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To: zurdo who wrote (4620)	1/19/1999 2:11:00 PM
From: Wes Stevens	Respond to of 27722

I have a friend that uses Fidelity. He is very happy, but does not trade as much as I do. I will ask him to check the margin policy.

To: zurdo who wrote (4620)	1/19/1999 2:12:00 PM
From: Edward Y. Lee	Read Replies (2) \| Respond to of 27722

Hello! Is anyone going to be buying on the dip today? The earnings release, the announcement of the IPO, and the rise of the stock market will cause NAVR to be higher in the near future. Thanks! E. Lee

To: zurdo who wrote (4620)	1/19/1999 2:18:00 PM
From: Timothy Plageman	Read Replies (1) \| Respond to of 27722

zurdo: Response to Schwab's margin req. How can it be unfair when you are using there money to buy stock on the speculation you have decided would be successful. Go to any bank and see if they will lend you the money on the securties you may own. I hate to get you upset but you should have traded when the market was 700-800 years ago. Using your own money. How things have changed. A little perspective. Regards, Timothy

To: zurdo who wrote (4620)	1/19/1999 2:34:00 PM
From: BANCHEE	Read Replies (3) \| Respond to of 27722

Zurdo I agree with you on these brokers.... We give them the business and they could care less. I have Waterhouse and their web broker keeps going down. I e-mailed them a few times...They tell me sorry and to call the branch office. They take stocks off margin and don't tell us unless you ask.... You can't get a timely trade through. Phone is busy,,, Web broker takes 20 min to get through on phone... Mean while my exit or entry point is gone.. Do they want Day trader's business??.. I don't think so.. And it is not just Waterhouse. I'm hearing it about other brokers too. We must e-mail, write and phone complaints to them..Tell if they don't want our business, we must inform them that we will take our business elsewere... After all, trades = comm. and that = revenue... Banchee