HDTenEightyP/NetNews huggingface dataset:
From: serg@cbe.chel.su (Maklyak Sergey Sergeevich)
Subject: Request of businessmans of the Ural (West Siberia)
Reply-To: serg@cbe.chel.su
Organization: Centre of Business Expertise
Date: Sat, 25 Jul 92 21:02:45 +0300

                        CONSULTATION FIRM
                 "CENTRE OF BUSINESS EXPERTISE"
_________________________________________________________________
454000 RUSSIA                    "CENTRE OF BUSINESS EXPERTISE"
G. CHELYABINSK                    BOX: 31, PLEKHANOV Str.
UL. PLEKHANOVA 31,                CHELYABINSK
"CENTR DELOVOY EKSPERTIZY"        RUSSIA
TEL: (3512)332-402,               TEL: (3512)332-402,
           334-252                           334-252
FAX: (3512)601-253                FAX: (3512)601-253

                  Dear Ledyes and Gentlemens!

Who would like make business and friends contacts with the firm
"Centre of business expertise" from Russia ?  And we want to ask
you a little request: would you so kind send to our E-mail address
list of E-mail addresses abroad trading or financial companyes.
We will be very grateful for your helping us.

                   General director Dmitry L.Mudryakov.


From: mvt@hpfcso.FC.HP.COM (Mick Tegethoff)
Date: Thu, 23 Jul 1992 17:00:13 GMT
Subject: Software package
Organization: Hewlett-Packard, Fort Collins, CO, USA
Newsgroups: misc.invest



    Can anyone suggest an investment management software package?


    Thanks in advance,


    Mick
Newsgroups: misc.invest
From: stgprao@xing.unocal.com (Richard Ottolini)
Subject: Re: What is the inflation rate for 1992?
Originator: stgprao@xing
Organization: Unocal Corporation
Date: Mon, 27 Jul 1992 19:33:18 GMT

In article <Jul.24.14.15.07.1992.27438@pilot.njin.net> hedges@pilot.njin.net (Douglas Hedges) writes:
>bill@dewey.edsci.wisc.edu (Bill Roth) writes:
>
>
>>What is the annualized inflation rate for 1992 going to be, given  
>>what we know so far this year? Anybody want to make a stab at it?
>
>I thought I heard something like 3.1% or so on CNBC yesterday.
>I think they were using figures from OMB / Dick Darman's
>mid-year report given yesterday.

Usually it is the minimum needed to trigger COLA indexing in social security
or Congress declares it so to garnish elderly favor :-)
Newsgroups: misc.invest
From: stein@wam.umd.edu (Steven Stein)
Subject: Taxable Bond Mutual Funds
Organization: University of Maryland, College Park
Distribution: usa
Date: Fri, 24 Jul 1992 03:38:19 GMT

    I am trying to find out more about no-load bond funds.
From what I understand that if the fund buys bonds that are short term
( < 3 years) the fund will be more stable.  I have also read that the funds
will do better when interest rate go down and worse when interest rates go up.
Since rates are low right now, is it a bad time to invest in a bond fund. 

Does anyone have any bond funds for me to look into.
 Post or mail please.

                                     Thanks,
                                      Steve
From: jb6k+@andrew.cmu.edu (Joel Bloch)
Newsgroups: misc.invest
Subject: shortselling
Date: 28 Jul 92 10:51:59 GMT
Article-I.D.: andrew.IeRNRDK00VIC0jokkh
Organization: Doctoral student, English, Carnegie Mellon, Pittsburgh, PA

With all this discussion on short selling, I was wondering if anyone has
used a brokerage firm in Palo Alto called Stockbridge (I think) who
specializes in short selling. They have been advertising in Forbes and
the Wall Street Journal and say they are affiliated with the Feshback
brothers
From: irving@Happy-Man.com (Irving_Wolfe)
Newsgroups: misc.invest
Subject: Re: MacFrugal: Business Week Recommendation
Date: 23 Jul 92 13:48:03 GMT
Reply-To: Irving_Wolfe@Happy-Man.com
Distribution: usa
Organization: Happy Man Corp., Vashon Island, WA 98070-7399
Bcc: irving

Its ticker symbol is MFI.  The company is not extremely strong
financially, but just okay.  At the moment, it is somewhat
undervalued but not enough to become one of Solid Value's Best
Buys, so I hope it falls a bit more.

