Special Retirement Quotes

But it so happens that everything on this planet is, ultimately, irrational; there is not, and cannot be, any reason for the causal connexion of things, if only because our use of the word "reason" already implies the idea of causal connexion. But, even if we avoid this fundamental difficulty, Hume said that causal connexion was not merely unprovable, but unthinkable; and, in shallower waters still, one cannot assign a true reason why water should flow down hill, or sugar taste sweet in the mouth. Attempts to explain these simple matters always progress into a learned lucidity, and on further analysis retire to a remote stronghold where every thing is irrational and unthinkable. If you cut off a man's head, he dies. Why? Because it kills him. That is really the whole answer. Learned excursions into anatomy and physiology only beg the question; it does not explain why the heart is necessary to life to say that it is a vital organ. Yet that is exactly what is done, the trick that is played on every inquiring mind. Why cannot I see in the dark? Because light is necessary to sight. No confusion of that issue by talk of rods and cones, and optical centres, and foci, and lenses, and vibrations is very different to Edwin Arthwait's treatment of the long-suffering English language. Knowledge is really confined to experience. The laws of Nature are, as Kant said, the laws of our minds, and, as Huxley said, the generalization of observed facts. It is, therefore, no argument against ceremonial magic to say that it is "absurd" to try to raise a thunderstorm by beating a drum; it is not even fair to say that you have tried the experiment, found it would not work, and so perceived it to be "impossible." You might as well claim that, as you had taken paint and canvas, and not produced a Rembrandt, it was evident that the pictures attributed to his painting were really produced in quite a different way. You do not see why the skull of a parricide should help you to raise a dead man, as you do not see why the mercury in a thermometer should rise and fall, though you elaborately pretend that you do; and you could not raise a dead man by the aid of the skull of a parricide, just as you could not play the violin like Kreisler; though in the latter case you might modestly add that you thought you could learn. This is not the special pleading of a professed magician; it boils down to the advice not to judge subjects of which you are perfectly ignorant, and is to be found, stated in clearer and lovelier language, in the Essays of Thomas Henry Huxley.

I think our generation has been called to apathy just as our grandparents were called to defeat fascism and the baby boomers were called to get divorced and fuck around for most of their adult lives before bankrupting the entire goddamn country when they retire. But we have the chance to do something really special here. Imagine a world where people didn’t care enough to go to war over anything. Where some guy gets up in the morning and says, “I know God wants me to kill the infidels and keep gay people from marrying each other, but I just don’t give a shit. I’m going back to bed.” It would be paradise on earth. This is our mission. I think we can make it happen, but I really don’t care either way. And that’s called hope.

After the Guam conference ended, it was reported that Pope Gregory ceased to pray for peace in the world. Two special Masses were sung in the basilica: the Exsurge quare obdormis, Mass against the Heathen, and the Reminiscere, Mass in Time of War; then, the report says His Holiness retired to the mountains to meditate and pray for justice.

Let’s just call it an adjustment of priorities.” Nick saw no reason to beat around the bush about this next part. Pallas was a good guy, and an excellent agent. “There’s more. You and I both know that Davis has been thinking about retiring. I told him today that when that happens, I’d like to be considered for the special agent in charge position. I wanted you to hear it from me first. Thought you might be eying the job, too.” Jack considered this. “I’ve given it some thought,” he admitted. “But politically, I doubt it would go over well if the special agent in charge of Chicago and the U.S. attorney of the same district were involved in a personal relationship.” His expression was one of pride. “And since Cameron got there first, it looks like I’m adjusting my priorities, too.” He paused. “Plus, I hear that people think I’m cranky.” He rubbed his jaw, musing. “Not sure why that is.” “Maybe it’s all the brooding and glowering.” “No one complains when you break out the don’t-fuck-with-me face.

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

Don’t you think it's time to earn some of the money Nikolai pays you?” I asked quietly, careful not to let Beth overhear. “On the contrary, Princess. I don’t think Nikolai pays me enough. Spending all my days in your sweet company qualifies me for special, early retirement.

I have two great duties in each day: firstly, to identify why I woke up and secondly to be convinced of why I must retire!

…I notice that people always make gigantic arrangements for bathing when they are going anywhere near the water, but that they don’t bathe much when they are there. It is the same when you go to the sea-side. I always determine—when thinking over the matter in London—that I’ll get up early every morning, and go and have a dip before breakfast, and I religiously pack up a pair of drawers and a bath towel. I always get red bathing drawers. I rather fancy myself in red drawers. They suit my complexion so. But when I get to the sea I don’t feel somehow that I want that early morning bathe nearly so much as I did when I was in town. On the contrary, I feel more that I want to stop in bed till the last moment, and then come down and have my breakfast. Once or twice virtue has triumphed, and I have got out at six and half-dressed myself, and have taken my drawers and towel, and stumbled dismally off. But I haven’t enjoyed it. They seem to keep a specially cutting east wind, waiting for me, when I go to bathe in the early morning; and they pick out all the three-cornered stones, and put them on the top, and they sharpen up the rocks and cover the points over with a bit of sand so that I can’t see them, and they take the sea and put it two miles out, so that I have to huddle myself up in my arms and hop, shivering, through six inches of water. And when I do get to the sea, it is rough and quite insulting. One huge wave catches me up and chucks me in a sitting posture, as hard as ever it can, down on to a rock which has been put there for me. And, before I’ve said “Oh! Ugh!” and found out what has gone, the wave comes back and carries me out to mid-ocean. I begin to strike out frantically for the shore, and wonder if I shall ever see home and friends again, and wish I’d been kinder to my little sister when a boy (when I was a boy, I mean). Just when I have given up all hope, a wave retires and leaves me sprawling like a star-fish on the sand, and I get up and look back and find that I’ve been swimming for my life in two feet of water. I hop back and dress, and crawl home, where I have to pretend I liked it.

Currently our society tends to churn out individuals that tend to ask the system, “What are you going to give or do for me?” We see this attitude all around us. Self-serving individuals concerned with their personal comfort and welfare beyond the norm. These individuals expect the system to take care of them at all costs. When I run across one of these individuals, it makes me want to puke. This attitude is damn near a form of communism.

When Congress approved the decision to retire the SR-71, the Smithsonian Institution requested that a Blackbird be delivered for eventual display in the Air and Space Museum in Washington and that we set a new transcontinental speed record delivering it from California to Dulles. I had the honor of piloting that final flight on March 6, 1990, for its final 2,300-mile flight between L.A. and D.C. I took off with my backseat navigator, Lt. Col. Joe Vida, at 4:30 in the morning from Palmdale, just outside L.A., and despite the early hour, a huge crowd cheered us off. We hit a tanker over the Pacific then turned and dashed east, accelerating to 2.6 Mach and about sixty thousand feet. Below stretched hundreds of miles of California coastline in the early morning light. In the east and above, the hint of a red sunrise and the bright twinkling lights from Venus, Mars, and Saturn. A moment later we were directly over central California, with the Blackbird’s continual sonic boom serving as an early wake-up call to the millions sleeping below on this special day. I pushed out to Mach 3.3.

I have never bought into the bullshit theory of acceptable losses. We have the technology, the talent, the aggressiveness, and the expertise to bring more of our warriors home than ever before. Our combat, military, and political leaders choose to be mediocre at their jobs. That is as simple as I can put it.

