Whole Life Insurance Quotes

Of all the means to insure happiness throughout the whole life, by far the most important is the acquisition of friends.

If a person leads an ‘active’ life, as Wiggs had, if a person has goals, ideals, a cause to fight for, then that person is distracted, temporarily, from paying a whole lot of attention to the heavy scimitar that hangs by a mouse hair just about his or her head. We, each of us, have a ticket to ride, and if the trip be interesting (if it’s dull, we have only ourselves to blame), then we relish the landscape (how quickly it whizzes by!), interact with our fellow travelers, pay frequent visits to the washrooms and concession stands, and hardly ever hold up the ticket to the light where we can read its plainly stated destination: The Abyss. Yet, ignore it though we might in our daily toss and tussle, the fact of our impending death is always there, just behind the draperies, or, more accurately, inside our sock, like a burr that we can never quite extract. If one has a religious life, one can rationalize one’s slide into the abyss; if one has a sense of humor (and a sense of humor, properly developed, is superior to any religion so far devised), one can minimalize it through irony and wit. Ah, but the specter is there, night and day, day in and day out, coloring with its chalk of gray almost everything we do. And a lot of what we do is done, subconsciously, indirectly, to avoid the thought of death, or to make ourselves so unexpendable through our accomplishments that death will hesitate to take us, or, when the scimitar finally falls, to insure that we ‘live on’ in the memory of the lucky ones still kicking.

Society never advances. It recedes as fast on one side as it gains on the other. It undergoes continual changes; it is barbarous, it is civilized, it is christianized, it is rich, it is scientific; but this change is not amelioration. For every thing that is given, something is taken. Society acquires new arts, and loses old instincts. What a contrast between the well-clad, reading, writing, thinking American, with a watch, a pencil, and a bill of exchange in his pocket, and the naked New Zealander, whose property is a club, a spear, a mat, and an undivided twentieth of a shed to sleep under! But compare the health of the two men, and you shall see that the white man has lost his aboriginal strength. If the traveller tell us truly, strike the savage with a broad axe, and in a day or two the flesh shall unite and heal as if you struck the blow into soft pitch, and the same blow shall send the white to his grave. The civilized man has built a coach, but has lost the use of his feet. He is supported on crutches, but lacks so much support of muscle. He has a fine Geneva watch, but he fails of the skill to tell the hour by the sun. A Greenwich nautical almanac he has, and so being sure of the information when he wants it, the man in the street does not know a star in the sky. The solstice he does not observe; the equinox he knows as little; and the whole bright calendar of the year is without a dial in his mind. His note-books impair his memory; his libraries overload his wit; the insurance-office increases the number of accidents; and it may be a question whether machinery does not encumber; whether we have not lost by refinement some energy, by a Christianity entrenched in establishments and forms, some vigor of wild virtue. For every Stoic was a Stoic; but in Christendom where is the Christian?

You've never been a whiner, Margo." "I could give lessons.It's time for me to grow up, take responsibility,be sensible." "Talk to life insurance salesman," Josh said dryly. "Apply for a library card.Clip coupons." She looked down her nose. "Spoken like a man born with not only a silver spoon but the whole place setting stuck in his arrogant little mouth." "I happen to have several library cards," he muttered. "Somewhere." "Do you mind?

In what census of living creatures, the dead of mankind are include...how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living Earth; why the Life Insurance Companies pay death forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly hopeless trance, yet lies antique Adam, who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumour of a knocking in a tomb will terrify a whole city. All these things are not without their meanings.

In what census of living creatures, the dead of mankind are included; why it is that a universal proverb says of them, that they tell no tales, though containing more secrets than the Goodwin Sands; how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living earth; why the Life Insurance Companies pay death-forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly, hopeless trance, yet lies antique Adam who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumor of a knocking in a tomb will terrify a whole city. All these things are not without their meanings.

When we set up pleasure as the whole meaning of life we insure that in the final analysis life shall inevitably seem meaningless. Pleasure cannot possibly lend meaning to life. For what is pleasure? A condition. The materialist–and hedonism is generally linked up with materialism–would even say pleasure is nothing but a state of the cells of the brain. And for the sake of inducing such a state, is it worth living, experiencing, suffering, and doing deeds?

