HDTenEightyP/NetNews huggingface dataset:
From: etpeters@dal.mobil.com (E. T. Peterson(Eric))
Subject: Re: S&P index options ?
Organization: Mobil Exploration & Producing Technical Center(MEPTEC), Dallas. 
Distribution: usa
Date: Mon, 14 Dec 1992 18:25:23 GMT

In article <Bz9C7A.43A@news.cso.uiuc.edu>, cs101a64@ih-nxt04.cso.uiuc.edu (cs101 student) writes:
|> I prefer value investing as a hedge against a bear market.  Stocks never  
|> expire worthless (unless they go bankrupt), and some stocks will dodge the  
|> bullet in every bear market.  Value investing hedges against a bear market 
|> .... 
|> Stocks that fit this profile include British Steel,  
|> Travelers, Ahmanson, and Aetna Life and Casualty.

How did Traveler's, Ahmanson, and Aetna do from 8/25/87 to 10/22/87?  I suspect they
dropped a fair amount.

Any diversified portfolio (even if they are all "value" stocks) is going to lose money
during a market drop such as August to late October, 1987.

*********************************************************************
Eric Peterson                  The sooner you fall behind,
Research Geophysicist          the more time you'll have to catch up!
(214) 951-3251
etpeters@drsol1.dal.mobil.com
*********************************************************************
Newsgroups: misc.invest
From: lib@cbnews.cb.att.com (Lib)
Subject:  20% Mutual Funds
Organization: AT&T
Date: Fri, 18 Dec 1992 13:05:34 GMT


There were a couple of postings recently about mutual funds which
provide returns of 20%+ per year over the past ten years. Morningstar
lists 21 funds with a 10-year return of > 20.000%. Both CGM and
SIT (the two specifically mentioned in the postings) were in the
list. Most (but not all) of the others were sector funds.
From: fierro@uts.amdahl.com (Doug Fierro)
Newsgroups: misc.invest
Subject: Re: Micro Analysis of Stock Trading
Keywords: Specialist, Supply, Demand, Scenarios
Date: 18 Dec 92 00:43:08 GMT
Organization: Amdahl Corporation, Sunnyvale CA

In article <1992Dec9.234247.5539@cbfsb.cb.att.com> chandrab@cbnewsf.cb.att.com (b.chandramouli) writes:
>
>Consider the following four scenarios:
>
>2) A day when the corp. has just announced earnings news.
>
>3) A day when there is break through news about the company
>
>4) A day when there is news about the industry that this company belongs to
>
>For cases 2,3 and 4 there are two sub cases depending on whether the news
>is good or bad.

  You can anticipate the news for case 2); an early announcement is 
usually good news; a late one is not :-(   This is for actual earnings,
not projected earnings.  Seems to hold everytime I see the quarterly
announcements.

  Doug
-- 
                                                     Doug Fierro
                                      |\             UTS System Software
  O                         __________|_\______      CASE tools development
  \_.______________________| * * * * * * * * */      fierro@uts.amdahl.com
 __\____                   |=================/       (408)746-7102
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Newsgroups: misc.invest,misc.consumers,misc.entrepreneurs,sci.econ,misc.legal
From: raphael@fx.com (Glen Raphael)
Subject: Re: ***(NEW EDITION) JAPANYES;VERY POPULAR PAPER ON JAPANESE BUSINESS STRATEGY (1of2)
Organization: FXD/Telerate, Mountain View, CA
Date: Wed, 16 Dec 1992 03:56:22 GMT

raphael@fx.com (Glen Raphael) writes:

>Apple made the PowerBook 100 and the PowerBook 140 in Fremont, California.

>Ever wonder why Apple had to make the PowerBook 170 in *Ireland*?

Whoops. I've been informed that the PowerBook 100 is made in Japan, although
not by Sony. Perhaps I was thinking of the Mac Portable? I'll retract this
particular example. For an example of dumb US trade laws damaging the US
computer industry, I should have used DRAMs instead...

