I think it was the moment when Johnathan stood next to me with his little plastic cup that I thought: “I had better update my website. I should let people know what’s going on. The general public has a need to know that Johnathan just used his plastic cup to drink toilet water.”

Then there was some yelling and grabbing and washing of the hands and face.

I plan on updating any and all who care on the subject of my kids and family life, but for the time being I want to explain what’s going on with work.

Back in June we were on a family vacation and my belt broke.  I was a little dismayed.  I remember the moment, looking down at the floor, and thinking “I can’t afford a new belt.”

It was actually a big shock to me.

I had been working quite a bit over the past year or so since graduation.  At first, business went very well, but as the recession deepened I found that my meetings were less and less productive.  Income went from “getting by” to drying up entirely for about 4 months.  I remember it was that moment that I knew it was time to look for work.

I am very very sad to be leaving such an amazing company as Northwestern Mutual.  They’ve treated me extremely well over the last couple years.  The bottom line, however, is that I need to have an income stream rather than the dangerous hit-and-miss of commission only work.

I’ve signed on to work with American National Insurance.  This means I’ll be offering the same types of products and services, but with the addition of Home, Auto, Farm, and Business insurance.  American National is a very strong company, which is good; and they pay their claims promptly and without fighting their policyowners, which is the most important thing to me.

Anyway,  It should be good for my family and good for the people who I can work with and serve.

I wrote an article almost 3 years ago about my mission. I’m re-posting it here.

The last couple of weeks I’ve fallen asleep each night in memories of my mission to Taiwan. My thoughts are in Chinese, and I find myself wondering what ever happened to a certain person or what’s new in a certain city. Most of my place marks on Google Earth are in northern Taiwan, making it seem I know Taipei city better than I know the United States.

It’s because I mark the most unusual things there. Here’s the place with the attack dogs. Here’s the place they dedicated Taiwan. Here’s the temple. Here was my house. Here’s where I saw monkeys. Here’s brother so-and-so’s house. Here’s my favorite fried rice shop.

I think it’s because America is always here for me. But when I see that view of the Taiwanese streets from 850 feet or so I worry I’ll forget something. I’ll forget that road between the apartment and the church in Banqiao that I took every single morning for 3 months. The one that led right through the morning market. I think I’m afraid I’ll forget even the incidentals of the most valued experience of my life so far.

The mission is a chance to see what you are truly capable of. To let you find out what happens when you focus all of your energy all of the time on one thing. You never love as deeply and as powerfully as you do while on your mission. If you do it right, eventually you can’t really help it. You see somebody and you feel love for him or her.

My mission is full of memories and experiences that are so intense in emotion – particularly love – that I can’t adequately express it to anybody. Even those who have gone on missions can’t really explain it to others who have gone. All we can do is smile at each other and say “Yeah.” It’s like saying “I was there. I know.” Some compare it to being brothers in a war having returned from fighting the greatest battle.

And it makes me sad, too. Because what I would like to do more than anything else is pull the feelings from my chest and place them into the hearts of those who haven’t experienced such depth of experience. But perhaps part of what makes the emotions so strong is the fight to earn them.

From beginning to end, the mission was greater than the part I played in it. I was changed far more than I changed anything or anybody. From day one there was never any doubt that there is a God, and that this is the work He wanted me to do. And looking back from the end of the mission it was clear in the same way that the sky is blue that this God is good, that He is in control, and that He loves me, and that He loves every person on the planet. That He knows our names and our thoughts. That He moves with power on this earth even today.

The words represent feelings and knowledge that are so much more profound than the words are capable of describing. I use sentences like that and it just sounds religious – but it’s so much more than what we think of as religion. I imagine climbing a mountain only to find you’ve conquered a foothill.

I can’t and don’t feel like describing the events of my mission right now, but I feel it important to mark now how I feel almost 5 months after being back. To those who read this and are members of my same church – serve, if you are able, and be prepared to learn far more than you ever imagined you didn’t know. For those who are not members of my same church I say: seek miracles and be prepared to accept them in places you didn’t expect to.

