HDTenEightyP/NetNews huggingface dataset:
From: timlee@public.btr.com
Newsgroups: misc.invest
Subject: Question on Telefonos de Mexico / TMX / TFONY
Date: 6 Sep 92 00:49:20 GMT
Reply-To: timlee@btr.com (Timothy J. Lee)
Distribution: na

Can someone explain the capital and ADS structure of Telefonos de
Mexico in more detail than the S&P Stock Reports do?  It appears
that TMX (ADS for 20 L shares) is 20 times everything (earnings,
dividends, etc.) of TFONY (ADS for 1 A share) except voting rights
(L shares have limited voting rights), but the S&P Stock Reports
mentions something about exchanging 1 A share ADS for 0.075 of
an L share ADS.

--------------------------------------------------------------------
Timothy J. Lee                 timlee@btr.com  ...!decwrl!btr!timlee
This message comes with no warranty, not even an implied warranty of
fitness for any particular purpose.
From: nicklaus@lonetree.lonetree.physics.wisc.edu (Dennis J. Nicklaus)
Newsgroups: misc.invest
Subject: Re: IRR for an uneven cash flows
Date: 15 Sep 92 13:36:40 GMT
Organization: Univ. Wisconsin High Energy Physics

>In article <12550@sail.LABS.TEK.COM> atharp@sail.LABS.TEK.COM (Athar Pasha) writes:

>>I invest $3000 on the first of month. On the 23rd I invest another 150. 
>>On the 26th I sell all my shares. What is the IRR? Note that this is not
>>the textbook type IRR in which cashflows implicitly occur once a period either
>>at the end or the beginning.
>From: jhc@m2lll.uucp (James H. Coombs)
>Good question!  Hope someone posts an answer.  --Jim
It isn't that hard, actually (I don't think).
Suppose you by 300 shares at $10/share on the first.
On the 23rd, they are at 15. So you think, "Hey, this is going places!" and
buy 150/15=10 more shares at $15/share. 
Total investment=$3150.
Now on the 26th, the price drops to $12 and you sell 310 shares
at $12/share=3720.
Your return on the first 300 shares is:
600(gain)/3000(invested) * 365/26 (annualized) = 280% !
On the next 10 shares your return is:
(-30)(loss)/150  * 365/3 (annualized) = -2433%  !!!

But you have to average these together based on principle:
[3000*280 + 150*(-2433)] / (3000+150)  = 151% return annualized.

The only difference between this and the "textbook" cases is that the
period is different, so you have to balance out by # days.

I think.
Dennis
Newsgroups: misc.invest
From: barrada@infonode.ingr.com (Ahmed Barrada)
Subject: saatchi
Organization: Intergraph Corporation, Huntsville, AL.
Date: Tue, 8 Sep 1992 19:21:59 GMT

Recently Saatchi had a reverse split.  Was it 5:1?

Sincerly ,

Ahmed Barrada

--------------------------------------------------------------------------------

Ahmed Barrada
ALB24A , 104H / LR24A
Infrastructure Group / AEC
Intergraph Corp
Huntsville , AL 35894-0001 , USA

Internet: barrada@karam.b24a.ingr.com

205 / 730-8150 w , 205 / 730-8743 f
Newsgroups: misc.invest
From: aboba@world.std.com (Bernard Aboba)
Subject: Re: stock market server on Internet?
Date: Sun, 06 Sep 92 21:04:01 GMT
Organization: MailCom
Followup-To: misc.invest

In article <5042@bacon.IMSI.COM>, jordan@IMSI.COM (Jordan Hayes) wrote:
> 
> Danie Behr <dbehr@dos-lan.cs.up.ac.za> writes:
> 
> 	Can anyone tell me about sources on the Internet that provide
> 	info on stock markets and/or access to relevant journals like
> 	Wall Street Journal, Investors Dialy.  I am not only interested
> 	in the USA.
> 
> This question comes up from time to time, and I always wonder if people
> are seriously thinking they can get data for free.  On the other hand,
> I wonder what it might take to get some ticks on the Internet.
> Certainly it would take money.  But how much might people be willing to
> pay?  If they could get it, what would they want?
> 


Dow Jones News Retrieval is now accessible on Internet. It's not free,
but it's quite useful for investment analysis. 

