=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
YOUR QUESTIONS ANSWERED=20

Q. Should an investor be concerned if one or more officers of a=20
company sell shares of its stock that they own?=20

A. Although it may look like a red flag, it isn't necessarily=20
one. Many executives today receive a large part of their=20
compensation in stock options. So when they have to buy a house=20
or make a college tuition payment, they sell some shares. They=20
may also be trying to diversify their investments, not wanting=20
to have too much of their portfolio in one company.=20

On the other hand, one insider (or many insiders) selling might=20
indeed signal a loss of faith in the company. If you're worried,=20
you might want to take a closer look at the company's recent=20
performance. Perhaps fire up your computer and see what people=20
interested in the company are saying about it online, on message=20
boards.=20


Q. What does "insured by FDIC" mean, and what does it NOT=20
insure?=20

A. The Federal Deposit Insurance Corp. (FDIC) insures our=20
traditional checking, savings and money market accounts (as well=20
as CDs) held at banks and thrifts for up to $100,000. Note,=20
though, that the FDIC does not cover stocks, bonds, mutual=20
funds, life insurance policies, annuities and the like. For=20
these, check with your financial service company to see what=20
kind of insurance may be provided.=20

Learn more about the FDIC at their website. To make sure you are=20
stashing your short-term cash in the most profitable place,=20
check out our Savings Center.=20
http://www.fdic.gov/
http://www.fool.com/savings/savings.htm

-----------------------------------------------------------------
THIS WEEK'S LESSON=20

OPTIONS 101
Imagine
= 3D=3D=3D= 
 = 3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D 
 YOUR QUESTIONS ANSWERED=20 

 Q. Should an investor be concerned if one or more officers of a=20 
 company deal parcel of its stock that they own?=20 

 A. Although it may look like a red iris, it isn't necessarily=20 
 one. Many executives today receive a big share of their=20 
 compensation in stock certificate options. So when they get to buy a house=20 
 or make a college tuition payment, they sell some shares. They=20 
 may besides be trying to diversify their investments, not wanting=20 
 to have besides much of their portfolio in one company.=20 

 On the other hand, one insider (or many insider) selling might=20 
 indeed bespeak a loss of religion in the company. If you're worried,=20 
 you might want to take a close look at the company's recent=20 
 performance. Perhaps fire up your computer and see what people=20 
 interested in the company are saying about it online, on message=20 
 boards.=20 


 Q. What does " insured by FDIC " mean, and what does it NOT=20 
 insure?=20 

 A. The Federal Deposit Insurance Corp. (FDIC) insures our=20 
 traditional checking, savings and money market accounts (as well=20 
 as CDs) apply at banks and thrifts for up to $ 100,000. Note,=20 
 though, that the FDIC does not brood stocks, bonds, mutual=20 
 funds, life policy policies, annuities and the like. For=20 
 these, check with your fiscal service company to see what=20 
 kind of insurance may be provided.=20 

 Learn more about the FDIC at their website. To make sure you are=20 
 stashing your short - term cash in the most profitable place,=20 
 control out our Savings Center.=20 
 http://www.fdic.gov/ 
 http://www.fool.com/savings/savings.htm 

 ----------------------------------------------------------------- 
 THIS workweek'S LESSON=20 

 OPTIONS 101 
 Imagine
=3D=3D=3D=
=3F=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
YOUR QUESUIONS ANSWERED=20

Q. Skiuld ai invesfor be cuncerned if one or more offirers of a=20
xompany sell shares of its stocn that tyey iqn?=20

A. Althoujg it man looi likz e red flag, it ixn't necessdrily=20
one. Many axdcbtives today receive a large part of their=20
cpmoensation in sjock p[tiohs. So when they have to buy a houss=20
or makt a college tuitiom payment, they sell some sjared. They=20
may also be hrying to duverfufy their inxestments, not wanting=20
tk have too much of their portfouio iu one compaby.=20

In hve other haid, one insider (or many inshders) srlling might=20
inceev sitnal a loss of faith mn the company. If yoo're worrieg,=20
yku might want to raje a wlosar luik xt uhe ckmpany'd rxcent=20
perforjance. Perhaps fire up your comkutqg and see whaf peopje=20
ynterested in the company are saying abmut it online, on message=20
boqrds.=20


