Retirement Best Quotes

I will love you with no regard to the actions of our enemies or the jealousies of actors. I will love you with no regard to the outrage of certain parents or the boredom of certain friends. I will love you no matter what is served in the world’s cafeterias or what game is played at each and every recess. I will love you no matter how many fire drills we are all forced to endure, and no matter what is drawn upon the blackboard in blurry, boring chalk. I will love you no matter how many mistakes I make when trying to reduce fractions, and no matter how difficult it is to memorize the periodic table. I will love you no matter what your locker combination was, or how you decided to spend your time during study hall. I will love you no matter how your soccer team performed in the tournament or how many stains I received on my cheerleading uniform. I will love you if I never see you again, and I will love you if I see you every Tuesday. I will love you if you cut your hair and I will love you if you cut the hair of others. I will love you if you abandon your baticeering, and I will love you if you if you retire from the theater to take up some other, less dangerous occupation. I will love you if you drop your raincoat on the floor instead of hanging it up and I will love you if you betray your father. I will love you even if you announce that the poetry of Edgar Guest is the best in the world and even if you announce that the work of Zilpha Keatley Snyder is unbearably tedious. I will love you if you abandon the theremin and take up the harmonica and I will love you if you donate your marmosets to the zoo and your tree frogs to M. I will love you as a starfish loves a coral reef and as a kudzu loves trees, even if the oceans turn to sawdust and the trees fall in the forest without anyone around to hear them. I will love you as the pesto loves the fettuccini and as the horseradish loves the miyagi, as the tempura loves the ikura and the pepperoni loves the pizza. I will love you as the manatee loves the head of lettuce and as the dark spot loves the leopard, as the leech loves the ankle of a wader and as a corpse loves the beak of the vulture. I will love you as the doctor loves his sickest patient and a lake loves its thirstiest swimmer. I will love you as the beard loves the chin, and the crumbs love the beard, and the damp napkin loves the crumbs, and the precious document loves the dampness in the napkin, and the squinting eye of the reader loves the smudged print of the document, and the tears of sadness love the squinting eye as it misreads what is written. I will love you as the iceberg loves the ship, and the passengers love the lifeboat, and the lifeboat loves the teeth of the sperm whale, and the sperm whale loves the flavor of naval uniforms. i will love you as a child loves to overhear the conversations of its parents, and the parents love the sound of their own arguing voices, and as the pen loves to write down the words these voices utter in a notebook for safekeeping. I will love you as a shingle loves falling off a house on a windy day and striking a grumpy person across the chin, and as an oven loves malfunctioning in the middle of roasting a turkey. I will love you as an airplane loves to fall from a clear blue sky and as an escalator loves to entangle expensive scarves in its mechanisms. I will love you as a wet paper towel loves to be crumpled into a ball and thrown at a bathroom ceiling and as an eraser loves to leave dust in the hairdos of people who talk too much. I will love you as a cufflink loves to drop from its shirt and explore the party for itself and as a pair of white gloves loves to slip delicately into the punchbowl. I will love you as the taxi loves the muddy splash of a puddle and as a library loves the patient tick of a clock.

He’s retired, he’s just turned sixty, you know. And on the actual day of his retirement it turned out he wasn’t a radiologist at heart at all, he didn’t want to spend another day of his life on medicine. He’d always wanted to be a beekeeper, and now bees are the only thing he’ll take an interest in. How do these things happen, do you think? If you’re really a beekeeper, how is it that you waste the best years of your life doing something else?

Refire—an attitude of embracing the years ahead with enthusiasm rather than apathy.

You might be on the back nine of life, but it's good to finish strong.

There is time for everything; a time to MAKE the BEST and a time to TAKE a REST...

She had something Adam didn't. Curiosity. First step to growth -- and if it wasn't for Eve's Adam would still be sitting by the side of the pool picking his nose and scratching his scalp, bamboozled by his own reflection. Off in her part of Eden, Eve hadn't bothered naming the animals. On the other hand she'd discovered how to milk some of them and how best to eat the eggs of others. She'd decided she wasn't overly keen on torrential rain and had built a shelter from bamboo and banana leaves, into which she'd retire when the heavens opened, having set out coconut shells to catch the rainwater with a view to saving herself the schlep down to the spring every time she wanted a drink. The only thing you won't be surprised to hear about is that she'd already domesticated a cat and called it Misty.

There’s plenty of emphasis on success in our culture, but we have to help people focus on significance as well.

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

I hope my message has at least jarred you into rethinking the standard and conventional approaches to living one’s life—get a good job, work hard through endless hours, and then retire in your sixties or seventies and live out your days in your so-called golden years. But I still ask you: Why wait until your health and life energy have begun to wane? Rather than just focusing on saving up for a big pot full of money that you will most likely not be able to spend in your lifetime, live your life to the fullest now: Chase memorable life experiences, give money to your kids when they can best use it, donate money to charity while you’re still alive. That’s the way to live life. Remember: In the end, the business of life is the acquisition of memories. So what are you waiting for?

Earth society has programmed us to keep our heads down and remain as these mindless drones. Everyone tells us we all have to follow the same blueprint: You gotta go to school. Graduate. Go to college, if you want the best job. Get married. Make babies. Work some more, get promoted. Then you retire. We want, and want, and want, and then we die. Then people say, Oh, what a great life that person led. But that's not living. It's just a way to exist.

People ask me, "What’s it feel like, knowing your work will outlive you?" I say—imagine raising a kid. You feed it, teach it, protect it. Give it your best years. One day it grows up, builds a tech startup, and blocks your number.

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

Work hard, play well, be kind to animals and old people, don't cheat, never ever lie. Grantland Rice, old sports-caster said it best, " When the great Scorer comes to write your name, it matters not whether you won or lost, but how you played the game.

Harry - I'm flying north immediately. This news about your scar is the latest in a series of strange rumors that have reached me here. If it hurts again, go straight to Dumbledore - they're saying he's got Mad-Eye out of retirement, which means he's reading the signs, even if no one else is. I'll be in touch soon. My best to Ron and Hermione. Keep your eyes open,Harry. Sirius Dear Sirius, I reckon I just imagined my scar hurting, I was half asleep when I wrote to you last time. There's no point coming back, everything's fine here. Don't worry about me, my head feels completely normal. Harry Nice try, Harry. I'm back in the country and well hidden. I want you to keep me posted on everything that's going on at Hogwarts. Don't use Hedwig, keep changing owls,and don't worry about me, just watch out for yourself Don't forget what I said about your scar. Sirius

Bumped uglies?” I repeated on a laugh. “You are a retired phone sex operator and the best you can come up with is ‘bump uglies’? I’m disappointed in you.” “Gland to gland combat? Slytherin in the Hufflepuff? Doing the monster mash? Verbing the adjective noun?” I

The all-powerful Zahir seemed to be born with every human being and to gain full strength in childhood, imposing rules that would thereafter always be respected: People who are different are dangerous; they belong to another tribe; they want our lands and our women. We must marry, have children, reproduce the species. Love is only a small thing, enough for one person, and any suggestion that the heart might be larger than this may seem perverse. When we are married we are authorised to take possession of the other person, body and soul. We must do jobs we detest because we are part of an organised society, and if everyone did what they wanted to do, the world would come to a standstill. We must buy jewelry; it identifies us with our tribe. We must be amusing at all times and sneer at those who express their real feelings; it's dangerous for a tribe to allow its members to show their feelings. We must at all costs avoid saying no because people prefer those who always say yes, and this allows us to survive in hostile territory. What other people think is more important than what we feel. Never make a fuss--it might attract the attention of an enemy tribe. If you behave differently you will be expelled from the tribe because you could infect others and destroy something that was extremely difficult to organise in the first place. We must always consider the look of our new cave, and if we don't have a clear idea of our own, then we must call a decorator who will do his best to show others what good taste we have. We must eat three meals a day, even if we're not hungry, and when we fail to fit the current ideal of beauty we must fast, even if we're starving. We must dress according to the dictates of fashion, make love whether we feel like it or not, kill in the name of our country, wish time away so that retirement comes more quickly, elect politicians, complain about the cost of living, change our hair-style, criticise anyone who is different, go to a religious service on Sunday, Saturday or Friday, depending on our religion, and there beg forgiveness for our sins and puff ourselves up with pride because we know the truth and despise he other tribe, who worship false gods. Our children must follow in our footsteps; after all we are older and know more about the world. We must have a university degree even if we never get a job in the area of knowledge we were forced to study. We must never make our parents sad, even if this means giving up everything that makes us happy. We must play music quietly, talk quietly, weep in private, because I am the all-powerful Zahir, who lays down the rules and determines the meaning of success, the best way to love, the importance of rewards.

I’m a hustler and I work hard, but being a lazy person is my default. It’s what I do best. I’m a champion napper—I’ve even taken a nap in the Louvre among other weird places. I love chilling and day drinking and taking it fucking easy. But as it turns out, I’m not retired just yet, so I try my best to go against the lazy grain, which is why I always have multiple to-do lists going. Otherwise, I’ll to-don’t with everything and take a nap instead.

The best way to reduce snoring is to lose weight, sleep on your side , and not drink alcohol before retiring.

Musicians don't retire; they stop when there's no more music in them.”    - Louis Armstrong

There’s nothing wrong with accumulating wealth, receiving recognition for your efforts, and having some power and status--what’s wrong is when you think that’s who you are.

We can all make the world a better place through the moment-to-moment decisions we make as we interact with people.

It's sad to see old friends have to move away, but at the same time, you know the retirement home is the best place for them.

Retirement is a blank sheet of paper. It is a chance to redesign your life into something new and different.

There are many ways to measure a manager’s success and contributions to a franchise ... but in this case the two numbers that illustrate it best are eight and four: Bobby Cox’s #6 jersey was just the eighth number retired in franchise history, and of the remaining seven, four of them played for Bobby.

Lots of people have a “timeline” in mind for their life: the age when they want to get married, have kids, retire. The best advice I ever got was to forget all about this schedule. Why try to squeeze your life into a totally artificial construct based on meaningless rules? You’ll end up doing stupid things, like randomly marrying the guy you happen to be dating when you’re 29 because your self-imposed wedding deadline is age 30. Despite people hotly debating the “correct” age to tick off life’s milestones, it’s different for everyone – there’s no right or wrong answer.

Work helps prevent one from getting old. I, for one, cannot dream of retiring. Not now or ever. Retire? The word is alien and the idea inconceivable to me. I don’t believe in retirement for anyone in my type of work, not while the spirit remains. My work is my life. I cannot think of one without the other. To “retire” means to me to begin to die. The man who works and is never bored is never old. Work and interest in worthwhile things are the best remedy for age. Each day I am reborn. Each day I must begin again. For the past eighty years I have started each day in the same manner.

I think I’ve worked hard enough at life—I wasn’t given much, but I tried my best not to waste any of it, at least. But even as I’ve come this far on my own two feet, I can’t help but feel other people have been pushing me along all the way.

Rose sat all alone in the big best parlor, with her little handkerchief laid ready to catch the first tear, for she was thinking of her troubles, and a shower was expected. She had retired to this room as a good place in which to be miserable; for it was dark and still, full of ancient furniture, somber curtains, and hung all around with portraits of solemn old gentlemen in wigs, severe-nosed ladies in top-heavy caps, and staring children in little bobtailed coats or short-waisted frocks. It was an excellent place for woe; amd the fitful spring rain that pattered on the windowpane seemed to sob,"Cry away; I'm with you.

I will love you with no regard to the actions of our enemies or the jealousies of actors. I will love you with no regard to the outrage of certain parents or the boredom of certain friends. I will love you no matter what is served in the world’s cafeterias or what game is played at each and every recess. I will love you no matter how many fire drills we are all forced to endure, and no matter what is drawn upon the blackboard in a blurring, boring chalk. I will love you no matter how many mistakes I make when trying to reduce fractions, and no matter how difficult it is to memorize the periodic table. I will love you no matter what your locker combination was, or how you decided to spend your time during study hall. I will love you no matter how your soccer team performed in the tournament or how many stains I received on my cheerleading uniform. I will love you if I never see you again, and I will love you if I see you every Tuesday. I will love you if you cut your hair and I will love you if you cut the hair of others. I will love you if you abandon your baticeering, and I will love you if you retire from the theater to take up some other, less dangerous occupation. I will love you if you drop your raincoat on the floor instead of hanging it up and I will love you if you betray your father. I will love you even if you announce that the poetry of Edgar Guest is the best in the world and even if you announce that the work of Zilpha Keatley Snyder is unbearably tedious. I will love you if you abandon the theremin and take up the harmonica and I will love you if you donate your marmosets to the zoo and your tree frogs to M. I will love you as the starfish loves a coral reef and as kudzu loves trees, even if the oceans turn to sawdust and the trees fall in the forest without anyone around to hear them. I will love you as the pesto loves the fetuccini and as the horseradish loves the miyagi, as the tempura loves the ikura and the pepperoni loves the pizza. I will love you as the manatee loves the head of lettuce and as the dark spot loves the leopard, as the leech loves the ankle of a wader and as a corpse loves the beak of the vulture. I will love you as the doctor loves his sickest patient and a lake loves its thirstiest swimmer. I will love you as the beard loves the chin, and the crumbs love the beard, and the damp napkin loves the crumbs, and the precious document loves the dampness in the napkin, and the squinting eye of the reader loves the smudged print of the document, and the tears of sadness love the squinting eye as it misreads what is written. I will love you as the iceberg loves the ship, and the passengers love the lifeboat, and the lifeboat loves the teeth of the sperm whale, and the sperm whale loves the flavor of naval uniforms. I will love you as a child loves to overhear the conversations of its parents, and the parents love the sound of their own arguing voices, and as the pen loves to write down the words these voices utter in a notebook for safekeeping. I will love you as a shingle loves falling off a house on a windy day and striking a grumpy person across the chin, and as an oven loves malfunctioning in the middle of roasting a turkey. I will love you as an airplane loves to fall from a clear blue sky and as an escalator loves to entangle expensive scarves in its mechanisms. I will love you as a wet paper towel loves to be crumpled into a ball and thrown at a bathroom ceiling and an eraser loves to leave dust in the hairdos of the people who talk too much. I will love you as a taxi loves the muddy splash of a puddle and as a library loves the patient tick of a clock. I will love you as a thief loves a gallery and as a crow loves a murder, as a cloud loves bats and as a range loves braes. I will love you as misfortune loves orphans, as fire loves innocence and as justice loves to sit and watch while everything goes wrong.

The art of life is the art of avoiding pain: & he is the best pilot who steers clearest of the rocks & shoals with which he is beset. Pleasure is always before us; but misfortune is at our side: while running after that, this arrests us. The most effectual means of being secure against pain is to retire within ourselves, & to suffice for our own happiness. Those, which depend on ourselves, are the only pleasures a wise man will count on: for nothing is ours which another may deprive us of. Hence the inestimable value of intellectual pleasures.

But that's the thing," I say. My voice shakes. "Nothing makes me happy. Not really. It's not even that I don't like hockey, it's just... I don't like anything. Not enough to matter. All I ever wanted with hockey was a choice. I wanted to come with you when you moved. I didn’t care about the best opportunities. I was ten. I wanted my family. You could've retired in Buffalo, but you chose to come here and keep playing. You chose to leave me. And when you did finaly retire, instead of coming back, you stayed here.

What’s the best way to die that would create the least amount of annoyance for everyone else?

The best thing about retirement is not having to wear pants!

so mean that her death would cause a thousand of Hell's toughest demons to opt for early retirement.

They terminate your job? Employ yourself. They retire you? Refire yourself.

I believe that making a conscious decision to maintain a positive attitude is one of the best things you can do as you approach retirement.

Many men pass by that which is visible, and peer after things hidden and concealed; a locked room invites the thief. Things which lie in the open appear cheap; the house-breaker passes by that which is exposed to view. This is the way of the world, and the way of all ignorant men: they crave to burst in upon hidden things. It is therefore best not to vaunt one's retirement.

He’d been up early all his life and though everybody said the best thing about retirement was sleeping in, he just couldn’t feature it. If he found himself in bed later than six he felt like a degenerate,

We'd made a pact eight years ago to pass away in our sleep together, holding hands, in the retirement home we'd spent a decade wreaking awesome havoc on. Like the chaotic best friend version of The Notebook.

Most species of dragons had retired or, mistaken for dinosaurs, collectively hung their bones in museums, waiting in the wings for just the right time to reemerge, to scorch schools and char church parking lots.

Novels were not arguments; a story worked, or it didn't, on its own merits. What did it matter if a detail was real or imagined? What mattered was that the detail seemed real, and that it was absolutely the best detail for the circumstance. That wasn't much of a theory, but it was all Ruth could truly commit herself to at the moment. It was time to retire that old lecture, and her penance was to endure the compliments of her former credo.

Swirling furiously among the stairs and corridors of her exquisite home like a small and angry white bat Sybilla, Dowager Lady Culter, was not above spitting at her unfortunate son when he chose to sit down in his own great hall to take his boots off. ‘If Madge Mumblecrust comes down those stairs once again for a morsel of fowl’s liver with ginger, or pressed meats with almond-milk, I shall retire to a little wicker house in the forest and cast spells which will sink Venice into the sea for ever, and Madame Donati with it. The Church,’ said Sybilla definitely, ‘should excommunicate girls who do not replace lids on sticky jars and wash their hair every day with the best towels.

Okay, this is a fictional character," Lily began. "And he's like a human." "What?" Adam asked her, looking befuddled. "What the fuck does that mean? He's like a human?" He shook his head and scowled at her. "He wears clothes!" she said frantically. I had a feeling that this game had Lily on the verge of a nervous breakdown. "He wears clothes. Great. Well, that narrows it down." The sands of the hourglass were pouring away and Braden, Cam, Jess and I, were laughing our asses off this exchange already. "And he walks upright!" she added waving her hands frantically. "I would hope that most of the people in this game walk upright! Give me a real fucking clue already!" Adam had that homicidal look again. "Duh huh!" she said desperately. "Hey! All you've told me is that he's a fictional character who wears clothes and walks upright. Don't duh huh me!" he spit out angrily. "No! No! he says that!" Suddenly she started making barking noises. "Are you okay?" he asked looking at her like she was nuts. "Has a place in Florida..." She looked seriously stressed out. I was starting to worry. "He's retired?" Adam asked, still looking confused. "He wears bright colored clothes. He tells jokes." "It sounds like you're describing my Uncle Murray," Adam was shaking his head. "Time!" I yelled, almost peeing myself I was laughing so hard. "Goofy! The answer was Goofy!" Lily said with disgust. "Goofy?! That was the best you could come up with for Goofy?!

SHE’D DUMPED HIM. That’s all. It wasn’t that bad. It shouldn’t have been. It’s not like they were married. It’s not like she abandoned him at the altar, or made off with his best friend and their retirement savings. People get dumped all the time.

