HDTenEightyP/NetNews huggingface dataset:
Organization: Penn State University
Date: Tue, 21 Jul 1992 21:42:28 EDT
From: <AXD2@psuvm.psu.edu>
Newsgroups: misc.invest
Subject: Re: Free stock market analysis software

Try ftp wuarchive.wustl.edu   cd mirrors/msdos/finance    wallst5.zip
I don't know what the program does but it is big and free.
                                                          Chuck
From: dfavor@logan.tivoli.com (David Favor)
Newsgroups: misc.invest
Subject: Re: fat cat investors???
Date: 25 Jul 92 13:11:40 GMT
Distribution: usa

In article <22494@hacgate.SCG.HAC.COM>, frazier@maxwell (Greg Frazier) writes:
|> dfavor@logantivoli.com (David Favor) writes:
|> : > As food for thought, here's an example of how tax code already favors
|> : > the investor:  [can't write off eng. calculator, can write off
|> : > "business" trip to Bahamas]
|> : 
|> : you can spend your time disagreeing with the tax code... in which case you
|> : will get nowhere... or you can become flexible enough that whenever the tax
|> : code changes you restructure your financial plan where needed. for example...
|> : 
|> : the $25,000-per-year should have some form of small business that allows him/her
|> : to write off that $100 scientific calculator.
|> : 
|> : the $25,000-per-year engineer should also have some form of small business
|> : that allows fat-cat-traveling anywhere in the world to be tax deductible.
|> 
|> I disagree with both halves of David's response.  First, I think
|> disagreeing with the tax codes does a lot of good, and I am hoping
|> that we will see major changes to it in the next 8 or 12 yrs.
|> Second, deducting expenses for "small business" is only legal if your
|> business turns a profit [at least one year out of three?].  Finally,
|> there is the question of whether your tax savings will offset your
|> cost of belonging to the Given's Organization (or whoever it is you
|> pay to help you navigate the tax codes), which is not cheap.  It
|> certainly would not pay for itself in our personal situation, but
|> then, my wife and I are still students.
|> 
|> --
|> 
|> 
|> Greg Frazier	frazier@CS.UCLA.EDU	!{ucbvax,rutgers}!ucla-cs!frazier

I would love to spend time disagreeing with the tax code, but I find that
my revenue stream substantially increased when I started taking the time
to understand how the tax code benefits members of Congress. after all they
write the tax code. by aligning my activities to parallel the business
practices of our find polititians I find that my revenue stream is rapidly
increasing. unfortunately I'm to small time for anyone to offer me large
bribes, but who knows... "the future's so bright I gotta wear shades!" :-)

actually the IRS 'guideline' for business profit requirements is 3 out of
5 years, however, you can lose money forever if you are engaged in business
with the "intent to make a profit"... but, if a business engages in the same
activties year after year and continues to lose money the IRS will probably
retroactively disallow all business related espenses. Ouch!

when your income exceeds six figures and your taxes exceed five figures you
will probably consider advice from anywhere. some people may chose Givens.
other people may chose Astrology... Jimmy Carter did this and although not
my idea of a premier president is making tons of money today based on his
connections. so perhaps Astrology is even a viable solution when there is
a great deal of money at stake. :-)
From: dd3e+@andrew.cmu.edu (Danny R Dalal)
Newsgroups: misc.invest
Subject: Undervalued Utilities
Date: 27 Jul 92 13:39:05 GMT
Article-I.D.: andrew.seR6ntO00awCQquEZ1
Organization: Sophomore, Math/Computer Science, Carnegie Mellon, Pittsburgh, PA

Greetings,

	I think that over the next year utilities will do very well (because of 
increased earnings).  I'd like to know if anyone follows the utilities
sector and/or has any comments about it.  Specifically, I would like to
load up on
some undervalued shares now and wait on it.  What do you think? What do
you recommend?

	__Dan
From: mcaldon@igc.org (McAldon International Inc.)
Newsgroups: misc.invest
Subject: Re: which newspaper?
Date: 28 Jul 92 03:28:00 GMT
Nf-ID: #R:Bs0vDA.EsK@news.larc.nasa.gov:1738216928:cdp:1426500226:000:892
Nf-From: cdp.UUCP!mcaldon    Jul 27 20:28:00 1992


|Does anybody have any opinion concerning a choice between the 
|two following newspapers:  The Wall Street Journal, and the
|Investor's Daily.  From what I hear, the latter contains more detailed
|information on individual companies, and many types of economic indicators
|in the form of charts.  Comments are welcome.
|Gordon Erlebacher

