Sunday, December 29, 2013

Deep Risk; Deep Do Do!!

Deep Risk; Deep Do Do!!

What is risk?
·         A four letter word (that doesn’t begin with ‘F’)?
·         A game by Parker Bros?
·         Not achieving the expected outcome/goal/objective?
·         The probability of not achieving expected outcome/goal/objective?

Furthermore, how is uncertainty different than risk?

Whereas risks are known and may, within some variance, be measured and with some semblance of probability, uncertainty is, as Donald Rumsfeld best stated, the unknown, unknowns.’

All is ephemeral (also translated as ‘vanity’)

Man, fearing extinction of sense of self (overwhelming identified with the body), seeks to alleviate risk and uncertainty (in futility) trying to ‘insure’ permanence, continuity and certainty – PERIOD – through acquisition.

Insurance is a tool of acquisition to minimize risk. Plain and simple, insurance is the transference of some degree of risk. PERIOD. Insurance is based on taking a smaller certain loss to prevent a much larger risk. (Note, though rated AAA+ by ‘so called independent insurance rating agencies,’ Mutual Benefit Life, New England Life, Confederation Life all constructively went under.’).
Traditionally and theoretically, the personal financial life planning process  is one of prioritizing and aligning one’s resources and risks to ‘insure’ or increase the probability of making the expected outcome (the expected goal).  However, as the French (frogs) say, ‘that’s all well and good in reality, but how about the theory?
The reality is quite the opposite given:

·         the ‘more’ cultural categorical imperative override derived from the prime mobile of ‘acquisition,
·         ‘the sub derivative reality that the client seeks ‘more,’ regardless of lip service to the opposite
·         Overwhelmingly, planner compensation is based to assets under management or commission

Thus, given the above, the more, more more context & consequential more-onic thinking is compounded and becomes normative by comparison, rationalization and justification superseding, overruling, & countermanding assertions of the process.
Regardless, of the distinctly different platforms of more or enough, there has been a general acknowledgement of the following risks (though not all inclusive) relative to ‘more’ or ‘enough’ orientations. The relative degree of  each  of the following ‘risks’ has been further classified as either ‘shallow’ or ‘deep’  by author William Bernstein

·         Market risk
·         Reinvestment risk
·         Liquidity risk
·         Business risk
·         Tax risk
·         Interest rate risk
·         Concentration risk
·         Job/Career risk (1)
·         Inflation risk (purchasing power risk)
·         Deflation risk
·         Currency risk
·         Political risk

What has changed as a consequence of cultural shift towards entitlement,  grievance card industry membership, taking not making (you didn’t build it), and redistribution (theft renamed) in the name of ‘fairness’ by Animal Farm (2) Fairisses, are two shallow risks that have become potentially deep risks  and more probable:

·         Confiscation risk
·         Devastation risk

True, devastation can come from natural disasters (hough many would classify the so called phony scandals of ‘IRS targeting conservative groups, Benghazi, and Obamacare as a man made devastation disasters. But the confiscation risk potential disaster is sequentially front and center. Yet, it is barely noticeable as the  left continues to lull to sleep the country (regardless of ‘duck’ calls’ analogous to the story of the frog in the kettle:

If you drop a frog in a kettle of boiling water it will jump out immediately in reaction to the pain. On the other hand, if you put the frog in water that is room temperature, slowly heating it, the frog will remain in the kettle and eventually cook to death.

So deep confiscation risk starts with slowly but sequentially increasing the temperature:
·         Ignite with  ‘hope and change’ (even if hoax and chump change),
·         Boost the temperature with a stimulus  (that wasn’t shovel ready) and a summer of job (that didn’t occur)
·         Increase temperature with envy  having upper income ‘folks’ pay  ‘little bit more’ to ‘spread the wealth’
·         Fuel the coveting by raising income taxes on ‘the rich’ (even though 46% pay no federal income tax), and 3.8% redistribution tax again for upper level income people for Obamacare,
·         Heighten the flame with heated class warfare rhetoric (even though the income inequality gap has become greater despite the above and because of the above) calling makers takers and ‘you didn’t build it’ in reaction formation
·         Turn on the after burners intensifying the income inequality pitchfork teleprompter reading while dousing and marginalizing equality of opportunity.

