Retire And Return Quotes

It is the secret of the world that all things subsist and do not die, but retire a little from sight and afterwards return again.

One question that has challenged me for some 50 years, is where did Ali “retire” after parting with Wallace in Singapore in 1862? Did he return to his home in Sarawak? Did he return to the spice island of Ternate, where Wallace said he had a family?

First I was dying to finish high school and start college. And then I was dying to finish college and start working. And then I was dying to marry and have children. And then I was dying for my children to grow old enough for school so I could return to work. And then I was dying to retire. And now, I am dying... and suddenly I realize I forgot to live.

I should retire for the night," she said. "I know I make it look so effortless, but world domination is exhausting.

Instead, I fell back into the routines of family and harvest, which meant on the day I returned to a life of misadventure, I was locked in battle with the constant enemy of my retirement: my roof.

It is the secret of the world that all things subsist and do not die, but retire a little from sight and afterwards return again. Nothing is dead. People feign themselves dead, and endure mock funerals and mournful obituaries, and there they stand, looking out the window, sound and well in some new disguise. —Ralph Waldo Emerson

The story of liberalism, as liberals tell it, is rather like the legend of St. George and the dragon. After many centuries of hopelessness and superstition, St. George, in the guise of Rationality, appeared in the world somewhere about the sixteenth century. The first dragons upon whom he turned his lance were those of despotic kingship and religious intolerance. These battles won, he rested for a time, until such questions as slavery, or prison conditions, or the state of the poor, began to command his attention. During the nineteenth century, his lance was never still, prodding this way and that against the inert scaliness of privilege, vested interest, or patrician insolence. But, unlike St. George, he did not know when to retire. The more he succeeded, the more he became bewitched with the thought of a world free of dragons, and the less capable he became of ever returning to private life. He needed his dragons. He could only live by fighting for causes—the people, the poor, the exploited, the colonially oppressed, the underprivileged and the underdeveloped. As an ageing warrior, he grew breathless in his pursuit of smaller and smaller dragons—for the big dragons were now harder to come by.

While enjoying a month of fine weather at the sea-coast, I was thrown into the company of a most fascinating creature: a real goddess in my eyes, as long as she took no notice of me. I 'never told my love' vocally; still, if looks have language, the merest idiot might have guessed I was over head and ears: she understood me at last, and looked a return - the sweetest of all imaginable looks. And what did I do? I confess it with shame - shrunk icily into myself, like a snail; at every glance retired colder and farther; till finally the poor innocent was led to doubt her own senses, and, overwhelmed with confusion at her supposed mistake, persuaded her mamma to decamp. By this curious turn of disposition I have gained the reputation of deliberate heartlessness; how undeserved, I alone can appreciate.

I await the revises, and promise you not to 'make my quietus with a bare bodkin' till I have returned them. After that, I think of retiring. But first I would like to dine with you here. To leave life as one leaves a feast is not merely philosophy but romance.

For solitude sometimes is best society and short retirement urges sweet return.

No,” said a third student. “Novartis is a public company. It’s not the boss or the board who decides. It’s the shareholders. If the board changes its priorities the shareholders will just elect a new board.” “That’s right,” I said. “It’s the shareholders who want this company to spend their money on researching rich people’s illnesses. That’s how they get a good return on their shares.” So there’s nothing wrong with the employees, the boss, or the board, then. “Now, the question is”—I looked at the student who had first suggested the face punching—“who owns the shares in these big pharmaceutical companies?” “Well, it’s the rich.” He shrugged. “No. It’s actually interesting because pharmaceutical shares are very stable. When the stock market goes up and down, or oil prices go up and down, pharma shares keep giving a pretty steady return. Many other kinds of companies’ shares follow the economy—they do better or worse as people go on spending sprees or cut back—but the cancer patients always need treatment. So who owns the shares in these stable companies?” My young audience looked back at me, their faces like one big question mark. “It’s retirement funds.” Silence. “So maybe I don’t have to do any punching, because I will not meet the shareholders. But you will. This weekend, go visit your grandma and punch her in the face. If you feel you need someone to blame and punish, it’s the seniors and their greedy need for stable stocks.

More than 2,000 books are dedicated to how Warren Buffett built his fortune. Many of them are wonderful. But few pay enough attention to the simplest fact: Buffett’s fortune isn’t due to just being a good investor, but being a good investor since he was literally a child. As I write this Warren Buffett’s net worth is $84.5 billion. Of that, $84.2 billion was accumulated after his 50th birthday. $81.5 billion came after he qualified for Social Security, in his mid-60s. Warren Buffett is a phenomenal investor. But you miss a key point if you attach all of his success to investing acumen. The real key to his success is that he’s been a phenomenal investor for three quarters of a century. Had he started investing in his 30s and retired in his 60s, few people would have ever heard of him. Consider a little thought experiment. Buffett began serious investing when he was 10 years old. By the time he was 30 he had a net worth of $1 million, or $9.3 million adjusted for inflation.16 What if he was a more normal person, spending his teens and 20s exploring the world and finding his passion, and by age 30 his net worth was, say, $25,000? And let’s say he still went on to earn the extraordinary annual investment returns he’s been able to generate (22% annually), but quit investing and retired at age 60 to play golf and spend time with his grandkids. What would a rough estimate of his net worth be today? Not $84.5 billion. $11.9 million. 99.9% less than his actual net worth. Effectively all of Warren Buffett’s financial success can be tied to the financial base he built in his pubescent years and the longevity he maintained in his geriatric years. His skill is investing, but his secret is time. That’s how compounding works. Think of this another way. Buffett is the richest investor of all time. But he’s not actually the greatest—at least not when measured by average annual returns.

Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) 2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire. Name the time limit for its acquisition. State what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after rising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

The Jackal was perfectly aware that in 1963 General de Gaulle was not only the President of France; he was also the most closely and skilfully guarded figure in the Western world. To assassinate him, as was later proved, was considerably more difficult than to kill President John F. Kennedy of the United States. Although the English killer did not know it, French security experts who had through American courtesy been given an opportunity to study the precautions taken to guard the life of President Kennedy had returned somewhat disdainful of those precautions as exercised by the American Secret Service. The French experts rejection of the American methods was later justified when in November 1963 John Kennedy was killed in Dallas by a half-crazed and security-slack amateur while Charles de Gaulle lived on, to retire in peace and eventually to die in his own home.

This kind of living in the fantasy of expectation rather than the reality of the present is the special trouble of those business men who live entirely to make money. So many people of wealth understand much more about making and saving money than about using and enjoying it. They fail to live because they are always preparing to live. Instead of earning a living they are mostly earning an earning, and thus when the time comes to relax they are unable to do so. Many a “successful” man is bored and miserable when he retires, and returns to his work only to prevent a younger man from taking his place.

For women: In your autumn years, having a successful career behind you will be nothing compared to having a large family, with grandchildren and everything else that comes with it. This is also the best and most natural method for ensuring your retirement benefits — a few decades from now, your children and grandchildren will be far more inclined to take care of you than the rapidly crumbling European welfare states will. Besides, passing your genes on is a far worthier goal in life than slaving for some multinational corporation, which will forget all about you the second you retire. Furthermore, the plummeting birth rates of Europe must be reversed. Make sure to have at least three children, and raise them well. In this regard, the future of Europe rests squarely in your hands.

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

Let the glory of the empire goes to the crow. Just want to retire after twenty-five years of brawl. Give me a small farm in the wilderness to live. Keep me alive. I return to a lovely wife-to-be.

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

A group of Wall Street admirers created for Grant a $250,000 Presidential Retiring Fund, which would not only yield $15,000 in annual interest but reinforce his image as overly beholden to the rich. To supplement his income, Grant returned to his

it’s time to retire the morality play in which modern humans are a vile race of despoilers and plunderers who will hasten the apocalypse unless they undo the Industrial Revolution, renounce technology, and return to an ascetic harmony with nature.

No." Laurence said, "I mean to retire when we have returned. I have enough money to keep Temeraire now, and enough of a countenance to ask my brother to put us up on one of the farms." Or they might return to Australia, or to China. Temeraire has every right to ask that of him now that the war was won. Laurence did not mean to refuse him, he only hoped to go back to Wollaton Hall first and find a way to carry it with him somehow. He longed in a deep inward part for Britain, for home, and the house standing at twilight with all the windows lit. A child's memory of peace. He would even be grateful there for the counterfeit honors that had been heaped onto his head, if they gave his mother some peace, and his brother need not be ashamed to give him a field for Temeraire to sleep in, for a little while.

Virginia sent the possibly rather unusual message ‘She is an angel’ and signed it by the nickname we always gave her – ‘Goat’. This arrived ‘She is an aged Goat’ and soon after George returned crestfallen and miserable and retired to bed, suffering it was said from shock.

