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LadybugFlights
May 2010 Vol.5 #12

Featured Article

Protecting Our Children
from Molestation and Other Forms of Undue Influence

from Molly Koch

The terrible and unspeakably sad fact about child molestation is that in 90% of the cases, the victims knew the perpetrators, either as casual acquaintances, (shop keepers, maintenance personnel, delivery people - people they see frequently,) or they are people they trusted without question - fathers/step-fathers, siblings, uncles, cousins, teachers, clergy, parents of friends, neighbors. So when we warn our children only about stranger-danger, we are leaving them without a defense against the people they know. But how can we protect our children from possible harm by the people they love and trust?

We are born with a natural radar system to protect us from possible harm. Though our intuition is built-in, it requires training to strengthen it - and the absence of discouragement that would destroy it. Preventive education of any kind must begin with developing the children's intuition. And the way they learn to trust it and rely on it begins with the way the adults in their lives (parents, older siblings, grandparents, teachers, etc.) handle their feelings - all of their feelings all of the time.

We parents, bless us all, want to make things right for our children, but sometimes it may not turn out to be right at all. For example, when six-year-old Amy was feeling sad, her mother, Sarah wanted to make her feel better, so she jumped right in with a quick fix and told her, "You shouldn't feel that way!" And not stopping there, she goes on to convince Amy that she has no reason to be sad with all the nice things she has in her life, and concludes by saying, "You should be happy." Believing her Mom to be right, Amy decides there must be something wrong with her feeling. As a consequence, instead of feeling better, Amy is left doubting herself. No matter how well-intentioned we may be, arguing with children's feelings chips away at their ability to trust their own feelings and trusting their own feelings is after all, the entire basis of their intuition.

While the quick fix alleviates the pain parents feel when their children are troubled, it robs the children of their ability to recognize the intuitive signal, to tune into it, and to rely on it to protect them. As soon as Mom can make her child feel better, the sooner Mom will feel better. But children's intuition depends on your acceptance of their feelings which allows them to take ownership of them.

Here are the keys to building and strengthening your child's intuition: When your child is expressing a feeling, respect it for what it is; value it without judgment; accept it as authentic; make no attempt to change it, or trivialize it, or ignore it. At a later time, when the intensity of the feeling has subsided and you want to find out what their feeling meant to them, just listen. Don't offer a quick fix to your sad or unhappy or angry child; be a patient and compassionate listener instead.

Now let's see how conflicting issues sabotage our effort to protect our children from strangers and as a result we wind up giving them unintended mixed messages. On the one hand, Kate James wants to forewarn her three-year-old son Bobby about stranger-danger, but she also wants him to see the world as a friendly place and to have good manners. Though she has forewarned him countless times not to talk to strangers, when they are on an elevator or standing on line at a check-out counter and a friendly person says "hello" to him, what does Kate do? She prods him to "say hello" to the nice man. "But, Mommy," you told me not to talk to strangers," Bobby reminds her. Embarrassed and uncomfortable, Kate turns purple and she can't make their getaway fast enough. And befuddled Bobby hasn't a clue as to what he's supposed to do the next time.

In contrast, Kate's friend, Martha feels that the more people her four-year-old daughter Emily interacts with, the more experience she will have to tune in to her intuition. Engaging in little conversations that usually start with "what is your name" and "how old are you," Emily will get different feelings about people. To help her clarify her reactions, as soon as they are alone, Martha asks her, "what kind of feeling did you get when that man talked to you?" "He was nice," she might say, or "I didn't like that man." Or "I felt funny." Here is Martha's golden opportunity to help Emily understand her feelings! "Where did you feel funny, Emily?" She might point to her tummy and say "Right here." Bingo! Emily's tummy got an intuitive signal that she needs to learn to identify as a sign of potential trouble. Such signals can often be felt in different parts of the body, the chest, the throat, a tingling in the face, but most often it is felt in the stomach which is why it's known as the "gut reaction." If Emily means she felt uncomfortable, Martha can fine-tune her daughter's intuition by believing her, validating her, and letting her know that this is a very important feeling that she must learn to trust. Moreover, she needs to hear what to do when it happens - to get away and to always report it to her mother. But even if Emily said she got no feeling at all, Martha has alerted her to become aware of her feelings in the future.

Like muscles, it takes exercise to build and strengthen intuition, so the more exposure children have to all kinds of people, the more reactions they will have to work with. Of course, this applies to speaking to strangers only in your presence! And you need to be sure to follow-up each exchange with a discussion about the child's feelings. With this kind of training, they will learn to rely on their intuition to tell them who they can trust, to sense if they are in the presence of possible danger whether it is a stranger or Uncle Oscar, or later, an abusive teenage boyfriend, or a dope peddler, or a cult recruiter, or a scam artist, or a controlling spouse. They need to rely on their "inner knowing" to alert them about people who intend to harm them. It's a gift of a lifetime.

Allow me to digress for a moment. I was involved for more than thirty years in counseling families whose sons and daughters became involved in destructive cults. During interviews with former members I always asked them what kind of feelings they had at the time they were recruited. Most of them admitted they had uneasy feelings but dismissed them because the recruiters seemed "so nice." Or they did not want to be impolite by walking away. Or they didn't have the courage to say "no." At the time of their recruitment the large majority were college students who were particularly vulnerable due to stress. Needing comfort or respite from their troubles, they overlooked their intuitive signals or they assumed there was something wrong with them, instead of the "nice" recruiter. After listening to a seductive, high-pressured "sales pitch," and being unable or unwilling to discern the signals, they impulsively gave up their college education, their career goals, their involvement with family and friends to go off with total strangers! If they were accustomed to be obedient, or lacked critical thinking skills, they ignored their feelings and simply did not question the recruiter's sincerity. Or their intuition was so weak they were not sure what the signals meant.

So many important choices in our children's lives can be determined by a strong intuition, from choosing the right partner to picking the right school or deciding a career. So many lives can be saved when children learn to sense danger and know how to avoid it.

Molly Koch is a wife, mother and activist. She is the author of 27 Secrets to Raising Amazing Children. You can find out more at her two websites, mollybkoch.com and keeptheconnection.org.