And thus, the frog croaks in the deep do do sleep of confiscation risk – without even singing polliwog a yank(eed) my doodle all the day.

Man is asleep

Remember Confiscation risk next election.

1.-  Each job (employed source of income) has a ‘beta’ (a volatility). Most doctors income (pre-Obama) has a low beta/volatility factor whereas those in sales (for example real estate which is highly dependent on interest rates) has a much high volatility to their income.
2.- “All animals are equal, but some animals are more equal than others” akin the smug elitist so called egalitarianism of SP’s (secular progressive collectivists).

Tuesday, December 24, 2013


Why ENOUGH (sm) Is Never Enough

Today, of Americans officially designated as ‘poor,’ 99% have electricity, running water, flash toilets, and a refrigerator; 95% have a television, 88% a telephone, 71% a car and 70% air conditioning, Cornelius Vanderbilt had none of these.
The Rational Optimist by Matt Ridley

            As a puppy when playing fetch with both Moses (my male standard poodle who graduated in May of 2013), my female standard poodle -Her Royal Highness (Goodie) - wasn’t satisfied with just her ball – she wanted Moses’ ball despite her inability to hold  both tennis balls in her mouth simultaneously. The result, her Majesty wound up holding neither. (Simcha ((my 7 month old standard poodle puppy)), momentarily, tried this feat – but gave up on it after one afternoon – satisfied with one tennis ball to play with or puncture at a time.)

            It seems no one is “happy” (as in satisfied or flourishing (1)) with one tennis ball and no one has ‘enough.’ There is never enough.

            How come?
            Two previously stated reasons: the soldering of defective premises of acquisition (and it’s derivative more) and happiness.

(More) …It’s the oldest established permanent floating crap game
Guys & Dolls

            First, fearing extinction of ourself (which we identify(2)) of our physical body), man’s preferred strategy to secure permanence, continuity, certainty (immortality) is acquisition. (Note: acquisition in Hebrew is ‘cain.’ And yes, this is the same ‘cain’ as in Cain & Abel as well as the metaphorical reference per the Orson Wells’ classic movie titled ‘The Citizen Kane’). The derivative of acquisition is ‘more.’ The irony, is ‘more for more’s sake” manifesting itself as ‘more, better, now’ has a habit of becoming ‘less, worse, later.’ As e.e. cummings wrote, ‘more, more, more, what are we all morticians?’ and Edward Abbey noted, ‘growth (more) for growth’s sake is the ideology of a cancer cell.’
            Nevertheless, we pursue ‘more’ (two tennis balls) Fast & FUR-iously for ‘happily ever after.’

            Secondly, implicitly and explicitly, is the mirage that getting more – securing more – acquiring ‘more’ will yield enduring happiness. Yet, ‘more’ neither yields certainty, permanence, continuity let alone happiness. Happiness is but a temporary palliative relative comparative state (to others) requiring increasing dosages of more to fuel the hamster hedonic treadmill. To paraphrase an H.L. Mencken anecdote: ‘happiness in my husband making $100 more a week than my sister’s husband.’
Happiness (itself and or promised by the acquisition of more) is an illusion. Happiness is Disneyland packaged  and promised by advertising to solve one’s ‘lack, not enoughness, defectiveness.’ While Disneyization sells ‘happily ever after,’ (which is more) as Tom Hanks and that perky Meg Ryan become now and forever in You Got Mail, advertising pitches ‘more’ as the answer to ‘the dissatisfaction & lack’ yielding sex, status, and eradicating one’s zits (literally and figuratively).

Grabbing too much winds up with nothing
Rabbi Akiva

            Given Ecclesiastes ‘all is ephemeral,’ the pursuit of certainty, continuity, permanence’ via acquisition and it’s derivative more compounded with the additive promise of happiness neither yields immortality nor ‘happiness’ - nor can it. If anything, seeking ‘more for more’s sake,’ more to avoid ‘what next in one’s life,’ or more out of comfortable acculturated habit and hardwiring is never enough and never yields enough.

