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Susan Piver

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What I Look For in a Meditative Practice

Posted: 03/24/11 02:29 PM ET

Can I just say I’m thrilled that Russell Brand is a meditator? For some reason, I take personal pride in every newcomer to the practice. I know he's been practicing because I read it in The New York Times, in an article called "Look Who's Meditating Now." The article discussed Brand's practice of Transcendental Meditation, his teacher, film director David Lynch, and Lynch's influence on the culture of meditation. In addition to his foundation that offers free TM instruction to veterans, prisoners, the homeless and others who would not otherwise have access, Lynch has also personally "counseled" (the Times' word) actors on meditation, including Mr. Brand.

The article suggests that the benefits of meditation range from the physical (it helps with obesity and hypertension), to the psychological (it promotes relaxation, makes you less angry), to mitigating artistic angst (Lynch: "Maybe suffering is a romantic idea to get girls, but it's an enemy to creativity"). Dr. Mehmet Oz, Susan Sarandon and Moby were also quoted, and each mentioned in a different way how the practice was about calming down, not freaking out.

The part I liked was how you might think that meditation could help you take on a larger perspective, which is both calming and a more creative way of being. The part I didn't like was how you might also think that meditation could make you a famous, successful celebrity or, a second choice, a smoothly competent person who lives in bliss. I'm not saying this is what TM says, only how it came off in the article -- to me.

I have nothing for or against TM, apart from being basically pro-anything that promotes synchronizaton of mind and body. From what I read, TM seems to be a very cool (as in dispassionate) path. For some people, this could be just right.

I am not one of them. What drew me to my lineage, Shambhala Buddhism, was its heat. There was no mention of calming down. It places emphasis on the value of raging emotions and on meditation as a way to meet them fully and shamelessly. This path could teach me to work with feelings as a source of intelligence rather than embarrassment. The counsel was to turn toward my feelings, open to them, appreciate them for their vividness and, the kicker: to do so without agenda, without trying to make them go away, harvest them for value or turn them into magical messages. Instead, I could trust my own experience as the perfect teacher, finally come home. I don't find mention of this in most descriptions of meditation, of what happens when you value the rich, fertile, uncomfortable, stinky, joyful brilliance of emotion.

My experience of meditation practice has nothing to do with smoothness, and everything to do with becoming basically raw. It has less to do with competence than genuineness. And when it comes to bliss, well, I am more uncertain than ever about what this word even means.

Instead, meditation opens my heart. In doing so, I discover the real reason for my practice, which is the cultivation of compassion in all its forms. I meditate first for myself to create some kind of balance and discipline, and then, in a most important evolution, to be of benefit to others -- to open my heart to this world in order to be genuinely helpful. Meditation wakes you up to your own and others' truths, and in this wakefulness you find both compassion and joy.

You don't often see these described as benefits. As mentioned, like most, this article alluded to health benefits and how it can be a stepping-stone to success or the mysterious "bliss." Meditation is not a practice of happiness, per se, but by helping you discover your own path to compassionate action (or inaction, as the case may be), it creates it anyway.

And of course the article had the requisite poo-pooer, in this case one Dr. Sara Weber, the chairwoman of the Contemplative Studies Project of New York University's postdoctoral program in psychotherapy and psychoanalysis. She said, "Some people report falling apart. They can have very intense and bad emotional experiences." I thought, "Well, yes." Of course. I am one of those people. But I thought that was the good part.

 
 
 

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01:39 AM on 05/03/2011
Finally a discussion of a different type of meditation, id est, not TM. What is the occasion, the return
of some Avatar? I will investigate shambhala as I can no longer afford the TM prices. A TM
advanced technique would suck $1,500 from me, at the very least. The TM sidhis, $5,000!
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budanatr
US Expat in EU
01:09 PM on 04/03/2011
Dear Susan,

Thank you for the lovely article. It always is very interesting to me how TM people seem to feel the need to jump into any conversation where they perceive some slight to TM. I find it best not to respond to them. The meditations at this website, http://1ness4u.wordpress.com/meditation/, seem to coincide with the Shambhala practices.

