>From: TD Waterhouse <theindividualinvestor@tdwaterhouse.com>
>To: quelnunes@hotmail.com
>Subject: Individual Investor
>Date: Thu, 10 Jan 2002 14:47:44 -0800
>
>The Individual Investor - January 2002
>
>A publication for customers of
>TD Waterhouse Investor Services, Inc.
>
>The Best to You in 2002
>By almost any measure, 2001 has been - at best - a very
>challenging year. Between the markets and the economy, the
>tragic events of September, and the current uncertainty in
>foreign affairs, it's been quite a bumpy ride.  Even so, there
>are promising signs that 2002 will see a return to more normal
>times.  With that thought in mind, TD Waterhouse wants to wish
>you and your family a happy, healthy, and prosperous new year.
>
>We thank you for your past business and look forward to
>continuing to help you manage your money successfully.
>
>?*?*?*?*?
>Inside this issue:
>
>STOCKS WITH THE RIGHT STUFF
>Here are six companies that shouldn't disappoint.
>http://tdwaterhouse.ip02.com/rd/9z1z2ue2st9g669bn5sonbp49c23eod26p1oqc74r88
>
>SIMPLIFY YOUR LIFE: CONSOLIDATE YOUR ASSETS
>You can eliminate a lot of the work of tracking your
>investments every month by transferring your assets held
>at other institutions to your TD Waterhouse Brokerage
>Account. You'll not only make your life easier, you'll
>clarify your overall financial picture as well.
>http://tdwaterhouse.ip02.com/rd/9z1zogno22me9tab3pij6bms8iftid99q847pg0uipo
>
>TAX DATES TO KEEP IN MIND
>Your Consolidated 1099 will be mailed to you by January 31st.
>Click here for additional dates when important tax forms will be mailed.
>http://tdwaterhouse.ip02.com/rd/9z1zrmquenuteu2cq5ej5ip9l7h9hsg9v0uv68npna8
>
>REVIEW YOUR RETIREMENT ACCOUNTS
>With tax season just around the corner, now is a good time to
>review your retirement plans - and consider opening an IRA
>with TD Waterhouse. To learn more about IRA choices, go to
>http://tdwaterhouse.ip02.com/rd/9z1z30k7v7tqjf8s1gj0ao1pglf439abclegu76g3qo
>
>or visit our Web site to open an IRA account now.
>http://tdwaterhouse.ip02.com/rd/9z1zqjjmrg83qkee7o4refejfi0m6bkguvgf27pmrbg
>
>TAP IN TO POWERFUL ONLINE RESEARCH
>Access some of the most powerful research available when you
>login to your account - free tools and information that can
>help you make better-informed decisions. Learn more now at
>http://tdwaterhouse.ip02.com/rd/9z1znp8j7si8shgiko09ntienj71a0cpsnvbsvih4kg
>
>A SOUND PORTFOLIO STRATEGY - INDEX FUNDS
>Many investors believe one of the best portfolio strategies
>begins with a foundational cornerstone of index funds - here's why.
>http://tdwaterhouse.ip02.com/rd/9z1zhgt066hou88sl9nie1ts4r9tsepadl03m64jfco
>
>STATEMENT OF FINANCIAL CONDITION OF
>THE AFFILIATED CLEARING BROKER-DEALER
>In accordance with requirements of the Securities and
>Exchange Commission, customers may obtain a free
>copy of the Statement of Financial Condition of
>National Investors Service Corp. - the affiliated clearing
>firm through which TD Waterhouse directs all retail customer
>orders - as of October 31, 2001 by visiting our web site at
>http://tdwaterhouse.ip02.com/rd/9z1zf7i8ebr7t0aknjku3lk7ub7v3lg55m98u3rrdpo
>or by calling 1-800-934-4448 and pressing option 4.
>
>CORRECTION: LAST MONTH'S RETIREMENT INSIGHTS
>Last month's column stated, "If you attained age 70 1/2
>during 2001 only your first distribution may be taken until
>the extended date of April 15, 2002." Please note that
>the correct date is April 1, 2002.
>?*?*?*?*?
>
>We want to hear from you! E-mail your comments and questions
>concerning The Individual Investor or any individual articles to
>theindividualinvestor@tdwaterhouse.com
>
>Copyright 2002 TD Waterhouse Investor Services, Inc. Member NYSE/SIPC.
>
>
>
>
>If you received this message in error or you do not wish to receive
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>http://tdwaterhouse.ip02.com/prefs/9z1z6sv1auqsfkdt88ndg607q5eje34tj3ffl8a7u30
>
>
>
>




Raquel Nunes Thomas


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