Retire Young 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!

The most unfair thing about life is the way it ends. I mean, life is tough. It takes up a lot of your time. What do you get at the end of it? A Death! What’s that, a bonus? I think the life cycle is all backwards. You should die first, get it out of the way. Then you live in an old age home. You get kicked out when you’re too young, you get a gold watch, you go to work. You work forty years until you’re young enough to enjoy your retirement. You do drugs, alcohol, you party, you get ready for high school. You go to grade school, you become a kid, you play, you have no responsibilities, you become a little baby, you go back into the womb, you spend your last nine months floating …and you finish off as an orgasm.

Whether we're a preschooler or a young teen, a graduating college senior or a retired person, we human beings all want to know that we're acceptable, that our being alive somehow makes a difference in the lives of others.

How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.

God, did I miss you, Love. Is thirty too young to retire from working? I'd love to just make love to you full-time, instead

Life is a process during which one initially gets less and less dependent, independent, and then more and more dependent.

The cemetery is where a young hustla go to retire, and prison is where he goes to grow old.

God knows I often retire to my bed wishing (at times even hoping) that I might never wake up; and in the morning I open my eyes, see the sun once again, and am miserable.

The good thing about being old is not being young.

It had been June, the bright hot summer of 1937, and with the curtains thrown back the bedroom had been full of sunlight, sunlight and her and Will's children, their grandchildren, their nieces and nephews- Cecy's blue eyed boys, tall and handsome, and Gideon and Sophie's two girls- and those who were as close as family: Charlotte, white- haired and upright, and the Fairchild sons and daughters with their curling red hair like Henry's had once been. The children had spoken fondly of the way he had always loved their mother, fiercely and devotedly, the way he had never had eyes for anyone else, and how their parents had set the model for the sort of love they hoped to find in their own lives. They spoke of his regard for books, and how he had taught them all to love them too, to respect the printed page and cherish the stories that those pages held. They spoke of the way he still cursed in Welsh when he dropped something, though he rarely used the language otherwise, and of the fact that though his prose was excellent- he had written several histories of the Shadowhunters when he's retired that had been very well respected- his poetry had always been awful, though that never stopped him from reciting it. Their oldest child, James, had spoken laughingly about Will's unrelenting fear of ducks and his continual battle to keep them out of the pond at the family home in Yorkshire. Their grandchildren had reminded him of the song about demon pox he had taught them- when they were much too young, Tessa had always thought- and that they had all memorized. They sang it all together and out of tune, scandalizing Sophie. With tears running down her face, Cecily had reminded him of the moment at her wedding to Gabriel when he had delivered a beautiful speech praising the groom, at the end of which he had announced, "Dear God, I thought she was marrying Gideon. I take it all back," thus vexing not only Cecily and Gabriel but Sophie as well- and Will, though too tired to laugh, had smiled at his sister and squeezed her hand. They had all laughed about his habit of taking Tessa on romantic "holidays" to places from Gothic novels, including the hideous moor where someone had died, a drafty castle with a ghost in it, and of course the square in Paris in which he had decided Sydney Carton had been guillotined, where Will had horrified passerby by shouting "I can see the blood on the cobblestones!" in French.

Death devours not only those who have been cooked by old age; it also feasts on those who are half-cooked and even those who are raw.

The rich does not work for money, but money work for them...., While the poor work for money.Illiteracy, both in word and numbers, is the foundation of financial struggle....,Wealth is a person's ability to survive so many number of days forward... or if i stopped working today, how could i survive?...,Wealth is the measure of cash flow from to asset column compared with the expense column...,

A reason or a purpose is a combination of "wants" and "don't wants".

Retiring young isn't for everybody, even if you think it is. When all you have is a hammer, everything looks like a nail.

Why in the world would someone say, 'I can't afford it' or 'I can't do it' to something they want? Why would someone deny themselves the things they want? It makes no logical sense.

Whenever you give up an apartment in New York and move to another city, New York turns into the worst version of itself. Someone I know once wisely said that the expression "It's a nice place to visit, but I wouldn't want to live there" is completely wrong where New York is concerned; the opposite is true. New York is a very livable city. But when you move away and become a vistor, the city seems to turn against you. It's much more expensive (because you need to eat all your meals out and pay for a place to sleep) and much more unfriendly. Things change in New York; things change all the time. You don't mind this when you live here; when you live here, it's part of the caffeinated romance to this city that never sleeps. But when you move away, your experience change as a betrayal. You walk up Third Avenue planning to buy a brownie at a bakery you've always been loyal to, and the bakery's gone. Your dry cleaner move to Florida; your dentist retires; the lady who made the pies on West Fourth Street vanishes; the maitre d' at P.J. Clarke's quits, and you realize you're going to have to start from scratch tipping your way into the heart of the cold, chic young woman now at the down. You've turned your back from only a moment, and suddenly everything's different. You were an insider, a native, a subway traveler, a purveyor of inside tips into the good stuff, and now you're just another frequent flyer, stuck in a taxi on Grand Central Parkway as you wing in and out of La Guardia. Meanwhile, you rad that Manhattan rents are going up, they're climbing higher, they're reached the stratosphere. It seems that the moment you left town, they put a wall around the place, and you will never manage to vault over it and get back into the city again.

The worst thing a company can do is kill off the creative energy of its young and talented people. The second worst thing is to blindly walk into avoidable traps that a wise senior employee can help them foresee.

Some social ills are preserved by the common misbelief that things such as ignorance, greed, and stupidity do not have the stamina required to reach old age.

Loneliness tortures many if not most of the elderly more intensely and more frequently than it torments many if not most of us who will never be or have not yet been pushed or pulled into old age.

How most people carry on is a mystery. What they talk about at supper. How they can stand to sit in front of a TV from eight until Leno every night. How they can think bowling is fun. How they choose their neckties. How they bear the weight of everyday life without screaming. How a person can go through a whole life and never once contemplate suicide, like people who have never once wanted to be a movie star. How one young man can be handsome and strong and marry and heiress and work at Debevoise and Plimpton and retire to Nantucket to await the visits of his grandchildren, how they can be sailing in the bay while another young man, exactly like the first, can end up in a glass room in Lexington, Kentucky, on Haldol and Thorazine, without hope, without a girlfriend, without a future, and how easily the one can become the other. How one woman can take Gatorade to every one of her son's lacrosse games and another can lie in bed all day weeping, popping generic drugs, watching Oprah as though waiting for the Second Coming, and piling her dirty dishes in the laundry room. How life goes in bad directions when your heart is asleep. It's a mystery and there is no answer. (95)

It is their segnall for old Champelysied to seek the shades of his retirement and for young Chappielassies to tear a round and tease their partners lovesoftfun at Finnegan's Wake.

The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.

... we absolutely mustn't forget it. We mustn't forget old people with their rotten bodies, old people who are so close to death, something that young people don't want to think about (so it is to retirement homes that they entrust the care of accompanying their parents to the threshold, with no fuss or bother). And where's the joy in these final hours they ought to be making the most of? They're spent in boredom and bitterness, endlessly revisiting memories. We mustn't forget that our bodies decline, friends die, everyone forgets about us, and the end is solitude. Nor must we forget that these old people were young once, that a lifespan is pathetically short, that one day you're twenty and the next day you're eighty.

