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Schwab Signature Services e.Bulletin - September 2000
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1.  Dreaming of an Overseas Retirement
2.  Internet Scams
3.  Is Trading Stocks "Just Like Gambling"
4.  Election 2000 - An Investor's Guide
5.  Financial Services: The Urge of the Merge
6.  Come Walk the Boards
7.  After Hours Trading Becomes Extended Hours Trading
8.  Decimalization:  What is It
9.  Price Alerts: Faster Than Ever
10. Just Say "Trade": Expanded Speech Recognition on
    Schwab by Phone(TM)
11. Attend a Schwab Workshop - Learn How to Take Control
    of Your Portfolio
12. A Smart Way to Invest in Technology
13. CEO Speakers Series
14. Argus Roundtable

Welcome to the September Edition of the Schwab Signature
Services e.Bulletin.

To send us your feedback, change your e-mail address, ask
account questions, or to unsubscribe, go to the bottom of
this e-mail.

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access, please contact your Signature Services team.

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Offer good until October 15, 2000

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Dreaming of an Overseas Retirement?
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Many Americans dream of retiring to an exotic locale
overseas. The dream can come true for those "expats" who
plan their retirement wisely. Here's a look at retiring
abroad, with links to valuable online resources and a guide
to some of the decisions you'll make on such issues as
health, taxes, voting status and Internet access.

Read the full article
http://schwab.ed4.net/go/1sigserv2t/sept/retire/

Internet Scams
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Pump and dump. Virtual stocks. Pyramid schemes. These are
just a few of the online frauds, scams and swindles that
tempt the unwary investor. Remember, if an alleged
investment sounds too good to be true, it probably isn't
legitimate. Another hint: beware of an e-mail that
announces that you're on the "friends and family" list of
an IPO you've never heard of. Protect yourself from these
deceptions, and others, by reading this article, which
describes each scam and also refers you to links at
the SEC and other regulators for more information.

Read the full article:
http://schwab.ed4.net/go/1sigserv3t/sept/internet/

Is Trading Stocks "Just Like Gambling?"
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There are certain parallels between investing in stocks
and gambling on games such as roulette and blackjack. But
it's important to know where these similarities end, and
how the practices or an astute investor are much different
than those of a casino gambler. This article explains how
the Las Vegas odds favor the house, and why gambling is
not the same as intelligent, long-term investing.

Read the full article:
http://schwab.ed4.net/go/1sigserv4t/sept/investing/

Election 2000 - An Investor's Guide
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The Presidential campaign is heading into its stretch run,
and the Republican and Democratic candidates have staked
out positions on the issues that most concern investors.
Where do they differ - and where do they agree? This
analysis from the Schwab Washington Research Group*
summarizes where the candidates stand on taxes, the Federal
budget, health care, education, and retirement savings. If
you think there's hardly any difference between the two
platforms, you're in for a surprise.

*Schwab's Washington Research Group and Technical Analysis
Group are part of Capital Markets & Trading, a division
of Charles Schwab & Co., Inc.

Read the full article:
http://schwab.ed4.net/go/1sigserv5t/sept/election/

Financial Services: The Urge of the Merge?
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The once staid world of financial services appears to be
undergoing tremendous change, as commercial banks,
insurers, brokers and others grapple with new technologies
and deregulation. Recent legislation by Congress was
expected to trigger a wave of cross-industry mergers and
acquisitions. Yet this feeding frenzy has been slow to
begin, due to Y2K concerns, rising interest rates and
lower stock prices. What's the outlook now for a
convergence? Will bankers gobble insurers, or vice versa?
Where are some of the opportunities for investors? Read
this analysis from the Washington Research Group.*

*Schwab's Washington Research Group and Technical Analysis
 Group are part of Capital Markets & Trading, a division
 of Charles Schwab & Co., Inc.

Read the full article:
http://schwab.ed4.net/go/1sigserv6t/sept/mergers/

Come Walk the Boards
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Check out our new streamlined message boards at
http://schwab.ed4.net/go/1sigserv7t/sept/boards/.
Since July, we've added eight boards on popular topics
such as mortgages and margin investing. If you haven't
registered, do so today!

