RETIREMENT PLANNING

If you had purchased $1,000.00 of Nortel stock one year ago, it would now be worth $49.00.

With Enron, you would have $16.50 left of the original $1,000.00.

With WorldCom, you would have less than $5.00 left.

If you had purchased $1,000.00 of Delta Air Lines stock you would have $44.00 left.

If you had purchased United Airlines, you would have nothing left.

But, if you had purchased $1,000.00 worth of beer one year ago, drank all the beer, then turned in the cans for the aluminum recycling refund, you would have $214.00. Based on the above, the best current investment advice is to drink heavily and recycle.

This is called the 401-Keg Plan.

"Live simply, love generously, care deeply, speak kindly,
and leave the rest to God."