Allan Zacher - Retired physician Retired physician Allan Zacher is a loving father to three adult daughters who know him as a kind, compassionate man with a generous spirit. Since retirement, Allan Zacher has been developing his photography skills and plans to begin selling his work. In his medical career, his specializations were anesthesiology and pain management.

I think you’re asking too much. You know what I have? Toward this Pris android?” “Empathy,” he said. “Something like that. Identification; there goes I. My god; maybe that’s what’ll happen. In the confusion you’ll retire me, not her. And she can go back to Seattle and live my life. I never felt this way before. We are machines, stamped out like bottle caps. It’s an illusion that I—I personally—really exist; I’m just representative of a type.” He could not help being amused; Rachael had become so mawkishly morose. “Ants don’t feel like that,” he said, “and they’re physically identical.” “Ants. They don’t feel period.” “Identical human twins. They don’t—” “But they identify with each other; I understand they have an empathic, special bond.

Today was a special occasion—his retirement from the world of medicine. After all those decades of education, preparation, and practice, it was all coming to an end. It had probably been a tough decision for Devlin to make—the culmination of a career to which he’d devoted his life, and the loss of a large part of his identity. Thankfully, he still had his winemaking to give him purpose. Rivera

The lower strata of the middle class—the small tradespeople, shopkeepers, retired tradesmen generally, the handicraftsmen and peasants—all these sink gradually into the proletariat, partly because their diminutive capital does not suffice for the scale on which Modern Industry is carried on, and is swamped in the competition with the large capitalists, partly because their specialized skill is rendered worthless by the new methods of production. Thus the proletariat is recruited from all classes of the population.

Olympic athletes need to understand that the rules for life are different from the rules for sports,” she wrote. “Yes, striving to accomplish a single overarching goal every day means you have grit, determination and resilience. But the ability to pull yourself together mentally and physically in competition is different from the new challenges that await you. So after you retire, travel, write a poem, try to start your own business, stay out a little too late, devote time to something that doesn’t have a clear end goal.” In the wider world of work, finding a goal with high match quality in the first place is the greater challenge, and persistence for the sake of persistence can get in the way.

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

Some judicial officials began to notice the unusual frequency of deaths among the inmates of institutions and some prosecutors even considered asking the Gestapo to investigate the killings. However, none went so far as Lothar Kreyssig, a judge in Brandenburg who specialized in matters of wardship and adoption. A war veteran and a member of the Confessing Church, Kreyssig became suspicious when psychiatric patients who were wards of the court and therefore fell within his area of responsibility began to be transferred from their institutions and were shortly afterwards reported to have died suddenly. Kreyssig wrote Justice Minister Gortner to protest against what he described as an illegal and immoral programme of mass murder. The Justice Minister's response to this and other, similar, queries from local law officers was to try once more to draft a law giving effective immunity to the murderers, only to have it vetoed by Hitler on the grounds that the publicity would give dangerous ammunition to Allied propaganda. Late in April 1941 the Justice Ministry organized a briefing of senior judges and prosecutors by Brack and Heyde, to try to set their minds at rest. In the meantime, Kreyssig was summoned to an interview with the Ministry's top official, State Secretary Roland Freisler, who informed him that the killings were being carried out on Hitler's orders. Refusing to accept this explanation, Kreyssig wrote to the directors of psychiatric hospitals in his district informing them that transfers to killing centres were illegal, and threatening legal action should they transport any of their patients who came within his jurisdiction. It was his legal duty, he proclaimed, to protect the interests and indeed the lives of his charges. A further interview with Gortner failed to persuade him that he was wrong to do this, and he was compulsorily retired in December 1941.

✓My music had roots which I'd dug up from my own childhood, musical roots buried in the darkest soil. ✓What makes my approach special is that I do different things. I do jazz, blues, country music and so forth. I do them all, like a good utility man ✓What is a soul? It's like electricity - we don't really know what it is, but it's a force that can light a room ✓There are many spokes on the wheel of life. First, we're here to explore new possibilities. ✓I did it to myself. It wasn't society... it wasn't a pusher, it wasn't being blind or being black or being poor. It was all my doing. ✓What makes my approach special is that I do different things. I do jazz, blues, country music and so forth. I do them all, like a good utility man. ✓There's nothing written in the Bible, Old or New testament, that says, 'If you believe in Me, you ain't going to have no troubles.' ✓Music to me is like breathing. I don't get tired of breathing, I don't get tired of music. ✓Just because you can't see anything , doesn't mean you should shut your eyes. ✓Don't go backwards - you've already been there. ✓Affluence separates people. Poverty knits 'em together. You got some sugar and I don't; I borrow some of yours. Next month you might not have any flour; well, I'll give you some of mine. ✓Sometimes my dreams are so deep that I dream that I'm dreaming. ✓I don't think any of us really knows why we're here. But I think we're supposed to believe we're here for a purpose. ✓I'd like to think that when I sing a song, I can let you know all about the heartbreak, struggle, lies and kicks in the ass I've gotten over the years for being black and everything else, without actually saying a word about it. ✓.There's nothing written in the Bible, Old or New testament, that says, 'If you believe in Me, you ain't going to have no troubles.' ✓Other arms reach out to me, Other eyes smile tenderly, Still in peaceful dreams I see, The road leads back to you. ✓I can't help what I sound like. What I sound like is what i am. You know? I cannot be anything other that what I am. ✓Music is about the only thing left that people don't fight over. ✓My version of 'Georgia' became the state song of Georgia. That was a big thing for me, man. It really touched me. Here is a state that used to lynch people like me suddenly declaring my version of a song as its state song. That is touching. ✓Absence makes the heart grow fonder and tears are only rain to make love grow. ✓If you can play the blues, you can do anything. ✓I never considered myself part of rock 'n' roll. My stuff was more adult. It was more difficult for teenagers to relate to; my stuff was filled with more despair than anything you'd associate with rock 'n' roll. Since I couldn't see people dancing, I didn't write jitterbugs or twists. I wrote rhythms that moved me. My style requires pure heart singing. ✓It's like Duke Ellington said, there are only two kinds of music - good and bad. And you can tell when something is good. ✓Rhythm and blues used to be called race music. ... This music was going on for years, but nobody paid any attention to it. ✓Crying's always been a way for me to get things out which are buried deep, deep down. When I sing, I often cry. Crying is feeling, and feeling is being human. ✓I cant retire from music any more than I can retire from my liver. Youd have to remove the music from me surgically—like you were taking out my appendix. ✓The words to country songs are very earthy like the blues. They're not as dressed up and the people are very honest and say, 'Look, I miss you darlin', so I went out and got drunk in this bar.' That's the way you say it. Where in Tin Pan Alley they would say, 'Oh I missed you darling, so I went to this restaurant and I sat down and had a dinn

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

THE DAY HAD GONE BY JUST AS DAYS GO BY. I had killed it in accordance with my primitive and retiring way of life. I had worked for an hour or two and perused the pages of old books. I had had pains for two hours, as elderly people do. I had taken a powder and been very glad when the pains consented to disappear. I had lain in a hot bath and absorbed its kindly warmth. Three times the mail had come with undesired letters and circulars to look through. I had done my breathing exercises, but found it convenient today to omit the thought exercises. I had been for an hour's walk and seen the loveliest feathery cloud patterns penciled against the sky. That was very delightful. So was the reading of the old books. So was the lying in the warm bath. But, taken all in all, it had not been exactly a day of rapture. No, it had not even been a day brightened with happiness and joy. Rather, it had been just one of those days which for a long while now had fallen to my lot; the moderately pleasant, the wholly bearable and tolerable, lukewarm days of a discontented middle-aged man; days without special pains, without special cares, without particular worry, without despair; days when I calmly wonder, objective and fearless, whether it isn't time to follow the example of Adalbert Stifter and have an accident while shaving.