Glen Raphael
raphael@fx.com
From: doug.hewko@synapse.org (Doug Hewko) 
Newsgroups: misc.invest
Subject: Expanded DuPont System
Date: 18 Dec 92 12:14:00 GMT
Distribution: world
Organization: SYNAPSE BBS - GATINEAU, QUEBEC - 819-561-4321
Reply-To: doug.hewko@synapse.org (Doug Hewko) 

From: doug.hewko@synapse.org

Does anyone know how the Expanded DuPont System (a.k.a. Sustainable 
Growth Model) was developed?  When I was unable to locate the original 
publication of the model in the library, I called the company, and the 
people there claimed never to have heard of it.  This model was used 
in some of my finance classes, and it does appear in a few textbooks, 
so it is no deep secret.  I know the model, so my primary interest is 
the story behind it. 

               Doug
---
 . 1st 1.01 #574 . "If you can't pave it, why save it?" -- Montana Max
           
Newsgroups: misc.invest
From: pkedrosk@student.business.uwo.ca (Paul S. Kedrosky)
Subject: Re: Why is Borland downgraded?
Organization: University of Western Ontario
Date: Sun, 20 Dec 1992 05:18:21 GMT


neal@sequent.com (Neal C. Wyse) writes:

> In article <4DiyVB7w161w@cdthq.UUCP> gary@cdthq.UUCP (Gary Heston) writes:
> >fox@cs.nyu.edu (David Fox) writes:
> 
> 	[ stuff deleted ]
> 
> >cut it if the margin was 15%. Look at the salaries, benefits,
> >and Bill Gates' new $35 million house; that's most of what 
> >you're paying for when you buy Microsoft; I don't think Kahn
> >has anywhere near that large a house (two 20-car garages is
> >a little much....).
> 
> On one hand I can't fathom a 35 M$ house, but this is not what you are paying
> for when you buy MSFT products (IMO).  Gates is rich off his stock holdings.
> I don't know what his salary is (anyone with a prospectus?) but I doubt it
> is far out of line.  From what I know of salaries from a few I know that work
> there.  They are ok but not great.  It is the stock options they get that mak
> the difference.  From what I've seen also, they earn it (i.e., work very hard

Bill Gates draws one of the smallest salaries of any CEO in the
Fortune 500. In fact in one Fortune salary listing (this summer I
think) he led the list of what they called "bargain CEO's" in the
Fortune 500. He has made his money through Microsft's unbelieveable
share price appreciation over the past
decade and through holding stock options against that appreciation (as well as
continuing to hold  a pretty big block of Microsoft shares). Anybody who has a
problem with seeing Gates making that kind of money that way has a personal
problem with Gates that has nothing to do with his salary. Sounds
uncomfortably like techie-envy to me.

Paul


 __________________________________________________________________________
     Paul S. Kedrosky              __/ "In a certain village in La Mancha,
    pkedrosk@business.uwo.ca      __/ which I do not wish to name, there
   University of Western Ontario __/ lived not long ago a gentleman..."
  (519) 679-2111 x5174          __/  
Newsgroups: misc.invest
From: khoover@cbnewsj.cb.att.com (kent.d.hoover)
Subject: Re: Cardiac Sciences. What gives?
Organization: AT&T
Distribution: usa
Date: Mon, 14 Dec 1992 22:38:31 GMT

In article <1gil9kINNp35@meaddata.meaddata.com> dwight@meaddata.com (Dwight Huddleston) writes:
>Does andybody know anything about a company called Cardiac Sciences (DFIB)?

All I know about them is that they picked a cool ticker symbol!

Cheers,
Kent Hoover
Newsgroups: misc.invest
From: stgprao@st.unocal.COM (Richard Ottolini)
Subject: 1992 DJIA average contest
Organization: Unocal Corporation
Date: Fri, 18 Dec 1992 23:21:22 GMT


In Jan 1992 I asked people to post predictions for 1992.
I am not sure if I'll have InterNet access in the next two weeks
so this a repeat of the postings:

