I finished revamping my mom's retirement plan. She had AMEX and American Funds
mutual funds, which 
have high fees for what they return. The only slogwork lay in determining 
whether it's pension-smarter to take $9k/year forver now, or $12k/year forever, but 
starting in 5 years (it depends on what you think you're after-tax rate 
of return will be). I advised her to take the $9k/year now, as she will be
able to invest it all and we can beat 8% per year over the next 5 years.

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Apparently, hypnosis is <a href="http://science.howstuffworks.com/hypnosis5.htm">doable</a>. Might be fun to try it this weekend.

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