Accountant Retirement Quotes

I can’t cut back. I’ve turned into a sex addict. I get within a foot of Ranger or Morelli and I’m ready to go … and go, and go, and go, and go.” “That’s a lot of going. I’m a retired professional, and it’d be a lot of going even for me. What you need are granny panties. You put on a big ol’ pair of ugly granny panties and you won’t be dropping your drawers no more. And even if you forget in the heat of the moment, and you pull your skirt up over your head, you’re not gonna see no action on account granny panties have a deflating effect on a man. Your man’s gonna be going unh ah, no way am I getting busy with a woman wearing granny panties.

I was born free, and that I might live in freedom I chose the solitude of the fields; in the trees of the mountains I find society, the clear waters of the brooks are my mirrors, and to the trees and waters I make known my thoughts and charms. I am a fire afar off, a sword laid aside. Those whom I have inspired with love by letting them see me, I have by words undeceived, and if their longings live on hope—and I have given none to Chrysostom or to any other—it cannot justly be said that the death of any is my doing, for it was rather his own obstinacy than my cruelty that killed him; and if it be made a charge against me that his wishes were honourable, and that therefore I was bound to yield to them, I answer that when on this very spot where now his grave is made he declared to me his purity of purpose, I told him that mine was to live in perpetual solitude, and that the earth alone should enjoy the fruits of my retirement and the spoils of my beauty; and if, after this open avowal, he chose to persist against hope and steer against the wind, what wonder is it that he should sink in the depths of his infatuation? If I had encouraged him, I should be false; if I had gratified him, I should have acted against my own better resolution and purpose. He was persistent in spite of warning, he despaired without being hated. Bethink you now if it be reasonable that his suffering should be laid to my charge. Let him who has been deceived complain, let him give way to despair whose encouraged hopes have proved vain, let him flatter himself whom I shall entice, let him boast whom I shall receive; but let not him call me cruel or homicide to whom I make no promise, upon whom I practise no deception, whom I neither entice nor receive. It has not been so far the will of Heaven that I should love by fate, and to expect me to love by choice is idle. Let this general declaration serve for each of my suitors on his own account, and let it be understood from this time forth that if anyone dies for me it is not of jealousy or misery he dies, for she who loves no one can give no cause for jealousy to any, and candour is not to be confounded with scorn. Let him who calls me wild beast and basilisk, leave me alone as something noxious and evil; let him who calls me ungrateful, withhold his service; who calls me wayward, seek not my acquaintance; who calls me cruel, pursue me not; for this wild beast, this basilisk, this ungrateful, cruel, wayward being has no kind of desire to seek, serve, know, or follow them. If Chrysostom's impatience and violent passion killed him, why should my modest behaviour and circumspection be blamed? If I preserve my purity in the society of the trees, why should he who would have me preserve it among men, seek to rob me of it? I have, as you know, wealth of my own, and I covet not that of others; my taste is for freedom, and I have no relish for constraint; I neither love nor hate anyone; I do not deceive this one or court that, or trifle with one or play with another. The modest converse of the shepherd girls of these hamlets and the care of my goats are my recreations; my desires are bounded by these mountains, and if they ever wander hence it is to contemplate the beauty of the heavens, steps by which the soul travels to its primeval abode.

The concept of deferred gratification, or sacrificing now to save for the future, can be helpful in setting aside money in a retirement account for old age. It can also serve as an effective rationalization for life avoidance.

Lukewarm people do not live by faith; their lives are structured so they never have to. They don't have to trust God if something unexpected happens- they have their savings account. They don't need God to help them- they have their retirement plan in place. They don't genuinely seek out what life God would have them live- they have life figured and mapped out. They don't depend on God on a daily basis- their refrigerators are full and, for the most part, they are in good health. The truth is, their lives wouldn't look much different if they suddenly stopped believing in God.

...I do not function too well on emotional motivations. I am wary of them. And I am wary of a lot of other things, such as plastic credit cards, payroll deductions, insurance programs, retirement benefits, savings accounts, Green Stamps, time clocks, newspapers, mortgages, sermons, miracle fabrics, deodorants, check lists, time payments, political parties, lending libraries, television, actresses, junior chambers of commerce, pageants, progress, and manifest destiny.

Our lives are always safest, not when we have a good paying job or a big retirement account or when we live in the suburbs with a white picket fence, but when our lives are firmly placed in the hands of God.

I'm banking on my ERA (Eternal retirement account) more than my IRA! Do you have an ERA?

TRUTH: Worry has little to do with waking up. It has little to do with anything of value. Yes, entire industries have been created in homage to worry: auto insurance, health insurance, life insurance, 401(k)s, retirement accounts. But do you not see what all of this is? It is making yourself sick in order to lay up something for a sick day. It is you, Fear, trying to control what cannot be controlled. And what is it you want to control so desperately?

Success should not be based on lavish lifestyles and inflated bank accounts; flaunting your fancy homes and putting your luxuries on display. You can’t build a future on “Bottles” and Benz’s. You can’ retire on rims and Rolexes. You can’t save if you’re always shopping for stilettos. Acquisitions are fleeting. Investments are long-term. A sound future is built on stability, not status.

Would you believe me if I told you that there’s an investment strategy that a seven-year-old could understand, will take you fifteen minutes of work per year, outperform 90 percent of finance professionals in the long run, and make you a millionaire over time?   Well, it is true, and here it is: Start by saving 15 percent of your salary at age 25 into a 401(k) plan, an IRA, or a taxable account (or all three). Put equal amounts of that 15 percent into just three different mutual funds:   A U.S. total stock market index fund An international total stock market index fund A U.S. total bond market index fund.   Over time, the three funds will grow at different rates, so once per year you’ll adjust their amounts so that they’re again equal. (That’s the fifteen minutes per year, assuming you’ve enrolled in an automatic savings plan.)   That’s it; if you can follow this simple recipe throughout your working career, you will almost certainly beat out most professional investors. More importantly, you’ll likely accumulate enough savings to retire comfortably.

the final speech made by the famous Labour firebrand Tony Benn ahead of his retirement as a Labour MP. Benn renounced his hereditary peerage to sit in the Commons and returned to the reasons for his decision in his parliamentary valedictory, listing five questions for any governing institution: “What power have you got? Where did you get it from? In whose interests do you exercise it? To whom are you accountable? And how can we get rid of you?” Benn concluded: “If you cannot get rid of the people who govern you, you do not live in a democratic system.

How'd you know that would help, Grandma? Used to have a regular who had attacks like that all the time. Poor guy. He was an accountant, loveless marriage-most of em were back then-and vaginas scared the bejeezus outta him.

Machiavelli was undoubtedly a man of great observation, acuteness, and industry; noting with appreciative eye whatever passed before him, and with his supreme literary gift turning it to account in his enforced retirement from affairs.

The three Coffeehouse Investor principles offer a sensible starting point for a young college graduate who is starting to contribute to a company-sponsored retirement account. All it takes is a commitment to save and an investment in one simple index fund to build wealth, ignore Wall Street, and get on with your life. Time is on your side.   On

Beyond the costs, significant though they are, if I quit now I know it will irk me every month when I see that retirement check deposited in my bank account. I know that I will look at that money and think 'I let them do this to me.' I'm not going to let these sons of bitches pick my pocket in retirement. I keep thinking about the people who attacked not only me, but the books. They say it was for the first amendment. Well, I'm here for the first amendment too; we have that in common. They also say they did it to protect children. We've got that in common too. I'm all about protecting children and their right to information. If we can have a conversation and not a screaming match around these two foundational principles, there may be hope." Martha Hickson, a New Jersey high school librarian

Inflation is like a moving treadmill. Prices don't stand still — they keep increasing year on year (5.5 per cent per annum over the past 45 years in fact). If you stick your money under the bed, or in a transaction account earning 0.1 per cent interest per annum, then you're doing the equivalent of standing still on that moving treadmill. It's not safe. It's incredibly risky and it will have a devastating impact on your retirement.

this as a pleasing testimony to the strength of the close working relationship we had once had. For a little while after that, I recall, Miss Kenton went on talking more generally about her husband, who is to retire soon, a little early on account of poor health, and of her daughter, who is now married and expecting a child in the autumn. In fact, Miss Kenton gave me her daughter’s address in Dorset, and I must say, I was rather flattered to

The earlier you start making small changes, the more powerfully the Compound Effect works in your favor. Suppose your friend listened to Dave Ramsey’s advice and began putting $250 a month into an IRA when she got her first job after graduating from college at age twenty-three. You, on the other hand, don’t start saving until you’re forty. (Or maybe you started saving a little earlier but cleaned out your retirement account because you didn’t notice any great gains.) By the time your friend is forty, she never has to invest another dollar and will have more than a $1 million by the age of sixty-seven, growing at 8 percent interest compounded monthly. You continue to invest $250 every month until you reach sixty-seven, the normal retirement age for Social Security for those born after 1960. (That means you’re saving for twenty-seven years in contrast to her seventeen years.) When you’re ready to retire, you’ll have less than $300,000 and will have invested $27,000 more than your friend. Even though you saved for many more years and invested much more cash, you still ended up with less than a third of the money you could have had. That’s what happens when we procrastinate and neglect necessary behaviors, habits, and disciplines. Don’t wait another day to start the small disciplines that will lead you in the direction of your goals!

Madoff was not inhumanly monstrous. He was monstrously human. He was greedy for money and praise, arrogantly sure of his own capacity to pull it off, smugly dismissive of skeptics—just like anyone who mortgaged the house to invest in tech stocks, or tapped the off-limits college fund to gamble on a new business, or put all the retirement savings into a hedge fund they didn’t understand, or cheated a little on the tax return or the expense account or the spouse.

[from Some words about 'War and Peace'] For a historian considering the achievement of a certain aim, there are heroes; for the artist treating of a man's relation to all sides of life there cannot and should not be heroes, but there should be men. [...] The historian has to deal with the results of an event, the artist with the fact of the event. An historian in describing a battle says: 'The left flank of such and such an army was advanced to attack such and such a village and drove out the enemy, but was compelled to retire; then the cavalry, which was sent to attack, overthrew...' and so on. But these words have no meaning for the artist and do not actually touch on the event itself. Either from his own experience, or from the letters, memoirs, and accounts, the artist realizes a certain event to himself, and very often (to take the example of a battle) the deductions the historian permits himself to make as to the activity of such and such armies prove to be the very opposite of the artist's deductions. The difference of the results arrived at is also to be explained by the sources from which the two draw their information. For the historian (to keep to the case of a battle) the chief source is found in the reports of the commanding officers and the commander-in-chief. The artist can draw nothing from such sources; they tell him nothing and explain nothing to him. More than that: the artist turns away from them as he finds inevitable falsehood in them. To say nothing of the fact that after any battle the two sides nearly always describe it in quite contradictory ways, in every description of a battle there is a necessary lie, resulting from the need of describing in a few words the actions of thousands of men spread over several miles, and subject to most violent moral excitement under the influence of fear, shame and death.

[...] the Stoics, in sternerlanguage, bid us leave the stage as an actor who hasperformed his part. "Hark ye, friend; you have been a burgher of this great city. What matter whether you have lived in it but five years or three? If you have observed the laws of the corporation, the length or shortness of the time makes no difference. Where is the hardship, then, if Nature, that planted you here, orders your removal? You cannot say you are sent off by a tyrant or an unjust judge. No; you quit the stage as fairly as a player does that has his discharge from the master of the revels. But I have only gone through three acts, and not held out till the end of the fifth, you say. Well, but in life three acts make the play entire. He that ordered the first scene now gives the sign for shutting up the last. You are neither accountable for one nor the other. Therefore, retire well-satisfied, for he by whom you are dismissed is satisfied also” (xii. 36).

To track your money, write down or digitally capture every dollar you spend for one month. Include everything, from your $1,800 mortgage payment to the $4 coffee you grabbed on your way into work. Here, savings counts as an expense, so remember to include any money you put into a savings or retirement account (unless it was taken out of your paycheck—don’t include that). Record each expense regardless of whether you pay by cash, check, debit or credit card, automatic payment, or online transfer.

Thou seest, brother Sancho, the long journey we have before us, and God knows when we shall return, or what leisure or opportunities this business will allow us; I wish thee therefore to retire now to thy chamber, as though thou wert going to fetch something required for the road, and in a trice give thyself if it be only five hundred lashes on account of the three thousand three hundred to which thou art bound; it will be all to the good, and to make a beginning with a thing is to have it half finished.

Replaying in my mind the Martha Stewart, Leonidas Young, and Scooter Libby cases, I argued that if we weren’t going to hold retired generals and CIA directors accountable for blatantly lying during investigations, how could we justify jailing thousands of others for doing the same thing? I believed, and still believe, that Petraeus was treated under a double standard based on class. A poor person, an unknown person—say a young black Baptist minister from Richmond—would be charged with a felony and sent to jail.

Rory and I aren’t terribly close, but we have the easy intimacy of two sisters who can’t fathom what the other finds attractive about their lifestyle, and have long given up trying to convert them. Rory thinks I’m itinerant, badly prepared for the future, wasting an Ivy League degree, and getting a little too old to keep chasing the publishing pipe dream instead of a stable career with benefits and a retirement plan. And I think Rory, who studied accounting at UT Austin and now does precisely that, has such a boring, cookie-cutter, picket-fence life that I’d rather claw out my eyeballs than live it

Cannery Row in Monterey in California is a poem, a stink, a grating noise, a quality of light, a tone, a habit, a nostalgia, a dream. Cannery Row is the gathered and scattered, tin and iron and rust and splintered wood, chipped pavement and weedy lots and junk heaps, sardine canneries of corrugated iron, honky-tonks, restaurants and whore-houses, and little crowded groceries, and laboratories and flop-houses. Its inhabitants are, as the man once said, "whores, pimps, gamblers, and sons of bitches," by which he meant Everybody. Had the man looked through another peep-hole he might have said: "Saints and angels and martyrs and holy men," and he would have meant the same thing. In the morning when the sardine fleet has made a catch, the purse-seiners waddle heavily into the bay blowing their whistles. The deep-laden boats pull in against the coast where the canneries dip their tails into the bay. The figure is advisedly chosen, for if the canneries dipped their mouths into the bay the canned sardines which emerge from the other end would be metaphorically, at least, even more horrifying. Then cannery whistles scream and all over the town men and women scramble into their clothes and come running down to the Row to go to work. Then shining cars bring the upper classes down: superintendents, accountants, owners who disappear into offices. Then from the town pour Wops and Chinamen and Polaks, men and women in trousers and rubber coats and oilcloth aprons. They come running to clean and cut and pack and cook and can the fish. The whole street rumbles and groans and screams and rattles while the silver rivers of fish pour in out of the boats and the boats rise higher and higher in the water until they are empty. The canneries rumble and rattle and squeak until the last fish is cleaned and cut and cooked and canned and then the whistles scream again and the dripping, smelly, tired Wops and Chinamen and Polaks, men and women, straggle out and droop their ways up the hill into the town and Cannery Row becomes itself again-quiet and magical. Its normal life returns. The bums who retired in disgust under the black cypress-tree come out to sit on the rusty pipes in the vacant lot. The girls from Dora's emerge for a bit of sun if there is any. Doc strolls from the Western Biological Laboratory and crosses the street to Lee Chong's grocery for two quarts of beer. Henri the painter noses like an Airedale through the junk in the grass-grown lot for some pan or piece of wood or metal he needs for the boat he is building. Then the darkness edges in and the street light comes on in front of Dora's-- the lamp which makes perpetual moonlight in Cannery Row. Callers arrive at Western Biological to see Doc, and he crosses the street to Lee Chong's for five quarts of beer. How can the poem and the stink and the grating noise-- the quality of light, the tone, the habit and the dream-- be set down alive? When you collect marine animals there are certain flat worms so delicate that they are almost impossible to capture whole, for they break and tatter under the touch. You must let them ooze and crawl of their own will on to a knife blade and then lift them gently into your bottle of sea water. And perhaps that might be the way to write this book-- to open the page and to let the stories crawl in by themselves.

