Archive for December, 2011
Insurance for the small business
Although the latest employment statistics show a drop in the number of people claiming benefit, there’s little real improvement in the availability of work. It’s still tough to find and keep a job. Curiously, both the GOP and the Democrats see the need to encourage small business, believing new entrepreneurs will lead us out of the recession. The problem with this view is we are less entrepreneurial than we used to be. Many other countries have a higher percentage of people prepared to risk their capital in starting new businesses. The majority of our younger adults are just sitting back waiting for jobs to come along. That said, the Government is encouraging small business with tax breaks. All of which brings us to the Affordable Care Act.
Ignoring the usual politics and second-guessing what the Supreme Court will rule in 2012, let’s focus on what will happen between now and 2014 when the whole Act’s program is supposed to be in force. If you are a one-person business, you will be caught by the mandate just like any other individual. That means you buy cover or pay a penalty. For the record, the penalty is $695 or 2.5% of your income whichever is the greater unless the actual cost of the premium will be more than 8% of your income. You do the math to weigh up where you interests lie.
There’s no mandate for businesses, but there are penalties for failing to put a plan in place. If you have up to 25 employees, there’s a tax break to set off against half the cost of group cover. But you only get the maximum benefit if you are really small, i.e. you do not have the equivalent of 10 full-time employees and the average of their pay is less than $25,000. Your right to the tax break reduces as your size and the average pay increases. If you are small but your employees earn an average of $50,000 or more you lose the tax credit. In 2014 every state should have a Small Business Exchange in operation and, if you decide to buy through your local exchange, the tax credit will increase. However, these tax credits are only to prime the pump. Once you have a plan for your business, the credit will phase out over five years and only for two years after the exchanges are running.
The penalties can be quite significant and you cannot avoid them simply by buying really cheap health insurance. Whatever group plan you buy has to offer a minimum set of benefits. If this persuades you to spend too much you could get caught by an “affordability” test. The premium rate charged to an employee cannot exceed 9.5% of the family’s income. So when you are looking for group health plans for your employees or reviewing the current plan, remember the tax breaks now available and, more importantly, remember how the penalties will be calculated come 2014. Indeed, if you run a small business, you could find it beneficial to talk through all these issues with your accountant and health insurance agent. If the Affordable Care Act survives the Supreme Court challenge, you will have to deal with the threat of penalties.
What’s the best food?
To get ourselves started, let’s start with a simple reassurance: there are some excellent drugs on the market that will treat even the most serious outbreak of heartburn. They are called proton pump inhibitors and they work by reducing the amount of stomach acid your body produces. The good news is there’s less acid to leak out of your stomach and cause the pain. The bad news is that, with less acid in your stomach, it takes longer to process the food. So put the drugs to one side for a moment and think about the problem. When food passes into the mouth and, after chewing, falls down towards the stomach, your body gets ready to break the food down into its chemical ingredients. The good stuff gets syphoned into the blood stream and sent off to where its going to do the most good. All the rest gets expelled from the body. The $64,000 question is how the stomach does the processing. It all starts with the acid, but mixed into it are a series of different enzymes to help break down the different types of food. Your body is a very clever machine and, left to its own devices, it produces just enough acid and enzymes to clear the stomach quickly.
If your body “likes” the food, it sends a pleasure message to the brain. This encourages you to remember what the body likes and to eat or drink more of it. Unfortunately, the body likes the food that puts on the unwanted pounds. That’s why you get a buzz when you eat or drink something sweet or savory. When food with a high-fat content arrives in the stomach, you feel good and the body orders more stomach acid to break it down. If there was only a small amount of food, it would quickly fall down the esophagus and the extra acid would stay in the stomach. But if you are eating a lot, the sphincter separating the esophagus from the stomach is kept open to keep the food on the move. The food pushes the acid out of the stomach. Worse, if you don’t sit up straight, the acid can also run into the esophagus. Either way, that burning pain starts. Lying down immediately after a big meal is asking for pain.
So eat less and avoid food with a high-fat content. Indeed, all processed food is potentially bad news. Read through all the diet advice from reliable sources like the Mayo Clinic. It’s actually very simple. Keep with lean meat like chicken and turkey. Fish is equally good. Add plenty of vegetables and fresh fruit. Whole grains and low-fat diary products complete the package. It’s even better if you do a little exercise. You will feel better in yourself and your stomach’s performance will improve. Heartburn will be a forgotten problem without you having to buy and rely on Nexium. This is not to deny the excellence of the drug. It’s consistently been shown the best of the proton pump inhibitors. But, no matter how good Nexium, it’s always better to solve a medical problem the natural way – particularly if it also saves the cost of having to buy the drugs.
Acupuncture and Hakomi: Hakomipuncture
HAKOMIPUNCTURE: A Therapeutic Method
“The thought manifests as the word;
The word manifests as the deed;
The deed develops into habit;
And the habit into character.
So, watch the thought and its ways with care
And let it spring from love Born out of concern for all Beings
As the shadow follows the body, As we think, so we become.”
