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How to Protect Your Biggest Asset–Your Income

Originally published CNBCYou’ve got a machine just sitting around your house. It’s a money-printing machine, and it’s perfectly legal. This machine is expected to print $75,000 this year before taxes. You’ll use that cash to pay your household expenses.

Each year, the machine will print 3 percent more than it did in the previous year, and it will continue doing so for the next 40. That means, over its lifetime the machine will print $5,655,094.48, easily making it your most valuable asset today.

Yet there it sits, maybe in your garage, between an inherited set of golf clubs and a wheelbarrow with a flat tire, unprotected. Uninsured.

The machine, of course, is you, or more specifically, your ability to generate an income. It didn’t come cheap. You and your parents invested years of training and likely tens of thousands of dollars in hopes that your machine would not only support you financially for a lifetime but launch another generation as well.

We don’t question the need to buy insurance for the things our money machine purchases. But few of us know if—or at least how and to what degree—their income-generation engine is protected.

Do you?

Boomer Esiason’s Advice For Millennials: Plan For Tomorrow, Live For Today

Originally in ForbesBoomer Esiason is busy—I mean, really busy. “Starting next Tuesday, all the way until after the Super Bowl in 2015, I think I’ve got about four days off,” he told me.

Why, then, was he anxious to talk about financial planning and life insurance?

It’s because he has a message for today’s youth: “Protect your future and make sure that whenever adversity strikes, you are prepared for it.” Prepared, among other things, with the appropriate level of life insurance.

But how did one of the National Football League’s great quarterbacks and commentators become an advocate for life insurance and the spokesperson for Life Happens, a nonprofit dedicated to increasing awareness of the importance of planning with life insurance?

Back to School — Back to Financial Fundamentals for 3 Generations

Originally in ForbesAs kids head back to school, adults spanning several generations set their sites on getting their financial house back in order.  What are the most important financial planning considerations in three major demographics—Millennials, Generation X and Empty Nesters?

Millennials:  First things first – Before making any big financial commitments, like buying a house, figure out what you want life to look like.

  • Are you in a relationship and looking to “settle down,” or do you highly value freedom and flexibility?  If the latter, you shouldn’t be buying a house or committing to a job that is geographically tethered.
  • If you’re in your twenties, the primary factor that will influence your financial success is how well you establish yourself in a career.  Invest in yourself, and that will likely help you invest more money in the future.
  • Save as much as you can in tax-qualified retirement accounts at this phase of life, because once you get settled down and have kids, your expenses will rise dramatically.
  • Don’t default to 100% equity portfolios just because you’re young.  After getting burned by the market crash of 2008, many Millennials got scared away and didn’t benefit from the subsequent market rise.  Your portfolio should likely be predominantly stocks at this age, but consider some fixed income exposure to keep from losing your shirt (and abandoning your strategy) in a downturn.

The Top 10 Places Your Next Dollar Should Go

Originally in ForbesThere is no shortage of receptacles clamoring for your money each day. No matter how much money you have or make, it could never keep up with all the seemingly urgent invitations to part with it.

Separating true financial priorities from flash impulses is an increasing challenge, even when you’re trying to do the right thing with your moola — like saving for the future, insuring against catastrophic risks and otherwise improving your financial standing. And while every individual and household is in some way unique, the following list of financial priorities for your next available dollar is a reliable guide for most.

Once you’ve spent the money necessary to cover your fixed and variable living expenses (and yes, I realize that’s no easy task for many) consider spending your additional dollars in this order:

Boomer Esiason: NFL Great Turned Life Insurance Advocate

Things are super at the Super Bowl“Today is your day to go out into the world.  You’re going to be great!”  This affirmation is one of a precious few memories that National Football League great, Boomer Esiason, can vividly recall about his mother, who died when he was only seven.

She was the “Belle of the Ball,” according to Esiason’s grandparents and older sisters—a beautiful singer, dancer and piano player who “would light up a room” with her blond hair and blue eyes, inherited by her only son.  But Boomer was not old enough to own these recollections himself.  Those memories endear him to the woman he can barely recall, but his enduring memories are limited to only two.  The first was sitting on his mother’s lap while she tied his shoes on the first day of kindergarten, whispering prophecies that would indeed come true.  The second and last memory was being denied access to her hospital room as she died of ovarian cancer.  Young Boomer was relegated to sitting in a courtyard, the scene emblazoned in his memory, as his mother would occasionally come to an overlooking window to catch a glimpse of her boy.

Living With A Broken Heart

Almost 30 years later, in 1996, Esiason found himself at that same hospital visiting his maternal grandmother shortly before her passing.  But that time, as an adult with children of his own, he recalls looking from his grandmother’s room, fixating on the very courtyard where he once sat contemplating the loss of his mother.  There was so much that he didn’t—couldn’t—understand as a child that he was able to comprehend as a husband and a father.

Boomer’s father, Norman, was a member of the Greatest Generation, a World War II veteran who took advantage of the G.I. Bill.  He worked his way into a solid job, but his wealth was in his family, not his balance sheet.  The loss of his wife—her income, of course, but especially her presence—had a significant negative impact on their household.  But quiet, reserved and proud, he never once considered complaining or outwardly lamenting the financial difficulties he endured after the passing of his wife, even shielding his children from the reality.  Boomer recalls at the age of 16, lingering as his dad finished the weekly examination of household finances so that he could ask for five dollars to take his girlfriend out, a favor he was rarely denied.

“I know that he lived with a broken heart,” the younger Esiason confessed.  “He died in 1999 on Thanksgiving, of all days, at the age of 77.  But from the time that my mother passed away in 1968 to 1999, I never saw my father with another woman in all those years.  He raised me with a broken heart and I think I was his escape.”  Indeed, Boomer gave his dad something to cheer about.  After setting 17 school records at the University of Maryland, he was drafted into the NFL by the Cincinnati Bengals in 1984.  In 1988, he led the Bengals to the Super Bowl and was voted Most Valuable Player of the league.  His dad was also able to see his son retire from football and begin a successful broadcasting career that continues to this day.

Today, however, Boomer’s passion for football seems eclipsed only by his desire to pass on the life and financial lessons that he has learned through experience.  So when Boomer was asked to be the spokesperson for Life Insurance Awareness Month by the LIFE Foundation, it was an easy decision.  “This absolutely fits what has happened to me in my life for a number of reasons,” Esiason told me as he opened the window into his life beyond the gridiron.  “When I became an NFL football player and decided to have kids in the early 90’s, I recognized that I didn’t want to have happen to my kids what happened to us, as [we were] struggling when I grew up.”

Further compounding the importance of life insurance for Boomer and his wife, Cheryl, is the fact that their son, Gunnar, has cystic fibrosis, a genetic disease that primarily attacks the lungs and often compounds the impact of other illnesses.  Day-to-day medical expenses are high, and the cost of finding a cure, higher still.  So in addition to the $100 million raised by the Boomer Esiason Foundation to benefit all CF patients, Esiason sees life insurance as vital to ensuring that his son has the financial resources necessary to continue his push toward a cure.  “If I don’t protect [Gunnar’s] future and I don’t protect my family’s future, then if we ever found ourselves in the situation that I found myself in when I was seven, it would be an unmitigated disaster and my kids and my wife would not be able to sustain the life that we’re fortunate to live now.”

Boomer and his best-friend, Tim O’Brien, made the decision to acquire adequate life insurance for their respective families together in the early 1990’s.  Later that decade, O’Brien helped move the Boomer Esiason Foundation headquarters “closer-to-heaven,” to the 101st floor of the World Trade Center’s North Tower.  While thankfully all of the Foundation’s full-time employees were absent the morning of September 11, 2001, Esiason lost over 200 friends, among them, Timothy O’Brien, husband and father of three children, ages seven, six and four when he died.

There is no financial strategy or product that can return a life when it’s been taken, but the life insurance conceived in Tim O’Brien’s foresight allowed his family to grieve properly and to move forward deliberately, without fear that their livelihood was also at risk.  There is no athletic accolade that will reprogram Boomer Esiason’s brain with memories of tender moments with his mother at his high school or college graduations, his wedding or the birth of his children, but the financial and life lessons learned from her loss and the endurance demonstrated by his father are already being passed on to future generations.

“My business is me.”

“I don’t have stock options and I don’t own companies,” Esiason told me.  “My business is me.”

Although I’ve never been asked to provide color commentary for the Super Bowl, and most of the people I know have never been voted the MVP of the most valuable sports league in the world, the same can be said for most of us: My business is me.  Your business is you.  Have you really done adequate financial and life insurance planning to ensure that those you love would be cared for even beyond the demise of your business—you?