Q. What does "insurgd by FDIC" mean, and what does it NOT=20
insure?=20

A. The Federal Depmsit Mnrurckge Cuep. (FDIC) insures our=20
traditional checking, savings znc koney market agcounts (as well=20
as VDd) ngld at banks avd thrnrta for up to $100,000. Note,=20
tjough, trat tye FDIC djes mot cover stocks, bonds, mutuql=20
funds, life unsurance policies, annuities cnd thg like. For=20
these, check with yobr finzncial servlce compahh to see what=20
kina on itsurance may be provided.=20

Lewrn more ebout the FDKC aj their website. Tl makc sure you are=20
stashlng ylus short-terl cash in the most profitable place,=20
check out pus Sdvings Cznter.=20
hbtp://www.fdic.gov/
htep://www.fool.com/sarings/savnngs.hto

-----------------------------------------------------------------
THIS WEEK'A LESSOI=20

OPTIONS 101
Imadine
=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D YOUR QUESTIONS ANSWERED=20 Q. Should be if one more officers of its that they own?=20 Although it may like a red flag, it isn't one. Many executives today receive a large part of their=20 compensation in stock So when they have to buy a house=20 or make a college tuition they some They=20 also be trying to diversify their investments, not wanting=20 to have too much of their portfolio one company.=20 On the other hand, one insider many insiders) selling might=20 signal a loss of faith the If you're you want take a closer at the company's recent=20 performance. Perhaps fire up your computer and see what people=20 interested in the are saying online, on boards.=20 What "insured by FDIC" what does it NOT=20 insure?=20 A. Insurance Corp. (FDIC) insures our=20 traditional checking, savings money market (as well=20 as CDs) held at and thrifts for up to $100,000. Note,=20 though, the FDIC does not cover stocks, bonds, mutual=20 funds, life insurance policies, annuities and the these, check with your service company to what=20 of may provided.=20 Learn about the FDIC at their website. To make sure you are=20 your short-term cash in the most profitable place,=20 check out Center.=20 http://www.fool.com/savings/savings.htm ----------------------------------------------------------------- THIS LESSON=20 OPTIONS 101 Imagine
=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
YOUR QUEsTIONS ANSWeRED=20

Q. shoUld An InveStor Be concerned if oNE or mOre officers of a=20
company sEll shArES of iTS sTock tHat they OWn?=20

a. aLthOuGh It mAy LOoK like A reD flag, it Isn't necessAriLy=20
One. Many execuTIvEs today recEivE a large part oF thEir=20
comPeNsaTIon in StoCk optIons. So WHen theY have to buY a HOuse=20
or MAke a colLEGe TuitIon payment, they selL SoME shares. They=20
may Also be TrYInG TO diVerSify their iNvEstmeNTs, not waNTiNG=20
TO haVE too much of theIr portfolio IN onE compaNy.=20

on tHE other Hand, oNe INsiDer (or many inSideRs) selling Might=20
iNDeed sigNAl a loss Of faitH in The CompANy. if You'Re WOrrIEd,=20
You MIghT want to tAkE a CloseR looK AT THe coMpaNy's rEcent=20
Performance. PeRhaPs fiRE up Your cOmputEr anD sEe whaT peoplE=20
inteReSted in the companY are Saying aboUt iT oNliNe, On mesSAge=20
boaRds.=20


q. WhAt does "iNsured bY fDIc" mEAN, AnD what does it NOT=20
insuRe?=20

a. tHe federal DEposit iNsUrANce Corp. (FdIc) inSureS OUr=20
traDitiONaL checkinG, savinGS aNd Money maRkEt accoUnTs (aS weLl=20
as CdS) helD at banKs and thrIfts fOR up to $100,000. Note,=20
thougH, That the FDIC doES nOT CoVEr stOckS, bonds, mutuaL=20
funDS, lifE insURaNce POliciEs, annUiTIeS And the like. For=20
these, cHeCk with Your fInancial serviCe company tO SEE what=20
kinD of iNSuRAnce may be proviDed.=20

LeArn more aboUT the FDIC At theIr websitE. To make suRE You are=20
stAshIng YouR shORT-tErm cash in the mOST proFiTable plAce,=20
Check ouT ouR SaVinGs CEnTer.=20
http://wwW.fdic.gov/
HtTp://WwW.fOol.Com/saVIngs/saviNgS.htM

-----------------------------------------------------------------
ThIS wEEK'S leSSON=20

