Retire At 40 Quotes

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

What if you save for 40 years, putting off all kinds of opportunities, then get hit by a bus the day before retirement? Better to plan for the future while also living in the present.

gymnasts retire at 20, cricketers at 34, actresses at 32, actors at 75, salesmen at 50, other employees at 58 or 60 years, and doctors and lawyers when their bodies do not listen to their minds. Of course, one class beats them all — politicians retire at 90!

Terry took the silence as acquiescence, “The other way to make money is to exploit people, oh, no sorry, that’s the ‘only’ way to make money, exploit other people, that’s how the billionaires have acquired all their money by exploiting others… So how did they achieve it? You’re going to love this… they changed all the rules to accommodate what they wanted to do. How I hear you ask… easy, they own the politicians, they own the banks, they own industry and they own everything. They made it easier for themselves to invest in so called emerging markets. What once would’ve been considered treasonous was now considered virtuous. Instead of building up the nation state and its resources, all of its resources, including its people, they concentrated on building up their profits. That’s all they did. They invested in parts of the world where children could be worked for 12 hours a day 7 days a week, where grown men and women could be treated like slaves and all for a pittance and they did this because we here in the west had made it illegal to work children, because we’d abolished slavery, because we had fought for workers’ rights, for a minimum wage, for a 40 hr week, for pensions, for the right to retire, for a free NHS, for free education, all of these things were getting in the way of them making a quick and easy profit and worse …had been making us feel we were worth something.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only one will be wealthy; four will be financially secure; five will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

Approximately 95% of our society settles for far less than they want in life, wishing they had more, living with regret and never understanding that they could be, do, and have all that they want. According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find:  only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them. Monetarily speaking, that’s only 5% of us who will be successful in creating a life of freedom, and 95% who will continue to struggle their entire lives.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find:  only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.

According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only 1 will be wealthy; 4 will be financially secure; 5 will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.  Monetarily speaking, that’s only 5% of us who will be successful in creating a life of freedom, and 95% who will continue to struggle their entire lives.

The strongest evidence yet was published in 2010. In a painstaking long-term study, much larger and more thorough than anything done previously, an international team of researchers tracked one thousand children in New Zealand from birth until the age of thirty-two. Each child’s self-control was rated in a variety of ways (through observations by researchers as well as in reports of problems from parents, teachers, and the children themselves). This produced an especially reliable measure of children’s self-control, and the researchers were able to check it against an extraordinarily wide array of outcomes through adolescence and into adulthood. The children with high self-control grew up into adults who had better physical health, including lower rates of obesity, fewer sexually transmitted diseases, and even healthier teeth. (Apparently, good self-control includes brushing and flossing.) Self-control was irrelevant to adult depression, but its lack made people more prone to alcohol and drug problems. The children with poor self-control tended to wind up poorer financially. They worked in relatively low-paying jobs, had little money in the bank, and were less likely to own a home or have money set aside for retirement. They also grew up to have more children being raised in single-parent households, presumably because they had a harder time adapting to the discipline required for a long-term relationship. The children with good self-control were much more likely to wind up in a stable marriage and raise children in a two-parent home. Last, but certainly not least, the children with poor self-control were more likely to end up in prison. Among those with the lowest levels of self-control, more than 40 percent had a criminal conviction by the age of thirty-two, compared with just 12 percent of the people who had been toward the high end of the self-control distribution in their youth.