Most people avoid conversations about life insurance because we generally don’t like to brood over the topic of our own demise, and many attach a hard-sale stigma to the life insurance business, using that as a rallying cry for inaction.  Death’s inevitability considered, a fear of it is certainly understandable, but meaningful discussions on the topic can be surprisingly life-giving.  And while the entire financial industry has more work to do in its evolution from sales to advice, the stereotype of pushy life insurance salesmen coercing you to sign your life away is grossly overstated.  Besides, neither of these concerns reduces the importance—the responsibility—of planning for the unexpected.

Boomer Esiason doesn’t sell life insurance.  He’s an ex-pro football player, an NFL commentator and the chairman of a foundation in support of the cystic fibrosis cause.  I don’t sell life insurance.  I’m a fee-only financial advisor, an educator and a writer.  Both of us, however, wholeheartedly support the LIFE Foundation’s initiative to bring awareness to the vital role of life insurance within financial planning in the month of September.  Consider utilizing their life insurance calculator and description of the different types of life insurance as a first step in that journey.  Feel free to ask me questions about your specific situation in the comments section or via email at tim at timmaurer dot com.  But please don’t let “Look into life insurance” be another important to-do left undone.

If you enjoyed this post, please let me know on Twitter at @TimMaurer, and if you’d like to receive my weekly post via email, click HERE.

Term Vs. Perm (Life Insurance) In 90 Seconds

The battle over term versus permanent life insurance need not be a battle—there are appropriate uses for both of them.  BUT, permanent life insurance is likely over-sold because of the handsome commissions received by selling agents.  Watch this new video to help determine whether you should be considering permanent life insurance or handling your insurance needs with term life.

The reason permanent life insurance products seem expensive is because they are.  A few years ago, I purchased a new $1 million 20-year term life insurance policy with a premium of under $500 per year.  I knew permanent life insurance was more expensive, but I was curious how much more expensive, so I quoted comparable whole life, universal life and variable life policies.  The variable and universal policies were ten times the amount of premium and the whole life was twenty times the term premium!  (Please note the difference in premiums will vary for each person, depending on age and health.)

But what is the difference between term and permanent life insurance?  Regarding term life insurance, you pay an insurance company to transfer the risk that you will die during the stated term of the policy.  If you have a 20-year term policy, your premiums are guaranteed to stay the same for twenty years, and if you die during the 20 year period, the insurance company pays the death benefit to your named beneficiaries.  Typically, by the end of the term your need for life insurance is gone.

Permanent life insurance is substantially more expensive for two reasons: First, while term policies are primarily created to last only for a finite period of time that will likely end before you die, permanent polices are often designed to exist until you actually leave this earth.  This dramatic increase in the likelihood that the insurance company will be responsible to pay a death benefit means they need to charge more in premiums.  Second, permanent policies often have a tax-privileged savings component attached to the policy, so a portion of your premium is set aside to accrue for your future use.

But the “investment” feature in a permanent life policy is rarely as effective or efficient as several others, like your 401k, IRA or Roth IRA, so fill those buckets first.  You should also not consider permanent life insurance until you have substantial emergency reserves, all revolving debt paid off, education fully funded and money in the bank for large future purchases.  Permanent life insurance can be a valuable tool for a relative few, but unless you have income of over $250,000 annually or over $1 million in assets, your life insurance needs are likely best met with term life insurance.

How Insurance Works, In 90 Seconds

Every time we experience a calamity, like Hurricane Sandy if you’re on the east coast, it reminds us that there are risk factors in life beyond our control.  Through insurance, we transfer these catastrophic risks we cannot bear to insurance companies, but knowing HOW INSURANCE WORKS is vital to understanding why, how and what we need to insure.  Take the next 90 seconds to more thoroughly understand HOW INSURANCE WORKS:

[youtuber youtube=’’]

Long-Term Disability Income and Long-Term Care Insurance Apps

This is the eighth exercise in a series designed to walk you through an entire financial plan.  The exercise is embedded in an Excel spreadsheet you can download and save for personal use.  You can find the backdrop for the disability income exercise HERE and the long-term care exercise HERE, or just jump right in with the instructions given below:

This exercise is a three-step process.  Step One is to determine what you need.  This is accomplished by writing out a Disability Plan if you are in your 30s, 40s or 50s.  If in your 50s, 60s, or beyond, you need to articulate your Long-Term Care Plan.  Start the process by writing out a paragraph beginning with the following sentence: “If I became disabled [suffered a long-term health care incident], here’s how I would handle that financially…”  We’ve provided space to do so in our online exercises for this chapter.

Step Two is to establish what you already have.  The online exercise includes a template with spaces to fill in for the primary features mentioned in this two-part blog series.  Once you have completed the template, you’ll better understand the coverage you have.  Step Three is to determine what you actually need and want in a policy and create a template to retrieve quotes and find the best coverage.  You’ll be better prepared for the engagement with the insurance agents because your template will ensure you’re comparing apples-to-apples, a very difficult thing to do with long-term disability income insurance and long-term care insurance.

Click HERE to access the long-term disability income app and HERE to access the long-term care app!

Home and Auto Insurance App

This is the seventh exercise in a series designed to walk you through an entire financial plan.  The exercise is embedded in an Excel spreadsheet you can download and save for personal use.  You can find the backdrop for the exercise HERE or just jump right in with the instructions given below:

In order to know if your home and auto insurance policies are providing you with the appropriate levels of coverage, you’ll want to collect the declaration pages for all of your home, auto, condo, and renter policies.  The Application Exercise online will provide a chart to fill in your various coverage limits next to our recommended minimum limits.

After you’ve tailored your desired limits with the help of an independent planner who does not accept commissions or referral fees for the sale of insurance, you can use the Application Exercise to shop your coverage with several carriers.

Click HERE to access the app!


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Friday, March 25, 2011

A Marathon...

If you don't see me updating asktom too much in the next two weeks - it'll be because:

then I'm off to
And then you'd think I'd be heading home - but not quite - I have a quick stop in Orlando Florida on Monday April 11th for IOUG Collaborate and then I go home :)

Monday, March 21, 2011

I can relate...

It is not often a simple picture and caption will make me laugh out loud - but this did. I feel like that some days... Most days now I guess :)

Wednesday, March 16, 2011

Something you don't always see..

Something worth money for free. Check it out - space is limited and will probably go pretty fast. Tanel knows his stuff.

Monday, March 14, 2011

Another Day, Another....

Another day, another day of Real World Performance. We are bringing it East. The first four events where held in Los Angeles, San Diego, Seattle and Phoenix. The next are are in

  • Houston Texas, Wednesday April 20th
  • Atlanta Georgia, Friday April 22nd
Click on the link above to get more information and see some feedback from the first four events. It is a day long event - with early bird registration breaks if you register before March 18th! It'll be $75 off if you register early. That is just $100 for IOUG members and $150 for non-members. Given that you get a delicious box lunch as part of the deal - that's a pretty good price.

This is being done in conjunction with the IOUG - they are organizing the logistics, we are doing the talking. After March 18th, it'll be $175USD for IOUG members and $225USD for non-members.

Friday, March 11, 2011

Very Nice...

Recently I wrote about a Chrome plugin that allowed you to block sites from being returned in google search results.

They have gone a step better - they've made that functionality available to anyone logged into google. With any browser! Very nice.

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"Damn, I'm not riding bitch again."
ayon kay x ika-22 ng Enero, 2003
5 more definitions
Top Definition
Sitting in-between the driver and the passenger in a vehicle or sitting behind the driver on a motorcycle.
ayon kay Mr. Terrence L. Trezvant ika-26 ng Setyembre, 2003
The person forced to sit in the middle of the back seat or in between the two front seats in a two seater in a car. Usually the smallest person or only female in the group will have to ride 'bitch', so that the guys don't touch each other (irrational male homophobia)

Jim: Whos riding bitch? it'd better be Jill- 'cos i ain't sitting next to that stupid fuck Jack again.
ayon kay i don't know who i am!! ika-12 ng Abril, 2007
the passenger (usually female) on the back of a motorcycle.
Do I have to ride bitch again?
ayon kay annissa ika-11 ng Hunyo, 2003
Often in the back seat of a car, Sitting in the middle of 2 other people. It's rally annoying.
I'm not riding bitch again, You.
ayon kay nazi4lifejkjk ika-03 ng Disyembre, 2010
is when your friend calls shot gun and your stuck sitting in the middle like a bitch. there for you are riding bitch because you are the bitch.
Dude i called shot gun, No your riding bitch brother
ayon kay adunka-derp ika-26 ng Hulyo, 2011

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Ang mga sulat are galing sa daily@urbandictionary.com. Kailanma'y hindi kami magpapadala ng spam sa inyo.


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Transit for Livable Communities.

 About Us.Our Work.Take Action.Support Us.For the Media.Resources.
Transit.Walking.BicyclingThoughtful Development.

« Weekly Transportation News | Main | Kudos to Mn/DOT for making bicycling and walking a priority »

HOURCAR Membership Breaks Records!

