I Was Misinformed: The Time She Tried Viagra





I have noticed, in the bragging-rights department, that “he doesn’t need Viagra” has become the female equivalent of the male “and, I swear, she’s a real blonde.” Personally, I do not care a bit. To me, anything that keeps you happy and in the game is a good thing.




But then, I am proud to say, I was among the early, and from what I gather, rare female users.


It happened when the drug was introduced around 1998. I was 50, but after chemotherapy for breast cancer — and later, advanced ovarian cancer — I was, hormonally speaking, pretty much running on fumes. Whether this had diminished my sex drive I did not yet know. One may have Zorba-esque impulses when a cancer diagnosis first comes in; but a treatment that leaves you bald, moon-faced and exhausted knocks that out of your system pretty fast.


But by 1998, the cancer was gone, my hair was back and I was ready to get back in the game. I was talking to an endocrinologist when I brought up Viagra. This was not to deal with the age-related physical changes I knew it would not address, it was more along the feminist lines of equal pay for equal work: if men have this new sex drug, I want this new sex drug.


“I know it’s supposed to work by increasing blood flow,” I told the doctor, “But if that’s true for men, shouldn’t it be true for women, too?”


“You’re the third woman who asked me that this week,” he said.


He wrote me a prescription. I was not seeing anyone, so I understood that I would have to do both parts myself, but that was fine. I have a low drug threshold and figured it might be best the first time to fly solo. My memory of the directions are hazy: I think there was a warning that one might have a facial flush or headaches or drop dead of a heart attack; that you were to take a pill at least an hour before you planned to get lucky, and, as zero hour approached, you were supposed to help things along by thinking beautiful thoughts, kind of like Peter Pan teaching Wendy and the boys how to fly.


But you know how it is: It’s hard to think beautiful thoughts when you’re wondering, “Is it happening? Do I feel anything? Woof, woof? Hello, sailor? Naaah.”


After about an hour, however, I was aware of a dramatic change. I had developed a red flush on my face; I was a hot tomato, though not the kind I had planned. I had also developed a horrible headache. The sex pill had turned into a bad joke: Not now, honey, I have a headache.


I put a cold cloth on my head and went to sleep. But here’s where it got good: When I slept, I dreamed; one of those extraordinary, sensual, swimming in silk sort of things. I woke up dazed and glowing with just one thought: I gotta get this baby out on the highway and see what it can do.


A few months later I am fixed up with a guy, and after a time he is, under the Seinfeldian definition of human relations (Saturday night date assumed) my official boyfriend. He is middle aged, in good health. How to describe our romantic life with the delicacy a family publication requires? Perhaps a line from “Veronika, der Lenz ist da” (“Veronica, Spring Is Here”), a song popularized by the German group the Comedian Harmonists: “Veronika, der Spargel Wächst” (“Veronica, the asparagus are blooming”). On the other hand, sometimes not. And so, one day, I put it out there in the manner of sport:


“Want to drop some Viagra?” I say.


Here we go again, falling into what I am beginning to think is an inevitable pattern: lying there like a lox, or two loxes, waiting for the train to pull into the station. (Yes, I know it’s a mixed metaphor, but at least I didn’t bring in the asparagus.) So there we are, waiting. And then, suddenly, spring comes to Suffolk County. It’s such a presence. I’m wondering if I should ask it if it hit traffic on the L.I.E. We sit there staring.


My reaction is less impressive. I don’t get a headache this time. And romantically, things are more so, but not so much that I feel compelled to try the little blue pills again.


Onward roll the years. I have a new man in my life, who is 63. He does have health problems, for which his doctor prescribes an E.D. drug. I no longer have any interest in them. My curiosity has been satisfied. Plus I am deeply in love, an aphrodisiac yet to be encapsulated in pharmaceuticals.


We take a vacation in mountain Mexico. We pop into a drugstore to pick up sunscreen and spot the whole gang, Cialis, Viagra, Levitra, on a shelf at the checkout counter. No prescription needed in Mexico, the clerk says. We buy all three drugs and return to the hotel. I try some, he tries some. In retrospect, given the altitude and his health, we are lucky we did not kill him. I came across an old photo the other day. He is on the bed, the drugs in their boxes lined up a in a semi-circle around him. He looks a bit dazed and his nose is red.


Looking at the picture, I wonder if he had a cold.


Then I remember: the flush, the damn flush. If I had kids, I suppose I would have to lie about it.



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John Duffy of 3C Interactive says he asks job candidates to describe what their first months on the job would be like, partly to “learn what their expectations are, and where they think we’re at.”



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BP to Admit Crimes and Pay $4.5 Billion in Gulf Settlement








LONDON — BP, the British oil company, said Thursday it would pay $4.5 billion in fines and other payments to the United States government and plead guilty to 14 criminal charges in connection with the giant oil spill in the Gulf of Mexico two years ago.







US Coast Guard, via Associated Press

The explosion on the Deepwater Horizon drilling rig in the Gulf of Mexico that was connected to a well owned by BP killed 11 workers and spilled millions of barrels of oil.






