HDTenEightyP/NetNews huggingface dataset:
From: AS.LKK@forsythe.stanford.edu (Laura Kramer)
Subject: Stocks With Stockholder Benefits
Organization: Stanford University, California, USA
Date: Thu, 20 Aug 1992 21:53:34 GMT

I would like information about which stocks offer benefits to
stockholders for such items as hotels, air fares, admissions, etc. I
am aware of Disney having stockholder benefits and wonder what other
corporations might have such benefits.


Newsgroups: misc.invest
From: szhu@rodan.acs.syr.edu (Shane Zhu)
Subject: Re: is it time to invest in Japan?
Organization: Syracuse University, Syracuse, NY
Date: Thu, 20 Aug 92 15:30:04 EDT

In article <scott.714153806@phylo> scott@phylo.life.uiuc.edu (Scott Howard) writes:
>
>Long term, I don't think Japan is as much of an economic powerhouse as
>the media would have you think. If the world commodities market ever
>recovers, they'll really be in for it, given their utter lack of natural
>resources. Canada, Australlia, the U.S., Saudi Arabia, and (eventually)
>Russia aren't going to put up with giving away their resources with no
>value added forever.
>

But two other factors got to be taken into the picture here: Japan's leading
technology and its ever increasing investment and export toward uprising
east Asia, especially China, market. Just consider the potential. Also in a
LONG run, it is kind of visible that Japan might be well in a position to 
lead the world technology in the 90's and next century.

Now that so many experts as well as media all have been predicting further
downwardness of Japanese market, it might be ABOUT the time to get in. A true
contrarian might intuitively see an opportunity to beat the crowd in the
making.
From: rwatkins@BBN.COM (Ron Watkins)
Newsgroups: misc.invest
Subject: credit cards
Date: 17 Aug 92 17:12:27 GMT
Reply-To: rwatkins@BBN.COM (Ron Watkins)
Distribution: usa
Organization: Bolt Beranek and Newman Inc., Cambridge MA
NNTP-Posting-Host: bbn.com

I am searching for a lower interest mastercard or visa
and I thought I heard someone mention arkansas federal savings at 9.5%
has anyone found similar institutions that have low interest credit
cards and can provide me with that information and a phone number to call
for an application ?

thank you very much
Ron Watkins
rwatkins@bbn.com
From: McAldon International Inc. <mcaldon@igc.apc.org>
Newsgroups: misc.invest
Date: 14 Aug 92 19:45 PDT
Subject: option update?
Nf-ID: #N:cdp:1426500242:000:513
Nf-From: cdp.UUCP!mcaldon    Aug 14 19:45:00 1992


Yesterday I received a form from Waterhouse which they said was a
required update of my option trading agreement.  The implication 
was that all of their customers were required to update.  But I
have received no such request from my other broker, Dean-Witter.
I admit I did not profusely document my original option agreemedon@igc.org     |   underestimating the intelligence   |
|                        | of the American public."  HL Mencken |
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From: jl@saint.csd.mot.com
Newsgroups: misc.invest
Subject: Purchase used books you sell
Date: 20 Aug 92 20:34:20 GMT


Hello readers,
The following book list I would like to buy are:
Author		Title				Year
---------------	----------------------------	--------
Neill, Humphrey	The Art of Contrary Thinking	1985
LeBon		The Crowds			1982
Mackay		Extraordinary Popular Delusions	1980
		And The Madness of Crowds

These books are soft paperbacks.  
I live in San Jose, California.  I would appreciate if you
could refer me to some possible used book stores.  If you
want to sell any or all, please e-mail to me at
jl@saint.ca41.csd.mot.com.
John
From: txl@teradata.com (Tuan Le)
Newsgroups: misc.invest
Subject: Re: is it time to invest in Japan?
Date: 18 Aug 92 19:40:06 GMT
Reply-To: txl@tdat.teradata.com (Tuan Le)
Organization: Teradata Corp., El Segundo, CA

