat — and we are running out of time. Every time I have been to the VA the main problem that I have encountered has never been the level of care, but it has been getting access to care that has always been the issue.

The grueling process of enrolling in VA care is, in my opinion, the equivalent to siting in a bathtub full of scissors. You begin this journey first by getting your initial physical exam, which I chose to do during my last few months on active duty before separating from the Marine Corps in the fall of 2010. I had heard that after the exam it would take a certain amount of time before I would find out when I could begin to gain access to medical care. It was close to nine months later when I found out that I could go to the VA to go through the steps of being assigned a primary care physician. By the time I was able to attend my first VA appointment it was in the late spring of 2011, and when I finally arrived I found myself pleasantly surprised with the level of care received, and then thought this wasn’t half bad until I began scheduling appointments thereafter.

The entire time I was waiting to hear the results of my decision I must have spent countless hours waiting on the VA hotline just to try and get any information. After more phone calls, wasted minutes and “accidental hang-ups” by the phone system, I learned a few things. The first is that there are two different types of call-waiting music, and the first is “you-are-just-waiting-forever” music. The second is the “next-in-line” music that you hear after at least an hour of waiting on hold, and half the time I was then redirected back to the waiting forever music.

I am not sure if hell has theme music, but if it does I imagine that it is the exact same as the call-waiting music of the VA.

The biggest issue is not the level of care, but actually getting into the door to your appointment. Of course, this is not the only concern, nor would this solve everything, but this is a major problem that could fix a lot of situations. There are Veterans who have died waiting on care, waiting to speak to someone about medical and mental needs that may have already been going on for months or even years. This is a very important time in our nation’s history and what actions are taken next will be the measure by which we will all be judged. George Washington once said, “A nation is judged by how well it treats its veterans.” My hope is that one day we will come to a place where stories like these become commonplace and that this moment in time be remembered as a turning point and not our downfall.

Black-Owned Businesses Are Quietly Powering Detroit's Resurgence, But No One's Talking About It

Detroit will mark the first anniversary of its bankruptcy filing this Friday, and across the country, people are watching the city to see how it has survived the upheaval.

Despite pending cuts for pensioners, as well as widespread poverty, sobering health and violence statistics and a declining population, Detroiters have expressed cautious optimism about recent changes, which include greater investments in development, promises to improve city services and an ambitious plan to eliminate urban blight.

The largest municipal bankruptcy in U.S. history has also stirred up interest in success stories. Though no one person will fix Detroit, some people have received well-deserved attention for their work to improve the city. A New York Times article last month highlighted hot spots in the Corktown neighborhood, and a story in the same paper earlier this year heralded small businesses.

But something’s missing from those pieces, and from many other articles that examine the city’s resurgence: black Detroiters, who make up 83 percent of the population.

Stories that claim entrepreneurs are building, revitalizing and even saving Detroit focus primarily on white professionals, often younger and new transplants to the city, a trend that’s palpable and frustrating for locals. When journalists and readers criticized the Times for leaving blacks out of its Corktown story, the paper’s public editor addressed the lack of diversity in a follow-up, and the writer said she regretted not including a black-owned business. (A more recent Times story takes a wider-ranging view.)

It’s not difficult to find a black business owner to speak with, though. There are more than 32,000 in the city, according to U.S. Census Bureau figures from 2007. Many, particularly those who have kept their businesses going on shoestring budgets, feel excluded from conversations about Detroit’s revival and overlooked when it comes to getting access to funds and resources.

“I think, for the most part, black-owned businesses are not getting a piece of the pie,” bookstore owner Janet Jones told The Huffington Post. “What about people who have been doing the hard work of living and working and having business in Detroit for the last 20 years?”

Despite difficulties, many business owners have had their doors open for decades, something local developer George Stewart, 77, traces back to historical segregation that had white business owners refusing service to black customers.

“During the good times and the bad times, black-owned businesses have been around, primarily serving their community,” said Stewart, who moved to Detroit from Baton Rouge, Louisiana in the 1960s. Such businesses, Stewart said, have long been “circulating resources, building wealth [and] opening doors to other opportunities, such as higher education and lifestyle.”