After Hours Trading Becomes Extended Hours Trading
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Here's an update on new trading times and policies:
- Pre-Market session: Order entry begins at 7:45am ET,
  Execution between 8:00am - 9:15am ET
- After Hours session extended: Order entry begins
  at 4:05pm ET, Execution between 4:15pm - 8:00pm ET
- Ability to trade odd and mixed lots
- Most Listed and Nasdaq securities are available

Remember that Extended Hours Trading poses certain risks
and may not be for everyone. Schwab reserves the right to
change or modify hours of operation for extended hours
trading at any time.

To learn more go to
http://schwab.ed4.net/go/1sigserv8t/sept/extendedhrs/

Due to limited liquidity in extended hours trading
sessions, there are no assurances that an investor's
stock order will be executed.

Decimalization: What is It?
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Decimalization is the process of converting the pricing
of equities from fractions to decimals. Currently, U.S.
markets quote and price stocks (and their underlying
options) in fractions, while most foreign markets use
decimal pricing. The conversion process will take place
gradually, with the first phase on August 28.

To find out more about this conversion and how it might
affect your trades and investments, check out
http://schwab.ed4.net/go/1sigserv9t/sept/decimal/

Price Alerts: Faster Than Ever
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Now Signature Services clients who subscribe
to Schwab's Price Alert service can receive their Price
Alerts even more rapidly. We are accelerating the delivery
of Price Alerts, which can be delivered to you via e-mail
or pager.

Price Alerts are triggered by criteria you select for
securities you request. If one of your stocks rises above
or drops below the market price you've set in advance, you
will know right away.

To subscribe to Price Alerts, click here:
http://schwab.ed4.net/go/1sigserv10t/sept/alerts/

Just Say "Trade": Expanded Speech Recognition on Schwab
by Phone(TM)
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We recently added the capability to place trade orders
using speech recognition on Schwab by Phone. Just call in,
and the system will prompt you to speak key words that
allow you to get quotes, place, review or modify trade
orders, and review account balances.

You'll find this service handy when you're away from your
computer for access to your Schwab account.

To try Schwab by Phone, call 1-800-435-8804 and press 1
for Quotes or press 2 for Trades. Telebroker, our touch-
tone service is also available at 1-800-272-4922.

For more information, go to
http://schwab.ed4.net/go/1sigserv11t/sept/phone/

Attend a Schwab workshop - Learn How to Take Control
of Your Portfolio
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Investing Foundations2: Putting Your Plan Into Action(TM)
Learn about Schwab's Core and Explore (TM) strategy,
designed to help minimize risk and improve your ability to
maximize portfolio performance.

Space is limited. Please call 1-877-762-7280 (from 9:30am -
6:00pm ET, Monday - Friday) to reserve a spot.

A Smart Way to Invest in Technology
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MarketPro Talk featuring Dennis McKechnie, PIMCO Funds
Wednesday, September 13, 2000 at 7:30pm ET

Technology has been the engine driving the stock market's
remarkable bull run, yet many investors have held off
buying tech stocks. Have you ever considered having an
expert pick tech stocks for you? Listen in an get involved
in the discussion.

Funds focusing their investments on companies involved in
a single sector - such as technology - may involve a
greater degree of risk than an investment in other mutual
funds with greater diversification. Please read prospectus
carefully before investing.

To find out how to participate in this live Webcast, go
to:
http://schwab.ed4.net/go/1sigserv12t/sept/marketpro/

CEO Speaker Series
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Thursday, September 21, 2000
7:00pm ET
Mr. George Bell
President and CEO
Excite@Home

Excite@Home combines the reach and recognition of one of
the Web's most popular sites with the broadband power of
the world's leading cable Internet provider. The result is
a new way of delivering interactive entertainment,
communication and commerce to the home. Join George Bell
as he describes how he helped establish Excite@Home as a
dominant marketing force worldwide.

To find out how to participate in this live Webcast, go
to:
http://schwab.ed4.net/go/1sigserv13t/sept/speaker/

Argus Roundtable
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"Focus on the Baby Boomer"
Wednesday, September 27, 7:00pm ET

Baby Boomers are moving through their peak earning years.
The health care, financial service, and leisure industries
are experiencing heightened demand from this large
demographic group. Join Argus analysts in this live video
event as they discuss companies that are "Baby Boomer
plays" and debate which ones they feel are most attractive.

For more information and instructions on how to
participate in the Argus Roundtable, go to:
http://schwab.ed4.net/go/1sigserv14t/sept/argus/

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