yap... got scare to show for it... but it is nice to have all the  
info send to you so you know what is going on... even it hurt a lot..  
(use to buy 2 share of my customer's company stock, just to know  
where they come from in a "big picture"... and told them - "I am your  
boss now... treat me nice" ;-).
        jk
On Jul 1, 2015, at 2:59 PM, Louis Hart wrote:

> The point about company stock is important. I read part of a book  
> by William Sharpe (Nobel prize winner from Stanford) about 8 years  
> ago in which he, in his unique writing style, effectively says it  
> is a bad idea to buy stock in a company you work for.  Louis Hart
>
> -----Original Message-----
> From: TechNet [mailto:[log in to unmask]] On Behalf Of Stadem, Richard D.
> Sent: Wednesday, July 01, 2015 2:12 PM
> To: [log in to unmask]
> Subject: Re: [TN] [NTC] Explaining Benefits
>
> I absolutely agree. The only other thing I would add to this is  
> diversify, diversify, diversify. Don't put all of your funds in a  
> single 401K, and within that 100% into your company's stock!
>
> -----Original Message-----
> From: TechNet [mailto:[log in to unmask]] On Behalf Of Lamar Young
> Sent: Wednesday, July 01, 2015 1:07 PM
> To: [log in to unmask]
> Subject: Re: [TN] [NTC] Explaining Benefits
>
> Doug,
>
> I think the best way is to visualize the value of compounding.   
> I've seen a lot of graphs over the years, and found this one in a  
> Forbes article.
> Basically if one saves for the first 20 years of employment, you  
> could almost stop if you wanted to without dramatically impacting  
> your portfolio.  The challenge is for young people to not run out  
> and buy new cars, houses, etc. right out of college and get locked  
> in to spending all their income.
> There was a good commercial by some investment firm a couple years  
> ago - it looked like a commercial for a luxury sports car but  
> instead told how much the money spent on the car would be worth at  
> retirement.  It is all about opportunity cost.
>
>
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