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We wouldn t be able to do any of the stuff we do with kids if it
wasn t for the support we get from local business people in our
community. This is not a shameless plug for our sponsors, just
recognition of the fact that whatever we ve been able to achieve
in Dulwich Hill has been a team effort between church and
community.

People often ask me, “I suppose the church pays for all this, do
they”. I tell them straight, that our little church in Dulwich
Hill has never been able to properly afford even the minimum wage
for their priest, and that the Church with a capital C (ie. the
Anglican Diocese of Sydney) has contributed next to nothing. No.
Almost all our support comes from the three local pubs - the
Gladstone, the Royal Exchange, and the Henson Park Hotel - and
from the local RSL club (Petersham). The rest of it we pick up
through the Christians vs. Lions fight nights we put on, and
through other community events (eg. the Mayor s golf day, the
annual community Street Fair, etc.).

It wasn t always this easy. In the early years we really
struggled to keep the Youth Centre open. Then we caught the
attention of one corporate benefactor, who was able to keep us
going long enough for us to put the other support in place. That
benefactor was Ray Williams, former chief executive of HIH
insurance - one of the most gentle, caring, and humble men I have
ever met, and currently one of the least popular men in the
country.

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It amazes me when I think about it. Some of the best people I
have ever met are people with terrible reputations. In each case
of course their reputations have been largely media-generated.

When my mate Jim got shot, one of the major Sydney newspapers ran
story entitled “Evil Villain Gunned Down”. It featured a picture
of Jim carrying an automatic weapon. The picture had been taken
many years earlier during Jim s time with the Australian Army. I
thought You bastards! That s not the man I know.

When Morde was on trail in Israel I read a variety of articles
that spoke about him as being a sophisticated spy - working for
the Arabs and out to destroy his country. I thought You
bastards! You have no idea who you are talking about.

Now I read stories about Ray - about how he manipulated the
market to line his own pockets and how he deliberately defrauded
millions of people, and I think again You bastards .

Ray was sent by God to help us. I have no doubt about that. I
first met him through a fight I took, though Ray himself was no
fan of boxing.

The story of that fight was in itself quite bizarre.

I had been sitting with the Archdeacon in my office one
afternoon. He was wagging his finger at me and telling me that
I d have to close down the Youth Centre. “You just don t have
enough money to keep it going” he said. And he was right. We were
exactly $1000 short of being able to pay our youth worker s wage
for the next month. I was feeling rather nonchalant about it all
and was telling him to have more faith. At exactly that moment
Kon, my trainer, came to the door.

“Dave, do you want to take a pro fight?” he asked. “No” was my
knee-jerk reaction. I d just completed my fight career (I d
thought) with a shot at the NSW super-welterweight title in
kickboxing. The law in this state at the time was that you had to
hang up your gloves when you turned 35. I was 34 and nine months
at that stage. “How much are they offering?” I asked Kon. “$1000″
he said. I told him I d take it. We raised close to $50,000 for
the Youth Centre through that fight. More than half of that money
came through Ray.

A guy by the name of Jeff Wells wrote an article about my fight
that was published in the Sydney Morning Herald one Saturday.
After that, cheques for as much as $1000 started arriving in the
mail! Then one morning a courier turned up with two cheques - one
for $10,000 in the name of HIH insurance, and another for $15,000
in the name of a Mr R. Williams. I remember trembling when I
received these cheques. I d never seen that much money before in
my life.

I had never heard of Ray Williams, but his business card was
attached, so I rang the number and got one of those classic
receptionist voices, saying “Mr Williams is busy at the moment.
Can I take a message?” Then I mentioned my name and all of a
sudden I was speaking to Ray.

“Ah … hi … do I know you?” I started. “No. I don t think so,”
he said. “You ve just sent me cheques for $25,000″ I said. “Yes”
he said. “Um … are you a local from around here? Have you been
watching our work?” I asked. “No” he said. “Well … are you
connected with the church or with youth work around here?” “No”
he said. “Well … are you a fight fan?” I asked, scratching for
some point of connection. “Not at all” he said. “I read an
article about you in the Herald and it looked like you needed
some help.” “Yeah, I do” I said. “Well, will that help?” he
asked. “Oh yeah” I said, “that ll help.”

That s how our relationship began. Over the years that followed
Ray took a keen interest in our work. As things at HIH became
tighter, we didn t receive any further support from the company,
but Ray himself would generally turn up to our fundraiser fight
nights, and he wouldn t leave before slipping us a cheque from
out of his own funds. It s what kept us going while we searched
for more stable sponsorship from the local community. We owe a
lot to Ray.

And it wasn t just the money. It was the man too. He was
inspiring in his humility.

At the time of the first donation we had a guy in our church who
worked as one of the chief accountants in the public hospital
system. “Oh yeah” he said to me one Sunday. “If it wasn t for Ray
Williams, half the hospitals in Sydney might be closed.” And then
he added “but he never likes to have his name mentioned. He hates
the limelight”

We found this to be entirely true. We managed to get him on stage
once to present a trophy to one of our fighters, but it was a
tough job. He really hated being at the centre of attention. It s
one of the things that makes this Royal Commission so odious to
him.

