Pension Life Quotes

In my next life I want to live my life backwards. You start out dead and get that out of the way. Then you wake up in an old people's home feeling better every day. You get kicked out for being too healthy, go collect your pension, and then when you start work, you get a gold watch and a party on your first day. You work for 40 years until you're young enough to enjoy your retirement. You party, drink alcohol, and are generally promiscuous, then you are ready for high school. You then go to primary school, you become a kid, you play. You have no responsibilities, you become a baby until you are born. And then you spend your last 9 months floating in luxurious spa-like conditions with central heating and room service on tap, larger quarters every day and then Voila! You finish off as an orgasm!

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?

People are delighted to accept pensions and gratuities, for which they hire out their labour or their support or their services. But nobody works out the value of time: men use it lavishly as if it cost nothing. But if death threatens these same people, you will see them praying to their doctors; if they are in fear of capital punishment, you will see them prepared to spend their all to stay alive.

Maria, lonely prostitute on a street of pain, You, at least, hail me and speak to me While a thousand others ignore my face. You offer me an hour of love, And your fees are not as costly as most. You are the madonna of the lonely, The first-born daughter in a world of pain. You do not turn fat men aside, Or trample on the stuttering, shy ones, You are the meadow where desperate men Can find a moment's comfort. Men have paid more to their wives To know a bit of peace And could not walk away without the guilt That masquerades as love. You do not bind them, lovely Maria, you comfort them And bid them return. Your body is more Christian than the Bishop's Whose gloved hand cannot feel the dropping of my blood. Your passion is as genuine as most, Your caring as real! But you, Maria, sacred whore on the endless pavement of pain, You, whose virginity each man may make his own Without paying ought but your fee, You who know nothing of virgin births and immaculate conceptions, You who touch man's flesh and caress a stranger, Who warm his bed to bring his aching skin alive, You make more sense than stock markets and football games Where sad men beg for virility. You offer yourself for a fee--and who offers himself for less? At times you are cruel and demanding--harsh and insensitive, At times you are shrewd and deceptive--grasping and hollow. The wonder is that at times you are gentle and concerned, Warm and loving. You deserve more respect than nuns who hide their sex for eternal love; Your fees are not so high, nor your prejudice so virtuous. You deserve more laurels than the self-pitying mother of many children, And your fee is not as costly as most. Man comes to you when his bed is filled with brass and emptiness, When liquor has dulled his sense enough To know his need of you. He will come in fantasy and despair, Maria, And leave without apologies. He will come in loneliness--and perhaps Leave in loneliness as well. But you give him more than soldiers who win medals and pensions, More than priests who offer absolution And sweet-smelling ritual, More than friends who anticipate his death Or challenge his life, And your fee is not as costly as most. You admit that your love is for a fee, Few women can be as honest. There are monuments to statesmen who gave nothing to anyone Except their hungry ego, Monuments to mothers who turned their children Into starving, anxious bodies, Monuments to Lady Liberty who makes poor men prisoners. I would erect a monument for you-- who give more than most-- And for a meager fee. Among the lonely, you are perhaps the loneliest of all, You come so close to love But it eludes you While proper women march to church and fantasize In the silence of their rooms, While lonely women take their husbands' arms To hold them on life's surface, While chattering women fill their closets with clothes and Their lips with lies, You offer love for a fee--which is not as costly as most-- And remain a lonely prostitute on a street of pain. You are not immoral, little Maria, only tired and afraid, But you are not as hollow as the police who pursue you, The politicians who jail you, the pharisees who scorn you. You give what you promise--take your paltry fee--and Wander on the endless, aching pavements of pain. You know more of universal love than the nations who thrive on war, More than the churches whose dogmas are private vendettas made sacred, More than the tall buildings and sprawling factories Where men wear chains. You are a lonely prostitute who speaks to me as I pass, And I smile at you because I am a lonely man.

The first man to sight land was supposed to get a yearly pension of 10,000 maravedis for life, but Rodrigo never got it. Columbus claimed he had seen a light the evening before. He got the reward.

The human race is positively addicted to keeping records and remembering scores. What we call our "life" is, for the most part, simply the juggling of accounts in our heads. And yet, if God has announced anything in Jesus, it is that he, for one, has pensioned off the bookkeeping department permanently.

I want to live for as long as possible - but I want to live an exciting life for as long as I can too.

..each ministry has an allocation of money to spend on projects agreed to by the government. Every Secretary of State is acutely aware that his tenure of office maybe very short, so he picks out a major contract for himself from the many available. It's the one way to ensure a pension for life if the government is changed overnight or the minister simply loses his job.

One of the lesser-known contributions of the great Harriet Tubman was the devotion of her life after the war to a similar project. The woman who personally led three hundred slaves to freedom, who was a spy and “general” for the Union, spent her final years trying to establish the John Brown Home for the Aged. When the government refused to give her a full veteran’s pension, the former general sold fruit and had a biography published to raise money for the institution.

You no doubt want to hear what I think of being in hiding. Well, all I can say is that I don’t really know yet. I don’t think I’ll ever feel at home in this house, but that doesn’t mean I hate it. It’s more like being on vacation in some strange pension. Kind of an odd way to look at life in hiding, but that’s how things are. The Annex is an ideal place to hide in.

We were taking out mortgages we couldn’t afford because they were camouflaged to look as if we had a reasonable chance of paying them back. Banks then changed the bankruptcy laws so that we could not get out of our obligations once the rates changed. Lastly, they sold us back our own mortgages, shifting back to us any of the risk through our money-market accounts and pension funds.

Incidentally, I notice that our professors, trying to show off to their students, rant and rail against the state and against law and order, while expecting that same state to punctually pay their salaries, pensions, and family allowances, so that they value at least this kind of law and order. Make a fist with the left hand and open the right hand receptively—that is how one gets through life.

Best followed now is this life, by hurrying, like itself, to a close. Few things remain. He was repulsed in efforts after a pension by certain caprices of law. His scars proved his only medals. He dictated a little book, the record of his fortunes. But long ago it faded out of print--himself out of being--his name out of memory. He died the same day that the oldest oak on his native hills was blown down.

A mother comforts, a mother cleans. A mother gives when any reasonable person would deny. Life might affix any number of labels to Vera- Russian, pensioner, widow, daughter- but when she looked to her washed-out reflection in the bathroom mirror, she saw only Lydia's mother.

Nothing else mattered. Of course there was “the rest of my life,” both present (my degree course) and future (job, salary, social position, retirement, pension, death). You could say that I put this part of my life on hold. Except that’s not right: she was my life, and the rest wasn’t. Everything else could and must be sacrificed, with or without thought, as and when necessary. Though “sacrifice” implies loss. I never felt a sense of loss.

Slavery is not a horror safely confined to the past; it continues to exist throughout the world, even in developed countries like France and the United States. Across the world slaves work and sweat and build and suffer. Slaves in Pakistan may have made the shoes you are wearing and the carpet you stand on. Slaves in the Caribbean may have put sugar in your kitchen and toys in the hands of your children. In India they may have sewn the shirt on your back and polished the ring on your finger. They are paid nothing. Slaves touch your life indirectly as well. They made the bricks for the factory that made the TV you watch. In Brazil slaves made the charcoal that tempered the steel that made the springs in your car and the blade on your lawnmower. Slaves grew the rice that fed the woman that wove the lovely cloth you've put up as curtains. Your investment portfolio and your mutual fund pension own stock in companies using slave labor in the developing world. Slaves keep your costs low and returns on your investments high.

Even as a game of chance, however, Brexit is especially odd. It is a surreal casino in which the high-rollers are playing for pennies at the blackjack tables while the plebs are stuffing their life savings into the slot machines. For those who can afford risk, there is very little on the table; for those who cannot, entire livelihoods are at stake. The backbench anti-Brexit Tory MP Anna Soubry rose to her feet in the Commons in July 2018, eyed her Brexiteer colleagues and let fly: ‘Nobody voted to be poorer, and nobody voted Leave on the basis that somebody with a gold-plated pension and inherited wealth would take their jobs away from them.’ But if that’s not what people voted for, it is emphatically what they got: if the British army on the Western Front were lions led by donkeys, Brexit is those who feel they have nothing to lose led by those who will lose nothing either way.

If you want to work your stinking job and pay into a pension plan for the rest of your days then fine; if you want to visit the supermarket once a week and feel great about yourself for finding the best offers on low fat microwave meals then fine; if you want to click around them computers all night, chatting to your Aunt Sally in Honolulu then fine; if you want to drink in moderation so you don’t end up shitting the bed then fine; if you want to continue the cycle of obedient drones then fine; if you want to resent how average your life has turned out in return for a salary that buys you nothing more than permanent misery then fine. All fine and dandy. Go right ahead. Just leave me the fuck out of it.

