Owner Retirement Quotes

But there’s a reason. There’s a reason. There’s a reason for this, there’s a reason education sucks, and it’s the same reason that it will never, ever, ever be fixed. It’s never gonna get any better. Don’t look for it. Be happy with what you got. Because the owners of this country don't want that. I'm talking about the real owners now, the real owners, the big wealthy business interests that control things and make all the important decisions. Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice. You don't. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own and control the corporations. They’ve long since bought and paid for the senate, the congress, the state houses, the city halls, they got the judges in their back pockets and they own all the big media companies so they control just about all of the news and information you get to hear. They got you by the balls. They spend billions of dollars every year lobbying, lobbying, to get what they want. Well, we know what they want. They want more for themselves and less for everybody else, but I'll tell you what they don’t want: They don’t want a population of citizens capable of critical thinking. They don’t want well informed, well educated people capable of critical thinking. They’re not interested in that. That doesn’t help them. Thats against their interests. Thats right. They don’t want people who are smart enough to sit around a kitchen table to figure out how badly they’re getting fucked by a system that threw them overboard 30 fucking years ago. They don’t want that. You know what they want? They want obedient workers. Obedient workers. People who are just smart enough to run the machines and do the paperwork, and just dumb enough to passively accept all these increasingly shittier jobs with the lower pay, the longer hours, the reduced benefits, the end of overtime and the vanishing pension that disappears the minute you go to collect it, and now they’re coming for your Social Security money. They want your retirement money. They want it back so they can give it to their criminal friends on Wall Street, and you know something? They’ll get it. They’ll get it all from you, sooner or later, 'cause they own this fucking place. It's a big club, and you ain’t in it. You and I are not in the big club. And by the way, it's the same big club they use to beat you over the head with all day long when they tell you what to believe. All day long beating you over the head in their media telling you what to believe, what to think and what to buy. The table is tilted folks. The game is rigged, and nobody seems to notice, nobody seems to care. Good honest hard-working people -- white collar, blue collar, it doesn’t matter what color shirt you have on -- good honest hard-working people continue -- these are people of modest means -- continue to elect these rich cocksuckers who don’t give a fuck about them. They don’t give a fuck about you. They don’t give a fuck about you. They don't care about you at all -- at all -- at all. And nobody seems to notice, nobody seems to care. That's what the owners count on; the fact that Americans will probably remain willfully ignorant of the big red, white and blue dick that's being jammed up their assholes everyday. Because the owners of this country know the truth: it's called the American Dream, because you have to be asleep to believe it.

I’m not studying the heroes who lead navies—and armies—and win wars. I’m studying ordinary people who you wouldn’t expect to be heroic, but who, when there’s a crisis, show extraordinary bravery and self-sacrifice. Like Jenna Geidel, who gave her life vaccinating people during the Pandemic. And the fishermen and retired boat owners and weekend sailors who rescued the British Army from Dunkirk. And Wells Crowther, the twenty-four-year-old equities trader who worked in the World Trade Center. When it was hit by terrorists, he could have gotten out, but instead he went back and saved ten people, and died. I’m going to observe six different sets of heroes in six different situations to try to determine what qualities they have in common.

