HDTenEightyP/NetNews huggingface dataset:
From: jxs18@po.CWRU.Edu (Jerry Sy)
Newsgroups: misc.invest
Subject: Re: IRA's and Fundwatch Online (Q)
Date: 31 Dec 1992 13:48:43 GMT
Organization: Case Western Reserve University, Cleveland, OH (USA)
Reply-To: jxs18@po.CWRU.Edu (Jerry Sy)
NNTP-Posting-Host: hela.ins.cwru.edu


In a previous article, bbl7597@ritvax.isc.rit.edu () says:

>You would be better off to go to your local library and look at Morningstar's 
>book or any other mutual funds reference. Morningstar is updated every 2 weeks
>

yes I know, but the Pittsburgh library system sucks! none of Carnegie Mellon,
University of Pittsburgh or Carnegie Public Libraries carry MorningStar!
And I certainly don't want to spend $55 on it yet.  I did took a look at
it at Cleveland Public Library (perhaps the nation's best public library)
when I was there last week.  Anybody from Pittsburgh knows which library
has MorningStar Mutual Funds ?


Newsgroups: misc.invest
From: cs6@TorreyPinesCA.ncr.com (Eric Sit 3611)
Subject: Re: Margin questions
Organization: NCR (Torrey Pines Development Center)
Disclaimer: This posting does not necessarily reflect the opinions of NCR.
Date: Wed, 30 Dec 92 18:50:18 GMT

In article <72505@cup.portal.com> Eric_S_Klien@cup.portal.com writes:
>Hi, I'd like to manage some people's money and I'd like to use a 
>broker that doesn't penalize margin accounts that are "concentrated".  
>I currently use Pacific Brokerage Services which already qualifies 
>but to keep my records clean I would like to use another broker for 
>these managed accounts.  Can anyone recommend another broker besides 
>PBS that can do this?
> 
>By the way, some person at Brown & Co. said they would go as low as 
>30% equity on "unconcentrated" accounts.  Can anyone confirm this?  
>This seems 5% too low to me!
> 
>Eric Klien

I am curious to know what are "concentrated" and "unconcentrated" accounts?
Thanks.

Eric
Newsgroups: misc.invest
From: U876567@u1.cdram.com
Subject: Kmart has positioned itself ahead of competition in Mexico.
Organization: Unix public Access
Date: Tue, 22 Dec 1992 22:30:29 GMT

---
12/21 (DJ) Kmart Corp. In Joint Venture With Mexican Retailing Firm >KM

    MEXICO CITY -DJ- Kmart Corp. (KM) and Mexican discount retailer El
Puerto de Liverpool SA said they are forming a joint retailing venture
in Mexico.
    The companies plan an investment of $250 million each, with the
ultimate goal of opening 100 discount stores In Mexico, said Enrique
Bremond, Liverpool's chairman.
    Initially, the companies hope to open two or three pilot stores in
Mexico City sometime next year. The venture promises to create 36,000
new jobs in Mexico, Bremond said.
     2:10 PM
                                 -END-


Newsgroups: misc.invest
From: ssimmons@convex.com (Steve Simmons)
Subject: >>>>>> Supercomputer picks for '93
Date: Tue, 22 Dec 1992 13:28:57 GMT
Organization: Engineering, CONVEX Computer Corp., Richardson, Tx., USA
X-Disclaimer: This message was written by a user at CONVEX Computer
              Corp. The opinions expressed are those of the user and
              not necessarily those of CONVEX.


Don't forget Convex!!!! We've dominated the mini-super market and have grown
into the Cray super business.  Our joint venture with HP has already produced
a product based on cluster technology (like IBM's) and we are working fast
and furious on producing a more tightly integrated MPP system using the 
HP RISC chip.  Obviously, I can't say much more but things are going great!!!

Thank you. 


						Steve Simmons
From: kchen@Apple.COM (Kok Chen)
Newsgroups: misc.invest
Subject: Re: Stock Symbols for Fun & Profit
Date: 31 Dec 92 18:20:10 GMT
Distribution: na
Organization: Apple Computer Inc., Cupertino, CA

ask@cbnews.cb.att.com (Arthur S. Kamlet) writes:

>Some stock symbols have "cute" or "fun" references to the company.
>...
>There are quite a few such symbols which are Not part of a company's
>name or initials.


