The Pop-Culture Frustration of Demographics.

All this stuff on Japan and aging and productivity from the Socrates of money, John Mauldin (the king) got me thinking. Naturally, I’m not an intellectual so right away I revert back to the comfy tub I feel best soaking in: POP CULTURE.

I’ll add my poppy, fluffy spin to his intellectual arguments (because then they’ll be interesting).

Let’s face it: Demographics are an economy slayer: The kids of the 1960’s & ‘70’s are experiencing enlarged prostates and menopause. Marsha Brady is menopausal?

Mayer

OOPS I’m sorry. This is my “new” Marsha – Marissa Mayer President & CEO of Yahoo! If I had a cool name like Yaloo or Rumbler she’d buy me and I’d let her. 

This ain’t good, folks.

“Sanford & Son,” starring the late, irreverent Redd Foxx as an elderly junk dealer living with his ambitious (when it comes to peddling junk and get-rich-quick schemes), adult son Lamont, was one of the funniest television shows of the 1970’s. It had a successful run from 1972-1977.

dummy

In 2007, Time Magazine placed the show on their list of the “100 Best Shows of All Time.” As Fred Sanford, Redd Foxx delivered some of the most memorable, wittiest lines on television. I thought Fred was old then. Now I look around and everyone appears to shuffle along lead footed, like him. Our population is indeed aging. Usually, that’s not good because demographics are everything to an economy.

When Fred was stressed out or in a predicament he would fake a heart attack for sympa­thy. He’d look up to the heavens, raise one arm, place a hand over his heart, go unsteady on his feet and moan to his dearly departed wife, Elizabeth: “This is the big one, I’m comin’ to join ya honey!” Now, heart attacks and other afflictions plague even the late baby boomers. I can get real gassy.

The 70’s celebrities are dropping like flies. We’ve lost Don Cornelius of “Soul Train,” Robert Hegyes who played Juan Epstein in the program “Wel­come Back, Kotter,” and Bob Weston, musician and songwriter for the iconic 1970’s band “Fleetwood Mac.” Come to think of it  TV’s beloved Horshack has bitten the dust too. I refuse to tell you who Horshack was. Look him up.

Horshack

Here’ssss Horshack. NO, it’s not Anthony Weiner in high school. Don’t be silly. 

As a kid, I was a ghoul-incessantly curious over celebrity deaths. In the early to mid-70’s, I couldn’t wait for the latest edition of the “The World Almanac® & Book of Facts,” to hit the racks at the local convenience stores. I was anxious to investigate celebrities who died that year.

The chunki­est book around contained everything you wanted to know about everything, published annually. The almanac was the printed version of the internet-an extensive source of data. Actually, the book is still produced and remains one of the best desktop reference books available. You can purchase at http://www.worldalmanac.com. The latest edition is over a thousand pages. It’s not boring and presented well.

In the 70’s, I had a habit of sneaking into the creepy, overgrown old (I mean old, dating back to the 1600’s), cemetery in my Brooklyn neighborhood and do my best to read faded tombstone epitaphs.

Today, there’s http://www.findagrave.com. I’ve been a big fan since 2006. An extensive web zone of 76 million dead, including the famous (and infamous) along with photos, biographies, and the ability for visitors to leave sympathy messages for the dearly departed. Not only the well-heeled are electronically interred here. I found my precious nana Rose’s grave record by searching her name.

Being on the wrong side of the demographic slide compels my mind to dance with the macabre. I begin to wonder what it’s like not to breathe anymore or release my bowels for no reason or without realizing it. You don’t need to be an academic to comprehend how as you age, your ability or willingness to contribute to economic growth decreases. Speaking for me personally I plan to be an overall drag to U.S. economic activity if by chance I get old. I’m not optimistic as some of you know.

What’s all the fuss? What is this thing called demographics? Well, demographics are the makeup of the people. Demographics are a deep analysis of the herd. Everything about how the masses live, move, age, die.

It’s the population and its pulse.

So, what’s your position in the herd behind the fence in a place called the United States?

For example, I’m a late baby boomer among the herd. Studies remind me how I’m ill-prepared for retirement, my hair line is receding, I’m afflicted with “low T,” whatever that is, I watch a disproportionate amount of television and control half of all U.S. consumer spending. For extensive analysis of social and demographic trends, check out http://www.pewresearch.org.

Television blares at me, advises I’m ready at a moment’s notice to take off on a motorcycle before or after I swallow the pill that magically drops the “dys” from the function of my erectile. Note to self: No motorcycle just yet (next year, maybe)

It’s tough when your function doesn’t function. That’s going to be the bumper sticker of my generation. 

John Mauldin (Yoda) says:

“There are two, and only two, ways that you can grow your economy. You can either in­crease your (working-age) population or increase your productivity. That‘s it. There is no magic fairy dust you can sprinkle on an economy to make it grow.”

It’s not that difficult. You need more bodies to work, pay taxes, buy more stuff. Remem­ber, our economy is dependent upon society’s ability to purchase and use services.

Robert D. Arnott a money manager, cutting-edge thinker and academic along with co-author Denis B. Chavis in a study titled “Demographic Changes, Financial Markets, and the Economy,”  in the “Financial Analysts Journal,” using a large sample of countries and 60 years of data, outlines why a majority of us should be concerned.

The ominous conclusions of aging demographics have been in circulation awhile. This study identifies several key points that intuitively, without all the rigorous analysis behind it, make sense. Not only do the outcomes make sense, they will (do) have a material effect on how the herd lives, works and invests.

From the study:

Large populations of retirees (65+) seem to erode financial markets performance as well as economic growth. Retirees are liquidating investments to buy goods and services they no longer produce, and they’re no longer contributing goods and services into the macro economy.

Stocks perform best when the roster of people age 35-59 is particularly large, and when the roster of people age 45-64 is fast growing. Bonds prosper when the roster of people age 50-69 is growing quickly.