The payments include a $4 billion fine to be paid over five years, with much of it to go to government environmental agencies, BP said in a statement.


As part of the settlement, BP pleaded guilty to 11 felony misconduct or neglect charges related to the deaths of 11 people in the Deepwater Horizon accident in 2010, which unleashed millions of barrels of oil into the gulf.


A law enforcement official familiar with the case also said that two BP employees would be charged with manslaughter in the case. The United States attorney general, Eric H. Holder Jr., was scheduled to hold a news conference in New Orleans later Thursday.


“Today’s agreement is consistent with BP’s position in the ongoing civil litigation that this was an accident resulting from multiple causes, involving multiple parties, as found by other official investigations,” the company said in a news release.


The company said earlier Thursday it was in advanced talks with the United States about settling all criminal claims stemming from the spill.


Even with a settlement on the criminal claims, BP would still be subject to other claims, including federal civil claims and claims for damages to natural resources.


In particular, this settlement does not include what is potentially the largest penalty: fines under the Clean Water Act. The potential fine for the spill under the Clean Water Act is $1,100 to $4,300 per barrel spilled. That means the fine could be as much as $21 billion, according to Peter Hutton of RBC Capital Markets in London.


BP repeatedly said it would like to reach a settlement with claimants if the terms were reasonable. The unresolved issue of the claims has been weighing on BP’s share price as the oil company has been under pressure from investors to move on from the disastrous oil spill that had hurt the company’s reputation and finances.


An explosion in 2010 on the Deepwater Horizon drilling rig in the Gulf of Mexico that was connected to a well owned by BP killed 11 oil workers and spilled millions of barrels of oil into the surrounding water.


BP in March agreed with the lawyers for plaintiffs to settle claims on economic loss, including from the local seafood industry, and medical claims stemming from the oil spill. BP said at the time it expected the cost of that settlement to be about $7.8 billion, which it will pay from a trust the company set aside to cover such costs.


The company returned to profitability in the third quarter and increased its dividend, it said in October. It has been shrinking as it sold assets to raise funds to pay for costs related to the oil spill.


Stanley Reed contributed reporting from London. Charlie Savage contributed from Washington.


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Heavy Metal Rocker Now Lifts Spirits as the Yogi Raghunath


Casey Kelbaugh for The New York Times


Ray Cappo performing with Youth of Today.







THE packed crowd celebrating the 25th anniversary of Revelation Records at Irving Plaza in Manhattan on an October night was predominately pierced, tattooed and male. The uniform was black T-shirts for hard-core rock bands like Behemoth (“100% Satanic”), Chain of Strength (“True Till Death”) and accessories like a “Sick of It All” baseball cap.




Ray Cappo, 46, one of the label’s founders, took his place on the stage as the singer for the band Youth of Today, and shouted at the mosh pit, “It’s been 20 years but the message is still the same: Tear down the waaaalllll.”


The assembled responded with pumping one-arm salutes and staccato head jerks. Few questioned in the crowd knew that the heavy metal rocker on stage had left the Lower East Side in the late ’80s, spending six years as a celibate monk, changing his name to Raghunath and becoming famous within the yoga world for classes featuring crazy inversions, variation upon variation of headstands, arm stands, handstands: a playbook of anti-gravity poses.


Raghunath left rock in a search for a personal true north, he said in an interview. “The pleasure of fame at a young age was not what it was supposed to be,” he recalled, quickly adding that the band was not Led Zeppelin. “And it was juxtaposed with the sudden death of my father. Any idea of shelter or safety in a material world was getting dismantled.”


He found comfort in studying ancient yogi texts, meditation, chanting and long stints at an ashram in India. “My passion is how to apply ancient philosophy in the modern world,” he said. “I teach a fun class so people come. A strong acrobatic class is the best way to get New York type-A personalities on the mat, and then the class is peppered with song and chanting and philosophy and ancient sacred texts.”


The classes, playfully dubbed Flight School, developed name recognition among yogis — especially fellow teachers — and they can credit or blame Raghunath’s influence with the grade inflation on the mat these days, where open-level classes integrate a crow pose, or what children call frog, transitioning into handstands.


In early October, Raghunath taught a workshop to 40 students at House of Jai, a serene Upper East Side studio. On the surface, it is a stark contrast to the Irving Plaza gig. But in a way, Raghunath’s metamorphosis is not as stark. The Youth of Today was a loud heavy metal band, but one with a message the lead singer characterizes as one of positivity rather than nihilism. The transition to monk guru makes more sense in that context. “We were unique in trying to have a positive attitude,” Raghunath said. “It was a radical message.”


In the class, Raghunath led devotional chanting in a melodic voice, accompanied by the harmonium. Then he began demonstrating poses in slow, controlled motions: in one acrobatic maneuver, he ended up upside down on one arm with legs spread — no wall. By the end of the sequences, he was simply balancing on his head, arms and hands not touching the floor. Assisting students physically, weaving from mat to mat and laughing about the fleeting “sensual pleasure” of hitting the click button on Amazon, he repeated mantras as sweat poured down the students’ faces.


