HDTenEightyP/NetNews huggingface dataset:
From: mzwick@vitro.com (Morris J. Zwick)
Subject: Re: street name vs delivery
Organization: Vitro Corporation
Date: Tue, 29 Dec 1992 13:25:53 GMT

Another pro for holding certificates is enrollment in DRIPs. I don't believe
I've seen a company that will let you enroll when your shares are in street
name.

         ___________________________________________________________________
        /  Morris J. Zwick	                 Internet: mzwick@vitro.com
__     /   Vitro Corporation	             Voice:    (301) 231-2784
  \   /    14000 Georgia Ave.                ___________________________
   \ /     Silver Spring, MD 20906-2972      |"I don't want the world; |
    *                                        | I just want your half!" |
                                             |  - They Might Be Giants |
From: burt@iscsvax.uni.edu
Newsgroups: misc.invest
Subject: <None>
Date: 21 Dec 92 09:15:49 GMT
Article-I.D.: iscsvax.1992Dec21.151549.9538
Organization: University of Northern Iowa

What do you think of the following penny stocks for 1993:
Koger Prop
New Valley
Memorx-Telex
Belcor
Wang Lab B.
Also, will you list your suggested selections.
Q
From: timpson@acetek.enet.dec.com
Newsgroups: misc.invest
Subject: Re: Mutual Funds???
Date: 29 Dec 92 17:22:37 GMT
Reply-To: timpson@acetek.enet.dec.com ()
Organization: Digital Equipment Corporation



In article <1992Dec29.100141.578@hnrc.tufts.edu>, loszewski_im@hnrc.tufts.edu writes:
|>Path: nntpd2.cxo.dec.com!nntpd.lkg.dec.com!news.crl.dec.com!deccrl!enterpoop.mit.edu!micro-heart-of-gold.mit.edu!bu.edu!news.tufts.edu!news.hnrc.tufts.edu!loszewski_im

|>I am interested in investing money in some mutual funds.  I am 23 and no 
|>nothing about mutual funds or the stock market.  I was planning on doing 
|>"business" with Primerica. 
|>My questions are:  how safe are mutual funds and how reputable is Primerica?
|>
|>Any information would be much appreciated.  I don't usually frequent misc.invest
|>so could you please send any replies via email.  Thankyou.
|>
|>-Rob
|>
|>Loszewski_im@hnrc.tufts.edu

I did a lot of research before investing.  Priamerica if I remember correctly 
is an 8% load fund.  STAY AWAY!  The 8% load is not worth it.  Go with a no
load fund like Janus, Twentieth Century or some other no-load funds.  My research and the research of others shows that load funds do not do any better than no-loads.

There is a book that you should pick up and read before making any decisions:

"How to Pick the Best No-load Mutual Funds for Solid Growth and Safety"

by SHELSON JACOBS

This is an excellent book and will answer all of your questions.  

Don't be hasty.  Research before you invest!

Steve who settled on Twentieth Century's Ultra Fund

--
        -----------------------------------------------------------------
        |                                                               |
        |  My atheism, like that of Spinoza, is true piety towards the  |
        |  universe and denies only gods fashioned by men in their own  |
        |  image to be servants of their human interests.               |
        |                                                               |
        |                                  -- George Santayana          |
        |                                                               |
        -----------------------------------------------------------------
From: devine@olympus.CS.Berkeley.EDU (Bob Devine)
Newsgroups: misc.invest
Subject: Re: Why would AT&T sell UNIX (USL)?
Date: 24 Dec 1992 21:41:43 GMT
Organization: University of California, Berkeley
Distribution: usa
NNTP-Posting-Host: olympus.cs.berkeley.edu
X-Newsreader: Tin 1.1 PL3

girisha@netcom.com (Girish Andalkar) writes:
: Everybody is trying to figure out why Novell bought USL.
: Nobody is figuring out why AT&T sold it. 

AT&T had 3 troubles with Unix:
  1. AT&T never made money with it
  2. AT&T tried to make it proprietary for higher prices
  3. in the end, AT&T only had emotional reasons to keep it.

