Shantih, Shantih, Shantih – The Peace That Passeth All Understanding

Thomas Stearns Eliot was awarded the Nobel Prize for Literature in 1948 for his outstanding contribution to the world of present-day poetry. One such pioneering work of his is The Wasteland. For Eliot, the wasteland symbolizes that area of human life where men exist without a guiding faith, where men have turned their backs on spiritual enlightenment, and the title points to this dilemma.

The poem, divided into five parts is thus fragmented, lacking in logical continuity and time sequence, and is a projection of the psychological oscillations and conflicts which raged in the soul of man in the early twentieth century (the situation is no different today). Eliot felt that Western civilization had become mechanical, dull and dehumanized. Corruption, degeneracy and stark materialism were rampant. In this broken fragmented world, nothing could be integrated.

Despite the poem being a patchy kaleidoscopic entity, it is held together only in the all-embracing prophetic vision of Tiresias, the bi-sexual blind seer of ancient Greek tragedy, and what Tiresias sees is the substance of the whole poem. Psychologically speaking, he is the conscious of humanity. As a symbol of the past still surviving in the present, the old Tiresias, “with his wrinkled female breast” has foresuffered all that is being enacted in the ugly stage of the contemporary world.

He transcends the barrier of time and place with swift flashes embracing with his empty gaze, now a scene in the present – the images of “the ruins of the falling London bridge”, a “taxi throbbing and waiting”, to epitomize the life of an immoral and wanton twentieth century typist, as also of the past – Dante’s inferno, the amorous sport of Cleopatra, Elizabeth, and brings out in our mental image the enormity of the sin committed by the mythical king Oedipus of Thebes – the drought-and-sin ridden land – in his sexual violation of his mother Jocasta, and of the necessity of purifying the sinner’s soul through suffering.

In The Wasteland, the images and symbols fall broadly into two categories: the images taken from the common aspects of urban life but raised to great intensity (the throbbing taxi image), and the symbols from myth, nature and religion – these being centred in the theme of death and rebirth. Thus drought is symbolic of spiritual dryness, and rain of spiritual fertility. However, certain objects may symbolize two opposite ideas based upon their functions. Thus, water is, on the one hand, a symbol of creation – of life and growth, of purification and transformation, in the form of a river or sea and, on the other hand, it is also destructive of life and property. Similarly, fire as a destructive agent, is a symbol of lust which consumes a person to a state of “living death”; but fire, as the sacred altar-flame, is also a symbol of inspiration, illumination and spiritual exaltation. Eliot constantly plays with ambivalent images.

Of the post-war European society, its spiritual sterility is conveyed by the symbol of a stony and barren soil. The idea of a stalemate, of life come to a dead end, is conveyed by the symbol of the “game of chess”. The idea of life as meaningless, dull and languid movement in a narrow circle is conveyed by the image “we are living in a rat’s alley where dead men lost their bones”. The idea is reinforced by the images of squalor and vulgarity, as for instance, the river sweats oil and tar and carries along its current the dirty freight of empty bottles, cigarette ends, silk-handkerchiefs and other testimonials of summer parties and sexual encounters between city-nymphs and their chance paramours.

The theme of barrenness, decay and death is woven with the quest for life and resurrection which Eliot found in the legend of the Holy Grail and other anthropological myths, with a sprinkling of Christian, Buddhist and Hindu religious analogies, and the sense of release from this state and of freedom is conveyed by the image of a boat gliding smoothly under the expert hand, God, who brings to balance all the reverses that man has done in the stupid belief of his superiority, and thus, of self aggrandizement.

The Wasteland is Eliot’s spiritual autobiography, his search through the junkheap of modern culture for an integrating principle just as you would have a Pilgrim’s Progress (From this world to that which is to come, by John Bunyan). Eliot’s vision moves backwards and forwards with a relentless shuttling movement over legend, belief and symbol. And, in the end, the pilgrim, now seemingly a solitary figure, walks on. The grass is “singing” and there comes a damp gust bring rain”, symbolic of rejuvenation, of resurrection. Three claps of thunder are heard, and the voice of the thunder, in Sanskrit, offers three words of advice: “Give, Sympathize and Control” – “Shantih, Shantih, Shantih”, the peace that passeth all understanding. Eliot sees the solution to human situation in Hindu religious term.

