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It Costs Too Damn Much! What Is The Better Way?

Ronald Reagan Wisdom Never Gets Old. The Gipper Fixed Airline Travel, Why Not Legal Services?

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Thanksgiving 2021… What Went Wrong?

Gratitude Is Not Only The Greatest Of The Virtues,
But The Parent Of All Of The Others

— Cicero

A Noble Person Is Mindful And Thankful Of The Favors He Receives From Others

— Buddha

Best Of Times, Worst Of Times

In 1863, Abraham Lincoln proclaimed Thanksgiving as a national holiday:

The year that is drawing towards its close, has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature, that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God.

They are the gracious gifts of the Most High God, who, while dealing with us in anger for our sins, hath nevertheless remembered mercy. It has seemed to me fit and proper that they should be solemnly, reverently and gratefully acknowledged as with one heart and one voice by the whole American People. I do therefore invite my fellow citizens in every part of the United States, … to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens.

— Abraham Lincoln, 1863 Thanksgiving Proclamation

So, I guess 1863 must have been a pretty good year, right? Of course, some may remember a certain unpleasantness. Such as 51,000 men killed or wounded at Gettysburg on a few sunny days in July. And then there was the Battle of Chickamauga in September. Only 35,000 killed or wounded under the changing leaves. Even fewer died or were wounded in early May at the Battle of Chancellorsville: a mere 30,000 young men. Dead or maimed. And the year started out the same way, with 25,000 men and boys dead or hurt at the Battle of Stone’s River (Murfreesboro) on New Year’s Day. And for every battle death, 9 or 10 more soldiers and sailors died of disease, over 300,000. And the war and slaughter would continue for another couple of years.

Would it help to give a little perspective? In 1863, there were only about 32 million Americans. Now we have over 332 million. That means, given today’s population, the casualty counts and death tolls would be more than 10 times as great.

2021 Gettysburg: 510,000.
2021 Chickamauga: 350,000.
2021 Chancellorsville: 300,000.
2021 Murfreesboro: 250,000.
With 3 million dead of disease. Think of that.

Yet in 1863, the gratitude was not ironic, or phony, or fake. These were the Americans who sang “The Battle Hymn of the Republic” and meant it. Despite the great national upheaval. Death all around. Future unknown and unknowable. Still, it was America and Americans found time for genuine Thanksgiving.

In 2021, our leaders proclaim… what? Blame? Recrimination? Mandates? Does the solution to our problems really lie in borrowing trillions of dollars from our children and grandchildren?

In 1863, America was in torment. America’s best were busily killing and maiming one another. With new and improved weapons and tactics. Unprecedented and never to be repeated carnage. Why? For a new birth of freedom. To make good the promise of the Declaration of Independence and the Constitution. To atone. To keep the promise.

In 2021, America is in torment. But of a different kind. Yes, inflation is at a 30-year high. Gas prices up 50%. Home heating fuel up 100%. How is any of this good for working families? Who is celebrating?

Does anyone honestly believe riots and bombing small businesses and federal courthouses lead to freedom? Who truly thinks floods of reckless money printing will cure inflation? What fool advocates choking off America’s energy independence and relying on sheiks and commissars to save the planet from… anything? Why has encouragement of division, blaming, scapegoating, and poverty taken the place of grace, goodwill, gratitude, and appreciation? Can you believe that we are being led to peace or justice?

And Yet So Much To Be Grateful For

A deadly disease appears. Mobilization follows. Empty stocks of personal protection equipment are refilled in record time. Ventilators appear on automobile assembly lines. Researchers formulate new treatments and vaccines at (dare I say it?) warp speed. More and better solutions keep coming.

Small business has been decimated. Huge burdens imposed by shutdowns and capricious government orders. But still. There are more jobs at higher wages than ever before. Why isn’t this the best of times? Why are we not grateful? Who benefits from our division? Where is the profit in America’s decline?

Gratitude Is A Universal Value, An Eternal Good

Across cultures and religious traditions, from ancient times, people have given thanks. As Cicero, thousands of years ago, observed, all virtue begins with and flows from gratitude. Let’s not forget that. Ever.

The Blessed One said, ‘Now what is the level of a person of no integrity? A person of no integrity is ungrateful and unthankful. This ingratitude, this lack of thankfulness, is advocated by rude people. It is entirely on the level of people of no integrity. A person of integrity is grateful and thankful. This gratitude, this thankfulness, is advocated by civil people. It is entirely on the level of people of integrity.

— Buddha

Thankful People Are A Blessing To Themselves And Their Families

There is nothing inevitable about losing your home, cottage, business, lifesavings, independence, security. All of that is a choice. Despite what “everybody else” says. For thirty years, people have told me, “I’ve never heard of this before!” “If this is real, why haven’t I heard of this before?” “My lawyer/financial advisor/accountant/tax person/banker/best friend/fill-in-the-blank never said anything like this…”

Well, here you are. So now you know. No excuses. Now it is your turn. To ignore the message. Invite poverty. Or get the freely offered information. To make wise decisions about your life. And that of your loved one.