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Special Feature

Poems from a New Poet
from PATRICIA ROSE GILLES

 

	
	
    APPLE-PIE-DANCING
    Saturday morning is My time to make apple pies with Emily. At two, she watches for awhile But mostly she plays around me. Whatever I set on the counter She loves to taste. Sometimes, She is delighted with her sampling. Oftentimes, She wrinkles her nose and frowns. I let her examine Everything she points at. Today, it was apples. My counter is piled high with bins of flour and sugar, Juicy red and green apples, spices and Butter softening in a dish. I stand elbow deep in apple peels near the sink. I am divesting the fruit Of their skins. I hear Sinead O'Conner on the boom box. The song she was singing was, "Nothing Compares To You". I sang along to the sweet rock. Emily came to me and up went her tiny arms. "Dance with me mommy"! I smiled down at her Put down my peeler and scooped her up in my arms. We began to move. Emily giggled as I swirled her and twirled her around the kitchen. Then I heard her soft little voice, "Nothing compares to you." Past tins of cinnamon and nutmeg we glided. To the rhythm of the beat, we danced. Floating around pie plates and bowls. Measuring spoons and paring knives… We moved until the song was over. I was breathless. I set her down. We both grinned. "Apple-Pie-Dancing"! It wasn't just the pie we were baking… It was the memories we were making.
Poetry
	
	
    SPINNING THROUGH THE STARS
    There are whole galaxies for me to explore And heavens I cannot count. Brilliant vistas of Whole worlds I have never seen and colors That defy the imagination. There are countless stars to spin through and moons so iridescent that they almost blind the eye. There are soaring meteors That travel fast without ever stopping or repeating their trail. The suns are so bright that They melt all color into one brilliance that shines around their place in the universe. The constellations are named after mythological characters Animals and, inanimate objects and. All for my eye to see, all for my mind to behold. All I need to do is to look up using a Telescope and the universe Will open like a book for me.
Poetry
	
	
    THREE EVERGREENS
    Two evergreen Goddesses Guarding their slender princess, Covered by a white birch, a knight Whose opaque arms reach upward. Protect the slender youthful Evergreen Princess, centered Between the bulwark matriarchs. Beauty, strength, fullness, Up thrust breasts, nipples rippling The surface of the Vast blue winter sky. Strong, full, green, flanking the Tended dancer. Twin Mothers Guiding the choreography, Shared Motherhood Bolstering the slender graceful Evergreen. Not yet a teen.
Poetry
	
	
    WIND CHIMES
    Dancing on an edge of earth, They sing from their hollow throats Melodies created from movement. They cannot sing alone. They need one another to make the song. Dangling on thick nylon thread, They bump but do not bruise. It is a necessary collision. Each song unwritten, each sound unrivaled, They celebrate the wind.
	
	
    ADORATION
    I didn't think that it was true, that there was Something greater than love. But I was soon to find that what I felt For my babies was beyond love. There was a night when my husband and I loved so much That we were carried beyond love to a place Of brilliance and passion and desire. There was a day when my dad hugged me and the warmth Permeated me and made my heart spin. There was a day when my teenage son wearing Dread locks and dressed in a disheveled way, was embraced by me. He could do anything he wanted and I would still love him. Yet, This went beyond accepting him as he was. There was a day that I tasted the most scrumptious piece of chocolate torte That I went beyond love. There was the time my daughter got her menses And we celebrated beyond love. There was a time when she was ready for her first Sexual experience. And I was thrilled for her beyond words. There was the time that I touched God And I crescendoed into a pool of adulation. There is a place beyond love and it is called Adoration!
Poetry
	
	
    SOFT LOVE-MAKING
    Slow tentative kisses caressing the mouth. Timid expressions of a blushing ballet, Lower lip brushing softly against Lower lip. Moist. Pliant. Supple strokes. Tongue flitting in prayer language tasting in Tractable, languid repetitions. Nipples responsive To fingertips harden and wrinkle. Delicate contractions in the clitoris. A sensual Passage to pleasure. Gentle licking oral sex. Feathery flicks to excite obsession. Ebony Shadows lingering on an obsidian night. Breast to chest, mischievous. Oneness. A nexus of soft skin Light-hearted. Warm like butter in a dish. Soft as pudding. Riding with deep thrusts. Playful as clay molded into the blueprint meant To follow fluently the percussive movement Of this tender yet discrete dirty dancing.

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Virtual World

OpenOffice.org

As I mentioned a few months ago, one of my computer projects right now is to ignore the operating system on my new computer, Windows Vista, as much as possible and do most of my work online. Stay in the cloud, so to speak.

To keep things simple I didn't want to install Microsoft Office, or even Word. That creates a problem for emails from people who attach Word documents, which I want to read. So far I have been opening those emails on the other computer, which has Word installed. However, that grew old after a while, so I searched for another solution. I found it in the form of OpenOffice.org.

The price is right... it is freeware with no strings attached, although they do accept donations. It is also open source and an incredible diversity of participants have contributed to its development.

So far I have been able to do everything that I wanted to do in my word processor in Open Office Writer. I can also export any document to a PDF file, something I can't do in Word.

Setting the computer up to automatically open all .doc and .docx files was easy. First, I went to OpenOffice.org and downloaded and installed the version 3.2, the latest version. Then I went to the start menu, clicked on "default programs" , clicked on "associate a file type or protocol with a program" and scrolled down to the .doc and .docx extensions and clicked on Open Office for both. Next time I clicked on an attached .doc file, it opened in Open Office Writer like a champ. Mission accomplished.

But wait, there's more! Open Office consists of a fully functional office suite, with word processing, spreadsheet, graphics, database and presentation programs. And it is available for all operating systems, from Windows to Mac to Linux. An incredible value for the price!

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Baby Bug

The Way of the Muses

Reprinted from June, 2006. We thought this topic might remind her of all of the joys she deserves on Mother's Day.

 

On days when the blank page is all I can see, I wish for some ancient muse to visit and offer inspiration. It would take far too long to find the name of the muses in a history search or even read a book to find how to call upon them. My sleep-deprived brain probably wouldn’t comprehend the information and the last time I read a full book, it had less than twenty pages, big print, and required funny voices.

I work with what I have. I don’t know that any of the famous authors in the past visited the Oracle of the Infant or the Inspirational Pool of the Toddler. I am lucky that I have two muses to call upon. I often have to call upon the Midnight Muse for my best thoughts--I’m up at that hour anyway.

When I find myself unable to think of a word to write, I make the very short journey to either of my muses. The journey can be fraught with danger: Lego ruins under my feet, a climb up Laundry Mountain before I can begin, the Teething Monster species screaming away, and the occasional Temper Tantrum tornado approaching from the west.

Joel acts as the most vocal muse with Emily adding her voice mainly in the past few weeks. The saying “from the mouths of babes” has become so true in my world. From Joel’s observations to Emily’s first explorations of language, I get character ideas, story plots, and dialogue prompts.

The simplest things can become inspiration. Even if the muses don’t speak, I can find ideas. Emily’s changing eye color brings up super-hero ideas or maybe a sky description. Even though Brian and I are not sports fans or Nascar fanatics, Joel is all boy with an overwhelming love of everything sports and Hot Wheel mania. The character traits abound. He also names things in his world with deadpan humor and the creativity of a four-year-old that most times far eclipses anything I could dream up.

His dreams become more fodder for my writing. I often spend the first fifteen minutes of our day listening to the dreams of this pint-size oracle. His waking hours are so filled with discovery, I wouldn’t expect the night to echo but even his sleeping hours provide more ideas. I’m not sure who or what his muse is but it is a powerful one. His artwork is already on his own terms—he draws “star ships” instead of tractors. When asked to create a mosaic with plaster and small bits of found objects, he created an upward statuesque version. Even my own mosaic was flat and expected. His muse also influences his style choices—he chooses his own clothes and lets me know what matches and what doesn’t.