Why did you spend your whole life working in an insurance company? You should have been a painter, a musician, well, I don't know. Why didn't you follow your calling?" Don Rigoberto nodded and reflected a moment before answering. "Because I was a coward, son," he finally murmured. "Because I lacked faith in myself. I never believed I had the talent to be a real artist. But maybe that was an excuse for not trying. I decided not to be a creator but only a consumer of art, a dilettante of culture. Because I was a coward is the sad truth. So now you know. Don't follow my example. Whatever your calling is, follow it as far as you can and don't do what I did, don't betray it.

He doesn't stop talking for most of the three-hour flight about his time in "'Nam." Finally the conversation slows, and I ask him what he's done since leaving the army. He sums it up in three words: "I'm in insurance." And that's it. That's all he has to say about the following forty years. I think I may be in a similar situation with the whole marriage bit. Three words: "I got married.

In what census of living creatures, the dead of mankind are included; why it is that a universal proverb says of them, that they tell no tales, though containing more secrets than the Goodwin Sands! how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living earth; why the Life Insurance Companies pay death-forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly, hopeless trance, yet lies antique Adam who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumor of a knocking in a tomb will terrify a whole city. All these things are not without their meanings.

When a volcano lets fly or an earthquake brings down a mountainside, people look upon the event with surprise and report it to each other as news. People, in their whole history, have seen comparatively few such events; and only in the past couple of hundred years have they begun to sense the patterns the events represent. Human time, regarded in the perspective of geologic time, is much too thin to be discerned—the mark invisible at the end of a ruler. If geologic time could somehow be seen in the perspective of human time, on the other hand, sea level would be rising and falling hundreds of feet, ice would come pouring over continents and as quickly go away. Yucatáns and Floridas would be under the sun one moment and underwater the next, oceans would swing open like doors, mountains would grow like clouds and come down like melting sherbet, continents would crawl like amoebae, rivers would arrive and disappear like rainstreaks down an umbrella, lakes would go away like puddles after rain, and volcanoes would light the earth as if it were a garden full of fireflies. At the end of the program, man shows up—his ticket in his hand. Almost at once, he conceives of private property, dimension stone, and life insurance. When a Mt. St. Helens assaults his sensibilities with an ash cloud eleven miles high, he writes a letter to the New York Times recommending that the mountain be bombed.

You cannot think of a better arrangement materially: in terms of healthcare, insurance, cars. You have more comforts and conveniences than any previous generation. But people are suffering immensely. In affluent societies almost every fifth person is on some kind of medication just to maintain mental balance. When you have to take a tablet every day to remain sane, this is not joyfulness. You are on the verge of breaking down because you have made a small aspect of your life the whole of your life.

You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …” I stopped when I heard the small sound she was making. She sat with her head bowed. I went over and put my fingertips under her chin. I tilted her head up and looked down into her streaming eyes. “Please, don’t,” she whispered. “You’re beginning to bring out the worst in me, woman.” “It was none of my business.” “I will not dispute you.” “But … who did this to you?” “I’ll never know you well enough to try to tell you, Lois.” She tried to smile. “I guess it can’t be any plainer than that.” “And I’m not a tragic figure, no matter how hard you try to make me into one. I’m delighted with myself, woman.” “And you wouldn’t say it that way if you were.” “Spare me the cute insights.

A prison is perhaps the easiest place to see the power of bad incentives. And yet in many walks of life, we find otherwise normal men and women caught in the same trap and busily making the world much less good than it could be. Elected officials ignore long-term problems because they must pander to the short-term interests of voters. People working for insurance companies rely on technicalities to deny desperately ill patients the care they need. CEOs and investment bankers run extraordinary risks—both for their businesses and for the economy as a whole—because they reap the rewards of success without suffering the penalties of failure. District attorneys continue to prosecute people they know to be innocent because their careers depend on winning cases. Our government fights a war on drugs that creates the very problem of black-market profits and violence that it pretends to solve. We need systems that are wiser than we are. We need institutions and cultural norms that make us more honest and ethical than we tend to be. The project of building them is distinct from—and, in my view, even more important than—an individual’s refining his personal ethical code.

Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.

THE BRANCH OF ECONOMICS concerned with issues like inflation, recessions, and financial shocks is known as macroeconomics. When the economy is going well, macroeconomists are lauded as heroes; when it turns sour, as it did recently, they catch a lot of the blame. In either case, the headlines go to the macroeconomists. We hope that after reading this book, you’ll realize there is a whole different breed of economist out there—microeconomists—lurking in the shadows. They seek to understand the choices that individuals make, not just in terms of what they buy but also how often they wash their hands and whether they become terrorists.