In article <1992Aug18.152342.18005@fid.morgan.com> joec@fid.morgan.com (Joe Collins) writes:
>The Tokyo stock market is in the trash (14300 or so) and way off
>its highs. In addition, the US currency is also quite low.
>
>It seems that if I invest in an equity fund targeted at Japan and
>hold for a while, I may have a good chance on both a currency
>play (US Dollar strengthens) and an equity play (Tokyo market
>recovers).
>
>Any opinions?
>
>Joe
>joec@morgan.com
US dollars strengthens you lose.
Japan market recovers you win.
Hopefully you'll break even.
-Tuan
From: timlee@public.btr.com
Newsgroups: misc.invest
Subject: Re: K. Aufhauser & Co.
Date: 13 Aug 92 05:00:14 GMT
Reply-To: timlee@btr.com (Timothy J. Lee)
Followup-To: misc.invest
Distribution: usa

josh@tara.SanDiego.NCR.COM (Josh Mereminsky) writes:
|
|I'd like to here from any experienced
|investors/traders who have had "fishy" experiences
|when trading through Aufhauser.  Needless to say,
|I have had two disturbing experiences
|that I am a bit angered by.  I have never had any
|similar experiences in the past 3-4
|years at Schwab, and it seems to me that Aufhauser
|makes up for their low commissions by
|slicing an eighth or quarter point here and there.

One thing about Aufhauser that kind of caused me to choose a
different broker when shopping around was that Aufhauser
had to run its trades through another broker (Donaldson,
Lufkin, & Jenrette's Pershing division).  Was I just being
paranoid, or does having to do this double the chances of
screwups?

--------------------------------------------------------------------
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.
Newsgroups: misc.invest
From: dale_alexander@qmgate.anl.gov (Dale Alexander)
Subject: Re: Any comments about closing on the new house!
Followup-To: misc.invest
Organization: Argonne National Laboratory
Distribution: usa
Date: Fri, 21 Aug 1992 14:05:09 GMT

In article <1992Aug17.164607.13025@awdprime.austin.ibm.com>,
parikh@parikh.austin.ibm.com wrote:
> 
> Hi,
>      I will be closing on my new house soon.  I am not bringing  
> lawyer to the closing, because, as I heard, it does not worth it.
> Anyone please give me some insights to what I should be looking 
> for in the documents.  What I should and should not do?
>     Please reply to parikh@wizards.austin.ibm.com
> Thanks,
> Kalpesh Parikh

Sure!  Bring your checkbook!  There will inevitably be some fee or
"one-time" city tax that the title co. failed to add to the amount they
told you to make your closing check out for!
Newsgroups: misc.invest
Subject: Re: Altering gold coins (Was: bugs & bugettes)
From: pbrewer@urbana.mcd.mot.com (Philip Brewer)
Date: 12 Aug 92 15:04:11 GMT
Organization: Motorola Computer Group, Urbana Design Center

greg@gregm.b23b.ingr.com (Greg Moritz) writes:

>Lines: 43

>root@sickbay.austin.ibm.com writes:
>> He told me that some of the gold coins were/are "fixed". What he was 
>> refering to is a process that scoopes the gold from a laser disected 
>> krugerrand (or any other coin) for that matter, and re-filled up with 
>> non-precious metal.

>ed@odi.com (Ed Schwalenberg) responds:
>> A coin has a fixed diameter, thickness, and elaborate surface markings 
>> to make it difficult to perform this kind of "fixing".  Bars and ingots 
>> do not, hence the historical requirement of assay.

>> Whether lasers and other miracles of modern technology have made this 
>> kind of fraud sufficiently easy as to be profitible, I don't know.

> [Details on the sorts of measurements to make to verify cold coins and
> bars.]

>In summary, know your dealer or carry accurate measuring equipment with
>you when you buy.

In the late 1970s and early 1980s when gold was shooting for $800 per
ounce there were plenty of advertisments for devices for doing these
things without the need for doing the calculations yourself or fiddle
around with liquids.