There needs to be a process of reintegration, whereby we return to the experiential world again. The parts, once seen, are subsumed again in the whole, as the musician's painful, conscious, fragmentation of the piece in practice is lost once again in the (now improved) performance. The part that has been under the spotlight is seen as part of a broader picture; what had to be conscious for a while becomes unconscious again; what needs to be implicit once again retires; the represented entity becomes once more present, and ‘lives’; and even language is given its final meaning by the right hemisphere's holistic pragmatics. So what begins in the right hemisphere's world is ‘sent’ to the left hemisphere's world for processing, but must be ‘returned’ to the world of the right hemisphere where a new synthesis can be made.

It is the secret of the world that all things subsist and do not die, but retire a little from sight and afterwards return again. Nothing is dead. People feign themselves dead, and endure mock funerals and mournful obituaries, and there they stand, looking out the window, sound and well in some new disguise.

But Rousseau — to what did he really want to return? Rousseau, this first modern man, idealist and rabble in one person — one who needed moral "dignity" to be able to stand his own sight, sick with unbridled vanity and unbridled self-contempt. This miscarriage, couched on the threshold of modern times, also wanted a "return to nature"; to ask this once more, to what did Rousseau want to return? I still hate Rousseau in the French Revolution: it is the world-historical expression of this duality of idealist and rabble. The bloody farce which became an aspect of the Revolution, its "immorality," is of little concern to me: what I hate is its Rousseauan morality — the so-called "truths" of the Revolution through which it still works and attracts everything shallow and mediocre. The doctrine of equality! There is no more poisonous poison anywhere: for it seems to be preached by justice itself, whereas it really is the termination of justice. "Equal to the equal, unequal to the unequal" — that would be the true slogan of justice; and also its corollary: "Never make equal what is unequal." That this doctrine of equality was surrounded by such gruesome and bloody events, that has given this "modern idea" par excellence a kind of glory and fiery aura so that the Revolution as a spectacle has seduced even the noblest spirits. In the end, that is no reason for respecting it any more. I see only one man who experienced it as it must be experienced, with nausea — Goethe. Goethe — not a German event, but a European one: a magnificent attempt to overcome the eighteenth century by a return to nature, by an ascent to the naturalness of the Renaissance — a kind of self-overcoming on the part of that century. He bore its strongest instincts within himself: the sensibility, the idolatry of nature, the anti-historic, the idealistic, the unreal and revolutionary (the latter being merely a form of the unreal). He sought help from history, natural science, antiquity, and also Spinoza, but, above all, from practical activity; he surrounded himself with limited horizons; he did not retire from life but put himself into the midst of it; he if was not fainthearted but took as much as possible upon himself, over himself, into himself. What he wanted was totality; he fought the mutual extraneousness of reason, senses, feeling, and will (preached with the most abhorrent scholasticism by Kant, the antipode of Goethe); he disciplined himself to wholeness, he created himself. In the middle of an age with an unreal outlook, Goethe was a convinced realist: he said Yes to everything that was related to him in this respect — and he had no greater experience than that ens realissimum [most real being] called Napoleon. Goethe conceived a human being who would be strong, highly educated, skillful in all bodily matters, self-controlled, reverent toward himself, and who might dare to afford the whole range and wealth of being natural, being strong enough for such freedom; the man of tolerance, not from weakness but from strength, because he knows how to use to his advantage even that from which the average nature would perish; the man for whom there is no longer anything that is forbidden — unless it be weakness, whether called vice or virtue. Such a spirit who has become free stands amid the cosmos with a joyous and trusting fatalism, in the faith that only the particular is loathesome, and that all is redeemed and affirmed in the whole — he does not negate anymore. Such a faith, however, is the highest of all possible faiths: I have baptized it with the name of Dionysus. 50 One might say that in a certain sense the nineteenth century also strove for all that which Goethe as a person had striven for: universality in understanding and in welcoming, letting everything come close to oneself, an audacious realism, a reverence for everything factual.

Lucius Quinctius Cincinnatus, for example, who more than two millennia later gave his name to the American city of Cincinnati, is supposed to have returned from semi-exile in the 450s BCE to become dictator and lead Roman armies to victory against their enemies before nobly retiring straight back to his farm without seeking further political glory.

The structure of the corporation is a telling case in point—and it is no coincidence that the first major joint-stock corporations in the world were the English and Dutch East India companies, ones that pursued that very same combination of exploration, conquest, and extraction as did the conquistadors. It is a structure designed to eliminate all moral imperatives but profit. The executives who make decisions can argue—and regularly do—that, if it were their own money, of course they would not fire lifelong employees a week before retirement, or dump carcinogenic waste next to schools. Yet they are morally bound to ignore such considerations, because they are mere employees whose only responsibility is to provide the maximum return on investment

Those who live in retirement, whose lives have fallen amid the seclusion of schools or of other walled-in and guarded dwellings, are liable to be suddenly and for a long while dropped out of the memory of their friends, the denizens of a freer world. Unaccountably, perhaps, and close upon some space of unusually frequent intercourse—some congeries of rather exciting little circumstances, whose natural sequel would rather seem to be the quickening than the suspension of communication—there falls a stilly pause, a wordless silence, a long blank of oblivion. Unbroken always is this blank; alike entire and unexplained. The letter, the message once frequent, are cut off; the visit, formerly periodical, ceases to occur; the book, paper, or other token that indicated remembrance, comes no more. Always there are excellent reasons for these lapses, if the hermit but knew them. Though he is stagnant in his cell, his connections without are whirling in the very vortex of life. That void interval which passes for him so slowly that the very clocks seem at a stand, and the wingless hours plod by in the likeness of tired tramps prone to rest at milestones—that same interval, perhaps, teems with events, and pants with hurry for his friends. The hermit—if he be a sensible hermit—will swallow his own thoughts, and lock up his own emotions during these weeks of inward winter. He will know that Destiny designed him to imitate, on occasion, the dormouse, and he will be conformable: make a tidy ball of himself, creep into a hole of life's wall, and submit decently to the drift which blows in and soon blocks him up, preserving him in ice for the season. Let him say, "It is quite right: it ought to be so, since so it is." And, perhaps, one day his snow-sepulchre will open, spring's softness will return, the sun and south-wind will reach him; the budding of hedges, and carolling of birds and singing of liberated streams will call him to kindly resurrection. Perhaps this may be the case, perhaps not: the frost may get into his heart and never thaw more; when spring comes, a crow or a pie may pick out of the wall only his dormouse-bones. Well, even in that case, all will be right: it is to be supposed he knew from the first he was mortal, and must one day go the way of all flesh, As well soon as syne.

From Desire to Reality in Six Easy Steps Six definite practical steps to transform a burning desire into reality. Fix in your mind an exact picture of what you desire. It's not sufficient merely to say, for example, "I want plenty of money." Be definite as to the amount. Determine exactly what you intend to give in return for the thing you desire. There's no such reality as something for nothing. Establish a definite date by which you intend to possess the desired thing. Create a definite plan for carrying out your desire and begin at once, whether you feel entirely ready or not to put this plan into action. Write out a clear, concise statement of your responses to the preceding four steps. Read your written statement aloud twice daily. Once after arising in the morning and once just before retiring at night. As you read, see and feel and believe yourself already in possession of whatever your goal happens to be. "Through some strange and powerful principle of mental chemistry, nature wraps up in the impulse [of a] strong desire that something which recognizes no such word as impossible and accepts no such reality as failure." - Napoleon Hill

On his return lo Langley, there would be medals, a promotion, choice of assignments, but in reality his career would be over. He would be considered too burned coverwise and too burned out psychologically. By then, he daydreamed, Dominika might be finished at SVR and would be ready to retire and disappear into idyllic resettlement with Nate. It was a hell of a long way around to finally start a new life together, but it would be worth the wait.

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

Then she sent Schweik for lunch and wine. And before he returned, she put on a filmy gown which made her extremely attractive and alluring. At lunch she drank a bottle of wine and smoked several Memphis cigarettes. And while Schweik was in the kitchen feasting on army bread which he soaked in a glass of brandy she retired to rest. "Schweik," she shouted from the bedroom. "Schweik!" Schweik opened the door and beheld the young lady in an enticing attitude among the cushions. "Come here." He stepped up to the bed, and with a peculiar smile she scrutinized his sturdy build. Then, she pulled aside the thin covering which had hitherto concealed her person. And so it came about that when the lieutenant returned from the barracks, the good soldier Schweik was able to inform him: "Beg to report, sir, I carried out all the lady's wishes and treated her courteously, just as you instructed me." "Thank you, Schweik," said the lieutenant. "And did she want many things done?" "About six," replied Schweik.

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

THE cadets came to their feet and the stadium erupted in a cheer that must have been heard all the way to Denver. Day marched the POWs to the center of the field, where they halted, pivoted, and faced the cadets. Risner ordered, “Present arms,” and the POWs saluted the cadets. The cadets popped to attention and returned the salute. In that frozen moment, nothing was said. But much was understood. Cadets barely in their twenties and long-retired officers in their seventies were joined across a half century.