Micron Technology is MU.  When they were listed with NASDAQ, it was DRAM.  


>CQ   - Comsat (Ask any ham radio operator)

.... ..  .... ..


Kok (CQ DX) Chen, AA6TY			kchen@apple.com
AAPL
Newsgroups: misc.invest
From: beng@oakhill.sps.mot.com (Ben Gullette)
Subject: what happened to dorf?
Summary: is dorf's stock quote server still on-line?
Keywords: dorf stock quotes
Organization: Motorola Inc., Austin, Texas
Distribution: na
Date: Mon, 28 Dec 1992 20:56:40 GMT

I've been away from this group for some time....

Is dorf's mail server still on-line? I've tried
a couple of paths and my messages bounce back.

Does anyone have a current email path for dorf's
server?


-- 

Ben Gullette  (512) 891-2198
uunet!oakhill.sps.mot.com!beng
Motorola 88000 Development
From: rlcarr@animato.network23.com (Rich Carreiro)
Newsgroups: misc.invest
Subject: Re: What good is a non-deductible IRA?
Distribution: usa
X-NewsSoftware: GRn 1.16f (10.17.92) by Mike Schwartz & Michael B. Smith
Date: 29 Dec 92 00:51:55 EST
Organization: The Other Side of Life

In article <ljuvr9INNofj@exodus.Eng.Sun.COM> tut@cairo.Eng.Sun.COM (Bill "Bill" Tuthill) writes:
> Is is my view that non-deductible IRAs are nearly worthless.  Since you
> get charged a 10% penalty for early withdrawal, the money is basically
> stuck there until you reach the age of 59.  Moreover, you never know
> when Congress is going to change the tax law.  Why I'm so old I remember
> the days before a 10% penalty!

True.  However, assume you can invest and get an overall 8% return.
Also assume that you are in the 33% bracket.  So your marginal rate
is at least 33%, maybe higher depending on state/city.  So, that means
your aftertax return is only 5.36%.  An example...
$1000 invested for 15 years at 8% = $3320 for $2320 in earnings
$1000 invested for 15 years at 5.36% = $2234 for $1234 in earnings.

Now tax away 43% (33% + 10% penalty) of $2320 = .57(2320) = $1322 after taxes
on the IRA distribution.  So even with the penalty, you come out better after
15 years.  If you can afford to leave the money in even longer, you do even
better.  After all, e^(.08*t) is always e^(0.0264*t) larger than e^(0.0536*t).
Eventually that difference will more than make up for the 10% penalty.  And
if you can make it to 59.5 years, that 10% penalty goes away.  Now, granted
this assumes that the rules stay basically the same, of where there is no
guarantee, but it is definitely false to say that non-deductible IRAs are
worthless on the face of it.

> If you have access to one, a 401(k) or 403(b) is superior because they
> are fully deductible, have higher maximums and no salary cap, and often
> provide loan provisions.  If you are self-employed, a Keogh is better
> because it is fully deductible.

These are all definitely superior (though of course CONgress can always
change the rules to screw you over) -- especially 401(k)'s where the company
has matching contributions of some sort.  However, note that some 401(k)'s 
may well offer very limited investment choices, whereas an IRA can be invested
in just about anything the owner wants (except for collectibles, real estate, 
etc.).  A person may have very valid and reasonable reasons to use a 
non-deductible IRA, though of course he's almost always better off putting
money into the 401(k) first, especially at least enough to draw the maximum
amount of matching funds from the employer.