We retire too early and we die too young, our prime of life should be in the 70's and old age should not come until we are almost 100.

It is said: San Francisco is where young people go to retire.

Even idiots can reach old age.

How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.’ —Yuval Noah Harari, Sapiens: A Brief History of Humankind (2011)

On Tina’s wedding day, her mother pulled her great-grandmother’s veil over her daughter’s face and compared the whole thing to punching in at an undesirable job for a solid retirement package.

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.

When it came time to retire to his chamber for the night, the khan had his pick of beautiful young women, all of whom had been tested to make sure that they did not snore, have bad breath, or discharge any unpleasant body odors.

What well-to-do and once-young, once-beautiful woman or man, cranked up on hormonal supplements and shot full of vitamins but hampered by the unforgiving mirror, wouldn’t sell their house, their gated retirement villa, their kids, and their soul to get a second kick at the sexual can?

For one thing, most available jobs for undocumented immigrants are jobs Americans will not do, which takes healthy young migrants and makes them age terribly. At a certain point, manual labor is no longer possible. Aging undocumented people have no safety net. Even though half of undocumented people pay into Social Security, none are eligible for the benefits. They are unable to purchase health insurance. They probably don’t own their own homes. They don’t have 401(k)s or retirement plans of any kind. Meager savings, if any. Elderly people in general are susceptible to unscrupulous individuals taking advantage of them, and the undocumented community draws even more vultures. According to the Migration Policy Institute, around 10 percent of undocumented people are over fifty-five years old. This country takes their youth, their dreams, their labor, and spits them out with nothing to show for it.

Though I’ve never met a teacher who was not happy in retirement, I rarely meet one who thinks that their teaching life was not a grand way to spend a human life. The unhappy ones are the young ones, those who must teach in public schools when the whole nation seems at war with the very essence of teaching.

My master likewise mentioned another Quality which his Servants had discovered in several Yahoos, and to him was wholly unaccountable. He said, a Fancy would sometimes take a Yahoo, to retire into a Corner, to lie down and howl, and groan, and spurn away all that came near him, although he were young and fat, wanted neither Food nor Water; nor did the Servants imagine what could possibly ail him. And the only Remedy they found was to set him to hard Work, after which he would infallibly come to himself. To this I was silent out of Partiality to my own Kind; yet here I could plainly discover the true Seeds of Spleen, which only seizeth on the Lazy, the Luxurious, and the Rich; who, if they were forced to undergo the same Regimen I would undertake for the Cure.

So we have in this summer of 1996, rerun or not, and as always, faithless custodians of capital making themselves multimillionaires and multibillionaires, while playing beanbag with money better spent on creating meaningful jobs and training people to fill them, and raising our young and retiring our old in surroundings of respect and safety.

Being younger than someone has the tendency to leave you with the belief that you will outlive them.

Don’t be modest and retiring, Anne. It will get you nowhere.

You know you are getting old when everyone else looks young.

An entrepreneur can make money out of nothing.

People did not always realize how observant he was. “His eyes retire inward . . . and have nothing of fire or animation or openness in their expression,” said Edward Thornton, a young British diplomat, who added that Washington “possesses the two great requisites of a statesman, the faculty of concealing his own sentiments, and of discovering those of other men.

Slowly the poison the whole blood stream fills. It is not the effort nor the failure tires. The waste remains, the waste remains and kills. It is not your system or clear sight that mills Down small to the consequence a life requires; Slowly the poison the whole blood stream fills. They bled an old dog dry yet the exchange rills Of young dog blood gave but a month's desires. The waste remains, the waste remains and kills. It is the Chinese tombs and the slag hills Usurp the soil, and not the soil retires. Slowly the poison the whole blood stream fills. Not to have fire is to be a skin that shrills. The complete fire is death. From partial fires The waste remains, the waste remains and kills. It is the poems you have lost, the ills From missing dates, at which the heart expires. Slowly the poison the whole blood stream fills. The waste remains, the waste remains and kills. - 'Missing Dates

Edmondson has incisively discussed the ways college campuses have grown akin to upscale retirement homes for the very young, where the promise of intellectually demanding courses ranks far below the lure of new gymnastic facilities.

Young Adam was always an obedient child. Something in him shrank from violence, from contention, from the silent shrieking tensions that can rip at a house. He contributed to the quiet he wished for by offering no violence, no contention, and to do this he had to retire into secretness, since there is some violence in everyone. He covered his life with a veil of vagueness, while behind his quiet eyes a rich full life went on. This did not protect him from assault but it allowed him an immunity.

According to Father O’Dowd’s description, the seminary catered to both ends of the religious life, training the next crop of young men taking holy orders and providing a retirement home for those closer to discovering if they’d backed the right horse.

There are business and investment opportunities coming that will create bigger fortunes than the automobile did for Henry Ford, oil did for John D. Rockefeller, computers did for Bill Gates, and the Internet did for the young founders of Yahoo, Google, and Facebook.

Social Security and Medicare were sold to the public as insurance programs. They are not. As such, they now rely mostly on the “contributions” of younger workers and massive federal borrowing to subsidize them. Despite repeated and dire warnings about their unsustainable fiscal condition from the trustees appointed to oversee them, younger workers are compelled to continue to pay into these programs, from which they are unlikely to benefit upon their retirement and for which future generations will bear the brunt of their eventual collapse.

The secret lies in the method of work; in taking advantage of as much time as possible for the activity; in not retiring for the day until at least two or three hours are dedicated to the task; in wisely constructing a dike in front of the intellectual dispersion and waste of time required by social activity; and finally, in avoiding as much as possible the malicious gossip of the café and other entertainment—which squanders our nervous energy (sometimes even causing disgust) and draws us away from our main task with childish conceits and futile pursuits.

It must not,’ said the Muskrat. ‘If I had killed myself, of course, it wouldn’t have mattered. But imagine if your young persons had seen me! Now, however, I intend to retire to a deserted spot and live a life of loneliness and peace, giving up everything. I have made up my mind once and for all.

It must not,’ said the Muskrat. ‘If I had killed myself, of course, it wouldn’t have mattered. But imagine if the your young persons had seen me! Now, however, I intend to retire to deserted spot and live a life of loneliness and peace, giving up everything. I have made up my mind once and for all.

Two-year-old Christine Hanson and four-year-old Juliana McCourt would never visit Disneyland. Neither they nor David Gamboa-Brandhorst would know first days of school, first loves, or any other milestone, from triumph to heartbreak, of a full life. Andrea LeBlanc would never again travel the world with her gregarious, pacifist husband, Bob. Julie Sweeney wouldn’t bear children, grow old, and feel safe with her confident warrior husband, Brian. Delayed passengers wouldn’t hear recitals of Forrest Gump dialogue from Captain Victor Saracini. First Officer Michael Horrocks’s daughter wouldn’t rise from bed with the promise that her daddy loved her to the moon. Ace Bailey and Mark Bavis would never again share their gifts with young hockey players or with their own families. Retired nurse Touri Bolourchi, who’d fled Iran and the Ayatollah Khomeini, wouldn’t see her grandsons grow up as Americans.

