The Early Days of Retirement | Decompressing & Getting Fit

 Since my retirement from 40+ years in Casualty Claims in the insurance industry, I’ve been spending this summer decompressing and working to improve my wellness.

Handling multi million dollar claims in today’s litigation environment is extremely stressful because of the runaway tort system that allows juries to award plaintiffs lottery compensation for unfortunate accidents,  simple negligence or no negligence against a commercial entity or wealthy defendant. Trying to predict outcomes without a crystal ball or a OUIJA board became impossible. Even reasonable settlements approved by leadership  resulted in second, third or fourth guessing. Not to mention surviving-  much less navigating the postmortem of a nuclear verdict, which is loosely defined as a verdict of $10 Million or more.

Consequently, it has taken me 2 1/2 months to destress to the point where I can generally sleep through the night. I’ve been getting up earlier to play June Cleever,   brew coffee and pack a healthy lunch for my still working spousal unit who is transforming before my eyes on a GLP-1. No pearls at 5:30am🤣

After leisurely perusing WSJ, NYT, The Free Press, the Daily Mail and Pravda aka Washington Post, I’ve been heading to the local wellness center four to five mornings during the week for aquatic classes followed by yoga, barre or Pilates. Physically, I am recovering from my post Covid sedentary existence.  Covid caused my yoga and Pilates studios to close. I lack the discipline to workout regularly on my own.

At. 66, I feel better than I have in years. I’ve been building muscle, losing ‘softness’ and increased my cardiovascular function. 

I’ve made the conscious decision to put off any thought as to where to go from here until 2026. I’m still navigating my new found freedom and how my new financial reality will affect choices.

Above all, I feel happy, at peace and content. Now, I think I will wander out to the deck, stare at the pond and feed the koi. 🐟

Another $100 Million Dollar Verdict & Why I Retired From Casualty Claims

 

https://www.miamiherald.com/news/politics-government/state-politics/article310865835.html

May 9, 2025 was my final day as an Executive Claim Director handling complex commercial liability litigation for Chubb Ltd. I’d been in the business from prehistoric times and 23 1/2 years with Chubb. I enjoyed complex coverage analysis; however, I endured my final years managing catastrophic injury claims in three of the most challenging states for civil litigation in the country: Florida, Georgia and Texas.

Other than writing coverage position letters, at which I excelled, the best part of my job involved negotiating settlements either directly with plaintiff attorneys with whom I’d develop a rapport or with the assistance of a mediator if there were complicated issues or multiple parties. For most of my career, the plaintiffs bar and claims professionals maintained collegial relationships and collaborated to reach reasonable resolutions for damaged parties  based upon liability and quantifiable damages. Only about 2% of lawsuits filed proceeded to trial.

In the past ten years, however, what was once a collaborative, albeit occasionally contentious process,  morphed into a toxic system by which plaintiff attorneys employed strategies of questionable ethics to vilify commercial defendants, anger jurors, and demand mind numbing verdicts or settlements completely out of proportion to actual damages. Elected judges, with campaign contributions coming from plaintiff attorneys, issue rulings based on ‘feelings’ rather than the law. A $100 Million verdict for the wrongful death of one person is no longer considered outrageous.

The stress of attempting to evaluate potential financial exposures based upon facts and probability became too overwhelming. Plaintiffs want a chance to win the lawsuit lottery. Plaintiff attorneys want ridiculous verdicts to post on their websites and billboards. Of note, few of these verdicts withstand the appeals process. Judges refuse to dismiss spurious suits. Juries have been brainwashed into hating corporations that make products, rent apartments to people, transport goods to Walmart, Costco or Publix. They fail to realize that such verdicts cause the costs of goods, services and rent to increase. 😱

For the case at hand, an apartment owner, property manager and security company allegedly failed to provide reasonable security to prevent the shooting death of a non-tenant inside a tenant’s apartment. The tenant opened the door and allowed the perpetrator into her apartment. The shooter was found only 7% at fault. The jury awarded $100,000,000. I’m sorry, no individual life should justify $100,000,000 unless the loss of future income of a multimillionaire or billionaire is such an amount. 

This is why I quit. Just reading about this online gives me stress. 

https://www.insurancejournal.com/app/uploads/2025/07/Campbell-jury-form.pdf

https://www.insurancejournal.com/app/uploads/2025/07/Campbell-complaint.pdf

The American Dream 100 Years Ago- My Paternal Grandparents

 

This is a picture of my paternal grandfather, French Lawrence Copeland and his bride,Blanche Vivian Noon Copeland in the mid 1920s. They loved and lived in Posey County, Indiana at a time when the improvements of the 20th Century had not expanded to their rural community. Yes, one can tell by the photograph that this was a couple in love ready to take on the world.

Yet, as life often does, life interfered. My grandmother died just after childbirth at the age of 28 leaving a grieving husband and 3/confused young children, including my 4 year old father.

There was no ‘safety net’ of state or federal dollars to supplement it n come or pay for supplemental nutrition assistance. But, my family did not starve or claim they deserved to be supported by the state or federal government. Instead, family and community came  together.

During the dust bowl, relatives from Canada and across the USA descended on my grandfather’s farm to seek refuge. 

Despite his grief, his efforts to maintain the farm, his family and tach school, he welcomed the extended family. They lived in the smoke house, the chicken house, the wash house and the barn. And guess what? They never demanded that the federal government owed them anything. They understood the concept of  self reliance and support of family. 

That was the best of America. 

Americans Are Not Racist or Heartless/ Ignore the Media

 This is me, Vivian Harrington, in Tay Ninh, South Vietnam, the week Bill Clinton was first elected President of the USA. At the time, I was living in Hong Kong as an American expatriate. As an aside, Americans living outside the USA tend to wear their patriotism proudly.

In retrospect, despite his sexual peccadillos and likely criminal activity, Bill Clinton was a decent president. In any event, despite political differences, few overseas Americans denigrated Clinton. He was, after all, our commander in chief.

During my 5 1/2 years as an expat in Asia, I learned to appreciate the freedoms and blessings of the land of my birth, the home of the free, the place where the Constitution preserved certain inalienable rights. 

I experienced martial law, treason for supporting an outlawed political party, the prohibition of importing goods that originated in certain countries or under particular regimes. Protectionism caused the price of frozen turkeys to escalate to support local chicken farmers. Embargoes limited imports. We checked expiration dates, boiled rice and pasta to skim the insects off the top and kept flour in the freezer to keep bugs from hatching.

