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 Schwab Signature Services e.Bulletin -- January 2002 

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In this issue: 
1. Changing jobs? What about your 401(k)?   
2. Your 401(k) Bill of Rights 
3. Daily Market Update
4. Year in Review 
5. Tax information you need in one place: Schwab's Tax Center
6. Take a Fresh Look at Your Finances! 
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1. Changing jobs? What about your 401(k)?
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A new job means lots of  packing and unpacking, different 
business cards, changing your e-mail address - and figuring 
out what to do with your 401(k). There's a lot riding on this 
decision, and you ought to consider all the factors, such as 
taxes, withdrawal penalties and flexibility.  Here's an 
excellent overview of the four basic choices you have for a 
401(k) when changing jobs, with a straight-forward description 
of the pros and cons of each alternative.

Read the full article
Go to:
http://schwab.ed10.net/ud/QHF8/CKEA/BXI5/CM/EWE9O5

After you read the article, learn what a Rollover IRA at Schwab 
can do for you. Get details or call 1-877-412-6116 to speak 
with a Personal Rollover Specialist about moving your 401(k) 
to a Schwab IRA.

Go to: 
http://schwab.ed10.net/ud/QHF8/SLGR/BXI5/SN/EWE9O5


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2. Your 401(k) Bill of Rights 
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In just over 20 years the 401(k) plan has taken a central 
position in our personal finances. For many Americans, the 
assets in their 401(k) rank second only to their homes in 
value. Do you fully understand what you are entitled to in a 
401(k)? This clearly-written overview sums up the major rules 
and regulations of 401(k)s, and spells out your "401(k) Bill 
of Rights" -- what you should expect both from your employer 
and the IRS in such areas as withdrawals, loans, and 
contribution levels. 

Read the full article.
Go to:
http://schwab.ed10.net/ud/QHF8/7MXC/BXI5/50/EWE9O5


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3. Daily Market Update
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Get a recap of today's market activity and latest economic news 
in the Daily Market Summary.

Go to:
http://schwab.ed10.net/ud/QHF8/BXE7/BXI5/VU/EWE9O5


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4. Year in Review 
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Take a look back at the year 2001 - the economic, financial and 
psychological events that impacted many investors. 

Go to:
http://schwab.ed10.net/ud/QHF8/JS3I/BXI5/JY/EWE9O5


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5. Tax information you need in one place: Schwab's Tax Center   
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The Tax Relief Act that became law last summer brought important 
changes to the U.S. tax landscape. While it's typically not easy 
to keep pace with the complexities of tax regulation and reform, 
now you can locate most of what you need in just one place - 
Schwab's Tax Center. 

At the Tax Center under Tax Planning, you can examine how the 
new tax laws apply to you. The Tax Relief Act has been analyzed 
through the eyes of experts. You'll see how these changes could 
affect you and your money.  

There are also tax tips galore at the Tax Center, plus online 
calculators and easy-to-use tools that will help you estimate 
your taxes, deductions and credits. For example, you can try 
different stock-selling scenarios to estimate the impact of 
realizing short- or long-term capital gains and losses. 

Whether you do your own taxes or work with a tax professional, 
you'll benefit from a visit to Schwab's Tax Center.

Go to: http://schwab.ed10.net/ud/QHF8/PPHF/BXI5/N9/EWE9O5


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6. Take a Fresh Look at Your Finances! 
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The turn of the new year brings an opportunity to re-evaluate 
your financial goals and progress achieved. Take a step back 
and check to make sure you're doing everything you can to 
maximize your savings.  

Attend Schwab's latest workshop, "Planning Your Financial 
Future", which will help you address big picture financial 
planning questions such as:

* How can I do more to prepare for retirement?
* What types of insurance should I consider?
* How can I balance 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 priorities and a personal 
action plan tailored to your financial needs and life goals.  

To enroll, go to: 
http://schwab.ed10.net/ud/QHF8/TT61/BXI5/FW/EWE9O5

  
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How do you know which IRA is right for you? Try the IRA 
Analyzer.

Do you have more than one retirement plan? The IRA Analyzer 
can help you see which IRAs you may be eligible to contribute 
to this year, and in what amounts. It can also guide you through 
converting a traditional IRA into a Roth IRA. 

Go to:
http://schwab.ed10.net/ud/QHF8/I9NQ/BXI5/QR/EWE9O5


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Fund your IRA online!

Get an early start on your retirement planning by funding your 
IRA now, rather than waiting until April 15th. You can transfer 
funds between your Schwab account and other financial 
institutions quickly and efficiently on schwab.com. Log in 
and follow the prompts for online money transfers.

Go to:
http://schwab.ed10.net/ud/QHF8/MF1F/BXI5/MQ/EWE9O5


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January Quiz

What do you know about ECNs? Take the quiz.

Go to:
http://schwab.ed10.net/ud/QHF8/67XM/BXI5/6C/EWE9O5


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Member SIPC/NYSE. (2001-11637)


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