From Michelle Dibblee, Senior Organizer

Special Note: For Autumn Bike Walk Week, HOURCAR is waiving half of the application fee for new individual HOURCAR accounts (a $25 value) with coupon code BikeWalk10. Visit to apply today! (Member qualifications and safe driving criteria apply. Expires October 15, 2010).

Last week, Megan Hansen, the Member Services Coordinator with HOURCAR car-sharing program, had a conversation with a customer who said he used the money he would have spent on car ownership to pay off his mortgage early and travel extensively. I asked Megan, who is a TLC member, if she could fill me in about HOURCAR and the connection between car-sharing and a multi-modal transportation system.
Megan reported that September broke all previous records for HOURCAR applications and new members—a higher level than when gas was $4 per gallon. “Applications went way up in September – higher than the last couple months and higher than last year, even with similar fall discounts for students and other groups.” This could be a blip, but here’s to hoping that this trend is part of a larger shift in which people are walking, biking, taking transit, and ride-sharing for more of their daily travel.

“HOURCAR works best for people who can take care of most of their transportation needs without a vehicle. But sometimes a car is necessary, and that’s the niche HOURCAR fills for many people. It’s one part of a multi-modal system.”

For Megan, car-sharing and the multi-modal transportation system that TLC supports are so interconnected the relationship is hard to describe. “We all want the same thing – the opportunity to get around without driving all the time, and for some people, to be free of the costs of car ownership.”

For those seeking encouragement on the way to giving up a vehicle, Megan offers the following story from a new HOURCAR member trying to follow in his friends’ footsteps.  Both of them were regularly getting around without a personal vehicle but weren’t ready to give it up entirely.  They joined HOURCAR to find out if car sharing would fill their need for access to a car, and, happily for them and for HOURCAR, were able to take the leap and sell their personal cars.

“I have so much respect for the people who are using HOURCAR to change their lifestyle. It’s not an overnight thing,” she adds, acknowledging that she’s been a commuter and knows the challenge.
Her basic words of wisdom? “Don’t be afraid to try it! There is a choice about how much you drive and there are so many possibilities out there for arranging your life.”

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Thursday, 17 November 2011

Shoe Vanilla

Goody Two-Shoes (cover)
: artist and author unknown, New York, 1888 (text first published London, 1765 as The History of Little Goody Two-Shoes, authorship attributed to Oliver Goldsmith [?]); image by Inductiveload, 22 March 2010

In secondary school I was introduced to poetry by a brave, seemingly not very experienced and very probably badly underpaid instructor named Mr Hlavin. Mr Hlavin was the first person I had ever encountered who knew things about poetry.

My fellow students were unappreciative, disrespectful, uninterested. This was on the West Side of Chicago, where poetry had never been and probably never would be at home.

It was a sophomore English class, normally conducted by a white-robed Dominican priest. Mr Hlavin, in his neat grey suit with white starched collar, came only once a week. He was an outsider; he knew that; we knew that. Making matters even more difficult for him, the sophomores were the most unruly students in the school. The sheepish freshmen had devolved into wolfish sophomores whose conduct was so consistently sophomoric that a special wing of the school had been built specifically to house them, and to quarantine them off from the remainder of the student body.

"The Spelling Lesson"
: illustration in Goody Two-Shoes: artist and author unknown, New York, 1888 (text first published London, 1765 as The History of Little Goody Two-Shoes, authorship attributed to Oliver Goldsmith[?]); image by Inductiveload, 22 March 2010

Mr Hlavin, a tall, evidently underfed not very old man dressed in that neat grey suit, entered the classroom one autumn day and, bravely ignoring the sneers with which he had been greeted, began writing some lines in chalk upon the blackboard:

When I was one and twenty...

Muffled sniggers spread about the room. It was cruel really, to unleash these rude sophomores upon any teacher. But the priests, who employed corporal punishment, vigorously and impressively, to maintain order, had their own very effective methods of control. The few part-time "lay" teachers, however, were not similarly given to employing beatings to enforce a semblance of order in the classrooms, and were thus, by this significant omission, rendered helpless before the merciless moronic sophomore barbarian hordes. (It should probably go without saying that this was an all-male school. We had no idea what went on in the schools girls were sent to. Can things have been this atavistic? We could only dimly wonder... and perhaps, if courageous, or doomed like Mr Hlavin, imagine.)

Ostra Studios, Violin Student, 1930s

A French female violin student wearing high-heel shoes getting spanked with a violin bow by a strict female teacher
: photo by Jacques Biederer, Ostra Studio, Paris, 1930s

Mr Hlavin suffered most.

He had brought wondrous things to put before these hordes. But every time he turned his back to inscribe a poem upon the blackboard, barely-subdued pandemonium broke loose.

When he turned to face the music, relative quiet fell over the room. In later years, when I came into that circle of the underworld in which it was required that I experience such unendurable moments myself, I realised that, for a teacher, confronted by a yawning, dazed barbarian horde, the next breath taken may well depend, not perhaps upon a thing as lovely as tree, or as iconic as a red wheelbarrow, but upon the next word spoken -- no not so much spoken as desperately flung into this gap surrounded by a void beyond the outer ring-road of literacy.

Tom Clark, in his home schoolroom, with John Keats pondering upon one shoulder
: photo by Mark Gould, 2005

Mr Hlavin spoke to us of many things that became incomprehensible even as they left his mouth.

He spoke of "redge-rick", for example. The mysterious term seemed to refer to a category of literature in which poetry was included. But I had no idea, really, what he was talking about. To raise one's hand and politely enquire about the meaning of this term would have been to risk the general scorn of the entire class. Better therefore to wonder on in silence.

It must have been years before the moment of illumination finally came. Mr Hlavin had been talking about Rhetoric. When at last the lightbulb flickered on, I felt chastened, and ashamed. By then Mr Hlavin had gone out of my life forever. I would never have a chance to go to him, confess my terrible ignorance, and beg his forgiveness for being no better than the rest of the lowing herd of sophomoric barbarians.

Vanilla planifolia (flower): photo by H. Zell, 29 April 2009

In one of his poetry classes, Mr Hlavin used another term that, in my terrible state of innocence and endarkenment (not quite as bad as the truly awful "invincible ignorance" which, we were told, inevitably afflicted those poor savages who had no souls, because they dwelt beyond reach of the word of God), equally mystified me. He was, I now surmise, attempting to make a certain poem -- I can't remember which one -- seem a bit less intimidating to us, by explaining that the author had written it in youth. He wanted to let us understand that it was possible for a young person to write poetry that was perhaps of itself not very good, but was, in effect, "good practise", preparing the way for later, better efforts.

Such youthful poetry, he explained, was called "Shoe Vanilla". At least that's what I thought he was saying. The misunderstanding was perhaps only natural. Mr Hlavin had an unusual way of speaking -- educated, that was it. An unfamiliar accent. And then too this world of which I speak was a vanilla world. I imagined a pair of vanilla shoes -- something like white bucks (I had a pair of those, part of my marching band uniform, they were very hard to keep clean, indeed the job of marching on a muddy halftime football field, while simultaneously playing the clarinet, I found nearly as difficult as, and for that matter quite a bit less interesting than, the job of trying to figure out poetry).

"Two Shoes, Ma'am, Two Shoes"
: illustration in Goody Two-Shoes: artist and author unknown, New York, 1888 (text first published London, 1765 as The History of Little Goody Two-Shoes, authorship attributed to Oliver Goldsmith[?]); image by Inductiveload, 22 March 2010

Would you like to see some of my Shoe Vanilla, people?

File:Vanilla planifolia 1.jpg

Vanilla planifolia (flower): photo by U.S. National Park Service; image by Toapel, 23 July 2005 (USNPS)

Well, I must confess my Shoe Vanilla archive, alas, has become, over the years, almost as impoverished as poor Mr Hlavin had looked, back then, in the aforementioned early barbarian days. But there are one or two bits of the stuff still left, breeding around semi-harmlessly like small funguses in the depths of the mildew-forested closets.

Vanilla planifolia (flower): photo by H. Zell, 29 April 2009

I was reminded anew of this by accident, recently, in the course of a Google search. Google searches are often like fishing expeditions in polluted rivers. One is as likely to hook an old shoe or a deflated bicycle tire inner tube as whatever it was one had been looking for.

An old shoe... and then it hit me. An old specimen of Shoe Vanilla.

And at last, after all these one-and-twenty-and-many-more years, I understood that Mr Hlavin, that lovely, earnest, doomed poetry teacher, had been talking about juvenilia.

Vanilla planifolia (flower): photo by H. Zell, 29 April 2009

Drugs are a tuition,
and tuition is teaching,
but in French tuer is to kill,
and so in France drugs are killing

What does it mean to “make a killing”?
It means to make money,
and money is a means
to certain kinds of killing,

as for instance dropping millions of pennies
on someone from a helicopter.
Money can also be used to buy drugs, helicopters,
or to pay for your tuition,

but money, drugs, and killing
are not the sort of pursuits
a person should pursue with his tuition
if he is a student in France or America.