Waste of what?” “Of you! It seems degrading. Forgive me for saying that. I’ve seen those African movies. The lion makes a kill and then clever animals come in and grab something and run. You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …

Oh! ye whose dead lie buried beneath the green grass; who standing among flowers can say—here, here lies my beloved; ye know not the desolation that broods in bosoms like these. What bitter blanks in those black-bordered marbles which cover no ashes! What despair in those immovable inscriptions! What deadly voids and unbidden infidelities in the lines that seem to gnaw upon all Faith, and refuse resurrections to the beings who have placelessly perished without a grave. As well might those tablets stand in the cave of Elephanta as here. In what census of living creatures, the dead of mankind are included; why it is that a universal proverb says of them, that they tell no tales, though containing more secrets than the Goodwin Sands; how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living earth; why the Life Insurance Companies pay death-forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly, hopeless trance, yet lies antique Adam who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumor of a knocking in a tomb will terrify a whole city. All these things are not without their meanings. But Faith, like a jackal, feeds among the tombs, and even from these dead doubts she gathers her most vital hope.

Oh! ye whose dead lie buried beneath the green grass; who standing among flowers can say—here, here lies my beloved; ye know not the desolation that broods in bosoms like these. What bitter blanks in those black-bordered marbles which cover no ashes! What despair in those immovable inscriptions! What deadly voids and unbidden infidelities in the lines that seem to gnaw upon all Faith, and refuse resurrections to the beings who have placelessly perished without a grave. As well might those tablets stand in the cave of Elephanta as here. In what census of living creatures, the dead of mankind are included; why it is that a universal proverb says of them, that they tell no tales, though containing more secrets than the Goodwin Sands; how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living earth; why the Life Insurance Companies pay death-forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly, hopeless trance, yet lies antique Adam who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumor of a knocking in a tomb will terrify a whole city. All these things are not without their meanings. But Faith, like a jackal, feeds among the tombs, and even from these dead doubts she gathers her most vital hope.

Non-teenagers might find his appeal difficult to understand, as he isn’t especially handsome, or big, or even funny; his features are striking only in their regularity, the overall effect being one of solidity, steadiness, the quiet self-assurance one might associate with, for instance, a long-established and successful bank. But that, in fact, is the whole point. One look at Titch, in his regulation Dubarrys, Ireland jersey and freshly topped-up salon tan, and you can see his whole future stretched out before him: you can tell that he will, when he leaves this place, go on to get a good job (banking/insurance/consultancy), marry a nice girl (probably from the Dublin 18 area), settle down in a decent neighbourhood (see above) and about fifteen years from now produce a Titch Version 2.0 who will think his old man is a bit of a knob sometimes but basically all right. The danger of him ever drastically changing – like some day joining a cult, or having a nervous breakdown, or developing out of nowhere a sudden burning need to express himself and taking up some ruinously expensive and embarrassing-to-all-that-know-him discipline, like modern dance, or interpreting the songs of Joni Mitchell in a voice that, after all these years, is revealed to be disquietingly feminine – is negligible. Titch, in short, is so remarkably unremarkable that he has become a kind of embodiment of his socioeconomic class; a friendship/sexual liaison with Titch has therefore come to be seen as a kind of self-endorsement, a badge of Normality, which at this point in life is a highly prized commodity.

Bonaventure recontextualizes poverty in the whole Christian life. Poverty is carefully presented, not as an end in itself, but as a particularly effective means to insuring two essential Christian virtues: (i) the fundamental humility that every Christian should have before God, and (2) the charity that is the Christian life. In other words, Bonaventure subordinates poverty to the absolutely foundational virtues of humility and charity.

A Shrunken Gospel We make the gospel too small by thinking it only “gets us saved,” that it is a sort of fire insurance, without understanding that it has implications for all of life.

