HDTenEightyP/NetNews huggingface dataset:
From: rbeville@tekig5.pen.tek.com (Robert E Beville)
Newsgroups: misc.invest
Subject: reading qtrly reports
Keywords: book recommendations
Date: 8 Sep 92 22:21:42 GMT
Distribution: usa


	K wilk @ Mitre asks about interprtetation of quarterly
	reports... 

	1. There's a little booklet you can get at your nearby
	Merrill Lynch brokerage office... they are usually in the
	lobby-ticker tape area;  labelled  something like
	"How to read financial reports", about a fictitious 
	XYZ Manufacturing Company... and all its ratios and
	financial statements...

	2. A XEROX Learning Center pair of books in programmed
	instruction style with about the same title.... To find
	this consult some community colleges ah... self paced
	learning centers...

	3. a McGraw Hill book, in most libraries, entitled Financial
	Analysis  by Graham, Dodd and Tottle... discusses fin... reports
	and how to look at banks, railroads, insurance cos, service
	cos.

	that's -OWARI- from GLOWWORM-7-9-4
	best regards, rbeville@tekig5.PEN.TEK.COM
	Bob Beville, Tektronix, Inc., Beaverton, OR 97077
	o
	"Start thy purse to fattening." -- The First Cure... For a Lean
	Purse.  _THE RICHEST MAN IN BABYLON_, George S Clason.
Newsgroups: misc.invest
From: jim@doink.b23b.ingr.com (James B. Reed)
Subject: How to contact SEC?
Reply-To: jimreed@b23b.b23b.ingr.com
Organization: Intergraph Corporation, Huntsville, AL.
Date: Tue, 15 Sep 1992 19:53:56 GMT

Have any of you ever filed a complaint with the SEC?
If so, how did you contact them and what steps did
you have to go through?

I have been trying for a couple of months to complete
the sale of some stock I own in a company that recently
went public.  I have never attempted to buy or sell
publicly traded stock before this.

I purchased the stock as an employee of the company
(I no longer work there) well before the company went
public.  Apparently, the process has been complicated
by the fact that the shares I owned were restricted
and have to be converted before I can receive any
money.  I am trying to get information from the parties
involved, but mostly they're pointing fingers at each
other while "promising" to get things straightened out.

Thanks for any info you can give (email or post is fine).

	Jim
-- 
James B. Reed                | If at first you don't succeed,
DAZIX, An Intergraph Company | Find out why,
jimreed@b23b.b23b.ingr.com   | **THEN** try again.
From: sasha@ra.cs.umb.edu (Alexander Chislenko)
Newsgroups: misc.invest
Subject: Re: Russia vouchers
Date: 7 Sep 92 22:11:21 GMT
Organization: University of Massachusetts at Boston, Dept of Math and CS


Dan O'Connell:  (regarding Russian vouchers)

>PS: Perhaps I should add that I am familiar with
>    the concept of *risk* so the advice *Go to bed
>    until the feeling passes* doesn't hold.

>A gold mine is a hole in the ground with a liar at
>the entrance.


   There's no risk there - you just lose everything, that's all.
This hole in the ground is a snake pit.

  Some details:

    most profitable firms (and practically all more or less profitable ones)
have already been sold by Communists and mafia to themselves; vitally important
industries are not offered at all (energy, transport, military, etc., etc.)
People will be allowed to invest their vouchers into some of the unimportant
and unprofitable firms. Most of these are likely to be closed very soon
forever.
   If by any chance there's anything worth buying left, you should have a lot
of insider information, and very, not -VERY! strong connections in former
Party circles, industry AND MAFIA. Otherwise, no matter how excellently you
know the conditions, economics and self-defence, you will be cheated, robbed
or killed.
   If you think you have the guts to go for something like this, try selling
drugs here first - at least it's more familiar environment, much safer, more
chances to profit, and you deal with a lot nicer guys.

   This isn't a joke - just an advice.