Bernard Aboba
Author of "Bulletin Boards and Beyond"
Internet: aboba@world.std.com          FidoNet: 1:161/445
MailCom, 5337 College Ave., Suite 326, Oakland, CA 94618
Fax: (510)540-1057
From: xuyy@vax5.cit.cornell.edu
Newsgroups: misc.invest
Subject: Re: Japan no more vs. German interest rates
Date: 14 Sep 92 12:04:29 EDT
Distribution: misc
Organization: Cornell University

Don't you regret now you've left Japan?

Mukunya A.K.
From: jberlin@falcon.aamrl.wpafb.af.mil
Newsgroups: misc.invest
Subject: H&R Block
Date: 14 Sep 92 16:16:12 EST
Organization: USAF AL/CFH, WPAFB, Dayton, OH


      It is the time of year for H&R Block to be offering their
 basic income tax course.  In researching the company, I found
 they make considerable income in their training.  Also they 
 own Compuserve computer services, and of course they provide
 the income tax filing service.  Anyone have any comments on
 any of the 3 areas?  

-- 

  Jim Berlin
 
"The opinions and views expressed here are strictly my own and do not 
necessarily reflect the official position of either the U.S. Air Force 
or its contractors."

Newsgroups: misc.invest,misc.taxes
From: robert@unlv.edu (Robert Cray)
Subject: U.S. Savings Bonds
Originator: robert@peewee.cs.unlv.edu
Organization: University of Nevada, Las Vegas
Distribution: usa
Date: Mon, 7 Sep 92 19:23:32 GMT

I just found a series EE $50 savings bond issued 11 years ago in april
of 1981.  I didn't even know I had it, apparently someone gave it to me
back then.  Someone told me they continue to increase in value after they
reach full value, is this true?

					--robert
--
robert@cs.unlv.edu
Newsgroups: misc.invest
From: rbarr@x102a.harris-atd.com (barr eric 16815)
Subject: Re: IRR for an uneven cash flows
Date: Tue, 15 Sep 1992 20:47:16 GMT
Reply-To: rbarr@x102a.ess.harris.com (barr eric 16815)    
Organization: Harris Corporation GSS, Melbourne, Florida

Several people have asked how to calculate rate of return for a portfolio
with an irregular series of investments and withdrawals.  Here's how to
do it with Microsoft Excel 4.0 and the XIRR function:

Say you invested $100 on Jan 31, $200 on Feb 15, and $200 on March 28.
These investments are now worth $550.  To figure your annualized
rate of return, set up two columns in your spreadsheet as follows:

     Amount         Date
      100       =date(92,1,31)
      200       =date(92,2,15)
      200       =date(92,3,28)
     -550       =date(92,9,15)

Note that the last row represents today's date and portfolio value (which
must be entered as negative).  Next define the range names AMT and DATES
to correspond with the above columns.  Then enter the formula 
=XIRR(AMT,DATES,.1), formatted as a percent value.  Excel will calculate 
your annualized percent rate of return.  

Some notes: You can use negative amounts to indicate withdrawals.
Also, I'm pretty sure XIRR doesn't consider compounding, so be careful
when comparing to compounded investments.

I like to convert the APRs to year-to-date returns and plot them
week-by-week against the market averages.  It's a good way to see
how you're doing.

Rick Barr
rbarr@x102a.ess.harris.com
(407) 727-6111
From: grande@cbnewsd.cb.att.com (brad.l.grande)
Newsgroups: misc.invest
Subject: Payable on Death - US Savings Bonds
Keywords: POD
Date: 15 Sep 92 13:39:34 GMT
Distribution: usa
Organization: AT&T

Greetings,

There has been a lot of useful discussion on US savings bonds in this group
lately, but I have a different related question.

I was going through my files last night and found a couple of series EE bonds
in my father-in-laws' name with payable on death assignments to my children.

My father-in-law passed away a year and a half ago.  Am I required to cash the
bonds now, or can/should I wait until they mature?

What is the tax liabilty in this case?  (he left very little behind and there
are just 2 $100 notes).  The bonds are only about 2 years old.

Thanks in advance.


Brad Grande	WB0OYX
Another bike riding beer brewing kite flying amateur radio operator who
	still likes CD's!