We boiled water for drinking and brushing our teeth, rinsed the night soil off of produce with chlorine and drank beer at restaurants because water wasn’t  safe. We tested the beer with wooden chopsticks to determine if formaldehyde poisoned the brew.

But, the experience overall was golden. The photo above shows me with a group of Vietnamese children who welcomed me, embraced me, led up the path of Black Lady Mountain, told me which beggars to support, brought me to a Buddhist nun at the top of the climb, shared the joy of childhood in a place that had been overlooked for decades, and reminded me of the universal need to connect with others.

This is what makes America great, our openness, our generosity, our belief in the goodness of humankind. 

We are not the evildoers that the left projects. We believe in truth, justice, fairness, equality and the ability to overcome challenges with strength of spirit.

We do not believe in equal outcomes. We believe in equal opportunity. We believe that those who work hard deserve to enjoy the fruits of their labors. And, most of us have no envy or jealousy towards those who succeed. Instead, we wish we had the creativity to market a pet rock, or Cabbage Patch Dolls, or personal computers or electric cars or used books from a garage that became Amazon. That is the American spirit.

God Bless the USA.

Celebrate Independence Day — Accept That Americans are Generous People

 

A couple of weeks ago I met my friend and mentor, Dana Rose, for tea at the Willard Hotel in Washington, DC. We were celebrating my retirement from Chubb Ltd. Dana had hired me in February 2002. I accepted the job at Chubb because of Dana. I’ve told everyone at Chubb that I joined the company because of my respect for Dana. We celebrated the fact that over 231/2 years, we maintained our mutual admiration, appreciation, respect, and friendship from the first day to the last day. 

Dana represented and continues to represent the best of the best of corporate America. She brought me into a company that changed, not necessarily for the better over 23 1/2 years. But, I stayed for the people. Dana Rose. Marsha Reid-Clarke, Paul  Berardinelli, my friend Dave Wilson, and those who mentored me, supported me, let me vent, gave me agency, and let me be the consummate professional I knew I could be.

Yes, I’ve retired effective May 9th; but I will always treasure those who gave me the wings to fly. Thank you!

A Return To Common Sense- Celebrate Riley Gaines! UPA Capitulates

 In today’s modern world, few young women have the  guts and wherewithal to fight city hall over heinous disregard of human rights. But Riley Gaines has become the face of enforcing Title IX in women’s sports at public universities.

Finally, the University of Pennsylvania has capitulated to the pressure from the federal government to admit that biological males should not be able to compete in women’s sports. UPA is apologizing to women on the swim team who lost opportunities when the school decided that trans athletes such as Lia Thomas, an unsuccessful male swimmer, should be welcomed on the women’s swim team. This essentially removed talented women from competition in the effort to promote woke ideology. 

 Biology is a real factor in strength and endurance. Notwithstanding the fact that I believe any human can live their lives as they see fit, biological males have an unfair advantage physically versus biological women. Gender may be fluid. Sex is not.

Riley Gaines stood up to the progressives who cannot conceive any truth but their own skewed ideology. Riley is a 21st century heroine for women. 

I came of age during the early years of the women’s rights movement. 50 years ago a woman could not get a home mortgage, a car loan or a credit card without a man co-signer.  As a young woman, I was a quota hire at my first adult job. It really annoyed me. I wanted to be the best, not a token.

It is disappointing to me that here we are, 50 years later, still trying to defend the rights of young women on college campuses. Where is the outrage? 

Who would have suspected that Donald Trump would be the savior of feminism? But, it turns out that he is the supporter of the marginalized in  America. Women. People of color. Jews. Working class. Just…wow!

A Solution To Part of the Illegal Immigration Problem—Hong Kong Before PRC

Congress has abrogated its job for decades. While the questions involving illegal immigration are divisive, attacking ICE for doing its job, declaring sanctuary cities or states, conspiring to evade law enforcement, and holding rallies or protests that involve paid rioters will not solve the problem. 

Coming to the USA illegally, without proper documentation or staying beyond the expiration of a visa is unacceptable. Leftist elites argue that illegal aliens are necessary to pick crops, work in hospitality or meatpacking or as domestics because Americans won’t do the work. That is just ‘malarkey’ as the prior president would say. Actually, paying illegals less than the market wage is exploitation. And, the current status allows for trafficking, drug smuggling, criminal activity, and a drain on resources.

Jacklyn, the lovely Filipina who worked for me in Hong Kong, was employed through an agency that recruited people to work in Hong Kong pursuant to a work visa and a contract required by law.

The employer agreed to pay a minimum specified monthly wage and provide housing. Although I did not require her services full time, I signed the contract which gave her legal residency for the contract period, paid the full required wage for a 6 day work week, provided housing, and gave her the opportunity to do some part time work to pick  up extra money. 

Enacting such a process in the USA would reduce the exploitation, ensure payment of fair wages,  verify that all contract workers are documented in the immigration system, afford a legal means to get a driving license and a green card, and provide a path to citizenship for those who comply with the terms and conditions of the contract and have no felony arrests over a 10 year period. 

It is time to look at bold new ideas.  It, if they don’t have a contract, there should be deportation without due process. 

 

We Have A Moral & Defense Duty To Support Israel

 Israel is now doing what the USA should have done in 1979 when the revolutionaries invaded the US embassy in Tehran and took American diplomats hostage. Iran has been the instigator of terror in the   Middle East  now fir 46 years, inciting violence, paying proxies to promote terror, calling for death to Israel and death to America, with only namby pamby diplomatic efforts at seeking a negotiated resolution. 

A negotiated settlement was never a realistic outcome. The  Mullahs in Iran hate western civilization only slightly less than they hate Israel and Jews. 

I was a University student in England when the embassy was invaded in 1979 and had many Iranian friends. Most never returned out of fear. Friends who have escaped and achieved US citizenship recount the oppression, fear, subjugation and certainty, that if they’d stayed, they would have been executed. 

Israel is the only democracy in the Middle East. Love him or loathe him, Bibi Netanyahu is the savior of z Israel with his devotion to preserving Israel’s statehood, secure borders, and the ability to survive in a world that is still filled with anti semitism. 

Anyone who refuses to support Israel at this juncture is no better than those perpetrators of the Holocaust. Haters. Small minded. Indoctrinated. Confused. Uneducated. Mind washed. Simpleton. Racist. Communists. 