Raghunath began teaching in Los Angeles in 2002, moving in 2008 to New York, where he had attracted a cultlike following at popular studios like Pure Yoga and Kula Yoga Project. His reputation grew: New York Magazine ran his photo doing a twisted human pretzel pose, and he was one of the select elite teachers christened Lululemon ambassadors by the high-end yoga line.


Over a year ago, Raghunath made another radical move. He and his wife, Bridget, who is known as Brij, decided to leave New York City for an upstate town for the well-being of his four children (ages 15, 13, 7 and 5), he said. Catching a Flight class became a little bit like a unicorn spotting. “Watching the ridiculous asanas that he can do is a humbling experience,” said Mike Patton of New York’s Yoga Vida, where Raghunath has helped train teachers. “There’s no one like him, and then he packed up shop.”


Now that his family is settled, Raghunath is back on the circuit. His yoga career is being helped by YAMA Talent (Yoga Artists Management Agency), which is like the Creative Artists Agency for yoga stars. The concept may be anathema to yoga-world purists, but on deck is an embryonic clothing line starting with T-shirts. Next year, there will be two pilgrimages to India, an upstate retreat and continued training of teachers.


Ava Taylor of the agency explained that it has software to keep track of Raghunath bookings and it has worked on a sorely needed update of his Web site, which made its debut in May. “I’m not the most organized person, so with YAMA it’s like having a personal assistant so I can teach,” Raghunath said.


An online series of live Webcam experiences of Raghunath teaching will be introduced soon, with devotional chanting, lectures on philosophy and nutrition, music tutorials and his calling card, crazy poses.


At the House of Jai workshop, Misa Watanabe, visiting from Tokyo, suggested that the yogi’s appeal is broad. “I cannot believe I took a class with him,” she said, seeming surprised when asked how she knew about him. “YouTube,” she answered. Ms. Watanabe shyly went up to Raghunath and asked for a photo. He flashed a charismatic high-voltage grin, equal parts rock star and guru. Then he dashed to catch his flight to India.


Read More..

Heavy Metal Rocker Now Lifts Spirits as the Yogi Raghunath


Casey Kelbaugh for The New York Times


Ray Cappo performing with Youth of Today.







THE packed crowd celebrating the 25th anniversary of Revelation Records at Irving Plaza in Manhattan on an October night was predominately pierced, tattooed and male. The uniform was black T-shirts for hard-core rock bands like Behemoth (“100% Satanic”), Chain of Strength (“True Till Death”) and accessories like a “Sick of It All” baseball cap.




Ray Cappo, 46, one of the label’s founders, took his place on the stage as the singer for the band Youth of Today, and shouted at the mosh pit, “It’s been 20 years but the message is still the same: Tear down the waaaalllll.”


The assembled responded with pumping one-arm salutes and staccato head jerks. Few questioned in the crowd knew that the heavy metal rocker on stage had left the Lower East Side in the late ’80s, spending six years as a celibate monk, changing his name to Raghunath and becoming famous within the yoga world for classes featuring crazy inversions, variation upon variation of headstands, arm stands, handstands: a playbook of anti-gravity poses.


Raghunath left rock in a search for a personal true north, he said in an interview. “The pleasure of fame at a young age was not what it was supposed to be,” he recalled, quickly adding that the band was not Led Zeppelin. “And it was juxtaposed with the sudden death of my father. Any idea of shelter or safety in a material world was getting dismantled.”


He found comfort in studying ancient yogi texts, meditation, chanting and long stints at an ashram in India. “My passion is how to apply ancient philosophy in the modern world,” he said. “I teach a fun class so people come. A strong acrobatic class is the best way to get New York type-A personalities on the mat, and then the class is peppered with song and chanting and philosophy and ancient sacred texts.”


The classes, playfully dubbed Flight School, developed name recognition among yogis — especially fellow teachers — and they can credit or blame Raghunath’s influence with the grade inflation on the mat these days, where open-level classes integrate a crow pose, or what children call frog, transitioning into handstands.


In early October, Raghunath taught a workshop to 40 students at House of Jai, a serene Upper East Side studio. On the surface, it is a stark contrast to the Irving Plaza gig. But in a way, Raghunath’s metamorphosis is not as stark. The Youth of Today was a loud heavy metal band, but one with a message the lead singer characterizes as one of positivity rather than nihilism. The transition to monk guru makes more sense in that context. “We were unique in trying to have a positive attitude,” Raghunath said. “It was a radical message.”


In the class, Raghunath led devotional chanting in a melodic voice, accompanied by the harmonium. Then he began demonstrating poses in slow, controlled motions: in one acrobatic maneuver, he ended up upside down on one arm with legs spread — no wall. By the end of the sequences, he was simply balancing on his head, arms and hands not touching the floor. Assisting students physically, weaving from mat to mat and laughing about the fleeting “sensual pleasure” of hitting the click button on Amazon, he repeated mantras as sweat poured down the students’ faces.