I still can t believe the way the media have gone after him -
vigorously attacking him for his generosity to hospitals and
charities. It s not as if he was giving away money that should
have gone to insurance claimants. If he hadn t given it away, I
guess it would have slightly increased the dividend paid to the
shareholders, and he himself must have been one of the largest
shareholders. I still find it preposterous to think that the
media should have acted so self-righteously indignant about the
fact that the poor shareholders were losing potential income
because it had gone to the children s hospital. It s just
ridiculous.

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But it wasn t only the media that crucified Ray. Once the news
about HIH s collapse became public knowledge, former colleagues
deserted him, old friends and associates turned their backs on
him, and charities that he d been supporting for years all of a
sudden didn t want to know him. Ray had been on the board of the
Children s Hospital for as long as anybody could remember. They
sent him a letter saying thank you but your services are no
longer required . Nobody waited for the results of the Royal
Commission. Nobody waited to see if perhaps he wasn t the real
villain in the piece. Everyone distanced themselves, not wanting
their own reputations to be tarnished.

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I seriously can t understand that attitude. I know I m capable of
doing some stupid and selfish things, but deserting a mate in his
time of need is not one of them. When I think about all the
people that Ray must have helped over the years, I just can t
believe that none of them thought to ring him up and say How are
you going, Ray. Perhaps it s my turn to give you some support?

Anyway, my point here is not to spit my dummy. And I ll be the
first to admit that I don t have a clue about big business,
insurance laws, or anything of the sort. But I know a good man
when I meet one, and Ray Williams is a good man and someone whom
I m proud to call my friend. And I ll be buggered if I m going
stand by and listen to people pouring crap out on a mate of mine
without saying anything.

To be truthful, I don t expect that Ray will ever fully regain
his former reputation or standing. I know too much about how the
media works and about how our court system works to ever expect
real justice. As with my friends Jim and Morde, I m not holding
my breath waiting for the truth to come out. No. I ll look to the
day when the kingdom of this world will become the kingdom of our
Lord and Christ. When that day comes, all the crap will be sorted
out.

About the Author

‘Fighting’ Father Dave Smith - Parish Priest, community worker,professional fighter, father of three. Dave is the only Australian in Holy Orders to turn pro boxer to help fund his work. He is Parish Priest in Dulwich Hill, Sydney,and has received numerous awards for his work with young people

Get a free preview of his book, ‘Sex, the Ring & the Eucharist’ when you sign up for Dave’s newsletter at www.fatherdave.org

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Things You Ought To Know in Faultless Car Accidents

 by: Paul Hood

Anyone who has been involved in a vehicular accident, regardless of fault, can avail of No-Fault Benefits which would include compensation for wage lost, medical expenses and a replacement vehicle. It is also termed as Personal Injury Protection Benefit or PIP. Certain states like Minnesota have enacted laws requiring vehicle owners to have no-fault coverage as part of their automobile insurance coverage.

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Moreover, Minnesota also encourages vehicle owners to have at least a minimum no-fault policy which will disburse $20,000 for an individual s medical coverage and another $20,000 to cover other losses.

As a rule of thumb, in cases of vehicular accidents, it is imperative that you get in touch with your automobile insurance agent to report the accident. Your agent will furnish you an application for no-fault benefits if you sustain injuries. These benefits may include wage loss, medical expenses, mileage and replacement services and other economic damages.

www.nvo.com presents below conditions for a claimant to be qualified:

• Medical expenses of $4,000 or more.

• Some or all of the injuries are permanent.

• A permanent scar and/or disfigurement.

• The injury results in disability for 60 days or more.

• Death. If the victim dies as a result of someone else’s negligence, the family has a wrongful death claim.

Medical expenses that will be covered by No Fault are those medical expenses that are reasonable and necessary are covered. Often, this definition may exclude experimental treatments or holistic treatments. Minnesota Statutes 65B.44 specifically includes as necessary the following:

• medical, surgical, x-ray, optical, dental, chiropractic, and rehabilitative services, including prosthetic devices

• prescription drug;

• ambulance and all other transportation expenses incurred in traveling to receive other covered medical expense benefits;

• sign interpreting and language translation services, other than such services provided by a family member of the patient, related to the receipt of medical, surgical, x-ray, optical, dental, chiropractic, hospital, extended care, nursing, and rehabilitative services; and

• hospital, extended care, and nursing services. (Hospital room and board benefits may be limited, except for intensive care facilities, to the regular daily semiprivate room rates customarily charged by the institution in which the recipient of benefits is confined.)

• Benefits also include necessary remedial treatment and services recognized and permitted under the laws of this state for an injured person who relies upon spiritual means through prayer alone for healing in accordance with that person’s religious beliefs. * Medical expense loss includes medical expenses accrued prior to the death of a person notwithstanding the fact that benefits are paid or payable to the decedent’s survivors.