Emily doesn’t sleep as much as her brother (or at all!) but her waking hours learning about the world also help me think about things from a different perspective. I think the two of them are my best idea generators because of that forced perspective. I see things from different viewpoints. I stop to look at things more closely. I listen to conversations differently. I have opened my mind to mosaics that stack up on end and mismatched outfits.

So, the next time a blank white page stares me in the face, I will turn to Joel and Emily. A simple look at their faces is often all I need to find the right words. Even if there is no instant inspiration, the kisses, hugs, and smiles are reward enough. The ancients never had it so good.

Baby Bug

 

Baby Bug

 

Baby Bug

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Now available this syndicated column by Dr. Caron Goode, author of Kids Who See Ghosts due out June 1st. Caron is the author of over 15 books including Raising Intuitive Children.

The Hushed Topic

Seeing ghosts can be an opportunity for both children and parents to move through fear, explore different realities, and learn about the world of spirits. However, in this month's column, we open the door to a topic that has been swept under a proverbial rug and not discussed openly.

The Hushed Topic

In some households, kids are told, "Hush. Don't talk about that. Don't tell any one. You're crazy. You're lying." In other families, parents are fascinated with the subject. Yet very few professionals who work with children want to talk about ghosts and people who see them. However, concerned and caring parents do want to talk about it because their kids see spirits, ghosts, fairies, and light orbs.

Thirteen-year-olds who see shadows at night and at school during the day need someone to talk with and listen to them. Teens who have seen ghosts all of their lives have to sort through their realities and determine whether or not to speak openly. Parents of younger children, who won't sleep in their rooms because a resident ghost visits them, ask me how they can help their children.

How they help depends on the parent's viewpoints. Are the parents as scared of the spirits as their children are? Or are they thrilled with their child's ability and want to know how to encourage the talent? Or do they feel at a loss with a crying toddler?

Why Aren't We Talking About It?

Not talking about the topic only adds an element of mystery and increases fear about the subject. One reason for not talking about ghosts is the lack of understanding of how people see. What a person sees takes place within the brain's chemistry by virtue of how our eyes work. Our eyes see light only, and our brains then interpret the images based upon our memory banks. This is an ongoing process in which memories are updated as our brains adapt to our environments, learn new skills and have new life experiences. So are all ghosts figments of one's own brain chemistry? Or are they real? It depends upon our cultures and how we adapt our worldviews.

A second reason we don't talk about ghosts is based upon cultural norms. One Native American child who speaks with his grandmother in her spirit body is very different from a child raised to believe that dead bodies go into the ground and that the person-to-person connection is over. Did your culture and upbringing provide a place for spirits and afterlife, or was death "spooky" and not talked about?

A third reason to remain silent is simply the fear of being accused of being crazy. Those who have experiences outside of the norm may find little support in mainstream teachings to validate their reality.

Yet, Watch The Trend Grow!

Ghosts and other such unknowns live within a metaphorical Pandora's box. This column opens that box to clear the air and breathe some new life into the topic. More kids are seeing ghosts, and I expect the trend to grow. Why?

Ghosts are a hot topic, as evidenced by the average ten million viewers of the television show "Ghost Whisperer." Current media interest on this topic of ghosts will continue and expand because the public is fascinated by what we once called the "paranormal." I am thinking the term "normal" is now more appropriate because more television shows on paranormal topics are airing and books on topics like vampires and fairies of this fantasy genre grow in popularity.

Also, according to a 2007 pre-Halloween poll conducted by the Associated Press, 34% of people polled said they believed in ghosts, and those who believed included people of all religions and socioeconomic levels. That percentage is going up. The Harris Poll conducted a survey during the week of November 2, 2009 to find that 42% percent of Americans believe in ghosts.

This Topic Is Happening Now!

Because I see this increased interest in of the topic of children seeing ghosts. I feel all of us who work with children need up-to-date answers. To provide these answers I address a variety of questions that I receive every month on my blogs (www.kidswhoseeghosts.com and http://intuitiveparenting.wordpress.com. The foremost question from parents is "Is my child crazy?" The second and third most common questions are, "How can I help my child?" and "How can I help myself?" The fourth popular question is "Does this talent or trait run in families?"

In the book, Kids Who See Ghosts, I asked famous psychics and mediums if they felt their talent was inherited. Unequivocally, they answered in the affirmative. Listening, I was fascinated by how each person I interviewed spoke about their upbringing and how their families dealt with ghostly situations. For example, Sonia Choquette mentions how her family had a place setting for the resident ghost each evening at supper. John Holland explained that as a young boy, he wasn't afraid of ghosts as much as his stuffed animals after his parents told him that the animals came alive at night. Such a story sent him hiding under the covers.

Ghosts can be children's best friends, and facing a fear of ghosts is a way for parents and kids to become empowered. Life is to be enjoyed and for finding passionate purpose. If ghosts are part of that experience, then together let's explore why and how.


Dr. Goode is a licensed counselor, author, speaker, and coach. She is the founder of the Academy for Coaching Parents International. (www.acpi.biz). She recently authored Nurture Your Child's Gift (2008), the award-winning parenting book, Raising Intuitive Children (New Page, 2009) and her newest book, Kids Who See Ghosts, guide them through their fears (2010) All books are available from www.amazon.com. Contact Dr. Goode by email: caron30@gmail.com for speaking engagements and seminars.

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Seven Steps to Conquer Emotional Eating

There are a few basic tips to conquer emotional eating. However, most people think in terms of the rigors of dieting, doing without, suffering, and pain. There certainly is no pleasure in that kind of thinking. It's important to realize that if you're only twenty or thirty pounds overweight, most likely you will be able to consume the same quantity of food as you now consume on a daily basis when you are at your goal weight and stay there. How you most likely got where you are is from overeating during holidays which from now on will be accompanied by a red flag in your thinking. Consider that you've gained two-to-five pounds every Christmas holiday and it doesn't take too many years too accumulate fifteen or twenty pounds. Add in a few other holidays during the year such as Thanksgiving, special occasions such as birthdays, weddings… and fifteen pounds can be acquired in a single year.

However, if you're a hundred pounds or more overweight, a lot of what you eat is to sustain that level of weight and when you drop your weight your eating habits will be greatly changed.

Most people who are overweight have added weight during holidays when there are many different emotions than they are normally accustomed to dealing with. Most people in general do not drop weight during holidays, they drop the weight between holidays and even if they are on a weight dropping regime, during the holiday they often give themselves more latitude in their eating regime.

In fact, one could say that most great diets are ruined at holiday time and the overweight person goes back to thinking and feeling overweight.


    1. The first step to getting a handle on emotional eating is your thinking. Get away from thinking in terms of dieting, giving up, doing without, losing weight, and what you can't have. Instead think in terms of freeing yourself and shedding weight.
    2. Secondly observe how you are feeling as you are having that desert or extra pancake. Notice what emotions you associate with food. At this step we do not expect to do anything about the eating behavior-simply observe. Instead of making your eating about food, notice what feelings you have and make a list of those that you associate with food. Do this for several weeks.
    3. Look at each emotion you've associated with food and see what you like or dislike about it. Make a list of things you like about the feeling and a list of what you do not like.
    4. Notice that when you actually allow yourself to feel an emotion it actually disappears. You have a choice of diluting the emotion whether it be happiness, sadness, boredom, anger… or taking the emotions straight.
    5. Make a list of any beliefs that say you shouldn't feel those emotions you've associated with food. Break them down in your thinking and ask if indeed their true. Most likely you will find them hand-me-downs from your family and friends.
    6. When you are tempted to have that desert, extra pancake, snack… ask yourself what emotion you are feeling?
    7. Affirm to take the emotion straight and stop diluting it with food.