–The Buddha, from the Dhammapada
A synapse fires in your body. Electricity leaps through the space between the nerves & lands on the other side. Your body screams, “DANGER! NOT SAFE!!” Immediately, a biochemical waterfall floods your tissues. Adrenal glands pump feverishly atop your kidneys, tensing your lower back. With dilated pupils, your fists and forearms prepare for battle while your leg muscles drop into sprint readiness. This is the picture of Fear.
In the past, people experienced danger at the sight of a predator’s jaws. Nowadays, a letter from the IRS might activate the nervous system into similar high alert. After enough times, this nervous system activation becomes entrenched. In the mind, a core belief is formed: “The world is unsafe.” In the body, hyper-vigilance becomes the norm. Soon, this loop of synaptic firing and muscle tension becomes a lifestyle. Some obvious examples of fear underlying repetitive nervous system stress are war and unprocessed physical or sexual abuse. Yet, habitual patterns of the nervous system happen to all of us. Sometimes it’s a dramatic event that creates a “stuck” nervous system, sometimes it’s a subtle accumulation of day to day stress. We all get stuck in ruts.
There is a saying, “The fish are the last to discover water.” We swim in the habit patterns of our unconscious mind, unaware of the water we move through, unaware that there may be a cleaner, clearer pond just downstream. A child is a sponge, soaking up the ways of the world she is exposed to. The first 5-7 years of life set the stage for our worldview, the core beliefs that guide our attitude and engagement with the world.
Life issues fall into 5 major categories and, on any given day and at any given moment, we can find ourselves somewhere between the poles illustrated below. Every situation elicits a different response, but we occupy certain subspaces more frequently. This subspace is a core belief guiding your action and interactions.
LIFE ISSUES
SAFETY: Connected (sense of belonging, familiarity, security) Isolated (alienation, feeling threatened, insecure)
DEPENDENCY: In Exchange (supported, cared for, in bodily contact) Deprived (lacking care, alone, undernourished)
FREEDOM: Free (spontaneous, creative, basically good) Determined by Others (trapped, no spontaneity, stuck)
TRUTH: Real (true, vulnerable, authentic, faults are OK)Unreal (no weakness, untrue, invulnerable, untouchable)
WORTH: Being (good enough, centered, inner peace) Doing (not good enough, ready to act, restless, strained)
[Chart by Halko Weiss, Hakomi Institute]
As mentioned before, thinking and body are interrelated. Take a look around. Some people slouch while others stand upright. Some radiate peace while anger seethes out of the furrowed brows of others. The body reflects where an individual is on the life issue polarity illustrated above. “As we think, so we become.” Finding yourself in the column on the left more frequently is to reside more fully in grounded happiness. Hakomi + Acupuncture is a very effective combination of therapies to bring the body, mind, and spirit into this kind of harmony.
Hakomi is a body-centered therapy, rooted in the understanding that the body is the gateway to the core beliefs of the unconscious mind. Once conscious, these beliefs can be re-evaluated, and where appropriate, powerfully transformed. New dimensions of awareness can be integrated, helping the individual to build a more satisfying and effective life. Hakomi integrates the mindfulness and non-violence found in Eastern traditions with a unique Western psychological methodology.
Eastern traditions and modern physics understand that everything is energy. Physicists call it photons. Indians call it prana. Chinese call it Qi. Energy and matter are interrelated phenomenon. Matter is just energy moving at different speeds. Thoughts are Qi. Emotions are Qi. Qi flows through the muscles and organs keeping them alive and supple. As discussed before, core beliefs are simply repetitive thoughts (Qi) an individual gets “stuck” in and becomes reflected in the body (Qi in the form of matter).
Acupuncture is a therapy that adjusts the body’s energy, or Qi. One way of understanding acupuncture is through analogy to an electrical grid. Imagine that the midline of the body and internal organs are power stations. Electricity is generated in the power stations and distributed via power lines (meridians) throughout the city centers (head, neck, torso, abdomen, and pelvis) and into the outlying countryside (arms and legs). In Traditional Chinese Medicine (TCM), this electricity is called Qi. There are 14 major pathways (called meridians) that Qi travels along.
Sometimes energy is blocked and sometimes it is insufficient. Both may be happening in different parts of the body at the same time. Energy blockages and deficiency are found through diagnostic tools like examining the tongue, palpating the pulse and meridians, face reading, and verbal inquiry into signs, symptoms, emotions, and challenges of the spirit. Acupuncture points are areas along the path where the flow of energy can be altered for therapeutic effect. They are like light switches that “turn on” the body’s natural healing systems.
From the Chinese holistic perspective, how we think and feel is not just a brain thing. Styles of thinking and emotions are not confined to the head, but originate from the harmonious flow of Qi through the internal organs and their meridians (the associated pathways through the body). Chinese medicine envisions the human being in health as a being who embodies virtue. Qualities of wisdom, propriety, benevolence, integrity, and self-worth are the natural state when the energy of Water, Fire, Wood, Metal, and Earth are in balance. As these elemental energies fall out of balance, virtues erode, habitual behaviors arise, and suffering ensues. It is the role of the Chinese Medicine doctor to help rebalance the elements through acupuncture, herbs, food and lifestyle guidance.