Deep caring about each other's fate does seem to be on the decline, but I do not believe that New Age narcissism is much to blame. The external causes of our moral indifference are a fragmented mass society that leaves us isolated and afraid, an economic system that puts the rights of capital before the rights of people, and a political process that makes citizens into ciphers. These are the forces that allow, even encourage, unbridled competition, social irresponsibility, and the survival of the financially fittest. The executives who brought down the major corporations by taking indecent sums off the top while wage earners of modest means lost their retirement accounts were clearly more influenced by capitalist amorality than by some New Age guru.

Such gratitude! It hurt me to see you lose your professional standing, McGee. Like you were going soft and sentimental. So, through my own account, I put us into Fletcher and rode it up nicely and took us out, and split the bonus right down the middle. It's short-term. It's a check. Pay your taxes. Live a little. It's a longer retirement this time. We can gather up a throng and go blundering around on this licentious craft and get the remorses for saying foolish things while in our cups. We had a salvage contract, idiot, and the fee is comparatively small but fair." "And you are comparatively large but fair." "I think of myself that way. Where did the check go? Into the pocket so fast? Good." he looked at his watch. "I am taking a lady to lunch. Make a nice neat deck there, Captain." And away he went, humming.

SEP-IRA (Self-Employment IRA) Another kind of IRA. As with a traditional IRA, you pay the taxes you owe when you withdraw money—for instance, at retirement age. Made for solopreneurs or companies with a few employees. If you side hustle, you can have a SEP in addition to a trad/Roth IRA and a 401(k), even if you do not work full-time for yourself. This is one of the biggest reasons I was able to hit my $100K goal. Take those tax-advantaged accounts and contribute as much as you can. Maximum yearly contribution: 25 percent of your income, up to $61,000. Solo 401(K) Similar to the employer-sponsored 401(k) plan, except that you’re your own sponsor! You can have a Roth and/or traditional IRA in addition to a solo 401(k). This is an option only if you’re self-employed full-time, and you cannot have both a SEP-IRA and a solo 401(k). Maximum yearly contribution: $20,500.

Here’s a crash course in the economy,” said Hunter. “Americans get up each morning and go to factories and farms and fire stations and work their whole lives, creating actual products you can hold in your hands. Or some service that benefits. I mean, what the fuck’s that about?” “Work isn’t good?” “It’s the damn workers who crashed the economy.” “I thought it was you,” said Serge. “Don’t be a comedian.” Hunter started counting off on his fingers. “They lost their retirement accounts, their mortgages, their homes, even their jobs. Can’t these assholes do anything right?” “You on the other hand?” “We ended up with all the cash. And then the people turned to the government and went, ‘Holy shit! What happened to all our goddamn money? Do something!’ So the government takes even more money from the workers and—this part is absolutely priceless—they give it all to us again! Now you tell me who’s the success story.” “But what’s so hard about accepting free money?” “That’s exactly what I was thinking when half the country screamed, ‘I’ll kick your fucking ass if you give me health care!’ ” “Sounds too good for words,” said Serge. “It’s good enough for one word,” said Hunter. “Socialism.” Serge pounded the bar with his fist. “Fuck socialism.” “Don’t say that!” Hunter took a swig. “I love socialism.” “You do?” Hunter nodded hard. “Finest word in the English language. Just mention socialism, and everyone gets blinded by rage, takes their eyes off us and prints up T-shirts that insult the president.” Bleadoph raised his hands toward the ceiling in exultation. “Thank God he was elected!” “Forgive my ignorance,” said Serge, “but weren’t the bailouts socialism?” Hunter shook his head. “It’s only socialism if the money goes down, not up.” “A toast,” said Serge. “To socialism!” “To socialism!

We have gods called “good education,” “retirement plan,” “personal network,” and “health.” Any of these, and more, can be an idol when they complete this sentence: Whatever happens, it will all be okay because… We all have our own reasons that it’ll all be okay: • because of how much I have in the bank, my home equity, my retirement accounts. I can rely on that. I’ve made responsible decisions, and as long as I keep doing that, everything will be fine. • because the right people are in charge of our country, making the right decisions, appointing the right officials. • because I’m a good person, and so surely good things will come my way too. • because at least I have my family, and they will continue to give me meaning and purpose as I go through my days, even if other things don’t go the way I want. • because I am a hard worker, I’m self-sufficient, and I can take care of myself and those around me no matter what. • because I plan ahead and won’t be caught off guard.

Imagine, for instance, that all of Washington’s 100,000 lobbyists were to go on strike tomorrow.3 Or that every tax accountant in Manhattan decided to stay home. It seems unlikely the mayor would announce a state of emergency. In fact, it’s unlikely that either of these scenarios would do much damage. A strike by, say, social media consultants, telemarketers, or high-frequency traders might never even make the news at all. When it comes to garbage collectors, though, it’s different. Any way you look at it, they do a job we can’t do without. And the harsh truth is that an increasing number of people do jobs that we can do just fine without. Were they to suddenly stop working the world wouldn’t get any poorer, uglier, or in any way worse. Take the slick Wall Street traders who line their pockets at the expense of another retirement fund. Take the shrewd lawyers who can draw a corporate lawsuit out until the end of days. Or take the brilliant ad writer who pens the slogan of the year and puts the competition right out of business. Instead of creating wealth, these jobs mostly just shift it around.

IRA funds became a form of play money for the middle class... Because the pool of capital that made up an IRA could not be withdrawn for twenty or thirty years, many people viewed their IRAs as containing money they could experiment with. They could use an IRA to buy their first stock or their first mutual fund. They could put in in a money market fund first, and then, as they got bolder - and the bull market became more irresistible - shift some of it into something a little riskier. IRAs gave people a way to try on the stock and bond markets for size, to see how they felt, and to become slowly comfortable with the idea of investing. The knowledge that the money couldn't easily be withdrawn acted as a psychological safety net, allowing investors to feel as though they could take a chance or two. If they made a mistake, they reasoned, there was still time to recoup - several decades, perhaps.Over time, many people came to believe that it as imperative to maximize the returns they were getting on their IRA account, even at the risk of taking a loss. How else would they ever have enough to retire on? This, surely, is the classic definition of investment capital.

Kuznets created a metric called Gross National Product, which provided the basis for the Gross Domestic Product (GDP) metric we use today. But Kuznets was careful to emphasise that GDP is flawed. It tallies up the market value of total production, but it doesn’t care whether that production is helpful or harmful. GDP makes no distinction between $100 worth of tear gas and $100 worth of education. And, perhaps more importantly, it does not account for the ecological and social costs of production. If you cut down a forest for timber, GDP goes up. If you extend the working day and push back the retirement age, GDP goes up. If pollution causes hospital visits to rise, GDP goes up. But GDP says nothing about the loss of the forest as habitat for wildlife, or as a sink for emissions. It says nothing about the toll that too much work and pollution takes on people’s bodies and minds. And not only does it leave out what is bad, it also leaves out much of what is good: it doesn’t count most non-monetised economic activities, even when they are essential to human life and well-being. If you grow your own food, clean your own house or care for your ageing parents, GDP says nothing.

Liberals are imperfect. Yes, of course. Liberals need to grow one fucking vertebrae, stop massaging capitalism’s nards, and actually serve their constituents. But, on the other hand, if you look at the actual fucking laws they are trying to pass and the actual fucking leader they are supporting, the Republicans of 2019 literally do not want human beings to have health care. They do not want millennials to be able to earn a living wage, own property, or comfortably retire, ever. They want to expand access to guns and shrink police accountability. They want refugees tossed into concentration camps. They want pregnant people to be forced to incubate and birth unwanted children and for barely pubescent rape victims to die in childbirth. They certainly want to roll back marriage equality, if they can, and they’ve already begun stripping rights and protections from trans people. They want to squeeze every last resource out of our ecosystem until everything you love—manatees, dragonflies, fruit, your grandchildren—either burns or starves or drowns. They want to steal your money and waste it on gold-leafed steaks that they can shit into their gold toilets while they watch the sun swallow the earth. They are very, very bad! Similarly, sometimes Democrats ask you to respect people’s pronouns!

I’m the living dead. I feel no connection to any other human. I have no friends and I don’t really care much about my family any longer. I feel no love for them. I can feel no joy. I’m incapable of feeling physical pleasure. There’s nothing to ever look forward to as a result. I don’t miss anyone or anything. I eat because I feel hunger pangs, but no food tastes like anything I like. I wear a mask when I’m with other people but it’s been slipping lately. I can’t find the energy to hide the heavy weight of survival and its effect on me. I’m exhausted all the time from the effort of just making it through the day. This depression has made a mockery of my memory. It’s in tatters. I have no good memories to sustain me. My past is gone. My present is horrid. My future looks like more of the same. In a way, I’m a man without time. Certainly, there’s no meaning in my life. What meaning can there be without even a millisecond of joy? Ah, scratch that. Let’s even put aside joy and shoot for lower. How about a moment of being content? Nope. Not a chance. I see other people, normal people, who can enjoy themselves. I hear people laughing at something on TV. It makes me cock my head and wonder what that’s like. I’m sure at sometime in my past, I had to have had a wonderful belly laugh. I must have laughed so hard once or twice that my face hurt. Those memories are gone though. Now, the whole concept of “funny” is dead. I stopped going to movies a long time ago. Sitting in a theater crowded with people, every one of them having a better time than you, is incredibly damaging. I wasn’t able to focus for that long anyway. Probably for the best. Sometimes I fear the thought of being normal again. I think I wouldn’t know how to act. How would I handle being able to feel? Gosh it would be nice to feel again. Anything but this terrible, suffocating pain. The sorrow and the misery is so visceral, I find myself clenching my jaw. It physically hurts me. Then I realize that it’s silly to worry about that. You see, in spite of all the meds, the ketamine infusions and other treatments, I’m not getting better. I’m getting worse. I was diagnosed 7 years ago but I’m sure I was suffering for longer. Of course, I can’t remember that, but depression is something that crept up on me. It’s silent and oppressive. I don’t even remember what made me think about going to see someone. But I did and it was a pretty clear diagnosis. So, now what? I keep waking up every morning unfortunately. I don’t fear death any more. That’s for sure. I’ve made some money for the couple of decades I’ve been working and put it away in retirement accounts. I think about how if I was dead that others I once cared for would get that money. Maybe it could at least help them. I don’t know that I’ll ever need it. Even if I don’t end it myself, depression takes a toll on the body. My life expectancy is estimated to be 14 years lower as a result according to the NIH. It won’t be fast enough though. I’m just an empty biological machine that doesn’t know that my soul is gone. My humanity is no more

In other words, you need to be a bureaucracy in order to survive one. This is the overwhelming narrative of modern American economics, that the individual, particularly the individual without a lot of money, is inherently overmatched. He’s a loser. And if he falls into any part of the machine, he goes straight to the bottom. And then there’s the most disturbing truth of all. People assume that a system that favors the rich likes rich people. This isn’t true. Our bureaucracies respond to the money rich people have, and they bend to the legal might the rich can hire, but they don’t give a damn about rich people. You can be rich and still fall into any one of a dozen financial/legal meat grinders, from an erroneously collapsed credit score to a robo-signed foreclosure to a stolen identity to a retirement account vaporized by institutional theft and fraud. The system eats up rich people, too, because it’s not concerned with protecting any individuals, even the rich ones. These bureaucracies accomplish just two things: they make small piles of money smaller and big piles of money bigger. It’s a system that doesn’t care whose hands end up holding the bag, or how long those hands get to hold the bag. It just relentlessly creates and punishes losers, who get to sit beneath an ever-narrowing group of winners, who may or may not stay on top for long. What does get preserved, in all cases, is a small constellation of sprawling, interconnected financial companies, whose names and managements may change (Bear becomes Chase, Wachovia becomes Wells Fargo, etc.), but whose entrenched influence remains the same. In other words, this is a machine that loves and protects money but somehow hates all people.

General Mario Vargas Salinas, now retired from Bolivia’s Eighth Army Division, was one of the young army officers present at Guevara’s burial. It was his duty to accompany an old dump truck carrying the bodies of the six dead rebels, including that of “Che” Guevara, to the airstrip in Vallegrande, Bolivia. Knowing that the facts surrounding the burials were leaking out, he decided that after 28 years the world should know what had happened to “Che” Guevara’s body. At the time, Captain Vargas, who had also led the ambush in which Tamara “Tania” Bunke, Guevara’s lover, was shot dead, said that Guevara was buried early on the morning of October 11th, 1967, at the end of the town’s landing strip. After the gruesome facts became known, the Bolivian government ordered the army to find Guevara's remains for a proper burial. General Gary Prado Salmón, retired, had been the commander of the unit that had captured Guevara. He confirmed General Vargas’ statement and added that the guerrilla fighters had been burned, before dumping their bodies into a mass grave, dug by a bulldozer, at the end of the Vallegrande airstrip. He explained that the body of “Che” Guevara had been buried in a separate gravesite under the runway. The morning after the burials, “Che” Guevara’s brother arrived in Vallegrande, hoping to see his brother’s remains. Upon asking, he was told by the police that it was too late. Talking to some of the army officers, he was told lies or perhaps just differing accounts of the burial, confusing matters even more. The few peasants that were involved and knew what had happened were mysteriously unavailable. Having reached a dead end, he left for Buenos Aires not knowing much more than when he arrived….

As Americans were debating bailouts, individual mandates, and Michelle Obama’s finely toned arms, progressives knew they had a golden opportunity to sneak Common Core through the back door. And that’s just what they did. Remember what Rahm Emanuel, Obama’s first chief of staff, said: “You never want a serious crisis to go to waste.” Common Core was that political philosophy in action. The controllists’ plan was almost perfect. They knew they didn’t have to sell Common Core to lawmakers in individual state legislatures, where citizens would find out about it and demand it be stopped. Instead, they could just go to the individual state boards of education—entities that most Americans don’t even know exist—for permission. In Wisconsin, for example, all it took was one individual, the state superintendent of public instruction, to adopt the standards. It was a devious and brilliant plan, but that didn’t make it foolproof. It wasn’t a given that state school board members would agree to Common Core. Some might sense that it was a ploy to slowly nationalize their state’s education system. To counter that possibility, progressives wrote special funding for the Common Core “initiative” into President Obama’s nearly $800 billion stimulus plan via the “Race to the Top” program. This gave the administration the ability to bribe cash-starved states into adopting Common Core by making it a prerequisite for states to compete for seven-figure education grants. In addition, they delayed the testing component of the standards for several years, thereby giving state bureaucrats several years of zero accountability. Many of these bureaucrats no doubt knew they’d be retired or in a different position by the time the real pain came around.