Per capita (each individual) GDP growth is strongest in populations dominated by young adults and in populations in which the young adult population is growing quickly.

If the working-age population (people between 20-60) is growing faster than the broader population, that should provide a tail-wind to per capita real (inflation-adjusted) GDP.

It’s finally time for me to reveal my lifelong frustration with David Cassidy.

All the adolescent girls in the neighborhood adored the genderless David Cassidy. He was a mega teen sensation rising to stardom in ABC Television’s “The Partridge Family.” I mock his existence, call him genderless, clearly out of sheer jealousy. He made me look and feel like “Lancelot Link, Secret Chimp,” from said named Saturday morning television program which ran in the early 1970’s.

lancelot

Lancelot was the coolest chimp EVER. James Bond with back hair. 

Candidly, David Cassidy was beautiful and I was disturbed over the pretty. I wanted to be pretty. What a flowing mane, what a nose, what a voice. He was everything I’m not (still is). Damn.

Do you realize David Cassidy aka Keith Partridge, as of this writing is 63 years old? The lionized former teen idol is now eligible for social security (although I wouldn’t advise him to take it until he’s much older).

By the way, if you go to http://www.davidcassidy.com, it appears his hair hasn’t aged at all. Hate him.

David cassidy

I’m secure enough in my manhood to say: DAVID CASSIDY WAS PRETTY. 

When Keith Partridge celebrates his 72nd birthday, he’ll be one of ten senior citizens for each new working-age person. So things are going in the wrong direction as the working-age population shrinks. Again, what’s the significance to you? (Some info is repetitive but worth it).

Random Thoughts:

1). Overall long-term returns for popular asset classes like stocks and bonds will be muted. Saving more, working longer and smarter debt management are tactics that are going to result in greater financial reward. David Cassidy is still performing so he’s wealthy. He doesn’t need to worry. (Damn again).

2). Don’t be a big dummy like Fred Sanford’s, you know – Lamont.  If you’re in good health, long life expectancies exist in your immediate family and you can postpone it without obliterating your lifestyle, wait to take social security for as long as financially possible. For the majority of us it’s the only “pension,” we’ll ever have so I understand if waiting isn’t advisable for you. Want an estimate of how long you’ll maintain the mortal coil? Check out http://www.livingto100.com.

My thought is if you’re 55 and older social security is going to be there, relatively intact. David Cassidy would benefit financially by waiting until he’s 70 years old to begin collecting social security benefits. For every month you delay social security benefits after “full retirement age,” whether it’s 65, 66 or 67, you receive a credit or an increase in benefits which is equal to two-thirds of 1 percent per month or 8 percent a year.

Anson Williams from the smash hit 70’s television show “Happy Days,” played a sort-of-goofy character named Potsie Weber. Potsie is 64. I’d advise him NOT to take social security yet.

I mean goofy is one thing, dumb is another.

3). The superstars of the 1970’s now require walkers. And when they fall they can’t get up without assistance. However, most are probably set for life and can make the social security payout decision easy enough because they don’t need to depend on the benefits to survive. You can’t be so dismissive.

I just read that the Scooter Store got raided by the Feds. Can this be possible? It’s a nightmare. I was truly upset. The Scooter Store, one of the nation’s largest suppliers of power wheelchairs and scooters, had about 1,800 workers. You ever see that Hoveround Power Chair? Jesus, it’s like a Harley to me.

hoveround

I mean this Hoveround is a work of art. 

Social Security is probably the only pension you’re ever going to receive. Be smart and labored with the decision. Work with a financial pro­fessional who can help you clarify your thinking and run the numbers for your unique situation.

4). Create your own pension. I vacuum when I’m stressed. I got that from my mother. No matter what shape mom was in, she always appeared ordinary, felt better when employing the vacuum cleaner. Perhaps she believed, in some way, it cleansed the personal psycho dirt she shed. Not sure. She had the most expensive vacuum on the block, I’m certain. And it was always a canister type. Never an upright model. Mom had her standards.

I’ll never forget. It was a 1974 turquoise “Model L, Electrolux” metal elongated baby with white trim. I must admit it was a pretty sight to behold (remember I grew up when the Ford Pinto was popular). I never thought a household appliance could be pretty, but it was. It was a loud sucking, rolling apex of normal in an abnormal household. Vacuuming gives me piece of mind and has absolutely nothing to do with annuities,

But…

There are a series of annuities called deferred-income annuities which are funded now for a lifetime income later on, preferably ten years or later. Best to purchase around age 50 or older. Generally, they’re less expensive than variable annuity options and you pretty much know how much income you or you and a spouse are going to receive for life. Bad part is you generally need to “annuitize” or have the insurance company have complete control of the money. In return, you’ll receive a check in the mailbox for as long as you or you and spouse will live.

A  financial planner, adviser, consultant or qualified whatever can run the numbers and show you how or if an annuity structure is necessary.

All the strange talk I remember overhearing back in the 70’s: Pension, pension, pension. The word made me envious and I had no idea why. The “regular” older kids would talk about how their dads or granddads at a ripe old age like 55, would collect a check forever and never need to work again. They were excited about vacations. Imagine. What the hell is a vacation?

Even several episodes of “The Little Rascals,” referenced old people and their precious
pensions. The word got stuck in my head. I was sensitive to the sound of it. Those reruns
ran constantly in the 1970’s, too. They were considered antique even then.

crabtree

Side note: Mrs. Crabtree from “The Little Rascals” was so hot. Sorta reminds me of Mayer.

As John Mauldin (God) wrote in the following, and he’s been writing about Japan for years:

Japan is on the Brink of Disaster.

Demographics are not on their side.

Let’s face it.

We’re all getting older.

Did you hear that?

It was my knee.

Great. Just great.

Nap time.