The Biden Cover-Up

This is one of the most reprehensible cover-ups in the history of the Republic. Initially, who thought it was a reasonable strategy to keep Joe locked in his basement during the faux Covid lockdown? Only those who could profit from his intellectual decline and inability to make informed decisions. One must now wonder if any decision attributed to the Biden presidency has any legal significance. 

Before we move on, let me say that Jill Biden exploited her ED. Most people who earn a ED know they are not really doctors. They are not even PhD quality. And even those with a PhD do not use the honorific outside of academia. My sister has a PhD, I called her Dr.  Bitch once. The honorific DOCTOR should be limited to medical doctors. I’ve actually had educated friends believe Jill Biden was an MD- what a prima Donna.

Joe Biden would never had been elected if it weren’t for James Clyburn in South Carolina. He perpetrated the fantasy that Biden was qualified to be president. Shame! 

Let us hope that Congressional investigators find some semblance of truth in the fraud that was perpetrated on the American people. Biden was likely too intellectually compromised to be held accountable. However, his handlers are guilty of treason. Lies. Misappropriation of power. Whoever had control of the auto pen will face consequences. 

Murder at the Jewish Museum in DC

 I’ve worked in the District of Columbia since 1994. I first applied for a position with the Library of Congress in 1980. I’ve loved the concept of the District of Columbia since 1969. DC is supposed to be an island adverse to politics, an ideological oasis, a place where people of different opinions can congregate to discuss the best way forward for the republic. Instead, it is a swamp where ideological differences escalate into polarization and division.

It is a place where dreams devolve - nightmares.

Two amazing young people working with the Israeli embassy were murdered in cold blood last night. Why? They were focused on peace. Tears filled my eyes multiple times today thinking of the incomparable hate and antisemitism that resulted in these murders. 

I grew up in the Midwest, flyover country that is disdained by the alleged elites. People in flyover country are patriots, love America, believe in the Constitution, the idea that there are no handouts, that hardworking people deserve to keep what they earn, that there is no free lunch, that people who come here legally should share in the American Dream, that there have been episodes in our history that were horrible, but that overall, Americans believe in fairness, opportunity for all and that handouts cripple self determination. 

The history of our country includes episodes of mistreatment of people of color, denigration of women, discrimination of immigrants from multiple countries, different ideologies, wars against native Americans, and disagreements over westward expansion. But, this is the history of the world. There has always been the realization that there are conquerors and conquered; winners and losers; success and failure, abundance and deprivation, assimilation and annihilation.  

But, the polarization of the political minds, the hate fomented by elite universities, the antisemitism allowed to be exhibited by students at elite universities is unacceptable. 

Two young people who represented the best  of the best, who sought peaceful solutions, who looked for ways to help the people of Gaza, were murdered in cold blood in no small part because of the rhetoric spewed by coddled, undereducated, pampered, indoctrinated, unaware, ignorant, unethical, parochial, bubbled, self- important, ignorant, overindulged sycophants of the leftist ideological idiocy. Shame! The alleged ‘elite’ universities that allow this perpetration of prejudice, discrimination against anyone with whom they disagree, and tacitly approve the provocation of violence should lose all federal funding, all grants, all student subsidies, all tax benefits, and all rights to enroll students who are not US citizens. Starve them of foreign influence and opportunities for foreign governments to infiltrate spies into our universities. Just say NO!

I am horrified by the lack of critical thinking exhibited by these alleged scions of the elite. 

The Washington Post | The Fall of a Once Great Newspaper

 Democracy Dies in Darkness    

This is the slogan The Washington Post began using in 2017, four years after Jeff Bezos purchased the failing publication for $250M. This once lauded newspaper no longer lives up to its reputation or its slogan. 

WaPo, as once affectionately called, was first published in 1877 to support the Democrats. During various eras WaPo alternately supported Democrat or Republican views. It was not until Eugene Meyer purchased the paper in 1933 that WaPo begain to determine its place in history as a publication that supported non-ideological independent journalism. Under the leadership of his son-in-law, Philip Graham, followed by his widow, Katharine Graham, WaPo became a juggernaut of excellence and groundbreaking investigative reporting earning well-deserved awards.

Consider the publication in 1971 of excerpts of The Pentagon Papers and the subsequent investigative reporting by Woodward and Bernstein into Watergate. These are examples of how WaPo earned its reputation and prestige. WaPo and the New York Times set the standards for journalism excellence, which resulted in a generation of young, altruistic, reporters  yearning to uncover political misdeeds and join the ranks of the Pulitzer Prize winners they admired.

But, WaPo has come full circle and is once again a shill for the Democrat party. There is not even a scintilla of effort to pretend otherwise. Although I’ve been an intermittent subscriber for decades, I’ve come to accept that it is no longer worth reading for another perspective or for the Friday weekend section. 

This paper suffers from extreme Trump Derangement Syndrome. If one goes down the rabbit hole and reads the comments to articles, it is clear the moderators have no problem considering that threats against moderates and conservatives meets ‘community standards’. One poster today thought it was appropriate to wish all moderates and conservative thinkers ( regularly called Nazis, fascists, idiots, evil, MAGAts, racist, misogynistic, Hitler, authoritarian) death. 

WaPo readers are unwilling to consider any opinion that does not fit a specific narrative. Every person who did not vote for Kamala Harris is thought a cretin and MAGA supporter and unworthy of breath. There is no concept of nuance, of varying degrees of political thought across the broad spectrum of far right to progressive left.  Most Americans are somewhere in the middle between moderate left to moderate right. Most Americans want common sense government and eschew the extreme views of each party. 

But, WaPo is seeming to focus its  content towards the extremely leftist ideology, allows extremists to comment without moderation, and will continue to bleed readership. 

Katharine Graham and Ben Bradlee must be rolling in their graves.

