Do You Need a Trust? ,
 Schwab Signature Services <http://schwab.ed10.net/ud/6WVD/A4I8/6ZW6/VU/RNP0QV>	 October 2001	   	 
  <http://schwab.ed4.net/htdocs/images/1010/EBSigLogHedbrn.gif>	
	
	In this Edition 
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigbrnBul.gif>	Perspectives
Do You Need A Trust?
Long-Term-Care Insurance: Guarding Your Estate
	
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigbrnBul.gif>	Schwab Market Update
Daily Market Summary
September Market Summary
	
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigbrnBul.gif>	Tool Box
Need to Stay Informed with the Latest Market News?
Is Now the Time For Schwab Bond Funds?
	
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigbrnBul.gif>	News & Announcements
New Margin Rules Affect Some Traders
New Investing Workshop: Planning Your Financial Future
	
	
 Schwab Signature Services e.Bulletin <http://schwab.ed4.net/htdocs/images/1010/EBSigPho001Lft.gif>	 Photo <http://schwab.ed4.net/htdocs/images/1010/photo_sig.gif>	

	Perspectives


  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	Do You Need a Trust?	 
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	Long-Term-Care Insurance: Guarding Your Estate	 
	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	Do You Need a Trust?

Many American families are discovering the benefits of trusts as key elements of estate planning. For other people, however, trusts are unnecessary, complicated and expensive. Which category are you in? This article describes what goes into setting up a trust, with a particular emphasis on estate taxes.

		
	Read the full article <http://schwab.ed10.net/ud/DQ4J/A4IZ/LJPD/AZ/RNP0QV>   |   Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	Long-Term-Care Insurance: Guarding Your Estate

By Charles Schwab

As life expectancies increase and medical care becomes more expensive, many people 50 and older are considering the peace of mind provided by long-term-care insurance. In an excerpt from his recent book You're Fifty - Now What? Charles Schwab looks at this increasingly popular type of insurance policy.

		
	Read the full article <http://schwab.ed10.net/ud/DQ4J/1078/LJPD/1G/RNP0QV>   |   Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
Schwab Market Update


  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	Daily Market Update	 
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	September Market Summary	 
	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	Daily Market Update

What did the markets do today*? Go to Daily Market Recap <http://schwab.ed10.net/ud/DQ4J/424C/LJPD/D5/RNP0QV>.

*The content on this page is updated daily, after the market close. No matter when you click on this link, you'll get the most current Daily Market Recap. Save this e.Bulletin or bookmark the page and get a new market recap at the end of each business day.

		
	Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	September Market Summary

How did the markets react in the wake of the national tragedy? Read the September Market Summary <http://schwab.ed10.net/ud/DQ4J/8MD7/LJPD/82/RNP0QV>.

		
	Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
Tool Box


  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	Feel the Need to Stay Informed with the Latest Market News?	 
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	Is Now the Time For Schwab Bond Funds?	 
	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	Feel the Need to Stay Informed with the Latest Market News?

Get updates on market activity, market volume and indices. Plus, news and market commentaries from analysts at Schwab's Center for Investment Research. You can choose to have the market updates delivered to your email address or listen to the audio market update on schwab.com. 

Email Alerts
Schwab offers a wide selection of email alerts on market news and information before, during and after market close. You'll also receive commentaries on daily market activity and major market events. Log in <http://schwab.ed10.net/ud/DQ4J/NFLN/LJPD/N9/RNP0QV> and subscribe today.
  
Schwab Audio Market Updates
Hear the very latest market news and information, updated every 30 minutes during market hours. Go to the Audio Market Update <http://schwab.ed10.net/ud/DQ4J/Y82O/LJPD/YT/RNP0QV> now, or you can access it from the homepage under the market chart. 

	
	Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
	Is Now the Time For Schwab Bond Funds?

In recent years, many investors have favored stock funds over bond funds. Now many of these investors are reassessing, and bond funds are receiving new attention. If you seek a balance of yield and risk, bond funds may be right for you.

Schwab Bond Funds can help you diversify and balance your portfolio, while also offering solid returns including current monthly income. SchwabFunds
 offers a range of index and actively-managed bond funds, as well as taxable and tax-free bond funds. For more background on bond fund investing, read the DirectDetail? Q&A "Why Bonds?" <http://schwab.ed10.net/ud/DQ4J/LJU3/LJPD/LE/RNP0QV>, or hear directly from SchwabFunds' portfolio managers <http://schwab.ed10.net/ud/DQ4J/KSP3/LJPD/ID/RNP0QV> for more information.

Call your Signature Services Investment Specialist at 1-800-435-8804 or click here <http://schwab.ed10.net/ud/DQ4J/ONTT/LJPD/9A/RNP0QV> for a prospectus that contains more complete information on management fees, risks and expenses. Read the prospectus carefully before you invest or send money. Principal value and investment returns will fluctuate with changes in market conditions so that an investor's shares when redeemed may be worth less than their original cost.