A Sign of the Times: Ten Reasons to Envy the Undead.

Zombies are overwhelming your metropolis. No, no, not politicians and bankers.

Real live (dead) zombies!

Zombie one

Ok, not as spooky as politicians or bankers (especially the central banking types), but you get the picture.

Someone I admire, he’s like a Socrates for our times,suggests that zombies represent a world of pervasive loneliness. I love this man to death but I sat there puzzled, thinking:  I still don’t comprehend the zombie loneliness theory as they do tend to stagger together in groups. In the blockbuster TV show “The Walking Dead,” the living “living” coins this behavior as “herding.” The living dead herd. Who knew. That’s a form of bonding, no?

Good enough reasons to keep your doors locked, people!

Not that locked doors work for long. After all, a mere few zombies can turn over cars; bolted doors and flimsy plywood nailed over windows buys you just enough time to say goodbye to loved ones. Let’s face it: Sooner or later you’re a food source. I was told that by a senior-level executive at one of those big box home improvement stores that most plywood is now exported from China. Chinese plywood = balsa wood? I don’t trust it.

zombies and windows

Zombies are so white hot-popular right now; these decaying, staggering masses or the dead­est of “us,” easily steal attention away from the likes of a Kim Kardashian or the pinkish-hue of a Lindsay Lohan. I could be a bit off base about Lindsay. Her antics can easily draw attention away from zombies depending on the severity of the wardrobe misfire or an occasional sexy bikini wedgie (thank you, TMZ).

The living dead have risen in prominence. And this time the uprising could be permanent.  For decades their popularity has ebbed and flowed yet their presence has never truly decayed. Now they’re everywhere you turn. It’s the zombie time to shine!

I’ll occasionally catch myself darting an eye over my left shoulder when in a public place because I’ve grown downright zombie paranoid. In this economy, I should be more concerned about the living seeking to steal my wallet but since I believe a zombie apocalypse is now imminent, I continue to be increasingly living-dead aware.

I’ll list the rationale behind my deep-seated zombie fever and why I so envy them:

Random Thoughts:

1). They don’t fret over making ends meet.  As a matter of fact, their ends are sort of decomposing, falling apart. Zombies don’t fret to pay the cable bills, meet mortgage payments or deal with brain-rotting college tuition costs. The days of anguish over the daily money monkeyshines of the living are gone! Surviving takes on a totally different perspective. How I relish those with reckless abandon who can just chase and bite, stagger and gnash like rabid animals.

The Federal Government has even been known to send dead people unemployment and social security checks but they have no need to cash them. I’m jealous. The very mortal coils of everyday fiscal obligations are broken. We are envious of the financial freedom. Who wouldn’t be?

2). There’s a thrilling bon vivant nature about the undead I admire. Zombies are brazenly wasteful and they just don’t care!  Again, I’m envious.  If the living dead are so hungry why do they take no more than two bites of prey and move on? It’s not like there’s endless supply of warm bodies to nosh on. Humans don’t grow on trees.  Has anyone seen what’s happening to global demographics? We’re all aging. It’s only a matter of time before there are more living dead than living.

The undead must do better with food handling. What about all the starving zombies in China? Even when they decide to dig hard and tear deep through a victim, zombies don’t appear to be eating. Looks like they’re playing with their food (in this case elbow-deep in intestines, organs and other nondescript red slimy entrails). If I played with my food with such passion as a kid, I would have been in enormous trouble.

Again I reference the best cable show out there – In the AMC hit television series “The Walking Dead,” a believable explanation for the genesis of said program title emerges. At least it allays some of my frustrations over the deliberate waste of the fresh, walking food supply.

In the Season One finale “TS-19,” the sole remaining doctor at the Center for Disease Control (gingerly insane yet very sage from a lethal combination of: Isolation under­ground for an extended period, shooting his wife, test-subject 19, in the head once-her usefulness as an infected under observation concludes, and conceding to the awful truth that there is no cure for the afflicted,) outlines findings I find plausible.

Doc Jenner explains:

The disease invades the brain like meningitis (OK – I heard that’s bad).

The brain stem is restarted. Gets them up and moving (makes sense to me).

Most of the brain is dark: Dark, lifeless, dead. The frontal lobe, the “you,” the human part is gone (it does appear that way).  

TWD writers are so damn smart.

I have concluded (I think), animated dead folk are indeed ravenous. They just don’t possess the human or humanity (what’s left is a tiny spark of light at the base of the brain) to make the most of preserving the food source.

I’m cutting the dead some slack. Although I’m sure if they cornered me I wouldn’t be shown mercy. My physical trainer says I’m very “fatty,” so my succulence would be too much for all those walking brain stems.

Zombie two

Dr. Steven Schlozman, a psychiatrist, Assistant Professor at Harvard Medical School and author of the book “The Zombie Autopsies,” would agree with Dr. Jenner’s conclusions and sizes up zombie appetites in a further professional manner perhaps because he never lost a loved one to a zombie nibble:

“The ventromedial hypothalamus (in the brain), which tells humans whether they’ve had enough to eat, is likely to be on the fritz in zombies, who have an insatiable appetite.” 

It’s clear to me now.

3). Zombies don’t require exercise and it’s inevitable they’re going to lose weight without much effort. I so hate them for this. As a matter of fact, even though Hollywood never seems to get it, if survivors can survive long enough, hunker down, the dead are literally going to rot. It’s not like they’re embalmed. Well I guess some are – I’m sure, even preserved, staggering corpses ostensibly succumb to harsh weather elements.

I sort of admire how “walkers” (what zombies are called in “The Walking Dead,”) can be wasteful (and eat whomever they want) without any repercussions. Damn them. Damn them all even more than they’re already damned.