There is a whole generation of young people just like us wandering around Europe and the rest of the world, trying to find some meaning for why they are alive and what they should choose to do with their time. When Martha leaves and we sit in front of the fire in the living room, I look to Lily until she turns to me and I can see the grief that hides just under the surface of her expression. We are, or at least were, two of those lost souls: wanderers, backpackers, season workers, Wwoofers, Workawayers, travellers: searching the world for something or someplace to hold on to. And we have come home not because we have retired from trying to find answers and are ready to settle into adulthood, but because my death has come upon us fast and unexpected. I am not the first person of this generation of travellers- or any person who lives in this godless, superficial society- to die. But I think that it feels to Lily and to me, my mother too perhaps, that I may very well be.

Mountain of the young gods" in the environs of Kadesh, and two peaks of El and Asherah—Shad Elim, Shad Asherath u Rahim—in the south of the peninsula. It was to that area at mebokh naharam ("Where the two bodies of water begin"), kerev apheq tehomtam ("Near the cleft of the two seas") that El had retired in his old age. The texts, we believe, describe the southern tip of the Sinai peninsula. There was, we conclude, a Gateway Mount on the perimeter of the Spaceport in the Central Plain. And there were two peaks in the peninsula's southern tip that also played a role in the comings and goings of the Nefilim. They were the two peaks that measured up.

The three Coffeehouse Investor principles offer a sensible starting point for a young college graduate who is starting to contribute to a company-sponsored retirement account. All it takes is a commitment to save and an investment in one simple index fund to build wealth, ignore Wall Street, and get on with your life. Time is on your side.   On

Oh, M. de Villefort," cried a beautiful creature, daughter to the Comte de Salvieux, and the cherished friend of Mademoiselle de Saint-Meran, "do try and get up some famous trial while we are at Marseille. I never was in a law-court; I am told it is so very amusing!" "Amusing, certainly," replied the young man, "inasmuch as, instead of shedding tears as at the fictitious tale of woe produced at a theatre, you behold in a law-court a case of real and genuine distress - a drama of life. The prisoner whom you there see pale, agitated, and alarmed, instead of - as is the case when a curtain falls on a tragedy - going home to sup peacefully with his family, and then retiring to rest, that he may recommence his mimic woes on the morrow, - is removed from your sight merely to be reconducted to his prison and delivered up to the executioner. I leave you to judge how far your nerves are calculated to bear you through such a scene. Of this, however, be assured, that should any favorable opportunity present itself, I will not fail to offer you the choice of being present.

forever. To create a family with a spouse is one of the most fundamental ways a person can find continuity and meaning in American (or any) society. I rediscover this truth every time I go to a big reunion of my mother’s family in Minnesota and I see how everyone is held so reassuringly in their positions over the years. First you are a child, then you are a teenager, then you are a young married person, then you are a parent, then you are retired, then you are a grandparent—at every stage you know who you are, you know what your duty is and you know where to sit at the reunion. You sit with the other children, or teenagers, or young parents, or retirees. Until at last you are sitting with the ninety-year-olds in the shade, watching over your progeny with satisfaction.

...] and there, retiring into a corner, called up before his mind’s eye a vast amphitheatre of faces over which a dusky curtain had hung for many years. [...] There were the faces of friends, and foes, and of many that had been almost strangers peering intrusively from the crowd; there were the faces of young and blooming girls that were now old women; there were faces that the grave had changed and closed upon, but which the mind, superior to its power, still dressed in their old freshness and beauty, calling back the lustre of the eyes, the brightness of the smile, the beaming of the soul through its mask of clay, and whispering of beauty beyond the tomb, changed but to be heightened, and taken from earth only to be set up as a light, to shed a soft and gentle glow upon the path to Heaven.

If the adoption of ploughing increased a village's population from a hundred to 110, which ten people would have volunteered to starve so that the others could go back to the good old time? There was no going back. The trap snapped shut. The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have take demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad.

Did you just spit on your hand before you patted down my hair?” he asked indignantly. “Oh, I did no such thing. Now be still. Of all the rude, impertinent accusations to make! Bend down lower. I will have you know that members of the aristocracy do not have ‘spit’ as you crudely refer to it, young man. We do not acknowledge saliva in any form. Straighten your collar. There, you look nearly presentable.” She grumbled in aggravation, “Do you even own a brush?” Grabbing his chin, she brusquely turned his face from side to side. “For heaven’s sake, Richard, what did you use to shave—a shovel?” “Leave now, Catherine, and I may spare your life.” There was a moment of quiet from behind the door. “Go, woman! I intend to begin ravishing my wife shortly; however, I will not even consider it before I see that little dwarflike body of yours waddling down this corridor! Away with you! Shoo!” “Oh, all right!” she finally capitulated. “By the way, mon chou, I should tell you that when you two finally get around to reconciling and retire upstairs, Amanda is occupying the large blue suite down the east corridor, not your usual bachelor room at the end of the west corridor.” She reached up to kiss his offered cheek then turned on her heels to leave. “You have finally earned an upgrade in accommodations, Richard. Well done, you.

conversation. In Laches, he discusses the meaning of courage with a couple of retired generals seeking instruction for their kinsmen. In Lysis, Socrates joins a group of young friends in trying to define friendship. In Charmides, he engages another such group in examining the widely celebrated virtue of sophrosune, the “temperance” that combines self-control and self-knowledge. (Plato’s readers would know that the bright young man who gives his name to the latter dialogue would grow up to become one of the notorious Thirty Tyrants who briefly ruled Athens after its defeat by Sparta in the Peloponnesian War.) None of these dialogues reaches definite conclusions. They end in aporia, contradictions or other difficulties. The Socratic dialogues are aporetic: his interlocutors are left puzzled about what they thought they knew. Socrates’s cross-examination, or elenchus, exposes their ignorance, but he exhorts his fellows to

It pisses me off sometimes, thinking about everything he’s been through. He’s a good person. He really cares, and he tries. He never deserved any of it.” June leans forward, looking at the picture too. “Have you ever told him that?” “We don’t really…” Alex coughs. “I don’t know. Talk like that?” June inhales deeply and makes an enormous fart noise with her mouth, shattering the serious mood, and Alex is so grateful for it that he melts onto the floor in a fit of hysterical laughter. “Ugh! Men!” she groans. “No emotional vocabulary. I can’t believe our ancestors survived centuries of wars and plagues and genocide just to wind up with your sorry ass.” She throws a pillow at him, and Alex scream-laughs as it hits him in the face. “You should try saying some of that stuff to him.” “Stop trying to Jane Austen my life!” he yells back. “Listen, it’s not my fault he’s a mysterious and retiring young royal and you’re the tempestuous ingénue that caught his eye, okay?

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.

Replaying in my mind the Martha Stewart, Leonidas Young, and Scooter Libby cases, I argued that if we weren’t going to hold retired generals and CIA directors accountable for blatantly lying during investigations, how could we justify jailing thousands of others for doing the same thing? I believed, and still believe, that Petraeus was treated under a double standard based on class. A poor person, an unknown person—say a young black Baptist minister from Richmond—would be charged with a felony and sent to jail.

The need for social interaction ... is very much a part of why women shop. All our interviewees commented at some point that social interaction was part of the shopping experience. Many people now live alone in 'dormitory' suburbs, are often working from home or in isolated jobs, may be home with young children or part of the aging population of retiring baby boomers. All these groups need social connection, and shopping strips and malls provide many opportunities for reliable, safe and interesting social connections.

