Archive for January, 2015
WE REMEMBER
I came across this piece in my email and thought I’d pass it on for the benefit of my writer and reader friends. Here are a list of writers, having completed this journey of life, leaving us with their words and thoughts.
We are all on this identical journey with the same destination. Let us hope that we leave behind a life’s work worthy to be remembered, if not by the world, at least by those we love.
http://www.buzzfeed.com/danieldalton/i-began-to-exist#.op8AzP88M
THE SECRET TO A GOOD RETIREMENT: WHAT NO ONE WILL TELL YOU, PART 3
Here are some guidelines I put into play during my life and are helping now in retirement.
Get as much education as you can. With costs today, it is not easy but it is important. If you think a high school diploma will be enough, learn a trade during those years and work as hard as you can learning it.
Here I’m going to be a little philosophical, but a good education will not only get you a good job but enhance your appreciation of your life and the world around you, give you the ability to understand and analyze the world around you. Today we have become a population of sheep spending and wolves profiting. Question everything. This was once a hallmark of youth, to think and question, not to bury your mind in an endless stream of the latest electronics.
Don’t spend like a drunken sailor – sorry sailors. This is the really hard part.
For your entire life, buy only what you need, not everything you want.
Learn that bigger is not better. We are only told bigger is better is by those who sell big.
Don’t upgrade just because you can. It may cost you down the road.
Don’t move from that small house you’re in now just because you can. If you don’t need the room, stay where you are. If you have kids and it seems a little crowded just wait awhile. The kids will move out after a time, and if you’re lucky, will only come back to visit.
Develop a comfortable lifestyle and stick with it no matter how much money you make. The money you don’t need, save. And find the most profitable way to save. In today’s world, a bank is not the place. Find a financial advisor, but only through references that you trust.
The next may be difficult, for in the reality of today’s world, it may no longer exist.
Find a decent paying job and stick with it.
Earn a 401k or pension that is properly funded. Even if at times the job is shit, stick with it. I’ve better.
Here is a fact none will tell you in all the seminars you will be offered to attend at the finest restaurants in the area. If you are young, you may not believe it but this will happen. If you maintain a decent salary all your life, you can retire early and not need to wait until you’re 70. I retired at 62 and the increase I would see at whatever age was minimal, because I maintained a good salary with increases and qualified for a decent social security payment at the age of 62.
What retirement guru will tell you all this?
I strongly feel, that the secret to a good retirement begins when you are young. When you reach the age to retire and are offered a plan where all is taken care of, it is probably bogus.
This is just my opinion, take it or leave it.
I just had to get this out of my system. There’s more where this came from and will follow.
Now back to the important subject of writing.
THE SECRET TO A GOOD RETIREMENT: WHAT NO ONE WILL TELL YOU, PART 2
I’m here to tell you, what I think, is there a secret to the good retirement. But if you’re an old flatulence (trying to keep it clean) or approaching old flatulence age, it’s already too late. The secret, of course, is to start saving early. But there’s more to it than that, much more. Lifestyle is a big factor, what you expect from life and what you have experienced is a big factor. I’ve been lucky, in that the situations in my life formed an individual primed to save and not expect much, not need much. Let me explain.
Those familiar with my blog have probably read some of my memoir pieces. Born and raised in Newark, N.J., my family was poor. By the time I began college, we had always lived in the same cold-water flat. Six of us in two bedrooms. The experience was less than pleasant, but little did I realize it primed me for the future. Extravagance has no place in my existence, never has, never will.
What follows are some truths I have learned. Truths the retirement hucksters will not dare tell you. How will they make their money for their retirement? When you reach that certain age, and if you’ve not been diligent with your career and finances, anyone painting a rosy picture of what life could be like is just reaching into your pocket. .
I feel that preparing for retirement is not something you suddenly do when you’re ready to retire, or nearing that point. It’s a lifestyle you establish while you’re young and stick too. Perhaps not so much a lifestyle you establish, rather one that happens upon you.
But there is a way to prepare, depending on your age, not so much for you but for your offspring. Teach your kids well. If you talk on the phone while driving, and demand that they don’t because it is dangerous, no matter what they say, they will talk on the cellphone while driving. Our children learn by example. And whose example, yours.
If you max-out your credit cards and buy whatever you want, and then turn around and tell your kids to spend responsibly, what do you think they will do? It is the future generation we have to teach by example, not by words.