But it’s the same for all of us, see? We’ve all got to put our feet up at some point. Look at me. Been happy as a lark since the day I retired. All right, so neither of us are exactly in our first flush of youth, but you’ve got to keep looking forward.’ And I believe it was then that he said: ‘You’ve got to enjoy yourself. The evening’s the best part of the day. You’ve done your day’s work. Now you can put your feet up and enjoy it. That’s how I look at it. Ask anybody, they’ll all tell you. The evening’s the best part of the day.’ ‘I’m

We convince ourselves that life will be better after we get married, have a baby, then another. Then we are frustrated that the kids aren't old enough and we'll be more content when they are. After that we're frustrated that we have teenagers to deal with. We will certainly be happy when they are out of that stage. We tell ourselves that our life will be complete when our spouse gets his or her act together, when we get a nicer car, are able to go on a nice vacation, when we retire. The truth is, there's no better time to be happy than right now. Your life will always be filled with challenges. It's best to admit this to yourself and decide to be happy anyway. One of my favorite quotes comes from Alfred D Souza. He said, "For a long time it had seemed to me that life was about to begin - real life. But there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid. Then life would begin. At last it dawned on me that these obstacles were my life." This perspective has helped me to see that there is no way to happiness. Happiness is the way. So, treasure every moment that you have. Stop waiting until you finish school, until you go back to school, until you lose ten pounds, until you gain ten pounds, until you have kids, until your kids leave the house, until you start work, until you retire, until you get married, until you get divorced, until Friday night, until Sunday morning, until you get a new car or home, until your car or home is paid off, until spring, until summer, until fall, until winter, until you are off welfare, until the first or fifteenth, until your song comes on, until you've had a drink, until you've sobered up, until you die, until you are born again to decide that there is no better time than right now to be happy.

is time that we started reclaiming the idea of retirement. Retirement is not the finish line; it is the new beginning. Retirement is not your last paragraph; it is the long, rich, rewarding final chapters of your own book—as many pages as you can dream up. Retirement is not the end of your life; it is the beginning of the best years of your life! But

In the life of Moses, in Hebrew folklore, there is a remarkable passage. Moses finds a shepherd in the desert. He spends the day with the shepherd and helps him milk his ewes, and at the end of the day he sees that the shepherd puts the best milk he has in a wooden bowl, which he places on a flat stone some distance away. So Moses asks him what it is for, and the shepherd replies 'This is God's milk.' Moses is puzzled and asks him what he means. The shepherd says 'I always take the best milk I possess, and I bring it as on offering to God.' Moses, who is far more sophisticated than the shepherd with his naive faith, asks, 'And does God drink it?' 'Yes,' replies the shepherd, 'He does.' Then Moses feels compelled to enlighten the poor shepherd and he explains that God, being pure spirit, does not drink milk. Yet the shepherd is sure that He does, and so they have a short argument, which ends with Moses telling the shepherd to hide behind the bushes to find out whether in fact God does come to drink the milk. Moses then goes out to pray in the desert. The shepherd hides, the night comes, and in the moonlight the shepherd sees a little fox that comes trotting from the desert, looks right, looks left and heads straight towards the milk, which he laps up, and disappears into the desert again. The next morning Moses finds the shepherd quite depressed and downcast. 'What's the matter?' he asks. The shepherd says 'You were right, God is pure spirit, and He doesn't want my milk.' Moses is surprised. He says 'You should be happy. You know more about God than you did before.' 'Yes, I do' says the shepherd, 'but the only thing I could do to express my love for Him has been taken away from me.' Moses sees the point. He retires into the desert and prays hard. In the night in a vision, God speaks to him and says 'Moses, you were wrong. It is true that I am pure spirit. Nevertheless I always accepted with gratitude the milk which the shepherd offered me, as the expression of his love, but since, being pure spirit, I do not need the milk, I shared it with this little fox, who is very fond of milk.

Where you find the greatest good, there you will also find greatest Evil, for Evil likes Paradise every bit as much as Good does. What makes the best environment for Clematis armandi makes a lovely home for leaf hoppers. A place where Joe Allston hopes to enjoy his retirement turns out to be Tom Weld's ancestral acres and a place attractive to Caliban.

From every enjoyment I was, of course, excluded: my share of the gaiety consisted […] in listening to the sound of the piano or the harp played below, to the passing to and fro of the butler and footman, to the jingling of glass and china as refreshments were handed, to the broken hum of conversation as the drawing-room door opened and closed.  When tired of this occupation, I would retire from the stairhead to the solitary and silent nursery […]. I then sat with my doll on my knee, till the fire got low, glancing round occasionally to make sure that nothing worse than myself haunted the shadowy room; and when the embers sank to a dull red, I undressed hastily, tugging at knots and strings as I best might, and sought shelter from cold and darkness in my crib.

It is foolish to wish for beauty. Sensible people never either desire it for themselves or care about it in others. If the mind be but well cultivated, and the heart well disposed, no one ever cares for the exterior. So said the teachers of our childhood; and so say we to the children of the present day. All very judicious and proper, no doubt; but are such assertions supported by actual experience? We are naturally disposed to love what gives us pleasure, and what more pleasing than a beautiful face--when we know no harm of the possessor at least? A little girl loves her bird--Why? Because it lives and feels; because it is helpless and harmless? A toad, likewise, lives and feels, and is equally helpless and harmless; but though she would not hurt a toad, she cannot love it like the bird, with its graceful form, soft feathers, and bright, speaking eyes. If a woman is fair and amiable, she is praised for both qualities, but especially the former, by the bulk of mankind: if, on the other hand, she is disagreeable in person and character, her plainness is commonly inveighed against as her greatest crime, because, to common observers, it gives the greatest offence; while, if she is plain and good, provided she is a person of retired manners and secluded life, no one ever knows of her goodness, except her immediate connections. Others, on the contrary, are disposed to form unfavourable opinions of her mind, and disposition, if it be but to excuse themselves for their instinctive dislike of one so unfavoured by nature; and visa versa with her whose angel form conceals a vicious heart, or sheds a false, deceitful charm over defects and foibles that would not be tolerated in another. They that have beauty, let them be thankful for it, and make a good use of it, like any other talent; they that have it not, let them console themselves, and do the best they can without it: certainly, though liable to be over-estimated, it is a gift of God, and not to be despised.

Robert Surcouf was the most famous of France’s eighteenth-century privateers who, based on Mauritius in the Indian Ocean, grew rich on English plunder before retiring to his native St Malo. Renowned for his chivalry towards prisoners, in France he is perhaps best remembered for the reply he gave a captive officer who admonished him for fighting for money rather than, as the British did, for honour. ‘Each of us fights,’ admitted Surcouf, ‘for what he lacks most.

Reading Chip's college orientation materials, Alfred had been struck by the sentence New England winters can be very cold. The curtains he'd bought at Sears were of a plasticized brown-and-pink fabric with a backing of foam rubber. They were heavy and bulky and stiff. "You'll appreciate these on a cold night," he told Chip. "You'll be surprised how much they cut down drafts." But Chip's freshman roommate was a prep-school product named Roan McCorkle who would soon be leaving thumbprints, in what appeared to be Vaseline, on the fifth-grade photo of Denise. Roan laughed at the curtains and Chip laughed, too. He put them back in the box and stowed the box in the basement of the dorm and let it gather mold there for the next four years. He had nothing against the curtains personally. They were simply curtains and they wanted no more than what any curtains wanted - to hang well, to exclude light to the best of their ability, to be neither too small nor too large for the window that it was their task in life to cover; to be pulled this way in the evening and that way in the morning; to stir in the breezes that came before rain on a summer night; to be much used and little noticed. There were numberless hospitals and retirement homes and budget motels, not just in the Midwest but in the East as well, where these particularly brown rubber-backed curtains could have had a long and useful life. It wasn't their fault that they didn't belong in a dorm room. They'd betrayed no urge to rise above their station; their material and patterning contained not a hint of unseemly social ambition. They were what they were. If anything, when he finally dug them out of the eve of graduation, their virginal pinkish folds turned out to be rather less plasticized and homely and Sears-like than he remembered. They were nowhere near as shameful as he'd thought.

The key to motivating your kids to take responsibility for earning their way in the world is to limit the amount of spending money you give them. It isn’t a bad idea to give your kids a modest allowance. It’s best if the allowance is tied to doing chores around the house. Even then, be sure to limit the amount of money you give your kids. The whole idea is to leave the kids wanting more money than you give them so they have the desire to earn some money on their own.

ON THE A TRAIN There were no seats to be had on the A train last night, but I had a good grip on the pole at the end of one of the seats and I was reading the beauty column of the Journal-American, which the man next to me was holding up in front of him. All of a sudden I felt a tap on my arm, and I looked down and there was a man beginning to stand up from the seat where he was sitting. "Would you like to sit down?" he said. Well, I said the first thing that came into my head, I was so surprised and pleased to be offered a seat in the subway. "Oh, thank you very much," I said, "but I am getting out at the next station." He sat back and that was that, but I felt all set up and I thought what a nice man he must be and I wondered what his wife was like and I thought how lucky she was to have such a polite husband, and then all of a sudden I realized that I wasn't getting out at the next station at all but the one after that, and I felt perfectly terrible. I decided to get out at the next station anyway, but then I thought, If I get out at the next station and wait around for the next train I'll miss my bus and they only go every hour and that will be silly. So I decided to brazen it out as best I could, and when the train was slowing up at the next station I stared at the man until I caught his eye and then I said, "I just remembered this isn't my station after all." Then I thought he would think I was asking him to stand up and give me his seat, so I said, "But I still don't want to sit down, because I'm getting off at the next station." I showed him by my expression that I thought it was all rather funny, and he smiled, more or less, and nodded, and lifted his hat and put it back on his head again and looked away. He was one of those small, rather glum or sad men who always look off into the distance after they have finished what they are saying, when they speak. I felt quite proud of my strong-mindedness at not getting off the train and missing my bus simply because of the fear of a little embarrassment, but just as the train was shutting its doors I peered out and there it was, 168th Street. "Oh dear!" I said. "That was my station and now I have missed the bus!" I was fit to be fled, and I had spoken quite loudly, and I felt extremely foolish, and I looked down, and the man who had offered me his seat was partly looking at me, and I said, "Now, isn't that silly? That was my station. A Hundred and Sixty-eighth Street is where I'm supposed to get off." I couldn't help laughing, it was all so awful, and he looked away, and the train fidgeted along to the next station, and I got off as quickly as I possibly could and tore over to the downtown platform and got a local to 168th, but of course I had missed my bus by a minute, or maybe two minutes. I felt very much at a loose end wandering around 168th Street, and I finally went into a rudely appointed but friendly bar and had a martini, warm but very soothing, which cost me only fifty cents. While I was sipping it, trying to make it last to exactly the moment that would get me a good place in the bus queue without having to stand too long in the cold, I wondered what I should have done about that man in the subway. After all, if I had taken his seat I probably would have got out at 168th Street, which would have meant that I would hardly have been sitting down before I would have been getting up again, and that would have seemed odd. And rather grasping of me. And he wouldn't have got his seat back, because some other grasping person would have slipped into it ahead of him when I got up. He seemed a retiring sort of man, not pushy at all. I hesitate to think of how he must have regretted offering me his seat. Sometimes it is very hard to know the right thing to do.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

That’s the thing. The people you’re controlling don’t have a voice in how you control them. As long as everyone’s on the same page, things may be great, but when there’s a question, you win. Right?” “There has to be a way to come to a final decision.” “No, there doesn’t. Every time someone starts talking about final anythings in politics, that means the atrocities are warming up. Humanity has done amazing things by just muddling through, arguing and complaining and fighting and negotiating. It’s messy and undignified, but it’s when we’re at our best, because everyone gets to have a voice in it. Even if everyone else is trying to shout it down. Whenever there’s just one voice that matters, something terrible comes out of it.” “And yet, I understand from Ms. Fisk that the Transport Union was condemning whole colonies that didn’t follow its rule.” “Right?” Holden said. “And so I disobeyed that order and I quit working for them. I was all set to go retire in Sol system. Can you do that?” “Can I do what?” “If you are given an immoral order, can you resign and walk away? Because everything I’ve seen about how you’re running this place tells me that isn’t an option for you.” Singh crossed his arms. He had the sense that the interrogation was getting away from him. “The high consul is a very wise, very thoughtful man,” he said. “I have perfect faith that—” “No. Stop. ‘Perfect faith’ really tells me everything I need to know,” Holden said. “You think this is a gentle, bloodless conquest, don’t you?” “It is, to the degree that you allow it to be.” “I was there for the war Duarte started to cover his tracks. I was there for the starving years afterward. Your empire’s hands look a lot cleaner when you get to dictate where history begins and what parts of it don’t count.

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.

When the goals of the Self are the only goals a culture makes available, spirited men and women will address them with the energy that they would have applied to the aspirations of the Soul. The result is lives that are massively frustrating and not a little ridiculous. People become heroically dedicated to middle-class ends—getting a promotion, getting a raise, taking immeasurably interesting vacations, getting their children into the right colleges, finding the best retirement spot, fattening their portfolios. Lives without courage, contemplation, compassion, and imagination are lives sapped of significant meaning. In such lives, the Self cannot transcend itself.

At a certain age, he thought, it is better for one's health not to do what I am about to do. At a certain age, a man's outlook is best tempered by moderation, if not resignation, if not outright capitulation. At a certain age, one should live without either harking too much back to grievances of the past or inviting resistance in the present by embodying a challenge to the pieties that be. Yet to give up playing any but the role socially assigned, in this instance assigned to the respectably retired—at seventy-one, that is surely what is appropriate, and so, for Coleman Silk, as he long ago demonstrated with requisite ruthlessness to his very own mother, that is what is unacceptable.

Nelson was due for a rest. He was forty-six years old, blind in one eye, going blind in the other. He had lost an arm in battle and endured recurring pain in his side from an old stomach wound. His hernia produced a lump the size of his fist every time he coughed. He suffered headaches from a head wound and was prone to regular bouts of fever, toothache and depression. For a man who had been in action 120 times by the age of thirty-nine, Nelson was bearing up well, but he was long overdue for an honourable retirement. It was only the war that kept him at sea. But there was no rest for Nelson, or anyone else, for that matter. They had all been at sea far too long. Officers and men alike were dreadfully

him.” “Do you have anyone else you’re tight with?” asked Julie. “Used to. Not anymore.” “Because they’re not around anymore?” asked Julie. “Something like that.” “Robie really respects you. I can tell.” “I would imagine there aren’t many who he does respect,” replied Reel. “I bet you’re the same.” “We trained together, Robie and me,” said Reel. “He was the best, Julie. I always thought I was, but I have to admit, he’s better.” “Why?” “The intangibles. On the big stuff we’re equal. Even he would agree with that. It’s the small stuff, though, where I fall behind. Sometimes I let my emotions get the better of me.” “That only means you’re human. I wish Robie would let that happen to him more often. He keeps it all inside.” “Which is exactly what we’re trained to do,” Reel pointed out. “A job isn’t everything, is it? It’s not your whole life.” “Some jobs are. Our jobs are; at least mine used to be.” “And now?” asked Julie. Reel glanced at her as she steered the car through the wet streets and over a bridge into D.C. “Maybe I’m starting a transition phase.” “Into another job, or retiring?” “Retiring? How old do you think I am?” Reel chuckled, but Julie’s expression remained serious. “Robie told me you don’t retire from the sort of work you two do.” Reel glanced at her again. “He did?” Julie nodded. “Well, then it must be true. I’ve never known Will Robie to bullshit.” Julie put a hand on Reel’s arm. “But you can make

settle steadily down as a staid, sensible piece of paper ought to do, but it insists on contravening every recognized rule of decorum, turning over and darting hither and thither in the most erratic manner, much after the style of an untrained horse.” This was the kind of horse, he said, that men had to learn to manage in order to fly, and there were two ways: One is to get on him and learn by actual practice how each motion and trick may be best met; the other is to sit on a fence and watch the beast a while, and then retire to the house and at leisure figure out the best way of overcoming his jumps and kicks. The latter system is the safest, but the former, on the whole, turns out the larger proportion of good riders.

...The happy Warrior... 'tis he whose law is reason; who depends upon that law as on the best of friends; whence, in a state where men are tempted still to evil for a guard against worse ill, and what in quality or act is best doth seldom on a right foundation rest, he labors good on good to fix, and owes to virtue every triumph that he knows: who, if he rise to station of command, rises by open means; and there will stand on honorable terms, or else retire, and in himself possess his own desire; who comprehends his trust, and to the same keeps faithful with a singleness of aim; and therefore does not stoop, nor lie in wait for wealth, or honors, or for worldly state; whom they must follow; on whose head must fall, like showers of manna, if they come at all:

The United States is famously resistant to anything smacking of redistribution. Yet it allocates 19 percent of its GDP to social services, and despite the best efforts of conservatives and libertarians the spending has continued to grow. The most recent expansions are a prescription drug benefit introduced by George W. Bush and the eponymous health insurance plan known as Obamacare introduced by his successor. Indeed, social spending in the United States is even higher than it appears, because many Americans are forced to pay for health, retirement, and disability benefits through their employers rather than the government. When this privately administered social spending is added to the public portion, the United States vaults from twenty-fourth into second place among the thirty-five OECD countries, just behind France.

Richard Feynman (1918–1988) was not only an extraordinary physicist, but also an extraordinary figure, a swash-buckling personality the likes of which theoretical physics has not seen before or hence. Occasionally theoretical physicists will while away an idle moment comparing the contributions of Feynman and Schwinger, both nice Jewish boys from New York and almost exact contemporaries. This senseless discussion serves no purpose, but it is a fact that while Julian Schwinger was a shy and retiring person (but rather warm and good-hearted behind his apparent remoteness), Dick Feynman was an extreme extrovert, the stuff of legends. With his bongo drums, showgirls, and other trappings of a carefully cultivated image enthusiastically nurtured by a legion of idolaters, he is surely the best-loved theoretical physicist next to Einstein.