There are no solutions only tradeoffs
Thomas Sowell

            What are potential tradeoffs to the delusion of ‘more’ and illusion of happiness?
            Relative to happiness:

·         it is better to seek equanimity (rising above the good and the bad)
·         to seek, find ,discover, rediscover “flow in”  one’s life whereby competency meets challenge and time ‘flies’ while ‘engaged.’
·         find, discover, rediscover not the meaning OF life but rather meaning IN one’s life to flourish and ‘flow’ toward
·         akin to abstaining from cookies while losing weight, go Disney Hallmark Channel free (like gluten free) and the Hallmark until you lose the illusion of happily ever after and rich & happy forever

Relative to disassociating from More

·         know what ENOUGH is – really
·         want what you have
·         seek equanimity rather than than ‘a hit of more’
·         find one’s flow (see above) to engage and flourish
·         find, discover, rediscover meaning IN one’s life
·         re-member materially you are better off than Vanderbilt
·         most certainly have dogs in your life

Notwithstanding  the above most will still attempt to get both tennis balls in their mouth, anyway – as ‘enough’ takes ‘balls.’
1.- flourish is another name for ‘flow’ whereby one is engaged as challenge meets competency and ‘time flies.’
2.-  our identification, despite denials otherwise, is ‘being through having’ (and ‘more’ having is ‘more’ being – cumbaya.)

Sunday, December 15, 2013

The Story of The Black Sheep & More

The Story of The Black Sheep & More

Grabbing too much winds up with nothing
Rabbi Akiva

            Most interpreters of the story of the black sheep story come to conclusion that the black sheep was ostracized, removed, banished, expelled,  and or rejected.
             Au contraire, mon ami, Francois.
The black sheep knew that the farmer’s good care and feeding wasn’t out of the kindness in his heart, but rather to fatten up the sheep for thicker lambchops (sans Shari Lewis and Charley Horse) increasing his compensation at slaughter.
            Rather than waiting for the inevitable, the black sheep choose escape (with the further secondary gain of not having to endure his sheepish relatives including Pearl Schwartz & Cousin Junior at “Passover”.)
            Therefore, the black sheep – rather than being an outcast – proactively took it on the lamb as he ‘knew more would be less – the end of him’ unlike the ‘more-on’ mutton heads who remained.
            This black sheep was no Pascal lamb.

The Ultimate 'MORE'

The Ultimate ‘MORE’ for MORE-ONS in 6 words:
 plenty of nothing you haven’t got.

Thursday, November 28, 2013

Joseph's Dreams & Wall Street: Plumped Must Dump

Joseph's Dreams & Wall Street: Plumped Must Dump

Suddenly, 7 fat handsome cows emerged from the Nile…The, just as suddenly, 7 other cows emerged after them, very badly formed and emaciated…The emaciated bad cows proceeded to eat the first 7…They (the 7 fatted cows) were completely swallowed by the (emaciated cows)…The (emaciated) cows looked just as bad as they had at first.
Pharaoh relating his dream to Joseph, MiKetz 41:18-21

            And thus the germination of the first Adkins’ diet.

Don’t have a cow
Bart Simpson

            The Wall Street trading adage ‘bulls make money, bears make money, pigs make nothing’ omitted  ‘plump and dump’ relative to cows and first wives “plump must dump’ every 7 years or so. Extrapolating there is the K9 modified adage, ‘pump, hump and dump’ but that’s another story.

Please God let there be another Oil Boom I promise not to piss it all away next time.

1980’s Saying


            The 7 Fatted and 7 Emaciated cows is also a story of More vs Enough.


Money is merely a store of value. Money is goods and services. In 2007, 80% hamburger was about $1 a pound at Albertson’s (I know, I would wait for sales to buy for my dogs) Today one is lucky if on sale the hamburger is $2.49. Thus, $1 in 2007 bought 1 pound and in 2013, $1 buys 6.4 ounces! (The overall consumer ((misleading)) price index be damned)

It took the Nasdaq index 13 years to hit 4000 again. Taking a 3% compound inflation rate into account, today’s Nasdaq 4000 is really is 2724. On October 1, 2007, the Dow Jones Ave was 14087.55 on 10/1/2007 it took till 03/01/2013 for the Dow Jones to reach 14089.66 meaning a nominal rate of return of almost 0% for 5 years and 5 months to reach approximately the same level. However, factoring in a 3% inflation – the real Dow Jones Average was on 03/01/13 was 11,974!. And at today’s Dow Jones Avg of 16094 on 11/27/13, the nominal rate of return from 14087.55 on 10/1/2007 is 2.18%. Taking out inflation, one lost almost 1% per year not including the stomach churning and probable whip lash losses when  the market went down to 6594.44 on 3/5/2009

            We confuse the nominal – the fatted with the real – often the emaciated – and get slaughtered – plumped and dumped.


