Approaching Retirement Quotes

A man approaching retirement called the retirement office to inquire about his pension. Afterward, he was asked if his wife worked. “She’s worked all her life making me happy”, he replied. “Yes sir, but has she earned money to receive her pension?” “When we got married we agreed on an arrangement”, he said. “I would earn the living, and she would make the living worthwhile”. “Make the living worthwhile”…have we forgotten the very essence of that? Have we forgotten to live for someone else, that doing so IS what makes a living worthwhile?

A naively formulated goal transmutes, with time, into the sinister form of the life-lie. One forty-something client told me his vision, formulated by his younger self: “I see myself retired, sitting on a tropical beach, drinking margaritas in the sunshine.” That’s not a plan. That’s a travel poster. After eight margaritas, you’re fit only to await the hangover. After three weeks of margarita-filled days, if you have any sense, you’re bored stiff and self-disgusted. In a year, or less, you’re pathetic. It’s just not a sustainable approach to later life. This kind of oversimplification and falsification is particularly typical of ideologues. They adopt a single axiom: government is bad, immigration is bad, capitalism is bad, patriarchy is bad. Then they filter and screen their experiences and insist ever more narrowly that everything can be explained by that axiom. They believe, narcissistically, underneath all that bad theory, that the world could be put right, if only they held the controls.

...[W]hen death comes to a man, the mortal part of him dies, but the immortal part retires at the approach of death and escapes unharmed and indestructible... [I]t is as certain as anything can be... that soul is immortal and imperishable, and that our souls will really exist in the next world.

It is singular, however, how long a time often passes before words embody things; and with what security two persons, who choose to avoid a certain subject, may approach its very verge, and retire without disturbing it.

I hope my message has at least jarred you into rethinking the standard and conventional approaches to living one’s life—get a good job, work hard through endless hours, and then retire in your sixties or seventies and live out your days in your so-called golden years. But I still ask you: Why wait until your health and life energy have begun to wane? Rather than just focusing on saving up for a big pot full of money that you will most likely not be able to spend in your lifetime, live your life to the fullest now: Chase memorable life experiences, give money to your kids when they can best use it, donate money to charity while you’re still alive. That’s the way to live life. Remember: In the end, the business of life is the acquisition of memories. So what are you waiting for?

We take it for granted that life moves forward. You build memories; you build momentum.You move as a rower moves: facing backwards. You can see where you've been, but not where you’re going. And your boat is steered by a younger version of you. It's hard not to wonder what life would be like facing the other way. Avenoir. You'd see your memories approaching for years, and watch as they slowly become real. You’d know which friendships will last, which days are important, and prepare for upcoming mistakes. You'd go to school, and learn to forget. One by one you'd patch things up with old friends, enjoying one last conversation before you meet and go your separate ways. And then your life would expand into epic drama. The colors would get sharper, the world would feel bigger. You'd become nothing other than yourself, reveling in your own weirdness. You'd fall out of old habits until you could picture yourself becoming almost anything. Your family would drift slowly together, finding each other again. You wouldn't have to wonder how much time you had left with people, or how their lives would turn out. You'd know from the start which week was the happiest you’ll ever be, so you could relive it again and again. You'd remember what home feels like, and decide to move there for good. You'd grow smaller as the years pass, as if trying to give away everything you had before leaving. You'd try everything one last time, until it all felt new again. And then the world would finally earn your trust, until you’d think nothing of jumping freely into things, into the arms of other people. You'd start to notice that each summer feels longer than the last. Until you reach the long coasting retirement of childhood. You'd become generous, and give everything back. Pretty soon you’d run out of things to give, things to say, things to see. By then you'll have found someone perfect; and she'll become your world. And you will have left this world just as you found it. Nothing left to remember, nothing left to regret, with your whole life laid out in front of you, and your whole life left behind.

There are basically two ways to help people get sufficient money to fund their entire retirement. The first is to get people to save more money, and to start saving at a younger age. The second approach is to get people to die at a younger age. The easier approach, by far, is getting people to die younger. And how might we achieve this? By allowing citizens to smoke. By subsidizing sugary and fatty foods. By limiting access to preventive health care etc. When we think about retirement savings in these terms, it seems that we’re already doing the most we can on this front.

I did hundreds of interviews with people in retirement or approaching retirement. Here was their theme: 'I was waiting for a time when I’d have more time, education, experience or money to do what I wanted to do…only to find out when I got there that I still needed more time, more education, more experience and more money.

Although they love their families, they prefer mellow and relaxed ways of life like old people. Feeling internally retired already from the wiles of the world, the Old Soul lacks the energy and interest to partake in bickering, tension and emotional rollercoasters. As usual, they like observing from a distance and approaching when the waters are calm.

I believe that making a conscious decision to maintain a positive attitude is one of the best things you can do as you approach retirement.

To him who in the love of Nature holds Communion with her visible forms, she speaks A various language; for his gayer hours She has a voice of gladness, and a smile And eloquence of beauty, and she glides Into his darker musings, with a mild And healing sympathy, that steals away Their sharpness, ere he is aware. When thoughts Of the last bitter hour come like a blight Over thy spirit, and sad images Of the stern agony, and shroud, and pall, And breathless darkness, and the narrow house, Make thee to shudder, and grow sick at heart;— Go forth, under the open sky, and list To Nature’s teachings, while from all around— Earth and her waters, and the depths of air— Comes a still voice— Yet a few days, and thee The all-beholding sun shall see no more In all his course; nor yet in the cold ground, Where thy pale form was laid, with many tears, Nor in the embrace of ocean, shall exist Thy image. Earth, that nourished thee, shall claim Thy growth, to be resolved to earth again, And, lost each human trace, surrendering up Thine individual being, shalt thou go To mix for ever with the elements, To be a brother to the insensible rock And to the sluggish clod, which the rude swain Turns with his share, and treads upon. The oak Shall send his roots abroad, and pierce thy mould. Yet not to thine eternal resting-place Shalt thou retire alone, nor couldst thou wish Couch more magnificent. Thou shalt lie down With patriarchs of the infant world—with kings, The powerful of the earth—the wise, the good, Fair forms, and hoary seers of ages past, All in one mighty sepulchre. The hills Rock-ribbed and ancient as the sun,—the vales Stretching in pensive quietness between; The venerable woods—rivers that move In majesty, and the complaining brooks That make the meadows green; and, poured round all, Old Ocean’s gray and melancholy waste,— Are but the solemn decorations all Of the great tomb of man. The golden sun, The planets, all the infinite host of heaven, Are shining on the sad abodes of death, Through the still lapse of ages. All that tread The globe are but a handful to the tribes That slumber in its bosom.—Take the wings Of morning, pierce the Barcan wilderness, Or lose thyself in the continuous woods Where rolls the Oregon, and hears no sound, Save his own dashings—yet the dead are there: And millions in those solitudes, since first The flight of years began, have laid them down In their last sleep—the dead reign there alone. So shalt thou rest, and what if thou withdraw In silence from the living, and no friend Take note of thy departure? All that breathe Will share thy destiny. The gay will laugh When thou art gone, the solemn brood of care Plod on, and each one as before will chase His favorite phantom; yet all these shall leave Their mirth and their employments, and shall come And make their bed with thee. As the long train Of ages glide away, the sons of men, The youth in life’s green spring, and he who goes In the full strength of years, matron and maid, The speechless babe, and the gray-headed man— Shall one by one be gathered to thy side, By those, who in their turn shall follow them. So live, that when thy summons comes to join The innumerable caravan, which moves To that mysterious realm, where each shall take His chamber in the silent halls of death, Thou go not, like the quarry-slave at night, Scourged to his dungeon, but, sustained and soothed By an unfaltering trust, approach thy grave, Like one who wraps the drapery of his couch About him, and lies down to pleasant dreams.