McNamara, Bundy (who had been too powerful for Pusey at Harvard), Rostow, Arthur Schlesinger, Sargent Shriver. Did they need a Texan? Everyone who met Bill Moyers came away impressed—a Kennedy-style Texan, with perhaps too much of the Bible in him, but that would change. A general? They had Maxwell Taylor, a good general, soldier-statesman, an intellectual who read books avidly and had even written one. They said he had resigned in the Eisenhower years in protest against the archaic defense policies, but they were wrong—he had not resigned, he had retired after serving the full four years, and then he had written his book. But the book was so critical that it seemed as if he had resigned—a small but very important difference which went unnoticed at the time. Still, he was their general; if Harvard produced generals it would have produced Max Taylor

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

During the year we interviewed him, Dr. South spent more than $70,000 for his most recent motor vehicle purchase, related sales tax, and insurance. Yet for the same period, how much did he place in his pension plan? About $5,700! In other words, only about $1 in every $125 of his income was set aside for retirement. The amount of time Dr. South took to find the best deal on his car was also counterproductive. We estimated that it took him more than sixty hours to study, negotiate, and purchase his Porsche. How much time and effort does it take someone to place money in a pension plan? A small fraction of this time and energy. It is easy for Dr. South to say he wants to accumulate wealth, but his actions speak much louder than his words. Perhaps that explains why he has lost a considerable amount of wealth through imprudent investing. Investing when one has little or no intellectual basis for one’s decisions often translates into major losses. T

The best solution in our view would be to combine the enactment of a negative income tax with winding down Social Security while living up to present obligations. The way to do that would be: Repeal immediately the payroll tax. Continue to pay all existing beneficiaries under Social Security the amounts that they are entitled to under current law. Give every worker who has already earned coverage a claim to those retirement, disability, and survivors benefits that his tax payments and earnings to date would entitle him to under current law, reduced by the present value of the reduction in his future taxes as a result of the repeal of the payroll tax. The worker could choose to take his benefits in the form of a future annuity or government bonds equal to the present value of the benefits to which he would be entitled. Give every worker who has not yet earned coverage a capital sum (again in the form of bonds) equal to the accumulated value of the taxes that he or his employer has paid on his behalf.

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When the rest of the world was engaged in seizing the open spaces, Germany was in the throes of religious warfare. The foundation of St. Petersburg by Peter the Great was a fatal event in the history of Europe; and St. Petersburg must therefore disappear utterly from the earth's surface. Moscow, too. Then the Russians will retire into Siberia. It is not by taking over the miserable Russian hovels that we shall establish ourselves as masters in the East. The German colonies must be organised on an altogether higher plane. We have never before driven forward into empty spaces. The German people have absorbed both northern and southern Austria, and the original inhabitants are still there; but they were Sorb-Wends, members of basic European stock, with nothing in common with the Slavs. As for the ridiculous hundred million Slavs, we will mould the best of them to the shape that suits us, and we will isolate the rest of them in their own pig-styes; and anyone who talks about cherishing the local inhabitant and civilising him, goes straight off into a concentration camp !

It was a damned near-run thing, I must admit,' said Jack, modestly; then after a pause he laughed and said, 'I remember your using those very words in the old Bellerophon, before we had our battle.' 'So I did,' cried Dundas. 'So I did. Lord, that was a great while ago.' 'I still bear the scar,' said Jack. He pushed up his sleeve, and there on his brown forearm was a long white line. 'How it comes back,' said Dundas; and between them, drinking port, they retold the tale, with minute details coming fresh to their minds. As youngsters, under the charge of the gunner of the Bellerophon, 74, in the West Indies, they had played the same game. Jack, with his infernal luck, had won on that occasion too: Dundas claimed his revenge, and lost again, again on a throw of double six. Harsh words, such as cheat, liar, sodomite, booby and God-damned lubber flew about; and since fighting over a chest, the usual way of settling such disagreements in many ships, was strictly forbidden in the Bellemphon, it was agreed that as gentlemen could not possibly tolerate such language they should fight a duel. During the afternoon watch the first lieutenant, who dearly loved a white-scoured deck, found that the ship was almost out of the best kind of sand, and he sent Mr Aubrey away in the blue cutter to fetch some from an island at the convergence of two currents where the finest and most even grain was found. Mr Dundas accompanied him, carrying two newly sharpened cutlasses in a sailcloth parcel, and when the hands had been set to work with shovels the two little boys retired behind a dune, unwrapped the parcel, saluted gravely, and set about each other. Half a dozen passes, the blades clashing, and when Jack cried out 'Oh Hen, what have you done?' Dundas gazed for a moment at the spurting blood, burst into tears, whipped off his shirt and bound up the wound as best he could. When they crept aboard a most unfortunately idle, becalmed and staring Bellerophon, their explanations, widely different and in both cases so weak that they could not be attempted to be believed, were brushed aside, and their captain flogged them severely on the bare breech. 'How we howled,' said Dundas. 'You were shriller than I was,' said Jack. 'Very like a hyena.

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

The most powerful speaker, I thought, was a Lakeview resident, Richard Westmoreland, a retired Marine Corps lieutenant colonel, who said that Robert E. Lee was a great general, but compared him to Erwin Rommel, the World War II German tank commander. There are no statues of Rommel in Germany, he continued. "They are ashamed. The question is, why aren't we?" Westmoreland said. "Make no mistake, slavery was the great sin of this nation." In a letter to the New Orleans Advocate, Westmoreland wrote: "The "heritage" argument doesn't stand the test of time. These men were traitors. We are the United States before we are the South. How can anyone begin to think that these remembrances aren't offensive and disrespectful to African Americans? They are offensive to me as a retired military officer. They are offensive to me as a citizen; our tax money maintains these sites. Their existence is offensive to me as a human being; the monuments to the Confederacy on our public lands are disrespectful at best. They are subtle, government-sanctioned racism. There is nothing about our "heritage" with the Confederacy worthy of embracing. We are not who we once were. We should be proud of that. We are our brother's keeper. I am white, by the way, a fact that shouldn't be relevant in this argument, but we know it still is.

Maj. Gen. Smedley D. Butler, often regarded as the most famous decorated US army officer of the early twentieth century, wrote a book after World War I aptly called War Is a Racket. Upon retirement in the 1930s, he gave speeches around the country to spread his message—a message that sheds light upon the hidden internal dialogue underlying US military history. In 1935, Butler boldly stated: I spent 33 years and four months in active military service and during that period I spent most of my time as a high class muscle man for Big Business, for Wall Street and the bankers. In short, I was a racketeer, a gangster for capitalism. I helped make Mexico and especially Tampico safe for American oil interests in 1914. I helped make Haiti and Cuba a decent place for the National City Bank boys to collect revenues in. I helped in the raping of half a dozen Central American republics for the benefit of Wall Street. I helped purify Nicaragua for the International Banking House of Brown Brothers in 1902–1912. I brought light to the Dominican Republic for the American sugar interests in 1916. I helped make Honduras right for the American fruit companies in 1903. In China in 1927 I helped see to it that Standard Oil went on its way unmolested. Looking back on it, I might have given Al Capone a few hints. The best he could do was to operate his racket in three districts. I operated on three continents.

Claims were made decades after the campaign by Jérôme and Larrey that Napoleon’s lethargy was the result of his suffering from haemorrhoids which incapacitated him after Ligny.74 ‘My brother, I hear that you suffer from piles,’ Napoleon had written to Jérôme in May 1807. ‘The simplest way to get rid of them is to apply three or four leeches. Since I used this remedy ten years ago, I haven’t been tormented again.’75 But was he in fact tormented? This might be the reason why he spent hardly any time on horseback during the battle of Waterloo – visiting the Grand Battery once at 3 p.m. and riding along the battlefront at 6 p.m. – and why he twice retired to a farmhouse at Rossomme about 1,500 yards behind the lines for short periods.76 He swore at his page, Gudin, for swinging him on to his saddle too violently at Le Caillou in the morning, later apologizing, saying: ‘When you help a man to mount, it’s best done gently.’77 General Auguste Pétiet, who was on Soult’s staff at Waterloo, recalled that His pot-belly was unusually pronounced for a man of forty-five. Furthermore, it was noticeable during this campaign that he remained on horseback much less than in the past. When he dismounted, either to study maps or else to send messages and receive reports, members of his staff would set before him a small deal table and a rough chair made of the same wood, and on this he would remain seated for long periods at a time.78

It is worth noting that in the further course of his argument the question of the play instinct retires into the background in favour of the aesthetic mood, which seems to have acquired an almost mystical value. This, I believe, is no accident, but has a quite definite cause. Often it is the best and most profound ideas in a man’s work which most obstinately resist a clear formulation, even though they are hinted at in various places and should therefore really be ripe enough for a lucid synthesis to be possible. It seems to me that we are faced with some such difficulty here. To the concept of an aesthetic mood as a mediating creative state Schiller himself brings thoughts which at once reveal its depth and seriousness. And yet, quite as clearly, he picks on the play instinct as the long-sought mediating activity. Now it cannot be denied that these two concepts are in some sort opposed, since play and seriousness are scarcely compatible. Seriousness comes from a profound inner necessity, but play is its outward expression, the face it turns to consciousness. It is not, of course, a matter of wanting to play, but of having to play; a playful manifestation of fantasy from inner necessity, without the compulsion of circumstance, without even the compulsion of the will.95 It is serious play. And yet it is certainly play in its outward aspect, as seen from the standpoint of consciousness and collective opinion. That is the ambiguous quality which clings to everything creative.

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!

I’m the living dead. I feel no connection to any other human. I have no friends and I don’t really care much about my family any longer. I feel no love for them. I can feel no joy. I’m incapable of feeling physical pleasure. There’s nothing to ever look forward to as a result. I don’t miss anyone or anything. I eat because I feel hunger pangs, but no food tastes like anything I like. I wear a mask when I’m with other people but it’s been slipping lately. I can’t find the energy to hide the heavy weight of survival and its effect on me. I’m exhausted all the time from the effort of just making it through the day. This depression has made a mockery of my memory. It’s in tatters. I have no good memories to sustain me. My past is gone. My present is horrid. My future looks like more of the same. In a way, I’m a man without time. Certainly, there’s no meaning in my life. What meaning can there be without even a millisecond of joy? Ah, scratch that. Let’s even put aside joy and shoot for lower. How about a moment of being content? Nope. Not a chance. I see other people, normal people, who can enjoy themselves. I hear people laughing at something on TV. It makes me cock my head and wonder what that’s like. I’m sure at sometime in my past, I had to have had a wonderful belly laugh. I must have laughed so hard once or twice that my face hurt. Those memories are gone though. Now, the whole concept of “funny” is dead. I stopped going to movies a long time ago. Sitting in a theater crowded with people, every one of them having a better time than you, is incredibly damaging. I wasn’t able to focus for that long anyway. Probably for the best. Sometimes I fear the thought of being normal again. I think I wouldn’t know how to act. How would I handle being able to feel? Gosh it would be nice to feel again. Anything but this terrible, suffocating pain. The sorrow and the misery is so visceral, I find myself clenching my jaw. It physically hurts me. Then I realize that it’s silly to worry about that. You see, in spite of all the meds, the ketamine infusions and other treatments, I’m not getting better. I’m getting worse. I was diagnosed 7 years ago but I’m sure I was suffering for longer. Of course, I can’t remember that, but depression is something that crept up on me. It’s silent and oppressive. I don’t even remember what made me think about going to see someone. But I did and it was a pretty clear diagnosis. So, now what? I keep waking up every morning unfortunately. I don’t fear death any more. That’s for sure. I’ve made some money for the couple of decades I’ve been working and put it away in retirement accounts. I think about how if I was dead that others I once cared for would get that money. Maybe it could at least help them. I don’t know that I’ll ever need it. Even if I don’t end it myself, depression takes a toll on the body. My life expectancy is estimated to be 14 years lower as a result according to the NIH. It won’t be fast enough though. I’m just an empty biological machine that doesn’t know that my soul is gone. My humanity is no more

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!

Back home, Chris struggled to readjust, physically and mentally. He also faced another decision-reenlist, or leave the Navy and start a new life in the civilian world. This time, he seemed to be leaning toward getting out-he'd been discussing other jobs and had already talked to people about what he might do next. It was his decision, one way or another. But if I’d been resigned to his reenlistment last go-around, this time I was far more determined to let him know I thought he should get out. There were two important reasons for him to leave-our children. They really needed to have him around as they grew. And I made that a big part of my argument. But the most urgent reason was Chris himself. I saw what the war was doing to him physically. His body was breaking down with multiple injuries, big and small. There were rings under his eyes even when he had slept. His blood pressure was through the roof. He had to wall himself off more and more. I didn’t think he could survive another deployment. “I’ll support you whatever you decide,” I told him. “I want to be married to you. But the only way I can keep making sense of this is…I need to do the best for the kids and me. If you have to keep doing what is best for you and those you serve, at some point I owe it to myself and those I serve to do the same. For me, that is moving to Oregon.” For me, that meant moving from San Diego to Oregon, where we could live near my folks. That would give our son a grandfather to be close to and model himself after-very important things, in my mind, for a boy. I didn’t harp on the fact that the military was taking its toll. That argument would never persuade Chris. He lived for others, not himself. It didn’t feel like an ultimatum to me. In fact, when he described it that way later on, I was shocked. “It was an ultimatum,” he said. He felt my attitude toward him would change so dramatically that the marriage would be over. There would also be a physical separation that would make it hard to stay together. Even if he wasn’t overseas, he was still likely to be based somewhere other than Oregon. We’d end up having a marriage only in name. I guess looked at one way, it was an ultimatum-us or the Navy. But it didn’t feel like that to me at the time. I asked him if he could stay in and get an assignment overseas where we could all go, but Chris reminded me there was never a guarantee with the military-and noted he wasn’t in it to sit behind a desk. Some men have a heart condition they know will kill them, but they don’t want to go to the doctor; it’s only when their wives tell them to go that they go. It’s a poor metaphor, but I felt that getting out of the Navy was as important for Chris as it was for us. In the end, he opted to leave. Later, when Chris would give advice to guys thinking about leaving the military, he would tell them it would be a difficult decision. He wouldn’t push them one way or the other, but he would be open about his experiences. “There’ll be hard times at first,” he’d admit. “But if that is the thing you decide, those times will pass. And you’ll be able to enjoy things you never could in the service. And some of them will be a lot better. The joy you get from your family will be twice as great as the pleasure you had in the military.” Ultimatum or not, he’d come to realize retiring from the service was a good choice for all of us.

He had worked damn hard and prospered. Now it was time to live. He even thought he might get it up tonight and surprise his gorgeous Maggie; then it was Israel and the Pharaohs. Stopping at his front door he took a deep intake of the free English air and smiled contentedly; England was home and so was he, this time for good. He went in the front door and called out for her as he had done so many times before, 'Maggie . . . I'm home sweetheart!' He closed the door and hesitated for a moment, she was usually in his arms by now, planting a sweet little kiss on his expectant, eager lips. She had not been her best lately, complaining of headaches and spending a lot of time down at the library; but today was different, it was retirement day. Aha! This could be a surprise, he thought hanging up his coat. Calling out again, he rubbed his hands together and started to climb the stairs to wash up before tea. This is definitely a surprise . . . no smell of any grub! His whistling stopped abruptly half way up when he saw a darkened figure appear on the landing, pointing a gun at him. A finger tightened and the weapon jolted, sending screeching Belarusian memories echoing across his subconscious. The blast lifted him off his feet sending him to the floor below. The last image of Cedric Boban's life on earth was the flash of a sawn-off shotgun; which fired from a few feet, took his life and most of his upper torso away. The slate was clean, the screeching culled. His assailant moved halfway down before jumping over the banister to avoid the bloody mess on the stairs. Maggie walked steadily into the hall from the living room. She gave a little smile and took the small sawn-off shotgun from the gloved hands of the assassin,

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

Well, I saved you today, didn’t I? Just like I saved you before. You walked out of the Bastion free, without a scratch, and if any Cokyrian but me had caught you with that dagger, you might be drawn and quartered by now.” “You didn’t save me from that butcher,” I said irritably. “But you’re right. About today, I mean.” I could sense his satisfaction, which irritated me all the more. “So accept my thanks, but stay away from me. We’re not friends, you know.” I was nearing my neighborhood and didn’t want anyone to see me with him. He stepped in front of me, forcing me to stop. “We’re not friends yet. But you’ve thought about it. And you just thanked me.” “Are you delusional?” “No. You just said thank you to the faceless Cokyrian soldier who arrested you.” “Don’t you ever stop?” I demanded, trying in vain to move around him. “I haven’t even started.” “What does that mean?” There was silence as Saadi glanced up and down the street. “I want to know where you got that dagger. Or at least what story you told.” “Why don’t you ask Commander Narian? The two of you seemed fairly close.” “Quit making jokes.” “I haven’t made a single one.” “Well?” “It was my father’s,” I said, clinging to the lie Queen Alera had provided, whether by mistake or not. “Oh.” This seemed to take Saadi aback. “And now, because of you, I don’t have it anymore.” I knew I was pressing my luck, but I wanted to make him feel bad. “I’m sorry,” he muttered, seeming sincere enough. Thinking I had maybe, finally, succeeded in getting him to leave me alone, I stepped around him. “Shaselle?” I stopped again, without the slightest idea why. “Your father--what was he like?” The question shocked me; I also wasn’t sure I could answer it without crying. But Saadi appeared so genuinely interested that I couldn’t disregard him. “You have no right to ask me that,” I answered out of principle. “But for your information, he was the strongest, bravest, kindest and best-humored man I ever knew. And none of it was because he took what was handed to him.” For the second time, I attempted a dramatic departure. “Shaselle?” “What now?” I incredulously exclaimed. “Do you have plans tomorrow?” “What?” “I have a day off duty. We could--” “No!” I shouted. “What is this? You expect me to spend a day with you, a Cokyrian--a Cokyrian I can’t stand?” “Yes,” he affirmed, despite my outburst. I laughed in disbelief. “I won’t. This is ridiculous. You’re ridiculous. Enjoy your time off duty with your own kind.” Turning, I sprinted down the street, and though he called after me yet again, I ignored him. As I neared my house, I glanced behind once or twice to assure myself he wasn’t following. He was nowhere in sight. I reached the security of my home just in time for dinner, and just in time to cut off Mother’s growing displeasure--the first step in her progression to anger. I smiled at her, hurried to wash, and was a perfect lady throughout the meal. Afterward I retired to my room, picking a book from my shelf to occupy me until my eyes drooped. Instead of words on pages, however, I kept seeing Saadi’s face--his clear blue eyes, that irritating hair, those freckles across his nose that made me lose willpower. What if I had offended him earlier? He had only asked to spend time with me, and I had mocked him. But he was Cokyrian. It was ludicrous for him to be pursuing my company. It was dangerous for me to be in his. And that, I suddenly realized, was part of the reason I very much wanted to be with him. Saadi aggravated me, confused me, scared me, and yet I could no longer deny that he intrigued me in a way no one else ever had.

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.