-- 
Rich Carreiro                                  Home: (401)841-8514
rlcarr@animato.network23.com
uunet.uu.net!animato!rlcarr
From: McAldon International Inc. <mcaldon@igc.apc.org>
Newsgroups: misc.invest
Date: 28 Dec 92 22:33 PST
Subject: Re: IBM: What's your bottom line?
Nf-ID: #R:hpcc01.corp.hp.com:4250052:cdp:1426500317:000:619
Nf-From: cdp.UUCP!mcaldon    Dec 28 22:33:00 1992


|So, what's your bottom line:
|If you owned IBM stock right now, would you sell it?
|Thanks for any/all feedback (especially insider :-)!
|Howard Lynch

If I had a big loss I could use to offset profits, I sure would. I
think IBM is a great speculation instrument.  The dividend cut is
already in the stock price, IMHO.  When everybody is pointing out
all the terrible things wrong with a stock might be a good time to
take a flier.  Of course all those folks might be right:-)

|    mcaldon@igc.org     | Opinions dispensed herein not guaranteed |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
From: loszewski_im@hnrc.tufts.edu
Newsgroups: misc.invest
Subject: Mutual Funds???
Date: 29 Dec 92 15:01:41 GMT
Organization: USDA HNRC at Tufts University

I am interested in investing money in some mutual funds.  I am 23 and no 
nothing about mutual funds or the stock market.  I was planning on doing 
"business" with Primerica. 
My questions are:  how safe are mutual funds and how reputable is Primerica?

Any information would be much appreciated.  I don't usually frequent misc.invest
so could you please send any replies via email.  Thankyou.

-Rob

Loszewski_im@hnrc.tufts.edu
From: dbernard@clesun.Central.Sun.COM (Dave Bernard)
Newsgroups: misc.invest
Subject: Re: Novell to buy USL
Date: 29 Dec 1992 18:16:22 GMT
Organization: Sun Microsystems
Distribution: world
Reply-To: dbernard@clesun.Central.Sun.COM
NNTP-Posting-Host: clesun.central.sun.com

In article J5G@polstra.uucp, larryba@polstra.uucp (Larry Barello) writes:
>In article <1hcbt7INNbbm@cronkite.Central.Sun.COM> dave bernard write:
>>...
>>	What does NT sell for these days?
>>
>
>Last I checked $60 or so got you a CD-ROM with the entire NT development
>kit, compilers, the OS all tools, tons of samples and the entire 
>documentation set.  I am certain that the paper doc's cost extra.
>
>Eat that USL...
>-- 
>Larry Barello			uunet!polstra!larryba

Is this a development package, sold only to qualified ISVs, or is it
the end-user price?  

	Dave



Newsgroups: misc.invest
From: krol@ux1.cso.uiuc.edu (Ed Krol)
Subject: Re: Mutual Funds or I.R.A.'s?????
Organization: University of Illinois at Urbana
Date: Wed, 30 Dec 1992 15:42:16 GMT

loszewski_im@hnrc.tufts.edu writes:

>Being 23, which would be better to invest in, mutual funds, or an I.R.A.??

I think the answer is probably Yes.  If you are investing for the real
long haul (>7 or so years) its probably best to do a mutual fund in an
IRA.  In that time you are probably still ahead if you need the money out
to eat the 10% penalty.

Newsgroups: misc.invest
Subject: Re: Could someone talk to me about Novell (NOVL-OTC)
From: gary@cdthq.UUCP (Gary Heston)
Date: Tue, 22 Dec 92 20:06:36 CST
Organization: Garys' Home for Obsolete Computers

rmandel@bu.edu (Richard Mandel) writes:

> matthew bohnert (bohnert@leland.Stanford.EDU) wrote:
> : Hi gang,
> : 
> : As many have noticed, Novell's stocked got whacked bad last week after 
> : reporting `disappointing' earnings that were lower than street expects
> : by 0.01/share.  I've made some decent pin money by trading short-term
> : on these kinds of plays, buying within 1 week or so after the loss,
> : holding for  ~1 month or so until the price creeps back up to its previous
> : level.  Yeah, I know, NOVL is still expensive, but I'm on about a 75% win
> : streak over the past 2 years with this strategy....
> : 
> 	I recently read that when a stock takes a big hit because of 
> earnings disappointment, a month later it will on average be down an amount
> equal to the initial loss and after three months it will have regained
> only 5% of the total loss.  By this rule of thumb, buying stock that 
> have takne big hits is not a winning strategy.