TC: Going to School in France and America, from Airplanes (1966)

Airplanes by Tom Clark (cover by Tom Clark), Once Books, 1966

File:Logo ens lettres sciences.tif

Nouveau logo officiel de l'
cole normale supérieure, Paris: image by Edelagrandiere, 1 September 2010

Nin Andrews said...

I remember teachers like that, and the strange thing is how much, in spite of circumstances, they influenced us.
I had a tennis coach once who was from Australia who was always telling me to put more pear on the ball. Power, I figured out much later.
As to teachers, my son had a teacher, Mrs. Gargoline, who taught the year he went to a Catholic school, a miserable experience for him. Mrs. Gargoline was brought back from retirement, and she insisted the children learn to write. My son liked her but what struck me as peculiar was that many of the parents complained she was overworking their children, robbing them of childhood. They had to write a paragraph a night. This was for 7th grade.

But I didn't intend to write about that so much as to say, shoe vanilla is a beautiful. I love the way you've depicted this experience, figured out what he was saying, and written on this subject.

TC said...

Thanks a lot, Nin. That's really nice. I can feel my redge-rick improving already.

That would certainly have been a mystifying instruction from the Aussie tennis coach. Put TOO much power on the ball, and it will go all pear-shaped.

To write a paragraph a night should be considered an opportunity and a privilege, a pleasure, not a punishment.

After all, paragraphs can be quite short. Like this one.

departuredelayed said...

I have at home a dungish heap of old journals, most written while gripped more by adolescent anxiety than by actual angst. Almost all where filled before my flirtations with academia exhausted my curiosity. Two scoops of shoe vanilla, these -- the journals and diplomas -- the à la mode of my life in language. Embarrassed always; regretful, only rarely.

ACravan said...

I enjoyed this a lot -- the story, the history, the pictures. I've always enjoyed the poem. In a happier and more productive and peaceful way, your story reminded me of an experience I had in art history graduate school when I was taught by a very famous English art historian/museum curator who had relocated to NYC and the Met. He was a vain and very nasty man (a terrible teacher too) with one of those Oxonian accents that was completely inpenetrable and unintelligible. I think a poet sitting in one of his lectures might have been able to free-associate a book a day based on the sounds he made (you couldn't really call them words) and the beautiful images on the screen behind him. He disliked me because I was a "hippie" and failed to appreciate how hard I was trying to understand what he was saying. The only thing I took away from the course was that he once discovered a small Donatello that was being used as an ashtray. This happened while he was attending a cocktail party in London and, of course, smoking. I'm sorry I never saw him after I left the school because I would definitely have approached him and asked him what Anthony Blunt was really like. He would have been a person who knew. Curtis

gamefaced said...

pretty good shoe vanilla there. riddled with commas i'd rip them all out and fiddle the breaks

vazambam said...

This wonderful post really hit home for two reasons 1) I spent most of my adolescent years helping my father shine shoes in his shoeshine parlor in Raymond, Washington (Here’s a piece written some time ago about our main competition) and 2) I also had such a sensitive cultured high school teacher who bore the brunt of many a verbal assault on his person; in fact, he was the only teacher who ever gave me the gift of a book—a first-edition hardback copy of Norman Mailer’s The Naked and the Dead, which I still have, by the way.

Julia said...

I loved it, Tom

How stupid adolescent are when they waste their opportunity with good teachers!
I did it once with a music teacher. But our class had its punishment: he became the dearest teacher for younger years and he formed and conducted many musical groups in our school. So we had what we deserved (and he had it as well)

TC said...

Affecting anecdote indeed. I was much moved. Here is something dedicated to you, by way of roundabout response. (History, that endless round of circles with circles...)

TC said...

Always chastening yet useful to look back into the honest struggling articulations of one's youth. Well, I say that, but not really from experience. My own copious journals of all those forgotten aeons have long since gone with the wind. I mean quite literally, a closet full of writings left at my mother's home were, as I much later learnt, blithely incinerated. Then again, perhaps it's a mercy. The only thing I was sorry not to have been able to return to were five volumes of journals of sundry ragtag travels (hitchhiking, youth hostels & c) about the continents of Europe and Africa in the early to mid 1960s. Those I would like to have kept, but only because the details of all those wanderings are pretty much a blur to me now: vivid details shining out from a vast blurry thicket of memory loss, that fickle final friend.

TC said...

In my next lifetime (yeah, right) I am going to make sure all my Shoe Vanilla goes naked and unpunctuated into the great world... of bacteria, or nematodes, or whatever sphere to which I am relegated.

TC said...

Poor Mr Hlavin was certainly underappreciated by everybody but me, and as I've said I lacked the courage, then, to say so. Peer pressure, that undying monster, won the day.

It's always touching to think (hope!) that underappreciated teachers are later appreciated.

But alas, I fear there are left on this earth far too few latterday incarnations of Mr Chips (the truly dedicated teacher), and almost no student appreciators of anything but that ultimate mirror-mirror-on-the-wall of high school-cafeteria level popularity, Facebook.

TC said...

About Blunt, an engima wrapt inside a mystery, and a still very interesting mystery at that. There are however numerous clues.

The BBC miniseries Cambridge Spies is worth checking out. The Beeb has managed to squeeze two discs out of the story by introducing some useful background stuff -- "special features". The best of the features, a 45-minute History Channel documentary entitled "Spy Web: The Cambridge Spies," is included on the second disc. This piece fills in many of the historical and cultural gaps left by the miniseries (though the documentary itself is not without its flaws: while adding a much-needed serious -- and at times necessarily negative -- perspective on the actions of the Cambridge five, it inexplicably grows oddly melodramatic and swells the evil-sounding string instruments whenever the narrator says words like "communist" and "homosexuals" ...this is both perplexing and stupid at the same time).

Also included is "A Cambridge Spies Historical Scrapbook," a collage of incredible material including BBC news obituary broadcasts of the spies, an appearance from Kim Philby on Soviet television at the age of 75, footage of Anthony Blunt from 1965 taking us through Buckingham Palace on an art appreciation tour (totally absorbing!), and footage of Blunt's testimony in 1979, confessing his transgressions on camera. This material is nothing short of astonishing in its coolness, and though it barely amounts to half an hour of footage total, the collection of old archival material places the whole story in a real-life context so effectively, that without it, this DVD set would be a mere shadow of itself. A small but at some points essential touch, each of the supplementary features (including the previously mentioned History Channel biography) is helpfully subtitled. Nice.

ACravan said...

What has always impressed me (funny word, but you'll know what I mean) about Blunt is how a person could keep that many things in his mind and pursue such varying activities and identities (if that makes any sense). I try to juggle things, but get easily confused. My teacher, by the way, was the late Sir John Pope-Hennessy. He was a very difficult person (not just his weird, impossible locution), but I was lucky to study with him, even if the course mostly amounted to lectures in My Triumphs in Attribution. But he and his brother were very much members of the Burgess/Blunt crowd. As I recall, it was easy to see how the Donatello might have been transformed into an ashtray. I will check out the materials you suggest. Thank you. This is a subject that interests me a lot. Curtis

TC said...

Yes, he was evidently the all-time master of "multi-tasking".

James Fox is also brilliant at playing Blunt in another BBC film "A Question of Attribution", which centers on Blunt's relations with the Queen, who is played wonderfully by the amazing Prunella Scales.

"Redge-rick," "shoe vanilla," and there's Tom in his old classroom with Keats looking over his shoulder -- thanks for this look back into the dark backward and abysm of time. . . .

motionless grey clouds against shadowed
ridge, shape of bird moving in branches
in foreground, sound of wave in channel

which appears for the first
time, object physical

which suggests it refers to,
then again, this time

silver of sunlight reflected in channel,
line of cloud on horizon across from it

TC said...

And thank you... twice.

The second, for the beauteous Cloud/Ridge, just arrived.

Otherwise --

motionless grey clouds

-- here, too, with rain falling from them ...onto the inexorable roaring-and-beeping behemoth road graders, obliviously bulldozing-away out front.

GPWITD said...

Without that irritable reaching after fact, o Tom, keep Shoe Vanilla just as is, accompanied by those sexy photographs. What a lovely turn.

TC said...

Thank very much, Martha.

Whenever I reach irritably after fact and reason, anyway, I'm sure to catch something.

