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To: OldAIMGuy who wrote (9625)	12/21/1999 12:22:00 AM
From: SS Heatwole	Read Replies (3) of 18928

Hi Tom Cheese peanut here with an opinion for MW. Everything I have read and heard regarding retirement savings says to maximize pre-tax investments first. MW may want to check at her workplace first to see if there are any retirement programs available. Many employers will match employee contributions, some as high as 50%. Workplace 401K's or SEP's etc. can also offer higher contribution levels than IRA accounts, I think. Failing any program at work, the regular IRA may be the best bet as it is again pre-tax. Depending on MW's tax bracket, the pre-tax IRA should leave a few more $s on the table for living expenses ( or investing) after all is said and done. I dream of genie as well as you, what a nice surprise. Of my magnificent seven, six are doing exceptionally well. Only the steel stock LTV is in the fire:), but I knew this going in and await the turn around. Regards ssh

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