Concern # 3
                                 Investors buying securities on  margin  maynot fully understand the risks involved. In volatile markets, investors  whohave put up an initial margin payment for a stock may find themselves  beingrequired to provide additional cash (maintenance margin)  if  the  price  ofthe stock subsequently falls. This is where many newer day traders run  intoproblems.                                 If the funds  are  not  paid  in  a  timelymanner the brokerage firm has the right to sell a  securities  position  andcharge any loss  the  investor.  When  you  buy  stock  on  margin  you  areborrowing money. As the stock price changes you may be required to  increasethe cash investment. You should make sure that you do not over-extend.                       Translation: Don’t buy it  on  margin  if  you  don’thave the allocated cash  reserve  to  pay  for  it  in  cash.  As  mentionedearlier, a simple margin example of a trade that recently occurred  was  NewEra of Networks, Inc. (symbol NEON). The NEON example will highlight  marginrisk.