What is so often said about the solders of the 20th century is that they fought to make us free. Which is a wonderful sentiment and one witch should evoke tremendous gratitude if in fact there was a shred of truth in that statement but, it's not true. It's not even close to true in fact it's the opposite of truth. There's this myth around that people believe that the way to honor deaths of so many of millions of people; that the way to honor is to say that we achieved some tangible, positive, good, out of their death's. That's how we are supposed to honor their deaths. We can try and rescue some positive and forward momentum of human progress, of human virtue from these hundreds of millions of death's but we don't do it by pretending that they'd died to set us free because we are less free; far less free now then we were before these slaughters began. These people did not die to set us free. They did not die fighting any enemy other than the ones that the previous deaths created. The beginning of wisdom is to call things by their proper names. Solders are paid killers, and I say this with a great degree of sympathy to young men and women who are suckered into a life of evil through propaganda and the labeling of heroic to a man in costume who kills for money and the life of honor is accepting ordered killings for money, prestige, and pensions. We create the possibility of moral choice by communicating truth about ethics to people. That to me is where real heroism and real respect for the dead lies. Real respect for the dead lies in exhuming the corpses and hearing what they would say if they could speak out; and they would say: If any ask us why we died tell it's because our fathers lied, tell them it's because we were told that charging up a hill and slaughtering our fellow man was heroic, noble, and honorable. But these hundreds of millions of ghosts encircled the world in agony, remorse will not be released from our collective unconscious until we lay the truth of their murders on the table and look at the horror that is the lie; that murder for money can be moral, that murder for prestige can be moral. These poor young men and woman propagandized into an undead ethical status lied to about what is noble, virtuous, courageous, honorable, decent, and good to the point that they're rolling hand grenades into children's rooms and the illusion that, that is going to make the world a better place. We have to stare this in the face if we want to remember why these people died. They did not die to set us free. They did not die to make the world a better place. They died because we are ruled by sociopaths. The only thing that can create a better world is the truth is the virtue is the honor and courage of standing up to the genocidal lies of mankind and calling them lies and ultimate corruptions. The trauma and horrors of this century of staggering bloodshed of the brief respite of the 19th century. This addiction to blood and the idea that if we pour more bodies into the hole of the mass graves of the 20th century, if we pour more bodies and more blood we can build some sort of cathedral to a better place but it doesn't happen. We can throw as many young men and woman as we want into this pit of slaughter and it will never be full. It will never do anything other than sink and recede further into the depths of hell. We can’t build a better world on bodies. We can’t build peace on blood. If we don't look back and see the army of the dead of the 20th century calling out for us to see that they died to enslave us. That whenever there was a war the government grew and grew. We are so addicted to this lie. What we need to do is remember that these bodies bury us. This ocean of blood that we create through the fantasy that violence brings virtue. It drowns us, drowns our children, our future, and the world. When we pour these endless young bodies into this pit of death; we follow it.

One fucking smoke and it cost me my job, my pension, my marriage, my whole fucking life.

Your Purpose in life goes beyond 9-5pm and obviously beyond your pension age. Identify, pursue and nurture until it becomes a lifestyle.

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.

I'm twelve years old and I'm an invalid. The mailman brings two pension checks to our house - for me and my grandad. When the girls in my class found out that I had cancer of the blood, they were afraid to sit next to me. They didn't want to touch me. The doctors said that I got sick because my father worked at Chernobyl. And after that I was born. I love my father.

USRC: $15,000 ($208,000) as a cash lump sum for each woman, a pension of $600 ($8,316) a year for life, past and future medical expenses, and USRC to cover all court costs. The firm would have the weekend to think it over.

Whereas in the old days one acquired eternal happiness by the grace of God, now too often the eternal happiness seems to have become like an aged and infirm pensioner who sustains his life in the house of the rich on the wretched crust of poverty.

Someone muttered something in Arabic. Paul asked a young man who spoke some English to translate. “He says things must be serious in Syria: first they send young journalists, but now they send us a woman, a pensioner, and an idiot who wants to go back.

Like many other POWs, Denis is bitter because, despite the magnificent effort given to obtain victory and freedom for millions, these heroes were merely given a cheap demob suit, a woefully inadequate war pension, and were pitched into civilian life without counselling.

It is easy to conceive that a band of interested men, such as placemen, pensioners, lords of the bedchamber, lords of the kitchen, lords of the necessary-house, and the lord knows what besides, can find as many reasons for monarchy as their salaries, paid at the expense of the country, amount to; but if I ask the farmer, the manufacturer, the merchant, the tradesman, and down through all the occupations of life to the common labourer, what service monarchy is to him? he can give me no answer. If I ask him what monarchy is, he believes it is something like a sinecure.

Bagpipe Music' It's no go the merrygoround, it's no go the rickshaw, All we want is a limousine and a ticket for the peepshow. Their knickers are made of crêpe-de-chine, their shoes are made of python, Their halls are lined with tiger rugs and their walls with heads of bison. John MacDonald found a corpse, put it under the sofa, Waited till it came to life and hit it with a poker, Sold its eyes for souvenirs, sold its blood for whiskey, Kept its bones for dumb-bells to use when he was fifty. It's no go the Yogi-Man, it's no go Blavatsky, All we want is a bank balance and a bit of skirt in a taxi. Annie MacDougall went to milk, caught her foot in the heather, Woke to hear a dance record playing of Old Vienna. It's no go your maidenheads, it's no go your culture, All we want is a Dunlop tyre and the devil mend the puncture. The Laird o' Phelps spent Hogmanay declaring he was sober, Counted his feet to prove the fact and found he had one foot over. Mrs Carmichael had her fifth, looked at the job with repulsion, Said to the midwife 'Take it away; I'm through with overproduction'. It's no go the gossip column, it's no go the Ceilidh, All we want is a mother's help and a sugar-stick for the baby. Willie Murray cut his thumb, couldn't count the damage, Took the hide of an Ayrshire cow and used it for a bandage. His brother caught three hundred cran when the seas were lavish, Threw the bleeders back in the sea and went upon the parish. It's no go the Herring Board, it's no go the Bible, All we want is a packet of fags when our hands are idle. It's no go the picture palace, it's no go the stadium, It's no go the country cot with a pot of pink geraniums, It's no go the Government grants, it's no go the elections, Sit on your arse for fifty years and hang your hat on a pension. It's no go my honey love, it's no go my poppet; Work your hands from day to day, the winds will blow the profit. The glass is falling hour by hour, the glass will fall for ever, But if you break the bloody glass you won't hold up the weather.

A knowledge of the human physique is considered essential in designing a chair, but a knowledge of human psychology is rarely considered useful, never mind a requirement, when someone is asked to design a pension scheme, a portable music player or a railway. Who is the Herman Miller of pensions, or the Steve Jobs of tax-return design? These people are starting to emerge – but it has been a painfully long wait. If there is a mystery at the heart of this book, it is why psychology has been so peculiarly uninfluential in business and in policy-making when, whether done well or badly, it makes a spectacular difference.

All France, it has often been said, is a garden, and if you love France, as I do, it can be a very beautiful garden. For myself I found it healing and soothing to the spirit; I recovered from the shocks and bruises which I had received in my own country. But there comes a day, when you are well again and strong, when this atmosphere ceases to be nourishing. You long to break out and test your powers. Then the French spirit seems inadequate. You long to make friends, to create enemies, to look beyond walls and cultivated patches of earth. You want to cease thinking in terms of life insurance, sick benefits, old age pensions and so on.

I watched relationships begin and end across those tables, children transferred between divorcees, the guilty relief of those parents who couldn’t face cooking, and the secret pleasure of pensioners at a fried breakfast. All human life came through, and most of them shared a few words with me, trading jokes or comments over the mugs of steaming tea

Come the revolution, however, mesmerism was reconceived once more. From its beginnings many had seen it as an aristocratic fad: Mesmer (by this stage long gone to Germany and Switzerland) had made a fortune from the nobility, charged the huge fee of 100 livres for admission to his Society of Universal Harmony, and even been offered a pension for life by Marie-Antoinette.

As Boris Johnson has pointed out, it’s now an offence to swear at a police officer. So should you incur a public-spirited 50,000-volt warning shot – perhaps for brandishing your pension book in an aggressive manner or because a young PC has mistaken your tartan shopping trolley for a piece of field artillery – don’t accidentally shout “Oh fuck!” or you might get sent to prison.

Most significantly, it sends a clear message to would-be whistleblowers: We will destroy you. You will lose your pension, your savings, your house. You won't be able to send your children to college or find a job commensurate with your education and experience. We will make your life a never-ending hell. And the courts and your attorneys will be powerless to help you in any way.