Why not buy a copy of each and check it out for yourself?  Anyway, IBD
is geared to the individual investor, especially one with leanings to
technical analysis.  Although the general level of editorial writing is
not good, IBD has many proprietary charts and tables, including all its
stock listings.  WSJ has better editorial writing and news gathering
capability, so will keep you better informed.  DMcKenzie

|    mcaldon@igc.org     | Opinions dispensed herein not guaranteed |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Newsgroups: misc.invest
From: atkinson@symcom.math.uiuc.edu (David Atkinson)
Subject: Buying gold
Organization: University of Illinois at Urbana
Date: Wed, 22 Jul 1992 19:27:12 GMT

I know this issue has been addressed before, and is probably a
FAQ, but that doesn't mean I remember any of what's been said before. :)

What is the best way to buy gold (actual gold that I can hold in my
hands)?  I have thought about American Eagle gold coins, but it seems
that a large part of their selling price is due to numismatic value.
I'm not looking to get into coin collecting; I just want gold.

In particular, I would like to buy small amounts like 1 oz. bars.
My brief experience with silver taught me that the name of the refiner
matters to people.  Apparently not all silver is respected.  I assume
the same is true of gold.  Ideally, I'd like to have the US government's
assurance of the purity, but I don't insist on it.

How closely can I expect the price I pay for an ounce of gold to match
the price I read in the papers for gold?

Basically, I want to buy a few ounces of gold that no one will question
the value of, at a price as close as possible to the quoted daily price
for an ounce of gold.  Any suggestions on how this can be done?
From: dfavor@logan.tivoli.com (David Favor)
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 23 Jul 92 13:04:36 GMT

In article <1992Jul20.233601.8307@eng.umd.edu>, georgec@eng.umd.edu (George B. Clark) writes:
|> In article <2033@tivoli.UUCP> dfavor@logan.tivoli.com (David Favor) writes:
|> >
|> >so several questions arise. did your friend read the guarentee? did your freind
|> >complete the very straight-forward 30-day plan? if this individual was unable
|> >to recover his investment, as per the guarentee ($1000 minimum), was the return
|> >clause exercised? if your friend was responsible and really wanted to better
|> >his/her financial situation then I expect they either used the product and
|> >did well, were unsatisfied and got their money back, or simply placed the
|> >materials on the shelf to gather dust. which was it?
|> >
|>      much deleted
|> > I don't read news drivel so I am unclear as to what negative press Givens
|> > has taken. this is unimportant to me because
|>      much deleted
|> >as to reading periodicals in the library, that's like believing what you read
|> >in the newspapers or the nightly news. surely you don't believe anything
|> >without first testing its merit  personally? before I can put any stock in your
|>      much deleted
|> >entertaining and in some cases they may even contain a bit of truth, however,
|> >even the bit of truth is usually presented in a slightly shewed manner.
|> >
|> 
|> David,
|> 
|> What motivates this angry discussion? My friend received his Charles Givens
|> merchandize less than a week ago, and he likes it. You must have my
|> friend confused with someone else.
|> 
|> It is unclear why your posting is a lengthy discourse full of angry,
|> cynical remarks aimed at offending every investor on this forum who
|> is not a Charles Givens disciple.
|> 
|> If your goal is to win new investors to the Charles Givens methodology,
|> you will be more successful if you do so in a way that makes people
|> like you. Otherwise, you will be regarded as nothing more than a
|> difficult person to be avoided.

point well taken... my tone has been terse of late... I notice that when
I take on too much to do that my brain flips into mechanical mode. that is
my discussions take on an tone that is flat... good feedback about angry
tone. I've noticed also that my personal journals (self dialoging) also
carries this same tone. an indication that a LONG VACATION is in order.

I'll check in with myself better prior to flying through mail and responding
in rapid fashion. thanks for the reality check.
From: bub@theus.rain.com (Barbara Theus)
Newsgroups: misc.invest
Subject: Re: 401(k) and other pension plan distributions
Date: 24 Jul 92 14:11:44 GMT
Article-I.D.: theus.1992Jul24.141144.17468
Organization: The Theus Group; Sherwood, OR

>>is being partially funded by a change in the rules about lump-sum distribution
>>of pension plan assets.  What it comes down to is this:  If you expect to get
>>such a distribution, you have to arrange for your (ex)employer to transfer
>>the money directly to an IRA to avoid 20% withholding tax.  If you don't,
>>you have 60 days to transfer the 80% that you do get, plus the 20% that you
>>don't (I hope you have that much saved up somewhere) into an IRA to avoid
>>owing taxes and penalties come next April.
>
>Is this Law yet?  Or is it a bill they are debating?  If the latter
>case, can someone find out the bill number so that we may bitch to
>our Honarable congress reps to tell them to put it where the sun
>don't shine?  Thanks.
> 

According to my resources, HR 5260 is the bill, and yes, it is already
passed.

