Retirement: Cashing In Before You Cash Out

 

I’m not so much interested in the return on my money, as I am in the return of my money. Will Rogers

I’ve spent quite a bit of time lately, trying to figure out our family finances going forward.

I have an advanced degree in management, with graduate level courses in finance and accounting under my belt. I’ve even taught graduate level courses in management at one of our local universities.

That does not mean that I have a crystal ball about what the markets are going to do in the next decade. In fact, about all it means in real life is that I understand things like beta and r squared and other odd whatnots of data that the investment firms put out there. Truth told, my insight into politics has actually proven to be a better predictor of long term financial trends than technical financial data.

The markets have given us quite a hayride since the turn of the century. We’ve had two big recessions that basically leveled the returns generated in the bull runs that came after each of them. Extreme volatility has been the hallmark of the markets in the first years of the 21st Century.

I kind of knew this was going to happen way back, but not because of my master’s level coursework in finance and accounting. I knew because I understand politics and I saw what most people don’t want to admit: We are electing ideologue puppets who do not care about this country and who have put corporatists in charge of our nation.

So, what does this mean to the retiring baby boomer generation? Just this: You’d better be careful.

As I said, I’ve spent a bit of time lately, re-jiggering our itty bitty retirement savings. That led me to read the info on various investment web sites. One thing that struck me is the paucity of honest advice from the financial services industry for people who are actually in retirement.

Most of what’s out there is a series of useless three, four or five question risk assessment questionnaires that end in a pretty little round chart advising you to put your doh re me into set percentages of equities, bonds and maybe the side bet du jour, such as REITS or commodities. There’s usually a breakdown between percentages of international and domestic investments, but that’s about it.

I’m not arguing that the allocations you choose between equities (read that growth and loss) and bonds (read that income) will pretty much determine how your investments ride the market. In fact, I’ll go a step further and say that almost everything you’re doing with your investments is just riding the market.

If what you are doing when you invest is riding the market, and the percentages you chose between growth (and loss) and income determine how your investment boat floats, then that makes those ridiculous questionnaires and their pie charts important. What’s scary about this is that the percentages those charts are advising are totally off for retirees. They are far too risky, and they are based on a laughably fallacious assumption.

These savings, which are often accrued with a self discipline and self denial about money that approaches a fashion model’s discipline concerning food, may well be their owners’ best shot at all the extras and a lot of the necessities of their elder years. Without Social Security, these savings could be all they have between them and what people used to call “the poor farm.”

This pro forma advice, if taken down like the daily dose of castor oil that my grandmother’s generation once administered in the spring time, will probably yield you a reasonable-sized pot of money at the end of your working years. This outcome is nowhere near as certain as the investment websites imply, as those who had to retire in 2008 know. But that is another story.

At that point, you will find yourself looking at the numbers on your computer screen with the knowledge that this is all there is and you’d better not blow it if you don’t want to eat beans and rice for supper every day of your extreme old age. So, you turn to the “expert” advice on those websites and play copy cat with those little round charts and their color-coded percentages.

Sadly, your actual situation and true risk aversion probably have little or nothing to do with the proportions those charts advise. The primary reasons are a fallacious premise and human nature. Let’s take the human nature part first.

The plain truth is that all people lie to themselves about themselves like they breathe.

Those self-lies carry over into the answers you give to the three or four questions that the marketing departments of those various investment firms put out there on the internet. You will say and believe — when you are clicking answers on a questionnaire — that when the market takes a breathtaking dive for the bottom, you will not only hold your investments, you will pile more money into them. You can say that all day long when you’re answering one of those questionnaires. It won’t hurt a bit.

But the real time pain of watching your life’s savings drop, drop, drop like a rock falling into a well is something else again. Suddenly, you’re the star of a gambling movie and you’re letting your lifetime winnings ride on the next roll of the dice. Or, you’re the driver of a car who just pulled out to pass and is staring into the headlights of an on-coming semi.

The older you are, the more you have to lose, the less you can get back, and the harder staring into those headlights becomes.

People duck in those circumstances, and in the parlance of the game, “lock in their losses.”

The first rule of successful investing is “sell high.” If you can’t white-knuckle those blood-curdling dives into portfolio oblivion, you will violate that rule and sell, not only low, but historically low. You will deflate all those years of scrimping and saving and doing without with a single click of the “sell” button.

But what about the person who has no choice? What if, say, you’re actually living off those savings? What if the crumbs that are left on the table after the crash are all you’ve got? What if you have to sell to pay the bills, even if it means liquidating an unrecoverable large percentage of the fund shares you’ve labored to accumulate over the decades?

That’s the point where the advice in those little circular charts with their color-coded admonitions to buy various percentages of stock/bonds//cash/side bets become something approaching criminal. Because if you’ve done like all of us do and lied to yourself about yourself and blithely answered those questions to the gunslinger side of investing, and if you’ve then slavishly followed the advice in the little chart, you are out there with an investment portfolio whose decline you cannot stomach when it dives for the dirt.