The Seventh Central Pay Commission was appointed in February 2014 by the Government of India (Ministry of Finance) under the Chairmanship of Justice Ashok Kumar Mathur. The Commission has been given 18 months to make its recommendations. The terms of reference of the Commission are as follows:  1. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure including pay, allowances and other facilities/benefits, in cash or kind, having regard to rationalisation and simplification therein as well as the specialised needs of various departments, agencies and services, in respect of the following categories of employees:-  (i) Central Government employees—industrial and non-industrial; (ii) Personnel belonging to the All India Services; (iii) Personnel of the Union Territories; (iv) Officers and employees of the Indian Audit and Accounts Department; (v) Members of the regulatory bodies (excluding the RBI) set up under the Acts of Parliament; and (vi) Officers and employees of the Supreme Court.   2. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure, concessions and facilities/benefits, in cash or kind, as well as the retirement benefits of the personnel belonging to the Defence Forces, having regard to the historical and traditional parties, with due emphasis on the aspects unique to these personnel.   3. To work out the framework for an emoluments structure linked with the need to attract the most suitable talent to government service, promote efficiency, accountability and responsibility in the work culture, and foster excellence in the public governance system to respond to the complex challenges of modern administration and the rapid political, social, economic and technological changes, with due regard to expectations of stakeholders, and to recommend appropriate training and capacity building through a competency based framework.   4. To examine the existing schemes of payment of bonus, keeping in view, inter-alia, its bearing upon performance and productivity and make recommendations on the general principles, financial parameters and conditions for an appropriate incentive scheme to reward excellence in productivity, performance and integrity.   5. To review the variety of existing allowances presently available to employees in addition to pay and suggest their rationalisation and simplification with a view to ensuring that the pay structure is so designed as to take these into account.   6. To examine the principles which should govern the structure of pension and other retirement benefits, including revision of pension in the case of employees who have retired prior to the date of effect of these recommendations, keeping in view that retirement benefits of all Central Government employees appointed on and after 01.01.2004 are covered by the New Pension Scheme (NPS).   7. To make recommendations on the above, keeping in view:  (i) the economic conditions in the country and the need for fiscal prudence; (ii) the need to ensure that adequate resources are available for developmental expenditures and welfare measures; (iii) the likely impact of the recommendations on the finances of the state governments, which usually adopt the recommendations with some modifications; (iv) the prevailing emolument structure and retirement benefits available to employees of Central Public Sector Undertakings; and (v) the best global practices and their adaptability and relevance in Indian conditions.   8. To recommend the date of effect of its recommendations on all the above.

Still, when Harvard said I wasn’t eligible for financial aid, and another university offered me a full scholarship, I thought I should go there. My mother became furious and said I was always sabotaging myself. She was proud of being able to borrow money at a loss from her own retirement fund, and give it to Harvard. I felt proud of her, too. But I did not feel proud of myself. It made the college application process feel, in retrospect, somehow hurtful and insulting: all the essays and interviews and supplements and letters seemed to be about you, about your specialness—but actually it was all about shaking your parents down for money. — Harvard seemed really proud of its own attitude toward financial aid. You were always hearing about how “merit-based aid,” which was fine for other schools, didn’t work here, where everyone was so full of merit. When your parents paid full tuition, part of what they were paying for was the benefit you derived from being exposed to people who were more diverse than you. “My parents are paying for him to be here, so I can learn from him,” my friend Leora said once, about a homeschooled guy from Arkansas in her history section who started talking about how the Jews killed Jesus. Leora had been my best friend when we were little, and then we went to different middle schools and high schools, but now we were at college together. She already thought every single person on earth was anti-Semitic, so she definitely hadn’t learned anything from that guy. To me, the part of financial aid that made the least sense was that all the international students got full scholarships, regardless of how much money their parents had. The son of the prince of Nepal was in our class, and didn’t pay tuition. Ivan had once caused me pain by saying something deprecating about “people whose parents paid a hundred thousand dollars for them to be here.” Did he not know that my parents were paying a hundred thousand dollars for me to be there? The thought that really made me crazy was that my parents had paid for Ivan to be there. It was another experience they had paid for me to have.

know that taking a long walk was his preferred way to have a serious conversation. It turned out that he wanted me to write a biography of him. I had recently published one on Benjamin Franklin and was writing one about Albert Einstein, and my initial reaction was to wonder, half jokingly, whether he saw himself as the natural successor in that sequence. Because I assumed that he was still in the middle of an oscillating career that had many more ups and downs left, I demurred. Not now, I said. Maybe in a decade or two, when you retire. I had known him since 1984, when he came to Manhattan to have lunch with Time’s editors and extol his new Macintosh. He was petulant even then, attacking a Time correspondent for having wounded him with a story that was too revealing. But talking to him afterward, I found myself rather captivated, as so many others have been over the years, by his engaging intensity. We stayed in touch, even after he was ousted from Apple. When he had something to pitch, such as a NeXT computer or Pixar movie, the beam of his charm would suddenly refocus on me, and he would take me to a sushi restaurant in Lower Manhattan to tell me that whatever he was touting was the best thing he had ever produced. I liked him. When he was restored to the throne at Apple, we put him on the cover of Time, and soon thereafter he began offering me his ideas for a series we were doing on the most influential people of the century. He had launched his “Think Different” campaign, featuring iconic photos of some of the same people we were considering, and he found the endeavor of assessing historic influence fascinating. After I had deflected his suggestion that I write a biography of him, I heard from him every now and then. At one point I emailed to ask if it was true, as my daughter had told me, that the Apple logo was an homage to Alan Turing, the British computer pioneer who broke the German wartime codes and then committed suicide by biting into a cyanide-laced apple. He replied that he wished he had thought of that, but hadn’t. That started an exchange about the early history of Apple, and I found myself gathering string on the subject, just in case I ever decided to do such a book. When my Einstein biography came out, he came to a book event in Palo Alto and

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

An American businessman took a vacation to a small coastal Mexican village on doctor’s orders. Unable to sleep after an urgent phone call from the office the first morning, he walked out to the pier to clear his head. A small boat with just one fisherman had docked, and inside the boat were several large yellowfin tuna. The American complimented the Mexican on the quality of his fish. “How long did it take you to catch them?” the American asked. “Only a little while,” the Mexican replied in surprisingly good English. “Why don’t you stay out longer and catch more fish?” the American then asked. “I have enough to support my family and give a few to friends,” the Mexican said as he unloaded them into a basket. “But… What do you do with the rest of your time?” The Mexican looked up and smiled. “I sleep late, fish a little, play with my children, take a siesta with my wife, Julia, and stroll into the village each evening, where I sip wine and play guitar with my amigos. I have a full and busy life, señor.” The American laughed and stood tall. “Sir, I’m a Harvard M.B.A. and can help you. You should spend more time fishing, and with the proceeds, buy a bigger boat. In no time, you could buy several boats with the increased haul. Eventually, you would have a fleet of fishing boats.” He continued, “Instead of selling your catch to a middleman, you would sell directly to the consumers, eventually opening your own cannery. You would control the product, processing, and distribution. You would need to leave this small coastal fishing village, of course, and move to Mexico City, then to Los Angeles, and eventually to New York City, where you could run your expanded enterprise with proper management. The Mexican fisherman asked, “But, señor, how long will all this take?” To which the American replied, “15-20 years, 25 tops.” “But what then, señor?” The American laughed and said, “That’s the best part. When the time is right, you would announce an IPO and sell your company stock to the public and become very rich. You would make millions.” “Millions señor? Then what?" “Then you would retire and move to a small coastal fishing village, where you would sleep late, fish a little, play with your kids, take a siesta with your wife, and stroll in to the village in the evenings where you could sip wine and play your guitar with your amigos.

Navy Seals Stress Relief Tactics (As printed in O Online Magazine, Sept. 8, 2014) Prep for Battle: Instead of wasting energy by catastrophizing about stressful situations, SEALs spend hours in mental dress rehearsals before springing into action, says Lu Lastra, director of mentorship for Naval Special Warfare and a former SEAL command master chief.  He calls it mental loading and says you can practice it, too.  When your boss calls you into her office, take a few minutes first to run through a handful of likely scenarios and envision yourself navigating each one in the best possible way.  The extra prep can ease anxiety and give you the confidence to react calmly to whatever situation arises. Talk Yourself Up: Positive self-talk is quite possibly the most important skill these warriors learn during their 15-month training, says Lastra.  The most successful SEALs may not have the biggest biceps or the fastest mile, but they know how to turn their negative thoughts around.  Lastra recommends coming up with your own mantra to remind yourself that you’ve got the grit and talent to persevere during tough times. Embrace the Suck: “When the weather is foul and nothing is going right, that’s when I think, now we’re getting someplace!” says Lastra, who encourages recruits to power through the times when they’re freezing, exhausted or discouraged.  Why?  Lastra says, “The, suckiest moments are when most people give up; the resilient ones spot a golden opportunity to surpass their competitors.  It’s one thing to be an excellent athlete when the conditions are perfect,” he says.  “But when the circumstances aren’t so favorable, those who have stronger wills are more likely to rise to victory.” Take a Deep Breath: “Meditation and deep breathing help slow the cognitive process and open us up to our more intuitive thoughts,” says retired SEAL commander Mark Divine, who developed SEALFit, a demanding training program for civilians that incorporates yoga, mindfulness and breathing techniques.  He says some of his fellow SEALs became so tuned-in, they were able to sense the presence of nearby roadside bombs.  Who doesn’t want that kind of Jedi mind power?  A good place to start: Practice what the SEALs call 4 x 4 x 4 breathing.  Inhale deeply for four counts, then exhale for four counts and repeat the cycle for four minutes several times a day.  You’re guaranteed to feel calmer on any battleground. Learn to value yourself, which means to fight for your happiness. ---Ayn Rand

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

We've been here three days already, and I've yet to cook a single meal. The night we arrived, my dad ordered Chinese takeout from the old Cantonese restaurant around the corner, where they still serve the best egg foo yung, light and fluffy and swimming in rich, brown gravy. Then there had been Mineo's pizza and corned beef sandwiches from the kosher deli on Murray, all my childhood favorites. But last night I'd fallen asleep reading Arthur Schwartz's Naples at Table and had dreamed of pizza rustica, so when I awoke early on Saturday morning with a powerful craving for Italian peasant food, I decided to go shopping. Besides, I don't ever really feel at home anywhere until I've cooked a meal. The Strip is down by the Allegheny River, a five- or six-block stretch filled with produce markets, old-fashioned butcher shops, fishmongers, cheese shops, flower stalls, and a shop that sells coffee that's been roasted on the premises. It used to be, and perhaps still is, where chefs pick up their produce and order cheeses, meats, and fish. The side streets and alleys are littered with moldering vegetables, fruits, and discarded lettuce leaves, and the smell in places is vaguely unpleasant. There are lots of beautiful, old warehouse buildings, brick with lovely arched windows, some of which are now, to my surprise, being converted into trendy loft apartments. If you're a restaurateur you get here early, four or five in the morning. Around seven or eight o'clock, home cooks, tourists, and various passers-through begin to clog the Strip, aggressively vying for the precious few available parking spaces, not to mention tables at Pamela's, a retro diner that serves the best hotcakes in Pittsburgh. On weekends, street vendors crowd the sidewalks, selling beaded necklaces, used CDs, bandanas in exotic colors, cheap, plastic running shoes, and Steelers paraphernalia by the ton. It's a loud, jostling, carnivalesque experience and one of the best things about Pittsburgh. There's even a bakery called Bruno's that sells only biscotti- at least fifteen different varieties daily. Bruno used to be an accountant until he retired from Mellon Bank at the age of sixty-five to bake biscotti full-time. There's a little hand-scrawled sign in the front of window that says, GET IN HERE! You can't pass it without smiling. It's a little after eight when Chloe and I finish up at the Pennsylvania Macaroni Company where, in addition to the prosciutto, soppressata, both hot and sweet sausages, fresh ricotta, mozzarella, and imported Parmigiano Reggiano, all essential ingredients for pizza rustica, I've also picked up a couple of cans of San Marzano tomatoes, which I happily note are thirty-nine cents cheaper here than in New York.

Retirement sounds appropriate when you are ageing, fact is you aged because you have been thinking of retirement.

In fact, my colleague Peter D'Arruda ("Coach Pete") sums it up best when he says that no one is any safer than the person who has looked ahead and shifted the financial burden from their family to an insurance company in the form of life or long-term care insurance. There's really no better way to bring peace of mind with you into retirement

Thomas Rauchegger of Cramer & Rauchegger, Inc. is an accomplished financial consultant, licensed Series 7 Securities Representative, a Series 66 holder, a Certified Estate planner, and a life insurance license holder who obtained a Master of Business Administration from the University of Central Florida. In his 15 years of experience, Tom has adopted a philanthropic approach in the areas of finance and estate planning – delivering reliable and trustworthy service to all clients as an advocate for the best-possible retirement years.

After anyone retires from a position of responsibility and remains associated with the same organisation, it is unfair to your successor to try and retain the authority you once possessed. You have to let go and let the new man and the new regime do what they think is best.

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

should strive to have a mix of these four types of activities at some point during your daily and weekly routines: 1. Physical Activity 2. Mental Stimulation 3. Social Interaction 4. Fulfillment

Taking the initiative to enjoy what comes, to share it with others, and to make a difference in whatever you do will be the ultimate yardstick for determining the success of your retirement.

In one day you can sit under the trees in a thin dress and be too warm if the sun is at its best, and then be half frozen two hours later if the wind is in earnest and the sun has retired. In the sun, Paradise; in shade, protect yourself!

Actions Summary The following list of new institutions, policies and actions is my best effort at envisaging what is required for Australia to survive the climate emergency. • A National Target and Plan for 95% or more of electricity to be supplied by renewables by 2030. • State plans to electrify all transport, beginning with the swift retirement of non-electric buses and including a plan for 50% of all new car sales to be EVs by 2030. • Implement planned changes to how we work and live so as to minimise unnecessary travel. • A plan for clean hydrogen to replace bunker fuel in shipping. • A plan for the adoption of e-fuels for aviation, with an aim to have all domestic flights running on e-fuel by 2030. • A National Commission for Climate Adaptation, with a Coastal Defence Fund and a Commission for Primary Production operating under its umbrella. • A National Initiative on Drawdown Innovation to provide leadership in early stage research and fund some on-ground projects. • The Federal Government to help convene a Global Working Group on Geoengineering.

Anneke, I don't know what the FUCK just got into you, but if you want to have a job here, I suggest you go home now and think about what you want to say to us tomorrow to make us want to keep you." I look him dead in his beady little eyes and with a deep sense of calm, I unload, pretty as you please with honeyed tones. "You don't have to worry, Murph. I don't want to have a job here. I'm tired of the bullshit kowtowing to entitled crap-buckets like the Mannings. I'm tired of you and Mac never giving me my due or having my back. I'm tired of you feeding all the good stuff to your obsequious cousin Liam and leaving me all the shit. I'm tired of your endless series of talentless legs and boobs and hair extensions that you like wandering around here despite their general incompetence. I'm finished. I'm the best you had and the only one you should have trained to replace you in three years when you want to retire and still draw income. And you've never once done anything to show that you know it. So, since it's clear that you will always take the word of the client over someone who has been a valuable employee for nearly a decade, I am fucking done." I never raise my voice; the smile never leaves my face. I deliver this blow with as much grace as I can muster, throw my bag over my shoulder, grab the small box of my personal effects, and push past him before he can even close his gaping jaw. I head out of my office, feeling flushed and nervous, but also giddy. Liam is standing next to the front desk, chatting up Pinky Tuscadero Barbie. "That's a lot of yelling back there, Annamuk." He leers at me. "That time of the month?" The Barbie giggles. "Hey, Liam? A word to the wise. That fancy truck? Doesn't mean you don't HAVE a tiny little dick. It just means that you want the WHOLE WORLD to know it." And with that, I open the door wide, letting the frigid wind blow through, leaving them both gape-jawed in a tornado of papers.

Work helps prevent one from getting old. I, for one, cannot dream of retiring. Not now or ever. Retire? The word is alien and the idea inconceivable to me. I don’t believe in retirement for anyone in my type of work, not while the spirit remains. My work is my life. I cannot think of one without the other. To retire means to begin to die. The man who works and is never bored is never old. Work and interest are the best remedy for age. Each day I am reborn. Each day I must begin again.

We convince ourselves that life will be better after we get married, have a baby, then another. Then we're frustrated that the kids aren't old enough and we'll be more content when they are. After that, we're frustrated that we have teenagers to deal with. We'll certainly be happy when they're out of that stage. We tell ourselves that our life will be complete when our spouse gets his or her act together, when we get a nicer car, are able to go on a nice vacation, when we retire. The truth is, there's no better time to be happy than right now. If not now, when? Your life will always be filled with challenges. It's best to admit this to yourself and decide to be happy anyway...

Yet so many investors do this with stocks because they view them as mere numbers on a screen. By engaging in such short-term behavior, you increase your likelihood of making poor decisions. Market timing is also not as easy as

stocks

5 MILLION PEOPLE need to change the conversation about what retirement looks like. It is not about trillions of dollars of superannuation or squillions of dollars in travel spending like the newspapers tell us. It’s about real people living the best years of their lives in happiness and comfort and understanding how their finances work.

Purpose Somebody said, real self awareness lies beyond thinking, When the mind does not think, But can eyes serve their purpose if they are always closed or open? No, their true purpose lies in blinking, Even to realise we are not thinking we need to think, So when they say silence is what offers inner peace, I say without sounds, without voices, without music you experience a different form of silence, Where you find not inner peace, but just your forsaken and unknown piece, A piece that bears life’s no resonance, So, you may meditate in silence, but let your mind be filled with voices, Voices of love, voice of endless nature’s music, Because it is only in death you shall experience eternal silence as it marks the end of all voices, That is why death approaches silently, because it is only when you are alive that you can create and feel music, So if they tell you to stop thinking and remain still! Just smile, let them hear your voices of laughter and let them envy you, Because by forcing you into silence even before your time to die, they actually intend to kill, The beautiful and thinking mind gifted by universe just to you, only to you, And if silence and thoughtless existence were the true philosophy of the universe, Then there would exist flowers and nothing else, no breeze to scatter their scents and no birds to sing, In this universe nothing is purposeless or perverse, Imagine a beautiful butterfly withouts its wing, And a mind that does not think is like a butterfly without wings, Like a flower garden never visited by breeze, So sing aloud whenever your heart sings, Because with your mind and heart it is you who you should first be able to please, Let these silencers of your mind and its beautiful thoughts say whatever they wish to, You just fly like a butterfly with wings and dance to the tunes of every beautiful voice, Because mind is an instrument from which you can create whatever you wish to, So listen to the voices, listen to the sounds, love someone true and confess this to her in your beautiful voice, I wonder what silent love feels like where two hearts just beat but never communicate, Always remember your mind just like your life, serves a perspicuous purpose, But when your mind is silent it retires into the hinterland where nothing grows because it now has no thoughts to replicate, And it is then your heart turns impervious to every feeling, to every voice, and you begin to surmise about reality too that has an obvious purpose!