6 More Working Days Until Retirement

 

I’ve been on the insurance business since June 9, 1980.  For some reason can’t recall, so took extra classes and graduated with my BA at the age of 20. I was a green, naive, unsophisticated trainee for the position of Claims Adjuster for Commercial Union Assurance Companies. I’d never heard of such a job; however, I was a liberal arts major, needed a job, and I was offered the position at a salary of $12,500 plus a company car. And what a car! A 1980 Ford Fairmont! To be fair, it was much nicer than the school bus yellow Ford Pinto with the exploding gas tank that I had been driving, 

When I began that first adult job at the age of 20, I figured I would have to work for at least 45 years before I could retire,

The 45th Anniversary of my first day in insurance claims would be June 9, 2025. I’ll miss the 45th Anniversary by one month. I’m okay with that, 

Contemplating the Legacy of Pope Francis

 

I was a child of the 1960’s, Vatican 2, the Vietnam war, the women’s movement, a shift in the fabric of American society. 

Priests and nuns left the Catholic Church. I attended a Catholic elementary school across the street from our house. The church and the convent were the street from our house.

I was a theological rebel. I attended Catholic elementary school and asked inconvenient questions- even at the age of 6. That was an indication of things to come. My childhood transitioned from the Latin mass to post Vatican 2 services. 

By the time I escaped my childhood, I rebelled and eschewed the  church of my youth. I still struggle with the history of the Catholic Church and the hypocrisy of the leaders. I’ve not completely abandoned the faith of my youth; however,  I’ve questioned the belief system and cannot understand why the Church leaders turn a blind eye towards modernity. 

There is something about the spiritual experience of sitting in a beautiful church built by the faithful over centuries. Attending a Mass at Notre Dame de Paris, St Peter’s, or a tiny Church in Tien Mu Taiwan  alters one’s perception. 

Despite my questions, I cannot completely abandon the Catholic church of my youth. There is something there. I’m not sure what it is; but I believe there is a higher power we must embrace. 

America Thrived for 150 Years Without A Safety Net

 

This photograph depicts my ancestors more than 100 years ago. They were farmers, living on their land in Southern  Indiana without electricity, indoor plumbing, refrigerators, tractors, automobiles, or any of the comforts of 21st century life. Family supported family. Many who were educated in a one room school house learning from the McGuffey Readers were far more educated than college today.

My blind Great Aunt Mary, blind from her teenage years, raised my father and his siblings, ran the farm, and was one of the most well read people I’ve known. Adversity created strength, resilience and character.

Too many people living in the USA today have never experienced true deprivation. The soft, easy life has created generations of lazy, over privileged, over protective, ingrates who don’t have the ability to work hard, endure adversity, understand that nobody is guaranteed anything, that the government and taxpayers owe nothing more than secure borders, and that they should be grateful they don’t live in pre-industrial revolution society. 

I would venture to guess that. 85% of the US population could not have survived the upbringing experienced by my parents and their siblings. They could not appreciate that achieving a nice but modest life in an older house without air conditioning, having modest jobs, contributing to community, sending their kids to college and enjoying a few international trips would cause them to appreciate that they ‘made it’. 

The plumber’s daughter and the dirty little farm boy stood on the Great Wall  of China, amazed at how far they ‘d come without handouts, free meals, welfare, food stamps, or Medicaid. They believed they’d achieved the American dram.

It truly is a shame that more Americans don’t feel gratitude for their good fortune instead of criticizing the success of this great experiment. 

Does Anyone Really Understand Their Political Arguments ?

 

I must admit that I troll the mind numbing comments that people write who believe they are brilliant, insightful, common sense posters to articles in the Washington post. When asked to provide empirical evidence to support their idiocy, they often respond that readers found their comments insightful, clarifying or thought provoking. This clearly establishes these posters are uneducated troglodytes. 

I must admit it is fun to engage with the nonsensical people who spout hate for no reason other than  the inability to consider their preconceived ideas could be wrong. 

But ultimately,  I have realized that people will believe whatever supports their pre conceived notions notwithstanding the truth. 

Extremists will ignore the moderates and disregard the will of the people to support their marginalized views. One can only hope sanity prevails. 

Troglodytes Torch Pennsylvania Governor’s Home

 What had become of American society when some troglodyte thinks it is just fine & dandy to set fire to the Pennsylvania governor’s mansion because they dislike his political affiliation, religion, choice of socks, or the sound of his voice? There is no acceptable explanation.

Of course, when people conclude it is acceptable to firebomb Tesla dealerships, vandalize cars, glue themselves to priceless works of art, celebrate a cold blooded assassin, suggest killing politicians is a reasonable response to disagreements, hold demonstrations to denigrate or call for the annihilation of Jews or Israel, choose to support terrorists, argue for free speech as long as it does not differ from one’s ideology, treat those with differing political views as enemies, support the rights of illegal aliens over the rights of legal residents, and advocate for violence instead of peaceful protests, any atrocity is feasible.

Perhaps, people have forgotten the terrorist attacks on September 11, 2001. I have not. I can only hope and pray that someone steps into the fray and stops the insanity.

Twenty Working Days Until Retirement

 

I can’t believe I only have 20 more working days until retirement from my position as an AVP Executive Claim Director at one of the largest multinational insurers. 

My first day as a rookie claims adjuster was June 9, 1980. I’d graduated from college early and was still too young to legally consume adult beverages. Seriously, I had zero knowledge about the job. I’d never even heard of a claims adjuster. I only took the job because it was offered to me and I needed to be self sufficient. 

After several months of training, it dawned on me that I was a quota hire. That truly pissed me off. When I stormed into my manager’s office outraged, he looked at me and asked how did I know that I wasn’t the best candidate? My sails lost wind immediately.

There have been many times over the years where I loathed my job, generally in the early days when my assignments were routine and boring. However, the last 23 years have afforded me the opportunity to thrive handling the most complex coverage and catastrophic injury matters that gave me a type of euphoria when negotiating a resolution. 

While I truly continue to dislike the mundane aspects of the job, I loved the thrill of victory and survived the agony of defeat. Ultimately, however, it is the frustration of the minutiae, the micromanagement, the Thursday morning quarterbacking, duplicative reports, and the fight to get legal bills paid that caused me to retire. As always, it was the bull shit. 

Thirty More Working Days Until Retirement

 

When I made the decision to retire, I was ambivalent about how much notice would be appropriate. I’ve been with my employer over 23 years. I have immense respect for my VP and genuinely appreciate her. She has been fair and equitable during the years I’ve worked for her.

However, my spouse reminded me that over that 23 years there have been situations in which I was not afforded opportunities for growth because of business needs. I am well aware of my personality traits that make me less than an ideal candidate for senior leadership. If someone asks my opinion, Intendvto give it notwithstanding the perils of doing so in corporate America. 