The big question I have is why Novell thinks that $350 million
was a fair price to pay for something that had only about $50
million in sales.  Granted that Novell used new stock offerings
(ie, fake money) to get it and will soon do a $250 million
write-off, but, there are only so many accounting tricks that
can be used to hide the too-high price.

Novell is unlikely to recoup any expenses via new revenue from
incorporating Unix for at least a 1/2 year.  UNIX licensing is
not much and will decline as BSDI and W/NT grow.

The only long-term benefit Novell will likely gain is a replacement
for Ray Noorda when he retires in a few years.

Bob "PCs are the only computers that now matter" Devine
From: meyers@lorenz.ocean.fsu.edu (Steve Meyers)
Newsgroups: misc.invest
Subject: AMD - what's your opinion?
Date: 21 Dec 92 18:46:19 GMT
Organization: Florida State University


I'm thinking of buying some AMD. What do people think about the company 
projected out 1+ year from now? I know they recently lost a lawsuit 
from Intel, but I hear they'll be able to recover by summer.

Thanks in advance.

Steve
Newsgroups: misc.invest,misc.taxes
From: atul@nynexst.com (Atul Chhabra)
Subject: Whole life insurance policies
Followup-To: misc.invest
Reply-To: atul@nynexst.com
Organization: NYNEX Science & Technology, Inc
Distribution: usa
Date: Mon, 21 Dec 92 21:40:33 GMT

I am considering buying a whole life policy. I have the following questions for
whole life experts. 

1. Is whole life insurance a good idea for life insurance, tax-deferred/tax-free
   investment, saving for children's education, and for estate planning?

2. I have often seen newspaper and magazine articles comparing the cost of term
   life insurance from several insurance companies. For term life, you just need
   to compare cost of insurance per $1000 of insurance. However, the situation
   is more complicated in the case of whole life insurance. How does one draw a 
   comprehensive comparison between several whole life insurance offerings?

3. Among the top few insurance companies such as State Farm, MetLife, NY life,
   NW Mutual, etc., what have been the typical dividend scales on whole life
   policies over the past few years? Where do these rates stand currently? 

Thanks in advance for your help. 

--Atul
===============================================================================
Atul K. Chhabra                        Phone: (914)644-2786
Member of Technical Staff                Fax: (914)644-2404
NYNEX Science & Technology          Internet: atul@nynexst.com
500 Westchester Avenue
White Plains, NY 10604
===============================================================================

Newsgroups: misc.invest
From: tony2@prefect.cc.bellcore.com (gozdz,antoni s)
Subject: Abelson of Barron's no longer editor?
Organization: Bellcore, Livingston, NJ
Distribution: usa
Date: Tue, 29 Dec 92 21:41:42 GMT

I've heard that my preferred Barron's 
editor/writer Abelson was recently relieved 
from his editorial post. However, there is nothing on
the subject in the latest issue. Does anybody have more
info on why? who will succeed him? will he continue
writing his column? in general, what happened?

Tony
From: paulf@eos.ncsu.edu (PAUL DAMON FRANZON)
Newsgroups: misc.invest
Subject: Re: Raymond James Experiences?
Date: 31 Dec 92 17:18:34 GMT
Distribution: usa
Organization: North Carolina State University, Project Eos

In article <1992Dec30.162424.23969@lmpsbbs.comm.mot.com> slansky_doug@macmail1.rtsg.mot.com writes:
>Does anyone have any comments (positive or negative) regarding the
>brokerage/investment firm called Raymond James?  A family member is considering
>placing a sizeable amount of money with this firm, and has been unable to
>locate satisfied/dissatisfied customers for inputs.
>
>Any thoughts are appreciated.
>
>Doug

One member of our investment club is a Raymond James customer and has
been very pleased with them.  The club also has followed some of their
recommendations, generally with pretty good results.  They have
a pretty good newsletter and apparently are good to talk to on the phone.
Knowledgable and not pushy.