There was nothing average about Mack’s subsequent managerial career, though. During his final three years in Pittsburgh, Mack served as a player-manager. After a four-year hiatus from the game, he returned in 1901 to manage the brand-new Philadelphia Athletics, a charter member of the American League. The man from East Brookfield, Massachusetts, would guide the A’s for their first fifty—yes, fifty—years. Connie Mack spent a total of sixty-one years in Major League Baseball, finally retiring at the age of eighty-eight.

It's curious that the Church has become the most tightfisted at the very time in history when God has provided most generously. There's considerable talk about the end of the age, and many people seem to believe that Christ will return in their lifetime. But why is it that expecting Christ's return hasn't radically influenced our giving? Why is it that people who believe in the soon return of Christ are so quick to build their own financial empires--which prophecy tells us will perish--and so slow to build God's kingdom?

1. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) 2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire. Name the time limit for its acquisition. State what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after rising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

Well, buying an annuity means you give the insurance company a lump sum—say, $500,000 at age 60—and in return you get a guaranteed monthly payout (for example, $2,400 each month) for the rest of your life, however long that happens to be. Like all insurance, annuities aren’t free—insurance companies have to make money to stay in business!—but if your goal is to maximize the life experiences you can buy with the money you’ve earned, they’re a very sensible solution. That’s partly because, even after the insurance company’s fees, your monthly payouts amount to more than you would probably be willing to pay yourself if you wanted to make sure you didn’t outlive your money. For example, one popular rule of thumb for retirement spending is the “4 percent rule,” whereby you withdraw 4 percent from your savings each year of retirement. Well, with annuities, your annual payouts will probably amount to more than 4 percent of what you put into the annuity—and, unlike the 4 percent withdrawals, those payouts are guaranteed to continue for the rest of your life.

Thanks for not killing me,” Rachael said presently. “Hell, as you said, you’ve only got two years of life left, anyhow. And I’ve got fifty. I’ll live twenty-five times as long as you.” “But you really look down on me,” Rachael said. “For what I did.” Assurance had returned to her; the litany of her voice picked up pace. “You’ve gone the way of the others. The bounty hunters before you. Each time they get furious and talk wildly about killing me, but when the time comes they can’t do it. Just like you, just now.” She lit a cigarette, inhaled with relish. “You realize what this means, don’t you? It means I was right; you won’t be able to retire any more androids; it won’t be just me, it’ll be the Batys and Stratton, too. So go on home to your goat. And get some rest.” Suddenly she brushed at her coat, violently. “Yife! I got a burning ash from my cigarette—there, it’s gone.” She sank back against the seat, relaxing. He said nothing. “That goat,” Rachael said. “You love the goat more than me. More than you love your wife, probably. First the goat, then your wife, then last of all—” She laughed merrily. “What can you do but laugh?

For Jinnah, Partition was a constitutional way out of a political stalemate, as he saw it, and not the beginning of a permanent state of hostility between two countries or two nations. This explains his expectation that India and Pakistan would live side by side ‘like the United States and Canada’, obviously with open borders, free flow of ideas and free trade. It is also the reason why Pakistan’s Quaid-i-Azam insisted that his Malabar Hill house in Bombay be kept as it was so that he could return to the city where he lived most of his life after retiring as Governor-General of Pakistan.

For many reasons, it’s time to retire the morality play in which modern humans are a vile race of despoilers and plunderers who will hasten the apocalypse unless they undo the Industrial Revolution, renounce technology, and return to ascetic harmony with nature. Instead, we can treat environmental protection as a problem to be solved: how can people live safe, comfortable, and stimulating lives with the least possible pollution and loss of natural habitats? Far from licensing complacency, our progress so far at solving the problem emboldens us to strive for more. It also points to the forces that pushed this progress along.

The Victorian lady used regularly to retire for a ‘rest’ in the afternoon. She needed to do so because convention demanded that she should constantly be empathically alert to the needs of others without regard to any needs of her own. Her afternoon rest allowed her to recuperate from the social role of dutiful listener and ministering angel; a role which allowed no scope for self-expression. Even Florence Nightingale, who was far from being merely a ministering angel, found that the only way in which she could study and write was to develop a neurotic illness which released her from the burden of household duties and enabled her to retire to the solitude of the bedroom.

The Montreux Palace Hotel was built in an age when it was thought that things would last. It is on the very shores of Switzerland's Lake Geneva, its balconies and iron railings look across the water, its yellow-ocher awnings are a touch of color in the winter light. It is like a great sanitarium or museum. There are Bechstein pianos in the public rooms, a private silver collection, a Salon de Bridge. This is the hotel where the novelist Vladimir Vladimirovich Nabokov and his wife, Véra, live. They have been here for 14 years. One imagines his large and brooding reflection in the polished glass of bookcases near the reception desk where there are bound volumes of the Illustrated London News from the year 1849 to 1887, copies of Great Expectations, The Chess Games of Greco and a book called Things Past, by the Duchess of Sermoneta. Though old, the hotel is marvelously kept up and, in certain portions, even modernized. Its business now is mainly conventions and, in the summer, tours, but there is still a thin migration of old clients, ancient couples and remnants of families who ask for certain rooms when they come and sometimes certain maids. For Nabokov, a man who rode as a child on the great European express trains, who had private tutors, estates, and inherited millions which disappeared in the Russian revolution, this is a return to his sources. It is a place to retire to, with Visconti's Mahler and the long-dead figures of La Belle Epoque, Edward VII, d'Annunzio, the munitions kings, where all stroll by the lake and play miniature golf, home at last.

No." Laurence said, "I mean to retire when we have returned. I have enough money to keep Temeraire now, and enough of a countenance to ask my brother to put us up on one of the farms." Or they might return to Australia, or to China. Temeraire has every right to ask that of him now that the war was won. Laurence did not mean to refuse him, he only hoped to go back to Wollaton Hall first and find a way to carry it with him somehow. He longed in a deep inward part for Britain, for home, and the house standing at twilight with all the windows lit. A child's memory of peace. He would even be grateful there for the counterfeit honors that had been heaped onto his head, if they gave his mother some peace, and his brother need not be ashamed to give him a field for Temeraire to sleep in, for a little while.

Men seek retreats for themselves, houses in the country, seashores, and mountains; and you, too, are wont to desire such things very much. But this is altogether a mark of the most common sort of men, for it is in your power whenever you choose to retire into yourself. For there is no retreat that is quieter or freer from trouble than a man's own soul, especially when he has within him such thoughts that by looking into them he is immediately in perfect tranquility; and tranquility is nothing else than the good ordering of the mind. Constantly then give to yourself this retreat, and renew yourself; and let your principles be brief and fundamental, which, as soon as you recur to them, will be sufficient to cleanse the soul completely, and to send you back free from all discontent with the the things to which you return.

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

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

They'd managed to make it through the room without waking the maid, and all the way to the top of the stairs before the next problem had arisen in the form of the women returning from the ball and entering the foyer below. In a panic, Daniel and Richard had rushed back along the upper hall, and then ducked into this room to wait for the way to be clear. "We'd best move while we have the chance," Richard said behind him. "Once they have Christiana in bed, the girls will no doubt seek their own rooms and this could be one of them." Daniel nodded and eased the door open to check the hall. When a quick glance in both directions showed it to be empty, he pulled the door wide and stepped out of the way for Richard to lead with his burden. He then started to follow, but had barely taken a step when Richard suddenly whirled back toward him. Caught by surprise, Daniel was slow to react. Before he could, Richard cursed, and suddenly thrust George's body on him. Pure instinct made Daniel grab at the blanket-encased corpse. He then found himself stumbling back under a push from Richard, a very stiff George caught to his chest in some sort of macabre dance as the door closed leaving him alone in the dark room. Regaining his footing, Daniel stood absolutely still in the lightless chamber, simply listening as he tried to figure out why Richard hadn't followed him into the room. He relaxed a little when he heard the other man's voice muffled through the door, saying, "Ladies.Might I convince you both to join me in my office for a drink before you retire?" Daniel adjusted the hold he had on George, but it helped little. The man was stiff as a board and unbending. He may as well have been a life-sized statue.

What I didn’t want: a low-octane life of draining jobs, counting the days till I’d have time to mow the lawn again, counting the weeks till I could afford some plastic, beach-chair vacation, counting the years till retirement when I’d be too old to enjoy it. I was from a place built off those blueprints, where sprinklers went off in the morning and whole neighborhoods became ghost towns during work hours. I’d look out at all those empty houses, the exhausted adults returning home, the whole sorry bunch living at low throttle, and it seemed like death. I wanted to see the stars over Kilimanjaro, the sunrise after sleeping at the base of a killer range, to breathe powder. You can stand on the peak of the world, knowing you’re about to drop into the mouth of a canyon sculpted by wind, and if you die, at least you die by your own rules. That’s why I gave my life to extreme sports.

