I suspect that Cynthia Mullis intended these remarks for me
alone, but, like Beth Benoit, was caught by new-style TIPS
posting. No harm done (no titillating unintended indiscretions
for us to enjoy in either case, I regret to say), but I thought
I'd reply in public, mostly because I'm hoping to amuse.

On Wed, 16 Jan 2002, Cynthia Bainbridge Mullis, Ph.D. wrote:

> Steven - My husband is a financial advisor, so I'm forwarding your email to
> him.  He can respond to your points better than I.  My guess is that, in
> the main, he will agree with you.  I'm also guessing that he will tell you
> to do nothing with your TIAA-CREF fund <snip>

Dear Cynthia:

Thanks for the helpful information. But you didn't notice one
essential detail about me. I'm a Canuck, and TIAA-CREF means
nothing to me. Now, if you want to talk about RRSP and RIFF, I'm
your man, not to mention REER, which is the way we say it here
in Quebec. But just remember, Canada is the only country in the
world that refers to its basic monetary unit as the "loony", a
telling comment on our financial system.

As well, incorrigible sceptic and debunker that I am, I eschew
all financial advice as untrustworthy (although I agree with you
that advice from brokers deserves to be treated with particular
suspicion). I'm happy in my belief that it's all a crap shoot
anyway, so you might as well invest in fun companies. My example
of a fun company is a local one which has inserted spider genes
into goats, so the milk from these spidergoats can be spun into
"biosteel".  The mind boggles.

-Stephen

------------------------------------------------------------------------
Stephen Black, Ph.D.                      tel: (819) 822-9600 ext 2470
Department of Psychology                  fax: (819) 822-9661
Bishop's University                    e-mail: [EMAIL PROTECTED]
Lennoxville, QC
J1M 1Z7
Canada     Department web page at http://www.ubishops.ca/ccc/div/soc/psy
           Check out TIPS listserv for teachers of psychology at:
           http://www.frostburg.edu/dept/psyc/southerly/tips/
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