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Cover Story August 26, 2004


foreword by lyle e davis


In today's fast paced society we donít take the time to write letters like we used to.  And when we do, we often make a pretty poor job of it.  It has become a lost art.


We men are probably the worst when it comes to writing letters.  Particularly love letters.  I suppose, in part, itís due to our inability to express our deepest emotions and feelings.


What follows is the most beautiful Love Letter I've ever read or heard. 


Please enjoy.








Retirement Planning


If you had purchased $1000.00 of Nortel stock one year ago, it would now be worth $49.00.


With Enron, you would have had $16.50 left of the original $1,000.00.


With WorldCom, you would have had less than $5.00 left.


But, if you had purchased $1,000.00 worth of Beer one year ago, drank all the beer, then turned in the cans for the aluminum recycling REFUND, you would have had $214.00.

Based on the above, current investment advice is to drink heavily and recycle.


It's called the 401-Keg Plan