We stopped subscribing to Business Week in 1974, when they ran a 
big, very scary issue on the coming death of capitalism right near 
the market's trough -- for those who don't remember, it fell a lot 
that year, and then recovered.  Discouraging people from buying 
shares when they are as under-priced as they've been any time in my 
life hardly constitutes giving one's readers valuable information.  

-- 
 Irving_Wolfe@Happy-Man.com      Happy Man Corp. 206/463-9399 x101
 4410 SW Pt. Robinson Rd., Vashon Island, WA  98070-7399  fax x108
 We publish SOLID VALUE for the intelligent investor.  NextMail OK
Info free; sample $20: Send POSTAL addr: Solid-Value@Happy-Man.com
From: newwave@desire.wright.edu
Newsgroups: misc.invest
Subject: Banyan Systems Inc. IPO
Date: 21 Jul 92 20:14:47 GMT
Organization: Wright State University


  Lots of you must be aware of Banyan Systems going public.  I have heard of
this company sometime back.  Do not know what it has been upto for the last 3
years.  Any information is welcome.

  I think they filed the IPO issue in the first week of July.  I cannot
remember the underwriter but I have logged it somewhere.  If any interest is
posted or emailed, I will search harder.  Personally, I think IPOs are risky
unless I know the firm very well.  

Cheers...
K. Desai
From: dfavor@logan.tivoli.com (David Favor)
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 21 Jul 92 13:00:33 GMT

In article <1992Jul20.185746.10533@col.hp.com>, friedman@col.hp.com (John Friedman) writes:
|> bb@generali.harvard.edu (Brent Byer) writes:
|> > frankb@willow41.cray.com (Frank Barriuso) writes:
|> >> georgec@eng.umd.edu (George B. Clark) writes:
|> >>> A friend of mine with a lot of money and no common sense recently
|> >>> paid $1000 for a Charles Givens home-study course in investing and
|> >>> personal money management.   ...  What do you think?
|> >>
|> >> If he has no common sense, then maybe he should keep the course.
|> >> The Givens program is geared for people with no common sense.
|> > 
|> > And, for those with a lot of gullibility.  I suggest that your friend
|> > spend an hour or two at the library, reading articles about Givens in
|> > past issues of various business, investment and consumer periodicals.
|> > Check the Index to Periodicals.
|> > 
|> > The ignorant will find it enlightening; the informed will find
|> > it humorous (as in TV infomercials).
|> 
|> I would suggest that your friend cancel for now.  Have him read Givens'
|> "Wealth Without Risk" book first.  This was the first money oriented book I
|> read, and I did find it very informative.
|> 
|> Your friend can then make a more informed decision.
|> 
|> John Friedman
|> friedman@col.hp.com

I am curious... why should this person cancel? the membership guarentees a
$1000 return the first year of your money is refunded. so if this individual
makes/saves the $1000 great. if not they get their money back. seems to me
there is very little exposure to loss in this situation. there is no guarentee
in reading the book.
From: judge@shasta.Eng.Sun.COM (Rupinder Judge)
Newsgroups: misc.invest,sun.real-estate
Subject: California residential earthquake reserve fund
Followup-To: send
Date: 25 Jul 1992 00:17:07 GMT
Organization: Sun Microsystems Inc., Mountain View, CA
Distribution: ca
NNTP-Posting-Host: shasta
Keywords: required by law

