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Funds ( misc.invest.funds )

From [email protected] Wed Jul 31 20:28:59 1996 Path: uunet!bounce-back From: [email protected] (Susan Wasserman) Newsgroups: news.announce.newgroups,news.groups,misc.taxes,misc.taxes.moderated,misc.legal,misc.invest,misc.invest.stocks,misc.invest.funds,misc.invest.real-estate,misc.industry.insurance Subject: RFD: misc.invest.financial-plan moderated Followup-To: news.groups Date: 1 Aug 1996 00:28:39 -0000 Organization: . Lines: 239 Sender: [email protected] Approved: [email protected] Message-ID: <[email protected]> NNTP-Posting-Host: rodan.uu.net Archive-Name: misc.invest.financial-plan Xref: uunet news.announce.newgroups:8998 news.groups:222706 misc.taxes:56096 misc.taxes.moderated:5038 misc.legal:193885 misc.invest:144008 misc.invest.stocks:177678 misc.invest.funds:53736 misc.invest.real-estate:36033 misc.industry.insurance:1858                       REQUEST FOR DISCUSSION (RFD)               moderated group misc.invest.financial-plan  This is a formal Request For Discussion (RFD) for the creation of a world-wide Usenet newsgroup "misc.invest.financial-plan". This is not a Call for Votes (CFV); you cannot vote at this time. Procedural details are below.  RATIONALE: misc.invest.financial-plan  There are presently no newsgroups dedicated to the subject of financial planning, which integrates the topics of taxation,saving & investing, estate planning, retirement planning and insurance. Although very good discussion groups exist for most of these topics, there is no integration between them and the professionals involved.  Since these topics are interrelated, by discussing them all in one newsgroup the readers can ask integrated questions without seeming to be out of topic or in the wrong group.  The purpose of this group will be to provide a forum where interested parties can exchange ideas, opinions, views and information as it relates to financial planning.  This group is not intended to replace the misc.tax, misc.legal, misc.industry.insurance, and the misc.invest.* newsgroups, but to complement them.  Extensive discussion on any one of the above topics should continue to be limited to the specialty newsgroup involved.  The group will be moderated, mostly to prevent advertising of financial services and financial products. Unfortunately, Usenet has become a hot bed for "get rich quick" schemes, tax protester propaganda and other advertising.  Since there are many topics covered in this newsgroup, I believe that the "quality" of the postings should be maintained.  CHARTER: misc.invest.financial-plan  1. The newsgroup "misc.invest.financial-plan" is intended to provide for well-tempered discussions, including, but not limited to, the interrelated topics listed below:  Financial Planning: -The financial planning process -The role of the financial planner -Financial statements -Development, implementation and review of financial plans  Taxation: - Tax planning and strategies - Current and proposed developments in tax law - Taxation as it relates to a comprehensive financial plan  Saving & Investing: -Budgetary,savings, credit and debt planning - Time value of money -Investment planning -General discussion of investment alternatives -Investment risk -Investment timing -Asset allocation -Fundamental & technical analysis -Savings and investing as related to a comprehensive financial plan  Insurance Planning: -Life insurance -Health insurance -Homeowner's insurance -Automobile insurance -Liability insurance -Disability insurance -Insurance as it relates to a comprehensive financial plan  Retirement Planning: -Pension plans -Profit sharing plans -IRAs -Retirement income needs -Mentally preparing for retirement -Retirement planning as it relates to a comprehensive financial plan  Estate Planning: -Wills and letters of instruction -Types of property ownership -Trust fundamentals -Estate taxation -Estate preservation and distribution -Estate planning as it relates to a comprehensive financial plan  2. Queries and replies about the above topics are welcome, so long as it is clear that specific legal advice is not being provided.  3. Attorneys, accountants, investment counselors, insurance professionals, financial planning professionals, and other interested persons would have a forum to discuss their interrelated problems and experiences.  4. General discussion concerning the different types of investments would be welcome, however recommendations of specific stocks or investments should not be allowed.  This group could easily be cluttered with "get rich quick" schemes, and there are many other forums designed for this purpose.  5. Discussions regarding existing or proposed legislation relevant to this newsgroup would be welcome.  6. Solicitations, especially for specific financial products or services, would not be welcome.  7. To prevent possible overcrowding, *extensive* discussion in any *one* topic of tax, law, investing and insurance should be limited to the specialty newsgroup involved.  The ordering above is for convenience only and does not reflect a preference ordering among the various topics.  