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Tag Archives: family
He steps onto the stoop
In the cool mountain air,
Glances at the night sky,
Are there witches to scare?
Four years old, now not so sure
If he’s the monster tonight
Or if real ghosts and goblins
Will give him a fright.
A parade of costumed kids,
From fairy-tales to scary-tales,
They yell “trick-or-treat”
From behind frightful veils.
Latter at home he spills his bounty
Spread out on the floor,
Mom says, “Have a taste tonight,”
Two small pieces, no more.
She pulls off his costume and
Lays him in bed, turns off the light.
He lies awake and wonders
If monsters still roam the night.
Imagination Playtime With Cameron
We flew by the Sun,
My grandson and I,
On a witch’s broom
Custom made to fly.
We circled Venus and Uranus,
And Jupiter and Mars.
We flew on to the Milky Way,
And ate cookies surrounded by stars.
And when our fuel ran low
We landed on the Moon
Where the conductor said,
“The train will leave soon.”
“All aboard the Polar Express!”
He called, “Next stop planet Earth!”
We took our seats and fell asleep—
Waited to arrive at our berth.
We awoke on the sofa
Covered in Legos and spacemen,
And Cameron’s sweet voice,
“Grandpa, let’s do it again!”
a red bicycle lies crushed in the gutter,
you’re gone and i never said i love you
When Love Dies
A tear forms in your eye,
And then another, and more
Until your eyelid is full and
They fall out and run down
Your cheek in single file
Spilling off your face and
Landing in your tepid tea.
The Gift of an Education
I can’t think of a greater gift from a parent to a child than the gift of an education. By gift what I mean is helping to matriculate a child through college; coming out the other end debt free. Continue reading
Problems with Simple Financial Planning
My previous post demonstrated how a young guy named Rich got out of school, worked 40 years and saved enough to retire with an income equal to his final year salary from actually working. The key assumptions I discussed were that he would need to save 21% of his income for all 40 years and get a modest salary increase every year. What I did not discuss was the probability that he would be able to earn a steady 8% rate-of-return (ROR) on his 401k year in and year out.
I should note that his discussion is for your entertainment and designed to get you thinking about the future. Implementation of any concepts described should be reviewed with a professional financial planner beforehand.
As any student of personal finance, you should readily ascertain, the actual ROR you earn may jump around considerably. I’ve been an active investor for over thirty years and I have had years with double digit gains and years with double digit losses. On balance, I am far ahead for having been in the market of stocks and bonds since the early ‘80s. Continue reading
Saving For Retirement – an example
As a CPA and a former financial advisor, it seems people are always asking me one of two questions: 1) how much should I be saving and 2) what do you think my number is? My usual answer is 15 to 20 percent and more than you think! The people asking the questions are usually looking for free advice and, after I give them the advice they seek, I add the simple disclaimer, “It’s worth every penny you paid.” All kidding aside, the financial discussions on this blog are to entertain and to get you thinking. When it comes time that you actually want to take action you should meet face to face with a qualified advisor, who should take the time to understand your individual situation. Continue reading
Paper Boy? Why?
Think back to when you were a kid in elementary school and there was something you really wanted. You might have asked for it on your birthday, had it on your list to Santa or some other special occasion. It could have been a special trip, an activity or a thing you were just dying to have. For me it was a Schwinn Varsity Sport ten speed bicycle. The year was 1967, I was 12, and had just moved across the country from Washington DC to Spokane Washington the previous summer. I wanted that bike more than anything. The bike was about $75 and I had no money and no real means to earn money. These days, Baby Boom parents would have bought their son the bike just for having made the move with the family. Not so my dad. As a Navy Commander and combat pilot he expected discipline in his troops and his children. No amount of pleading, begging or similar tactics would sway the Commander. His only suggestion was that I find a way to earn some money. Continue reading