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

Beginning in 2011, SpaceX won a series of contracts from NASA to develop rockets that could take humans to the International Space Station, a task made crucial by the retirement of the Space Shuttle. To fulfill that mission, it needed to add to its facilities at Cape Canaveral’s Pad 40, and Musk set his sights on leasing the most storied launch facility there, Pad 39A. Pad 39A had been center stage for America’s Space Age dreams, burned into the memories of a television generation that held its collective breath when the countdowns got to “Ten, nine, eight…” Neil Armstrong’s mission to the moon that Bezos watched as a kid blasted off from Pad 39A in 1969, as did the last manned moon mission, in 1972. So did the first Space Shuttle mission, in 1981, and the last, in 2011. But by 2013, with the Shuttle program grounded and America’s half-century of space aspirations ending with bangs and whimpers, Pad 39A was rusting away and vines were sprouting through its flame trench. NASA was eager to lease it. The obvious customer was Musk, whose Falcon 9 rockets had already launched on cargo missions from the nearby Pad 40, where Obama had visited. But when the lease was put out for bids, Jeff Bezos—for both sentimental and practical reasons—decided to compete for it. When NASA ended up awarding the lease to SpaceX, Bezos sued. Musk was furious, declaring that it was ridiculous for Blue Origin to contest the lease “when they haven’t even gotten so much as a toothpick to orbit.” He ridiculed Bezos’s rockets, pointing out that they were capable only of popping up to the edge of space and then falling back; they lacked the far greater thrust necessary to break the Earth’s gravity and go into orbit. “If they do somehow show up in the next five years with a vehicle qualified to NASA’s human rating standards that can dock with the Space Station, which is what Pad 39A is meant to do, we will gladly accommodate their needs,” Musk said. “Frankly, I think we are more likely to discover unicorns dancing in the flame duct.” The battle of the sci-fi barons had blasted off. One SpaceX employee bought dozens of inflatable toy unicorns and photographed them in the pad’s flame duct. Bezos was eventually able to lease a nearby launch complex at Cape Canaveral, Pad 36, which had been the origin of missions to Mars and Venus. So the competition of the boyish billionaires was set to continue. The transfer of these hallowed pads represented, both symbolically and in practice, John F. Kennedy’s torch of space exploration being passed from government to the private sector—from a once-glorious but now sclerotic NASA to a new breed of mission-driven pioneers.

The MTA had limited flexibility to cut its expenses. The subways had very high fixed costs and the Transit Authority needed to provide enough services for the four-hour peak commuting period. While a private business would have tried to replace full-time workers with part-time workers or scaled back salaries and benefits, those were not feasible options for a state-run enterprise whose workers were politically influential. Instead, a new union contract in 1968 allowed transit workers to retire with half pay after twenty years of work, exacerbating the MTA’s financial problems and affecting service quality after most of the car maintenance workers and 40 percent of the electrical workers retired in the next two years.75 With

Fill-In-the-Blank Headlines with Examples They Didn't Think I Could ________, but I Did. This headline works well for many reasons, including our natural tendency to root for the underdog. We're fascinated with stories of people who overcome great obstacles and others' ridicule to achieve success. When this headline refers to something you have thought about doing, but talked yourself out of, you'll want to know if the successful person shared your doubt or fear or handicap. Examples: They Laughed When I Sat Down at the Piano — but Not When I Started to Play! They Grinned When the Waiter Spoke to Me in French — but Their Laughter Changed to Amazement at My Reply! Who Else Wants ________? I like this type of headline because of its strong implication that a lot of other people know something the reader doesn't. Examples: Who Else Wants a Hollywood Actress' Figure? Who Else Needs an Extra Hour Every Day? How ________ Made Me ________ This headline introduces a first-person story. People love stories and are remarkably interested in other people. This headline structure seems to work best with dramatic differences. Examples: How a “Fool Stunt” Made Me a Star Salesman. How a Simple Idea Made Me “Plant Manager of the Year.” How Relocating to Tennessee Saved Our Company $1 Million a Year Are You ________? The question headline is used to grab attention by challenging, provoking, or arousing curiosity. Examples: Are You Ashamed of the Smells in Your House? Are You Prepared for the Next Stock Market Crash? How I ________ Very much like How ________ Made Me ________, this headline introduces a first-person story. The strength of the benefit at the end, obviously, controls its success. Examples: How I Raised Myself from Failure to Success in Selling. How I Retired at Age 40 — With a Guaranteed Income for Life.

The New Rich (NR) are those who abandon the deferred-life plan [save and retire after 20–40 years] and create luxury lifestyles in the present using the currency of the New Rich: time and mobility.