-Barbara Theus   
Securities Representative
Newsgroups: misc.invest
From: georgec@eng.umd.edu (George B. Clark)
Subject: Re: beginner
Date: Wed, 29 Jul 92 20:25:47 GMT
Organization: University of Maryland


Go to the public library. Ask a librarian to help you find the
information in the business section where reference books are
shelved.
From: nkk@wet.UUCP (Butch Katigbak)
Newsgroups: misc.invest
Subject: Re: Deutschmark Account
Date: 28 Jul 92 22:51:26 GMT
Organization: Wetware Diversions, San Francisco

Still covered by FDIC including interest up to maximum $100,000.

There are new FDIC rules on how new names can be attached to an
account to continue covering it with insurance: i.e. ITC (in trust for)
or joint tenancy accounts.

There are combinations possible which will permit up to about $400,000
in funds to be covered by FDIC. Before the S & L fiasco, the SLIC permitted
up to about 6 combinations or $600,000.

Finally, in Wells Fargo vs Citibank, recently decie by the US Supreme Court,
funds deposited in a US bank in any of its branches worldwide were
liabilities of the New York Bank if:

a.	Funds were cleared through New York Clearing House
b.	or Funds were cleared through US dollar Funds in
	a US City  under the legal jurisprudence of the US Supreme
	Court.

implications:
If you purchase a foreign exchange contract from a US Bank and settled
in US Dollars which were settled through the Clearing House System of 
US Banks for dollar funds in US Territory, those contracts are liabilities
of the US Bank (or foreign bank branch doing business in the US).

This is important if you do business with banks in foreign countries but
settle in US dollars and for some reason, the branch in the foreign country
is closed by war, revolution etc..change of government, nationalization,
takeover etc. or foerign debt restructuring (as in the case of Wells Fargo
vs Citibank...the  case being the Philippine Revolution.)
From: mike@isgtec.com (Mike Sellers)
Newsgroups: misc.invest
Subject: Auto Insurance deductibles (was Re: Charles J. Givens)
Date: 29 Jul 92 13:42:58 GMT
Organization: ISG Technologies Inc., Mississauga Ontario

scott@truevision.com (Scott Stevens) writes:
> xcpslf@decsrv.NoSubdomain.NoDomain (stephen l favor) writes:
> > Many of my friends carry $1000 deductables if they've put
> > any thought into it.  If you don't have a lien against the
> > car, this is probably the best choice.

This is not so cut-and-dried.  I've just been looking at auto insurance
prices, and in my case the difference between a $500 deductible and a $1000
deductible is something like *$4* for one year.  At least with the $500
I get to *choose* whether I'll report, say, $800 worth of damage to my
car.  Yes, I know that you have to think about the rates they'll sock you
with --or worse, that they'll drop you-- but for $4, I like the option of
being able to consider that if and when I have a problem with the car,
rather than just when I buy the insurance.

--
                    Mike Sellers       mike@isgtec.com
                        User Interface Team Leader
                    ISG Technologies, Toronto, Canada
            "Actum ne agas" -- Do not do what has been done.
Newsgroups: misc.invest
From: yeates@rtsg.mot.com (Tony J Yeates)
Subject: Microsoft market share was Re: Cray Computer: When to bail out?
Organization: Motorola Inc., Cellular Infrastructure Group
Distribution: usa
Date: Wed, 29 Jul 1992 20:16:49 GMT

philco@microsoft.com (Phillip Cooper) writes:

>In article <l73upqINNiop@almaak.usc.edu> ajayshah@almaak.usc.edu (Ajay Shah) writes:
>>eric@tfs.com (Eric Smith) writes:
>>
>>>I think Microsoft is interesting for the next decade.  Right now it
>>
>>They probably have feet of clay.
>>Never has the PC market known real "OS" choices like they do today.
<Text deleted>
>>I can't think of a time when the market share of MS products in the
>>Intel market has been smaller.  Soon the peasants might even realise
>>they've been had :-)
>>

>Ajay,  Do you have statistics to back up this absurd claim?  I can't think
>of a time when MS market share has been bigger!  We have the huge majority
>in OS sales (Almost 100% of the DOS market, 20 times as many Windows sales
>as IBM has OS/2 2.0 sales).  We have the leading Windows spreadsheet and
>wordprocessor.  If you back up this claim with hard facts, I will be the
>first to apologize.  Otherwise, I will be waiting for your apology.

Microsoft reported increased market share earlier this week  (or was that
last week?).