People are delighted to accept pensions and gratuities, for which they hire out their labour or their support or their services. But nobody works out the value of time: men use it lavishly as if it cost nothing. But if death threatens these same people, you will see them praying to their doctors; if they are in fear of capital punishment, you will see them prepared to spend their all to stay alive. So inconsistent are they in their feelings. But if each of us could have the tally of his future years set before him, as we can of our past years, how alarmed would be those who saw only a few years ahead, and how carefully would they use them! And yet it is easy to organize an amount, however small, which is assured; we have to be more careful in preserving what will cease at an unknown point.

With those two things going as well as they were, I figured we could become successful institutional investment managers ourselves. So I made the pitch to the people who ran the World Bank’s pension fund, most importantly Hilda Ochoa, who was its chief investment officer at the time. Despite the fact that we had no assets under management and no track record, she gave us a $5 million U.S. bond account to manage.

Washington is an example of the citizen-politician who goes to the capital of his state or nation, serves a few terms, and returns to civilian life – just as the Founding Fathers practiced and intended. Sadly, this has been almost completely disregarded by the pervasive career politicians of later generations. The current practice of politicians is to gain elected government positions and then refuse to honor voluntary term limits, thus obtaining lifetime security and prestige, exemption from laws legislated on others, and inappropriate padding of personal income through gifts from lobbyists, self-initiated increases in benefits, and lifetime pensions. Their lifestyles would shock and embarrass a selfless man like George Washington, who served eight years as commander in chief, accepting only expense reimbursements as his compensation. (See the stories on Haym Salomon and Dave Roever similar examples). On

Men set very great store by pensions and doles, and for these they hire out their labor or service or effort.   But no one sets a value on time; all use it lavishly as if it cost nothing.  But see how these same people clasp the knees of physicians if they fall ill and the danger of death draws nearer, see how ready they are, if threatened with capital punishment, to spend all their possessions in order to live!  So great is the inconsistency of their feelings.

Gradually it dawned on me how much people in America depended on their employers for all sorts of things that were unimaginable to me: medical care, health savings accounts, and pension contributions, to name the most obvious. The result was that employers ended up having far more power in the relationship than the employee. In America jeopardizing your relationship with your employer carried personal risks that extend far beyond the workplace, to a degree unthinkable where I came from.

Isaac basically knew just one thing for sure: Many are born, few flourish, all die. If you didn’t die as a sacrifice for God today, you would die of an incomprehensible plague tomorrow, or of undeserved starvation the day after, or of good old-fashioned senseless human slaughter before the next harvest. Life was short in those days and people were grateful for whatever they could get. They didn’t expect wireless video game consoles, fast German cars, dental insurance, anti-depressants, and a pension.

There is no ideal freedom that will someday be given us all at once, as a pension comes at the end of one’s life. There are liberties to be won painfully, one by one, and those we still have are stages—most certainly inadequate, but stages nevertheless—on the way to total liberation. If we agree to suppress them, we do not progress nonetheless. On the contrary, we retreat, we go backward, and someday we shall have to retrace our steps along that road, but that new effort will once more be made in the sweat and blood of men. No,

I understand, intellectually, that the death of a parent is a natural, acceptable part of life. Nobody would call the death of a very sick eighty-year-old woman a tragedy. There was soft weeping at her funeral and red watery eyes. No wrenching sobs. Now I think that I should have let myself sob. I should have wailed and beaten my chest and thrown myself over her coffin. I read a poem. A pretty, touching poem I thought she would have liked. I should have used my own words. I should have said: No one will ever love me as fiercely as my mother did. I should have said: You all think you’re at the funeral of a sweet little old lady, but you’re at the funeral of a girl called Clara, who had long blond hair in a heavy thick plait down to her waist, who fell in love with a shy man who worked on the railways, and they spent years and years trying to have a baby, and when Clara finally got pregnant, they danced around the living room but very slowly, so as not to hurt the baby, and the first two years of her little girl’s life were the happiest of Clara’s life, except then her husband died, and she had to bring up the little girl on her own, before there was a single mother’s pension, before the words “single mother” even existed. I should have told them about how when I was at school, if the day became unexpectedly cold, Mum would turn up in the school yard with a jacket for me. I should have told them that she hated broccoli with such a passion she couldn’t even look at it, and that she was in love with the main character on the English television series Judge John Deed. I should have told them that she loved to read and she was a terrible cook, because she’d try to cook and read her latest library book at the same time, and the dinner always got burned and the library book always got food spatters on it, and then she’d spend ages trying to dab them away with the wet corner of a tea towel. I should have told them that my mum thought of Jack as her own grandchild, and how she made him a special racing car quilt he adored. I should have talked and talked and grabbed both sides of the lectern and said: She was not just a little old lady. She was Clara. She was my mother. She was wonderful.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

Countries measured their success by the size of their territory, the increase in their population and the growth of their GDP – not by the happiness of their citizens. Industrialised nations such as Germany, France and Japan established gigantic systems of education, health and welfare, yet these systems were aimed to strengthen the nation rather than ensure individual well-being. Schools were founded to produce skilful and obedient citizens who would serve the nation loyally. At eighteen, youths needed to be not only patriotic but also literate, so that they could read the brigadier’s order of the day and draw up tomorrow’s battle plans. They had to know mathematics in order to calculate the shell’s trajectory or crack the enemy’s secret code. They needed a reasonable command of electrics, mechanics and medicine in order to operate wireless sets, drive tanks and take care of wounded comrades. When they left the army they were expected to serve the nation as clerks, teachers and engineers, building a modern economy and paying lots of taxes. The same went for the health system. At the end of the nineteenth century countries such as France, Germany and Japan began providing free health care for the masses. They financed vaccinations for infants, balanced diets for children and physical education for teenagers. They drained festering swamps, exterminated mosquitoes and built centralised sewage systems. The aim wasn’t to make people happy, but to make the nation stronger. The country needed sturdy soldiers and workers, healthy women who would give birth to more soldiers and workers, and bureaucrats who came to the office punctually at 8 a.m. instead of lying sick at home. Even the welfare system was originally planned in the interest of the nation rather than of needy individuals. When Otto von Bismarck pioneered state pensions and social security in late nineteenth-century Germany, his chief aim was to ensure the loyalty of the citizens rather than to increase their well-being. You fought for your country when you were eighteen, and paid your taxes when you were forty, because you counted on the state to take care of you when you were seventy.30 In 1776 the Founding Fathers of the United States established the right to the pursuit of happiness as one of three unalienable human rights, alongside the right to life and the right to liberty. It’s important to note, however, that the American Declaration of Independence guaranteed the right to the pursuit of happiness, not the right to happiness itself. Crucially, Thomas Jefferson did not make the state responsible for its citizens’ happiness. Rather, he sought only to limit the power of the state.

This is the basic root of all happiness. Whether you’re listening to Aristotle or the psychologists at Harvard or Jesus Christ or the goddamn Beatles, they all say that happiness comes from the same thing: caring about something greater than yourself, believing that you are a contributing component in some much larger entity, that your life is but a mere side process of some great unintelligible production. This feeling is what people go to church for; it’s what they fight in wars for; it’s what they raise families and save pensions and build bridges and invent cell phones for: this fleeting sense of being part of something greater and more unknowable than themselves.

I am often filled with wonder when I see some men demanding the time of others and those from whom they ask it most indulgent. Both of them fix their eyes on the object of the request for time, neither of them on the time itself; just as if what is asked were nothing, what is given, nothing. Men trifle with the most precious thing in the world; but they are blind to it because it is an incorporeal thing, because it does not come beneath the sight of the eyes, and for this reason it is counted a very cheap thing—nay, of almost no value at all. Men set very great store by pensions and doles, and for these they hire out their labour or service or effort. But no one sets a value on time; all use it lavishly as if it cost nothing. But see how these same people clasp the knees of physicians if they fall ill and the danger of death draws nearer, see how ready they are, if threatened with capital punishment, to spend all their possessions in order to live! So great is the inconsistency of their feelings. But if each one could have the number of his future years set before him as is possible in the case of the years that have passed, how alarmed those would be who saw only a few remaining, how sparing of them would they be! And yet it is easy to dispense an amount that is assured, no matter how small it may be; but that must be guarded more carefully which will fail you know not when.

For a time it was highly fashionable to build a hermitage and install in it a live-in hermit. At Painshill in Surrey, one man signed a contract to live seven years in picturesque seclusion, observing a monastic silence, for £100 a year, but was fired after just three weeks when he was spotted drinking in the local pub. An estate owner in Lancashire promised £50 a year for life to anyone who would pass seven years in an underground dwelling on his estate without cutting his hair or toenails or talking to another person. Someone took up the offer and actually lasted four years before deciding he could take no more; whether he was given at least a partial pension for his efforts is sadly unknown.