Whatever one chooses for a practice it seems to be most important that they indeed practice on a regular basis. It is certainly worth the time invested each day.
Take care.
10:34 AM on 04/03/2011
Hi Susan, Thanks for this excellent and thought provoking article and thread. For me, meditation is about getting used to remaining in natural awareness rather than chasing after our thoughts and emotions. What this means is that even when a meditation practitioner is experiencing a breakdown, an intensely negative emotion or a blissful state, they remain present in the knowing of it rather than in the experience. So even while having a breakdown we can discover the part of ourselves that is fundamentally and always ok and the experience itself doesn’t have the power to distract us from remaining in the present moment. Real bliss is not an experience dependant on our meditation state, but is the result of becoming free of attachment to experience. And that is what makes meditation practice so much fun. We don’t need to block off experiences or cultivate calmness or rawness or anything else; we just need to do the practice. We can fully engage in the glory of life without being knocked off center by it. See the article at www.whatmeditationreallyis.com/index.php/lang-en/home-blog/item/80-is-meditation-really-raw-vs-smooth?.html which says quite a bit more on this.
11:06 AM on 04/05/2011
Very interesting article and discussion. thanks
12:32 PM on 04/05/2011
This is a very interesting meeting of views. I love Susan's description of the compassionate heart of meditation and I also enjoyed reading the fuller version of your blog, Erric... Thank you both for sharing these important insights.
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David Nichtern
11:15 AM on 03/30/2011
Hi Susan, Just wanted to join in on this interesting thread.... to present the "yin" to your "yang" ... Shamatha (mindfulness) meditation as taught in Shambhala is often translated as "calm abiding" and there is the notion of settling the mind somewhat .... not by excluding emotions and upheavals that might occur but by including them, which provides space and openness.... within that, the benefits of shamatha are presented as strength, stability and clarity --- not bliss or absorption states and definitely not wealth and fame, but there is the notion of lessening of kleshas (neurotic upheavals) as a sign of progress with this particular practice .... of course it goes on from there --- that kind of stability is just creating ground for further exploration and transformation.... Anyhow... just wanted to chip in.... great to have your voice on line and sending all best, David N.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
05:06 PM on 03/30/2011
Love the chip in. Thanks, Dave.
kellygreen
"Ideology is the Science of Idiots" John Adams
01:16 PM on 03/29/2011
The key is to find the practice that works WITH our conditioning, rather than against it....so that we stick with it long enough to realize the full benefits, and reclaim the contents of our Shadow, and become whole once more.
kellygreen
"Ideology is the Science of Idiots" John Adams
01:14 PM on 03/29/2011
All sincere paths lead to the same destination. The only difference is the route they take to get there...and whether the "skillful means" is suited to the individual practitioner. There is one Dharma...but many different ways of looking at it.

After 15 years of Zen practice, my practice is in a similar place to what you describe. Learning to work with...while at the same time disidentifying with intense emotion. But I came to this point in my practice after first stilling the mind, then disidentifying from my thoughts. Which slowly broke down the wall of intellectualization that I had built to keep the emotions that I'm currently working with repressed.

In my own case, starting out with the sort of emotional practice you describe would likely have not be been possible...or given my own history, "overwhelming" as Dr. Weber cautions.

I think every sincere practitioner comes to the practice with an instinctive knowledge of what it is that they need in order to become whole. What practices will build upon their strengths, while not aggravating their weaknesses, and triggering their vulnerabilities before "the container" is strong enough to hold it in mindfulness. Imo, that instinctive awareness (which seems to be your primary message) should be honored.

Those who work with thought, will eventually face their emotions. Those who work with their emotions, will eventually face the thoughts that fuel them. The beauty of the practice is that its fire burns away all that is not real.
11:42 PM on 03/27/2011
Susan,
Thanks for the wonderful article. I have some friends who do a Shambala practice and they're a wild couple to put it mildly. What I find refreshing about them, and many Tibetan Buddhists adherents in general, is their lack of spiritual facade. When we get a chance to hang out, we'll start out chatting "spiritual things" for about 5 minutes, as if to get it out of the way, and then move on to the important stuff, like 1950's sci-fi movies, our Netflix queues and what we've been reading. Enjoy, but don't be attached...
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Susan Piver
Writer, Shambhala Buddhist teacher/student
09:18 AM on 03/28/2011
It's good to know that you can be a deeply spiritual person who is also completely ordinary. Wait. I think that one without the other is actually not so good...
01:28 PM on 03/28/2011
sPiver, see my comments to tanants, below, or my permalink, last week, for comments to Hufpo's Judith, on meditation.