An effective approach to conquer emotional eating involves asking important questions "What is missing here? Why are you not getting the results you've been promised?" It is clearly insane to keep dieting when the results are so poor. It's more important to gain a grasp on how to stop emotional eating—eating emotional stress than it is to read the scale. Besides focusing on the scale doesn't empower you to be a better more enlightened person, whereas learning how to overcome emotional eating empowers you in all aspects of your life. If you're a sales person, you'll be a better sales person. If you're an assembly line worker, you'll be a better assembly line worker; a mother, a better mother... Overall, you'll build self worth and find that what you really want to eat is far more nutritious and less in quantity than you ever before imagined possible.

 

Richard Kuhns B.S.Ch.E., NGH certified, a prominent figure in the field of hypnosis with his best selling hypnosis and stress management cds at www.DStressDoc.com. His aim is to make it possible for anyone to manage emotional binge eating. For your free report on Why Diets Fail, please visit www.EmotionalEatingCure.com.

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THIS MONTH:
Poetry Corner  Poetry

A poetic conversation with poets, Robin Hiersche, Darcie Ziel, David Wiley, Dennis O'Donnell.

 

Darcie Ziel

Poetry
	
	
    My First Cry
    Red words on a brown paper bag: Diane's Tortilla Rounds Of course I think of my mom when I eat them, crisp and salt and corn round and yellow like a full moon, they remind me of the moon goddess Diana and of my own mother Diane. She loves the Southwest the crisp air like the crunch of yellow chips dry snow on sandy red desert rocks the sharp sound of a full-round yellow moon on a windy night. The first cry of a newborn babe, the most painful moment, the most precious gift: my mother gave me life. Out of her roundness out to the crisp yellow light of that night, my first cry salty and sharp, like the smell of spruce tips in June or the taste of yellow tortilla chips on my tongue.

Dennis O'Donnell

Poetry
	

window and door
light passes through the window. light may pass through the door if the door is open or if there is a window in the door. otherwise, the door, the closed door, does not admit the light. so what is so special about the door? the wood is beautiful, but beauty alone will not admit the light. not without a window. like the eyes, or like the smile of the Mona Lisa, which DaVinci took 12 years to paint. twelve years to find a window. let us hope that our windows are easier to paint and our doors are not so dark and beautiful.

 

David Wiley

Poetry
	
	
    Homeric Outing
    What chance is there of making dreams with the mind and hand working together? At the end of rehearsals for a larger life they are stuck sometimes with common revelries; egg/sun dropping out in the ocean leaves only the promise of another vaster day. There is our campfire returned to ashes, the air is asleep in the trees. The notes of the song have dissipated unflinchingly among the stars; the surf is now a ribbon of sound. What is left after the feast except the empty cluttered tables and one more memory? The seals and birds have gone to their rocks and we to the warmth of our selves. What need is there now to light the sky, to shout into a deep sea, to offend the slumberous deities one by one wrapping themselves in the solitude of world without myth?

Robin Hiersche

Poetry
	
	
one good woman
'one good woman' is not a quest. nor a visualization, not even a prayer. when your head is in your hands wailing out the delusions, expectations and disappointments of a latter day prophet you are unlikely to recognize her. when you RECOGNIZE her, don't let reality get in your way. we are talking about LOVE here, inconvenient, impossible, unbelievable, requiring great courage: precious beyond price. ACKNOWLEDGE her: immediately! irrevocably! unconditionally! let your cognition be true let your knowing run deep. if you can't or won't do that--- what would any good woman be doing, hanging around with you?

 

 

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Fly Away

Voices That Care are Crying out Loud
from Danielle Joy Linhart

Domestic Violence is something we often don't speak about at coffee or at a party. But, I have to say that I have been saying, "Speak up and Speak out" as if it were part of the dictionary. I can't stress how important it is to not only speak about domestic violence, but try to help others who are being abused to speak up too. The sooner you talk about it the better and it will avoid more pain and problems. As a survivor of Domestic Violence I can say that I wish "Speak up and Speak out" was part of my language then. The best part is I can make it part of everyone else's language…. Woo hoo!

The National Coalition Against Domestic Violence (NCADV) is proud to list the "Voices Against Violence." Members of this media coalition are joining the NCADV and the general public in the campaign against domestic violence.

The committee is in name only and requires no personal commitment other than the celebrity lending their name to the cause. While it is in name only, some of the celebrities have lent their voice and image in public service announcements to further the cause. The "Voices Against Violence" are listed here. Soon, active links will be established between those "Voices" who have provided photos, shot PSA's or given us other special items like David Wilcox's song "Chain of Anger."

The pervasive problem of domestic violence takes everyone to make it stop. Won't you lend your voice to the list? Together with the "Voices Against Violence" we can make a difference. Let your voice be heard.

We encourage you to keep visiting this site to see what new and exciting things our "Voices" are accomplishing in the campaign against domestic violence!

For more information on this exciting project, or to suggest new members, e-mail NCADV Voices Against Violence National Organizer, Rita Smith, at rsmith@ncadv.org or contact NCADV.

Just the other day I happened to be in the courthouse and I was in the Domestic Violence area and the women there were doing something about their abuse. It made me feel so good inside that they were standing up for their rights instead up putting up with the abuse. Domestic Violence consists of many difference things:

  • Physical Violence
  • Emotional Abuse
  • Sexual Abuse
  • Intimidation
  • Economic Abuse
  • Isolation
  • Stalking
  • Coercion ad Threats

There are many details to Domestic Violence, not just one thing and the sooner you "SPEAK UP AND SPEAK OUT" the less the damage will be mentally and physically.

I want to take this time to especially thank the National Coalition of Domestic Violence for constantly making strides to protect the abused. Their website is www.NCADV.org.

If you or someone you know might have of the symptoms above please don't hesitate to speak about it to a loved one or someone you trust. Thank you for allowing me to share my information with you, for my passion is to stop Domestic Violence and to help those that are being abused.

If you would like to post a poem or a short story for my website, please email me, daniellelinhart@aol.com

Danielle Joy Linhart is the author of From Deep Within A portion of the proceeds from her book will be donated to LoveIsRespect.org. Please visit www.daniellejoylinhart.com to get help on Teen Dating Abuse, and, if you would like to send poetry or articles to Danielle.

 

If you know of a woman who will no longer grace our future because of domestic violence, please send us her story, or your own.


Get information on Domestic violence and violence against women at LadybugBooks.com

We invite any of you to contribute on this subject. We feel it is important to continue the discussion of domestic violence.