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Before any wage loss claim will be paid by your insurer, you must provide:

• A doctor’s disability slip (permission to miss work) must be presented to your No-fault insurance adjuster in order for you to receive wage loss benefits, AND

• Proof of wage loss from your employer on a form available from your insurance adjuster.

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2. Mileage claims under No Fault?

If you are injured, No Fault benefits will also repay you for any “reasonable” mileage expenses incurred for transportation to and from your medical provider

About The Author Ariel Velasco goes by the author alias of Paul Hood. This author is into books and writing. Reading is an essential part of his life and this has lent a considerable influence in his writing. Well traveled and would always want to travel more. He loves learning more about people and their ways. Took up a Bachelor of Arts in Sociology to further this fascination and had a fulfilling educational experience having been exposed to a wide spectrum of people. Always ready for new opportunities to learn and have a great deal of interest in different fields of expertise. For comments and questions about the article you may contact The Personal Injury Site Moderator at or visit their website at http://www.personalinjurylawyersinc.com contactus@personalinjurylawyersinc.com

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CHOOSING A FIDUCIARY

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Your fiduciary is an integral part of your estate plan. Who should you appoint to coordinate your affairs upon incapacity or death? Consider these questions when making the selection:

What are the responsibilities of my fiduciary? The fiduciary you select should be capable of handling the responsibilities of the appointed role. Personal Representatives and Trustees are charged with the duty of gathering your assets, satisfying your liabilities and distributing your estate among your beneficiaries.

In safeguarding your assets, fiduciaries must make prudent financial decisions. The complexity of such decisions depends upon the nature of your assets. For example, a closely held business is a more difficult asset to manage compared to a portfolio of marketable securities. Select a fiduciary knowledgeable enough to handle your specific assets.

How long will my fiduciary be required to act? The Personal Representative s role (Executor/Executrix) is a short-term one, while that of the Trustee is long-term. A trust can last for many years and span several generations.

It may be sufficient to name a certain fiduciary as your Personal Representative due to the limited nature of that role, while another fiduciary may be better suited to act as your Trustee.

Who are the beneficiaries of my estate? Are there any special family circumstances to consider?

Your family dynamics can impact your fiduciary selection. Your fiduciary must be able to communicate effectively with your beneficiaries. Your fiduciary should also show fairness and impartiality when beneficiaries have conflicting interests. If you foresee potential conflicts among beneficiaries, it is wise to select a fiduciary immune to such tensions. Consider the potential difficulties you may impose upon a neutral family member or friend.

Will my fiduciary charge a fee for its services? If you appoint a professional fiduciary, review their fee schedule carefully. Family members or friends sometimes forego taking such fees, also, these fees are subject to income taxation.

What personal considerations do I have for selecting my fiduciary?

The selection of a family member or friend as your fiduciary may be tempered by personal goals. Do you wish to give your spouse an important role in the handling of your affairs? Do you wish to show your confidence in your child s abilities?

An estate plan is designed to express your personal wishes, and your fiduciary selection can reflect those wishes as well. However, personal considerations should be weighed carefully against other relevant factors.

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Consider appointing a family member or trusted friend as a co-fiduciary to act with a well suited individual or professional fiduciary.

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Is my selected fiduciary willing to serve? Most importantly, determine if your selected fiduciary is willing to serve as such. The task of a fiduciary can be complex and time consuming. Your fiduciary should be willing to undertake the responsibility of handling your affairs. Discuss the appointment with your chosen fiduciary. A begrudging Personal Representative or Trustee does not make the most effective fiduciary.

——————————————————————————–

Courtesy of: Steven W. Tarta, Attorney at Law. 45 N. Broad Street Ridgewood, NJ 07450 PHONE 201-444-8448 E-MAIL: TARTALAW@ATT.NET Fax 201-612-0827Please be sure to check out www.tartalaw.com for estate planning learning center information.

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How Kids Learn To Cooperate In Video Games — A Guide for Parents and Teachers

 by: Marc Prensky

A great many parents are concerned that the electronic games their kids play are teaching the kids negative messages such as aggression, violence, and isolation from real people. I want to illustrate here how computer and video game playing, can have positive effects on kids. This includes even the addictive game playing associated with many of these games. The learning from these games is well worth the effort the kids put in playing them, and kids typically sense this at some level, which is one reason they fight so hard for their games.

One key lesson many of their games is teaching them is the value of people working together and helping each other. To illustrate how this occurs, I will use one particular game, Toontown, as an example.

Toontown (www.toontown.com) is the Walt Disney Company s entry into the Massive Multiplayer Online Role-Playing Game (MMORPG) category. For the non-initiated, that means a computer game that supports thousands of players online simultaneously, all of whom can see and interact with each other. A key feature of these worlds is that they are persistent, meaning that the worlds continue to exist and change whether or not you are there, just any other place in the real world.

