It was 1903, and Kenya was a mission field yet un-entered by the Adventist Church. That is, until two pastors and their families came from the United States and Malawi, respectively, and settled alongside Lake Victoria.
A financial consultant firm with which I work has developed a concept of life-time capital. Simply put, the idea is that early in life we have a life-time of vigor ‘wealth,’ but we are very short
on other more tangible assets.