	I just bought a new house, and in the process of getting fire 
insurance policy, my agent informed that he is required to ask me to buy 
insurance for cal. residential earthquake reserve fund. I can decline it 
or buy it at the rate of $61 for $15000 coverage with a $1250 deductible.
	This is not so bad, but the problem is if I decline this coverage,
and if I change my fire insurance coverage for some reason, then the differnece
in premium will go to the state for earthqualke reserve fund. For example
if my current premium is $600 with $250 deductible, and if I change my
deductible to $500, my premium will be $525. Now out of the difference ($75)
$61 will go to the state, and only $14 will be refunded to me. Now this seems
like a rip-off to me, has anyone been through this type of scam?
						-rupinder
From: masimo@netcom.com (Michael Maas)
Newsgroups: misc.invest
Subject: AIM (was  Charles Givens)
Date: 24 Jul 92 17:26:55 GMT
Organization: Netcom - Online Communication Services  (408 241-9760 guest)

In article <1992Jul20.191524.13628@awdprime.austin.ibm.com> root@sickbay.austin.ibm.com writes:
> Wholehearteldy YES, YES, YES, YES !!!!!!!!!!
> Look, I don't know this Givens guy and I will not say anything against HIM,
> as a person. As a concept it STINKS. A lot of sorry ass souls, (sorry, your
> friend may qualify), think that they can BUY common sense and experience.
> I am a semi professional trader, (have been a broker for two years) now I
> only play with my money.) I have enough experience and knowledge I could
> start peddling something like this, but I could not sleep at night. (well :-))
> I went thru this myself, bought AIM casettes (Automated Investment Management)
> by Mr. Lichetto (sp?) and even so, it was not the total crap, I could have
> bought his book only !! As a whole it had some merit but not $200 worth.
> Your frind maybe better to take some CC courses or cont. education stuff.
> My .02 dollars worth.
> Cheers
> AMN

AMN, I tried to reply to you but sickbay bounced it.  Can you post or mail
information about your experience with the AIM methodology?

Thanks,

Mike Maas
From: tony@macbeth.com (Tony Hurson)
Newsgroups: misc.invest
Subject: The demise of bank lending
Date: 30 Jul 92 15:30:20 GMT
Organization: ROSS Technology, Inc. Austin, Tx.
Originator: tony@macbeth

One other pressure on bank lending is the trend towards securitization
of loans (see the excellent, thought-provoking survey of world banking
in the May 2-8 edition of "The Economist").

Already in the U.S., and to a lesser extent in Europe and Japan, large
corporations are raising loan capital on the bond markets, rather than
knocking on the doors of banks. It is cheaper for them to do so.

More recently, mortgages and credit card loans have been bundled and 
sold as securities, as their risk factors become better known.

Even apparently secure banking markets like small business and personal
loans are opening to securitization, as risk assessment agencies reach
down to Main Street.

This trend is pretty sobering news to bankers. To survive, banks will
become loan processing agencies, bundling loans for the bond markets;
or must retreat into more specialized niches.

+------------------------------------------------------------------------+
| Disclaimer: All opinions above are personal.                           |
+------------------------------------+-----------------------------------+
| Tony Hurson                        | Email: tony@ross.com              |
| ROSS Technology,                   | Voice: 1-512-892-7802x257         |
| 5316 Hwy 290 West Suite 500,       | Fax:   1-512-892-3036             |
| Austin, TX 78735, USA.             |                                   |
+------------------------------------+-----------------------------------+
From: ky04@ns1.cc.lehigh.edu (KUN YU)
Newsgroups: misc.invest
Subject: Info on UtDSvcGvt wanted
Date: 27 Jul 92 16:52:56 GMT
Organization: Lehigh University

I was looking for a good money market account and found in the newspaper
that the highest yield (4.3%) was from UtDSvcGvt. Could anyone give me
its phone number and tell me what it is? Any good? 
-- 



                                                          _                  
ky04@lehigh.edu                                         / _ \
KYu, BioProcessing Institute                          /\ _|_ /\
111 Lehigh University                                    /|\
From: merritt@macro.bu.edu (Sean Merritt)
Newsgroups: misc.invest
Subject: lump sum
Date: 23 Jul 92 18:42:47 GMT
Organization: Boston University Physics Department



	Today's IBD(7/23) has the lump sum pension distr. story.