[Note: There are two types of multiplayer online games, both of which have their advantages. One type, the multiplayer game, lets you interact with a limited group of people, such as those on your team or squad, in a game world that typically exists for only the time you are playing. The game America s Army is a good example of this. The second type, the massively multiplayer game, lets you interact with everyone you meet in the ongoing world. Massively multiplayer games like EverQuest, Asheron s Call, and Dark Age of Camelot have captured the time and imaginations of hundreds of thousands of US teenage and older players. The Korean massively multiplayer game Lineage has over 4 million registered users, often with up to half a million players on-line at once. The players typically meet in relatively thinly-populated areas of very large and often interconnected virtual worlds, so even with these huge numbers, it is not like pushing your way through Times Square on New Year s Eve.]

Toontown is the first massively multiplayer game designed specifically designed for younger kids (pre-teens, I think, though they don t specifically say.) In addition, many older kids and even adults enjoy playing it. In the game you create, name and dress a character, and then you take it out to play in the virtual world. Your character is the representation ( avatar ) of you playing in the world it is the you that other players know.

Although if you wanted to you could spend your entire time in Toontown merely running around the virtual world, the object of the game is to defeat Cogs, members of the evil gang that wants to take over the town. The Cogs to fight come in many varieties and strengths. To defeat a Cog you employ gags such as squirt bottles or pies in the face that you purchase with jelly bean currency that you earn in a number of ways.

In your early days in Toontown, when you have earned relatively few gags, you typically run around alone, deciding when to confront a low-level Cog you pass in the street. (You do this by running into it.) You and the Cog then square off and do battle, taking turns throwing gags at each other. If you defeat the Cog, he explodes and you are rewarded with points towards additional gags. If the Cog defeats you, you die, which means you lose all your gags (although, importantly, you do not lose the experience you attained i.e. the types and levels of gags you are allowed to purchase and use.)

There are a lot of other twists, but that s essentially the game: Earn and buy gags, use them to fight Cogs.

But here s where the cooperative part comes in. As you move to higher experience levels, the tasks you are required to accomplish become more and more difficult. You often have to rescue buildings that the Cogs have taken over, buildings that have multiple floors filled with high-level, hard-to-defeat Cogs.

And you can t do this alone, no matter how much experience you have. So you begin to learn to play the game with others. The game encourages this, with friends lists and built in speed chat menus consisting, for kids protection, of a limited number of phrases you can use. For example, you can invite your friends to help you defeat a building (or, if you prefer, you can just wait outside for others to show up.)

But it gets subtle. Just because someone is your friend (or wants to be) or happens to show up, doesn t mean he or she has the experience to defeat the higher-level Cogs. You can check out someone s gags when they are in range to help you decide whom to work with, but success depends not only on the level and number of gags one has, but also on knowing how to use them in battle. You learn over time what players you want on your team to achieve success in particular situations. Sometimes, to be sure all of you survive, you have to reject players who ask to work with you on a certain task. One of the things you can say through the speed chat is I think this is too risky for you. Just as in the real world, such advice is not always well-received, and the game gives you the opportunity to learn to deal with this.

In the midst of any battle players typically fight higher-level Cogs in groups of four a player can choose, rather than to throw a gag at the Cogs, to instead give his or her fellow players additional laff points (i.e. health). Doing this helps prevent them from dying and dropping out of the battle. One skill typically gained from frequent play is knowing when to help your teammates versus when to attack the Cogs. This is not trivial. One adult player described her first battle with ultra-high-level Cogs as extremely nerve wracking, and characterized the strategies she had to employ to work successfully with the other players as the most emotional experience I ve ever had in a game. And this is the version for kids!

And there is yet another way Toontown players learn there is value in cooperation. Some of the tasks available to higher-level players allow them to earn jelly beans by helping out new players. When these experienced players see a Newbie fighting a Cog on the street, they can join in and assist. When the Cog is defeated, both the experienced player and the Newbie get rewarded game at their own level.

Is it Boring?

Still, while the tasks at the start of the game involve defeating only one Cog at a time and the tasks at higher levels require players to defeat hundreds of Cogs on their way to liberate bigger and bigger buildings, the battles are very similar. Isn t that boring? I asked one addicted player. After all it s basically the same thing over and over fighting Cogs.

I like going up the levels, she replied. And of course the only way she can do this is by learning to cooperate well with real people, in real time while sitting at her own computer.

I encourage readers of this article to try Toontown, both with your kids, and even on your own. (You can go to www.toontown.com to get started.) See how far you can get. If you happen to enjoy the experience, you can go on to the aforementioned older players games, where the enemies are fantasy monsters and the buildings castles to storm, yet where the principles of cooperation are basically the same. If you actually get addicted to cooperative play, don t blame me these games are designed to reel you in.

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But even if you don t get hooked yourself and the more you are from the Digital Immigrant generation the less likely it is that you will hopefully you will have learned this important and generally-overlooked lesson:

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What keeps the kids playing these games is not the violence (that s all fake and the kids know it), but rather the ability to work together with others to achieve more and more difficult goals.