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!

No-knock entries are dangerous for everyone involved—cops, suspects, bystanders. The raids usually occur before dawn; the residents are usually asleep, and then disoriented by the sudden intrusion. There is no warning, and sleepy residents may not always understand that the men breaking down their door are police. At the same time, police procedures allow terribly little room for error. Stan Goff, a retired Special Forces sergeant and SWAT trainer, says that he teaches cops to “Look at hands. If there’s a weapon in their hands during a dynamic entry, it does not matter what that weapon is doing. If there’s a weapon in their hands, that person dies. It’s automatic.” On September 13, 2000, the DEA, FBI, and local police conducted a series of raids throughout Modesto, California. By the end of the day, they had shot and killed an eleven-year-old boy, Alberto Sepulveda, as he was lying facedown on the floor with his arms outstretched, as ordered by police. In January 2011, police in Farmington, Massachusetts similarly shot Eurie Stamp, a sixty-eight-year-old grandfather, as he lay motionless on the floor according to police instructions. In the course of a May 2014 raid in Cornelia, Georgia, a flash-bang grenade landed in the crib of a nineteen-month-old infant. The explosion blew a hole in the face and chest of Bounkham Phonesavanh (“Baby Bou Bou”), covering his body with third degree burns, and exposing part of his ribcage. No guns or drugs were found in the house, and no arrests were made. Sometimes these raids go wrong before they even begin. Walter and Rose Martin, a perfectly innocent couple, both in their eighties, had their home raided by New York Police more than fifty times between 2002 and 2010. It turned out that their address had been entered as the default in the police database.

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

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.

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 fact that the arrow can't disappear is both a comfort and a worry. It makes Nechtr feel special, true. But from special it's not very far to Alone. Although we all, Mark would know if he bothered to ask J.D. Steelritter, who'd done solipsistic-delusion-fear research back in the halcyon days of singles bars, we all have our little solipsistic delusions. All of us. The truth's all there, too, tracked and graphed in black and white—forgotten, now that fear of disease has superseded fear of retiring alone—sitting in dusty aluminum clipboards in a back archive at J.D. Steelritter Advertising, in Collision, where they're headed. We all have our little solipsistic delusions, ghastly intuitions of utter singularity: that we are the only one in the house who ever fills the ice-cube tray, who unloads the clean dishwasher, who occasionally pees in the shower, whose eyelid twitches on first dates; that only we take casualness terribly seriously; that only we fashion supplication into courtesy; that only we hear the whiny pathos in a dog's yawn, the timeless sigh in the opening of the hermetically-sealed jar, the splattered laugh in the frying egg, the minor-D lament in the vacuum's scream; that only we feel the panic at sunset the rookie kindergartner feels at his mother's retreat. That only we love the only-we. That only we need the only-we. Solipsism binds us together, J.D. knows. That we feel lonely in a crowd; stop not to dwell on what's brought the crowd into being. That we are, always, faces in a crowd.

In his book The Retirement Myth, Craig S. Karpel writes: “I visited the headquarters of a major national pension consulting firm and met with a managing director who specializes in designing lush retirement plans for top management. When I asked her what people who don’t have corner offices will be able to expect in the way of pension income, she said with a confident smile, ‘The Silver Bullet’. “What, I asked, is ‘The Silver Bullet?’” “She shrugged and said, ‘If baby boomers discover they don’t have enough money to live on when they’re older, they can always blow their brains out.’” Karpel goes on to explain the difference between the old defined-benefit retirement plans and the new 401(k) plans that are riskier. It is not a pretty picture for most people working today. And that is just for retirement. Add medical fees and long-term nursing-home care and the picture is frightening.

If you want success as a leader in a complex environment read Commanding Excellence and follow it!

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

A garden without flowers! - What an anomally to the European whose mind has been trained to regard a garden as the special home of bright-colored blossoms, the color and perfume of which diffused for his delectation and enjoyment! To him the flowerless gardens of Japan at first appear very sombre and severe, but eventually the mind yields to the subtle power of the aesthetic style of Japanese art, whose influence is about him in so many ways, and in none more than in the fascinating style of Japanese landscape-gardening, which he ultimately grows to admit is decidedly purer in taste and more satisfying to the hiher requirements of the mind, than our own. A Japanese garden is especially designed to retire into - to meditate in - and is a place where perfect oblivion of the outside world is secured.

through any structure without detection by his prey. He was a flawless assassin. It was just before five local time when Steven settled into the plush leather seating of the first-class compartment. The Deutsche Bahn Intercity Express, or ICE, was a high-speed train connecting major cities across Germany with other major European destinations. The trip to Frankfurt would take about four hours, giving him time to spend some rare personal time with his team. Slash was the first to find him. The men shook hands and sat down. Typically, these two longtime friends would chest bump in a hearty bro-mance sort of way, but it would be out of place for Europe. “Hey, buddy,” said Steven. “Switzerland is our new home away from home.” “It appears so, although the terrain isn’t that different from our place in Tennessee,” said Slash. “I see lots of fishin’ and huntin’ opportunities out there.” Slash grew up on his parents’ farm atop the Cumberland Plateau of Tennessee about halfway between Nashville and Knoxville. His parents were retired and spent their days farming while raising ducks, rabbits and some livestock. While other kids spent their free time on PlayStation, Slash grew up in the woods, learning survival skills. During his time with the SEAL Teams, he earned a reputation as an expert in close-quarters combat, especially using a variety of knives—hence the nickname Slash. “Beats the heck out of the desert, doesn’t it?” asked Steven. After his service ended, Slash tried a few different security outfits like Blackwater, protecting the Saudi royal family or standing guard outside some safe house in Oman. “I’m not saying the desert won’t call us back someday, but I’ll take the Swiss cheese and German chocolate over shawarma and falafel every friggin’ day!” “Hell yeah,” said Slash. “When are you comin’ down for some ham and beans, along with some butter-soaked cornbread? My folks really wanna meet you.” “I need to, buddy,” replied Steven. “This summer will be nuts for me. Hey, when does deer hunting season open?” “Late September for crossbow and around Thanksgiving otherwise,” replied Slash. Before the guys could set a date, their partners Paul Hittle and Raymond Bower approached their seats. Hittle, code name Bugs, was a former medic with Army Special Forces who left the Green Berets for a well-paying job with DynCorp. DynCorp was a private

The country was cut up by Nature into small compartments in which the natives lived isolated self-contained lives, the world forgetting and by the world forgot. This was true in a special degree of the belt lying immediately east of the Ghats. The empires of the central and more level portion of the table-land, both in Hindu times and Muslim, had sent forth their conquering hosts westwards, but the flood of invasion had been broken down at the foot of the hills or their numerous spurs, or, where a thin stream of it had poured through the passes, it had retired after a short and unprofitable stay. In their rugged and inhospitable nooks the natives had found safety and peace, while the richer plains had been the scenes of revolution and rapine.