Raghunath began teaching in Los Angeles in 2002, moving in 2008 to New York, where he had attracted a cultlike following at popular studios like Pure Yoga and Kula Yoga Project. His reputation grew: New York Magazine ran his photo doing a twisted human pretzel pose, and he was one of the select elite teachers christened Lululemon ambassadors by the high-end yoga line.


Over a year ago, Raghunath made another radical move. He and his wife, Bridget, who is known as Brij, decided to leave New York City for an upstate town for the well-being of his four children (ages 15, 13, 7 and 5), he said. Catching a Flight class became a little bit like a unicorn spotting. “Watching the ridiculous asanas that he can do is a humbling experience,” said Mike Patton of New York’s Yoga Vida, where Raghunath has helped train teachers. “There’s no one like him, and then he packed up shop.”


Now that his family is settled, Raghunath is back on the circuit. His yoga career is being helped by YAMA Talent (Yoga Artists Management Agency), which is like the Creative Artists Agency for yoga stars. The concept may be anathema to yoga-world purists, but on deck is an embryonic clothing line starting with T-shirts. Next year, there will be two pilgrimages to India, an upstate retreat and continued training of teachers.


Ava Taylor of the agency explained that it has software to keep track of Raghunath bookings and it has worked on a sorely needed update of his Web site, which made its debut in May. “I’m not the most organized person, so with YAMA it’s like having a personal assistant so I can teach,” Raghunath said.


An online series of live Webcam experiences of Raghunath teaching will be introduced soon, with devotional chanting, lectures on philosophy and nutrition, music tutorials and his calling card, crazy poses.


At the House of Jai workshop, Misa Watanabe, visiting from Tokyo, suggested that the yogi’s appeal is broad. “I cannot believe I took a class with him,” she said, seeming surprised when asked how she knew about him. “YouTube,” she answered. Ms. Watanabe shyly went up to Raghunath and asked for a photo. He flashed a charismatic high-voltage grin, equal parts rock star and guru. Then he dashed to catch his flight to India.


Read More..

App Smart: News360, Edge Extended, Need for Speed and Other Great Android Apps





Tablets are changing computing, there’s no doubt. I realized this when I saw my 2-year-old son pick up an iPad and master its basic controls, including discovering a child’s app, in about half an hour. The iPad led the way into this brave new world more or less alone at first. It has taken until now for the sheer pressure of innovation inside Apple’s rivals to lead to some great Android-based tablets finally making a mark.







The Need for Speed Most Wanted app for Android.








The Autumn Tree Live Wallpaper app lets you select different trees and watch their leaves descend.






A "tiled" news item display on News360.






If you’re a new owner of one of these, you’ll be happy to know that there’s many an app that will simultaneously thrill you, inform you and welcome you into the world of tablet computing.


For a great news experience, the free app News360 has to be one of the better news-aggregating ones I’ve seen on any platform. When you first open the app, you are presented with a long list of topics that it can aggregate for your convenience into different categories, from arts through science to zombies.


The app uses this profile to grab news from the Web and present it to you within its elegant interface. This is dominated by picture-based “tiles” for each news article the app collects. Each tile tells you the appropriate category, where the news item came from and when. Tapping on one of these tiles takes you to a new page that contains a screen grab of the original online source, alongside the text the app has collected from the article.


The pleasure of News360 is that you can either satisfy your curiosity by tapping on a link to read the original article or decide you have learned enough and navigate on. You can also mark the article as interesting, save it for reading offline — perhaps on a commute — or share it on a social network. These controls are also accessible from the initial “tiles” screen, where you flip over an article’s tile to see the controls. The flip is accompanied by a very pleasing animation. It’s just a little graphical touch, but small details like this make an app great fun.


Part of the fun of having a new tablet is showing off its graphical prowess. Games are a great way to do this. I’ve had immense fun with Edge Extended (about $3 on Google Play). In this game, you play a multicolored cube that you roll around a blocky terrain to collect targets. You swipe your finger on the screen to make the cube flop onto its faces to move. There are all the classic elements of collecting points, avoiding pitfalls, activating switches and so on. But despite its graphical simplicity, the app is swift-paced and very satisfying; it even gave me that sensation of falling from a height in some of its trickier parts.


If you really want to impress people with your tablet’s screen, then you’ll probably get a kick out of a game like Need for Speed Most Wanted ($7 on Google play). It’s a racing game that uses motion to control steering and simple tap controls to brake, slide the car in a drift or turn on a nitrous turbo boost. True to the “Most Wanted” title, you race on regular roads, not racetracks, and can get in trouble with the police. This app has all the typical racing fun, along with the ability to earn points that unlock better cars and so on. But the standout feature is the attractiveness of the graphics, and the image rendering even includes reflections of passing buildings in puddles. It’s really eye-popping, and it even works on a diminutive tablet like the Nexus 7.


If racing’s not your thing, you may like SoulCraft THD instead. In this hack-and-slash role-playing game, you control your character from above as it fights its way through a fantasy landscape of dungeons and cities. As on a standard computer action game, you can earn spells and improve your character’s powers.


