Page 176

But as soon as I buy a house I don't think I can own bonds tax-free. So I may want to "shelter it" then.

THE POINT IS NOT TO INCREASE RISK, BUT TO SAVE ON TAXES!

So still no reason to do options. So Margin is not same as using options!

Looked through this book for what I've done since last progress report, 11/3. Comments:

1) What is the difference in Me/Microsoft between the time I started SORT + NOW:

a) I don't want to program as much as I want to learn human things: games/strategy, cooking, etc. I want to lead (MGT - more shares (at May review)) now, or at least guide in verbal strategy reports like the Pers Acct Design. Go for pdt line.

b) I'm more tired of Seattle. (BUT LOCATION DOESN'T AFFECT INTENSE WORK. SEATTLE CAN BE FUN.)

c) Microsof sees a lot more $$ in PA than in SORT. (MARKET SHOULDN'T AFFECT ME, POS OR NEG.)

d) PRogramming will stunt my growth financially (get bonus for coding) + psychologically (it's only 3 months!) I feel that more now.

KEY - But I need to learn Multitool env't + [?]