Oh, it was great fun when said investment portfolio was soaring toward the clouds. It felt wonderful, like winning at the annual office softball game, to check your score and see the numbers ticking off in a steady climb higher. You’d check those returns and bask in your own brilliance for being such a clever investor.

But when the bitterness of going down the other side of that mountain begins to settle on you, it’s difficult not to feel panic settle on top of that. If you are actually in retirement, rather than preparing for it, that panic is not at all misplaced.

If you have, as I do, kids in college and an elderly mother to care for while you are also figuring out how to keep a roof over your own head, that panic is not only a realistic response, it may very well be an emotionally accurate assessment of your situation.

You can easily find yourself prey to the marketing advice of the disconnected minds on the other side of those little charts. They  advised you to put entirely too much of your nest egg in equities for your situation and your stomach and you did it. Now you, and not they, will pay the price.

I’ve looked at the advice out there for retirees and I believe quite strongly that it is entirely too focused on growing your money instead of spending it while conserving it.

The recommendation to keep a certain portion of your retirement portfolio invested in growth and loss is — at least in the early years of retirement — good advice. But those questionnaires and resulting charts are way off in the percentages they are advising you to take. This is where we get to the fallacious assumption part.

Old-school opinion was to subtract your age from 100 and put that amount in stock. Or, conversely, to put your age in bonds and cash. Either way, the whole scenario was based on the assumption that the human life span ended at 100. It further assumed that people in retirement have less time to make up losses and a need to liquidate assets on a regular basis in order to live off them.

Today’s financial gurus quarrel with that assumption. They claim — with straight faces — that, because “people are living longer than they used to,” we should change the formula and base it on 120. Subtract your age from 120, they tell you, and put that amount in bonds. Put the rest in stock. “Keep your money working for you” by being “100% invested,” which is to say, eschew cash entirely.

All this is based on that magically altered number: 120. This new number, on which the investment industry has millions of nurses, welders, middle management types and professionals betting their retirements, is supposed to reflect the “fact” that “people are living longer” these days.

As if.

How many 120 year old grannies do you know?

The truth is, we’re not living longer. Fewer people are dying young. Our so-called longer life span is just an average that reflects the fact that stable government, better nutrition, vaccines, antibiotics and anesthesia which allows advances in surgery is giving more people the chance to live out their full span of years.

Don’t let these ludicrous claims about “people living longer” persuade you to Invest like you’re in your mid 50s and have a dozen years to work, when you’re really bumping against 70 and drawing down those savings. That’s fantasy investing. It can leave you broke and sucking air at the precise time of your life that you scrimped and saved to provide for in the first place.

In my opinion, if you need to invest percentages in growth and loss that are as high as these websites advise in order to have enough money, you are not ready to retire. You need to change something on a more fundamental level than your portfolio allocation.

Perhaps you should become a one car family, or clip the cable tv, get your books and periodicals at the library and start thinking about visits with the relatives in a nearby state instead of high dollar tours of foreign lands. Maybe it’s time to give up eating out every night and replacing automobiles, appliances and computers while they are still working perfectly well.

In addition to telling you to invest in portfolio allocations that are too risky for your age, a lot of these web sites also advise you to keep on working ad infinitum to “let your savings grow.” They use a full-blown oxymoron to describe this: “Working retirement.”

Get a part-time job they say, or maybe even a full-time job. To which I reply once again,

As if.

Are you saving in order to have money to retire, or are you saving to grow money for itself?

Do you really want to be an old coot, sacking groceries in your “working retirement?” Is that your big plan that you’ve been saving for, to work until you drop?

Whatever it takes, you need to get that growth and loss portion of your portfolio down to the point that those dives into the dirt level off and become dips in the air. You need a big chunk of your money in cash, even if it’s not earning anything, so that when the plumbing breaks or the kids need tuition or Mama has to have a hearing aid you can chin it without being forced to sell low.

And you need to pare your expenses so that these sensibly invested savings, plus Social Security and whatever pension you might have, will keep you going.

Someone should put a big red Stop! sign in front of those questionnaires and their little pie charts. Because they ask the wrong questions and they are based on fallacious premises. They give dangerous advice to vulnerable people.

They should really be asking you things like how much money will you get from other sources besides this little pot of gold you’ve saved? Do you, or will you by the time your retire, own your home? Are you saddled with short-term debt such as credit card debt and department store loans? How many miles do you put on your car each year? How healthy are you? Is your house energy efficient? What are your human liabilities: Do you have aged parents to care for, kids to educate, a disabled spouse or child?

And oh yes, what will you do when the markets tank? What is your contingency plan for the days, months, weeks and years when the whole thing craters and you are left holding a couple of quarters on the dollar of what you had before? Because it will. The only thing uncertain is when.

Sure. It has historically always come back.

In time.

But how are you gonna live while the tide is out?

The real questions, as far as risk is concerned, are (1) how much (and how long) of a dive can you take without cutting and running, and (2) how will you fare while your savings are bottom feeding? Remember: It took 10 years for the markets to come back after the crash of 1929. That’s scary stuff. But it is also a fact.