We came to the city because we wished to live haphazardly, to reach for only the least realistic of our desires, and to see if we could not learn what our failures had to teach, and not, when we came to live, discover that we had never died. We wanted to dig deep and suck out all the marrow of life, to be overworked and reduced to our last wit. And if our bosses proved mean, why then we’d evoke their whole and genuine meanness afterward over vodka cranberries and small batch bourbons. And if our drinking companions proved to be sublime then we would stagger home at dawn over the Old City cobblestones, into hot showers and clean shirts, and press onward until dusk fell again. For the rest of the world, it seemed to us, had somewhat hastily concluded that it was the chief end of man to thank God it was Friday and pray that Netflix would never forsake them. Still we lived frantically, like hummingbirds; though our HR departments told us that our commitments were valuable and our feedback was appreciated, our raises would be held back another year. Like gnats we pestered Management— who didn’t know how to use the Internet, whose only use for us was to set up Facebook accounts so they could spy on their children, or to sync their iPhones to their Outlooks, or to explain what tweets were and more importantly, why— which even we didn’t know. Retire! we wanted to shout. We ha Get out of the way with your big thumbs and your senior moments and your nostalgia for 1976! We hated them; we wanted them to love us. We wanted to be them; we wanted to never, ever become them. Complexity, complexity, complexity! We said let our affairs be endless and convoluted; let our bank accounts be overdrawn and our benefits be reduced. Take our Social Security contributions and let it go bankrupt. We’d been bankrupt since we’d left home: we’d secure our own society. Retirement was an afterlife we didn’t believe in and that we expected yesterday. Instead of three meals a day, we’d drink coffee for breakfast and scavenge from empty conference rooms for lunch. We had plans for dinner. We’d go out and buy gummy pad thai and throat-scorching chicken vindaloo and bento boxes in chintzy, dark restaurants that were always about to go out of business. Those who were a little flush would cover those who were a little short, and we would promise them coffees in repayment. We still owed someone for a movie ticket last summer; they hadn’t forgotten. Complexity, complexity. In holiday seasons we gave each other spider plants in badly decoupaged pots and scarves we’d just learned how to knit and cuff links purchased with employee discounts. We followed the instructions on food and wine Web sites, but our soufflés sank and our baked bries burned and our basil ice creams froze solid. We called our mothers to get recipes for old favorites, but they never came out the same. We missed our families; we were sad to be rid of them. Why shouldn’t we live with such hurry and waste of life? We were determined to be starved before we were hungry. We were determined to be starved before we were hungry. We were determined to decrypt our neighbors’ Wi-Fi passwords and to never turn on the air-conditioning. We vowed to fall in love: headboard-clutching, desperate-texting, hearts-in-esophagi love. On the subways and at the park and on our fire escapes and in the break rooms, we turned pages, resolved to get to the ends of whatever we were reading. A couple of minutes were the day’s most valuable commodity. If only we could make more time, more money, more patience; have better sex, better coffee, boots that didn’t leak, umbrellas that didn’t involute at the slightest gust of wind. We were determined to make stupid bets. We were determined to be promoted or else to set the building on fire on our way out. We were determined to be out of our minds.

The Croft East Dene, Sussex August 11th, 1922 My dear Watson, I have taken our discussion of this afternoon to heart, considered it carefully, and am prepared to modify my previous opinions. I am amenable to your publishing your account of the incidents of 1903, specifically of the final case before my retirement, under the following conditions. In addition to the usual changes that you would make to disguise actual people and places, I would suggest that you replace the entire scenario we encountered (I speak of Professor Presbury's garden. I shall not write of it further here) with monkey glands, or a similar extract from the testes of an ape or lemur, sent by some foreign mystery-man. Perhaps the monkey-extract could have the effect of making Professor Presbury move like an ape - he could be some kind of "creeping man," perhaps? - or possibly make him able to clamber up the sides of buildings and up trees. I would suggest that he grow a tail, but this might be too fanciful even for you, Watson, although no more fanciful than many of the rococo additions you have made in your histories to otherwise humdrum events in my life and work. In addition, I have written the following speech, to be delivered by myself, at the end of your narrative. Please make certain that something much like this is there, in which I inveigh against living too long, and the foolish urges that push foolish people to do foolish things to prolong their foolish lives: There is a very real danger to humanity, if one could live for ever, if youth were simply there for the taking, that the material, the sensual, the worldly would all prolong their worthless lives. The spiritual would not avoid the call to something higher. It would be the survival of the least fit. What sort of cesspool may not our pool world become? Something along those lines, I fancy, would set my mind at rest. Let me see the finished article, please, before you submit it to be published. I remain, old friend, your most obedient servant Sherlock Holmes

The day after setting foot upon the deck of the whale-ship, Snowball was appointed chef de caboose, in which distinguished office he continued for several years; and only resigned it to accept of a similar situation on board a fine bark, commanded by Captain Benjamin Brace, engaged in the African trade. But not that African trade carried on by such ships as the Pandora. No; the merchandise transported in Captain Brace’s bark was not black men, but white ivory, yellow gold-dust, palm-oil, and ostrich-plumes; and it was said, that, after each “trip” to the African coast, the master, as well as owner, of this richly laden bark, was accustomed to make a trip to the Bank of England, and there deposit a considerable sum of money. After many years spent thus professionally, and with continued success, the ci-devant whalesman, man-o’-war’s-man, ex-captain of the Catamaran, and master of the African trader, retired from active life; and, anchored in a snug craft in the shape of a Hampstead Heath villa, is now enjoying his pipe, his glass of grog, and his otium cum dignitate. As for “Little William,” he in turn ceased to be known by this designation. It was no longer appropriate when he became the captain of a first-class clipper-ship in the East Indian trade,—standing upon his own quarter-deck full six feet in his shoes, and finely proportioned at that,—so well as to both face and figure, that he had no difficulty in getting “spliced” to a wife that dearly loved him. She was a very beautiful woman, with a noble round eye, jet black waving hair, and a deep brunette complexion. Many of his acquaintances were under the impression that she had Oriental blood in her veins, and that he had brought her home from India on one of his return voyages from that country. Those more intimate with him could give a different account,—one received from himself; and which told them that his wife was a native of Africa, of Portuguese extraction, and that her name was Lalee. They had heard, moreover, that his first acquaintance with her had commenced on board a slave bark; and that their friendship as children,—afterwards ripening into love,—had been cemented while both were castaways upon a raft—Ocean Waifs in the middle of the Atlantic. The End.

Give us an idea of…” Noya Baram rubs her temples. “Oh, well.” Augie begins to stroll around again. “The examples are limitless. Small examples: elevators stop working. Grocery-store scanners. Train and bus passes. Televisions. Phones. Radios. Traffic lights. Credit-card scanners. Home alarm systems. Laptop computers will lose all their software, all files, everything erased. Your computer will be nothing but a keyboard and a blank screen. “Electricity would be severely compromised. Which means refrigerators. In some cases, heat. Water—well, we have already seen the effect on water-purification plants. Clean water in America will quickly become a scarcity. “That means health problems on a massive scale. Who will care for the sick? Hospitals? Will they have the necessary resources to treat you? Surgical operations these days are highly computerized. And they will not have access to any of your prior medical records online. “For that matter, will they treat you at all? Do you have health insurance? Says who? A card in your pocket? They won’t be able to look you up and confirm it. Nor will they be able to seek reimbursement from the insurer. And even if they could get in contact with the insurance company, the insurance company won’t know whether you’re its customer. Does it have handwritten lists of its policyholders? No. It’s all on computers. Computers that have been erased. Will the hospitals work for free? “No websites, of course. No e-commerce. Conveyor belts. Sophisticated machinery inside manufacturing plants. Payroll records. “Planes will be grounded. Even trains may not operate in most places. Cars, at least any built since, oh, 2010 or so, will be affected. “Legal records. Welfare records. Law enforcement databases. The ability of local police to identify criminals, to coordinate with other states and the federal government through databases—no more. “Bank records. You think you have ten thousand dollars in your savings account? Fifty thousand dollars in a retirement account? You think you have a pension that allows you to receive a fixed payment every month?” He shakes his head. “Not if computer files and their backups are erased. Do banks have a large wad of cash, wrapped in a rubber band with your name on it, sitting in a vault somewhere? Of course not. It’s all data.” “Mother of God,” says Chancellor Richter, wiping his face with a handkerchief.

Meanwhile, Matthew took the empty place beside Daisy’s. “Miss Bowman,” he said softly. Daisy couldn’t manage a word. Her gaze lifted to his smiling eyes, and it seemed that emotions sprang from her in a fountain of warmth. She had to look away from him before she did something foolish. But she remained intensely aware of his body next to hers. Westcliff and Matthew entertained the group with an account of how their carriage had gotten stuck in mire. Luckily they had been helped by a passing farmer with an ox-drawn wagon, but in the process of freeing the vehicle, all participants had been covered with mud from head to toe. And apparently the episode had left the ox in quite an objectionable temper. By the time the story was finished, everyone at the table was chuckling. The conversation turned to the subject of the Shakespeare festival, and Thomas Bowman launched into an account of the visit to Stratford-on-Avon. Matthew asked a question or two, seeming fully engaged in the conversation. Suddenly Daisy was startled to feel his hand slide into her lap beneath the table. His fingers closed over hers in a gentle clasp. And all the while he took part in the conversation, talking and smiling easily. Daisy reached for her wine with her free hand and brought it to her lips. She took one sip, and then another, and nearly choked as Matthew played lightly with her fingers beneath the table. Sensations that had lain quiescent for a week kindled into vibrant life. Still not looking at her, Matthew gently slid something over her ring finger, past the knuckle, until it fit neatly at the base. Her hand was returned to her lap as a footman came to replenish the wine in their glasses. Daisy looked down at her hand, blinking at the sight of the glittering yellow sapphire surrounded by small round diamonds. It looked like a white-petaled flower. Her fingers closed tightly, and she averted her face to hide a betraying flush of pleasure. “Does it please you?” Matthew whispered. “Oh, yes.” That was the extent of their communication at dinner. It was just as well. There was too much to be said, all of it highly private. Daisy steeled herself for the usual long rituals of port and tea after dinner, but she was gratified when it seemed that everyone, even her father, was inclined to retire early. As it appeared the elderly vicar and his wife were ready to return home, the group dispersed without much fanfare. Walking with Daisy from the dining hall, Matthew murmured, “Will I have to scale the outside wall tonight, or are you going to leave your door unlocked?” “The door,” Daisy replied succinctly. “Thank God.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

We've been here three days already, and I've yet to cook a single meal. The night we arrived, my dad ordered Chinese takeout from the old Cantonese restaurant around the corner, where they still serve the best egg foo yung, light and fluffy and swimming in rich, brown gravy. Then there had been Mineo's pizza and corned beef sandwiches from the kosher deli on Murray, all my childhood favorites. But last night I'd fallen asleep reading Arthur Schwartz's Naples at Table and had dreamed of pizza rustica, so when I awoke early on Saturday morning with a powerful craving for Italian peasant food, I decided to go shopping. Besides, I don't ever really feel at home anywhere until I've cooked a meal. The Strip is down by the Allegheny River, a five- or six-block stretch filled with produce markets, old-fashioned butcher shops, fishmongers, cheese shops, flower stalls, and a shop that sells coffee that's been roasted on the premises. It used to be, and perhaps still is, where chefs pick up their produce and order cheeses, meats, and fish. The side streets and alleys are littered with moldering vegetables, fruits, and discarded lettuce leaves, and the smell in places is vaguely unpleasant. There are lots of beautiful, old warehouse buildings, brick with lovely arched windows, some of which are now, to my surprise, being converted into trendy loft apartments. If you're a restaurateur you get here early, four or five in the morning. Around seven or eight o'clock, home cooks, tourists, and various passers-through begin to clog the Strip, aggressively vying for the precious few available parking spaces, not to mention tables at Pamela's, a retro diner that serves the best hotcakes in Pittsburgh. On weekends, street vendors crowd the sidewalks, selling beaded necklaces, used CDs, bandanas in exotic colors, cheap, plastic running shoes, and Steelers paraphernalia by the ton. It's a loud, jostling, carnivalesque experience and one of the best things about Pittsburgh. There's even a bakery called Bruno's that sells only biscotti- at least fifteen different varieties daily. Bruno used to be an accountant until he retired from Mellon Bank at the age of sixty-five to bake biscotti full-time. There's a little hand-scrawled sign in the front of window that says, GET IN HERE! You can't pass it without smiling. It's a little after eight when Chloe and I finish up at the Pennsylvania Macaroni Company where, in addition to the prosciutto, soppressata, both hot and sweet sausages, fresh ricotta, mozzarella, and imported Parmigiano Reggiano, all essential ingredients for pizza rustica, I've also picked up a couple of cans of San Marzano tomatoes, which I happily note are thirty-nine cents cheaper here than in New York.

HE DO THE POLICE IN DIFFERENT VOICES: Part I THE BURIAL OF THE DEAD First we had a couple of feelers down at Tom's place, There was old Tom, boiled to the eyes, blind, (Don't you remember that time after a dance, Top hats and all, we and Silk Hat Harry, And old Tom took us behind, brought out a bottle of fizz, With old Jane, Tom's wife; and we got Joe to sing 'I'm proud of all the Irish blood that's in me, 'There's not a man can say a word agin me'). Then we had dinner in good form, and a couple of Bengal lights. When we got into the show, up in Row A, I tried to put my foot in the drum, and didn't the girl squeal, She never did take to me, a nice guy - but rough; The next thing we were out in the street, Oh it was cold! When will you be good? Blew in to the Opera Exchange, Sopped up some gin, sat in to the cork game, Mr. Fay was there, singing 'The Maid of the Mill'; Then we thought we'd breeze along and take a walk. Then we lost Steve. ('I turned up an hour later down at Myrtle's place. What d'y' mean, she says, at two o'clock in the morning, I'm not in business here for guys like you; We've only had a raid last week, I've been warned twice. Sergeant, I said, I've kept a decent house for twenty years, she says, There's three gents from the Buckingham Club upstairs now, I'm going to retire and live on a farm, she says, There's no money in it now, what with the damage don, And the reputation the place gets, on account off of a few bar-flies, I've kept a clean house for twenty years, she says, And the gents from the Buckingham Club know they're safe here; You was well introduced, but this is the last of you. Get me a woman, I said; you're too drunk, she said, But she gave me a bed, and a bath, and ham and eggs, And now you go get a shave, she said; I had a good laugh, couple of laughs (?) Myrtle was always a good sport'). treated me white. We'd just gone up the alley, a fly cop came along, Looking for trouble; committing a nuisance, he said, You come on to the station. I'm sorry, I said, It's no use being sorry, he said; let me get my hat, I said. Well by a stroke of luck who came by but Mr. Donovan. What's this, officer. You're new on this beat, aint you? I thought so. You know who I am? Yes, I do, Said the fresh cop, very peevish. Then let it alone, These gents are particular friends of mine. - Wasn't it luck? Then we went to the German Club, Us We and Mr. Donovan and his friend Joe Leahy, Heinie Gus Krutzsch Found it shut. I want to get home, said the cabman, We all go the same way home, said Mr. Donovan, Cheer up, Trixie and Stella; and put his foot through the window. The next I know the old cab was hauled up on the avenue, And the cabman and little Ben Levin the tailor, The one who read George Meredith, Were running a hundred yards on a bet, And Mr. Donovan holding the watch. So I got out to see the sunrise, and walked home. * * * * April is the cruellest month, breeding lilacs out of the dead land....