	Chances are you are in the 28 % bracket or worse
	if you have a 401k-403b. The deal is now they keep
	20% in withholding. You will still owe  8% or more
	if you take the money and run. Previously you 
	would be on the line for the full 28% or more.
	The 10% penalty is still in effect.

	In order to avoid the "completion backwards principle"
	make sure you instruct them(the company) were to rollover 
	your lump sum before you leave the company. If you don't
	do it this way and you did want to roll it over youll
	have to make up the 20% difference out-of-pocket
	and wait for a tax refund.
-- 
Sean J. Merritt		         |      Nietzsche che dice?
Dept of Physics Boston University| 	       Boh!	
merritt@budoe.bu.edu		 |
From: bruceh@sgi.com (Bruce R. Holloway)
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 24 Jul 92 22:58:28 GMT
Organization: Silicon Graphics, Inc.

In article <BrwKoJ.M46@oryx.com> xcpslf@decsrv.oryx.com writes:
>
>Many of my friends carry $1000 deductables if they've put any thought into it.  If you don't
>have a lien against the car, this is probably the best choice.

Oh, I don't know.  I don't have any collision/comprehensive insurance on
my car at all.

Regards, bruceh
From: johne@vcd.hp.com (John Eaton)
Newsgroups: misc.invest
Subject: Re: Charles J. Givens
Date: 23 Jul 92 18:00:21 GMT
Organization: Hewlett-Packard VCD

jdavis@husc13.harvard.edu writes:
: 
: If this weren't the case (assuming that you are an average risk), then
: the insurance company would be losing money on the deal...  The expected
: return must be about the same between the two plans.
:
--------------------
On average about half of your insurance premium goes to pay claims and the
rest goes in overhead,profits,salaries etc. If you banked your premium and
paid all claims directly then on average you would be better off. The 
problem is that the insurance company can work with a large number of
payers each with a finite risk of a huge loss. As an individual you either
have a huge loss or you don't. 

The best advice (from Andrew Tobias in Invisible Bankers" is only insure
against losses that you cannot afford. If you run in with a $250 scratch
on your fender and they up your premiums by 5% for the next year then you
could lose money. 

John Eaton
!hp-vcd!johne
Organization: Penn State University
Date: Sat, 25 Jul 1992 14:16:54 EDT
From: BOB CONN <REC102@psuvm.psu.edu>
Newsgroups: misc.invest
Subject: Artel Communications - AXXX

Am searching for company information on ARTEL.  They sell
fiber optic networking hardware.  Recently heard that one of
the VP's of DEC is now their CEO.  Any recommendations,
info, or anyone using their equipment?
Have also heard of a few good gov't contract (NASA and Pentagon)
as well as one of the major TV networks.  Have they
gotten these contracts?  Their newest network just finished
Beta testing at a university but I haven't heard any results.
Any and all info is most appreciated.
******************************
REC102 @ PSUVM
REC102 @ PSUVM.PSU.EDU (INTERNET)
BOB CONN
PENN STATE UNIVERSITY
******************************
Newsgroups: misc.invest
From: suhre@meltami.dsd.trw.com (Maurice E. Suhre)
Subject: Re: good book on S&L scandal
Organization: TRW, INC.
Date: Mon, 27 Jul 1992 23:47:09 GMT

In article <l71ca0INN4oa@exodus.Eng.Sun.COM> tut@cairo.Eng.Sun.COM (Bill "Bill" Tuthill) writes:
>Yet another surprise is how stupid and slimy Jim Wright
>(speaker of the House) was.  Almost single-handedly he prevented the
>closing of Vernon S&L, the 2nd biggest loss after Lincoln S&L.  