Considering that Novell announced today that it's signed a letter of
intent to buy Unix Systems Laboratories from AT&T, and they'll be
taking a ~$250 million charge in 1Q93, I think it's going to go 
down a lot more before it swings back up.

Unfortunantly, the morale among Unix users and developers is going
to go down a *lot* further, and will probably *never* turn around.
However, that's not something that can be sold short. (From my 
point of view, this is probably one of the two or three *worst*
things that could happen to Unix; I don't think it has any future
under Novells' control.)

Gary Heston, at home....                ...looking for recommendations
gary@cdthq.uucp                           on Windows NT books, or a
                                        deserted tropical island...
From: merritt@macro.bu.edu (Sean Merritt)
Newsgroups: misc.invest
Subject: Re: Supercomputer picks for '93
Date: 24 Dec 92 17:39:17 GMT
	<MINCY.92Dec23130110@mjolnir.dev.think.com>
Organization: Boston University Physics Department
In-reply-to: mincy@mjolnir.dev.think.com's message of 23 Dec 92 21:01:10 GMT

In article <MINCY.92Dec23130110@mjolnir.dev.think.com> mincy@mjolnir.dev.think.com (Jeffrey Mincy) writes:


   Organization: Thinking Machines Corporation, Cambridge MA, USA
   Lines: 25
   NNTP-Posting-Host: mjolnir.think.com

   In article <MERRITT.92Dec23120259@macro.bu.edu> merritt@macro.bu.edu (Sean Merritt) writes:

      From: merritt@macro.bu.edu (Sean Merritt)
      Date: 23 Dec 92 17:02:59 GMT

      In article <1992Dec21.161812.9321@netcom.com> hcb@netcom.com (H. C. Bowman) writes:

       Kendall Square Research has had a bumpy ride as an IPO. Started around
       10 went to 5 1/2 and is currently around 13. KSRC on the NASDAQ.
       There machines are massively parallel and scalable. The have a
       patented technology of "all cache" memory.

   Actually KSRC is currently at 18 1/2.  An Alex. Brown & Sons analyst changed 
   to a buy recommendation after KSRC annouced smaller losses and a preliminary 
   marketing agreement with Siemens Nixdorf.


True. And I got in at 7 1/2 8^)!
I've been pretty busy at work and haven't been wathcing things as closely
as I should


#       Thinking Machines are still closely held. They are my pick to
#       dominate or at least set the pace.

I still think this is true.

 
   -- jeff
   mincy@think.com
         ^^^^^^^^^
But then you probably agree don't you Jeff?
---------------------------------------------------------------------------

-sjm


--
Sean J. Merritt		         | "Every revolt is a cry of innocence    
Dept of Physics Boston University|  and an appeal to the essence of being."
merritt@macro.bu.edu             | Albert Camus, The Rebel
Newsgroups: misc.invest
From: pvonk@scott.skidmore.edu (Pierre VonKaenel)
Subject: MetaStock??? opinions..
Organization: Skidmore College, Saratoga Springs NY, 12866
Distribution: na
Date: Thu, 31 Dec 1992 20:38:30 GMT


I've recently explored Compu$erve's investment fora and have been
reading about MetaStock.  Got the demo program as well.  Do any of you
use it?  Have an opinion?  The demo, I suspect, takes a lot of time
and a good understanding of TA theory.

While I'm at it, what about SSG (software from NAIC)?  This is for
fundamental analysis.  In the past, I have been a "news analyst",
reading about changes in management, production, etc.  I figure this
precedes fundamental changes which probably precedes technical changes
(if you follow me).  Any help at finding good investment software is
welcome.  Thanks in advance.