It is not chance. It is choice. Your choice.
Get Information Now. (800) 317-2812

Life Is The Test… Why Not Win It?

Americans Love A Winner And Will Not Tolerate A Loser.

— George S. Patton

What is so different about you? What enables middle class folks to rise and win, time after time? Facing and beating challenges? At 7 years old, I began helping another kid on his paper route. Lucky for me, there was a block of triple decker houses and Paulie did not like climbing stairs. A few years later, my next younger brother and I had our own route. Hot in the summer. Cold in the winter. Raining or snowing from time to time. On foot.

We did not always whistle while we worked. But the Carrier boys delivered the Evening Bulletin 6 nights a week. And early Sunday mornings, before church, the Journal-Bulletin. You have done the same.

Throughout your life, you took the overtime. The second job. Doing what it took. My weekends at Notre Dame were spent delivering pizza. As a law student, I worked full time on the graveyard shift as a security guard. Just like you. What else could we have done? We had a job. We saw the need. We got it done. We learned it from our folks. After beating the bad guys in WWII, our parents went to work. Dad taught school all day, came home, changed clothes, and put in 8 more hours at the Narragansett brewery. For 16 years. Mom was an RN. After raising 8 kids, she pinned her nurse’s cap back on and resumed nursing.

Details vary, but your family lived the same values. How do I know? Thirty years of talking to and planning for your folks. And you.

These are the times that try men’s souls. The summer soldier and the sunshine patriot will, in this crisis, shrink from the service of their country…yet we have this consolation with us, that the harder the conflict, the more glorious the triumph.

— Thomas S. Paine

And now COVID. The Elder Plague. Death rates: way down. Therapies: better and improving. So much winning. But we are not done yet. COVID is real. COVID can strike close to home.

By a series of commonplace coincidences, a team member tested positive for COVID. Several of us are now waiting on our own test results. We should be fine. Since the beginning, the Carrier Law team has taken every recommended precaution. And come up with a few of our own. Hand sanitizer, videoconferencing, outdoor workshops, social distancing, masks, working from home, plexiglass barriers, ultraviolet lights, temperature checks, screening protocols, Clorox-ing conference rooms, prudent behavior. Not perfect.

Last Friday, I spent a few hours (in the rain) climbing through trees on one of those courses. Team building with several paralegals. Outdoors, yes. Distanced, yes. Wearing masks, yes. Until that triumphant team photo at the finish. Mask off. Picture! Mask on. Well. So now we wait for the test results.

One more thing to be taken in stride. Aren’t we all waiting on “test results”? What will your “Alzheimer’s test” reveal? Of course, there is no such “test.” We find out only as time goes by. With COVID, we face reality, we do not wish it away. Most of us will eventually face dementia. Personally. Not just our spouse or a loved one. Lots of statistics. One bottom-line fact.

The trouble in American life today, in business as well as in sports, is that too many
people are afraid of competition. The result is that in some circles people have come to sneer at success if it costs hard work and training and sacrifice.

— Knute Rockne

We, the middle class, do not deny reality. We accept it, make our peace, and do the best we can. With optimism and good cheer. Lots of critics have lots to say about us baby-boomers.

But all agree that when we see what we want, we go get it. Make it happen. Rejecting the counsels of gloom and doom. With open eyes and stout hearts.

When you are facing long-term care, dementia, end of life issues, there are a million questions and few reliable answers.

Many people, including otherwise competent financial planners, well-known attorneys, and respected members of the community, seem to believe that you should go broke when facing these issues. Maybe they are unaware of the options. Perhaps they are in denial. Is there a moral imperative that you should go broke? Some “experts” seem to think there is.

Americans play to win all the time. The very thought of losing is hateful to americans.

— George S. Patton

Like you, I completely reject the idea that losing is okay. Like you, I believe in winning. We all have challenges and sometimes we do lose. But we never “get used to it.” Why should we? Losing is a bitter pill. I may have to take my medicine, but I do not have to like it.

If you want to go broke, as some folks think you should, you do not need me. The state is very good at making a bonfire of your lifesavings. The state helps only when you comply with their rules. And for most folks, compliance means poverty, insecurity, loss. Unacceptable.

[W]ith firmness in the right as god gives us to see the right let us strive on to finish the work we are in…

— Abraham Lincoln

LifePlanning™ is middle class Michigan’s tool kit for winning. Comply with their rules? Yes, absolutely. If you want to win, you must know how to play the game. Thirty years of study, experience, testing and delivering results have produced the LifePlan™ system. Techniques and tools that preserve, protect, and defend your right to decide how you will live.

