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Fall 2001 Summer 2008 Winter 2013
According to Albert Einstein, the hardest thing in the world to understand isn’t relativity it’s income tax. And the genius has a point.
With wet eyelashes, Reachel walked out of her bedroom and found a stranger sitting in her apartment. The guy casually resting his elbow on the couch was Andrew, a friend of her roommates. 
Throughout my life I’ve spent countless summer weekends at my parents’ cabin in the Uinta Mountains, where in the early days there was no electricity or indoor plumbing and almost every evening was spent playing games around the kitchen table until the generator would run out of gas.
As he listened to Britt Berrett speak on the first day of class, Joseph Mount had the distinct impression he was looking at his future employer. Berrett’s passion for health care was unmistakable, and Mount wanted to be a part of it.
Cameras flashed as reporters jostled for position. This was the biggest story of the year: Kenneth Lay was surrendering to the FBI. Slapped with a slew of charges alleging he falsified statements to hide billions in losses, Lay’s arrest marked the end of Enron’s empire.
With each new year comes the inherent round of goal setting. But sometimes our aspirations turn from motivating to frustrating, stifling our desire to act. We all want to create positive changes in our lives, but what makes a goal more than wishful thinking?
Last August I was at a landfill site in So Paulo, Brazil. It had been a dump where people sorted through garbage looking for valuable items so they could put food on their tables.
At age ten, Kent Andersen set his sights on being a doctor. He never once doubted his future in medicine—that is, until he submitted his medical school application. To the shock of friends and family, Andersen decided being a doctor wasn’t what he wanted to spend his life doing after all.
With the exterior complete and the interior finish work picking up pace, the Tanner Building Addition is quickly coming to life.
The retirement question often surrounds how much money you’re making, saving, and spending. It’s all about the time when work ends and, presumably, fun begins. You’ve either been stashing cash away, buying stocks, or even building a family business with the possible goal of selling it and enjoying retirement. Yet once retiree life begins, the financial work doesn’t suddenly end. The question now becomes: How will you make your savings last so you don’t run out of money before you run out of life?
If you think about the decisions you make between the ages of eighteen and thirty, you’ll realize they have a fundamental impact on where your life actually ends up.
I own two small companies. It’s hard to pay myself benefits, let alone all my employees. The first thing to look at is making sure they are paid a competitive wage, then add vacation/holidays and keep within reason. Next, they might need health insurance, but if the spouse is working elsewhere and is covered, we can sometimes eliminate it. Finally, you might look at adding tax deferred savings plans and insurance. Since both my companies are retail, we offer very steep discounts to employees. It has been my experience that most people working for small companies do not expect superb benefits. Also, in order to keep costs down, you must do a lot of shopping.