   Still, if you want to go for it, I can get you some explanatory materials
and connections for the deals.

   Anyone else interested?


   Alex Chislenko.   (sasha@cs.umb.edu)
Newsgroups: misc.invest
Subject: LIVING TRUST
From: henry.tan@cccbbs.UUCP (Henry Tan) 
Date: 12 Sep 92 16:39:00 GMT
Reply-To: henry.tan@cccbbs.UUCP (Henry Tan) 
Distribution: world
Organization: Cincinnati Computer Connection BBS - Cincinnati, OH - 513-752-8248

I am wondering if there is someone who had drawn up a Living Trust. I
had attended a seminar from "The Estate Plan" from the Comnpany run by
Henry Abst III. Last week I went to one of Henry Abst places and also to
a lawyer who specialized in estate planning. Any experiences if the
Estate Plan by H. Abst is really good ? Are there any other companies
that draw good Living Trust documents ?
Any response is really appreciated in this confenference or by E-Mail.

Henry.

From: cccbbs!henry.tan@uceng.uc.edu {HENRY TAN}
From: rdetweil@boi.hp.com (Richard Detweiler)
Newsgroups: misc.invest
Subject: Re: Fidelity Fund Options
Date: 9 Sep 92 18:27:17 GMT
Distribution: usa
Organization: Hewlett Packard - Boise Printer Division (LAFS)

In article <Dmerrill-090992130325@47.140.3.216> Dmerrill@bnr.ca (Dana Merrill) writes:
>[More text Deleted]
>
>
>James, I don't have any suggestions for you but you bring up a question
>that I have often wondered about.  It appears that you are allowed to
>invest your 401 in Fidelity. 
>
>My first question is whether or not you have to pay Fidelity's loads under
>a plan such as this.
>
>  [More text deleted]
>
>Dana Merrill
>Bell Northern Research
>Research Triangle Park, NC
>DMerrill@BNR.CA


Here at HP we use Fidelity also.  Seeing your post made me curious so I just
called them on the phone and asked about loads and fees.  They said all funds
available through the retirement and 401K plans were no-load funds and all 
sales charges were waived.  The management fee varies from quarter to quarter
but the guy I talked with said it averaged $4.50/quarter.  Doesn't sound too
bad to me.
Newsgroups: misc.invest
From: jhc@m2lll.uucp (James H. Coombs)
Subject: Re: German Fund
Reply-To: jhc@iris.brown.edu.UUCP (James H. Coombs)
Organization: IRIS - Brown University
Date: Mon, 7 Sep 1992 06:39:00 GMT

In article <aboba-060992140217@192.187.134.3> aboba@world.std.com (Bernard Aboba) writes:

>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.

What studies.  Do these studies take into account interest rate
arbitrage?  Which arbitrage involves currency exchange?  And which
exchange affects exchange rates?

>2. Therefore, it is possible to hedge the currencies via forwards, and
>therefore elminate currency risk.

Your "therefore" is misleading.  Hedging is possible without there
being studies about the performance of bonds.

>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.

How is that?  When you hedge "via forwards," you purchase a forward
contract.  What is the risk due to interest rate changes?  Do you mean
that you want for the 10% and found that it dropped to 8%?

>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.

Now you are comparing with U.S. treasuries, but you started by
comparing with bond funds.  Of course, if you buy international bond
funds, you usually get international diversification.  But you want
hedged bond funds?  Well, why hedge?  Why not take advantage of your
superior knowledge of the trends?

>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. 

I don't know.  Why not read *How the Foreign Exchange Market Works*,
published by the New York Institute of Finance.