I know that God lives and is with us.

-Greg

In my work I’ve had many opportunities to meet with college age families and individuals. I’ve also met with many young professionals. In these meetings there is a certain “type” that appears about once every ten or so meetings. This is the self-help / retire early / get rick quick person. These are the people who not only watch the seminars from the rich gurus, but decide they want that lifestyle for themselves.

I have no problem with the changing attitudes about retirement. Retirement is no longer the age where your body can’t work any more so you sit in the lay-z boy and watch Jeopardy all day. Now it’s the time of your life where if you don’t want to work, you don’t have to. That’s great! There’s nothing better than working for yourself rather than for money.

The problem is the increasing attitude of “and I want it NOW!” That pervasive sense of entitlement that seems to have completely absorbed the younger generations.

The young people (and occasionally people in their thirties and forties!) who I’m talking about usually have this to say for themselves: “I see myself as retired in 5 years at about one or two hundred thousand dollars per year from residual income.”

I always find it remarkable that they all use 5 years as their time horizon, and they all use the phrase “residual income.”

Almost none of them have a plan to achieve it beyond “I want to own several businesses and real estate.”

Then there’s the growing ranks of the four hour workweek club. These are they who want to do the minimum possible to gain the minimum income possible to live the retirement lifestyle they envision for themselves immediately.

What both of these groups fail to acknowledge is that they endlessly covet what they don’t have, and fail to recognize the value of working hard for something better. They seek to follow the easiest path to misery in luxury.

What I don’t want to say is that retiring at 30 is bad. What I don’t mean is that wealth is somehow a negative thing. What I am saying is that the younger generation, myself included, sees work as something to avoid. Somehow an honest day’s work has become equated with slavery. We’ve been given all we need for the first 20 years of our lives and then tossed to the “real world” and expected to totally embrace self sufficiency. It’s no wonder that so many move back home with their parents, even in their 30s.

The fallacy of the four hour workweek is that it can’t bring satisfaction – only distraction.

We need to learn to work and recognize the happiness we can get out of simply doing it, no matter what type of work it is. A person who works and produces is the person most likely to find happiness and grow as an individual. The person waiting endlessly for their entitled good life is the endlessly miserable one, though living in comfortable ease.

See what Mike Rowe has to say about it here: http://www.ted.com/talks/mike_rowe_celebrates_dirty_jobs.html

The Great Wave

Are you sick of this yet? Even if you’re unaffected by the recession of late, it’s likely you’re sick of the news, commentary, posturing, and problems. I know I am.

Yet I can’t seem to let it go. As a culture, I think, we all tend to look for some as-of-yet undefined, great, “The End,” somewhere ahead – a cataclysmic final page to the story of the individual, nation, or world. It’s built into our upbringing as Americans. And, just as I did during the first few days after September 11, 2001; I find myself wondering, “Is this it? This time?” And though I find myself feeling more worried over time instead of less, I still feel confident in answering, “Nope.”

Similarly, I’ve been asking myself over the past few months “Is it over yet? Is this it? Is now the time when things start turning around?” Agian, I feel some level of confidence in answering, “Nope.” What I want to do is tell you why I think that way.

The problems we face today, I feel, are caused by two problems with the great American economy. They are specifically that we embrace debt, and that certain parts of the American Lifestyle grow in expense faster than the average earnings of the average American. This second problem simply feeds the first, as we buy on credit so we can have the things we can’t truly afford. We do this again and again for things as basic as insurance coverage to cars, homes, groceries, and any number of other things. Eventually our flow of income is completely diverted to other sources and bills start going unpaid. The once profitable flow of cash and income turns back upon itself in a crushing wave of debt.

Because Debt and payment plans in general are such a basic part of the American Lifestyle it’s become an investable and insurable asset in the economy. But when this debt wave began to crest and break, those companies who invested heavily in debt instruments found themselves suddenly worthless. (An example, I recently read that insurance giant The Hartford has a stock value now less than the actual value of it’s vast cash reserves. Wild.)