Can you think of any skill more useful for children to spend their time learning? I can t.

About The Author At this point of time, I’m like a doubting Thomas about the utility of this report. It simply added to the list of individuals who were researching christian ministry. All can not get the gains from it. As a person who is looking for christian ministry, only you can fairly figure out if this helps. Go through this till the end to see if it works for you. Marc Prensky is an internationally acclaimed speaker, writer, consultant, and designer in the critical areas of education and learning. He is the author of Digital Game-Based Learning (McGraw-Hill, 2001). Marc is founder and CEO of Games2train, a game-based learning company, and founder of The Digital Multiplier, an organization dedicated to eliminating the digital divide in learning worldwide. He is also the creator of the sites and . Marc holds an MBA from Harvard and a Masters in Teaching from Yale. More of his writings can be found at . More of Marc s writings on the positive effects of video games can be found at www.marcprensky.com/writing/default.asp. marc@games2train.com

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Alternative Ways of Naming a Baby

 by: Tony Luck

Traditionally, babies have been named at a christening/baptism. Most still are, but increasingly parents are choosing an alternative, non-religious ceremony.

There are three types of service available at a Church.

The traditional Infant Baptism (which most people call a ‘christening’), here the parents declare the child to be a follower of Jesus Christ;

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A service of Dedication, when the parents make promises about the upbringing of their child - these services are common in Baptist churches; and

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A Thanksgiving for the Gift of a Child, a service of Blessing which is based on what Jesus did when children were brought to Him. This service is increasingly popular in the Anglican Church as parents are less inclined to make promises on the child’s behalf that he or she may not wish to keep later in life.

Many parents don’t go to church themselves and don’t want to have their child named in a church service. There are alternatives.

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You can hold a family gathering at your own home or a hired venue near home at which the baby is named. You can do this yourself, have a senior member of the family perform the naming, or bring someone in to hold a formal ceremony.

The Baby Naming Society will help you to put on a religious or non-religious ceremony. For a small fee they will provide:

A personalized script from a choice of ceremonies;

A short program which can be copied for your guests;

A certificate for you to keep as a memento of the service;

Copies of readings chosen from the Society’s selection.

Another source worth looking at is the British Humanist Association where you will be able to get similar advice. The BHA is a non-religious organization. A helpful book, New Arrivals, is available. Contact them at humanism.org.uk.

About The Author Tony Luck runs a website about having babies http://www.baby-talk.co.uk and a gift shop with unique gifts for a christening or to welcome a new baby. Visit it at http://www.gifts-4-baby.co.uk.

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This is one of the most common questions asked to DUI lawyers. When you ask lawyers this question, you do not always get straight answers because every circumstance is different. According to DUI.com the most common penalties are as followed.

$1200 fine

3 years probation

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3-5 days sheriff work alternative program

4 months suspended license

First offender school

When a driver in the state of California is arrested for driving under the influence of alcohol their driver s license is immediately confiscated by the police and then served with the DMV s Notice of Suspension . This will formally suspend their license, provide temporary driving privileges for 30 days and will also explain some aspects of the applicable law. In addition, it states that there is a right to contest the suspension and force the DMV to return the license as long as the DMV s Local Driver Safety is contacted by the attorney within 10 calendar days of the arrest.

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A driver s license is immediately suspended if their blood alcohol level is above .08% (or above .01% for drivers under 21 years of age) or if they refuse to take a chemical test. If the driver is from another state other than California, then the officer has no right to seize their license. However, the officer will issue a Notice of Suspension which suspends the driver s license in the state of California (after 30 days) from driving. If there is a conviction in court, the state of California will contact the home state of the convicted party, and that state will usually suspend their license the same way they do it there.

Ramification of Getting a California DUI

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First off getting a DUI will cost you money.

First offence: $390 - $1000 plus local fees, penalties and assessments for total of $1300 - $3500. This doesn t include any lawyers fees which can be from $500.00 to $15,000 depending on if you re in a small town or large metro area. Generally speaking the more experienced the lawyer (and you want an experienced lawyer) the more it will cost.

There are social ramifications of getting a DUI as well. A charge of DUI/DWI can have serious ramifications on a defendant’s driver’s license, criminal record and ability to work and function in society. Some employers may decline in hiring someone because of a felony level DUI.

Ask yourself before getting behind the wheel after drinking if it s really worth it. Based on the above a cab ride home is downright cheap. Be safe not sorry.

About the Author

This article can be freely reprinted as long as this resource box and all links stay intact.

Kerry L. Steigerwalt is one of the most successful and prestigious criminal defense lawyers in San Diego. If you have been convicted of a DUI please visit us at http://www.sddefenselawyers.com

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If you are one of the many retirees without having prepared a financial plan, it is not too late to do so. Many of our retired clients with significant retirement assets and other investments are not certain of how long they will be able to live their desired lifestyle. For some it is a matter of procrastination or fear; others have been working so hard to give their children a college education or help elderly parents that they have not taken time to plan for themselves.