It is easy for those of us who have enough, living a secure life, structured by goals that we can reasonably confidently aspire to achieve (that new sofa, the 50-inch flat screen, that second car) and institutions designed to help us get there (savings accounts, pension programs, home-equity loans) to assume, like the Victorians, that motivation and discipline are intrinsic. As a result, there are always worries about being overindulgent to the slothful poor. Our contention is that for the most part, the problem is the opposite: It is too hard to stay motivated when everything you want looks impossibly far away. Moving the goalposts closer may be just what the poor need to start running toward them.

the agonisingly stilted telephone call with George. Chapter 5 Disturbing Siesta Time Marigold deigned to join me for a stroll around the village in lieu of the promised dip. An enormous pair of rather glamorous sunglasses paired with a jaunty wide-brimmed straw sunhat, obscured her face, making it impossible to read her expression though I guessed she was still miffed at being deprived of her swim. As we walked past the church and the village square the leafy branches of the plane trees offered a shaded canopy against the sun. Our steps turned towards one of the narrow lanes that edged upwards through the village, the ancient cobbles worn smooth and slippery from the tread of donkeys and people. The sound of a moped disturbed the peace of the afternoon and we hastily jumped backwards at its approach, pressing our bodies against a wall as the vehicle zapped past us, the pensioned-off rider’s shouted greeting muffled by the noisy exhaust. Carrier bags of shopping dangling from the handlebars made me reflect the moped was the modern day equivalent of the donkey, though less useful; the old man was forced to dismount and cart the bags of shopping on foot when the cobbled lane gave way to steps. Since adapting to village life we had become less reliant on wheels. Back in Manchester we would have thought nothing of driving to the corner shop, but here in Meli we delighted in exploring on foot, never tiring of discovering

The truth is that I'm a bad person. But, that's gonna change - I'm going to change. This is the last of that sort of thing. Now I'm cleaning up and I'm moving on, going straight and choosing life. I'm looking forward to it already. I'm gonna be just like you. The job, the family, the fucking big television. The washing machine, the car, the compact disc and electric tin opener, good health, low cholesterol, dental insurance, mortgage, starter home, leisure wear, luggage, three piece suite, DIY, game shows, junk food, children, walks in the park, nine to five, good at golf, washing the car, choice of sweaters, family Christmas, indexed pension, tax exemption, clearing gutters, getting by, looking ahead, the day you die.

Liberals: Liberty-loving liberals founded our country and enshrined its freedoms. Dedicated, fair-minded liberals ended slavery and brought women the vote. Hardworking liberals fought the goon squads and won workers’ rights: the eight-hour day, the weekend, health plans, and pensions. Courageous liberals risked their lives to win civil rights. Caring liberals have made the vulnerable elderly secure with Social Security and healthy with Medicare. Forward-looking liberals have extended education to everyone. Liberals who love the land have been preserving our environment so you can enjoy it. Nobody loves liberty and life more than a liberal. When conservatives say you’re on your own, we liberals know we’re all in this together. “Liberal

We that are bred up in learning, and destinated by our parents to this end, we suffer our childhood in the grammar-school, which Austin calls magnam tyrannidem, et grave malum, and compares it to the torments of martyrdom; when we come to the university, if we live of the college allowance, as Phalaris objected to the Leontines, [Greek: pan ton endeis plaen limou kai phobou] , needy of all things but hunger and fear, or if we be maintained but partly by our parents' cost, do expend in unnecessary maintenance, books and degrees, before we come to any perfection, five hundred pounds, or a thousand marks. If by this price of the expense of time, our bodies and spirits, our substance and patrimonies, we cannot purchase those small rewards, which are ours by law, and the right of inheritance, a poor parsonage, or a vicarage of 50 l. per annum, but we must pay to the patron for the lease of a life (a spent and out-worn life) either in annual pension, or above the rate of a copyhold, and that with the hazard and loss of our souls, by simony and perjury, and the forfeiture of all our spiritual preferments, in esse and posse, both present and to come. What father after a while will be so improvident to bring up his son to his great charge, to this necessary beggary? What Christian will be so irreligious, to bring up his son in that course of life, which by all probability and necessity, coget ad turpia, enforcing to sin, will entangle him in simony and perjury, when as the poet said, Invitatus ad hæc aliquis de ponte negabit: a beggar's brat taken from the bridge where he sits a begging, if he knew the inconvenience, had cause to refuse it." This being thus, have not we fished fair all this while, that are initiate divines, to find no better fruits of our labours, [2030] hoc est cur palles, cur quis non prandeat hoc est? do we macerate ourselves for this? Is it for this we rise so early all the year long? [2031] "Leaping" (as he saith) "out of our beds, when we hear the bell ring, as if we had heard a thunderclap." If this be all the respect, reward and honour we shall have, [2032] frange leves calamos, et scinde Thalia libellos: let us give over our books, and betake ourselves to some other course of life; to what end should we study?

So, I think that when we become civilized, great corporations will make provision for men who have given their lives to their service. I think the great railroads should pay pensions to their worn out employees. They should take care of them in old age. They should not maim and wear out their servants and then discharge them, and allow them to be supported in poorhouses. These great companies should take care of the men they maim; they should look out for the ones whose lives they have used and whose labor has been the foundation of their prosperity. Upon this question, public sentiment should be aroused to such a degree that these corporations would be ashamed to use a human life and then throw away the broken old man as they would cast aside a rotten tie.

And at this very moment, like a miracle, the rail-bus appeared. We waved our arms frantically, hardly daring to hope that it would stop. It did stop. We scrambled thankfully on board. That is the irony of travel. You spend your boyhood dreaming of a magic, impossibly distant day when you will cross the Equator, when your eyes will behold Quito. And then, in the slow prosaic process of life, that day undramatically dawns—and finds you sleepy, hungry and dull. The Equator is just another valley; you aren’t sure which and you don’t much care. Quito is just another railroad station, with fuss about baggage and taxis and tips. And the only comforting reality, amidst all this picturesque noisy strangeness, is to find a clean pension run by Czech refugees and sit down in a cozy Central European parlor to a lunch of well-cooked Wiener Schnitzel.

America was at the crossroads between its slaveholding past and the possibility of a truly inclusive, vibrant democracy. The four-year war, played out on battlefield after battlefield on an unimaginable scale, had left the United States reeling. Beyond the enormous loss of life to contend with, more than one million disabled ex-soldiers were adrift, not to mention the widows seeking support from a rickety and virtually nonexistent veterans’ pension system.6 The mangled sinews of commerce only added to the despair, with railroad tracks torn apart; fields fallow, hardened, and barren; and bridges that had once defied the physics of uncrossable rivers now destroyed. And then this: Millions of black people who had been treated as no more than mere property were now demanding their full rights of citizenship. To face these challenges and make

Clearly, the whole concept of “retirement” is about to undergo a major overhaul. People will have to work later in life, at least part-time, and perhaps as long as they are able. This is not necessarily a bad thing, as there is some evidence that most people are actually happier with a phased retirement 85 just so long as they perceive a sense of choice in the matter.86 On the other hand, a “gray crime wave” has now begun in Japan: Arrests of struggling pensioners over age sixty-five has doubled—mostly for shoplifting and pickpocketing—and the number incarcerated has tripled to over 10% of Japan’s prison population.87 It is also apparent that some big cultural shifts will be needed in the way we treat and value our elderly. “Our society must learn that ageing and youth should be valued equally,” writes Leonard Hayflick of the UCSF School of Medicine, “if for no other reason than the youth in developed countries have an excellent chance of experiencing the phenomenon that they may now hold in such low esteem.

In theory one is aware that the earth revolves, but in practice one does not perceive it, the ground upon which one treads seems not to move, and one can live undisturbed. So it is with Time in one’s life. And to make its flight perceptible novelists are obliged, by wildly accelerating the beat of the pendulum, to transport the reader in a couple of minutes over ten, or twenty, or even thirty years. At the top of one page we have left a lover full of hope; at the foot of the next we meet him again, a bowed old man of eighty, painfully dragging himself on his daily walk about the courtyard of an almshouse, scarcely replying to what is said to him, oblivious of the past. In saying of me, “He is no longer a child,” “His tastes will not change now,” and so forth, my father had suddenly made me apparent to myself in my position in Time, and caused me the same kind of depression as if I had been, not yet the enfeebled old pensioner, but one of those heroes of whom the author, in a tone of indifference which is particularly galling, says to us at the end of a book: “He very seldom comes up now from the country. He has finally decided to end his days there.