I do not know how you have done this to me. I thought that if I returned the help you had given me that I would be free of the inexplicable influence you have over me. But it does not seem to be working, and you say you cannot break the thread." Mari realized that her mouth had fallen open as she stared at Mage Alain. "Are you serious?" "What would I be if not serious?" "You're saying that I put a spell on you that controls your thoughts and actions?" "Why else am I here?" The Mage asked. "Because it was the right thing to do!" "The...what? I am still uncertain about what right thing means—" the trace of puzzlement had retired to him. "Listen...Mage Alain! I don't...put spells on boys! Or men! Or anybody! I have no idea why you think that you are thinking about me, but I assure you that it has nothing to do with me thinking about you or making you think that you want to think about me!

Simultaneously with his doing so, his old schoolmaster lost (through stupidity or otherwise) the establishment over which he had hitherto presided, and in which he had set so much store by silence and good behaviour. Grief drove him to drink, and when nothing was left, even for that purpose, he retired — ill, helpless, and starving — into a broken-down, cheerless hovel. But certain of his former pupils — the same clever, witty lads whom he had once been wont to accuse of impertinence and evil conduct generally — heard of his pitiable plight, and collected for him what money they could, even to the point of selling their own necessaries. Only Chichikov, when appealed to, pleaded inability, and compromised with a contribution of a single piatak [*silver five kopeck piece]: which his old schoolfellows straightway returned him — full in the face, and accompanied with a shout of “Oh, you skinflint!

III. They seek for themselves private retiring places, as country villages, the sea-shore, mountains; yea thou thyself art wont to long much after such places. But all this thou must know proceeds from simplicity in the highest degree. At what time soever thou wilt, it is in thy power to retire into thyself, and to be at rest, and free from all businesses. A man cannot any whither retire better than to his own soul; he especially who is beforehand provided of such things within, which whensoever he doth withdraw himself to look in, may presently afford unto him perfect ease and tranquillity. By tranquillity I understand a decent orderly disposition and carriage, free from all confusion and tumultuousness. Afford then thyself this retiring continually, and thereby refresh and renew thyself. Let these precepts be brief and fundamental, which as soon as thou dost call them to mind, may suffice thee to purge thy soul throughly, and to send thee away well pleased with those things whatsoever they be, which now again after this short withdrawing of thy soul into herself thou dost return unto. For what is it that thou art offended at? Can it be at the wickedness of men, when thou dost call to mind this conclusion, that all reasonable creatures are made one for another? and that it is part of justice to bear with them? and that it is against their wills that they offend? and how many already, who once likewise prosecuted their enmities, suspected, hated, and fiercely contended, are now long ago stretched out, and reduced unto ashes? It is time for thee to make an end. As for those things which among the common chances of the world happen unto thee as thy particular lot and portion, canst thou be displeased with any of them, when thou dost call that our ordinary dilemma to mind, either a providence, or Democritus his atoms; and with it, whatsoever we brought to prove that the whole world is as it were one city? And as for thy body, what canst thou fear, if thou dost consider that thy mind and understanding, when once it hath recollected itself, and knows its own power, hath in this life and breath (whether it run smoothly and gently, or whether harshly and rudely), no interest at all, but is altogether indifferent: and whatsoever else thou hast heard and assented unto concerning either pain or pleasure? But the care of thine honour and reputation will perchance distract thee? How can that be, if thou dost look back, and consider both how quickly all things that are, are forgotten, and what an immense chaos of eternity was before, and will follow after all things: and the vanity of praise, and the inconstancy and variableness of human judgments and opinions, and the narrowness of the place, wherein it is limited and circumscribed? For the whole earth is but as one point; and of it, this inhabited part of it, is but a very little part; and of this part, how many in number, and what manner of men are they, that will commend thee? What remains then, but that thou often put in practice this kind of retiring of thyself, to this little part of thyself; and above all things, keep thyself from distraction, and intend not anything vehemently, but be free and consider all things, as a man whose proper object is Virtue, as a man whose true nature is to be kind and sociable, as a citizen, as a mortal creature. Among other things, which to consider, and look into thou must use to withdraw thyself, let those two be among the most obvious and at hand. One, that the things or objects themselves reach not unto the soul, but stand without still and quiet, and that it is from the opinion only which is within, that all the tumult and all the trouble doth proceed. The next, that all these things, which now thou seest, shall within a very little while be changed, and be no more: and ever call to mind, how many changes and alterations in the world thou thyself hast already been an eyewitness of in thy time. This world is mere change, and this life, opinion.

They seek for themselves private retiring places, as country villages, the sea-shore, mountains; yea thou thyself art wont to long much after such places. But all this thou must know proceeds from simplicity in the highest degree. At what time soever thou wilt, it is in thy power to retire into thyself, and to be at rest, and free from all businesses. A man cannot any whither retire better than to his own soul; he especially who is beforehand provided of such things within, which whensoever he doth withdraw himself to look in, may presently afford unto him perfect ease and tranquillity.... free from all confusion and tumultuousness. Afford then thyself this retiring continually, and thereby refresh and renew thyself. Let these precepts be brief and fundamental, which as soon as thou dost call them to mind, may suffice thee to purge thy soul throughly, and to send thee away well pleased with those things whatsoever they be, which now again after this short withdrawing of thy soul into herself thou dost return unto.

... nature did not make us to feel too good for too long (which would be no good for the survival of the species) but only to feel good enough to imagine, erroneously, that someday we might feel good all the time. To believe that humanity will ever live in a feel-good world is a common mistake. And if we do not feel good, we should act as if we do. If you act happy, then you will become happy—everybody in the workaday world knows that. If you do not improve, then someone must assume the blame. And that someone will be you. We are on our way to the future, and no introverted melancholic is going to impede our progress. You have two choices: start thinking the way God and your society want you to think or be forsaken by all. The decision is yours, since you are a free agent who can choose to rejoin the world of fabricated reality—civilization, that is—or stubbornly insist on . . . what? That we should rethink how the whole world transacts its business? That we should start over from scratch, questioning all the ways and means that delivered us to a lofty prominence over the amusement park of creation? Try to be realistic. We made our world just the way nature and the Lord wanted us to make it. There is no starting over and no going back. No major readjustments are up for a vote. And no nihilistic head case is going to get a bad word in edgewise. The universe was created by the Creator, goddamn it. We live in a country we love and that loves us back. We have families and friends and jobs that make it all worthwhile. We are somebodies, as we spin upon this good earth, not a bunch of nobodies without names or numbers or retirement plans. None of this is going to become unraveled by a thought criminal who contends that the world is not double plus good and never will be and who believes that anyone is better off dead than alive. Our lives may not be unflawed—that would deny us a future to work toward—but if this charade is good enough for us, then it should be good enough for you. So if you cannot get your mind right, try walking away. You will find no place to go and no one who will have you. You will find only the same old trap the world over. It is the trap of tomorrow. Love it or leave it—choose which and choose fast. You will never get us to give up our hopes, demented as they may seem. You will never get us to wake up from our dreams. Your opinions are not certified by institutions of authority or by the middling run of humanity, and therefore whatever thoughts may enter your chemically imbalanced brain are invalid, inauthentic, or whatever dismissive term we care to assign to you who are only “one of those people.” So get the hell out if you can. But we are betting that when you start hurting badly enough, you will come running back. If you are not as strong as Samson— that no-good suicide and slaughterer of Philistines—then you will return to the trap. Do you think we are morons? We have already thought everything that you have thought. The only difference is that we have the proper and dignified sense of futility not to spread that nasty news. Our shibboleth: “Up the Conspiracy and down with Consciousness.

There was once a businessman who was sitting by the beach in a small Brazilian village. As he sat, he saw a Brazilian fisherman rowing a small boat toward the shore having caught quite a few big fish. The businessman was impressed and asked the fisherman, “How long does it take you to catch so many fish?” The fisherman replied, “Oh, just a short while.” “Then why don’t you stay longer at sea and catch even more?” The businessman was astonished. “This is enough to feed my whole family,” the fisherman said. The businessman then asked, “So, what do you do for the rest of the day?” The fisherman replied, “Well, I usually wake up early in the morning, go out to sea and catch a few fish, then go back and play with my kids. In the afternoon, I take a nap with my wife, and [when] evening comes, I join my buddies in the village for a drink—we play guitar, sing and dance throughout the night.” The businessman offered a suggestion to the fisherman. “I am a PhD in business management. I could help you to become a more successful person. From now on, you should spend more time at sea and try to catch as many fish as possible. When you have saved enough money, you could buy a bigger boat and catch even more fish. Soon you will be able to afford to buy more boats, set up your own company, your own production plant for canned food and distribution network. By then, you will have moved out of this village and to São Paulo, where you can set up an HQ to manage your other branches.” The fisherman continues, “And after that?” The businessman laughs heartily. “After that, you can live like a king in your own house, and when the time is right, you can go public and float your shares in the Stock Exchange, and you will be rich.” The fisherman asks, “And after that?” The businessman says, “After that, you can finally retire, you can move to a house by the fishing village, wake up early in the morning, catch a few fish, then return home to play with [your] kids, have a nice afternoon nap with your wife, and when evening comes, you can join your buddies for a drink, play the guitar, sing and dance throughout the night!” The fisherman was puzzled. “Isn’t that what I am doing now?