It’s been a rough ride so far. I’ve worked with several young families who one week had plans to begin their retirement investment program, or insurance program; and the next week they call to say they’ve lost their jobs and will be moving home with mom and dad. (Mom and dad are usually in pretty dire situations, too.)

The big problem is that there are certain parts of the average American’s budget which grow bigger and bigger each year or each generation. These monsters eventually consume the rest of the budget and force the individual into insolvency. These are especially: The cost of Health Care, which inflates at about 7% per year (or doubles in cost every 10 years if you want to think of it that way) and which increases as a person ages; the cost of housing, which, on average, inflates at about 5% per year; and the cost of an advanced education, which costs, on average, 7% more each year.

Most people only gain about 3% per year on their income. Do you see the problem here?

With the help of the recent government plans and bailouts, etc, there could be an end to the current financial crisis very soon. Things could get better. But it could get much much worse. Here’s how:

The U.S. Government is just like an individual in some ways. The Government also has a budget, has ongoing financial obligations, and carries a huge amount of debt. In recent times, that ebb and flow of income and payments has remained essentially in balance – though there are always those who disagree.

However, by the end of the next decade, a massive swell is moving down the pipe. For most of us, we’re hoping that if we ignore it it will go away. It wont. It’s the cost of social security, medicaid and medicare. In about ten more years the monster of health care doubling yet again plus the huge amount of retirees combine to completely devour the federal budget as it is today.

There are only two outcomes: the federal aid programs continue, thus necessitating a vast tax increase; or the federal aid programs are diminished, thus requiring each individual to care for his or her own families’ needs.

It is most likely, in my opinion, that the government will write itself a credit line, trying to swallow up this problem in a long stream of gulps rather than all at once. More credit means a much larger debt payment in the budget. More payments means more taxes and cut programs.

Now imagine for yourself – your health care costs have more than doubled as you are now 10 years more unhealthy and health care costs have inflated at 7%. Your children’s education now costs twice as much as it does today. And your tax bill has just increased.

Add to those the car payment, house payment, utilities, and other living expenses. Will you have enough to even get by?

Now imagine if this begins to happen today. More debts go unpaid. More banks become insolvent and start to call in the debts they’re owed by the average cardholder. The cycle continues and industry after industry fails.

In reality, these things have been going on bit by bit for a long time and will continue long after we’re through the current crisis. It is unlikely that the ‘08-’09 recession will suddenly be driven into a second great depression. If things get worse it will probably be gradual and will take place after the recovery from our current recession. Putting off problems is our national pastime today just as it has been for the past century or so.

(It’s no wonder, then, that the youth of today have to take on more and more debt to get through college. Nor, then, should it be a surprise that people are choosing to live with their parents for decades longer than they did a generation ago, or that the last thing a person does before leaving this world is to devour all their estate on paying for the high cost of long term care and other medical needs. But I get off subject.)

The answer to this impending crisis, both individually and in a worldwide sense, is to avoid debt. If, as a society, we weren’t clamoring for bigger and better homes than our parents and their parents had, and if banks hadn’t been willing to give it to us, treating debt like an unfailing and perfect resource, it would not have come to this.

Avoid debt as much as you can. Save up for yourself. Only those who aren’t already stretched to their budgetary limits will survive if this next wave comes crashing down.

It’s taken me a while to write anything.  The thrice cursed ease of facebook and twitter has lured me away from writing anything substantial in months.  I apologize to the 3 people out there who occasionally check this site for updates.

Wha?

The big news is that our second son, Benjamin, has arrived.  He’s healthy and now 3 weeks old.  Already he seems large in stature!  (every morning we feed him four dozen eggs to help him get large, you know.)

It’s an interesting time in life.  I expected to be more successful than I am, more prepared, more grown-up, perhaps?  I’m not sure.  Somewhere along the line we became the grown ups in the family without noticing it.