I have worked in complex casualty insurance claims throughout my career. I self describe as a clean-up batter, a firefighter, an EPA superfund manager, a windmill tilter, a master negotiator, a dump site, a litigation manager, an ear for those who are frustrated, a friend, a provocateur, an excellent analyst, a leader, a resistance fighter, an advocate for the policyholder and a career long commitment to do the right thing.

Sometimes my personal code has conflicted with the leadership of ,y company.  I have refused to compromise my ethics. I am comfortable with that decision even if has cost me promotions.

I’ve refused to drink the kool-aid. I’ve been true to myself. It is time to let go of the corporate world that values profits over integrity, limits merit increases to an average of 2% despite record breaking profits, and a CEO who has made it clear he does not care if people leave.

Yes, I could work another year or two, bump up my 401K and accumulate more stock. But, I just don’t care anymore.

Instead, I’ll enjoy my koi pond, get healthy, enjoy my friends and family, and celebrate every day that I have left.

What it means to be Libertarian

 

Recently, I’ve had posters on social media comment that I cannot be a true Libertarian if I do not accept the concept that biological males should be able to compete against biological women in Collegiate sports. What a load of hypocrites gwash.

As an ideological Libertarian I believe that the government has not right to appropriate the wages I’ve earned to redistribute to those who dropped out of high school, decided to have children out of wedlock and steal money from working Americans, those who decided it was easier to go on the dole than work, those that looked for a physician that would put them on disability even though they can work, or those that think it is okay to let those who work support those who don’t.

The particular issue that generated discord in the last 25 hours- whether it is discrimination under Title VII to deny transgender women the right to compete as women in NCAA sports. It is not. Biological men have strength, endurance and muscularity that gives them a distinct advantage.

Outside of physiological issues, be who you want to be. Identify as you prefer. Live your life to the fullest.as long as you do not insist on foisting your beliefs on me, I am fine. 

That is the tenet of being Libertarian. Live your life as you see fit. Do not infringe on the rights of others. Support limited government. Do not stick your hand in my pockets or bank account.

Essentially, keep government off my property and out of my wallet. Consider the right of others without interference in common sense. Fringe elements have a right to exist on their own property. Just don’t force it on others.

Making the Decision to Retire

 

Making the decision to retire wasn’t easy. It was a struggle to determine if the time is right, if I’d saved enough money to live the life I’ve envisioned, and if I was prepared to give up the identity I’d established as a high performing, valued, claim professional in the P&C insurance industry. There is no question that I’m still at the top of my game. But, the machinations required by my company and the toxic litigation environment made it too challenging to do the job. 

The stress has been overwhelming. It is not as if an incorrect decision would result in people dying or losing their homes or livelihoods; instead it is the acknowledgment that making the wrong recommendation could cost my company millions of dollars and more Thursday morning quarterbacking than I want to endure.

Activism amongst the judiciary, ethically challenged plaintiff attorneys, juries that do not appreciate the value of a dollar, greed, shortsightedness, anger towards corporations that employ people, intolerance for accidents, and the apparent need for some people to transfer wealth from those who create to those who believe society owes them has created a landscape I no longer want to navigate. 

The inmates have co-opted the asylum. Even the parts of the job that energized me no longer compensate for the negativity. My only hope is that the cycle will tilt towards what is reasonable. But, I’m no longer willing to wait.

I’ve Decided To Retire | May 9, 2025!

 

This was me a year ago, March 2024, celebrating my dad’s 92nd birthday. Since that time, we’ve lost my father-in-law, my aunt, my mother-in-law, my dad, and my husband’s bio mom. I’ve had a friend that had a mastectomy just before Christmas and a long time acquaintance, from university that died of brain cancer. 

Talk about a wake-up call!

Life is short. The time passes. All of a sudden we realize that we’ve spent decades trying to accumulate assets so we can retire comfortably. What does that mean? For me, I’ve adjusted what I originally thought was necessary for the next stage. I still have things on my bucket list, but the list is shorter.

Quality of life, finding peace & serenity, living everyday with optimism, celebrating the little things, focusing on health, finding beauty in my environment, being grateful for my blessings, and appreciating the people who have given me the skills to live my life to the fullest bring me joy. 

Perhaps a few more years in the corporate world would have given me a bit more financial flexibility. But, I am at peace with my decision. It is time to embrace the next stage of life! Bring it on!

Disrespect For Our Democratic Procss

 I have not always been a supporter of Donald Trump.However, he is a far superior representative of the USA than our former incompetent, mentally deficient, plagiarist, petty, puppet that was Joe Biden, who diminished our role in the world order.

The Democrats that showed disgraceful disrespect at the State of the Union yesterday are an embarrassment to the USA. The hubris, corrupt, disdain for American citizens is noteworthy. These elected officials make fun of the people they purport to represent. They claim they ‘know better’ than everyone else. It is condescending at the minimum and disdainful in any forum. 

These members of Congress are supposed to represent their constituents. Instead, they represent themselves, their greed, their need for adulation, their egos, their need to feel superior, their disdain for the Constitution and the rule of law.

I was embarrassed by the  antics of the Democrats in Congress. I’ve been dumbfounded by the obstructionist  votes that marginalized the will of the people. 

The Democrats acted with rudeness, antipathy, disgust for fellow Americans who disagree with their skewed view of what life in the USA should be like be.

I applaud Donald Trump assembling a cabinet of outsiders who may shake up the old world order into the  current world in which we live. The Cabinet is diverse. There are views that should generate discussion. Let us hope it is the end of the status quo. 

Term limits! Line item veto for appropriations, tax reform. Cling the right thing. Taking care of  Veterans and paying active duty soldiers a living wage. 

DOGE, Do-nothing Congress, Trump & Entertainment

 

I have lived just outside the Washington, DC beltway for more than 30 years in suburban Maryland and Virginia. For several years I commuted daily into Washington. Washington is a dynamic city with first class museums, beautiful monuments, amazing restaurants and the heartbeat of our federal government. One thing that has resonated with me over the decades is the fact there is virtually no traffic when the government is shut down and only ‘necessary’ employees are required to show up for work. If government employees are not ‘necessary’ why are we paying them with our tax dollars? 💸 

The outcry over Elon Musk and the DOGE team looking for efficiency, fraud, wasted taxpayer dollars, and  right sizing the government puzzles me. I can only suppose that those howling the loudest are afraid DOGE will discover boondoggles, shell companies, the fact that many who work at federal agencies do zero productive work while having more protections than any civilian employees, and that the massive waste caused by the regulatory environment just perpetuates the perception of ordinary Americans that government serves itself.