--Jim
Newsgroups: misc.invest
From: st1lv@rosie.uh.edu (McLeod, Stephen)
Subject: Re: Japan no more
News-Software: VAX/VMS VNEWS 1.41    
Organization: University of Houston
Date: Tue, 15 Sep 1992 15:31:00 GMT

In article <1992Sep13.184519.7069@porthos.cc.bellcore.com>, tony2@prefect.uucp (21131-gozdz) writes...
>In article <12SEP199209290483@rosie.uh.edu> st1lv@rosie.uh.edu (McLeod, Stephen) writes:
>>Well it was a nice ride but Yesterdays 4.5% drop is basically the signal I use
>>to get out so I'll be waiting for the Nikkei to drop a bit before I get back
>>in.  For now it's off to Scudder's Short Term Global Bond fund (9.28%) with the
>>last of my hard earned dollars. 
>>However, the MFF is recommending Twentieth Century Ultra again (27% expected 
>>return in 12 mos) so... I may finally switch companies.
> 
>Well, if you look back at what the MFF has been 
>forecasting since last fall for the 20th Century Ultra, i.e.
>Nov +27%
>Jan +22
>Feb +21
>Mar +21
>Apr +22
>May +16
>Jun +22
>Jul +27
>Aug +28,
>and if you consider that the fund is now -10.6%
>vs. its Nov. 1, 1991 NAV, how much confidence can you
>have in their supposedly superior econometric model?
>And this is _not_ an isolated example!
> 
>What's more, their predictions summarized every month
>in "Market Logic" (but not in the MFF!) are rather poor
>as well. I'm not going to renew my subscription...
> 
>>---
>>Cheers
>>Stephen McLeod        Well my stomach has finally settled after 5 days.  Only
>>The Eternal? Student  9 days before I go back in again.
> 
>Tony
Yes but they have also been saying that the market is so risky that you 
shouldn't be more than 50% invested in equities.  20U is now up to 31% projected
return.  I have great personal confidence in MFF's recommendations since I've 
made several large percentage gains (my total funds are still under 10k) based
on their recommendations.  As far as the predictions, let's just say that the 
projected return is now large enough that I feel the risk of staying out is 
higher than the risk of going in.  I'm in for a thousand and confident enough
to tell it to the world in general.  I'll admit I'm wrong in 12 months, if 
need be.
---
Stephen McLeod        Chemo #3 starts Sunday.  Good tickets still available!
The Eternal? Student
Organization: Penn State University
Date: Tue, 8 Sep 1992 11:34:10 EDT
From: <WJT101@psuvm.psu.edu>
Newsgroups: misc.invest
Subject: Did Little Caesars buy Domino's?

Hello.
I am trying to clarify a news story I heard a couple of weeks ago and this
 is the only netnews group I thought might be able to answer my question.
 I understand Tom Monaghan has both his baseball team (Detroit Tigers) and his
 company (Domino's Pizza) up for sale.  I caught the tail-end of a story on I
 believe ESPN that said Monaghan had agreed to sell to Little Caesars.  Sell
 what?  His baseball team or the pizza biz?  I would assume it would be his
 pizza company but why would something like that have made ESPN??  Can anyone
 help me get to the bottom of this??  Thanks!!
From: ravi@xanadu.com (Ravi Pandya)
Newsgroups: misc.invest
Subject: Schwab One account
Keywords: bank cma
Date: 7 Sep 92 19:42:46 GMT
Distribution: usa
Organization: Xanadu Operating Company

I recently opened up an account at Charles Schwab in order to exercise
(and hold/invest) some ISOs. Looking over the services they provide
with their Schwab One account - no fee checking, VISA debit card with
ATM access, automatic sweep into my choice of money market funds,
automatic margin loans on overdrafts - made me wonder whether there
was any reason for me to keep my bank accounts and bank credit cards.
I never borrow money on my credit cards, and even if I did Schwab's 7%
margin loan rate is a lot better than 16% on my bank cards. I lose the
30-day float on purchases, but I don't spend enough and I keep a large
enough cash balance that that's not a worry.

Has anyone tried this? Are their services in fact comprehensive and
effective enough to substitute for a bank? Are there any subtler
things I would be giving up - like my three-year association with the
bank as a positive mark on my credit record?