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Women Exceptional Women are Our History and Our Future:

 

 

 

 

 

 

 

 

 

 

 

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Women
   The Feminine Heart

 

Dear family and close friends:

I have been back from Peru two months now, and have hardly shared my journey with anyone. It is not easy to find the words to describe something so fulfilling, challenging, and provocative. It took me three weeks to recover from the journey, expressed by feelings of withdrawal, fatigue and nightly dreams in full blown technicolor of Peru. I feel a bit different now, more centered, quieter, resolute. The child of the universe who had awakened in me before, is now here to stay. I am uncertain as to how this translates into my world or yours.

Peru was visually enriching and profoundly challenging and rewarding. Each rock or mountain held for me a message and a face. I was touched on all levels of my being, mentally, emotionally, physically and spiritually.

Women
Host House on Amantani

Women
Copamayo, "reminds me of a Bruegel pinting"

Women
Amantani, sheep and the outhouse

You may also listen to my webcast shows, the one before the journey of Feb. 6, 2010 and the two more recent ones with Jo Mooy and Lisa Niederman. My webcast is called the Butterfly Effect.

My recollections and interpretations may be too "woo-woo" for some you to accept but I am compelled to share them with you, my family and friends anyway. This is my journey, my interpretation and marks important and memorable events in my life. The passion of it has now become my muse.

My reason for going on this auspicious trip to Peru was to attend and participate in the Solar Disk reactivation atop the Island of Amantani in the middle of Lake Titicaca on Feb. 14, 2010. Incan legend speaks of the time during the 10th Pachacuti, when world affairs would be turned upside down, and the disk hidden in Lake Titicaca would rise and reactivate, opening the feminine heart energy of un-conditional love to spread and expand throughout planet Earth.

Lake Titicaca is considered by many to be the gateway for the feminine energy on the planet. There are ley lines there that extend directly to the Himalaya Mountain, the purported gateway of the masculine energy on planet Earth. How auspicious!

Lake Titicaca is the highest body of water on the planet sitting at 12,500 ft above sea level. Being there on Feb. 14, 2010 was much like being at ground zero. Every fear, limitation and emotion was going to intensify along with feelings of inspiration, hope, determination, empowerment, joy and love. Some believe that those of us who were there, were there 500 years ago. That we had returned to have this experience and to do our work, holding this energy.

When one goes to Peru it is best to let go of all expectations, as well as one's own customs and habits. Peru has its own flow and sequence, and alignment with that flow brings forth mystical opportunities. The intensity of ones desires are met by the ancient wisdom spirits of the mountains, the Apus. These powerful energies exist and manifest in different ways whether we believe in them or not. Whatever your persuasion, you will be touched in extraordinary ways. It brings a unique and personal experience for each person.

Women
Solar Disk

Women
Marce and Fertility Temple

Women
Zan with kids

Awakening is not only possible, it is probable.

For the Solar Disk Activation about 250 people or more, traveled by boat, (18 on ours,) for an hour and a half to the Island of Amantani. There, two by two, we would overnight with host families, who lived half way up the mile or so mountain. We are talking altitude upwards of 12, 500 ft. to 13,000 feet. (Puff, puff.)

The island has a population of about 5000 people. They are mostly farmers, shepherds and fisherman, paisanos, who live off the land as their ancestors have centuries before them. They live in adobe homes fabricated of bricks fashioned from mud and straw. On the side of Amantani that we were on, there is a recently installed aqueduct from which water could be fetched. Most homes had one line with a light bulb. There is no source of heat in these adobe homes, but they seem to hold the heat once the windows and doors were closed. I was surprised! The nights were brusque and we buried ourselves under heavy wool blankets, flattening our feet with their weight! We remained warm. The bathroom was an out house, out by the sheep's pen.

Our family, Sonia (age 30) and Laurentz (age 31) had two young school age sons. None of them had ever been off the island. The food they fed us was simple. Mostly soup made of a variety of fresh grown potatoes, corn and lima beans. I speak broken Spanish so we were able to converse a bit. They never ate meat, not even fish. When they spoke to one another they spoke almost in a whisper. Even their boys were quiet. You could hear them giggling quietly in the room next door. I felt honored to be in their presence of these people.

We were to begin our hike on February 14 at 7:30am in order to arrive at the top by 10:30am. Ceremonies would start at 11am. Huge downpours with thunder and lightning had started in the early hours of the morning and continued to release their fury as we ate breakfast and wondered if the ceremonies would even take place. Not surprising, by 7:35am, the rains subsided, and though misty we started our morning climb.

Atop of Amantani there are two temples, one to the Earth Mother, Pacha Mama and the other, to the Sun Father, Pacha Tata. They rise up above the Island like two breasts, separated by a valley referred to as the "heart."

Women
Zan crossing the river

Women
Condor

Women
Colca Canyon hike

My group was heading up to Pacha Tata. The climb was rough. I felt every muscle and breath of my age. I was carrying a knap sack with my sacred, Native American medicine pipe in it, to pray with during the ceremony atop the mountain. I had a special prayer and song to do with the pipe, a calling in of the Grandmothers, a ceremony gifted to me shortly before my journey to Peru by one of my teachers, a bear tribe medicine woman and teacher named, Wind Daughter who came to Florida for a visit.

This pipe bundle was heavy. As I struggled, a younger woman from our group, Jean, relieved me of my burden and carried that pipe a good distance up the mountain. I am so grateful for her assistance. When she could carry it no longer, a young man sprinted forward and took the bundle from her and carried it the rest of the way up the mountain. This same young man ran fleet footed with a message from the top of our Pacha Tata to the top of Pacha Mama and back. We later learned that he was a young shaman in training, son of a Bolivian shaman.

Shaman, ayahuasqueros, chacarunas, medicine men, indigenous elders from the Americas gathered atop of Amantani and began to create a center altar with our sacred objects.

Around ll:00 am we all joined hands in a huge circle around a center altar. We all wore white. The many shaman wore their colorful ceremonial garbs. The sun had come out and the clouds had vanished. We felt within each of us a gleefulness, an elation hard to express. Perhaps it was the feeling of having succeeded in spite of our weak and challenged bodies, to reach the top of the mountain. In retrospect it seemed not nearly as hard a climb as we had thought it would be. It was as though some strong force had picked us up and inspired us onward. Surely it was our determination. There was a fellow among us who had two very bad knees. I thought he would never make it to the top and yet he climbed that mountain and seemed more in bliss than in any kind of pain. He was inspiring and for me remains a hero.

As we stood in the circle hand in hand we became aware that the sun had grown more radiant. A rainbow colored ring had formed around the sun, like a circle within a circle. And within that circle another rainbow ring had formed covering the circumference of the sky above us, too big to catch with a camera. We stood there holding hands feeling this tremendous blessing in the sky above us; this heat radiating within our solar plexus. And as we stood there, paisanos from all directions, dressed in their finest regalia reached the summit and filed one by one into our circle, joining hands with us. They did this on the Pacha Mama too, I l would later find out. What a beautiful sight!

