HDTenEightyP/NetNews huggingface dataset:
From: mathex@nuscc.nus.sg (He Xuming (Dr))
Subject: 117
Organization: National University of Singapore
X-Newsreader: Tin 1.1 PL4
Date: Thu, 7 Jan 1993 08:42:40 GMT


This is in response to a question raised in misc.invest: how should
one invest with only $20?

To be serious, if you have only $20 to invest and nothing else,
you better keep it in your pocket.

I assume that he starts with $20 and will have more later. Then,
open an account in a no-load mutual fund. Some funds do not require
a minimum.
Newsgroups: misc.invest
From: pjweaver@laettner.raleigh.ibm.com (Paul Weaver)
Subject: Re: Redeeming Stock Certificate??
Date: Tue, 05 Jan 93 16:19:25 GMT
Reply-To: pjweaver@ralvm29.vnet.ibm.com
Organization: IBM T. J. Watson Research

In article <1993Jan05.154306.10966@rchland.ibm.com>, kmill@rchland.vnet.ibm.com (Kent Milligan) writes:
|> 
|> My wife & I received a stock certificate for 3 shares of WalMart stock as a wedding gift about
|> two & a half years ago.  We're thinking about cashing in these shares, but have no idea how to
|> go about it.  What is the easiest way for us to redeem this certificate?  We do not have a
|> broker or any other stocks.  Thanks in advancde.
|>  
|> 
   You will definitely want to find a discount stock broker, such as Olde or Waterhouse, and
   open an account with them. Then you just bring in (or mail) your certificate to them, and
   they'll sell it, probably for about a $50 fee. This is pretty steep, considering it's only
   worth about 3*$62=$186, so you're basically going to lose about a third of the value.

   You might also consider just passing it on to someone else as a gift, as I believe there
   was a discussion recently in this group concerning how. Or, I think you could also donate it
   to your favorite charity and get a tax writeoff.
|> 
|> 
|> 
|> -- 
|> Kenton Milligan
|> IBM Rochester, Database Management
|> kmill@rchland.vnet.ibm.com
|> GO VIKES!!

-- 

===============================================================================
Paul J. Weaver                 | "It is well that war is so terrible, or men
pjweaver@ralvm29.vnet.ibm.com  |  should grow too fond of it"
-------------------------------|       General R. E. Lee
I speak only for myself        |       Battle of Fredricksburg, VA  Dec. 1862
From: manmetha@gauss.rutgers.edu (Rajesh Malhotra)
Newsgroups: misc.invest
Subject: Mutual Funds for Non Resident Aliens
Keywords: Funds not Taxed In U.S.
Date: 5 Jan 93 22:31:31 GMT
Organization: Rutgers Univ., New Brunswick, N.J.


Fellow Investors,

	Are there any mutual funds that are available for
people not living (and not citizens) in the US? If so are the
returns from these funds taxable in the US?

	I've heard of two families of funds, dividends from which
are not taxable in the US for Non Resident Aliens, viz

	1. Franklin Tax Advantage Group of Funds 
	2. Meridian Group of Funds.

Can any one out there confirm or disprove this? Could anyone also send
me info (Phone #, loads etc) on the above two families of funds?

Any and all responses appreciated.

Thanx,

Raj.
-- 
===============================================================================
  __  __     .
 /   __/    /                               Raj Malhotra.
/   ( /_   /                                voice : (908)613 4313. 
        __/                                 email : manmetha@gauss.rutgers.edu

===============================================================================
Newsgroups: misc.invest,misc.taxes
From: barrett@forge.gatech.edu (James Barrett)
Subject: Re: Need advice to lower taxes
Organization: Georgia Tech College of Computing
Distribution: usa
Date: Fri, 8 Jan 1993 14:54:26 GMT

On this issue of deductible IRAs, I'm unclear about what it means to
be "covered" by a 401(k).  My wife will be eligible for using her company's
401(k) late in the year.  If she does not take advantage of it, will our
IRA contributions still be limited (erased if we make $50k)?

Thanks
-------------------OS/2 v2.0 -- Why settle for anything less?-----------------
James C. Barrett (barrett@cc.gatech.edu)| Atlanta Braves - 1991 and 1992   
Georgia Tech College of Computing       |    World Outdoor Baseball Champs!!
Newsgroups: misc.invest,rec.motorcycles.harley
From: rjc@cbnewsf.cb.att.com (robert.cook)
Subject: Tax Write-off for my Harleys??
Followup-To: poster
Organization: AT&T
Distribution: usa
Date: Fri, 8 Jan 1993 17:55:41 GMT

  Last year, I learned that if one rebuilds a Harley, takes it to shows (i.e.
swap meets) and has it for sale any associated expenses can be written off.
I forget if it then is considered an investment rather than a hobby, or
some-thing like that.