With her and that someday He entered the quietness of his own mind, Where he could not be by anyone found, Neither by the rays of the bright sun, Nor by the deeds that seek him for acts still undone, But he lies in the silence of his mind, quiet and silent, Here he deals with million feelings, many permanent and a few transient, He thinks of her and her beautiful ways, In the darkness of nights and brightness of sunny days, Seeking something that would lead him to her, And then rest there, in that sacred space of his mind, forever with her, Time calls him but he appears to be heedless to its every call, The day invites him, but all its invitations collide against a robust wall, The wall of his mind that surrounds him permanently, Because there he likes to be with her virtual entity, Maybe he wants to escape from this state of morbid stillness, But in this stillness, a state of nothingness, he experiences a feeling of fullness, For imagination is the darling muse of every beautiful mind, And maybe there he lies with her, beyond the evil fangs of reality, in the imagination of his mind, Undisturbed by the evil intended men and women, Who always want to act in other’s lives as specialist foremen, Without realising winter can never know the feelings of the summer, And without having loved and lost, how can others think they are better, So they force him to digress and retire to his mind, and the quiet space there, A place that actually is nothing and nowhere, but for him for now, it is his only somewhere, Where love finds him because he always finds it, In her memories, in her imaginations, and in the strange devices of his own wit, So he has become anonymous for the world, but a sort of forced anonymity with a hidden intent, Because whenever I see him, I feel he did not go there, there he was forcefully sent, Maybe he is long dead now, and it is his ghost that visits this mind, Because he is obsessed with knowing the undefined, For most of us have to muster courage, But a few of us are born with it way above the normal average! And perhaps a typhoon of thoughts is on its way, Who knows when, because they murdered him a long ago, but his ghost is still seeking to resurrect him one day, that anonymous someday!

Vacant yet hopeful The windows are closed, The room is lit with sunshine and many wishes proposed and unproposed, There in the vacant room where no one lives, You can feel something that mind denies and only the heart believes, Something unseen that sweeps across the walls, Walls from where the sunlight night’s shadows uninstalls, Shadows that do not leave the room and occupy dark corners of this vacant room, Almost like the dark irony of the shadow cast by the most beautiful flower in bloom, And as the sun is forced to retire by the advancing darkness, The shadows rise and hang on the walls with a defiant steadiness, Then they begin to crawl to and fro, here and there, until they are everywhere, And the vacant room is now occupied by its resident darkness that springs from somewhere, Maybe it is just an imagination, because nights are dark and days are either bright or sunny, There could be reasons many, and explanations as many, So, I decide to occupy the vacant room and challenge its shadows, There in the shadows, I found trapped moments of time, that the room from somewhere borrows, From past, from moments that long ago ceased to exist, So, I opened the windows and the shadows fell, and they no longer did about anything insist, Because the touch of sunlight had allowed the hope to enter, And now, the once dark room, the room of sorrows, is the hope’s main center, Where I often enter to think of her, and my past, And now instead of dark shadows, her beautiful reflection on all walls I have cast, So, if you happen to visit the room, and you see her staring at you from every wall, It is a fused reflection of our love, all our feelings; and an open display of our romantic ball.

You and your beauty’s world! They say imagination is always ahead of the dream, So I imagine about you, your ways, your sweet smile, and then I retire into a dream, Where you are the imagination, you are the reality, Where I sleep in the palpable wonder of your beauty, And whenever I wake up in these endless projections of your beauty, I feel within me the rush of your beauty and its sanctity, Then when I have reposed in it for long enough, I imagine again and indulge in the imaginary bluff, Where you are cast in the mirror of my life and now you reflect everywhere, Easily everywhere because in this world there is no here and no there, It is always everywhere although you are just somewhere, Because it does not matter as long as your beauty and you are there, just there, Then who cares whether it is left or right, up or down, East or West, For me in your presence everything appears to be in a state nothing short of the best, So it is this world, your world, your beauty’s world where you are installed in every atom and its every element, And even God wonders what is this new, but such a wonderful element!

Similarly, let’s say you want to start a business. What’s the ultimate purpose? Are you trying to make an extra few hundred dollars a month to be able to go on holiday? Or are you aiming for a multimillion-dollar exit so you can retire early? Or are you building something you think will help people and change lives? Now think about what that means for your next steps. Do you really need to quit your job altogether, or just carve out a few hours in the evenings? Would it be best to rush headlong into creating the business, or do you need to develop your skills first?

And now the reader will ask what became of the three penguins' eggs for which three human lives had been risked three hundred times a day, and three human frames strained to the utmost extremity of human endurance. Let us leave the Antarctic for a moment and conceive ourselves in the year 1913 in the Natural History Museum in South Kensington. I had written to say that I would bring the eggs at this time. Present, myself, C.-G., the sole survivor of the three, with First or Doorstep Custodian of the Sacred Eggs. I did not take a verbatim report of his welcome; but the spirit of it may be dramatized as follows: First Custodian. Who are you? What do you want? This ain't an egg-shop. What call have you to come meddling with our eggs? Do you want me to put the police on to you? Is it the crocodile's egg you're after? I don't know nothing about 'no eggs. You'd best speak to Mr. Brown: it's him that varnishes the eggs. I resort to Mr. Brown, who ushers me into the presence of the Chief Custodian, a man of scientific aspect, with two manners: one, affably courteous, for a Person of Importance (I guess a Naturalist Rothschild at least) with whom he is conversing, and the other, extraordinarily offensive even for an official man of science, for myself. I announce myself with becoming modesty as the bearer of the penguins' eggs, and proffer them. The Chief Custodian takes them into custody without a word of thanks, and turns to the Person of Importance to discuss them. I wait. The temperature of my blood rises. The conversation proceeds for what seems to me a considerable period. Suddenly the Chief Custodian notices my presence and seems to resent it. Chief Custodian. You needn't wait. Heroic Explorer. I should like to have a receipt for the eggs, if you please. Chief Custodian. It is not necessary: it is all right. You needn't wait. Heroic Explorer. I should like to have a receipt. But by this time the Chief Custodian's attention is again devoted wholly to the Person of Importance. Feeling that to persist in overhearing their conversation would be an indelicacy, the Heroic Explorer politely leaves the room, and establishes himself on a chair in a gloomy passage outside, where he wiles away the time by rehearsing in his imagination how he will tell off the Chief Custodian when the Person of Importance retires. But this the Person of Importance shows no sign of doing, and the Explorer's thoughts and intentions become darker and darker. As the day wears on, minor officials, passing to and from the Presence, look at him doubtfully and ask his business. The reply is always the same, "I am waiting for a receipt for some penguins' eggs." At last it becomes clear from the Explorer's expression that what he is really waiting for is not to take a receipt but to commit murder. Presumably this is reported to the destined victim: at all events the receipt finally comes; and the Explorer goes his way with it, feeling that he has behaved like a perfect gentleman, but so very dissatisfied with that vapid consolation that for hours he continues his imaginary rehearsals of what he would have liked to have done to that Custodian (mostly with his boots) by way of teaching him manners.

I played well, and Pia was like, I’m going to offer you a contract, and I said, No, I’m retiring,” Markgraf remembers. She finished her career at 201 caps for the national team. Because of the dispute, however, the national team’s contract with U.S. Soccer started to contain a new clause going forward—it was nicknamed “The Markgraf Rule.” It guaranteed that if a player left the team for pregnancy, once she was fit enough to return, she would be put back on the same contract and continue to be called up for at least three months—enough time to try to prove she still deserved her spot. That rule went on to benefit a number of players over the years. Amy Rodriguez has been perhaps the best example. She gave birth in 2013, and through repeated call-ups after she recovered, she discovered arguably the best form of her career. She led her club team to two National Women’s Soccer League championships and helped the U.S. win a World Cup. Shannon Boxx is another player who earned her spot back after giving birth and won a World Cup. But by 2009, all anyone knew was that a woman should never be kicked off the team for having a child again. Little by little, even if it didn’t happen in the public, acrimonious ways of the past, the national team was continuing to stand up for itself.

Brian, I know you told me your last job was your last job, a strange feeling came over me when I took the booking, they asked for someone with an abundance of patience and who has better patience than you, no one, better care, and that best carer, my friend is you, Brian you listen to me, and you listen good, think of this as your retirement present, think of this as a way of closure for all the wonderful work you have done for the past thirty years, if not for my sake, then do it for the sake of an old eighty-four-year-old woman

He seemed surprised to hear from me now, his tone holding a note of shock. “Saint, how are you? What can I do for you?” “Kenneth. I just heard about the new volunteer counselor. I was hoping to get a copy of his credentials. As you know, the situation with some of the kids is pretty tenuous and new people scare them,” I said. “Oh! Didn’t you know he was coming? He said he had been approved months ago but he had delayed his start date due to traveling out of state for a family death. His name is Roland Cunningham. He’s been a high school counselor for fifteen years and now he’s semi-retired and wants to give back. He says that he saw so many gay kids who needed an ear.” I rolled my eyes so hard I almost hurt myself and Rio frowned at me questioningly. I shook my head and pulled in one deep breath before I spoke. “No, he hasn’t been approved for months. I’ve never heard of him. I suspect he’s a spy who belongs to Clay Greene.” I could hear Kenneth suck air, then chuckle disbelievingly. “Oh, no, Saint. That’s impossible. He had a copy of a volunteer application that you signed and dated in January. You probably just forgot, I know you’ve had a lot on your mind with your sister and everything.” I heard him click his tongue and had to work to not reach through the phone and wring his neck. “He’s going to make sure the kids have someone else to talk to. Don’t worry about it, I’m taking care of everything.” Rio’s frown had morphed into mild alarm, and I wasn’t sure what my face was doing that was causing it but whatever it was must have been interesting. He edged closer as I took several deep breaths. “Kenneth. Listen to me. You need to be cautious. Have you seen the security reports from Mr. Rao? Did make sure you let him know about this Cunningham? Did you run the background check?” “I glanced through the reports, yes, but no, I didn’t tell him about Roland. Mr. Rao is the night guard and Roland is scheduled for afternoons.” He chuckled lightly. “I didn’t see the overlap.” I did not grind my teeth, but it was a near thing. Rio hovered, not touching me, which I was grateful for. Once I got off this phone I was going to go off. “What about the background check, Ken? You know the background check policy.” “Oh, yes,” Kenneth said. “We did the background check. Completely clean, exemplary record with several awards from his career. Really, you need to calm down. I have it all under control.” “Right,” I said. “Well, I’ll let you get back to it then, Ken. Thank you.” I hung up before Kenneth could reply and Rio looked at me warily. “I am going to have him kicked off the board so fast his fucking head is going to spin. Shouldn’t be too hard, it’s full of ball bearings and broken gravel,” I snarled. “So that didn’t go well,” Rio observed quietly. He was still hovering, clearly unsure of how best to handle me.

Feynman once remarked that the best way to find new insights into a problem was to step out of the box, ignore previous publications, and come to your own conclusions.

Gen X women had sky-high expectations for themselves. The contrast between our “you can be anything” indoctrination and the stark realities encountered in midlife—when you might, despite your best efforts, not be able to find a partner or get pregnant or save for retirement or own your own home or find a job with benefits—has made us feel like failures at the exact moment when we most require courage. It takes our bodies longer to recover from a night of drinking and it takes our spirits longer to bounce back from rejection. We may wind up asking questions like the one my friend posed to me the other night: “Do you think my life is ever going to be good again?

That’s one of my major themes in Firefly Lane—that we need to accept that we are good enough, that all we can do is our best. The whole supermom/superwoman thing is an idea that needs to be retired. We’re just women, and while we are super, we don’t have superpowers.

Purpose is about you, and what makes life meaningful to you. Calling is about God, and the assignments He has for you to carry out. Purpose is about you using your wisdom and experience to do something that “fits” your life in retirement. Calling is about making yourself open and vulnerable so that you can respond fully and obediently to God’s leading.

After suffering the loss of a loved one, do nothing but keep your money safe and sound for at least one year. If you want to find the best financial advisor, look in the mirror—for no one will care about your money more than you do.

Professional investment advisers are best at providing other valuable services, including asset allocation guidance, information on tax considerations, and advice on how much to save while you work and how much to spend when you retire. Further, most advisers are always there to consult with you about the financial markets.

Life could never be contained by words. It could only be expressed to the best of one's ability, in the hopes of capturing a tiny spark and giving it away.

heard the door swing open. A moment later a tiny Indonesian woman with long dark hair and thick glasses swept into the kitchen and dropped into a chair. “Dali!” Julie smiled. Dali waved at her. After we retired, Jim Shrapshire, Curran’s best friend, became the Beast Lord. That made Dali the Beast Lady. She now had my job with all the pain and trouble that came with it. “Consort,” I said. “You honor us.” “Fuck you,” Dali said. “Fuck your shit. I quit.” I laughed and reached for a potato.

When he finished he had a magnificent house, perched on the edge of a precipice at whose feet the ocean thundered, but it was a house that knew no happiness, for shortly after Whip had moved in with his third wife, the Hawaiian-Chinese beauty Ching-ching, who was pregnant at the time, she had caught him fooling around with the brothel girls that flourished in the town of Kapaa. Without even a scene of recrimination, Ching-ching had simply ordered a carriage and driven back to the capital town of Lihune, where she boarded an H & H steamer for Honolulu. She divorced Whip but kept both his daughter Iliki and his yet-unborn son John. Now there were two Mrs. Whipple Hoxworths in Honolulu and they caused some embarrassment to the more staid community. There was his first wife, Iliki Janders Hoxworth, who moved in only the best missionary circles, and there was Ching-ching Hoxworth who lived within the Chinese community. The two never met, but Howxworth & Hale saw to it that each received a monthly allowance. The sums were generous, but not so much so as those sent periodically Wild Whip's second wife, the fiery Spanish girl named Aloma Duarte Hoxworth, whose name frequently appeared in New York and London newspapers... p623 When the polo players had departed, when the field kitchens were taken down, and when the patient little Japanese gardeners were tending each cut in the polo turf as if it were a personal wound, Wild Whip would retire to his sprawling mansion overlooking the sea and get drunk. He was never offensive and never beat anyone while intoxicated. At such times he stayed away from the brothels in Kapaa and away from the broad lanai from which he could see the ocean. In a small, darkened room he drank, and as he did so he often recalled his grandfather's words: "Girls are like stars, and you could reach up and pinch each one on the points. And then in the east the moon rises, enormous and perfect. And that's something else, entirely different." It was now apparent to Whip, in his forty-fifth year, that for him the moon did not intend to rise. Somehow he had missed encountering the woman whom he could love as his grandfather had loved the Hawaiian princess Noelani. He had known hundreds of women, but he had found none that a man could permanently want or respect. Those who were desirable were mean in spirit and those who were loyal were sure to be tedious. It was probably best, he thought at such times, to do as he did: know a couple of the better girls at Kapaa, wait for some friend's wife who was bored with her husband, or trust that a casual trip through the more settled camps might turn up some workman's wife who wanted a little excitement. It wasn't a bad life and was certainly less expensive in the long run than trying to marry and divorce a succession of giddy women; but often when he had reached this conclusion, through the bamboo shades of the darkened room in which he huddled a light would penetrate, and it would be the great moon risen from the waters to the east and now passing majestically high above the Pacific. It was an all-seeing beacon, brillant enough to make the grassy lawns on Hanakai a sheet of silver, probing enough to find any mansion tucked away beneath the casuarina trees. When this moon sought out Wild Whip he would first draw in his feet, trying like a child to evade it, but when it persisted he often rose, threw open the lanai screens, and went forth to meet it. p625

I relished the cool air, the green countryside, my own goods and chattels, and best of all my comfortable bed.

The main mistake when dealing with an overwhelming amount of data and stuff is to reduce it, rather than relating to it on a more abstract level. It's always easier to cut away than it is to create, but it's not always the best solution.

Is your money best spent on an extra bedroom or five years of freedom?

traditional best way is to learn several recipes and notice which ingredients they have in common. If one recipe includes an ingredient that is used in only that recipe, avoid the recipe. The more it's optimized, the easier it is to manage the system, but obviously there are diminishing returns to obsessing over which recipes have the most synergy.

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

By the first day of January, 19.., I will have in my possession $50, 000, which will come to me in various amounts from time to time during the interim. “In return for this money I will give the most efficient service of which I am capable, rendering the fullest possible quantity, and the best possible quality of service in the capacity of salesman of . . . . . . . . . . . (describe the service or merchandise you intend to sell). “I believe that I will have this money in my possession. My faith is so strong that I can now see this money before my eyes. I can touch it with my hands. It is now awaiting transfer to me at the time, and in the proportion that I deliver the service I intend to render in return for it. I am awaiting a plan by which to accumulate this money, and I will follow that plan, when it is received.” Second. Repeat this program night and morning until you can see, (in your imagination) the money you intend to accumulate. Third. Place a written copy of your statement where you can see it night and morning, and read it just before retiring, and upon arising until it has been memorized. Remember, as you carry out these instructions, that you are applying the principle of auto-suggestion, for the purpose of giving orders to your subconscious mind. Remember, also, that your subconscious mind will act ONLY upon instructions which are emotionalized, and handed over to it with “feeling.” FAITH is the strongest, and most productive of the emotions. Follow the instructions given in the chapter on FAITH.

Second Officer Lightoller also served in the Royal Navy during the first war. He returned to White Star after the Armistice and was made Chief Officer of the lumbering Celtic. For a while he had hopes of a transfer to the crack Olympic, but was passed over. He retired from the sea in the early 20’s and tried his hand (not too successfully) at everything from writing columns to raising chickens. But the sea still ran in his blood. He designed and sailed his own yacht Sundowner and had a final taste of peril in 1940. He took Sundowner over to Dunkirk with the great fleet of “little ships,” and rescued 131 British soldiers. At his best in the midst of disaster, he cheerfully wrote his brother-in-law several days later, “We’ve got our tails well up and are going to win no matter when or how.

Her face and the garden Her face is like a summer garden, By divine beauty tended and by grace never forsaken, There bloom roses many, and lilies too, And I keep looking at it, for in spell bound state what else can I do, Yesterday she was a garden of roses, Last year she was the entire spring, where once in bloom, the beauty’s flower never closes, This year she has transformed into a garden blooming with new flowers, Daisies, daffodils, and sunflowers standing like beauty’s radiant towers, Rendered more radiant in the never ending splendour of her eyes, And the garden of beautiful roses growing all over her, even time defies, While I watch the garden of beauty grow over her face, My heart beats assume a new and lovely pace, That draw my mind into this world of endless beauty, And I know not whether it obeys my heart’s yearnings or it too has grown fond of her pure serenity, The summer has found a permanent residence in her face, infact within her, Because I still see the roses blooming over her face although it is late November, And when sometimes she brushes her hair with her fingers, The roses peek from her face to feel her finger tips and their magical wonders, And when she rests her eyelids upon her eyes, The pollen dust of million flowers, upon her waiting eyelashes, a perfect sheen applies, That neither sparkles nor glows, But in the garden of her face it simply in its splendour grows, And when the winter sun gets tired and retires finally, The lilies apply the mask of radiance on her tenderly, While the violets and narcissus seep deep into her brow, And what a wonder she is to look at now, A beauty with no end, where waves of summer flow interminably, As she rests her head on the pillow and closes her eyes slowly, The morning glory turns into the night glory, And then begins our own love story, Where the lovely and winding creepers grow all over us, over her and over me too, Finally the garden of beauty grows all over us, and now it shall be so, no matter what you do, I in the garden of her beauty where flowers bloom everywhere, And then my heart confesses, “Irma, let us hide in this garden somewhere, To be never found by time, and never felt by any season, Because finally we have found love in each other that defies every reason,” And this is how it has been for many years now, I and my every feeling of love sinking deep into her beauty’s eternal brow!