Life as an Enron employee was good. Prestwood’s annual salary rose steadily to sixty-five thousand dollars, with additional retirement benefits paid in Enron stock. When Houston Natural and Internorth had merged, all of Prestwood’s investments were automatically converted to Enron stock. He continued to set aside money in the company’s retirement fund, buying even more stock. Internally, the company relentlessly promoted employee stock ownership. Newsletters touted Enron’s growth as “simply stunning,” and Lay, at company events, urged employees to buy more stock. To Prestwood, it didn’t seem like a problem that his future was tied directly to Enron’s. Enron had committed to him, and he was showing his gratitude. “To me, this is the American way, loyalty to your employer,” he says. Prestwood was loyal to the bitter end. When he retired in 2000, he had accumulated 13,500 shares of Enron stock, worth $1.3 million at their peak. Then, at age sixty-eight, Prestwood suddenly lost his entire Enron nest egg. He now survives on a previous employer’s pension of $521 a month and a Social Security check of $1,294. “There aint no such thing as a dream anymore,” he says. He lives on a three-acre farm north of Houston willed to him as a baby in 1938 after his mother died. “I hadn’t planned much for the retirement. Wanted to go fishing, hunting. I was gonna travel a little.

Marvellous lovingkindness." Psalm 17:7 When we give our hearts with our alms, we give well, but we must often plead to a failure in this respect. Not so our Master and our Lord. His favours are always performed with the love of his heart. He does not send to us the cold meat and the broken pieces from the table of his luxury, but he dips our morsel in his own dish, and seasons our provisions with the spices of his fragrant affections. When he puts the golden tokens of his grace into our palms, he accompanies the gift with such a warm pressure of our hand, that the manner of his giving is as precious as the boon itself. He will come into our houses upon his errands of kindness, and he will not act as some austere visitors do in the poor man's cottage, but he sits by our side, not despising our poverty, nor blaming our weakness. Beloved, with what smiles does he speak! What golden sentences drop from his gracious lips! What embraces of affection does he bestow upon us! If he had but given us farthings, the way of his giving would have gilded them; but as it is, the costly alms are set in a golden basket by his pleasant carriage. It is impossible to doubt the sincerity of his charity, for there is a bleeding heart stamped upon the face of all his benefactions. He giveth liberally and upbraideth not. Not one hint that we are burdensome to him; not one cold look for his poor pensioners; but he rejoices in his mercy, and presses us to his bosom while he is pouring out his life for us. There is a fragrance in his spikenard which nothing but his heart could produce; there is a sweetness in his honey-comb which could not be in it unless the very essence of his soul's affection had been mingled with it. Oh! the rare communion which such singular heartiness effecteth! May we continually taste and know the blessedness of it!

It's possible to see how much the brand culture rubs off on even the most sceptical employee. Joanne Ciulla sums up the dangers of these management practices: 'First, scientific management sought to capture the body, then human relations sought to capture the heart, now consultants want tap into the soul... what they offer is therapy and spirituality lite... [which] makes you feel good, but does not address problems of power, conflict and autonomy.'¹0 The greatest success of the employer brand' concept has been to mask the declining power of workers, for whom pay inequality has increased, job security evaporated and pensions are increasingly precarious. Yet employees, seduced by a culture of approachable, friendly managers, told me they didn't need a union - they could always go and talk to their boss. At the same time, workers are encouraged to channel more of their lives through work - not just their time and energy during working hours, but their social life and their volunteering and fundraising. Work is taking on the roles once played by other institutions in our lives, and the potential for abuse is clear. A company designs ever more exacting performance targets, with the tantalising carrot of accolades and pay increases to manipulate ever more feverish commitment. The core workforce finds itself hooked into a self-reinforcing cycle of emotional dependency: the increasing demands of their jobs deprive them of the possibility of developing the relationships and interests which would enable them to break their dependency. The greater the dependency, the greater the fear of going cold turkey - through losing the job or even changing the lifestyle. 'Of all the institutions in society, why let one of the more precarious ones supply our social, spiritual and psychological needs? It doesn't make sense to put such a large portion of our lives into the unsteady hands of employers,' concludes Ciulla. Life is work, work is life for the willing slaves who hand over such large chunks of themselves to their employer in return for the paycheque. The price is heavy in the loss of privacy, the loss of autonomy over the innermost workings of one's emotions, and the compromising of authenticity. The logical conclusion, unless challenged, is capitalism at its most inhuman - the commodification of human beings.

He appeared to live entirely on sweet tea, condensed milk, hand-rolled cigarettes, and a sort of sullen internal energy. Shadwell had a Cause, which he followed with the full resources of his soul and his Pensioner’s Concessionary Travel Pass. He believed in it. It powered him like a turbine. Newton Pulsifer had never had a cause in his life. Nor had he, as far as he knew, ever believed in anything. It had been embarrassing, because he quite wanted to believe in something, since he recognized that belief was the lifebelt that got most people through the choppy waters of Life. He’d have liked to believe in a supreme God, although he’d have preferred a half-hour’s chat with Him before committing himself, to clear up one or two points. He’d sat in all sorts of churches, waiting for that single flash of blue light, and it hadn’t come. And then he’d tried to become an official Atheist and hadn’t got the rock-hard, self-satisfied strength of belief even for that. And every single political party had seemed to him equally dishonest. And he’d given up on ecology when the ecology magazine he’d been subscribing to had shown its readers a plan of a self-sufficient garden, and had drawn the ecological goat tethered within three feet of the ecological beehive. Newt had spent a lot of time at his grandmother’s house in the country and thought he knew something about the habits of both goats and bees, and concluded therefore that the magazine was run by a bunch of bib-overalled maniacs. Besides, it used the word “community” too often; Newt had always suspected that people who regularly used the word “community” were using it in a very specific sense that excluded him and everyone he knew. Then he’d tried believing in the Universe, which seemed sound enough until he’d innocently started reading new books with words like Chaos and Time and Quantum in the titles. He’d found that even the people whose job of work was, so to speak, the Universe, didn’t really believe in it and were actually quite proud of not knowing what it really was or even if it could theoretically exist. To Newt’s straightforward mind this was intolerable. Newt had not believed in the Cub Scouts and then, when he was old enough, not in the Scouts either. He was prepared to believe, though, that the job of wages clerk at United Holdings [Holdings] PLC, was possibly the most boring in the world.

People said, ‘When the Russians come, they will give us gas, double our pensions and make our life better.

In the German and French pensions, which twenty-five years ago were crowded with American mothers and their daughters who had crossed the seas in search of culture, one often found the mother making real connection with the life about her, using her inadequate German with great fluency, gaily measuring the enormous sheets or exchanging recipes with the German Hausfrau, visiting impartially the nearest kindergarten and market, making an atmosphere of her own, hearty and genuine as far as it went, in the house and on the street. On the other hand, her daughter was critical and uncertain of her linguistic acquirements, and only at ease when in the familiar receptive attitude afforded by the art gallery and the opera house. In the latter she was swayed and moved, appreciative of the power and charm of the music, intelligent as to the legend and poetry of the plot, finding use for her trained and developed powers as she sat "being cultivated" in the familiar atmosphere of he classroom which had, as it were, become sublimated and romanticized.

The 8 Basic Headers Work Family & Kids Spouse Health & Fitness Home Money Recreation & Hobbies Prospects for the Future Work The Boss Time Management Compensation Level of interest Co-workers Chances of promotion My Job Description Subordinates Family Relationship with spouse Relationship with children Relationship with extended family Home, chores and responsibilities Recreation & hobbies Money, expenses and allowances Lifestyle and standard of living Future planes and arrangements Spouse Communication type and intensity Level of independence Sharing each other's passions Division of roles and responsibilities Our time together Our planes for our future Decision making Love & Passion Health & Fitness General health Level of fitness Healthy lifestyle Stress factors Self awareness Self improvement Level of expense on health & fitness Planning and preparing for the rest of my life Home Comfort Suitability for needs Location Community and municipal services Proximity and quality of support/activity centers (i.e. school. Medical aid etc) Rent/Mortgage Repair / renovation Emotional atmosphere Money Income from work Passive income Savings and pension funds Monthly expenses Special expenses Ability to take advantage of opportunities / fulfill dreams Financial security / resilience Financial IQ / Understanding / Independent decision making Social, Recreation & Hobbies Free time Friends and social activity Level & quality of social ties Level of spending on S, R&H Culture events (i.e. theater, fairs etc) Space & accessories required Development over time Number of interests Prospect for the future Type of occupation Ratio of work to free time Promotion & Business development (for entrepreneurs) Health & Fitness Relationships Family and Home Financial security Fulfillment of vision / dreams  Creating Lenses with Excel If you wish to use Excel radar diagrams to simulate lenses, follow these steps: Open a new Excel spreadsheet.