Both Hakomi and acupuncture offer unique insights into the interrelationship between habit patterns of mind and body. Together, they offer physical and emotional relief, greater awareness, and the freedom to do something new in the face of the habitual. Habitual patterns may involve relationships, sex, work, spiritual practice, addictions, body image, and life purpose. My specialty is depression, anxiety, sexual abuse trauma, and addiction.
Let’s examine the use of Hakomipuncture, the combination of acupuncture and Hakomi, through a case study. Sean is a male in his mid thirties who comes to the clinic complaining of irritable bowel syndrome and a tendency to depression. His handshake is tense, tendony, and urgent. He is gaunt, fidgety, with quick angular movements. Frustrated and with little hope that this treatment will be of benefit, he lists off his symptoms. Bowels tend to be frequent (4-5x day especially in the morning), loose and burning. Sensitive to spicy foods, coffee, and alcohol, he still likes to douse his meals with chili paste. His every other sentence trails off and begins with “…I don’t know…” While he is a good student, Sean feels dissatisfied with engineering, his chosen field of study. He feels a lot of pressure from his family to enter into engineering, a safe economically sound choice in this economy. He often wakes before the alarm with a racing mind, spinning through “to-do” lists he creates for himself. He feels “under the gun” all the time. His pulse is wiry, like a guitar string, indicating an overactive nervous system. His digestive pulse and Heart pulse is suppressed, only able to be found at the deepest level. His breathing is confined to his chest. His abdomen moves only slightly with inhalation. Upon palpation, his diaphragm is tight. His tongue is slightly purple with cracks in the center of the tongue. He wants the treatment to stop the bowel frequency and reduce his stress level.
A brief look into Sean’s family history reveals achievement oriented, overbearing parenting. In response, Sean learned to suppress his natural, unique self-actualizing urges throughout childhood in order to please and gain love from his parents. In the Hakomi chart above, Sean’s themes center around Freedom and Worth. In the Chinese medicine chart above, Sean is a Wood constitutional type, exhibiting both excess and deficient habitual behaviors. Wood energy rises. It plays a large role in asserting individuality, overcoming adversity and making life goals. Wood is associated with the Liver and Gallbladder, the regulator of digestion, strategic life planning, and the emotion of anger. Sean’s creative energy was buried under a habit of conformity and pleasing others. Like a high volume of gas in a tightly confined space, Sean’s constricted Liver energy created pressure that interfered with his digestion’s ability to assimilate food and the experiences of life. Instead, food and life experience was swallowed rapidly and excreted with equal haste. The resulting symptoms were hidden resentment, timidity, indecisiveness, and poor dietary choices.
An atmosphere of spaciousness and respect was the missing experience that Sean needed. Sean was encouraged to relax into the table, turn his attention inwards, and become mindful of anything happening in mind and body. A Hakomi verbal experiment was offered slowly and repeated three times, “You don’t have to do anything to be loved.” First, the words induced a fluttery heart panic within Sean. He felt as though he had to hold his breath and brace himself. After the second and third time, he felt a mixture of sadness and confusion as well as a knotted up feeling in his solar plexus. Each thing was taken in turn. He found the sadness manifested in a tight chest. I asked Sean to stay with that sensation of the chest. In came a deep realization of years spent racing around “doing” rather than enjoying the process of whatever he was doing. The confusion was looked at next. It manifested as a “fuzzy” headedness, cloudy thinking, and that knot in his solar plexus. I asked Sean to stay with that sensation in the solar plexus. The two acupuncture points, Gall Bladder-34 and Stomach-36 were inserted. Both points affect the digestive organs and the nervous system. Gall Bladder-34 was chosen to relax the urgency in the nervous system as well as strengthen confidence and decision-making. Stomach-36 strengthens the digestive capacity. The solar plexus responded by loosening and the “fuzzy” headedness also cleared. In this space, another verbal probe was offered, “You can do it your way.” Sean’s whole nervous system relaxed. He took a huge breath and tears streamed from his eyes. It was the missing nourishment he had unknowingly been longing to hear. In the ensuing weeks of treatments, Sean found the treatments a sanctuary where his dormant powers of self-actualization strengthened and he gained greater clarity on what he wanted to study and become. Three important shifts happened: (1) His dietary choices and habits became wiser for his constitution (2) His digestion relaxed, bowel movements reduced to 2-3 times a day, and more efficient food assimilation led to more energy and “groundedness” (3) He found a more calm, thoughtful, and self-referential quality in his daily life.
The therapeutic approach of combing Hakomi and Acupuncture is transformative. Physical and emotional relief, awareness and insight, and freedom from habit patterns can result from a course of therapy. A course of treatment is determined based on severity and duration of symptoms as well as the client’s personal goals for their well-being. Loving presence, mindfulness, and a deep sense of safety and connection are central to my personal philosophy. Together, we can rest in the grounded happiness that is your birthright.
Thanks to all my teachers of Hakomi, TCM, and Buddhism. I am forever grateful.