[Personally, I like AmiPro, and OS2 over windows3.1 and DOS - but MS are a 
juggernaut of a company  -- the IBM of software, perhaps.....BTW IBM just 
announced larger than expected acceptance of their lay off offers!]


-- 
=============================================================================
I'm glad you asked me that. This gives me the perfect
opportunity to talk about the problems with this Congress...
 -- Vice President Dan Quayle responding to reporter's questions about 
Newsgroups: misc.invest
From: acheng@ncsa.uiuc.edu (Albert Cheng)
Subject: Re: Charles Givens
Originator: acheng@shalom.ncsa.uiuc.edu
Organization: Nat'l Ctr for Supercomp App (NCSA) @ University of Illinois
Date: Wed, 22 Jul 1992 15:00:10 GMT


In article <1992Jul20.191524.13628@awdprime.austin.ibm.com>, root@sickbay.austin.ibm.com writes:
> Wholehearteldy YES, YES, YES, YES !!!!!!!!!!
> Look, I don't know this Givens guy and I will not say anything against HIM,
> as a person. As a concept it STINKS. A lot of sorry ass souls, (sorry, your
> friend may qualify), think that they can BUY common sense and experience.
> I am a semi professional trader, (have been a broker for two years) now I
> only play with my money.) I have enough experience and knowledge I could
> start peddling something like this, but I could not sleep at night. (well :-))
> I went thru this myself, bought AIM casettes (Automated Investment Management)
> by Mr. Lichetto (sp?) and even so, it was not the total crap, I could have
> bought his book only !! As a whole it had some merit but not $200 worth.
> Your frind maybe better to take some CC courses or cont. education stuff.
> My .02 dollars worth.

I have no opinion about Given-stuff.  But there are good reasons to pay
extra for casette, video or seminars over books.  Sure, most knowledge
can be read from books, but when was the last time anyone read a book
for three hours?  And when was the last time you watch TV for three
hours?  (last night? :-)

Some people can absorb better in a well organized seminar and some
people (like me) lacks the discipline to start reading a book (and to
complete it.)  I bet most of you here have paid big bucks going to
college.  Well, why not just pick up the text books and study at
nights?  Sure, some people can do the self-education but the majority
can't.
Newsgroups: misc.invest
From: shm@phoenix.syl.nj.nec.com (Shailendra Majmundar)
Subject: STREET EXPECTATIONS...
Reply-To: shm@syl.nj.nec.com
Organization: NEC Systems Laboratory, Inc.
Date: Wed, 22 Jul 92 20:02:11 GMT

I hear in news that Stock performed better/worst/in par with the
street expectations...and market reactions.. etc. Who constitutes 
this "STREET"? Are they brokers, money managers, fund managers, 
market analysts?? Where should I look for the STREET EXPECTATIONS 
before a company posts its earnings?

Sam (shm@syl.nj.nec.com)
Newsgroups: misc.invest
From: rkaren@cbnewsl.cb.att.com (robert.karen)
Subject: NIKKEI Index Fund?
Organization: AT&T
Distribution: na
Date: Wed, 29 Jul 1992 13:42:12 GMT

I apologize if this has been asked on the net before, but I am not a regular
reader of this group. Does anyone know of a mutual fund that tries to follow
the NIKKEI Index? I know that Fidelity does not. Please e-mail any resonses
directly to me. Thank you.


RK
cbnewsl!rkaren
Newsgroups: misc.invest,sci.econ
From: esl_manager@uh.edu
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 23 Jul 92 19:27:10 GMT
Reply-To: esl_manager@uh.edu ()
Organization: University of Houston


	I have glanced through most of the Givens-related articles. They are
interesting discussions and I want to thank those who have contributed.
Among the articles written, I don't believe I have seen any written by
faculties of business schools or even graduate students. I was wondering
if readers from the academia can give us their opinions on materials
from the Givens organization. I believe it will us a more well-rounded
viewpoint.

	Thank you in advance
Newsgroups: misc.invest
From: greg@gregm.Berkeley.EDU (Greg Moritz)
Subject: Re: Should we limit the shorts life time.
Reply-To: greg@gregm.b23b.ingr.com (Greg Moritz)
Organization: Dazix, An Intergraph Company
Date: Sun, 26 Jul 1992 23:07:06 GMT

sehari@iastate.edu (Babak Sehari) writes:
> One of the reasons that stock market crashes is the frenzy of 
> shorting by big investors.  For example, Mr. Ross Perot have shorted 
> $1M of citibank.

... and in another post:
> Now, the person who shorts the stocks with the help of the broker 
> would sell the investor's stock and drive the prices down. 