In 1934, they sent Wall Street broker Gerald MacGuire to Europe to see how fascist leaders had mobilized veterans to enable them to seize power. When MacGuire returned, he tried to recruit retired U.S. Marine major general Smedley Butler to lead a similar paramilitary coup against FDR. MacGuire claimed to represent U.S. financial interests and to have $6 million to put behind the effort. Butler alerted the authorities and the attempt failed, but fascism had shown anti–New Dealers a way to marry their ideology to popular political activism. Get people fighting first and they can be led toward right-wing politics next. In America the hallmark of budding fascism was not intellectuals discussing how to take power; it was populist violence.[1] There was a straight line from the anti–New Deal violence of the 1930s to the street brawlers at Charlottesville. Since the 1950s, opponents of the liberal consensus had urged supporters to think of themselves as heroic, individualistic cowboys who had not only the right but also the duty to protect their families from the alleged socialism of the government. That

To have continually at one's side a woman, a daughter, a sister, a charming being, who is there because you need her and because she cannot do without you; to know that we are indispensable to a person who is necessary to us; to be able to incessantly measure one's affection by the amount of her presence which she bestows on us, and to say to ourselves, "Since she consecrates the whole of her time to me, it is because I possess the whole of her heart"; to behold her thought in lieu of her face; to be able to verify the fidelity of one being amid the eclipse of the world; to regard the rustle of a gown as the sound of wings; to hear her come and go, retire, speak, return, sing, and to think that one is the centre of these steps, of this speech; to manifest at each instant one's personal attraction, to feel one's self all the more powerful because of one's infirmity; to become in one's obscurity, and through one's obscurity, the star around which this angel gravitates, --few felicities equal this. The supreme happiness of life consists in the conviction that one is loved; loved for one's own sake -- let us say rather, loved in spite of one's self.

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

Well, now, if we’d known we were going to have such…ah…gra…that is, illustrious company, we’d have-“ “Swept off the chairs?” Lucinda suggested acidly. “Shoveled off the floor?” “Lucinda!” Elizabeth whispered desperately. “They didn’t know we were coming.” “No respectable person would dwell in such a place even for a night,” she snapped, and Elizabeth watched in mingled distress and admiration as the redoubtable woman turned around and directed her attack on their unwilling host. “The responsibility for our being here is yours, whether it was a mistake or not! I shall expect you to rout your servants from their hiding places and have them bring clean linens up to us at once. I shall also expect them to have this squalor remedied by morning! It is obvious from your behavior that you are no gentleman; however, we are ladies, and we shall expect to be treated as such.” From the corner of her eye Elizabeth had been watching Ian Thornton, who was listening to all of this, his jaw rigid, a muscle beginning to twitch dangerously in the side of his neck. Lucinda, however, was either unaware of or unconcerned with his reaction, for, as she picked up her skirts and turned toward the stairs, she turned on Jake. “You may show us to our chambers. We wish to retire.” “Retire!” cried Jake, thunderstruck. “But-but what about supper?” he sputtered. “You may bring it up to us.” Elizabeth saw the blank look on Jake’s face, and she endeavored to translate, politely, what the irate woman was saying to the startled red-haired man. “What Miss Throckmorton-Jones means is that we’re rather exhausted from our trip and not very good company, sir, and so we prefer to dine in our rooms.” “You will dine,” Ian Thornton said in an awful voice that made Elizabeth freeze, “on what you cook for yourself, madam. If you want clean linens, you’ll get them yourself from the cabinet. If you want clean rooms, clean them! Am I making myself clear?” “Perfectly!” Elizabeth began furiously, but Lucinda interrupted in a voice shaking with ire: “Are you suggesting, sirrah, that we are to do the work of servants?” Ian’s experience with the ton and with Elizabeth had given him a lively contempt for ambitious, shallow, self-indulgent young women whose single goal in life was to acquire as many gowns and jewels as possible with the least amount of effort, and he aimed his attack at Elizabeth. “I am suggesting that you look after yourself for the first time in your silly, aimless life. In return for that, I am willing to give you a roof over your head and to share our food with you until I can get you to the village. If that is too overwhelming a task for you, then my original invitation still stands: There’s the door. Use it!” Elizabeth knew the man was irrational, and it wasn’t worth riling herself to reply to him, so she turned instead to Lucinda. “Lucinda,” she said with weary resignation, “do not upset yourself by trying to make Mr. Thornton understand that his mistake has inconvenienced us, not the other way around. You will only waste your time. A gentleman of breeding would be perfectly able to understand that he should be apologizing instead of ranting and raving. However, as I told you before we came here, Mr. Thornton is no gentleman. The simple fact is that he enjoys humiliating people, and he will continue trying to humiliate us for as long as we stand here.” Elizabeth cast a look of well-bred disdain over Ian and said, “Good night, Mr. Thornton.” Turning, she softened her voice a little and said, “Good evening, Mr. Wiley.

Bell treated his friend and colleague Watson generously. Though he had no legal obligations to do so, he awarded Watson 10 percent of the company, allowing Watson to retire rich at the age of just twenty-seven. Able to do anything he wanted, Watson devoted the rest of his life to just that. He traveled the world, read widely, and took a degree in geology at MIT for the simple satisfaction of improving his brain. He then started a shipyard, which quickly grew to employ four thousand men, producing a scale of stress and obligation way beyond anything he wished for, so he sold the business, converted to Islam, and became a follower of Edward Bellamy, a radical philosopher and quasi communist who for a short period in the 1880s enjoyed phenomenal esteem and popularity. Tiring of Bellamy, Watson moved to England in early middle age and took up acting, for which he showed an unexpected talent. He proved particularly adept at Shakespearean roles and performed many times at Stratford-upon-Avon before returning to America and a life of quiet retirement. He died, contented and rich, at his winter home on Pass-Grille Key, Florida, just shy of his eighty-first birthday in 1934.

Your written statement of your purpose should be similar to the following: “By the first day of January, 19…, I will have in my possession $ 50,000, which will come to me in various amounts from time to time during the interim. “In return for this money I will give the most efficient service of which I am capable, rendering the fullest possible quantity, and the best possible quality of service in the capacity of salesman of . . . . . . . . (describe the service or merchandise you intend to sell). “I believe that I will have this money in my possession. My faith is so strong that I can now see this money before my eyes. I can touch it with my hands. It is now awaiting transfer to me at the time, and in the proportion that I deliver the service I intend to render in return for it. I am awaiting a plan by which to accumulate this money, and I will follow that plan, when it is received.” Second. Repeat this program night and morning until you can see, (in your imagination) the money you intend to accumulate. Third. Place a written copy for your statement where you can see it night and morning, and read it just before retiring, and upon arising until it has been memorized.

Nonconformity is an affront to those in the mainstream. Our impulse is to dismiss this lifestyle, create reasons why it can’t work, why it doesn’t even warrant consideration. Why not? Living outdoors is cheap and can be afforded by a half year of marginal employment. They can’t buy things that most of us have, but what they lose in possessions, they gain in freedom. In Somerset Maugham’s The Razor’s Edge, lead character Larry returns from the First World War and declares that he would like to “loaf.”23 The term “loafing” inadequately describes the life he would spend traveling, studying, searching for meaning, and even laboring. Larry meets with the disapproval of peers and would-be mentors: “Common sense assured…that if you wanted to get on in this world, you must accept its conventions, and not to do what everybody else did clearly pointed to instability.” Larry had an inheritance that enabled him to live modestly and pursue his dreams. Larry’s acquaintances didn’t fear the consequences of his failure; they feared his failure to conform. I’m no maverick. Upon leaving college I dove into the workforce, eager to have my own stuff and a job to pay for it. Parents approved, bosses gave raises, and my friends could relate. The approval, the comforts, the commitments wound themselves around me like invisible threads. When my life stayed the course, I wouldn’t even feel them binding. Then I would waiver enough to sense the growing entrapment, the taming of my life in which I had been complicit. Working a nine-to-five job took more energy than I had expected, leaving less time to pursue diverse interests. I grew to detest the statement “I am a…” with the sentence completed by an occupational title. Self-help books emphasize “defining priorities” and “staying focused,” euphemisms for specialization and stifling spontaneity. Our vision becomes so narrow that risk is trying a new brand of cereal, and adventure is watching a new sitcom. Over time I have elevated my opinion of nonconformity nearly to the level of an obligation. We should have a bias toward doing activities that we don’t normally do to keep loose the moorings of society. Hiking the AT is “pointless.” What life is not “pointless”? Is it not pointless to work paycheck to paycheck just to conform? Hiking the AT before joining the workforce was an opportunity not taken. Doing it in retirement would be sensible; doing it at this time in my life is abnormal, and therein lay the appeal. I want to make my life less ordinary.