Google was a company that’d made more money off advertisements than any other company in the history of the world, but it had been founded by people who were embarrassed by a business model dependent upon advertising lawn chairs, car insurance, and Viagra. To deflect the embarrassment, the company cloaked itself in an aura of innovation and some old bullshit about the expansion of human knowledge. Google maintained this façade by providing web and mobile services to the masses. The most beloved of these services was the near daily alteration of the company’s logo as it appeared on the company’s website. Almost every day, the Google logo transformed into cutesy, diminutive cartoons of people who’d done something with their lives other than sell advertisements. These cartoons were called Google Doodles. They encompassed the whole spectrum of achievement, with a special focus on scientific achievement and the lives of minorities. In its own way, this was a perfect distillation of politics in the San Francisco Bay Area. Whenever they appeared, the Google Doodles were beloved and celebrated in meaningless little articles on meaningless little websites. They were not met with the obvious emotion, which would be total fucking outrage at a massive multinational corporation co-opting a wide range of human experience into an advertisement for that very same corporation. Here was the perversity of Twenty-First-Century AD life: Native-American women had a statistically better chance of being caricatured in a Google Doodle than they did of being hired into a leadership position at Google. And no one cared. People were delighted! They were being honored! By a corporation!

I know I saw nothing wrong with insurance fraud, just as I saw nothing wrong with drug smuggling, or with anything else I considered a victimless crime. Draft dodging, still well in the future for me but already upending the lives of the older brothers of friends, I vehemently endorsed. The Vietnam War was wrong, rotten to the core. But the military, the government, the police, big business were all congealing in my view into a single oppressive mass—the System, the Man. These were standard-issue youth politics at the time, of course, and I was soon folding school authorities into the enemy force. And my casual, even contemptuous attitude toward the law was mostly a holdover from childhood, when a large part of glory was defiance and what you could get away with. But a more conscious, analytic, loosely Marxist disaffection was also taking root in my politics in my midteens. (And disaggregating, intellectually and emotionally, the mass of institutional power—sorting out how things actually worked, beyond how they felt as a whole—would turn out to be the work of many years.) In the meantime, surfing became an excellent refuge from the conflict—a consuming, physically exhausting, joy-drenched reason to live. It also, in its vaguely outlaw uselessness, its disengagement from productive labor, neatly expressed one’s disaffection. Where was my sense of social responsibility? Not much in evidence. I marched in peace marches. I was still a good student, which really proved nothing except that I liked to read and was hedging my bets.

Every American should be able to expect certain standards, freedoms, benefits, and opportunities form a twenty-first-century health system. If they are willing to participate and be responsible, they will gain: •Improved health; •Longer lives with a much better quality of life; •A more convenient, understandable and personalized experience -- all at a lower cost; •Access to the best course of treatment for their particular illness and their unique characteristics; •A system that fosters and encourages innovation, competition, and better outcomes for patients; •A system that truly values the impact that medical innovation has on patients and their caregivers as well as on society as a whole; •A government that facilitates and accelerates extraordinary opportunities to improve health and health care; •Continuous but unobtrusive 24/7 monitoring of their general health, chronic conditions, and acute health problems; •Access to the most modern medical knowledge and breakthroughs, including the most advanced technologies, therapies and drugs, unimpeded by government-imposed price controls or rationing; •The chance to increase their personal knowledge by learning from a transparent system of information about their diagnosis, costs and alternative solutions; •A continuously improving, competitive, patient-focused medical world in which new therapies, new technologies, and new drugs are introduced as rapidly and safely as possible -- and not a day later; •Greater price and market competition, innovation and smarter health care spending; •A system of financing that includes insurance, government, charities, and self-funding that ensures access to health and health care for every American at the lowest possible cost without allowing financing and short-term budgetary considerations to distort and weaken the delivery of care; •Genuine insurance to facilitate access to dramatically better care, rather than the current system, which is myopically focused on monthly or annual payments; •A health system in which third parties and government bureaucrats do not impede the best course of treatment that doctors and their patients decide on; •A health system in which seniors, veterans, or others under government health programs receive the same quality of care as their children in private markt systems. Big reforms are required to transform today’s expensive, obsolete health bureaucracy into a system that conforms to these principles.