It is NEVER too late to plan the rest of your life.

If you are willing to take the time to gather your records and think about your dreams and wishes for your future, the financial planning process can give you the peace of mind to take advantage of the assets you have worked so hard to accumulate.

What is the financial planning process? It is a systematic approach of identifying goals, gathering data, obtaining recommendations, then implementing strategies to accomplish these goals. The result is a comprehensive written plan consisting of:

1. Cash flow management
2. Retirement planning
3. Risk management
4. Investment planning
5. estate and, elder law planning.

While the financial planning process may be the same regardless of one s age, retired individuals have unique needs and considerations. Their income will no longer be dependent on their labors, but will generally come from a combination of personal investments, retirement plans and government benefits. Retirees are faced with the prospect of managing their investments wisely to produce an adequate current income, while protecting purchasing power from inflation. Most traditional pension plans do not have cost of living adjustments.

While social security is indexed for inflation, this benefit provides only a base of retirement income for most individuals. For the affluent, social security may account for only 20% or less of desired income. Many early retirees will have 30 or 40 years during which they will have to rely on their investments to maintain their desired lifestyle. At the same time, they need to be prepared for lifestyle changes in the event of health problems.

Disability or incapacitation are often feared as threats to one s independence and quality of life. Finally, many are faced with the desire to transfer their wealth to succeeding generations to minimizing the impact of income and estate taxes.

A good financial plan should include an Action List for implementing the plan s recommendations. It should include such items as:

A. Establishing an emergency fund
B. Tracking expenses
C. Long Term Care Insurance

If you have stock options, it should include a strategy for exercising them.

It may also include family and charitable gifting strategies to reduce the size of the taxable estate. Also, the plan should include targeted rates of return for your qualified (retirement) and non-retirement investments and specific investment recommendations tailored to your unique situation.

Even the best plan is worthless if allowed to sit on a shelf unimplemented. Finally, to be of continued usefulness, the plan needs to be monitored on a regular and periodic basis to keep up with the changes in your life.

See the following Capital Punishment by Confiscation ; this illustration demonstrates the consequences of no Estate and Elder Law Planning.

CAPITAL PUNISHMENT BY CONFISCATION

YOU START WITH THIS MUCH IN YOUR TAX-DEFERRED PLAN

$842,288.00

(A) SUBJECT TO 50% FEDERAL ESTATE TAX.

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The tax due is: $421,144.00
Balance available: $421,144.00

(B) SUBJECT TO THE GENERATION SKIPPING
TRANSFER TAX.

The tax due is: $ 0
Balance available: $421,144.00

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(C) SUBJECT TO FEDERAL INCOME TAX

Assume 38.6% Rate.

The tax due is: $162,561.58
Balance available: $258,582.42

YOU START WITH A PENSION OF: $842,288.00

YOUR TAXES PAID EQUAL: $583,705.58

YOUR BENEFICIARIES RECEIVED: $258,582.42

ACTUAL TAX LOSS: $583,705.58

OR

69%

Very well. The later lines will be like a feather to the cap. Your further interest in this ballyhoo would be an added vantage for you.

——————————————————————————–

Courtesy of: Steven W. Tarta, Attorney at Law. 45 N. Broad Street Ridgewood, NJ 07450 PHONE 201-444-8448 E-MAIL: TARTALAW@ATT.NET Fax 201-612-0827Please be sure to check out www.tartalaw.com for estate planning learning center information.

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SPIRITUALITY: Enlightening Cinema

 by: Jed McKenna

“Let me tell you why you’re here. You’re here because you know something. What you know, you can’t explain. But you feel it. You felt it your entire life. That there’s something wrong with the world. You don’t know what it is, but it’s there. Like a splinter in your mind driving you mad.” -Morpheus, The Matrix

This isn’t a movie review list and it’s not comprehensive. It’s just some notes about a few movies I think are useful for the purposes of awakening and why, or that aren’t and why not. With tools of understanding, bad is often better than good.

Major themes represented on this list seem to be these:

• Heresy
• Captive/Captor
• Teacher/Student
• Nature of self/man.
• Death/rebirth. Cataclysm/epiphany.
• Untrustworthiness of mind/memories.

The only thing I might advise with regard to movies and books is to raise the material up to the level where it becomes of value to you. Orwell might have been writing an anti-communist manifesto, but Nineteen Eighty-Four is much more interesting viewed as the struggle between man and his confinement. Apocalypse Now is about something more than Viet Nam, How to Get Ahead In Advertising is about something more than rampant commercialism, etc.

::: American Beauty

“I feel like I’ve been in a coma for the past twenty years. And I’m just now waking up.”