One device that I remember was a simple plastic bar with a ridge on the
bottom, a round depression the size of a coin, and a slot.  There was a
different one for krugerrands and maple leafs of each size.

Step one was to place the coin in the depression and set the device on a
flat surface.  The ridge on the bottom was positioned so that the weight
of the coin would be just enough to tip the device down on the coin
side.  If the coin was under-weight the other end would tip down.

Step two was the push the coin through the slot.  The slot was the
correct size and shape to admit the specific coin.  If the coin was the
correct weight but was not of the defined fineness of gold, the coin
would not fit through the slot.

I suspect that these devices are still available.  You might look in
coin magazines for advertisments.

-- 
Philip Brewer                   pbrewer@urbana.mcd.mot.com
Motorola Urbana Design Center   ...!uiucuxc!udc!pbrewer
Mia urino sendrogspuras.  Jen atestilo!  ^Cu mi pli bone laboras nun?
From: acheng@ncsa.uiuc.edu (Albert Cheng)
Newsgroups: misc.invest
Subject: invest in farm land
Date: 12 Aug 92 18:44:00 GMT
Organization: Nat'l Ctr for Supercomp App (NCSA) @ University of Illinois
Originator: acheng@shalom.ncsa.uiuc.edu


With all these gloom and doom news, I have been thinking to buy
some farm land for real long term investment (well, more like
insurance against total economy collapse).  My reasoning is that,
when all fail, i.e. FDIC, U.S. bills/notes/bonds all go bankrupt,
I can go back to my couple hundred acrs of good farmland and raise
crops, wait till the total Depression is over.

	Does it make any sense?  
	Has anyone invested in farmland and can share some views?
	Any recommendation about books on farmland investment?
Newsgroups: misc.invest
From: bsk@leland.Stanford.EDU (Brian Keller)
Subject: Re: K. Aufhauser & Co., Pacific Brokerage Services
Organization: DSG, Stanford University, CA 94305, USA
Distribution: usa
Date: Fri, 14 Aug 92 07:20:19 GMT

In article <1992Aug13.144855.3383@news.nd.edu> dkulkarn@handel.helios.nd.edu (Dinesh Kulkarni) writes:
>Is Pacific Brokerage Services (from LA I believe) any good ?  Do they
>get the same rating as K. Aufhauser or better or as good as Schwab does ?

The Aufhauser discussion comes at a very interesting time for me - I've
been dealing with PBS for over a year now but have been thinking of
additionally opening an account at Aufhauser due to the slightly lower
commissions. Looking over Aufhauser's fees, however, it seems like they
nickel and dime people with a variety of little fees to the point where the
cost difference with PBS is negligable (e.g. 50 cents or less). After the
latest series of posts, I've decided to stick with PBS.

PBS has provided me with excellent service at minimal cost. Since I make my
own investment decisions, I just want a discount broker to execute my
orders quickly and reliably. PBS has fit the bill for me. I like the fact
that their commission schedule is very straight forward. On the phone, the
brokers have been very professional. ONCE they made a mistake (they lost
one of my stock certificates!), but after a couple of phone calls to them,
it was straightened out.

One word of advice when dealing with discount brokers: know exactly what
you want when you call to place an order. If you need a quote before
deciding, know the actions you will take for various expected possibilities
in price. Discount brokers are working on volume and don't have time for
people to ponder over decisions on the phone (this sometimes has the effect
of making one feel "rushed").

Brian Keller
bsk@sun-valley.stanford.edu

P.S: I have no affiliation with PBS except as a satisfied customer, blah, 
blah, blah.
From: McAldon International Inc. <mcaldon@igc.org>
Newsgroups: misc.invest
Date: 12 Aug 92 19:57 PDT
Subject: Re: Bush or Clinton
Nf-ID: #R:l80848INN83n@exodus.eng.sun.com:-1668486203:cdp:1426500240:000:1887
Nf-From: cdp.UUCP!mcaldon    Aug 12 19:57:00 1992


|If environmental "despoilation" was a major factor in comptetitiveness,
|ex-Warsaw-pact countries would be killing us and we would be unable to compete

Raping the environment gives an edge to the raper short term, but cannot
overcome other forms of ineptitude.  

|Even our so-called more environmentally aware European brethren do not protect
|the environment to the extent we do. If you don't agree, I suggest you take a
|trip to Paris, Rome, Naples, ...