According to a WSJ (I think it was WSJ) report 
apparently RJ's recommendations historically gives
the highest return of any brokerage in the Nation.

The only potential negative is that they specialize in companies based mainly in
the SouthEast.  Your relative might want a little more diversification by
not ivesting 100% with RJ.
For example, they follow very few technology stocks.

BTW, if there is anyone out there in the Raleigh NC area who might be interested
in joining the AAG investment club then feel free to contact me.  We are
always looking for a little more diversity in our members.  Currently we
are all University Professors, mainly from EE.

Paul Franzon
Newsgroups: misc.invest
From: philco@microsoft.com (Phillip Cooper)
Subject: Re: Novell to buy USL
Date: 29 Dec 92 16:15:19 GMT
Organization: Microsoft Corporation

In article <1hcbt7INNbbm@cronkite.Central.Sun.COM> dbernard@clesun.Central.Sun.COM writes:
>In article 4n@taligent.com, cep@taligent.com (Christophe Pettus) writes:
>>In article <1haorvINNfek@usenet.INS.CWRU.Edu> an030@cleveland.Freenet.Edu (Broward Horne) writes:
>>>        USL educational discount - $50 per machine
>>
>>.... which only educational institutions qualify for.  Which still doesn't
>>make it a reasonably priced alternative to NT.
>
>
>	What does NT sell for these days?
>
>	Dave
>

$69.00 gets you the October beta of NT and the complete software development
kit (with a 32-bit C compiler).  You also get a free copy of the final NT code.

Phil

Newsgroups: misc.invest
From: drhall1@pbhya.PacBell.COM (Doug R. Hall)
Subject: Re: Everex Systems, what's happened?
Reply-To: drhall1@PacBell.COM (Doug R. Hall)
Organization: Pacific * Bell, San Ramon, CA
Date: Thu, 24 Dec 1992 19:02:03 GMT

In article <1992Dec23.225304.4467@TorreyPinesCA.ncr.com> cs6@TorreyPinesCA.ncr.com (Eric Sit 3611) writes:
>>ranck@joesbar.cc.vt.edu (Wm. L. Ranck) writes:
>>
>> 
>> Hello Folks,
>>    I have noticed that Everex Systems stock has gone through the floor 
>> lately.  Anybody know why?  A few years ago I thought this was a good 
>> company to buy at ~$3 and it is showing a 52 week high of over $7, but
>> the current price is in the $0.30 range.  Just curious what they've 
>> done lately to have this sort of drop in price?
>
>Everex stock price reached $7 after they reversed their loss and became 
>profitable for three consecutive quarters.  The stock's steep decline began 
>after the PC price war intensified.  The stock dropped to $1 when Everex 
>reported cash flow problem and futher layoffs.  Several weeks ago, Everex 
>reported a loss of about $120M out of $500M revenue, and its stock dived.  
>
>
>Eric

I forgot to mention in another post about the layoffs. In the last 3-4 weeks 
the S.F. Chronicle (Sunday edition) say that it appeared Everex was laying off
people still and that they were close to the limit of 500. There is apparently
a limit of 500 people before a company must make a public announcement. The 
implied that there was a loop hole in the law that Everex was using by spreadi
Chronicle implied that Everex was going thur a loop hole by spreading out 
the layoffs to be longer than the time limit of 90 days (?). These layoffs 
were not announced to the news media.
From: yan@sybase.com (Xudong Yan)
Newsgroups: misc.invest
Subject: How do you find out when a company releases next earnings report?
Date: 22 Dec 92 01:57:26 GMT
Reply-To: yan@sybase.com (Xudong Yan)
Distribution: usa
Organization: Sybase, Inc.

I called my broker but they have no idea.

Or is it possible? (say to within a week?)

Email to yan@sybase.com please, we don't always get the news on time.