You earned that right through decades of work and conscientious stewardship. Isn’t it ridiculous to suggest that impoverishing yourself, your spouse, your family is somehow noble? Isn’t it foolish to reject your own life experience for the defeatist counsels of the “wise”?

LifePlanning™ means your choices matter, whatever the test results. Are you like thousands of Michigan families who played by the rules and earned homes, cottages, farms, lifesavings? Would you like the rules to work for you, for a change? Are you waiting for the test results?

Are you waiting until it is too late? Would you like to know now?

GET ANSWERS NOW… CALL THE LIFEPLAN™ HOTLINE
1-800-317-2812

LifePlan™ Workshops are Available Now: Live, Streaming and Recorded
What could it hurt?

Middle Class Estate Planning

What is so different about you? What enables middle-class folks to rise and win, time after time? Facing and beating challenges? At seven years old, I began helping another kid on his paper route. Lucky for me, there was a block of triple decker houses and Paulie did not like climbing stairs. A few years later, my next younger brother and I had our own route. Hot in the summer. Cold in the winter. Raining or snowing from time to time. On foot. We did not always whistle while we worked. But the Carrier boys delivered the Evening Bulletin 6 nights a week. And early Sunday mornings, before church, the Journal-Bulletin.

You have done the same. Throughout your life, you took the overtime. The second job. Doing what it took. My weekends at Notre Dame were spent delivering pizza. As a law student, I worked full time on the graveyard shift as a security guard. Just like you. What else could we have done? We had a job. We saw the need. We got it done.

We learned it from our folks. After beating the bad guys in WWII, our parents went to work. Dad taught school all day, came home, changed clothes, and put in 8 more hours at the Narragansett brewery. For 16 years. Mom was an RN. After raising 8 kids, she pinned her nurse’s cap back on and resumed nursing. Details vary, but your family lived the same values. How do I know? Thirty years of talking to and planning for your folks. And you.

And now COVID. The Elder Plague. Death rates: way down. Therapies: better and improving. So much winning. But we are not done yet. COVID is real. COVID can strike close to home.

By a series of commonplace coincidences, a team member tested positive for COVID. Since the beginning, the Carrier Law team has taken every recommended precaution. And come up with a few of our own. Hand sanitizer, videoconferencing, outdoor workshops, social distancing, masks, working from home, plexiglass barriers, temperature checks, screening protocols, Clorox-ing conference rooms, prudent behavior.

Not perfect. Last Friday, I spent a few hours (in the rain) climbing through trees on one of those courses. Team building with several paralegals. Outdoors, yes. Distanced, yes. Wearing masks, yes. Until that triumphant team photo at the finish. Mask off. Picture! Mask on. Well. Then we waited for the results. One more thing to be taken in stride.

Aren’t we all waiting on “test results”? What will your “Alzheimer’s test” reveal? Of course, there is no such “test.” We find out only as time goes by. With COVID, we face reality, we do not wish it away. Most of us will eventually face dementia. Personally. Not just our spouse or a loved one. Lots of statistics. One bottom-line fact.

The trouble in American life today, in business as well as in sports, is that too many people are afraid of competition. The result is that in some circles people have come to sneer at success if it costs hard work and training and sacrifice.
– Knute Rockne

We, the middle class, do not deny reality. We accept it, make our peace, and do the best we can. With optimism and good cheer. Lots of critics have lots to say about us baby-boomers. But all agree that when we see what we want, we go get it. Make it happen. Rejecting the counsels of gloom and doom. With open eyes and stout hearts.

When you are facing long-term care, dementia, end of life issues, there are a million questions and few reliable answers. Many people, including otherwise competent financial planners, well-known attorneys, and respected members of the community, seem to believe that you should go broke when facing these issues. Maybe they are unaware of the options. Perhaps they are in denial. Is there a moral imperative that you should go broke? Some “experts” seem to think there is.

Americans play to win all the time. The very thought of losing is hateful to Americans.
– George S. Patton

Like you, I completely reject the idea that losing is okay. Like you, I believe in winning. We all have challenges and sometimes we do lose. But we never “get used to it.” Why should we? Losing is a bitter pill. I may have to take my medicine, but I do not have to like it.

If you want to go broke, as some folks think you should, you do not need me. The state is very good at making a bonfire of your lifesavings. The state helps only when you comply with their rules. And for most folks, compliance means poverty, insecurity, loss. Unacceptable.

[W]ith firmness in the right as god gives us to see the right let us strive on to finish the work we are in…
– Abraham Lincoln

LifePlanning™ at Carrier Law

LifePlanning™ is middle class Michigan’s tool kit for winning. Comply with their rules? Yes, absolutely. If you want to win, you must know how to play the game. Thirty years of study, experience, testing and delivering results have produced the LifePlan™ system. Techniques and tools that preserve, protect, and defend your right to decide how you will live. You earned that right through decades of work and conscientious stewardship. Isn’t it ridiculous to suggest that impoverishing yourself, your spouse, your family is somehow noble? Isn’t it foolish to reject your own life experience for the defeatist counsels of the “wise”?