How about a link to this Shamballa med? thanks
12:56 PM on 04/06/2011
SPiver, see my permalink, today. I want to know about the Bell part of thunderbolt and bell, any references you can help me with?
02:56 PM on 03/27/2011
Emotions are indeed vital to life. And they most helpful to life when they're supported by a fully developed mind. As a writer, I value the balance of mind and heart which results from the regular practice of TM. In the past 40 years, I know I've been making better decisions about everything and enjoying the people in my life more and more as a result.

For thousands of years, great men have taught "Love thy neighbor as thyself," but few have had the ability to follow that advice. Behavior can only improve based on real changes in mind and body.
A mind-body full of stress cannot love fully.

TM washes the windows of perception AND purifies the physiology so that thoughts AND emotions are balanced and most appropriate for the moment at hand. It's not based a mind set or world view.
It's a technique that gives the same results regardless of belief, background, etc.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
09:31 AM on 03/28/2011
Yes, relaxing your mind through whatever means is so healthy.

However, I disagree that a mind-body full of stress cannot love fully. There is no mental state that needs to be gotten rid of in order to love.

I guess it's a chicken-and-egg type situation. Mindfulness-Awareness practice teaches me how to love even when I'm stressed (which I think is very handy) and not wait for any kind of inner peace in order to do so. This, I believe, is called the ability to love unconditionally and it is the aim of my practice, NOT to rid myself of stress or any other feeling/thought whatsoever.

If I had to have inner peace in order to be creative, loving, and so on, I'd be s*#t out of luck. If I may say...
10:51 AM on 03/28/2011
Yes, of course you can love even when stressed, but it's much harder because when you're stressed you can't appreciate others as much, you can't empathize and sympathize as much, you can't perceive as much. Stress is an obstacle to thinking clearly and loving fully.

As stress is removed, love flows more naturally, with less effort. When stress is gone, love is full and automatic.
05:24 PM on 03/26/2011
I agree that a great goal of meditation is to give a more robust enjoyment of emotional life. But in my experience, TM also does this. Compare how you feel after a night of insomnia with how you feel after a good night’s sleep. Tiredness makes for an emotionally flat world, grumpiness, and unhappiness. TM produces a deep rest and coherence that allows you to feel a wider range of emotions more deeply. Perception is clearer, the heart is fuller.

“Love thy neighbor”, and “be compassionate to the all beings” is just what you can’t do if you are stressed out, and what you spontaneously can do after TM practice. I have never known any group of people who were better able to “get down”, “get real”, and have a great time than TMers.

And yes, TM makes you more mindful, but by a different mechanism than mindfulness practices. Mindfulness practices are just that, practices. One practices non-judgmental awareness of the flow of experiences in meditation to try to gain these skills in activity. In TM, one gains a generalize reduced-stress state of global coherence. No special behavior or skill is practiced or intended. Yet, when one comes out of meditation, it has all kinds of benefits, including increased mindfulness. One is more aware of the present, less judgmental, and freer from conditioned responses because the stresses driving those behaviors are being dissolved in meditation.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
10:09 AM on 03/27/2011
I'm glad you have found a practice that brings you all these blessings. I don't know what global coherence is or what you mean by stress specifically, but any practice that opens your heart and makes you more human is good by me!!