It’s experience that has value, not possessions. We desire possessions because we think they’ll make us happier, but extensive research shows that once our basic survival needs are met, increased possessions don’t boost happiness levels. Meditation gives us the option of going straight to happiness and skipping the intermediate step of possessions. Acquiring them takes a lot of work and time, and all that effort can take us out of flow. We can spend a 40-year career amassing the possessions and money that we believe will give us happiness in retirement. Skipping the amassing stage and going straight to bliss gives us the end goal at the beginning. We win the gold medal before the contest even begins. Play doesn’t happen in an imaginary future in which our lives are perfect. Play happens now. We can become billionaires of happy experiences, the bank vaults of our minds overflowing with joy. That’s the only currency that counts. We’ve then acquired the end state without going through the intermediate state of getting stuff. We’ve loaded the dice, so that any and every roll produces bliss.

It’s experience that has value, not possessions. We desire possessions because we think they’ll make us happier, but extensive research shows that once our basic survival needs are met, increased possessions don’t boost happiness levels. Meditation gives us the option of going straight to happiness and skipping the intermediate step of possessions. Acquiring them takes a lot of work and time, and all that effort can take us out of flow. We can spend a 40-year career amassing the possessions and money that we believe will give us happiness in retirement. Skipping the amassing stage and going straight to bliss gives us the end goal at the beginning. We win the gold medal before the contest even begins. Play doesn’t happen in an imaginary future in which our lives are perfect. Play happens now. We can become billionaires of happy experiences, the bank vaults of our minds overflowing with joy. That’s the only currency that counts. We’ve then acquired the end state without going through the intermediate state of getting stuff. We’ve loaded the dice, so that any and every roll produces bliss. Why not live like that every day? DEEPENING PRACTICES Here are practices you can do this week to integrate the information in this chapter into your life: Releasing the Suffering Self: That’s the theme of this chapter’s companion meditation. Use the link below to listen to this free 15-minute meditation each morning. Play the “Name Your Demon” Game: Give the selfing part of yourself a funny personal name, or ask it what its name is and write down the answer. One woman christened hers “Sticky.” Another, “Yuggo.” This exercise separates you from identification with the demon, and reminds you that you’re in control. Make the Subject-Object Shift: Whenever you find your mind wandering during meditation, simply thank your DMN by name (e.g., “Thanks, Yuggo!”) and then move your attention back to Focus. Mindfulness App: As a way of becoming mindful, enroll in the Harvard wandering mind study by using the link below to download the smartphone app. Time in Nature: Spend time in nature at least three times this week. Write those times in your calendar now, and treat them as seriously as you’d treat a doctor’s appointment. This exercise in self-care is a way of centering your mind and nurturing yourself. Journaling: In your new personal journal, write down the insights you have this week. Notice the way your mind works in meditation, and describe it in your journal. Just a few words are enough, like, “Had a hard time getting to a good place this morning. Lots of mind wandering, but I settled down in 15 minutes.

The victories these unions won reshaped work for us all. The forty-hour workweek, overtime pay, employer health insurance and retirement benefits, worker compensation—all these components of a “good job” came from collective bargaining and union advocacy with governments in the late 1930s and ’40s. And the power to win these benefits came from solidarity—Black, white, and brown, men and women, immigrant and native-born.

Test the most basic assumptions of the work-life equation. How do your decisions change if retirement isn’t an option? What if you could use a mini-retirement to sample your deferred-life plan reward before working 40 years for it? Is it really necessary to work like a slave to live like a millionaire?

[A] less stressful life doesn’t make people nearly as happy as they think it will. Although most people predict they would be happier if they were less busy, the opposite turns out to be true. People are happier when they are busier, even when forced to take on more than they would choose. A dramatic decrease in busyness may explain why retirement can increase the risk of developing depression by 40 percent.

Research also shows that a less stressful life doesn’t make people nearly as happy as they think it will. Although most people predict they would be happier if they were less busy, the opposite turns out to be true. People are happier when they are busier, even when forced to take on more than they would choose. A dramatic decrease in busyness may explain why retirement can increase the risk of developing depression by 40 percent. A lack of meaningful stress may even be bad for your health. In one large epidemiological study, middle-aged men who reported higher levels of boredom were more than twice as likely to die of a heart attack over the next twenty years. In contrast, many studies show that people who have a sense of purpose live longer. For example, in a study that followed over nine thousand adults in the U.K. for ten years, those who reported highly meaningful lives had a 30 percent reduction in mortality. This reduced risk held even after controlling for factors including education, wealth, depression, and health behaviors such as smoking, exercise, and drinking.