The time-staggered nature of the industrialization process—from Britain to Germany to Russia and northwestern Europe and Japan to Korea to Canada and Spain—combined with the steadily accelerating nature of that process, means that much of the world’s population faces mass retirements followed by population crashes at roughly the same time. The world’s demographic structure passed the point of no return twenty to forty years ago. The 2020s are the decade when it all breaks apart. For countries as varied as China, Russia, Japan, Germany, Italy, South Korea, Ukraine, Canada, Malaysia, Taiwan, Romania, the Netherlands, Belgium, and Austria, the question isn’t when these countries will age into demographic obsolescence. All will see their worker cadres pass into mass retirement in the 2020s. None have sufficient young people to even pretend to regenerate their populations. All suffer from terminal demographics. The real questions are how and how soon do their societies crack apart? And do they deflate in silence or lash out against the dying of the light? Coming up behind them—rapidly—is another cadre of countries whose birth rates have dropped even faster, and so who will face a similar demographic disintegration in the 2030s and 2040s: Brazil, Spain, Thailand, Poland, Australia, Cuba, Greece, Portugal, Hungary, and Switzerland.

Let us remark by the way, that to be blind and to be loved, is, in fact, one of the most strangely exquisite forms of happiness upon this earth, where nothing is complete. To have continually at one's side a woman, a daughter, a sister, a charming being, who is there because you need her and because she cannot do without you; to know that we are indispensable to a person who is necessary to us; to be able to incessantly measure one's affection by the amount of her presence which she bestows on us, and to say to ourselves, "Since she consecrates the whole of her time to me, it is because I possess the whole of her heart"; to behold her thought in lieu of her face; to be able to verify the fidelity of one being amid the eclipse of the world; to regard the rustle of a gown as the sound of wings; to hear her come and go, retire, speak, return, sing, and to think that one is the centre of these steps, of this speech; to manifest at each instant one's personal attraction; to feel one's self all the more powerful because of one's infirmity; to become in one's obscurity, and through one's obscurity, the star around which this angel gravitates,—few felicities equal this. The supreme happiness of life consists in the conviction that one is loved; loved for one's own sake—let us say rather, loved in spite of one's self; this conviction the blind man possesses. To be served in distress is to be caressed.

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

Eteocles having gotten possession of the throne of Thebes, deprived his brother Polynices of his share; but he having come as an exile to Argos, married the daughter of the king Adrastus; but ambitious of returning to his country, and having persuaded his father-in-law, he assembled a great army for Thebes against his brother. His mother Jocasta made him come into the city, under sanction of a truce, and first confer with his brother respecting the empire. But Eteocles being violent and fierce from having possessed the empire, Jocasta could not reconcile her children.—Polynices, prepared as against an enemy, rushed out of the city. Now Tiresias prophesied that victory should be on the side of the Thebans, if Menœceus the son of Creon would give himself up to be sacrificed to Mars. Creon refused to give his son to the city, but the youth was willing, and, his father pointing out to him the means of flight and giving him money, he put himself to death.—The Thebans slew the leaders of the Argives. Eteocles and Polynices in a single combat slew each other, and their mother having found the corses of her sons laid violent hands on herself; and Creon her brother received the kingdom. The Argives defeated in battle retired. But Creon, being morose, would not give up those of the enemy who had fallen at Thebes, for sepulture, and exposed the body of Polynices without burial, and banished Œdipus from his country; in the one instance disregarding the laws of humanity, in the other giving way to passion, nor feeling pity for him after his calamity.

Elizabeth,” he said, trying not to laugh. “At a wedding reception, the guests cannot leave until the bride and groom retire. If you look over there, you’ll notice my great-aunts are already nodding in their chairs.” “Oh!” she exclaimed, instantly contrite. “I didn’t know. Why didn’t you tell me earlier?” “Because,” he said, taking her elbow and beginning to guide her from the ballroom, “I wanted you to enjoy every minute of our ball, even if we had to prop the guests up on the shrubbery.” “Speaking of shrubbery,” she teased, pausing on the balcony to cast a last fond look at the “arbor” of potted trees with silk blossoms that occupied one-fourth the length of the entire ballroom, “everyone is talking about having gardens and arbors as themes for future balls. I think you’ve stared a new ‘rage.’” “You should have seen your face,” he teased, drawing her away, “when you recognized what I had done.” “We are probably the only couple,” she returned her face turned up to his in laughing conspiracy, “ever to lead off a ball by dancing a waltz on the sidelines.” When the orchestra had struck up the opening waltz, Ian had led her into the mock “arbor,” and they had started the ball from there. “Did you mind?” “You know I didn’t,” she returned, walking beside him up the curving staircase. He stopped outside her bed chamber, opened the door for her, and started to pull her into his arms, then checked himself as a pair of servants came marching down the hall bearing armloads of linens. “There’s time for this later,” he whispered. “All the time we want.

Discovery first flew in 1984, the third orbiter to join the fleet. It was named for one of the ships commanded by Captain James Cook. Space shuttle Discovery is the most-flown orbiter; today will be its thirty-ninth and final launch. By the end of this mission, it will have flown a total of 365 days in space, making it the most well traveled spacecraft in history. Discovery was the first orbiter to carry a Russian cosmonaut and the first to visit the Russian space station Mir. On that flight, in 1995, Eileen Collins became the first woman to pilot an American spacecraft. Discovery flew twelve of the thirty-eight missions to assemble the International Space Station, and it was responsible for deploying the Hubble Space Telescope in 1990. This was perhaps the most far reaching accomplishment of the shuttle program, as Hubble has been called the most important telescope in history and one of the most significant scientific instruments ever invented. It has allowed astronomers to determine the age of the universe, postulate how galaxies form, and confirm the existence of dark energy, among many other discoveries. Astronomers and astrophysicists, when they are asked about the significance of Hubble, will simply say that it has rewritten the astronomy books. In the retirement process, Discovery will be the “vehicle of record,” being kept as intact as possible for future study. Discovery was the return-to-flight orbiter after the loss of Challenger and then again after the loss of Columbia. To me, this gives it a certain feeling of bravery and hope. ‘Don’t worry,’ Discovery seemed to tell us by gamely rolling her snow-white self out to the launchpad. 'Don’t worry, we can still dream of space. We can still leave the earth.’ And then she did.

To prove to an indignant questioner on the spur of the moment that the work I do was useful seemed a thankless task and I gave it up. I turned to him with a smile and finished, 'To tell you the truth we don't do it because it is useful but because it's amusing.' The answer was thought of and given in a moment: it came from deep down in my mind, and the results were as admirable from my point of view as unexpected. My audience was clearly on my side. Prolonged and hearty applause greeted my confession. My questioner retired shaking his head over my wickedness and the newspapers next day, with obvious approval, came out with headlines 'Scientist Does It Because It's Amusing!' And if that is not the best reason why a scientist should do his work, I want to know what is. Would it be any good to ask a mother what practical use her baby is? That, as I say, was the first evening I ever spent in the United States and from that moment I felt at home. I realised that all talk about science purely for its practical and wealth-producing results is as idle in this country as in England. Practical results will follow right enough. No real knowledge is sterile. The most useless investigation may prove to have the most startling practical importance: Wireless telegraphy might not yet have come if Clerk Maxwell had been drawn away from his obviously 'useless' equations to do something of more practical importance. Large branches of chemistry would have remained obscure had Willard Gibbs not spent his time at mathematical calculations which only about two men of his generation could understand. With this trust in the ultimate usefulness of all real knowledge a man may proceed to devote himself to a study of first causes without apology, and without hope of immediate return.