  Anyway, I am rebuilding my 73 Sporty with the intent to show it and sale it.
Same thing with my 83 FLHT, though it doesn't need much work.  Anyone know of
this tax-less :-) feature?

TNKS - Robert
Newsgroups: misc.invest
From: hcy@cbnewsh.cb.att.com (hon-chi.yu)
Subject: Re: flash memory
Organization: AT&T
Date: Tue, 5 Jan 1993 14:19:17 GMT
Keywords: flash memory, disk drives

In article <C0CzB4.JqF@cs.uiuc.edu> watanabe@cs.uiuc.edu (Larry Watanabe) writes:
>I have been hearing a lot about flash memory chips and how
>they will replace disk drives in computers.
>
>Perhaps more informed readers could tell me about the 
>economics of flash memory, disk drives, and the implications
>for the profitability of companies such as Seagate, Maxtor,
>Quantum, etc.
>

I am no expert on flash memory, but I will express my opinion here.
The statement that flash memory will replace winchester disk drives is
a hype (IMO) that Intel tried to create a while back when it announced the
aggressive pricing on its flash memory.  In fact, even Intel has problem
producing the flash memory in large quantities.   
Flash memory should find a niche market in very small notebook or sub-
notebook PCs where the buyers are more willing to pay the premium for
the flash memory.  It will also be used in small personal communicators
if that market matures in the future.  However, it's not likely that
it will replace hard drive in desktop or lower cost notebook PCs due
to price.  Right now, you can get a 200 MB hard drive for $360 and the OEM
price, say about $350.  That's a 3.5" drive used on desktop.  Intel sells
a 20MB flash card for about $399 (I think).  You can see that there is a
big price difference here.  Even the prices of 2.5" or 1.8" drives are
dropping fast due to competition.
The flash memory will become denser and cheaper in the future, but then so
will the winchester drives.  Flash is more reliable, but
hard drives has become increasing more reliable and the MTBF are rising.
Flash is faster, but the difference in speed is reduced when you have
software cache (or hardware) like SMARTDRIVE (sp?).  Flash consumes less
power but it's not that important in desktop, and its power consumption
on notebook is in general < 20% of total consumption. 
The bottom line is: at least in the next several years to come, the majority
of PCs will still use hard drives instead of flash memory.
For longer term, the future of hard drive might well be in the optical
disk area which promises much higher density.

>I have the feeling that less informed security analysts
>have written off disk drive companies, which is why they 
>trade at relatively low P/E (besides the disk drive price war
>factor) but actually there is going to be a niche for
>disk drives for a long time to come.
>

That might well be true.  I think winchester drive will have more than a
niche market for a long time to come.

>-Larry Watanabe watanabe@cs.uiuc.edu


Newsgroups: misc.invest
From: jallred@spdg.com (John Allred)
Subject: Re: Trading Places
Keywords: Eddie Murphy
Organization: Stratos Product Development Group (Seattle)
Distribution: usa
Date: Mon, 4 Jan 1993 19:56:45 GMT

Here's my understanding of the strategy:

1.  Murphy and Ackroyd intercept the real orange juice Crop Report,
which said "no problems with the current harvest".  They pass on to
the Dukes (the rich guys) a doctored report saying that there will be
problems with this years crop.

2.  The trader for the Dukes, acting on the bogus crop report,
believes that the price for frozen concentrated orange juice (fcoj)
will go up, so he starts buying contracts before the official
announcement of the Crop Report.

3.  Ackroyd lets the Duke's Trader buy for awhile (while most everyone
else stays on the sideline, waiting for the official release of the
Crop Report), which raises the price.  After the price rise, Ackroyd
starts selling big volumes ("Sell 200 fcoj at 142" sticks in my mind
as Ackroyd's first bid), which starts driving the price down.

3.  Just before the official Crop Report release, Ackroyd has a huge
short position, while the Duke's Trader has a huge long position.
Someone is going to win big.  Someone is also going to lose big.

4.  The real Crop Report is release, showing that there are no
problems with this years crop.  Hence, there will be no shortage, so
no price rise.

5.  The current price is still somewhat high, since the Duke's Trader
was buying so much before the report release, so every other trader
starts selling, believing that the price will go down.  Since everyone
_is_ selling, the price does go down.

6.  Ackroyd and Murphy wait awhile for the price to go down more, and
then say "Buy 'em", so as to cover their short position.  