That’s not exciting. That’s no way to live. I was the definition of a modern day slave. All I had to do was show up ten hours a day, six days a week, for the next 40 years, and my so-called success was all planned out. It was as if I was retired and buried already.

My recommendations for investors in the accumulation phase of their lives, working to build their wealth, focused on a stock/bond mix of 80/20 for younger investors and 70/30 for older investors. For investors starting the post-retirement distribution phase, 60/40 for younger investors, 50/50 for older investors.

By his mid 40s Gupta was CEO of McKinsey, the world’s most prestigious consulting firm. He retired in 2007 to take on roles with the United Nations and the World Economic Forum. He partnered on philanthropic work with Bill Gates. He sat on the board of directors of five public companies. From the slums of Kolkata, Gupta had quite literally become one of the most successful businessmen alive

David Snavely is a highly respected investment advisor with over 40 years of experience in retirement planning and financial strategy. David specializes in helping clients secure their financial futures through personalized investment solutions, including Equity Index Annuities.

People often work hard all their lives and feel that they will enjoy life when they finally retire at 60 or more. There are three basic problems with that goal 1. How do you know you are going to even be around that long? Life is unpredictable and is there really a guarantee that one will always live long enough to enjoy the fruits? 2. How do you know whether your health at that age will permit you to properly enjoy the fruits of your hard work? Chances are, with the unhealthy modern lifestyle of society in general, people are going to be spending more time dealing with medical bills than actually enjoying retirement 3. People who are used to working 12-15 hours a day all their life and then retire often report feeling a sudden emptiness in their life and a lack of purpose. While they may feel relieved in the initial few days or weeks to no longer have to work, soon not having to do anything begins to feel gloomy and depressing. Often, many of their cognitive and physical functions decline faster because they are no longer being used like they were used to. Many also feel like they are becoming a burden on their other family members. My suggestion is, if at all avoidable, don’t work with one final retirement as the goal. Work all your life as long as your health allows you to, but take mini retirements on a regular basis. The human body is made to work and rest, work again and rest again. It’s not made to work for 40 years nonstop and then rest for 20 years.

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

Basing a [retirement] system on people’s voluntarily saving for 40 years and evaluating the relevant information for sound investment choices is like asking the family pet to dance on two legs,” writes Teresa Ghilarducci, an economics professor and retirement policy expert at the New School for Social Research. “First, figure out when you or your spouse will be laid off or be too sick to work. Second, figure out when you will die. Third, understand you need to save 7 percent of every dollar you earn. Fourth, earn at least 3 percent above inflation on your investments. Fifth, do not withdraw any funds when you lose your job, have a health problem, get divorced, buy a house or send a kid to college. Sixth, time your retirement account withdrawals so the last cent is spent on the day you die.”2 Most

Madden stayed at Stingley’s bedside to offer him whatever comfort he could. Eventually, the tragedy was too much for Madden and he retired from coaching for good to become a broadcasting, video game, and foot-powder pitchman legend. Those who disliked Madden when he was coaching the Raiders had perhaps never been more wrong in their judgment of another human being than they were about him.

I served our country in its military for a total of 40 years 6 months and 7 days. At a time when we have fake news and people have accepted that lies are as valid as the truth all I can say is that my DD-214 shows that I served and retired from the United States Naval Reserve, before joining the United States Army in its Military Intelligence Corps, and served as such until retiring in 1987. I personally don’t know of anyone else that actually served in two branches of our military and retired from each, and although I frequently receive thanks for my service it is appreciated but not necessary. What is however necessary, is that we as citizens give a long hard look at where we are going as a nation. Yes, our infrastructure needs repair and our people need good jobs. We certainly want to feel secure but we definitely don’t need one man to fix our Constitution, which by the way is not broken! We do not need a crude iron fist to run our country! What we do need is a clear understanding of where we are going and what our country stands for…. “The pursuit of happiness” for “We the People!” Our government is based on a system of checks and balances, not the blind following of an autocrat. That’s been tried before and failed each time. Let’s not go down that “Rabbit hole!” Stand up and protect our democracy and cherish our freedom! What we have is priceless! Don’t let anyone take that away from us…. “Stand up for what is right!