Thank you, good to hear CLOUD / RIDGE has arrived, and thank you (twice again) for your words on back cover. Meanwhile, the clouds of yesterday have gone away (quel surprise), and without them a now gibbous moon is back, ever a bit eastward at first glimpse then moving along to the west. . .

light coming into sky above still black
ridge, white half moon next to branches
in foreground, wave sounding in channel

graphite on paper inscribed
on left, another hand

lies there, something about
it, which at the time

grey white clouds to the left of point,
shadowed green of ridge across channel


text:
Monday, 15 July 2013

Blindman's Buff

Blindman's Buff (detail): Jean-Honoré Fragonard, 1775-80, oil on canvas (National Gallery of Art, Washington)

The mind, which Voluntary doubts molest
Asks but its own permission to be blest.

Samuel Johnson: Lines contributed to Hawkesworth's 'The Rival', 1777

"Mean while the Mind, from pleasure less,
Withdraws into its happiness"

Fragonard's game in a splendid garden, perhaps Johnson's lines an echo of Marvell?

light coming into fog against invisible
ridge, red-tailed hawk calling in right
foreground, no sound of wave in channel

views of slopes, from which
“between perspectives”

disclosure of object, thing
not then itself, what

grey white of fog reflected in channel,
shadowed green pine on tip of sandspit

Wooden Boy said...

One of those perfect circles in thought. Could these lines have been written in any other Century before the 18th?

Blindman's bluff; no bit of rag but the plethora of images to shut our eyes up.

Unknown said...

Such soothing lines

So many blind men pursuing so many bluffs, so many buffs

The sense that what was a very dangerous game has now spun out of control

Is that man in the bathysphere the most powerful individual on earth?

One little buff may have waded in too deeply

But right you are there Wooden Boy, covering my eyes with layers of images, looking away, returning to the soothing blessing of the verse

TC said...

The Johnson couplet is surely a thing to think upon.

Source of the thought may be Romans 14:22.

"Hast thou faith? have it to thyself before God. Happy is he that condemneth not himself in that thing which he alloweth." (King James Version)

This commentary from John Durham Peters: Courting the Abyss: Free Speech and the Liberal Tradition:

"Emancipation from inhibition is a central theme in Milton's Areopagitica that also resounds in later thinking about freedom of expression, with its love of strong-minded assertion without self-consciousness. Samuel Johnson's couplet captures one possible reading of Paul's text:

The mind, which Voluntary doubts molest

Asks but its own permission to be blest.

"Paul makes the conscience the battlefield of liberty. Our minds, and other minds, go around staining the world. Being held responsible for the entire universe was a major burden for the German and British Romantics, who were certainly later inheritors of Paul's problem of the role of consciousness in shaping the universe. 'One wandering thought,' said Shelley, 'Pollutes the day'. [Mutability, l. 10]

"Whatever Paul meant, a long antinomian tradition says, blessed are those whose conscience is not afflicted with self-doubts, who are strong enough to defy their own inhibitions. That impurity or sanctity depends on the input of the beholder is an option Paul opens up to later thinkers...

"It was after all Milton's Satan and not God who said:

The mind is its own place, and of itself

Can make a heav'n of hell or a hell of heav'n.

Paradise Lost I. 254-5

"The problem is that the mind does not always cooperate..."

John Durham Peters: Courting the Abyss: Free Speech and the Liberal Tradition

Robb said...

Taping this to the desk

TC said...

I've had it taped to my forehead (non-stick, though).


text:
Monday, June 12, 2006

I received this notice from Jeffb, friend and fellow member of the Idiot's Delight Digest, referring to last Thursday:

If you get a chance, watch 'ET' tomorrow night. It depends on the editing, but it's likely you'll see me and maybe Sandy and Meira.

One of my students found out tonight, in an elaborate set up by New Line, that she has been chosen to play Tracy in the movie version of "Hairspray"! 'ET' has an exclusive tomorrow night.

Just what Toobworld needed: a couple more Iddiots.

But congratulations to Nikki Blonski for landing the role of Tracy Turnblad, opposite John Travolta as her mom, Edna.

No comments:


text:
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      Kimani Anderson, former FBI informant, aquitted of putting thumb in man's eye

      By Buffy Spencer |

      May 19, 2014, 5:00PM
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      Kimani Anderson found not guilty of fatal Springfield shooting of 16-year-old Tyrel Wheeler

      kimani anderson tyrel wheeler.jpg

      By Buffy Spencer |

      September 12, 2013, 12:40PM
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      Springfield jury will resume deliberations Thursday in Kimani Anderson murder trial

      By Buffy Spencer |

      September 11, 2013, 5:02PM
      SPRINGFIELD - Jurors spent all day Wednesday deliberating in the murder trial of Kimani Anderson but did not reach a verdict before being released at 4 p.m. Deliberations will resume Thursday morning. Anderson, 30, of Springfield, is charged with fatally shooting 16-year-old Tyrel Wheeler on July 7, 2011. Jurors in the trial before Hampden Superior Court Judge C. Jeffrey... Full story »

      Jury is deliberating in Springfield murder trial of Kimani Anderson in the fatal shooting of Tyrell Wheeler

      By Buffy Spencer |

      September 10, 2013, 6:21PM
      The prosecutor in the murder case told jurors in his closing argument, “There is one gun in this case and one shooter and the shooter was Kimani Anderson.”  Full story »

      Kimani Anderson of Springfield on trial for fatal shooting of 16-year-old Tyrel Wheeler

      By Buffy Spencer |

      September 04, 2013, 6:38PM
      Kimani Anderson was arrested in late January 2012, seven months after the shooting of Tyrel Wheeler.  Full story »

      Melvin Jones III to go to trial on drug trafficking charges in Hampden Superior Court

      Melvin Jones mug March 2012.jpg

      By Stephanie Barry |

      July 18, 2012, 7:00PM
      Jones gained local notoriety after being beaten by former police officer Jeffrey Asher during a traffic stop that was caught on videotape. Full story »

      Kimani Anderson denies murder charge for fatal shooting of Tyrel Wheeler in July

      By Buffy Spencer |

      February 01, 2012, 3:30PM
      Anderson also denied three firearms charges. Full story »


text:
New York Times Company

News about New York Times Company, including commentary and archival articles published in The New York Times.

Amazon Chief’s Message to Employees

In an email to all Amazon employees, Jeff Bezos wrote, “The article doesn’t describe the Amazon I know or the caring Amazonians I work with every day.”

August 18, 2015, Tuesday

Why Amazon May Take a Page From Walmart’s Labor Playbook

The perception of Amazon as a difficult place to work could force the online retailer to initiate reforms, as Walmart has done with its own billion-dollar program.

August 18, 2015, Tuesday

New York Times Co. Reports $16 Million Profit

Revenue was slightly lower as print advertising fell, but the decline was offset by growth in digital advertising and cost cuts.

August 7, 2015, Friday

Some New York Times Articles to Appear Free on Starbucks App

Members of the Starbucks loyalty program will be able to read daily and weekend briefings from The Times, as well as other articles recommended by Starbucks, the two companies said.

July 22, 2015, Wednesday

New York Times to Revamp Its Video Unit

The paper will seek new leadership for what it says is a vital part of the newsroom.

July 8, 2015, Wednesday

Disney Has No Comment on the Recent Reversal of Layoffs

Julia Preston tells of the hearing that got her started on her widely read article about Disney laying off 250 people this year. Days after the article appeared, a more recent round of layoffs scheduled by the company was reversed.

June 23, 2015, Tuesday

William D. Smith Dies at 79; Business Reporter Who Joined Oil Industry

Mr. Smith covered the oil industry for The Times before working at Exxon as a public relations specialist during the Exxon Valdez oil spill in 1989.

May 16, 2015, Saturday

Publishers Send Diverse Group of News Articles in Facebook Debut

In the first day of Facebook Instant Articles, readers mostly saw an eclectic mix of articles rather than a clear signal of what is to come.

May 14, 2015, Thursday

Facebook Begins Testing Instant Articles From News Publishers

The social network will host articles directly on its site instead of linking to them, potentially undermining news sites and apps.

May 13, 2015, Wednesday

An Obama Plan to Stop Foreign Hackers Has Mixed Results

The Obama administration’s two-year-old strategy to aggressively fight foreign online espionage has done little to curb the theft of companies’ trade secrets.

May 10, 2015, Sunday
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Safeway Inc.

News about Safeway Inc., including commentary and archival articles published in The New York Times.

Albertsons, Big Grocery Chain, Files for I.P.O.

A public stock listing would be an exit from its years of private ownership under a consortium led by the investment firm Cerberus Capital Management.

July 9, 2015, Thursday

Stores With Pharmacies That Sell Tobacco Products

Readers, including contributors to the 50th Anniversary Surgeon General’s Report, respond to a Business Day article.

March 22, 2014, Saturday

States Urge Retail Giants With Pharmacies to Stop Selling Tobacco Products

More than two dozen attorneys general encouraged five of the country’s largest retailers to follow the example of CVS and stop selling tobacco products in stores that also have pharmacies.