William Shakespeare (baptised 26 April 1564 – died 23 April 1616) was an English poet and playwright, widely regarded as the greatest writer in the English language and the world's pre-eminent dramatist. He is often called England's national poet and the "Bard of Avon" (or simply "The Bard"). His surviving works consist of 38 plays, 154 sonnets, two long narrative poems, and several other poems. His plays have been translated into every major living language, and are performed more often than those of any other playwright. Shakespeare was born and raised in Stratford-upon-Avon. At the age of 18 he married Anne Hathaway, who bore him three children: Susanna, and twins Hamnet and Judith. Between 1585 and 1592 he began a successful career in London as an actor, writer, and part owner of the playing company the Lord Chamberlain's Men, later known as the King's Men. He appears to have retired to Stratford around 1613, where he died three years later. Few records of Shakespeare's private life survive, and there has been considerable speculation about such matters as his sexuality, religious beliefs, and whether the works attributed to him were written by others. Shakespeare produced most of his known work between 1590 and 1613. His early plays were mainly comedies and histories, genres he raised to the peak of sophistication and artistry by the end of the sixteenth century. Next he wrote mainly tragedies until about 1608, including Hamlet, King Lear, and Macbeth, considered some of the finest examples in the English language. In his last phase, he wrote tragicomedies, also known as romances, and collaborated with other playwrights. Many of his plays were published in editions of varying quality and accuracy during his lifetime, and in 1623 two of his former theatrical colleagues published the First Folio, a collected edition of his dramatic works that included all but two of the plays now recognised as Shakespeare's. Shakespeare was a respected poet and playwright in his own day, but his reputation did not rise to its present heights until the nineteenth century. The Romantics, in particular, acclaimed Shakespeare's genius, and the Victorians hero-worshipped Shakespeare with a reverence that George Bernard Shaw called "bardolatry". In the twentieth century, his work was repeatedly adopted and rediscovered by new movements in scholarship and performance. His plays remain highly popular today and are consistently performed and reinterpreted in diverse cultural and political contexts throughout the world. Source: Wikipedia

There's a reason that education sucks. And it's the same reason that it will never ever, ever be fixed. It's never going to get any better, don't look for it, be happy with what you got. Because the owners of this country don't want that. I'm talking about the real owners now. The real owners. The big, wealthy business interests that control things and make all the important decisions. Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice. You don't. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own and control the corporations. They've long since bought and paid for the Senate, the Congress, the state houses, and city halls. They got the judges in their back pocket. And they own all the big media companies so they control just about all of the news and information you get to hear. They got you by the balls. They spend billions of dollars every year lobbying, lobbying to get what they want. Well, we know what they want. They want more for themselves and less for everybody else. But I'll tell you what they don't want. They don't want a population of citizens capable of critical thinking. They don't want well-informed, well-educated people, capable of critical thinking. They're not interested in that. That doesn't help them. That's against their interest. That's right. They don't want people who are smart enough to figure out how badly they're getting fucked by a system that threw them overboard 30 fucking years ago. They don't want that. You know what they want? They want obedient workers. Obedient workers. People who are just smart enough to run the machines and do the paperwork and just dumb enough, to passively accept all these increasingly shittier jobs, with the lower pay, the longer hours, the reduced benefits, the end of overtime, and the vanishing pension that disappears the minute you go to collect it. And now, they're coming for your Social Security money. They want your fucking retirement money. They want it back, so they can give it to their criminal friends on Wall Street. And you know something, they'll get it. They'll get it all from you, sooner or later, because they own this fucking place. It's a big club, and you ain't in it. You and I are not in the big club.

In the centre of Bond was a hurricane-room, the kind of citadel found in old-fashioned houses in the tropics. These rooms are small, strongly built cells in the heart of the house, in the middle of the ground floor and sometimes dug down into its foundations. To this cell the owner and his family retire if the storm threatens to destroy the house, and they stay there until the danger is past. Bond went to his hurricane room only when the situation was beyond his control and no other possible action could be taken. Now he retired to this citadel, closed his mind to the hell of noise and violent movement, and focused on a single stitch in the back of the seat in front of him, waiting with slackened nerves for whatever fate had decided for B. E. A. Flight No. 130.

Next door to the Bensons is Emmet Frag, a retired pacemaker who is credited with inventing the notion of happiness. He’s currently working on a method for categorising ducks based on their singing voice. He’s also the owner of the world’s largest collection of tenor geese.