If Stanley arrived the 1st of May at Zanzibar:—allow = 20 days to get men and settle with them = May 20th, men leave Zanzibar 22nd of May = now 1st of June. On the road may be                      10 days Still to come 30 days, June            30  " — Ought to arrive 10th or 15th of July    40  " 14th of June = Stanley being away now 3 months; say he left Zanzibar 24th of May = at Aden 1st of June = Suez 8th of June, near Malta 14th of June. Stanley's men may arrive in July next. Then engage pagazi half a month = August, 5 months of this year will remain for journey, the whole of 1873 will be swallowed up in work, but in February or March, 1874, please the Almighty Disposer of events, I shall complete my task and retire.

percent state tax. The 40 percent paid internationally creates a foreign tax credit that should

Retire at 40! Grave should be the only place for retirement

No longer will we live in a society that says we have to work 40 hours a week, save until we retire at 65, live for the future, or start living just before we die.  The Strong Minded Man will live for today, plan for the future, stop taking from society and start creating for society.  When we turn from societal consumer to societal producer we free ourselves from any rules that society bestows on itself.

Many Americans that get caught up in the lie called the American Dream do exactly this: they work to buy then die. This is also known as the deferred life plan; where you attend school and work for the first 40 years of your adult life so you can live when you retire at age 60 or later. Many that follow this plan end up with broken marriages, alienated children, crushed dreams, boredom, obesity, poor health, and a house to sleep away the pain in and further propagate the nightmare. Why does this happen? Because we are taught that we cannot live unless we have a house to do it in. Nonsense! Not everyone needs a house. Even those who want a house now, will at many times in their life wish they did not have it, and could instead do something else with their life.

To understand what that means in commonsense terms, consider a person who plans to live off the income from $1 million invested in T-bills. Suppose he retires in a given year and converts his investments into an inflation-protected annuity with a return of 4% to 5%. He will receive an annual income of $40,000 to $50,000. But now suppose he retires a few years later, when the return on the annuity has dropped to 0.5%. His annual income will now be only $5,000. Yes, the $1 million principal amount was fully insured and protected, but you can see that he cannot possibly live on the amount he will now receive. T-bills preserve principal at all times, but the income received on them can vary enormously as return on the annuity goes up or down. Had the retiree bought instead a long-maturity U.S. Treasury bond with his $1 million, his spendable income would be secure for the life of the bond, even though the price of that bond would fluctuate substantially from day to day. The same holds true for annuities: Although their market value varies from day to day, the income from an annuity is secure throughout the retiree’s life.

Ice Cream Bread Recipe From Agnes Seiwell     Prep time: 5 minutes.   Ingredients:   1 pint (2 cups) ice cream, softened. Flavor: your choice. 1 ½ cups self-rising flour. Stir together ice cream and flour just enough so that flour is thoroughly moistened. Spoon batter into a greased and floured 8x4 inch loaf pan. Bake at 350 for 40 to 45 minutes or until a wooden toothpick

Ice Cream Bread Recipe From Agnes Seiwell Prep time: 5 minutes. Ingredients: 1 pint (2 cups) ice cream,  softened. Flavor: your choice. 1 ½ cups self-rising flour. Stir together ice cream  and flour just enough so that flour is thoroughly moistened. Spoon  batter  into a greased  and floured 8x4 inch loaf pan. Bake at 350 for 40 to 45 minutes or until a wooden toothpick inserted in center of bread  comes out clean. Remove from pan and cool on a wire rack. This two-ingredient bread  is great any time of day. It can be served as a dessert topped with some whipped cream  and chocolate or other flavored sauce, or toasted  and used as a side dish to a meal.

There are different seasons of life. And there are different callings for different times. The work we do changes over time. But we don’t really retire from the work God gives us, we just transition in our calling.