This little old man, about 3 ft tall, with dark wrinkles and small leathery hands took my hand in the circle. His eyes sparkled and his brown toothed grin was large and endearing. I thought about how he looked like some of the little people who help me in my shamanic work, and wondered if he recognized me, as I seemed so comfortable with him. The ceremony went on, with prayers, chants, whistles, bells, calls asking us to hold open our hearts and greet the energy of the Sun and the great Sun Source, behind the sun. The light of that moment still reflects within me today. The wind blew lightly and clouds reappeared spotting the midday sky.

We looked up and the outer rainbow had vanished. The inner one now was filled at its perimeter with thick clouds which backed by a radiant sun, looked very much like a solid golden solar disk, right there above our heads. Wow!

Women
Lee, Marce and Zan

Women
God's Land, Peru

Women
Colca Canyon River

An aside, amidst all this spiritual radiance, a cell phone rang out. It belonged to the little paisano standing next to me. He smiled, stepped out of the circle, said something in Quechua to the person on the phone, and then smiling stepped back in the circle and took my hand. How droll this was to me then, and now! I wondered how he came by his cell phone, and who he was. I never did find out!

When the ceremony ended the clouds had returned to the sky. We descended the mountain to the heart valley in between, where our hosts had prepared a picnic lunch. We sat on the ground across from them and gratefully gobbled down potatoes, corn and lima beans with our fingers, grateful for the feast and famished from our adventure.

It has been over two months since that ceremony and the beauty, wonder and radiance still warms me. There were many more magical and mystical events on this journey to Peru, and perhaps I will share more of them later.

Note worthy to mention, and included in some of my pictures is Tiwanaku in Bolivia, a ceremonial center and sacred site dating back 17, 000 year ago or more, There you could close your eyes and feel the rocks move under your hands. Past life or ancient memories of other times seem to rise in the foreground of ones imaginings, so profound that it brought some folk to tears.

The famous Aramu Muru, interdimensional doorway, was no less profound, opening up within us other dimensionalities. It is the place to which the legendary solar disk was once brought and then from which it was taken and hidden in Lake Titicaca.

Is it possible that Peru abides in an interdimensional doorway its own?

I wish to share with you briefly the hike that I took with my good friends, Lee and Marce and a guide to Colca Canyon, place of the condors. This canyon is bigger, deeper and vaster that the Grand Canyon.

It rained every afternoon and night for the 3 days we were there, and we often mused that perhaps we would never merge from this canyon. On day one, we headed down slick muddy switchbacks whose rocks rolled out from underneath our feet. We had started the day early, and now it was close to sunset, and we were tired and pressed to reach camp before dark. The fellow with the burro with our supplies had gone on ahead of us. My legs felt weak and started trembling, giving way and collapsing under my footing. The girls would help me up but a few steps later I would collapse again. My body felt huge, massive. I felt like I weighed a ton. My legs could no longer hold me. I sat down there in the mud, lay back against the rocky ledge, comforted by the soft mud of the earth mother which seemed to be all around me. I was not uncomfortable, more in acceptance and resolution. I knew that if I could not get up and walk the rest of the way that the guide and my companions would have to leave me on this mountain in the Andes for the night. I recalled a dream I had had when I was sixteen years old. It was one of those quite real dreams that I call a "dream walk," and today I remember it as a past life or other life. In that dream I died in the Andes, although in quite a different way. It was nevertheless out on the mountain, on a ledge, at night, in the Andes. Comically or ironically Marce had brought a book with her title, "Death in the Andes." I wondered at the time if this title was now a foreshadowing of events to come!

As I rested there on the mountain, I was not afraid. It was all really okay. I felt this massive and huge earth mother stone body of mine, sitting there, leaning back, becoming one with the mountain. I was among many such rocks and boulders that embody the canyon, good companions for the night. For a moment I was unable to move at all. I had indeed become stone.

Interestingly, a couple of years ago, I had involved myself with other Bear tribe women in a passage and work with the 13 Clan Mothers, adapted from the book "13 Clan Mothers" by Jamie Sands. I worked with and represented the essence of Clan Mother, number 2, of the second moon cycle of February. She is called, "Wisdom Keeper." She is the historian, the keeper of the stone libraries, and the records of all times. Her body is of Stone. In that moment there at dusk on February 18, she and I became one for awhile. I felt my body grow and the earth shift around me. I was the color of mud, and a very large, and expansive mother earth boulder, and I was perfectly at home in the dimming light of the mountain.

Someone found some electrolytes, which quickly revitalized me and once again I was able to stand and walk.

We made it to our encampment as the last light left the sky. I love you Pacha Mama, Earth Mother. I am indeed your daughter.

The morning heat overtook Lee on day two, and she was restored thanks again to electrolytes! I was grateful that someone else had had a weakening experience. Marce, who is one of those A-1 personalities and is always in the best of shape and was well prepared for this hike and survived best. She reminded us that we had not done nearly enough cardio-vascular work, a statement at that time seemed comically self evident and of course at sea level you cannot begin to feel the challenge that you do at 12,000+ft.

In the end, Lee and I surrendered our lives and wisdom to the mulas (mules) whose wisdom and sure footing knew how to carry us the last two hours up out of that canyon, through rain and narrow paths which had become rivulets of water and rock which gave way under foot. They clung to the edge of the Canyon, helping us to overcome any thought or fear of heights we might ever have had! Our lives were dependant on this lowly beast of burden, who carried our tired and delicate bodies up out of the canyon, forcing us to surrender our wisdom to this "dumb" (not so anymore) beast of burden. Great lesson in humility!

Marce humbly claims that she only hiked two more hours than Lee and I. I cannot believe that she made it up that mountain only 20 minutes behind us! She admitted to not wishing to ride a mule and I think she really wanted to get out of that canyon fast! God bless!

I did receive a Condor feather, from an old man condor who flew over me and gifted me with a well worn feather, releasing it almost on top of me. The wind blew the feather into a ravine below. The guide fetched it for me. I brought it back with me and it remains one of my most cherished possessions.

Lastly, I just wanted to share with you that I have at last cleansed myself of the parasites I brought back with me, which were exacerbated by a slug of Lake Titicaca water, which I accidentally drank once back at home, from a bottle I had brought back with me. I think I wanted to have some of Peru stay with me a while longer. Indeed Titicaca water is very salty!!

I continue to feel the resonance of the light of the Solar Disk radiating deep within my own solar plexus daily and I am delighted, or enlightened, or in lighted, or simply blessed.

Blessings of love abound, Zan

Women
Condor

Women
Flying Above the Andes Peru

 


Rev. Zan Butterfly Deerwoman Benham, goddess of many hats, weaves together modalities as individual and unique as the clients she serves. She is an ordained interfaith minister and a spiritual counselor. She is also Certified Hypnotist, Reiki Master, energy worker, shamanic practitioner, motivational teacher and ceremonialist. Rev. Zan has actively participated in healing circles for almost 20 years. She is Clan Mother of the southwest Florida Mockingbird Clan, a rainbow clan which follows "native way spirituality" and she has spent time with some of the shaman/chacaruna's of Peru.