The Role of the Moderator ------------------------------------- 8. Although no legal relationships are created by this document, the moderator is expected to act as if he or she were in a fiduciary relationship with the participants of this newsgroup.  9.The moderator will not permit posts offering professional or other advice, services or products for remuneration.  10. The moderator will use his or her discretion to decide when discussions drift too far from the topics above, or if a participant would further benefit from posting in a specialty newsgroup, such as misc.taxes or misc.legal.   The moderator would request voluntary compliance before taking such actions and will post a notice notifying the group of any such actions.  11. The moderator is encouraged to return posts to senders, perhaps with the suggestion of a more appropriate newsgroup, if the posts are those that he or she believes more properly belong in another newsgroup.  12. The moderator will have the discretion to reject posts containing assertions about the current state of tax or other law which he or she believes are plainly inaccurate.  Any failure of the moderator to exercise this discretion does not signify the moderator's agreement with or approval of the post.  13. A committee of professionals will be established by the moderator to act as an appeals committee to consider any appeals of the moderator's rulings.  Appeals should be directed to the moderator who will pass them on to the reviewing committee.  Moderator Selection and Replacement ----------------------------------------------------  14. A moderator serves until he or she resigns. A moderator may resign at any time. A moderator is requested to give the group adequate notice in order to insure an orderly transition.  15. A moderator may designate a back-up moderator during vacation periods, as long as the group is given adequate notice.  16. A sole moderator may appoint one or more co-moderators. Moderators may share their duties in any manner mutually acceptable.  In the event that the group has multiple moderators, all references to the sole moderator in the above paragraphs shall apply to all of the moderators, collectively, if the context permits.  17. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor.  Moderators are requested to consider the opinions of readers of the group when choosing their successors.  A resigning co-moderator may, with the unanimous consent of the other moderators, choose not to appoint a successor.  END CHARTER.  MODERATOR INFO: misc.invest.financial-plan  Moderator: Susan Wasserman<[email protected]>.  I am both a Certified Public Accountant and a Chartered Financial Consultant, with 16 years of practice experience.  My resume can be viewed at http://pages.prodigy.com/cybercpa/resume.htm.  The duties of the moderator would be to uphold the charter of the group by rejecting articles that do not conform to it.  Back-up moderators: To be decided. Please contact me if interested.  Advisory Committee: To be decided. My thought is to have the committee consist of one person from each profession (ie: one estate attorney, one accountant, one insurance professional, etc.)  If interested, please contact me with your credentials.  END MODERATOR INFO.  PROCEDURE:  This is a request for a discussion, not a call for votes.  In this phase of the process, any potential problems with the proposed newsgroup should be raised and resolved.  The discussion period will continue for a minimum of 21 days (starting from when the first RFD for this proposal is posted to news.announce.newgroups), after which a Call for Votes (CFV) may be posted by a neutral vote taker if the discussion warrants it. Please do not attempt to vote until this happens.  All discussion of this proposal should be posted to news.groups.  This RFD attempts to comply fully with the Usenet newsgroup creation guidelines outlined in "How to Create a New Usenet Newsgroup" and "How to Format and Submit a New Group Proposal". Please refer to these documents (available in news.announce.newgroups) if you have any questions about the process.  DISTRIBUTION:  This RFD will be posted to the following newsgroups:  news.announce.newgroups, news.groups, misc.taxes,misc.taxes.moderated,misc.legal misc.invest,misc.invest.stocks,misc.invest.funds,misc.invest.real-estate, misc.industry.insurance  After the RFD has been officially posted, it will be reposted to the following newsgroups:  misc.invest.futures,misc.invest.technical,misc.business.consulting, misc.legal.moderated,soc.retirement,alt.business.insurance  and the following mailing lists:  [email protected] (CS Financial Services Group)       Subscribe via: info comp-serv-fs [email protected] (Prodigy's Business and Finance Mailing List)       Subscribe via: info business-finance  Proponent: Susan Wasserman <[email protected]> Mentor: Jonathan Grobe <[email protected]>  From [email protected] Wed Aug 21 22:21:56 1996 Path: uunet!bounce-back From: Susan Wasserman <[email protected]> Newsgroups: news.announce.newgroups,news.groups,misc.taxes,misc.taxes.moderated,misc.legal,misc.invest,misc.invest.stocks,misc.invest.funds,misc.invest.real-estate,misc.industry.insurance