AT&T Bell Labs
Naperville Illinausea
PLEASE SEND RESPONSES TO:	grande@iwtil.att.com
att!iwtil!grande
(708)-979-7853
Newsgroups: misc.invest
From: joe@montebello.soest.hawaii.edu (Joe Dellinger)
Subject: Re: Star/Cirrus network access fee
Reply-To: joe@montebello.soest.hawaii.edu
Organization: School of Ocean and Earth Science Technology
Distribution: usa
Date: Sat, 5 Sep 1992 08:28:52 GMT

	Surprisingly, most of the banks in Hawaii seem to offer free
unlimited use of their cards on lots of other networks. Something I
hadn't seen on the mainland: even Japanese networks are supported here.
My theory is that the banks here want to make sure tourists have an
easy time getting money to spend... especially JAPANESE tourists, who spend
FIVE TIMES MORE PER PERSON PER DAY than North American ones. So do banks
around Las Vegas also tend to support free use of other bank's cards?

	I was also quite surprised to discover my Hawaii bank card worked
to get cash abroad, and the currency conversion was done at a rate better
than I could get out of the banks there.

     /\    /\    /\/\/\/\/\/\/\.-.-.-.-.......___________
    /  \  /  \  /Hawaii Institute of Geophysics, Honolulu\/\/\.-.-....__
___/    \/    \/Joe Dellinger, Internet: joe@montebello.soest.hawaii.edu\/\.-.__
From: dbk@pslu1.psl.wisc.edu (Don Katz)
Newsgroups: misc.invest
Subject: Re: Effects of U.S. national debt
Date: 15 Sep 92 22:37:29 GMT
Organization: Physical Sciences Lab, University of Wisconsin

In article <BuMw6s.66o@apollo.hp.com> goykhman_a@apollo.hp.com (Alex Goykhman) writes:
>    Any debt is short-term inflationary, and long-term deflationary, unless 
>    the borrowing results in productivity increases sufficient to offset
>    interest payments on the debt.  I doubt very much that, in the long run, 
>    goverment spending/borrowing can enhance productivity.

Why is debt deflationary in the long run? I would think it would be
inflationary, since the debt will debase the value of the underlying
currency, and will create the temptation to keep interest rates lower
here to reduce debt service. Inflationary monetary policies will also
reduce the real value of the principal.
-- 
-----------------------------------------------------------------------------
Don Katz                                .         Physical
                                       .- / \ -.      Sciences
University of Wisconsin - Madison   ./'  /+-+\  `\.       Laboratory   E-MAIL
Newsgroups: misc.invest
From: cs6@TorreyPinesCA.ncr.com (Eric Sit 3611)
Subject: Re: The US dollar and the Maastrich (sp?) treaty
Organization: NCR (Torrey Pines Development Center)
Disclaimer: This posting does not neccessarily reflect the opinions of NCR.
Date: Mon, 7 Sep 92 19:33:27 GMT

In article <1992Sep3.213020.26294@tamsun.tamu.edu> henrik@stat.tamu.edu (Henrik Schmiediche) writes:
>
>    Hi,
>Sometime during this month (Sep 20?) the French voters will vote on
>supporting or rejecting the Maastrich (sp?) treaty. I was wondering if
>anyone knows if and how the strength of the dollar relative to other
>European currencies will be affected should the treaty pass (or fail)?
>
>--
>Henrik Schmiediche, Dept. of Statistics, Texas A&M, College Station, TX 77843
>E-mail: henrik@stat.tamu.edu  |  Tel: (409) 845-8886/9447 Fax: (409) 845-3144

Among other things, the Maastrich treaty specifies that all participating 
countries must keep inflation rate and govt debt below a certain level.
This would add stability and strength to the participating countries' 
currency, especially those that are used to be weak.  Investors have been 
investing in the weaker currencies like lira in anticipation of the passage
of the Maastrich treaty.

However, a no vote would mean that the Maastrich treaty is in danger of 
collapsing.  The strengthening of DM in the last two weeks is the result 
of investors preparing for the possibility of a no vote.  Since investors
are discounting a no vote, I would guess that a no vote would further 
strengthen the DM, but at a slower rate.  If the French vote yes, investors
would be more optimistic about the ultimate passage of the treaty, and DM
may lose some of the strength.