Below are just a few of the successful black business owners contributing to Detroit’s resurgence, including young entrepreneurs newly investing in the city and locals who have stuck with it for years.

Hamilton Anderson Associates has been designing Detroit’s future for decades.

rainy hamiltomRainy Hamilton. Photo courtesy Hamilton Anderson Associates.

After working for others, Rainy Hamilton started his own company out of his home 20 years ago with co-founder Kent Anderson. Since then, the 50-person firm (with 20 percent minority staff) has grown to include offices in Las Vegas, New Orleans and Detroit’s Harmonie Park, and has been involved with a range of projects that have contributed to Detroit’s development, including work on schools, community centers, the MGM Grand casino and a light rail line now under construction, as well as Detroit Future City, a book-length urban planning document released last year.

Hamilton took cues from his dad, a Ford employee with a landscaping business on the side.

“My first job was working for him when I was barely big enough to handle a pair of gardening shears,” Hamilton said. “Being an entrepreneur is somewhat in my spirit.” Hamilton also opened a hobby shop in a nearby suburb several years ago.

Despite his relative success, Hamilton said he’s experienced challenges getting work as a black architect. He suggested implementing policy in Detroit that would help long-standing businesses within city limits.

Textures by Nefertiti nurtures women’s outer beauty — as well as their minds and spirits.

textures by nefertitiNefertiti Harris with her two children. Photo courtesy Textures by Nefertiti.

The historic Cass Corridor neighborhood in greater Midtown is now a development hot spot, but when Nefertiti Harris started her business there 13 years ago, she “was literally chasing prostitutes off the street corner.”

Harris first called her space a “non-salon,” because of her focus on natural hair and her emphasis on caring for women’s inner selves.

“If a woman wants to make a change and comes into the salon,” she said, “it’s usually not just about the hair, but about really getting free in her life.”

Last year, Harris also opened Tarot and Tea in West Village, where she focuses on her customers’ inner lives with spiritual readings, a cafe and a small boutique.

Detroit Vegan Soul helps Detroiters expand their horizons with a healthy spin on comfort food.

kristen usseryErika Boyd and Kirsten Ussery-Boyd. Photo courtesy Detroit Vegan Soul.

Erika Boyd and Kirsten Ussery-Boyd both left careers in other fields to open a restaurant in West Village last year, serving soul food classics like collard greens, barbecue and mac-n-cheese — all vegan. They took the leap after watching loved ones and the broader African-American community struggle with diet-related illnesses. Together they crafted a menu that’s both delicious and healthy.

Ali Sandifer Studio brings its modern style to Detroit’s design community.

sandiferAndre Sandifer of Ali Sandifer Studio. Photo by Jill Ladelle.

Husband-and-wife team Andre Sandifer and Abir Ali are the founders of Ali Sandifer Studio in Detroit’s Russell Industrial Center. There, they make modern furniture with cleverly camouflaged storage compartments out of sustainably harvested domestic hardwoods.

Sandifer told HuffPost that there are few minority-owned furniture design studios in the country, and that his and Ali’s presence in Detroit contributes to a larger legacy of design talent in the city.

Thrift on the Avenue sells style with a mission.

thrift on the avenueJessica Glen, R. Christoper Prater and TaNisha Prater. Photo by Crystal Baskin.

R. Christopher Prater and TaNisha Prater, who recently moved back to their native Detroit from Atlanta, opened their boutique in Midtown this year with partner Jessica Glen. They sell secondhand women’s clothing — TaNisha is a third-generation retailer, and her husband has always been a thrift shopper, a necessity in his family of 13 siblings.

The Praters say style is a secondary priority for the shop, which donates 30 percent of its proceeds to Coalition of Temporary Shelter, a nearby residence for homeless Detroiters. Thrift on the Avenue has started a recurring event to give full makeovers to women at COTS and raise awareness of the circumstances that lead to homelessness.

“If we can help people transition from homeless shelters and put them in a position where they can land a job and provide for their families, that’s worth way more than the couple bucks we make from a pair of jeans,” R. Christopher said.