I’ve included American Beauty mainly for what’s wrong with it. Lester’s major death/rebirth transition shows promise, but what does he transition to? Backward to teenage crap, not forward in any sense. A fear-based regression. Stupid car, stupid drugs, stupid vanity, stupid skirt chasing. Not at all redeemed when Lester sees his own folly near the end or by sappy/smarmy dead guy voice-over.

The movie is slightly redeemed by the presence of the quasi-mystical neighbor kid and his video footage of a windblown bag:

“That’s the day I realized that there was this entire life behind things, and this incredibly benevolent force that wanted me to know there was no reason to be afraid, ever.”

::: Apocalypse Now

“In a war there are many moments for compassion and tender action. There are many moments for ruthless action what is often called ruthless what may in many circumstances be only clarity, seeing clearly what there is to be done and doing it, directly, quickly, awake, looking at it.”

You’d think that Apocalypse Now Redux, the director’s cut, would be the version to watch, but all the stuff that was rightly cut from the original has been wrongly replaced. (Raising the interesting point that directors and authors often don’t understand the higher applications of the stories they’re telling.) Stick with the original over both Redux and Conrad’s Heart of Darkness.

Apocalypse Now is all about the Horror. A journey of discovery, into the heart of darkness, arriving at this horror. What’s the horror? How do you get there? Why would anyone make such a journey? Should you make such a journey? Why or why not?

Note the powerful epiphanies that drive the film. The first assassin’s letter home, (”Sell the house, sell the car, sell the kids…”), Dennis Hopper’s youthful exuberance, Kurtz’s diamond bullet, Willard’s “…I wasn’t even in their army any more.”

::: Being There

“Spring, summer, autumn, winter… then spring again.”

A lovely film ruined by a foolish walking-on-water stunt tacked on to the end. Without that nonsense the viewer would be free to think, to decide, to wonder. Instead, the movie zips itself up tight with its clever little dumb-it-down twist. Hit the stop button when Chauncey is straightening the sapling, before the ruinous denouement, and it’s a fun, lovely film.

::: Blade Runner

“I’ve seen things you people wouldn’t believe. Attack ships on fire off the shoulder of Orion. I’ve watched c-beams glitter in the dark near the Tannhauser Gate. All those moments will be lost in time like tears in rain. Time to die.”

Were you born five minutes ago? Of course not, and you have the memories to prove it. You’d know if they were artificial implants, because, uh…

::: Cast Away

“I couldn’t even kill myself the way I wanted to. I had power over nothing.”

If a man screams on a deserted island and there’s no one to hear him, does he make a sound? Is it enough that he hears it himself? What if not? What’s left when you take away everything?

Self stripped bare.

This movie raises many intriguing questions about the substance of self, or lack thereof, and includes a very Zen eulogy.

::: Dead Poets Society

Heresy.

::: Harold and Maude

“Vice, virtue. It’s best not to be too moral… Aim above morality.”

American Zen, master and disciple.

::: Harvey

“For years I was smart… I recommend pleasant.”

Elwood P. Dowd, wisefool. A sweet depiction of a higher order of being misinterpreted as a lower order of being. Would we know the Superior Man when we saw him?

::: How to Get Ahead In Advertising

“Everything I do now makes perfect sense.”

A thwarted bid for freedom. A failed attempt to overthrow Maya. Enjoy the insanity of the epiphany.

::: Joe vs the Volcano

“Nobody knows anything, Joe. We’ll take this leap, and we’ll see. We’ll jump, and we’ll see. That’s life, right?”

Death and Rebirth. Unlike American Beauty, this is all about moving forward, “away from the things of man.”

::: Man Facing Southeast (Hombre Mirando Al Sudeste)

Watch especially for the visual poem of a man crumbling a human brain into a sink while looking for the soul.

::: The Matrix

“Like everyone else, you were born into bondage, born inside a prison that you cannot smell, taste, or touch. A prison for your mind.”

Plato’s Cave for the people. As allegorically lucid as Joe vs Vocano, Pleasantville and Star Wars.

::: Monty Python’s Life of Brian

“No, no! It is a sign that, like Him, we must think not of the things of the body, but of the face and head!”

Sacred Cow-tipping at its best.

“Meaning of Life” also belongs on this list.

::: Nineteen Eighty-Four

“If you want a vision of the future, Winston, imagine a boot stamping on a human face forever.”

This movie is unique in the sense that it’s as good as the book, which is an extremely intimate portrait of the captor/captive, Maya/man relationship. Compare this to Moby-Dick or One Flew Over the Cuckoo’s Nest which are superb books but useless movies.

::: One Flew Over the Cuckoo’s Nest

As with Moby-Dick, Hollywood castrated the book. They stripped it of its archetypal dimensions and reduced it to a meaningless pissing match between McMurphy and Nurse Ratched. Great entertainment, but for meaningful insight, read the book.

::: Pleasantville

Okey-doke. The next lines can be an embellishment. Your additional curiosity in this article would be an added leverage for you.

“There are some places where the road doesn’t go in a circle. There are some places where it keeps on going.”