            Still we seek More – thinking the fat will continue – and despite past assertions promising not to piss it away – this time.

            And so The Pharaohs & today’s redistributive confiscating in the name of social justice Fairesses prey on emaciated times with the promise of hope and change which is really hoax and chump change.

            Result – artificial stock market ‘nominal’ highs – pumping up the fatted cows with steroidal low interest rates. With these artificial counterfeit low interest rates, the money flows to the prettiest horse in the glue factory – the stock market or under the mattress and the fatted cow retains water a ticking time bomb for angioplasty or heart replacement (and Obamacare statins won’t help from these Pennsylvania Ave emaciated cows telling you to eat your veggies while they eat crème brulee.)

            Plumped and Dumped!


            “There comes a point in every man’s life when has to say; Enough is enough,” said Lance Armstrong proving Adlai Stevenson’s theory, “it is often easier to fight for principles than to live up to them.”

            If one wants to minimize the risk of the 7 years of famine – the 7 emaciated cows – going on the Adkins diet – the question is not ‘how did I do relative to the Dow, which stock – which bond should I buy?’ The question is ‘what is enough’ regardless of those apparently never ending halcyon years – after tax, after inflation in real terms of goods and services (how much hamburger $1 can buy).

            And Cowabungle, Buffalo Bob – that’s the Holy Cow!

            Period! (unlike emaciating Obama Unaffordable Care-less.)


He who knows he has enough is rich.
Lao Tzu

Wednesday, October 2, 2013

The Personal Financial Planning (Non) Philosophy of 99.9999% of All Personal Financial Planners

The Personal Financial Planning Philosophy of 99.9999% of All Personal Financial Planners = MORE
(Written to A Personal Financial Planner who asked for 'others' personal financial planning philosophy relative to annuities, and other other products and investment approaches. This planner confuses tactics with philosophy - content with process - which is 99.999% typical)

The unsaid reality - reflective of the culture & probably genetics - of  -99.999% -of all - YES ALL - personal financial planning firms - despite assertions otherwise - and irrespective of compensation method - is MORE. Oh it may be euphemized spun - or rationalized in the cloak of life planning (see my writings prior to all 'the so called personal financial life planners' etc going back to 1977) but the philosophy is MORE.

And here is 'an' explanation - not 'the explanation' of my assertion.

Man fears his physical extinction which he identifies as himself. This goes back to the story of Cain and Abel. Cain, and, in Hebrew means Acquisition. (Think about it: was The Citizen Kane - the choice of the name Kane - a coincidence?) In any event, acquisition (be it money, fame, etc) is the primary strategy to delude or palliate ourselves from the inevitable. The main derivative of acquisition/Cain is MORE.

Now what does advertising reflect - (the 100's of thousands messages)? More - dissatisfaction  you are not enough - or More to have enough. And the word satisfaction is derived from the Latin 'satis' which means 'enough.' So dissatisfaction is 'not enough' and therefore the need for MORE. And, think back to the words that are adjacent to a mere 'C' on a report card ---- satis-factory. Enough isn't enough.

Thus, the cultural backdrop - is MORE, MORE, MORE (derived from acquisition) to palliate fear of physical extinction which many most take as their being (irrespective of soul talk)

Accordingly, MORE, Better, Now has a habit of becoming Less, Worse, Later and 99.99999% of personal financial planner's and their philosophy implicit, explicitly, in denial or not - is about MORE. Ironically from a pun standpoint, planners are  MOREons (especially the so called life planners many of whom are just using life planning ((yakedy yak)) to hold their AUM margins via being a best friend.

Before you (the planner whom this was written to) reject this as out of hand, as over generalization - let the above sit awhile - before just rejecting or minimizing via confirmation bias.

Sunday, September 22, 2013

The Genetic Hardwiring of 'More' vs Free Will?