From the Bridge” by Captain Hank Bracker Behind “The Exciting Story of Cuba” It was on a rainy evening in January of 2013, after Captain Hank and his wife Ursula returned by ship from a cruise in the Mediterranean, that Captain Hank was pondering on how to market his book, Seawater One. Some years prior he had published the book “Suppressed I Rise.” But lacking a good marketing plan the book floundered. Locally it was well received and the newspapers gave it great reviews, but Ursula was battling allergies and, unfortunately, the timing was off, as was the economy. Captain Hank has the ability to see sunshine when it’s raining and he’s not one easily deterred. Perhaps the timing was off for a novel or a textbook, like the Scramble Book he wrote years before computers made the scene. The history of West Africa was an option, however such a book would have limited public interest and besides, he had written a section regarding this topic for the second Seawater book. No, what he was embarking on would have to be steeped in history and be intertwined with true-life adventures that people could identify with. Out of the blue, his friend Jorge suggested that he write about Cuba. “You were there prior to the Revolution when Fidel Castro was in jail,” he ventured. Laughing, Captain Hank told a story of Mardi Gras in Havana. “Half of the Miami Police Department was there and the Coca-Cola cost more than the rum. Havana was one hell of a place!” Hank said. “I’ll tell you what I could do. I could write a pamphlet about the history of the island. It doesn’t have to be very long… 25 to 30 pages would do it.” His idea was to test the waters for public interest and then later add it to his book Seawater One. Writing is a passion surpassed only by his love for telling stories. It is true that Captain Hank had visited Cuba prior to the Revolution, but back then he was interested more in the beauty of the Latino girls than the history or politics of the country. “You don’t have to be Greek to appreciate Greek history,” Hank once said. “History is not owned solely by historians. It is a part of everyone’s heritage.” And so it was that he started to write about Cuba. When asked about why he wasn’t footnoting his work, he replied that the pamphlet, which grew into a book over 600 pages long, was a book for the people. “I’m not writing this to be a history book or an academic paper. I’m writing this book, so that by knowing Cuba’s past, people would understand it’s present.” He added that unless you lived it, you got it from somewhere else anyway, and footnoting just identifies where it came from. Aside from having been a ship’s captain and harbor pilot, Captain Hank was a high school math and science teacher and was once awarded the status of “Teacher of the Month” by the Connecticut State Board of Education. He has done extensive graduate work, was a union leader and the attendance officer at a vocational technical school. He was also an officer in the Naval Reserve and an officer in the U.S. Army for a total of over 40 years. He once said that “Life is to be lived,” and he certainly has. Active with Military Intelligence he returned to Europe, and when I asked what he did there, he jokingly said that if he had told me he would have to kill me. The Exciting Story of Cuba has the exhilaration of a novel. It is packed full of interesting details and, with the normalizing of the United States and Cuba, it belongs on everyone’s bookshelf, or at least in the bathroom if that’s where you do your reading. Captain Hank is not someone you can hold down and after having read a Proof Copy I know that it will be universally received as the book to go to, if you want to know anything about Cuba! Excerpts from a conversation with Chief Warrant Officer Peter Rommel, USA Retired, Military Intelligence Corps, Winter of 2014.

A long, fruitful retirement is a concept that’s only a few generations old. If you recall from our discussion earlier, when President Franklin Roosevelt created Social Security in 1935, the average life expectancy was just 62. And the payments wouldn’t kick in until age 65, so only a small percentage would actually receive Social Security benefits to begin with. At the time, the Social Security system made financial sense because there were 40 workers (contributors) for every retiree collecting benefits. That means there were 40 people pulling the wagon, with only 1 sitting in the back. By 2010, the ratio had dropped to only 2.9 wagon pullers for every retiree. The math doesn’t pencil out, but since when has that stopped Washington?

Ulysses Club (Australia) a social club for riders over 40, whose membership is dedicated to “growing old disgracefully”, or

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

Some liberals falsely assert that Christian aid groups help only those who are Christians (this is not true of the major organizations? and don't appreciate the scale of giving by people of faith. World Vision has 40,000 staff in roughly 100 countries-more than CARE, Save the Children, and the United States Agency for International Development combined. Some secular liberals are pushing to end the longtime practice of channeling aid through religious aid groups, even though that would cripple aid efforts. In the past five years, half of food aid in Haiti went through religiously affiliated organizations, such as World Vision, that have deep networks on the ground. ...Religious Americans actually donate more of their income to charity and volunteer more of their time than any other group. If secular liberals can give up some of their scorn, and if religious conservatives can retire some of their sanctimony, combined they might succeed in making greater progress against common enemies of humanity.