A cheerful tale of heresy in which no one is burned at the stake and the new paradigm is, eventually, embraced by all.

::: The Razor’s Edge

“The dead look so terribly dead.”

The razor’s edge is what makes it interesting; seeing Larry shakily balanced on the fine line between what he was and what he’s becoming. He is walking the edge between two lives. The Bill Murray version is a bit unfocused… stick with Tyrone Power or read the book.

Maugham supposedly used Ramana Maharshi as the model for the novel’s holy man.

::: Star Wars

“The force will be with you, always.”

The first one, where Luke makes the transition from flesh to spirit.

The Hero’s Journey.

::: The Thin Red Line

“Maybe all men got one big soul everybody’s a part of, all faces are the same man.”

A sublime inquiry into the spiritual nature of man. More a sad/sweet song than a narrative film.

::: The Thirteenth Floor

“So what’re you saying? You’re saying that there’s another world on top of this one?”

Layer after layer. Turtles on top of turtles.

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::: Vanilla Sky/Abre Los Ojos

“Open your eyes.”

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If you like Vanilla Sky, check out the original, the Spanish film Abre Los Ojos (Open Your Eyes). These two films may be the best of the bunch for our purposes; the closest to an enlightenment allegory.

Of course, the interesting thing about enlightenment is getting there, not being there, and that’s what these films are about; awakening from a false reality, opening your eyes. They’re not so much about what’s real as what’s not.

It’s the story of the journey one takes to get to the place where anything, even jumping off a tall building, would be better than continuing to live a lie, even a beautiful, blissful lie.

Note the presence of the true guru, explaining in clear terms why leaping off the building is the best thing to do, and waiting patiently for it to be done.

::: Waking Life

“They say that dreams are only real as long as they last. Couldn’t you say the same thing about life?”

Wide-ranging philosophical inquiry. Provocative. Amusing. Potentially disruptive.

::: Wings of Desire

“When the child was a child, it was the time of these questions: Why am I me, and why not you? Why am I here, and why not there? When did time begin and where does space end?”

A lovely, intelligent, thought-provoking film. Can the awakened being return to the dreamstate? Would he want to?

::: Others

Some other films that reward thoughtful viewing are The Wizard of Oz, About Schmidt, What Dreams May Come, Total Recall, All the Mornings Of the World (Tous les Matins du Monde), and, of course, many more.

-Jed McKenna

About The Author “Jed McKenna is an American original.” -Lama Surya Das Jed McKenna is the author of “Spiritual Enlightenment: The Damnedest Thing” and “Spiritually Incorrect Enlightenment”, published by Wisefool Press. Coming in 2005: “Spirituality X” and “Jed McKenna’s Notebook”. Visit WisefoolPress.com to learn more.

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Wish You Could Finance Your Studies?

 by: Gerald Hochschule

Financing College

Many people have avoided college because they though they couldn’t afford tuition. While college is expensive there is no reason a student should let money put a stop to their education. There are many sources that help fund a person’s college.

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Federal financial aid, scholarships and tax credits and deductions are just a few sources that are there to help you. It would be beneficial for you if you gather first hand information about financial aid, the process of applying for a loan, opportunities that are there to win scholarships and tax credits and deductions. Several government agencies work in coordination with college management to provide financial aid to students willing to pursue higher education.

There are several programs you may qualify for:

When in search of financial aid try grants first. Grants can cover the entire cost of attendance and do not have to be repaid. They are available through state and federal governments and are available based on a student’s income or that of their parents.

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Also try to qualify for work study. The program allows the student to work on campus for minimum wage. The money can be used for tuition or living expenses. Work study can sometimes be based on the student’s field of study or personal interest. This however is not guaranteed. The program judges eligibility by the amount of income the student receives.

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Loans: There are a variety of loans that you can get to fund your college studies. You also don’t need to show your financial needs to get these loans, but it would not be a good idea to do so. That would invite interests at all times. When you get a loan because of your financial need, you are not charged interests during the period of your study. To qualify for a loan you would have to submit an application form which can also be done online. It is advisable to apply for loans as early as possible.

Scholarships: Scholarships are not needed to be paid back like grants. Before applying for scholarships you would to be required to take admission. You may be automatically considered for scholarships based on your past academic achievements, achievements in the field of sports or other activities.

Discounts on a student’s taxes are also available to students. These taxes include having any interest the student is paying while in college deducted from their taxes. A student must qualify for the deductions. To find out if one qualifies they should talk to a tax expert.

Finances shouldn’t stop anyone from attending college. With the forms of financial aid available everyone can afford college. Deciding not to attend college is one thing, but not going because of money is stupid. There is money available and our tax dollars contribute to these funds. Therefore we should use them.

If you are thinking of joining a college and the only thing that is stopping you is finance then rethink about it. You can make use of the various provisions to help fund your studies.

About The Author Gerald Hochschule is the premier authority on College and he has written many articles on the subject. If you want to read his articles please visit: http://www.collegeo.com

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