Wednesday, November 22, 2017
Wednesday, November 15, 2017
HERE'S TO THE LATE BLOOMERS
"I'll tell you, there is nothing better in life than being a late bloomer. I believe that success can happen at any time and at any age."
Last Saturday - November 11 - I planted kale and arugula sprouts in my backyard garden.
To some, planting vegetables so late in the season may sound foolhardy. But with our growing conditions here in Harmony and my green thumb, there's still plenty of time to produce lots of delicious, healthy crops. In fact, vegetables grow better when our nights get cooler.
On January 2, 2018 - at the age of 65 - I will be launching a new business enterprise.
Some of my friends have questioned why I would do such a thing when I'm already at an age when lots of folks are ready to turn themselves out to pasture. Time to hang it up, slow down, and learn how to play golf, they say.
I don't see it that way. To me, I'm still in the middle of my growing season. I still have some blooms left in me. I may not have as much energy as I did when I was 35, but I have more insight, life wisdom, human understanding, and useful knowledge. I think I can still bring great value to the table for those who want to get their legal and retirement affairs in order.
Many folks my age have discovered a new passion and have gone on to do exceptional things after "normal" retirement age. For example, Colonel Sanders was 65 when he launched the first Kentucky Fried Chicken franchise. From there, he went on to become a multimillionaire and a world-famous icon. Grandma Moses was 75 when she first took up painting. One of her 3,600 works, Sugaring Off, which she painted when she was 83 years old, sold a few years ago for $1.2 million.
At my "advanced age," I have discovered a new mission: I want to deliver first-class professional planning services to middle income families conveniently and at an affordable price.
Middle-class clients today find themselves on the horns of a dilemma when it comes to wills, trusts, and other planning tools: Average consumers consider traditional law firms too slow, too expensive, and largely unapproachable. As a result, many Americans have turned to Legal Zoom and other online services. Sadly, the online route is often dangerous and fraught with serious mistakes. The results can be disastrous.
Case in point: In Aldrich v. Basile (2014), the Florida Supreme Court adjudicated the estate of Ann Aldrich. She intended that her entire estate go to her brother James. Unfortunately, Ann had prepared both a will and an amendment by herself using "E-Z Legal Forms." Both turned out to be defective under Florida law.
The self-made will had no residuary clause, so much of Ann's property was not covered and did not go to James. Ann tried to fix that mistake with an amendment or "codicil," but the amendment wasn't witnessed correctly so the court threw it out.
Two of Ann's nieces who were not included in the will contested the will during probate, arguing that they were entitled to part of the estate that was not specifically included in the document. They argued that because the will didn't have a residuary clause, the unnamed assets should pass through Florida's laws of intestacy.
After more than four years of legal wrangling, the court ruled that much of Ann's substantial estate went to the two nieces, whom she did not like. Although the court seemed sympathetic to James Aldrich's plight, it ultimately found that any other interpretation would require the court to rewrite the will to include provisions that Ann Aldrich did not specify.
Justice Barbara Pariente said the case reminded her of the old adage, "penny wise and pound foolish," for had Ann Aldrich used a qualified attorney to draw up her will, her brother likely would have wound up with the full estate as she intended.
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Tragic messes like the Aldrich case are all too common and altogether unacceptable. Besides traditional law firms and online services like Legal Zoom and its ilk, I believe there is a third way, a better way. I have discovered that better way and I'm prepared to offer it to the good people of Central Florida in January. I am building my new business around this simple idea: Middle Income Families Deserve Professional And Convenient Estate Planning and Retirement Planning Services at an Affordable Price.
So, when is it too late to plant? For me, not yet. I still have some growing and blooming to do. As Robert Frost wrote, "I have promises to keep, And miles to go before I sleep, And miles to go before I sleep."
Can't wait for January.
Wednesday, November 8, 2017
I HOPE I NEVER HAVE TO LIVE WITHOUT YOU
"True love is not so much a matter of romance as it is a matter of anxious concern for the well-being of one's companion. Any man who will make his wife's comfort his first concern will stay in love with her throughout their lives and through the eternity yet to come."
Gordon B. Hinckley
My wife Marcie turns 66 next Tuesday. But unlike most women, she does not dread getting older. In fact, she has always looked forward to being her grandparents' age, perhaps because she had four truly angelic grandparents who doted on her and provided a foundation of love and stability in the midst of her parents' divorce. I too have found wonderful joys with each new stage of life as I advance through the years.
We especially love being on this journey together. We were madly-in-love newlyweds at age 23, and we're still madly in love after all these years. A line from The Notebook captures our feelings for each other:
You are my best friend as well as my lover, and I do not know which side of you I enjoy the most. I treasure each side, just as I have treasured our life together.
So, we don't worry about getting older, but we do worry about leaving the other alone. Because of our temple marriage for time and all eternity, we know with an absolute certainty that we'll be husband and wife forever after we die. We just hope we can avoid long years of earth-life separation if one of us goes first.
Winnie the Pooh gave voice to our deepest wish when he said:
If you live to be a hundred, I want to live to be a hundred minus one day so I never have to live without you.
We recognize that's not likely to happen, but wouldn't it be sweet if it did? It would probably be traumatic for our children, but for us it would be prayers answered and dreams come true.
Funny how your dreams change as you get older.
Wednesday, November 1, 2017
ARE YOU WORKIN' ON SOMETHING BIG?
"It wasn't no way to carry on
It wasn't no way to live
But he could put up with it for a little while-
He was workin' on something big."
Tom Petty and the Heartbreakers
In the chorus of Tom Petty's rather unsavory "Something Big," we find an important bit of wisdom: we can put up with a lot of challenging stuff when we're focused on an objective bigger than ourselves.
Everyone's path through life has its share of boulders, potholes, and detours. Those who fail to identify their own personal "Something Big" are in for a bumpy, grumpy ride, while those who find a larger purpose discover that the journey is exhilarating and joyful.
If I'm headed to an important meeting, a long-awaited vacation, or a holiday with my grandchildren, I can handle crowded airports, cramped airplane seats, and delayed flights - but only if I keep that more significant purpose in mind. If I lose the vision of why I'm traveling, the flight can become unbearable.
If I'm working on a new tool or a different direction for my business, I find renewed energy and abundant creativity that pulls me through the rough spots. For me, without the next big idea or project, work gets stale and aggravating. No fun. I've got to have "Something Big" up ahead of me.
So, what's your next "Something Big"? What's going to allow you to "put up with it for a little while" while you're working on your own personal "Something Big"?
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