Yes, jobs will be eliminated. Grants will be revisited and conditions revised. Pork may be made into sausage. Automation will replace people.Contracts will be reviewed and revised with a much  lower allowance for charging overhead. 

But,  it is time we returned to a meritocracy.  Perhaps the audacity of Donald Trump and his fearlessness may give Congress the impetus to do its job. I am furious that so much time, money and argument is wasted on showboating. Just STFU, figure out how to play together in the sandbox, and fix the broken system. For once in my lifetime, I want to see the political class do the right thing for the USA instead of perpetuating the status quo and pandering to special interests to get re-elected. 

In the meantime, I’ll read media reports, social media posts, listen to the apoplexy and enjoy the show. Trump is a showman. I’m enjoying the show. 

Lockerbie with Colin Firth on Peacock

 

My reaction to the first two episodes of Lockerbie, starring Colin Firth, was visceral. December 21, 1988 Libyan operatives smuggled explosives onto Pan Am Flight 103.by way of Malta, which exploded over Lockerbie, Scotland, raining debris over the village and killing several people on the ground. 

This event is personal for me, in part  because I heard about the terrorist attack when I landed in Cincinnati that same evening following air travel from Chiang Kai Shek Airport in Taipei, Taiwan. I’d flown that Pan Am Flight from Heathrow in the past. Ultimately, it was the death for Pan Am, which had been the American flag ship airline from the early days of commercial aviation. Lockerbie defined the moment for me.

I was living in Asia during Tiananmen Square, the 1st gulf war, terror attacks on US facilities.  I knew people who were traumatized by the bombings in Lebanon, the evacuation of US citizens in Tehran during the revolution, the airline and cruise ship high jackings, and understood that if we were in danger- the best places to find help included the Swiss and Canadian government entities…not the US. How disappointing to know that my own government did not have the best interests of its citizens at the forefront.

Perhaps it is for this reason that I felt the agony of those fighting for answers after Lockerbie. Secrecy     Y governmental entities is toxic. It erases trust of citizens. Maybe this is why so many Americans applaud DOGE. Transparency! Light! Peeling away the layers of the onion. 

The people are entitled to truth. God bless Dr. Swire for reminding me that government owes us truth. Lockerbie is a reminder of that. Obfuscating is wrong. Opacity is wrong. We, the people, deserve truth.

After Years of Exploring BedLinens~ It’s Cozy Earth

 

I e spent years looking for the perfect sheets that satisfy the disparate requirements of my spousal unit and me. If I were only concerned about my personal preference, I would luxuriate in my Belgian linen sheets, which I’m saving for the unfathomable future. My partner believes they are too scratchy for his sensitive skin. I love the breathability and natural antibacterial properties.  🤔

My partner loves Egyptian cotton. As a woman of a certain age who continues to experience ‘personal summers’ not allayed by air conditioning, this is a non- starter for me.

About ten years ago, my dearly departed mother suggested exploring bamboo sheets. I did my due diligence and decided to try a set that was offered at Costco at one of the regular special events. This set was comfortable with a disappointing life expectancy. 

During a holiday special, I tried Cozy Earth. We both loved the Cozy Earth sheets that felt like silk, laundered well, and provided the durability we wanted. However, these sheets are expensive. When it came time to replace them, I went down the research rabbit hole looking for comparable quality at a more affordable price point. 

Reviews for the Quince viscose bedding were excellent. My sister exclaimed the quality of Quince products. So, I ordered a set. Within a week the bottom sheet pilled. I reached out to customer service. Quince replaced the set at no cost. The bottom sheet pilled yet again. I tried another resource. My husband found them unsatisfactory. 

Consequently, we decided that at this point in our lives we were worth the cost of Cozy Earth. The new set arrived today. Feeling the sheets as I opened the package convinced me we’d made the right decision. Easy care. Silky. Moisture wicking. Luxurious. I anticipate an excellent night’s sleep. 

Cozy Earth is worth it! 

Looking Forward to New Adventures

 

2025 may be a turning point. I’ve reached a place where I’m yearning for new adventures, the next phase of life, another reinvention. After a year of losses, I feel it is time to move forward and embrace there years ahead of me. 

Interests and hobbies abound. When I pull the plug on my career, I have no trepidation that I will face boredom. There are too many opportunities to embrace- new and old.

On ce our darkroom is divested of car parts, I plan to re-engage in collodion wet-plate photography. I love the process, the artistic engagement, the striving for a unique perspective..

Todd and I together enjoy attending antique car events. I’m particularly enthusiastic about future opportunities now that we’ve jointly invested in a 1929 Auburn. We can now participate in events with the Auburn Cord Duesenberg club. I’m so excited to have a classic Indiana car. 

Gardening, fitness, meditation, exploring new recipes, target practice at the shooting range,  Civil War. Era civilian events, educational travel, wineries, special events at museums in DC & Richmond, longer time spent reading at the beach and trying new dining establishments.

I’m ready. The degradation of the civil litigation environment into a morass of unethical behaviors by judges, attorneys, physicians, legislators, litigation funding agencies, runners, fraudulent individuals, and dimwitted jurors has exhausted me. Whatever happened to honor, ethics, fairness, common sense and reason?? Rhetorical, I know. But I’ve reached a point where I feel the need for a decontamination shower at the end of my workday. 

Moving Forward in 2025

 

After a heartbreaking 2024, Todd and I have decided to celebrate life on 2035. There is no magic formula. It is one minute at a time, one hour at a time, one day at a time. Despite the losses, we know that together we are stronger. We are optimistic about the future. We’ve made plans individually and jointly.

That is the beauty of a healthy relationship. Todd has his goals. I have mine. And we have collaborative plans. I support his goals. He supports mine. That may require one of us to work longer, one of us to embrace independent travel, both of us to make compromises. 

 But that is the beauty of a healthy relationship. We don’t agree on everything. We have joint and disparate interests. We bicker. We discuss. We disagree. We see eye to eye. We know we are on different, parallel, joint paths at the same time. And, it is okay. We support one another. And, we’ve jointly bought a 1929 Auburn. So, we have a plan. 