		
	Return to Top	 	
	  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	


Proactive Investor Calendar
What economic reports are due out this week? Find out in the Proactive Investor Calendar.
Go <http://schwab.ed10.net/ud/DQ4J/77K7/LJPD/RF/RNP0QV>
	

Do You Know Which Stocks are Moving Today's Market?
New from Argus Research - the Argus Market Movers. This new daily report features commentary on the latest market trends and identifies several stocks and their recent trends. Log in and click on Argus Market Movers.
Go <http://schwab.ed10.net/ud/DQ4J/LJU1/LJPD/LE/RNP0QV>
	

Establish a Legacy of Giving with a Charitable Gift Account
A Charitable Gift Account is a professionally managed account that helps you establish a legacy of gift giving for your family. It's a flexible and convenient way to leverage the tax benefits of your generosity.

For more information, call 800-746-6216 or visit us online <http://schwab.ed10.net/ud/DQ4J/2CM4/LJPD/28/RNP0QV> and read about our Seven Principles of Charitable Giving.

The Schwab Fund for Charitable Giving is an independent public charity, and has entered into service agreements with certain affiliates of the Charles Schwab Corporation to perform administrative, recordkeeping, and investment management services.
	

Schwab 403(b)(7) Accounts. More Choice and Control.
An important alternative for qualified teachers or government employees, Schwab's 403(b)(7) Custodial Account allows you to diversify retirement assets while benefiting from tax-deferred savings.
Go <http://schwab.ed10.net/ud/DQ4J/MR1H/LJPD/MQ/RNP0QV>
Schwab only accepts transfers (no new contributions) of $1,000 or more from existing 403(b) accounts. You can not make new contributions to a Schwab 403(b)(7) account.	 

Getting Kids Started Early
Schwab's complimentary guide, Raising Money-Wise Children, provides practical tips and tools for teaching your children how to take control of their financial futures. It's accompanied by The Future Investor's Money Book, a hands-on, educational workbook filled with activities for children.

Call 877-361-9460 to request this complimentary Life Event Guide today.
	


	News & Announcements


  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	New Margin Rules Affect Some Traders	 
	
  <http://schwab.ed4.net/htdocs/images/1010/EBSigBluBul.gif>	New Investing Workshop: Planning Your Financial Future	 
	
		  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
		New Margin Rules Affect Some Traders

You have probably heard about the new NASD and NYSE day trading margin rules. Clients who regularly hold their positions for longer than one day will not be subject to the new rules. The new day trading margin rules apply to people who day trade. There is a minimum equity requirement for those who designate themselves as day traders and people who meet the definition of "Pattern Day Traders." Pattern day traders are defined as people who buy and sell the same security including options, during the same trading session four or more times during a five day period. Day traders are subject to different margin equity requirements and must have a minimum of $25,000 equity in their account at all times.

Please contact your Schwab Signature Service Representative to learn more about margins and to discuss your trading strategy.

		
		Return to Top	 	
		  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	
		New Investing Workshop: Planning Your Financial Future

We realize you have unique financial needs. You may be saving for a comfortable retirement, providing for a child's education or caring for an aging parent. Whatever your situation, this workshop will help you focus on your interrelated financial needs and help you identify areas that may require specialized planning.

Learn answers to key questions such as: 

How can I plan for retirement? 
What types of insurance might I need? 
Can I successfully combine saving for a child's education with helping my parents in their later years? 

Through discussion and in-class exercises, you'll learn strategies and solutions designed to help you meet a variety of financial objectives. You'll come away with a better understanding of your financial needs and a personalized action plan to reach your goals.

To enroll, click here <http://schwab.ed10.net/ud/DQ4J/5AWM/LJPD/QR/RNP0QV>.

	
		Return to Top	 	
		  <http://schwab.ed4.net/htdocs/images/1010/EBSigLine.gif>	

	Do we have your current email address?
Log on to the page that will allow you to update your email address <http://schwab.ed10.net/ud/DQ4J/TL6V/LJPD/E4/RNP0QV> securely. For your protection, we are unable to accept instructions to change your email address sent in reply to this message.


  _____  


The Schwab e.Bulletin is a complimentary subscription for our clients. If you would prefer not to receive this in the future:
1. Log on <http://schwab.ed10.net/ud/DQ4J/IQNL/LJPD/ID/RNP0QV> to your account.
2. Under "My Alerts," check the box marked "delete" next to e.Bulletin and then click "submit."


  _____  


For account service questions, please send a secure email by logging on <http://schwab.ed10.net/ud/DQ4J/6ZXQ/LJPD/6C/RNP0QV> to your account.


  _____  


To provide feedback about Schwab's e.Bulletin, please send all feedback directly to online.editor@schwab.com <mailto:online.editor@schwab.com>


  _____  


We appreciate your comments!


  _____  


The Schwab e.Bulletin mailing list is managed and used exclusively by Charles Schwab & Co., Inc. Schwab does not sell or rent information about its customers to any third party.

Notice: All email sent to or from the Charles Schwab corporate email system may be retained, monitored, and/or reviewed by Schwab personnel.

? 2001 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE. (1001-13052).


  _____  

[[DQ4J-LJPD-RNP0QV-H]]  <http://od.ed10.net/od/DQ4J/LJPD/RNP0QV>
jeff.dasovich@enron.com