You don't sound retarded at all! FE = finalize early. It's when you buy a product and then release your bitcoin payment to the vendor prior to receiving your order. This is a VERY easy way to get scammed, so you should try to avoid doing it at all costs. Vendors aren't allowed to "require" anyone to FE. If they do, then find another vendor who doesn't require it. Instead, always stay in escrow -- for your own safety! In escrow, you don't pay until you receive the order. A lot less chance of getting scammed that way.