The Hardwiring of ‘More’ vs ‘Free Will’?  

Growth for growth’s sake (more for more’s sake – jds)  is the ideology of the cancer cell
Edward Abbey

            Identified with his body as his ‘sense of self,’ man’s primary strategy (delusional as it may be) to overcome this fear of bodily extinction of his sense of self seeks continuity, permanence, certainty or at least palliation through the strategy acquisition (the Hebrew for which is Cain as in Cain and Abel). The primary derivative of acquisition is ‘more.’
            Thus, if not genetic, more is certainly hardwired and reinforced by the acculturation of ‘more, better, now’ (regardless of economic system). 50,000 -100,000+++ messages a year bombards man in the media relative to ‘dissatisfaction’ – not enough – he or she isn’t enough – and therefore needs more. Compounding the bombardment is comparison as a basis for one’s worthiness – be it how man A’s, how one did relative to the Dow, etc – but in any case being more than ‘the other’ by us –  is the standard of excellence and worthiness.
            After 40+ years of writing, lecturing, consulting on enough versus more, I’ve come to the conclusion that the more genetic hardwiring predisposition reinforced by the Moreon culture cannot be solved or cured.  Rather more can only be postured relative to enough in a dialectic of tension – recognized and managed. At best, intermittently more goes into remission (usually in down markets) when, in fear, one hears ‘if it comes back, I won’t piss it away this time, I just want enough). Of course, once the market turns, there is reversion to more –‘which stock or bond should I buy’ (managing assets relative to external indexes) rather than internally managing goals (regardless of external indexes).

I have met the enemy and the enemy is us

            The enemy of enough is us – moreons – and the battle with the culturally reinforced inclination/predisposition – even with internalization of enough – is non ending for us Cain-inites.

Tuesday, July 30, 2013

The Rolling Stones, Satisfaction & Enough

The Rolling Stones, Satisfaction & Enough

I don’t get no
No, no, no…
No satisfaction
Mick Jagger, The Rolling Stones

In Hebrew, “dai” means ‘enough.’ The third or fourth name given to God in Genesis is Shaddai. And Shaddai, one of 100+ words relative to relation with God, means God, God Almighty, all sufficient, enough. (There is no direct word for God meaning More).
Now in Latin the word ‘satis’ as in satisfactory also means ‘enough.’ Yet, satisfactory and enough, unlike in Latin, are not synonymous in Hebraic meaning or Judaic intention.

Enough to live on; Enough to live for


One who has 100 wants 200
Kohelet Rabbah 1:34

From a Torah perspective Enough is relative to Lack/Need whereas To satisfy is about Wants/Desires.  Enough is about ‘gottas’ whereas satisfy is concerned with ‘oughtas and nicetas’ (regardless if one thinks ‘oughtas’ and ‘nicetas’ are ‘gottas/absolute requirements for living.’). Given the Hedonic Treadmill (1)– in satisfy there is no satisfied.
From the Judaic perspective, El Shaddai, enough, provides needs - what is lacked by man to facilitate man’s purpose to continue to complete his character/soul incompletions and creation (2). Shaddai  does not provide ‘to satisfy’ the never ending wants and desires of man..
Judaically, therefore, Enough is about betterment whereas satisfy is about bettering (if onlys) or bettering relative to or than others (more, more, more) which ironically is never enough (regardless of temporary altered state and spike in the homeostasis of the hedonic treadmill).
            In relationship to Shaddai, theoretically as Jews we are to seek to become ‘betterment’ in character, deed and behavior through adhering to God’s values rather than Shaddai providing the winning ticket, the only if only, or ‘the one.’
          Enough and enoughness may enable the inside out job of completing (2); more’s satisfaction is an outside in validating confirmation and endorsement.
            The ‘enough is to live on and enough to live for’ is not for satisfaction (which is never enough nor ever satisfied.)
            Maybe that’s why age 70+ Rolling Stone Mick Jagger continually wails, “I Don’t Get No Satisfaction.’
1.- Hedonic Theadmill – the theory that humans continually adapt to bad and good circumstances and return to relative neutrality in time. Example: taking a woman a second time to Hawaii (ho-hum – been there, done that, have the tee-shirt).
2.- Continuing to complete our incompletions through character building tests (spiritualizing the material; materializing the spiritual) to earn the return for the connection, alongside with or within for continuation