Let us remark by the way, that to be blind and to be loved, is, in fact, one of the most strangely exquisite forms of happiness upon this earth, where nothing is complete. To have continually at one's side a woman, a daughter, a sister, a charming being, who is there because you need her and because she cannot do without you; to know that we are indispensable to a person who is necessary to us; to be able to incessantly measure one's affection by the amount of her presence which she bestows on us, and to say to ourselves, "Since she consecrates the whole of her time to me, it is because I possess the whole of her heart"; to behold her thought in lieu of her face; to be able to verify the fidelity of one being amid the eclipse of the world; to regard the rustle of a gown as the sound of wings; to hear her come and go, retire, speak, return, sing, and to think that one is the centre of these steps, of this speech; to manifest at each instant one's personal attraction; to feel one's self all the more powerful because of one's infirmity; to become in one's obscurity, and through one's obscurity, the star around which this angel gravitates,—few felicities equal this. The supreme happiness of life consists in the conviction that one is loved; loved for one's own sake—let us say rather, loved in spite of one's self; this conviction the blind man possesses. To be served in distress is to be caressed. Does he lack anything? No. One does not lose the sight when one has love. And what love! A love wholly constituted of virtue! There is no blindness where there is certainty. Soul seeks soul, gropingly, and finds it. And this soul, found and tested, is a woman. A hand sustains you; it is hers: a mouth lightly touches your brow; it is her mouth: you hear a breath very near you; it is hers. To have everything of her, from her worship to her pity, never to be left, to have that sweet weakness aiding you, to lean upon that immovable reed, to touch Providence with one's hands, and to be able to take it in one's arms,—God made tangible,—what bliss! The heart, that obscure, celestial flower, undergoes a mysterious blossoming. One would not exchange that shadow for all brightness! The angel soul is there, uninterruptedly there; if she departs, it is but to return again; she vanishes like a dream, and reappears like reality. One feels warmth approaching, and behold! she is there. One overflows with serenity, with gayety, with ecstasy; one is a radiance amid the night. And there are a thousand little cares. Nothings, which are enormous in that void. The most ineffable accents of the feminine voice employed to lull you, and supplying the vanished universe to you. One is caressed with the soul. One sees nothing, but one feels that one is adored. It is a paradise of shadows.

I had recently read to my dismay that they have started hunting moose again in New England. Goodness knows why anyone would want to shoot an animal as harmless and retiring as the moose, but thousands of people do—so many, in fact, that states now hold lotteries to decide who gets a permit. Maine in 1996 received 82,000 applications for just 1,500 permits. Over 12,000 outof-staters happily parted with a nonrefundable $20 just to be allowed to take part in the draw. Hunters will tell you that a moose is a wily and ferocious forest creature. Nonsense. A moose is a cow drawn by a three-year-old. That’s all there is to it. Without doubt, the moose is the most improbable, endearingly hopeless creature ever to live in the wilds. Every bit of it—its spindly legs, its chronically puzzled expression, its comical oven-mitt antlers—looks like some droll evolutionary joke. It is wondrously ungainly: it runs as if its legs have never been introduced to each other. Above all, what distinguishes the moose is its almost boundless lack of intelligence. If you are driving down a highway and a moose steps from the woods ahead of you, he will stare at you for a long minute (moose are notoriously shortsighted), then abruptly try to run away from you, legs flailing in eight directions at once. Never mind that there are several thousand square miles of forest on either side of the highway. The moose does not think of this. Clueless as to what exactly is going on, he runs halfway to New Brunswick before his peculiar gait inadvertently steers him back into the woods, where he immediately stops and takes on a startled expression that says, “Hey—woods. Now how the heck did I get here?” Moose are so monumentally muddle-headed, in fact, that when they hear a car or truck approaching they will often bolt out of the woods and onto the highway in the curious hope that this will bring them to safety. Amazingly, given the moose’s lack of cunning and peculiarly-blunted survival instincts, it is one of the longest-surviving creatures in North America. Mastodons, saber-toothed tigers, wolves, caribou, wild horses, and even camels all once thrived in eastern North America alongside the moose but gradually stumbled into extinction, while the moose just plodded on. It hasn’t always been so. At the turn of this century, it was estimated that there were no more than a dozen moose in New Hampshire and probably none at all in Vermont. Today New Hampshire has an estimated 5,000 moose, Vermont 1,000, and Maine anywhere up to 30,000. It is because of these robust and growing numbers that hunting has been reintroduced as a way of keeping them from getting out of hand. There are, however, two problems with this that I can think of. First, the numbers are really just guesses. Moose clearly don’t line up for censuses. Some naturalists think the population may have been overstated by as much as 20 percent, which means that the moose aren’t being so much culled as slaughtered. No less pertinent is that there is just something deeply and unquestionably wrong about killing an animal that is so sweetly and dopily unassuming as a moose. I could have slain this one with a slingshot, with a rock or stick—with a folded newspaper, I’d almost bet—and all it wanted was a drink of water. You might as well hunt cows.

As I approach retirement, I’m thinking about downsizing to a smaller home. I have all the artwork and toys and books that belonged to my kids. I’ve kept this stuff for them all these years, but they don’t want it. What do I do with it?” Often, we exchange a long look, and tears spring to their eyes. This is not a casual moment in their lives. The answer has great importance to them right now. Yet they’re letting a near-total stranger make the decision. My answer is frequently the same: “If the stuff you own is not helping you create the life you want, then let it go.

Mum, since when have you ever decided whether or not to do something based on an assumption that you will fail?” I asked. “If I think everyone else will be better than me, then you’re right, I shouldn’t try. But if that is my approach, maybe I should just preemptively admit defeat and retire now.

when she asked where Miss Mavis might be answered that he hadn’t the least idea.  I sat with my friend at her particular request: she told me she knew that if I didn’t Mrs. Peck and Mrs. Gotch would make their approach, so that I must act as a watch-dog.  She was flurried and fatigued with her migration, and I think that Grace Mavis’s choosing this occasion for retirement suggested to her a little that she had been made a fool of.  She remarked that the girl’s not being there showed her for the barbarian she only could be, and that she herself was really very good so to have put herself out; her charge was a mere bore: that was the end of it.  I could see that my companion’s advent

AT THE SAME TIME Empire was dying, a new and very different kind of company town was thriving seventy miles to the south. In many ways, it felt like the opposite of Empire. Rather than offering middle-class stability, this village was populated by members of the “precariat”: temporary laborers doing short-term jobs in exchange for low wages. More specifically, its citizens were hundreds of itinerant workers living in RVs, trailers, vans, and even a few tents. Early each fall, they began filling the mobile home parks surrounding Fernley. Linda didn’t know it yet, but she would soon be joining them. Many were in their sixties and seventies, approaching or well into traditional retirement age. Most had traveled hundreds of miles—and undergone the routine indignities of criminal background checks and pee-in-a-cup drug tests—for the chance to earn $11.50 per hour plus overtime at temporary warehouse jobs. They planned to stay through early winter, despite the fact that most of their homes on wheels weren’t designed to support life in subzero temperatures. Their employer was Amazon.com.

Few societies have come to grips with the new demography. We cling to the notion of retirement at sixty-five—a reasonable notion when those over sixty-five were a tiny percentage of the population but increasingly untenable as they approach 20 percent. People are putting aside less in savings for old age now than they have at any time since the Great Depression. More than half of the very old now live without a spouse and we have fewer children than ever before, yet we give virtually no thought to how we will live out our later years alone.

After breakfast, determined to pass as little of the day as possible in company with Lady Lowborough, I quietly stole away from the company and retired to the library. Mr. Hargrave followed me thither, under pretence of coming for a book; and first, turning to the shelves, he selected a volume, and then quietly, but by no means timidly, approaching me, he stood beside me, resting his hand on the back of my chair, and said softly, ‘And so you consider yourself free at last?’ ‘Yes,’ said I, without moving, or raising my eyes from my book, ‘free to do anything but offend God and my conscience.

Once more, one who lives in the spirit of prayer will spend much time in retired and intimate communion with God. It is by such a deliberate engagement of prayer that the fresh springs of devotion which flow through the day are fed. For, although communion with God is the life-energy of the renewed nature, our souls "cleave to the dust" and devotion tends to grow formal- it becomes emptied of its spiritual content, and exhausts itself in outward acts. The Master reminds us of this grave peril, and informs us that the true defense against insincerity in our approach to God lies in the diligent exercise of private prayer.

Most people would not attempt to climb Mount Everest on their own. Typically, climbers will look toward Sherpas, who have served as guides for generations in Nepal, high in the Himalayas. They help climbers prepare and show them along the routes that will get them to the top. They are seasoned and know every details of the trails. But your guide is even more essentail if you are to make it back down safely. Coming down the mountain can be the most perilous part. You're tired. Your defenses are down. You may very well fall at the critical moment. You need that guide. As you approach retirement, you are moving to a different phase of life. You are descending the mountain.

Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.

