In this edition of the Daily Update, we discuss cash flow during 
retirement, rental mortgages, and identity theft. Plus, featured 
reports on a strong growth and income fund, a little-known REIT fund, 
and Morningstar's third quarter report on Vanguard.

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Featured in today's edition of the Daily Update:

1. SPECIAL REPORT: Morningstar 3rd quarter report: Vanguard Funds.

2. ASK THE ANALYST: Schaeffer's Research's Bernie Schaeffer says the
market will get ugly after earnings season is over.

3. ASK THE EXPERT: American Century's Jim Lauterwasser discusses 401(k)
plan options when changing jobs or retiring.

4. DAILY FREE SPONSOR REPORT: Morgan Stanley rates General American
Investors (GAM) a "strong buy."

5. FREE REPORTS LIST: Get the goods gratis: Catch up on the week's
giveaway research reports.

6. WORD FROM OUR SPONSOR: American Century: Retirement Plan Options.

7. FREE RESEARCH REPORT: Research Data Group reports on Undiscovered
Managers REIT I (URTLX).

8. INVESTMENT STRATEGIES: These three telecom services companies have a
history of earnings and sales growth.

9. MORTGAGES ON MULTEXPF: Making the most of rental mortgages.

10. FUNDWATCH: Tallying year-end distributions.

11. RETIREMENT PLANNING ON MULTEXPF: Cash flow management and your
retirement.

12. INSURANCE ON MULTEXPF: Safeguarding your identity.

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1. TODAY'S SPECIAL REPORT
Morningstar 3rd quarter report: Vanguard Funds.

It's business as usual at Vanguard. Thanks to strong performance, moderate
risk profiles, and low costs, Vanguard earns exceptionally good fund
family grades. This report rates all Vanguard's funds. (9-page report,
$20) Click here.
http://www.multexinvestor.com/download.asp?docid=25212474&nd=1027


2. ASK THE ANALYST
Schaeffer's Research's Bernie Schaeffer says the market will get ugly
after earnings season is over.

Schaeffer notes that stock performance during earnings reporting months
has been positive, but has been very negative during non-reporting months.
Is the market headed for an end-of-the-year tailspin? Pose Bernie your
questions until Mon., Oct. 29.
Click here.
http://www.multexinvestor.com/AskTheAnalystForm.asp?&nd=1027

Prepare for the investing week ahead with Bernie's insight to the hottest
sectors and stocks. Sign up for Bernie's FREE e-weekly market report,
Monday Morning Outlook. Click here.
http://www.schaeffersresearch.com/redirect.asp?CODE=GB01A8&PAGE=1


3. ASK THE EXPERT
American Century's Jim Lauterwasser discusses 401(k) plan options when
changing jobs or retiring.

Lauterwasser explains that investors must be careful when moving money
from a 401(k) plan in order to avoid IRS penalties. What are your choices
when it comes to transferring these monies? Pose him questions until
Thurs. Nov. 1. Ask the expert.
Click here.
http://www.multexinvestor.com/AskTheExpertForm.asp?&nd=1027


4. DAILY FREE SPONSOR REPORT
Morgan Stanley rates General American Investors (GAM) a "strong buy."

GAM has been the top-performing broad-based U.S. equity fund in Morgan
Stanley's coverage universe and has outpaced the S&P 500 significantly.
Sign up for the Morgan Stanley free trial to access this report.
Click here.
http://www.multexinvestor.com/download.asp?docid=4383020&sid=8&nd=1027


5. FREE REPORTS LIST
Get the goods gratis: Catch up on the week's giveaway research reports.

Free research on compelling topics, including the travel and energy
sectors, and banking and technology stocks.
Click here.
http://www.multexinvestor.com/freereports.asp?nd=1027

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6. WORD FROM OUR SPONSOR
American Century: Retirement Plan Options.

Changing jobs? Make sure you know what to do with the money in your
retirement plan.
Click here.
http://www.americancentury.com/mi/nsltr43.html?nd=1027


7. FREE RESEARCH REPORT
Research Data Group reports on Undiscovered Managers REIT I (URTLX).

Is it time to add a little real estate to your portfolio? A high minimum
limits access to this otherwise peer-topping real estate fund. Gain full
insight on this exclusive fund. The report is free for a limited time.

You can also download a free Morningstar snapshot report for URTLX:
Click here.
http://www.multexinvestor.com/download.asp?docid=1798090&nd=1027


8. INVESTMENT STRATEGIES
These three telecom services companies have a history of earnings and
sales growth.

Equity research columnist John Filar Atwood looks at three stocks whose
pattern of earnings and sales growth suggests that they may continue to
grow even in today's volatile markets.
Click here.
http://www.multexinvestor.com/Article.asp?target=/home/home/home&docid=3761&nd=1027


9. MORTGAGES ON MULTEXPF
Making the most of rental mortgages.

You've probably seen at least one infomercial enthusiastically touting
real estate as the best way to "get rich quick." Of course, it's not
really that easy. Here's what you need to know to minimize the cost of
investing in real estate.
Click here.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/mortgages/item&ForumID=22&DocID=3725&nd=1027


10. FUNDWATCH
Tallying year-end distributions.

Last year, many fund investors were surprised to find their funds making
taxable distributions despite losing value. Is that happening again this
year? Multex Investor commentator Merritt Cowart explores this issue.
Click here.
http://www.multexinvestor.com/FundWatch/Article.asp?Type=FundNewsToday&DocID=3580&nd=1027


11. RETIREMENT PLANNING ON MULTEXPF
Cash flow management and your retirement.

Taxable income and cash flow are two different things. Find out how to
maximize your retirement cash flow while managing your income and estate
taxes.
Click here.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/retirement/item&/item&ForumID=20&DocID=3721&nd=1027


12. INSURANCE ON MULTEXPF
Safeguarding your identity.

Don't let bad things happen to your good name. Learn how thieves try to
steal your identity, the best ways to protect yourself, and what to do if
your personal information is used to commit fraud.
Click here.
http://www.multexinvestor.com/Topic.asp?target=/personalfinance/insurance/item&ForumID=25&DocID=3722&nd=1027

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Be sure to check out our other newsletters, The Internet Analyst 
and The Telecomm Analyst by Multex.com. The newsletters will 
inform, educate, and entertain you with usable investment data, 
ideas, experts, and info about the Internet and telecommunications 
sectors. To see this week's issue, 
click here: 
http://www.thetelecommanalyst.com/ or 
http://www.theinternetanalyst.com/