Give it time: The weight loss will be deadly. Zombies should be dragging around close to the ground like clumps of fermenting flesh if you’re patient and resourceful enough to stay alive. Then go ahead. Leave your hiding place, brazenly walk up and do a step and squash on what’s left of a head. Simple. My boots are ready! Although stomping on zombie cranium “feels” too much like exercise to me.

And what about those quick sort of disturbing athletic zombies in movie director Zack Snyder’s respectable remake of “Dawn of The Dead?”  I stubbornly refuse to relent to running zombies. These primal hollows of our living selves just cannot (should not) sprint.

From Doc Schlozman’s book “The Zombie Autopsies,” the wisdom flows freely like blood from a gaping bite wound:

“Slower degenerative processes in the cerebellum explain the initially intact gait of the infected, even though they all become increasingly unbalanced with time. That’s why they hold their arms out in front of their bodies: for balance and increased coordination. They just want to remain upright, on their feet. But the process continues, the cerebellum degrades, liquefies. Virtually all late-stage ANSD humanoids ambulate via crawling.” 

AH-HA! See? Running zombies are an abomination! Listen up movie-makers!

I prefer my zombies slow, staggering and overwhelmingly off kilter. Like me on a Friday night. Hey, call me a purist. AMC’s “The Walking Dead,” gets it right. Again!!

FYI – ANSD stands for: Ataxie Neurodegenerative Satiety Deficiency Syndrome. The internationally accepted diagnostic term for zombiism. Thanks again Dr. S. Feel free to steal this for your next cocktail party. 

running zombies

4). Zombies don’t seek to bathe. And the living don’t seem to care! C’mon – Zombies should stink to high heaven. So, why don’t victims smell them coming from at least half a mile away? I once went an entire week without bathing in 1989. That’s after parent-basement sex with two women, eating several boxes of Entenmann’s orange-swirled icing and chocolate Hal­loween cupcakes, ten Big Macs and washing it all down with large cups of coffee overwhelmed with  heavy cream. I recall plenty of female grimaces followed by waves of disgust. Good thing I barely left the house back then.

You rarely see disgusted looks on the faces of the living who meet up with the rotting side of us.

How many times have you heard the following lines in zombie flicks?

“I can’t handle the smell of these walking maggot bags.”

“My eyes are watering from the stench of these fuckers.”

“I’m going to vomit from the ungodly odors these dead things throw off.”

Not many.

Well, to give further credit (yet again) to the writers of “The Walking Dead,” there have been various references to puke, puking and zombie dead-body odor peppered throughout episodes. They’re passionate about authenticity unlike most who cater to us zombie zealots. I salute them.

5). Zombies don’t discriminate. They’re equal opportunity biters, infiltrate all races and cut a bloody swath across political lines. They gain greater attention when economic conditions deteriorate or improvement is anemic. Sure, they seem to pop up during times of social unrest. Since the last recession, the most severe in decades, zombies have been in a downright frenzy to take over the world.

6). The undead have been around longer than you have. I envy the staying power. Although, I don’t recall them as relevant and so overwhelmingly popular. And I’ve been keep­ing track of their ebb and flow since I first bug-eyed watched the groundbreaking black and white cult classic “Night of the Living Dead,” by zombie Master Movie Maker George A. Romero, on a yellow plastic thirteen inch black & white TV in 1973.

In 1968, the year “Night” was released, the Vietnam War was raging, civil rights protests were grabbing headlines and Martin Lu­ther King, Jr. was assassinated. It cost a grandiose $114,000 to make which even then for a movie was a pittance of a budget. It had grossed over $30 million worldwide.

Romero created a controversial stir by featuring a black man, unknown stage actor Duane Jones, as the brave and re­sourceful hero while most of the men in the cast were blowhard, wishy-washy or backwoods white folk.

Romero also played up the contemporary theme of government distrust as dead body brains are “activated” (allegedly) by radiation expelled from the explosion of a space satellite, the “Venus Probe.” Throughout the film, there are shots of military/government officials (actors) fleeing from television news cameras all the while denying the connection between the radiation and the returning dead who make a meal out of the living. For gosh sake I thought I saw Eric Holder running from a reporter.

The bitter irony of the movie is how Ben (Duane Jones) solely survives the night of ghoul attacks by locking himself in the basement of an abandoned farm house only to be shot in the head the next morning by a white member of a sheriff’s posse as he’s mistaken for one of the remaining zombies roaming the countryside.

I remember watching: Scared to death, frozen. Shocked. I recall muttering the words: “This really sucks.” I hated the ending but I understood the point Romero was trying to make. Well, I think I do. Back then I interpreted the messages through a warped mental pre-teen siphon. Actually, I still believe my interpretations hold up.

I wondered:

First, why even bother to survive a zombie hoard if you’re going to be shot in the head by your own people (the living kind) anyway? What a waste.

Second, make more noise and scream actual words like the living (not guttural grunts like the dead) if you see a posse out a window! Ben, Ben, Ben. You were too quiet. I understand you just went through hell and you’re bit dazed but if it’s me I’m screaming like a sissy living, defecating human who just soiled his Fruit of the Looms!

Third, based on the social turmoil of the 60’s, I think Romero sought to use the film to convey messages about the futility of the Vietnam War (conflict) and the tragic assassination of MLK, Jr.

In other words: Go ahead fight the good fight, be honorable, stick to your convictions, but understand there is still a great risk. The hero can indeed fail or die.

I hated how Romero sacrificed Ben at the end (I know I mentioned that, already).

Fourth, an interracial couple holed up in a farm house (even when the female is young, blonde and completely unresponsive) doesn’t mean sex is definitely gonna happen. Huh? Not when Ben is around!

I was wondering when he was going to rip off Barbara’s (played by a very blonde actress named Judith O’Dea), clothes but all he did was com­fort and protect her. Well, he did knock her out with a hit in the face but it was perfectly understandable. She was unhinged after watching her brother become zombie brunch.