was an English poet and playwright, widely regarded as the greatest writer in the English language and the world's pre-eminent dramatist. He is often called England's national poet and the "Bard of Avon" (or simply "The Bard"). His surviving works consist of 38 plays, 154 sonnets, two long narrative poems, and several other poems. His plays have been translated into every major living language, and are performed more often than those of any other playwright. Shakespeare was born and raised in Stratford-upon-Avon. At the age of 18 he married Anne Hathaway, who bore him three children: Susanna, and twins Hamnet and Judith. Between 1585 and 1592 he began a successful career in London as an actor, writer, and part owner of the playing company the Lord Chamberlain's Men, later known as the King's Men. He appears to have retired to Stratford around 1613, where he died three years later. Few records of Shakespeare's private life survive, and there has been considerable speculation about such matters as his sexuality, religious beliefs, and whether the works attributed to him were written by others. Shakespeare produced most of his known work between 1590 and 1613. His early plays were mainly comedies and histories, genres he raised to the peak of sophistication and artistry by the end of the sixteenth century. Next he wrote mainly tragedies until about 1608, including Hamlet, King Lear, and Macbeth, considered some of the finest examples in the English language. In his last phase, he wrote tragicomedies, also known as romances, and collaborated with other playwrights. Many of his plays were published in editions of varying quality and accuracy during his lifetime, and in 1623 two of his former theatrical colleagues published the First Folio, a collected edition of his dramatic works that included all but two of the plays now recognised as Shakespeare's. Shakespeare was a respected poet and playwright in his own day, but his reputation did not rise to its present heights until the nineteenth century. The Romantics, in particular, acclaimed Shakespeare's genius, and the Victorians hero-worshipped Shakespeare with a reverence that George Bernard Shaw called "bardolatry". In the twentieth century, his work was repeatedly adopted and rediscovered by new movements in scholarship and performance. His plays remain highly popular today and are consistently performed and reinterpreted in diverse cultural and political contexts throughout the world. Source: Wikipedia

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.

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

The same thing, notes Brynjolfsson, happened 120 years ago, in the Second Industrial Revolution, when electrification—the supernova of its day—was introduced. Old factories did not just have to be electrified to achieve the productivity boosts; they had to be redesigned, along with all business processes. It took thirty years for one generation of managers and workers to retire and for a new generation to emerge to get the full productivity benefits of that new power source. A December 2015 study by the McKinsey Global Institute on American industry found a “considerable gap between the most digitized sectors and the rest of the economy over time and [found] that despite a massive rush of adoption, most sectors have barely closed that gap over the past decade … Because the less digitized sectors are some of the largest in terms of GDP contribution and employment, we [found] that the US economy as a whole is only reaching 18 percent of its digital potential … The United States will need to adapt its institutions and training pathways to help workers acquire relevant skills and navigate this period of transition and churn.” The supernova is a new power source, and it will take some time for society to reconfigure itself to absorb its full potential. As that happens, I believe that Brynjolfsson will be proved right and we will start to see the benefits—a broad range of new discoveries around health, learning, urban planning, transportation, innovation, and commerce—that will drive growth. That debate is for economists, though, and beyond the scope of this book, but I will be eager to see how it plays out. What is absolutely clear right now is that while the supernova may not have made our economies measurably more productive yet, it is clearly making all forms of technology, and therefore individuals, companies, ideas, machines, and groups, more powerful—more able to shape the world around them in unprecedented ways with less effort than ever before. If you want to be a maker, a starter-upper, an inventor, or an innovator, this is your time. By leveraging the supernova you can do so much more now with so little. As Tom Goodwin, senior vice president of strategy and innovation at Havas Media, observed in a March 3, 2015, essay on TechCrunch.com: “Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. And Airbnb, the world’s largest accommodation provider, owns no real estate. Something interesting is happening.

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.

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

Because of that, just days after taking office as prime minister, Churchill was preparing for the ultimate emergency – the potential loss of most of the British army. The War Minister Anthony Eden had already announced the formation of the Home Guard, and asked able-bodied men to come forward. A huge number did so. Later that same evening (14 May), the BBC had broadcast this announcement: “The Admiralty have made an order directing the owners of self-propelled pleasure craft between thirty and one hundred feet in length to send all particulars to the Admiralty within fourteen days from today, if they have not already been offered or requisitioned. By this day, five days later, retired Rear Admiral Alfred Taylor had been given powers to collect and pay crews of small craft which might be used by navy, and was gathering them at Sheerness in the Thames estuary. The man in charge of finding the ships, H. C. Riggs, was now sleeping at the offices of the Ministry of Shipping in Berkeley Square, one of the administrative heroes of Dunkirk, and was collecting information on small ships that might be available and holding them in port. The clerks at the Admiralty were printing copies of form T124, which signed people up for 90 days short service in the navy.