The difference now is the leveling influence of Social Security and unemployment compensation on the economy. No matter what happens, Social Security keeps pumping money into the economy. People tend to forget that, but the “earnings” of Social Security and unemployment compensation act much the same way on the economy that dividends act on stocks. They level out the troughs.

Your questions of personal survival in the choppy waters of macro trends are only partially based on the psychology that says that you and everyone else gives wonky answers on those little questionnaires. There is a bottom line here and it’s hard as concrete. How do you plan to survive and keep your obligations during those down times?

There are answers to these questions, but you won’t find them in the boring and simplistic advice being churned out by investment firms’ marketing pages. Even in retirement, investment firms are advising you to swing for the fences.

That’s bad advice. Get that growth and loss portion (stocks) down to manageable levels. Raise the income-producing portion (bonds) and non-productive but safe cash portion up accordingly.

If you’re in need of a formula, the traditional advice to keep your age in bonds and cash and put the rest in stocks is time-tested and simple.You don’t need an advanced degree to figure it out, and, unlike the advice coming from those little charts, it’s based on your reality.

Don’t worry about what-ifs like whether or not interest rates will rise. If you have cash, that’s more money for you, and if your bonds fall, they’ll keep paying themselves interest and buying more shares of themselves in the bond fund and, well, you and compounding will win out in the longer while. The trick is, don’t sell them while they’re low.

Which goes back to cash. I can’t emphasize enough that you need to keep a chunk in cash so you can live, no matter what. Assess your real-life responsibilities. Put yourself on both a short-term and a long-range budget. Ignore those questionnaires and their cutesy little pie charts. Make sure your Congressperson knows that anybody or any political party that messes up Social Security is going out the door, feet first.

Then fold up the investment planning for a year and get back to living.

All will be well.

Taking Off for Labor Day

 

I’m taking off for the Labor Day weekend.

I’ll be back Tuesday.

Here’s hoping you and yours have a wonderful holiday.

If You Don’t Like Black People, You’d Better not Plan on Going to Heaven, Because There’s Going to be a Lot of Them There

 

 

Opio Toure

Opio Toure was my friend.

We knew one another before either one of us was elected to office, back when we were both young and full of ourselves. Then, for a few blessed years, we served together in the Oklahoma House of Representatives.

We differed, as people always do, on a couple of issues. But our hearts walked the same path. There was a time, and it wasn’t so long ago, when being black in the Oklahoma House meant taking a lot of guff. It was subtle guff, but guff, just the same.

 

Opio, back when we both were young and full of ourselves. 

I remember one time when a battle of some sort of ugly guff-ism was coming down, I got overwhelmed. I turned to Opio in disgust. “You need to make me an honorary black person,” I said, “because I’m sick of these white folk.”

He looked at me and said, “Oh, you black. You black.”

That remains a treasured memory for me, and it will until I see Opio again.

When things got tough, Opio and I used to leave Bible verses on one-another’s desks. Those verses are also among my most treasured memories.

Opio was a Baptist preacher, who had Catholic relatives. One of his favorite items was a Rosary that had belonged to his aunt. He carried it around on the House floor, fingering the beads for comfort. We talked about the holiness of that Rosary, soaked with years of the prayers of his God-fearing, God-loving aunt.

It is not an exaggeration to say that I love Opio Toure, my brother in Christ.

 

Linda Richardson, prayed my asthma away.

Then, there’s the God-fearing, God-loving black women who grace this world.

I have asthma. A few years back, the asthma almost did me in. It got worse and worse, until every step I took felt like I was walking through knee deep mud. Then one day, my assistant, Linda Richardson, reached out with the authority of the Spirit-filled and laid her hands on me and prayed, rebuking the asthma in Jesus name.

This was totally spontaneous on her part, we were just talking when she did it. But I felt the power immediately. From that day forward, the asthma began backing off. It’s still there, but it’s quiet. I don’t need medicine for it, haven’t needed medicine for it for a long time.

 

Kurt David English

I remember when I was working on my Master’s degree. My fellow student, Kurt David English, and I teamed up to help each other through the degree process. Kurt is a black, Spirit-filled man. We prayed together and talked about Jesus together and supported one another through that degree process. I don’t think either one of us would have made it without the other.

 

Representative, soon to be Senator Anastasia Pittman, carrying a Martin Luther King sign.

Then there’s my seat-mate, office mate and best legislative bud Representative, soon to be Senator Anastasia Pittman and our assistant, the incomparable Miss Trena Byas, as well as Gracie Monson. These praying women have gotten me through a lot of deep water. During tough times in the legislature, they formed a kind of retreat around me, a safe place. They made a home for me when being a pro life Democrat left me otherwise homeless.

 

Representative Anastasia Pittman and Miss Trena Byas, my legislative homies. 