Retired pastor Al Martin told me that he was frequently contacted by young pastors he had trained who were just months into their ministries. They would say: “Help, Pastor Martin! I can’t pray, I can’t study, I can’t sleep, I can’t go on. I think I’m going to have to resign.” “Here’s your problem,” Pastor Martin would calmly reply. “You’re trying to live like a disembodied angel rather than flesh-and-blood humanity. Here’s your solution: first, exercise vigorously three times a week. Second, take one full day off a week. And third, spend at least one evening a week with your wife.

Gen. Helmuth von Moltke, Chief of the German General Staff[1] from 1857 until his retirement in 1888, often related a story to junior members of his staff that described the essence of the German system of command. Following a battle, Prince Frederick Karl took a major aside and proceeded to reprimand the young officer for a tactical mistake. The major responded that he was following an order issued to him from a superior officer, which constituted the word of the king himself. The prince responded in kind, “‘His Majesty made you a major because he believed you would know when not to obey his orders.’”[2]

Many in the ruling generation have themselves become entrapped in economically unsustainable governmental schemes in which they are beneficiaries of and reliant on public programs, such as unfunded entitlements, to which they have contributed significantly into supposed “trust funds” and around which they have organized their retirement years. They also find self-deluding solace in the politically expedient and deceitful representations by the ruling class, which dismisses evidence of its own diversion and depletion of trust funds and its overall maladministration as the invention of doomsayers and scaremongers.

He says this episode will be about grief. About helping other people to mourn. He says that my family's involvement could really help other people in similar situations. All those viewers who thought they lost a family member to a famous serial killer, then are told 36 years later that DNA from the crime scene matches both that of a retired nurse and a man who was four years old at the time and grew up to murder his mother, I think. With less graciousness than I'd hoped to display, I ask if there's a reason why stories about the bizarre, violent deaths of young, good-looking, middle- to upper-class white girls help people mourn better than other stories.

I started by collecting copies of all the novels and short stories featuring him and piled them up beside my bed. I wanted to get to the very heart of what Dame Agatha thought of him and what he was really like, and to do that, I had to read every word his creator had ever written about him. I didn’t want my Poirot to be a caricature, something made up in a film or television studio, I wanted him to be real, as real as he was in the books, as real as I could possibly make him. The first thing I realised was that I was a slightly too young to play him. He was a retired police detective in his sixties when he first appeared in The Mysterious Affair at Styles, while I was in my early forties. Not only that, he was also described as a good deal fatter than I was. There was going to have to be some considerable padding, not to mention very careful make-up and costume, if I was going to convince the world that I was the great Hercule Poirot. Even more important, the more I read about him, the more convinced I became that he was a character that demanded to be taken seriously. He wasn’t a silly little man with a funny accent, any more than Sherlock Holmes was just a morphine addict with a taste for playing the violin. There was a depth and quality to the Poirot that Dame Agatha had created – and that was what I desperately wanted to bring to the screen.

remember seeing an episode of Golden Girls where Bea Arthur, who plays Dorothy, responds to a question from Rose, played by Betty White. “What do you want in your next husband?” asked Rose. And Dorothy says, “I want someone to grow old with.” That’s what most people don’t want. They want the young. They want the cute. When you get older, you change. You change physically. You change emotionally and a whole other area of life rears its head. Your body slows down, retirement; death becomes all too real. A lot of people are not in it for the long haul. They’re not in it for the changes the life journey brings—the health scares, death. I do want someone to grow old with. I understand those elements.

The trap snapped shut. The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.

The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away. One of history’s few iron laws

The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away. One of history’s few iron laws is that luxuries tend to become necessities and to spawn new obligations.

For some people, the transition to adulthood happens almost overnight. It certainly did with me. I’ve met other orphans. We are kids who can’t even pinpoint when this change happened. We have felt like old people since our fathers died. Our mothers looked to us for big decisions. They relied on us. Before we ever went out on our first date, we were already acting like a retired father of four. All our paychecks went toward rent. All our spare time went toward helping to keep a home fire burning. We got so good at pretending we were older than our age that we started to believe it. We begin to hate our own reflections because they betray how we see ourselves. The mirror portrays us too young. We are not children; we are ancient. We’re fifty years old thirty-five years before our fiftieth birthday.

To the door of an inn in the provincial town of N. there drew up a smart britchka—a light spring-carriage of the sort affected by bachelors, retired lieutenant-colonels, staff-captains, land-owners possessed of about a hundred souls, and, in short, all persons who rank as gentlemen of the intermediate category. In the britchka was seated such a gentleman—a man who, though not handsome, was not ill-favoured, not over-fat, and not over-thin. Also, though not over-elderly, he was not over-young. His arrival produced no stir in the town, and was accompanied by no particular incident, beyond that a couple of peasants who happened to be standing at the door of a dramshop exchanged a few comments with reference to the equipage rather than to the individual who was seated in it. "Look at that carriage," one of them said to the other. "Think you it will be going as far as Moscow?" "I think it will," replied his companion. "But not as far as Kazan, eh?" "No, not as far as Kazan." With that the conversation ended. Presently, as the britchka was approaching the inn, it was met by a young man in a pair of very short, very tight breeches of white dimity, a quasi-fashionable frockcoat, and a dickey fastened with a pistol-shaped bronze tie-pin. The young man turned his head as he passed the britchka and eyed it attentively; after which he clapped his hand to his cap (which was in danger of being removed by the wind) and resumed his way. On the vehicle reaching the inn door, its occupant found standing there to welcome him the polevoi, or waiter, of the establishment—an individual of such nimble and brisk movement that even to distinguish the character of his face was impossible. Running out with a napkin in one hand and his lanky form clad in a tailcoat, reaching almost to the nape of his neck, he tossed back his locks, and escorted the gentleman upstairs, along a wooden gallery, and so to the bedchamber which God had prepared for the gentleman's reception. The said bedchamber was of quite ordinary appearance, since the inn belonged to the species to be found in all provincial towns—the species wherein, for two roubles a day, travellers may obtain a room swarming with black-beetles, and communicating by a doorway with the apartment adjoining. True, the doorway may be blocked up with a wardrobe; yet behind it, in all probability, there will be standing a silent, motionless neighbour whose ears are burning to learn every possible detail concerning the latest arrival. The inn's exterior corresponded with its interior. Long, and consisting only of two storeys, the building had its lower half destitute of stucco; with the result that the dark-red bricks, originally more or less dingy, had grown yet dingier under the influence of atmospheric changes. As for the upper half of the building, it was, of course, painted the usual tint of unfading yellow. Within, on the ground floor, there stood a number of benches heaped with horse-collars, rope, and sheepskins; while the window-seat accommodated a sbitentshik[1], cheek by jowl with a samovar[2]—the latter so closely resembling the former in appearance that, but for the fact of the samovar possessing a pitch-black lip, the samovar and the sbitentshik might have been two of a pair.