Plus, the truth is that often I AM tired, grumpy, and unhappy. When I'm able to remain soft, open, and compassionate even under these circumstances (and worse), then I know that my practice has taught me a kind of unconditional equanimity that can INCLUDE being "stressed." For me, this is simply more realistic.
10:55 AM on 03/27/2011
See http://bit.ly/fpPsnx. At my 6-month TM Teacher Training course Maharishi Mahesh Yogi (who was still teaching these courses personally) told us that meditating *much* more than 20x2 was *required* in order to achieve the "Cosmic Consciousness" that is promised to TM initiates. And that "heavy unstressing" as described in that page was also required in order to get at the big "deep-rooted" stresses that were the last things we needed to get rid of inorder to achieve CC. At that course there were official "heavy unstressing clinics" set up to help people with the consequences of meditating many times a day for months. He said that people weren't told about the need for this level of unstressing *before* beginning TM practice because it might discourage them from starting. This requirement wouldn't be revealed to them until they gradually became more seriously involved.
01:52 PM on 03/28/2011
tanaats, see below for my earlier replies to you. The theme of my meditation comments to Judith will be summarized as 1) it is used, as a healing ‘glue’, to pull things together, thus 2) needs to be more like mom holding a family together ('feminist') in the sense that it preserves culture because society as materialistic maleness is like a car engine flying apart from too much centrifugal force, e.g., the ‘pulling’ greed of bankers (energy going outward, searching for things to ‘hold’) takes the base of spine energy from folks as ‘gold’. Ads and political propaganda complete the process ‘enjoying’ passivity (perhaps dead void heretics ‘enjoy’ this same state). See parable of foolish virgins in Bennett re passivity must be changed to ‘oil’, before death or wrongly, just after death.. If a food shortage came to the USA for the next ten years, we would starve to death--folks have lost this ‘cultural’ ability to 'center' themselves, as in a small farming town where all world together. The world "slouches towards Bethlehem...the center cannot hold". A whole group of folks need to be able to 'center' society. (continued)
01:54 PM on 03/28/2011
tanaats (continued). Some people believe that, every 26,000 years, the earth passes through a place in space where a magnetic field 'erases' our memory disc. Even if this place doesn't actually exist, the end result, an ever-faster society, will be the same. We must ‘grow a soul’ that survives the death experience. The right type of meditation (recapitulation of past personal unpleasantness)—balancing ‘dread’--produces a 'glue' that holds us together as we pass over the dividing line between life and death, as in the goal of the Tibetan Book of the Dead, to stay in the flash of light immediately at death. JG Bennett calls this 'glue' 'conscience', which is the yes-no choice of moral absolutes, a choice of one's ‘own’ path, every day. He has a special meaning for 'conscience' but it is about the same as the common usage.

I’m male, and ToniQ has wrongly accused me of being chauvinist :)
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06:59 AM on 03/26/2011
Thank You
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Susan Piver
Writer, Shambhala Buddhist teacher/student
09:55 AM on 03/28/2011
You are welcome!
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Jeanne Ball
Teacher of meditation, David Lynch Foundation
10:16 PM on 03/25/2011
You made some beautiful points. I can see why you would be concerned about any meditation that might dampen one's emotions. I don't think anyone has to worry about that with the TM technique. I have found that it makes one's emotions richer, deeper and more spontaneous. Sometimes it may be appropriate to get angry, excited or sad, and TM certainly helps one be more in tune with what is called for. The nice thing is, along with experiencing the full range of emotions, there is also an underlying silent, wide-awake awareness that just witnesses it all. Maybe you've experienced this with your practice also.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
07:01 AM on 03/26/2011
Yes, your description of the fruits of meditation practice sounds just right.

I'm definitely not saying that TM supports dampening one's emotions while my practice does not. I'm just commenting on the tone of the NYT article and its emphasis on celebrity quotes about how meditation helps them chill out/calm down/get "me out of my mind" as if this was the point of practice. I guess in some way it is--when you truly relax, you see reality. But my fear (and personal experience) is that I might use meditation as a way to get away from my life rather a path of opening to this world with all its joys and sorrows in order to be of benefit. It's easy to think that meditation will help you feel LESS whereas the truth is, as you so beautifully point out, it actually helps you feel MORE. Sometimes we're not quite prepared for that.
01:48 PM on 03/25/2011
Thank you Susan for your article. I agree with that any press that "promotes synchronizaton of mind and body" is wonderful and worthy news. I'm not into the fame thing, but it seems when folks like David Lynch and Susan Sarandon share what works for them, what lights them up, calms them it does speak to people - those folks meditating had little to do with my learning the practice nearly 8 years ago. I just gravitated to it after exploring other meditation practices and for me it worked.

I'm not sure about the hot/cold analogy and everyone's needs are both different and yet the same. I have tried other meditation practices I have found for me that what happens with TM - the transcendence of thought, the whole being relaxation, the expansion of perception, the release of stress (which can look like falling apart - which is I think the "good stuff" because it leaving my body) all seem to conspire to set me up for what happens when I open my eyes and just go about my day, my life. For me there's so much heart opening, more softness, more compassion, sweetness, patience...and yes more coherence, focus and creativity. Thank you for bringing the heart stuff into the conversation. For me it's the part less spoken about but it is so much apart of my practice. :)
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Susan Piver
Writer, Shambhala Buddhist teacher/student
06:31 PM on 03/25/2011
It sounds like you have found just the right practice for you. I'm happy for you!
01:23 PM on 03/25/2011
Thanks for another great post, Susan!