Under these circumstances the most anodyne book was a source of danger from the simple fact that love was alluded to, and woman depicted as an attractive creature; and this was enough to account for all—for the inherent ignorance of Catholics, since it was proclaimed as the preventive cure for temptations—for the instinctive horror of art, since to these craven souls every written and studied work was in its nature a vehicle of sin and an incitement to fall. Would it not really be far more sensible and judicious to open the windows, to air the rooms, to treat these souls as manly beings, to teach them not to be so much afraid of their own flesh, to inculcate the firmness and courage needed for resistance? For really it is rather like a dog which barks at your heels and snaps at your legs if you are afraid of him, but who beats a retreat if you turn on him boldly and drive him off. The fact remains that these schemes of education have resulted, on the one hand, in the triumph of the flesh in the greater number of men who have been thus brought up and then thrown into a worldly life, and on the other, in a wide diffusion of folly and fear, an abandonment of the possessions of the intellect and the capitulation of the Catholic army surrendering without a blow to the inroads of profane literature, which takes possession of territory that it has not even had the trouble of conquering. This really was madness! The Church had created art, had cherished it for centuries; and now by the effeteness of her sons she was cast into a corner. All the great movements of our day, one after the other—romanticism, naturalism—had been effected independently of her, or even against her will. If a book were not restricted to the simplest tales, or pleasing fiction ending in virtue rewarded and vice punished, that was enough; the propriety of beadledom was at once ready to bray. As soon as the most modern form of art, the most malleable and the broadest—the Novel—touched on scenes of real life, depicted passion, became a psychological study, an effort of analysis, the army of bigots fell back all along the line. The Catholic force, which might have been thought better prepared than any others to contest the ground which theology had long since explored, retired in good order, satisfied to cover its retreat by firing from a safe distance, with its old-fashioned match-lock blunderbusses, on works it had neither inspired nor written. The Church party, centuries behind the time, and having made no attempt to follow the evolution of style in the course of ages, now turned to the rustic who can scarcely read; it did not understand more than half of the words used by modern writers, and had become, it must be said, a camp of the illiterate. Incapable of distinguishing the good from the bad, it included in one condemnation the filth of pornography and real works of art; in short, it ended by emitting such folly and talking such preposterous nonsense, that it fell into utter discredit and ceased to count at all. And it would have been so easy for it to work on a little way, to try to keep up with the times, and to understand, to convince itself whether in any given work the author was writing up the Flesh, glorifying it, praising it, and nothing more, or whether, on the contrary, he depicted it merely to buffet it—hating it. And, again, it would have done well to convince itself that there is a chaste as well as a prurient nude, and that it should not cry shame on every picture in which the nude is shown. Above all, it ought to have recognized that vices may well be depicted and studied with a view to exciting disgust of them and showing their horrors.

The Seventh Central Pay Commission was appointed in February 2014 by the Government of India (Ministry of Finance) under the Chairmanship of Justice Ashok Kumar Mathur. The Commission has been given 18 months to make its recommendations. The terms of reference of the Commission are as follows:  1. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure including pay, allowances and other facilities/benefits, in cash or kind, having regard to rationalisation and simplification therein as well as the specialised needs of various departments, agencies and services, in respect of the following categories of employees:-  (i) Central Government employees—industrial and non-industrial; (ii) Personnel belonging to the All India Services; (iii) Personnel of the Union Territories; (iv) Officers and employees of the Indian Audit and Accounts Department; (v) Members of the regulatory bodies (excluding the RBI) set up under the Acts of Parliament; and (vi) Officers and employees of the Supreme Court.   2. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure, concessions and facilities/benefits, in cash or kind, as well as the retirement benefits of the personnel belonging to the Defence Forces, having regard to the historical and traditional parties, with due emphasis on the aspects unique to these personnel.   3. To work out the framework for an emoluments structure linked with the need to attract the most suitable talent to government service, promote efficiency, accountability and responsibility in the work culture, and foster excellence in the public governance system to respond to the complex challenges of modern administration and the rapid political, social, economic and technological changes, with due regard to expectations of stakeholders, and to recommend appropriate training and capacity building through a competency based framework.   4. To examine the existing schemes of payment of bonus, keeping in view, inter-alia, its bearing upon performance and productivity and make recommendations on the general principles, financial parameters and conditions for an appropriate incentive scheme to reward excellence in productivity, performance and integrity.   5. To review the variety of existing allowances presently available to employees in addition to pay and suggest their rationalisation and simplification with a view to ensuring that the pay structure is so designed as to take these into account.   6. To examine the principles which should govern the structure of pension and other retirement benefits, including revision of pension in the case of employees who have retired prior to the date of effect of these recommendations, keeping in view that retirement benefits of all Central Government employees appointed on and after 01.01.2004 are covered by the New Pension Scheme (NPS).   7. To make recommendations on the above, keeping in view:  (i) the economic conditions in the country and the need for fiscal prudence; (ii) the need to ensure that adequate resources are available for developmental expenditures and welfare measures; (iii) the likely impact of the recommendations on the finances of the state governments, which usually adopt the recommendations with some modifications; (iv) the prevailing emolument structure and retirement benefits available to employees of Central Public Sector Undertakings; and (v) the best global practices and their adaptability and relevance in Indian conditions.   8. To recommend the date of effect of its recommendations on all the above.

To be honest, I only have about four hundred months in my life’s checking account if I live into my eighties, and that, for once, seems more important than what’s in my retirement account. I want to do something meaningful and courageous, something that makes me deeply and achingly happy. For once,

To be honest, I only have about four hundred months in my life’s checking account if I live into my eighties, and that, for once, seems more important than what’s in my retirement account. I want to do something meaningful and courageous, something that makes me deeply and achingly happy. For once, I want to hold my breath, close my eyes and jump.

1)  First of all, demographic decline. No one seems to be concerned with this fundamental fact. The burden of older people and the lack of young people are automatically going to produce the following phenomena, which are already beginning but are only going to speed up: the impossibility of paying for retirements and social benefits, the brain drain, and a shortage of creators and innovators. Taxes and burdens, like public debt, will keep on growing all the way to a breakdown. The policies of the European states are not taking these facts into account. Bankruptcy looms. Countries whose population is ageing and declining can no longer be sure of a minimal level of innovation.

So in my total portfolio, including both my personal and retirement accounts, about 60% of my assets are in stocks, mostly in Vanguard’s stock index funds.

Virtually all brokerage firms offer individual retirement accounts (IRAs). There are two main types: traditional and Roth. The main difference between them is tax treatment. Traditional IRAs give you a tax deduction now, and tax-deferred growth for the money in the account; you pay taxes only when you begin to withdraw money. Roth IRAs give you no tax deduction now, but all of the money in the account grows tax-free as long as you don’t take it out early (the after-tax money you put in you can still access penalty-free if you need to).

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

Estate-Planning Checklist (for each of you) • Up-to-date will • Healthcare proxy • Power of attorney • Living will • HIPAA form •  List of what you are bequeathing • Legacy requests •  Where your important documents are kept • What assets you have • Where your accounts are located • Account numbers, PINs, and passwords •  Names of trusted people who know where your car keys, house keys, and safe deposit box keys are kept • Important names and contact information: ○ Attorney/financial adviser/CPA ○ Insurance broker ○ Healthcare providers ○ Estate attorney ○ Bank name and branch office location ○ Safe deposit box location and number

Tell me you shall stand up to injustice 'n prejudice, and embrace scientific evidence without resistance, and I shall retire tomorrow - in peaceful contentment.

I'm paying taxes and have a retirement account on a prostitute's salary?" Dallin just had to ask, because this was a Twilight Zone level of strange, and that was even taking into account that he'd grown fairly used to William's eccentricities.

A withered woman sits in a chair hardly moving, her face red and swollen, her eyesight almost gone, her hearing gone, her breathing scratchy like the rustle of dead leaves on stones. Years pass. There are few visitors. Gradually, the woman gains strength, eats more, loses the heavy lines in her face. She hears voices, music. Vague shadows gather themselves into light and lines and images of tables, chairs, people’s faces. The woman makes excursions from her small house, goes to the market, occasionally visits a friend, drinks tea at cafés in good weather. She takes needles and yarn from the bottom drawer of her dresser and crochets. She smiles when she likes her work. One day her husband, with whitened face, is carried into her house. In hours, his cheeks become pink, he stands stooped over, straightens out, speaks to her. Her house becomes their house. They eat meals together, tell jokes, laugh. They travel through the country, visit friends. Her white hair darkens with brown streaks, her voice resonates with new tones. She goes to a retirement party at the gymnasium, begins teaching history. She loves her students, argues with them after class. She reads during her lunch hour and at night. She meets friends and discusses history and current events. She helps her husband with the accounts at his chemist’s store, walks with him at the foot of the mountains, makes love to him. Her skin becomes soft, her hair long and brown, her breasts firm. She sees her husband for the first time in the library of the university, returns his glances. She attends classes. She graduates from the gymnasium, with her parents and sister crying tears of happiness. She lives at home with her parents, spends hours with her mother walking through the woods by their house, helps with the dishes. She tells stories to her younger sister, is read to at night before bed, grows smaller. She crawls. She nurses.

IN ALL, THERE were nine investigations into Pearl Harbor. The government didn’t waste any time starting theirs. On December 22, 1941, Supreme Court justice Owen Roberts began hearings in Hawaii. A month later, Justice Roberts submitted his findings to President Roosevelt. Admiral Husband E. Kimmel, commander in chief of the Pacific Fleet, and General Walter Short, commanding general of the Hawaiian Department, were both found to be in “dereliction of duty” and were promptly demoted to lesser ranks and retired.

Mutual funds are pools of money that typically are invested in stocks or bonds. If you have a retirement account, there’s a very good chance that you are an investor in one or more mutual funds. When investors buy shares in a mutual fund, they are actually buying an ownership stake in all the stocks or bonds (or both) that the fund owns. The value of the mutual fund shares rises and falls every day with the value of the stocks and bonds in the fund.

At the very top of its hierarchy, I.S.I. was a black-and-white organization, fully subject to discipline and accountability, Mullen told colleagues. In the middle the organization started to go gray, fading into heavily compartmented operations that drew upon mid-level officers, civilians, contractors, and retirees. Then there were retired I.S.I. director-generals or senior brigadiers with their own followings among militants.

Once more, let’s run down the major points of this class: • Consider paying off your mortgage before you retire. • Start planning for how you will be able to keep working well into your 60s. • Save more today so you will be okay if you can’t afford to save in your 60s. • Make it a goal to delay when you start drawing Social Security, so you can earn a benefit that could be 80% bigger than if you start early. • Make sure all your retirement accounts are invested to complement one another. • Decide no later than age 59 if long-term care insurance should be part of your retirement plan.

Secure Man VS Vulnerable Man A secure man is someone who can identify their own weaknesses and improve. He can accept his flaws and maintain his self esteem. He knows his journey is never over, so he always strives for more. He lends strength to others needing a helping hand. He prefers to take the hard right over the easy wrong. He can handle constructive criticism without bitterness. He can provide for himself and his family. He can set goals for himself knowing one day he can achieve them. He is a multitasker. He doesn't make decisions just for the moment; He makes decisions that he knows will benefit and effect his whole life. If this man makes a mistake he will hold himself responsible and correct his mistake. He has confidence in himself and holds no one else accountable for his happiness and/or peace of mind. A sincere understanding of empathy for others, a sense of humility, and humbleness are reinforcing characteristics of this man. A secure man has faith in the Lord. A vulnerable man is someone who depends on others. He can not accomplish routine tasks or deliver on his own. He is always asking for a helping hand and has little or no self esteem. He lives for the moment without a life plan. He doesn't set lifetime goals. A vulnerable man is either too arrogant and ignorant to notice when somebody is trying to help him, so he rebels against those closest to him. A vulnerable man gets angry when things doesn't go his way. He doesn't only complain, he also complains about what others aren't doing for him. He can't provide for himself or others. You can never go to him for advice or will he extend a hand of help to others without wanting something in return. A vulnerable man can not make a decision and lives a reactive life instead of a proactive one. He knows right from wrong...but still decides to go the wrong way because it's the easiest. A vulnerable man seeks an enabler one who will bail them out time and time again. Others notices his individual weaknesses...However he chooses a life of denial and deflection. This man believes it is always someone else's fault and feels entitled to others hard work and efforts. A vulnerable man has no faith in a higher power and thinks he'll never have to answer for the choices made in their life.-27 September 2012-

Police and firefighters always had unions, and they negotiated great retirement packages. You do your twenty or thirty years and you can retire relatively young with a great income for the rest of your life,

Favorable tax treatment isn’t a holy writ. But before saving money over decades in a special account, people need to have faith that future politicians won’t rewrite the rules…. Congress has shown how carelessly it is willing to break its end of the bargain.” —The Wall Street Journal, December 23, 2019

it is not a fun state that we struggle to achieve and then relax, as though we were working at an uncongenial job in order to retire and forget about the work we did to get there. Rather happiness, living happily, is always an ongoing activity. It is an ongoing project, and so very different to accounts in terns of feeling good or getting what you want or being satisfied. This is an account of happiness which emphasizes activity and engagement rather than passive experiences.

Traditional 401(K) or 403(B) Account Typically offered by your employer, a 401(k) account allows you to invest a percentage of your wages for retirement. A 403(b) is the public sector’s equivalent to a 401(k). Investing through a 401(k) or 403(b) is one of the most advantageous ways to invest, since the government is giving you tax breaks. Your employer will sometimes match what you contribute, up to a certain percent. (FreE mONaY!) Remember from our Financial Game Plan that this is the trump card: if you have an employer match, take advantage of it. Maximum yearly contribution: $20,500, which means you can contribute any amount up to that limit. This does not include any employer match, so go crazy. (This and all other retirement account maximums are current for the 2022 tax year.) Individual Retirement Account (IRA) This is an individual retirement account, meaning it’s not tied to your employer. You have to open it up on your own, and it’s yours forever. Good news: you can have both a 401(k) and an IRA! Maximum yearly contribution: $6,000. You technically have fifteen and a half months to contribute that $6,000. The government lets you put money in your IRA during the twelve months of that year, plus the first months of the following year leading up to the tax filing deadline. A little confusing, but stay with me: if you want to contribute to your IRA in 2023, you will have from January to December 2023, plus January to April 15, 2024, to hit that $6,000 max. So, let’s say that you’re rounding out the year of contributions at $4,500. That means you have another three-ish months to get the full $6,000! More time, yay! If we’re already in the new year, and you want the money to specifically go to the previous year’s IRA, you simply need to specify that when you contribute. It’s usually as easy as checking a “previous year” box. Let’s talk about the most common retirement accounts. In addition to the differences above, 401(k) and IRA accounts come in two flavors: traditional and Roth. The main difference between these accounts is in how they’re taxed. In traditional accounts, you won’t pay any taxes on this money until you withdraw it at retirement. You get the tax benefits now. Roth accounts require tax payments now, so you don’t have to pay them later. You get the tax benefits later. In some cases, you can make both traditional and Roth contributions into the same account.

The Financial Priority List Starter emergency fund (three months of living expenses in a high-yield savings account). 1.5.  If your employer matches your contributions to a 401(k) or 403(b) retirement savings account, pay in as much as you can. Pay down high-interest debt (anything with interest over 7 percent). Invest for retirement while also paying off lower-cost debt (again, any debt racking up less than 7 percent in interest, such as most student and car loans, mortgages, and so forth). Save for the Big Life Stuff.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

From the pragmatic standpoint of our culture, such an attitude is very bad for business. It might lead to improvidence, lack of foresight, diminished sales of insurance policies, and abandoned savings accounts. Yet this is just the corrective that our culture needs. No one is more fatuously impractical than the "successful" executive who spends his whole life absorbed in frantic paperwork with the objective of retiring in comfort at sixty-five, when it will be all too late.