...this is hard to explain, but it's not a government operation, the Kennedy thing [assassination]. I've been in government my whole life, and I've seen a lot of slimy deals go down, and the one characteristic they all have is stupidity and simplicity; once you pick at them, they start to unravel. People rat each other out. They leave evidence lying around. They buy yachts they can't afford. And let's face it, you want to start a conspiracy in the government, who've you got to do the job? Guys who signed up to work at a desk eight hours a day for thirty years, with no chance of layoffs and a nice pension at the end. Not your top recruits for skullduggery, right? Prime example: Watergate. Now that's a government conspiracy.

But if Hubbard really did cure himself of his mythical injuries by 1947, why was he still claiming a part disability pension? Why did he write to Veterans Administration in October of the same year saying he’d been ‘trying and failing for two years to regain my equilibrium in civil life’ and asking for help paying for psychiatric treatment? Why did he continue to lobby for an increase to his pension over this period of time? And why was it the case that he claimed a disability pension for decades afterwards?46 Some

If Nature’s role is to bring cheer to a person’s life, it certainly doesn’t do the job in the room of a Dutch old-age pensioner.

In 1744, two Presbyterian clergymen in Scotland, Alexander Webster and Robert Wallace, decided to set up a life-insurance fund that would provide pensions for the widows and orphans of dead clergymen.

Let me give you one of my favorite examples of the difference between trying and endeavoring. When a new motorway was built, taking passing traffic away from Colonel Sanders’ restaurant, his business crumbled. About to retire with just a paltry military pension, he was facing a bleak future. But the one thing he knew he had that was of value was a mighty fine chicken recipe. He didn’t have the money to open a new restaurant, but he figured he could franchise his chicken recipe to other restaurateurs and earn a slice of every chicken meal sold. After all, he had been selling his special chicken recipe for years in his own small restaurant: how hard could it be? The answer was: very. The first restaurant he went to politely asked him to leave with the words: ‘We have a good chicken recipe of our own already; why would we want to pay you for another?’ The same thing happened at the next place he endeavoured to persuade. And the next. But he persisted. Guess how many no’s he got before someone agreed to give his ‘finger-licking’ recipe a ‘try’? The elderly Colonel Sanders had to knock on 1,009 doors before someone gave him a yes and the legend and business empire that became Kentucky Fried Chicken was finally born. Now, how many of us, after the first 50 no’s, might have thought that maybe we should quit (or at least check our chicken recipe!)? What about after ONE THOUSAND no’s? I reckon most people wouldn’t even have got to the hundredth door, and long before they rang the 1,009th doorbell they would have given up. ‘Well, we tried our best’ would have been a fair assessment. But not for the good colonel! Colonel Sanders - he really was an army veteran with some great military doggedness - had that spirit of determination, that endeavor , not to quit until he had found the thing he was looking for. Trying often comes before failure. Endeavour more often leads to success. But they are just words, I hear you say. Why does it matter whether we say ‘try’ or ‘endeavour’? It matters, believe me. Our words become our attitudes and our attitudes become our life.

Oleg Gordievsky still lives a double life. To his suburban neighbours, the bowed, bearded old man living quietly behind the tall hedges is just another old-age pensioner, a person of little consequence. In reality he is someone else entirely, a figure of profound historical importance, and a remarkable man: proud, shrewd, irascible, his brooding manner illuminated by sudden flashes of ironic humour. He is sometimes hard to like, and impossible not to admire. He has no regrets, he says, but from time to time he will break off in mid-conversation, and stare blankly into a distance only he can see. He is one of the bravest people I have ever met, and one of the loneliest.

but the truth is that comparing what private equity firms used to be—and where the perception of private equity still sits in many quarters—to what they are now is like comparing a Motorola cellphone from the 1990s to the latest iPhone. There’s a world of differences; it’s not even close. For pension funds and other investors in private equity funds, the firms they back gives them access to investment opportunities they can’t find or execute themselves. What’s more, they get consistent investment returns out of these opportunities, whether they include leveraged buyouts, credit investments, infrastructure assets, essential utilities, real estate transactions, technology deals, natural resources projects, banks, insurance companies, or life science opportunities. They can buy companies, carve out businesses, build up companies through acquisitions and organic growth, spin off businesses, take companies private from the public market, buy businesses from other funds they manage, draw margin loans to finance dividends, and refinance the capital structure pre-exit. And more besides.

Most governments will not be able to fund their pension and social security schemes to support people living into their 90s. Many of us will also want to live engaging and productive lives as long as we can. To retire at 60 and spend 30 years vacationing would be both boring and unhealthy. But how many companies would be keen to employ a 70-year-old person in a world where 40 is already the new 60? So, what are we supposed to do as we get older? How do we stay engaged? How do we financially support ourselves?

It’s a sad fact of life, Cage, that we’re not very good at this sort of thing in our country. Politicians, useless NHS managers, chief execs who swindle their shareholders and rob the pension pot – they all get very generous golden goodbyes, but those who risk their lives, or fight for their country, or spend their lives working in the shadows, or give up the chance of a normal life, those who actually do serve, selflessly and with dedication – well, they don’t.

He suddenly paused in his reflection and stood still. “It shall not be? But what are you going to do to prevent it? You’ll forbid it? And what right have you? What can you promise them on your side to give you such a right? Your whole life, your whole future, you will devote to them when you have finished your studies and obtained a post? Yes, we have heard all that before, and that’s all words, but now? Now something must be done, now, do you understand that? And what are you doing now? You are living upon them. They borrow on their hundred roubles pension. They borrow from the Svidrigaïlovs. How are you going to save them from Svidrigaïlovs, from Afanasy Ivanovitch Vahrushin, oh, future millionaire Zeus who would arrange their lives for them? In another ten years? In another ten years, mother will be blind with knitting shawls, maybe with weeping too. She will be worn to a shadow with fasting; and my sister? Imagine for a moment what may have become of your sister in ten years? What may happen to her during those ten years? Can you fancy?” So he tortured himself, fretting himself with such questions, and finding a kind of enjoyment in it. And yet all these questions were not new ones suddenly confronting him, they were old familiar aches. It was long since they had first begun to grip and rend his heart. Long, long ago his present anguish had its first beginnings; it had waxed and gathered strength, it had matured and concentrated, until it had taken the form of a fearful, frenzied and fantastic question, which tortured his heart and mind, clamoring insistently for an answer.

People think it’s a fortune, but they don’t reckon on, well, it’s not pensionable, there’s all the medical expenses, you’ve got to buy and maintain your own gear—‘ ‘—wear and tear on virgins—‘ nodded a small fat hunter. ‘Yeah, and then there’s…what?’ ‘My specialty is unicorns,’ the hunter explained, with an embarrassed smile. ‘Oh, right.’ The first speaker looked like someone who’d always been dying to ask this question. ‘I thought they were very rare these days.’ ‘You’re right there. You don’t see many unicorns, either,’ said the unicorn hunter. Vimes got the impression that, in his whole life, this was his only joke.

To not give a fuck about adversity, you must first give a fuck about something more important than adversity. Imagine you’re at a grocery store, and you watch an elderly lady scream at the cashier, berating him for not accepting her thirty-cent coupon. Why does this lady give a fuck? It’s just thirty cents. I’ll tell you why: That lady probably doesn’t have anything better to do with her days than to sit at home cutting out coupons. She’s old and lonely. Her kids are dickheads and never visit. She hasn’t had sex in over thirty years. She can’t fart without extreme lower-back pain. Her pension is on its last legs, and she’s probably going to die in a diaper thinking she’s in Candy Land. So she snips coupons. That’s all she’s got. It’s her and her damn coupons. It’s all she can give a fuck about because there is nothing else to give a fuck about. And so when that pimply-faced seventeen-year-old cashier refuses to accept one of them, when he defends his cash register’s purity the way knights used to defend maidens’ virginity, you can bet Granny is going to erupt. Eighty years of fucks will rain down all at once, like a fiery hailstorm of “Back in my day” and “People used to show more respect” stories. The problem with people who hand out fucks like ice cream at a goddamn summer camp is that they don’t have anything more fuck-worthy to dedicate their fucks to.

The idea of a pension was not, and is not, extravagant. It's premised on the idea that some of the profits you help produce for a company should not go to stockholders, or the CEO, back back to longtime workers, who would continue to receive a portion of their salary even after they retire. In essence, the worker committed years of their life to making the company profitable; the company then commits some extra years of its profits to the employee.