Subject: 2nd RFD: misc.invest.financial-plan moderated Followup-To: news.groups Date: 22 Aug 1996 02:21:51 -0000 Organization: . Lines: 233 Sender: [email protected] Approved: [email protected] Message-ID: <[email protected]> NNTP-Posting-Host: rodan.uu.net Archive-Name: misc.invest.financial-plan Xref: uunet news.announce.newgroups:9071 news.groups:227546 misc.taxes:58090 misc.taxes.moderated:5288 misc.legal:196273 misc.invest:146779 misc.invest.stocks:183243 misc.invest.funds:55505 misc.invest.real-estate:36978 misc.industry.insurance:2015                       REQUEST FOR DISCUSSION (RFD)               moderated group misc.invest.financial-plan  This is a formal Request For Discussion (RFD) for the creation of a world-wide Usenet newsgroup "misc.invest.financial-plan". This is not a Call for Votes (CFV); you cannot vote at this time. Procedural details are below.  CHANGES from previous RFD:  There are some changes and clarifications to the charter, incorporating the many good suggestions received.  There is also an addition of a back-up moderator.  RATIONALE: misc.invest.financial-plan  There are presently no newsgroups dedicated to the subject of financial planning, which integrates the topics of taxation,saving & investing, estate planning, retirement planning and insurance. Although very good discussion groups exist for most of these topics, there is no integration between them and the professionals involved. Since these topics are interrelated, by discussing them all in one newsgroup the readers can ask integrated questions without seeming to be out of topic or in the wrong group.  The purpose of this group will be to provide a forum where interested parties can exchange ideas, opinions, views and information as it relates to financial planning.  This group is not intended to replace the misc.tax, misc.legal, misc.industry.insurance, and the misc.invest.* newsgroups, but to complement them.  Extensive discussion on any one of the above topics should continue to be limited to the specialty newsgroup involved.  The group will be moderated, mostly to prevent advertising of financial services and financial products.  Unfortunately, Usenet has become a hot bed for "get rich quick" schemes, tax protester propaganda and other advertising.  Since there are many topics covered in this newsgroup, I believe that the "quality" of the postings should be maintained.  CHARTER: misc.invest.financial-plan  1. The newsgroup "misc.invest.financial-plan" is intended to provide for well-tempered discussions, including, but not limited to, the interrelated topics listed below:  Financial Planning:  -The financial planning process -The role of the financial planner -Financial statements -Development, implementation and review of financial plans -Software tools for planning  Taxation: - Tax planning and strategies - Current and proposed developments in tax law - Taxation as it relates to a comprehensive financial plan  Saving & Investing: -Budgetary,savings, credit and debt planning - Time value of money -Investment planning -General discussion of investment alternatives -Investment risk -Investment timing -Asset allocation -Fundamental & technical analysis -Savings and investing as related to a comprehensive financial plan  Insurance Planning: -Life insurance -Health insurance -Homeowner's insurance -Automobile insurance -Liability insurance -Disability insurance -Insurance as it relates to a comprehensive financial plan  Retirement Planning: -Pension plans -Profit sharing plans -IRAs -Retirement income needs -Mentally preparing for retirement -Medical and long term care issues -Retirement planning as it relates to a comprehensive financial plan  Estate Planning: -Wills and letters of instruction basics -Types of property ownership -Trust fundamentals -Estate taxation -Estate preservation and distribution -Estate planning as it relates to a comprehensive financial plan  2. It is never correct to crosspost or multipost and article to this newsgroup and any other newsgroup in the misc.invest.* hierarchy. This does not apply to meta-issues, such as RFDs.  3. Attorneys, accountants, investment counselors, insurance professionals, financial planning professionals, and other interested persons would have a forum to discuss their interrelated problems and experiences.  4. General discussion concerning the different types of investments would be welcome, however recommendations of specific stocks or investments should not be allowed.  This group could easily be cluttered with "get rich quick" schemes, and there are many other forums designed for this purpose.  5. Discussions regarding existing or proposed legislation relevant to this newsgroup would be welcome.  6. Solicitations, especially for specific financial products or services, would not be welcome. Commercial references in the signature lines are acceptable, as long as the body of the post makes a substantive contribution.  7. To prevent possible overcrowding, *extensive* discussion in any *one* topic of tax, law, investing and insurance should be limited to the specialty newsgroup involved.  