Mr. Bentham would answer, that the knowledge which carries virtue along with it, is the knowledge how to take care of number one—a clear appreciation of what is pleasurable, what painful, and what promotes the one and prevents the other. An uneducated man is ever mistaking his own interest, and standing in the way of his own true enjoyments. Useful Knowledge is that which tends to make us more useful to ourselves;—a most definite and intelligible account of the matter, and needing no explanation. But it would be a great injustice, both to Lord Brougham and to Sir Robert, to suppose, when they talk of Knowledge being Virtue, that they are Benthamizing. Bentham had not a spark of poetry in him; on the contrary, there is much of high aspiration, generous sentiment, and impassioned feeling in the tone of Lord Brougham and Sir Robert. They speak of knowledge as something "pulchrum," fair and glorious, exalted above the range of ordinary humanity, and so little connected with the personal interest of its votaries, that, though Sir Robert does obiter talk of improved modes of draining, and the chemical properties of manure, yet he must not be supposed to come short of the lofty enthusiasm of Lord Brougham, who expressly panegyrizes certain ancient philosophers who gave up riches, retired into solitude, or embraced a life of travel, smit with a sacred curiosity about physical or mathematical truth.

I am so fed up with my job. What am I doing there? Will I have to put up with this kind of thing until I retire? Unhappily biding my time in an office doing a job that doesn’t excite me? And, on top of everything, come home and not be able to stop thinking about work? There is never any escape from the petty frictions and irritations of dealing with other people, and having to come down on them about squaring the accounts and books. I might as well be at work right now. My job controls me. A job I don’t want to be doing.

if you’re like most people, you’ll need at least eight times your annual income in retirement accounts. Ten times is better.

Natalie gave him a smile and lifted the mug to her lips. The tea was just right. ‘Who’s the FLO on this?’ Murray asked, referring to the family liaison officer who’d be with the officer breaking the news to Ava’s parents. ‘Tanya Granger. I told her we’d go over later to talk to them. Give them a chance for the news to sink in first.’ Natalie brushed to one side the printed articles they’d retrieved from the Internet, and spoke again. ‘DI Howard Franks led the original investigation. He had to retire from the force soon afterwards on account of his wife’s health. She’s sadly passed away since. He’ll be in any minute to take us through it. Has to drop off his daughters at school first.’ On cue, the ex-detective arrived, dressed in jeans, a sweatshirt and a light-coloured bomber jacket.

Finding the Right Accounting Firm Near You Choosing the right accounting firm is crucial for managing your financial records and ensuring compliance with regulations. Whether you’re a small business owner or an individual in need of tax services, working with a local accounting firm can provide personalized support and expertise. By finding a firm near you, you can establish a close working relationship and enjoy the convenience of in-person consultations, making it easier to address your specific financial needs. Benefits of Working with a Local Accounting Firm One of the main advantages of working with a local accounting firm is the ability to meet face-to-face. This personal interaction helps build trust and fosters a stronger understanding of your financial situation. Local firms are also more familiar with regional tax laws, regulations, and business practices, allowing them to offer tailored solutions that align with your needs. Additionally, local firms often provide quicker response times and more personalized services compared to larger, national firms, which can be beneficial for small businesses and individuals. Services Offered by Accounting Firms Near You Most local accounting firms provide a wide range of services that cater to both businesses and individuals. These services include bookkeeping, tax preparation, payroll management, auditing, and financial consulting. For businesses, accounting firms offer valuable assistance with tax compliance, budgeting, and cash flow management. Individuals can also benefit from services such as personal tax filing, retirement planning, and estate management. Many firms also offer specialized services tailored to specific industries, ensuring that they meet the unique needs of their clients. How to Choose the Best Local Accounting Firm When searching for the best accounting firm near you, it’s important to consider factors like experience, reputation, and the range of services offered. Start by looking for firms that specialize in your industry or financial needs. Additionally, check reviews and ask for recommendations from local businesses or colleagues. It’s also a good idea to schedule an initial consultation to assess the firm’s approach and ensure it aligns with your financial goals. Conclusion In conclusion, finding the right accounting firm near you can significantly enhance your financial management. By working with a local firm, you benefit from personalized services, in-depth regional knowledge, and a close working relationship. With the right partner, you can ensure that your financial records are accurate, compliant, and aligned with your long-term goals.

The Importance of an Accountant for Medical Professionals Medical professionals, including doctors, specialists, and surgeons, often face the challenge of managing both patient care and the financial aspects of their practices. An accountant who specializes in working with medical professionals can alleviate much of this burden. By offering financial expertise tailored to the healthcare industry, accountants help medical professionals maintain the financial health of their practices while ensuring compliance with tax laws and regulations. Unique Financial Challenges in Healthcare Medical professionals face distinct financial challenges that other industries may not encounter. These include managing patient billing, insurance reimbursements, and government payments. Additionally, healthcare professionals often have to handle large expenses for medical equipment and office operations while ensuring they maintain a steady cash flow. With fluctuating income and the need to comply with healthcare regulations, financial management can become complex. A specialized accountant for medical professionals understands these nuances and provides essential support to navigate these challenges effectively. Key Roles of an Accountant for Medical Professionals An accountant plays a critical role in managing the financial side of a medical practice. They assist with bookkeeping, ensuring that all financial records are accurate and up-to-date. Furthermore, they handle tax planning and filing, making sure that healthcare-specific deductions are maximized while ensuring compliance with tax laws. Additionally, accountants offer strategic advice on managing overhead costs, optimizing cash flow, and planning for future financial goals, such as retirement or expanding the practice. Benefits of Hiring a Healthcare-Specific Accountant The benefits of hiring a specialized accountant for medical professionals are numerous. By entrusting financial management to a professional, medical practitioners can focus more on patient care. Specialized accountants understand the unique aspects of healthcare finance, offering tailored solutions that enhance profitability and reduce financial risks. Moreover, they provide peace of mind by ensuring all financial matters are handled efficiently and in compliance with the law. Conclusion In conclusion, medical professionals benefit significantly from hiring an accountant who specializes in healthcare finance. With their expertise, accountants help ensure the smooth operation of the practice while providing strategic financial planning. This allows medical professionals to focus on their primary responsibility—caring for their patients—while maintaining a financially sound practice.

The Importance of an Accountant for Doctors Managing the financial side of a medical practice can be challenging for doctors who already have demanding schedules. This is why having a specialized accountant is essential for doctors. A qualified accountant can help doctors efficiently manage their financial records, optimize tax strategies, and ensure the overall financial health of the practice, allowing physicians to concentrate on patient care. Unique Financial Challenges for Doctors Doctors face unique financial challenges that are specific to the healthcare industry. These include managing income from multiple sources, handling billing systems for patient care, dealing with insurance reimbursements, and navigating complex healthcare regulations. Additionally, doctors often need to invest in high-cost medical equipment and balance personal and business financial planning. Without professional guidance, these financial aspects can become overwhelming. Accountants with expertise in the medical field understand these complexities and can offer valuable support. The Role of an Accountant in a Medical Practice A specialized accountant for doctors provides services that go beyond traditional bookkeeping. They help with financial planning, ensuring that the practice’s income and expenses are balanced effectively. Additionally, they manage payroll, tax filing, and compliance with healthcare regulations. Furthermore, an accountant can provide strategic advice on reducing costs and optimizing cash flow, making the practice more efficient and profitable. Doctors also benefit from tax planning services, ensuring that deductions specific to healthcare professionals are maximized while keeping the practice compliant with tax laws. Benefits of Hiring a Specialized Accountant By hiring an accountant who specializes in working with doctors, medical professionals can streamline their financial operations and reduce the risk of costly errors. This partnership allows doctors to focus on patient care, knowing that the financial side of their practice is being handled efficiently. Moreover, an accountant can provide financial insights that help doctors plan for the future, such as retirement planning or business expansion. Conclusion In conclusion, a specialized accountant is invaluable for doctors who want to ensure the financial success of their practice. With expertise in the unique financial challenges doctors face, accountants provide essential services that allow medical professionals to focus on their patients while maintaining a healthy financial standing.

Let’s take a look at the five major asset classes: Alternative assets, which are usually physical assets like fine watches, real estate, collectible cars, art, and jewelry Stocks, which represent ownership of a piece of a publicly traded company Fixed-income investments such as government bonds and deposit certificates Cash, such as dollar bills, and cash equivalents such as savings accounts, retirement accounts, and 401(k)s Futures and other derivatives, which are contracts between two parties agreeing to buy and sell assets, usually commodities like gold, corn, wheat, or cows, at a future date

Hydoski and a few others supported Harris’s view, even as another point kept being brought up: legal advice from the insurance company. If Harris apologized, “we admit liability,” putting the church’s financial standing, ability to secure loans, maintain property, and pastors’ retirement accounts at risk if Covenant Life was found liable.

However, inspired by the fund, WFIA in November 1973 launched a simpler fund open to all the bank’s institutional clients—seeded with $5 million from Wells Fargo’s own pension fund and an equal amount from Illinois Bell’s retirement system—that would simply seek to mimic the performance of the S&P 500.* At the time, this accounted for about two-thirds of the entire US stock market anyway,20 and the index was “capitalization-weighted”—in other words, the weighting of each company was according to its overall stock market value, and the fund would just have to buy an equal number of shares in each company. By 1976, Samsonite folded the money in its original vehicle into WFIA’s S&P 500 index fund.

To maximize the return of your taxable account, you want to minimize the taxes you pay.

I am breathing in and making my whole body calm and at peace. I am breathing out and making my whole body calm and at peace. This is how one practices.

Ostensibly, the most important governance reform was supposed to be the Right to Information (RTI) Act that aimed to impose greater accountability on the government. It was an NAC initiative. Several senior and retired civil servants cautioned Dr Singh against the RTI, worrying that rather than expose corruption and sloth in government, it would sap initiative and encourage officers to pass the buck. The jury is still out on whether or not RTI was a wise move and what its impact on governance has been. Has it made the government more transparent and accountable or has it made civil servants risk averse and unwilling to take difficult decisions? In UPA-1, when there was considerable euphoria over the RTI Act, few would have imagined that analysts would hold the RTI Act responsible for at least some of the so-called ‘policy paralysis’ that UPA-2 came to be charged with.

For financial services: * I show people how to save for their retirement without ruining their monthly budget. * I show people how to get out of debt fast, and have sparkling good credit. * I show people how to create a savings account from their current monthly expenses. * I show people how to save money on their taxes so they can enjoy more of life instead of less. Yes, it is incredibly easy to get our prospects to say: “Oh really? How does that work?

Basing a [retirement] system on people’s voluntarily saving for 40 years and evaluating the relevant information for sound investment choices is like asking the family pet to dance on two legs,” writes Teresa Ghilarducci, an economics professor and retirement policy expert at the New School for Social Research. “First, figure out when you or your spouse will be laid off or be too sick to work. Second, figure out when you will die. Third, understand you need to save 7 percent of every dollar you earn. Fourth, earn at least 3 percent above inflation on your investments. Fifth, do not withdraw any funds when you lose your job, have a health problem, get divorced, buy a house or send a kid to college. Sixth, time your retirement account withdrawals so the last cent is spent on the day you die.”2 Most

General Gary Prado Salmón, retired, had been the commander of the unit that had captured Guevara. He confirmed General Vargas’ statement and added that the guerrilla fighters had been burned, before dumping their bodies into a mass grave, dug by a bulldozer, at the end of the Vallegrande airstrip. He explained that the body of “Che” Guevara had been buried in a separate gravesite under the runway. The morning after the burials, “Che” Guevara’s younger brother, Juan Martin Guevara, arrived in Vallegrande, hoping to see his brother’s remains. Upon asking, he was told by the police that it was too late. Talking to some of the army officers, he was told lies or perhaps just differing accounts of the burial, confusing matters even more. The few peasants that were involved and knew what had happened were mysteriously unavailable. Having reached a dead end, he left for Buenos Aires not knowing much more than when he arrived.

Every generation of Christians and Muslims yields up its crop of madmen and howlers at the moon, and they always spook the rationalists of their eras. A previous generation noted with concern the Iranian revolution's rhetoric of apocalypse. More than half of American evangelicals believe, or profess to believe, in imminent doomsday. Luckily, most apocalyptic movements sputter out, soften their tone, or turn out to be bluffing. Many of the Iranian revolutionaries who thought the Ayatollah Khomeini would reveal himself as the Mahdi—a messianic figure said my most Shia to have been in hiding since 941—now deny they ever believed such a thing. The ruling mullahs are at least as interested in trade agreements as in nuclear weapons. As for American evangelicals, they claim to believe they live in the end times, but they still contribute to their retirement accounts. There is similar reassurance in the belief that when a jihadist tells you he wants to kill you and billions of others to bring about the end of the world, he is just speaking for effect.

Part 1 Milestones 1. Determine what really matters to you and the steps you need to take to lead a happier life. 2. Get serious about your finances. Figure out how much income you can generate in retirement. 3. Map out exactly what you can expect from Social Security, retirement accounts, pension, and taxable investments. 4. Estimate future expenses and needs. 5. Calculate a realistic budget that helps you find your happiness. It’s a lot, I know! But these five steps will help you lay the groundwork for your retirement.

Thing is, I’ve decided what I’m going to do next. I have to go back to the university, of course. Next semester, I’m cutting back my schedule. I need more freedom. I’m going to transition out, sneak up on retirement. I’m going to get myself one of these!” he exclaimed, smacking the steering wheel. “Mary’s sons are married and have children—they’re great kids, superior stepsons. One lives in Texas, one in Florida. I’m going to put my house on the market and retire by the end of school, just in time to begin traveling. I’m going to see this country one state at a time, and I’m going to drop in on those boys. They both have amazing wives. One has three children, one has two—and even though I’m a stepfather, they call me Papa instead of Grandpa. I’m going to visit them occasionally while I’m traveling, then move on to other sights, then check back in. What do you think of that idea?” Her smile was alive. “It sounds wonderful. You’ll enjoy that. Maybe I’ll even see you now and then in Virgin River.” “Or, you could come along,” he said. “You have all those military boys all over the place. We could check on them, as well. And believe me, once a couple of them get married and have children, the others fall in line. I’ve seen it a million times. As soon as I get an offer on the house—which is a good house and should bring a nice price even in a depressed economy—I’m going to start shopping for a quality RV. I’ve been looking at pictures online. Maureen, you have no idea how high tech these things have become! They now come with expandable sides, two people showers, freezers, big screens in the living room and bedroom, Whirlpool tubs—you name it! How’d you like to have a hot tub on wheels, Maureen?” She looked over at him. He was so excited by his idea, he was actually a little flushed, and she found herself hoping it wasn’t high blood pressure. If the moment ever presented itself, she’d ask about that. But after all his rambling about his future RV, all she could say was, “Come along?” “A perfect solution for both of us,” he said. “We’d have time together, we’d have fun together. We’d see the families, travel…” “George, that’s outrageous. We’ve had a few lunches—” “And we’ll have a few more! We’ll also e-mail, talk on the phone, get together occasionally—in Virgin River, but also in Phoenix and Seattle. We’ll spend the next six months figuring out if we fit as well as it seems we do.” “Long distance? Occasional visits?” she asked doubtfully. “It’ll give you time to look over my accounts to be sure you’re not getting conned out of your retirement.” He laughed at his own joke, slapping his knee. “Of course, with five brawny, overprotective sons you’re relatively safe from a dangerous guy like me.” He glanced at her and his expression was playful. “We’re not young, Maureen. We should be sure we’re attracted to each other and that we get along, but we shouldn’t waste a lot of time. Every day is precious.

On the summits of these heights I found shells such as are picked up at the seaside. The Indians accounted for their appearance there by saying that once a great sea rolled over the face of the country and only one man in a boat escaped with his family. He had sailed about in the boat until the waters retired to their place, and, living there, became the father of all Indians.

