Lead Article
During periods of distress in the capital markets we often hear from investors who, rather than hold a portion of their portfolios in common stocks, tell us they plan to hold cash, in order to “wait to see what will happen” and later “get back in when things are more certain.” We understand their apprehension in light of world news, but the fact is such a day will never arrive. We hasten to add that uncertainty is hardly a bad thing; without it, after all, we would expect no additional return . . .

Inside This Issue
Modern Media Hyperbole vs. Social Science
Are You Ready to Retire?
The Ins and Outs of College Financial Aid
The High-Yield Dow Invesment Strategy
Recent Market Statistics
Recommended Investment Vehicles