March 17, 2014, Monday

Safeway Customers May Be Big Winners With Cerberus

Cerberus will realize a lot of cost savings by combining Safeway with its Albertsons chain. But competition from the likes of Walmart means cost savings may need to go to shoppers, not investors, writes Robert Cyran in Reuters Breakingviews.

March 7, 2014, Friday

In Safeway Buyout, a Reminder of a Painful Takeover Years Ago

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Cerberus in $9 Billion Deal for the Safeway Grocery Chain

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March 6, 2014, Thursday

Safeway Says It Is Exploring a Sale

Shares of Safeway surged in after-market trading on Wednesday after the supermarket chain disclosed that it was “in discussions concerning a possible transaction involving the sale of the company.”

February 19, 2014, Wednesday

Safeway Puts Up Defense After Hedge Fund Amasses Stake

The $6 billion hedge fund Jana Partners has disclosed a 6.2 percent stake in Safeway and has begun agitating for changes at the grocer.

September 17, 2013, Tuesday

Safeway to Sell Its Operations in Canada

The Canadian retailer Sobeys said on Wednesday that it would pay $5.8 billion in cash for the Canadian operations of Safeway, a move that would make it a leading grocery chain in western Canada.

June 12, 2013, Wednesday

Do You Know What's in Your Food? Really?

Do we really need so many chemicals in our food?

November 20, 2012, Tuesday

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Chronology of Coverage

  1. Aug. 17, 2015

    Two new studies examine the unexpectedly complex interactions that happen when you put a small child on your lap and open a picture book. MORE

  2. Jul. 14, 2015

    Two studies published in journal Scientific Reports find that animals whose brains have been linked together in one neurological network perform better than individuals; results are seen as starting point for less invasive technologies that could allow scientists to combine power of many human brains in solving problems. MORE

  3. Jun. 28, 2015

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  4. Jun. 28, 2015

    Gray Matter column by Prof Gary Marcus examines comparison between human brain and computer; suggests that neuroscientists use analogy not because it is perfect, but it is the most useful available. MORE

  5. Jun. 23, 2015

    Dr Adam Zeman study in journal Cortex examines little-known condition in which people cannot conjure mental images, condition study calls aphantasia. MORE

  6. May. 21, 2015

    John Hopkins University engineers have developed next generation of prosthetic, robotic arms controlled by amputee's brain signals; users report they can feel texture through the arms, known as Modular Prosthetic Limbs. MORE

  7. May. 10, 2015

    Gregory Hickok Gray Matter column describes study he will publish in journal Psychological Science that seems to confirm other studies suggesting that the human brain experiences world in rhythmic pulses or waves rather than as continuous flow; suggests that language should adapt to reflect this emerging consensus, and rather than using image of stream, people should talk of a 'rhythm' of consciousness or thought. MORE

  8. May. 4, 2015

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  9. May. 4, 2015

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  10. Apr. 28, 2015

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  11. Apr. 12, 2015

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  12. Apr. 7, 2015

    Peter De Cupere is among several contemporary artists using scent and its ability to trigger visceral reaction in beholder to create impactful works; researchers say power of scent is tied to close connection between part of brain where smell is processed and part where memories are stored. MORE

  13. Apr. 6, 2015

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  14. Mar. 22, 2015

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  15. Mar. 19, 2015

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  16. Mar. 17, 2015

    Joshua Hartshorne and Laura Germine study in journal Psychological Science challenges commonly held view that different elements of cognition, such as short term memory, peak at specific times during life and that aging brains are generally in state of decline; study and others like it show more nuanced view of brain development, with social intelligence peaking later in life. MORE

  17. Mar. 8, 2015

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  18. Feb. 26, 2015

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  19. Feb. 24, 2015

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  20. Feb. 23, 2015

    A study with premature infants demonstrated that a mother’s voice and heartbeat may help the developing brain grow. MORE

  21. Feb. 22, 2015

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  22. Feb. 10, 2015

    Dr Nicholas B Turke-Browne study in journal Nature Neuroscience concludes that real-time brain monitoring can be used to remind people when their attention wanders from repetitive task and to help them maintain their focus. MORE

  23. Feb. 3, 2015

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  24. Jan. 29, 2015

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  25. Jan. 11, 2015

    Gareth Cook profile of Sebastian Seung, who gave up promising career as neuroscience professor for highly speculative project that sought to map human brain; Seung was widely regarded as having made a mistake until in 2014 he published article in journal Nature demonstrating that brain map was possible through use of artifical intelligence and online game called EyeWire. MORE

  26. Jan. 8, 2015

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  27. Jan. 6, 2015

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  28. Dec. 4, 2014

    University of Texas at Austin issues statement that most a collection of 100 human brains that had seemingly disappeared from one of its research centers were properly disposed of in 2002, in compliance with rules for biological waste. MORE

  29. Nov. 24, 2014

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  30. Nov. 11, 2014

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  31. Nov. 4, 2014

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  32. Nov. 2, 2014

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  33. Nov. 2, 2014

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  34. Oct. 28, 2014

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  35. Oct. 26, 2014

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  36. Oct. 12, 2014

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  37. Oct. 12, 2014

    Gray Matter column by Prof Michael A Graziano contends major change in humans' perspective on consciousness may be necessary, shift from credulous and egocentric viewpoint to skeptical one in which humans do not have inner feelings; describes his work in developing 'attention schema' theory of consciousness, which may explain why computation of subjective awareness is useful and would evolve in any complex brain. MORE

  38. Oct. 6, 2014

    Getting a good grade doesn’t mean you retained the information. In his book, Benedict Carey offers better ways than cramming for you to hold on to knowledge. MORE

  39. Sep. 30, 2014

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  40. Sep. 21, 2014

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  41. Sep. 7, 2014

    Paul A O'Keefe Gray Matter column describes research he published along with Lisa Linnenbrink-Garcia in the Journal of Experimental Psychology, finding that interest and enjoyment greatly improve resistance to fatigue while carrying out a task; argues that study has strong implication both for education and the workplace. MORE

  42. Aug. 22, 2014

    Study in journal Neuron suggests that brains of children with autism may have failed to prune some synapses during development, leaving oversupply of synapses in some parts of brain; finding provides clues to how autism develops from childhood on, and may help explain some symptoms like oversensitivity to noise or social experiences, as well as why many people with autism also have epileptic seizures. MORE

  43. Aug. 12, 2014

    Bioengineers for the first time create functional three-dimensional brain-like tissue, discovery that could eventually be used to study brain disease, injury and treatment; research is published in the journal PNAS, and is the latest example of biomedical engineering being used to make realistic models of organs such as the heart, lungs and liver. MORE

  44. Aug. 12, 2014

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  45. Aug. 10, 2014

    Op-Ed article by Daniel J Levitin, director of Laboratory for Music, Cognition and Expertise at McGill University, underscores importance of vacation; describes how taking extended break from everyday concerns like work is beneficial for the brain. MORE

  46. Aug. 5, 2014

    Study in journal The Proceedings of the National Academy of Sciences concludes that tiny part of brain known as habenula keeps track of painful experiences and helps determine how we will react to them in future. MORE

  47. Aug. 3, 2014

    Gray Matter column by cognitive science Prof Gregory Hickok debunks three myths about the human brain; describes how beliefs that the brain's potential is largely untapped, its left and right hemispheres are fundamentally different and that certain class of brain cells offers key to understanding human mind are all false. MORE

  48. Jul. 28, 2014

    Videos that evoke the tingling sensation of the “autonomous sensory meridian response” are popular on the Web, but scientists are only beginning to understand what might be involved. MORE

  49. Jul. 22, 2014

    Study in journal Science reports discovery of gene, called DAF-2c, that facilitates organism's ability to associate two events that usually occur together. MORE

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Oliver Sacks Dies at 82; Neurologist and Author Explored the Brain’s Quirks

Dr. Sacks explored some of the brain’s strangest pathways in best-selling case histories like “The Man Who Mistook His Wife for a Hat,” achieving a level of renown rare among scientists.

August 31, 2015, Monday

Oliver Sacks, Casting Light on the Interconnectedness of Life

Whether writing about his patients, his love of chemistry or the power of music, Dr. Sacks leapfrogged among disciplines, shedding light on the connections between science and art.

August 31, 2015, Monday

Concussions Can Occur in All Youth Sports

Young brains are particularly susceptible to injury in athletics, accounting for half of all emergency room visits by children aged 8 through 13.

August 24, 2015, Monday

Candy Brain

The pressures of life may change your neurological response to the foods you’re trying to avoid.

August 20, 2015, Thursday
MORE ON THE BRAIN AND: Anxiety and Stress , Brain , Diet and Nutrition , Weight

Bedtime Stories for Young Brains

Two new studies examine the unexpectedly complex interactions that happen when you put a small child on your lap and open a picture book.