How about New York, Los Angeles, Detroit...?  This myth of US superiority
in pollution control was promoted by our "environmental" president based
on a few regulations Congress was able to jam down his throat.

|Dumping involves selling products below their costs of production, not below
|their price in the home market (this can be elusive because of taxes, etc.). I
              
"Elusive" isn't strong enough.  There are too many ways to disguise costs to
allow anything but the most arbitrary decision on what it really costs to
produce a product.  I may be wrong here (but I doubt it:-() but I believe
this is why market price in the home country, which is obvious, is used as
a measure of dumping.
                  
|think this is competition; dumping charges filed by the big three are another
|means to raise prices for you and I. If dumping were a crime, then every US
|airline should be jailed.
|Do the Japanese need to change the way they compete? Probably. Can you blame
|foreign competitors totally for our lack of competitiveness? No way!
        /  Morris J. Zwick	                 Internet: mzwick@vitro.com
           
No argument [except for the grammar]  DMcKenzie

                         |        Vote for the environment          |
|    mcaldon@igc.org     |        Vote against Bush/Quayle          |
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From: df2tg2n@ties.bell-atl.com (Steve Rosen)
Newsgroups: misc.invest
Subject: More on 401K Rollover Legality
Date: 18 Aug 92 12:37:03 GMT
Reply-To: df2tg2n@shoes.bell-atl.com
Organization: Bell Atlantic - Phila, PA


That's to all who responded on my questions about a 401k rollover.  Most
people told me to be careful, which I always would, but was more curious
then anything else.

For public information:

Most also told me about a new law that allows my old employeer to withhold
20% of the money if I do the rollover myself, rather than arrange a
trustee-to-trustee transfer.  When I called my old employeer, they told me
that it would be easier to take the money myself and make my own
arrangements.

Now, I called Vanguard (where I plan to place the money) to send me the
forms necessary.  They also told me about the 20% law, but said that it
*starts next year*.  They said you have to ask the IRS for it back come tax
time (I assume on your tax return somehow).  Nobody who wrote me mentioned
that this starts next year, only that it was a brand new law.  Of course
I'll check with my accountant before I do anything, but can somebody
confirm this?  I probably trust Vanguard (afterall, they have 20% of my
money to lose!) and I really don't trust my old employer (hey, I didn't
trust them to keep working for them, why should I trust them now?), I do
however greatly trust the consensus of the net!  I plan to do this transfer
now and if necessary I'll force a trustee-to-trustee transfer to keep from
losing my 20%.  My old employer didn't wanted to be bothered with anything
other than writing me a check - small company mentality, what can I say>

The interesting thing that Vanguard also told me is the real reason why the
IRS is taking the 20% (besides the obvious reasons - they want your
money!).  Supposedly they are using it to fund unemployment payments. 
Makes sense with so many people being out of work, can anyone substantiate
this?

Can somebody confirm the next year start time for the 20% law?

-- 
 --=========================================================================--
   Steven M. Rosen / Consultant @ Bell Atlantic - SW Engr. Tech. & Standards
                                  1717 Arch Street (6S2), Phila., PA 19103
   Phone Numbers: W (215)466-2061, FAX (215)563-0517, H (215)465-5334
               +++ Internet/E-Mail: df2tg2n@shoes.bell-atl.com +++
 --=========================================================================--
From: landriau@Software.Mitel.COM (Marc Landriault)
Newsgroups: misc.invest
Subject: Pre World War 2 Memorabilia
Date: 11 Aug 92 16:24:11 GMT
Organization: Mitel. Kanata (Ontario). Canada.

A good friend of mine has a book (published in 1936)
including 200 copies of original photos concerning
pre World War 2 memorabilia.