Even after she clawed at her scarf  – “it’s hot in here, hot.” NOTHING. Ben, you helped me understand what being a gentleman really means. Can you imagine if Romero had Ben have his way with Bar­bara? Talk about controversy in 1968! Today, Ben would be in hot water for placing a slipper on a white woman. DID YOU SEE WHAT HE DID? A MINORITY WITH A FOOT FETISH LIVES AMONG US. 

Ben and barbara Night

You sure do get to see the best (and worst) in people during times of disaster. THAT was the true message in Romero’s classic to me.

I still vividly remember the first time I watched “Night” on the ABC Satur­day evening late show. The idea of zombies was sort of goofy to me before then. I believe I watched Scooby Doo trip one up on morning television. To me they were clunky comedy relief. In black and white, late at night and thirsty for blood, zombies gained more of my respect. Scooby Doo was either brave or just a big dumb dog.

It was that dead woman at the top of the stairs. It was that devoured face. It was the eyeball staring, piercing me through an old rabbit-eared RCA television screen. My perception of zombies had changed. Forever. They haunted me from that moment. If I would have known how popular they were to become I would have given up on this money management business a long time ago. There was a fortune still yet to be made exploiting the undead.

night woman top of stairs

OK, enough of that. Next. 

7). These ghouls laugh at our complacency with money. Actually I believe it’s a gaping, black-mouthed sort of bloody drool they mock us with.  If they could, walkers would indeed chuckle at the jaw-dropping (and on occasion zombies are missing a jaw) willingness for many investors to remain with financial firms that don’t treat them as they deserve to be treated. Not enough communication, too much conflict of interest, high fees which eat up returns. I hear the complaints consistently and then inquire about or suggest a course of action.

All I receive is a zombie-like glazed over milky-white pupil stare. Fight the zombie of complacency!! Seek an objective, fee-based registered investment adviser. Check out the following blog entry from Clarityfinancial, LLC on the right questions to ask your current or prospective financial adviser.

How to Grill a Current or Prospective Financial Partner

Read more. Perfect segue to push my book, but I don’t want to appear self serving.  It’s too ghoulish. However, order Reformed Broker Josh Brown’s tome “Backstage Wall Street.” There’s lots of meat in this (for the living). Josh’s has a gift to communicate. His writing so sharp, the information delivered so lethal, it’ll slay the evilest of complacency corpses. Want the true story about what motivates your broker? Then..

Order Josh’s Book!

8). Zombies seem to get along just fine without technology.  It’s like when they die, then eventually rise again, they have a keen sense of where the next two-legged meal happens to be hiding. No GPS required. No Google Maps. I also like how the living dead don’t feel the pressure to create some retweetable bon mot along with clever hashtags for it – #holdinginmyliver #thatguytastedlikechicken #wheredidIleavemyseveredhand #birdnestineyesocket.

9).The ultimate revenge: Zombies may eventually be hired by large corporations.  The time is almost near. Employees of large publicly-traded organizations are burning out, dealing with lowest wage increases (if any) in decades in the face of some of the fattest profit margins in years. It’s all about the shareholders now. As a money manager I love it. As an employee I abhorred it.  So it’s only a matter of time before you as an employee are replaced by the living dead. Makes perfect sense. They won’t need to be paid,  just fed entrails.

No benefits, no vacations, no sick days. No more being pissed off over hiring workers in emerging and frontier markets as they no way could compete with a zombie workforce. Hey, you no longer need an HR department either (hell I don’t even know why they exist as they appear to be human and resourceful exclusively to the executive level).

In Romero’s classic “Dawn of The Dead,” the zany scientist was making progress  teaching “Bub” the zombie how to perform simple tasks. And that was over thirty years ago. Imagine the progress we would make with today’s technology. Stick ’em in a cubicle. When they desiccate, just scoop what’s left, discard. Replace. And no 401(k) rollovers to worry about either. Or pensions. Oh wait, what’s a “pension?” I’m thinking corporate R&D spending will be focused toward “Bub Projects.” Don’t laugh. You’re a bub away from replacement.

It’s all about the profits and share prices. You’re an expense to corporate America. Don’t think so? Read on:

Shareholder value is ruining America

10). Zombies compel me to examine the fate of the human condition. Why do they fascinate some of us? Do they represent how primal we can become?  Why did the first nude zombie turn me on? I’m just not intellectually gifted enough to interpret all this. Truth is I just want to enjoy being afraid.

nude butt night

Leave it to George Romero to feature living dead butt. In 1968. Not bad, right? Admit it.

Perhaps my smart friend was right. Maybe zombies do represent loneliness, our lost ability to communicate, the hunger for human warmth, the need to fortify when conditions feel out of control.

Or perhaps, we just plain like to be scared.

Don’t overthink.

Just go with it.

Gatsby’s Greatest Mistake – Avoid Death Through Eternal Hope.

I never met a man with such hope. I doubt I ever will again.” Nick Carraway.

Mr. Jay Gatsby clearly didn’t thrive on this plane. He was bigger than life, above earth, to many who knew him. Knew of  him. Men, women, actors, senators, commissioners, vagabonds, freaks, all ages, all shapes, the good, the bad, the ugly, the beautiful, the pimple-faced kid who delivered the freshest produce every mid and end of week who stuck around a bit too long to catch a glimpse of mystery.

Clearly, everyone was aware of Gatsby, or at the least, the image of the man formed over years of discipline, sacrifice, study, focus. Amazing, blinding focus. The thousands who entered the masterful iron gates of his 40,000 square-foot mansion on weekends, who took advantage of the endless flow of hospitality, each one, had a story.  To Nick, Gatsby seemed like a soul ready to dance on the edge of tragedy.  Stripped of protective barrier, Gatsby was a mere boy playing adult games. There was a story which circulated, cut deep through the heat of party goers and the lights. So much light. It blinded Nick.