One final possibility should be mentioned from the perspective of military activity on the Utah ranch. Recent allegations have surfaced that the Air Force Office of Special Investigations (AFOSI) engaged in several deception and disinformation operations in the 1970s, the 1980s and (presumably) in the 1990s. Many of these operations involved the simulation of “UFOs,” the manufacture of bogus evidence indicative of “extraterrestrial visitation” designed to conceal classified military technology or simply to lead investigators astray. In 2005, retired AFOSI special agent Richard Doty broke his silence to publicly acknowledge being involved in several of these “alien visitation” operations, the most famous being the disinformation campaign to persuade Albuquerque physicist Paul Bennewitz that an alien base existed in Dulce, New Mexico. The operation is described in detail in Greg Bishop’s book Project Beta: The Story of Paul Bennewitz, National Security, and the Creation of a Modern UFO Myth.

In our family, the presents we gave one another were almost always homemade. I thought that was the definition of a gift: something you made for someone else. We made all our Christmas gifts: piggy banks from old Clorox bottles, hot pads from broken clothespins, and puppets from retired socks. My mother says it was because we had no money for store-bought presents. It didn’t seem like a hardship to me; it was something special.

In Project Beta,29 researcher and author Greg Bishop told this weird story of how Valdez and a businessman named Paul Bennewitz were fed disinformation by an officer with the US Air Force’s Office of Special Investigations named Richard Doty. Doty is a notorious (but oddly likeable) villain in ufology; he has since claimed in retirement that he was under orders to lie to Valdez and Bennewitz to distract them from secret unspecified US Air Force projects that Doty was ordered to misidentify as extra-terrestrial. Intriguing then to read in the Ed Mitchell archive documents that what might have fuelled Valdez’s willingness to believe Doty’s disinformation was the statements of multiple local witnesses, who verified that there was indeed highly unusual UAP activity happening around Dulce. All this was detailed in the confidential document written by Colm Kelleher in 1997.30 It suggests perhaps that the now-discredited conspiracy theory with which Bennewitz and Valdez later went public had its origins in what were in fact well-corroborated witness sightings. It was the US Air Force itself that made the implausible extrapolation of this evidence to include dubious allegations of underground alien bases at Dulce. The debunking of the Valdez/Bennewitz conspiracy theory ensured that any claims of strange UAP activity around Dulce were treated with extreme scepticism by all mainstream media. Of course, this was exactly what any agency wanting to hide something in the mountains of New Mexico likely hoped would happen. If the government was testing some new technology in the hills around Dulce, few people would believe it after the discredited Dulce underground UFO base stories. After reading the NIDS’ files, it became clear Bigelow’s investigators suspected the government was up to something in the Dulce hills.

In that regard, our society is more akin to a highly developed insect colony where specialized members work for the greater whole.

Craig, on the other hand, sees nothing but blue skies in this change of circumstance. He’s been busy setting up a business he calls Wattle It Be, a touring fan club for the Australian cricket side. Ahead of every international tour he buys cut-price packages for people like himself: sweaty single males who like to drink and chant while they get sunburnt in front of sport. The whole concept is horrific, but it’s a roaring success. He’s turning people away. After two or three tours he works out thtat he can recruit a retired Test player to operate as a kind of figurehead and pub coach, offering special comments and war stories, and the not-quite-promise of access to the players. Pg140

For years the Christian education community has used the term “biblical worldview integration” to describe efforts to teach every subject from a biblical perspective. It’s time to retire that phrase. Why? Because if the Bible is God’s special revelation for everyone, everywhere, all the time, then it isn’t something we integrate into whatever else we’re doing. It’s something we immerse ourselves in; any other truth rises out of it. God’s Word isn’t a partial truth that dovetails with other, “not-from-God” truths. God’s Word is true truth. Here’s a new way to phrase the mission of Christian education: biblical worldview immersion.

The short version of it is, he and a squad of special operations troops flew into a village in southern Afghanistan in two Blackhawks, with a gunship flying support. They were targeting a house where two Taliban leadership guys were hiding out with their bodyguards. They landed, hit the house, there was a short fight there, they killed one man, but they’d caught the Taliban guys while they were sleeping. They controlled and handcuffed the guys they were looking for, and had five of their bodyguards on the floor. Then the village came down on them like a ton of bricks. Instead of just being the two guys with their bodyguards, there were like fifty or sixty Taliban in there. There was no way to haul out the guys they’d arrested—there was nothing they could do but run. They got out by the skin of their teeth.” “What about Carver?” Lucas asked. “Carver was the last guy out of the house. Turns out, the Taliban guys they’d handcuffed were executed. So were the bodyguards, and two of them were kids. Eleven or twelve years old. Armed, you know, but . . . kids.” “Yeah.” “An army investigator recommended that Carver be charged with murder, but it was quashed by the command in Afghanistan—deaths in the course of combat,” Kidd said. “The investigator protested, but he was a career guy, a major, and eventually he shut up.” “Would he talk now? I need something that would open Carver up.” “I don’t think so,” Kidd said. “He’s just made lieutenant colonel. He’s never going to get a star, but if he behaves, he could get his birds before he retires.” “Birds?” “Eagles. He could be promoted to colonel. That’s a nice retirement bump for guys who behave. But, there’s another guy. The second-to-the-last guy out. He’s apparently the one who saw the executions and made the initial report. He’s out of the army now. He lives down in Albuquerque.

As Americans were debating bailouts, individual mandates, and Michelle Obama’s finely toned arms, progressives knew they had a golden opportunity to sneak Common Core through the back door. And that’s just what they did. Remember what Rahm Emanuel, Obama’s first chief of staff, said: “You never want a serious crisis to go to waste.” Common Core was that political philosophy in action. The controllists’ plan was almost perfect. They knew they didn’t have to sell Common Core to lawmakers in individual state legislatures, where citizens would find out about it and demand it be stopped. Instead, they could just go to the individual state boards of education—entities that most Americans don’t even know exist—for permission. In Wisconsin, for example, all it took was one individual, the state superintendent of public instruction, to adopt the standards. It was a devious and brilliant plan, but that didn’t make it foolproof. It wasn’t a given that state school board members would agree to Common Core. Some might sense that it was a ploy to slowly nationalize their state’s education system. To counter that possibility, progressives wrote special funding for the Common Core “initiative” into President Obama’s nearly $800 billion stimulus plan via the “Race to the Top” program. This gave the administration the ability to bribe cash-starved states into adopting Common Core by making it a prerequisite for states to compete for seven-figure education grants. In addition, they delayed the testing component of the standards for several years, thereby giving state bureaucrats several years of zero accountability. Many of these bureaucrats no doubt knew they’d be retired or in a different position by the time the real pain came around.

This book is about the real CIA and its allies around the world. It is based upon personal experience generally derived from work in the Pentagon from 1955 to 1964. At retirement, I was Chief of Special Operations (clandestine activities) with the U.S. Joint Chiefs of Staff. These duties involved the military support of the clandestine activities of the CIA and were performed under the provisions of National Security Council Directive No. 5412/2. Since this book was first published in 1973, we have witnessed the unauthorized release of the “Pentagon Papers,” “Watergate” and the resignation of President Nixon, the run-away activities of the “Vietnam War,” the “Arab Oil Embargo” that led to the greatest financial heist in history, and the blatantly unlawful “Iran-Contra” affair. All of these were brought about and master-minded by a renegade “Secret Team” that operated secretly, without Presidential direction; without National Security Council approval—so they say; and, generally, without Congressional knowledge. This trend increases. Its scope expands . . . even today.