Lois Lerner and the tea social gathering scandal In September 2013, following 4 months of public scrutiny, Lois Lerner resigned from her place within the IRS. Lerner had been placed on paid depart in Could the identical 12 months and was subject to a review board which seemed set to fireside her, the choice to resign was successfully forced upon her. While in the Internal Income Service, Lerner had been head of the exempt organizations division, which processed claims from groups making use Billie Lerner New York of for exemption from paying tax. This put her in command of over 900 IRS workers with a budget of practically $100 million. No matter happened to the times the place public officers had been on the level of wetting their pants after they had been caught even stepping on fly. Accountability has been thrown out of the window and this may be evidenced by the truth that in the last few years, not accountability review committee has really held anyone accountable for any improper doing and all they do is find scapegoats. As many would ask how much longer this might go on, Ms. Lerner may as nicely be given a star for her impeccable service to her nation. It is simply a looking out for our personal scenario. As anticipated, this has precipitated outrage among the lots. Before her retirement, Ms. Lerner was on a paid go away as investigations had been on going. After completion of investigations by the committee that was tasked with the responsibility it was really useful that Ms. Lerner be ousted for her participation within the scandal however within the common government model of irony, Ms. Lerner can be allowed to retire with full benefits. Investigations began quickly after and in 2013 the Treasury Inspector General for Tax Administration J. Russell George revealed that certainly the IRS personnel had used inappropriate standards for subjecting organizations to further scrutiny when making use of for tax exempt standing, particularly organizations using the word “Tea Get together.” The admission prompted an uproar of speculation and anger by Republicans, and shortly sufficient Director of the IRS Exempt Organizations division Lois Lerner was targeted as accountable for the scandal. Investigations and hearings followed cumulating in Lerner’s retirement in September 23, 2013.

IRA’s & 401k’s are awesome since they let the magic of compound interest do its thing over time. Think of compound interest as fine wine—it gets better as it ages. There are two types of IRA’s, Roth and Traditional. You can also have a Rollover IRA of each one, where you “rollover” your old 401k from an old employer. Both types, have a contribution limit of $5500 (2016 limit, $6500 if you’re 50+ years old). Here’s an example: If you start at the age of 25 with $5,500 and continue to contribute $5,500 every year until retirement age, your account could be worth a million or more assuming you have a hefty return every year (Google IRA calculator if you don’t believe me).

Involve them with college savings. Even though your kids should contribute to their college education expenses, most parents recognize that the high cost of college effectively puts this burden on the parents. Open an account for each of your children and make contributions to each one equitably. Show them how their fund is growing—and how it compares to the cost of the education they want.

Senator Warren questions SEC chair on broker reforms 525 words By Sarah N. Lynch WASHINGTON (Reuters) - Senator Elizabeth Warren said Friday that the Labor Department should press ahead with brokerage industry reforms, and not be deterred by the Securities and Exchange Commission's plans to adopt its own separate rules.    President Barack Obama, with frequent Wall Street critic Warren at his side, last month called on the Labor Department to quickly move forward to tighten brokerage standards on retirement advice, lending new momentum to a long-running effort to implement reforms aimed at reducing conflicts of interest and "hidden fees." But that effort could be complicated by a parallel track of reforms by the SEC, whose Chair Mary Jo White on Tuesday said she supported moving ahead with a similar effort to hold retail brokers to a higher "fiduciary" standard. "I want to see the Department of Labor go forward now," Warren told Reuters in an interview Friday. "There is no reason to wait for the SEC. There is no question that the Department of Labor has the authority to act to ensure that retirement advisers are serving the best interest of their clients." Warren said that while she has no concerns with the SEC moving forward to write its own rules, she fears its involvement may give Wall Street a hook to try to delay or water down a separate ongoing Labor Department effort to craft tough new rules governing how brokers dole out retirement advice. She also raised questions about White's decision to unveil her position at a conference hosted by the Securities Industry and Financial Markets Association (SIFMA), a trade group representing the interests of securities brokerage firms. Not only is the SEC the lead regulator for brokers, but unlike the Labor Department, it is also bound by law to preserve brokers' commission-based compensation in any new fiduciary rule.     "I was surprised that (Chair) White announced the rule at a conference hosted by an industry trade group that spent several years and millions of dollars lobbying members of Congress to block real action to fix the problem," Warren said. Warren, a Massachusetts Democrat who frequently challenges market regulators as too cozy with industry, stopped short of directly criticizing White. The SEC and SIFMA both declined to comment on Warren's comments. SIFMA has strongly opposed the Labor Department's efforts, fearing its rule will contain draconian measures that would cut broker profits, and in turn, force brokers to pull back from offering accounts and advice to American retirees. It has long advocated for the SEC to take the lead on a rule that would create a new uniform standard of care for brokers and advisers. The SEC has said it has been coordinating with the Labor Department on the rule-writing effort, but on Tuesday White also acknowledged that the two can still act independently of one another because they operate under different laws. The industry and reform advocates have been waiting now for years to see whether the SEC would move to tighten standards.     Warren expressed some skepticism on Friday about whether the SEC will ever in fact actually adopt a rule, saying that for years the agency has talked about taking action, but has not delivered. (Reporting by Sarah N. Lynch; Editing by Christian Plumb)

The reality was, he had this cabin and about a couple thousand dollars that would have to last all winter. There was no hidden bank account, no benefit checks, no retirement. He could put the property up for sale, but there probably wouldn’t be a buyer, maybe for years. He didn’t have things to sell or barter. He could beg her to stay, but he wasn’t sure he’d ever be able to even build her an indoor bathroom. He’d let himself get down to practically nothing, enjoying the deprivation on some screwed-up level. Then Marcie showed up and suddenly he felt like a rich man. Just

Smoking: Your Money, Up in Smoke A decision about $3 million is a big deal, even to the richest among us. The decision to smoke cigarettes is even bigger. Here's how: A pack-a-day smoker will spend about $2,000 a year on cigarettes, which is $5.50 a pack times 365 days in a year. If that person smokes from age 18 through age 65 and the price of cigarettes never goes up, he will have spent $96,000 on cigarettes. That sounds like a lot—that is, until you examine the opportunity cost, or what else he could have done with his cigarette money. If he instead put that $2,000 a year in a Roth Individual Retirement Account (IRA) that earned an 11 percent return, he would accumulate $3 million in tax-free cash at age 65. Three million dollars!

After my sister’s death twenty years before, something in them changed toward me. It seemed that I, as the survivor of the accident, was suspect for having done just that. Survived. I am also sure that since that time I have continued to disappoint them in the choices I have made. I think of these as small disappointments accruing over time like interest in a bank account until it was enough for them to comfortably retire on.

2) 20% of your income: financial obligations. Financial obligations should be your second most important priority. This includes things such as paying off debts and loans or even creating a retirement and an emergency savings account. I realize that a credit card debt could be considered an absolute expense but, for the purposes of this method, it’s a category all on its own. That’s because having to pay back a debt isn’t exactly essential to your

Despite the prevalence of DC plans, 44% of working households have no accumulated savings in a DC plan, and 39% do not even have access to such a program. The situation is worst for low-income working households, as only 25% of households in the lowest quartile of income have accumulated any assets within a DC plan, whereas 81% of households in the top quartile of income have. The discrepancy is significantly explained by plan access. Only 40% of low-income households have access to DC plans, whereas 84% of high-income households do (Government Accountability Office 2017). Another factor is ability, or perceived ability, to make contributions; the data show, obviously, that many lower-income households with access to a DC plan have not contributed to it.

Few Can Stick with 100% Stocks Long-Term Let's say you invested $100,000 into the S&P 500 in January 2007 then slipped into a coma for ten years. When you woke up, you would have been delighted to see your money at $195,000. If you had remained conscious, you would have watched your account value cut in half by May of 2009 . Would you have been able to watch your account fall by 50% and still held on? Or would you have panicked and sold at the bottom?

First, figure out when you and your spouse will be laid off or be too sick to work. Second, figure out when you will die. Third, understand that you need to save 7% of every dollar you earn. (Didn’t start doing that when you were 25, and you are 55 now? Just save 30% of every dollar.) Fourth, earn at least 3% above inflation on your investments, every year. (Easy. Just find the best funds for the lowest price and have them optimally allocated.) Fifth, do not withdraw any funds when you lose your job, have a health problem, get divorced, buy a house, or send a kid to college. Sixth, time your retirement account withdrawals so the last cent is spent the day you die.

The problem for many of us is that it is easy to find rich role models. It’s harder to find wealthy ones because by definition their success is more hidden. There are, of course, wealthy people who also spend a lot of money on stuff. But even in those cases what we see is their richness, not their wealth. We see the cars they chose to buy and perhaps the school they choose to send their kids to. We don’t see the savings, retirement accounts, or investment portfolios. We see the homes they bought, not the homes they could have bought had they stretched themselves thin. The danger here is that I think most people, deep down, want to be wealthy. They want freedom and flexibility, which is what financial assets not yet spent can give you. But it is so ingrained in us that to have money is to spend money that we don’t get to see the restraint it takes to actually be wealthy. And since we can’t see it, it’s hard to learn about it. People are good at learning by imitation. But the hidden nature of wealth makes it hard to imitate others and learn from their ways.

You can open a Roth IRA account at almost any financial institution, from credit unions to discount brokerages such as Fidelity Investments, Charles Schwab, TD Ameritrade, and Vanguard.

A one-year CD will typically charge an early withdrawal penalty of three months or so of interest. For a five-year CD, the penalty might be six to eight months interest. Every CD issuer has its own policy. Be sure you know the rules before you invest. A portfolio of CDs with different maturities can be a smart strategy to increase your overall yield, while reducing the chances you will need to make an early withdrawal. For instance you could invest equal amounts in five different CDs: one-year, two-year, three-year, four-year, and five-year. That way you have some money maturing every year. When the one-year CD matures, invest it in a new five-year. Your two-year CD now has just one more year to go, so it becomes your one-year CD. When it matures, invest that in a five-year CD too. Keep doing this and eventually you will have a portfolio of five-year CDs, with one maturing every year. That will pay you more interest than if you kept all of your money in a one-year CD that you had to reinvest annually. I think the CD ladder can be a terrific option for some of your cash, but if you are aiming for a two-year cash reserve, I would still keep at least six months of that in a simple savings account where

Critical to your journey toward the 0% tax bracket is an understanding of the three basic types of investment accounts. For our purposes, we’re going to refer to these three accounts as buckets of money. The three buckets are taxable, tax-deferred, and tax-free.

A taxable investment is one that requires you to pay taxes on the account’s growth each and every year. Included in this bucket are common, everyday investments like money markets, CDs, stocks, bonds, and mutual funds.

Consider the following example: If you have $100,000 in a CD and it grows 2%, you have a taxable event. You will have $102,000 in your account at the end of the year, but you will have to pay federal and state tax on every last bit of that 2% growth. So, $2,000 gets thrown right on top of all your other income and is taxed at your highest marginal tax rate. Assuming marginal tax rates of 30% (24% federal, 6% state), you would owe the IRS $600. So you didn’t really experience $2,000 of growth, you only experienced $1,400. Thus, your after-tax rate of return on that $100,000 is only 1.4%. This annual taxation is one of the perils of the taxable bucket.

All this unfettered taxation, of course, raises the question, “If these investments are 100% taxable, why have them at all?” The answer is liquidity. Generally speaking, it’s easy to get your hands on these investments, which means that they make for great emergency funds. Financial experts generally agree that we should have roughly six months’ worth of income in these accounts as a buffer against life’s unexpected emergencies. Having too little means that we can be forced to withdraw money from illiquid investments, incurring unwanted taxes or penalties. Having too much, on the other hand, means that we can be disproportionately affected by the rise of taxes over time. From a tax-efficiency perspective, therefore, investments in this bucket should be just the right amount: about six months’ worth of income.

The tax-deferred bucket has become the default investment account for most Americans, primarily because of the ease with which contributions are made. In the case of a 401(k) and other employer-sponsored plans, money gets zapped right out of your check and into a mutual fund portfolio. Out of sight, out of mind—what could be better? Throw in a matching contribution from your employer and it seems like a no-brainer.

The tax-deferred accounts with which Americans are most familiar are 401(k)s and Individual Retirement Accounts (more commonly known as IRAs). Other tax-deferred accounts, such as 403(b)s, 457s, SIMPLES, SEPs, and Keoghs, have different rules that apply to them, but they all generally have two things in common: Contributions are tax-deductible. Generally, when you put money into this bucket, you get a tax deduction. For example, if you make $100,000 this year, and you put $10,000 into your 401(k), your new taxable income is $90,000. Distributions are treated as ordinary income. When you divert a portion of your income to a tax-deferred investment, all you’re really doing is postponing the receipt of that income until a point in time much further down the road. When you take the money out, you pay taxes at whatever the rate happens to be in the year you make the distribution. For that reason, the IRS calls these distributions ordinary income and taxes them accordingly.

When you contribute money to a tax-deferred account, it’s a bit like going into a business partnership with the IRS. The problem is, every year the IRS gets to vote on what percentage of your profits they get to keep.

Once you have a trust, you must decide what assets to put inside the trust. This is called funding the trust, and it requires changing the title of ownership of that asset to the trust. Common assets that you will want to consider owning inside the trust include any real estate you own, and bank and investment accounts that are not retirement accounts.

Ellevest is a robo-advisor that fine-tunes its algorithms for female clients to take into account that women typically have different lifetime salary patterns and longer life expectancies.

was a somewhat overweight accountant who lived in a tiny bungalow, drove a beige sedan, and contributed regularly to her retirement account.

Assets Under Management” Advisors Many people claim that the best advisor is one who is paid as a function of your account size (i.e., your “assets under management” or “AUM”). AUM fees tie the advisor’s interests to yours—or so goes the claim. What they really do is tie the advisor’s interests to your account size, not to your overall financial well-being. For the most part, this is not a problem, but it does present a conflict of interests whenever the most appropriate thing for you to do is liquidate a part of your portfolio (for example, to pay down your mortgage, delay claiming Social Security, or buy a piece of real estate).

If you have been following my advice for years, you are well aware that I think a Roth IRA is the best retirement account you can have.

Many of you have heard me say this repeatedly over the years: There is financial aid for college. There are loans for college. But there is no aid or loans to help you in retirement. There is no aid if you run into a rough patch and you do not have sufficient funds in an emergency savings account to navigate your way out of trouble.

Many losers bet only on sure things such as job security, a steady paycheck, a guaranteed pension, and interest from a bank account.

An investor is a person who actively manages his or her own portfolio or account.

Come again soon,’ Glyn said, as he gave her a final kiss. CHAPTER SIXTEEN THIS MORNING, Jeremy had invited two old friends to come round for a rubber or two of bridge after supper. One of them, Walter Collingwood, had spent most of his working life in their office. He’d been a friend as well as a colleague and Jeremy had eventually made him chief accountant. He’d retired before the war, but when Jeremy had asked him he’d come back to help. Jeremy admired Walter and knew him to be hard-working and trustworthy. The other, Veronica Terry, was almost family. She

The way the experts typically see it is that fat storage works as a kind of long-term savings account—like a retirement account that you can dip into only in dire need. The idea is that your body takes excess calories and stashes them away as fat, and they remain in the fat tissue until you someday find yourself sufficiently underfed (because you’re now dieting or exercising or perhaps stranded on a desert island) that this fat is mobilized. You then use it for fuel. But it has been known since the 1930s that this conception is not even remotely accurate.

