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To: stan_hughes who wrote (357492)	2/13/2008 12:51:12 PM
From: Bid Buster	Read Replies (1) \| Respond to of 436258

You may be missing something more obvious like the reduction of high commission charges and the advent of online brokerages that tore down any barrier of entry into the game.

To: stan_hughes who wrote (357492)	2/13/2008 1:12:08 PM
From: LTK007	Read Replies (1) \| Respond to of 436258

<<however, as those boomers start to wind down toward retirement, cease investing new funds and then eventually need to cash out, the whole mechanism gets thrown into reverse, and the tailwind of the past 25 years turns into a headwind>> First born baby boomer has received her first check--it has begun:) Dated 2/13/2008 <<'First Baby Boomer' Receives First Social Security Benefit The nation's first Baby Boomer became the first of her generation to receive a Social Security retirement benefit on Tuesday, the Social Security Administration announced. Kathleen Casey-Kirschling was born at one second after midnight on January 1, 1946, and received her first payment by direct deposit. Baby boomers were born between 1946 and 1964. Over the next two decades, nearly 80 million Americans will become eligible for Social Security retirement benefits, more than 10,000 per day on average. The federal government has been urging Americans to sign up for direct deposit for their Social Security retirement benefit. >> hr.blr.com "Direct deposit is a win for everyone," said Judith R. Tillman, commissioner of the Treasury Deparmtent's Financial Management Service (FMS). "For the last three years, Treasury has led a campaign called Go Direct to educate Americans about the many benefits of direct deposit. We at Treasury congratulate Kathy on receiving her first Social Security payment and on her decision to Go Direct."