Thanks for any help
Newsgroups: misc.invest
From: meyers@lorenz.ocean.fsu.edu (Steve Meyers)
Subject: Re: AMD - what's your opinion?
Organization: Florida State University
Date: Thu, 31 Dec 92 15:53:15 GMT

In article <1992Dec30.233000.17670@adobe.com> pngai@adobe.com (Phil Ngai)  
writes:
>[cut]
> If you subtracted Am386 revenues, AMD would be hurting very badly.
> In fact, if you look at AMD's performance between 1984 and 1991,
> you can see how the company does without a copy of an Intel product
> in their porfolio. Try stock prices < $4.

  How does their recent loss in the courts affect their ability to 
market their Am386? I have the impression their sales (and profits) 
will come to a rapid halt.

 Will they be able to develop their own microcode before the 386 market  
disappears?


Thanks.

Steve
Newsgroups: misc.invest,misc.consumers.house
From: shoaf@helix.nih.gov (Susan E. Shoaf)
Subject: Re: Mortgage or retirement
Organization: (National Institutes of Health, Bethesda, MD)
Distribution: usa
Date: Thu, 31 Dec 1992 15:21:27 GMT

In article <30DEC199223315551@csa1.lbl.gov> schindler@csa1.lbl.gov (AARON SCHINDLER) writes:
>In article <BGLENDEN.92Dec30180102@colobus.cv.nrao.edu>, bglenden@colobus.cv.nrao.edu (Brian Glendenning) writes...
>> 
>>	1) Go for a 15 year mortgage; or
>>	2) Go for a 30 year mortgage and put the difference into
>>	403(b) savings.
>> 
>The question comes down to:  Should you put money into your 403(b) or pay
>down your mortgage faster?  When deciding such questions it is useful to
>do a "what if".  What if you are in the top income tax bracket...  say 35%

To be the pessimist: What if you want (or need) the money before you can retire?

>
>PAYING OFF THE MORTGAGE ROUTE
>
>You earn $1.  After taxes you have $0.65.  You send $.65 to your mortgage 
>banker.  Next year you have to pay .09*.65 = $0.059 less interest.  But 
>since that interest was tax deductible, you are really only saving 
>(1-.35)*.059 = $0.038. So the net result is that next year you will have
>made a return of .038/.65 = 5.85% return on your money.  (To be sure you
>won't have made any money, but as Ben Franklin liked to say, "A penny saved
>is a penny earned.")  15 years from now, your $.65 compounding at 5.85% will
>be worth $1.66.  

You can take out a home equity loan and the interest is tax deductible.

>
>403b ROUTE
>
>You earn $1.  It goes into your 403b pretax.  After 15 years your $1 compounding
>at 8% will be worth $3.30.  Then (say you are over 59.5 years old) you withdraw
>it from your 403b and pay tax.  Tax =.35*3.3 = $1.16.  Net return
>is $3.30 - 1.16 = $2.14.
>
>As we can see, even if my numbers are off or this isn't your exact situation,
>you are far more likely to come out ahead by investing in a 403b.  "Borrow
>the money for your IRA -- even if you have it."  --Strategy #119 "Wealth Without
>Risk" by Charles Givens.  You get the added bonus that the interest on the 
>money you are borrowing is tax deductible.

You lose some percent to penalty and then you must pay taxes on it as well.

>
>p.s.  I'd be delighted if you found a flaw in my argument.  
>


No flaws, just what if YOU NEED IT NOW!

--
shoaf@clinpharm.niaaa.nih.gov    

National Institute on Alcohol   |  you were expecting a quote?
   Abuse and Alcoholism         |
Newsgroups: misc.invest
From: yab@cs.brown.edu (Yashesh Bhatia)
Subject: FAQ for misc.invest
Keywords: Definitions, 
Organization: Brown Computer Science Dept.
Date: Thu, 31 Dec 1992 18:54:18 GMT


Hi, Is there a FAQ for this newgroup which defines the basic terms and
definitions used in the investment area. 

If so, could someone email  it to me.