This book is in very good condition for the year.

He saw an article published in 1975, which stated
these photos could be worth a good sum of money,
but he never persued this further.

Currently, he would like to have this book assessed
by someone who professionaly deals with World War 2 
memorabilia.

If someone can refer me to either a company or individual
who is reputable, it would be much appreciated...

Thanks in advance,

Marc Landriault.
From: fmiranda@guild.socal.com (Frank Miran)
Newsgroups: misc.invest,from.socal.com
Subject: Re: credit cards
Date: 17 Aug 92 23:19:47 PST
Organization: TheGuild[FTS]


9.5%? Wow...well, the lowest I've seen is Bank of Delaware at 11.5% with no annual. The Armed Forces benefit Association provides its members with a 12.5% with no annual. That's something you also have to look at: annual fees. Also, the variable, the prime plus, etc, etc...the APR can look good, but the rest of the card can stink. Who is offering this 9.5% card, what is it's APR history, and rating?

--- Via UCI v1.05 (C-Net Amiga)
From: frazier@maxwell (Greg Frazier)
Newsgroups: misc.invest
Subject: Re: How do I get rid of broker????
Date: 13 Aug 92 21:53:24 GMT
X-Newsreader: Tin 1.1 PL4

jaeastman@anl.gov (Jeff Eastman) writes:
: I'm curious if anyone can provide me with some good advice. A couple months
: ago I made
: the mistake of buying 100 shares of stock from a broker who called me and
: claimed to have
: been referred to me by another person where I work (he didn't mention a
: name).
..
: to?  Is he actually
: breaking any rules in calling me over and over?  He called today and let my
: phone ring 5 minutes
: after I hung up on him.

I recommend purchasing an answering machine w/ recording
capabilities to record all of your phone calls.  Every
time he calls, your first words to him are "I am recording
this telephone call."  It is possible to charge this guy
for your time - that is to say, you can take him to court
and sue him for damages, including the amount of your time
spent on the phone with him.  That should wake him up.

--


Greg Frazier	frazier@CS.UCLA.EDU	!{ucbvax,rutgers}!ucla-cs!frazier
Newsgroups: misc.invest
From: philco@microsoft.com (Phillip Cooper)
Subject: Re: Fundamentals, my dear Watson, fundamentals!
Date: 13 Aug 92 23:01:46 GMT
Organization: Microsoft Corporation

In article <BsMA9K.KMs@oryx.com> xcpslf@decsrv.oryx.com writes:
>In article <2285@gandalf.intel.com>, chedley@carthago.intel.com (CHEDLEY_AOURIRI) writes:
>|> In article <1992Aug05.161746.9008@microsoft.com>, philco@microsoft.com (Phillip Cooper) writes:
>|> |>... 
>|> |> >Time to short!
>|> |> >
>|> |> NOT!  Those who gamble (oops, I mean invest) by trying to outguess what
>|> |> the market will do in the short term, will likely lose everything.  And
>|> |> they shouldn't even complain when they do.  Stock markets are for LONG
>|> |> TERM investing.  As in many, many, many years.
>|> 
>
>Then why are there major options markets that function on a less than
>9 month cycle?

  Because, as P.T. Barnum once said...There's a sucker born...

>  You imply that in guessing about "the short term" someone
>would put all their cookies in one basket.  Yes, that would be foolish,
>but careful anaylsis can bring some significant profits on short-term
>investments.

If that is true, then why aren't you, and everyone else here, making
these "significant profits on short-term investments".  If it were true,
then you certainly would not be telling US about it.

>  The difference is that you don't always make a profit.
>You have to quickly determine when you're wrong and get out before you
>loose it all.

I believe that individual investors don't have the time/resources available
to be able to determine, quickly enough, when to get out.  And even if
they did, there is no way to accurately forecast what a market will do
in the short term.

My Opinions. 
Phil Cooper
From: grp@maverick.uswest.com ( G.R. Prabhakara)
Newsgroups: misc.invest
Subject: What is happening to TANDON?
Date: 13 Aug 92 17:16:03 GMT
Distribution: usa
Organization: U S WEST Advanced Technologies

Tandon stock has fallen below $1. Is there any news?
Is it a "Buy"?

