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Pastimes : Ask Mohan about the Market -- Ignore unavailable to you. Want to Upgrade?

To: Joan Osland Graffius who wrote (11433)	12/14/1997 12:39:00 PM
From: Zeev Hed	Read Replies (1) \| Respond to of 18056

Joan, even if I was inclined to short, all my trading is in my SEP accounts, where shorting is not allowed. My "normal" liquidity is invested in various start ups or insurance policies and both of these are always cash hungry. I am wondering on saving rates, are various insurance vehicles (that are really other forms of deffered taxation on earnings) counted as savinghs? All but the term life variety should be counted as such, IMHO, and am wondering if the government statistics does not put this money on the expenses (consumed) rather than the saving column. I do not know if I am a typical example, but I put away about 7.5% of gross into such policies year after year (very conservative). Zeev Z