LifePlanning™ means your choices matter, whatever the test results. Are you like thousands of Michigan families who played by the rules and earned homes, cottages, farms, lifesavings? Would you like the rules to work for you, for a change? Are you waiting for the test results? Are you waiting until it is too late? Would you like to know now?

GET ANSWERS NOW… CALL THE LIFEPLAN™ HOTLINE
1-800-317-2812

Is This a Time Like No Other?

You may wonder what is going on. Why have governors, mayors, city councils betrayed the people? Did you suspect the cowardice now on display? How can months of rioting be condoned? Are robbery, murder, assault and mob rule “what democracy looks like”?

Almost 200 years ago, our nation faced similar issues. Mob rule replaced representative democracy. Murder, by hanging, burning alive, shooting, in the name of justice, “pervaded the country, from New England to Louisiana…” In January 1838, a 28-year-old lawyer confronted these problems. The lawyer’s name was Abraham Lincoln.

America Must Live Through All Time Or Die By Suicide

Lincoln acknowledged that no foreign danger could threaten the United States. “All the armies of Europe, Asia and Africa combined, with all the treasure of the earth… could not by force, take a drink from the Ohio, or make a track on the Blue Ridge, in a trial of a thousand years.”

Lincoln saw that risk comes from within. “[Danger] cannot come from abroad. If destruction be our lot, we must ourselves be its author and finisher. As a nation of freemen, we must live through all time, or die by suicide.”

Although painful to admit, Lincoln observed that “Accounts of outrages committed by mobs, form the everyday news of the times. They have pervaded the country, from New England to Louisiana…” “[B]y instances of the perpetrators of such acts going unpunished, the lawless in spirit, are encouraged to become lawless in practice; and having been used to no restraint, but dread of punishment, they thus become, absolutely unrestrained.” Isn’t Lincoln describing Seattle, Portland, Kenosha?

Lincoln’s fundamental truth: “There is no grievance that is a fit object of redress by mob law.” Anyone who says differently is selling something.

Lincoln Foresaw Today’s Situation

Lincoln observed that “whenever the vicious portion of population shall be permitted to gather in bands of hundreds and thousands, and burn churches, ravage and rob provision-stores, throw printing presses into rivers, shoot editors, and hang and burn obnoxious persons at pleasure, and with impunity; depend on it, this Government cannot last.”

How can today’s politicians excuse their craven cowardice? Betrayal of middle-class Americans, whether 160 years or 3 months ago, has the same disastrous consequences. They cannot claim ignorance. Why have they abandoned their oath to preserve, protect, defend?

The Solution

Lincoln did not despair. He conceded the glamour of violence. He saw the selfish ambition of those who “thirst and burn” for fame. Our hope, Lincoln said, is that “the people [stay] united with each other, attached to the government and laws, and generally intelligent, to successfully frustrate” the “mobocratic spirit.”

We have faced down enemies, foreign and domestic, before. We can do so again. Not by meeting violence with violence. But by steady devotion to our great nation and the rule of law. Do not despair, persist.
Note: All quotes from Abraham Lincoln, The Perpetuation of Our Political Institutions: Address Before the Young Men’s Lyceum of Springfield, Illinois, January 27, 1838

Client Success Stories…

We were very happy with the information at the workshop on Estate Planning [LifePlan workshop]. Amanda was very helpful in explaining the options we could choose from to protect our assets from excessive taxes.

All questions were answered in depth and in a manner that was very understandable. I left feeling confident that we can contact them at any time for help navigating the system.

The staff are incredibly professional. My mother was treated with utmost respect. Her paperwork was organized and concise. I dealt with David and Jim and they spoke in terms my mother and I could understand.

I was totally lost when my husband’s dementia got bad. David and his group helped me feel in control again. They are there to help me whenever I need them. I should have done this sooner.

Perfect balance of pleasant and professional. Starting with workshops with targeted info, to chit chat with David (and all the staff we met) – great experience. Thank you!

My husband and I just returned from your workshop in Portage…We are so pleased we attended and came away with so much information and insight. The workshop was well organized, well presented and your staff was wonderful. Patrick made things fun, and as he promised, the time flew by. Thanks you again for 2 very well spent hours.

Donna & Stephanie are extremely professional, on top of everything, friendly and just a joy to work with. Very prompt on phone calls, emails, etc. I am very thankful for these two people!

We have been extremely pleased with the professional service of David and the staff. It has been a pleasure working with everyone to make sure our future is secure. David was also very helpful finding an out of state attorney to help our parent’s address their Elder law needs.

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