This doesn't come as a surprise to me.
There isn't a limit to how low
the politicians will stoop to
help their constituents.

-- 
Maurice Suhre
suhre@trwrb.dsd.trw.com
Newsgroups: misc.invest
From: colburn@oswego.Oswego.EDU
Newsgroups: misc.invest
Subject: Re: Buying stock w/o a broker
Keywords: Results
Date: 27 Jul 92 16:42:50 GMT
Reply-To: u6k75@lfkw2.bgm.link.com
Distribution: usa
Organization: Instructional Computing Center, SUNY at Oswego, Oswego, NY
Originator: colburn@penelope.oswego.edu

The results of my previous posting are as follows:

  To buy a single share of stock the best deal is Dean Witter.  The cost is 10%
for brokerage fees plus 2.50 postage and handling.

  Another suggestion was NAIC but I don't know what that is.

  No other companies that sell their stock directly were mentioned.


                                Thanks to all that responded,

+-----------------------------------------------------------------+
|  Bret Colburn                                                   |
|  CAE Link - Link Flight Simulation Division                     |
|                                                                 |
|  u6k75@lfkw2.bgm.link.com     or     colburn@oswego.oswego.edu  |
+-----------------------------------------------------------------+
Newsgroups: misc.invest
From: ask@cbnews.cb.att.com (Arthur S. Kamlet)
Subject: Re: How does quarterly loss directly affect shareholder?
Organization: AT&T Bell Laboratories,  Columbus, Ohio
Distribution: usa
Date: Tue, 28 Jul 1992 20:01:16 GMT

In article <12536@inews.intel.com> bhoughto@sedona.intel.com (Blair P. Houghton) writes:
>In article <1992Jul27.212108.15587@pony.Ingres.COM> gmcquary@Ingres.COM (George F. McQuary) writes:
>>loss was "equilavent to 35 cents per share".
>>Does this mean that they will now sell their stock to the public 35 cents
>>lower per share? That they will try to get 35 cents per share from each
>>share holder to coop their loss? Is this meaningful information at all?


It means the loss was equivalent to 35c per share.  That's all.

If they had been predicting this loss all along, then when they
announce their results, the stock shouldn't change much.

If analysts predicted a loss of $1 and it only lost 35c the stock
might go up!

If the company had good resons for this loss and expects to be
profitable in the forseeable future, it could still be a good
investment.  But if it keeps losing money every quarter, don't
expect it to make it up in volume :^)

Bottom line:   Losing 35c for the quarter  - by itself -- isn't
enough information to say what might happen to the stock price.

>It means don't expect a dividend this time around.
>

Nah.  Many companies with a quartly loss continue to pay dividends
at current rate.   The company may or may not pay the dividend, if
any.


>It means that if you really owned the portion of the company
>for which you hold the stock, this is how much you would
>have lost.

Nah.   The book value or shareholders equity does not necessarily go
down 35c just because there was a 35c loss.

>
>It means if there's another stock that has worse per-share
>losses you shouldn't want it; and if there's another stock
>that has better per-share losses, or a profit, you should
>want it more than this one.

Nah.  When the boilerplate statements that say future performance
cannot be predicted by past performance are posted, read them.

I'll bet if we surveyed the average mutual fund there would be some
issues which lost money last quarter.  In fact, I wouldn't be
surprised at how many companies readers of this newsgroup own that
had losing quarters.  No smiley face.