Thanks

-- 
- Yashesh Bhatia yab@cs.brown.edu

Newsgroups: misc.invest
From: calinski@calspan.com (Peter Calinski)
Subject: Condemned by Barron's--Is it significant????
Organization: Calspan Advanced Technology Center
Distribution: usa
Date: Wed, 23 Dec 1992 15:12:01 GMT

I'm not a regular reader of Barron's but, in the past year, I know of two 
stocks, Marvel and Conseco, that were bashed by Barron's. Of course, in 
both cases, the stock fell a considerable amount.  However, also in both cases,
within a year, both subsequently hit new highs.

Does anyone know of other cases where Barron's screws up like this?

Do they always get it wrong?  Looks like a way to make money big time.

I heard on Monday that Barron's knocked another stock (I can't remember the 
name but I think it started with an M.  It dropped something like 8 to $24).


Comments please.

Pete

calinski@calspan.com
From: ranck@joesbar.cc.vt.edu (Wm. L. Ranck)
Newsgroups: misc.invest
Subject: Everex Systems, what's happened?
Date: 21 Dec 92 19:59:59 GMT
X-Newsreader: TIN [version 1.1 PL6]


Hello Folks,
   I have noticed that Everex Systems stock has gone through the floor 
lately.  Anybody know why?  A few years ago I thought this was a good 
company to buy at ~$3 and it is showing a 52 week high of over $7, but
the current price is in the $0.30 range.  Just curious what they've 
done lately to have this sort of drop in price?

--

*******************************************************************************
* Bill Ranck                                          ranck@joesbar.cc.vt.edu *
* Computing Center at Virginia Tech, not Vermont ----------------------^^     *
*******************************************************************************
From: dman@netcom.com (Dallman Ross)
Newsgroups: misc.invest
Subject: Re: Best Way to Take Long-Term Cap Gains?
Date: 29 Dec 92 06:34:44 GMT
Distribution: usa
Organization: Netcom - Online Communication Services  (408 241-9760 guest)

Thanks to the previous responder and to the individual who emailed me.  I'll
be executing my orders this week.

--
 __D_a l_l m a_n  _ R o_s s _ |dman@netcom.com  /or/  |"You sound like a man|
 l  \\ l\\   /l  /\\  l\\   l |dross@well.sf.ca.us    |with a rubber nose." |
 l   >)l \\ /ll /  \\ l \\  l |vox/fax: 1.510.645.1883| -- One-Lung Bill    |
 l  // l  \X ll/--- \\l  \\ l |350 Perkins St., #108  |     Remmer (deceased)
_l//______________________\\l_|Oakland,_CA__94610-3422|_____________________|_
Newsgroups: misc.invest
From: georgec@eng.umd.edu (George B. Clark)
Subject: Re: E-TRADE - anyone using this - comments???
Date: Tue, 29 Dec 92 15:00:52 GMT
Organization: University of Maryland


The topic of discount brokers arises frequently in misc.invest, and
unfortunately E-Trade is omitted from the FAQ.

I like E-Trade a lot. I inquired with several discount brokers prior
to opening an account with them. The promotional literature E-Trade mailed
to me was complete and sufficient for me to make a decision, which is more
than I can say for some of the other discount brokers I contacted. 

Their user interface for PC's and touch-tone phones is adequate. Their
commissions are low. That's all I care about.

Some brokers have a $25 minimum commission, which is $10 less than E-Trade's
$35 minimum.

I've talked to E-Trade brokers on the phone twice, and in both cases
they had a professional demeanor.

I recommend you call E-Trade. They will mail you sufficient promotional
literature for you to make a decision. Their 800 number is in Barron's
and other financial papers.
From: dman@netcom.com (Dallman Ross)
Newsgroups: misc.invest
Subject: Best Way to Take Long-Term Cap Gains?
Date: 28 Dec 92 23:24:03 GMT
Organization: Netcom - Online Communication Services  (408 241-9760 guest)


I am lucky enough to have owned Microsoft for over 6 years now.  I have
seen my investment go up about 6.5 times.  I don't want to sell.  But
I am finishing up graduate school and this might be a good year to sell,
since I have no real income and have about $12,000-worth of deductions
that I could use.  By the end of next year I will hopefully be gainfully
employed, and it seems to me that it would be foolish to sell the stock
and pay capital gains when I'll be in a higher tax bracket.