Life is good.  I intend to write more in the future, but when, I don’t know.

-Greg

We brought mini-nilla wafers to church as snacks for Johnathan.  During the last part of the meeting he got cranky and I thought “Ah.  This boy needs food things.”  I delivered 2 cookies to him.  He sat on the floor.

He was wearing sandals.   Johnathan decided that mini-nilla wafers go best under toes.  I tried to put one in his mouth, but he told me that I was completely wrong with that idea and proceeded to jam both cookies into his right shoe, under his toes.  Then he ran away.

Later I got the soggy stinky cookies out.  He was sad.  I guess he was just saving them for later.

The electronics curse struck twice today.

First:  I arrived home to my wife saying “Your computer is broken.”  I walked into the back room and turned on the laptop which responded with a terrifying grinding noise that sounded something like “Oh crap! My power fan is totally broken! This sucks!”  Vaguely. New power source needed.

We later went to the movie theater to watch golden compass. Exactly one hour into it the lamp in the projector burned out.  Luckily new passes were forthcoming and we can go back in a few days – whenever we can next get a babysitter…  hmm.

The upside is that classes are done for the semester and I can get back to work doing work for a change.

-Greg

The main problem, I think, is my impatience.

I’d much rather sit down and have a novel appear on the screen in front of me without much time put in on my part.

Here’s what happens:  I sit down, I think for about 20 minutes.  Dissatisfied with taking so much time and not doing anything, I begin to type.  I write a paragraph.  I write a couple more sentences which are then deleted because they lead too quickly to the ‘next thing’ instead of making my writing richer in content.

And I don’t go on with it.  I give up and start another project or idea rather than finish something that I consider to be less than good.

I’ve been trying to produce something and I find myself vastly unhappy with the result.  It makes me sad because I feel pretty good about my writing in its non-fiction forms.

Now I’m going to go check up on my cohort to see if he’s managed to produce anything yet.

-Greg

For the last year and a half the ol’ computer has been slowly falling apart.  It began when one of the USB ports on the front of the case stopped working.  Then, one by one, all the ports started failing.  Now I’m down to 2 functioning ports.

The floppy drive (yes I have a floppy drive, shut up.) works only halfway – recording or reading only half the data that I require.

And now whenever the computer is even nudged slightly by my overactive foot the power fan slows to about half speed.  It then gradually works its way up to full speed until I nudge it again.

I could fix these problems, given enough time and patience.

I think that instead I’ll just try to save up and buy a happy new computer.  If I actually do that it will be the first time in my life that I’ve simply purchased a computer rather than build one.  It’s a strange thing to consider.

That’s all.

I’ve encountered a new first in my career.  I have met with a family recently who is within a decade of retirement- who have pretty much no way outside of winning the lottery to achieve their retirement goals.  My partner says “Well, we’ll have to remember to smile, at least.”  I wonder if that will help.

I get the feeling that they were hoping for some kind of approval of their retirement plans, or perhaps some kind of suggestion that will magically make their money dance itself into an interest-earning frenzy.   The simple fact is that they make too little money to reach their goals.  They’re either going to have to keep working long after they’d like to, or lower their expectations. (A daunting task for a family who lives on so little.)

Alas, I have no such dance-inducing spell.

At least, not for money.

Of course we will make suggestions, and if followed, the family may find that they are able to get pretty darn close to their target retirement income for the first few years.  But it isn’t going to sustain them forever, nor at levels that grow with inflation. The upside is that they may be more willing to suggest we talk to their children and prepare them for retirement in a way more suitable than “Well, I have a 401k.  Isn’t that good enough?”

Life is strange sometimes.  I think I would hate to get to within a few years of retirement and find myself looking around wondering where my money went.  I got into the business because I was worried that my parents were in this situation.  Turns out they’re pretty much okay – much to their own surprise!  (and my relief.)  But now as I meet people who are really facing this problem – basically being forced to work till age 75  or beyond – I feel somewhat helpless.

Strange strange world.