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He wondered about the people in houses like those. They would be, for example, small clerks, shop-assistants, commercial travellers, insurance touts, tram conductors. Did they know that they were only puppets dancing when money pulled the strings? You bet they didn’t. And if they did, what would they care? They were too busy being born, being married, begetting, working, dying. It mightn’t be a bad thing, if you could manage it, to feel yourself one of them, one of the ruck of men. Our civilization is founded on greed and fear, but in the lives of common men the greed and fear are mysteriously transmuted into something nobler. The lower-middle-class people in there, behind their lace curtains, with their children and their scraps of furniture and their aspidistras — they lived by the money-code, sure enough, and yet they contrived to keep their decency. The money-code as they interpreted it was not merely cynical and hoggish. They had their standards, their inviolable points of honour. They ‘kept themselves respectable’— kept the aspidistra flying. Besides, they were alive. They were bound up in the bundle of life. They begot children, which is what the saints and the soul-savers never by any chance do. The aspidistra is the tree of life, he thought suddenly.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

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There is no simple way to determine when and where to get help. Many factors come into play, including the child’s age, family’s financial status, insurance, knowledge of resources, religious affiliation, availability of services in community, and so on. Parents may seek outside assistance for their adopted child when other factors such as a divorce, job loss, or other stresses compound the family needs. Parents are generally in the best position to determine when to get help, but advice from relatives, family physicians, teachers, and others in a position to know the family should be carefully considered. Services for children with special needs are provided by a variety of professionals. A physician—pediatrician or the family practitioner—is usually the place to begin. Families may be referred to a neurologist for a thorough assessment and diagnosis of neurological functioning (related to cognitive or learning disabilities, seizure disorders or other central nervous system problems). For specific communication difficulties, families may consult with a speech and language therapist, while a physical therapist would develop a treatment plan to enhance motor development. A rehabilitation technologist or an occupational therapist prescribes adaptive aids or activities of daily living. Early childhood educators specializing in working with children with special needs may be called a variety of titles, including Head Start teachers, early childhood special education teacher, or early childhood specialist.

Helping the poor isn’t always pleasant It’s no picnic helping the poor. There’s often no feeling of fulfillment. It’s work – like a lot of virtue is work. The poor, as fate would have it, are just like us. They’re mixtures of virtues and vices. Like us, they aren’t always grateful. Like us, they don’t always trust. Like us, they don’t always respond. Like us, they’re both generous and greedy. Like us, they’re sometimes wonderful and sometimes awful. Whatever happened to the noble poor? Some are out there, but mostly they are in Charles Dickens’ novels. The “poor” poor aren’t always so noble, and they are the hardest to deal with – which is probably why we don’t. Mental note: When you help the poor, you always receive more than you give – but it may not seem that way at the time. Another thing I learned is that food baskets at Thanksgiving, toys at Christmas are good as far as they go – but they don’t go very far. People easily talk about direct help to the poor on special occasions – clothes, food, money. Those fine things shouldn’t be taken lightly. But that’s the easy part. The hard part is trying to do something about the poor’s state in life. The discussion always slowed when we tried to focus on this. Where do you begin? What do you do? It’s hard when you deal with the causes. How can we give them basic skills to manage their lives? Can we make loans available to them through our own credit unions at considerable risk? Shouldn’t the state make better provision for dependent children? What about health insurance? How do we help them find work? How do we help them find work that pays a living wage? Why are single parents, usually women, abandoned so easily by a spouse? Mental note: Direct assistance is good. Tackling the causes is better.

Eventually, when I decided to leave coaching and compete again, we got married and moved to the small town of Hills, Iowa, which is south of Iowa City. Before we knew it, Lyn was pregnant with Jake, and our family was growing. I was growing too, now responsible for three lives beside my own. I was waiting on tables a couple of days a week and earning a small stipend from the Hawkeye wrestling club. We had a small house out in the country, and we were happy, but finances were tight. Like most couples starting out, we had to work together and stay together. As a waiter, I wasn’t bringing in a lot of money, and the Hawkeye club couldn’t pay much other than assist with training expenses. We started our family, had no health insurance, and struggled to make ends meet. Things weren’t working so well. I remember my conversation with Coach Gable. His honesty gave me some great clarity. Wanting big things for our lives simply isn’t enough. We need a deep obsession to act on what we desire. It’s chosen suffering and self-learning through the deepest desire to prevail. Toward the end of my first-year wrestling for the Hawkeye wrestling club, a job at Hofstra opened up. The Athletic Director called me for a meeting about their program. A few Hofstra alumni called as well. A good friend, Guy Truicko, wanted to help me get the position.

People trying to describe students of color often use words like “urban,” “inner city,” “disadvantaged,” or “at-risk” that gloss over the actual local needs of specific children and subgroups, such as racial groups (in some cases) or English language learners. Generic phrases like “low-income minority” can also mask differences in financial circumstance, like whether students are living in stable housing or rotating foster care or whether they have health insurance. These differences affect what assistance students need from educators and other opportunity providers to have an equal opportunity to succeed in school.

Pope was only 26 years years old and now he’s dead and there’s nothing any of us can do about it. All he did was break his fucking foot, he wasn’t supposed to die when we left him in Dallas. He was supposed to have surgery, get his cast, and be back out on the road with us by summer. It was the insurance-provided assisted living doctors that killed him. They told him he was schizophrenic. Started feeding him psychiatric drugs. They over-medicated him. Too many pills. His bbody couldn’t take it. He wasn’t crazy. He just wasn’t meant for Texas. They won’t release any of his records to us, only to family. Pope didn’t have much family left, just his older brother and grandmother. He told us all his parents were dead. It wasn’t until after Pope died we found out his father was still alive. None of them are going to chase this. I feel responsible. We left him. It wasn’t supposed to be a big deal. It was just a broken foot, a busted ankle. Heather had been talking to him while he was in the hospital. He told him to come stay with us. He was incoherent whenever I’d hear from him. It was like you could tell the drugs were kicking in. I was too self-obsessed to care, too focused on my failing career. Too busy being full of shit and uninspired. To fucking original. So fucking wasted. It’s a rare thing to meet someone out on the road that you connect with. It’s such a rare and beautiful thing to find a true friend out there on the road. I failed him. Pope, I’m sorry, so very sorry.

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