True retirement means no longer having a job, yet having an income each month to cover all your expenses.

Her grandma Hilda was my grandma. I loved her dearly. After being married for 58 years, her husband died, and we all watched as she suffered. For ten years, Hilda cried herself to sleep at night. She was living on her own, proud and independent, but heart-achingly lonely, missing her life partner. We didn’t have the heart to put her in a home, yet with Hilda’s dementia worsening, Bonnie Pearl’s mom, Sharon, was determined to find her a home with the best possible care. We had heard that some retirement communities were pretty spectacular, and after weeks of looking, Sharon finally found a community that gave the Four Seasons a run for its money—this place is amazing. I always said I’d stay there, and I don’t say that about many places. So guess what happened to Grandmom after moving into her new digs? Forget that she traded up to a beautiful new apartment with modern amenities and 24-hour care. That was just the tip of the iceberg. More amazing than that, she began a second life! At 88 years old, she transformed into a new woman and fell in love again. A 92-year-old Italian captured her heart. (“I don’t let him under my shirt yet, but he tries all the time,” she said with a grin.) They had four beautiful years together before he passed away, and I kid you not, at his funeral, she met her next beau. Her last decade was filled with a quality of life she never could have envisioned. She found happiness, joy, love, and friendship again. It was an unexpected last chapter of her life and a reminder that love is the ultimate wealth. It can show up unexpected anytime, anywhere—and it is never too late.

It is not necessary for being with GOD to be always at church: we may make an oratory of our heart wherein to retire from time to time to converse with Him in meekness, humility and love. Every one is capable of such familiar conversation with GOD, some more, some less: He knows what we can do. Let us begin, then. Perhaps

During NASA’s first fifty years the agency’s accomplishments were admired globally. Democratic and Republican leaders were generally bipartisan on the future of American spaceflight. The blueprint for the twenty-first century called for sustaining the International Space Station and its fifteen-nation partnership until at least 2020, and for building the space shuttle’s heavy-lift rocket and deep spacecraft successor to enable astronauts to fly beyond the friendly confines of low earth orbit for the first time since Apollo. That deep space ship would fly them again around the moon, then farther out to our solar system’s LaGrange points, and then deeper into space for rendezvous with asteroids and comets, learning how to deal with radiation and other deep space hazards before reaching for Mars or landings on Saturn’s moons. It was the clearest, most reasonable and best cost-achievable goal that NASA had been given since President John F. Kennedy’s historic decision to land astronauts on the lunar surface. Then Barack Obama was elected president. The promising new chief executive gave NASA short shrift, turning the agency’s future over to middle-level bureaucrats with no dreams or vision, bent on slashing existing human spaceflight plans that had their genesis in the Kennedy, Johnson, Nixon, Ford, Carter, Reagan, Bush, Clinton, and Bush White Houses. From the starting gate, Mr. Obama’s uncaring space team rolled the dice. First they set up a presidential commission designed to find without question we couldn’t afford the already-established spaceflight plans. Thirty to sixty thousand highly skilled jobs went on the chopping block with space towns coast to coast facing 12 percent unemployment. $9.4 billion already spent on heavy-lift rockets and deep space ships was unashamedly flushed down America’s toilet. The fifty-year dream of new frontiers was replaced with the shortsighted obligations of party politics. As 2011 dawned, NASA, one of America’s great science agencies, was effectively defunct. While Congress has so far prohibited the total cancellation of the space agency’s plans to once again fly astronauts beyond low earth orbit, Obama space operatives have systematically used bureaucratic tricks to slow roll them to a crawl. Congress holds the purse strings and spent most of 2010 saying, “Wait just a minute.” Thousands of highly skilled jobs across the economic spectrum have been lost while hundreds of billions in “stimulus” have been spent. As of this writing only Congress can stop the NASA killing. Florida’s senior U.S. Senator Bill Nelson, a Democrat, a former spaceflyer himself, is leading the fight to keep Obama space advisors from walking away from fifty years of national investment, from throwing the final spade of dirt on the memory of some of America’s most admired heroes. Congressional committees have heard from expert after expert that Mr. Obama’s proposal would be devastating. Placing America’s future in space in the hands of the Russians and inexperienced commercial operatives is foolhardy. Space legend John Glenn, a retired Democratic Senator from Ohio, told president Obama that “Retiring the space shuttles before the country has another space ship is folly. It could leave Americans stranded on the International Space Station with only a Russian spacecraft, if working, to get them off.” And Neil Armstrong testified before the Senate’s Commerce, Science & Transportation Committee that “With regard to President Obama’s 2010 plan, I have yet to find a person in NASA, the Defense Department, the Air Force, the National Academies, industry, or academia that had any knowledge of the plan prior to its announcement. Rumors abound that neither the NASA Administrator nor the President’s Science and Technology Advisor were knowledgeable about the plan. Lack of review normally guarantees that there will be overlooked requirements and unwelcome consequences. How could such a chain of events happen?

George, meet Ellie Baldwin, pastor’s assistant. Ellie, meet George Davenport, my best friend and mentor.” A slow smile spread over George’s face. He took Ellie’s hand, raising the back of her fingers to his lips. He bent and brushed a kiss on them. “Ellie, it’s an honor. I retired too soon—I had no idea the assistants would be so beautiful down the road.” “Nice to meet you, Mr….” “Pastor Davenport,” Noah corrected. “Retired, but still a preacher.” She smiled. “A pleasure, Your Worship,” she said. Noah laughed at George’s look of surprise. “She doesn’t mean it, George. She’s extremely disrespectful. And unrepentant.” “Then you’ll do penance by sitting through dinner with us,” George said. “I can’t wait to try that little place next door, the one Noah’s been bragging about. Come, Ellie, stay close to me. I want to know how you like working for this reprobate.” “It’s hell, Your Reverence.” *

Live simply”, she said. “Don’t expect so much out of life. You can only be disappointed when your expectations are not met so strive for the best but keep your expectations simple.” I

Claire loved early evening in the hotel the best. Between five and six, when the sun slanted in through the windows, it had a sort of sleepiness combined with a sense of expectation. As the kitchen launched into preparation and the barman filled his ice bucket and laid out bowls of olives, guests retired to their rooms, relaxing on their beds for a quick power nap, or watching the news, or putting on make-up over sun-kissed skin, or making lazy holiday love.

Live in amazement We all have seen God’s goodness in some way. God opened a door, gave you a promotion, protected you on the freeway, and caused you to meet someone who has been a blessing. It was His hand of favor. Don’t let it become ordinary. We should live in amazing at what God has done. When I look at my children I think, “God, you’re amazing.” When I see Victoria, I think, “God, you’ve been good to me.” Driving up to my house, I think, “Lord, thank you for your favor.” Don’t let your miracles become so common that they don’t excite you anymore. I read about this famous surgeon who continued to go to work every day even into his late eighties. He loved medicine. His staff tried to get him to retire and take it easy, but he wouldn’t do it. He had invented a certain procedure that he had performed over ten thousand times. It seemed so routine and so ordinary. He’d done it again and again. The surgeon was asked in an interview if he ever grew tired of performing his procedure and if it ever got old. He said, “No, because I act like every operation is my very first one.” He was saying, “I don’t take for granted what God has allowed me to do. I don’t let it become so ordinary that I lose the awe.” What has God done for you? Do you have healthy children? Do you have people to love? Do you have a place to work? Do you realize your gifts and talents come from God? Do you recognize what seemed like a lucky break was God directing your steps? There are miracles all around us. Don’t take them for granted. Don’t lose the amazement of God’s works. Fan your flames. Stir up your gifts. Sometimes we hold back, thinking we’ll get excited when the next big thing comes along. Only then will we allow that spring back in our step. But I’ve learned if you aren’t happy where you are, you won’t get where you want to be. You need to sow a seed. Maybe nothing exciting is going on; perhaps you’re facing big challenges. You could easily grow discouraged and give up on your dreams. But when you go to work with a smile, give it your best, offer kindness to others, you are sowing a seed. God will take that seed and grow it to bring something exciting into your life. The scripture tells us God will take us from glory to glory and from victory to victory. You may be in between victories right now, but keep your passion and hold on to your enthusiasm. The good news is another victory is on its way, another level of glory and another level of God’s favor.

Paying off a loan is always your best investment. No matter what the interest rate is, when you pay it off you get a guaranteed return, equal to the interest rate. Paying off a credit card with a 15 percent interest earns you a guarantee of, well, 15 percent.

This battle fares like to the morning’s war, When dying clouds contend with growing light; What time the shepherd, blowing of his nails, Can neither call it perfect day, nor night. Nor sways it this way, like a mighty sea Forc’d by the tide to combat with the wind; Nor sways it that way, like the self-same sea Forc’d to retire by fury of the wind: Sometime, the flood prevails, and then, the wind: Now, one the better; then, another, best; Both tugging to be victors, breast to breast, Yet neither conqueror, nor conquerèd: So is the equal poise of this fell war.’ —KING HENRY VI (PART III).

Cosmic law cannot be stayed or changed and man would do well to put himself in harmony with it. If the cosmos is against might, if the sun wars not with the planets but retires at dueful time to give the stars their little sway, what avails our mailed fist? Shall any peace indeed come out of it? Not cruelty but goodwill arms the universal sinews; a humanity at peace will know the endless fruits of victory, sweeter to the taste than any nurtured on the soil of blood. The effective League of Nations will be a natural, nameless league of human hearts. The broad sympathies and discerning insight needed for the healing of earthly woes cannot flow from a mere intellectual consideration of man’s diversities, but from knowledge of man’s sole unity—his kinship with God. Towards realisation of the world’s highest ideal—peace through brotherhood—may yoga, the science of personal contact with the Divine, spread in time to all men in all lands. Though India’s civilisation is ancient above any other, few historians have noted that her feat of national survival is by no means an accident, but a logical incident in the devotion to eternal verities which India has offered through her best men in every generation. By sheer continuity of being, by intransitivity before the ages (can dusty scholars truly tell us how many?) India has given the worthiest answer of any people to the challenge of time.

everyone knows what He’s thinking when He retires to His bed at night: that one of His best gifts—the ability to have faith in an unseen hereafter—has backfired.

federal government to protect it from foreign terrorist attacks. That lesson caused him to create a global intelligence division and a counterterrorism force. The audacity of the idea was breathtaking—a local police force with a worldwide perspective that could unearth terrorist plots wherever conceived and prevent them from reaching New York City. When Kelly proposed hiring a deputy commissioner for counterterrorism and another for a reconceived intelligence unit, Bloomberg approved it. “The world no longer stops at the oceans,” the mayor said at the time. “We have to make sure we get the best information as quickly as we possibly can,” he asserted. It was the same concept—accurate information delivered in real time to people making important, complex decisions—that had been the basis for Bloomberg’s global business. Kelly had little trouble convincing his boss of the need, or the viability of the bold idea, even though at the time he had not yet developed a detailed plan.15 Kelly rapidly changed the status of the NYPD on the Joint Task Force on Terrorism that the FBI had been running in New York City since 1980. He named retired Marine Corps Lieutenant General Frank Libutti the first NYPD deputy commissioner for counterterrorism, and he increased the number of NYPD detectives assigned to the group from twenty to more

It is not necessary for being with GOD to be always at church; we may make an oratory of our heart, wherein to retire from time to time, to converse with Him in meekness, humility, and love. Every one is capable of such familiar conversation with GOD, some more, some less: He knows what we can do.

six approaches to be the most common: ​Rehosting (otherwise known as “lift-and-shift”) ​Replatforming (I sometimes call this “lift-tinker-and-shift”) ​Repurchasing (migrate to a different product/license, often SaaS) ​Refactoring (re-architect or re-imagine leveraging cloud-native capabilities) ​Retire (get rid of) ​Retain (do nothing, usually “revisit later”).

Sooner or later in life you will be released from every calling in the Church. Perhaps my release is not the best alternative, but it will surely come. You will quit or retire from every position in life except two: You brethren will never be released from being a husband and a father. You sisters will never be released from being a wife and a mother. You cannot be exalted without an eternal mate. That is the sum of it.... Remember, you can be exalted without a college degree. You can be exalted without being slender and beautiful. You can be exalted without having a successful career. You can be exalted if you are not rich and famous. So focus the best that you can on those things in life that will lead you back to the presence of God--keeping all things in their proper balance. There are those who may never marry in mortality. But all of God's blessings will ultimately come to those who are righteous and true to the gospel. Oh, my dear young brothers and sisters, these are the days of your probation. This time is a precious window of opportunity to prepare for your future. Do not waste this time away. Get out a paper and pencil and write down the things that matter most to you. List the goals that you hope to accomplish in life and what things are required if they are to become a reality for you. Plan and prepare and then do. (Brigham Young University, 3 March 2002)

I read recently in an Oregon State University study that the day a man retires, his mortality risk goes up, while those who work just a year past retirement eligibility lower their risk of premature death by 11 percent. Perhaps one of the best things that kept Michelangelo alive for so long is he did not have a conception of the word, retirement.

In retirement, Washington devoted himself to animal husbandry, farming, the cultivation of his gardens; did his best to entertain and oblige the many friends and admirers who came to pay their respects or others seeking information or advice.

Giving sacrificially also means giving the best. If we have two blankets and someone needs one of them, sacrificial giving hands over the better of the two. Sadly, much of our “giving” is merely discarding. Donating secondhand goods to church rummage sales

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

The construct of retirement is dubious at best and a farce at worst. Expectations contrary to this are to be dashed.

Now I can retire in peace. Kevin Kelly has written the book I always wanted to write. And he's done to the point of perfection--call it Xceptional execution. Even the all-time best title: Do! Ah, Kevin, what a gift!

You shouldn't retire until your money starts making more money than you made in your best year.

She didn’t worry that she was boring him, as Old Jane would’ve done. It didn’t matter, she reminded herself. He was paid to listen to her and make her feel like the most interesting person in the world, and so, by George, she would be. His lips pressed into a small smile that stayed. A very small smile. Sometimes almost imaginary. Jane wished that it might be bigger, that it might beam at her, but she supposed that wasn’t the Nobley way. Then when she’d decided that his smile was a figment, Mr. Nobley said--or whispered, rather-- “Let’s go look at your paintings.” What a delight, this man. How he kept surprising her, tossing aside his uptight propriety for her sake, murmuring plans for meeting in secret, fibbing to the others that he would withdraw early, then waiting upstairs for her to do the same. With a thrill to look around for watchers and scramble into her chamber, shutting the door behind them. Jane stood with her back to the door, her hands still on the knob, breathing hard and trying to laugh quietly. He was leaning against the wall, smiling. The moment was giddily awkward as she waited to see what he had in mind, if he would suddenly shed Mr. Nobley and become some other man entirely. If he would break any other rules. The wait was agonizing. She realized she didn’t know what she wanted him to do. “I would love to see those paintings,” he said, his voice still proper. “Of course,” she said. Of course he was still Mr. Nobley, of course the man, the actor, was not falling in love with her. And a relief it was, too, as she realized she wasn’t ready to let go of Pembrook Park yet. Somehow she had to be by the day after tomorrow. She presented the first painting, and he held it at arm’s length for some time before saying, “This is you,” though the portrayal was not photo-realistic. “I couldn’t quite get the eyes,” she said. “You got them just right.” He didn’t look away from the painting when he said, “They are beautiful.” Jane didn’t know whether to thank him or clear her throat, so she did neither and instead handed him the second painting or her window and the tree. “Ah,” was all he said for some time. He glanced back and forth between both paintings. “I like this second one best. Beside it, the portrait looks stiff, as though you were too cautious, measuring everything, taking away the spontaneity. The fearlessness of this window scene is a better style for you. I think, Miss Erstwhile, that you do very well when you loosen up and let the color fly.” He was right, and it felt good to admit it. Her next painting would be better. “I should let you retire.” He held the self-portrait a minute longer, gazing at it as she had sometimes felt him look at her--unblinking, curious, even urgent. She peeped through the keyhole to make sure no one was in the corridor before opening the door and letting him slip out. After a moment, she peered again and could see nothing, then Mr. Nobley’s face dropped into view. He was crouching outside her door, looking back. “Miss Erstwhile?” he whispered. “Yes, Mr. Nobley?” “Tomorrow evening, will you reserve for me the first two dances?” “Yes, Mr. Nobley.” She could hear how her voice was full of smile.

I should let you retire.” He held the self-portrait a minute longer, gazing at it as she had sometimes felt him look at her--unblinking, curious, even urgent. She peeped through the keyhole to make sure no one was in the corridor before opening the door and letting him slip out. After a moment, she peered again and could see nothing, then Mr. Nobley’s face dropped into view. He was crouching outside her door, looking back. “Miss Erstwhile?” he whispered. “Yes, Mr. Nobley?” “Tomorrow evening, will you reserve for me the first two dances?” “Yes, Mr. Nobley.” She could hear how her voice was full of smile. “Miss Erstwhile, may I come back in a moment?” She yanked him back in and shut the door. Now he was going to grab her and kiss her and call her Jane, now she’d witness the pent-up passion that explodes behind Regency doors! But…he just stood with his back to the door and looked at her. And smiled in his way, the way that made her stare back and wish she could breathe. “I should not put you in danger of Mrs. Wattlesbrook by staying,” Mr. Nobley said, “but I suddenly had to see you again. I know that seems ridiculous, but I look at you, and I feel sure of something. Things are changing, aren’t they?” “Yes,” she said, and they were, right at that moment. He took her hand and looked at it a moment, then he turned it over. He lifted it to his mouth and kissed her palm. “Tomorrow, then.” And he left. If only he was real! She stood and pressed her palm to her chest and breathed her pulse back into submission and thought she’d rather fancy a swoon. To her self-portrait, Jane whispered, “This is the best therapy ever.