Friday, June 28, 2013

Judaic Financial Life Planning: Evolution of ENOUGH(sm)

Judaic Financial Life Planning: Evolution of ENOUGH(sm)  
July 19, 2009 update June 25, 2013

So you’re going to be a financial planner? You’ll be in ‘the more business. And e.e. cummings said, ‘more, more, more – what are we all morticians?’
 Rudy Withus, former philosophy teacher at the University of Denver, to Jim Schwartz

Evolution of ENOUGH(sm):

            Over close to 40 years, my definition of ENOUGH(sm) has evolved. Originally, ENOUGH(sm) involved the application of business planning techniques (management by objectives, Kepner Tregoe decision analysis, etc) to personal resources to achieve financial and life goals (materializing the material). As my Judaic understanding of Original Incompletion (1), Chalik (2), Shomer Tov (3), Shalom (4) & ANYWAY (5) has changed, ENOUGH(sm) has evolved to healing personal financial anxiety, putting money in its place to connect and transcend towards one’s signification (spiritualizing the material). By definition the evolution has been:

·         ENOUGH(sm): clientele realizable goal determination coordinated with orderly plans for the desired payoffs via personal financial planning by objectives (1977)
·         ENOUGH(sm): the alignment of personal resources (including money, time, skills) to achieve life goals and values via the process of ENOUGH(sm). (1992 or so)
·         ENOUGH(sm): healing personal financial anxiety via aligning personal resources with life goals and values thus facilitating transcendence toward signification (meaning In one’s life). (1998-2009)
·         ENOUGH(sm): healing personal financial anxiety, putting money in its place (enough to live on, enough to live for) to connect and transcend towards one’s signification (spiritualizing the material) (2010-)

(2013) ENOUGH(sm):
Healing Financial Anxiety, Puttin’ Money In It’s Place  To Connect & Transcend Towards One’s Significance

Healing Personal Financial Anxiety:

In the beginning’ (of my fee only personal financial life planning practice) was the ENOUGH vs MORE dialectic. This ENOUGH vs MORE duality developed into a continuum whereby MORE was at one end and Tightwaddery (6) was at the other and Relative ENOUGH was ‘the golden mean.’

MORE----------------------(Relative) ENOUGH(sm)--------------------Tightwaddery

 At the primal raw emotional level, both ‘MORE’ and ‘Tightwaddery’ ends of the spectrum are fear driven.  To palliate this trepidation of physical extinction, MORE’s principle policy is acquisition in the desire, at a minimum, to temporarily calm and pacify the fear of mortality – the LACK of immortality. Tightwaddery soothes its fright and dread  through hoarding and minimalism to combat ‘the Minus Touch.’

My original approach to ENOUGH(sm) was relative: one man’s floor is another man’s ceiling. The problem with the relative ENOUGH(sm) is continual moving of the floor and ceiling (in the name of ‘home improvement’) but in reality in comparison to others and self worthiness.

Puttin’ Money In It’s Place

‘enough to live on; enough to live for’

Relative ENOUGH(sm) has evolved to ‘Chalik ENOUGH(sm)’. The Judaic concept of Chalik, focuses inside out - developing one’s portion – internally relative to oneself rather than externally to others. When Chalik is aligned with ENOUGH(sm) – Chalik ENOUGH(sm) becomes ‘enough to live on, enough to live for’ and continuum of ENOUGH becomes:

‘Relative ENOUGH(sm)’--------------Chalik ENOUGH(sm)-------------Frugality Enough

My ‘Dogged’ Judaic spiritual path redirected the definition of ENOUGH(sm) to the further assemblage with the concepts of Shaddai (the third word for God in the Torah), Shomer Tov (The Good Guardian) and Anyway. In combination, the impact of these concepts further elevated ENOUGH(sm) from implicitly materializing the material to materializing the spiritual and spiritualizing the material as well. And, in particular, the emergence of ‘Original Incompletion’ in my thinking as  the overriding life lense/heuristic (as opposed to Original Sin, Original Dreck, or Original Innocence/Goodness), reinforced the Shomer Tov/ Tikkun Olam (7) components of ENOUGH(sm)’s purpose (8): the potential of assisting  the ‘connection’ (or re-connection) & transcendence to one’s signification (‘why I am’)).