7.  At the end of the trading session, Ackroyd and Murphy have huge
gains (they sold high, then bought low), while the Dukes have huge
losses (they bought high, and sold low.)  

I have never traded futures, so take this all with a grain of salt.

John (jallred@spdg.com)
--
From: lburns@ucsce.UCSC.EDU (Len Burns)
Newsgroups: misc.handicap
Subject: School Phobia
Date: 5 Jan 93 19:37:30 GMT
Reply-To: lburns@ucsce.UCSC.EDU (Len Burns)
Organization: University of California; Santa Cruz
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26949

Does any one know of a precedent for
accommodations made for a child who has
a severe school phobia that has not been
aminable to treatment?  Does this
qualify as a disability?  It seems that
it should and that some form of
accommodations should follow.  Any
tidbits of wisdom on this subject would
be greatly appreciated.  Thanks in
advance.

Len Burns
From: John.Moeller@p0.f4.n3613.z1.fidonet.org (John Moeller)
Newsgroups: misc.handicap
Subject: Greetings
Date: 5 Jan 93 21:22:36 GMT
Reply-To: John.Moeller@p0.f4.n3613.z1.fidonet.org
Organization: FidoNet node 1:3613/4.0 - PC MUNCHLAND, Columbus Ga
X-Fidonet: Silent Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26989

[This is from the Silent Talk Conference]

 BS> Hello everyone, I'm another "newbie" and thought I'd say hi and
 BS> introduce myself.  I've been totally deaf since the age of four, when
 BS> I lost my hearing as a result of spinal meningitis.  I attended
 BS> Virginia School for the Deaf and Blind for four years, then was
 BS> mainstreamed because the VSDB curriculum did not meet my parents'
 BS> expectations.  I graduated from high school in 1982, received an
 BS> Associate in Applied Science degree in Computer Processing in 1984,
 BS> and have been working as a programmer/operator for a retirement
 BS> community for the past eight years.

Wow, sounds like fun.  I to am a new user here.  I have only been deaf
for about 2 years though.  I lost my hearing(among other things) to two
brain tumors.  I have been into computers for over 10 years but have
only starting working professionally as a programmer in the past 6
months.  Im working for Total Systems now.  Oh well, dont suppose you
would know where or what that is anyway.

 BS> In 1985, I received a single channel cochlear implant, which I now
 BS> feel was not worth the trouble.  In fact, I hardly ever use it any
 BS> more.  I have considered surgery to install the newer multiple channel
 BS> implant, but at this point I think that I will wait a bit longer and
 BS> let the technology advance further.

I have been wondering about these things.  Exactly what will a multiple
channel implant do.  If I guess right, it will allow me to hear a few
sounds on different frequencies(as opposed to only one frequency in the
single channel ones, yes?).  I too am waiting to see where technology
will go.  I dont think I will see any breakthroughs in my life time
though.  Im certainly not waiting for any anyways.  Im presently
attending sign language classes at one of the local technical schools.
Im not much good at it yet but that will change.  Fortunately my speach
is still quite good and they say it will stay that way as long as I
continue to use it.  I plan to maintain certain ties with the hearing
world as well as making new ones with my new "family".  Glad to meet
you.  Talk to you later(ttyl)...

Oh, and Merry Christmas.

... Even a small star shines in the darkness.

--
Uucp: ..!uunet!bunker!hcap!hnews!3613!4.0!John.Moeller
Internet: John.Moeller@p0.f4.n3613.z1.fidonet.org
From: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
Newsgroups: misc.handicap
Subject: Re: Talking Books, Electronic Textbooks, Etc.
Date: 8 Jan 93 14:04:50 GMT
Reply-To: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 27005

[From the ADA-Law mailing list]

The tendency is to go after the deeper pockets.  The publishing
houses have those deeper pockets so would not avoid the roast nor
would they ultimately avoid the court cases.  I think what would
eventually happen would be at first the institutions would be
required to make alternatives available at their own expense.  Then
when an institution came before the court that uses outside
publishing sources and can prove a hardship case that would point
the derk at the publishers and the courts would in their own slow
time mandate useable publications from those publishing houses.

jude <dashiell@nadc.nadc.navy.mil>
From: Jackie.Alfonso@f1007.n282.z1.fidonet.org (Jackie Alfonso)
Newsgroups: misc.handicap
Subject: BRAILLE MATERIALS
Date: 5 Jan 93 19:41:25 GMT
Reply-To: Jackie.Alfonso@f1007.n282.z1.fidonet.org
Organization: FidoNet node 1:282/1007 - DRAG-Net, Andover MN
X-Fidonet: Able News Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26957

[This is from the AbleNews Conference]

   DRA has available library materials which may be of interest to
people doing research on such areas as the history of the Disability
Rights Movement, or of Disability legislation.  These include 504
Regulations information, a 504 training workshop, and a Consumer Guide
to 504, the official report from the 1981 International Year of Disabled
Persons, and materials from Solidarity Day in 1983.