To the door of an inn in the provincial town of N. there drew up a smart britchka—a light spring-carriage of the sort affected by bachelors, retired lieutenant-colonels, staff-captains, land-owners possessed of about a hundred souls, and, in short, all persons who rank as gentlemen of the intermediate category. In the britchka was seated such a gentleman—a man who, though not handsome, was not ill-favoured, not over-fat, and not over-thin. Also, though not over-elderly, he was not over-young. His arrival produced no stir in the town, and was accompanied by no particular incident, beyond that a couple of peasants who happened to be standing at the door of a dramshop exchanged a few comments with reference to the equipage rather than to the individual who was seated in it. "Look at that carriage," one of them said to the other. "Think you it will be going as far as Moscow?" "I think it will," replied his companion. "But not as far as Kazan, eh?" "No, not as far as Kazan." With that the conversation ended. Presently, as the britchka was approaching the inn, it was met by a young man in a pair of very short, very tight breeches of white dimity, a quasi-fashionable frockcoat, and a dickey fastened with a pistol-shaped bronze tie-pin. The young man turned his head as he passed the britchka and eyed it attentively; after which he clapped his hand to his cap (which was in danger of being removed by the wind) and resumed his way. On the vehicle reaching the inn door, its occupant found standing there to welcome him the polevoi, or waiter, of the establishment—an individual of such nimble and brisk movement that even to distinguish the character of his face was impossible. Running out with a napkin in one hand and his lanky form clad in a tailcoat, reaching almost to the nape of his neck, he tossed back his locks, and escorted the gentleman upstairs, along a wooden gallery, and so to the bedchamber which God had prepared for the gentleman's reception. The said bedchamber was of quite ordinary appearance, since the inn belonged to the species to be found in all provincial towns—the species wherein, for two roubles a day, travellers may obtain a room swarming with black-beetles, and communicating by a doorway with the apartment adjoining. True, the doorway may be blocked up with a wardrobe; yet behind it, in all probability, there will be standing a silent, motionless neighbour whose ears are burning to learn every possible detail concerning the latest arrival. The inn's exterior corresponded with its interior. Long, and consisting only of two storeys, the building had its lower half destitute of stucco; with the result that the dark-red bricks, originally more or less dingy, had grown yet dingier under the influence of atmospheric changes. As for the upper half of the building, it was, of course, painted the usual tint of unfading yellow. Within, on the ground floor, there stood a number of benches heaped with horse-collars, rope, and sheepskins; while the window-seat accommodated a sbitentshik[1], cheek by jowl with a samovar[2]—the latter so closely resembling the former in appearance that, but for the fact of the samovar possessing a pitch-black lip, the samovar and the sbitentshik might have been two of a pair.

There was no response. Soon afterward, a skiff flying the Spanish flag approached the Charleston. Two Spanish officers came aboard and apologized for not having returned the American “salute” because they had no gunpowder left in their arsenal. It turned out that they had not been resupplied for months and did not know the United States and Spain were at war. The next morning an American lieutenant went ashore. At 10:15 he handed the Spanish commandant a message demanding surrender of the island within thirty minutes. The commandant retired to his quarters. Twenty-nine minutes later he emerged with a reply. “Being without defenses of any kind and without any means for meeting the present situation,” he had written, “I am under the sad necessity of being unable to resist such superior forces and regretfully accede to your demands.

But what about the spot brokers themselves? A few drifted to banks where they became traders or, more commonly, salesmen. Some simply retired or found work outside finance. Anecdotally, a number of them became London black-cab drivers. In around 2003 I met one who had done just that. I struck up a conversation with him as he took me home from the office; his name was Mickey. ‘I used to be a spot broker,’ he told me after he found out where I worked, ‘it was great.’ We reminisced for a while about the way the FX market had been, then, as we approached my street, he said, a little sadly, ‘But it had to end, we couldn’t beat the computers – they ate us all alive.’ We arrived outside my house where I got out and paid him. As he began to drive off, he slowed down and shouted back at me, ‘They ate us alive – and they’ll do it to everyone!’ With that, he turned the corner and drove out of sight.

The person who discovered the answer was a retiring, self-funded scientist named Peter Mitchell who in the early 1960s inherited a fortune from the Wimpey house-building company and used it to set up a research center in a stately home in Cornwall. Mitchell was something of an eccentric. He wore shoulder-length hair and an earring at a time when that was especially unusual among serious scientists. He was also famously forgetful. At his daughter’s wedding, he approached another guest and confessed that she looked familiar, though he couldn’t quite place her. “I was your first wife,” she answered. Mitchell’s ideas were universally dismissed, not altogether surprisingly. As one chronicler has noted, “At the time that Mitchell proposed his hypothesis there was not a shred of evidence in support of it.” But he was eventually vindicated and in 1978 was awarded the Nobel Prize in Chemistry—an extraordinary accomplishment for someone who worked from a home lab. The

Often, after the rest of my family had retired for the night, I took the boat, and passed many hours upon the water. Sometimes, with my sails set, I was carried by the wind: and sometimes, after rowing into the middle of the lake, I left the boat to pursue its own course, and gave way to my own miserable reflections. I was often tempted, when all was at peace around me, and I the only unquiet thing that wandered restless in a scene so beautiful and heavenly--if I except some bat, or the frogs, whose harsh and interrupted croaking was heard only when I approached the shore--often, I say, I was tempted to plunge into the silent lake, that the waters might close over me and my calamities for ever. But I was restrained, when I thought of the heroic and suffering Elizabeth, whom I tenderly loved, and whose existence was bound up in mine. I thought also of my father and surviving brother: should I by my base desertion leave them exposed and unprotected to the malice of the fiend whom I had let loose among them?

undo that cloak — and accepted the pistol. The seconds retired, the gentleman on the camp-stool did the same, and the belligerents approached each other. Mr. Winkle was always remarkable for extreme humanity. It is conjectured that his unwillingness to hurt a fellow-creature intentionally was the cause of his shutting his eyes when he arrived at the fatal spot; and that the circumstance of his eyes being closed, prevented his observing the very extraordinary and unaccountable demeanour of Doctor Slammer. That gentleman started, stared, retreated, rubbed his eyes, stared again, and, finally, shouted, ‘Stop, stop!’ ‘What’s all this?’ said Doctor Slammer, as his friend and Mr. Snodgrass came running up; ‘that’s not the man.’ ‘Not the man!’ said Doctor Slammer’s second. ‘Not the man!’ said Mr. Snodgrass. ‘Not the man!’ said the gentleman with the camp-stool in his hand. ‘Certainly not,’ replied the little doctor. ‘That’s not the person who insulted me last night.’ ‘Very extraordinary!’ exclaimed the officer. ‘Very,’ said the gentleman with the camp-stool.

If she could push him out of her mind and enter his, what else could she do? What might she be able to do with regard to someone else? Someone less skilled, untrained in the ways of the Force? The single guard posted just inside the front of her cell, for example? “You!” He turned toward her, patently unconcerned and not a little bored. She studied him closely. As he was about to speak, she addressed him clearly and firmly—and not only with her voice. “You will remove these restraints. And you will leave this cell, with the door open, and retire to your living quarters.” The guard eyed her silently. He did not look in the least intimidated. Her confidence wavering as she shifted slightly in her bonds, she repeated what she had said with as much authority as she could muster. “You will remove these restraints. And you will leave this cell, with the door open, and retire to your living quarters. You will speak of this encounter to no one.” Raising the heavy, black-and-white rifle he held, he came toward her. Heart pounding, she watched him approach. Was she going to be killed, freed, or maybe laughed at? Halting before her, he looked down into her eyes. When he spoke again, there was a notable alteration in his voice. It was significantly less confrontational and—distant. “I will remove these restraints. And leave this cell, with the door open, and retire to my living quarters. I will speak of this encounter to no one.” Working methodically, he unlatched her shackles. He stood and stared at her for a moment, then turned and wordlessly started for the doorway. Lying in shock on the reclined platform, Rey hardly knew what to do next. She was free. No, she corrected herself: She was free of this cell. That hardly constituted freedom. But it was a beginning. As the guard reached the doorway, she spoke hastily. “And you will drop your weapon.” “I will drop my weapon,” he responded in the same uninflected voice. This he proceeded to do, setting the rifle down on the floor, then turning left into the outside corridor to depart in silence. For a long moment she stared at the open portal. Deciding that it was not a joke and that the guard was not waiting for her just outside the cell, she moved to pick up the weapon and leave. —

In January 2004 President George W. Bush put NASA in high gear, heading back to the moon with a space vision that was to have set in motion future exploration of Mars and other destinations. The Bush space policy focused on U.S. astronauts first returning to the moon as early as 2015 and no later than 2020. Portraying the moon as home to abundant resources, President Bush did underscore the availability of raw materials that might be harvested and processed into rocket fuel or breathable air. “We can use our time on the moon to develop and test new approaches and technologies and systems that will allow us to function in other, more challenging, environments. The moon is a logical step toward further progress and achievement,” he remarked in rolling out his space policy. To fulfill the Bush space agenda required expensive new rockets—the Ares I launcher and the large, unfunded Ares V booster—plus a new lunar module, all elements of the so-called Constellation Program. The Bush plan forced retirement of the space shuttle in 2010 to pay for the return to the moon, but there were other ramifications as well. Putting the shuttle out to pasture created a large human spaceflight gap in reaching the International Space Station. The price tag for building the station is roughly $100 billion, and without the space shuttle, there’s no way to reach it without Russian assistance. In the end, the stars of the Constellation Program were out of financial alignment. It was an impossible policy to implement given limited NASA money.

