HDTenEightyP/NetNews huggingface dataset:
From: tbarnes@Teknowledge.COM (Terry A Barnes)
Newsgroups: misc.invest
Subject: Re: 2oth Century
Date: 16 Oct 92 02:34:02 GMT
Reply-To: tbarnes@teknowledge.com (Terry A Barnes)
Distribution: misc
Organization: Cimflex Teknowledge Corp., Palo Alto CA

>He related that most funds limit their investments to a relatively
>small number of issues so they can watch them VERY closely. I think
>Magellan when he was there allowed him to have 35 or so but he
>said that was unusual - most only allow a fund manager to own
>20 issues. 

Better go back and read that book again.  Magellan had *hundreds* of stocks
under Lynch.  So do lots of other funds.  The fewer stocks in a portfolio, the
riskier and more volatile it becomes.  The SEC prohibits a "diversified" fund
(most fall into this category) from having more than a certain percentage of
its assets in any stock.  The net result is to require a *minimum* of about 20
different positions if the fund is fully invested.

			Terry Barnes

-- 
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Newsgroups: misc.invest
From: eebonar@sn01.sncc.lsu.edu (Dave Bonar)
Subject: Re: Cost-Benefit Analysis of Renting vs. Owning
News-Software: VAX/VMS VNEWS 1.3-4   
Reply-To: eebonar@sn01.sncc.lsu.edu
Organization: News and Views from LSU
Distribution: misc
Date: Fri, 16 Oct 1992 13:38:47 GMT
Nntp-Posting-Host-[nntpd-20234]: sn01.sncc.lsu.edu

In article <samaddar.719184517@dumbo>, samaddar@siemens.com (Sumitro Samaddar) writes...
>
>mitch@giesy.mitch.b17a.ingr.com (Mitch Giesy) writes:
> 
>>           A home is an appreciably asset. A [constantly increasing]
>>           portion of a monthly mortgage payment goes toward the
>>           owner's equity in the home. This is an investment. What is
>>           the amount of a rent check that accumulates for the renter? Zero.
> 
>This is the standard argument of real estate agents. But, the mortgage payment
>has 2 components, principal and interest. Where is the accumulated amount
>paid towards this interset component? Down the drain. Just like the rent.
>So, rent is basically paying an interest on the house without paying any
>component towards principal. As you point out later, a renter could basically
>invest this "component towards principal" anywhere else and make capital
>gains just like on the house. eg; s/he could invest this component on stocks
>and make comparable capital gains. One could use returns from this investment
>to reduce rent payments till they gradually vanish.

	This is only true if rent is less then interest or, at least, rent
is less then the mortgage payments.  I don't know how common it is but my
rent almost exactly covers the mortgage and taxes on the house I'm renting.
[side note; the house was on the market 6 months ago and sold (one landlord
to another) so we know the price it would fetch].  If anything, the rent
is more then mortgage + taxes.  

	I think the renting vs. owning debate is too dependent on individual
situations (both geographic and personal) to have a simple solution.  
Potentially either case could be cheaper/better.  

	As a final note; perhaps everyone else figures that it is covered
in some other variable but I have yet to see any discussion of the liquidity
of a house.  While a house can often be cheaper, even in a relatively short
term, it can be difficult to sell a house if you want/need to move.  It
doesn't take much of paying for housing in two locations to start eating
away at your savings.

Dave
__________
Dave Bonar
eebonar@lsuvax.sncc.lsu.edu
__________
From: jordan@IMSI.COM (Jordan Hayes)
Newsgroups: misc.invest
Subject: Re: December Banking Surprise
Date: 12 Oct 92 13:06:18 GMT
Organization: Investment Management Services Inc., NYC

Bill Tuthill <tut@cairo.Eng.Sun.COM> writes:

	It's hard to know if this is Bush campaign propaganda; the
	source is a "banking analyst" at Veribanc Inc. of Wakefield
	MA.  Overall this is not as bad as I expected.

Is it surprising that the rumors of an administration-backed conspiracy
to slow down the rate of bank failures might not be as bad as posited?
I think those rumors are just to strengthen whatever party-view you
have.  If you're a Bush-y, you say "yeah, those demos won't talk about
it, because it's their fault" and if you're a Clinton-ian, you say
"it's *really* clear to me now that we can't afford four more years"
...