   Some is old, perhaps dated, but we want to know if it might be useful
before we send it to the great library in the sky.  Anyone who would
like these materials, or anyone who can suggest another library, please
contact us soon.

    Tape versions are also available.  Please contact us ASAP.

Contact:

Disability Rights Alliance
Suite 284 South
1821 University Avenue
St. Paul, MN  55104
612/645-8922 (voice/TDD)

 * QMPro 1.0 41-9039 * This is a fried egg on drugs.  Any questions?

--
Uucp: ..!uunet!bunker!hcap!hnews!282!1007!Jackie.Alfonso
Internet: Jackie.Alfonso@f1007.n282.z1.fidonet.org
From: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
Newsgroups: misc.handicap
Subject: Re: Talking Books, Electronic Textbooks, etc.
Date: 8 Jan 93 14:02:44 GMT
Reply-To: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 27003

[From the ADA-Law mailing list]

The national braille press did this and that's how
the C programming language was published.
There's something called the fair usage doctrine I think that
covers this question.

jude <dashiell@nadc.nadc.navy.mil>
From: cldavies@nyx.cs.du.edu (cindy davies)
Newsgroups: misc.handicap
Subject: Down's syndrome
Date: 5 Jan 93 14:16:27 GMT
Reply-To: cldavies@nyx.cs.du.edu (cindy davies)
Organization: Nyx, Public Access Unix at U. of Denver Math/CS dept.
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26940

I am looking for a list or newsgroup for parents of children with Down's
Syndrom.  Please e-mail me at cldavies@silver.sdsmt.edu if you are aware of
such a list.

--

TNSTAAFD -- There's No Such Thing As A Free Dog.

cldavies@silver.sdsmt.edu        cldavies@nyx.cs.du.edu
From: Wayne.Briggs@p0.f5109.n124.z1.fidonet.org (Wayne Briggs)
Newsgroups: misc.handicap
Subject: Re: Hello
Date: 5 Jan 93 20:38:14 GMT
Reply-To: Wayne.Briggs@p0.f5109.n124.z1.fidonet.org
Organization: FidoNet node 1:124/5109.0 - National Amputee Co, Dallas TX
X-Fidonet: Amputee Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26967

[This is from the Amputee Conference]

Hi Bruce. Welcome !
A good source of information is Jack Northrup in Onley, Texas, area
817. He is Onley cioty manager and is co-chairman of the 1 arm Dove Hunt
Assn. I remember meeting two or three guys with aamputated fingers
there. If you are interested, prosthetists make a device for folks who
have lost a thumb. I met a teenAger from  Brownwood. His doctor moved a
big toe to give him a thumb. He seemed pleased, although he said he
sometimes gets into trouble by giving guyes the "wrong toe."
What kind of work do you do and where do you live ?  My right arm was
amputated aat the shoulder in October. Some depression is normal,
grieving is a way to adjust to changes & losses that are not desired.
Jack is willing to talk with folks & you can call him at work or home.
His ecretary is used to getting calls from new & other amputees, & makes
an effort to give you good service. You are elligible to join the 1 Arm
Dove Hunt Assn. We meet once a year in Olney on a Friday & Saturday
during Dove season. There is lotsa of informal visiting, a trap shoot
with new Winchester automatics as prizes, entertainment Friday night,
lots of good free brisket & homemade pies, field huntiung Saturday after
a Cow Chip thropwing contest. My home phone is 915, 691-0722 in
Abilene,Tx.

--
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Internet: Wayne.Briggs@p0.f5109.n124.z1.fidonet.org
From: Sheila.Fava@f68.n382.z1.fidonet.org (Sheila Fava)
Newsgroups: misc.handicap
Subject: ADAPTIVE SPORTS CALENDAR
Date: 5 Jan 93 19:40:44 GMT
Reply-To: Sheila.Fava@f68.n382.z1.fidonet.org
Organization: FidoNet node 1:382/68 - Diabetes Discussion, Austin TX
X-Fidonet: Abled Athlete Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26954

[This is from the Abled Athlete Conference]