Sweet Potato Sensations turned a unique family recipe into a brick-and-mortar bakery.

sweet potato sensationsSisters Jennifer and Charice “Espy” Thomas. Photo courtesy Sweet Potato Sensations.

Sisters Jennifer and Charice “Espy” Thomas run Sweet Potato Sensations with their parents Jeff and Cassandra, who started the business in 1987. Their bakery in the Redford neighborhood takes the sweet potato to new heights, using it to make pies, ice cream, cheesecake, waffles and more. Cassandra’s recipe for sweet potato cookies quickly became a favorite among friends and eventually led to the cafe staffed with local residents.

Hair Wars turns one of Detroit’s big businesses into an art form.

hair warsDavid Humphries with a Hair Wars model. Photo by Star, courtesy Hair Wars.

Back in the ’80s, David Humphries was a club promoter looking to add a twist to Detroit nightlife. On a whim, he started Hair Wars as a place for stylists to show off their work.

“I soon realized I had tapped into the biggest black entrepreneurial business in America,” Humphries said.

Decades later, the annual show draws big crowds and features some of the most outlandish and exciting coiffures imaginable — many of them more art than hair.

Detroit Dirt is creating a sustainable future for the city from the ground up.

Pashon Murray appeared in a Ford commercial earlier this year.

Not many people are passionate about the manure of exotic herbivores, but that’s what Pashon Murray collects from the giraffes, rhinos and zebras at the Detroit Zoo as part of her larger plan for sustainable urban farming and gardening. Detroit Dirt sells compost that Murray makes in a Corktown field with waste from local restaurants, breweries and company cafeterias.

After experimenting with soil blends, Murray plans to expand her business and hire several people next year.

“As a black woman, I feel like I’m obligated for our youth and community to set a standard,” she said. “I would like the black community to get more involved in agriculture … Sustainability is not a black and white thing. It’s an all-inclusive thing.”

Source Booksellers fosters a literary community.

source booksellersPhoto courtesy Source Booksellers.

Janet Jones started selling books in 1989, first as a small vendor at events, then as part of a collective. Last year, she opened a stand-alone shop in Midtown. Her curated selection of nonfiction books on history, culture and spirituality, among other topics, are chosen with an eye toward educating people and enhancing their lives. So are the events and classes held in the bookstore’s community space.

The Social Club Grooming Company brings sustainability and inclusiveness to the barbershop.

sebastianPhoto by Brian Kelly.

Sebastian Jackson’s first three business plans were rejected, but in 2012, he and his wife Gabrielle eventually succeeded in opening the Social Club Grooming Company, built with reclaimed lumber from blighted Detroit homes, on Wayne State University’s campus. They’ve partnered with a local park to build a greener city. Already, clippings of cut hair have been used as fertilizer for 200 new trees.

While Jackson takes pride in the diversity of both his staff and his clientele, he notes that barbershops have historically served as a black community hub, and aims to recreate that experience for all Social Club customers.

“We need to create and support more businesses that cater to the predominant Detroit experience,” he said.

The Woodward Garden Block Development revitalized a Detroit block without wiping out its history.

woodwardPhoto courtesy Woodward Garden Block Development.

George Stewart and his partner Michael Byrd have worked since 2000 to transform a once-dilapidated block of Woodward Avenue. Today, the $53 million Midtown development includes office space, apartments, parking, a coffee shop, a restaurant and the Garden Theater, restored from a century-old movie palace.

“It took five times longer than any other project of its kind,” Stewart said. “When we first started, doing business in Detroit was not easy … We had to have a lot of patience and be creative in how we acquired resources to fund our dream.”

Savvy Chic serves up Parisian style to Detroiters.

savvy chicPhoto courtesy Savvy Chic.

Eastern Market is now known for its shops, galleries and farmers market, but when Karen Brown opened her boutique, her street was known more for its meat wholesalers. Brown never wrote a business plan, but she has kept Savvy Chic open for 14 years, selling home goods, antiques and clothing. Entrepreneurship runs in the family: Brown’s mother has owned a flower shop in northwest Detroit since the 1980s.