Here are my three simple rules to a secure retirement. You will not like them, even if you are young. Most of the young will not listen, it’s the immortal and all-knowing thing, but here they are… to be continued
THE SECRET TO A GOOD RETIREMENT: WHAT NO ONE WILL TELL YOU , PART 1
I am a writer, and I hope that someday to gain some success. I am also a retired scientist therefore, have some knowledge of this game of ‘the good retirement’ you might say I gained through ‘on the job training’. With that in mind, I am writing a piece that many will find discouraging and I’m sure with which many will disagree. I can only speak from experience, and for myself. With all the talk about retirement, due to that nasty habit we have developed by living longer, I thought I’d voice my experience. Nothing you read here may help you. My hope is that someone out there may benefit.
Here we go.
Other than being a writer, I am a person trying to survive in today’s world and economy. I think I have the secret, at least for myself and maybe those young and prudent out there (that’s a hint as to what is coming up) to a secure life after you retire. If you are beyond ‘young’ you will not enjoy what I’m about to say, but such is life, but then again, you may have journeyed down the right road early on.
Newspapers, periodicals and direct mailings focused on seniors tout the way to a retirement where all your dreams are fulfilled. Where life will be a comfort and no worries will cloud your future. Once you reach a certain age, you will bombarded with offers to free dinners at the trendiest local restaurants to listen to the profits of retirement success. The only success realized will be their own profit.
I’m not saying that you don’t need advice, but what you get at these fancy restaurants may not be the most helpful. Could even hurt you.
I’m not going to give any specifics, but what follows next is fact. You just have to believe me.
My first experience with a financial adviser was through my employer, a large company with many who signed up. After my wife and I provided all the data asked for, he asked me, “How you like to retire at 57?” Who wouldn’t? As time went on and our daughter set off to attend NYU, during a meeting he just mumbled saying, “I don’t know how you’re going to pay for it.” That retirement ‘at age 57’ went out the window. Eventually, we heard about another adviser with a local reputation. Word of mouth, the best way to a reputable business whether it’s plumbing or investments. We decided to change advisors and that’s when things got a little ugly. Attempting to switch our investments for one to the other was like pulling hen’s teeth. The new advisor expected there to be difficulties and he was right. To make a long story short we are very happy with our new man. Oh, and he doesn’t charge a fee, only takes a percentage of our profits. If we don’t make money he doesn’t.
So if you’re at that golden age to take action, stay away from the free meals, unless you’re really hungry. To my mind, it’s all bullshit… to be continued.
STRUGGLING TO GET IT PUBLISHED: WRITER’S RESOURCES, ALSO, WHAT LIES AHEAD
As I stumble through the maze of trying to get my work published, I run across websites that may be helpful. I’ll let you be the judge on how helpful they really are, but I’ll share them.
Next week, I will perhaps make many enemies and maybe one or two friends.
My new series, Rant & Raves, will take a personal look at retirement for that is where I am now. I find the process not difficult and share my ‘insight’.
Most of my enemies will come from the gurus lecturing on how to retire with no worries, the term ‘snake oil’ comes to mind. This will be a personal journey, not meant to be chiseled in stone, merely etched in sand. But having gone through the process, i.e. living to this point, I feel the need to share my ‘wisdom’.
Anyone wishing to ease that retirement from my first life, my writer’s life is still in process, look below.
Here are some links where you may purchase my work.
Melange Books
http://www.melange-books.com/authors/walttrizna/index.html
Barnes & Noble.com
http://www.barnesandnoble.com/s/walt-trizna?store=book&keyword=walt+trizna
Amazon.com
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dstripbooks&field-keywords=walt+trizna
THE NIGHT ETERNAL by GUILLERMO DEL TORO AND CHUCK HOGAN
The Night Eternal, the final book in The Strain Trilogy is a wild ride and a ‘must read’ for anyone at the least interested in vampires or the source of this horror.
Never before has there been a scientific explanation behind the myths and legends of these monsters, how they infect, how they react to sunlight and mirrors. The authors have changed some characteristics, replace fangs with a method of infection beyond repulsive, but it is all to their credit. And never before, to my limited knowledge, has there been an explanation involving the birth of the original vampire. And I must tell you, the source of the original vampire will rock you.
I cannot strongly enough implore you to read The Strain Trilogy.
Here are some links where you may purchase my work.
Melange Books
http://www.melange-books.com/authors/walttrizna/index.html
Barnes & Noble.com
http://www.barnesandnoble.com/s/walt-trizna?store=book&keyword=walt+trizna
Amazon.com
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dstripbooks&field-keywords=walt+trizna
FRANNY AND ZOOEY BY J. D. SALINGER
I’ve mentioned in a past post that, after reading an author’s work, I seek out their biography. With J. D. Salinger, I did the exact opposite.