Rev. Zan ButterflyDeerwoman often facilitates new moon and full moon healing circles, shamanic journeys, soul retrievals and sweat lodges. She is a pipe bearer, in the tradition of the late Sun Bear and a water pourer for sweat lodges.

Zan is host of "The Butterfly Effect" audio show on The Butterfly Effect.
. Listen to her interviews about this experience in this month's audio column.

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Now Hear This

A little bit in writing about what's happening at
LadybugLive.com, MooseMeals.com, and TeenTalkNetwork.com

 

Serious and Entertaining
We have it all

This Month:

We always try to keep up with technology and I have wanted to add video to the audio shows for some time. Thanks to Justin Spring who found this source, I think we will be doing that very soon. We have already begun with Justin's show, SoulSpeak which is back in video form, and some of the other programs will be adding video soon. One exciting part of this video option is that you can participate live! The recording times for participating shows will be posted on their pages and you can call in or participate through Twitter®.

Susun Weed is back from her winter hiatus and this year she is reading from her book Breast Cancer? Breast Health!. Last season's book on childbirth will soon be added the the collection of audio books from Susun so if you or someone you know is thinking of having a child be sure to get this valuable book on CD.

 

This Month Watch and Join in:

 

LadybugLive, Audio, Webcasting, Web Casting

Lisa Niederman
Return of the Children of the Sun; Activation on Amantani
Jo Mooy
Return of the Children of the Sun: After the Solar Disk Activation

  LadybugLive, Audio, Webcasting, Web Casting



Know someone who might want to be a host at TeenTalkNetwork.com?

We have two teens on now and both are growing up fast. The only requirement is that they want to do it enough to stick to a schedule. They all find their voice as they go along. Desiree Nelson is the older of our teens—she's in her second year of college this year and she is now cross-programmed to our site at LadybugLive. The other, Rae Quigley is just starting college and has done several shows on how important it is for colleges that you do something outside the usual. There are lots of benefits for the teen who can do this, not the least of which is the experience itself. It's a great gig for any teen!



 

If you are a writer and would like to become a NewVoices author or artist, contact:

Georgia@ladybugbooks.com
Please use the subject title: NewVoices Information

 

Now Hear This     It's Not Your Same Old Radio!


"There are people who have something to say and those who have something to sell. We are interested in the ones with something special to teach the world."


For LadybugLive, TeenTalkNetwork, and MooseMeals to continue growing, we need correspondents and readers. The process is quite simple: submissions are by email. If accepted, a reader calls, either our local or our toll free number as directed in the acceptance email, to record. What will you be recording?

We are looking for: readings of original creative work, comment and commentary, and ideas for regularly appearing programming that can be done within this format. We are not able, as yet, to do direct call in shows, but shows that require listener (delayed) response are OK. All of this, of course, within the same guidelines as everything we do: Of interest to women (no particular restrictions). This format might also be ideal for some of those traditional topics, such as clothing and makeup, with a fresh "twist."

Send ideas and proposals to Georgia@ladybugbooks.com

We strive to bring you the best in women's writing.

And...

Keep up to date on what is happening at NewVoices and LadybugFlights by signing up for our monthly announcements!


We know online radio is new to many of you but we also know how rewarding it can be. So, if you need help to get started, don't hesitate to contact Georgia for help... And, hey! Our hosts love hearing from you!

Our teen site, TeenTalkNetwork.com programming is safe — no porn or other unwanted promotions are attached to our files.

The Internet promised and we are delivering.


New programming is always available at:
TeenTalkNetwork.com
MooseMeals.com
LadybugLive

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Beatrice Spreadmoore's Financial World

Clarity From Your Bank

What you need to know about your credit card account

This months article is to summarize with clarity the "Letter of Clarity" from a bank regarding new credit card regulations recently imposed by our government.

Greetings

You have most likely received a letter from your bank titled "Your clarity Commitment * Summary enclosed." This letter is an example of our government in action and is in response to the new laws governing credit card use.

The first part of the letter tells us that the bank is responding to our feedback and is taking the initiative (ownership) to implement improvements in credit card use and ownership. How dare they!! We pressured our government to implement credit card enforcement rules and now the banks are trying to pass this off as a great idea that they thought up because the corporations are such good guys. You can find the governments version of the law at: en.wikipedia.org/wiki/Credit_CARD_Act_of_2009 Although the bill states; "Cardholders Should Be Protected from Misleading Terms" this does not appear as one of the implemented changes in the letter and agreement sent out by the bank. It would likely take a legal expert to interpret the letter of clarity. Can a bill be just part true?

The letter concludes by saying that the enclosed information contains complete details. They have also included the "fine print". The contract, in part, titled Account Agreement Amendment, describing in detail the legal aspects of how the changes are to be implemented.. This and the contract itself are beyond my expertise and the size of this article to summarize in simple terms, as it is intended to be, but you can be sure that it like the toxic assets that brought down our banking system are based on mathematical formulas that only a few expert mathematicians can interpret.

The Agreement

The agreement starts by stating that "the information is accurate as of 3/22/10". This seems to imply that it may not be accurate after that.

Clarity Commitment

Purpose: to provide a clear and straightforward description of account rates and fees. "This does not take the place of the Agreement" which contains more details about terms of pricing. Does this mean that what I read here may only be general information and may not apply to my account?

Well so far so good ... I understand their stated purpose and that this letter is not actually my binding contract.

Summary of Interest Rates and Payment Information

The summary states that my statements will show details and that I will be charged interest on balances carried over. If I don't pay on time they will charge a penalty (they call it interest) and my account will not be in "good standing". They will give me 45 days notice before increasing interest rates except in special circumstances (to be defined). It is my responsibility to keep track of the due date. This is my summary and the details of their message are shown below.

1. My monthly statement will show balances, credit limit, available credit, interest rates, minimum payment and payment due date. Okay

2. When the card has a balance I will be charged interest at my Annual Percentage Rate. This rate varies with what ever it is tied to and is called a "Variable Rate". Oh oh, this seems like an official term. Are there limits? Maybe they will tell me.

3. If I can't pay the balance in full each month (not really a month, just a billing period) paying more than the monthly minimum (another official term) can reduce interest costs. How do you imagine this works?

4. If I pay on time, the due date, (another official term) I will not be penalized and the account will be in good standing. They go on to imply that it is my responsibility to keep track of when the payment is due. Maybe the law will make them use the same date each month?

5. Starting May 1, 2010 they will NOT increase my rate on existing balances for late payments or other related reasons (such as?). However, the interest rate can still change when promotional rates expire or the rate (such as the Prime) to which my interest rate is tied to changes. Are there any exceptions?

6. Yes, they may increase the rates for future balances or the amount of your credit limit. The factors they consider include: "your performance on this or any other account, individual credit history, and overall economic and market trends." What! I thought one of the new laws said they could not do this.

7. They must provide 45 days notice prior to any Annual Percentage Rate increases except for changes in the rate (Prime) that your interest is tied to. Hey!, this means that they can just change the rate.