Speaking generally, sociability stands in inverse ratio with age. A little child raises a piteous cry of fright if it is left alone for only a few minutes; and later on, to be shut up by itself is a great punishment. Young people soon get on very friendly terms with one another; it is only the few among them of any nobility of mind who are glad now and then to be alone;—but to spend the whole day thus would be disagreeable. A grown-up man can easily do it; it is little trouble to him to be much alone, and it becomes less and less trouble as he advances in years. An old man who has outlived all his friends, and is either indifferent or dead to the pleasures of life, is in his proper element in solitude; and in individual cases the special tendency to retirement and seclusion will always be in direct proportion to intellectual capacity. For

The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away. One of history’s few iron laws is that luxuries tend to become necessities and to spawn new obligations. Once people get used to a certain luxury, they take it for granted. Then they begin to count on it.

It is certainly our duty to avoid all appearance of evil, and to be ashamed to give occasion even to be reputed vicious; yet evil reports are so inconsiderable to a wise man, that, if he have a greater aversion to the nature of evil than to the infamy that attends it, he will not fear what is said of him abroad, nor what calumnies are raised, if so be he be made the better by them. It was handsomely said of Diogenes, when he saw a young spark coming out of a tavern, who at the sight of him drew back: Do not retire, says he, for the more you go backward, the more you will be in the tavern. Even so every vicious person, the more he denies and palliates vice, the more aggravates and confirms it, and with surer footing goes farther into wickedness; like some persons of ordinary rank and quality, who, while they assume above themselves, and out of arrogance would be thought rich, are made really poor and necessitous, by pretending to be otherwise.

For the first time, people who are retiring today will receive less in benefits than they paid into the system in taxes. A lot of factors are involved in making these comparisons, of course, such as how long someone lives after retirement, how much they earned and thus paid into “the system,” when they decided to start receiving benefits, and so forth. (Incidentally, Social Security itself is very complicated. The Social Security Handbook “has 2,728 separate rules governing its benefits. And it has thousands upon thousands of explanations of those rules in its Program Operating Manual System.”)11 But in 2011, the Urban Institute found that a married couple who earned average lifetime salaries retiring that year had paid about $598,000 in Social Security taxes during their working years. However, they can only expect to receive about $556,000 in lifetime retirement benefits, assuming the husband lives to eighty-two and the wife lives to eighty-five.

I can hardly believe that our nation’s policy is to seek peace by going to war. It seems that President Donald J. Trump has done everything in his power to divert our attention away from the fact that the FBI is investigating his association with Russia during his campaign for office. For several weeks now he has been sabre rattling and taking an extremely controversial stance, first with Syria and Afghanistan and now with North Korea. The rhetoric has been the same, accusing others for our failed policy and threatening to take autonomous military action to attain peace in our time. This gunboat diplomacy is wrong. There is no doubt that Secretaries Kelly, Mattis, and other retired military personnel in the Trump Administration are personally tough. However, most people who have served in the military are not eager to send our young men and women to fight, if it is not necessary. Despite what may have been said to the contrary, our military leaders, active or retired, are most often the ones most respectful of international law. Although the military is the tip of the spear for our country, and the forces of civilization, it should not be the first tool to be used. Bloodshed should only be considered as a last resort and definitely never used as the first option. As the leader of the free world, we should stand our ground but be prepared to seek peace through restraint. This is not the time to exercise false pride! Unfortunately the Trump administration informed four top State Department management officials that their services were no longer needed as part of an effort to "clean house." Patrick Kennedy, served for nine years as the “Undersecretary for Management,” “Assistant Secretaries for Administration and Consular Affairs” Joyce Anne Barr and Michele Bond, as well as “Ambassador” Gentry Smith, director of the Office for Foreign Missions. Most of the United States Ambassadors to foreign countries have also been dismissed, including the ones to South Korea and Japan. This leaves the United States without the means of exercising diplomacy rapidly, when needed. These positions are political appointments, and require the President’s nomination and the Senate’s confirmation. This has not happened! Moreover, diplomatically our country is severely handicapped at a time when tensions are as hot as any time since the Cold War. Without following expert advice or consent and the necessary input from the Unites States Congress, the decisions are all being made by a man who claims to know more than the generals do, yet he has only the military experience of a cadet at “New York Military Academy.” A private school he attended as a high school student, from 1959 to 1964. At that time, he received educational and medical deferments from the Vietnam War draft. Trump said that the school provided him with “more training than a lot of the guys that go into the military.” His counterpart the unhinged Kim Jong-un has played with what he considers his country’s military toys, since April 11th of 2012. To think that these are the two world leaders, protecting the planet from a nuclear holocaust….

Patočka used to say that the most interesting thing about responsibility is that we carry it with us everywhere. That means that responsibility is ours, that we must accept it and grasp it here, now, in this place in time and space where the Lord has set us down, and that we cannot lie our way out of it by moving somewhere else, whether it be to an Indian ashram or to a parallel polis. If Western young people so often discover that retreat to an Indian monastery fails them as an individual or group solution, then this is obviously because, and only because, it lacks that element of universality, since not everyone can retire to an ashram. Christianity is an example of an opposite way out: it is a point of departure for me here and now-but only because anyone, anywhere, at any time, may avail themselves of it. In other words, the parallel polis points beyond itself and makes sense only as an act of deepening one's responsibility to and for the whole, as a way of discovering the most appropriate locus for this responsibility, not as an escape from it.

Rarely in military history has there been so high a turnover of generals as in France in the 1790s. It meant that capable young men could advance through the ranks at unprecedented speed. The Terror, emigration, war, political purges, disgrace after defeat, political suspicion and scapegoating, on top of all the normal cases of resignation and retirement, meant that men like Lazare Hoche, who was a corporal in 1789, could be a general by 1793, or Michel Ney, a lieutenant in 1792, could become one by 1796. Napoleon’s rise through the ranks was therefore by no means unique given the political and military circumstances of the day.73 Still, his progress was impressive: he had spent five and a half years as a second-lieutenant, a year as a lieutenant, sixteen months as a captain, only three months as a major and no time at all as a colonel. On December 22, 1793, having been on leave for fifty-eight of his ninety-nine months of service – with and without permission – and after spending less than four years on active duty, Napoleon was made, at twenty-four, a general.

I see an actress smoking a cigarette in an old Fred McMurray movie. She’s clever and beautiful and manipulative. I feel envy. I suddenly wish I smoked cigarettes and was as clever and beautiful and manipulative as she. I want to be that way at the restaurants I visit, as I’m walking to my car, with certain friends who might understand. The actress has played her part well; she’s made me want to emulate her base desires if only for a while. Does that make me impressionable, a fool, or someone who will recognize the deepest secrets of her heart? I fight hard to stay young—to keep the lines from further etching my face and hands and breasts, presumably to trick the world into believing I am young. I’m an actress playing a part. I’m afraid to tell the truth. I fear losing those younger or becoming those older. In the presence of youth, a sort of unseen age-osmosis occurs within me. The years drop away and I don’t want to leave. It’s utterly selfish but I don’t care. After all, I’m no older than they—I’ve just been so longer. I was nineteen only yesterday and they don’t retire nineteen-year-old actresses.