A Guaranteed Way To Find A Great Skin Care Specialist In One Day You should always be as honest and communicative as possible when explaining health conditions to your doctor; in response, they are going to offer effective alternatives during your visit. In order to communicate effectively with your Skincare specialist, you need to interact by asking educated questions. If you're unhappy with your Skincare specialist, follow our recommendations to help find a much better one. When your healthcare professional practitioner announces their retirement, immediately request a referral for a new New York City Dermatologist. Searching for a new New York City Dermatologist is difficult even when you set aside the time to start your search. Do not delay in asking for referrals from your healthcare professional practitioner or his or her personnel members. It's advisable to have a list of several health care providers you could select from. Everyone looks for a Skincare specialist with knowledge, particular skills, and a lot of experience practicing medicine, as well as an appealing manner. Many patients believe that their New York City Dermatologist's age is also an important factor. Older Skincare specialists are regarded as more experienced, although they might be too old school to simply accept new technologies. In contrast, people see younger Skincare specialists as more open-minded and technologically-experienced. In every state, there is a Healthcare professional Board that exists to handle patients' complaints about health care professionals. It is within your legal rights to contact the board if you certainly are a victim of malpractice or poor treatment. The healthcare professional board handles and investigates all cases against a Skincare specialist about malpractice or negligence claims. Legally, healthcare professional records have to be maintained for a certain amount of time because it's vital to your overall health care. You ought to be aware of where your healthcare professional records are being held and how long they'll be there in the event you need to access them. It's suggested that you retain your own information, so make sure to request duplicates of your healthcare professional history, even though you are required to pay a fee in order to receive them. Some New York City Dermatologists will charge a fee for making copies of your records. Truly dedicated healthcare staff make an effort to improve the physical and emotional state of each and every person they meet by treating them with compassion and respect. A qualified healthcare professional professional can provide you with the best treatments to improve your health. Taking the time to listen to concerns and afterwards to find the best possible treatment options are two things that every great New York City Dermatologist does. If your healthcare professional professional does not fit these general rules, you should seek a new one immediately. Bobby Buka, MD For more information, Visit us at : Best Dermatologist in NYC Address : 220 Front St New York, NY 10038 Phone : (212) 385-3700

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

So this was passion, these intense sensations centered below her belly that made her feel boneless as satin and…and hot as… Faith, she couldn’t think what. Her knees were open and her bosom bare, and she just wanted more. More. More heat, more stroking, more… A keening began low in her throat that matched the building intensity between her legs. His fingers inside her fell into a provocative, rushing rhythm that was like…like… “That’s it, my lovely Jane,” Dom whispered against her breast. “Give yourself to the dance.” Ah, yes, like dancing. Only better. Because the music rising inside her came from her pounding heart and beating blood, from Dom’s devilish playing upon her privates, from the crescendo…of her own…quickening…gasps… Someone screamed. Her, apparently, for Dom uttered an oath seconds before he swallowed her cry with his kiss. And just like that, she vaulted out of the dance into heaven. Her body shook and her hand gripped his neck hard enough to leave marks, and it was marvelous. Every inch of her felt alive, from bones to flesh to skin. She wanted to shout, but Dom’s mouth wouldn’t leave hers. His tongue slid silkily in and out, slowing, softening, bringing her down from wherever it was she’d been. After a while, his kiss gentled to a tender sweetness that made her ache in a different way. In her heart. Her stupid, foolish heart. Regretfully, she drew her lips from his, and he let her, though his gaze didn’t leave her face. He drew up her bodice, pulled down her skirts, and lifted her until she was sitting straight up on his lap. His thing felt like a rod of iron beneath her bottom, but he made no move to have her touch it again. Which was good because at the moment, she could only sit there, limp and panting. He briefly kissed her forehead. “That, sweeting, is passion,” he said in a throttled voice. She nodded. It was all she could manage. “And if you wish to leave this room an innocent, you’d best go without delay.” That startled her. But she was grateful for the warning. Because now that their encounter was done, and she was returning to reality, she realized how mad this was. If she still meant to marry Edwin… No, she couldn’t think about that. Not right now, when she had Dom’s taste in her mouth and his scent engulfing her senses. Blushing, she rose from his lap and straightened her clothes, sure that if she came across anyone in the halls, they would guess at once what she’d been doing. Thank heaven the servants had probably already retired to their quarters. She would die if any of them saw her and guessed she’d been playing the wanton. “Dom…” she began, not sure what to say. Thank you? That was lovely? When may we do it again? Not that. If they ever did this again, she wouldn’t rest until he made her his. And she still wasn’t sure she wanted that. “It’s all right, Jane,” he said tightly, as if he could read the conflict inside her. “Get some sleep. We’ll talk tomorrow.” She bobbed her head and fled.

Don’t let anger rule your life. Avoid confrontation. It’s an imperfect world, and people make mistakes, even when they’re trying to do their best.

He and his young colleague, the Austrian mathematician Kurt Gödel, had an understanding: they knew that either one of them might be so deeply absorbed in thought that any disturbance could prove fatal to whatever work was being done, and if there was no immediate response to an interruption—such as a knock—then it was best to retire quietly until another time.

The generation brought up during the Great Depression and the Second World War, still in measure steeped in the much-maligned Protestant work ethic, resolved to work hard and provide a more secure heritage for their children. And, in measure, they did. But the children, for whom the Depression and the War belonged to the relics of history, had nothing to live for but more “progress.” There was no grand vision, no taste of genuine want, and not much of the Protestant work ethic either.83 Soon the war in Vietnam became one of the central “causes” of that generation, but scarcely one that incited hard work, integrity in relationships, frugality, self-denial, and preparation for the next generation. That ’60s generation, the baby boomers, have now gone mainstream—but with a selfishness and consumerism that outstrips anything their parents displayed. There is no larger vision. Contrast a genuine Christian vision that lives life with integrity now because this life is never seen as more than the portal to the life to come, including perfect judgment from our Maker. At its best, such a stance, far from breeding withdrawal from the world, fosters industry, honest work for honest pay, frugality, generosity, provision for one’s children, honesty in personal relationships and in business relationships, the rule of law, a despising of greed. A “Protestant work ethic” of such a character I am happy to live with. Of course, a couple of generations later, when such a Christian vision has eroded, people may equate prosperity with God’s blessing, and with despicable religious cant protest that they are preparing for eternity when in their heart of hearts they are merely preparing for retirement. But a generation or two after that their children will expose their empty fatuousness. In any case, what has been lost is a genuinely Christian vision. This is not to say that such a vision will ensure prosperity. When it is a minority vision it may ensure nothing more than persecution. In any case, other unifying visions may bring about prosperity as well, as we have seen. From the perspective of the Bible, prosperity is never the ultimate goal, so that is scarcely troubling. What is troubling is a measuring stick in which the only scale is measured in terms of financial units.

Buy Ketchup in May and Fly at Noon: A Guide to the Best Time to Buy This, Do That and Go There, by Mark Di Vincenzo.

Sometimes after he’s gone I’ve wondered what it would be like to slip into a different story and actually end up being Mrs Vincent Cunningham. You know, Chapter XXXVIII, ‘Reader, I married him. A quiet wedding we had, he and I, the parson and clerk were alone present.’ (Book 789, Jane Eyre, Penguin Classics, London.) Cunningham is a bad surname, but it’s not dreadful. Not as bad say as Bigg-Wither. Mr Bigg-Wither (not kidding) was Jane Austen’s suitor. He fell in love with the sharp bonnet-pinched look, was very partial to one flattened front hair curl, and tiny black eyes. He pulled in his person and fluffed out his whiskers to propose to her. Now that took courage. You have to grant him that. Proposing to Jane Austen was no walk in the park, was in the same league as Jerry Twomey proposing to Niamh ni Eochadha who had the face and manners of a blackthorn. Still, Bigg-Wither went through with it. He got out his proposal. And Jane Austen accepted. Honestly, she did. She was fiancé-ed. She did her best impression of a Jane Austen smile then retired straight away to bed. Up in the bed she lay in her big nightie and couldn’t sleep, not, surprisingly enough, because of the bonnet, but because of the suffocating way the name Bigg-Wither sat on her. That, and the thought of giving birth to little Bigg-Withers. The following morning when she came down to him negotiating his toast and marmalade in past the whiskers, she said, ‘I cannot be a Bigg-Wither,’ or words to that effect, the engagement was off, and all the world’s Readers sighed with relief. Because a happy Jane Austen would have been useless in the World Literature stakes.

So I saw that there is nothing better for men than that they should be happy in their work, for that is what they are here for, and no one can bring them back to life to enjoy what will be in the future, so let them enjoy it now. —Ecclesiastes 3:22 (TLB) Recently, I learned that a book on friendship that I’d written with my best friend, Melanie, was rejected by a publisher who had been very positive about it for over two years. I was devastated. All those months and years of writing, rewriting, and then reworking it again…only to have it rejected in the end. I was ready to give up my career altogether, retire, and concentrate on biking, swimming, kayaking, and traveling. Then I read something my pen pal Oscar had written about his own retirement twenty-five years earlier. He wrote that in retirement we must have direction and purpose, accept change, remain curious and confident, communicate, and be committed. The longer I looked at his list, the more it spoke to me. Why, those are the very attributes I need to be a good writer, I thought. So I decided to buckle down and rework other unsold manuscripts I’d written over the years. Using Oscar’s plan of direction, purpose, confidence, and commitment helped me to stop telling people that I didn’t have any marketing genes and to keep busy rewriting and looking for different publishers. I may never sell all of my work, but I’m living a life filled with purpose. And I’m a whole lot happier in my semiretirement than if I was just playing every day, all day. Father, give me purpose in life whether it’s volunteer work, pursuing dreams, reworking an old career, or finding a new way to use the talents You’ve given me. —Patricia Lorenz Digging Deeper: Prv 16:9; Rom 12:3–8

Senator Warren questions SEC chair on broker reforms 525 words By Sarah N. Lynch WASHINGTON (Reuters) - Senator Elizabeth Warren said Friday that the Labor Department should press ahead with brokerage industry reforms, and not be deterred by the Securities and Exchange Commission's plans to adopt its own separate rules.    President Barack Obama, with frequent Wall Street critic Warren at his side, last month called on the Labor Department to quickly move forward to tighten brokerage standards on retirement advice, lending new momentum to a long-running effort to implement reforms aimed at reducing conflicts of interest and "hidden fees." But that effort could be complicated by a parallel track of reforms by the SEC, whose Chair Mary Jo White on Tuesday said she supported moving ahead with a similar effort to hold retail brokers to a higher "fiduciary" standard. "I want to see the Department of Labor go forward now," Warren told Reuters in an interview Friday. "There is no reason to wait for the SEC. There is no question that the Department of Labor has the authority to act to ensure that retirement advisers are serving the best interest of their clients." Warren said that while she has no concerns with the SEC moving forward to write its own rules, she fears its involvement may give Wall Street a hook to try to delay or water down a separate ongoing Labor Department effort to craft tough new rules governing how brokers dole out retirement advice. She also raised questions about White's decision to unveil her position at a conference hosted by the Securities Industry and Financial Markets Association (SIFMA), a trade group representing the interests of securities brokerage firms. Not only is the SEC the lead regulator for brokers, but unlike the Labor Department, it is also bound by law to preserve brokers' commission-based compensation in any new fiduciary rule.     "I was surprised that (Chair) White announced the rule at a conference hosted by an industry trade group that spent several years and millions of dollars lobbying members of Congress to block real action to fix the problem," Warren said. Warren, a Massachusetts Democrat who frequently challenges market regulators as too cozy with industry, stopped short of directly criticizing White. The SEC and SIFMA both declined to comment on Warren's comments. SIFMA has strongly opposed the Labor Department's efforts, fearing its rule will contain draconian measures that would cut broker profits, and in turn, force brokers to pull back from offering accounts and advice to American retirees. It has long advocated for the SEC to take the lead on a rule that would create a new uniform standard of care for brokers and advisers. The SEC has said it has been coordinating with the Labor Department on the rule-writing effort, but on Tuesday White also acknowledged that the two can still act independently of one another because they operate under different laws. The industry and reform advocates have been waiting now for years to see whether the SEC would move to tighten standards.     Warren expressed some skepticism on Friday about whether the SEC will ever in fact actually adopt a rule, saying that for years the agency has talked about taking action, but has not delivered. (Reporting by Sarah N. Lynch; Editing by Christian Plumb)

It All Starts at Home The quality of the time that their parents devote to them indicates to children the degree to which they are valued by their parents…. When children know that they are valued, and when they truly feel valued in the deepest parts of themselves, then they feel valuable. —M. SCOTT PECK     It was a source of much aggravation to some fish to see a number of lobsters swimming backward instead of forward. So they called a meeting, and it was decided to start a class for the lobsters’ instruction. This was done, and a number of young lobsters came. (The fish had reasoned that if they started with the young lobsters, as they grew up, they would learn to swim properly.) At first they did very well, but afterward, when they returned home and saw their fathers and mothers swimming in the old way, they soon forgot their lessons. So it is with many children who are well-taught at school but drift backward because of a bad home influence. Psalm 127:1-128:4 gives us some principles for building a family in which children are confident that their parents love them. First, the psalmist addresses the foundation and protection of the home: “Unless the LORD builds the house, its builders labor in vain. Unless the LORD watches over the city, the watchmen stand guard in vain” (127:1). The protective wall surrounding a city was the very first thing to be constructed when a new city was built. The people of the Old Testament knew they needed protection from their enemies, but they were also smart enough to know that walls could be climbed over, knocked down, or broken apart. They realized that their ultimate security was the Lord standing guard over the city. Are you looking for God to help you build your home? Are you trusting the Lord to be the guard over your family? Many forces in today’s society threaten the family. In Southern California we see parents who are burning the candle at both ends to provide all the material things they think will make their families happy. We rise early and retire late, but Psalm 127:2 tells us that these efforts are futile. We are to do our best to provide for and protect our families, but we must trust first and foremost in God to take care of them. When we tend our gardens, we’re rewarded by corn, tomatoes, cucumbers, and beans. Just as the harvest of vegetables is our reward, a God-fearing child is a parent’s reward. After parents tend to their children’s instruction in the ways of God’s wisdom and His Word, they do see the work God is

QUALITY: The Carpenter’s House An elderly carpenter was about to retire. He told his employer-contractor of his plans to leave the house building business and live a more leisurely life with his wife, enjoying his extended family. He would miss the paycheck, but he needed to retire. They could get by. His contractor was sorry to see his good worker go.  He asked the carpenter to build just one more house before retiring. The carpenter accepted, even though he didn’t really want to do so. His heart was not in his work anymore. He put in a half-hearted effort, taking shortcuts and using inferior building materials. The quality of the finished building was much below his usual standards. When the project finished, the contractor came to see the house. He took a look around, then he took out the front-door key and handed it to the contractor. "My friend, this house is yours. This is my gift to you as a thank you for all these years of hard work." The contractor said. The old man was shocked and embarrassed. If only he had known, things would have been done in a different way. He would have taken care of every detail and this house would be the most beautiful house that he’d ever built.  Like the old carpenter, many of us do not give the job our best effort. Then we find ourselves living in the poor quality house we have built.

a Harvard M.B.A. and can help you. You should spend more time fishing, and with the proceeds, buy a bigger boat. In no time, you could buy several boats with the increased haul. Eventually, you would have a fleet of fishing boats.” He continued, “Instead of selling your catch to a middleman, you would sell directly to the consumers, eventually opening your own cannery. You would control the product, processing, and distribution. You would need to leave this small coastal fishing village, of course, and move to Mexico City, then to Los Angeles, and eventually New York City, where you could run your expanding enterprise with proper management.” The Mexican fisherman asked, “But, señor, how long will all this take?” To which the American replied, “15–20 years. 25 tops.” “But what then, señor?” The American laughed and said, “That’s the best part. When the time is right, you would announce an IPO and sell your company stock to the public and become very rich. You would make millions.” “Millions, señor? Then what?” “Then you would retire and move to a small coastal fishing village, where you would sleep late, fish a little, play with your kids, take a siesta with your wife, and stroll to the village in the evenings where you could sip wine and play your guitar with your amigos …

In an effort to prove his physical fitness, Young mounted his best horse and rode it from Ohio to Washington, D.C. His ride received widespread press coverage and the War Department faced even more criticism. The department responded by promoting him to full colonel, but did not change its order that he be forcibly retired. Charles Young would receive a larger pension but would serve no longer in the active military.

Thorpe thinks he is the luckiest person alive. After being “let go” from the best job he’d ever had—as the Chief Financial Officer of the multinational food and beverage company MonaVie—he and his wife ended up living in China for a year where he wrote Your Mark On The World and embarked on the career he’d always wanted and hadn’t dared dream. Now, as an author and blogger for Forbes Devin writes about the things

Rooms For Rent Atlanta That Cater To Your Personal Growth Are you looking for just the right room to rent? Maybe you have the resources you need to find it yourself. After all, this is the age of the search engine, and plenty of information is available to anyone who seriously looks for it. There is a wide variety of choice, so you can concentrate only on those homes that might potentially be for you. There are plenty of advantages to occupying rooms for rent atlanta. You save a lot of money paying only part of the expenses you would normally pay for when you have a house of your own. This is because you only have to pay your share of the rent, water, electricity and heat bills. But there are disadvantages to house share too. Conflicts can arise when you live in house that is not yours, especially if you rent a room in a house where the other residents are from a different background than yours. Having a nice place to stay can even help your physical health, and it surely affects your mental health. You may find a place also that comes with furniture already in it. This would allow you to get by with spending less on not only the furniture but the transportation too. Sometimes you can actually save money finding rooms for rent atlanta in the country. This depends on how often you plan to visit the city. If you have a job you can do from home, or if you are retired and collecting benefits, then there is no real reason for you to pay the extra money to live in the city. Of course there are many choices you need to make while you are searching for a room. Some people just do not enjoy living alone. Renting an entire apartment to oneself can, indeed, be a lonely experience. For those who want an easy opportunity to socialize, then, renting a room is a great option. It is little wonder that so many houses on campuses around the country are full of young students renting rooms - its partly for convenience, and definitely partly for the chance to be among others their own age. Renting a room provides the chance to be among one’s peers. There are many more benefits, but perhaps the biggest and best is the advantage of not being locked into something for life. Room rentals can be very appealing, and they can complement the kind of lifestyle you want and deserve. If you want to find the spirit or soul of a city, move right in with its inhabitants. You may benefit socially by taking a couple of classes at the local college. You might try looking for rooms for rent atlanta where there are games, indoor or outdoor. This is a great way to meet people and get started in your new life. Depending on the weather, you might want a pool or access to a gym or tennis courts. Maybe you are attracted to the kind of community that has stunning architecture and green trees and plants. There may be a certain type of street design that appeals to you.