-----

Anyway, here's my speculation: CCI -> $20 after January 1.

:-)

/jordan
From: smm1@troy.uucp (22142-michelson)
Newsgroups: misc.invest
Subject: Re: 20th Century---the real story
Date: 13 Oct 92 20:37:11 GMT
Distribution: misc
Organization: Bellcore, Livingston, NJ

In article <1992Oct12.063435.4123@cs.brown.edu> jhc@iris.brown.edu.UUCP (James H. Coombs) writes:

>>Century takes a long-term view by holding the stocks it deems to be of the
>>highest quality, it is subject to tremendous volatility.  The best article
>
>With 100% a year turnover in Ultra, I find it hard to believe that 20th
>Century takes a long-term view.  Let's see, Growth also averaged well
>over 100% a year until 1991, which was still 69%.  Compare with
>Vanguard, which has funds with more like 25% turnover annually (some,
>not all).  Vanguard seems to have much more of a long-term view.

They're long-term view is reflected in the fact that they are always
nearly 100% invested in the market, as opposed to some funds that shift in
and out of the stock market and into money market instruments during times
they believe the market is overpriced. Just because you sell a stock you
haven't held too long doesn't mean you don't have a long-term view. It could
mean that you believe other stocks are more attractive investments at the
time.

>You really ought to try investing some money with someone else just to
>reduce that blind faith in 20th Century.

I don't recall the original poster saying that the *only* place he/she
invests is with 20th Century. I took it to mean that he/she felt it was a
good place to invest, which I believe is true for some people for some
portion of their portfolio.





_______________________________________________________________________________
Steve Michelson                |   Paying tolls is like throwing money out
Bell Communications Research   |   the window.
smm1@troy.cc.bellcore.com      |   
From: rauchfuss@hpfcso.FC.HP.COM (Brian Rauchfuss)
Date: Mon, 12 Oct 1992 19:54:15 GMT
Subject: Re: Converse Technology
Organization: Hewlett-Packard, Fort Collins, CO, USA
Newsgroups: misc.invest

In misc.invest, nancyl@osiris.cso.uiuc.edu (Nancy Lellenberg Bentrup) writes:

> What does anyone know about a company called Converse Technology? 

They were being pushed a few years ago heavily by some penny stock people.  I
lost a lot of money on them.  Just a warning!

BDR
From: jack@richsun.cpg.trs.reuter.com (Jack Gidding)
Newsgroups: misc.invest
Subject: Re: Converse Technology
Date: 14 Oct 92 13:27:49 GMT

In article <8190130@hpfcso.FC.HP.COM> rauchfuss@hpfcso.FC.HP.COM (Brian  
Rauchfuss) writes:
> In misc.invest, nancyl@osiris.cso.uiuc.edu (Nancy Lellenberg Bentrup) writes:
> 
> > What does anyone know about a company called Converse Technology? 
> 
> They were being pushed a few years ago heavily by some penny stock people.  I
> lost a lot of money on them.  Just a warning!
> 
> BDR

If I seem to remember right, they keep issuing alot of new shares as well. They  
are currently being promoted by Chatfield Dean by cold calling. I would be vary  
wary of purchasing anything by cold calling.

Also, I had looked at them as well, until I read their list of competetors.  
AT&T, E-Systems, and other very large companies. True, small companies do  
sometimes come out ahead, but in this instance, their competetors have much  
more money to throw into R&D than Comverse(CMVT on Nasdaq). It was apparent  
from reading their literature that if their product was really good, they would  
probably get bought out by one of the majors.

Look carefully before leaping....


---
Jack Gidding    Sr. Development Engineer   
Reuters         1400 Kensington Road   Oak Brook,IL 60521

jack@richsun.cpg.trs.reuter.com        NeXT mail welcome!
-----------------------------------------------------------
"Credit is a euphemism for debt."      - Billy McKenzie




Newsgroups: misc.invest
Subject: Re: Agencies that Reduce C-Card debt
From: gary@cdthq.UUCP (Gary Heston)
Date: Thu, 15 Oct 92 20:04:11 CDT
Organization: Garys' Home for Obsolete Computers

acheng@ncsa.uiuc.edu (Albert Cheng) writes:

> In article <2D4JsB3w161w@cdthq.UUCP> gary@cdthq.UUCP (Gary Heston) writes:
> >
> >I still like the idea of freezing the credit cards in a block of
> >ice, to cut down on impulse buying.
> 
> Better put dark ink in or cover the cards while you freeze them.  Else
> I can read the numbers over the phone.  :-)

That wouldn't work in my case; I have it memorized....