To Connect & Transcend Towards One’s Significance

 Per Rabbi Mordecai Twerski - Shaddai (one of the first three of four words for God in Genesis) means: ‘God, God Almighty, God all sufficient, enough.’ While there are ‘more’ than 100 words in Hebrew denoting God and or relationship to God, there is no word for MORE that denotes God. Is this fact mere happenstance or ‘God winking?

This land is mine. You are but wayfarers

Shomer Tov (the Good Guardian) recognizes that man doesn’t ‘own’ – at best, he leases -having assets in his caretaking during his short visit on earth. Thus, the concept of ownership as defined as “I can do what I want, when I want, how I want within the law”- is a false premise. Furthermore, the Shomer Tov has the duty and obligation of taking on liability for the assets in his care. Thus, the Shomer Tov -,rather than being an Owner – having ‘Ownership’must ‘own UP’ to the assets under his temporary caretaking. And if one is blessed with ‘enough’ or more than ‘enough’ in his caretaking, his role is Shomer Tov and even a “distributor for the community.”

Original Incompletion & Tikkun Olam

Each man must see himself as the entire world, held in balance, and his single act of deed can tip the scale.

Inside out, by example

Original Incompletion is an assignment: continuing to complete one’s soul curriculum to earn an MFA (Master of the Fine Soul). (9) Original Incompletion is sans the implicit wayward, mistaken, defective, deficient, and or evil of Original Sin, Original Dreck/Defectiveness, or the fantasy of original Innocence & Goodness instead focusing on assignment.
Original Incompletion is a process of refinement, rediscovery but also repair and or restoration. This repair – Tikkun (in Hebrew)– however, is externalized as an effect of internalized refinishing and correction unlike the Tikkun Olam hijacked today which is ‘OUTRreach to avoid reaching in.’ This Tikkun Olam is INreach – for connection and transcendence to significance “why I am.” Thus, in completing one’s own incompletions – developing one’s chalik, internalizing Tikkun Olam -one becomes an example as as a result fixes this world in some small measure manifesting one’s significance.


Shalom not only means ‘hello, goodbye and peace’ but also ‘payment, completion.’ Thus, there is no peace, no completion without payment. How can there be Tikkun Olam without Shalom? How can there be Shomer Tov without Shalom? How can there by continuing completion of one’s incompletions without payment nor without the reciprocity of Shalom – the Shalom currency? Sans Shalom of payment for completion – things eventually cease – end. Without Shalom at the extreme, there excuses and  rationalizations in the name of ‘fairness’ for theft, confiscation, stealing, and exploiting euphemized as entitlement in the name of victimhood. Without Shalom merit devolves to quotas, disparate statistics, redistribution – larceny by any other name – the seeking of ‘more’ at the expense of others’ ‘enough.’
Implicit to ENOUGH(sm) in assisting connection and transcendence to signification is meritorious Shalom


ANYWAY offsets the predictable disappointment in others and the consequential waterfall of skepticism, cynicism, & nihilism. Let’s face it both Rabbis Shammai and Hillel agreed that man should not have been created. (While agreeing, Hillel believed to paraphrase ‘that man was here anyway, so let’s work with him.)’
The key word is ANYWAY.
Unlike external validation depending recognition and approval, ANYWAY’s validation (other than God) is an internal scoreboard. ANYWAY assumes ‘from the get go’ no good deed will go unpunished. ANYWAY complements Shomer Tov, & Shalom via internal scoring (relative to one’s Chalik) inoculating one from external comparatives of having to be ‘more than.’ ENOUGH(sm) is just a funding mechanism – enough to live, enough to live for, Anyway

ENOUGH & What Next– The Soul Resume

            ENOUGH(sm), again, is but a funding mechanism. ENOUGH(sm) ‘may’ assist/enable the connection and transcendence to one’s signification. The emphasis is on ‘may’ as in might, could, possibly, with a greater probability, or potentially.
            The ‘may’ is a function of God’s will and man re-discovering, intentionally striving towards his ‘why I am.’
            The ‘why I am’ inherently is about meaning – not the meaning OF life but meaning IN one’s life.

