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<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 <further messages from TD Waterhouse, follow this link to opt out: <http://tdwaterhouse.ip02.com/prefs/9z1z6sv1auqsfkdt88ndg607q5eje34tj3ffl8a7u30 < < < < Raquel Nunes Thomas _________________________________________________________________ Join the world's largest e-mail service with MSN Hotmail. http://www.hotmail.com
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