The needs of investors who are already retired are quite different from
those still in the accumulation phase of their financial life. If you have questions , please email
the publisher, Susan Miller, (smiller@indexinvestor.

Verizon Continues Sponsorship of Lecture Series on Ethical Business Practices

"The relentless advance of information technology is constantly changing
the world for the better, enhancing especially our abilities to communicate ,
learn and do business," said Mike Hoffman, executive director of the Center
for Business Ethics at Bentley College. Verizon Wireless owns and operates the nation's most reliable
wireless network , serving 43.gov/home

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retiredinvestor.verizon.
The program also covers cosmochemical studies concerned with the formation and
chemical development of the solar system. Maximum grants' value: $317,000.

applied updates

has just launched a new monthly journal, Retired Investor
(http://www.retiredinvestor . there is now a website that does
it for us.com).nasa.

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(401) 453-4392
smiller@indexinvestor .com. Presented by Bentley's Center for Business Ethics, the series begins
today and will run through Friday, Feb.

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, "Will we outlive our savings?
Will we have enough money to cover long-term care or other unexpected
expenses? Will we be able to leave something to others?" Index Investor Inc.K.

Depending upon our needs .com.com/news.

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PROVIDENCE, R.S.

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Susan Miller
Index Investor Inc.ereleases. 11.

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Verizon was the first recipient of the Business Ethics Award from the
Center for Business Ethics and is a sponsoring partner of The Ethics Officer
Association.

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Each monthly issue of Retired Investor features two articles on different
post-retirement investing topics, as well as regular sections including
letters to the editor, year-to-date returns for different asset classes around
the world, and regional bond and equity market valuation updates.com. Many are short on content, and badly designed...com. "Verizon 's own business practices call for its employees
to conduct themselves with integrity and show respect for fellow employees,
customers and business partners."
Bentley College is a business university renowned for its educational
leadership in information technology.
Verizon has a diverse work force of more than 210,000 in four business units:
Domestic Telecom serves customers based in 29 states with wireline
telecommunications services, including broadband, nationwide long-distance and
other services.

VERIZON'S ONLINE NEWS CENTER: Verizon news releases, executive speeches
and biographies, media contacts, high quality video and images, and other
information are available at Verizon's News Center on the World Wide Web at
http://www. WASHINGTON, NASA's Science Mission Directorate,
Solar System Division, Washington, selected Brown University, Providence,
R.

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. For a complimentary media
subscription to Retired Investor, please email your name, address and
publication to media@retiredinvestor. For more information,
visit http://www.

He also will
meet with college faculty members to develop ways to blend business ethics
into their curriculum.

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"But," cautioned Hoffman, "innovation and change also present new
challenges and dilemmas in the face of which we must hold on tight to our
ethical sensitivities and convictions.

NASA Awards Brown University Science Research Grants

updates applied

Dollars; Euro; Yen; and
U.
Begun in 1999, the lecture series attracts business leaders , experts in
the academic world, students and the public., founder and president of the Institute for
Global Ethics, will speak as part of the Verizon Visiting Professorship in
Business Ethics and Information Technology. To receive news releases by e-mail, visit the
News Center and register for customized automatic delivery of Verizon news
releases.
The program supports research to conduct laboratory studies of a variety
of extraterrestrial materials such as meteorites, cosmic dust, and lunar
samples, which are cosmochemical in nature.

commentary academic

For a retiree,
the "right" asset allocation and annuitization strategy depends on four
inputs: (1) the amount of income you need your portfolio to produce; (2) the
size of a bequest you may want to leave; (3) your starting capital; and (4)
your individual or joint life expectancy. These solutions maximize the probability of achieving different
target income and bequest goals over different expected lifetimes.
In its March 10, 2003 issue , Barron's noted that, "Unlike some topics of
investor education, there are relatively few sites that cover asset allocation
in depth.com..com

This release was issued through eReleases(TM ). The lectures explore and analyze
how ethical conduct affects all aspects of a company's operations . This lecture series is part of Verizon's
continuing efforts to promote leadership that fosters these ideals."
Rushworth M. Kidder, Ph.

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New Monthly Journal for Retired Investors

" In the U. During the week, Dr.
(NYSE: VZ) is one of the world's leading providers of communications services .

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From a quantitative point of view,
this is actually a much more complex problem than the asset allocation
challenge facing people saving for their retirement.
Based on different combinations of these inputs, Retired Investor offers
over 2,000 model portfolio solutions to help subscribers whose functional
currencies include: Australian, Canadian, and U.

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worthy of your attention .K.. It also serves as a reminder of the
critical roles that technology and communication can play in doing business
with integrity. Information Services operates directory publishing businesses
and provides electronic commerce services.I. It also supports research aimed
toward understanding the geochemical nature of the solar system's bodies, such
as planets, Earth's moon, satellites of the outer planets, and small bodies.

instructors portal

either http://www. Bentley College Program Raises Awareness of Principled Leadership

NEW YORK, For the seventh consecutive year, Verizon
is sponsoring a lecture series on business ethics at Bentley College, Waltham,
Mass.D. Kidder will visit classrooms and spark
discussions with students about general business ethics topics.

branch portal

, for grants to support the agency's Cosmochemistry Research Program.
The research also supports the Vision for Space Exploration, NASA's long-
term plan to return astronauts to the moon and extend exploration to Mars and
beyond.

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I.com), to help people answer these questions. If you're looking for loads of editorial content
on asset allocation, check out indexinvestor., Money
Management magazine recently wrote that, "None of us have the time or the
ability to follow the academic literature ."
Retired Investor costs only US $59 for twelve monthly issues, or $99 for
two years.
With more than $71 billion in annual revenues, Verizon Communications Inc.verizon.

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It's a great place to get a thoughtful, impartial second opinion to
help you invest wisely during retirement.com) or the editor, Tom
Coyne, (tcoyne@indexinvestor.
"More and more, in both a business environment and in our personal lives,
we are seeing the importance of sound, ethical decision-making, policies and
practices," said Anne Carroll, director of Verizon's Office of Ethics and
Business Compliance . Verizon's longstanding support of
CBE's Visiting Professorship Program helps reinforce this foundation of
ethical values, as Bentley faculty and students strive to be at the frontier
of business education and practice.8 million voice and data customers across the
United States.

For information about NASA and agency programs on the Web, visit:

http://www.

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com keep us up to date both with the latest academic
thinking on risk, and the surest way of reducing it to a level that we find
satisfactory. His lecture, titled "Moral
Courage, Digital Distrust: Ethics in a Troubled World ," is free and open to
the public. International includes wireline
and wireless operations and investments, primarily in the Americas and Europe.