The game is “freemium” so it’s free to download and play, but you have to make in-game purchases with real money to advance quickly. The graphics are slick, but don’t expect the kind of detailed rendering you would see on a gaming PC.


If you want to make your pals who own iPads jealous, turn on an animated background. This shows off the computing power of your tablet and Android’s skills, too.


Right now my tablet is rocking the seasonal Autumn Tree Live Wallpaper, which is $1. You can control all sorts of aspects of the app, including what type of trees wave their autumnal leaves in the wind, and it’s delightful. It’s also something that a stock iPad absolutely can’t do.


Have fun, but here’s a big reminder for you: Not all Android tablets will play nicely with all tablet apps, and some features depend on installing the latest edition of the operating system.


Quick Calls


Fresh and free on Android and iOS is a highly unusual “experimental” game, Curiosity. It’s a cube with faces made of millions of smaller cubes. Players all around the world hack away at these by tapping on their devices. A single prize is hidden inside an unknown number of layers. It’s weirdly fun to play ... One of the earliest and slickest apps for Windows 8/RT devices is the official Wikipedia app (free), which shows the online encyclopedia in its most elegant, graphical format yet.


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Attacks Resume After Israeli Assault Kills Hamas Leader





KIRYAT MALACHI, Israel — Israel and Hamas widened their increasingly deadly conflict over Gaza on Thursday, as a militant rocket killed three civilians in an apartment block in this small southern town. The deaths were likely to lead Israel to intensify its military offensive on Gaza, now in its second day of airstrikes.




In Gaza, the Palestinian death toll rose to 11 as Israel struck what the military described as medium- and long-range rocket and infrastructure sites and rocket-launching squads. The military said it had dispersed leaflets over Gaza warning residents to stay away from Hamas operatives and facilities, suggesting that more was to come.


The regional perils of the situation sharpened, meanwhile, as President Mohamed Morsi of Egypt warned on Thursday that his country stood by the Palestinians against what he termed Israeli aggression, echoing similar condemnation on Wednesday.


“The Egyptian people, the Egyptian leadership, the Egyptian government, and all of Egypt is standing with all its resources to stop this assault, to prevent the killing and the bloodshed of Palestinians,” Mr. Morsi said in nationally televised remarks before a crisis meeting of senior ministers. He also instructed his prime minister to lead a delegation to Gaza on Friday and said he had contacted President Obama to discuss strategies to “stop these acts and doings and the bloodshed and aggression.”


In language that reflected the upheaval in the political dynamics of the Middle East since the overthrow of Hosni Mubarak last year, Mr. Morsi said: “Israelis must realize that we don’t accept this aggression and it could only lead to instability in the region and has a major negative impact on stability and security in the region.”


The thrust of Mr. Morsi’s words seemed confined to diplomatic maneuvers, including calls to the United Nations secretary general, Ban Ki-moon, the head of the Arab League and President Obama.


The 120-nation Nonalignmed Movement, the biggest bloc at the United Nations, added its condemnation of the Gaza airstrikes in a statement released by Iran, the group’s rotating president and one of Israel’s most ardent foes. “Israel, the occupying power, is, once more, escalating its military campaign against the Palestinian people, particularly in the Gaza Strip,” the group’s coordinating bureau said in the statement. The group made no mention of the Palestinian rocket fire but condemned what it called “this act of aggression by the Israelis and their resort to force against the defenseless people” and demanded “decisive action by the U.N. Security Council.”


In his conversation with Mr. Obama, Mr. Morsi said, he “clarified Egypt’s role and Egypt’s position; our care for the relations with the United States of America and the world; and at the same time our complete rejection of this assault and our rejection of these actions, of the bloodshed, and of the siege on Palestinians and their suffering.”


Mr. Obama had agreed to speak with Israeli leaders, Mr. Morsi said.


The Thursday’ deaths in Kiryat Malachi were the first casualties on the Israeli side since Israel launched its assault on Gaza, the most ferocious in four years, in response to persistent Palestinian rocket fire.


Southern Israel has been struck by more than 750 rockets fired from Gaza this year that have hit homes and caused injuries. On Thursday, a rocket smashed into the top floor of an apartment building in Kiryat Malachi, about 15 miles north of Gaza. Two men and one woman were killed, according to witnesses at the scene. A baby was among the injured and several Israelis were hospitalized with shrapnel wounds after rockets hit other southern cities and towns, they said.The apartment house was close to a field in a blue-collar neighborhood and the rocket tore open top-floor apartments, leaving twisted metal window frames and bloodstains.


Nava Chayoun, 40, who lives on the second floor, said her husband, Yitzhak, ran up the stairs immediately after the rocket struck and saw the body of a woman on the floor. He rescued two children from the same apartment and afterward, she said, she and her family “read psalms.”