August 17, 2015, Monday

Defending the N.F.L. Settlement of a Concussion Suit

A lawyer for the players says the settlement will provide testing and compensation for more than 20,000 retired players.

August 15, 2015, Saturday

Review: ‘Let’s Be Less Stupid,’ a Distracted Meditation on Absent-Mindedness

In her latest work, Patricia Marx sets out to uncover why her brain, clogged with too many bits of information, does not seem to work the way it once did.

August 6, 2015, Thursday

Review: Carl Safina’s ‘Beyond Words’ Doesn’t Mince Any on Animal Abilities

Carl Safina, unafraid to challenge scientific orthodoxy, accepts as a given that animals are capable of thought and emotion.

August 4, 2015, Tuesday

What Emotions Are (and Aren’t)

Most people believe that emotions are distinct, locatable entities inside us — but they’re not. No brain region is dedicated to any single emotion.

August 2, 2015, Sunday

Review: ‘Do No Harm,’ a Neurosurgeon’s Tales

In a complex and evocative memoir, the British neurosurgeon Henry Marsh confronts uncertainty, bureaucracy and his own mistakes.

July 28, 2015, Tuesday

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Federal Communications Commission

News about Federal Communications Commission, including commentary and archival articles published in The New York Times.

Chronology of Coverage

  1. Aug. 21, 2015

    Editorial contends record number of Americans dropping cable and satellite television subscriptions in favor of Internet-based television companies points to need for reinvention on part of providers and regulation on part of government; calls for media companies to make more content available online; urges Congress and Federal Communications Commission to push for regulatory changes that will allow healthy competition with established cable and phone companies. MORE

  2. Jul. 25, 2015

    Federal Communications Commission announces approval of AT&T's $48.5 billion takeover of satellite company DirecTV. MORE

  3. Jul. 17, 2015

    Federal Communications Commission approves rules that will prevent large business from gaming system and gaining access to discounts available to small-businesses in auction of airwaves on which signals for Wi-Fi and radio are carried in 2016; rules are meant to avoid actions like those of Dish Network in 2014, which partnered with smaller entities and received $3.25 billion discount on $13 billion purchase. MORE

  4. Jun. 26, 2015

    Charter Communications defends its proposed takeover of Time Warner Cable and Bright House Networks, trying to differentiate $67.1 billion bid from previous attempt by Comcast that was scuttled by regulators; filing with Federal Communications Commission makes argument that newly-formed company would have no incentive to hurt competition because it does not own any major broadcast or cable outlets. MORE

  5. Jun. 19, 2015

    Federal Communications Commission overcomes Republican opposition to begin exploring subsidizing broadband Internet for poor Americans; plan could eventually introduce sweeping changes to $1.7 billion phone subsidy program. MORE

  6. Jun. 18, 2015

    Federal Communications Commission announces it will fine AT&T Mobility $100 million, accusing firm of misleading millions of wireless customers with unlimited data plans by slowing down their service after they had used a certain amount of data, without informing them; is first time that FCC has accused a company of violating rule requiring consumer disclosure, and is largest fine ever levied by the agency. MORE

  7. Jun. 7, 2015

    Editorial praises proposal by Federal Communications Commission Chairman Tom Wheeler to expand phone subsidy program that will help poor people access high-speed Internet service, even though proposal may be too modest; discounts Republican lawmakers' objections about fraud in program, known as Lifeline. MORE

  8. Jun. 5, 2015

    Premium value of wireless spectrum is at heart of potential deal between Dish Networks and T-Mobile; Dish has bought up significant amount of spectrum at government auctions amid redistribution effort by Federal Communications Commission; deal could disrupt stranglehold on spectrum market held by AT&T and Verizon. MORE

  9. Jun. 3, 2015

    Republicans at Senate subcommittee hearing criticize plan by Federal Communications Commission to expand Lifeline program to subsidize broadband Internet access for poor Americans; do not dispute that program could help poor, but cite financial mismanagement and fraud within current program. MORE

  10. May. 28, 2015

    Federal Communications Commission Chairman Tom Wheeler offers sweeping proposal that would subsidize poor people's access to broadband Internet; plan, likely to set off fierce debate in Congress, would modify $1.7 billion subsidy program that ensures affordable access to advanced telecommunications services, and marks FCC's strongest recognition yet that Internet access is essential to economic well-being. MORE

  11. May. 6, 2015

    AT&T's proposed $48 billion dollar takeover of DirectTV has finally attracted regulatory scrutiny that it avoided while attention was focused on parallel deal between Comcast and Time Warner Cable; Federal Communications Commission is considering appeal by Netflix stating that new company would harm competition and degrade customers' access to its own services; merger could create nation's largest Internet service provider. MORE

  12. Apr. 17, 2015

    Federal Communications Commission officials scramble to convince local television stations across country to sell airwaves, part of multi billion-dollar plan to increase spectrum available to mobile communications; many stations are intrigued by potential windfall, but remain reluctant due to fact that sales will force them to go off air or move to different channels. MORE

  13. Mar. 31, 2015

    Federal Communications Commission, after years of complaints from prison-rights groups and families of prisoners, is investigating prison phone system, which has mostly been unregulated; hundreds of millions of dollars in concession fees help drive phone charges as high as $1.22 per minute, compared with typical commercial rates of 4 cents a minute. MORE

  14. Mar. 17, 2015

    Nine broadcasters request waiver from Federal Communications Commission on longstanding requirement that stations say on air when sponsor or promoter has paid for song or other programming; radio companies want to move disclosures online. MORE

  15. Mar. 13, 2015

    Federal Communications Commission unveils details of how it will regulate broadband Internet providers as public utility; new rules raise uncertainties about broad and subjective regulation that probably foretell lengthy legal challenges. MORE

  16. Feb. 27, 2015

    Federal Communications Commission votes 3-2 along party lines to regulate broadband Internet service as public utility; net neutrality rules are meant to ensure that no content is blocked and that Internet is not split into pay-to-play fast lanes for companies and slow lanes for others. MORE

  17. Feb. 26, 2015

    News Analysis; utility-style rules that Federal Communications Commission is expected to adopt to ensure net neutrality are best fit for current situation in United States, where most households only have one choice for high-speed Internet service; rules are intended to prevent broadband providers from abusing their market power. MORE

  18. Feb. 25, 2015

    Senior Republicans in Congress concede victory to Pres Obama over regulation of Internet service, with Federal Communications Commission expected to approve regulating it like public utility; regulation will prohibit companies from paying for faster lanes on Internet, upholding net neutrality. MORE

  19. Feb. 7, 2015

    Joe Nocera Op-Ed column asserts that Federal Communications Commission Chairman Tom Wheeler is right to reintroduce proposal to reclassify broadband Internet as telecommunication service, idea shot down in 2010; holds that government regulation is necessary in order to maintain net neutrality, and that reclassification is necessary for proper oversight. MORE

  20. Feb. 6, 2015

    Editorial supports Federal Communications Commission decision to reclassify broadband Internet service as telecommunications service, opening way for regulations that ensure fair access to Internet; says move is necessary given growing importance of Internet access to individuals and businesses; rejects industry and Republican arguments that rules will stifle investment and argues that they may instead help innovation flourish. MORE

  21. Feb. 5, 2015

    Federal Communications Commission chairman Tom Wheeler unveils proposal for treating Internet service as public utility, form of regulation that Wheeler describes as best path to net neutrality; proposal includes provision for protection of consumer privacy and ensuring access for all; plan is far bolder and more comprehensive than analysts had expected. MORE

  22. Feb. 3, 2015

    Editorial criticizes Federal Trade Commission auction for wireless frequencies in which Dish Network could receive $3 billion in discounts on winning bids totaling about $13 billion; holds that auction is only the latest to make mockery of rules meant to help small, rural, female- and minority-owned businesses enter wireless business; calls on FCC and Congress to crack down on such abuses. MORE

  23. Feb. 3, 2015

    Federal Communications Commission chairman Tom Wheeler is expected to propose regulating Internet service as telecommunications service, instead of an information service; move to treat service like public utility will almost certainly spark new debate and lobbying about how to guarantee so-called net neutrality. MORE

  24. Feb. 2, 2015

    Tom Wheeler, the F.C.C. chairman, will seek to invalidate state laws that limit community-owned Internet providers from expanding. The proposal focuses on North Carolina and Tennessee, but could affect many other states. MORE

  25. Jan. 30, 2015

    Federal Communications Commission raises $44.9 billion in its airwaves auction, far beyond forecasts. MORE

  26. Jan. 29, 2015

    Editorial opposes proposed bill by Republicans Sen John Thune and Rep Fred Upton that will essentially block Federal Communications Commission's plan to impose rigorous net neutrality rules; calls on Congressional Democrats and Pres Obama to defend FCC regulations. MORE

  27. Jan. 22, 2015

    Hearings in Senate and House examine Republican proposal for so-called net neutrality rules that would regulate Internet instead of regulations that are set to be proposed by Federal Communications Commission in February. MORE