“I heard he even killed a man.”

Gatsby never belonged in the present.  His closest friend, if Gatsby held a real friendship, observed the inner distraction, perhaps a bordering on obsession.

Nick was convinced: Something outside this world was eating Gatsby alive.  At least that’s what he believed.

Looking down, Nick observed Gatsby’s rich leather shoes. Always polished.  He laughed. It was his way of knowing Gatsby existed in the physical realm. One day Nick would imagine, he’d look down and Gatsby’s feet would be hovering about a foot off blue lawn, like a spirit ready to speed off to another planet. A Godly mission perhaps?

Nick wondered:  Where did Gatsby’s heart rest?  Standing majestic, always dressed for perfection, looking into him, Nick would observe, feel the distance, beyond the deep blue of Gatsby’s eyes. Who was Jay Gatsby anyway?

A spy? A killer? A hero? Did he even remember?

Nick asked himself repeatedly – “Who owns and chains Jay Gatsby’s soul?”

Nick noticed how Gatsby would uncomfortably shift to and from the current.  He was much like the white water which ebbed and flowed along a lush, personal beach.

Nick was fascinated. There existed a beautiful sadness, a breathless longing, a waiting in a smile that caught itself before completion.  There was true genius here. An honesty, a passion locked deep. He knew things you didn’t. You didn’t want to know.

Depending on the conversation, Nick could release the child-like innocence who was Gatsby. Gatsby before all the trappings. The hungry one. The one who felt.

gatsby

Behind wispy delicate beauty purchased from wealth, lived a man awaiting release. Or redemption. A better life. Completion. Forgiveness, perhaps. Nick would write feverishly in his journal – “Heartbroken. Distracted. Innocent.  Mysterious spirit. Dangerous.”

“Yet hopeful. Always amazingly hopeful.”

Immersed in overly decadent trappings of the richest mahogany and purple-blue carpet which felt like crushed velvet under foot, Gatsby was a polished, preserved shell draped in the finest light linens and deep silk vests designed solely to fit his swimmer’s body, snug. From the calloused fingers of artist-immigrant tailors at Herbinger’s of New York City.

Stuck rich between youth and maturity, estrangement and engagement.  Waiting for a bridge to be built between past and future – One vital piece remained untethered for the polished yet raw of Jay Gatsby.

“Gatsby turned out all right at the end; it is what preyed on Gatsby, what foul dust floated in the wake of his dreams that temporarily closed out my interest in the abortive sorrows and short-winded elations of men.”

Every reserved step, each over-the-top party, the plethora of salt breeze which swirled over Long Island Sound direct through his open balcony door, sought to embrace him. It felt best not to touch. The salt-air felt thick, solid – yet it played teasingly gentle with billowed drapes. Silk flown in directly from Singapore, woven by hand, wrapped Gatsby in the future of a dream not yet realized. He raised a manicured finger. Lowered his head. Sandy hair once coiffed, now tussled by wind. Breathing in and out.

Pointed forward. Eyes closed. The pain of her. Her absence radiated from deep his chest.

Traveled on emerald bright.

A salvation: His salvation.

Where the woman, a human light, who held his soul captive like a seirene, for half a decade now.

Danced gleefully behind the green light. Where she lived.

Little did Daisy know when she spun on the dock like a little girl, with the green light as beacon, Gatsby felt her. He felt nothing deep except her presence.

The lights from his mansion across the water,most of the time launched in Technicolor, was designed to capture an elusive star. The music, the crowds, the fireworks. All for her attention. A tactic designed to push a love, Daisy, back to where they started. It was five years. To Gatsby, it was yesterday. Everything stopped unless Daisy was part of the equation.

Thought across the water, he would focus on the only shine that mattered to him. The green. The calm. The pure of color messaged him. It was code to his soul not yet released. His heart to join past and present rode on a wave of robust hope.

He created an elaborate stage – a world of players he observed but never touched.  Except for Nick. There was a difference about him. He reminded Gatsby of a brother he left a life ago.

And for all Gatsby appeared to his those he played to, his foundation, his emotional as well as financial footing was shaky. Perhaps we love this timeless story because perfection is born from imperfection.

However, you can never run from who you truly are. As well as you dress, as elegant as you speak, there’s something tragic about all of us. Gatsby couldn’t touch the imperfect. It was a realization how truly flawed he was.

Daisy Buchanan was smart enough to accept her station. Her willingness to party, her vacuous nature, was truly who she was. Gatsby tried to acquire her. He created an inner image of her. An image he could control. And wanted so badly to believe. Who he loved wasn’t Daisy. It was his wish to save her, perhaps possess her. A projection. A feeling lost he needed returned.

“I KNOW. I’ve been everywhere and seen everything and done everything…Sophisticated – God, I’m sophisticated.”

Writer’s note: Daisy was a pompous twit. But she knew it. Admit when you’re a pompous twit, people will hold a greater respect for you. 

Everything Gatsby built, everything Gatsby sought, everything he had become, born of incredible focus. (Was. For. One. Person. And. It. Wasn’t. Him.)

Ostensibly it killed him. Death after going so deep, was the only answer. It was the only conclusion F. Scott could have come to. Gatsby was so mired in his dream, so far gone, only death could release.

So what can we learn from this classic?

Random Thoughts:

1). Gatsby’s parties and trappings were a horrible return on investment. If the elaborate wealth was bankrolled by Prohibition then what would happen when it all ended? And Prohibition did indeed, end. Gatsby surely spent more than he took in.Only a matter of time before Daisy being as spoiled as she was, would depart. As soon as the cash ran dry. I have no doubt Gatsby as a fighter,  would have found another way to build a fortune. To recover. Unfortunately, his true focus for it would have long exited. And possession should never be every reason to acquire wealth, especially when it comes to the acquisition of a heart, love. A feeling. Gatsby loved how he felt around Daisy. He was willing to pay anything for that feeling. He was paying with his life and she really wasn’t concerned. If Gatsby was able to spend more time in the present, he probably would have figured this Prohibition thing was going to conclude. He held enough contacts to uncover this information and ostensibly work to protect his wealth.