The N’Namdi Center for Contemporary Art sustains Detroit’s creative legacy and builds momentum for the future.

nnamdi centerPhoto courtesy The N’Namdi Center for Contemporary Art.

After running other galleries, George N’Namdi opened the nonprofit N’Namdi Center for Contemporary Art in 2010 in the Sugar Hill Arts district. The Center includes exhibition spaces, indoor and outdoor performance areas, a gift shop and a separate vegetarian restaurant. N’Namdi showcases Detroit artists, aiming to propel them to national recognition, and supports other local galleries.

N’Namdi said it’s important for Detroit’s development to occur organically, rather than at the cost of “sanitizing” the city.

“I think we have to make sure we do not lose the soul of Detroit or that Detroit spirit,” he said. “People can move here because of the inexpensive real estate, but they stay because of the soul.”

Breaking Down Jimmy Graham's New Deal With The New Orleans Saints

By Aaron Wilson, National Football Post

New Orleans Saints star tight end Jimmy Graham’s $40 million contract includs a $12 million signing bonus and $20.9 million in total guaranteed money.

Graham’s $1 million base salary for 2014 is fully guaranteed. He has a first-year salary-cap figure of $4 million.

In 2015, he has a $2.9 million base salary guaranteed for injury only at signing. It becomes fully guaranteed on the third day of the 2015 league year. He’s due a $5 million roster bonus guaranteed for injury only at signing and becomes fully guaranteed if he’s on the roster on the third day of the 2015 league year. He has an $11 million salary-cap figure for 2015.

He has $100,000 workout bonuses in 2015, 2016 and 2017.

In 2016, Graham has an $8.9 million nonguaranteed base salary and a $12 million salary-cap figure.

In 2017, Graham has a $7.9 million nonguaranteed base salary and a $13 million salary-cap figure.

Follow me on Twitter: @RavensInsider

Aaron Wilson covers the Ravens for The Baltimore Sun

Tech Deals of the Day: Thursday, 7/17/2014

Our friends at TechBargains.com compile a list of daily deals to help you save money. Keep in mind that as with any good deal, products are limited in quantity and can sell out quickly – so don’t hesitate to check them out now.

If you’re looking to buy a product from a specific store, save money with updated and verified coupon codes here.

Computers & Peripherals:
Seagate Barracuda 3TB 7200RPM/64MB Internal SATA Hard Drive $69.99 plus free shipping (normally $110 – use this form and code: NAH133687)
Canon PIXMA MG5520 Wireless Color Inkjet All-in-One Printer $49.99 plus free shipping (normally $120) • Seagate Barracuda 3TB 7200RPM/64MB Internal SATA Hard Drive $69.99 plus free shipping (normally $60 – use code: EMCYTZG685)
Kingston SSDNow V300 120GB SATAIII Solid State Drive $44.99 plus free shipping (normally $90 – use code: VISACHECKOUT)

Home Entertainment:Samsung UN55F9000 55″ 4K 3D LED LCD HDTV $1499.00 plus free shipping (normally $2000)
Final Fantasy X/X-2 HD Remaster Game (Playstation 3) $19.99 (normally $40)
Microsoft Xbox LIVE 12 Month Gold Membership Card $39.99 plus free shipping (normally $60 – use code: VISACHECKOUT)

Personal Electronics:
T-Mobile Data SIM Starter Sim Card FREE plus free shipping (normally $10 – use code: FREESIM)

LEGO BioShock Infinite Diorama: Columbricka

One of my favorite games on the PC is the original BioShock. I really liked BioShock Infinite, but it wasn’t as cool as the original to me. Some geeks from Imagine Rigney have built a massive LEGO recreation of one of the pivotal levels from Bioshock Infinite – the Infinite Bank of the Prophet.

bs 6magnify

The massive brick construct has the giant metal songbird perched atop a building and even has sky rails used to get around the floating city of Columbia. I would love to play with this massive LEGO construct, it’s awesome.

bs 1 300x250
bs 2 300x250
bs 4 300x250
bs 5 300x250
bs 3 300x250

I wonder how long it took them to build. Seeing this makes me want to ditch work and play BioShock all day.

[via Kotaku]