Does anybody promote the use of more than one form of meditation (i.e., mindfulness and TM) together? I have been practicing mindfulness meditation on and (mostly) off for 8 years or so but have been dedicated to daily practice for the past year and a half or so. It's helped me in many ways, including helping me: get in touch with authenticity; differentiate what's happening from what I think about what's happening, and to see how the two often are confused or intertwined; experience things as they are, rather than as I am, and to learn to recognize and accept the difference or when the two get mixed up. In some ways, I believe that mindfulness meditation helps me get in touch with the blissed out place that practitioners of TM describe, because it's my experience that authentic human experience itself -- as opposed to a thought-based interpretation thereof -- is amazing and beautiful. In Judaism, getting the most out of reality and truly living (to me, mindfulness) is the meaning of life.

Having said that, the TM state of bliss and relaxation certainly has piqued my interest. If there weren't a $1,500+ pricetag attached, I'd definitely explore it, which suggests to me that I should explore it anyway.

But I'm wondering if anybody has gone from mindfulness practice to TM, and if so, why -- or if anybody practices both or a hybrid of the two.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
06:06 PM on 03/25/2011
I'd be interested to hear, too.

My feeling is that it's important (at some point) to choose one technique and stay with it, preferably with the guidance of a meditation teacher. Our minds are just too mysterious and tricky--I find that once I start toying with the technique, I'm indulging in something that creates confusion. If you find a technique that is trustworthy (ancient, time-tested, personally resonant), I'd try to go all the way with it. But that's me.
12:02 AM on 03/26/2011
TM is different from mindfulness, in that you are not watching your breath during TM, or watching surroundings or perceptions, etc. Instead you 'transcend.' This means, the mind settles inward to finer and finer states till you go beyond thinking to experience the true nature and deepest inner core of the Self: pure consciousness. The purpose of TM is to enliven this inner field of all possibilities, the limitless reservoir of creativity and intelligence at the source of thought. Daily practice of TM awakens the total potentiality of consciousness, as the mind becomes more saturated with lively creativity and intelligence day by day. One becomes more established in the Self, more awake and fully present in the moment because consciousness is more expanded; this fact is supported by hundreds of published, peer-reviewed research studies showing increased mental performance and improved health from the practice.

TM taught by a non-profit educational organization, and the course fee goes to support TM courses in developing nations where there is no course fee charged, and also to support full-time peace-creating groups around the world whose profession is meditating for world peace.

The TM course includes personal instruction from a qualified TM instructor as well as a lifetime of follow-up meditation instruction at thousands of meditation centers around the US and the world. The David Lynch Foundation is providing full scholarships to students at schools, colleges and universities throughout the country. See www.DavidLynchFoundation.org
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Susan Piver
Writer, Shambhala Buddhist teacher/student
11:08 AM on 03/28/2011
I don't want to "transcend­." I want to BE HERE. That is where all the potential is, I believe.
12:19 PM on 03/25/2011
I also found the the Dr.'s statement that some people "fall apart" and have "intense and bad emotional experiences" kind of funny. Because that is what is so beautiful about meditation, it allows these repressed feelings to emerge, and you can watch them in a detached way instead of becoming wrapped up in them completely. Sure, it's uncomfortable to highly unpleasant for awhile, but the miracle is that gradually these feelings lose energy, so one day you find yourself smiling at what you once considered a "bad emotional experience". It's like someone saying exercise can be bad because "it can cause your muscles to become sore and your breathing to speed up momentarily" I assume that Dr. isn't a meditator herself, which is strange, because I can;t think of a better way to study meditation than to experience it for yourself.
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Susan Piver
Writer, Shambhala Buddhist teacher/student
12:30 PM on 03/25/2011
I totally appreciate the exercise analogy and agree w you that meditation gives the chance to experience strong emotions in a very important way, although if you're dealing with severe trauma or mental illness, it could actually be bad for you. My guess is that is what Dr. Weber was getting at. Maybe I was being a bit too cute w her words!!
08:30 AM on 03/25/2011
Thanks for the stimulating piece. I respect Shambala immensely and have friends on this path—we have good conversation about the surface differences between TM and Buddhism.

Long ago, searching for knowledge beyond what I was learning in school—I became enthralled with Buddhism, practiced it with fervor and continue to savor Buddhist writings.

