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Retirement Planning  
 
Some tips for retirement planning from an expert in the industry:  
 
If you had purchased $1000.00 of Nortel stock three years ago, it would now be worth $49.00.  
 
With Enron, you would have had $16.50 left of the original $1000.00.  
 
WorldCom, you would have less than $5.00 left.  
 
But if over the last three years you had purchased $1000.00 worth of beer, drank all the beer, then returned the cans or bottles for your refund you would have about $ 50 .00.  
 
The Crocus Fund would have done better, if you invested $2,000, 5 years ago it would be worth $1,000 today, but you cannot cash it in.  
 
So based on the above, the best current investment advice is to drink heavily and recycle.  
 
This will work for me.