-- 
Pierre von Kaenel  |  Math & CS Dept | Skidmore College | pvonk@skidmore.edu
----------------------------------------------------------------------------
1983 game ads from PC Connection : Temple of Apshai, Curse of Ra, Zork,
Deadline, Frogger, Call to Arms, Tigers in the Snow, Apple Panic; $15-$35
From: jxs18@po.CWRU.Edu (Jerry Sy)
Newsgroups: misc.invest
Subject: more IRA questions (multiple IRAs)
Date: 31 Dec 1992 18:07:44 GMT
Organization: Case Western Reserve University, Cleveland, OH (USA)
Reply-To: jxs18@po.CWRU.Edu (Jerry Sy)
NNTP-Posting-Host: hela.ins.cwru.edu


is it possible to have multiple IRA accounts, that is, for example,
one with Vanguard and one with Fidelity, as long as my total annual
contributions do not exceed $2,000 total ? or is it $2,000 max contributions
per account ?

and do I keep track of the contributions myself ?

also the same question as the previous poster, can an IRA be transferred
into a company 401K plan ?

please email response if possible.

thanks
jerry
From: gilman@cshl.org (Michael Gilman)
Newsgroups: misc.invest
Subject: Re: Quicken & Investments
Date: 3 Jan 93 18:58:43 GMT
Followup-To: misc.invest
Organization: Cold Spring Harbor Laboratory

In article <1993Jan2.143316.783@uoft02.utoledo.edu>,
brieck@uoft02.utoledo.edu wrote:
> 
> 	Didn't I just read a couple of days ago about an add-on for Quicken?
> Someone said that it was about $19 if I remember correctly.
> 	I recently purchased Quicken for Windows and am hoping it will help me
> as I start to invest. I love the program and it works well for credit
> cards/bank accounts/etc, but how well is it suited to stocks/bonds? And what can
> you tell me about this add-on?
> 
> Thanks!
> 
> Brian Rieck

The add-on I have heard about is a tie-in with a credit card that allows
you to download charges monthly in a Quicken-compatible format. Saves you
the trouble of entering and allocating credit card charges manually each
month.

mg
gilman@cshl.org
From: NRCGSH@ritvax.isc.rit.edu (Norm Coombs)
Newsgroups: misc.handicap
Subject: Courts and disability access to ed
Date: 30 Dec 92 15:30:19 GMT
Reply-To: NRCGSH@ritvax.isc.rit.edu (Norm Coombs)
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26927

[Note from Bill McGarry - forwarded from the EASI mailing list]

On this morning's news on the radio, I heard an item about a
school, think it was a proprietry school maybe in Calif. which
helped prepare people to take some important exam.  It was sued by
a hearing impaired student because it wouldn't provide materials in
an accessible format.  The court made some decision requiring it to
provide interpretting services.

I'm not sure if the case was filed under ADA or which legislation.
But, it may be one that is worth our knowing about in EASI.

If anyone picked up better info than I, would you send it back to
the list as well as to me?

Norman Coombs
From: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
Newsgroups: misc.handicap
Subject: free fishing licenses
Date: 23 Dec 92 19:21:34 GMT
Reply-To: dashiell@nadc.nadc.navy.mil (Jude DaShiell)
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26884

Pity had nothing to do with it.

History if i remember it correctly was that the blind in america in
past years were so rich they didn't have a pot to piss in or a
window to throw it out of.  When people are in that income bracket
or were in past years food isn't the easiest item to acquire.  This
was simply an attempt to make sure some protein needs could be met
at affordable prices.  The same logic holds if you live in alaska
since you're allowed to spend food stamps on fishing line.  That
can help put food on the table in that location.  as for what's
going on today, i have heard many stories some of them good but not
all are that way.

I think a serious reassessment of where the blind are in america
economically should probably be done on a state by state basis to
determine if this provision is even warranted anymore.  I'm sure in
some states it will not be found to be warranted any longer but
texas won't be one of them and mississippi is not likely to be one
of them either.  Remember horses for courses.

jude <dashiell@nadc.nadc.navy.mil>
From: WKJ%NIHCU.BITNET@SCI.CCNY.CUNY.EDU (Bill Jones)
Newsgroups: misc.handicap
Subject: Dr. Glaser
Date: 30 Dec 92 15:24:09 GMT
Reply-To: WKJ%NIHCU.BITNET@SCI.CCNY.CUNY.EDU (Bill Jones)
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26901

Does anyone know how to contact Dr. Bert Glaser, an eye surgeon
experimenting with treatements for macular blindness?  Thanks.