2250	jld1@iwtgp.att.com (Jeffrey L David)
2545	roy@math13.math.umbc.edu (Roy Edwards)
2710	pagel@cheesehead.sharebase.com (Tom Pagel)
2750	lynch@hpcc01.corp.hp.com (Howard Lynch)
2800	C_FREEMAN" <CFREEMAN@doc.bmd.trw.com>
2816	intrepid!gary@uu.psi.com (Gary Funck)
2889.48	aboufade@math.rutgers.edu (Edward F. Aboufadel)
3136.44	farrenko@meteor.wisc.edu (Joe Farrenkopf)
3226	prm@aplcomm.jhuapl.edu (Paul R McMullin)
3257.88	marn@SEAS.UCLA.EDU (Jure Marn)
3372	tjochem@IUS4.IUS.CS.CMU.EDU (Todd)
3421	stgprao@xing.unocal.com (RichardOttolini)
3488	Andrew Philpot <philpot@ptolemy.arc.nasa.gov>
3600	Joseph Chan <joseph@milton.u.washington.edu>
3750	bbramski@nis.naitc.com (Bob Bramski)
4029	weitek!lupin@Sun.COM (Edward Lupin)
4200	dbrown%gr@cs.utah.edu (Don Brown)
4500	<BKOTTMANN@FALCON.AAMRL.WPAFB.AF.MIL> (Brett Kottmann)
3263	MEAN

P.S. Interestingly enough, we are fairly close to the mean prediction now.
A forecasting method called DELPHI uses the mean technique.
Newsgroups: misc.invest
From: gilman@cshl.org (Michael Gilman)
Subject: Janus Enterprise Fund
Followup-To: misc.invest
Organization: Cold Spring Harbor Laboratory
Date: Mon, 14 Dec 1992 16:27:04 GMT


Seeking information on new Janus Enterprise Fund. It is a new fund and
seems to be doing quite well. Its prospectus states that it will invest in
firms with market caps in the $1-5 billion range and that it is
*non-diversified* (this, I assume, means that it invests in a relatively
small number of stocks, like the Janus Twenty Fund). Over the phone, Janus
says that the portfolio manager is Jim Goff and the phone rep rattled off a
list of the funds top ten holdings, but most of the names meant little to
me. Because it is a new fund, there is not yet an annual report that
details the entire portfolio.

Any information or opinions from folks who might know more would be
appreciated.

Thanks,
Michael Gilman
gilman@cshl.org
Newsgroups: misc.invest
From: georgec@eng.umd.edu (George B. Clark)
Subject: New Tax-Sheltered Investment
Date: Mon, 14 Dec 92 16:47:55 GMT
Organization: University of Maryland

According to a market timer named Richard Band, a new issue going public
this week will be a great tax shelter for this entire decade.

William Coal Seam Royalty Trust is the name, but I don't know its ticker
symbol. They are in the natural gas business, I think.

Richard Band said it will pay 10-11 percent annually, and all of it is
tax sheltered. This is a lot better than municipal bonds, and other tax
sheltered issues, and Richard Band is excited about it. 
Newsgroups: misc.invest
From: watanabe@cs.uiuc.edu (Larry Watanabe)
Subject: Re: Free Stock Newsletter By E-mail
Organization: University of Illinois, Dept. of Comp. Sci., Urbana, IL
Distribution: na
Date: Wed, 16 Dec 1992 20:02:16 GMT

etpeters@dal.mobil.com (E. T. Peterson(Eric)) writes:

>In article <BzC0Fw.24J@sdf.lonestar.org>, mrand@sdf.lonestar.org (Marc Randolph) writes:
>|> In article <Bz3tIn.Lq@cs.uiuc.edu> watanabe@cs.uiuc.edu (Larry Watanabe) writes:
>|> >[...]
>|> >There are no funds averaging > 20% over 10 years.
>|>            ^^
>|> >
>|> >-Larry Watanabe watanabe@cs.uiuc.edu
>|> 
>|>    I hope you meant to type "several" rather than "no".  CGM and 
>|> Sit New Beginning, as well as a few others, have returned just over 20% 
>|> avg over the past 10 years.

>Maybe we need a precise definition of "return".

>A 200% gain in ten years seems to be an average "return" of 20%,
>but a fund returning just 11.6% each year (with reinvestment
>of the 11.6%) will give you a 200% gain in 10 years.

>So would you say the return is 20% per year or 11.6% per year?
>Which method of calculation applies to the above mentioned funds?

I meant there is no fund whose return would be greater, over
the course of 10 years, than say a bond with a 20% interest rate.

At 20% annual return, $1000 invested 10 years ago
would grow to $6,191.74.