True there's an element of calming down in TM, but that's exactly half the story. Transcending is a mind/body state of "restful alertness." The alertness aspect is crucial: it's what makes the transcendental field—the deepest inner core or essence of everyone and everything—dynamic and lively. TM awakens this field of pure potentiality.

This unbounded, universal awareness is beyond mental activity; beyond thinking and emotions; beyond individual mind or self; beyond philosophy, dogma, or agenda. It's pure, vibrant Being—pure existence.

It's also, as ancient texts declare, "Sat Chit Ananda." It contains non-changing truth (sat), consciousness (chit), and bliss (ananda). If one doesn't transcend and go to that field, one may live a life not knowing it exists.

This experience recharges life, thrills the emotions, sharpens the intellect, expands awareness, purifies the nervous system and changes how the brain organizes its neural networks—toward more coherent, integrated functioning.

Transcending the surface, active, or agitated levels of mind twice-daily doesn't spur one to shy away from emotions. It empowers one with the ability to function from the deepest, most energized fields of experience.

Meditation rocks. But also it rolls. Quietly.

Tom
www.MeditationAsheville.org
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Susan Piver
Writer, Shambhala Buddhist teacher/student
08:56 AM on 03/25/2011
This is really helpful and beautiful. THank you.
02:45 PM on 03/25/2011
TM is actually the polar opposite of Buddhist mindfulness meditation. Buddhist meditation develops mindfulness, however TM develops mind**less**ness. By that I mean that the objective of TM is to completely lose track of oneself and one's thoughts, to completely blank out. TM practitioners are *told* that this is "Pure Awareness" but in fact it is the gap between having had thoughts and then later realizing that one wasn't having them, i.e. the period of the blank-out. "Maharishi" Mahesh "Yogi" was a false guru. Stick to teachers who will not sell you levitation and invisibility instruction for $3000 (and there are lots of good ones in that category).
12:58 PM on 03/28/2011
tanaats, best and most knowledgeable reply! Most don't know mindless from mindful. Yes, he was a scammer. In addition, I object to this thing about a peaceful experience. I like the concept of the Shamballa as being emotional, but I don't know anything about it. I used to do Tibetan shaman vajrayana (David Nichtern, Hufpo, is) and Carlos Castaneda shamanism; now I'm nothing except a peripatetic--I take the dogs and walk a few hours where there are no people, a lot of thots immediately flood in related to comments I made a few hours previously on Hufpo religion pages--thots that want to be written to Hufpo the next day. I see meditation as a dynamic healing, a hooking onto the bad feelings in a person or society, then pulling 'down' a balancing energy, to link. As a psychotherapist, this is called 'regression in service of the ego'; you go 'down' to link with a depressed or psychotic person and bring them back up. Shamans do the same thing when they go, with others, in a spirit canoe into the underworld to retrieve a lost part of the person's 'soul'. Long-term meditation becomes self-indulgence. Yes, some folks have bad experiences, for the same reason you don't do deep therapy with people suspected to be potentially psychotic.
06:39 PM on 03/28/2011
Don't know where you got your information but it couldn't be from correct practice of TM. In 40 years of TM practice I've never experienced anything like blanking out. Pure Awareness is just what it sounds like. It's a heightened awareness, not the loss of awareness. There have been hundreds of scientific studies on the higher states of consciousness resulting from TM.

RE: the fee. Anything of value, costs something. TM fees keep the knowledge flowing, especially to those in dire need: homeless, prisoners, Native Americans and those in 3rd nations. And anyone in need can get financial help:

1. Scholarships for Students are offered by the David Lynch's foundation
Tel/Fax: 323-874-2467
http://www.davidlynchfoundation.org/scholarships.html

2. Low Interest Loans
Citi-Bank's CitiAssist program now offers very low interest loans to anyone learning TM, with up to 15 years time to repay. 
You apply online and take the course at any TM center. Open to adults or students of any age.  http://www.mum.edu/tmcourse/

3. Employee Benefit
Many companies pay for half or more of the TM fee for employees. Ask your employer. Here's a partial list for the U.S.—
US Post Office, IBM, Motorola, General Motors, Ford Motor Co., Toyota, Tower Companies, US Veterans Admin., AirTel, Bank of America, ESPN-Star Sports, Eveready Industries, GE Capital, Hero Honda, Hewlett Packard, Siemens, and Xerox.