You were given three special gifts when you were born: the gifts of life, love, and laughter.

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

In the November 2010 issue of Rolling Stone, Matt Taibbi reported on the special courts established around the country for the express purpose of streamlining and accelerating foreclosure actions. Presided over by retired judges who were unfamiliar with the complexities involved in the mortgage fraud, these courts were not set up “to decide right and wrong, but to clear cases and blast human beings out of their homes with ultimate velocity.” The whole process was designed to transfer the property of ordinary citizens to the nation’s largest banks regardless of entitlement. As Taibbi wrote: The judges, in fact, openly admit that their primary mission is not justice but speed. One Jacksonville [Florida] judge, the Honorable A. C. Soud, even told a local newspaper that his goal is to resolve 25 cases per hour. Given the way the system is rigged, that means His Honor could well be throwing one ass on the street every 2.4 minutes. The following month, the Washington Post reported that similar courts in Virginia were “making it easier for lenders to defend themselves when accused of giving homeowners too little warning of impending foreclosures.” Indeed, “the process moves so quickly in Virginia…that homeowners can receive less than two weeks’ notice that their house is about to be sold on the courthouse steps.” The design of the courts guaranteed that even banks with no legal foreclosure entitlement had an almost insurmountable advantage. In the very short time they were accorded, homeowners seeking to stop foreclosure had to “gather evidence, file a lawsuit and potentially post a bond with the court that could total thousands of dollars.” These arduous requirements, combined with the near-impossible deadlines, meant that many borrowers simply ran out of time when trying to fight invalid foreclosure proceedings. It

George, I probably owe you an apology,” Maureen said. “I don’t think I was as friendly as I could have been when we ran into each other at Jack’s a week or so ago. The fact is, I do remember meeting you at Luke’s wedding. I don’t know why I was acting as if I couldn’t remember you. It isn’t like me to play coy like that.” “I knew that, Mrs. Riordan,” he said. She was stunned. “You knew?” He smiled gently. Kindly. “I saw it in your eyes,” he explained, then shifted his own back and forth, breaking eye contact, demonstrating what he saw. “And the moment I met you I knew you were more straightforward than that. I’m sorry if I made you uncomfortable.” She was a little uncomfortable now, in fact. She felt vulnerable, being found out before she even had a chance to confess. “And I was widowed quite a while ago.” “Yes, I know that, too. Twelve years or so?” he asked. She put her hands on her hips. “And you know this how?” she asked, not trying too hard to keep the indignant tone from her voice. “Well, I asked,” he said with a shrug. “That’s what a man does when he has an interest in a woman. He asks about her.” “Is that so? Well, what else did you find out?” “Nothing embarrassing, I swear. Just that you’ve been widowed quite a while now, all five sons are in the military, you live in Phoenix and, as far as anyone knows, you’re not currently seeing anyone special.” Special? she thought. Not seeing anyone period with absolutely no intention of doing so. “Interesting,” she said. “Well, I don’t know a thing about you.” “Of course you do. I’m a friend of Noah’s. A teacher.” He chuckled. “And obviously I have time on my hands.” “That’s not very much information,” she said. He took a rag out of his back pocket and wiped some of the sawdust and sweat off his brow. “You’re welcome to ask me anything you like. I’m an open book.” “How long have you been a teacher?” she asked, starting with a safe subject. “Twenty years now, and I’m thinking of making some changes. I’m seventy and I always thought retirement would turn me into an old fuddy-duddy, but I’m rethinking that. I’d like to have more time to do the things I enjoy most and, fortunately, I have a small pension and some savings. Besides, I’m tired of keeping a rigid schedule.” “You would retire?” “Again.” He laughed. “I retired the first time at the age of fifty and, after twenty years at the university, I could retire again. There are so many young professors who’d love to see a tenured old goat like me leave an opening for them.” “And before you were a teacher?” “A Presbyterian minister,” he said. “Oh! You’re joking!” she said. “I’m afraid it’s the truth.” “I’m Catholic!” He laughed. “How nice for you.” “You’re making fun of me,” she accused. “I’m making fun of your shock,” he said. “Don’t you have any non-Catholic friends?” “Of course. Many. But—” “Because I have quite a few Catholic friends. And Jewish and Mormon and other faiths. I used to play golf with a priest friend every Thursday afternoon for years. I had to quit. He was a cheat.” “He was not!” “You’re right, he wasn’t. I just threw that in there to see if I could rile you up. No one riles quite as beautifully as a redhead.

After all, the future is quite meaningless and unimportant unless, sooner or later, it is going to become the present. Thus to plan for a future which is not going to become present is hardly more absurd than to plan for a future which, when it comes to me, will find me “absent,” looking fixedly over its shoulder instead of into its face. This kind of living in the fantasy of expectation rather than the reality of the present is the special trouble of those business men who live entirely to make money. So many people of wealth understand much more about making and saving money than about using and enjoying it. They fail to live because they are always preparing to live. Instead of earning a living they are mostly earning an earning, and thus when the time comes to relax they are unable to do so. Many a “successful” man is bored and miserable when he retires, and returns to his work only to prevent a younger man from taking his place.

realize that economic agents all represent special interests that typically interpret the situation according to their own interests or political views.

Tracked Vehicles "Each war proves anew to those who may have had their doubts, the primacy of the main battle tank. Between wars, the tank is always a target for cuts. But in wartime, everyone remembers why we need it, in its most advanced, upgraded versions and in militarily significant numbers." - IDF Brigadier General Yahuda Admon (retired) Since their first appearance in the latter part of World War I, tanks have increasingly dominated military thinking. Armies became progressively more mechanised during World War II, with many infantry being carried in armoured carriers by the end of the war. The armoured personnel carrier (APC) evolved into the infantry fighting vehicle (IFV), which is able to support the infantry as well as simply transport them. Modern IFVs have a similar level of battlefield mobility to the tanks, allowing tanks and infantry to operate together and provide mutual support. Abrams Mission Provide heavy armour superiority on the battlefield. Entered Army Service 1980 Description and Specifications The Abrams tank closes with and destroys enemy forces on the integrated battlefield using mobility, firepower, and shock effect. There are three variants in service: M1A1, M1A2 and M1A2 SEP. The 120mm main gun, combined with the powerful 1,500 HP turbine engine and special armour, make the Abrams tank particularly suitable for attacking or defending against large concentrations of heavy armour forces on a highly lethal battlefield. Features of the M1A1 modernisation program include increased armour protection; suspension improvements; and an improved nuclear, biological and chemical (NBC) protection system that increases survivability in a contaminated environment. The M1A1D modification consists of an M1A1 with integrated computer and a far-target-designation capability. The M1A2 modernisation program includes a commander's independent thermal viewer, an improved commander's weapon station, position navigation equipment, a distributed data and power architecture, an embedded diagnostic system and improved fire control systems.