 

The powerful praying woman of God, Gracie Monson

This is just the tip of it. I could write a book on the powerful praying black people who have blessed my life. In this world of politically-correct weak-and-worthless Christianity that tries to make itself small enough not to be a target of those who hate Christ, black Christians are the unafraid and anointed.

 

Democratic Floor Leader, Representative Opio Toure

I once asked Opio (I was pretty mad when I asked it) why it was OK for a black Democrat to be an outspoken Christian but a white Democrat Christian who talked about Jesus got slapped around by the party.

He laughed and shook his head. “I don’t know,” he said. Even though he didn’t have an answer, the acknowledgement of what I was facing helped me enormously.

Back when Democratic activists were putting out flyers in the district I represented denouncing me directly for my Catholic faith in the most bigoted manner possible, it was Opio who said “This is outrageous.” No one else would stand with me.

This post is more reminiscence than anything else. But it does have a message: If you don’t like black people, you’d better not plan on going to heaven, because there’s going to be a lot of them there.

 

Saint Josephine Bakhita, captured by slavers, freed in Christ. 

Another message I’d like to pass along is that if you’re a white Christian and you haven’t found yourself a few Spirit-filled, black, praying friends, you need to get out more, because you are missing your blessing.

Black spirituality, including Black Catholic spirituality, is different from white spirituality in the precise ways that we white folks need to improve ourselves. Black spirituality is unashamed of the name of Jesus. Black Christians don’t mess around trying to hide their Jesus so that no one will accuse them of all the things that Christians get accused of in this post Christian America. They aren’t afraid of being harassed and criticized for Christ. They step right out there and proclaim the Lord and His power, and they mean it. Nobody talks their Jesus down to them. They won’t allow it.

Black Christian power was shaped in the crucible of hundreds of years of slavery and second-class citizenship. It was black faith and that powerful black praying that allowed them to walk right out of those ghettos, to march through the fire-hoses and police dogs and cops with truncheons and lead this whole nation to a rebirth of equality.

 

Mother Mary Lange, founder of the Oblate Sisters of Providence

Faith alone explains the power of the Civil Rights Movement that fought and won a war without bullets or guns against an opponent who had and used both those things.

We don’t make enough of what black people have accomplished for themselves and for this country by enduring and winning the Civil Rights fight. We emphasize the wrong things. The evil of their persecutors was true evil. But the focus should be on the nobility and power of the fight that black Americans made against that evil.

The Civil Rights Movement was faith with legs. It was truth spoken to power. It was, in a way that we don’t acknowledge, our finest hour as a nation.

And it was Spirit-filled from bottom to top. It was an expression of black Christianity and the power of a praying people.

White Christians need black Christians. We need to learn from them.

Try spending time in a black church once in a while. I promise you, you will be blessed.

 

Home and Family are Not Outmoded. They are Eternal Truths on Which People are Built.

 

A long time ago in a land not so far away, married couples often stayed married to one another, despite their disagreements and problems “for the children’s sake.”

It was assumed that destroying a child’s home would damage the child. Underneath that assumption was another: Children have a better start in life when they are raised in their own intact families with their own biological parents.

Along came the 60s and this notion of staying together “for the children’s sake” was tossed in the cultural ashcan alongside civility, honor and a belief in the common good.

The Me Generation wanted to opt out of all the constraints that came between it and its essential drive to all-out me-firstness. “It’s better to be from a broken home than to live in one,” was the new slogan. It was put up there on the living-by-slogans billboard just below the “quality time” slogan concerning child rearing.

We didn’t, we were told, have to concede to the onerous demands of full-time child-rearing. We could drop in once in a while for “quality time” and this “quality time” would be so incredibly powerful in shaping the child’s character, values, morals and overall mental health that it would wash away the deleterious abuses of being ignored and shunted around for the bulk of the child’s life.

It was magical stuff, this “quality time” — the elixir of having it all without the need to feel guilty about short-shrifting our young.

Ditto for being from broken homes rather than living in them. It was, we were told, oh so much healthier for a child to live part of his or her life in a tranquil, albeit it lonely, home without Dad, watching tv, and later, playing video games, while Mom worked, and then to shuttle off to Dad’s tranquil homespot to watch more tv and, later play video games, while Dad worked.

“Blended” families and live-in boy and girl friends became the new normal. After all, if it makes Dad/Mom happy, then it must, by definition, be good for the kids. Or so we were told.

A child who gets the wondrous experience of counseling their bereft parent over their broken hearts about the guy/gal who dumped them, who wakes up in the morning, never knowing who’s going to be sharing the parent’s bed down the hall, who has to dip and dodge from the advances and abuses of boyfriends and girlfriends, who finds themselves suddenly saddled with steps — stepparents, stepbrothers, stepsisters, step grandparents — of all types and then, in a year or two, finds themselves without the steps once again, is, in the parlance, “growing up fast.” After all, the new new normal says, they’re going to have to deal with these things someday, anyway. Right?

Believing that all this is good for kids requires a bit of willful neglect of the obvious. First, we have to overlook the adults that these kids become. We need to stare right past the drug addiction, insect sexuality, near psychopathic way they treat one another and their increasing inability to form families and raise children of their own.