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

Imagine that you have to break someone’s arm. Right or left, doesn’t matter. The point is that you have to break it, because if you don’t…well, that doesn’t matter either. Let’s just say bad things will happen if you don’t. Now, my question goes like this: do you break the arm quickly — snap, whoops, sorry, here let me help you with that improvised splint — or do you drag the whole business out for a good eight minutes, every now and then increasing the pressure in the tiniest of increments, until the pain becomes pink and green and hot and cold and altogether howlingly unbearable? Well exactly. Of course. The right thing to do, the only thing to do, is to get it over with as quickly as possible. Break the arm, ply the brandy, be a good citizen. There can be no other answer. Unless. Unless unless unless. What if you were to hate the person on the other end of the arm? I mean really, really hate them. This was a thing I now had to consider. I say now, meaning then, meaning the moment I am describing; the moment fractionally, oh so bloody fractionally, before my wrist reached the back of my neck and my left humerus broke into at least two, very possibly more, floppily joined-together pieces. The arm we’ve been discussing, you see, is mine. It’s not an abstract, philosopher’s arm. The bone, the skin, the hairs, the small white scar on the point of the elbow, won from the corner of a storage heater at Gateshill Primary School — they all belong to me. And now is the moment when I must consider the possibility that the man standingbehind me, gripping my wrist and driving it up my spine with an almost sexual degree of care, hates me. I mean, really, really hates me. He is taking for ever. His name was Rayner. First name unknown. By me, at any rate, and therefore, presumably, by you too. I suppose someone, somewhere, must have known his first name — must have baptised him with it, called him down to breakfast with it, taught him how to spell it — and someone else must have shouted it across a bar with an offer of a drink, or murmured it during sex, or written it in a box on a life insurance application form. I know they must have done all these things. Just hard to picture, that’s all. Rayner, I estimated, was ten years older than me. Which was fine. Nothing wrong with that. I have good, warm, non-arm-breaking relationships with plenty of people who are ten years older than me. People who are ten years older than me are, by and large, admirable. But Rayner was also three inches taller than me, four stones heavier, and at least eight however-you-measure-violence units more violent. He was uglier than a car park, with a big, hairless skull that dipped and bulged like a balloon full of spanners, and his flattened, fighter’s nose, apparently drawn on his face by someone using their left hand, or perhaps even their left foot, spread out in a meandering, lopsided delta under the rough slab of his forehead.

We do this because a century and a half ago we embraced business as the dominant model for our outer and inner lives. Ours is an ideology of achieved identity; obligatory striving is its method, and failure and success are its outcomes. We reckon our incomes once a year but audit ourselves daily, by standards of long-forgotten origin. Who thinks of the old counting house when we "take stock" of how we "spend" our lives, take "credit" for our gains, or try not to end up "third rate" or "good for nothing"? Someday, we hope, "the bottom line" will show that we "amount to something." By this kind of talk we "balance" our whole lives, not just our accounts. Willy Loman speaks this way. Choosing suicide to launch his sons with insurance money, he asks, "Does it take more guts to stand here the rest of my life ringing up a zero?" He insists that a man is not a piece of fruit to be eaten and the peel discarded, but he does not see that a man is not a cash register.'°

From the pragmatic standpoint of our culture, such an attitude is very bad for business. It might lead to improvidence, lack of foresight, diminished sales of insurance policies, and abandoned savings accounts. Yet this is just the corrective that our culture needs. No one is more fatuously impractical than the "successful" executive who spends his whole life absorbed in frantic paperwork with the objective of retiring in comfort at sixty-five, when it will be all too late.

No financial vehicle is as useful as whole life for emergencies, opportunities, investments, for providing your own financing, permanent protection for your earning capability, or for your peace of mind.

He parted from him on the usual terms outwardly, but he felt obscurely abused by Fulkerson in regard to the Dryfooses, father and son. He did not know but Fulkerson had taken an advantage of him in allowing him to commit himself to their enterprise with out fully and frankly telling him who and what his backer was; he perceived that with young Dryfoos as the publisher and Fulkerson as the general director of the paper there might be very little play for his own ideas of its conduct. Perhaps it was the hurt to his vanity involved by the recognition of this fact that made him forget how little choice he really had in the matter, and how, since he had not accepted the offer to edit the insurance paper, nothing remained for him but to close with Fulkerson. In this moment of suspicion and resentment he accused Fulkerson of hastening his decision in regard to the Grosvenor Green apartment; he now refused to consider it a decision, and said to himself that if he felt disposed to do so he would send Mrs. Green a note reversing it in the morning. But he put it all off till morning with his clothes, when he went to bed, he put off even thinking what his wife would say; he cast Fulkerson and his constructive treachery out of his mind, too, and invited into it some pensive reveries of the past, when he still stood at the parting of the ways, and could take this path or that. In his middle life this was not possible; he must follow the path chosen long, ago, wherever, it led. He was not master of himself, as he once seemed, but the servant of those he loved; if he could do what he liked, perhaps he might renounce this whole New York enterprise, and go off somewhere out of the reach of care; but he could not do what he liked, that was very clear. In the pathos of this conviction he dwelt compassionately upon the thought of poor old Lindau; he resolved to make him accept a handsome sum of money—more than he could spare, something that he would feel the loss of—in payment of the lessons in German and fencing given so long ago. At the usual rate for such lessons, his debt, with interest for twenty-odd years, would run very far into the hundreds. Too far, he perceived, for his wife's joyous approval; he determined not to add the interest; or he believed that Lindau would refuse the interest; he put a fine speech in his mouth, making him do so; and after that he got Lindau employment on 'Every Other Week,' and took care of him till he died.