Gary Heston, at home....
gary@cdthq.uucp
Xref: sparky misc.invest:12609 comp.sys.intel:1935
From: johna@psdcae1.gvg.tek.com (John Abt)
Newsgroups: misc.invest,comp.sys.intel
Subject: Re: recent microcode ruling
Date: 14 Oct 92 23:00:22 GMT
Article-I.D.: gold.5423
Followup-To: misc.invest
Organization: Grass Valley Group, Grass Valley, CA

In article <1992Oct13.224157.21969@adobe.com> pngai@adobe.com (Phil Ngai) writes:
>The judge in the Intel/AMD microcode case said something
>last week that was supposedly favorable to AMD and caused
>Intel's stock to go down. What I'd like to know is, what
>did he say and what does it mean?

Judge Ingram upheld the June jury decision (which disallows
AMD from using Intel microcode in the 287). He also agreed
to rule, reportedly within a couple of weeks, on AMD's
rights to use the microcode in other products, e.g. 486.
This was seen as favorable to AMD - but of course it
could go against them also.

>Apparently he did not strike down the jury's finding that
>AMD did not have a right to use Intel's 287 microcode in
>their 287.  So why did Intel stock go down? How could this
>be favorable to AMD?

Apparently Intel's stock went down for reasons mostly other
than the microcode issue. The reports I've read are talking
about flat long-term projections. This seems a little odd
to me -  Intel just reported a record quarter, and the P5
seems well positioned to take over as soon as the 486 fades.

John Abt
From: fkittred@spchp11.BBN.COM (Fletcher Kittredge)
Newsgroups: misc.invest
Subject: Re: Formula for prediction?
Date: 7 Oct 92 09:28:51
Organization: Bolt Beranek and Newman Inc., 10 Molton Street, Cambridge, MA
	02138
NNTP-Posting-Host: spchp11.bbn.com
In-reply-to: myllynen@klaava.Helsinki.FI's message of 7 Oct 92 12:10:52 GMT


Olli-Pekka;

I can understand your discomfort at the rude responses you received.
However, it violates netiquette to post private correspondance, no
matter how objectionable you find it.  There are other mechanisms for
dealing with obnoxious correspondents which should be used instead.
For example, you can forward a copy of the message to postmaster@"name
of poster's host", or you can just ignore it.  This is a very
successful tactic.

regards,
fletcher
--
/* Fletcher Kittredge
 * BBN Software Products
 * 150 CambridgePark Dr,  Cambridge, MA. 02140
 * 617-USE-FINK  /  fkittred@bbn.com  /  fkittred@das.harvard.edu
 */
From: John.Rougeau@p4.f184.n132.z1.fidonet.org (John Rougeau)
Newsgroups: misc.handicap
Subject: Spinal Centers
Date: 14 Oct 92 15:51:56 GMT
Reply-To: John.Rougeau@p4.f184.n132.z1.fidonet.org
Organization: FidoNet node 1:132/184.4 - The Bulldog BBS !, Hudson NH
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 25011

[This is from the Spinal Injury Conference]

 >     I'm looking for titles.  I'm looking for a book on sexual options for
 >paraplegics and quadriplegics put out in the early 70s.

I've seen and read that. You may want to try the local college
library <Which is where I found it> If the don't have it, they
should be able to get it from someplace that does. <I worked in the
reference dept for a year>

I found it interesting, anyways.

-Cyndi

--
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From: Jack.O'keeffe@f26.n129.z1.fidonet.org (Jack O'keeffe)
Newsgroups: misc.handicap
Subject: Re: Relay Texas
Date: 14 Oct 92 15:50:46 GMT
Reply-To: Jack.O'keeffe@f26.n129.z1.fidonet.org
Organization: FidoNet node 1:129/26 - SoundingBoard, Pittsburgh PA
X-Fidonet: Silent Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 25003

[This is from the Silent Talk Conference]

 ST>   The PA Relay has been doing that for the past year; they type
 ST>   (m) or (f) after their CA number (Communications Assistant).