Eliot forces the problem of the wasteland on us because we, whether we know it or not, are the citizens of the “unreal city” and we must find our Grail – the platter used by Jesus at the Last Supper and in which one of his followers is said to have received His blood at the Crucifixion.

Options for Entrepreneurial Retirement – Gaining A Real Peace of Mind

At some point in every entrepreneur’s life, they have dreamed of starting their own business. When that newly minted entrepreneur steps away from corporate employment and into the wild west of self-employment, they take on the full responsibility of their financial destiny. Gone are the days of contributing to a matching company 401k plan.

These small business owners are now responsible for setting up and contributing to their retirement plan. According to a recent TD Ameritrade survey 7 in 10 self-employed people are not regularly saving (if at all) for retirement. I recently spoke with Heather Banks, a Certified Financial Advisor with First Bank Wealth Management in Asheville, NC. Heather shared with me her impressions of how retirement savings has shifted over the years. “For too many years, U.S. citizens have been reliant on social security benefits to fund their retirement. Social security is simply not capable of fully funding a retirement with any realistic expectation of maintaining the lifestyle they grew accustomed to during their working years. It is vital that small business owners take advantage of the retirement benefit options available to them, and work with financial professionals (financial advisors, accountants, etc.) to determine which option is the most beneficial for them.”

There are several programs a self-employed person can utilize to help them achieve their retirement goals.

SEP IRA(Simplified Employee Pension plan) is a retirement plan that allows a self-employed or solo-entrepreneur person to make pre-tax donations. It is a plan that is similar to a traditional IRA. It does, however, allow you to have a much higher contribution level. This type of program is one of the easiest of open and maintain. Most banks and investment firms can help your open and maintain this kind of account. With this plan, you can contribute as much as 25% of your net earnings from self-employment. The contribution limit for 2015 is $53,000. The deadline to open an account is April 15th following the tax year.

ROTH IRA is a retirement plan where the contributions you make are not deductible in the year that the contributions are made however they grow tax-free and are not taxed when they are withdrawn. The maximum contribution in 2015 is $5,500 if you are under the age of 50 and $6,500 if you are over 50 years old. These amounts begin to phase out for high-income earners who make $116,000 (single/head of household) and $183,000 (married). The deadline to open an account is April 15th following the tax year.

SIMPLE IRA Plan (Savings Incentive Match Plan for Employees) is a deferral of the compensation plan. It is easy to open and maintain with banks and investment firms but keep in mind it has a lower contribution limit. This plan is good for businesses where the owners have other income sources as it allows them to set aside a larger percentage of profit. You can put all of your net earnings from self-employment in the plan up to $12,500 in 2015 through salary reductions. If you are over the age of 50, you can increase your donations by $3,000. The employer can also contribute up to 3% of employee’s contribution. This plan is best for self-employed people with fewer than 100 employees. The deadline to open an account is October 1.

The SOLO 401(k) Plan is easy to open and requires little maintenance. It is designed for companies without employees and, therefore, the program is only available to the owner and his/her spouse. This plan follows the same rules and requirements as any other 401(k) plan. You can make salary deferrals up to $18,000 in 2015 plus an additional $6,000 if you are over the age of 50. If you hire employees and they meet the plan eligibility requirements, you must include them in the plan, and their elective deferrals will be subject to nondiscrimination testing. The deadline to open the account is December 31. The program will be required to file an annual report with the IRS if it has $250,000 or more in assets at the end of the year.

For more information on each of these plans, I recommend you contact your local Certified Public Accountant and Certified Financial Planner. They will be able to help you choose which plan is best for you. I agree with Dave Ramsey, who said “I believe that through knowledge and discipline, financial peace is possible for all of us.”

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