  28. Jan. 20, 2015

    Politics surrounding issue of net neutrality have shifted, with Republicans putting themselves on the side of cable giants; both House and Senate Republicans are assembling legislation ahead of February Federal Communication Commission meeting, hoping to block agency from issuing regulations that would achieve Obama administration's net neutrality goals. MORE

  29. Jan. 18, 2015

    Jeff Sommer Strategies column observes that stock market has defied collective wisdom in its reaction to impending tighter regulations on net neutrality for Internet carriers, with share prices of big cable companies continuing to rise; notes that the market itself seems unsure about impact of Federal Communications Commission's proposed rules for Internet carriers, which will be issued in February. MORE

  30. Jan. 15, 2015

    Pres Obama announces executive actions he will take to expand access to high-speed Internet and to make it cheaper; announcement comes in Cedar Falls, Iowa, where he also calls on Federal Communications Commission to override state laws blocking communities from providing high-speed Internet access; telecommunications industry says Obama's actions amount to circumventing Congress and state lawmakers. MORE

  31. Jan. 14, 2015

    Pres Obama will call on Federal Communications Commission to to overrule state laws restricting competition among Internet service providers and preventing communities from expanding high-speed service into rural areas; changes are crucial to Obama's plan to allow for greater ISP innovation and to bring United States in line with other countries that have faster connections on average. MORE

  32. Jan. 9, 2015

    Editorial supports Federal Communications Commission Chairman Tom Wheeler's endorsement of proposal by Pres Obama that would reclassify broadband service as telecommunications service; holds that reclassification is important to Internet fairness, as it would stop big companies from establishing fast and slow lanes on Web; urges Wheeler to maintain his position and not to bow to industry or Republican pressure. MORE

  33. Jan. 4, 2015

    Editorial urges Federal Communications Commission to reject request by Marriott International and American Hotel and Lodging Assn to allow hotels to disable devices that allow guests to use cellular networks to connect to Internet; argues it is clearly attempt by hotels to compel guests to pay for access to wireless Internet service and will unacceptably limit customer choice. MORE

  34. Jan. 3, 2015

    Federal Communications Commission says its five members are expected to consider proposal from Chairman Tom Wheeler on net neutrality rules in February. MORE

  35. Dec. 18, 2014

    Consumer Financial Protection Bureau sues Sprint in Federal District Court, accusing company of operating billing system that allowed third parties to add unauthorized charges onto mobile phone bills; Federal Communications Commission is conducting similar investigation. MORE

  36. Dec. 12, 2014

    Federal Communications Commission increases financing for high-speed Internet programs for libraries and schools; E-Rate program will grow by $1.5 billion to spending cap of $3.9 billion. MORE

  37. Dec. 8, 2014

    NAACP, National Urban League and Rainbow/PUSH Coalition say Pres Obama's push to regulate Internet access will hurt minority communities, but other civil rights groups back treating Internet access as an essential service; debate is part of major campaign to lobby Federal Communications Commission as it considers net neutrality. MORE

  38. Dec. 1, 2014

    Editorial holds soaring bids in the Federal Communication Commission's auction of wireless frequencies present strong evidence that the telecommunications industry is thriving, despite widespread complaints about regulation; calls on government to continue its regulatory push and to act decisively to ensure that the spectrum is used efficiently. MORE

  39. Nov. 24, 2014

    Federal Communications Commission auction of airwaves for use in mobile broadband becomes biggest auction in agency's history, reaching more than $34 billion and far surpassing presale expectations; auction is signal that wireless companies expect demand for Internet access by smartphones to continue to soar. MORE

  40. Nov. 23, 2014

    Editorial supports proposal from Federal Communications Commission head Tom Wheeler that would implement modest tax on phone lines in order to fund upgraded, faster Internet connections for nation's schools and libraries; says average investment of about 48 cents per month per American household is well worth the benefit. MORE

  41. Nov. 17, 2014

    Federal Communications Chairman Tom Wheeler is expected to propose raising annual spending on high-speed Internet connections for schools and libraries by 62 percent, or $1.5 billion, to $3.9 billion. MORE

  42. Nov. 15, 2014

    Editorial contends Pres Obama's proposal to reclassify broadband Internet service as telecommunications service corrects classification error made by Federal Communications Commission in 2002; holds many assumptions held by FCC have proven false, and argues new proposal envisions Internet where service providers handle all content sent and received by consumers equally; urges FCC to heed Obama's request. MORE

  43. Nov. 15, 2014

    Joe Nocera Op-Ed column laments difficulty government is facing in achieving deal on net neutrality, despite fact that most consumers, Internet companies and service providers support it; submits root of issue lies in debate over what parts of 1996 Telecommunications Act should be used to regulate Internet providers; suggests that allowing Federal Communications Commission to write new rules may be best option. MORE

  44. Nov. 13, 2014

    Challenge facing Tom Wheeler, chairman of Federal Communications Commission, to shape rules for open Internet only grew after Pres Obama spoke out on issue; people who have met with Wheeler since those comments say he has been defensive and angry that he might be seen as political pawn instead of head of an independent agency. MORE

  45. Nov. 12, 2014

    Eduardo Porter Economic Scene column observes after Pres Obama urged Federal Communications Commission to set tougher net neutrality rules, questions loom about decreased competition and cost of monitoring; contends that in absence of more broadband competition, monitoring is needed by regulators, but it should be performed at least possible cost. MORE

  46. Nov. 12, 2014

    Pres Obama's call for net neutrality sets up fight over Federal Communications Commission rules; everyone agrees that some rules written to regulate telephone service should not apply to the Internet but there are disagreements about what rules should survive. MORE

  47. Nov. 11, 2014

    Pres Obama, in his most direct effort yet to influence debate about Internet's future, says free and open Internet is as critical to Americans' lives as electricity and telephone service; says Federal Communications Commission needs to adopt strictest rules possible to prevent broadband companies from blocking or intentionally slowing down legal content and from allowing content providers to pay for fast lane to reach customers. MORE

  48. Nov. 9, 2014

    Jeff Sommer Strategies column observes unusual share price activity at Comcast and Time Warner Cable ahead of expected $45 billion all-stock merger; notes that widening price gap reflects investor concerns as regulators examine the merger, including whether the Federal Communications Commission will act to ensure net neutrality. MORE

  49. Nov. 9, 2014

    Editorial contends problems facing Federal Communications Commission over how to regulate Internet are result of its classifying cable and phone-based broadband as information services, rather than telecommunications services; expresses support for hybrid approach that would regulate high-speed Internet service in two parts, but warns that such an approach could be promising only if done right. MORE

There are no additional abstracts to display.

Preparing for Life After Cable

Congress and the FCC can help consumers have more broadband options as they choose online services over cable TV.

August 21, 2015, Friday

A Steady Percentage of Americans Still Do Not Go Online, Study Says

Fifteen percent of Americans do not use the Internet — essentially the same portion of the population that did not go online in 2013 — according to a new Pew Research Center study.

July 28, 2015, Tuesday

F.C.C. Approves AT&T-DirecTV Deal

The $48.5 billion deal will create the nation’s largest television distributor.

July 25, 2015, Saturday

The AT&T-DirecTV Merger and the Problem With the Telecoms Industry

The F.C.C.’s conditions on the merger are a good start, but they won’t resolve the industry’s lack of competition.

July 24, 2015, Friday

Morning Agenda: AT&T Gets Green Light

4 Arrests Said To Be Tied to JPMorgan Breach | CIT-OneWest Merger Approved | Losing Track of Shares

July 22, 2015, Wednesday

AT&T’s Bid for DirecTV Advances With Conditional Approval Order by F.C.C. Chief

The proposed approval order outlines conditions that would benefit consumers by increasing competition in the broadband market.

July 22, 2015, Wednesday

F.C.C. Votes to Limit Discounts in Airwaves Auction

The Federal Communications Commission rewrote rules on small-business discounts for a coming auction, partly in response to actions by Dish Network.

July 17, 2015, Friday

Charter Makes Its Case for 2 Mergers, Telling F.C.C. It’s No Comcast

Charter wants to buy Time Warner Cable and Bright House. In an F.C.C. filing, it outlined why its ownership would be beneficial, all the while dissociating itself from Comcast’s failed takeover.

June 26, 2015, Friday

F.C.C. Chairman Sees No Need to Set Aside More Airwaves for Smaller Cell Carriers

Tom Wheeler, head of the Federal Communications Commission, says the agency is already doing enough to increase competition among wireless companies.

June 26, 2015, Friday

F.C.C. Will Continue Plan to Subsidize Broadband for the Poor

The Federal Communications Commission, in a 3 to 2 vote, approved a plan to explore helping lower-income Americans pay for high-speed Internet access.

June 19, 2015, Friday

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