A Farewell to 2024

 

Major losses of loved ones in 2024 caused me to reevaluate how I want to spend the next chapter of my life. Originally, I’d contemplated working until age 67 to maximize social security benefits; however, the deaths of my father, my Aunt Virginia and both of my husband’s parents within a 6 month span altered my psyche to the extent that I’ve decided to live my best life now. 

The first big decision involved cashing in stock options to pay off debt and build a koi pond with a waterfall. Our contractor, Noah, from Aquatic Creations designed a perfect place for contemplation. And he ensured it would be up and running by my birthday in July. Sitting under a maple tree, just watching the fish swim and listening to the waterfall has brought me so much peace and pleasure.

For the first time in 23 years at my current employer, I used all of my PTO plus the 15 days of bereavement to which I was entitled and felt zero guilt.

Next steps- sell my restricted company stock shares that have been vested and pay off my car. Finally, decide just how much more time I’m willing to devote to a corporation that has treated me well comparatively, but nonetheless would prefer to replace all sentient beings with AI. 

This morning, the last day of 2024, I bundled up, ventured outside, and took a long walk, noting the beauty of the winter countryside, thanking my higher power for my good fortune in having the beautiful loved ones that we’d lost this year for as long as we were blessed to have them, and making the decision to celebrate everyday and everyone I care about in the new year. 

Friends Are Family

 

2024 has been the end of an era. My dear Daddy left us the end of September, a man larger than life. We also experienced the loss of my husband’s parents and my dad’s sister. This has been a year filled with grief. 

But, we’ve also been blessed with the kindness of friends, people who have stepped into the void, raised us up, included us in family holiday gatherings and made us feel welcome. 

There is no greater gift than knowing people that care, include, share, celebrate and create a haven for those of us that feel alone. 

We must have done something right over the years to experience such good fortune. Thank you to the Universe for responding to my manifestations. 🩵

Our First Christmas as Orphans

 

I know I’ve been fortunate to have my dad and my in-laws in my life  for as long as I have. Many people do not have such good fortune. But, it doesn’t matter when your loved ones pass to whatever is beyond. It is a devastating finality that alters one’s perception of life. The loss leaves a crater in one’s heart that can never be filled. 

This is our first Christmas without our parents, the people who raised us, gave us our moral center, and loved us unconditionally. It is not to say without disapproval. Instead, we knew, no matter what dumb stuff we did, our parents would not give up on us. 

Yes,  I know I disappointed both of my parents. It’s just a facet of live. But, that never stopped them from loving me, talking on a Sunday afternoon or giving the benefit of the doubt.

I am grateful for that blessing. And I miss the ability to embrace my loved ones, spend time with them, listen to their stories, and absorb the lessons they learned throughout their lives. I’m not sure what it will take to fill the hole in my heart. 

Bittersweet Holidays

 

2024 has been a transitional year. Between March 31st and the end of September we lost my father-in-law,  my Aunt Virginia, my mother-in -law, a colleague I admired and my dad.  Notwithstanding the grief and pain, I am grateful for the beautiful relationships we shared. But the loss of my dad, the most gentle of gentlemen, broke my heart. 

My dad told stories. He grew up on a farm in southern Indiana without indoor plumbing and electricity. He loved my mom with every fiber of his being. But he enjoyed his cats, his family, his church, his friends, his neighbors, his community, and life. 

Wow, the beautiful people we’ve lost this year could cause me to spiral into depression. But, instead I feel blessed that these wonderful human beings enhanced my life. I’m grateful Daddy lived nearly 8 years after Mom left us. 

This gentle, larger than life, man of 92/brought joy to those around him. I am grateful that we were able to see him on his last goood days, drinking whiskey, enjoying a cigar, and living life a bit less awful because of the gifts of Michigan embracing end of life herbal remedies.

Daddy, I miss you. The tears stream down my cheeks as I write this. But, I’m happy you’ve reunited with mom. 

First Thanksgiving After Losing All Our Parents

 

Melancholy is the word of the week. I feel melancholy, defined in part as pensive reflection or contemplation, depression of spirits.  Thought I was doing well navigating the stages of profound grief. But, my body is slapping me silly with a very rare sore throat, scratchy eyes, mean-spirited sinuses and fatigue. I’ve been trying to just soldier on, moving forward, contemplating my blessings.

Thanksgiving has, for the past 19 years, been our holiday. We loved gathering our loved ones in our home, cooking for them, laughing and loving. 

After my mom passed away at Christmas time 2016, weeks ago continued to host Thanksgiving. Then, in 2020, COVID restrictions took that away from us. We were not able to bring our remaining parents together again. Denial that the conclusion of life as we knew it continued until two years ago. None could travel any longer. Health deterioration - mental and physical sent us spiraling. Then beginning the day a cargo ship caused the collapse of the Francis Scott Key Bridge in Baltimore, my father-in-law, a good hearted man with an incomparable sense of humor left us, followed by my Aunt Virginia in July, my mother-in-law in August and my dad in September. I know we were blessed to have them with us as long as we did, but the pain lies under the surface, at the edge of consciousness, ready to send us into the depths of sadness and despair just at the smell of a pie baking or a song playing or a memory emerging. Melancholy. That is where I am. 

Evidence of Life After Death

 

My dad left us on September 22nd. He joined our mother who had departed this world nearly 8 years previously in December 2016. While I’ve always been unconvinced of Catholic doctrine, the concept of heaven, a belief in the afterlife, Ive still contemplated  whether our souls just disintegrate or move to another realm. I’ve embraced the precept of Buddhism since my years in Asia and do not accept that western and eastern religions are completely disparate. 

What particularly resonates with me are the signs from the Universe that support the theories of an afterlife. These irises bloomed today, October 19, 2024. Notice that I had trimmed the fans weeks ago to prepare them for overwintering. This Iris disagreed with Mother Nature and bloomed not once but twice with double blossoms after my father died.

I interpreted this as a sign that my parents  reunited in the afterlife, that they are enjoying drinks with old friends and relatives, and that they are watching over us. The signs are always there if we are receptive. 

Mourning My Father, Richard B. Copeland

 

My father, Richard Bruce Copeland, departed this earthly life this morning. He was born on March 18, 1932, to Lawrence French and Blanche Vivian Copeland, on a farm in Posey County, Indiana. His mother died when he was four. He and his siblings were not given the opportunity to say goodbye. 