Isabel Kershner reported from Kiryat Malachi, Israel, and Fares Akram from Gaza. Reporting was contributed by Rina Castelnuovo from Kiryat Malachi; Mayy El Sheikh and David D. Kirkpatrick from Cairo; Gabby Sobelman from Jerusalem; Rick Gladstone from New York; and Alan Cowell from Paris.



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Major Retailers Start Selling Financial Products, Challenging Banks





On a recent shopping trip to Costco, Lilly Neubauer picked up paper towels, lentils, carrots — and a home mortgage.




While Ms. Neubauer, 27, said she was surprised to find the warehouse club selling financial products, she and her husband saved about $200 a month by refinancing there this year. She also bought home insurance from Costco, she said, again because it was cheaper there.


“It opened us up to the fact that Costco is more than toilet paper,” said Ms. Neubauer, who lives in Dallas.


As the nation’s largest banks stay stingy with credit and a growing portion of the population has no bank at all, major retailers are stepping into the void. Customers can now withdraw cash at an A.T.M. with a prepaid card from Walmart, take out a loan at Home Depot for a kitchen renovation or kick-start a new venture with a small-business loan from Sam’s Club. This year, Walmart even started to test selling a life insurance policy.


Consumer advocates are torn about the growth of this shadow banking industry. Financial products are making it into the hands of people who otherwise might not qualify for them, but these products are not always subject to the same regulations as bank products are. And to turn a profit, retailers generally have to charge more to people with poor credit or none at all.


“These products can come with high fees and few real protections,” said Norma P. Garcia, a senior lawyer with Consumers Union.


For the retailers, banking products are not huge profit centers but a business strategy, meant to put money into customers’ hands and get them buying more.


“You’ve got to remember, Walmart is intended to be a one-stop shop,” said Charles M. Holley Jr., the company’s chief financial officer.


Retailers were once interested in actually becoming banks. Sears, in the 1980s, tried a “socks and stocks” strategy that included acquiring the Dean Witter brokerage firm. And Wal-Mart Stores sought a banking charter for almost a decade before finally abandoning the quest in 2007.


While supermarket chains have leased space to bank branches for years, they are now offering their own products or teaming with small financial firms to do an end run around big banks. While the banks are likely to bristle at such competition, supporters of the retailers say the stores are stepping into areas that banks have abandoned.


“The banks kind of dropped the ball, and in my mind, and in the consumers’ mind, they left it open for different approaches,” said Robert L. Phillips, a professor at Columbia Business School.


Part of the lure is the so-called underbanked population — people who use few, if any, bank services. The Federal Deposit Insurance Corporation estimates that roughly 10 million households in the United States do not use a bank, up from nine million three years ago. And the agency says 24 million more households have a bank account but still use nonbank financial services, like prepaid cards.


Mr. Holley said that 20 to 25 percent of Walmart customers were unbanked.


“The more kinds of services we can offer our core customer like that, the better for them,” he said.


Last month, Walmart unveiled a prepaid card with American Express. The card operates much like a debit card except that it is not attached to a bank account. It comes with free customer-service telephone support, and fees are relatively low, but the account is not backed by the F.D.I.C.


Frustrated with the fees charged by her bank, Nancy Fry, a real estate broker in Logan, Utah, bought a prepaid card from Walmart this year. But this was even worse, she said — she was charged $3 every time she loaded money onto the card. “I really don’t have very much money and can’t afford these fees,” she said.


Consumer advocates complain that prepaid cards are loosely regulated and can cannibalize the money put on them. Consumer lawyers have pushed for greater disclosure of fees and more stringent regulation of the card providers. The government is expected to issue new rules this year.  


Walmart began to test selling a one-year MetLife life insurance policy this year, and customers can wire money or pay bills at any Walmart store.


Costco is also courting customers who are fed up with their banks. “A lot of members think their bank fees are too high, or the trust level has gone down over the years, or they’re having issues with debit and credit cards,” said Jay Smith, Costco’s director of business and financial services.


Costco sells auto and homeowners’ insurance, offers credit card processing for small businesses and began making mortgages in late 2010. It does not make money on the mortgages, which are offered by small lenders, Mr. Smith said. The idea is to get people to renew their store memberships, where Costco makes a large chunk of its profit.


Home Depot, whose customers are mainly homeowners, is trying to increase sales by extending credit to people who would otherwise have trouble getting it. Last year, the company began offering loans of up to $40,000, and this year it extended its no-interest credit card payment terms. “We have the ability to get credit to consumers in this tight credit market, and we wanted people to take advantage of that in a market where people don’t have access to home-equity lines of credit like they used to,” said Dwaine Kimmet, Home Depot’s treasurer and vice president for financial services.


Mr. Kimmet said the loans were especially useful for people who needed emergency items, like a water heater, though shoppers use them for other home décor projects as well.


They are also helpful for Home Depot, whose sales growth has been squeezed by the housing crisis.


Mr. Kimmet said the store loans, unlike home-equity lines of credit, did not require collateral, meaning Home Depot could not seize someone’s house for a failure to pay.