The ordering above is for convenience only and does not reflect a preference ordering among the various topics.  The Role of the Moderator ------------------------------------- 8. The moderator will not permit posts offering professional or other advice, services or products for remuneration, except for signature lines as described in item 6.  9. The moderator will use his or her discretion to decide when discussions drift too far from the topics above, or if a participant would further benefit from posting in a specialty newsgroup, such as misc.taxes or misc.legal.   The moderator may return a post, suggesting a more appropriate newsgroup, post warnings when discussion starts to drift off-topic, and may close down discussions when they are clearly off- topic. The moderator will post a notice notifying the group of such actions.  10. The moderator will have the discretion to add editorial comments to a post that he or she feels is inaccurate. For example:    You can't contribute to an IRA if you're covered by a pension plan.    [Moderator: This is wrong and a common misconception. See the FAQ.]  Moderator Selection and Replacement ----------------------------------------------------  11. A moderator serves until he or she resigns. A moderator may resign at any time. A moderator is requested to give the group adequate notice in order to insure an orderly transition.  12. A moderator may designate a back-up moderator during vacation periods, as long as the group is given adequate notice.  13. A sole moderator may appoint one or more co-moderators. Moderators may share their duties in any manner mutually acceptable.  In the event that the group has multiple moderators, all references to the sole moderator in the above paragraphs shall apply to all of the moderators, collectively, if the context permits.  14. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor.  Moderators are requested to consider the opinions of readers of the group when choosing their successors.  A resigning co-moderator may, with the unanimous consent of the other moderators, choose not to appoint a successor.  END CHARTER.  MODERATOR INFO: misc.invest.financial-plan  Moderator: Susan Wasserman<[email protected]>. Back-up Moderator: Ted T. Roberts<[email protected]>  I am both a Certified Public Accountant and a Chartered Financial Consultant, with 16 years of practice experience.  My resume can be viewed at http://pages.prodigy.com/cybercpa/resume.htm.  Mr. Roberts is an Independent Insurance Broker/Financial Planner with over 20 years of experience. He presently moderates the Estate Planning and Insurance Planning areas of AOL, and hosts the Insurance Planning chat room on Monday nights.  The duties of the moderator would be to uphold the charter of the group by rejecting articles that do not conform to it.  END MODERATOR INFO.  PROCEDURE:  This is a request for a discussion, not a call for votes.  In this phase of the process, any potential problems with the proposed newsgroup should be raised and resolved.  The discussion period will continue for a minimum of 21 days (starting from when the first RFD for this proposal is posted to news.announce.newgroups), after which a Call for Votes (CFV) may be posted by a neutral vote taker if the discussion warrants it. Please do not attempt to vote until this happens.  All discussion of this proposal should be posted to news.groups.  This RFD attempts to comply fully with the Usenet newsgroup creation guidelines outlined in "How to Create a New Usenet Newsgroup" and "How to Format and Submit a New Group Proposal". Please refer to these documents (available in news.announce.newgroups) if you have any questions about the process.  DISTRIBUTION:  This RFD will be posted to the following newsgroups:  news.announce.newgroups, news.groups, misc.taxes,misc.taxes.moderated,misc.legal misc.invest,misc.invest.stocks,misc.invest.funds,misc.invest.real-estate, misc.industry.insurance  After the RFD has been officially posted, it will be reposted to the following newsgroups:  misc.invest.futures,misc.invest.technical,misc.legal.moderated, soc.retirement,alt.business.insurance  and the following mailing list:  [email protected] (CS Financial Services Group)       Subscribe via: info comp-serv-fs  Proponent: Susan Wasserman <[email protected]>  Mentor: Jonathan Grobe <[email protected]>  From [email protected] Mon Sep 23 16:54:19 1996 Path: uunet!bounce-back From: [email protected] (Bill Aten) Newsgroups: news.announce.newgroups,news.groups,misc.industry.insurance,misc.invest,misc.invest.funds,misc.invest.real-estate,misc.invest.stocks,misc.legal,misc.taxes,misc.taxes.moderated Subject: CFV: misc.invest.financial-plan moderated Followup-To: poster Date: 23 Sep 1996 20:54:14 -0000 Organization: Usenet Volunteer Votetakers Lines: 268 Sender: [email protected] Approved: [email protected] Expires: 15 Oct 1996 00:00:00 GMT Message-ID: <[email protected]> Reply-To: [email protected] NNTP-Posting-Host: rodan.uu.net Archive-Name: misc.invest.financial-plan Xref: uunet news.announce.newgroups:9171 news.groups:232039 misc.industry.insurance:2484 misc.invest:149810 misc.invest.funds:57418 misc.invest.real-estate:38431 misc.invest.stocks:190421 misc.legal:199380 misc.taxes:60037 misc.taxes.moderated:5758                       FIRST CALL FOR VOTES (of 2)               moderated group misc.invest.financial-plan  Newsgroups line: misc.invest.financial-plan	Financial planning in general. (Moderated)  Votes must be received by 23:59:59 UTC, 14 Oct 1996.  