Stu, I recall your comment when they first started doing this - that
some CAs who failed to add the (m) or (f) might be experiencing a
gender identity crisis.  I passed it on to Nancy Miller, the relay
manager.  She was amused, but I noted that the CAs became a bit more
consistant with the (m) or (f) thereafter :-)

--
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Internet: Jack.O'keeffe@f26.n129.z1.fidonet.org
From: Carol.Ashland@p0.f319.n105.z1.fidonet.org (Carol Ashland)
Newsgroups: misc.handicap
Subject: Re: scanners.
Date: 16 Oct 92 04:11:33 GMT
Reply-To: Carol.Ashland@p0.f319.n105.z1.fidonet.org
Organization: FidoNet node 1:105/319.0 - Mostly Mail, Aloha OR
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 25075

[This is from the Blink Talk Conference]

 SK> can you go to a computer store andd buy a scanner and get it to work
 SK> with speeeech. to read books and such.
 SK> or what.

I would not recommend going to a computer store and buying scanner
software.  Some of it is graphic-based, and most of it is not friendly
to speech programs.

Carol

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From: Carla.Campbell@p0.f89.n129.z1.fidonet.org (Carla Campbell)
Newsgroups: misc.handicap
Subject: Re: editorial
Date: 13 Oct 92 18:20:33 GMT
Reply-To: Carla.Campbell@p0.f89.n129.z1.fidonet.org
Organization: FidoNet node 1:129/89.0 - BlinkLink, Pittsburgh PA
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 24917

[This is from the Blink Talk Conference]

 IO> He used to compliment me on how well
 IO> vehaved she was and how friendly. that was one heck of a dog.

I always get the funniest feeling when the vet (or anyone else, for that
matter), compliments me on my dog's behavior.  I feel as though I'm
taking credit where credit isn't due-- after all, *I* didn't train him.
He's been well-behaved since I met him.  But then I used to feel funny
when people complimented me on things like my hair-- like I had some
choice in the color it came out when I was born-- so go figure!

I feel sorry for the vets, sometimes, to realize what a relief a
well-behaved dog guide is for them in their daily routine of working
with animals which have no notion, whatsoever, of the meaning of "sit"
and "stay." I'll bet working with some of our critters is a major
relief.

... Read what I mean, not what I write!

--
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From: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org (Joe Chamberlain)
Newsgroups: misc.handicap
Subject: Airline Wheelchair Practices
Date: 9 Oct 92 16:21:16 GMT
Reply-To: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org
Organization: FidoNet node 1:150/175.1 - Busted Flush BBS, New Castle DE
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 24778

[This is from the Spinal Injury Conference]

In a message to Jarrett Knyal <08 Sep 92 22:34> Keith Jones wrote:

 KJ> Anyone else have problems with external catheters on planes? This is
 KJ> the second time this happened to me and it has hardly ever happened
 KJ> before. Must have something to do with gravity or the seated position.
 KJ> Anyhow I did feel bad for the next person who sat in my seat, but I did
 KJ> not know what to do. I should have just swallowed my pride and told
 KJ> them I wet the seat but then it makes all of "us" look bad. Oh well.

Always empty your leg bag before boarding.  The change in air
pressure causes a change in the pressure within the confines of the
bag and effect drainage.

In the early fifties, before pressurized cabins, a lady was
travelling from Boston to Montgomery.  She wore a air filled falsie
to correct for a radical mastectomy for cancer.  As the plane
climbed to altitude her breast size increased.

--
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From: Patti.Bader@p0.f323.n202.z1.fidonet.org (Patti Bader)
Newsgroups: misc.handicap
Subject: Re: Aging....
Date: 14 Oct 92 15:51:49 GMT
Reply-To: Patti.Bader@p0.f323.n202.z1.fidonet.org
Organization: FidoNet node 1:202/323.0 - SHENK'S EXPRESS, La Mesa
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 25010

[This is from the Spinal Injury Conference]

Hi Keith,

 > You got that right. By the time you're ready to leave, I guarantee you
 > will be sick and tired of that bathroom. Not only do the transfers into
 > the shower require you to be somewhat of an athlete (I went from
 > wheelchair to raised commode seat to shower chair and back out the same
 > way since you cannot get a wheelchair next to the shower) but it will
 > be so damn messy in there, it reminds of a rehab nightmare. Oh, don't