        A T H L E T I C    S P O R T S    C A L E N D A R

                      F E B R U A R Y -- 1 9 9 3

Lexington, KY -- Feb. 5 - 7       | Austin, TX -- Feb. 14
  14th Annual Bluegrass           |   River City 10-Miler
   Wheelchair Basketball Tourney  |   CONTACT:  John Ferguson
    CONTACt:  Diane Bonfert       |             3219 Oak Alley
              Dept. Park & Rec.   |             Austin. TX  78745
              545 N. Upper Street |             (512)282-4175
              Lexington, KY 40508 |
              (606)255-0835       |
------------------------------------------------------------------
Salinas, P.R. -- Feb. 18-28       | Tucson, AZ -- Feb. 21
3rd Wheelchair World Shooting     |   10-Mile Wheelchair and
    Championships                 |     Rollerblade Tournament
      CONTACT: Dave Bascom        |($15 entry fee before Feb. 5)

               102 Park Ave.      |  CONTACT:  Robert Taylor
               Rockledge, PA 19111|            Enterprise Group
               (No phone #)       |            4732 N. Oracle Rd.
 ----------------------------------|            Tucson, AZ 85705
Brainerd, MN -- Feb. 21-28        |            (602)293-8600 (V)
Ski For Light International Week  |      (FAX) (602)293-7709
    CONTACT:  Jeff Pagels         |------------------------------
              1400 Carole Lane    | Winter Park, CO -- Feb. 26-28

              Green Bay, WI 54313 |            Columbia Crest Cup
              (414)494-494-5572   |       * Qualifier * for 1993

                     ^ Evenings   |         disABLED Alpine Ski
----------------------------------|       Championships ($10,000)
Tampa, FL  Feb. 27                |         CONTACT: Paul DiBello
Gasparilla Distance Classic       |            Nat. Sports Center
CONTACT:  (See Above)             |            POB 36
           POB 1881               |            Winter Park, Colo.
           Tampa, FL 33601        |            80482
           (813)229-7866          | Phone: (303)726-5514 Ex. 158
----------------------------------|        (303)726-4112  (FAX)
Care is taken to list accurate    |-------------------------------
dates  and  locations but changes may have  occurred that may have not  been
 received  prior to  publication  (Sports  N' Spokes Magazine -- Vol. 8 - #4).
 Please confirm with the CONTACT person
the details for each event you wish to
 attend.
------------------------------------------------------------------
                    ---Sheila

                    *** HOST(ess) ABLED-Athlete Conference ***

--
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Internet: Sheila.Fava@f68.n382.z1.fidonet.org
From: Carol.Katz@f47.n161.z1.fidonet.org (Carol Katz)
Newsgroups: misc.handicap
Subject: Re: Actors
Date: 5 Jan 93 21:22:22 GMT
Reply-To: Carol.Katz@f47.n161.z1.fidonet.org
Organization: FidoNet node 1:161/47 - Serenity in Sonoma, Santa Rosa CA
X-Fidonet: Silent Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26987

[This is from the Silent Talk Conference]

KK>  -=> Quoting Carol Katz to Karen Keil <=-

KK>  CK> You missed one Karen, that if you yell loud enough the deaf
KK>  CK> person will hear you, I ran into this at school.

KK> You are right....these were not the only two---just the two right
KK> off the top of my head.

KK> That's another one I encountered, too, along with a misconception
KK> that hearing aids made one perfectly normal in hearing and could
KK> understand people talking behind his/her back.  Still another one
KK> was held by a neighbor boy who seemed convinced that he had to
KK> yell right into my body hearing aid to talk to me, regardless of
KK> my repeated explanations that it wasn't necessary!  Ooooh!

        ROTFL, I saw it at school one day, one of my friends wears two
        hearing aids, and lip reads extremely well, well with both she
        can usually carry on a conversation, but one day in the
        cafetaria one of the women behind the counter decided that my
*        friend could hear as well as anyone else, so she was talking to
        her with her head down, well my friend could not hear that well
        and couldn't even see her lips, this women behind the counter
        became real mad and started yelling at my friend, well I went
        running up and asked what the problem was, this women said that
        my friend was just a so and so because she wouldn't respond, I
        informed the women that my friend couldn't hear her, she made
        some comments that I took directly to the manager of the
        cafateria and filed a complaint, these are the things that make
        me very made, our instructor came over and asked if there was
        something that she could do, when I told her what was going on I
        thought she'd hit the roof, BTW the instructor is profoundly
        deaf.  These are the attitudes that I find very demeaning.

KK> ... We now return to our regularly scheduled flame-throwing.

        This I want to stay tuned for!

 * OLX 2.1 TD * Nine out of ten men who try camels prefer women.

--
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