Chester William Nimitz, Sr. was the last surviving officer to serve as a five star admiral in the Unites States Navy, holding the rank of Fleet Admiral. His career started as a midshipman at the United States Naval Academy where he graduated with honors on January 30, 1905. Becoming a submarine officer, Nimitz was responsible of the construction of the USS Nautilus, the first nuclear powered submarine. During World War II he was appointed the Commander in Chief of the Unites States Pacific Fleet known as CinCPa. His promotions led to his becoming the Chief of Naval Operations, a post he held until 1947. The rank of Fleet Admiral in the U.S. Navy is a lifetime appointment, so he never retired and remained on active duty as the special assistant to the Secretary of the Navy for the Western Sea Frontier. He held this position for the rest of his life, with full pay and benefits. In January 1966 Nimitz suffered a severe stroke, complicated by pneumonia. On February 20, 1966, at 80 years of age, he died at his quarters on Yerba Buena Island in San Francisco Bay. Chester William Nimitz, Sr. was buried with full military honors and lies alongside his wife and some military friends at the Golden Gate National Cemetery in San Bruno, California.

Don’t wait until you feel comfortable. Don’t wait until you have it all figured out. Don’t wait until you retire. Don’t wait until everything is perfect. Don’t wait until you have the approval of others. Our time here is finite. You don’t want to run out of time and be filled with “what if’s” and serious regrets. This is your one precious life, spend time cultivating a friendship with yourself knowing who you are, what you want, and how you can live your life fully. You are worthy. Your life today is THE something special.

Favorable tax treatment isn’t a holy writ. But before saving money over decades in a special account, people need to have faith that future politicians won’t rewrite the rules…. Congress has shown how carelessly it is willing to break its end of the bargain.” —The Wall Street Journal, December 23, 2019

The Importance of an Accountant for Doctors Managing the financial side of a medical practice can be challenging for doctors who already have demanding schedules. This is why having a specialized accountant is essential for doctors. A qualified accountant can help doctors efficiently manage their financial records, optimize tax strategies, and ensure the overall financial health of the practice, allowing physicians to concentrate on patient care. Unique Financial Challenges for Doctors Doctors face unique financial challenges that are specific to the healthcare industry. These include managing income from multiple sources, handling billing systems for patient care, dealing with insurance reimbursements, and navigating complex healthcare regulations. Additionally, doctors often need to invest in high-cost medical equipment and balance personal and business financial planning. Without professional guidance, these financial aspects can become overwhelming. Accountants with expertise in the medical field understand these complexities and can offer valuable support. The Role of an Accountant in a Medical Practice A specialized accountant for doctors provides services that go beyond traditional bookkeeping. They help with financial planning, ensuring that the practice’s income and expenses are balanced effectively. Additionally, they manage payroll, tax filing, and compliance with healthcare regulations. Furthermore, an accountant can provide strategic advice on reducing costs and optimizing cash flow, making the practice more efficient and profitable. Doctors also benefit from tax planning services, ensuring that deductions specific to healthcare professionals are maximized while keeping the practice compliant with tax laws. Benefits of Hiring a Specialized Accountant By hiring an accountant who specializes in working with doctors, medical professionals can streamline their financial operations and reduce the risk of costly errors. This partnership allows doctors to focus on patient care, knowing that the financial side of their practice is being handled efficiently. Moreover, an accountant can provide financial insights that help doctors plan for the future, such as retirement planning or business expansion. Conclusion In conclusion, a specialized accountant is invaluable for doctors who want to ensure the financial success of their practice. With expertise in the unique financial challenges doctors face, accountants provide essential services that allow medical professionals to focus on their patients while maintaining a healthy financial standing.

The Importance of an Accountant for Medical Professionals Medical professionals, including doctors, specialists, and surgeons, often face the challenge of managing both patient care and the financial aspects of their practices. An accountant who specializes in working with medical professionals can alleviate much of this burden. By offering financial expertise tailored to the healthcare industry, accountants help medical professionals maintain the financial health of their practices while ensuring compliance with tax laws and regulations. Unique Financial Challenges in Healthcare Medical professionals face distinct financial challenges that other industries may not encounter. These include managing patient billing, insurance reimbursements, and government payments. Additionally, healthcare professionals often have to handle large expenses for medical equipment and office operations while ensuring they maintain a steady cash flow. With fluctuating income and the need to comply with healthcare regulations, financial management can become complex. A specialized accountant for medical professionals understands these nuances and provides essential support to navigate these challenges effectively. Key Roles of an Accountant for Medical Professionals An accountant plays a critical role in managing the financial side of a medical practice. They assist with bookkeeping, ensuring that all financial records are accurate and up-to-date. Furthermore, they handle tax planning and filing, making sure that healthcare-specific deductions are maximized while ensuring compliance with tax laws. Additionally, accountants offer strategic advice on managing overhead costs, optimizing cash flow, and planning for future financial goals, such as retirement or expanding the practice. Benefits of Hiring a Healthcare-Specific Accountant The benefits of hiring a specialized accountant for medical professionals are numerous. By entrusting financial management to a professional, medical practitioners can focus more on patient care. Specialized accountants understand the unique aspects of healthcare finance, offering tailored solutions that enhance profitability and reduce financial risks. Moreover, they provide peace of mind by ensuring all financial matters are handled efficiently and in compliance with the law. Conclusion In conclusion, medical professionals benefit significantly from hiring an accountant who specializes in healthcare finance. With their expertise, accountants help ensure the smooth operation of the practice while providing strategic financial planning. This allows medical professionals to focus on their primary responsibility—caring for their patients—while maintaining a financially sound practice.

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.

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

A part war drama, part coming-of-age story, part spiritual pilgrimage, Surviving Hitler, Evading Stalin is the story of a young woman who experienced more hardships before graduating high school than most people do in a lifetime. Yet her heartaches are only half the story; the other half is a story of resilience, of leaving her lifelong home in Germany to find a new home, a new life, and a new love in America. Mildred Schindler Janzen has given us a time capsule of World War II and the years following it, filled with pristinely preserved memories of a bygone era. Ken Gire New York Times bestselling author of All the Gallant Men The memoir of Mildred Schindler Janzen will inform and inspire all who read it. This is a work that pays tribute to the power and resiliency of the human spirit to endure, survive, and overcome in pursuit of the freedom and liberty that all too many take for granted. Kirk Ford, Jr., Professor Emeritus, History Mississippi College Author of OSS and the Yugoslav Resistance, 1943-1945 A compelling first-person account of life in Germany during the rise of Adolph Hitler and the Nazi Party. A well written, true story of a young woman overcoming the odds and rising above the tragedies of loss of family and friends during a savage and brutal war, culminating in her triumph in life through sheer determination and will. A life lesson for us all. Col. Frank Janotta (Retired), Mississippi Army National Guard Mildred Schindler Janzen’s touching memoir is a testimony to God’s power to deliver us from the worst evil that men can devise. The vivid details of Janzen’s amazing life have been lovingly mined and beautifully wrought by Sherye Green into a tender story of love, gratitude, and immeasurable hope. Janzen’s rich, post-war life in Kansas serves as a powerful reminder of the great promise of America. Troy Matthew Carnes, Author of Rasputin’s Legacy and Dudgeons and Daggers World War II was horrific, and we must never forget. Surviving Hitler, Evading Stalin is a must-read that sheds light on the pain the Nazis and then the Russians inflicted on the German Jews and the German people. Mildred Schindler Janzen’s story, of how she and her mother and brother survived the war and of the special document that allowed Mildred to come to America, is compelling. Mildred’s faith sustained her during the war's horrors and being away from her family, as her faith still sustains her today. Surviving Hitler, Evading Stalin is a book worth buying for your library, so we never forget. Cynthia Akagi, Ph.D. Northcentral University I wish all in the world could read Mildred’s story about this loving steel magnolia of a woman who survived life under Hitler’s reign. Mildred never gave up, but with each suffering, grew stronger in God’s strength and eternal hope. Beautifully written, this life story will captivate, encourage, and empower its readers to stretch themselves in life, in love, and with God, regardless of their circumstances. I will certainly recommend this book. Renae Brame, Author of Daily Devotions with Our Beloved, God’s Peaceful Waters Flow, and Snow and the Eternal Hope How utterly inspiring to read the life story of a woman whose every season reflects God’s safe protection and unfailing love. When young Mildred Schindler escaped Nazi Germany, only to have her father taken by Russians and her mother and brother hidden behind Eastern Europe’s Iron Curtain, she courageously found a new life in America. Surviving Hitler, Evading Stalin is her personal witness to God’s guidance and provision at every step of that perilous journey. How refreshing to view a full life from beginning to remarkable end – always validating that nothing is impossible with God. Read this book and you will discover the author’s secret to life: “My story is a declaration that choosing joy and thankfulness over bitterness and anger, even amid difficult circumsta