I am often filled with wonder when I see some men demanding the time of others, and those who they ask of it are most indulgent. Both of them fix their eyes on the object of the request for time, neither of them on the time itself; just as if what is asked were nothing, what is given, nothing. Men treat with little respect the most precious thing in the world; but they are blind to it because it is not physical, because it does not come to the sight of the eyes, and for this reason it is counted as a very cheap thing—or of almost no value at all. Men save towards great pensions, and for these they hire out their labour, service and effort, but no one sets a value on time; all use it lavishly as if it cost nothing. But see how these same people grab the knees of physicians if they fall ill and the danger of death draws nearer, see how ready they are, if threatened with capital punishment, to spend all their possessions in order to live!

He offered Schey all the titles he might want, a pension of 24,000 florins,

I have always liked this by George Carlin: “I want to live my next life backwards. “You start out dead and get that out of the way. “Then you wake up in a nursing home feeling better every day. “Then you get kicked out for being too healthy. “Enjoy your retirement and collect your pension. “Then when you start work, you get a gold watch on your first day “You work 40 years until you’re too young to work. “You get ready for high school: drink alcohol, party, and you’re generally promiscuous. “Then you go to primary school, you become a kid, you play, and you have no responsibilities. “Then you become a baby, and then… “You spend your last 9 months floating peacefully in luxury, in spa-like conditions—central heating, room service on tap, and then… “You finish off as an orgasm.

It’s so strange that we don’t want spoilers in our stories but we seek them in our lives. We want to know we will fall in love, or be healthy, or finish the degree in style, get the good job or the comfortable pension. We want the solution. We want it all mapped out. We want to know everything ends well. We want it all spoiled, with as little mystery as possible. But where is the fun in that?

The competitive landscape of hedge funds is rapidly changing, as hundreds of funds are opened and closed every year. For example, Pensions & Investments reported that 784 new funds were started in 2009, while 1,023 existing funds were closed. Amazingly, the median life of a hedge fund is only 31 months. Fewer than 15 percent of hedge funds last longer than six years, and 60 percent of them disappear in less than three years.[3]

Because behaviour is adaptive, not rational, we support social institutions that interfere with our freedom of choice. Odysseus had himself tied to the mast to resist siren voices. That is why there are subsidies to pensions and compulsory contributions; taxes on things we know we ought not to indulge in, like alcohol, tobacco and gambling; and subsidies to things we think we should engage in, like libraries, concerts and adult education. Social norms and legislation define the nature of adaptive behaviour in economic life; and we favour norms and legislation which change economic behaviour, including our own. Odysseus would not have been impressed by the argument that the behaviour he fears, being irrational, will not happen, and nor are we.

So far, I’d been shoplifting, played detective, got chucked out of a friend’s house and been touched up by a bloody frisky pensioner all in the space of twelve weeks. Marvellous! Could my year get any worse?

Exhibit 6.2 Cost of $1,000 in Monthly Lifetime Annuity Income, Starting at Age 65 Year Male Female 2004 $157,432 $167,818 2005 $157,255 $167,817 2006 $151,700 $161,363 2007 $151,524 $160,966 2008 $147,953 $155,843 2009 $156,500 $165,502 2010 $170,116 $178,410 2011 $174,828 $182,952 2012 $187,008 $195,216 2013 $183,728 $191,571 Average $163,804 $172,746 Source: CANNEX Financial Exchanges for non-COLA-adjusted qualified annuity income with a 10-year guarantee for California.

Why do people put off travel until retirement? What are they saving it for? I understand that people want to be financially secure first, and pay off pension plans, but why consign the most active years of your life to drudgery? Why would you sacrifice today's freedom for a future that will always remain uncertain, no matter how carefully you plan for it? I'm not saying that everyone sitting in an office right this minute should drop everything and take off for Central Europe. I'm saying that if you want to see the world, plan for it and do it as soon as possible. The experience will give you the inspiration and fortitude you need to survive being a grown up.

She entered the civil service, worked conscientiously, and reached the highest level available, tenure, with full pension. ‘Was this time when your apathy began?’ I asked. She admitted that this could be so. ‘Then, I think I know what you need,’ I ventured. ‘You need a goal. All your life you have been ambitious, and now suddenly you’ve reached your goal and cannot advance. But you have too much mental energy to stand still, you need new challenges, new areas of activity. To be well off is not enough, standing still does not satisfy human nature.’ The woman had listened attentively and was no longer uninterested. ‘You are right,’ she said. ‘What I need is a goal. Now that you’ve said it, I know it is true. And here I thought you will analyze my entire childhood and trace my difficulties back to the divorce of my parents…’ We both laughed, and the ice was broken.” (Lukas,

It was another beautiful crisp, clear day, in what has always been considered picturesque Überlingen. The village was internationally known for its traditional beauty and was a popular vacation destination long before the war. As usual, there was just a hint of a breeze off the brilliantly blue lake and I could understand why so many Germans would come here for their urlaub or vacation. Having a little money left over from the last check sent by Mina, I found a nice room for the three of us, overlooking the lake at a classy resort hotel. For the next two days we lived quite comfortably in our new surroundings. In fact we even enjoyed a real hot bath, something that I had almost forgotten. As I soaked in the warm, sudsy water I could hear my children laughing and giggling in the next room, and longed for a time when the world would be at peace again. During the day we walked along the shore of the beautiful Bodensee, but in the back of my mind, I knew that this was nothing more than a horrible illusion and couldn’t last; besides I had to find work. In reality, the children and I would have to settle in somewhere so that we could find some sort of stability. It was also important that they enroll in a school again. That “somewhere” turned out to be a room in a house owned by two old ladies who took in boarders. The old house faced the railroad station and was quaint in the old world style. It fit right into the picture postcard appearance of romantic Überlingen. Erika, the younger of the two ladies, was very kind and helpful to me. There were also two other tenants, Mr. and Mrs. Koestoll. He was German and she seemed to be what could be considered a typical French housewife, who devoted her life to her German husband. Herr Koestoll, was old and feeble and they sustained themselves on a very small pension. In fact it was so bad that he couldn’t even afford shoes. However their happiness didn’t seem to depend on money. I grew very fond of them for the short time that we knew each other.

Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion

He didn't need the money. He lived alone and drew a modest pension and lived simply, in a small wooden house built so long ago it contained just one electrical outlet. Into the top socket was plugged his half-size refrigerator; the bottom socket sat empty. A tiny red spider sometimes appeared there, which Nao thought lucky. Nao owned a small TV and enjoyed certain weekly dramas enough to pay the NHK subscription fee, but rather than use the vacant socket to power the TV, he unplugged the refrigerator. Nao belived in spiders' rights. He also believed that life offered answers to those who stood still enough to hear them. (from the story Wisher)

Remember pensions? A promise of a never-ending income for life? They’ve become relics.

The six Nicholas Bacon Scholars came next. Marlowe sat at the adjacent table with the remaining scholars, including his Parker lot. The Pensioners, all rich lads, filled out the tables in the rest of the hall. Unlike the Scholars, they paid their own commons and other expenses. Their interest in the academic life was generally marginal; their lot in life was to drink, play tennis and accumulate just enough education to return to their country seats as Justices of the Peace. Rounding out the student mix were the Sizars, poor lads who were clever enough to attend university but not meritorious enough to receive scholarships. They had to wait on their fellow students for their tuition, bed and board.

Talking Dog One day, while driving in the country, a man noticed a sign that said “Talking Dog for Sale.”  The sign pointed to a farm house off the road just a bit.  The man’s interest was piqued so he pulled off the road and headed up to the farm house. When he got there and inquired about the talking dog, the farmer told him the talking dog was around the back of the farm house.  The farmer said the man was welcome to go in back and talk with the dog. The man was in a serious state of disbelief, because he knew dogs couldn’t talk.  Still he was very curious so he headed around to the backyard. In the backyard the man noticed a poodle that quickly came up to him.  The man thought to himself, “Hmmm poodles are supposed to be smart dogs.” “Can you really talk?” the man asked the poodle. “I sure can,” replied back the poodle. “Wow,” exclaimed the man.  Wanting to hear more he asked, “So what’s your story?” “I discovered I could talk when I was very young,” said the poodle.  “I knew I had a real gift so I thought I should do something about it.  I joined the CIA and became one of their very best spies.  I was sent on many secret missions.  I traveled all around the world and was involved in many interesting and intriguing cases. I even helped save the life of the President on two occasions. After eight years I got tired of all the jetting around and decided to retire.  I was given several awards for all my achievements and a gala dinner, attended by many important people, was held in my honor.  I was given a full government pension and brought to this farm to enjoy the rest of my life.” After hearing all this, the man was astounded.  He quickly went back to the farmer and said, “I want that dog!  I will buy it at any price.  How much do you want for that dog?” “Ten dollars,” was the farmer’s reply. “Ten dollars?” the man said in disbelief.  “That dog is amazing, why on earth would you sell it for so little?” “Because he’s a big liar; he didn’t do any of those things!