William H. Willimon tells the story of a group of ministers debating the morality of abortion. One of the ministers argues that abortion is justified in some cases because young teenage girls cannot possibly be expected to raise children by themselves. But a black minister, the pastor of a large African American congregation, takes the other side of the question. “We have young girls who have this happen to them. I have a fourteen year old in my congregation who had a baby last month. We’re going to baptize the child next Sunday,” he added. “Do you really think that she is capable of raising a little baby?” another minister asked. “Of course not,” he replied. No fourteen year old is capable of raising a baby. For that matter, not many thirty year olds are qualified. A baby’s too difficult for any one person to raise by herself.” “So what do you do with babies?” they asked. “Well, we baptize them so that we all raise them together. In the case of that fourteen year old, we have given her baby to a retired couple who have enough time and enough wisdom to raise children. They can then raise the mama along with her baby. That’s the way we do it.

Vague assertions as to the equality of the sexes and the similarity of their duties are only empty words; they are no answer to my argument. It is a poor sort of logic to quote isolated exceptions against laws so firmly established. Women, you say, are not always bearing children. Granted; yet that is their proper business. Because there are a hundred or so of large towns in the world where women live licentiously and have few children, will you maintain that it is their business to have few children? And what would become of your towns if the remote country districts, with their simpler and purer women, did not make up for the barrenness of your fine ladies? There are plenty of country places where women with only four or five children are reckoned unfruitful. In conclusion, although here and there a woman may have few children, what difference does it make? Is it any the less a woman's business to be a mother? And do not the general laws of nature and morality make provision for this state of things? Even if there were these long intervals, which you assume, between the periods of pregnancy, can a woman suddenly change her way of life without danger? Can she be a nursing mother to-day and a soldier tomorrow? Will she change her tastes and her feelings as a chameleon changes his color? Will she pass at once from the privacy of household duties and indoor occupations to the buffeting of the winds, the toils, the labors, the perils of war? Will she be now timid, now brave, now fragile, now robust? If the young men of Paris find a soldier's life too hard for them, how would a woman put up with it, a woman who has hardly ventured out of doors without a parasol and who has scarcely put a foot to the ground? Will she make a good soldier at an age when even men are retiring from this arduous business? There are countries, I grant you, where women bear and rear children with little or no difficulty, but in those lands the men go half-naked in all weathers, they strike down the wild beasts, they carry a canoe as easily as a knapsack, they pursue the chase for 700 or 800 leagues, they sleep in the open on the bare ground, they bear incredible fatigues and go many days without food. When women become strong, men become still stronger; when men become soft, women become softer; change both the terms and the ratio remains unaltered.

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.

But because," he continues, "in this mad world of ambition where chicanery so frequently twists right into wrong, simplicity is hardly safe, and is always sure to meet with more that hinders than helps it, we ought indeed to withdraw from the forum and public life, but a great mind has an opportunity to display itself freely even in private life; nor, just as the activity of lions and animals is restrained by their dens, is it so of man's, whose greatest achievements are wrought in retirement. Let a man, however, hide himself away bearing in mind that, wherever be secretes his leisure, he should be willing to benefit the individual man and mankind by his intellect, his voice, and his counsel. For the man that does good service to the state is not merely he who brings forward candidates and defends the accused and votes for peace and war, but he also who admonishes young men, who instills virtue into their minds, supplying the great lack of good teachers, who lays hold upon those that are rushing wildly in pursuit of money and luxury, and draws them back, and, if he accomplishes nothing else, at least retards them — such a man performs a public service even in private life.

In a traditional society, individuals are aware that they will need children to support them in the future, and so will spend their healthy young years starting a family and investing in giving their children the best life possible. But if long-term investment in general is disincentivized, if saving is likely to be counterproductive as money depreciates, this investment becomes less profitable. Further, as politicians sell people the lie that eternal welfare and retirement benefits are possible through the magic of the monetary printing press, the investment in a family becomes less and less valuable. Over time, the incentive to start a family declines and more and more people end up leading single lives. More marriages are likely to break down as partners are less likely to put in the necessary emotional, moral, and financial investment to make them work, while marriages that do survive will likely produce fewer children. The well-known phenomenon of the modern breakdown of the family cannot be understood without recognizing the role of unsound money allowing the state to appropriate many of the essential roles that the family has played for millennia, and reducing the incentive of all members of a family to invest in long-term familial relations.

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.

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!

Haydée became pale, and lifting her transparent hands to heaven, exclaimed in a voice stifled with tears, “Then you leave me, my lord?” “Haydée, Haydée, you are young and beautiful; forget even my name, and be happy.” “It is well,” said Haydée; “your order shall be executed, my lord; I will forget even your name, and be happy.” And she stepped back to retire. “Oh, heavens,” exclaimed Valentine, who was supporting the head of Morrel on her shoulder, “do you not see how pale she is? Do you not see how she suffers?” Haydée answered with a heartrending expression, “Why should he understand this, my sister? He is my master, and I am his slave; he has the right to notice nothing.” The count shuddered at the tones of a voice which penetrated the inmost recesses of his heart; his eyes met those of the young girl and he could not bear their brilliancy. “Oh, heavens,” exclaimed Monte Cristo, “can my suspicions be correct? Haydée, would it please you not to leave me?” “I am young,” gently replied Haydée; “I love the life you have made so sweet to me, and I should be sorry to die.” “You mean, then, that if I leave you, Haydée——” “I should die; yes, my lord.” “Do you then love me?” “Oh, Valentine, he asks if I love him. Valentine, tell him if you love Maximilian.” The count felt his heart dilate and throb; he opened his arms, and Haydée, uttering a cry, sprang into them. “Oh, yes,” she cried, “I do love you! I love you as one loves a father, brother, husband! I love you as my life, for you are the best, the noblest of created beings!

Hardy reinforces his narrative with stories of heroes who didn’t have the right education, the right connections, and who could have been counted out early as not having the DNA for success: “Richard Branson has dyslexia and had poor academic performance as a student. Steve Jobs was born to two college students who didn’t want to raise him and gave him up for adoption. Mark Cuban was born to an automobile upholsterer. He started as a bartender, then got a job in software sales from which he was fired.”8 The list goes on. Hardy reminds his readers that “Suze Orman’s dad was a chicken farmer. Retired General Colin Powell was a solid C student. Howard Schultz, the CEO of Starbucks, was born in a housing authority in the Bronx … Barbara Corcoran started as a waitress and admits to being fired from more jobs than most people hold in a lifetime. Pete Cashmore, the CEO of Mashable, was sickly as a child and finished high school two years late due to medical complications. He never went to college.” What do each of these inspiring leaders and storytellers have in common? They rewrote their own internal narratives and found great success. “The biographies of all heroes contain common elements. Becoming one is the most important,”9 writes Chris Matthews in Jack Kennedy, Elusive Hero. Matthews reminds his readers that young John F. Kennedy was a sickly child and bedridden for much of his youth. And what did he do while setting school records for being in the infirmary? He read voraciously. He read the stories of heroes in the pages of books by Sir Walter Scott and the tales of King Arthur. He read, and dreamed of playing the hero in the story of his life. When the time came to take the stage, Jack was ready.