-Larry Watanabe watanabe@cs.uiuc.edu
Newsgroups: misc.invest
From: watanabe@cs.uiuc.edu (Larry Watanabe)
Subject: Re: "Market efficiency" (Was Re: Rationality of the stock market (NOT!))
Organization: University of Illinois, Dept. of Comp. Sci., Urbana, IL
Date: Wed, 16 Dec 1992 16:58:03 GMT

gilman@cshl.org (Michael Gilman) writes:

>This, of course, is the basic argument in favor of indexing: since the
>market is so efficient, at least for large well-followed companies, you
>cant beat it by stock-picking, so why pay for it?

>But, heres a dumb question: Why couldnt you improve your return vs S&P 500,
>for example, by simply eliminating the stocks of dying companies (IBM??)
>that are still large but are almost certainly headed down the tubes? I
>guess the argument would be that grim company prospects are already fully
>incorporated in the market price. But, still, spotting losers in dying
>industries would seem to be simpler than picking winners in growing
>competitive industries.

>mg

By this token, Chrysler at $5.00 would have been eliminated
as a choice. But, eliminating Chrysler just before its turnaround
would have greatly reduced the performance of any fund.

Even companies that are going bankrupt can be good investments.
Liquidation can generate money that will give a good return
on the investment. 

It is probably no easier to spot losers in dying industries
than it is to pick winners in growing competitive industries,
for much the same reason. As you have mentioned, the grim/good
company prospects may already be fully incorporated in the
market price.

The "contrarian" theory (low P/E is a variant of this) is that
good/grim prospects are MORE than fully incorporated in the
market price. In other words, people overestimate the 
goodness/grimness of the prospects, so money can be made by
betting the other way.

-Larry Watanabe watanabe@cs.uiuc.edu
Xref: sparky misc.invest:14975 misc.taxes:3823
From: sasha@sargon.metaphor.com (Sasha Velednitsky)
Newsgroups: misc.invest,misc.taxes
Subject: Re: Wash sale - a sneaky way around?
Date: 15 Dec 92 21:26:20 GMT
Followup-To: misc.invest
Organization: Metaphor Computer Systems, Mountain View, CA


 A wash sale occurs when an investor who sells security at a loss
 purchases substantially identical securities within 61-day period,
 beginning 30 days before the sale and ending 30 days after the sale.

 Good luck,
 Sasha  
Newsgroups: misc.invest,alt.activism
From: prs9k@brain.med.virginia.edu (Phil Scarr)
Subject: Re: Snapple - Does it really go public Tuesday?
Organization: Neuroclinical Trials Center, University of Virginia
Distribution: na
Date: Wed, 16 Dec 1992 16:32:10 GMT

In article <1992Dec16.155340.285@noose.ecn.purdue.edu> parrish@ecn.purdue.edu (Stephen L. Parrish) writes:
>Nope.  Can't do it.  To see this aspect of an ad campaign would reveal
>a faint understanding of the principles of capitalism-- and we all know
			      ^^^^^^^^^^^^^^^^^^^^^^^^
>this is _bad_.

Isn't this an oxymoron?

1/2  :-)

>
>-- 
>Stephen Parrish              |          Will Do Core Design for Food 

	-Phil
-- 
PHIL SCARR        \      We are Microsoft...     /          (o) 804.243.0229
 University of    /     OS/2 is irrelevant.      \          (f) 804.243.0290
 Virginia,        \     UNIX is irrelevant.      /        prs9k@Virginia.EDU
 Neurosurgery     /     Openness is futile.      \     prs9k@Virginia.BITNET
 HP-UX is my life!\ Prepare to be assimilated... /   ...uunet!virginia!prs9k
From: Debbie.Hazelton@f66.n369.z1.fidonet.org (Debbie Hazelton)
Newsgroups: misc.handicap
Subject: Re: jaws with a votalker
Date: 15 Dec 92 19:17:12 GMT
Reply-To: Debbie.Hazelton@f66.n369.z1.fidonet.org
Organization: FidoNet node 1:369/66 - Serendipity, Deerfield Beach FL
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26798

[This is from the Blink Talk Conference]

 WW>      I have a Soundingboard, and although I am not totally in love with
 WW> it, the one thing I do like is its speed in shutting up with just the
 WW> touch of the alt key in most every speech program I've run with it!