Everything and Nothing* There was no one inside him; behind his face (which even in the bad paintings of the time resembles no other) and his words (which were multitudinous, and of a fantastical and agitated turn) there was no more than a slight chill, a dream someone had failed to dream. At first he thought that everyone was like him, but the surprise and bewilderment of an acquaintance to whom he began to describe that hollowness showed him his error, and also let him know, forever after, that an individual ought not to differ from its species. He thought at one point that books might hold some remedy for his condition, and so he learned the "little Latin and less Greek" that a contemporary would later mention. Then he reflected that what he was looking for might be found in the performance of an elemental ritual of humanity, and so he allowed himself to be initiated by Anne Hathaway one long evening in June. At twenty-something he went off to London. Instinctively, he had already trained himself to the habit of feigning that he was somebody, so that his "nobodiness" might not be discovered. In London he found the calling he had been predestined to; he became an actor, that person who stands upon a stage and plays at being another person, for an audience of people who play at taking him for that person. The work of a thespian held out a remarkable happiness to him—the first, perhaps, he had ever known; but when the last line was delivered and the last dead man applauded off the stage, the hated taste of unreality would assail him. He would cease being Ferrex or Tamerlane and return to being nobody. Haunted, hounded, he began imagining other heroes, other tragic fables. Thus while his body, in whorehouses and taverns around London, lived its life as body, the soul that lived inside it would be Cassar, who ignores the admonition of the sibyl, and Juliet, who hates the lark, and Macbeth, who speaks on the moor with the witches who are also the Fates, the Three Weird Sisters. No one was as many men as that man—that man whose repertoire, like that of the Egyptian Proteus, was all the appearances of being. From time to time he would leave a confession in one corner or another of the work, certain that it would not be deciphered; Richard says that inside himself, he plays the part of many, and Iago says, with curious words, I am not what I am. The fundamental identity of living, dreaming, and performing inspired him to famous passages. For twenty years he inhabited that guided and directed hallucination, but one morning he was overwhelmed with the surfeit and horror of being so many kings that die by the sword and so many unrequited lovers who come together, separate, and melodiously expire. That very day, he decided to sell his theater. Within a week he had returned to his birthplace, where he recovered the trees and the river of his childhood and did not associate them with those others, fabled with mythological allusion and Latin words, that his muse had celebrated. He had to be somebody; he became a retired businessman who'd made a fortune and had an interest in loans, lawsuits, and petty usury. It was in that role that he dictated the arid last will and testament that we know today, from which he deliberately banished every trace of sentiment or literature. Friends from London would visit his re-treat, and he would once again play the role of poet for them. History adds that before or after he died, he discovered himself standing before God, and said to Him: I , who have been so many men in vain, wish to be one, to be myself. God's voice answered him out of a whirlwind: I, too, am not I; I dreamed the world as you, Shakespeare, dreamed your own work, and among the forms of my dream are you, who like me, are many, yet no one.

Those who live in retirement, whose lives have fallen amid the seclusion of schools or of other walled-in and guarded dwellings, are liable to be suddenly and for a long while dropped out of the memory of their friends, the denizens of a freer world. Unaccountably, perhaps, and close upon some space of unusually frequent intercourse—some congeries of rather exciting little circumstances, whose natural sequel would rather seem to be the quickening than the suspension of communication—there falls a stilly pause, a wordless silence, a long blank of oblivion. Unbroken always is this blank; alike entire and unexplained. The letter, the message once frequent, are cut off; the visit, formerly periodical, ceases to occur; the book, paper, or other token that indicated remembrance, comes no more. Always there are excellent reasons for these lapses, if the hermit but knew them. Though he is stagnant in his cell, his connections without are whirling in the very vortex of life. That void interval which passes for him so slowly that the very clocks seem at a stand, and the wingless hours plod by in the likeness of tired tramps prone to rest at milestones—that same interval, perhaps, teems with events, and pants with hurry for his friends. The hermit—if he be a sensible hermit—will swallow his own thoughts, and lock up his own emotions during these weeks of inward winter. He will know that Destiny designed him to imitate, on occasion, the dormouse, and he will be conformable: make a tidy ball of himself, creep into a hole of life’s wall, and submit decently to the drift which blows in and soon blocks him up, preserving him in ice for the season. Let him say, “It is quite right: it ought to be so, since so it is.” And, perhaps, one day his snow-sepulchre will open, spring’s softness will return, the sun and south-wind will reach him; the budding of hedges, and carolling of birds, and singing of liberated streams, will call him to kindly resurrection.

Sometimes Marlboro Man and I would venture out into the world--go to the city, see a movie, eat a good meal, be among other humans. But what we did best was stay in together, cooking dinner and washing dishes and retiring to the chairs on his front porch or the couch in his living room, watching action movies and finding new and inventive ways to wrap ourselves in each other’s arms so not a centimeter of space existed between us. It was our hobby. And we were good at it. It was getting more serious. We were getting closer. Each passing day brought deeper feelings, more intense passion, love like I’d never known it before. To be with a man who, despite his obvious masculinity, wasn’t at all afraid to reveal his soft, affectionate side, who had no fears or hang-ups about declaring his feelings plainly and often, who, it seemed, had never played a head game in his life…this was the romance I was meant to have. Occasionally, though, after returning to my house at night, I’d lie awake in my own bed, wrestling with the turn my life had taken. Though my feelings for Marlboro Man were never in question, I sometimes wondered where “all this” would lead. We weren’t engaged--it was way too soon for that--but how would that even work, anyway? It’s not like I could ever live out here. I tried to squint and see through all the blinding passion I felt and envision what such a life would mean. Gravel? Manure? Overalls? Isolation? Then, almost without fail, just about the time my mind reached full capacity and my what-ifs threatened to disrupt my sleep, my phone would ring again. And it would be Marlboro Man, whose mind was anything but scattered. Who had a thought and acted on it without wasting even a moment calculating the pros and cons and risks and rewards. Who’d whisper words that might as well never have existed before he spoke them: “I miss you already…” “I’m thinking about you…” “I love you…” And then I’d smell his scent in the air and drift right off to Dreamland. This was the pattern that defined my early days with Marlboro Man. I was so happy, so utterly content--as far as I was concerned, it could have gone on like that forever. But inevitably, the day would come when reality would appear and shake me violently by the shoulders. And, as usual, I wasn’t the least bit ready for it.

The ten rules of ikigai We’ll conclude this journey with ten rules we’ve distilled from the wisdom of the long-living residents of Ogimi: Stay active; don’t retire. Those who give up the things they love doing and do well lose their purpose in life. That’s why it’s so important to keep doing things of value, making progress, bringing beauty or utility to others, helping out, and shaping the world around you, even after your “official” professional activity has ended. Take it slow. Being in a hurry is inversely proportional to quality of life. As the old saying goes, “Walk slowly and you’ll go far.” When we leave urgency behind, life and time take on new meaning. Don’t fill your stomach. Less is more when it comes to eating for long life, too. According to the 80 percent rule, in order to stay healthier longer, we should eat a little less than our hunger demands instead of stuffing ourselves. Surround yourself with good friends. Friends are the best medicine, there for confiding worries over a good chat, sharing stories that brighten your day, getting advice, having fun, dreaming . . . in other words, living. Get in shape for your next birthday. Water moves; it is at its best when it flows fresh and doesn’t stagnate. The body you move through life in needs a bit of daily maintenance to keep it running for a long time. Plus, exercise releases hormones that make us feel happy. Smile. A cheerful attitude is not only relaxing—it also helps make friends. It’s good to recognize the things that aren’t so great, but we should never forget what a privilege it is to be in the here and now in a world so full of possibilities. Reconnect with nature. Though most people live in cities these days, human beings are made to be part of the natural world. We should return to it often to recharge our batteries. Give thanks. To your ancestors, to nature, which provides you with the air you breathe and the food you eat, to your friends and family, to everything that brightens your days and makes you feel lucky to be alive. Spend a moment every day giving thanks, and you’ll watch your stockpile of happiness grow. Live in the moment. Stop regretting the past and fearing the future. Today is all you have. Make the most of it. Make it worth remembering. Follow your ikigai. There is a passion inside you, a unique talent that gives meaning to your days and drives you to share the best of yourself until the very end. If you don’t know what your ikigai is yet, as Viktor Frankl says, your mission is to discover it.

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

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

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

She looked at Damerel. 'Well, my dear friend?' 'Well, my dear delight?' he returned, a glint in his eyes. 'Do you think you will make me unhappy?' 'I don't - but I will offer you on promises!' 'No, pray don't!' she said seriously. 'As soon as one promises not to do something it becomes the one thing avocet all others that one most wishes to do!' She turned her head towards he uncle again. ' You mean to warn me that he may continue to have mistresses, and orgies, and - and so-on, don't you, sir?' '*Particularly* so-on!' interpolated Damerel. 'Well, how should I know all the shocking thing you do? The thing is, Uncle, that I don't think I ever should know.' 'You'd know about my orgies!' objected Damerel. 'Yes, but I shouldn't care about them, once in a while. After all, it would be quite unreasonable to wish you to change *all* your habits, and I can always retire to bed, can't I?' 'Oh, won't you preside over them? he said, much disappointed. 'Yes, love, if you wish me to,' she replied, smiling at him. 'Should I enjoy them?' He stretched out his hand, and when she laid her own in it, held it very tightly. 'You shall have a splendid orgy, my dear delight, and you will enjoy it very much indeed!