Olympic athletes need to understand that the rules for life are different from the rules for sports,” she wrote. “Yes, striving to accomplish a single overarching goal every day means you have grit, determination and resilience. But the ability to pull yourself together mentally and physically in competition is different from the new challenges that await you. So after you retire, travel, write a poem, try to start your own business, stay out a little too late, devote time to something that doesn’t have a clear end goal.

Fundamentally, special-interest Washington does not understand—or care to understand—collective bargaining: that workers give up wages today so that they can provide for their health care and a secure retirement; those were the legacy costs that Republican senator after Republican senator criticized.

On several occasions, I have met and spoken to retired men that once worked inside government facilities whose job was “tracking and storing” data. In every case, the higher they were, the more apt they were (upon retiring) to have no electronics such as iPhones, laptops, or smart televisions. They communicated the old school way, on a landline. Most were living in the country, far from cities where they grew their own food, drilled wells, raise cattle and chickens. At times, they will use special equipment and do “sweeps” of each room in their house or office to detect electronic listening devices. They are not hyper, but they are knowledgeable.

First they warn everyone to wear a mask. Then we find out unless it's a special kind of mask it's not going to protect you at all." "It's not just a question of beds. There's not enough linen, not enough gloves, gowns, hypodermic needles, disinfectant, meds, you name it. Not enough ambulances, not enough ventilators or other equipment. Hospitals are even running out of food." "It's not like every other bad thing stopped happening to make room for the flu. People are still getting cancer and having heart attacks and strokes and road accidents. The idea that we could handle any kind of surge on top of that--whoever's fantasy that was, it was never going to happen." "The retired workers they were depending on to take over for the workers out sick? Very few of those people ever showed. The volunteer doctors and nurses and the other helping hands--they aren't showing up, either. It's not like 9/11. There aren't any heroes rushing toward the danger. The danger is everywhere, and everyone's running scared." "Let's face it, this is America. Anything that's bad for business, people don't want to hear. When it comes to money or doing the right thing, most people are going to choose money. Close up shop for months till they can make a new vaccine? How many businesses would still be alive after that?" "This disaster proves what some of us have been saying about America all along: everything is broken.

Chastain had watched teammates like Mia Hamm and Julie Foudy end their careers with testimonial matches—the special farewell games that important players earn—but she was never going to get one. Her last game was the final stop of the post-Olympics victory tour in 2004, the same last game as Hamm and Foudy, only Chastain didn’t know it at the time. “It wasn’t on my radar—it wasn’t supposed to happen like that,” Chastain says. “He was the assistant coach. I’m not sure how he became coach of the national team, to be honest, and there was no discussion.” Shannon MacMillan, another veteran, tells a similar story. She, too, was surprised to find herself left off rosters, but in her case, it was because Greg Ryan had reassured her that she was in his plans. As time went on and she still hadn’t gotten a call, at age 31 she gave up hope of ever returning to the team. Her career ended at 176 caps. “I was like, Enough’s enough,” she says. “That’s kind of what forced my hand into retiring. I just got sick and tired of the politics and the B.S.

Thaddeus kept his own council, but at the end of the second week, it was eating at him. Adopting a casual tone, he asked Eve, “Where’s Esmeralda been?” Eve looked up from her reading. “She’s around. She came by yesterday.” Thaddeus stroked his chin and said, “Hmm, I haven’t seen her.” Eve returned her attention to her book but added softly, “She’s growing up, Thaddeus. Perhaps that crush she’s always had on you has finally run its course.” It was the most personal observation she ever made to him, and he caught the significance. Not bothering to deny her words, he said, “One can only hope that it has.” “Can one?” She stood, for once ready to retire before she fell asleep in her chair. “I think to be loved by anyone is special, Thaddeus. You’d do well not to wish it away.” She patted his shoulder. “Good night." —Thaddeus ben Todd and Eve ben Medford

might mean for their murder investigation. She looked across the table at the Violent Crime Unit’s junior detective. ‘Rae, you get an incident board set up, then find out what you can about Tony Quigley and his wife. All we know so far is that he was a prison officer at Portland until he took early retirement two years ago. Maybe someone bore a grudge against him from back then. But he and his wife seem to have been living a lifestyle beyond what I would have expected. Barry, can you contact the prison governor at Portland and fix up an appointment for us tomorrow? Don’t give too much away but let him know we want to find out all we can about Quigley. Let’s get busy.’ Rae Gregson returned to her desk. She’d become used to this kind of research in the time she’d been with the unit. It had become one of her key specialities — seeking out background information on suspects, victims, family members and contacts. And with such an unusual name as Quigley, it shouldn’t be a difficult task. As the afternoon wore on, the bank of information grew. Tony Quigley had been born in the mid-fifties in Kent to a local Gravesend father

High-yield bonds—which Graham calls “second-grade” or “lower-grade” and today are called “junk bonds”—get a brisk thumbs-down from Graham. In his day, it was too costly and cumbersome for an individual investor to diversify away the risks of default.;1 (To learn how bad a default can be, and how carelessly even “sophisticated” professional bond investors can buy into one, see the sidebar on p. 146.) Today, however, more than 130 mutual funds specialize in junk bonds. These funds buy junk by the cartload; they hold dozens of different bonds. That mitigates Graham’s complaints about the difficulty of diversifying. (However, his bias against high-yield preferred stock remains valid, since there remains no cheap and widely available way to spread their risks.) Since 1978, an annual average of 4.4% of the junk-bond market has gone into default—but, even after those defaults, junk bonds have still produced an annualized return of 10.5%, versus 8.6% for 10-year U.S. Treasury bonds.2 Unfortunately, most junk-bond funds charge high fees and do a poor job of preserving the original principal amount of your investment. A junk fund could be appropriate if you are retired, are looking for extra monthly income to supplement your pension, and can tolerate temporary tumbles in value. If you work at a bank or other financial company, a sharp rise in interest rates could limit your raise or even threaten your job security—so a junk fund, which tends to outper-forms most other bond funds when interest rates rise, might make sense as a counterweight in your 401(k). A junk-bond fund, though, is only a minor option—not an obligation—for the intelligent investor.