Some liberals falsely assert that Christian aid groups help only those who are Christians (this is not true of the major organizations) and don't appreciate the scale of giving by people of faith. World Vision has 40,000 staff in roughly 100 countries-more than CARE, Save the Children, and the United States Agency for International Development combined. Some secular liberals are pushing to end the longtime practice of channeling aid through religious aid groups, even though that would cripple aid efforts. In the past five years, half of food aid in Haiti went through religiously affiliated organizations, such as World Vision, that have deep networks on the ground. ...Religious Americans actually donate more of their income to charity and volunteer more of their time than any other group. If secular liberals can give up some of their scorn, and if religious conservatives can retire some of their sanctimony, combined they might succeed in making greater progress against common enemies of humanity.

Despite the prevalence of DC plans, 44% of working households have no accumulated savings in a DC plan, and 39% do not even have access to such a program. The situation is worst for low-income working households, as only 25% of households in the lowest quartile of income have accumulated any assets within a DC plan, whereas 81% of households in the top quartile of income have. The discrepancy is significantly explained by plan access. Only 40% of low-income households have access to DC plans, whereas 84% of high-income households do (Government Accountability Office 2017). Another factor is ability, or perceived ability, to make contributions; the data show, obviously, that many lower-income households with access to a DC plan have not contributed to it.

According to a survey conducted by Charles Schwab (2017), however, 40% of individuals spent five hours or more planning their next vacation but only 16% spent as much time researching their 401(k) options. If we are to instill a greater sense of priority about retirement planning among future retirees, whether they have access to a DC plan or not, more must be done to communicate the relevance of this effort and explain how it can be achieved most efficiently

some four stages (Table 4.6):- Table 4.6The changing life cycle Traditional life-cycle used to be 0–20 20–40 40–60 60–70+ Young Married (Work) with dependent children Working No dependents Retired Nowadays the life cycle has five segments: 0–20 20–30 30–50 50–67 67–80+ Young Single (Working) Married (Work) with dependent children Working with dependent

Combining these two trends together means that the life cycle is now distinctly different from that, say, 40 or 50 years ago. In a simplified time line back then, we could divide life up into some four stages (Table 4.6):- Table 4.6The changing life cycle Traditional life-cycle used to be 0–20 20–40 40–60 60–70+ Young Married (Work) with dependent children Working No dependents Retired Nowadays the life cycle has five segments: 0–20 20–30 30–50 50–67 67–80+ Young Single (Working) Married (Work) with dependent children Working with dependent

The sophisticated investor could exercise her put, or right to sell 100 shares at $50 per share, and receive $5,000. If she chooses, she could then go to the market and buy 100 shares at $40 a share for $4,000. The net result is, she has her 100 shares of stock and an extra $900 ($1,000 less the cost of the put).

The moment the investor bought the shares at $40 and returned the 100 shares to the original investor, the shorting investor is said to have “covered their short position.

Yet this third-rate and mediocre action is counted, with Waterloo and Gettysburg, among the decisive battles of history; and Goethe was not the only man there who knew that the scene before him was the beginning of a new epoch for mankind. With 36,000 men and 40 guns the French had arrested the advance of Europe, not by skilful tactics or the touch of steel, but by the moral effect of their solidity when they met the best of existing armies. The nation discovered that the Continent was at its mercy, and the war begun for the salvation of monarchy became a war for the expansion of the Republic. It was founded at Paris, and consolidated at Valmy. Yet no military event was less decisive. The French stood their ground because nobody attacked them, and they were not attacked because they stood their ground. The Prussians suffered a strategic, though not a tactical defeat. By retiring to their encampment they renounced the purposes for which they went to war, the province they occupied, and the prestige of Frederic.