2). Gatsby suffered from abhorrent emotional and cognitive biases. First, he lived in the past. Only the past. I’m sure hindsight bias troubled him. I’m sure he obsessed over past investment mistakes because in hindsight, he knew they were going to fail or do well. He needed to control so much of his projection, his journey, his capture of a love that died a long time ago, he could have never admitted he was wrong. As Nick wisely told Gatsby: “You can’t bring back the past.” Can’t repeat the past?…Why of course you can, old sport!”

“He wanted to recover something, some idea of himself perhaps, that had gone into loving Daisy. His life had been confused and disordered since then, but if he could once return to a certain starting place and go over it all slowly, he could find out what that thing was.”

Writer’s note: His love for Daisy was the love he lost for himself.”

Gatsby was inflicted by regret aversion. He held on to lots of “losers,” much longer than he should have. All his party goers, the people he provided a “respectable front” for business dealings, DAISY (biggest loser as it cost him his life). Don’t hold on to losing investments thinking the’ll recover. Forget holding on to feelings, or hope that someone you loved will return. A bullet in the chest and a float in the pool are the results. 

“They are a rotten crowd,” I shouted across the lawn. “You’re worth the whole damn bunch put together.”
I’ve always been glad I said that. It was the only compliment I ever gave him, because I disapproved of him from beginning to end. First he nodded politely, and then his face broke into that radiant and understanding smile, as if we’d been in ecstatic cahoots on that fact all the time.”

3). Find and then appreciate your Nick Carraways. The true alliances, the objective financial partners who will provide truth even when it hurts, those who make up your inner circle. The ones who listen, care, the ones who truly feel your pain. So much it changes them. And you. Those who embrace who you are now. Learn to love the Nick inside you, too. For some odd reason, Nick was Gatsby’s true salvation; he just couldn’t make the pieces fit. Your human outliers, the ones who think outside the box, but are pure of heart are worth more than any Gatsby-like fortune. Write down who those people are. Call them. Write. Tell them now what they mean to you. Cherish. Thank them for sharing the brutal, beautiful truth. These people provide clarity.

“Everyone suspects himself of at least one of the cardinal virtues, and this is mine: I am one of the few honest people that I have ever known.”

4). Understand Gatsby was dead before he hit the water. The bullet was merely  release. A method to move on. Forced by the hand of another. We, on occasion, are moved forward by the force of another. Harsh realization from a past love, an illness that sets you back, a business failure (which is not a defeat), depression, an inner disappointment. Let’s face it. Daisy wasn’t going to return to Gatsby and for him, it meant all he built was false, mere illusion. It was time for him to deal with the demons. And they were powerful. He made them so. Death was a good way for Gatsby.Majestic. Full of story. Bigger than life. It’s not yours. Remember the bullet that caused you to move forward, bleed, then drown. Time to emerge. Remember what you’re made of. Some dreams are not fucking healthy. They hold you captive. Daisy wasn’t going to call. She was long gone. Years back. She knew how to work the Great Gatsby.

Gatsby Daisy

“He must have felt that he had lost the old warm world, paid a high price for living too long with a single dream. He must have looked up at an unfamiliar sky through frightening leaves and shivered as he found what a grotesque thing a rose is and how raw the sunlight was upon the scarcely created grass. A new world, material without being real, where poor ghosts, breathing dreams like air, drifted fortuitously about…like that ashen, fantastic figure gliding toward him through the amorphous trees.”

5). Know when your light goes from green to red. To much hope will blind. The blinking beacon, your overwhelming focus, will trick you. The light you seek should always be green. The light inside you should be red. Somewhere between is where reason should  flicker. You’ll then know when to change the path to the green light. Or perhaps you’re focused on the wrong dock. The wrong light. There’s more than one green light out there. Find them all. Know when to change the bulbs, change the focus, move to other docks.

The phone will ring. You’ll attempt to exit the pool, complete the illusion.

And that may be the worst possible outcome.

Gatsby died with hope, from eternal hope.

Create life through hope. It’s healthy in doses.

Realize when hope is not enough.

Run faster, stretch your mind, move past your comfort zone, stretch your arms.

Know when hope creates illusion, self denial.

Because then you’re in the pool.

And going under.

“Gatsby believed in the green light, the orgiastic future that year by year recedes before us. It eluded us then, but that’s no matter- tomorrow we will run faster, stretch out our arms farther…And one fine morning-“

How to get over, over. A Survival Guide for Riding Life Rails.

“If you keep crying, they’re going to mug us. Or worse!”

F train

It was my good friend Michael. And Me. A duo. Buds. – in the grip of a humid, restless haze. Saturday morning at 11. August, 1974. Off to a Coney Island adventure. My idea.

Bad idea.

 On an elevated subway. The “F” line. Nothing smelled Brooklyn summer like stale urine, heat and metal grinding as the train made its regular stop at the Avenue U station.

“This is going to be so great,” Michael said as we sat.

Then I noticed them. After a few seconds. It was too late.

The travelers.

Two cars down. Then one.  Even though the yellowed, scratched Plexiglass of the exit doors between cars kept bouncing, turning, as we headed closer to the destination, I could see them. Trying to get over. Over other riders. Fear and intimidation were the first weapons of choice. And if they weren’t getting anywhere, most likely a weapon was waiting – ready to make an appearance. Usually a knife. Stiletto blade. Sharp. Sharpest.

I glanced over at boy wonder. Staring out the window. He could barely stay in his seat. Turning his head toward me, talking rapidly about all the cool things we would do in urban America’s (in)famous amusement park. Michael was younger. Two years. Unaware of the travelers. I chose not to alarm him – It was too late anyway. The psycho train had left the station. Next stop was an eternity away. Best now to figure a way to get over, over the travelers. 