I love the Sounding Board.  I usually silence mine with the control
key,since the alt key puts me in review.  I didn't know how easy it
would be to use speech, so long as I was using Vert and a Votrax.
When I switched to the Sounding Board and Vocal-Eyes, wow!  What a
big difference!  I read lickety split and get where and what I want
done so much more quickly!

--
Uucp: ..!uunet!bunker!hcap!hnews!369!66!Debbie.Hazelton
Internet: Debbie.Hazelton@f66.n369.z1.fidonet.org
From: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org (Joe Chamberlain)
Newsgroups: misc.handicap
Subject: Stories
Date: 15 Dec 92 22:23:04 GMT
Reply-To: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org
Organization: FidoNet node 1:150/175.1 - Busted Flush BBS, New Castle DE
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26853

[This is from the Spinal Injury Conference]

In a message to Joe Chamberlain <26 Nov 92 21:56> Keith Jones wrote:

 > JC>      Am I happy.  No, but I am satisfied.  I consider
 > JC> myself retired.  This allows me the freedom not to be
 > JC> driven to perfection.  I do a little bit of private
 > JC> counseling.  I do lots of reading.  I write.  I have a weekly lover.

 KJ> Maybe I need a weekly lover. Since the ex-fiance three years ago, I
 KJ> have not been intimate with anyone. I thought about visiting the ranch

Our local paper has a section for personal ads.  I just advertised
for a friend for companionship and possibly more.  Even with the
word 'disabled' inserted in the ad, I got about 40 responses and
interviewed about ten.  We both are about the same age, have lots
of interests in common, and enjoy the weird sex of a quad.  If we
get tired of each other, I'll place another ad.

--
Uucp: ..!uunet!bunker!hcap!hnews!150!175.1!Joe.Chamberlain
Internet: Joe.Chamberlain@p1.f175.n150.z1.fidonet.org
From: Isaac.Obie@p0.f460.n101.z1.fidonet.org (Isaac Obie)
Newsgroups: misc.handicap
Subject: Re: Equipment
Date: 15 Dec 92 17:54:36 GMT
Reply-To: Isaac.Obie@p0.f460.n101.z1.fidonet.org
Organization: FidoNet node 1:101/460.0 - VI/BUG, Holbrook MA
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26761

[This is from the Blink Talk Conference]

Les, you have a good point. With the KTS from germany which is sold by
ATC, it works well because the hookup is machine oriented as opposed to
software. See if I was cabled to the machine, not using it's card, I'd
have to use software and this bypasses all bios settings. I have seen
this machine show me the bios settings. That's why I've been so
interested in it. I just don't know how good their tech support will be.
Being hard of hearing, I don't wanna have to struggle to understand a
roumanian accent and have everything echoed back at me on top of this.
so I am not sure what I will do. I will have to decide soon or I'll lose
the money.

Isaac

--
Uucp: ..!uunet!bunker!hcap!hnews!101!460.0!Isaac.Obie
Internet: Isaac.Obie@p0.f460.n101.z1.fidonet.org
From: Marvin.Rush@f10.n3817.z1.fidonet.org (Marvin Rush)
Newsgroups: misc.handicap
Subject: Dogs and Escalators
Date: 15 Dec 92 19:15:04 GMT
Reply-To: Marvin.Rush@f10.n3817.z1.fidonet.org
Organization: FidoNet node 1:3817/10 - InSight BBS, Leesville La
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26783

[This is from the Blink Talk Conference]

Hi just wanted to tell you that when I was at seeing eye we wer
taught to grab the back strap of the harness and as you step on to
give it a big jerk. It works I used to do my first dog that way.
But Becky dog just jumps on and off. c u l Marvin

--
Uucp: ..!uunet!bunker!hcap!hnews!3817!10!Marvin.Rush
Internet: Marvin.Rush@f10.n3817.z1.fidonet.org
From: Gordon.Gillesby@f1007.n282.z1.fidonet.org (Gordon Gillesby)
Newsgroups: misc.handicap
Subject: SYNCOPY HYPOTENTION
Date: 15 Dec 92 22:21:06 GMT
Reply-To: Gordon.Gillesby@f1007.n282.z1.fidonet.org
Organization: FidoNet node 1:282/1007 - DRAG-Net, Andover MN
X-Fidonet: Rare Disorder Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26836

[This is from the Rare Disorders Conference]

DK*>Looking for any information on syncopy hypotension
DK*>thank you

   I'm not a doctor - but I have some very good medical reference works
available.  Near as I can tell, the term Syncope relates to the lose of
consciousness (fainting) while the term Hypotension refers to low blood
pressure.  Therefore, it seems reasonable to assume that the name
applies to the condition of fainting because of low blood pressure.

