[SIZE=12pt]Let me start by saying I am now at a point where I am desperately unhappy both at home and at work. This has very little to do with anyone else but me. I am simply very unhappy. [/SIZE]
[SIZE=12pt]I feel I have failed in my career… the job I have is one that lots would probably like to have, but I have absolutely no contact with any clients, no involvement with any planning that takes place, and, frankly, no challenges. I do not really know any of our clients… what their goals are, what their present needs and concerns are… nothing. Every communication I have with a client goes either through ****** ****** or *** ***********. As a result, work is boring as hell and even somewhat demeaning. I tolerate it because it pays well but most days I am absolutely bored and miserable at work.[/SIZE]
[SIZE=12pt]I have lots to be proud of, I suppose. I graduated from Georgetown University (undergrad), passed all four parts of the CPA exam on the first sitting (back in 1983 when one had to know accounting), obtained a master of science in taxation from Bentley University (highest honors), and received a master of science in investment management from Boston University (highest honors), received my CPA designation, along with CFP mark, and CFA charter. Still, I fell very worthless because the work I do is the same work I could have done without having any of that except for the CPA certificate.[/SIZE]
[SIZE=12pt]At age 64, it’s not like I can just so easily change jobs, either. I have child support obligations based on my current income level, and there is no way I would match my current income immediately if I were to switch jobs to do anything else. So I am powerless to make any change in my career and still uphold my child support obligations.[/SIZE]
[SIZE=12pt]I have no friends at all. Never have, really. I chalk a lot of this up to Asperser’s Syndrome, as I just have a very difficult time relating to other people. Very often I could put on a strong front and joke around and make myself appear like I was happy and doing fine, when deep down, I was dying. [/SIZE]
[SIZE=12pt]Combine all this together… I feel useless, unproductive, unattractive, and very much alone. My self-esteem is, of course, very low. [/SIZE]
[SIZE=12pt]The one thing that has helped me to hang on as long as I have is my son, *****, whom I love dearly. He is a boy who absolutely needs me… God only knows why. As for my other two daughters… ****** does not like me, anyhow, and has explained in detail as to why (it has much to do with my getting remarried), while ******** deals with adversity the best of any of them. I am certain ******** will miss me, but I am also fairly certain she will deal with it better than any of the rest. Logan is the one about whom I am most concerned. ***** is a primary reason why I have not taken any action to end my life before now.[/SIZE]
[SIZE=12pt]Most recently, trying to buy a family home in Lexington and being turned down time and again for financing, has only served to reinforce my already deep-seated feeling of worthlessness. [/SIZE]
[SIZE=12pt]These feelings are not new. When I took out two $1 Million life insurance policies (New York Life on January 4, 2013, and Prudential on March 9, 2013), I was skeptical that I might live to the full term of each of these policies. I purchased those policies at that time because my health – both physical and mental – was particularly good at that time, but was unsure how long that status would last. If things went bad for me, I wanted an easy way out that would not leave the rest of my family in dire financial straits…. This was a large reason why I purchased those insurance policies.[/SIZE]
[SIZE=12pt]And later during 2013, I was granted a Class “A” License to carry a concealed firearm. It was never my intention to carry a concealed weapon on a daily basis. Rather, the purpose of obtaining that license was so that I could obtain a weapon with which to kill myself, quickly and as painlessly as possible. [/SIZE]
[SIZE=12pt]Note that each of the insurance policies (New York Life and Prudential) has two-year suicide exclusion period, so I am hoping to live beyond March 9, 2015 so that the full $2 million may be paid to my beneficiaries.[/SIZE]
[SIZE=12pt]There is more insurance on my life that is payable to my ex-wife, ******** *. ******. There is an old late 1990’s vintage term life policy through Northwestern Mutual… this policy would have a death benefit approximating $375,000 right now. In addition, there is life insurance through my employer that names my ex-wife as beneficiary. These policies should pay regardless of circumstances of death. [/SIZE]
[SIZE=12pt]In short this is THE one way I can put an end to my misery AND make sure those who depend upon my income are not left short of money. I just hope I can hold off until after March of 2015 so all the policies pay out as I had intended. [/SIZE]