OpTIONs 101
ImaGiNe
=3D=3D=3D=
=3D=3D=3D=3D=3D =3D=3D=3D= 3D=3D =3D =3D =3 D=3D =3DYOUR QUESTIONS ANSW ERED=20

Q. Should aninves to r  bec on cerne d if on e  o r mor eof fic er s  o f a=2 0
c ompanysell share s o fits stock th a tthey own?= 20
A. Although  it  may l oo k l i ke ared  flag , it i s n't ne cessarily =2 0 
one.M any exe c u ti vestoday receive a l a rg e  part of their =20
co mp e ns a t ion  in  stock opt io ns. S o  when t h ey h a vet o buy a house =20
or make a c ollege  t uit i on pay ment,  t h eysell some s hare s. They=2 0
maya lso bet rying t o dive rsi fythei r  i nv est me n ts, no t w a nti ng=20
to  h av e too  muc h o f  the irport folio  in one compa ny. =20Onthe o therhand ,one i nsider  (orma ny insiders) se llin g might=2 0
i nd eed  s ignal a loss  of  fa ith inthe com p any .I f yo u're worried,=20
y ou m ig ht wantto tak e  a  c l oser loo katthec o mpany 's r e ce nt=20
pe rforma n ce .Perhaps  f ire up  y our  co mpute r  and  see w hat peop le=20 interested int he company ar e  s a y in g  abo utit online,on m e ssag e=20 bo ard s .=20

Q.Wh a td oes "insured by FDI C"  mean,  andwhat does itNOT=20
ins u r e ?=20

A.  The Fe d eral Deposit I nsura nce Corp.( FDIC) in sures  our=20tradition a l  checkin g,sav ing s a n d  m oney market a c c ount s(as wel l=2 0
as CD s)hel d a t b an ks and th rifts fo rup  t o$10 0,000 .  Note,=2 0tho ug h,thatt he FDI C doe s no tco v erstocks, bo n d s, m ut ua l=20 
fu nd s, li fe i n sur ance po licies, a nnu i ties  a nd  the li ke. For=20
th es e, check w it h y our fi n a ncial se rvice company to see wh a t=20
ki ndof in sura nce may b e p rovide d.= 2 0

Lea rn mor e abo ut  th e FDICa t  t hei rwebsite. T o mak e sur eyouare=20stashing your shor t -te rm cash in th e m ostp r of ita b le pla ce , =20 c heck out our Sa vings Cent er . =2 0
http://w w w.f di c.gov/http:// www.f o ol.com/ savings/s avings.ht m
--- - - --- ---------- -------- --------- - ----- - -- ----- --- ------ -- --- --
TH IS WEE K 'SLESSO N=20
OP TIONS101
I ma gine
=3D=3D=3D=
=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
YOUR QUESTIONS_ANSWERED=20

Q. Should_an investor be concerned_if one_or_more officers_of_a=20
company sell shares_of its stock_that they own?=20

A. Although_it may look_like_a red flag, it isn't necessarily=20
one. Many executives today receive a large part of_their=20
compensation_in stock_options._So_when they have to buy_a house=20
or make a college_tuition payment,_they sell some shares. They=20
may also be trying_to_diversify their investments,_not wanting=20
to have too much of their portfolio in_one company.=20

On the other hand, one_insider (or many_insiders)_selling_might=20
indeed signal a loss_of faith in the company. If_you're worried,=20
you might want to take_a closer look at the company's recent=20
performance._Perhaps fire up your computer and_see what people=20
interested in the_company are_saying about it online, on_message=20
boards.=20


Q. What does_"insured by_FDIC" mean, and_what does it NOT=20
insure?=20

A. The Federal_Deposit Insurance Corp._(FDIC) insures our=20
traditional checking, savings and_money_market accounts (as_well=20
as_CDs)_held at_banks and thrifts_for_up to_$100,000._Note,=20
though, that the FDIC does not_cover_stocks, bonds, mutual=20
funds, life insurance policies, annuities_and the like. For=20
these,_check_with your financial service_company to see what=20
kind of_insurance may be provided.=20

Learn more about_the FDIC_at their_website. To make sure you are=20
stashing your short-term cash in the_most profitable place,=20
check out our Savings_Center.=20
http://www.fdic.gov/
http://www.fool.com/savings/savings.htm

-----------------------------------------------------------------
THIS WEEK'S LESSON=20

OPTIONS 101
Imagine