I first read Salinger’s biography by David Shields and Shane Salerno. I couldn’t remember if I had read Salinger’s classic, The Catcher in the Rye, so I read it and recently posted my thoughts, and now have read Franny and Zooey. This book is composed of two works concerning members of the Glass family. Here are my thoughts.
Franny and Zooey are the youngest of the seven siblings, two girls and five boys, of the Glass family. Their parents are vaudeville actors and the children are all described as being extremely intelligent and attractive. The radio show, It’s a Wise Child, features the siblings for an extended period for there is a great age difference between the first and the last.
In the first piece, Franny, we find a girl of twenty, with a rather unstable nature, meeting her boyfriend for a weekend game. They go for lunch where martinis are consumed and endless cigarettes smoked. The language is stilted, by today’s standards. The Zooey piece concerns her brother and her condition in the previous piece. Zooey, along with his mother, also smoke constantly. Zooey also exhibits an attitude and sophistication not keeping with his age of perhaps 25.
The purpose of this post is, in my opinion, today’s reader would not find these works entertaining, or meaningful.
After publishing his work, Salinger wrote, as a recluse for 45 years, producing a reported volume of work to be published in the future, dealing with the Glass family as well as the Caulfield family from The Catcher in the Rye.
I’m looking forward to reading these works to see, while in seclusion, Salinger kept up with the times. Generations of both families would have past. Did they trade martinis for marihuana? Did the stiltedness of their encounters become steamy sex? Did his writing change to reflect the time?
Here are some links where you may purchase my work.
Melange Books
http://www.melange-books.com/authors/walttrizna/index.html
Barnes & Noble.com
http://www.barnesandnoble.com/s/walt-trizna?store=book&keyword=walt+trizna
Amazon.com
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dstripbooks&field-keywords=walt+trizna
RANTS & RAVES: CHEESBURGERS VS VITAMINS
As I write, I try to determine if my thoughts are the result of old age or maybe keen observation. You be the judge.
In this past Sunday’s Philadelphia Inquirer, 12/28/14, I read an article in the Health Section about eye care vitamins. I take eye care vitamins with the hope of not becoming a macular degenerate, I’ve got enough problems. The article focused on a study done by four research centers, one being the Penn State College of Medicine, finding that very few of the eye care vitamins sold had the level of ingredients printed on the label, and some contained herbal supplements not included in these ingredients. A comment in the article relates, ‘By law, dietary supplements need not demonstrate safety or effectiveness, they merely have to refrain from claiming to treat, prevent or cure any disease.’
Okay, here’s a stretch: Does it seem that fast-food is more closely regulated than vitamins? To my knowledge, no one goes to a fast-food joint to improve their health. If they do, I hope they are under close supervision and reminded to take their meds. However, people do take vitamins to improve their health.
What am I missing here?
Here are some links where you may purchase my work.
Melange Books
http://www.melange-books.com/authors/walttrizna/index.html
Barnes & Noble.com
http://www.barnesandnoble.com/s/walt-trizna?store=book&keyword=walt+trizna
Amazon.com
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dstripbooks&field-keywords=walt+trizna
BEGINNING A NEW YEAR, 2014 in review
This is the time we make promises to ourselves, most of which we won’t keep. Time to reflect on the year past and the one that approaches. Time to get on with life.
As in the past, my blog will focus on writing, on where and how to publish your work, and how to endure this absurd profession. If I have any successes, I’ll share them with you. Failure will find itself under the rug.
For the coming year, I’ve decided to begin a new category, one I’ve felt growing for some time now. I already have a category, Observations and Opinions, but I find the title too mellow for what I observe as I travel through space and time. Rants & Raves will be the new category I plan to visit often in this upcoming year. It will encompass subjects which, to me, make little sense, or in general, just piss me off. The older I get, the larger this category grows.
“How does that apply to writing?” you may ask. As I read I find many current authors address issues in their fiction nudging important topic into public view. My last post, Flight Behavior by Barbara Kingsolver, is a case in point where she addresses climate change incorporated in a fantastic story. But this trend is not new. Currently, I’m reading Charles Dickens’, Hard Times, an author whose work constantly addresses the wrongs in English society. Then, there is Upton Sinclair writing The Jungle, altering the meat processing industry. The list goes on and on where fiction is used to alter fact.
Let me finish this post by thanking you for entering my life and thoughts this last year, and hope that our relationship continues.
Finally, I’ve included my past year’s blog life as reported by WordPress.
The WordPress.com stats helper monkeys prepared a 2014 annual report for this blog.
Here’s an excerpt:
A San Francisco cable car holds 60 people. This blog was viewed about 1,400 times in 2014. If it were a cable car, it would take about 23 trips to carry that many people.