Mondayne:

CHS Capers:

So

CHS Electronics

(HS)

issues this press release Friday saying that it has patched up its differences with

Network Associates

(NETA)

and the two are heading forward, arm in arm, as partners. The actual words: CHS said that "certain business issues related to the European market" with Network Associates "have been substantially resolved."

Huh?! What business issues? Who ever mentioned

business issues

? All we know is that last week, before the Friday release, Network Associates disclosed the need to take a $31.8 million charge related to the possibility of getting stiffed by CHS, one of its customers.

So, does this new partnership mean Network Associates will no longer need the reserve? A CHS spokeswoman says to ask Network Associates. A Network Associates spokeswoman says (drumroll, please) the reserve "still stands."

Which suggests to me that that "substantially resolved" might not mean

actually

resolved.

No guts, no glory

: Sharon Dale, an art history professor at the Behrend College in Pennsylvania, writes she wishes she'd see more of the kind of gutsy analyst calls made by Richard Leza of

John G. Kinnard

, who initiated coverage of

Sunrise Tech

(SNRS)

Wednesday with a "neutral" and -- with its stock in the

mid-teens -- an initial price target of 3 1/2. To which I say: Sharon, don't hold your breath. Most don't and most won't because they're too worried about losing potential investment banking business or access to company management.

Then there's the issue that putting the equivalent of a sell on a stock with a low price target doesn't make much money for anybody. True, while it may not make money for anybody, tough calls like that, if they're right, can save money for everybody.

Take a reader who emailed me this weekend. The subject was "Help" and the letter read: "I really need your advice. I know you are not allowed to give out that information but I have no choice but to ask you. I have put my tuition money into Sunrise a few days back and I have lost over 80% of it. I haven't sold my position but am willing to settle for half of it. (Accumulated between 15 and 16).

"If this is all I can recover (less than 4) then I know to bail out now. But I am hoping that I can recover at least half of my tuition money if it goes to 7 or 8, otherwise I am in trouble and I know it. Do you see this possibly bouncing or is it straight down from here? Even if I recover 20%, it is better than zero. Fall quarter begins Sept. 29 and I may be able to plan accordingly."

Sorry, but there's no way to accurately predict what will happen to Sunrise's stock, though pros might tell you to cut your losses, not look back and use this as an expensive lesson. Your story should serve as a warning to all investors NOT to buy a stock if they don't fully understand the risk.

If you feel you must buy a stock, and you don't really know much about investing, ask yourself two questions: What is my risk? Once I hand over the money, can I sleep at night? If you don't know the answer to No. 1, and aren't sure about No. 2, avoid the temptation. Go with a diversified mutual fund.

Reader revolt

: An early Friday email from reader

Pat Steccato

, which was staccato in nature, said: "You don't know what you're talking about you LOSER."

A short time later from reader John Bray

:

"I was once a rookie investor, who did not like to read what you had to say. But now I read your column every day.

"Just hope no stocks that I own ever show up in it! Hahahaha."

Moving on ...

And the winner is:

In our last

stupid poll -- a direct rip-off of the

Padinha Poll

-- nearly 1,100 readers responded to the question: Who is more lovable, the Iridiots, IDT-iots, Lernahooligans, Iomegans or, none of the above? The winner, by a landslide, was none of the above, followed by the Iomegans and the Iridiots.

Speaking of which, what should we call the Sunrise hostile reactors?

Skip Higgins

suggests Sunsetters. I like that! And how do we label readers of

TheStreet.com

?

Penny Sieffert's

suggestion: Streetaholics. I

love

that!

Now for today's ripoff of the Padinha Poll:

Why should Herb be glad he's no Padinha?

Herb doesn't live in Wyoming

Herb isn't an economist

Herb's brain is somewhat sane

Herb will move back to California one day

Herb Greenberg writes daily for TheStreet.com. In keeping with TSC's editorial policy, he doesn't own or short individual stocks, though he owns stock in TheStreet.com. He also doesn't invest in hedge funds or other private investment partnerships. He welcomes your feedback at

herb@thestreet.com. Greenberg also writes a monthly column for Fortune.

Mark Martinez assisted with the reporting of this column.