He was getting old and paunchy and his hair was falling fast, And he sat around the Legion, telling stories of the past. Of a war that he had fought in and the deeds that he had done, In his exploits with his buddies; they were heroes, every one. And tho' sometimes, to his neighbors, his tales became a joke, All his Legion buddies listened, for they knew whereof he spoke. But we'll hear his tales no longer for old Bill has passed away, And the world's a little poorer, for a soldier died today. He will not be mourned by many, just his children and his wife, For he lived an ordinary and quite uneventful life. Held a job and raised a family, quietly going his own way, And the world won't note his passing, though a soldier died today. When politicians leave this earth, their bodies lie in state, While thousands note their passing and proclaim that they were great. Papers tell their whole life stories, from the time that they were young, But the passing of a soldier goes unnoticed and unsung. Is the greatest contribution to the welfare of our land A guy who breaks his promises and cons his fellow man? Or the ordinary fellow who, in times of war and strife, Goes off to serve his Country and offers up his life? A politician's stipend and the style in which he lives Are sometimes disproportionate to the service that he gives. While the ordinary soldier, who offered up his all, Is paid off with a medal and perhaps, a pension small. It's so easy to forget them for it was so long ago, That the old Bills of our Country went to battle, but we know It was not the politicians, with their compromise and ploys, Who won for us the freedom that our Country now enjoys. Should you find yourself in danger, with your enemies at hand, Would you want a politician with his ever-shifting stand? Or would you prefer a soldier, who has sworn to defend His home, his kin and Country and would fight until the end? He was just a common soldier and his ranks are growing thin, But his presence should remind us we may need his like again. For when countries are in conflict, then we find the soldier's part Is to clean up all the troubles that the politicians start. If we cannot do him honor while he's here to hear the praise, Then at least let's give him homage at the ending of his days. Perhaps just a simple headline in a paper that would say, Our Country is in mourning, for a soldier died today.

The failure of the duly elected government to build a new Army that would be faithful to its own democratic spirit and subordinate to the cabinet and the Reichstag was a fatal mistake for the Republic, as time would tell.   The failure to clean out the judiciary was another. The administrators of the law became one of the centers of the counterrevolution, perverting justice for reactionary political ends. “It is impossible to escape the conclusion,” the historian Franz L. Neumann declared, “that political justice is the blackest page in the life of the German Republic.”4 After the Kapp putsch in 1920 the government charged 705 persons with high treason; only one, the police president of Berlin, received a sentence—five years of “honorary confinement.” When the state of Prussia withdrew his pension the Supreme Court ordered it restored.

Over the last decade, other G7 countries have made more dramatic changes to their pension programs than the United States has to Social Security.33 Germany and Japan have put automatic stabilizers into their public pension systems so that the pension benefits rise or fall automatically with the country’s ability to afford them. Italy linked pension age eligibility to life expectancy, while France indexed part of its public pension system to price inflation. These changes amount to huge spending cuts by 2040 compared with previous law—roughly 30 percent in France, 40 percent in Germany and Japan, and nearly 50 percent in Italy.34 Some of the reforms were delayed because of the recession. Nonetheless, the public broadly understands that future benefits should be cut, and the push for reform has come equally from the Left and the Right. The United States, meanwhile, has not managed to pass a major Social Security reform in thirty years.

Shelby is a wonderful young woman. You’re good together.” “Mother…” “It isn’t just her. Oh, it’s obvious she loves you. But it’s also you. The second she’s near you, all those tense lines in your face relax and you soften up. That grumpy, self-protective shield drops and you’re warm and affectionate. She’s good for you, she brings out your best, makes you fun. You have something special with her.” “She’s twenty-five.” Maureen shook her head. “I don’t think that’s relevant. It doesn’t seem to have anything to do with how you two communicate…” “There are things you don’t understand about Shelby,” he said. “She’s not just young, she hasn’t had many relationships. She’s been taking care of her mother and hasn’t really looked at the world. In a lot of ways, she’s a child.” “I know all about her mother, but she’s no child,” Maureen said. “It takes maturity and courage to do what she did. So she didn’t have a lot of relationships with young men, it doesn’t mean she lacks worldly experience. And your age doesn’t matter to her.” “It will. I’m too old. I’m not going to stand still while she gets older. She’ll be thirty-five and I’ll be almost fifty. She’d find herself with an old man.” “At fifty?” She laughed. “I liked fifty,” she said with a dismissive shrug. “Fifty was good. I was only twenty-three when I married your father and I never thought of him as too old for me. To the contrary, it made me feel better in so many ways, to be with a mature man, a man of experience who didn’t have doubts anymore. He was stable and solid. It brought me comfort. And he was awful good to me.” Luke straightened his shoulders. “I’m not getting married. Shelby will move on, Mom. She wants a career. A young husband. She wants a family.” “You know this?” Maureen asked. “Of course I know that,” he said. “You think we haven’t talked? I didn’t lead her on. And she didn’t lead me on. She knows I don’t want a wife, don’t want children…” Maureen was quiet for a long moment. Finally she said, “You did once.” Luke let go a short laugh that was tinged with his inner rage. “I’m cured of that.” “You have to think about this. The way you’ve managed your life since Felicia hasn’t exactly brought you peace. I suppose it’s normal when a man gets hurt to avoid anything risky for a while, but not for thirteen years, Luke. If the right person comes along, don’t assume it can’t work just because it didn’t work once, a long, long time ago. I know this young woman as well as I ever knew Felicia. Luke, Shelby is nothing like her. Nothing.” Luke pursed his lips, looked away for a second and then took a slow sip of coffee. “Thank you, Mom. I’ll remember that.” She stepped toward him. “It’s going to hurt just as much to let her go as it hurt you to be tossed away by Felicia. Remember that.” “You know, I don’t think I’m the one guilty of assumptions here,” he said impatiently. “What makes you think all people want a tidy little marriage and children? Huh? I’ve been damn happy the past dozen years. I’ve been challenged and successful in my own way, I’ve had a good time, good friends, a few relationships…” “You’ve been treading water,” she said. “You’re marking the years, not living them. There’s more to life, Luke. I hope you let yourself see—you’re in such a good place right now—you can have it all. You put in your army years and it left you with a pension while you’re still young. You’re healthy, smart, accomplished, and you have a good woman. She’s devoted to you. There’s no reason you have to be alone for the rest of your life. It’s not too late.” He’d

February 14 MORNING “And his allowance was a continual allowance given him of the king, a daily rate for every day, all the days of his life.” — 2 Kings 25:30 JEHOIACHIN was not sent away from the king’s palace with a store to last him for months, but his provision was given him as a daily pension. Herein he well pictures the happy position of all the Lord’s people. A daily portion is all that a man really wants. We do not need tomorrow’s supplies; that day has not yet dawned, and its wants are as yet unborn. The thirst which we may suffer in the month of June does not need to be quenched in February, for we do not feel it yet; if we have enough for each day as the days arrive we shall never know want. Sufficient for the day is all that we can enjoy. We cannot eat or drink or wear more than the day’s supply of food and raiment; the surplus gives us the care of storing it, and the anxiety of watching against a thief. One staff aids a traveller, but a bundle of staves is a heavy burden. Enough is not only as good as a feast, but is all that the veriest glutton can truly enjoy. This is all that we should expect; a craving for more than this is ungrateful. When our Father does not give us more, we should be content with his daily allowance. Jehoiachin’s case is ours, we have a sure portion, a portion given us of the king, a gracious portion, and a perpetual portion. Here is surely ground for thankfulness. Beloved Christian reader, in matters of grace you need a daily supply. You have no store of strength. Day by day must you seek help from above. It is a very sweet assurance that a daily portion is provided for you. In the word, through the ministry, by meditation, in prayer, and waiting upon God you shall receive renewed strength. In Jesus all needful things are laid up for you. Then enjoy your continual allowance. Never go hungry while the daily bread of grace is on the table of mercy.

On another occasion, he opined, "But, if ever forgetful of her past and present glory, she shall cease to be 'the land of the free and the home of the brave,' and become the purchased possession of a company of stock jobbers and speculators, if her people are to become the vassals of a great moneyed corporation, and to bow down to her pensioned and privileged nobility, if the patriots who shall dare to arraign her corruptions and denounce her usurpations, are to be sacrificed upon her gilded altar; such a country may furnish venal orators and presses but the soul of national poetry will be gone…That muse will 'Never bow the knee in mammon's fane.' No, the patriots of such a land must hide their shame in her deepest forests, and her bards must hang their harps upon the willows. Such a people, thus corrupted and degraded, 'Living, shall forfeit fair renown, And, doubly dying shall go down, To the vile dust from whence they sprung, Unwept, unhonored and unsung.