Thanks!
	--ravi

	Ravi Pandya
	Xanadu Operating Company
	1891 Landings Drive
	Mountain View CA 94043
	415 903 1316
	415 903 1399 fax
	ravi@xanadu.com
Newsgroups: misc.invest
From: redding@phoenix.Princeton.EDU (Lee Redding)
Subject: Re: Did Little Caesars buy Domino's?
Originator: news@nimaster
Organization: Princeton University
Date: Tue, 8 Sep 1992 16:28:35 GMT

In article <92252.113410WJT101@psuvm.psu.edu> <WJT101@psuvm.psu.edu> writes:
>I am trying to clarify a news story I heard a couple of weeks ago and this
> is the only netnews group I thought might be able to answer my question.
> I understand Tom Monaghan has both his baseball team (Detroit Tigers) and his
> company (Domino's Pizza) up for sale.  I caught the tail-end of a story on I
> believe ESPN that said Monaghan had agreed to sell to Little Caesars.  Sell
> what?  His baseball team or the pizza biz?  I would assume it would be his
> pizza company but why would something like that have made ESPN??  Can anyone
> help me get to the bottom of this??  Thanks!!

  Tom Monaghan, owner of Domino's pizza and former owner of the Detroit
Tigers, sold the Detroit Tigers to Mike Ilitch (sp?), owner of Little
Caesars and the Detroit Red Wings.  I haven't heard about any buyers for
Domino's.  

Newsgroups: misc.invest.real-estate,misc.consumers.house
From: tony2@prefect.uucp (21131-gozdz)
Subject: Re: FHA loans, termites
Organization: Bellcore, Livingston, NJ
Distribution: usa
Date: Wed, 9 Sep 92 23:10:16 GMT

In article <BuB86w.23J@apollo.hp.com> daniels_d@apollo.HP.COM (Dave Daniels) writes:
>
> Has anyone here, heard of a new policy when financing
>via FHA. They now reguire that you pay $600 to get the
>property you want to purchase, treated for termites. I 
>have no problem with that, except for we are having a house
>built, what good would that do.  My question is when you
>have you house treated how long does it last ?
>Has anyone else run into this situation? Is there any way
>around it ?
>Thanks for any feedback.
>-Dave

When we were buying a house 6 years ago from a builder,
the soil was treated for termites and our warranty says
it's good for 10 years.

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
Xref: sparky misc.invest.real-estate:673 misc.consumers.house:12163
From: Don.Allingham@FtCollins.NCR.COM (Don Allingham)
Newsgroups: misc.invest.real-estate,misc.consumers.house
Subject: Re: FHA loans
Date: 10 Sep 92 13:00:49 GMT
Reply-To: Don.Allingham@FtCollinsCO.NCR.COM
Organization: /home/bbking/dona/.organization
In-reply-to: daniels_d@apollo.HP.COM's message of 9 Sep 92 12:04:07 GMT

In article <BuB86w.23J@apollo.hp.com> daniels_d@apollo.HP.COM (Dave Daniels) writes:

>    Has anyone here, heard of a new policy when financing
>   via FHA. They now reguire that you pay $600 to get the
>   property you want to purchase, treated for termites. I 
>   have no problem with that, except for we are having a house
>   built, what good would that do.  

>   Has anyone else run into this situation? Is there any way
>   around it ?

I have not heard of this policy.  Out here in northern Colorado, no one is 
required to even to have their houses inspected (apparently termites don't
or can't live around here).  It would be interesting to see this regulation
applies out here.