My grandfather was taciturn as a father and essentially ignored his children. He and his siblings, Amos and Virginia, were raised by their Aunt Mary, a strong woman who was blind from the age of 16. She was never a victim.

The farm had no electricity or indoor plumbing. They couldn’t afford a tractor until the 1940s. Dad was determined to get an education and leave southern Indiana. He saved every penny he earned from selling the piglet he was given for his farm work. 

At times he lived in the barn and worked in a warehouse during summers through his years  at Indiana State Teachers College. He was a founding member of ISU’s Sigma Phi Epsilon fraternity. He combined work study to earn his degree. 

My dad believed until his last breath that the happiest day of his life was marrying our mother, Eileen Conroy. He could not believe such a woman could love what he described as a “dirty little farm boy”. 

Dad always felt grateful for the middle class life he achieved in Logansport, Indiana as an elementary school teacher, a member of his church, a contributor to his community, a father, a husband, a friend, a mentor, a Cass County historian, a radio personality, a world traveler, a music lover, a man who loved books, an observer, a storyteller and a man who embraced life to the fullest.

Saying Goodbye to Loved Ones

 

This past Saturday we celebrated the life of my mother-in-law, Janice Ann Harrington, pictured left with my father-in-law,  Norm Harrington, partners for 66 years. 

This was a difficult journey for many reasons. Since the end of March 2024, we experienced the loss of Norm and my Aunt Virginia Butler, my dad’s younger sister. Jan had been suffering with Lewy Body dementia, an insidious disease that robbed her of her memories and physical strength. 

My heart was filled with sorrow for my husband, his extended family and myself. 

I could not have specially ordered better in-laws. I felt nauseous from the moment we began our trip in Virginia, resisting the inevitable loss of the keys figures in our lives. 

After Jan’s moving service where we shared memories, the family gathered at my sister-in-law’s to share hugs, intentions to stay connected, and bittersweet stories. Then a few of us went out to Wolf Creek Golf Course to see a plaque posted on the 16th hole to honor Norm for his work as a groundskeeper. 

Racing golf carts to the site brought back wonderful memories of the times we’d spent together at Wolf Creek. This brought a sliver of joy to an otherwise melancholy day.

Listening to the Rain & Contemplating Next Stages of Life Considering Government Misadventures

 

My 92 year old father has now been diagnosed with Stage 5 Kidney Disease. His kidneys no longer function. The US government will not allow him to use Medicare for home hospice visits and pay out of pocket to see his nephrologist. He was advised that is ‘illegal’. This should dumbfound me; however, the socialist running the deep state do not care about everyday citizens trying to live a few more days among their loved ones. It is heath care rationing pure and simple. 

Daddy is angry his kidneys aren’t functioning. Other than the kidney disease, he is ambulatory, mostly of sound mind,  able to climb stairs to his bedroom, go out for lunch, enjoy a cigar and visit with friends. The fact he’s been told it is illegal to use Medicare for one service and pay for another is ludicrous, anti American, Marxist, with blatant disregard of the rights of man.

I know my siblings and I have been blessed to have our father with us for 92 years. But he should be allowed to fight for every breath, using the benefits he’s earned and the money he’s saved.

This is a man who grew up on a farm in southern Indiana without a mother, indoor plumbing, electricity or a tractor. He paid his way through college with money earned by selling his annual pig, working in a warehouse while living in a barn, and using work study at Indiana State. My parents saved money, working as elementary school teachers by choosing to live on the less elite side of town and counting pennies. They saved to send their three children to college. They worked hard, save diligently, built a life based upon love and community service, only to be marginalized by government bureaucracy. 

I am saddened, heartbroken, angry and motivated to ensure the status quo changes. At this point I would rather see an asshole with a toxic personality in the White House than a sycophant indebted to the political machines of either party. We need to dissolve the power of the Democrats and Republicans and elevate grassroots politicians with common sense ideas that consider those who truly need public assistance, stay out of morality issues, institute a simple, fair tax system, encourage the development of small businesses, refuse to bail out institutions with taxpayer money, balance the budget, insist on line item vetoes, establish term limits for all elected offices, discourage former politicians from earning millions after leaving office, punish true criminals, eradicate political corruption entirely, require Congress and federal employees to rely on the same benefits as those in the private sector, eliminate unions for public employees, institute a private sector type process for federal employee disciplinary actions, require members of Congress to maintain an actual residence with furniture, taxes, residency requirements in the state they represent, allow zero gifts, and bar  any former employees of Congress, the cabinet offices, employees of federal agencies, or any other government positions from working for any law firm, business, nonprofit or any other entity that lobbies, engages lobbyists, or exploits in any way any knowledge, connection, relationship, to gain any scintilla of favor or money or concession or privilege or even a free donut for 5 years after leaving such position. 

Maybe, someday, this will, in part, atone for the reckless disregard of American citizens perpetrated by the elected, appointed, hired,  contracted, persons who have ravaged the rights of the people.

Grieving Loses

 https://www.wagleyfuneralhomes.com/obituaries/Janice-Harrington-5/#!/TributeWall

This is the last photo of my mom and my mother in law together with my spousal unit and me. It was Thanksgiving 2016. We had no idea it would be our last collective Thanksgiving together. Ever since Todd and I had decided to make a life together in 2005, we hosted Thanksgiving for our loved ones. We so loved having our parents and whoever else joined us come to our rocky ridge to celebrate our good fortune at our home.

My mom and my mother-in-law immediately bonded. 

We enjoyed laughing together and shopping at Talbots and Chico’s the day after Thanksgiving, followed by visiting a couple of  Virginia wineries.

My mom was the first to leave us. She had been diagnosed with recurring breast cancer and made the decision to eschew treatment and refrain from telling us about her condition. She was gone by the end of 2016.

Subsequently, in 2024, my in-laws succumbed to age and illness, leaving us bereft, feeling lost, unable to process life on life’s terms. We are still reeling from grief. 

But, I am grateful for the years we were able to celebrate our blessings with our beloved family members. I am still trying to process and accept that these dynamic, loving, good, generous people are no longer here to share love, laughter, joy, beauty, opinions, support, experience, insight, family history, hugs, an ear, understanding, advice, comfort, reassurance, and connection. 

I miss my mom, my mother in law, my father in law, my aunt, my grandparents more than I can say. But, I am filled with gratitude that I’ve been blessed with the memories of such wonderful people.