The article below is from January 2002 Retirement Life. I think you will find it interesting and worth the time to download and read. It is a bit over 1 MB in size so with a 56k modem will require about 2 or 3 minutes to download. You will need Adobe Acrobat installed on your computer to view this file. If you need the free Adobe Acrobat reader it can be downloaded here.


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