Business Owner Planning Business owners have additional and complex Retirement Planning needs. Counting only on the sale of your business requires tremendous luck and success. If business owners consider the business as simply one asset among many, then they should seriously consider additional assets such as: -Executive Bonus Arrangements -Nonqualified deferred compensation plans -Qualified retirement plans -General investment portfolio Motto for Business Owner Planning As I look back on thirteen years of entrepreneurship, I can see that the best and smartest thing to do is to have a plan with the end in mind and you in mind. The time still goes by and time is expensive. That sentence is really a whole book and you should or will understand sooner than later, hopefully. That would have looked like business succession planning. Proper business succession planning requires sound preparation in order to have a smooth and equitable transition. Financial, tax and legal planning are all necessary for a success.

All that now separated retirement from rest was a single box. The previous owner had been eager to protect its contents, using a lock carved from garlic. He picked it with a sprig of parsley and groped inside, pulling out an exact likeness of himself, a puppet double. Even his cork leg sealed the same dry white panic, judging from the way it jerked.

If you do what the masses do, you get the following picture: As an employee who is also a homeowner, your working efforts are generally as follows: 1. You work for the company. Employees make their business owner or the shareholders rich, not themselves. Your efforts and success will help provide for the owner’s success and retirement. 2. You work for the government. The government takes its share from your paycheck before you even see it. By working harder, you simply increase the amount of taxes taken by the government. Most people work from January to May just for the government. 3. You work for the bank. After taxes, your next largest expense is usually your mortgage and credit-card debt.

Wealth grew more concentrated during his reign. Before Welch, corporate profits were largely reinvested in the company or paid out to workers rather than sent back to stock owners. In 1980, American companies spent less than $50 billion on buybacks and dividends. By the time of Welch’s retirement, a much greater share of corporate profits was going to investors and management, with American companies spending $350 billion on buybacks and dividends in 2000.

an S business owner serves people personally and a B business owner uses a system to serve as many people as possible.

Many houses increasingly serve not only as living quarters but also as storage areas for toy collections, personal libraries, galleries of art and other assorted knick-knacks, small supermarkets (massive refrigerators), home cinemas, and restaurant-sized kitchens which seem proportional in size to the time the owners spend away from them,

and wondering, How am I going to pay my bills? Have I saved enough for retirement? How am I going to provide for my family? or any other concern that you may have. Friend, be assured that the Lord—the Owner of heaven and earth—supplies all your needs. None is too massive, problematic, or severe for Jesus to meet it (Philippians 4:19). So why do you still lack peace? The problem may be that you accept the idea of the Lord’s provision in your head, but you don’t believe

a 55-year old white male, born and raised in Baltimore City. I'm a retired Maryland State Trooper.  After retirement, I became the owner of a small barbershop. In 1970, I began 7th grade at Herring Run Jr. High School in Baltimore. It was an integrated public school, with students bused in from other districts.  It was my first experience with blacks. There was daily harassment by black groups on soft whites. Thefts, assaults, intimidation. If I ever wrote a book, it would be titled "Gimme a nickel."  In a threatening/intimidating manner, this would be stated with a palm out - "Gimme a nickel."  The victim would reach in his pocket, pull out his lunch money, and the perps would usually then grab the entire handful of change from his or her hand. Teachers and administration turned a blind eye to all of it.  White students quickly learned they were on their own. I went to school there for three years and hated it.  I was a jock/tough guy - they only targeted the weak, scared and vulnerable whites.