Second, we need to stop believing that there is any connection between their total lack of respect for marriage as an institution coupled with the abject willingness to see it destroyed and the fact that these young people grew up in cold, chaotic circumstances with child parents who failed at every personal value except selfishness and self-indulgence.

I know that someone is going to raise the specter of violence and abuse in the home and the need for divorce in those circumstances. That happens. And when it does, it really is better for a child to be from a broken home than to live in one.

The interesting thing is that violence and abuse in the home are not going away. Divorce has not ended it. Domestic violence is escalating. Why? You’d think that if divorce was the answer to it, domestic violence would be moving toward extinction.

I think one reason violence in the home is on the rise is this bizarre method method of child rearing that amounts to buying our kids stuff, driving them to activities and ignoring them as people while we do whatever else pleases us. I think it is giving us adult children who are exactly the kind of people we have raised them to be.

Each generation of children we are producing with these methods is less able to commit to other people and raise a family of their own than the generation before it. They exhibit a kind of internal chaos that I think reflects the chaos in which they were raised.

We’re not only producing whole generations of young people who cannot commit to one another and love one another and then commit to and love and raise children of their own, we are also producing young people who are marked by profound alienation and rage. We are, in short, getting the kind of adults that abusive homes produce. Are our current child-rearing practices abusive to children?

Oh yes. I think so.

We were deconstructing family at a massive rate long before the debate about gay marriage reared its head. When demands for polygamy follow on the heels of gay marriage — and they will — we will just slide further into the abyss right behind it because we have no cultural center to hold us.

There is only one way to reverse this trend. You must do it yourself. You must, to paraphrase Ghandi, be the change you want to see.

That means you must commit to your wife or husband; you must cherish and protect them. You must put your family, your spouse, your children ahead of everything else.

I know this will sound like blasphemy, but you need to put your home and family ahead of your career, your craving for “fun” and your desire to live life as a perpetual adolescent. You need to take care of the people God has entrusted to you before you do anything else.

The way to stop this is for both men and women to stop putting me first and put their families first. It is not enough for wives to be good wives, or husbands to be good husbands. We are male and female. That is the human race. And both men and woman have a responsibility before God to put the welfare of their spouses and their children above every other consideration.

This is drastically counter-cultural. You will get a lot of flack for doing it. Men will be called some of the pejorative names used for women if they don’t go along with the fellas about things such as sleeping around, and going out on the town. Other men will do this to them ruthlessly. I’ve witnessed it for years in my life of working with 90 men.

Women will be told they are “wasting their lives” if they stay home with the kids. When I was a stay at home mom, I had more than one person look me right in the eye and tell me I was “wasting” my life. When I ran for office again later, I also had people chide me for trying to come back when I should not have left in the first place.

The truth is, as my grandmother used to say, misery loves company. Why should a bunch of men care if their male coworker doesn’t go out to the stripper joints with them after work? Why should they turn aggressive and ugly and tell him he’s “whipped” because he loves his wife and family while they do not love their wives and families?

Who’s the real man here? Is it the braggart good-for-nothing who dishonors the people he has stood before God and promised to protect and defend, the strong individual who stands up under the verbal hazing and honors his promises with his fidelity?

By the same token, who is wasting her life? The woman who builds people, or the woman who builds widgets?

You have one life. In this free country of ours, you can spend your life how you chose. At the end of the span, when you are like my Mama and cannot do for yourself, do you want to be wrapped in the love and care of grateful generations, or do you want the cold hardness of the alone?

When you look back over your life, do you want to view a wasteland of broken relationships, crazy and dysfunctional offspring and nothing much worth claiming, or do you want to see a life that gave life, that nurtured and loved and created? Do you want to see strong people going forward into tomorrow with your love in their hearts?

When you stand before God, what will be the sum total of the great gift of years that He gave you to spend?

Home and family are not outmoded ideas. They are eternal truths on which people are built.

James Foley’s Home Parish Celebrates His Life with a Memorial Mass


James Foley’s family and friends celebrated a memorial mass for his life in the family’s home parish this weekend. His funeral mass will be in October, on his birthday. His parents said in an interview I posted earlier that they did not expect ISIS to return Mr Foley’s body.

Watching these videos makes me proud to be an American, and a Catholic.

For more details about the memorial mass, check out Deacon Greg Kandra.

This video starts with a small bit from James Foley’s Memorial Mass and moves to a longer discussion about the British Jihadists, one of whom is thought to be the James Foley’s murderer.

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James Foley’s Memorial Mass

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James Foley’s parents speak of praying for other hostages.

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Wayfaring Mama. Caring for Elderly Parents with a Will to Wander.

mama.jpg

Yesterday I took a nap.

I woke to my outraged son, wanting to know why I hadn’t answered my phone.

It seems that while I was sleeping, my 89-year-old Mama took off. She wandered the neighborhood until a wonderful neighbor took her in. The only thing Mama could get straight enough to tell her was my phone number.