Eric
From: McAldon International Inc. <mcaldon@igc.apc.org>
Newsgroups: misc.invest
Date: 06 Sep 92 16:30 PDT
Subject: Re: Intl Bond caution
Nf-ID: #R:cdp:1426500252:cdp:1426500255:000:551
Nf-From: cdp.UUCP!mcaldon    Sep  6 16:30:00 1992


|Why would you want currency exposure in Internation bonds anyway?
|Most investment pros hedge foreign bond purchases via currency
|futures or forwards. That way they are guarnateed a return in
|U.S. dollars, which is usually 0.5-1% higher than U.S. treasuries.
|Bernard Aboba

Unhedged European bonds have been big winners during the last six
months I've followed them. Why argue with reality?:-(  DMcKenzie

|    mcaldon@igc.org     |        "History is bunk"  Henry Ford     |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||


From: rauchfuss@hpfcso.FC.HP.COM (Brian Rauchfuss)
Date: Thu, 10 Sep 1992 14:22:33 GMT
Subject: Re: Expansion of Stock Exchange abbreviations
Organization: Hewlett-Packard, Fort Collins, CO, USA
Newsgroups: misc.invest

In misc.invest, gtcrosby@uts.EDU.AU (G Crosby) writes:

> Abbrn.           Company
> 
> AMAT
> MRK
> GM	 	General Motors
> MSFT	 	Microsoft
> TOY	 	Toys R' Us (? don't bet on this)
> RN
> F	 	Ford
> HAL
> GE	 	General Electric
> SYN
> HD
> MO
> DIS	 	Disney
> HWP	 	Hewlett Packard

BDR
Newsgroups: misc.invest
From: ajg@controls.ccd.harris.com (Arnold Goldberg)
Subject: Re: What is Venture Capital??
Organization: Harris Controls and Compositions
	<18k3hcINNl75@early-bird.think.com>
Distribution: usa
Date: Wed, 9 Sep 1992 12:10:23 GMT

>>>>> On 9 Sep 1992 05:53:48 GMT, barmar@think.com (Barry Margolin) said:

	Barry> This is why it's stock, not a loan (or, in investment terms, a bond).  If
	Barry> it were a loan, the investor would be near the head of the list of
	Barry> creditors who get paid back out of whatever assets you have left when you
	Barry> declare bankrupcy.  Holders of preferred stock, on the other hand, are at
	Barry> the tail of the list.  Their risk is therefore the highest, but so is their
	Barry> potential payoff if the company succeeds, since they generally purchase
	Barry> stock at very low prices.

I thought preferred stock was higher up in priority then common stock.
I know this holds true for dividends at least...

arnold

--
------------------------------------------------------------------------
Arnold Goldberg                            Email:  ajg@ccd.harris.com
Phone: (407)242-5051                       Snail:  Harris Corporation
Fax  : (407)242-4262                               407 John Rodes Blvd.
                                                   Melbourne, FL 32905
The opinions expressed are my own and do not in any way represent Harris 
------------------------------------------------------------------------
From: mikef@hpspdla.spd.HP.COM (Mike Fischer)
Date: Wed, 9 Sep 1992 21:03:43 GMT
Subject: Re: Re: Star/Cirrus network access feenex
Organization: HP Stanford Park - Palo Alto, CA
Newsgroups: misc.invest

Southern California Savings allows their ATM card to be used at any
STAR, PLUS, Instant Teller, Exchange, and others with no charge for the
first twelve withdrawals or point-of-sale debits per statement cycle. 
Also they pay interest on checking accounts and charge no monthly fee if
you have automatic deposit of your paycheck.  They have eight branches
in Northern California besides lots in the LA area.

I think these examples show how worthwhile it is to shop around.  It
might even be worth the trouble to do business with an out-of-town bank
if the local ones have all agreed not to compete at these levels.  I
have a friend in Menlo Park, CA who still uses her Chicago checking
account because there are no fees for anything.  The ATMs and automatic
deposit make this a lot more practical.