Most of the news *I* hear (or at least the news I notice) regarding 
'shorts' is that the market for [... ] is *up* due to shorts covering 
their postitions.  

> The shorting, therefore, hurts the people whom the stock market was
> created for in the first place, the real investors who invest in the
> businesses and companies.

It would seem that since most people who short the market lose money,
the overall effect of shorting benifits 'the people whom the stock 
market was created for...' by providing lower prices at which they
may purchase stock.
Xref: sparky misc.invest:9731 sci.econ:6504
From: fierro@uts.amdahl.com (Doug Fierro)
Newsgroups: misc.invest,sci.econ
Subject: Re: Should the government impose a tax on currency exchange.
Date: 21 Jul 92 21:59:35 GMT
Organization: Amdahl Corporation, Sunnyvale CA

In article <2G04SZB@mailgzrz.tu-berlin.de> paul@cs.tu-berlin.de writes:
>sehari@iastate.edu (Babak Sehari) writes:
>
>>Recently, German central bank has raisen the interest rate, despite the
>>knowladge that such move is going to harm our economy.  Therefore, should the
>>US government impose a tax on exchange of dollar to Mark, for all transaction
>>of the currency?!
>
>Funny idea. IMHO, this seems to be not the last increase in German
>interest rates. The aggregates M1, M2 and M3 are way above the
>corridor defined by the Bundesbank. Credit expansion is still the major
>problem and the German government continues to borrow substantial 
>amounts for former East Germany. Most of this money is used for 
>consumption and thus our economy does not really cool down. 
>
>You in the US should not be negatively affected by these high rates. The
>Dollar falls in value and your industry gets hyper-competetive. Have a 
>look at Great Britain. They are really suffering. Poor guys.
>
>Paul Boehm


  Yes, this is true; American goods are now cheaper to other countries,
and the lower dollar might stimulate tourism to the U.S. as well.  The
lower dollar hurts U.S. consumers that buy imported goods, since now 
those goods seem relatively more expensive.

  I'm not sure how the weaker dollar is taken into account to pay off
future debt owed to foreign holders- I believe this makes future investment
in the U.S. look less profitable, which might make it harder for the U.S.
to borrow in the future.

  Doug

-- 
                                                     Doug Fierro
                                      |\             UTS System Software
  O                         __________|_\______      CASE tools development
  \_.______________________| * * * * * * * * */      fierro@uts.amdahl.com
 __\____                   |=================/       (408)746-7102
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
From: sudeep@arc.UUCP (Sudeep Sharma)
Newsgroups: misc.invest
Subject: Question about Zycad and Cypress Semiconductor
Date: 28 Jul 92 17:57:18 GMT
Distribution: usa
Organization: Advansoft Research Corp, Santa Clara, CA


 Couple questions:

 What's the story with Zycad, is it a good buy or is
 the company in trouble?

 Why did Cypress Semi. jump about 2 points? Does the
 future look better?

 Thanx. in advance

 Sudeep
 apple!arc!sudeep
From: klug@Software.Mitel.COM (Peter Klug)
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 22 Jul 92 12:50:16 GMT
	<1992Jul19.072830.1713@burrhus.harvard.edu> <2033@tivoli.UUCP>
	<1992Jul20.233601.8307@eng.umd.edu>
Organization: Mitel Corporation; Kanata, Ontario, Canada
In-reply-to: georgec@eng.umd.edu's message of 20 Jul 92 23:36:01 GMT


In article <1992Jul20.233601.8307@eng.umd.edu> georgec@eng.umd.edu (George B. Clark) writes:

   David,

   What motivates this angry discussion? My friend received his Charles Givens
   merchandize less than a week ago, and he likes it. You must have my
   friend confused with someone else.

   It is unclear why your posting is a lengthy discourse full of angry,
   cynical remarks aimed at offending every investor on this forum who
   is not a Charles Givens disciple.

   If your goal is to win new investors to the Charles Givens methodology,
   you will be more successful if you do so in a way that makes people
   like you. Otherwise, you will be regarded as nothing more than a
   difficult person to be avoided.


Just a comment...  I read David's posting before I read yours.  After
reading yours I reread David's.  It doesn't sound angry to me.  It
merely seems like he's given us an information dump because most
people having been giving opinions based on second hand information
about Givens.  What he says about checking it out firsthand makes
sense if one has the time.  I've read plenty of flames in various news
groups over the years and this simply didn't sound like one to me.

Regards,

Peter

--
*        Peter Klug         *  Peter_Klug@Mitel.COM
*     Mitel Corporation     *  
*  Kanata, Ontario, Canada  *  Nostalgia ain't what it used to be.
Newsgroups: misc.invest