Thanks
GR
From: hbe@sonia.math.ucla.edu (H. Enderton)
Newsgroups: misc.invest
Subject: Re: Tax-Free Mutual Funds?
Date: 19 Aug 92 16:02:26 GMT
Distribution: usa
Organization: UCLA Mathematics Department

In article ... cep@taligent.com (Christophe Pettus) writes:
>I'm looking at a prospectus for a tax-free mutual fund.  It invests in
>California state and municipal securities....
>It appears to be an excellent deal.  There's no commission or load, the
>return of the fund has been typically much better than a CD of the
>equivalent amount (even before the tax savings are taken into account),
>the liquidity is excellent (any amount, any time).
>In fact, it's such a good deal that I'm quite certain I'm missing
>something.  What is it?  Anyone have any experience with such a thing?

On the one hand, such funds *are* good deals for many people.  On the
other hand, what you are missing is probably the length of maturity of
the securities.

Comparing the return on a 30-year bond to the return on a 6-month CD
makes apples and oranges look easy.  The rate of return quoted in your
prospectus looks great, because the recent fall in interest rates has
pushed up the price of long-term bonds.  Here is your big chance to get
in on the top floor!

If you compare tax-free money-market funds to taxable ones, the
difference in return is just about what you'd expect.

My favorite are the intermediate tax-free funds, with maturities of
5 - 7 years.

--Herb Enderton    (hbe@math.ucla.edu)
Newsgroups: misc.invest
From: rsingh@goliath.Stanford.EDU (   raj)
Subject: Is there a frequently-asked-questions list for this newsgroup?
Followup-To: poster 
Organization: Makalu Mountain Hermitage, Mt Makalu, Nepal
Date: Sun, 16 Aug 92 20:57:45 GMT


Hello all,

I searched through about 200 past articles, but didn't find any such
list.   Is there such a list at all?  When is it posted? (1st of
the month??)

3% interest in savings account is a joke, and i am willing to
put some small amount in govt bond/mutual fund, but KNOW NOTHING!
(Likely amount: 2-3 thousand)

Please email any suggestions, and PLEASE DON'T PULL MY LEG.
There's always a first time :-)

--raj



-- 
Rajesh Kumar Singh               E-mail: rsingh@goliath.stanford.edu
Gauls!  We have nothing to fear; except perhaps that the sky may fall
on our heads tomorrow.  But as we all know, tomorrow never comes!!
                                         -- Adventures of Asterix.
Newsgroups: misc.invest
From: leseberg@sj.ate.slb.com (Ralph Leseberg)
Subject: Re: Forbes yearly mutual fund issue
Reply-To: leseberg@sj.ate.slb.com (Ralph Leseberg)
Organization: Schlumberger Technologies, San Jose, CA.
Date: Fri, 21 Aug 92 17:47:45 GMT

In article <20894@optima.cs.arizona.edu> bakken@cs.arizona.edu (Dave Bakken) writes:
>Has anyone heard when Forbes excellent annual mutual
>fund issue will be out this year?  I recall it being
>out at about the end of August last year.  Thanks!



The issue is Aug 31, 1992. Subscribers should already have it.



Newsgroups: misc.invest
From: francis@cunixf.cc.columbia.edu (Francis Ho)
Subject: Right time to Invest?
Reply-To: fih1@cunixa.cc.columbia.edu 
Organization: Columbia University
Distribution: usa
Date: Tue, 18 Aug 1992 02:45:44 GMT

someone mentioned to me that there was a "right" time to
invest (tax-wise)

does anyone know what this person meatnt?

(besides when prices are down)


Francis I. Ho                  |  You can dig for silver with a shovel of gold
francis@cunixF.cc.columbia.edu |  You can search for a lover and a hand to hold
                               |  You can wait forever or so I've been told
Newsgroups: misc.invest