This vote is being conducted by a neutral third party.  Questions about the proposed group should be directed to the proponent.  Proponent: Susan Wasserman <[email protected]> Mentor: Jonathan Grobe <[email protected]> Votetaker: Bill Aten <[email protected]>  RATIONALE: misc.invest.financial-plan  There are presently no newsgroups dedicated to the subject of financial planning, which integrates the topics of taxation, saving & investing, estate planning, retirement planning and insurance. Although very good discussion groups exist for most of these topics, there is no integration between them and the professionals involved.  Since these topics are interrelated, by discussing them all in one newsgroup the readers can ask integrated questions without seeming to be out of topic or in the wrong group.  The purpose of this group will be to provide a forum where interested parties can exchange ideas, opinions, views and information as it relates to financial planning.  This group is not intended to replace the misc.tax, misc.legal, misc.industry.insurance, and the misc.invest.* newsgroups, but to complement them.  Extensive discussion on any one of the above topics should continue to be limited to the specialty newsgroup involved.  The group will be moderated, mostly to prevent advertising of financial services and financial products.  Unfortunately, Usenet has become a hot bed for "get rich quick" schemes, tax protester propaganda and other advertising.  Since there are many topics covered in this newsgroup, I believe that the "quality" of the postings should be maintained.  CHARTER: misc.invest.financial-plan  1. The newsgroup "misc.invest.financial-plan" is intended to provide for well-tempered discussions, including, but not limited to, the interrelated topics listed below:    FINANCIAL PLANNING    - The financial planning process    - The role of the financial planner    - Financial statements    - Development, implementation and review of financial plans    - Software tools for planning   TAXATION    - Tax planning and strategies    - Current and proposed developments in tax law    - Taxation as it relates to a comprehensive financial plan   SAVING & INVESTING    - Budgetary,savings, credit and debt planning    - Time value of money    - Investment planning    - General discussion of investment alternatives    - Investment risk    - Investment timing    - Asset allocation    - Fundamental & technical analysis    - Savings and investing as related to a comprehensive financial plan   INSURANCE PLANNING    - Life insurance    - Health insurance    - Homeowner's insurance    - Automobile insurance    - Liability insurance    - Disability insurance    - Insurance as it relates to a comprehensive financial plan   RETIREMENT PLANNING    - Pension plans    - Profit sharing plans    - IRAs    - Retirement income needs    - Mentally preparing for retirement    - Medical and long term care issues    - Retirement planning as it relates to a comprehensive financial plan   ESTATE PLANNING    - Wills and letters of instruction basics    - Types of property ownership    - Trust fundamentals    - Estate taxation    - Estate preservation and distribution    - Estate planning as it relates to a comprehensive financial plan  2. It is never correct to crosspost or multipost and article to this newsgroup and any other newsgroup in the misc.invest.* hierarchy. This does not apply to meta-issues, such as RFDs.  3. Attorneys, accountants, investment counselors, insurance professionals, financial planning professionals, and other interested persons would have a forum to discuss their interrelated problems and experiences.  4. General discussion concerning the different types of investments would be welcome, however recommendations of specific stocks or investments should not be allowed.  This group could easily be cluttered with "get rich quick" schemes, and there are many other forums designed for this purpose.  5. Discussions regarding existing or proposed legislation relevant to this newsgroup would be welcome.  6. Solicitations, especially for specific financial products or services, would not be welcome. Commercial references in the signature lines are acceptable, as long as the body of the post makes a substantive contribution.  7. To prevent possible overcrowding, *extensive* discussion in any *one* topic of tax, law, investing and insurance should be limited to the specialty newsgroup involved.  The ordering above is for convenience only and does not reflect a preference ordering among the various topics.  The Role of the Moderator ------------------------------------- 8. The moderator will not permit posts offering professional or other advice, services or products for remuneration, except for signature lines as described in item 6.  