General Mario Vargas Salinas, now retired from Bolivia’s Eighth Army Division, was one of the young army officers present at Guevara’s burial. It was his duty to accompany an old dump truck carrying the bodies of the six dead rebels, including that of “Che” Guevara, to the airstrip in Vallegrande, Bolivia. Knowing that the facts surrounding the burials were leaking out, he decided that after 28 years the world should know what had happened to “Che” Guevara’s body. At the time, Captain Vargas, who had also led the ambush in which Tamara “Tania” Bunke, Guevara’s lover, was shot dead, said that Guevara was buried early on the morning of October 11th, 1967, at the end of the town’s landing strip. After the gruesome facts became known, the Bolivian government ordered the army to find Guevara's remains for a proper burial. General Gary Prado Salmón, retired, had been the commander of the unit that had captured Guevara. He confirmed General Vargas’ statement and added that the guerrilla fighters had been burned, before dumping their bodies into a mass grave, dug by a bulldozer, at the end of the Vallegrande airstrip. He explained that the body of “Che” Guevara had been buried in a separate gravesite under the runway. The morning after the burials, “Che” Guevara’s brother arrived in Vallegrande, hoping to see his brother’s remains. Upon asking, he was told by the police that it was too late. Talking to some of the army officers, he was told lies or perhaps just differing accounts of the burial, confusing matters even more. The few peasants that were involved and knew what had happened were mysteriously unavailable. Having reached a dead end, he left for Buenos Aires not knowing much more than when he arrived….

On the contrary, we absolutely mustn’t forget it. We mustn’t forget old people with their rotten bodies, old people who are so close to death, something that young people don’t want to think about (so it is to retirement homes that they entrust the care of accompanying their parents to the threshold, with no fuss or bother). And where’s the joy in these final hours that they ought to be making the most of? They’re spent in boredom and bitterness, endlessly revisiting memories. We mustn’t forget that our bodies decline, friends die, everyone forgets about us, and the end is solitude. Nor must we forget that these old people were young once, that a lifespan is pathetically short, that one day you’re twenty and the next day you’re eighty. Colombe thinks you can “hurry up and forget” because it all seems so very far away to her, the prospect of old age, as if it were never going to happen to her. But just by observing the adults around me I understood very early on that life goes by in no time at all, yet they’re always in such a hurry, so stressed out by deadlines, so eager for now that they needn’t think about tomorrow . . . But if you dread tomorrow, it’s because you don’t know how to build the present, and when you don’t know how to build the present, you tell yourself you can deal with it tomorrow, and it’s a lost cause anyway because tomorrow always ends up becoming today, don’t you see? So, we mustn’t forget any of this, absolutely not. We have to live with the certainty that we’ll get old and that it won’t look nice or be good or feel happy. And tell ourselves that it’s now that matters: to build something, now, at any price, using all our strength. Always remember that there’s a retirement home waiting somewhere and so we have to surpass ourselves every day, make every day undying. Climb our own personal Everest and do it in such a way that every step is a little bit of eternity. That’s what the future is for: to build the present, with real plans, made by living people.

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

13 juillet. Non, je ne me trompe pas ; je lis dans ses yeux noirs un véritable intérêt pour ma personne et pour mon sort. Je le sens, et, là-dessus, j’ose me fier à mon cœur, elle…. Oh ! pourrai-je, oserai-je exprimer en ces mots le bonheur céleste ?… Je sens que je suis aimé. Je suis aimé !… Et combien je me deviens cher à moi-même, combien…. J’ose te le dire, tu sauras me comprendre. Combien je suis relevé à mes propres yeux.depuis que j’ai son amour !…. Est-ce de la présomption ou le sentiment de ce que nous sommes réellement l’un pour l’autre ?… Je ne connais pas d’homme dont je craigne quelque chose dans le cœur de Charlotte, et pourtant, lorsqu’elle parle de son fiancé, qu’elle en parle avec tant de chaleur, tant d’amour…. je suis comme le malheureux que l’on dépouille de tous ses honneurs et ses titres, et à qui l’on retire son épée. 16 juillet. Ah ! quel frisson court dans toutes mes veines, quand, par mégarde, mes doigts touchent les siens, quand nos pieds se rencontrent sous la table ! Je me retire comme du feu, et une force secrète m’attire de nouveau…. Le vertige s’empare de tous mes sens. Et son innocence, son âme candide, ne sent pas combien ces petites familiarités me font souffrir. Si, dans la conversation, elle pose sa main sur la mienne, et si, dans la chaleur de l’entretien, elle s’approche de moi, en sorte que son haleine divine vienne effleurer mes lèvres…. je crois mourir, comme frappé de la foudre…. Wilhelm, et ce ciel, cette confiance, si j’ose jamais…. Tu m’entends…. Non, mon cœur n’est pas si corrompu. Faible ! bien faible !…. Et n’est-ce pas de la corruption ? Elle est sacrée pour moi. Tout désir s’évanouit en sa présence. Je ne sais jamais ce que j’éprouve, quand je suis auprès d’elle. Je crois sentir mon âme se répandre dans tous mes nerfs…. Elle a une mélodie, qu’elle joue sur le clavecin avec l’expression d’un ange, si simple et si charmante !… C’est son air favori : il chasse loin de moi troubles, peines, soucis, aussitôt qu’elle attaque la première note. De tout ce qu’on rapporte sur l’antique magie de la musique, rien n’est invraisemblable pour moi. Comme ce simple chant me saisit ! et comme souvent elle sait le faire entendre, à l’instant même où je m’enverrais volontiers une balle dans la tête !… le trouble et les ténèbres de mon âme se dissipent, et je respire plus librement.

Little Robin had been brought by Lord Orthallen—although he had the feeling that his lord did not realize it. The boy was a part of his household, though Orthallen seemed to have long since forgotten the fact; and when the order came to pack up the household and move to the Border, Robin found himself in the tail of the baggage train, with no small bewilderment. He'd been at a loss in the encampment, wandering about until someone had seen him and realized that a small child had no place in a camp preparing for warfare. So he was sent packing; first off with Elspeth, then pressed into service by the Healers. They'd set him to fetching and carrying for Dirk, thinking that the child was far too young to be able to pick anything up from the casual talk around him, and that Dirk wouldn't think to interrogate a child as young as he. They were wrong on both counts. Robin was very much aware of what was going on—not surprising, since it concerned his adored Talia. He was worried sick, and longing for an adult to talk to. And Dirk was kind and gentle with him—and had he but known it, desperate enough for news to have questioned the rats in the walls if he thought it would get him anywhere. Dirk knew all about Robin and his adoration of Talia. If anyone knew where she was being kept and what her condition was, that boy would. Dirk bided his time. Eventually the Healers stopped overseeing his every waking moment. Finally there came a point when they began leaving him alone for hours at a time. He waited then, until Robin was sent in alone with his lunch—alone, unsupervised, and more than willing to talk—and put the question to him. Dirk had no intention of frightening the boy, and his tone was gentle, "I need your help. The Healers won't answer my questions, and I need to know about Talia." Robin had turned back with his hand still on the doorknob; at the mention of Talia's name, his expression was one of distress. "I'll tell you what I know, sir," he replied, his voice quavering a little. "But she's hurt real bad and they won't let anybody but Healers see her." "Where is she? Do you have any idea who's taking care of her?" The boy not only knew where she was, but the names and seniority of every Healer caring for her—and the list nearly froze Dirk's heart. They'd even pulled old Farnherdt out of retirement—and he'd sworn that no case would ever be desperate enough for them to call on him.

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.