Two days ago, I was lunching at the Writers Union with the eminent historian Tomashevski. That's the sort of man you should know. Respected, charming, hasn't produced a piece of work in ten years. He has a system, which he explained to me. First, he submits an outline for a biography to the Academy to be absolutely sure his approach is consistent with Party policy. A crucial first step, as you'll see later. Now, the person he studies is always an important figure - that is, someone from Moscow - hence Tomashevski must do his Russian research close to home for two years. But this historical character also traveled, yes, lived for some years in Paris or London; hence Tomashevski must do the same, apply for and receive permission for foreign residence. Four years have passed. The Academy and the Party are rubbing their hands in anticipation of this seminal study of the important figure by the eminent Tomashevski. And now Tomashevski must retire to the solitude of a dacha outside Moscow to tend his garden and creatively brood over his cartons of research. Two more years pass in seminal thought. And just as Tomashevski is about to commit himself to paper, he checks with the Academy again only to learn that Party policy has totally about-faced; his hero is a traitor, and with regrets all around, Tomashevski must sacrifice his years of labor for the greater good. Naturally, they are only too happy to urge Tomashevski to start a new project, to plow under his grief with fresh labor. Tomashevski is now studying a very important historical figure who lived for some time in the South of France. He says there is always a bright future for Soviet historians, and I believe him.

✓My music had roots which I'd dug up from my own childhood, musical roots buried in the darkest soil. ✓What makes my approach special is that I do different things. I do jazz, blues, country music and so forth. I do them all, like a good utility man ✓What is a soul? It's like electricity - we don't really know what it is, but it's a force that can light a room ✓There are many spokes on the wheel of life. First, we're here to explore new possibilities. ✓I did it to myself. It wasn't society... it wasn't a pusher, it wasn't being blind or being black or being poor. It was all my doing. ✓What makes my approach special is that I do different things. I do jazz, blues, country music and so forth. I do them all, like a good utility man. ✓There's nothing written in the Bible, Old or New testament, that says, 'If you believe in Me, you ain't going to have no troubles.' ✓Music to me is like breathing. I don't get tired of breathing, I don't get tired of music. ✓Just because you can't see anything , doesn't mean you should shut your eyes. ✓Don't go backwards - you've already been there. ✓Affluence separates people. Poverty knits 'em together. You got some sugar and I don't; I borrow some of yours. Next month you might not have any flour; well, I'll give you some of mine. ✓Sometimes my dreams are so deep that I dream that I'm dreaming. ✓I don't think any of us really knows why we're here. But I think we're supposed to believe we're here for a purpose. ✓I'd like to think that when I sing a song, I can let you know all about the heartbreak, struggle, lies and kicks in the ass I've gotten over the years for being black and everything else, without actually saying a word about it. ✓.There's nothing written in the Bible, Old or New testament, that says, 'If you believe in Me, you ain't going to have no troubles.' ✓Other arms reach out to me, Other eyes smile tenderly, Still in peaceful dreams I see, The road leads back to you. ✓I can't help what I sound like. What I sound like is what i am. You know? I cannot be anything other that what I am. ✓Music is about the only thing left that people don't fight over. ✓My version of 'Georgia' became the state song of Georgia. That was a big thing for me, man. It really touched me. Here is a state that used to lynch people like me suddenly declaring my version of a song as its state song. That is touching. ✓Absence makes the heart grow fonder and tears are only rain to make love grow. ✓If you can play the blues, you can do anything. ✓I never considered myself part of rock 'n' roll. My stuff was more adult. It was more difficult for teenagers to relate to; my stuff was filled with more despair than anything you'd associate with rock 'n' roll. Since I couldn't see people dancing, I didn't write jitterbugs or twists. I wrote rhythms that moved me. My style requires pure heart singing. ✓It's like Duke Ellington said, there are only two kinds of music - good and bad. And you can tell when something is good. ✓Rhythm and blues used to be called race music. ... This music was going on for years, but nobody paid any attention to it. ✓Crying's always been a way for me to get things out which are buried deep, deep down. When I sing, I often cry. Crying is feeling, and feeling is being human. ✓I cant retire from music any more than I can retire from my liver. Youd have to remove the music from me surgically—like you were taking out my appendix. ✓The words to country songs are very earthy like the blues. They're not as dressed up and the people are very honest and say, 'Look, I miss you darlin', so I went out and got drunk in this bar.' That's the way you say it. Where in Tin Pan Alley they would say, 'Oh I missed you darling, so I went to this restaurant and I sat down and had a dinn

The village square teemed with life, swirling with vibrant colors and boisterous chatter. The entire village had gathered, celebrating the return of their ancestral spirit. Laughter and music filled the air, carrying with it an energy that made Kitsune smile. Paper lanterns of all colors floated lazily above, their delicate glow reflecting on the smiling faces below. Cherry blossoms caught in the playful breeze, their sweet, earthy scent settling over the scene. At the center, villagers danced with unbridled joy, the rhythm of the taiko drums and the melody of flutes guiding their steps. To the side, a large table groaned under the weight of a feast. Sticky rice balls, steamed dumplings, seaweed soup, sushi, and more filled the air with a mouthwatering aroma. As she approached the table, she was greeted warmly by the villagers, who offered her food, their smiles genuine and welcoming. She filled a plate and sat at a table with Goro and Sota, overlooking the celebration. The event brought back a flood of memories of a similar celebration from her childhood—a time when everything was much simpler and she could easily answer the question who are you? The memory filled her heart with a sweet sadness, a reminder of what she lost and what had carved the road to where she was now. Her gaze fell on the dancing villagers, but she wasn’t watching them. Not really. Her attention was fully embedded in her heart ache, longing for the past, for the life that was so cruelly ripped away from her. “I think... I think I might know how to answer your question,” she finally said, her voice soft and steady, barely audible over the cacophony of festivity around them. “Oh?” Goro responded, his face alight with intrigue. “I would have to tell you my story.” Kitsune’s eyes reflected the somber clouds of her past. Goro swallowed his bite of food before nodding. “Let us retire to the dojo, and you can tell me.” They retreated from the bustling square, leaving behind the chaos of the celebration. The sounds of laughter and chatter and drums carried away by distance. The dojo, with its bamboo and sturdy jungle planks, was bathed in the soft luminescence of the moonlight, the surface of its wooden architecture glistening faintly under the glow. They stepped into the silent tranquility of the building, and Kitsune made her way to the center, the smooth, cool touch of the polished wooden floor beneath her providing a sense of peace. Assuming the lotus position, she calmed herself, ready to speak of memories she hadn’t confronted in a long time. Not in any meaningful way at least. Across from her, Goro settled, his gaze intense yet patient, encouraging her with a gentle smile like he somehow already understood her story was hard to verbalize.

The Xinthia were regarded with something approaching affection by even the most ruthless and unsentimental of the galaxy’s Involved, partly because they had done much great work in the past – they had been particularly active in the Swarm Wars of great antiquity, battling runaway nanotech outbreaks, Swarmata in general and other Monopathic Hegemonising Events – but mostly because they were no threat to anybody any more and a system of the galactic community’s size and complexity just seemed to need one grouping that everybody was allowed to like. Utterly ancient, once near-invincibly powerful, now reduced to one paltry solar system and a few eccentric individuals hiding in the Cores of Shellworlds for no discernible reason, the Xinthia were seen as eccentric, bumbling, well-meaning, civilisationally exhausted – the joke was they hadn’t the energy to Sublime – and generally as the honoured good-as-dead deserving of a comfortable retirement.

Few societies have come to grips with the new demography. We cling to the notion of retirement at sixty-five - a reasonable notion when those over sixty-five were a tiny percentage of the population but increasingly untenable as they approach 20 percent. People are putting aside less in savings for old age now than they have at any time since the Great Depression. More than half of the very old now live without a spouse and we have fewer children than ever before, yet we give virtually no thought to how we will live out our later years alone.