age of computers and programming, and he couldn’t understand either. Sure, he could send emails, had even mastered Word and Excel, but apart from that, the complexities of the machine left him baffled. There was unemployment, but he had never taken the dole, or he could go overseas, try his luck on an oil rig. Even if that were possible, he didn’t want to go, but these were desperate times, and now, to add confusion, there was a solution. Betty Galton, his former sister-in-law, had in her possession a million pounds in gold. He opened his laptop and switched it on. How does one melt gold? How does one dispose of it? he thought. He entered the search terms, fingering one key at a time, and pressed enter. If a criminal act was committed during the planning stage, then he was guilty as charged. And for once, he did not care. He hummed a tune to himself. It had been some time since he had been contented. For that night, he would forget what would be required and envisage what his life could be like with money in his pocket. Maybe a small place in the country, a dog, possibly a woman. How long had it been since he had enjoyed the closeness of another’s skin? He picked up his phone and made a call. It was a special treat for himself and for once the budget was going to be blown. He knew she’d look after him, the way she looked after so many others. Chapter 11 Clare woke early the next day; her phone was ringing. She leant over and picked it up. ‘Yarwood, I’m at the hospital,’ Tremayne said. She could tell by his voice that something was amiss. ‘I’ll be there in fifteen.’ ‘Thanks, and don’t tell anyone.’ A quick shower, some food for her cat, and Clare was out of her cottage. A murder enquiry was serious; her boss being ill, more so. Parking at the hospital, she soon found her way to outpatients, meeting someone she knew. ‘It’s Tremayne, he’s not well,’ Clare said. ‘And please, not a word to anyone.’ The woman, a friend, understood. Inside, behind some screens, Tremayne was lying flat on his back. His shoes had been removed, and his tie had been loosened. ‘How long have you been here?’ Clare said. She knew Tremayne would not appreciate lashings of sympathy, although he looked dreadful. ‘Since last night. I’d had a few drinks, a few cigarettes, and all of a sudden I’m in the back of an ambulance.’ ‘Does Jean know?’ ‘Not yet. Maybe you can phone her. She went to see her son for a few days, left me on my own.’ ‘Off the leash and into trouble, that’s you, guv.’ ‘Not today, Yarwood. Maybe Moulton’s right about me retiring.’ ‘Having you feeling sorry for yourself isn’t going to help, is it?’ The nurse, standing on the other side of the bed, looked over at Clare disapprovingly. ‘It’s how we work,’ Clare said. ‘That may be the case, but Mr Tremayne has had a bit of a scare. He needs to be here for a few days while we conduct a few checks.’ ‘What’s the problem?’ ‘It’s not for me to say. That’s for the doctor.’ ‘He told me to cut down on the beer, quit smoking, and take it easy.’ ‘Retire, is that it?’ Clare said. ‘They don’t get it, do they?’ Tremayne looked over at the nurse who was monitoring his condition. ‘Sorry. We’ve got a murder to deal with, nothing personal.’ ‘Don’t worry about me. We get our fair share of people, men mainly, who think they’re invincible. You’re not the first, not the last, who thinks they know more

Randy Becker Bellevue is a Retirement Planning Professional at Becker Retirement Group who specialize in insurance products, such as fixed annuities and a variety of investment products that will help you build financial strategies.

There was a reason why Special Forces soldiers hardly ever retired - being retired means losing integration. Losing integration means being alone.

Maria Colavito, a retired special education support facilitator at MSD who dealt with the shooter during his junior year, told Kenny that he was on the right track. She told Kenny that she once asked School Resource Officer Scot Peterson why 18–1958 had not been arrested and Peterson replied, “It’s this PROMISE program stuff. My hands are tied.

Serving officers dare not criticize diversity for fear it will kill their careers. Only after he retired did Army Green Beret Major Andy Messing say that Special Forces units should be homogeneous because this promotes cohesion. He said differences of race or religion add to the tensions of a grinding training regimen and perilous combat missions. A recent book-length study of cohesion in Civil War units found that soldiers were less likely to desert if they were fighting alongside men who resembled them in ethnicity, religion, and occupation, and who came from the same part of the country. Authors Dora Costa and Matthew Kahn concluded that men were most likely to risk their lives for men who were most like themselves. They also found that Union veterans’ health was worse in old age if they had seen a lot of combat but were surprised to discover that this effect disappeared for soldiers who had fought in very homogeneous units. Fighting alongside close comrades immunized them against battle trauma.

Whether the individuals are members of the Eisenhower Generation or the Baby Boomers, The Villages produces a culture of individual and collective youthfulness, but one paradoxically without youth. Youthfulness in these terms is not only produced through communal activities but also through the repair, development, and enhancement of the individual body itself. The programming of the strip hospital complex supports what might be termed as 'cyborgian' ambitions of the residents with respect to a broad range of treatments and products, from the biochemical and the biomechanical, to the bio-cosmetic and the psychochemical. Blechman's documentation of the 'Don Juan' of the villages, Mr. Midnight, resonates with this notion of posthuman subjecthood: 'I have to pick up my Viagra,' he says, and soon returns with a brown package. 'It's not that I need it, mind you. It's an enhancement, like whipped cream and nuts on a sundae. If it's a special night, I might take 100 milligrams.' Other 'enhancements' include the over-the-counter canned oxygen product Big Ox Power Oxygen reportedly used by residents to speed hangover recovery. These forms of experimental subjectivity and collectivity produce unforeseen effects: Doctors said sexually transmitted diseases among senior citizens are running rampant at a popular Central Florida retirement community, according to a Local 6 News report. A gynaecologist at The Villages community near Orlando, Fla., said she treats more cases of herpes and the human papilloma virus in the retirement community than she did in the city of Miami. According to the news report, local doctors attributed this predicament to the ready availability of Viagra within the community, a lack of sexual education, and the non-risk of pregnancy within the age group. It will be suggested here, however, that the broader spatiotemporal construction of The Villages, including golf carts and golf cart infrastructure, downtown public settings, and happy hours, further contribute to the social milieu that promotes enhanced intimacy as well as sexual activity.

Heard you might be coming through,” Watson says. “Heard you been to Californee for a spell.” “Californee” is our own special code word for retirement. “That’s so,” I say. “How’s everything around here?

David Snavely is a highly experienced financial advisor specializing in retirement planning, wealth management, and investment strategies. With a deep understanding of financial markets and risk management, David has helped numerous clients secure their financial future by providing tailored investment solutions that align with their long-term goals.

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David Snavely – Expert Financial Advisor & Retirement Planning Specialist David Snavely is a highly experienced financial advisor specializing in retirement planning, wealth management, and investment strategies. With a deep understanding of financial markets and risk management, David has helped numerous clients secure their financial future by providing tailored investment solutions that align with their long-term goals.

David Snavely – Expert Financial Advisor & Retirement Planning Specialist David Snavely is a highly experienced financial advisor specializing in retirement planning, wealth management, and investment strategies. With a deep understanding of financial markets and risk management, David has helped numerous clients secure their financial future by providing tailored investment solutions that align with their long-term goals.

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