Public officials were bound to act in the best interests of the republic as a whole, not to bolster their personal fortunes or to aggrandize the power or riches of their cronies. The best public servants did not need to hang on to political power, nor did they aspire to a career in politics. When the people no longer urgently needed their services, men of integrity would step away from the political arena, retiring, like Roman heroes of old, to private life on the farm. Those who sought to glorify themselves through government should be voted out. Or, in extreme cases, they should be overthrown. The

Jean and I had, as I think a great many best friends have, a secret make-believe world of our own. We had only to say, 'Let's be Lilian and Diana,' and, as though it was a magical formula, step straight into a world that was as real to us as the world of school and parents and cornflakes for breakfast. . . . In the summer after my father retired, Jean came to stay with me in North Devon. On the first morning, we retired to the rustic summerhouse. 'Let's be Lilian and Diana . . .' But the magic formula no longer worked. We tried and tried; but we could only _act_ Lilian and Diana; we could not _be_ them any more. I suppose the break had been too long, and we were just too old. We went on trying for days, searching for the way in. But it was like searching for the lost door to a lost country. Finally, without anything actually being said between us, we gave up and turned to other things. But with Lilian and Diana, something of Jean and Rosemary had gone too: left behind the lost door to the lost country. It was one of the saddest experiences of my young life.

Other people were looking at my decision in terms of “retirement.” I guess that’s the right term—retirement—from the NFL, anyway, the only professional career I have ever known. However, I don’t think that God ever wants us to retire from relevance or significance. We faced a twofold question: what is the best setting for me to continue to do God’s work and how did this fit in with what was best for my family?

He leadeth me beside the still waters. He restoreth my soul…. —Psalm 23:2–3 (KJV) I grew up on a farm, doing chores after school and helping with garden or livestock during the summer. I worked hard as a farm wife and mother, and later held a demanding job with a church social service agency. Although I’m now retired, I’m still most comfortable with a never-ending to-do list. That’s why I said no when my husband, Don, asked me to attend a business conference with him. “There wouldn’t be anything for me to do,” I explained. “The resort brochure lists golf as the main draw, and I don’t play.” Don didn’t give up, so I reluctantly packed my suitcase and off we went. The hotel was surrounded by the golf course. There were four swimming pools, but the daytime temperatures were in the low sixties. For the first time in years I had nothing to do. No schedule, no phone calls, no meetings. To my great surprise, I enjoyed it! I read the entire newspaper and worked both crossword puzzles. I ate lunch outdoors amid an improbable but stunning landscape of palm trees and pines, grape hyacinths, honeysuckle, and a dozen types of cacti. Afternoons, I walked the easier trails, sat in the sunshine, and watched ducks paddle around a pond. Since there was nothing productive I could do, I didn’t feel guilty about not doing it. The best part, though, was the lesson I took home: God speaks most clearly when I don’t do; I simply be. Heavenly Father, thank You for teaching me to still my soul. —Penney Schwab Digging Deeper: Ps 46:10

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

Here I am!” Captain East was cantering his mount toward them. He rode beautifully, confidently. Molly’s family spent their summers in the country, and she used to say that the way a man rides a horse could give you a pretty good idea how he would do something else. Jane eyed Mr. Nobley on his mount, noted that he was a smooth, gentle rider. The surprise of thinking this while wearing a bonnet made Jane choke. Her breath snarled in her throat, and she laughed. Mr. Nobley’s eyes widened. “What’s funny? You often have some secret laugh, Miss Erstwhile.” “The way you have some secret displeasure?” “No, not displeasure,” he said, and she realized he was right. Sadness, or heartbreak, or grief that there was nothing to give him hope, perhaps. She was pretty sure now that he was Henry Jenkins, poor sop. Captain East reined in beside Jane. “Miss Heartwright had a headache and went inside. So sorry to neglect you, Miss Erstwhile. You must tell me what I missed.” “I’ve discovered that Miss Erstwhile is an artist,” Mr. Nobley said. “Is that so?” “It’s been years since I picked up a paintbrush.” She glared at Mr. Nobley, and zing, there was his smile again, brief, urgent. When his lips relaxed she wanted it to come back. “That is a shame,” said Captain East. That evening when Jane retired from the drawing room, she found a large package on her side table wrapped in brown paper. She ripped open the paper and out tumbled neat little tubes of oil paints and three paintbrushes. She saw now that an easel waited by the window with two small canvases. She felt very Jane Eyre as she smelled the paints and ticked her palm with the largest brush. Who was her benefactor? It could be Captain East. Maybe he still liked her best, even after his tete-a-tete with Miss Heartwright. It could happen. Even so, she found herself hoping it was Mr. Nobley. Instinct urged her to stomp on the hope. She ignored it. She was firmly in Austenland now, she reminded herself, where hoping was allowed. Did Austen herself feel this way? Was she hopeful? Jane wondered if the unmarried writer had lived inside Austenland with close to Jane’s own sensibility--amused, horrified, but in very real danger of being swept away. Ten days to go.

Stocks are your best bet when it comes to saving for your retirement or your kid's college education.

KIRKUS REVIEWS BOOK REVIEW A retired professor explores the life and writings of Carl Sandburg in this debut book. “During the first half of the twentieth century,” Quinley writes, “Carl Sandburg seemed to be everywhere and do everything.” Though best known for his Pulitzer Prize–winning poetry and multivolume biography of Abraham Lincoln, Sandburg had a wide-ranging career as a public intellectual, which included stints in journalism as a columnist and investigative reporter, in musicology as a leading advocate and performer of folk music, and in the nascent movie industry as a consultant and film critic. He also dabbled in political activism, children’s literature, and novels. Not only does Quinley, a retired college administrator and professor, hail Sandburg as a 20th-century icon (“If my grandpa asks you a question,” his grandchildren joke, “the answer is always Carl Sandburg”), but much of his own life has been adjacent to that of the poet as well. Born in Maywood, Illinois, a “few blocks” from Sandburg’s home 30 years prior, Quinley would eventually move to the Appalachian Mountains. He lived just a few miles from Sandburg’s famed residence in Hendersonville, North Carolina. As a docent for the Carl Sandburg Home National Historic Site, the author was often asked for literature about the luminary’s life. And though much has been written about Sandburg, biographies on the iconoclast are either out of print or are tomes with more than 800 pages. Eschewing comprehensiveness for brevity, Quinley seeks to fill this void in the literary world by offering readers a short introduction to Sandburg’s life and writings. At just 122 pages, this accessible book packs a solid punch, providing readers with not just the highlights of Sandburg’s life, but also a sophisticated analysis of his passions, poetry, and influence on American culture. This engaging approach that’s tailored to a general audience is complemented by an ample assortment of historical photographs. And while its hagiographic tone may annoy some readers, this slim volume is backed by more than 260 endnotes and delivers an extensive bibliography for readers interested in learning more about the 20th century’s “voice of America.” A well-written, concise examination of a literary legend Kirkus Indie, Kirkus Media LLC, 2600 Via Fortuna Suite 130 Austin, TX 78746 indie@kirkusreviews.com

In the workday world, complainers will not go far. When someone asks how you are doing, you had better be wise enough to reply "I can't complain." If you do complain, even justifiably, people will stop asking how you are doing. Complaining will not help you succeed and influence people. You can complain to your physician or psychiatrist because they are paid to hear you complain. But you cannot complain to your boss or your friends, if you have any. You will soon be dismissed from your job and dropped from the social register. Then you will be left alone with your complaints and no one to listen to them gratis. Perhaps then the message will sink into your head: If you do not feel good enough for long enough, you should act as if you do and even think as if you do. That is the way to get yourself to feel good for long enough and stop you from complaining for good, as any self-improvement book can affirm. But should you not improve, someone must assume the blame. And that someone will be you. This is monumentally so if you are a pessimist or a depressive. Should you conclude that life is objectionable or that nothing matters, do not waste our time with your nonsense. We are on our way to the future, and the philosophically disheartening or the emotionally impaired are not going to hinder our progress. If you cannot say something positive, or at least equivocal, keep it to yourself. Pessimists and depressives need not apply for a position in the enterprise of life. You have two choices: Start thinking the way God and your society want you to think or be forsake by all. The decision is yours, since you are a free agent who can choose to rejoin our fabricated reality or stubbornly insist on... what? That we should mollycoddle non-positive thinkers like you or rethink how the whole world transacts it's business? That we should start over from scratch? Or that we should go extinct? Try to be realistic. We did the best we could with the tools we had. After all, we are only human, as we like to say. Our world may not be in accord with nature's way, but it did develop organically according to our consciousness , which delivered us to a lofty prominence over the Creation. The whole thing just took on a life of its own, and nothing is going to stop it anytime soon. There can be no starting over and no going back. No major readjustments are up for a vote. And no melancholic head-case is going to bad-mouth our catastrophe. The universe was created by the Creator, by damn. We live in a country we love and that loves us back, We have families and friends and jobs that make it all worthwhile. We are somebodies, not a bunch of nobodies without names or numbers or retirement plans. None of this is going to be overhauled by a thought criminal who contends that the world is not double-plus-good and never will be. Our lives may not be unflawed, that would deny us a better future to work towards but if this charade is good enough for us, then it should be good enough for you. So if you cannot get your mind right, try walking away. You will find no place to go and no one who will have you. You will find only the same old trap the world over. Lighten up or leave us alone. You will never get us to give up our hopes. You will never get us to wake up from our dreams. We are not contradictory beings whose continuance only worsens our plight as mutants who embody the contorted logic of a paradox. Such opinions will not be accredited by institutions of authority or by the middling run of humanity. To lay it on the line, whatever thoughts may emerge from your deviant brain are invalid, inauthentic, or whatever dismissive term we care to hang on you, who are only "one of those people." So start pretending that you feel good enough for long enough, stop your complaining, and get back in line.

First, figure out when you and your spouse will be laid off or be too sick to work. Second, figure out when you will die. Third, understand that you need to save 7% of every dollar you earn. (Didn’t start doing that when you were 25, and you are 55 now? Just save 30% of every dollar.) Fourth, earn at least 3% above inflation on your investments, every year. (Easy. Just find the best funds for the lowest price and have them optimally allocated.) Fifth, do not withdraw any funds when you lose your job, have a health problem, get divorced, buy a house, or send a kid to college. Sixth, time your retirement account withdrawals so the last cent is spent the day you die.

He had mastered the art of conducting a love affair through all its stages, from infatuation to consummation, wholly within its mind. How could he do that? The indispensable first step was to capture what he called “a living image” of the beloved and make it his own. Upon this image he would then dwell, giving breath to it, until he had reached a point where, still in the realm of the imagination, he could begin to make love to this succubus of his and eventually conduct her into the utmost transports; and this whole passionate history would remain unbeknown to the earthly original. [ On the erotic life ] It all hinged, he replied, on being able to capture, through the closest, most dedicated attention, that unique unconscious gesture, too slight or too fleeting to be noticed by the average eye, by which a woman gave herself away - gave away her erotic essence, that is to say, her soul. The way she turned her wrist to look at her wristwatch, for example, or the way she reached down to pull tight the strap of a sandal. Once that unique movement was caught, the erotic imagination could explore it at leisure until the woman’s every last secret was laid open, not excluding how she moved in the arms of a lover, how she came to her climax. From the giveaway gesture all followed “as if by fate”. [ On the erotic life ] That’s the beauty of thoughts, isn’t it, that distance doesn’t matter, and separation. [ On compassion ] The woman from Lausanne complains above all of loneliness. She has created a protective ritual for herself in which she retires to bed at night with music playing in the background and lies cosily reading a book, immersed in what she tells herself is bliss. Then, as she begins to reflect on her situation, bliss turns to disquiet. Is this truly the best that life affords, she asks herself - lying in bed alone with a book? Is it such a good thing to be a comfortable, prosperous citizen of a model democracy, secure in her home in the heart of Europe? Despite herself, she grows more and more agitated. She rises, dons dressing gown and slippers and takes up her pen. [ On fan mail ]

the best financial advice in the world can't help the person who doesn't ever get started.

The ten rules of ikigai We’ll conclude this journey with ten rules we’ve distilled from the wisdom of the long-living residents of Ogimi: 1. Stay active; don’t retire. Those who give up the things they love doing and do well lose their purpose in life. That’s why it’s so important to keep doing things of value, making progress, bringing beauty or utility to others, helping out, and shaping the world around you, even after your “official” professional activity has ended. 2. Take it slow. Being in a hurry is inversely proportional to quality of life. As the old saying goes, “Walk slowly and you’ll go far.” When we leave urgency behind, life and time take on new meaning. 3. Don’t fill your stomach. Less is more when it comes to eating for long life, too. According to the 80 percent rule, in order to stay healthier longer, we should eat a little less than our hunger demands instead of stuffing ourselves. 4. Surround yourself with good friends. Friends are the best medicine, there for confiding worries over a good chat, sharing stories that brighten your day, getting advice, having fun, dreaming … in other words, living. 5. Get in shape for your next birthday. Water moves; it is at its best when it flows fresh and doesn’t stagnate. The body you move through life in needs a bit of daily maintenance to keep it running for a long time. Plus, exercise releases hormones that make us feel happy. 6. Smile. A cheerful attitude is not only relaxing—it also helps make friends. It’s good to recognize the things that aren’t so great, but we should never forget what a privilege it is to be in the here and now in a world so full of possibilities. 7. Reconnect with nature. Though most people live in cities these days, human beings are made to be part of the natural world. We should return to it often to recharge our batteries. 8. Give thanks. To your ancestors, to nature, which provides you with the air you breathe and the food you eat, to your friends and family, to everything that brightens your days and makes you feel lucky to be alive. Spend a moment every day giving thanks, and you’ll watch your stockpile of happiness grow. 9. Live in the moment. Stop regretting the past and fearing the future. Today is all you have. Make the most of it. Make it worth remembering. 10. Follow your ikigai. There is a passion inside you, a unique talent that gives meaning to your days and drives you to share the best of yourself until the very end. If you don’t know what your ikigai is yet, as Viktor Frankl says, your mission is to discover it.

Security Analysis” by Benjamin Graham, “The Single Best Investment” by Lowell Miller, “The Snowball Effect” by Timothy J McIntosh, “Berkshire Hathaway Letters to Shareholders” by Warren Buffett and Max Olson, “The Ultimate Dividend Playbook: Income, Insight and Independence for Today’s Investor” by Morningstar and Josh Peters.

Setting goals can also be beneficial from an anti-aging perspective. As we get older, we can lose our sense of purpose, especially as our children leave the nest and we reach the age of retirement. Setting goals gives us a continued sense of purpose and pushes us beyond our comfort zone. Goals encourage us to be at our best; keep us challenged; help us develop new skills, thoughts, and opinions; and provide us with a natural way to keep learning.

People who are different are dangerous, they belong to another tribe; they want our lands and our women. We must marry, have children, reproduce the species. Love is only a small thing,, enough for one person, and any suggestion that the heart might be larger than this is considered perverse. When we marry we are authorized to take possession of the other person, body and soul. We must do jobs we detest because we are part of an organized society and if everyone did what they wanted to do, the world would come to a standstill We must buy jewellery, it identifies us with our tribe, just as body piercing identifies those of a different tribe. We must be amusing at all times and sheer at those who express their real feelings, it is dangerous to a tribe to allow its members to show their feelings. We must at all costs avoid saying "No" because people prefer those who always say "Yes", and this allows us to survive in hostile territory. What other people think is more important than what we feel. Never make a fuss, it might attract the attention of an enemy tribe because you could infect others and destroy something that was extremely difficult to organize in the first place. We must always consider the look of our new cave, and if we don't have a clear idea of our own, then we must call in a decorator who will do his best to show others what good taste we have. We must eat three meals a day, even if we're not hungry, and when we fail to fit in the current ideal of beauty we must fast, even if we're starving. We must dress according to the dictates of fashion, make love whether we feel like it or not, kill in the name of our country's frontiers, wish time away so that retirements comes more quickly, elect politicians, complain about the cost of living, change our hairstyle, criticize anyone who is different, go to a religious service on Sunday, Saturday or Friday , depending on our religion, and there beg for forgiveness for our sins and puff ourselves up with the other tribe who worship another god. Our children must follow in our steps, after all we are older and know about the world. We must have a university degree even if we never get a job in the area of knowledge we were forced to study. We must study things we will never use but which someone told us was important to know: algebra, trigonometry, the code of Hammurabi. We must never make our parents sad, even if this means giving up everything that makes us happy. We must play music quietly, talk quietly, weep in private

One biographer has gone so far as to say of Rockefeller, “He was the best employer of his time, instituting hospitalization and retirement pensions.

It is best to take L-arginine just before retiring for the night. Our vascular endothelial

Life is so rarely what we expect, dear sister. I feel like our generation has been told by everyone—our parents, our grandparents, by society—to settle. Settle for whatever you can grab on to, and don’t let go once it’s yours. No, no, no! Our generation has to do better, to choose more, to settle for more—when the world is offering less. Instead of waiting until I’m retired, I choose to live now. To enjoy the world, my youth, my ambitions and my dreams now, now. Because tomorrow is not promised, little (by two minutes) sister, and we have to do the best with what we’ve got. Let it be known! said the preachy twin.

Assets Under Management” Advisors Many people claim that the best advisor is one who is paid as a function of your account size (i.e., your “assets under management” or “AUM”). AUM fees tie the advisor’s interests to yours—or so goes the claim. What they really do is tie the advisor’s interests to your account size, not to your overall financial well-being. For the most part, this is not a problem, but it does present a conflict of interests whenever the most appropriate thing for you to do is liquidate a part of your portfolio (for example, to pay down your mortgage, delay claiming Social Security, or buy a piece of real estate).

If you have been following my advice for years, you are well aware that I think a Roth IRA is the best retirement account you can have.

I don’t have any great ambitions for myself. It’s enough for me if the three of us can lead safe, healthy lives. A peaceful life is best. But such a modest ambition is becoming more and more difficult to achieve. People may try to live quiet, retiring lives, but things can happen. They might get caught up in a crime, or ill from food additives. The way society works or businesses operate can change in a flash, and even as you wish things would stay the same, a giant wave engulfs everything. It’s tragic when people think the wave won’t reach them but get swept away by it anyway. The wave takes everything with it, you hurt all over, and you’re left holding on to nothing.

Loss of education. Too often, people count their house and savings and retirement plans as all they have in their asset column. Because they have no money to invest, they simply don’t invest. This costs them investment experience. Most never become what the investment world calls “a sophisticated investor.” And the best investments are usually first sold to sophisticated investors, who then turn around and sell them to the people playing it safe.

Come again soon,’ Glyn said, as he gave her a final kiss. CHAPTER SIXTEEN THIS MORNING, Jeremy had invited two old friends to come round for a rubber or two of bridge after supper. One of them, Walter Collingwood, had spent most of his working life in their office. He’d been a friend as well as a colleague and Jeremy had eventually made him chief accountant. He’d retired before the war, but when Jeremy had asked him he’d come back to help. Jeremy admired Walter and knew him to be hard-working and trustworthy. The other, Veronica Terry, was almost family. She