The interest rate on Home Depot’s credit card is higher than that on a typical credit card — 18 percent to 27 percent, depending on credit score, compared with an average of 14.59 percent, according to Bankrate. But Mr. Kimmet said the retailer offered cards to people with credit scores as low as 600, below what many lenders accept.


Other retailers are also trying to make it easier for people to qualify for financial products. Office Depot and Sam’s Club offer loans backed by the government’s Small Business Administration, and both involve quick, one-page initial applications. More than 1,000 Sam’s Club members have used the program since its introduction two years ago, the company said.  


When Kent Prater was about to open a restaurant in Lumberton, N.C., he searched online for loans backed by the Small Business Administration and found that Sam’s Club sold them. He applied online for a $25,000 loan and was approved for a $10,000 loan, with an interest rate of about 10 percent. With a bank, “I think it would probably be a little bit more difficult, because of the environment — the economy and the regulatory environment,” said Mr. Prater, who opened Thai Chili last month.


Paco Underhill, who researches shopper behavior as founder and chief executive of Envirosell, said retailers offering financial products was only the beginning.


“The banks are going to scream bloody murder when retailers try to obtain banking charters,” he said. “But it’s not hard for a retail organization to look across the landscape and say, ‘Who are my customers, and what else could I be selling them?’ ”


Read More..

I Was Misinformed: The Time She Tried Viagra





I have noticed, in the bragging-rights department, that “he doesn’t need Viagra” has become the female equivalent of the male “and, I swear, she’s a real blonde.” Personally, I do not care a bit. To me, anything that keeps you happy and in the game is a good thing.




But then, I am proud to say, I was among the early, and from what I gather, rare female users.


It happened when the drug was introduced around 1998. I was 50, but after chemotherapy for breast cancer — and later, advanced ovarian cancer — I was, hormonally speaking, pretty much running on fumes. Whether this had diminished my sex drive I did not yet know. One may have Zorba-esque impulses when a cancer diagnosis first comes in; but a treatment that leaves you bald, moon-faced and exhausted knocks that out of your system pretty fast.


But by 1998, the cancer was gone, my hair was back and I was ready to get back in the game. I was talking to an endocrinologist when I brought up Viagra. This was not to deal with the age-related physical changes I knew it would not address, it was more along the feminist lines of equal pay for equal work: if men have this new sex drug, I want this new sex drug.


“I know it’s supposed to work by increasing blood flow,” I told the doctor, “But if that’s true for men, shouldn’t it be true for women, too?”


“You’re the third woman who asked me that this week,” he said.


He wrote me a prescription. I was not seeing anyone, so I understood that I would have to do both parts myself, but that was fine. I have a low drug threshold and figured it might be best the first time to fly solo. My memory of the directions are hazy: I think there was a warning that one might have a facial flush or headaches or drop dead of a heart attack; that you were to take a pill at least an hour before you planned to get lucky, and, as zero hour approached, you were supposed to help things along by thinking beautiful thoughts, kind of like Peter Pan teaching Wendy and the boys how to fly.


But you know how it is: It’s hard to think beautiful thoughts when you’re wondering, “Is it happening? Do I feel anything? Woof, woof? Hello, sailor? Naaah.”


After about an hour, however, I was aware of a dramatic change. I had developed a red flush on my face; I was a hot tomato, though not the kind I had planned. I had also developed a horrible headache. The sex pill had turned into a bad joke: Not now, honey, I have a headache.


I put a cold cloth on my head and went to sleep. But here’s where it got good: When I slept, I dreamed; one of those extraordinary, sensual, swimming in silk sort of things. I woke up dazed and glowing with just one thought: I gotta get this baby out on the highway and see what it can do.


A few months later I am fixed up with a guy, and after a time he is, under the Seinfeldian definition of human relations (Saturday night date assumed) my official boyfriend. He is middle aged, in good health. How to describe our romantic life with the delicacy a family publication requires? Perhaps a line from “Veronika, der Lenz ist da” (“Veronica, Spring Is Here”), a song popularized by the German group the Comedian Harmonists: “Veronika, der Spargel Wächst” (“Veronica, the asparagus are blooming”). On the other hand, sometimes not. And so, one day, I put it out there in the manner of sport:


“Want to drop some Viagra?” I say.


Here we go again, falling into what I am beginning to think is an inevitable pattern: lying there like a lox, or two loxes, waiting for the train to pull into the station. (Yes, I know it’s a mixed metaphor, but at least I didn’t bring in the asparagus.) So there we are, waiting. And then, suddenly, spring comes to Suffolk County. It’s such a presence. I’m wondering if I should ask it if it hit traffic on the L.I.E. We sit there staring.


My reaction is less impressive. I don’t get a headache this time. And romantically, things are more so, but not so much that I feel compelled to try the little blue pills again.


Onward roll the years. I have a new man in my life, who is 63. He does have health problems, for which his doctor prescribes an E.D. drug. I no longer have any interest in them. My curiosity has been satisfied. Plus I am deeply in love, an aphrodisiac yet to be encapsulated in pharmaceuticals.