Gee, I thought I was the only one to perform these maneuvers<grin>!  I live in
Navy housing, here in San Diego, and for the past 8 years have NOT been able
to get into my bathroom, without assistance.  Well, the Navy finally came in
and widened the door and took out the vanity, under the sink, and put in a
"handicapped" sink that I can just roll under.  I had forgotten what it felt
like to use the facilities again.  I still have not figured out any other way
to use the shower, except by the method you use tool. It would be nice if I
could talk them into a roll-in shower, but I'm sure that would be expecting
too much.  Are you able to transfer yourself to the shower?  I use a board
transfer and have a difficult time by myself, what with sticking to the board,
etc.
Patti

... Time is nature's way of keeping everything from happening at once

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Internet: Patti.Bader@p0.f323.n202.z1.fidonet.org
From: rdietz@nyx.cs.du.edu (randy dietz)
Newsgroups: misc.handicap
Subject: futura tdd software source?
Date: 14 Oct 92 13:26:14 GMT
Reply-To: rdietz@nyx.cs.du.edu (randy dietz)
Organization: Nyx, Public Access Unix @ U. of Denver Math/CS dept.
X-Fidonet: Silent Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 24939

[Note from Bill McGarry -- see the next message for a reply]

Where can I purchase this?  Has anybody seen anything better?

Randy
From: Les.Kriegler@p0.f207.n260.z1.fidonet.org (Les Kriegler)
Newsgroups: misc.handicap
Subject: Re: Computer Questions
Date: 14 Oct 92 15:31:59 GMT
Reply-To: Les.Kriegler@p0.f207.n260.z1.fidonet.org
Organization: FidoNet node 1:260/207.0 - The Recovery Room, Rochester NY
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 24980

[This is from the Blink Talk Conference]

 DB> Secondly you did not mention your synthesizer at home but loading the
 DB> driver outside of Desqview and loading the "ve" program in each window
 DB> can significantly reduce conflicts and lockups.

Hi Don.  I may try that, although I am finally making progress
at work with Desqview.  The Stelth program which had been
causing lockups at home seems to allow for larger windows at
work, and I can at least switch without incident thus far.
Multi-tasking is another matter, and I also need to acquire a
patch for the Intel Fax software I run.  But all in all, it
looks far more encouraging that it did a few days ago.
 DB> P.S. what is the fax software you just got and what does the patch do?

The software I run at work comes with the Intel 200
Satisfaction Board.  It works great with speech, particularly
those packages which allow for automatic reading of boxes and
light bar tracking.  Intel also has a Fax alert which pops up
in a box on-screen when a fax comes in.  It's a pleasure to be
working on something else, have a fax come in, and be notified
automatically of that fact.  The patch apparently allows for
faxes to be received in the background under Desqview.  I know
it must be necessary, as my machine locked completely when I
tried to send a fax today out of WordPerfect, so I am
attempting to hunt down the file that I need.  If you are
looking for a Fax Modem, the Intel Satisfaction 200 and 400
deserve serious consideration.  The products are higher in
price, but for speech users, it may be worth spending the
additional dollars.  Out of the several packages I've either
tried or heard about, it's the only one with Fax alert.  The
nice thing is that if you are out for an extended period of
time, and you leave your computer on, the Fax message stays on
your screen, you have to strike the F10 key to clear it.
That's quite helpful when one is gone for long periods.
Anyway, I do not sell for Intel, but their product works far
better than I thought, and it required very little configuring
to run with Vocal-Eyes.  Hope I answered your question.  Les

... My other vehicle is a Galaxy Class Starship ...

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From: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org (Joe Chamberlain)
Newsgroups: misc.handicap
Subject: Spinal Centers
Date: 9 Oct 92 16:20:56 GMT
Reply-To: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org
Organization: FidoNet node 1:150/175.1 - Busted Flush BBS, New Castle DE
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 24776

[This is from the Spinal Injury Conference]

In a message to Joe Chamberlain <09 Sep 92 09:29> John Lynch wrote:

 JL> I passed the list on to my brother.

I hope they choose wisely.  Just think of all the stuff we were
never told in rehab.

A good question for everyone:  What didn't they tell you in rehab?
If you were able to design an ducation program for the newly
injuried, what would you include?

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