You wouldn’t get in a car and drive around aimlessly, hoping to eventually arrive at a pleasant destination. So why would you even consider doing this for your business?

It is a slow day in the small town of Pumphandle, and the streets are deserted. Times are tough, everybody is in debt, and everybody is living on credit. A tourist visiting the area drives through town, stops at the motel, and lays a $100 bill on the desk, saying he wants to inspect the rooms upstairs to pick one for the night. As soon as he walks upstairs, the motel owner grabs the bill and runs next door to pay his debt to the butcher. The butcher takes the $100 and runs down the street to retire his debt to the pig farmer. The pig farmer takes the $100 and heads off to pay his bill to his supplier, the Co-op. The guy at the Co-op takes the $100 and runs to pay his debt to the local prostitute, who has also been facing hard times and has had to offer her "services" on credit. The hooker rushes to the hotel and pays off her room bill with the hotel owner. The hotel owner then places the $100 back on the counter so the traveler will not suspect anything. At that moment the traveler comes down the stairs, states that the rooms are not satisfactory, picks up the $100, and leaves. No one produced anything. No one earned anything. However, the whole town is now out of debt and looks to the future with a lot more optimism. And that, ladies and gentlemen, is how a stimulus package works. – Anonymous

It is a slow day in the small Saskatchewan town of Pumphandle, and streets are deserted. Times are tough, everybody is in debt, and everybody is living on credit. A tourist visiting the area drives through town, stops at the motel, and lays a $100 bill on the desk saying he wants to inspect the rooms upstairs to pick one for the night. As soon as he walks upstairs, the motel owner grabs the bill and runs next door to pay his debt to the butcher. The butcher takes the $100 and runs down the street to retire his debt to the pig farmer. The pig farmer takes the $100 and heads off to pay his bill to his supplier, the Co-op. The guy at the Co-op takes the $100 and runs to pay his debt to the local prostitute, who has also been facing hard times and has had to offer her “services” on credit. The hooker rushes to the hotel and pays off her room bill with the hotel owner. The hotel proprietor then places the $100 back on the counter so the traveler will not suspect anything. At that moment, the traveler comes down the stairs, states that the rooms are not satisfactory, picks up the $100 bill, and leaves. No one produced anything. No one earned anything. However, the whole town is now out of debt and looking to the future with a lot more optimism.

It was my editor at the time who has since retired, telling me that Walter and she would be coming to Charleston the following week to discuss my submission. Walter was Walter Zacharius, the founder and owner of Kensington Publishing. Walter was my boss, and my friend. I want to say right here and now that I absolutely adored that man. He saw me through some bad times, the death of my husband, and then the death of my youngest daughter a few years later. Just talking to him made things right somehow.

If any proof is needed of the importance of having a good understanding of business, all you have to do is look at what often happens when the owner of a business decides to retire and turn it over to one of his or her children. More often than not, when this happens, the son or daughter who takes over has spent a few years working in the business and a few more helping the owner run it. But a lot of family businesses don’t do as well when they are passed on, and one of the primary reasons for this is that, even though the new owner has some experience in the business, he or she often doesn’t understand the various facets of business and how they are all interrelated. And the result, unfortunately, is that a perfectly viable company, one that its original owner spent years building up, now has a questionable future.

During the day I negotiated buying mom and pop companies and incorporating them into our larger network. Sometimes we let the original owners stay on as consultants. Rarely, actually, if I’m being honest and, even when we did, it never usually lasted for very long. Mostly, those once proud owners would see the box store makeover of their businesses and decide that retirement in some warm locale really did seem the better option. Did I ever feel guilty looking at these hardworking people and taking everything they’d assembled? Not even a little. Would you feel guilty handing someone hundreds of thousands or, in some cases, millions of dollars to go do whatever tickles their fancy?

the Chinese food that’s been served here, in this Chinatown, for as long as he can remember. But this Chinatown is changing. Jew has heard that the owners of Hon’s want to retire, too. “Which is understandable,” he says. “They’re pretty old. But it makes me sad. Who’s gonna take the torch of these places that have been here for so long?