--
Don Allingham           
NCR Microelectronics 			Don.Allingham@FtCollins.NCR.com
Ft. Collins, CO.        		uunet!ncrlnk!ncr-mpd!Don.Allingham

Newsgroups: misc.invest.real-estate,misc.consumers.house
From: daniels_d@apollo.HP.COM (Dave Daniels)
Subject: FHA loans
Date: Wed, 9 Sep 1992 12:04:07 GMT
Organization: Hewlett-Packard Company, Chelmsford, MA


 Has anyone here, heard of a new policy when financing
via FHA. They now reguire that you pay $600 to get the
property you want to purchase, treated for termites. I 
have no problem with that, except for we are having a house
built, what good would that do.  My question is when you
have you house treated how long does it last ?
Has anyone else run into this situation? Is there any way
around it ?
Thanks for any feedback.
-Dave

-- 
---------------------------------------------------------------------------
Dave Daniels                           | 
daniels_d@apollo.hp.com                | "Life is a highway, and I wan't  
Hewlett Packard, Inc.                  |  to ride it all night long...."
(603) 772-1500



-- 
---------------------------------------------------------------------------
Dave Daniels                           | 
daniels_d@apollo.hp.com                | "Life is a highway, and I wan't  
Hewlett Packard, Inc.                  |  to ride it all night long...."
(603) 772-1500
From: mikeq@aspen.CNA.TEK.COM (Mike Quigley)
Newsgroups: misc.invest.real-estate
Subject: Re: Real Estate News Summary, Part 120
Date: 10 Sep 92 21:50:22 GMT
Distribution: usa
Organization: Tektronix, Inc., Redmond,  OR.

In article <1992Sep10.193129.637@adobe.com? hamachi@adobe.com (Gordon Hamachi) writes:


?Real Estate News Summary, Part 120, August 1992
?
?938. The improving outlook for housing is consistent with a moderately upbeat
?
?940. The housing rebound is showing new signs of life, thanks to lower mortgage

?943. Housing starts fell for the second month in a row, as wet weather and an
?
?944. Housing starts fell 2.8% in July following a 3.8% drop in June.  Every

HUH??
Newsgroups: misc.invest.real-estate
From: lstarrit@dante.nmsu.edu (Larry Way Starritt)
Subject: QUESTIONS THAT SHOULD BE ASKED
Organization: New Mexico State University, Las Cruces, NM
Date: Tue, 15 Sep 1992 18:16:07 GMT

E-mail lstarrit@nmsu.edu

Thanks 
Larry
Newsgroups: misc.invest.real-estate
From: steveg@mks.com (Steve Gingerich)
Subject: Mortgage Rate History
Organization: Mortice Kern Systems Inc., Waterloo, Ontario, CANADA
Date: Fri, 11 Sep 1992 20:22:42 GMT

Does anyone have the history of Mortgage rates for the last 50 years.
If not ,20-30 years would do.
-- 
Newsgroups: misc.invest.real-estate
From: fred@wang.com (fred rozakis tower iii 9677002)
Subject: Home for Sale by Owner
Organization: Wang Labs, Lowell MA, USA
Date: Thu, 10 Sep 92 20:42:41 GMT


Beautiful 4 bedroom, 2 1/2 bath, hip-roof colonial in Dracut's finest  
neighborhood.  Home is five years old and in like-new condition.

Features include:
	large master bedroom 
    3 other good sized bedrooms
	formal dining room with hardwood floor and french doors
	cozy den with fireplace
	large, bright, airy kitchen with eating area
	upgraded carpeting
    ceramic tile entryway
	separate washer-drier room off kitchen
	lots of closet space and cupboards
	2-car garage w/automatic openers
	fenced in back yard
	wooded, one acre lot, bordering on a pond and a brook
	lovely landscaping
	rear deck with breaktaking view of woods
	at end of cul-de-sac ===> lots of privacy and very quiet

Offered by owner for $213,000 or best offer. 

Please reply by E-mail: fred@wang.com
or call us at 508-454-1045.


Newsgroups: misc.invest.real-estate
From: moghal@aludra.usc.edu (Nadeem Moghal)
Newsgroups: misc.invest.real-estate
Subject: What's the future in undeveloped land?
Date: 14 Sep 1992 05:19:05 -0700
Organization: University of Southern California, Los Angeles, CA
NNTP-Posting-Host: aludra.usc.edu
Keywords: buying undeveloped land

Dear Friends:

I just want to know what you think of such an investment? To give a
better idea, I am referring to some specific areas in California,
in and around Kern and Bakersfields counties. 