I’ve ruined things for you,” I said, eyes hot and tears threatening to fall. “I fucked up and now you’ll end up with a record. You’ll never have your dream because of me. I’m so sorry.” Wrapping me in his strong arms, Nick sighed. “I punched him and made the first move. It’s not your fault.” “You had to punch him. He was calling me names and you’re my man.” Nick smiled down at me. “Yeah, I couldn’t let him trash my girl.” “I should have just ignored him or been polite.” “I love you enough to know ignoring him and doing the polite shit was never happening. It’s not your way and I don’t want you to pretend. Maybe other people need that from you, but I love all of you even the crazy temperamental parts.” “I ruined your dream though.” “I’ll get a new dream.” My heart broke at how easily Nick accepted his lost dream. “You wanted that one so bad.” “I want you more.” “Maybe we can run. I have money. Let’s run and hide. You’re giving up your dream. I can give up my home, so we’ll be even.” Nick grinned then looked behind me. “This is my home now too and I’m not giving it up.” Turning to follow Nick’s gaze, I saw my parents approaching. Pop tossed his cigarette on the ground then laughed. “I always figured Sawyer would be the one to attack a cop,” he said as Mom smiled. “He called me a bitch and Nick punched him.” “Seems fair.” “Then he was going to arrest Nick, so I had to do something.” “I can see that,” Pop said, hugging me. “Did he rough you two up?” “No. Well, his face might have hurt Nick’s fist.” “I’m fine,” Nick said, giving me an amused look. “Pop,” I mumbled, panicking despite attempts to find the situation funny. “Dickhead is going to ruin Nick’s future as a teacher. You have to do something.” My pop grinned at Mom then shook his head. “All this drama is Coop’s problem now. I’m retired.” Frowning, I wanted Pop to wave his hand and fix things like he normally did. Instead, he expected me and my brothers to behave like adults. Had he never met us? “It’ll be fine,” Nick said, lacing his finger in the loop of my shorts and tugging back against him. “Darling can file charges if he wants, but he’ll put a target on himself too. It’s his choice.” My dad smiled and nodded while Mom threw a ball at the dogs. “Nick ain’t wrong. Dickhead might have a big mouth and show off, but he knows his place. He went to school with your brothers and understands what happens when the family feels threatened.” “Okay,” I said, still worried. “I can’t believe I lost my temper like that.” Mom and Pop laughed first then Nick started up. I just rolled my eyes.

Once more, one who lives in the spirit of prayer will spend much time in retired and intimate communion with God. It is by such a deliberate engagement of prayer that the fresh springs of devotion which flow through the day are fed. For, although intercourse with God is the life-energy of the renewed nature, our souls ‘cleave to the dust’, and devotion tends to grow formal – it becomes emptied of its spiritual content, and exhausts itself in outward acts. The Master reminds us of this grace peril, and informs us that the true defence against insincerity in our approach to God lies in the diligent exercise of private prayer.

You don’t care if it’s cold and raining or warm and sunny 10,000 miles away because it’s not your weather. The same detachment should apply to your 401(k) investments until you approach retirement. Even

Tell me, does it seem worth it to you to suffer this punishment for a rag?” “Without question,” Steldor forcefully answered, and cheers rolled like thunder through the Hytanicans who had gathered to watch, sending chills down my spine. Rava’s lip curled into a sneer and she walked behind him, motioning to the Cokyrians holding the ropes to pull them tight, spreading his arms wide. With a swift and practiced motion, she raised the whip and brought it down hard upon his broad back, drawing blood with her first stroke, and gasps reverberated almost as loudly as had the cheers. “Is it worth it?” she demanded. “Yes,” he managed to answer, gritting his teeth against the pain. She struck him twice more, and though I could hardly bear it, I forced myself to watch, the muscles of my back spasming as each stroke landed. “Is it worth it?” “Yes!” Once more she struck, and again, until the ragged flesh and sinew of Steldor’s back was coated with blood--blood that flowed so heavily it ran down his sides. Women in the crowd now wept openly, while men cursed and shouted. I took in a shaky breath, knowing only one lash remained. Steldor would survive, and so would I. So would we all. Rava brought the whip down on Steldor for the sixth time, and his head hung forward. Was he still conscious? Or were the ropes around his wrists the only things keeping him from collapsing? Evidently wondering the same, Rava approached him and reached down, grasping a handful of his nearly black hair to pull his head up. His eyes were open, but barely focused. “Tell me, boy. Is it worth it?” she said in a near whisper. He smiled, revealing teeth smeared with blood from biting his tongue to hold back screams. “Yes.” Rage marred Rava’s face at her inability to break him, and she brutally shoved his head down. Backing up, she uncoiled the whip that was supposed to have retired, and flayed him again, more viciously than before. Steldor cried out this time, the sound tearing at my heart, and when the soldiers dropped the ropes, he crumpled forward. Knowing he had to be in tremendous pain, I was thankful for the respite the darkness would provide. Silence now reigned around us--no voices, no movements, hardly any breathing. It felt like the world had temporarily been turned to stone. Rava handed the whip to another soldier and stalked back toward the Bastion without a glance or word for anyone. She was cruel and heartless and arrogant, and hatred for her boiled within me as I watched the Cokyrians remove the ropes from Steldor’s wrists. They hauled him up by his arms and dragged him inside, leaving a crimson trail on the white walk. The rest of us followed, and I glanced at Cannan, who had managed more stoicism during the proceeding than had I. He had been witness to greater brutality during both wars with Cokyri, but I knew he would have willingly taken his son’s punishment in his stead. After seeing him in the cave, holding and protecting Steldor when we’d all feared the King’s death, I knew that beneath his strength and bravery, he ached.

I, too, intend in this book to teach not only people who live in retirement, but everyone else, especially those in the world, among whom are many who greatly desire all that is good, and who do not lack the opportunity, but instruction, as to how to approach God in secret prayer

I have seen people who never made over $30,000 per year retire comfortably, while couples who made hundreds of thousands of dollars approach retirement almost penniless.

The objective for retirement is first to build a safe and secure income floor for the entire retirement planning horizon, and only after that does one include more volatile assets that provide greater upside potential and accompanying risk.

I met my Aunt August for the first time in more than half a century at my mother's funeral. My mother was approaching eighty-six when she died, and my aunt was some eleven or twelve years younger. I had retired from the bank two years before with an adequate pension and a silver handshake. There had been a take-over by the Westminster and my branch was considered redundant. Everyone thought me lucky, but I found it difficult to occupy my time. I have never married, I have always lived quietly, and, apart from my interest in dahlias, I have no hobby. For those reasons I found myself agreeably excited by my mother's funeral.

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.

So make the necessary arrangements to get the rest you need, planning to begin your morning with Jesus on the foundation of a quiet evening and a good night’s sleep. Then, as you retire to bed, commit to meet with God first thing when you wake, and go over in your mind how that will be. This is a wonderful way to fall asleep in prayer. You can also use the simple prayers of childhood, the Lord’s Prayer, or Psalm 23 to lead you into restful sleep. Whatever you choose, let it include this simple prayer of faith: “I will both lie down in peace, and sleep; for You alone, O LORD, make me dwell in safety” (Ps. 4:8). If you approach the evening in this way, you will awaken with great anticipation of your day with Jesus.

I have long exercised an honest introspection, the exquisitely painful approach to wisdom. Self−scrutiny, relentless observance of one's thoughts, is a stark and shattering experience. It pulverizes the stoutest ego. But true self−analysis mathematically operates to produce seers. The way of 'self−expression,' individual acknowledgements, results in egotists, sure of the right to their private interpretations of God and the universe. Truth humbly retires, no doubt, before such arrogant originality.

Evidence suggests that individuals face a high likelihood of disappointing retirement incomes, based on low savings rates, poor investment choices, and inferior portfolio execution.

Role Modeling and Meaningful Mentors Given the importance of socialization in leadership education and the power of analogue to organize people's approaches, one important facet of training the next generation of impact investors is to celebrate role models. Historically business schools have exposed students to leading businesspeople who have exemplified a model life in which their business success was followed by a retirement enriched by charity work. Now the increasing popularity on business school campuses of impact investing pioneers is offering an alternative model for students to follow. Schools that recognize the importance of mentoring and role modeling will need to identify additional opportunities to expose students to similarly forward-looking role models. Beyond the charismatic entrepreneurs, role models can also come from the leaders of networks, standard-setting bodies and other industry-builders who will increasingly represent high-leverage leadership in the impact investing industry's next phase.

When anger is repressed by reason of inability to do immediate harm, it retires into the heart in the form of malice and breeds these vices—envy, triumph over the enemy's ill, repulsion of friendly approaches, contempt, slander, derision, personal violence, and injustice. MURDER

What Creator god worth its salt would give even the slightest shit about a sacrificed goat or how often you masturbate? Besides, there is an element of self-respect here. He’s just not that into you. It is the neuroses-inducing idiocy of a personally approachable universal creator that is the savage belief. (Had Meister Eckhart been a Victorian explorer, Christianity would have put a better foot forward than it did with the retired vicars of the nineteenth century or the happy-clappy, flyover morons wandering about Africa and the Amazon today.)