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

You work for the company. Employees make their business owner or the shareholders rich, not themselves. Your efforts and success will help provide for the owner’s success and retirement. 2.​You work for the government. The government takes its share from your paycheck before you even see it. By working harder, you simply increase the amount of taxes taken by the government. Most people work from January to May just for the government. 3.​You work for the bank. After taxes, your next largest expense is usually your mortgage and credit-card debt. The problem with simply working harder is that each of these three levels takes a greater share of your increased efforts. You need to learn how to have your increased efforts benefit you and your family directly.

What does it actually mean to be free? Are you truly free if you are unable to go to a doctor when you are sick, or face financial bankruptcy when you leave the hospital? Are you truly free if you cannot afford the prescription drugs you need to stay alive? Are you truly free when you spend half of your limited income on housing, and are forced to borrow money from a payday lender at 200 percent interest rates? Are you truly free if you are seventy years old and have to continue working because you lack a pension or enough money to retire? Are you truly free if you are unable to attend college or a trade school because your family lacks the income? Are you truly free if you are forced to work sixty or eighty hours a week because you can’t find a job that pays a living wage? Are you truly free if you are a mother or father with a newborn baby but you are forced to go back to work immediately after the birth because you lack paid family leave? Are you truly free if you are a small business owner or family farmer who is driven out of the marketplace by the monopolistic practices of big business? Are you truly free if you are a veteran who put your life on the line to defend this country, and now sleep out on the streets?

A business owner can pay for those things with before-tax dollars while an employee pays for them with after-tax dollars.

The business owner or entrepreneur gets the big bucks at the end of the day because he or she must be the most generous at the start of the day.

D: To work for yourself. NR: To have others work for you. D: To work when you want to. NR: To prevent work for work’s sake, and to do the minimum necessary for maximum effect (“minimum effective load”). D: To retire early or young. NR: To distribute recovery periods and adventures (mini-retirements) throughout life on a regular basis and recognize that inactivity is not the goal. Doing that which excites you is. D: To buy all the things you want to have. NR: To do all the things you want to do, and be all the things you want to be. If this includes some tools and gadgets, so be it, but they are either means to an end or bonuses, not the focus. D: To be the boss instead of the employee; to be in charge. NR: To be neither the boss nor the employee, but the owner. To own the trains and have someone else ensure they run on time. D: To make a ton of money. NR: To make a ton of money with specific reasons and defined dreams to chase, timelines and steps included. What are you working for? D: To have more. NR: To have more quality and less clutter. To have huge financial reserves but recognize that most material wants are justifications for spending time on the things that don’t really matter, including buying things and preparing to buy things. You spent two weeks negotiating your new Infiniti with the dealership and got $10,000 off? That’s great. Does your life have a purpose? Are you contributing anything useful to this world, or just shuffling papers, banging on a keyboard, and coming home to a drunken existence on the weekends? D: To reach the big pay-off, whether IPO, acquisition, retirement, or other pot of gold. NR: To think big but ensure payday comes every day: cash flow first, big payday second. D: To have freedom from doing that which you dislike. NR: To have freedom from doing that which you dislike, but also the freedom and resolve to pursue your dreams without reverting to work for work’s sake (W4W). After years of repetitive work, you will often need to dig hard to find your passions, redefine your dreams, and revive hobbies that you let atrophy to near extinction. The goal is not to simply eliminate the bad, which does nothing more than leave you with a vacuum, but to pursue and experience the best in the world.

Holy Name had been such a big part of my life that sometimes I took the church and school for granted. Not only were my children going to school here, where we attended services every Sunday, but the church was also essentially harboring my grandfather and giving him a strong purpose late in life. The idea of Seamus living with us as a retired bar owner with no purpose in life was the stuff of nightmares.

