Ecclesiastes 1:3: What do people gain from all their labours at which they toil under the sun? We've heard the expression and maybe the Hoyt Axton song: work your fingers to the bone and what do you get? Boney fingers. Or maybe we've heard Tennessee Ernie Ford's version from an older song? You load 16 tons and what do you get? Another day older and deeper in debt. The city of Detroit went bankrupt a couple of years ago. The Detroit Free press last year ran articles on the effect of the city's bankruptcy on pensioners. Some people had to all of a sudden find private health insurance of almost $1000 a month where it was covered before. In Canada pensions that people are working for are not necessarily much more secure. Our country has talked about raising the retirement age to 67 instead of 65 and many people my age and younger have lamented that they may never be able to retire. Hoyt Axton: You work your fingers to the bone what do you get? Boney fingers. Tennessee