I have no connections with SCS except being a satisfied customer for
about four months.  Before that I used Wells Fargo for over 10 years,
and before them, Bank of America.  The big guys just don't seem to be
willing to be as competitive as some smaller ones.  Maybe economies of
scale don't work with banking.  Certainly some smaller institutions may
carry more risk.  You must do your own research as to their strength and
reputation.
Newsgroups: misc.invest
From: wiener@puhep1.princeton.edu (Jim Wiener)
Subject: Risk Magazine
Keywords: Risk
Organization: Physics Dept., Princeton University
Distribution: ca
Date: Fri, 11 Sep 1992 01:35:08 GMT

  Does anyone know where I can write to get a subscription to RISK
Magazine?

      -Jim Wiener
Newsgroups: misc.invest
Subject: Re: AMD rally
From: newwave@desire.wright.edu
Date: 11 Sep 92 09:21:32 EST
Organization: Wright State University 

In article <5187@gold.gvg.tek.com>, johna@psdcae1.gvg.tek.com (John Abt) writes:
> AMD is on the move again, up 1/2 yesterday and
> up 3/4 today (Thurs) to 12.5. Vol today was 1.78 mil.
> 
> I don't have a clue this time... but I don't get
> Dow Jones either.
> 
> John Abt

  From what I heard/read sometime back was that their 386 chip was going to be
used in some new line of PCs.  I think it was DEC/IBM introducing a complete
new line of micro computers.  I may be wrong about the companies DEC/IBM.  But
someone is going to use the AMD386 parts.

Cheers...
K. Desai
Newsgroups: misc.invest
From: tony2@prefect.uucp (21131-gozdz)
Subject: Re: Quotes Newsgroup?
Organization: Bellcore, Livingston, NJ
Date: Sat, 12 Sep 92 13:57:26 GMT

In article <18rg1lINN5df@usenet.INS.CWRU.Edu> ar017@cleveland.Freenet.Edu (Nolan Whitaker) writes:
>
>There isn't one.  (you cannot get timely quotes over INTERNET
>newsgroups.)
>
>Correct me if I am wrong, but there are only 2 ways to get
>current quotes over INTERNET:
>1) COMPUSERVE
>   Telnet hermes.merit.edu
>   and log on with YOUR ACCOUNT  (not free---in addition to
>   standard connect charges, there is a network surcharge of
>    $11.70 per hour/ 19.5 cents per minute)
>
>2. DOW JONES NEWS RETRIEVAL
>   I am not sure about the procedure, but like Compuserve,
>   you must also have your own account (ie: not free)
>
>This is the most frequently asked question in the world
>(at least it seems that way to me...)

Every time you open any account at Schwab, OR execute
any transaction with them, you will get 100 free quotes
using their software ($69) which, BTW, allows you to
do much more. No personal experience, thou...

Tony
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
Antoni S. Gozdz                tel  (908) 758-2931  |  Bellcore  NVC 3X-261
tony2@prefect.cc.bellcore.com  FAX  (908) 741-2891  |  Red Bank, NJ 07701, USA
                           no .sig, strictly business
Newsgroups: misc.invest
From: rubin@visual1.jhuapl.edu (Don Rubin)
Subject: Probable FAQ, cheap online quotations services
Reply-To: rubin@visual1.jhuapl.edu (Don Rubin)
Organization: Johns Hopkins Univ APL
Date: Mon, 14 Sep 92 17:13:16 GMT

I am new to this group and I wonder if some kind person
can E-mail me (our newserver has a short memory!) an
FAQ for this group and/or information on CHEAP online
quote services. I want my UNATTENDED PC at least once daily
(and perhaps several times during the day) call into somewhere
and get stock quotes (15 min delay OK). I will write the
program, what I need is the quote service. Thanks!!!

-- 
Don Rubin, Consultant
Johns Hopkins University APL
rubin@procon.jhuapl.edu
(301)953-6386 or (301)588-8010
From: jmuth@pyrps5.eng.pyramid.com (John Muth)
Newsgroups: misc.invest
Subject: Re: Long-term direction of the dollar
Date: 4 Sep 92 18:50:19 GMT
Organization: Pyramid Technology Corporation, Mountain View

In article <2312@gandalf.intel.com> chedley@carthago.intel.com (CHEDLEY_AOURIRI) writes:
>In article <1992Sep3.181618.10270@engage.pko.dec.com>, pub@riscee.pko.dec.com (Publius) writes:
>...
>|> policy with the fiscal policy.  The Fed creates money by easing
>|> credit (not by overhauling the printing press) and thus creates even
>|> more debt.  The more the Fed eases the credit, the bigger the short
>|> position on the dollar grows ...
>|> 
>True! But trees do'nt grow to the sky!!!
>It is not a perpetual motion machine, and the FED can't ease credit (or 
>print money) forever!!!
>At some point, bond investors (or lenders) will ask for their money back.
>And they do'nt expect to be paid in "devaluated" dollars either.... 