But I was asleep. The phone was on the bed beside me. Just in case. I vaguely remember dreaming about the phone ringing. But it didn’t wake me. All my life, I’ve slept deep. I guess yesterday, I was sleeping really deep.

Somehow — I’m not sure how — the neighbor managed to contact one of my sons at work. He left his job and — in his own words — drove like the proverbial bat to get to Amah.

Amah, meanwhile, was fine. She was having a chirpy little old lady good time, visiting with the neighbors.

It turns out that Mama has been traveling the neighborhood at night. She’s been getting up at 3 or 4 in the morning and going to neighbor’s houses and getting them up to chat. They bring her home and we don’t know anything about it.

This is my nightmare scenario so far as Mama is concerned. If she starts wandering — and it appears she’s well into her wandering phase — I don’t know how to take care of her.

We’re reconfiguring things as I write. She’s getting a gps necklace. And we’re putting alarms on all the doors alert the police and should even get me awake and moving. We’re also reconfiguring the front door and garage doors so she can’t get out at night. She can go into the back yard all she wants. But not out the front.

I’m also going to sell some property to get the money to hire people to babysit with her when I have to be gone in the evenings. She goes to adult day care — a heaven-sent program that saves lives and money by allowing families to keep their elderly and disabled family members at home and still hold down jobs — during the day. A family member is with her most of the rest of the time.

But, we need someone to babysit once in a while, too. It’s the easiest baby sitting in the world; just dial up the sports channel, get Mama a diet Coke and make sure she doesn’t wander out the front door.

I can’t tell you how much I love Mama. We all do. The whole family is 100% involved in taking care of her. I am not some martyr for Mama who is doing all this alone. My sons do an enormous amount of the Amah care, and they do it cheerfully, lovingly and without complaint. My husband gets into it too.

Mama is a family project of love.

I hope that God gives us many more years with her. I’ve prayed at times when she was sick, asking for more time. But that is in His hands. My main prayer, which I pray fervently and often, is that Mama will be happy and not suffer. I trust her life to God. I know where she’s going when it’s time.

About a week ago, while we were out on Mama’s daily drive and ice cream run, she told me that she loved her “job” (adult day care) and that she enjoyed our drives so much. She took a few laps on her ice cream cone, then smiled. “I’m very happy,” she said.

That’s everything I ever wanted.

Satanists Gave Back the Host, but We’ve Still Got a Black Mass Happening.

archbishop coakley

So, the satanists obeyed a court order and gave back the consecrated host they’d stolen.

Was it the “real” consecrated host?

All I know is that they signed a document saying it was, and that they no longer possess a consecrated Host and they will not use a consecrated Host in their ritual.

I’m guessing that if they turn around and lip off to somebody in the future, saying that they violated this court order, they might be in contempt of court (among other things). Their “priest” is a convicted felon, a sex offender. Does he really want to play that game?

Now, back to the black mass.

The short story is: It’s still on.

What that means is that our Archbishop needs all the support and backing he can get from us pew sitters.

We need to continue praying, especially the St Michael prayer.

We need to continue praying our Rosaries.

We need to go to mass and confession to keep ourselves clear from evil.

We need to show up for the Eucharistic processions.

Unless we’re having surgery or giving birth, we need to show up at St Francis of Assisi Church at 1901 NW 18 in Oklahoma City at 3 pm on September 21 for a Eucharistic Holy Hour with Archbishop Coakley.

I told a fellow Christian from another denomination this morning that this black mass is an opportunity for us to renounce Satan and all his works and take a stand for Christ.

That means all Christians, everywhere.

The fight’s not over until it’s over, and this fight ain’t over.

I support Archbishop Coakley 100%.

I hope I see you at the Eucharistic Holy Hour. It’s not often that we get to put our baptismal vows to such direct action. Don’t miss this opportunity to stand for Jesus.

Here is Archbishop Coakley’s Press Release:

OKLAHOMA CITY (Aug. 21, 2014) – Archbishop Coakley announced Thursday that the consecrated Host at the center of a lawsuit filed in Oklahoma County District Court has been returned.

An attorney representing the head of the satanic group presented the Host to a Catholic priest Thursday afternoon. The lawsuit sought return of the Host following multiple public statements by the head of the local satanic group that they planned to defile and desecrate the consecrated Host during a satanic ‘black mass’ scheduled next month in Oklahoma City.

With the return of the Host and an accompanying signed statement from the satanic group leader that the group no longer possesses a consecrated Host, nor will they use a consecrated Host in their rituals, the archbishop agreed to dismiss the lawsuit with prejudice.

“I am relieved that we have been able to secure the return of the sacred Host, and that we have prevented its desecration as part of a planned satanic ritual,” said Archbishop Paul Coakley of the Archdiocese of Oklahoma City. “I remain concerned about the dark powers that this satanic worship invites into our community and the spiritual danger that this poses to all who are involved in it, directly or indirectly.”

Archbishop Coakley has made repeated requests for the city’s leaders to cancel the satanic ritual in a publicly funded facility.