So the correct way to think about fat tissue is that it’s more like a wallet than a savings or retirement account. You’re always putting fat into it, and you’re always taking fat out.

You go to school if you want to be a better employee or better professional person such as a doctor, lawyer, or accountant. If you don’t care about degrees, promotions, or job security, then you go to seminars.

Your Last Will and Testament • Estate Plan • Name and Contact Information of Executor • Contact Information for Attorney and Accountant • Deeds and Titles for all Assets • Life Insurance Account Numbers and Contact Information • Bank Account Numbers and Contact Information • Retirement Accounts and Contact Information • Credit Card Accounts and Contact Information • List of Regular Bills, especially those on autopay • List of Mileage Accounts and Other Loyalty/Reward Programs • Comprehensive List of Passwords

[T]here exists a long history of political and social struggles over the design of classification systems that present themselves as ‘purely technical’ but promote a biased account of the social world. … Critical race theorists, such as Richard Delgado and Jean Stanfancic, have similarly argued that races operate as ‘categories that society invents, manipulates, or retires when convenient’. Although invented as a category, the effects of race on social relations and people's life opportunities are material and multiple.

If you have $10,000 sitting in a savings or checking account earning only 1.0 percent annually when it could be earning 4.5 percent, you are cheating yourself out of $450 a year in interest. The way I see it, that's a plane ticket to Hawaii or a fancy dream night out on the town or more money in your retirement account! In other words, that so-called free checking account at the bank really isn't. Quite the contrary, it's costing you a fortune.

Take retirement. At the end of 2018 there was $27 trillion in U.S. retirement accounts, making it the main driver of the common investor’s saving and investing decisions.5 But the entire concept of being entitled to retirement is, at most, two generations old. Before World War II most Americans worked until they died. That was the expectation and the reality. The labor force participation rate of men age 65 and over was above 50% until the 1940s:

Basic business accounting tells us that the purpose of an asset is to produce cash flow. The purpose of a liability is to buy an asset that produces cash flow. By that definition, your home is not an asset. “Oh but my home is appreciating in value,” you may say. To which we ask, “Can you pay your bills with that appreciation? Can you eat it? Do you plan to retire on that appreciation? What are you DOING with that appreciation?

It costs more to transact abroad, and many foreign governments tax stock dividends; although you can recover this cost in a taxable account through the foreign tax credit on your U.S. tax return, you cannot do so in a retirement account.

A part war drama, part coming-of-age story, part spiritual pilgrimage, Surviving Hitler, Evading Stalin is the story of a young woman who experienced more hardships before graduating high school than most people do in a lifetime. Yet her heartaches are only half the story; the other half is a story of resilience, of leaving her lifelong home in Germany to find a new home, a new life, and a new love in America. Mildred Schindler Janzen has given us a time capsule of World War II and the years following it, filled with pristinely preserved memories of a bygone era. Ken Gire New York Times bestselling author of All the Gallant Men The memoir of Mildred Schindler Janzen will inform and inspire all who read it. This is a work that pays tribute to the power and resiliency of the human spirit to endure, survive, and overcome in pursuit of the freedom and liberty that all too many take for granted. Kirk Ford, Jr., Professor Emeritus, History Mississippi College Author of OSS and the Yugoslav Resistance, 1943-1945 A compelling first-person account of life in Germany during the rise of Adolph Hitler and the Nazi Party. A well written, true story of a young woman overcoming the odds and rising above the tragedies of loss of family and friends during a savage and brutal war, culminating in her triumph in life through sheer determination and will. A life lesson for us all. Col. Frank Janotta (Retired), Mississippi Army National Guard Mildred Schindler Janzen’s touching memoir is a testimony to God’s power to deliver us from the worst evil that men can devise. The vivid details of Janzen’s amazing life have been lovingly mined and beautifully wrought by Sherye Green into a tender story of love, gratitude, and immeasurable hope. Janzen’s rich, post-war life in Kansas serves as a powerful reminder of the great promise of America. Troy Matthew Carnes, Author of Rasputin’s Legacy and Dudgeons and Daggers World War II was horrific, and we must never forget. Surviving Hitler, Evading Stalin is a must-read that sheds light on the pain the Nazis and then the Russians inflicted on the German Jews and the German people. Mildred Schindler Janzen’s story, of how she and her mother and brother survived the war and of the special document that allowed Mildred to come to America, is compelling. Mildred’s faith sustained her during the war's horrors and being away from her family, as her faith still sustains her today. Surviving Hitler, Evading Stalin is a book worth buying for your library, so we never forget. Cynthia Akagi, Ph.D. Northcentral University I wish all in the world could read Mildred’s story about this loving steel magnolia of a woman who survived life under Hitler’s reign. Mildred never gave up, but with each suffering, grew stronger in God’s strength and eternal hope. Beautifully written, this life story will captivate, encourage, and empower its readers to stretch themselves in life, in love, and with God, regardless of their circumstances. I will certainly recommend this book. Renae Brame, Author of Daily Devotions with Our Beloved, God’s Peaceful Waters Flow, and Snow and the Eternal Hope How utterly inspiring to read the life story of a woman whose every season reflects God’s safe protection and unfailing love. When young Mildred Schindler escaped Nazi Germany, only to have her father taken by Russians and her mother and brother hidden behind Eastern Europe’s Iron Curtain, she courageously found a new life in America. Surviving Hitler, Evading Stalin is her personal witness to God’s guidance and provision at every step of that perilous journey. How refreshing to view a full life from beginning to remarkable end – always validating that nothing is impossible with God. Read this book and you will discover the author’s secret to life: “My story is a declaration that choosing joy and thankfulness over bitterness and anger, even amid difficult circumsta

Your CPA can help you: • Create a property budget • Deal with estimated tax payments • Set up and manage retirement accounts • Analyze complicated financing options • Handle all the tax returns

In each case, the answer is the same: we clergy (I speak as part of the problem) are caught in a tangled web of conflicts of interest, most (if not all) involving money. Because of my years in parish ministry, I feel the pain on all sides. I understand why a large percentage of our pastors become the kinds of company men we considered in the previous chapter. They must constantly negotiate among their own moral and spiritual instincts, the interests of their institutions, their personal concerns about their own salaries and retirement accounts, and professional and social status.

They must constantly negotiate among their own moral and spiritual instincts, the interests of their institutions, their personal concerns about their own salaries and retirement accounts, and professional and social status. In short, they must master the art of ethical compromise as a matter of vocational survival

I have never made much money, but this hasn't bothered me. I don't care what I'm paid. I have never had a shared bank account. I do not keep track of how much money is in my bank account. I am not stingy, I admire money well spent. I am not saving for my retirement. I have lived for several years without insurance.

There are, of course, wealthy people who also spend a lot of money on stuff. But even in those cases what we see is their richness, not their wealth. We see the cars they chose to buy and perhaps the school they choose to send their kids to. We don’t see the savings, retirement accounts, or investment portfolios. We see the homes they bought, not the homes they could have bought had they stretched themselves thin.

Paying off your debt changes the way you make, save, and spend money. It sets the foundation for a life where you can pay for vacations in cash, put the 20% down payment on your house, and max out your tax-advantaged retirement accounts. It also sets the foundation to care about what that last one means.

Harold and Maxine Sutherland had never been to Maine but it was on their list. In their retirement they were having far too much fun checking off the places they had dreamed of and were now visiting. With no dogs or cats, a downsized cottage in the country, and a healthy bank account, they were the envy of their friends as they repacked their bags almost as fast as they unpacked them.

The 1, 3, 5, 8 approach This is less a rule of thumb than a benchmark. The 1, 3, 5, 8 rule says that you should have a certain multiple of your annual salary in retirement savings at different age milestones. Fidelity uses this rule of thumb to give investors concrete savings goals. Here’s how it works: By age 30, you should have 1 full year’s salary in your retirement account By age 40, you should have 3 years’ salary saved in your account By age 50, you should have 5 years’ salary saved By age 60, you should have 8 years’ salary saved Fidelity tacks on one last target: by age 67, you need 10 times your salary in your retirement account.

The 4% rule The 4% rule says that you should be able to live for a full year on 4% of your retirement savings. This rule, like many others, is based on a 25-year life expectancy after retirement, which is where the 4% comes from: 4% per year multiplied by 25 years equals 100% of your retirement account.

The “magic retirement number” rule This rule assumes you’ll need 80% of your income just prior to retirement to live comfortably after you leave work. It also assumes a 25-year life expectancy once you retire. To find your magic number, you multiply 80% of your current income by 25 years. That’s the amount you’ll need in retirement savings before you retire. It’s basically the 4% rule in reverse with a twist. Instead of looking at your account balance and deciding if you can live on 4% of it, you’re starting with a yearly withdrawal amount and setting a goal for 25 years of income.

A good rule of thumb is to have six months of expenses tucked away in liquid savings like an interest-bearing checking or savings account. In other words, if you need $5,000 a month to pay your mortgage, car payments, utilities, insurance, and food, you need $30,000 in your emergency account. But you don’t have to go overboard, especially in a two-income family; you may be fine with just three months in your emergency account.

This room, she thought, making her way to the door, was full of teachers just like her on the surface — barely making ends meet as they bought supplies for their classrooms every year out of their own pockets, contemplating that they would likely be paying back student loans until retirement. They were career educators, they gave everything they had to their students and schools, uncaring if they had sufficient retirement accounts or if they found themselves playing bouncer in the hallways more often than they actually taught anything.

b. Most Christians know that they should trust God daily to sustain them and supply all their needs, and they talk a lot about how they are daily trusting God, but the fact is that few are, in fact, trusting Him. They know the promise of God is "my God shall supply all your need according to his riches in glory by Christ Jesus," Philippians 4:19. But, most of these Christians are depending upon their stocks, bonds, retirement fund, or bank accounts. Few are willing to part with these and give God a chance to meet their needs. c. But I remind you that Ruth said, "I will," and "she went," Ruth 3:5-6.

I hope that almost every adult will become an investor. When I became an investment counselor there were only 4 million shareholders in America, and now there are 48 million. The amount of money invested in American mutual funds is now 1,000 times as great as it was 55 years ago. Thrift, common sense, and wise asset allocation can produce excellent results in the long run. For example, if you begin at age 25 to invest $2,000 annually into your Individual Retirement Account where it can compound free of tax, and if you average a total return of 10 percent annually, you will have nearly a million dollars accumulated at age 65.

I give to my son, Richard Andrew MacArthur, Jr., if he survives me, all my interest in any and all cash, securities, individual retirement accounts, pension plans, profit sharing plans, stock bonus plans, other qualified retirement plans, real and personal property of any nature, furniture, fixtures, automobiles and all other tangible articles of a household or personal nature, together with all insurance policies

Almost inconceivable is the power of a visible communion of numbers to give intensity to those feelings of the heart which usually retire into privacy, or only open themselves to the confidence of friendship. The faith in the validity of such emotions becomes irrefragable from its diffusion; we feel ourselves strong among so many associates, and all hearts and minds flow together in one great and irresistible stream. On this very account the privilege of influencing an assembled crowd is exposed to most dangerous abuses. As one may disinterestedly animate them, for the noblest and best of purposes, so another may entangle them in the deceitful meshes of sophistry, and dazzle them by the glare of a false magnanimity, whose vainglorious crimes may be painted as virtues and even as sacrifices. Beneath the delightful charms of oratory and poetry, the poison steals imperceptibly into ear and heart.

What I know in my soul is that the prejudice, inequality, and broken systems that do exist are wrong and dangerous. As Americans, they anger and shame so many of us. Personally, I can’t just sit on a couch and watch the news, or run a company, while society erupts, or walk into some form of retirement and be still. On the sidelines is not where most of us want to be. We must see beyond what’s in front of us. We must reimagine the promise of America. How? By using empathy to try to understand, raising our voices to condemn darkness, and casting our votes to choose the kind of leadership we want our grandchildren to grow up with. But we must also use our hard skills and resources to craft a better reality for ourselves, our neighbors and those with whom we share this land. We can protest but also plan. Search for the truth and share it broadly. Listen to others, and blend ideas. Criticize, but also create. It’s time to commit to a deeper level of shared accountability—to neighbor as well as to stranger, and to self. Americans will always have differences, because that is the nature of the republic we have created. But we owe our children a less divisive America, just as many of our parents fought for a less divided country than the one they inherited. It is time for all of us to elevate the best of ourselves. It is time to climb, and to reclaim the high ground. To do so we must make a choice, one that we have made before. It is a choice between renewal or decline. Our country has a history of renewal at moments when we’ve faced decline, but we also know that renewing our nation’s honor is not a forgone conclusion. The future is not going to bend toward America because we’re American. We’re going to have to bend it ourselves, nudge it, move it. At every turn, let us choose to replace meanness with kindness; pettiness with significance; hate with love; gridlock with compromise; complaints with creative solutions. As a nation, we must be tough but not at the expense of one another. So let us also champion and celebrate those with strength of character—the upstanders among us—because there are so many whose daily intentions and actions echo the heroism of the past, who strive for honesty in the present, and who are already reimagining the promise of America, and will do so for years to come. Above all, let us choose to believe in each other because now and always—we are in this together.

Because travel was an area of my life where I felt most vital, I wanted to continue to invest in that, too. I had quit a full time job, drained my retirement account to invest in a long-held dream, and used the realization of that dream to enter a void with no guarantees. I didn’t want financial struggle to be the sole outgrowth of the risks I had taken. More than money, I had put my belief systems on the line.

Back to Big Law. Her goal had been to make partner by the age of thirty-five, one of few women at the top, and nail down a corner office from which she would play hardball with the boys. She would have a secretary, an assistant, some paralegals, and a driver on call, a golden expense account, and a designer wardrobe. The hundred-hour workweeks would shrink into something manageable. She would knock down two million plus a year for twenty years, then retire and travel the world. Along the way she would pick up a husband, a kid or two, and life would be grand.

LUKEWARM PEOPLE do not live by faith; their lives are structured so they never have to. They don’t have to trust God if something unexpected happens—they have their savings account. They don’t need God to help them—they have their retirement plan in place. They don’t genuinely seek out what life God would have them live—they have life figured and mapped out. They don’t depend on God on a daily basis—their refrigerators are full and, for the most part, they are in good health. The truth is, their lives wouldn’t look much different if they suddenly stopped believing in God.

Obama then held no one accountable while his handpicked IRS commissioner, John Koskinen, stonewalled congressional investigators and Lois Lerner, the official at the center of the scandal, retired with a full pension.45

Wesley Wong: I was down in the command center at the World Trade Center lobby, and John O’Neill saw me and he came up to me. John always had his cell phone to his ear—no matter when you saw him, he was always on his cell phone. Just like that morning, the morning of 9/11, he had his cell phone. He saw me and said, “Wes. What can you tell me?” He had just retired from the FBI and he was on his second day as director of security for the World Trade Center. I said to John, “You’re no longer with the FBI. You don’t have a clearance. I can’t tell you what’s going on.” Even under times of stress and crisis, I can be a smart aleck. He said, “Wes, if you don’t tell me, I’m going to wring your scrawny little neck.” I told him what I knew, and he asked, “I’ve heard that the Pentagon has been hit?” I said, “We’re hearing that. Let me confirm,” and I called headquarters. They confirmed that the Pentagon had been hit. I relayed this back to John. He said, “Well, I need to go check on my people in the South Tower.” As he walked away I said to him, “Hey John. I owe you lunch. I missed your going-away lunch. When this is all over, let’s have lunch.” He said something that’s music to every agent’s ear. He said, “Wes, I’m on an expense account now—lunch will be on me.” John O’Neill was last seen in the stairwell of the 48th floor of the South Tower. Jackie Maguire: We heard the rumble of the first tower starting to fall.