Bill Jones, NIH Computer Center
From: FCTY7310@RYEVM.RYERSON.CA (Woodill, Gary)
Newsgroups: misc.handicap
Subject: REPOSTING ON ADA IN LIBRARIES
Date: 30 Dec 92 15:27:58 GMT
Reply-To: FCTY7310@RYEVM.RYERSON.CA (Woodill, Gary)
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26913

[Note from Bill McGarry - this is from the DISRES-L mailing list]

I thought the following might be of interest to members of this list - G.W.

from:         neville@UTXVM.BITNET
subject:      re:ADA and technology
To:           Gary Woodill <FCTY7310@RYERSON.BITNET>

----------------------------Original message----------------------------
> ----------------------------Original message----------------------------
> New Mexico State is beginning to explore how to appropriate bring adaptive
> technology into the library.  What are other libraries doing?  How have you
> involved the user community in your decisions?  Thanks

  Reply:

At The University if Texas at Austin, we have an array of adaptive
technology that is interconnected to allow students to configure the
system the way they choose.  It includes a scanner (Kurzweil), a
Braille computer (Versabraille II), a pc with both voice and large
print options (Vert is the voice and screen review, Vista the large
print), an ink printer and a Braille printer (Versapoint).  We've
had this array for several years, and are in the process of replacing
of it with new technology.  Other, stand-alone equipment includes
CCTVs, tape recorder/playback units, portable Braille typewriters, and
an Optacon.

Before our latest request for equipment, we talked with people
from the Commission for the Blind and the Rehabilitation Commission
to see what changes they were planning in the equipment they
provided to students.  We talked to students from the campus
student organization of students with disabilities, and had
students with disabilities participate in the demonstrations we
scheduled with the vendors of adaptive technology.

Our current configuration provides access to the online catalog,
some Dialog databases, Lexis/Nexis, and indexes mounted on UT's
mainframe and accessed through the online catalog.  When the
CD-ROM network is up and running and our new computer is
installed, students with visual impairments will have access to
the networked CD-ROMs and Internet resources.

I'm exploring assistive listening systems for library presentations
and adapted keyboards for people who need them, closed caption
decoders for videotapes, and other issues involving users with
hearing impairments.  With other campus agencies, I'm exploring
the possibility of setting up a campus-wide system for producing
Braille copies of library handouts and all the other printed
communications a University puts out.  Our current, stop-gap
solution, is to print out library handouts on request with
the Braille printer in our adaptive technology center.

Well, that's what we're doing, and how we're involving our users.
Hope it helps.

Ann Neville
Facilitator, Services to Users with Disabilities
neville@utxvm.bitnet  neville.cc.utexas.edu internet
From: AMINZADE%UVMVAX.BITNET@sci.ccny.cuny.edu (Russell Aminzade)
Newsgroups: misc.handicap
Subject: Spell Checking for Dyslexics?
Date: 30 Dec 92 15:24:01 GMT
Reply-To: AMINZADE%UVMVAX.BITNET@sci.ccny.cuny.edu (Russell Aminzade)
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26900

[Note from Bill McGarry - forwarded from the WordPerfect 5.1 mailing
 list (WP51-L) by Patt Bromberger]

An administrator here says she has dyslexia and finds the spell
checker in WP51 useless.  Sounds like we would need more than just
an additional dictionary here, rather a different algorithm for
finding misspellings.  Any hints on patches or third-party products
out there?
From: patt%SQUID.TRAM.COM@RYEVM.RYERSON.CA (Patt Bromberger)
Newsgroups: misc.handicap
Subject: Marketing Techniques for Distance Education Programs
Date: 23 Dec 92 20:18:26 GMT
Reply-To: patt%SQUID.TRAM.COM@RYEVM.RYERSON.CA (Patt Bromberger)
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26897

[Forwarded from the Disability Research list by Patt Bromberger]

I would like to start a dialogue with those who would like to
discuss marketing techniques for distance education programs. This
may be of particular interest to practitioners who would like to
discuss the latest in marketing trends in distance education
institutions.

Interested parties may either post their responses or contact
me directly at lexy@ac.dal.ca

Sincerely,
Craig Merriam
Manager of Distance Education Programs
The Centre for Public Management
Dalhousie University