Summary of Fees

The important items here is that I can now bounce a credit card charge, have 25 days from statement date to pay up, and that they will charge high fees if I don't behave and follow their rules.

The fees include such things as International Transaction Fees, Transaction Fees, Late Payment Fee, Over limit Fee, Returned Payment Fee. The important item for most of us is the "due date". They state that I will have at least 25 days from the statement closing date to make my payment or it will be late. I need to make sure that I get the statement ASAP.

Starting July 1, 2010 I will no longer be charged a fee for going over the credit limit, but now they can decline to accept the charges. So ... now we can bounce a credit card just like a check. They point out that this could be embarrassing. Yea.

Changes to my Account

They now go on to let me know about changes to my account that will take effect July 1, 2010. They include litigation, Illegal transactions, Loss of Promotional Rates, Elimination of Penalty APR's, Overlimit Fee, Allocation of Payments, Change in Terms, Other Changes, and Variable Rate info. These changes will apply even if my account is closed. Huh?

Litigation

Mandatory arbitration is removed. Now it is lawyer up or forget it.

Illegal Transactions

I can not use my account for illegal transactions. I wonder if this means I can't buy medical marijuana?

Loss of Promotional Rates

Effective May 1, 2010 when the promotional period expires the interest rates will increase to the Annual Percentage Rate. Since we made them pay the highest rates first they are just eliminating the promotional rates.

Elimination of Promotional APR's

Rates for existing balances will not be increased as a result of late payments. Existing penalty rates will not change. See my account for "change in terms". Better check into this as it uses terms such as rolling six month billing period and other variables.

Variable Rate Information

Tells me what my rate is tied to and that a change in these rates will cause a change in my payment. They go on to give me several paragraphs of legal terms defined by calculus formulas that would require an expert mathematician to explain. Note to self: better see if I have a friend in the math field.

Over limit Fee

No fees will be charged for going over my credit limit. Instead they will not let me make the charges. They admonish me to know what my limit is.

Allocation of Payments

The order in which payments are applied is changing July 1, 2010.

1. They may choose the order in which a minimum payment is applied. They may pay outstanding balances before they pay new purchases.

2. They may apply the payments to the balance with the lowest interest rates first. Hey! I thought the new rules put an end to this. Note to self find out what this really means.

3. If you pay more than the minimum then the overpay is applied to the highest interest rate balances. Okay, now I see how we only get one-half the rotten apple.

4. Wait ... it goes on to say they can choose the category (balance, transfers, purchases) and decide with in these what gets the overpay. Note: need to find out what the order of payments is for all categories.

Change in Terms

They explain what criteria they will use to change the terms of my agreement. They do add that changes will not impact my existing balances. Basically, it says that based on a very complex calculus formula they can change the rates and that the variables of the formula include pretty much everything.

1. Reasons for change: my risk profile (profiling), payment pattern, use pattern, balance pattern, utilization levels of this and other accounts, credit bureau info, including age, history, and type of other accounts and relationships between each of these measures (thought they could not consider other accounts).

2. They can change terms based on: overall economic and market trends, product design (watch out! toxic products), business needs.

Field Trips

Understanding the Credit Card Act

Safeguards for younger consumers

How to dispute credit card charges with your bank

 

Happy Trails,

B.S.


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Books, Cooks, Looks & Ms. Elani
Elani

Dear Friends and Readers,

You can't judge a book by its cover.

The Hole We're In
by Gabrielle Zevin
ISBN 0802119239

Elani

You can't judge a book by its cover could be a second name for Gabrielee Zevin's new book The Hole We're In. From the beginning of the story, the reader is aware that each member of the Pomeroy family is not what the public meets when first introduced. Roger, the father, yearns for something more, maybe a PhD and forget that he is a pastor in a strict religious school? But that is really just a reason to cover up parts of his life he does not enjoy. And George (nee Georgia), the mother, the perfect mother, wife and hard worker who gains weight to cover up her unhappiness and fear of disappointing her husband. Then there are the three children, Helen, the oldest, Vinnie, the prodigal son and Patsy, the baby. Nothing in their lives went as they had expected. But those basic parts of the plot are just the structure.

Zevin has based the story around Patsy who has recently returned from a deployment in Iraq. She fits the guidelines for traumatic stress syndrome.

To fit back into the small town from which she left is not only impossible but not something she wants to do yet she finds herself having no choice, at least not one that anyone in her family would accept. Especially the husband she left behind who expects the same girl he remembers. Patsy finds herself kicked out of the family, at least as far as the church and its pastor (her father) are concerned. Yet, she must work with the threads that still connect each of them together. No matter what Patsy does to help solve the various family problems she can only really be accepted if she seeks redemption. Unable to do so, she enters back doors to reach out and still be her own person.

The Hole We're In is a well written account of a fictional family that easily could be any middle class family in America today. Zevin uses humor and honesty when dealing with issues we read about in every newspaper. She shows no pity for the characters yet opens to all what most American families want and have trouble gaining; good credit, well paying job, higher education degree and the ability to pull together when needed to get themselves 'out of the hole we're in'.

 

Elani

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From the EDITOR

Turning Points and Talking Points

Life is about change. If you haven't learned it any other way the Internet will certainly teach you that lesson.

As I said last month, it seems that it may be time for LadybugFlights to undergo a change. I did hear from some of you... A couple said that after my recent near-death experience I should give myself more time for perspective, and I wouldn't disagree that some things in the way my mind works have certainly changed. But I don't think it is as simple as that.

Other comments have been supportive and, even, enthusiastic about what we do here. I particularly loved the one about our "Virtual World".

It isn't easy for Irma Hudson to find something fresh that applies to the Internet but still has a female feeling, and she does it every month. It is that kind of writing that will keep this magazine going and I appreciate it as much as all of you do.

But, I did hope for something more. I wanted to know what you would like to see here. I wanted to know what you would like to write here. Much of what we present every month comes from sources who either touch us accidentally or who know us well and want to share what is on their mind—We do not rely on staff input alone. I would like to have a regular, hard hitting, issues column at "Your House is On Fire", and what about peace reporting, or the international reports we used to get from all over the world? It bothers me that we seem to be more insular than in the past, or than I had hope for in the past. Creative thinking challenges. Unfamiliar ideas and experiences provoke.

My friends were right. This is not the time to shut down, but there is no question in either of my minds (the before the illness or after) that it is always time to push for more and better. So let's do that.

Push some ideas our way and I promise you will be heard.

Georgia Jones, Editor

 

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READERS REFLECT At LadybugFlights we have always encouraged the participation of our readers. For that reason we have this space, a place where you can be heard. Nothing as formal as an article or a column... Just some venting, self-expression, or a chance to communicate what you are thinking on almost any topic. Send it to us and we will let you know if we can use it!

 

Dear Georgia,

Please don't shut down LF. I look forward to it every month and find that you provide information and ideas I can't find in such a friendly form anywhere else. Who cares how many of us there are?

I know, it matters in business, but read the Virtual column. I just love the way it tells me about technology but does it from a woman's perspective. If you do shut down, can you send me a copy of that every month?


Love
Linda

Read this feature from past issues.

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