When he puts it like this, it sounds surprisingly sensible. Danes have a collective sense of responsibility – of belonging, even. They pay into the system because they believe it to be worthwhile. The insanely high taxation also has some happy side effects. It means that Denmark has the lowest income inequality among all the OECD countries, so the difference in take-home wages between, for instance, Lego’s CEO and its lowliest cleaner, isn’t as vast as it might be elsewhere. Studies show that people who live in neighbourhoods where most people earn about the same amount are happier, according to research from San Francisco State University and the University of California Berkeley. In Denmark, even people working in wildly different fields will probably have a similar amount left in the bank each month after tax. I’m interested in the idea that income equality makes for better neighbours and want to put it to the test. But since I live in what is essentially a retirement village, where no one apart from Friendly Neighbour works, there isn’t much of an opportunity in Sticksville. So I ask Helena C about hers. She tells me that the street she lives in is populated by shop assistants, supermarket workers, accountants, lawyers, marketers and a landscape gardener. ‘Everyone has a nice home and a good quality of life,’ she says, ‘it doesn’t matter so much what you do for work here.’ Regardless of their various careers and the earning potential that this might afford them in other countries with lower taxes, professionals and non-professionals live harmoniously side by side in Denmark. This also makes social mobility easier, according to studies from The Equality Trust on the impact of income equality. So you’re more likely to be able to get on in life, get educated and get a good job, regardless of who your parents are and what they do in Denmark than anywhere else. It turns out that it’s easier to live ‘The American Dream’ here than it’s ever likely to be in the US.

The only private partnership I can talk about authoritatively is the one in which I was a partner from 1992 to 1999, when the firm went public: Goldman Sachs. Partners there owned the equity of the firm. When elected a partner, you were required to make a cash investment into the firm that was large enough to be material to your net worth. Each partner had a percentage ownership of the earnings every year, but the earnings would remain in the firm. A partner’s annual cash compensation amounted only to a small salary and a modest cash return on his or her capital account. A partner was not allowed to withdraw any capital from the firm until retirement, at which time typically 75%–80% of one’s net worth was still in the firm. Even then, a retired (“limited”) partner could only withdraw his or her capital over a three-year period. Finally, and perhaps most importantly, all partners had personal liability for the exposure of the firm, right down to their homes and cars. The focus on risk was intense, and wealth creation was more like a career bonus rather than a series of annual bonuses.

There are many stories about seagoing cats. My research indicates that cats were domesticated about 9,500 years ago. I really don’t know anyone who was around at that time to verify this, but I also don’t have any reason to doubt this little bit of trivia. It is documented that the Egyptians who kept cats around to bring the good luck, also used them to catch thicket birds that lived in the tall grass along the riverbanks. I guess that these small birds were a treat and a welcome substitute for the usual river fish that the sailors would catch with hooks fashioned from bones. In time it was the Phoenicians who inadvertently brought cats from the middle east to Europe. It seems that sailors had cats with them on their ships from the beginning of recorded history. They successfully used the excuse that the cats would keep the rat population under control. I don’t believe that this was really true since there are stories of where the cat befriended the rats, but in most cases the cats did keep the rats from invading their living spaces. Six-toed cats were thought to be better hunters and to this day many islands in remote areas are overrun by these cats and rats that managed to get ashore from ships that foundered along the island’s shore. Sailors are notoriously superstitious and have always believed that cats can predict the weather and bring luck. There are many accounts concerning this and there may be some truth to this but you’ll have to be the judge. Because of their sensitive inner ears cats can sense barometric pressure drops, indicating foul weather and being warned frequently crawl into their safe hidey-hole prior to a storm. A cat named Oscar, or Oskar in German, was the mascot on the German Battle Cruiser Bismarck when she was sunk by the British. Found floating on a wooden plank, Oskar was rescued by the crew of the British ship the HMS Cossack. No sooner recued and with Oskar renamed Oscar, the HMS Cossack was sunk by the Germans. This time Oscar was rescued by the crew of the HMS Arc Royal, which was then also sunk by the German navy. Not believing their bad luck the Brit’s blamed poor Oscar and renamed the cat to the German Oskar. Thinking Oskar to be the harbinger of bad luck they contacted the German Navy and offered to return their cat. The Germans refused the offer, so the British retired Oskar to a home in Plymouth, England. This time they banned poor Oskar from ever sailing on a British Naval Vessel again and changed his name to Sam. The British Navy banned cats from sailing on British war ships in 1975. Even though the British Navy has banned cats from their ships, other countries and merchant ships still have cats aboard.

Replaying in my mind the Martha Stewart, Leonidas Young, and Scooter Libby cases, I argued that if we weren’t going to hold retired generals and CIA directors accountable for blatantly lying during investigations, how could we justify jailing thousands of others for doing the same thing?

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

The default posture of Generation X has always been to trash the boomers. The boomers were yuppie sellouts, sanctimonious blowhards, fair-weather hippies who joined the establishment as soon as they realized the upsides to having health insurance and retirement accounts (see: backstories of Big Chill characters and Hope and Michael et al.). They did tons of drugs and had tons of sex and then left us to trudge through the AIDS and crack epidemics they left in their wake. If you were a young writer in the 1990s, as I was, you could find a steady stream of magazine work composing irony-laden rants about how much the boomers had screwed over the Xers—economically, culturally, sexually-transmitted-diseasedly, et cetera. In the span of a few years, I wrote no fewer than fifteen articles that were essentially some variation on “broken homes ruined our belief in marriage, MTV ruined our attention spans, and AIDS ruined our sex lives. Our world and the baby boomers’ world are many galaxies apart.

A couple recently came to my office. Let’s call them Mark and Elizabeth Schuler. They came in for a consultation at Elizabeth’s request. Mark’s best friend was a stockbroker who had handled the couple’s investment portfolio for decades. All they wanted from me was a second opinion. If all went well, they planned to stop working within five years. After a quick chat about their goals, I organized the mess of financial paperwork they’d brought and set about assessing their situation. As my team and I prepared their “Retirement Map Review,” it was immediately apparent the Schulers were carrying significant market risk. We scheduled a follow-up appointment for two weeks later. When they returned, I asked them to estimate their comfortable risk tolerance. In other words, how much of their savings could they comfortably afford to have exposed to stock market losses? Elizabeth laughed at the question. “We’re not comfortable losing any of it,” she said. I had to laugh too. Of course, no one wants to lose any of their money. But with assets housed in mutual funds, 401(k)s, and stocks, there’s always going to be some measure of risk, not to mention fees to maintain such accounts. We always stand to lose something. So how much could they tolerate losing and still be okay to retire? The Schulers had to think about that for a while. After some quick calculations and hurried deliberation, they finally came up with a number. “I guess if we’re just roughly estimating,” Mark said, “I could see us subjecting about 10 percent of our retirement savings to the market’s ups and downs and still being all right.” Can you guess what percentage of their assets were at risk? After a careful examination of the Schulers’ portfolio, my team and I discovered 100 percent of their portfolio was actually invested in individual stocks—an investment option with very high risk! In fact, a large chunk of the Schulers’ money was invested in Pacific Gas & Electric Company (PG&E), a utility company that has been around for over one hundred years. Does that name sound familiar? When I met with the Schulers, PG&E stock was soaring. But you may remember the company name from several 2019 news headlines in which the electric and natural gas giant was accused of negligence that contributed to 30 billion dollars’ worth of damage caused by California wild fires. In the wake of that disaster, the company’s stock dropped by more than 60 percent in a matter of months. That’s how volatile individual stocks can be.

Career men and women should start saving to invest as early as possible. Ten percent annually, saved and invested in a tax-advantaged account over a lifetime, would add up to a comfortable retirement income source.

The significant burden that taxes impose on security returns causes investors to seek ways to reduce the gap between the pre-tax and after-tax returns. The single most important method available to individual investors lies in the alphanumeric soup of tax-deferred investment vehicles. Individual Retirement Accounts (IRAs), 401(k) accounts, 403(b) accounts, Keogh accounts, and Simplified Employee Pension (SEP) accounts provide individuals with the means to save for retirement in a tax-advantaged fashion.

In a secular bull market cycle, buying and holding stocks is the optimal strategy. As long as the secular bull market persists, stock appreciation accounts for the majority of stock gains. But when a secular bear market cycle begins, on the other hand, a simplistic buy-and-hold strategy could leave an individual’s portfolio with roughly the same amount of money decades later.

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

TAX-SAVVY IDEAS We suggest 14 tax-reducing ideas for tax-savvy investors. Most are easy to understand and to implement. We can think of no better way for most taxpayers to maximize their after-tax returns. Use tax-advantaged accounts (401(k), 403(b), IRAs, 529 tuition plans, etc.). Buy fund shares after the distribution date. Place tax-INefficent funds in retirement accounts, and tax-Efficient funds in taxable accounts. Use tax-managed or tax-efficient index funds in taxable accounts. Avoid balanced funds (stocks and bonds) in taxable accounts. Keep taxable fund turnover low to avoid capital-gains taxes. Avoid short-term gains by holding for more than 12 months. Sell losing shares before year-end (tax-loss harvest). Sell profitable shares after the new year (to delay tax payment). Determine the most favorable tax-basis method before selling fund shares. Consider municipal bonds and U.S. Savings Bonds for taxable accounts. During years of low income, consider converting to a Roth. Consider gifts to charities of securities with large capital gains. Appreciated holdings in taxable accounts are capital gains and income tax free if left to heirs.

That is why the most important calculation to know in owning bonds is known as yield to maturity. Yield to maturity (YTM) takes this critical maturity value concept into account.

some common ones. ◘ Cell phone ◘ Desktop computer login ◘ Laptop login ◘ Bank accounts ◘ Brokerage accounts ◘ Email logins ◘ Mortgage accounts ◘ Other loans ◘ Credit cards ◘ Life insurance policies ◘ Homeowners insurance ◘ Auto insurance

month for a chronic illness (which is when you can’t do two out of six activities of daily living or have cognitive impairment). You can also use your policy for tax-free savings or a tax-free retirement account. So, you can access your policy for any of these options while you are living!

I’m no longer clear about where the imagination ends and politics begins, or what it means to do political analysis apart from the imagined worlds of individual subjects. I can only say this much: whenever I travel by plane I feel reduced to a passport and a credit card. This is a perverse reversal of Agamben’s most famous concept, the idea of the dehumanized noncitizen, reduced to “bare life.” I go from duty-free shop to duty-free shop, a profit center in transit, a purchasing agent. I’m reminded that I’m participating in climate change on a massive scale; that the capital I accumulate and invest—my retirement account in TIAA, invested in arms manufacturers, and energy companies, despite years of customer protests—takes part in transactions I never authorized, to say nothing of my taxes, which have paid for KBR-Halliburton’s kidnapping of Nepalis to work in the Green Zone during the Gulf War, extraordinary renditions and drone strikes, deportations and private prisons and the world’s largest nuclear stockpile.

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To manage your portfolio in retirement, arrange your money into three buckets: Portfolio: This holds the investment portfolio you’re going to live on. Current-Year Spending: This holds the cash you intend to spend for the year. Cash Cushion: This holds your reserve fund in a savings account.

The travel agents’ motive was plain enough. By the mid-1970s travel agents sold nearly half of all airline tickets. (The airlines sold the rest directly to corporate accounts and individual passengers—by phone, by mail, at airports, and at downtown ticket offices.) Travel agents had been multiplying like delis in Brooklyn, and in some cases they were assuming the same mom-and-pop look. Entrepreneurs, retired couples, wives of the wealthy—almost anyone could start a travel agency merely by stocking the Official Airline Guide and leasing some storefront space or a cubbyhole in a suburban shopping strip. Some people went into the business simply because they enjoyed traveling themselves.

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Astrid, armed with a shiny business administration degree from Berkeley, took over Lindy Westbrook's very lucrative interior design firm when the older woman retired, while Iris worked as an accountant until she had enough saved to open up Paper Wishes, her paper shop next to Claire's family's bookstore on Linden Street in downtown. Iris was hugely talented-she sold her own line of personalized planners and had over fifty thousand Instagram followers-while Astrid had almost single-handedly revitalized half the houses in Bright Falls.

Roth shook his hand. “You can call me Roth.” “Roth as in the retirement account?” asked Sam. “Is that what you’re named after?

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This, then, led to the President’s plans for a United Nations authority. The authority was to be “a world organization for the preservation of peace based upon the conceptions of freedom of justice and the revival of prosperity”—one that would not be “subject to the weakness of former League of Nations.” It would be held together under the military protection of the victors, who would “continue fully armed, especially in the air.” “None can predict with certainty that the victors will never quarrel amongst themselves, or that the United States may not once again retire from Europe, but after the experiences which all have gone through, and their sufferings and the certainty that a third struggle will destroy all that is left of culture, wealth and civilization of mankind and reduce us to the level almost of wild beasts, the most intense effort will be made by the leading Powers,” Churchill summarized, “to prolong their honorable association and by sacrifice and self-restraint to win for themselves a glorious name in human annals.” Great Britain would “do her utmost to organize a coalition of resistance to any act of aggression committed by any power;” moreover, “it is believed that the United States will cooperate with her and even possibly take the lead of the world, on account of her numbers and strength, in the good work of preventing such tendencies to aggression before they break into open war.”7 Though it might not be as magically phrased as some of his prose masterpieces and speeches, Churchill’s memorandum reflected the extent to which he now understood and agreed with the President’s vision of the United Nations and postwar world security at this moment in the war.

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My takeaways A bucket strategy—holding cash reserves that can be used to meet living expenses in periods when the long-term portfolio has lost value—can provide valuable peace of mind for retirees in periods of market volatility. Bucket portfolios are eminently customizable: Retirees can use their anticipated portfolio spending to determine how much to drop into their cash bucket as well as their bond allocation. Ideally, a retiree would hold between seven and ten years’ worth of portfolio withdrawals in cash and high-quality bond assets. For retirees who are planning to cover any long-term expenses out of their own coffers, a fourth bucket, earmarked for long-term care and segregated from the spendable portfolio, can help provide peace of mind. Retirees who have multiple accounts—traditional tax-deferred, Roth, and taxable—will want to factor in their planned sequence of withdrawals from those accounts when determining the asset allocation for each sub-portfolio. Accounts that will be earlier in the spending queue, usually taxable holdings, should be more conservatively positioned, whereas those that will be later in the queue, such as Roth, should be more aggressive and stock-heavy.

thought, I’m going to need money. I logged into our online banking to see the balances in our checking and savings, and guess what?” Josie was pretty sure she wasn’t expecting them to answer, although she had a feeling she already knew where this was going. It made her sick to her stomach. Tori looked at Noah and then at Josie. “There is one hundred seventy-two dollars in checking and fourteen dollars in savings.” Noah said, “How much did you think was in those accounts?” “Well, I know that two weeks ago when I checked the balances, there was over three thousand dollars in our checking account and ten thousand dollars in savings.” She handed Josie the pages. It took a moment for Josie to flip through them and figure out exactly what she was looking at, but she found the withdrawals. “He took out almost thirteen thousand dollars last week.” “Yes,” said Tori. She tapped against the pages, indicating for Josie to keep looking at the bank statements. “He also drained his retirement account. Tens of thousands of dollars. Gone. He didn’t even leave enough in there to pay the penalties!” Josie found that statement, her heart dropping when she saw that Elliott had taken an early withdrawal of nearly two hundred thousand dollars. She passed the pages to Noah, who studied them.

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