Counties like Los Angeles and Ventura are mostly developed, and the
values over there would be fairly escalated. Furthermore, I am sure
the reulations in those areas would also be fairly strict, in terms
of developing the land within a certain time frame. Am I right about
that?

So, can anybody give me some insight? Any special considerations
or look-outs for a first-time venturer?

Thanks a lot. Feel free to e-mail; I'll post the summary on the
net.

Nadeem Moghal

University of Southern California,
Los Angeles

moghal@aludra.usc.edu

Newsgroups: misc.invest.real-estate
From: natale@cs.washington.edu (Mia Natale)
Subject: SEATTLE AREA HOUSE FOR SALE
Organization: Computer Science & Engineering, U. of Washington, Seattle
Distribution: pnw
Date: Wed, 9 Sep 92 17:03:45 GMT

		   
		     SEATTLE AREA HOUSE FOR SALE 
		      (Wallingford Neighborhood)
			      $150,000

		      
		       Zoned commercial NC 240 
       ............A great home/office situation..............
	
	BEDROOMS:  2+ (an additional "bedroom"/den in basement)
	
	BATH:	   1 (with original clawfoot tub)
      
 	KITCHEN:   Good work areas. Tile counters. Stove & Frig   
	
	GARAGE:    One car detached
	
	ETC.:      Work Space with lots of storage. Washer & Gas
	           Dryer, Gas Hot Water Heater and Gas Furnace
                   Fireplace. Hardwood floors. Private backyard.
 
Although it is commercially zoned (NC240) the block is primarily made
up of residential homes. Located just off the corner of 45th & Stone
Ave. N., it is within walking distance to grocery, restaurants, post
office, etc. and easy bus access to the University of Washington
and downtown. Call (206) 632-5898 (after 1:30) for more information. 









Newsgroups: misc.invest.real-estate
From: cook@tellabs.com (Chris Cook)
Subject: House for Sale in Baltimore, MD
Organization: Tellabs, Inc., Lisle, IL
Distribution: misc.invest.real-estate
Date: Thu, 10 Sep 1992 13:54:03 GMT



House for Sale in Baltimore, Maryland

RELOCATED !!!!!!           MUST SELL, SOON !!!!!!!


Located in Glen Burnie Park (Southern Suburb).  Walk to
Elementary School.  Nice Community !!

Cape Cod         All Appliances Convey     Dry Bar in Lg Family Room
4 Bedroom        Newer Windows             Fenced Yard
1.5 Bath         Newer CAC                 Home Owners Warranty
Hardwood Floors  Newer Gas Furnace (FA)    Excellent Schools
Full Basement    Flagstone Patio

Price:  $113,900 (Reduced !!!!)


Contact:   Chris Cook		cook@tellabs.com
				(708) 305-3178   Chicago Area

       Remax Realtor
           Sandy Mewshaw        (410) 544-8800   Baltimore Area
                                (800) 548-2976   (Toll-Free)

Newsgroups: misc.invest.real-estate
From: youngs@osiris.cso.uiuc.edu (D.Youngs)
Subject: buying our first home
Summary: need some advice on buying first home
Organization: University of Illinois at Urbana
Date: Sun, 13 Sep 1992 19:39:44 GMT
Keywords: buying home

My wife and I are beginning to think about buying our first home. 

We expect to stay in the area we recently moved for 2-3 years. We have been
paying $700 a month for a house in a decent neighborhood.  Our question
is whether it is worth buying a house for such a short time span ?
More than likely, we'll leave the area after the 2-3 years, so managing
a property remotely would be an issue.

Anyone have a recommendation ?  Any feedback is much appreciated.


thanks
D. Youngs