One forty-something client told me his vision, formulated by his younger self: “I see myself retired, sitting on a tropical beach, drinking margaritas in the sunshine.” That’s not a plan. That’s a travel poster. After eight margaritas, you’re fit only to await the hangover. After three weeks of margarita-filled days, if you have any sense, you’re bored stiff and self-disgusted. In a year, or less, you’re pathetic. It’s just not a sustainable approach to later life. This kind of oversimplification and falsification is particularly typical of ideologues.

through any structure without detection by his prey. He was a flawless assassin. It was just before five local time when Steven settled into the plush leather seating of the first-class compartment. The Deutsche Bahn Intercity Express, or ICE, was a high-speed train connecting major cities across Germany with other major European destinations. The trip to Frankfurt would take about four hours, giving him time to spend some rare personal time with his team. Slash was the first to find him. The men shook hands and sat down. Typically, these two longtime friends would chest bump in a hearty bro-mance sort of way, but it would be out of place for Europe. “Hey, buddy,” said Steven. “Switzerland is our new home away from home.” “It appears so, although the terrain isn’t that different from our place in Tennessee,” said Slash. “I see lots of fishin’ and huntin’ opportunities out there.” Slash grew up on his parents’ farm atop the Cumberland Plateau of Tennessee about halfway between Nashville and Knoxville. His parents were retired and spent their days farming while raising ducks, rabbits and some livestock. While other kids spent their free time on PlayStation, Slash grew up in the woods, learning survival skills. During his time with the SEAL Teams, he earned a reputation as an expert in close-quarters combat, especially using a variety of knives—hence the nickname Slash. “Beats the heck out of the desert, doesn’t it?” asked Steven. After his service ended, Slash tried a few different security outfits like Blackwater, protecting the Saudi royal family or standing guard outside some safe house in Oman. “I’m not saying the desert won’t call us back someday, but I’ll take the Swiss cheese and German chocolate over shawarma and falafel every friggin’ day!” “Hell yeah,” said Slash. “When are you comin’ down for some ham and beans, along with some butter-soaked cornbread? My folks really wanna meet you.” “I need to, buddy,” replied Steven. “This summer will be nuts for me. Hey, when does deer hunting season open?” “Late September for crossbow and around Thanksgiving otherwise,” replied Slash. Before the guys could set a date, their partners Paul Hittle and Raymond Bower approached their seats. Hittle, code name Bugs, was a former medic with Army Special Forces who left the Green Berets for a well-paying job with DynCorp. DynCorp was a private

ANALYSIS: “The Book of the Grotesque” (1919) from Winesburg, Ohio Sherwood Anderson (1876-1941) In the first of the sketches, ‘The Book of the Grotesque,’ utilizing as a statement of purpose, Anderson points out his approach in symbolic terms. As the title indicates, he shows that the individuals he is dealingwith in the stories have each been twisted into psychological shapes having, in most cases, little to do with external appearance. This distortion results from both the narrowness of their own vision and that of others; in some cases the first is primarily at fault, while in others it is the latter. From this point the problem inherent in human isolation takes on two aspects: the first is, of course, the specific cause in individual cases; the second and more important is determining with exactness and hence understanding the nature of each grotesque. Thus, in the book he is approaching the understanding that Sam McPherson sought in a way that demands empathy, compassion, and intuition… In this sketch, which characterizes an old writer who has attained understanding of his fellow men and has retired from life to observe men and to teach them understanding, Anderson defines his problem symbolically because he has learned that there is no direct, obvious cause but that there are causes as diverse as the individuals who make up the world. In the sketch the old writer reveals his secret knowledge of the nature of mankind, noting: … ‘It was the truths that made the people grotesques…. The moment that one of the people took one of the truths to himself, called it his truth, and tried to live his life by it, he became a grotesque and the truth he embraced became a falsehood.’ [italics added] Using this symbolic interpretation as a basis, Anderson sets off to use intuitive perception to try to find in the lives of the people with whom he is dealing whatever it is in themselves that has prevented them from reaching their full potential as human beings and that has cut them off from their fellows. He shows, too, his realization that the cause is not something as easily perceived and denounced as modern industrialism but that it is as old as the human race. False ideas, false dreams, false hopes, and false goals have distorted man’s vision almost from the beginning. Anderson is attempting in the stories to approach these people who have had such indignities inflicted on them as to become spiritual grotesques, and most importantly, he is attempting to understand them as people rather than as curious specimens of spiritual deformity.

KIRKUS REVIEWS BOOK REVIEW A retired professor explores the life and writings of Carl Sandburg in this debut book. “During the first half of the twentieth century,” Quinley writes, “Carl Sandburg seemed to be everywhere and do everything.” Though best known for his Pulitzer Prize–winning poetry and multivolume biography of Abraham Lincoln, Sandburg had a wide-ranging career as a public intellectual, which included stints in journalism as a columnist and investigative reporter, in musicology as a leading advocate and performer of folk music, and in the nascent movie industry as a consultant and film critic. He also dabbled in political activism, children’s literature, and novels. Not only does Quinley, a retired college administrator and professor, hail Sandburg as a 20th-century icon (“If my grandpa asks you a question,” his grandchildren joke, “the answer is always Carl Sandburg”), but much of his own life has been adjacent to that of the poet as well. Born in Maywood, Illinois, a “few blocks” from Sandburg’s home 30 years prior, Quinley would eventually move to the Appalachian Mountains. He lived just a few miles from Sandburg’s famed residence in Hendersonville, North Carolina. As a docent for the Carl Sandburg Home National Historic Site, the author was often asked for literature about the luminary’s life. And though much has been written about Sandburg, biographies on the iconoclast are either out of print or are tomes with more than 800 pages. Eschewing comprehensiveness for brevity, Quinley seeks to fill this void in the literary world by offering readers a short introduction to Sandburg’s life and writings. At just 122 pages, this accessible book packs a solid punch, providing readers with not just the highlights of Sandburg’s life, but also a sophisticated analysis of his passions, poetry, and influence on American culture. This engaging approach that’s tailored to a general audience is complemented by an ample assortment of historical photographs. And while its hagiographic tone may annoy some readers, this slim volume is backed by more than 260 endnotes and delivers an extensive bibliography for readers interested in learning more about the 20th century’s “voice of America.” A well-written, concise examination of a literary legend Kirkus Indie, Kirkus Media LLC, 2600 Via Fortuna Suite 130 Austin, TX 78746 indie@kirkusreviews.com

Our regiment was all women…We flew to the front in May 1942… The planes they gave us were Po-2s. Small, slow. They flew only at a low level. Hedge-hopping. Just over the ground! Before the war young people in flying clubs learned to fly in them, but no one could have imagined they would have any military use. The plane was constructed entirely of plywood, covered with aircraft fabric. In fact, with cheesecloth. One direct hit and it caught fire and burned up completely in the air, before reaching the ground. Like a match. The only solid metal part was the M-11 motor. Later on, toward the end of the war, we were issued parachutes, and a machine gun was installed in the pilot’s cabin, but before there had been no weapon, except for four bomb racks under the wings—that’s all. Nowadays they’d call us kamikazes, and maybe we were kamikazes. Yes! We were! But victory was valued more than our lives. “Before I retired, I became ill from the very thought of how I could possibly not work. Why then had I completed a second degree in my fifties? I became a historian. I had been a geologist all my life. But a good geologist is always in the field, and I no longer had the strength for it. A doctor came, took a cardiogram, and asked, “When did you have a heart attack?” “What heart attack?” “Your heart is scarred all over.” I must have acquired those scars during the war. You approach a target, and you’re shaking all over. Your whole body is shaking, because below it’s all gunfire: fighter planes are shooting, antiaircraft guns are shooting…Several girls had to leave the regiment; they couldn’t stand it. We flew mostly during the night. For a while they tried sending us on day missions, but gave it up at once. A rifle shot could bring down a Po-2… We did up to twelve flights a night. (...) You come back and you can’t even get out of the cabin; they used to pull us out. We couldn’t carry the chart case; we dragged it on the ground. And the work our girl armorers did! They had to attach four bombs to the aircraft by hand—that meant eight hundred pounds. They did it all night: one plane takes off, another lands. The body reorganized itself so much during the war that we weren’t women…We didn’t have those women’s things…Periods…You know…And after the war not all of us could have children.

The bottom line, when it comes to rebooted retirement, is that it’s not just about a new “length of service.” It’s also a mindset shift, in which you’re only partially defined by what you do. Other criteria include how well you adapt to a variety of careers—ones that will hopefully give you a sense of purpose, satisfaction, and optimism. Some things to consider when it comes to a new approach to retirement: •   Zero in on the aspects of your work that you love and physically can do and focus on those. •   Examine educational opportunities to develop skills in new areas that will allow you to keep pursuing your passions. •   Assuming you’re financially stable, consider a second (or third or fourth) career in new areas in which you’re motivated by passion, rather than money.