This used to be a great country. Not now. Not anymore. I was laid off from the drugstore. Worked there almost thirty years. Worked my way up from the bottom, from Stock Boy to Manager, with little in the way of education -- I didn't graduate high school, was a semester shy when my dad got sick. I ran that damned place for the owner, Bud Wilkins. Then, when Bud retired, and had no one to carry on the business, this big chain bought him out and they discarded me like a badly worn sneaker. --From "After the Layoff", included in forthcoming collection, BROTHERS, FATHERS, AND OTHER STRANGERS

This used to be a great country. Not now. Not anymore. I was laid off from the drugstore. Worked there almost thirty years. Worked my way up from the bottom, from Stock Boy to Manager, with little in the way of education -- I didn't graduate high school, was a semester shy when my dad got sick. I ran that damned place for the owner, Bud Wilkins. Then, when Bud retired, and had no one to carry on the business, this big chain bought him out and they discarded me like a badly worn sneaker. --From "After the Layoff," one of the stories in forthcoming collection BROTHERS, FATHERS, AND OTHER STRANGERS.

This used to be a great country. Not now. Not anymore. I was laid off from the drugstore. Worked there almost thirty years. Worked my way up from the bottom, from Stock Boy to Manager, with little in the way of education -- I didn't graduate high school, was a semester shy when my dad got sick. I ran that damned place for the owner, Bud Wilkins. Then, when Bud retired, and had no one to carry on the business, this big chain bought him out and they discarded me like a badly worn sneaker." --From the story "After the Layoff," included in forthcoming story collection BROTHERS, FATHERS, AND OTHER STRANGERS

Why is owning equity in a business important to becoming rich? It’s ownership versus wage work. If you are paid for renting out your time, even lawyers and doctors, you can make some money, but you’re not going to make the money that gives you financial freedom. You’re not going to have passive income where a business is earning for you while you are on vacation. [10] This is probably one of the most important points. People seem to think you can create wealth—make money through work. It’s probably not going to work. There are many reasons for that. Without ownership, your inputs are very closely tied to your outputs. In almost any salaried job, even one paying a lot per hour like a lawyer or a doctor, you’re still putting in the hours, and every hour you get paid. Without ownership, when you’re sleeping, you’re not earning. When you’re retired, you’re not earning. When you’re on vacation, you’re not earning. And you can’t earn nonlinearly. If you look at even doctors who get rich (like really rich), it’s because they open a business. They open a private practice. The private practice builds a brand, and the brand attracts people. Or they build some kind of a medical device, a procedure, or a process with an intellectual property. Essentially, you’re working for somebody else, and that person is taking on the risk and has the accountability, the intellectual property, and the brand. They’re not going to pay you enough. They’re going to pay you the bare minimum they have to, to get you to do their job. That can be a high bare minimum, but it’s still not going to be true wealth where you’re retired but still earning. [78] Owning equity in a company basically means you own the upside. When you own debt, you own guaranteed revenue streams and you own the downside. You want to own equity. If you don’t own equity in a business, your odds of making money are very slim. You have to work up to the point where you can own equity in a business. You could own equity as a small shareholder where you bought stock. You could also own it as an owner where you started the company. Ownership is really important. [10]

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

The German deli was run by a distant cousin of Kaiser Wilhelm and the Great Neck Jews loved the place; they flocked to Kuch's. They said to one another, What a character he is, Otto, strictly old country, I'm telling you. Gus didn't think that Negroes would rush to shop in a store run by some retired slave owner, eager to share memories of fun times on the plantation, praising Massa's old-fashioned Mississippi charm. Jews were still chasing that absurd, wishful feather. Eventually, Jews would become like everybody else. They'd elevate small grievances; they'd cherish hurt feelings and ill treatment like they were signs of virtue.

When we spoke on the phone for my interview, she said the owner is retired, hates social media, and enjoys working his ranch, alone. I'm fairly certain I'm never going to see the guy. Pretty much guaranteed he isn't going to be over the moon at the prospect of dealing with a twenty-something-year-old hired to run the ranch PR, either. He's probably going to be allergic to cell phones and shooting me glares from his rocking chair on the porch at every opportunity.

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.