The 1, 3, 5, 8 approach This is less a rule of thumb than a benchmark. The 1, 3, 5, 8 rule says that you should have a certain multiple of your annual salary in retirement savings at different age milestones. Fidelity uses this rule of thumb to give investors concrete savings goals. Here’s how it works: By age 30, you should have 1 full year’s salary in your retirement account By age 40, you should have 3 years’ salary saved in your account By age 50, you should have 5 years’ salary saved By age 60, you should have 8 years’ salary saved Fidelity tacks on one last target: by age 67, you need 10 times your salary in your retirement account.

from service of Miss Charlotte Catherine Jane Lucas. Miss Lucas, you are to receive immediately the original settlement of £10,000 established by Lady Anne, plus the returns it has earned through very wise investments which now total approximately £14,000, making the retirement settlement now to be valued at approximately £24,000.   “Also, Lady Anne transferred her dowry of £40,000 to be an additional settlement for Miss Lucas. The returns this addition has earned through very wise investments now total approximately £65,000

Ice Cream Bread Recipe From Agnes Seiwell     Prep time: 5 minutes.   Ingredients:   1 pint (2 cups) ice cream, softened. Flavor: your choice. 1 ½ cups self-rising flour. Stir together ice cream and flour just enough so that flour is thoroughly moistened. Spoon batter into a greased and floured 8x4 inch loaf pan. Bake at 350 for 40 to 45 minutes or until a wooden toothpick inserted in center of bread comes out clean. Remove from pan and cool on a wire rack. This

In 2013, the United States spent almost $400 billion in federal tax subsidies for homeownership and retirement savings. That was 30 percent of all federal tax expenditures. About 70 percent of the savings from the mortgage interest and property tax deductions went to the top 20 percent of earners. Almost none went to the bottom 40 percent. The proportions were similar for retirement-related tax deductions.13 On the bottom end of the income spectrum, if government policy served any function, it was to create hurdles for families trying to save.

Over half of the adults in the US don’t have a will. Seven out of ten have not written down their end-of-life wishes. Out of all the twenty-year-olds today, over one in four will become disabled before retirement. About 40 percent of adults in America can’t cover a $400 emergency, and 25 percent have no retirement savings at all.

Don't slog all your life under the pretext of making 'sufficient' money to retire. Earn money and make money earn for you. Live your life for yourself.

I hire only the smartest minds to run my companies etc. to include Savvy Turtle with the exception of its own and James quotes, designing clothes & writing bestselling books, I receive enjoyment from doing that. but giving back in the communities I will be retiring soon and will still be involved but mostly from my mind and not my hands. as you will find out down the road that when you reach 40 and completed all your goals and more you will feel like 60 in some ways and like 18 in many other ways.

In fact, it was the German battlecruisers which sent the first signal which alerted Room 40 that something was being planned. It was sent by the commander of their battlecruiser scouting force, Admiral Franz Ritter von Hipper, on the 14th of December. He was asking for air reconnaissance over a sector of the North Sea and revealing that his force would leave the Jade Estuary at 0330. The signal was successfully decoded and, at 7pm, Admiral Sir Arthur Wilson – known to the navy as Old ‘Ard ‘Eart, and recalled from retirement to the inner circle at the outbreak of war – asked for an urgent meeting with Fisher and Churchill.

La certitude qu’en dernier ressort on est maître de sa vie représente la dernière liberté » (40). Evguénia Guinzbourg, contemplant à Kolyma le corps d’une amie suicidée, trouve aussi un réconfort à penser que cette liberté-là est toujours accessible : « Si je veux, je mettrai moi-même un terme à ma vie » (II, 123). Les gardiens des camps le savent bien : choisir le moment et le moyen de sa propre mort, c’est affirmer sa liberté ; or c’est précisément la négation de cette liberté, et donc de cette dignité, qui est le but du camp. C’est pourquoi, alors même qu’ils donnent la mort avec autant de facilité, ces gardiens empêchent par tous les moyens les suicides. Filip Müller s’est introduit volontairement dans la chambre à gaz pour y trouver la mort ; mais les gardiens le découvrent et l’en retirent brutalement : « Espèce de cul, satané scélérat, apprends que c’est nous, et non toi, qui décidons si tu dois vivre ou mourir ! » (155). Plus importante que la mort est l’aliénation de la volonté : c’est elle qui permet de jouir pleinement du pouvoir sur autrui. Bettelheim explique ainsi l’irritation des surveillants devant les suicides, qui, pourtant, leur épargnent une « sale besogne » : tout acte d’autodétermination doit être sévèrement puni.

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