Andrei looked down at the wet sand and watched the waves advance closer to the land then fall backward. Each proposal, the water took a new shape, like the varying flame of the candles back at the church. The ocean approached him briefly, saluted, and retired in casual speed. Its transient withdrawal marked different contours on the earth, spreading its foam in this place and that. And there it was, the universe showing mankind once again that nothing belongs. People go, places change, and time continues. All they had were their moments. And some of those moments turned into memories. And some of those memories hurt. And depending on whatever the pain was, that was what differentiated one person from another.

Once you approach the $189,000 income threshold for a married couple ($120,000 for singles), your ability to make Roth IRA contributions begins to phase out.

Doing a break-even analysis: The payoff from different retirement dates A break-even analysis compares what you get in your lifetime if you pick different dates to collect Social Security. It’s a way to estimate your total payoff from retiring at an earlier date (with reduced monthly payments) and retiring at a later date (with higher monthly payments). This approach gets some criticism, because it can lead to a costly decision if you end up living longer than expected. Factors such as your health and other financial resources also should be weighed in deciding when it makes the most sense to claim retirement benefits. But I also know that many people care — understandably! — how much Social Security they may get in a lifetime. In general, if you die before reaching the break-even age, and you started collecting benefits at the earlier date, you come out ahead. If you live beyond your break-even age but started benefits at the later date, you also come out ahead, because those bigger payments add up over time. Where you lose out is if you die before reaching the break-even age (and you started collecting larger benefits at the later date) or if you die after your break-even age (and you started smaller benefits at the earlier date). The break-even approach is a common tool recommended by financial planners, and it can provide perspective. But it’s just one consideration. The more you care about how your benefits add up over a lifetime, the greater weight you may give a break-even calculation. The more you care about ending up with the biggest monthly benefit, the greater weight you may give to delaying your claim for Social Security.

We now understand that there are serious issues with using MPT to determine investment portfolios for household investors, especially after retirement begins. Harry Markowitz recognized this. After winning the Nobel Prize in 1990, he was asked to write an article in 1991 for the first issue of Financial Services Review about how MPT applies to household investors. This article was named, “Individual versus Institutional Investing.” In the article, he writes about how he had never thought about the household’s investing problem before, and after reflecting on it for an evening, he realized that households face a very different investing problem from the large institutional investors, such as mutual funds, he had in mind when developing MPT. MPT does not teach how individual households should build investment strategies to meet their lifetime financial planning goals.

A key difference between probability-based and safety-first approaches is that the probability-based approach is more comfortable with accepting greater volatility for higher return potential and an improved chance for success, while the safety-first approach looks for alternatives that do not expose core retirement spending goals to market volatility. The question is ultimately about which is the best way to be able to spend more than a bond ladder can support: to rely on the excess returns expected to be provided by the stock market, or to rely on the power of risk pooling to bring additional spending power to those facing a higher cost retirement.

Or, you can simply tell people that you don’t care what happens in the markets—that you own businesses that grow regardless of where the S&P 500 closes. Then, change the subject. You know you will retire rich. You don’t have to talk about it.

Wealth Building Cornerstones.

Unsurprisingly, a retired dentist who starts a restaurant for the sex, or to be told he's marvelous, is totally unprepared for the realities of the business. He's completely blindsided when the place doesn't start making money immediately. Under-capitalized, uneducated about the arcane requirements of new grease traps, frequent refrigeration repairs, unforeseen equipment replacement, when business drops, or fails to improve, he panics, starts looking for the quick fix. He thrashes around in an escalating state of agitation, tinkering with concept, menu, various marketing schemes. As the end draws near, these ideas are replaced by more immediately practical ones: closed on Sundays. . . cut back staff . . . shut down lunch. Naturally, as the operation becomes more schizophrenic — one week French, one week Italian — as the poor schmuck tries one thing after another like a rat trying to escape a burning building, the already elusive dining public begins to detect the unmistakable odor of uncertainty, fear and approaching death. And once that distinctive reek begins to waft into the dining room, he may as well lay out petri-dishes of anthrax spores as bar snacks, because there is no way the joint is gonna bounce back. It's remarkable how long some of these neophytes hang on after the clouds of doom gather around the place, paying for deliveries COD as if magic will happen — one good weekend, a good review, something will somehow save them. Like some unseen incubus, this evil cloud of failure can hang over a restaurant long after the operation has gone under, killing any who follow. The cumulative vibe of a history of failed restaurants can infect an address year after year, even in an otherwise bustling neighborhood. You can see it when passersby peer into the front window of the next operator; there's a scowl, a look of suspicion, as if they are afraid of contamination.

On one level this was stressful and pressure-laden, but on another he could not have been more comfortable. Richard knew a few people who, like himself, basically could not stop making money no matter what they did; they could be kicked out the door of a moving taxi anywhere in the world and be operating a successful business within weeks or months. It usually took a few tries to get the hang of it. Beyond that, it was possible to succeed beyond all reasonable bounds if one kept at it. Some found an adequately successful business early enough in life that they were golden-handcuffed; others only figured out how to make money as they were approaching the age of retirement. After the smuggling and the Schloss, Richard had gotten to the place where he just knew how to do it, in the sense that every teenaged tinkerer who played with electricity knew that in order to make anything happen you had to connect a wire to each terminal of the battery. At some level, making any business run was that simple. Everything else was fussing with the knobs.

The war ended before the ENIAC was completed, but from late 1945 through its retirement in 1955, the ENIAC was the primary workhorse for the U.S. Army and Air Force for the computation of firing tables, and it was used in many other scientific and engineering

Purpose Somebody said, real self awareness lies beyond thinking, When the mind does not think, But can eyes serve their purpose if they are always closed or open? No, their true purpose lies in blinking, Even to realise we are not thinking we need to think, So when they say silence is what offers inner peace, I say without sounds, without voices, without music you experience a different form of silence, Where you find not inner peace, but just your forsaken and unknown piece, A piece that bears life’s no resonance, So, you may meditate in silence, but let your mind be filled with voices, Voices of love, voice of endless nature’s music, Because it is only in death you shall experience eternal silence as it marks the end of all voices, That is why death approaches silently, because it is only when you are alive that you can create and feel music, So if they tell you to stop thinking and remain still! Just smile, let them hear your voices of laughter and let them envy you, Because by forcing you into silence even before your time to die, they actually intend to kill, The beautiful and thinking mind gifted by universe just to you, only to you, And if silence and thoughtless existence were the true philosophy of the universe, Then there would exist flowers and nothing else, no breeze to scatter their scents and no birds to sing, In this universe nothing is purposeless or perverse, Imagine a beautiful butterfly withouts its wing, And a mind that does not think is like a butterfly without wings, Like a flower garden never visited by breeze, So sing aloud whenever your heart sings, Because with your mind and heart it is you who you should first be able to please, Let these silencers of your mind and its beautiful thoughts say whatever they wish to, You just fly like a butterfly with wings and dance to the tunes of every beautiful voice, Because mind is an instrument from which you can create whatever you wish to, So listen to the voices, listen to the sounds, love someone true and confess this to her in your beautiful voice, I wonder what silent love feels like where two hearts just beat but never communicate, Always remember your mind just like your life, serves a perspicuous purpose, But when your mind is silent it retires into the hinterland where nothing grows because it now has no thoughts to replicate, And it is then your heart turns impervious to every feeling, to every voice, and you begin to surmise about reality too that has an obvious purpose!

Lab Report Sheet The Principle: The Dude Abides Principle The Theory: There is an invisible energy force or field of infinite possibilities. And it’s yours for the asking. The Question: Does the FP exist? The Hypothesis: If there’s a 24/7 energy force equally available to everyone, I can access it at any time simply by paying attention. Furthermore, if I ask the force for a blessing, giving it a specific time frame and clear instructions, it’ll send me a gift and say, “My pleasure.” Time Required: 48 hours Today’s Date:__________ Time: __________ Deadline for Receiving Gift: __________ The Approach: I hate to break it to ya, FP, but folks are starting to talk. They’re starting to wonder, “Is this guy for real?” I mean, really, like it’d be so much skin off your chin to come down here and call off this crazy hide-and-seek thing you’ve been playing. I’m giving you exactly 48 hours to make your presence known. I want a thumbs-up, a clear sign, something that cannot be written off as coincidence. Research Notes:________________________________ ______________________________________________ “We now have a science of spirituality that is fully verifiable and objective.” —AMIT GOSWAMI, PH.D., RETIRED THEORETICAL

Thomas Rauchegger of Cramer & Rauchegger, Inc. is an accomplished financial consultant, licensed Series 7 Securities Representative, a Series 66 holder, a Certified Estate planner, and a life insurance license holder who obtained a Master of Business Administration from the University of Central Florida. In his 15 years of experience, Tom has adopted a philanthropic approach in the areas of finance and estate planning – delivering reliable and trustworthy service to all clients as an advocate for the best-possible retirement years.