You are right about trees not growing to the sky and inflating the dollar
will have REALLY BAD effects, but your details are wrong. 

First, Treasury securities (and other bonds) have a specific maturaty date. An 
investor can't just "ask for his money back" before maturaty. The investor
can only sell the bond on a secondary market (assuming such a market exists).

Second, investors do indeed expect to be paid back in devalued dollars
that's why there's an inflation premium built into long term interest rates.

The net effect of a heavy devaluation of the dollar would be VERY high 
interest charged on new debt and a blood bath in the bond markets as 
the price of existing bonds drops to refelct the new, higher interest
rates. For more deatils, just look in your history books under "The 1970's".

-John Muth
Newsgroups: misc.invest
From: aboba@world.std.com (Bernard Aboba)
Subject: Re: German Fund
Date: Sun, 06 Sep 92 20:59:10 GMT
Organization: MailCom
Followup-To: misc.invest

I have investigated foreign bond funds, and think they are generally
a bad idea. Here is why:

1. Studies show that most of the fluctuation in foreign bonds is due
to currency movements, NOT interest rate movements.

2. Therefore, it is possible to hedge the currencies via forwards, and
therefore elminate currency risk.  You still are sensitive to
interest rate changes, however. Hedging is now considered a "base case" by
many investment managers. That is, they hedge by default.

Studies have shown that if you do this you can get 0.5 to 1 percent
higher rates than in the U.S., on average. If you diversify between
countries, your risk can actually be lower than investing in U.S.
treasuries. Therefore this approach looks like dominant strategy.

3. There is no foreign bond fund that I know of that hedges. Therefore
they are utilizing a strategy that has been proven to give suboptimal
results. 



Bernard Aboba
Author of "Bulletin Boards and Beyond"
Internet: aboba@world.std.com          FidoNet: 1:161/445
MailCom, 5337 College Ave., Suite 326, Oakland, CA 94618
Fax: (510)540-1057
Newsgroups: misc.invest
From: tony2@prefect.uucp (21131-gozdz)
Subject: Re: Mutual Fund NAVs wanted
Organization: Bellcore, Livingston, NJ
Date: Fri, 11 Sep 92 12:49:57 GMT

In article <DSEAMAN.92Sep10121017@world.std.com> dseaman@world.std.com (David Seaman) writes:
>
>I'm looking for a source of historical daily net asset values for
>mutual funds, preferably on disk or tape. I know NAVs are available
>via CompuServe, but that doesn't quite suit my needs. Anybody know
>where I can find this data?  I'm willing to pay, although I'm not
>above accepting something free. I need lots of data, so using the 
>newspaper would be prohibitively time-consuming, as would photocopying
>pages from the Daily Stock Price Record.
>
>
>Assistence gratefully received at:
>
>dseaman@world.std.com

As I said in one of my previous posts, if you buy a
trial one-month subscription to Investor's FastTrack, 
an on-line database of 740 mutual funds and indices
(1-800-749-1348), you will get a nice graphics program
and the above database from 9/1/88 until present. The
program includes 9 technical indicators with buy/sell
signals etc. It's a steal for <$20, but it's also
addictive (which means that you will probably subscribe
to it for $20/month). The daily updates are via a 1-800
number, but you've got to get a password. The updates
and upgrades are fully automated. You need 5 MB of disk space.

Morningstar's database is available on a CD, but it
_is_ expensive ($800 - $1,200 a year).

Just a happy subscriber

Tony
-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
Antoni S. Gozdz                tel  (908) 758-2931  |  Bellcore  NVC 3X-261
tony2@prefect.cc.bellcore.com  FAX  (908) 741-2891  |  Red Bank, NJ 07701, USA
                           no .sig, strictly business
Organization: Carnegie Mellon, Pittsburgh, PA