Are the long-term capital gains laws going to be changing?  How long
would I have to sit on my profits before buying more Microsoft if I
don't really want to be out of it but want the sale to be taxed in 1992?
Any advice would be appreciated.  Guess I've just got a couple of
days to decide what to do.

--
 __D_a l_l m a_n  _ R o_s s _ |dman@netcom.com  /or/  |"You sound like a man|
 l  \\ l\\   /l  /\\  l\\   l |dross@well.sf.ca.us    |with a rubber nose." |
 l   >)l \\ /ll /  \\ l \\  l |vox/fax: 1.510.645.1883| -- One-Lung Bill    |
 l  // l  \X ll/--- \\l  \\ l |350 Perkins St., #108  |     Remmer (deceased)
_l//______________________\\l_|Oakland,_CA__94610-3422|_____________________|_
Newsgroups: misc.invest
From: fwisgo@qualcomm.com (Felix Wisgo)
Subject: 401k Distribution
Reply-To: fwisgo@qualcomm.com
Organization: Qualcomm Mechanical Dept - CAD
Distribution: usa
Date: Mon, 21 Dec 1992 23:13:09 GMT

Hi all,
	I'm not sure whether this is the right place for this,
but I'm going to give it a try.  
	I've got this hypothetical situation.  There is a person I know
who in changing jobs recently has received what we'll call a significant
chunk of change from a 401k distribution.  My question is this...
What liabilities tax or otherwise does my friend incur by investing this
money in say stocks or something similar during the 60 day grace period
prior to rolling it into the 401k at his current place of employment.

	Thanks for any help.



				Felix

PS My apologies if this is a FAQ, unfortunately I don't follow this group
   nearly as closely as I should.
Newsgroups: misc.invest
From: watanabe@cs.uiuc.edu (Larry Watanabe)
Subject: Re: Condemned by Barron's--Is it significant????
Organization: University of Illinois, Dept. of Comp. Sci., Urbana, IL
Distribution: usa
Date: Wed, 23 Dec 1992 19:30:17 GMT

calinski@calspan.com (Peter Calinski) writes:

>I'm not a regular reader of Barron's but, in the past year, I know of two 
>stocks, Marvel and Conseco, that were bashed by Barron's. Of course, in 
>both cases, the stock fell a considerable amount.  However, also in both cases,
>within a year, both subsequently hit new highs.

>Does anyone know of other cases where Barron's screws up like this?

>Do they always get it wrong?  Looks like a way to make money big time.

>I heard on Monday that Barron's knocked another stock (I can't remember the 
>name but I think it started with an M.  It dropped something like 8 to $24).

>Comments please.

>Pete
>calinski@calspan.com

I heard that one of the writers of "Heard in the Street" was
prosecuted a few years back for insider trading. Apparently
he was accepting money for advance information.

Talking about suspicious patterns, SoftwareTools got a big
boost because of a plug by the manager of the Acorn Fund,
in this weeks Barrons. The boost occurred over 2 days -- 
the Friday (i.e BEFORE Barrons comes out) and Monday.

You can't sell short except on an uptick. I doubt that there
would be an uptick after the article from Barrons. So,
you couldn't really make money off of it. Actually
the stock might open immediately at a lower
price.

On the other hand, if you could get the information on 
the Friday before Barron's came out, then you definitely
could make money big-time (which is what I'm guessing 
happened with Software Tools).

-Larry Watanabe watanabe@cs.uiuc.edu
From: gpalo@digi.lonestar.org (Gerry Palo)
Newsgroups: misc.invest
Subject: Re: IBM vs DEC
Date: 23 Dec 92 03:58:35 GMT
Organization: DSC Communications Corp, Plano, TX

I hear that IBM is doing pretty well in the Unix workstation
business , about 50% a year growth.  They seem to be targeting
really powerful server network type systems.  What is the
consensus on these for possible recovery for IBM?