            Other than ‘the fear of outliving one’s money (current currency),’ if not culturally habituated to more for more’s sake and having & understanding ‘enough,’ the problem for most 50+ -  enough is the question of ‘what next.’ Typically, ‘what next’ is sometimes manifested with the phrase ‘making a difference’ which conceals the real question of meaning.
            The Personal Prospectus exercises in the original ENOUGH(sm) process with a vocation/avocation emphasis resulted in the following outputs (results):

·         A Life Line of achievement, failures, regrets, decisions (as well as choices not made and the pattern they yielded) and future choices
·         Values quantified and prioritized relative to life choices
·         A Mission defined as well as defining what The Mission is not
·         An empirical snapshot of money choices

Given ‘what next’ more and more confronting those 50+ and the spiritual emergence of the ENOUGH(sm) process, the Personal Prospectus has evolved into The Soul Resume™ Judaic Version 1.0.
Through a series of exercises in workbook form, one creates the data base not only for ‘what next, making a difference, finding meaning IN one’s life,’ but in doing so one creates an admission application/resume to answer the question, ‘why should I be admitted into Olam Haba (The World To Come)/Heaven?’ to reflect upon.
Essentially The Soul Resume© Judaic Version is the ‘what next’ stepping stone workbook from ENOUGH(sm)’s Personal Prospectus.
So – COMING SOON –(hopefully just the first in a series):

( Not for Dummies™)

ENOUGH(sm) said – for now….

1.      Original Incompletion – man’s role is to complete his incompletions to refine and refinish to earn his return (Teshuvah) to Hashem--- as well as box seats versus being in the bleachers in the World to Come
2.      Chalik – one’s ‘portion’ to develop relative to himself rather than in comparison with others. The competition is one’s own development of their ‘chalik.’
3.      Shomer Tov – the ‘good guardian’
4.      Shalom Currency – Shalom not only means ‘hello, goodbye and peace’ but also ‘payment, completion.’ Thus, there is no peace, no completion without payment and that is one’s work in completing his original incompletions
5.      ANYWAY – an internalized scoreboard as ‘no good deed goes unpunished.’ For example, don’t do unto others as they have done unto you – even if the others are putzes – ANYWAY. (However, this modified by don’t be a wuzz such that they will do it again.)
6.      Tightwaddery – using a banana peel to shine one’s shoes, asking one’s neighbor to allow you to put your Xcel payment and bill in with theirs to save the postage (which the neighbor pays for!)
7.      Tikkun Olam – to repair the world. In this context to repair one’s own world – inside out first – versus liberals and lefties who belief you change the system and you change the world. Thus, the liberals and lefties are reaching out to avoid reaching in – in most cases
8.      ENOUGH (sm) -may enable Shomer Tov but not often. How so? As a Rabbi once stated, ‘more possessions, more worries.’ Once, monetarily there is ENOUGH, then it becomes the need for ‘a cushion- just in case.’ After the cushion, then what occurs is the Sam Levinson routine, ‘I finally got the means to the ends and they moved the ends apart.’ Cushion in place, ends moved and still having ENOUGH, there is avoidance: now I’ll do my someday things (like throw pots in Vail for 6 months until it becomes with the spouse ‘for better or for worse, but not for lunch.’ ENOUGH (sm) at this point forces the question of ‘finding meaning’ IN one’s life rather than avoiding it. The words are different, ‘I want to make a difference, I want the fire in my belly again’ but modified with – being able to make the difference, make the fire in 20 minutes. So instead, palliation and diversion is chosen – run for Governor, make amends with the kids they ignored for 18 years, get into politics or philanthropy (same thing – recognition rationalized) or better yet get into Adventuresome Capital under the justification – I can make more so there will be more jobs. ENOUGH (sm)– Judaic Financial Life Planning – taking seriously is confrontational – More is easier. However, that said, ‘more, better, now’ has a habit of becoming ‘less, worse, later.’
9.      Note: In Original Sin, Dreck, Innocence, or Goodness) the clergy are ‘spiritual leaders. ’ In, Original Incompletion – the  clergy – the Judaic clergy – for example-  is to be a spiritual resource – assisting each Jew’s assignment – rather than a spiritual intermediary/leader.