We take a vacation in mountain Mexico. We pop into a drugstore to pick up sunscreen and spot the whole gang, Cialis, Viagra, Levitra, on a shelf at the checkout counter. No prescription needed in Mexico, the clerk says. We buy all three drugs and return to the hotel. I try some, he tries some. In retrospect, given the altitude and his health, we are lucky we did not kill him. I came across an old photo the other day. He is on the bed, the drugs in their boxes lined up a in a semi-circle around him. He looks a bit dazed and his nose is red.


Looking at the picture, I wonder if he had a cold.


Then I remember: the flush, the damn flush. If I had kids, I suppose I would have to lie about it.



Read More..

I Was Misinformed: The Time She Tried Viagra





I have noticed, in the bragging-rights department, that “he doesn’t need Viagra” has become the female equivalent of the male “and, I swear, she’s a real blonde.” Personally, I do not care a bit. To me, anything that keeps you happy and in the game is a good thing.




But then, I am proud to say, I was among the early, and from what I gather, rare female users.


It happened when the drug was introduced around 1998. I was 50, but after chemotherapy for breast cancer — and later, advanced ovarian cancer — I was, hormonally speaking, pretty much running on fumes. Whether this had diminished my sex drive I did not yet know. One may have Zorba-esque impulses when a cancer diagnosis first comes in; but a treatment that leaves you bald, moon-faced and exhausted knocks that out of your system pretty fast.


But by 1998, the cancer was gone, my hair was back and I was ready to get back in the game. I was talking to an endocrinologist when I brought up Viagra. This was not to deal with the age-related physical changes I knew it would not address, it was more along the feminist lines of equal pay for equal work: if men have this new sex drug, I want this new sex drug.


“I know it’s supposed to work by increasing blood flow,” I told the doctor, “But if that’s true for men, shouldn’t it be true for women, too?”


“You’re the third woman who asked me that this week,” he said.


He wrote me a prescription. I was not seeing anyone, so I understood that I would have to do both parts myself, but that was fine. I have a low drug threshold and figured it might be best the first time to fly solo. My memory of the directions are hazy: I think there was a warning that one might have a facial flush or headaches or drop dead of a heart attack; that you were to take a pill at least an hour before you planned to get lucky, and, as zero hour approached, you were supposed to help things along by thinking beautiful thoughts, kind of like Peter Pan teaching Wendy and the boys how to fly.


But you know how it is: It’s hard to think beautiful thoughts when you’re wondering, “Is it happening? Do I feel anything? Woof, woof? Hello, sailor? Naaah.”


After about an hour, however, I was aware of a dramatic change. I had developed a red flush on my face; I was a hot tomato, though not the kind I had planned. I had also developed a horrible headache. The sex pill had turned into a bad joke: Not now, honey, I have a headache.


I put a cold cloth on my head and went to sleep. But here’s where it got good: When I slept, I dreamed; one of those extraordinary, sensual, swimming in silk sort of things. I woke up dazed and glowing with just one thought: I gotta get this baby out on the highway and see what it can do.


A few months later I am fixed up with a guy, and after a time he is, under the Seinfeldian definition of human relations (Saturday night date assumed) my official boyfriend. He is middle aged, in good health. How to describe our romantic life with the delicacy a family publication requires? Perhaps a line from “Veronika, der Lenz ist da” (“Veronica, Spring Is Here”), a song popularized by the German group the Comedian Harmonists: “Veronika, der Spargel Wächst” (“Veronica, the asparagus are blooming”). On the other hand, sometimes not. And so, one day, I put it out there in the manner of sport:


“Want to drop some Viagra?” I say.


Here we go again, falling into what I am beginning to think is an inevitable pattern: lying there like a lox, or two loxes, waiting for the train to pull into the station. (Yes, I know it’s a mixed metaphor, but at least I didn’t bring in the asparagus.) So there we are, waiting. And then, suddenly, spring comes to Suffolk County. It’s such a presence. I’m wondering if I should ask it if it hit traffic on the L.I.E. We sit there staring.


My reaction is less impressive. I don’t get a headache this time. And romantically, things are more so, but not so much that I feel compelled to try the little blue pills again.


Onward roll the years. I have a new man in my life, who is 63. He does have health problems, for which his doctor prescribes an E.D. drug. I no longer have any interest in them. My curiosity has been satisfied. Plus I am deeply in love, an aphrodisiac yet to be encapsulated in pharmaceuticals.


We take a vacation in mountain Mexico. We pop into a drugstore to pick up sunscreen and spot the whole gang, Cialis, Viagra, Levitra, on a shelf at the checkout counter. No prescription needed in Mexico, the clerk says. We buy all three drugs and return to the hotel. I try some, he tries some. In retrospect, given the altitude and his health, we are lucky we did not kill him. I came across an old photo the other day. He is on the bed, the drugs in their boxes lined up a in a semi-circle around him. He looks a bit dazed and his nose is red.


Looking at the picture, I wonder if he had a cold.


Then I remember: the flush, the damn flush. If I had kids, I suppose I would have to lie about it.



Read More..