You need lots more information to know if the 35c is good or bad
news and lots more information to know if you should sell the stock
or buy more of it.
-- 
Art Kamlet  a_s_kamlet@att.com  AT&T Bell Laboratories, Columbus
Newsgroups: misc.invest
From: J056600@LMSC5.IS.LMSC.LOCKHEED.COM
Subject: Re: Charles Schwab Mutual Fund Clearing House
Organization: Lockheed Missiles & Space Company, Inc.
Date: Mon, 27 Jul 92 16:15:33 GMT

In <84Tv02i01b6A01@JUTS.ccc.amdahl.com>, nyp00.cd.amdahl.com (Nicholas Y. Pang)
writes:

>I read from a recent financial newsletter that Charles Schwab Discount
>Brokerage
>has recently announced that customers can now invest in any of 80 or
>more
>mutual funds at NO charge.  The fee for the service will come from each
>participating fund company. Schwab receives 0.25% of all assets brought
>in
>under this program.

>I am a Schwab customer but has not received any annoucement as such. Anybody
>heard about this? If so, which companies are in this program?

I heard rumblings about it a few weeks ago.  Last week, I bought into the
Janus Twenty fund.  I was expecting a $29 commission, but I was pleasantly
surprised when I got the confirmation.  All of the money went to purchasing
shares, and there was a "$.00" under "Transaction Fee!"

Obviously, Janus is participating.  You might try calling Schwab's Mutual Fund
department at 800-526-8600.  They should be able to give you a list of
participating fund families.

Tim Irvin   j056600@lmsc5.is.lmsc.lockheed.com
**************************************************************************
The Federalist Papers:  Cliffs Notes for Constitutional study.  Use it.

Marrou/Lord '92
From: mincy@think.com (Jeffrey Mincy)
Newsgroups: misc.invest
Subject: Re: Dow Jones Investment Strategy
Date: 31 Jul 1992 18:13:33 GMT
Organization: Thinking Machines Corporation, Cambridge MA, USA
NNTP-Posting-Host: mjolnir.think.com

In article <1992Jul30.182023.18616@bnr.ca> bucknerb@bnr.ca (Brent Buckner) writes:
>In article <1992Jul30.154400.29274@usenet.ins.cwru.edu> aa536@cleveland.Freenet.Edu (Alayne M. Whaley) writes:
>>
>>I believe I read a Jane Bryant Quinn article and there is a book 
>>out that outlines the strategy.  Seems you pick the 5 lowest 
>>stocks (just price wise or taking other things into consideration, 
>>I dunno.) and buy into them.  And then every so often (every year or
>>two?) reevaluating the stocks and buying those instead.  
>>
>>Any information about the book or strategy would be greatly appreciated.

>>Alayne M. Whaley            ! "She's always lived for tomorrow. She's never 
>
>"Beating the Dow" is the title of such a book.  I cannot recall
>the author's name.

Michael O'Higgins with John Downes

>It outlines three strategies for stock selection.  You revisit the
>portfolio annually.

>As I recall, the three strategies are:

yep.

>1)  Buy the 10 highest-yielding stocks in the DJIA, or

If you had followed this strategy, and bought the 10 highest yielding 
industrials at the beginning of the year (1/2/92) you would have made about 
3% so far this year including dividends (not reinvested).  The biggest winner
is Amex ~+12%,  the biggest losers are Eastman Kodak and JP Morgan ~-10%.  

>2)  Of those ten stocks, buy the five with the lowest
>    dollar price per share, or

>3)  Of those ten stocks, buy the stock with the second lowest
>    dollar price per share.

>Caveat emptor.

-- 

-- jeff
mincy@think.com
From: james@splinter.coe.northeastern.edu (James E. Jones)
Newsgroups: misc.invest
Subject: sticker symbol LUV
Date: 27 Jul 92 22:43:16 GMT
Distribution: misc
Organization: College of Engineering, Northeastern University


LUV is Southwest Airlines. LUV closed at 21 3/4 on 7/27/92.

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

James E. Jones, Jr.
College of Engineering
Northeastern University
Boston, Massachusetts 02115

internet: james@nueng.coe.northeastern.edu
BITnet:  james@nuhub
Phone: (617)437-4430
FAX: (617)437-2501

*** All comments made are my own,                 ***
*** they are not those of Northeastern University ***
Newsgroups: misc.invest