9. The moderator will use his or her discretion to decide when discussions drift too far from the topics above, or if a participant would further benefit from posting in a specialty newsgroup, such as misc.taxes or misc.legal.   The moderator may return a post, suggesting a more appropriate newsgroup, post warnings when discussion starts to drift off-topic, and may close down discussions when they are clearly off- topic. The moderator will post a notice notifying the group of such actions.  10. The moderator will have the discretion to add editorial comments to a post that he or she feels is inaccurate. For example:    You can't contribute to an IRA if you're covered by a pension plan.    [Moderator: This is wrong and a common misconception. See the FAQ.]  Moderator Selection and Replacement ----------------------------------------------------  11. A moderator serves until he or she resigns. A moderator may resign at any time. A moderator is requested to give the group adequate notice in order to insure an orderly transition.  12. A moderator may designate a back-up moderator during vacation periods, as long as the group is given adequate notice.  13. A sole moderator may appoint one or more co-moderators. Moderators may share their duties in any manner mutually acceptable.  In the event that the group has multiple moderators, all references to the sole moderator in the above paragraphs shall apply to all of the moderators, collectively, if the context permits.  14. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor.  Moderators are requested to consider the opinions of readers of the group when choosing their successors.  A resigning co-moderator may, with the unanimous consent of the other moderators, choose not to appoint a successor.  END CHARTER.  MODERATOR INFO: misc.invest.financial-plan  Moderator: Susan Wasserman <[email protected]> Administrative contact address: [email protected] Article submission address: [email protected]  END MODERATOR INFO.  HOW TO VOTE:  Extract the ballot from the CFV by deleting everything before and after the "BEGINNING OF BALLOT" and "END OF BALLOT" lines.  Don't worry about the spacing of the columns or any quote characters (">") that your reply inserts.  PLEASE, do not send the entire CFV back to me as this mail is archived.  Mark the ballot and then MAIL it to: <[email protected]> Just "replying" to this message should work, but check the "To:" line.  In order to properly record your vote, please provide your REAL NAME and indicate your desired vote in the appropriate locations inside the ballot.  Examples of how to properly indicate your vote:       [ YES     ]  example.yes.vote      [ NO      ]  example.no.vote      [ ABSTAIN ]  example.abstention      [ CANCEL  ]  example.cancellation                           *** PLEASE *** DO NOT alter, modify, or delete any other information in this ballot! If you do, the voting software will probably reject your vote.   ===== BEGINNING OF BALLOT: Delete everything BEFORE this line ===== ------------------------------------------------------------------- misc.invest.financial-plan Ballot  (Do not remove this marker!) ------------------------------------------------------------------- Please provide your real name, or your vote may be rejected.  Place ONLY your name (ie. do NOT include your e-mail address or any other information; ONLY your name) on the next line beside "Voter name:". Voter name: ------------------------------------------------------------------- Insert YES, NO, ABSTAIN, or CANCEL inside the brackets for each newsgroup listed below (do not delete the newsgroup name):   Your Vote   Newsgroup  ---------   --------- [         ]  misc.invest.financial-plan (moderated) ------------------------------------------------------------------- ===== END OF BALLOT: Delete everything AFTER this line ============   IMPORTANT VOTING PROCEDURE NOTES:  Standard Guidelines for voting apply.  Only one vote per person, no more than one vote per account.  Votes must be mailed directly from the voter to the votetaker.  Anonymous, forwarded, or proxy votes are not valid.  Votes mailed by WWW/HTML/CGI forms are considered to be anonymous votes.  Vote counting is automated.  Failure to follow these directions may mean that your vote does not get counted.  If you do not receive an acknowledgment of your vote within three days, contact the votetaker about the problem.  It's your responsibility to make sure your vote is registered correctly.  Duplicate votes are resolved in favor of the most recent valid vote.  Names, addresses, and votes of all voters will be published in the final voting results post.  DO NOT redistribute this CFV in any manner whatsoever.  The purpose of a Usenet vote is to determine the genuine interest of persons who would read a proposed newsgroup.  Soliciting votes from disinterested parties defeats this purpose.  Only the votetaker, the news.announce.newgroups moderator, and the proponent (if specifically authorized by the votetaker) are permitted to distribute copies of this CFV.  