   Of course, the cause of the fainting is lack of blood flow to the
brain.  The cause of the lack of blood flow is the low blood pressue.
But the cause of the low blood pressure?  That could be many, many
different and unrelated things including (but not limited to) other
cardiac (heart) related symptoms, medications, insufficient exercise,
food allergies, etc. etc. etc.

   In any case, your doctor should be able to help you isolate the
cause.  Assuming, of course, that I've managed to scope things out
correctly.....

   Hope this was of some help....

                                - glg -

 * QMPro 1.0 41-9039 * Got Kleptomania?  Take something for it!

--
Uucp: ..!uunet!bunker!hcap!hnews!282!1007!Gordon.Gillesby
Internet: Gordon.Gillesby@f1007.n282.z1.fidonet.org
From: Walter.Siren@p42.f17.n396.z1.fidonet.org (Walter Siren)
Newsgroups: misc.handicap
Subject: Re: tax break
Date: 15 Dec 92 19:15:22 GMT
Reply-To: Walter.Siren@p42.f17.n396.z1.fidonet.org
Organization: FidoNet node 1:396/17.42 - N. O. P. C. Club, New Orleans LA
X-Fidonet: Blink Talk Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26785

[This is from the Blink Talk Conference]

 CA> Well, I know I can't take advantage of it any more, something about not
 CA> being able to use deductions because my deductions aren't enough.  The tax
 CA> laws really discriminate against lone single people, in my humble opinion.

If the person who is doing your income tax is telling that you
can't take advantage of the tax credit for being blind, then you
better get another person to do it.  A tax credit is not the same
as a deduction.  I take the standard deduction since I retired, but
still get the tax credit.  Now that I am 65, I will get another
one.

Walter

--
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Internet: Walter.Siren@p42.f17.n396.z1.fidonet.org
From: Kevin.Robinson@p0.f15.n280.z1.fidonet.org (Kevin Robinson)
Newsgroups: misc.handicap
Subject: Christmas Need
Date: 15 Dec 92 22:22:51 GMT
Reply-To: Kevin.Robinson@p0.f15.n280.z1.fidonet.org
Organization: FidoNet node 1:280/15.0 - Writers' Block BBS, Raytown MO
X-Fidonet: Spinal Injury Conference
Originator: wtm@sheldev.shel.isc-br.com

Index Number: 26851

[This is from the Spinal Injury Conference]

Hi gang.  Just a note about a long time friend who's recently
double-dipped into the disability ice cream tub.  Phil Errion is a
polo survivor who, by age 50, has been experiencing the effects of
post polio syndrome; that is, what few leg muscles he had left began
to fail.  Phil has been a world class wheelchair athlete, and has
represented the U.S. abroad, and he was accepting his move toward
permanant use of his wheelchair with grace and wit.  When I was
business manager of the Orlando Orange Wheels wheelchair basketball
team in the late 70's, Phil was one of the top scorers in the S.E.
Conference, and let Orlando to a conference championship.  Last June
my family and I were able to fly down for his surprise 50th birthday
bash.  Several months later, a hit and run driver hit him from behind
and drove his car into a concrete wall on I-4  in Orlando.  Now, on
top of his increasing problems with post polio, Phil is a C6
quadriplegic...with no insurance to cover more than the most basic
medical expences.  His wife, Cathy, has to physically lift him in and
out of their car because they have no means of purchasing even a used
lift van.  The small Orlando church where they are members has just
begun a fund raising drive in an effort to buy Phil & Cathy a lift van
equipted so Phil can drive.
  Please consider making a small donation if you are able this holiday
season.  If Cathy is injured, you can imagine how devasting it would
be to an already traumatized family.  You can send tax deductable
contributions to:
Orlando R.P. Church
Atten: Deacon Board
324 E. Livingston St.
Orlando, FL 32803

Thanks!  Happy Holidays....

     Yours etc.,

--
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Internet: Kevin.Robinson@p0.f15.n280.z1.fidonet.org