You break her heart, and you’ll have to deal with me and her three brothers, and if you survive that, Her Grace will ensure your social ruin unto the nineteenth generation. I remind you, all of my boys are crack shots and more than competent with a sword.” “It is not my intention to break her heart.” “Oh, it’s never our intention.” His Grace’s brows drew down in thought, and he was once again the affable paterfamilias. “Maggie is different. I hope that’s from being the oldest daughter, but her unfortunate origins are too obvious a factor to be dismissed. She’s in want of… dreams, I think. My other girls have dreams. Sophie dreamed of her own family, Jenny loves to paint, Louisa has her literary scribbling, and Evie must racket about the property as her brothers used to, but Maggie has never been a dreamer. Not about her first pony nor her first waltz nor her first… beau.” Nor her first lover. The words hung unspoken in the air while the fire crackled and hissed and a log fell amid a shower of sparks. It wasn’t what Ben would have expected any papa to say of his daughter, but then, marrying into a family meant details like this would be shared—Esther Windham misplaced her everyday jewels, and Percy thought his daughters should be entitled to dream. In a different way, it felt as if Ben were still lurking in doorways and climbing through windows, but this window was called marriage, and Maggie was trying to lock it shut with Ben on the outside. “I’m not sure Maggie wants to marry me.” It was as close as he’d come to touching on the circumstances of the betrothal. His Grace regarded him for a long moment. “I’m her papa, but I was a young man once, Hazelton. Maggie is only a bit younger than Devlin and a few months older than Bart would have been. When I married, I had no idea either of my two oldest progeny existed. I’d no sooner started filling my nursery when—before my heir was out of dresses—both women came forward, hurling accusations and threats. If my marriage can survive that onslaught, surely you can overcome a little stubbornness in my daughter?” It was, again, an insight into the Windham family Ben gained only because he was engaged to marry Maggie. Such confidences prompted a rare inclination toward direct speech. “I think Maggie’s dream is to be left alone. If she jilts me, she’ll have one more excuse to retire from life, to hide and tell herself she’s content.” “Content.” His Grace spat the word. “Bother content. Content is milk toast and pap when life is supposed to be a banquet. Make Maggie’s dreams come true, young Hazelton, and show her contentment is shoddy goods compared to happiness.” “You make it sound simple.” “We’re speaking of women and that particular subspecies of the genre referred to as wives. It is simple—devote yourself to her happiness, and you will be rewarded tenfold. I do not, however, say the undertaking will ever be easy.

A similar theological—and particularly ecclesiological—logic shapes the Durham Declaration, a manifesto against abortion addressed specifically to the United Methodist Church by a group of United Methodist pastors and theologians. The declaration is addressed not to legislators or the public media but to the community of the faithful. It concludes with a series of pledges, including the following: We pledge, with Cod’s help, to become a church that hospitably provides safe refuge for the so-called “unwanted child” and mother. We will joyfully welcome and generously support—with prayer, friendship, and material resources—both child and mother. This support includes strong encouragement for the biological father to be a father, in deed, to his child.27 No one can make such a pledge lightly. A church that seriously attempted to live out such a commitment would quickly find itself extended to the limits of its resources, and its members would be called upon to make serious personal sacrifices. In other words, it would find itself living as the church envisioned by the New Testament. William H. Willimon tells the story of a group of ministers debating the morality of abortion. One of the ministers argues that abortion is justified in some cases because young teenage girls cannot possibly be expected to raise children by themselves. But a black minister, the pastor of a large African American congregation, takes the other side of the question. “We have young girls who have this happen to them. I have a fourteen year old in my congregation who had a baby last month. We’re going to baptize the child next Sunday,” he added. “Do you really think that she is capable of raising a little baby?” another minister asked. “Of course not,” he replied. No fourteen year old is capable of raising a baby. For that matter, not many thirty year olds are qualified. A baby’s too difficult for any one person to raise by herself.” “So what do you do with babies?” they asked. “Well, we baptize them so that we all raise them together. In the case of that fourteen year old, we have given her baby to a retired couple who have enough time and enough wisdom to raise children. They can then raise the mama along with her baby. That’s the way we do it.”28 Only a church living such a life of disciplined service has the possibility of witnessing credibly to the state against abortion. Here we see the gospel fully embodied in a community that has been so formed by Scripture that the three focal images employed throughout this study can be brought to bear also on our “reading” of the church’s action. Community: the congregation’s assumption of responsibility for a pregnant teenager. Cross: the young girl’s endurance of shame and the physical difficulty of pregnancy, along with the retired couple’s sacrifice of their peace and freedom for the sake of a helpless child. New creation: the promise of baptism, a sign that the destructive power of the world is broken and that this child receives the grace of God and hope for the future.29 There, in microcosm, is the ethic of the New Testament. When the community of God’s people is living in responsive obedience to God’s Word, we will find, again and again, such grace-filled homologies between the story of Scripture and its performance in our midst.

Performance measure. Throughout this book, the term performance measure refers to an indicator used by management to measure, report, and improve performance. Performance measures are classed as key result indicators, result indicators, performance indicators, or key performance indicators. Critical success factors (CSFs). CSFs are the list of issues or aspects of organizational performance that determine ongoing health, vitality, and wellbeing. Normally there are between five and eight CSFs in any organization. Success factors. A list of 30 or so issues or aspects of organizational performance that management knows are important in order to perform well in any given sector/ industry. Some of these success factors are much more important; these are known as critical success factors. Balanced scorecard. A term first introduced by Kaplan and Norton describing how you need to measure performance in a more holistic way. You need to see an organization’s performance in a number of different perspectives. For the purposes of this book, there are six perspectives in a balanced scorecard (see Exhibit 1.7). Oracles and young guns. In an organization, oracles are those gray-haired individuals who have seen it all before. They are often considered to be slow, ponderous, and, quite frankly, a nuisance by the new management. Often they are retired early or made redundant only to be rehired as contractors at twice their previous salary when management realizes they have lost too much institutional knowledge. Their considered pace is often a reflection that they can see that an exercise is futile because it has failed twice before. The young guns are fearless and precocious leaders of the future who are not afraid to go where angels fear to tread. These staff members have not yet achieved management positions. The mixing of the oracles and young guns during a KPI project benefits both parties and the organization. The young guns learn much and the oracles rediscover their energy being around these live wires. Empowerment. For the purposes of this book, empowerment is an outcome of a process that matches competencies, skills, and motivations with the required level of autonomy and responsibility in the workplace. Senior management team (SMT). The team comprised of the CEO and all direct reports. Better practice. The efficient and effective way management and staff undertake business activities in all key processes: leadership, planning, customers, suppliers, community relations, production and supply of products and services, employee wellbeing, and so forth. Best practice. A commonly misused term, especially because what is best practice for one organization may not be best practice for another, albeit they are in the same sector. Best practice is where better practices, when effectively linked together, lead to sustainable world-class outcomes in quality, customer service, flexibility, timeliness, innovation, cost, and competitiveness. Best-practice organizations commonly use the latest time-saving technologies, always focus on the 80/20, are members of quality management and continuous improvement professional bodies, and utilize benchmarking. Exhibit 1.10 shows the contents of the toolkit used by best-practice organizations to achieve world-class performance. EXHIBIT 1.10 Best-Practice Toolkit Benchmarking. An ongoing, systematic process to search for international better practices, compare against them, and then introduce them, modified where necessary, into your organization. Benchmarking may be focused on products, services, business practices, and processes of recognized leading organizations.