Distribution of pre-marked or otherwise modified copies of this CFV is generally considered voting fraud and should be reported immediately to the votetaker or the UVV <[email protected]>.  In cases where voting fraud is determined to have occurred, it is standard operating procedure to delete ALL votes submitted by the violator.  When in doubt, ask the votetaker.  DISTRIBUTION:  The only official sources for copies of this CFV are the locations listed below and the votetaker's e-mail CFV server which can be reached at <[email protected]>.  This CFV has been cross-posted to:   news.announce.newgroups, news.groups, misc.industry.insurance,   misc.invest, misc.invest.funds, misc.invest.real-estate,   misc.invest.stocks, misc.legal, misc.taxes, misc.taxes.moderated  The 1st CFV will also appear on the following mailing list:          Compuserve Financial Services Group            Submission address: [email protected]            Request address: [email protected]  From [email protected] Thu Oct  3 08:30:41 1996 Path: uunet!bounce-back From: [email protected] (Bill Aten) Newsgroups: news.announce.newgroups,news.groups,misc.industry.insurance,misc.invest,misc.invest.funds,misc.invest.real-estate,misc.invest.stocks,misc.legal,misc.taxes,misc.taxes.moderated Subject: 2nd CFV: misc.invest.financial-plan moderated Supersedes: <[email protected]> Followup-To: poster Date: 3 Oct 1996 12:30:32 -0000 Organization: Usenet Volunteer Votetakers Lines: 273 Sender: [email protected] Approved: [email protected] Expires: 15 Oct 1996 00:00:00 GMT Message-ID: <[email protected]> References: <[email protected]> Reply-To: [email protected] NNTP-Posting-Host: rodan.uu.net Archive-Name: misc.invest.financial-plan Xref: uunet news.announce.newgroups:9224 news.groups:233560 misc.industry.insurance:2541 misc.invest:150628 misc.invest.funds:57879 misc.invest.real-estate:38835 misc.invest.stocks:192657 misc.legal:200552 misc.taxes:60474 misc.taxes.moderated:5881                        LAST CALL FOR VOTES (of 2)               moderated group misc.invest.financial-plan  Newsgroups line: misc.invest.financial-plan	Financial planning in general. (Moderated)  Votes must be received by 23:59:59 UTC, 14 Oct 1996.  This vote is being conducted by a neutral third party.  Questions about the proposed group should be directed to the proponent.  Proponent: Susan Wasserman <[email protected]> Mentor: Jonathan Grobe <[email protected]> Votetaker: Bill Aten <[email protected]>  RATIONALE: misc.invest.financial-plan  There are presently no newsgroups dedicated to the subject of financial planning, which integrates the topics of taxation, saving & investing, estate planning, retirement planning and insurance. Although very good discussion groups exist for most of these topics, there is no integration between them and the professionals involved.  Since these topics are interrelated, by discussing them all in one newsgroup the readers can ask integrated questions without seeming to be out of topic or in the wrong group.  The purpose of this group will be to provide a forum where interested parties can exchange ideas, opinions, views and information as it relates to financial planning.  This group is not intended to replace the misc.tax, misc.legal, misc.industry.insurance, and the misc.invest.* newsgroups, but to complement them.  Extensive discussion on any one of the above topics should continue to be limited to the specialty newsgroup involved.  The group will be moderated, mostly to prevent advertising of financial services and financial products.  Unfortunately, Usenet has become a hot bed for "get rich quick" schemes, tax protester propaganda and other advertising.  Since there are many topics covered in this newsgroup, I believe that the "quality" of the postings should be maintained.  CHARTER: misc.invest.financial-plan  1. The newsgroup "misc.invest.financial-plan" is intended to provide for well-tempered discussions, including, but not limited to, the interrelated topics listed below:    FINANCIAL PLANNING    - The financial planning process    - The role of the financial planner    - Financial statements    - Development, implementation and review of financial plans    - Software tools for planning   TAXATION    - Tax planning and strategies    - Current and proposed developments in tax law    - Taxation as it relates to a comprehensive financial plan   SAVING & INVESTING    - Budgetary,savings, credit and debt planning    - Time value of money    - Investment planning    - General discussion of investment alternatives    - Investment risk    - Investment timing    - Asset allocation    - Fundamental & technical analysis    - Savings and investing as related to a comprehensive financial plan   INSURANCE PLANNING    - Life insurance    - Health insurance    - Homeowner's insurance    - Automobile insurance    - Liability insurance    - Disability insurance    - Insurance as it relates to a comprehensive financial plan   RETIREMENT PLANNING    - Pension plans    - Profit sharing plans    - IRAs    - Retirement income needs    - Mentally preparing for retirement    - Medical and long term care issues    - Retirement planning as it relates to a comprehensive financial plan   ESTATE PLANNING    - Wills and letters of instruction basics    - Types of property ownership    - Trust fundamentals    - Estate taxation    - Estate preservation and distribution    - Estate planning as it relates to a comprehensive financial plan  2. It is never correct to crosspost or multipost and article to this newsgroup and any other newsgroup in the misc.invest.