Two of them. On my fear radar. I felt panic rise and settle in my throat. I couldn’t swallow. No matter how many times the travelers find you there’s fear and panic. There’s a throat collapse.

Frequent riders had a sixth sense about this stuff. They always knew when travelers were closing in. After a few trips, you just felt when their cold shadows were near. They rode the rails at all hours. Young, angry, looking for prey. Money mostly. But if you set them off and god knows what set them off, they would hurt you. Urban train ghouls.

Michael kept squawking  One long excite-ence. Strings of syllables peppered with exciting thoughts – rides, games, food,  more rides, games. food! It all comforted me. Nobreathinbetweenwords. His energy was contagious. This morning I needed to catch it. His positive vibe was my strength.

“Where you kids headed?”

We looked up. Travelers above us. Facing us. Towering over, over our minds, our thoughts. Overwhelming. They were kids too – but old. Old, evil souls. Having the upper hand must age travelers. I kept a mental note.

Michael knew quick. I could see it in his face. Fast learner. His excitement stopped. It was there and gone. In a second. From chatty to quiet. Split-speed breathless. I thought I could hear his heartbeat. Or was it mine?

“We’re headed to Coney Island.” I threw in: “Our parents are meeting us at the station.”

I could see the parents commentary threw them off a bit. They weren’t expecting that. Time to throw another blow before they could continue their terror-sales pitch. You see, years ago, travelers would warm you up to a mugging. Feel you out a bit. You can detect them – mentally processing a next move. Go in for the take or travel on. To others. Was it worth it this time? Could I hold a poker face? Who would win the game in the tunnel shadows? I looked down casually. I could see the switchblade. Gleaming white, oyster-like handle. I slowly, casually, moved my eyes higher to meet theirs. The travelers.

“Yea, my father is a cop. He works Coney Island. Tough dude, too.”

I could see progress. It was working. I was calm, collected. Solid delivery. It was all in the delivery. The belief. The get over, over was in the belief. Then delivery.

But

Michael.

He can’t get over, over.

Shaking, sobbing. Slobbering. Strengthening the travelers. Crawly traveler fingers working toward the knife.

“So your daddy is a cop, huh,” Traveler #1 snickered.

I maintained my composure. Surprisingly calm. Living in the moment.

“Yes, a good one. For years. He’ll be waiting for us at the station.”

In my mind, “dad” became, he WAS: Roy Scheider in “The Seven-Ups.”

Bad ass.

seven ups

Then it happened…

An over, over.

Random Thoughts:

1). Decide. Now. Right Now. Who Get’s Over, Over: – Life will overwhelm you. Ride over you. It’s a bitch traveler. We are travelers. You’re a traveler. Looking to get over. But who gets over, over? Who wins? You must. Size up your overs. They are in your life now. They’re there every day. A mindless boss is an over, a partner who saps your strength, a person who says they care, then they don’t, the guy who cuts you off in the parking lot. All travelers. Your mind is the ultimate traveler. Ready to knife you unless you can get over, over. Until you can convince it not to. True belief. Cool delivery. Think ahead. Work backwards.

Analyze a situation from the conclusion you seek and work backwards to create steps to get over, over. Oh, you’re in for a mugging. You can’t avoid it. It’s ok to be Michael. To wobble. To sob. Until it’s time. To turn it over. In your mind build the over, over muscle. Keep fighting. You will die without the over, over. Or face a life worse than death. Always afraid of the travelers.

2). Someone is going to get hurt in the over, over. Blood will spill. Your blood will run because you ride both tracks. To and from your destination the travelers await. You must board the train knowing the over, over is a healer. You’ll live to ride again. More aware of travelers than ever before. Cold shadows – warm now. You’re behind the over. You’re strong enough to get over, over. What’s in store for you on your next trip? Your next business venture? Failure is an over. How do you get over, over to succeed? How will you climb the carcasses, ghosts of past travelers?

3). Get over, over your financial derail. A mistake you can’t get over. Because you make the same mistake consistently. You sit on losing investments thinking they’ll “come back.” You can’t get over, over. Intel was at 90 bucks a share in 1999 and it’ll over, over at 100 again. Your cost basis is a traveler. Anchoring in on the price you paid for an investment is a mugger. It robs you of money. Instead of experiencing the cut, the blood, you sit and wait. Forever. When the money could have been over, over in a winning investment.

Michael was crying. Still.

“And what about you fat ass? Is your dad a cop, too?” Traveler #2 laughed. Directed his question. In Michael’s face.

“No,” Michael said. My dad is in the army. And he taught me something.”

Suddenly, Michael was standing. He grabbed the knife handle sticking out of Traveler #1 pants. Out of nowhere. Suddenly. He had the blade exposed in a second. Moving it rapidly, slashing at the cold shadows.

Red. Traveler #1 – Cut. Shocked. An over, over.

More red. Traveler #2 cut. Slashed on the forearm. More over, over.

Even. More. Red. In the over, over I was cut. Below the right ear. Blood will indeed spill in the over, over.

The wounded travelers fled. Gone. Michael was shaking. He dropped the weapon. I didn’t know. His dad taught him how to fight. How to disarm. The crying was a tactic for Michael. He was working backwards, acting vulnerable. Until the over, over.

“Did I do good? Your talking gave me time to think.”

I hugged him until we reached our destination. The candy. The rides. The happiness in the over, over.

I remember.

I know.

We create fear.

In others.

In ourselves.

You can feel it coming.

We are the travelers.

You are the over.

Work backwards.

Disarm the travelers.

Surprise them.

Feel fear move on.

Watch it flee.

Embrace it on the next trip.

You’re now over the over.

There’s peace.

And a great ride ahead.