Sound Financial Planning from Mittelwerk

[Mittelwerk at aol.com]

now, I know you're intelligent and all that, and you have such wonderful
interests. . . . 
but honestly, it's time to give up this infantile foolishness and get serious
about your future.  

Do you really think you can live forever on that offal you call a base
salary?  Really.  You know, and I know, that literature is repression, and
that you're heading for a lonely middle age as that smelly kook down the hall
w/cats, gamely subscribing to the New York Review of Books and The Nation and
other such organs of puerile, debased lack....

let's get serious.  you didn't hear this from me, but I would suggest you
start to invest heavily in long-term capital appreciation equity
funds--particularly in the areas of technology and biotech, emerging markets,
even, when you feel competent to adequately assume the risks.

a couple of good starters would be the Fidelity Select Electronics portfolio,
posting total returns this year in excess of 80%.  It has a five-star rating
from Morningstar and a shrewdly postioned eye towards aggressive growth in
the semiconductor industry.  It's also heavily into DSPs.....  Other tech
funds to look at would be Seligmann's Communication and Information series, A
+ B--but be sure to factor in the load.  

Fidelity Select also offers a wonderful Biotech portfolio, heavily invested
in Amgen and Imclone, and many other companies experimenting with porcine
gene-replacement technology.  (Everybody out there with more than a passing
interest in AIDS should be listening closely!)  While returns in this sector
have been disappointing, it is only due to malign interference from the FDA
and other such self-aggrandizing regulatory agencies who think that God died
and left them boss.  Also, many of the wondrous drugs and immunotherapy
techniques invented by these companies are in late-stage clinical
development; when they hit the market, projected earnings will be high!

i think that's enough for you now.  but remember, i can't do everything:  the
change has to come from your heart.