Enjoy life or endure it


Some people refuse to embrace the future, a sad, regrettable choice. I still remember reading about a woman who lived destitute, picking up clothes at a clothes closet, begging for food, and finally wasting away alone at a nursing home. But after her death, authorities discovered she had left behind more than a million dollars, including $800,000 in cash and several hundred shares of valuable stock, stored away in two safety deposit boxes.


Another example of failing to live with an eye on the future comes from a bequest made to BCH. It involved the estate of John Duncan, a man who did not trust banks. When he could not persuade his friend, Bob Lotz, to take $8,00