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When Warren was a little boy fingerprinting nuns and collecting bottle caps, he had no knowledge of what he would someday become. Yet as he rode his bike through Spring Valley, flinging papers day after day, and raced through the halls of The Westchester, pulse pounding, trying to make his deliveries on time, if you had asked him if he wanted to be the richest man on earth—with his whole heart, he would have said, Yes. That passion had led him to study a universe of thousands of stocks. It made him burrow into libraries and basements for records nobody else troubled to get. He sat up nights studying hundreds of thousands of numbers that would glaze anyone else’s eyes. He read every word of several newspapers each morning and sucked down the Wall Street Journal like his morning Pepsi, then Coke. He dropped in on companies, spending hours talking about barrels with the woman who ran an outpost of Greif Bros. Cooperage or auto insurance with Lorimer Davidson. He read magazines like the Progressive Grocer to learn how to stock a meat department. He stuffed the backseat of his car with Moody’s Manuals and ledgers on his honeymoon. He spent months reading old newspapers dating back a century to learn the cycles of business, the history of Wall Street, the history of capitalism, the history of the modern corporation. He followed the world of politics intensely and recognized how it affected business. He analyzed economic statistics until he had a deep understanding of what they signified. Since childhood, he had read every biography he could find of people he admired, looking for the lessons he could learn from their lives. He attached himself to everyone who could help him and coattailed anyone he could find who was smart. He ruled out paying attention to almost anything but business—art, literature, science, travel, architecture—so that he could focus on his passion. He defined a circle of competence to avoid making mistakes. To limit risk he never used any significant amount of debt. He never stopped thinking about business: what made a good business, what made a bad business, how they competed, what made customers loyal to one versus another. He had an unusual way of turning problems around in his head, which gave him insights nobody else had. He developed a network of people who—for the sake of his friendship as well as his sagacity—not only helped him but also stayed out of his way when he wanted them to. In hard times or easy, he never stopped thinking about ways to make money. And all of this energy and intensity became the motor that powered his innate intelligence, temperament, and skills.

Now, this is the way the whole of humanity functions: reaction. You just do something that you know how the other unconscious being is going to react to. And it is very rare that an insurance agent will meet an awakened man, a rare possibility. In the first place the awakened man will not have anything to be insured. Only with the awakened man will Dale Carnegie fail, because he will not react, he will respond. And about response you cannot be predictable. The man of awareness is unpredictable because he never reacts. You cannot figure out beforehand what he is going to do. And each moment he is anew. He may have acted in a certain way in a certain moment. The next moment he may not act in the same way because in the next moment everything has changed. Every moment life is continuously changing; it is a moving river; nothing is static except your unconsciousness and its reactions, which are static. I

Business Owner Planning Business owners have additional and complex Retirement Planning needs. Counting only on the sale of your business requires tremendous luck and success. If business owners consider the business as simply one asset among many, then they should seriously consider additional assets such as: -Executive Bonus Arrangements -Nonqualified deferred compensation plans -Qualified retirement plans -General investment portfolio Motto for Business Owner Planning As I look back on thirteen years of entrepreneurship, I can see that the best and smartest thing to do is to have a plan with the end in mind and you in mind. The time still goes by and time is expensive. That sentence is really a whole book and you should or will understand sooner than later, hopefully. That would have looked like business succession planning. Proper business succession planning requires sound preparation in order to have a smooth and equitable transition. Financial, tax and legal planning are all necessary for a success.