The Daily Dow FOOL GLOBAL WIRE by Robert Sheard (TMF Sheard) LEXINGTON, KY. (Apr. 25, 1997) -- Can you spare two bucks? Can you spare two bucks every day? As hard as it may be to believe, with two bucks a day, you can either buy a designer coffee on the way to work, or you can make yourself a millionaire. That's right, a millionaire. Let's say you're young and just getting started on your retirement fund. If you funded an IRA with that two bucks a day (only $730 a year), stashing the new $730 each year into a self-directed IRA with the Dow Approach, you could retire with an IRA account of more than $1 million (assuming an annualized return of 20%). There are, of course, a number of assumptions behind this projection, most of them conservatively in your corner. The first is that the approach continues to generate 20% returns. Since it's performed better than that for the last two-and-a-half decades, it's not out of the question that it can continue to do so, but there's always the chance it won't. No guarantees about the future. You should also be able to earn a little interest on your two bucks a day, so the $730 figure may understate (ever so slightly) your real return. But more importantly, you're probably going to be able to save more than $730 a year in the future. Surely ten, twenty, thirty years down the road your earning ability will have increased (one hopes more than by simple inflation) and that you're socking away even more than the example. Take the same scenario, but assume a $2000 investment each year ($5.48 a day). Your 30-year total value rises to $2.8 million. What about $5000 a year? $7.1 million. (Of course, to do this tax-free requires more than just an IRA, but you get the picture.) What this amounts to is that it's not that hard to make yourself wealthy. Start now and save as much as you can as often as you can. Once you've topped out all the tax-free investment opportunities available to you, start a regular brokerage account. Even after taxes, your money will still be growing. What's important is that you start and stay with a program. Time makes a huge difference. Make the time now to let it work for your future. (c) Copyright 1997, The Motley Fool. All rights reserved. This material is for personal use only. Republication and redissemination, including posting to news groups, is expressly prohibited without the prior written consent of The Motley Fool. ________________________________

The Current BTD 10 AT&T <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:T)") else Response.Write("(NYSE:T)") end if %> *Philip Morris <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:MO)") else Response.Write("(NYSE:MO)") end if %> *Intl. Paper <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:IP)") else Response.Write("(NYSE:IP)") end if %> * Exxon <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:XON)") else Response.Write("(NYSE:XON)") end if %> *General Motors <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:GM)") else Response.Write("(NYSE:GM)") end if %> Chevron <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:CHV)") else Response.Write("(NYSE:CHV)") end if %> Eastman Kodak <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:EK)") else Response.Write("(NYSE:EK)") end if %> Minnesota Mining <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:MMM)") else Response.Write("(NYSE:MMM)") end if %> J.P. Morgan <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:JPM)") else Response.Write("(NYSE:JPM)") end if %> DuPont <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:DD)") else Response.Write("(NYSE:DD)") end if %> NOTE: Foolish four stocks are preceded by an asterisk. Updated Daily

1997 Foolish Four Model Stock Change Last -------------------- T + 1/4 31.13 GM - 5/8 54.88 CHV - 1/2 65.75 MMM - 3/4 85.38 Day Month Year FOOL-4 -0.35% -4.98% -9.06% DJIA -0.79% 2.36% 4.51% S&P 500 -0.75% 1.09% 3.33% NASDAQ -1.53% -1.02% -6.33% Rec'd # Security In At Now Change 1/2/97 120 3M 83.00 85.38 2.86% 1/2/97 153 Chevron 65.00 65.75 1.15% 1/2/97 179 Gen. Motor 55.75 54.88 -1.57% 1/2/97 479 AT&T 41.75 31.13 -25.45% Rec'd # Security In At Value Change 1/2/97 120 3M 9960.00 10245.00 $285.00 1/2/97 153 Chevron 9945.00 10059.75 $114.75 1/2/97 179 Gen. Motor 9979.25 9822.63 -$156.63 1/2/97 479 AT&T 19998.25 14908.88 -$5089.38 CASH $431.29 TOTAL $45467.54

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