“I have raised my concerns … and pointed out how deeply offensive this proposed sacrilegious act is to Christians and especially to the more than 250,000 Catholics who live in Oklahoma.”

On Sept. 21, the day the satanic ritual has been scheduled, the archbishop invites the Catholic community as well as all Christians and people of good will to join him in prayer for a Eucharistic Holy Hour at 3 p.m. at St. Francis of Assisi Church, 1901 NW 18, followed by an outdoor Procession and Benediction.

“For more than 1 billion Catholics worldwide, the Mass is the most sacred of religious rituals,” the archbishop said. “It is the center of Catholic worship and celebrates Jesus Christ’s redemption of the world by his death and resurrection. We are grateful for the gift of the Eucharist and pray that this threatened sacrilege will heighten our appreciation and deepen our faith in the Lord’s Eucharistic presence among us.”

ISIS Demanded $132 M for James Foley. When They Didn’t Get It, They Beheaded Him.

 

If you’ve seen the video of James Foley’s beheading, you witnessed a speech from his heavily disguised murderer giving political reasons for the crime.

It turns out that the real reason was probably mostly about money. ISIS has been receiving large amounts of money as payment for freeing ransomed Western captives. If the claims that they wanted $132 million in exchange for James Foley’s life are true, then it may well be that one of the ways in which this killing machine is being funded is through ransom.

It also makes it even more apparent that James Foley is an American hero who was murdered for his country.

America does not pay ransoms to terrorists, for the reason that I gave above. Ransom money that is paid to terrorists finances terrorism, and it leads to more innocents being taken hostage. Despite this, I want to emphasize that the work of journalists like James Foley is both heroic and necessary. They are heroes, every one of them.

James Foley’s death was murdered because he was an American. That much is absolutely certain. His murderer plainly stated that he was being killed as a reprisal for American air strikes.

It appears now that he was actually murdered because America does not pay ransom to terrorists. In this way, and only a bit indirectly, he died to prevent other people from being taken hostage and to prevent additional funding from falling into ISIS’ hands, which would have then been used to perpetrate more crimes against humanity. In short, his death saved lives.

Stories are swirling around that France has been paying these enormous ransoms. I understand the emotions behind this, but it seems clear that the money is being used to finance a genocidal army that is bent on destroying civilization.

Notice, I did not say a genocidal army that is bent on destroying civilization in the Middle East. ISIS has made continuous direct threats against Europe. They have explicitly said that they intend to wage the same kind of war there that they are waging in Iraq and Syria. They have also made similar threats against America.

How many of the immigrants from the Middle East are in fact carriers of the violent terrorism virus? We don’t know. What is clear is that ISIS is making threats that are in many ways a veiled claim that they have people on the ground in both Europe and America.

ISIS has been actively recruiting “soldiers” from among Muslim immigrant communities, which probably explains why James Foley’s murderer had what sounded like an undertone of a British accent.

From USA Today:

… if thousands of fighters with Western passports return home, terrorism analysts warn.

“Right now, they have plenty of other things to worry about and bigger fish to fry,” says Mia Bloom, an expert on suicide terrorism. But “everybody’s worried about what happens when these guys come back” – especially after the U.S. bombing.

The Islamic State, which emerged from the Syrian civil war, has conquered a swath of Iraq and Syria and governs the region under an extreme form of Islamic law. Thursday, Defense Secretary Chuck Hagel called its threat “beyond anything we’ve seen.”

Many Americans have been troubled by the Islamic group’s military victories, outraged by its atrocities and startled by its ability to recruit fighters from Western nations. The video-recorded beheading this week of journalist James Foley has made some wonder whether the jihad that swept from Syria into Iraq could reach America.

An attack could come later from returning fighters, experts say, or sooner from Americans who’ve never been to the Middle East but are inspired by Islamic State propaganda.

But the thrust of the Islamic State’s polished online recruiting pitch is to come on over and join the fight, not to stay home and plot terrorism.

In videos featuring fighters such as Canadian Andre Poulin, the recruitment message is clear, says John Horgan, a UMass-Lowell expert on terrorist groups: “There’s a role here for everybody.’

Deacon Greg Kandra wrote a post today taken from an interview of a former hostage of ISIS, French journalist, Didier Francois.

Mr Francois was held captive along with Mr Foley. He said that Mr Foley was subjected to beatings and psychological torture, including mock executions. Among other things, his captors made him stand against a wall and pose as if he had been crucified.

According to Francois, “… Foley never cracked, even under the most difficult situations … (he) was one of the pillars of the group.”

Nicholas Henin, another former ISIS hostage, said that Mr Foley escaped briefly, but was recaptured.

Mr Henin’s reaction to the video of James Foley’s murder is exactly the same as mine:

“That is someone, I mean, a real man … Many people would’ve freaked out and (would have been) terrified because he knew very well what was going to happen to him … but he was still standing up, looking forward and speaking with a clear voice.”