For many investors, particularly those holding direct shares or approaching retirement, the GFC was a catastrophe that decimated their net worth. The plunge in the share market knocked billions off share prices and changed the retirement plans of a generation.

Watching the man approach with a strong, determined step, Rosenblatt suspected Gamache was no more retired than he himself

read Jack Welch’s books about General Electric and his management approach and never encounter the phrase “GE jerks.” Yet that is a term I first heard from a now-retired GE senior executive who reported directly to Mr. Welch.

Early July 2012 Young, I started reading your blog, “Life Of A Harem Boy,” and it brought back memories of our time together. As much as I am not in favor of you writing about our E.R.O.S. experiences, I applaud your bravery and the honest approach in your stories. Your courage to tell all has somehow convinced me to add my point of view to our adventures together. My dear, you sure have cogent ways of softening my stances in providing credence to your narrations. One thing I’m glad you didn’t do is tell your story as an exposé to discredit the positive experiences of our clandestine society, of the people involved and the schools we attended. For this I laud you. If you are open to my retelling of your stories through my experiences, we may at some point arrive at a juncture where we can be co-authors in one book of your Harem Boy series. This collaboration will provide further credibility to our escapades. I’d be happy to team up with you if you are open to me being a co-writer of one of your 5 books. Since I am semi-retired and have time to kill, it will be an excellent opportunity for me to recount part of my life story in conjunction with you. In many ways, I am glad we reconnected. Maybe the time is ripe for us to work on a joint project (which we had the intention of doing many years ago). Do you remember how we discussed a collaboration but never got around to it? This may be the perfect project. We can tell a similar story from different angles and points of view. I think we’ll also be able to rekindle our friendship more deeply. Let me know your thoughts.

Many people report that the greatest fear they face today is the fear of not having enough money to maintain their lifestyle throughout retirement. Does this sound like you? Social Security is still a vital role in retirement income. The greatest benefit Social Security provides is regular income that is guaranteed to increase over time and continue as long as you live. Keep in mind, Social Security taxes are just that – taxes. As a result, a worker’s retirement security is entirely dependent upon political decisions. Nevertheless, for now, this benefit makes Social Security one of the most valuable sources of income during one’s retirement. Unfortunately, most Americans do not know much about Social Security. They know even less about how to maximize the benefits that may help sustain them throughout retirement. Whether you are depending upon Social Security to make a significant impact on your retirement income or just a part of your entire financial portfolio, it would be wise to understand which claiming options are available to get the most out of your Social Security income. Even in these tough times and volatile markets, we help our clients take a comprehensive approach to their retirement planning. We offer a complimentary service that we call Social Security Maximization or SSI Max. There are hundreds of ways to claim your Social Security, but which one is right for you and your family? One simple mistake or misjudgment of the program can cost you thousands of dollars that you rightfully deserve. Download our free eBook: 4 Myths about Social Security Income to learn a few common misconceptions about Social Security Income. Find out your SSI Max Strategy Our team of experts use a proprietary system that links to the government’s official Social Security website. It only takes a few minutes to generate your SSI Max Report. Click here to see a sample report and act quickly to get your very own personalized report. Just schedule a call with me to find out your very own, optimal SSI Max Strategy! Click here to schedule now! P.S. – Be sure to ask me about including a “Shortfall Analysis” in your report. Our clients are LOVING this feature! Seriously! What is it? Our Advanced Case Design team builds a comprehensive financial plan best suited for your specific situation by considering all of your retirement vehicles. This is, without a doubt, the best retirement planning offer you will see in a very, very long time!

six approaches to be the most common: ​Rehosting (otherwise known as “lift-and-shift”) ​Replatforming (I sometimes call this “lift-tinker-and-shift”) ​Repurchasing (migrate to a different product/license, often SaaS) ​Refactoring (re-architect or re-imagine leveraging cloud-native capabilities) ​Retire (get rid of) ​Retain (do nothing, usually “revisit later”).

It’s preposterous, expecting a man to unburden himself to a woman,” Bennett Winchester slurred as the mantel clock chimed. Though it was midmorning the Bow Street Society’s parlour had neither daylight nor gaslight to soften the retired captain’s pointed profile. Bloodshot, brown eyes looked beyond the wall as he approached, turned, and retraced his route, each thump of his boot succeeded by the heavy thud of his peg-leg. Miss Trent’s gaze tracked him during each pass of her armchair yet she remained seated. “Captain Winchester,” she began, “you weren’t obligated to come here and I wasn’t obligated to receive you, yet here we are. Putting aside my disinclination to beg your pardon for my gender, I instead ask you to observe your surroundings. You and I are the only ones here. Therefore, your choice is clear—either swallow your masculine pride and tell me why you’re here, or leave and put your trust in those at Bow Street Police Station.” “Don’t speak such impertinence to me!” Captain Winchester barked, drawing Miss Trent to her feet. She countered, “I shall speak whatever I want, Captain, when you are in my domain.” His lips repeatedly furled and unfurled against gritted teeth while calloused hands, which had previously rested within his greatcoat’s deep pockets, balled at his sides. Starting at his neck, his already pink face steadily flushed as if port had spilt under his skin. He snarled, “How daare you, you uncouth wretch.” “Continue as you are, Captain Winchester, and I will be calling upon the officers at Bow Street,” Miss Trent promised despite his stale-rum-drenched breath turning her stomach. Whether it was the tone of her voice, her fixed gaze, the words themselves, or a combination of all three which cooled Bennett Winchester’s rage was unclear. Regardless the result was the same. After some aggressive chewing of his anger, the captain plonked himself in the vacant armchair. The clerk wasn’t naïve enough to think it ended, however. Instead, she enabled additional calming time by fetching tea from the kitchen. Coffee would’ve been more sobering for him but, alas, she suspected such a blatant assumption wouldn’t have been welcomed by his volatile temper. In due course Captain Winchester’s pallid complexion had returned and his hands had come to rest upon his thighs. She poured the amber liquid in silence and he accepted the cup without remark. “I must beg your pardon for my brutishness, Miss Trent,” he muttered against the steam rising from his cup.

He was successful where it counted, at the box office and record stores. He was one of the most ardent bond salesmen on the air during the war years, making an estimated 1,000 appearances at camps, hospitals, and other bond-raising functions. Kyser married one of his singers, Georgia Carroll, in 1944. A TV version of his Kollege ran on NBC in 1949–50, and another in 1954: neither approached the success of the radio show. He disbanded soon thereafter, retiring to North Carolina with his family. There he lived a private life, gave no interviews, and refused to discuss the old days even with friends. He became manager of the film and broadcasting department of the Christian Science Church, to which he gave much of his time in later life. He died June 23, 1985.

When an individual is in pain, the orders are bed rest and/or surgery and/or stabilization of the area through bracing and/or fusion and/or muscle strengthening. These are the very opposite approaches to take regarding healing. The appropriate therapy is to defeat fear and to become happier, more involved, and more productive. This isn’t easy—but it’s well worth the effort. The truth be told, people feel sorry for themselves, and so they often unknowingly place themselves in pain and dis-ease for attention or self-pity. Their anger then seeks out any previously abused area of the body or any newly recommended center of focus and attention as new modern diseases multiply as needed. People who are aware and fearing of their aging, naturally begin to feel sorrier for themselves. People losing their looks or status (retirement) are depressed—greatly enraged by the anticipation of their own fate (aging, death); through self-sorrow, self-pity, and anger, they take their fear and frustration out on their own bodies. We live as our very will directs us.

Over the time that I’ve been away, Boomertown has become heavily populated by those either approaching retirement or already deep in it. It’s such a strong demographic trend that I’ve been told there are t-shirts at the weekend market poking fun at the number of walkers about town. And by walkers, I don’t mean people on foot, but those metal frames that fill the pavements outside local cafes.

10 Steps Process Requirement So that we can get a clear picture of your current financial position and your future lifestyle desires our 10-step process requires 2 meetings. Meeting #1 include steps 1 through 5 and should take no longer than 45 minutes. If in meeting #1 we determine that what we do fit with what you are looking for, you will receive 2 very short questionnaires to complete and we will then schedule meeting #2. The first is a very short and simple financial questionnaire. The second is an online communication profile that assesses how you like to be communicated to and how you naturally approach or respond to problems, information, change and risk. Both are very important to us moving forward. They help us be more effective in how we communicate your data to you. Meeting #2 include steps 6 – 10 and should take no longer than one (1) hour. In this meeting we will identify areas in which you are losing money unknowingly and unnecessarily. We will customize appropriate wealth strategies to help you become more efficient in your finances so that you can achieve your goals and objectives.