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Technology Stocks : Semi Equipment Analysis -- Ignore unavailable to you. Want to Upgrade?

To: willcousa who wrote (42685)	1/14/2009 4:42:53 PM
From: sixty2nds	Respond to of 95525

Another key in retirement planning is the "Emergency Fund." 3 - 6 months expenses in a place where it can be retrieved fast. Way to many people skip this and go straight to mutual funds or stocks.

To: willcousa who wrote (42685)	1/14/2009 4:50:06 PM
From: Donald Wennerstrom	Read Replies (2) \| Respond to of 95525

I think both you and Kirk have imparted good wisdom, and for those who carry them out, they are probably OK. Everyone however, does not always do the right thing. In the practical everyday worker's world, his or her retirement money gets handled in many different ways and many times it is given to those who quote "manage their money for them", or they do it themselves but not with the knowledge and rules that you both have presented. The latest I heard, the stock market overall has lost 2 TRILLION dollars in this past downturn. Some people during this down turn have actually made a lot of money because they knew what they were doing, and followed thru and did it. Overall however, the 2 trillion is gone and somebody(s) lost it. It is not there! Their stories are what you can read in the newspapers and hear and see on TV. For those people, no matter how they lost it, life is not so bright as it once was. Don