At the end of the video of James Foley’s murder, his carefully disguised murderer drug another bound American. Steven Sotloff, into the camera view as if he was a sack of potatoes.

“The life of this American, Obama, depends on your next decision,” he said while he held his helpless captive in front of the camera.

In the context of the speech this murderer was making, it sounds as if he was threatening to also kill Steven Sotloff is America did not stop bombing in Iraq. However, taken in the larger context of what we now know, it sounds as if this was a ransom demand; pay up or we’ll kill this one too.

This is the press conference James Foley’s parents gave after his death. They beautiful, Godly people, an antidote of American goodness to ISIS evil.

YouTube Preview Image

 

 

Archbishop Coakley: Satanists have Returned Consecrated Host

bishop-formal.pngArchbishop Paul Coakley announced today that the consecrated host at the center of the Archdiocese’ lawsuit against a satanic group has been returned.

This happened as a result of a court order issued in response to a lawsuit brought by the Archbishop against the group. The Archbishop filed suit after leaders of the group made a number of comments claiming that they had obtained a consecrated host and planned to defile and desecrate it in a satanic ritual.

Archbishop Coakley expressed continued concern about the “dark powers that satanic worship invites into our community and the spiritual danger that this poses to all involved in it, directly or indirectly.” 

For that reason, he will lead a Eucharistic Holy Hour at 3 pm, September 21 at St Francis of Assisi Church, 1901 NW 18 in Oklahoma City at the same time as the black mass is scheduled to occur. 

Here is Archbishop Coakley’s press release:

OKLAHOMA CITY (Aug. 21, 2014) – Archbishop Coakley announced Thursday that the consecrated Host at the center of a lawsuit filed in Oklahoma County District Court has been returned.

An attorney representing the head of the satanic group presented the Host to a Catholic priest Thursday afternoon. The lawsuit sought return of the Host following multiple public statements by the head of the local satanic group that they planned to defile and desecrate the consecrated Host during a satanic ‘black mass’ scheduled next month in Oklahoma City.

With the return of the Host and an accompanying signed statement from the satanic group leader that the group no longer possesses a consecrated Host, nor will they use a consecrated Host in their rituals, the archbishop agreed to dismiss the lawsuit with prejudice.

“I am relieved that we have been able to secure the return of the sacred Host, and that we have prevented its desecration as part of a planned satanic ritual,” said Archbishop Paul Coakley of the Archdiocese of Oklahoma City. “I remain concerned about the dark powers that this satanic worship invites into our community and the spiritual danger that this poses to all who are involved in it, directly or indirectly.”

Archbishop Coakley has made repeated requests for the city’s leaders to cancel the satanic ritual in a publicly funded facility.

“I have raised my concerns … and pointed out how deeply offensive this proposed sacrilegious act is to Christians and especially to the more than 250,000 Catholics who live in Oklahoma.”

On Sept. 21, the day the satanic ritual has been scheduled, the archbishop invites the Catholic community as well as all Christians and people of good will to join him in prayer for a Eucharistic Holy Hour at 3 p.m. at St. Francis of Assisi Church, 1901 NW 18, followed by an outdoor Procession and Benediction.

“For more than 1 billion Catholics worldwide, the Mass is the most sacred of religious rituals,” the archbishop said. “It is the center of Catholic worship and celebrates Jesus Christ’s redemption of the world by his death and resurrection. We are grateful for the gift of the Eucharist and pray that this threatened sacrilege will heighten our appreciation and deepen our faith in the Lord’s Eucharistic presence among us.”

Richard Dawkins on Down’s Syndrome Babies: “It Would be Immoral not to Kill Such a Baby in an Abortion”

 

I’m not going to say too much about this. It speaks for itself.

Dr Richard Dawkins got into this Tweet exchange earlier this week:

<@InYourFaceNYer I honestly don’t know what I would do if I were pregnant with a kid with Down Syndrome. Real ethical dilemma.

>@RichardDawkins Abort it and try again. It would be immoral to bring it into the world if you have the choice.

That caused a bit of an internet dustup. So, Dr Dawkins clarified things by switching from the impetuous medium of Twitter to a column where he supposedly had more time to think through what he was saying and get it out as he meant it.

Here’s his more introspective take on the question of aborting babies with down’s syndrome.

“For what it’s worth, my own choice would be to abort the Down fetus and, assuming you want a baby at all, try again. Given a free choice of having an early abortion or deliberately bringing a Down child into the world, I think the moral and sensible choice would be to abort,”

…“I personally would go further and say that, if your morality is based, as mine is, on a desire to increase the sum of happiness and reduce suffering, the decision to deliberately give birth to a Down baby, when you have the choice to abort it early in the pregnancy, might actually be immoral from the point of view of the child’s own welfare,”

I only have two thoughts to add to this, and I’ll get through them as quickly as possible.

Thought one: Eugenics.

Thought two: This is where a “morality” based on “the desire to increase the sum of happiness and reduce suffering” leads to: Putting other people out of your misery by killing them.

That’s all folks.


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