Fix in your mind the exact amount of money you desire. It is not sufficient merely to say "I want plenty of money." Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter).  2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as "something for nothing”.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning. AS YOU READ - SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

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

Brooks also has a fascinating few paragraphs on the relationship between money and happiness. For example, did you know that “people aren’t happiest during the years when they are winning the most promotions. Instead, people are happy in their 20’s, dip in middle age, and then, on average, hit peak happiness just after retirement at age 65.” But he returns to the connection between personal relationships and happiness, and concludes: If the relationship between money and well-being is complicated, the correspondence between personal relationships and happiness is not. . . . According to one study, joining a group that meets even just once a month produces the same happiness gain as doubling your income.

Leave me to long for no one in particular, to retire from this realm of delight, and return to the stasis I hold dear: these are words that no one wants to hear.

The Upside of Heuristics The economist Harry Markowitz won the 1990 Nobel Prize in Economics for developing modern portfolio theory: his groundbreaking “mean-variance portfolio optimization” showed how an investor could make an optimal allocation among various funds and assets to maximize returns at a given level of risk. So when it came time to invest his own retirement savings, it seems like Markowitz should have been the one person perfectly equipped for the job. What did he decide to do? I should have computed the historical covariances of the asset classes and drawn an efficient frontier. Instead, I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret. So I split my contributions fifty-fifty between bonds and equities. Why in the world would he do that?

As growth collapsed and economies went into recession, budget surpluses would disappear as taxation revenues fell and social security outlays rose to support the unemployed. This meant that government borrowing and public debt would increase.6 Budget deficits were now inevitable.7 But who would pay for these deficits in the long term? It wouldn’t be the financial institutions. No, it would once again be the little guy, the long-suffering taxpayer who, once economies eventually returned to growth, would see their taxes increase through ‘bracket creep’ until the debt was gradually retired.

For Washington, at age fifty-five, health was an ongoing issue and one reason he repeatedly gave for his retirement from public life. He had suffered from dysentery, pleurisy, quinsy, severe headaches, fevers, and a mild case of smallpox in the past, and the quinsy and headaches periodically returned.

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

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

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

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

Retirement had seemed like the best way not to die, but the adrenaline had gone the day I threw in the towel and it never returned. You have your books and your movies, your daydreams and your moments in the sun, but none of those can save you any more than irony can.

had exported an average of £13,000,000 worth of goods to Britain each year from 1835 to 1872 with no corresponding return of money; in fact, payments to people residing in Britain, whether profits to Company shareholders, dividends to railway investors or pensions to retired officials, made up a loss of £30 million a year.

With means, if more than a little diminished means, of his own Ethan had done what his father before him, likewise a lawyer, had done, and had once in days past counselled him to do before it was too late, before this might spell an irrevocable retirement. He made a Retreat. (To be sure he had not been bidden so far afield as had his father, who’d spent the last year of peace before the First World War as a legal adviser on international cotton law in Czarist Russia, whence he brought back to his young son in Wales, or so he announced, lifting it whole out of a mysterious deep-Christmas-smelling wooden box, a beautiful toy model of Moscow; a city of tiny magical gold domes, pumpkin- or Christmas-bell-shaped, sparkling with Christmas tinsel-scented snow, bright as new silver half-crowns, and of minuscule Byzantine chimes; and at whose miniature frozen street corners waited minute sleighs, in which Ethan had imagined years later lilliputian Tchitchikovs brooding, or corners where lurked snow-bound Raskolnikovs, their hands stayed from murder evermore: much later still he was to become unsure whether the city, sprouting with snow-freaked onions after all, was intended to be Moscow or St. Petersburg, for part of it seemed in memory built on little piles in the water, like Eridanus; the city coming out of the box he was certain was magic too—for he had never seen it again after that evening of his father’s return, in a strange astrakhan-collared coat and Russian fur cap—the box that was always to be associated also with his mother’s death, which had occurred shortly thereafter; the magic bulbar city going back into the magic scented box forever, and himself too afraid of his father to ask him about it later—though how beautiful for years to him was the word city, the carilloning word city in the Christmas hymn, Once in Royal David’s City, and the tumultuous angel-winged city that was Bunyan’s celestial city; beautiful, that was, until he saw a city—it was London—for the first time, sullen, in fog, and bloodshot as if with the fires of hell, and he had never to this day seen Moscow—so that while this remained in his memory as nearly the only kind action he could recall on the part of either of his parents, if not nearly the only happy memory of his entire childhood, he was constrained to believe the gift had actually been intended for someone else, probably for the son of one of his father’s clients: no, to be sure he hadn’t wandered as far afield as Moscow; nor had he, like his younger brother Gwyn, wanting to go to Newfoundland, set out, because he couldn’t find another ship, recklessly for Archangel; he had not gone into the desert nor to sea himself again or entered a monastery, and moreover he’d taken his wife with him; but retreat it was just the same.)

For a simple, hands-free investment experience, invest in lifecycle mutual funds. Choose a low-cost, target-date fund like Vanguard Target Retirement 2050 Fund. Avoid actively managed mutual funds; these funds rarely beat the market. Not only that, but high fees will eat into your investment returns over a long period of time. You are better off choosing a low-cost index fund as described above.

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

James Monroe served as the fifth President of the United States between 1817 and 1825. He was from Virginia and the last of the Founding Fathers to serve as President and was a wounded veteran of the Revolutionary War. After the war he studied law and served as a delegate in the Continental Congress. As president he and John Quincy Adams, who served as his Secretary of State, eased the prevailing partisan tensions bringing about what was called an “Era of Good Feelings.” He easily won a second term in office and in 1823, announced that the United States opposed any European intervention in the Americas by European Countries by enacting the Monroe Doctrine. Monroe strongly supported the founding of independent colonies in Africa for the return of freed slaves. These colonies eventually formed the nation of Liberia, whose capital was named Monrovia in his honor. In 1825 Monroe retired to New York City where he died on the 4th of July, 1831.

She retired early and, consequently, was in ignorance of the receipt of a telegram by Sylvanus Starr announcing the return of Andy P. Symes and the complete success of his eastern mission. So when she was awakened the next morning by a conflict of sounds which resembled the efforts of a Chinese orchestra and raised the shade to see the newly organized Cowboy band making superhuman endeavors to march and yet produce a sufficiently correct number of notes from the score of "A Hot Time in the Old Town" to make that American warcry recognizable, she knew that something unusual had developed in the interim of her long sleep. It

While the changes that are necessary are actually simple, they're painful, and require courage and sacrifice. Living standards will decline in real terms. Citizens will have to save more and consume less. Working lives with lengthen. For many, retirement will be revert to being a luxury. Taxes and charges for government services will rise to match the cost of providing them. There has to be greater emphasis on the real economy - the creation and sale of goods and services. Financial institutions need to return to their actual role of supporting economic activity.

Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognise failure, will bring riches. The method by which desire for riches can be transmuted into its financial equivalent consists of six definite, practical steps: 1. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) 2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire. Name the time limit for its acquisition. State what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after rising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

Ocean, the future center of global trade. Why should it not prosper? Nobody can predict the future with 100 percent certainty. I’m not convinced it will happen. But I am a possibilist and these facts convince me: it is possible. The destiny instinct makes it difficult for us to accept that Africa can catch up with the West. Africa’s progress, if it is noticed at all, is seen as an improbable stroke of good fortune, a temporary break from its impoverished and war-torn destiny. The same destiny instinct also seems to make us take continuing Western progress for granted, with the West’s current economic stagnation portrayed as a temporary accident from which it will soon recover. For years after the global crash of 2008, the International Monetary Fund continued to forecast 3 percent annual economic growth for countries on Level 4. Each year, for five years, countries on Level 4 failed to meet this forecast. Each year, for five years, the IMF said, “Next year it will get back on track.” Finally, the IMF realized that there was no “normal” to go back to, and it downgraded its future growth expectations to 2 percent. At the same time the IMF acknowledged that the fast growth (above 5 percent) during those years had instead happened in countries on Level 2, like Ghana, Nigeria, Ethiopia, and Kenya in Africa, and Bangladesh in Asia. Why does this matter? One reason is this: the IMF forecasters’ worldview had a strong influence on where your retirement funds were invested. Countries in Europe and North America were expected to experience fast and reliable growth, which made them attractive to investors. When these forecasts turned out to be wrong, and when these countries did not in fact grow fast, the retirement funds did not grow either. Supposedly low-risk/high-return countries turned out to be high-risk/low-return countries. And at the same time African countries with great growth potential were being starved of investment. Another reason it matters, if you work for a company based in the old “West,” is that you are probably missing opportunities in the largest expansion of the middle-income consumer market in history, which is taking place right now in Africa and Asia. Other, local brands are already establishing a foothold, gaining brand recognition, and spreading throughout these continents, while you are still waking up to what is going on. The Western consumer market was just a teaser for what is coming next.

First. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, “I want plenty of money.” Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) Second. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as “something for nothing.”) Third. Establish a definite date when you intend to possess the money you desire. Fourth. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. Fifth. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. Sixth. Read your written statement aloud, twice daily, once just before retiring at night and once after arising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.