* hierarchy. This does not apply to meta-issues, such as RFDs.  3. Attorneys, accountants, investment counselors, insurance professionals, financial planning professionals, and other interested persons would have a forum to discuss their interrelated problems and experiences.  4. General discussion concerning the different types of investments would be welcome, however recommendations of specific stocks or investments should not be allowed.  This group could easily be cluttered with "get rich quick" schemes, and there are many other forums designed for this purpose.  5. Discussions regarding existing or proposed legislation relevant to this newsgroup would be welcome.  6. Solicitations, especially for specific financial products or services, would not be welcome. Commercial references in the signature lines are acceptable, as long as the body of the post makes a substantive contribution.  7. To prevent possible overcrowding, *extensive* discussion in any *one* topic of tax, law, investing and insurance should be limited to the specialty newsgroup involved.  The ordering above is for convenience only and does not reflect a preference ordering among the various topics.  The Role of the Moderator ------------------------------------- 8. The moderator will not permit posts offering professional or other advice, services or products for remuneration, except for signature lines as described in item 6.  9. The moderator will use his or her discretion to decide when discussions drift too far from the topics above, or if a participant would further benefit from posting in a specialty newsgroup, such as misc.taxes or misc.legal.   The moderator may return a post, suggesting a more appropriate newsgroup, post warnings when discussion starts to drift off-topic, and may close down discussions when they are clearly off- topic. The moderator will post a notice notifying the group of such actions.  10. The moderator will have the discretion to add editorial comments to a post that he or she feels is inaccurate. For example:    You can't contribute to an IRA if you're covered by a pension plan.    [Moderator: This is wrong and a common misconception. See the FAQ.]  Moderator Selection and Replacement ----------------------------------------------------  11. A moderator serves until he or she resigns. A moderator may resign at any time. A moderator is requested to give the group adequate notice in order to insure an orderly transition.  12. A moderator may designate a back-up moderator during vacation periods, as long as the group is given adequate notice.  13. A sole moderator may appoint one or more co-moderators. Moderators may share their duties in any manner mutually acceptable.  In the event that the group has multiple moderators, all references to the sole moderator in the above paragraphs shall apply to all of the moderators, collectively, if the context permits.  14. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor.  Moderators are requested to consider the opinions of readers of the group when choosing their successors.  A resigning co-moderator may, with the unanimous consent of the other moderators, choose not to appoint a successor.  END CHARTER.  MODERATOR INFO: misc.invest.financial-plan  Moderator: Susan Wasserman <[email protected]> Administrative contact address: [email protected] Article submission address: [email protected]  END MODERATOR INFO.  HOW TO VOTE:  Extract the ballot from the CFV by deleting everything before and after the "BEGINNING OF BALLOT" and "END OF BALLOT" lines.  Don't worry about the spacing of the columns or any quote characters (">") that your reply inserts.  PLEASE, do not send the entire CFV back to me as this mail is archived.  Mark the ballot and then MAIL it to: <[email protected]> Just "replying" to this message should work, but check the "To:" line.  In order to properly record your vote, please provide your REAL NAME and indicate your desired vote in the appropriate locations inside the ballot.  Examples of how to properly indicate your vote:       [ YES     ]  example.yes.vote      [ NO      ]  example.no.vote      [ ABSTAIN ]  example.abstention      [ CANCEL  ]  example.cancellation                           *** PLEASE *** DO NOT alter, modify, or delete any other information in this ballot! If you do, the voting software will probably reject your vote.   ===== BEGINNING OF BALLOT: Delete everything BEFORE this line ===== ------------------------------------------------------------------- misc.invest.financial-plan Ballot  (Do not remove this marker!) ------------------------------------------------------------------- Please provide your real name, or your vote may be rejected.  Place ONLY your name (ie. do NOT include your e-mail address or any other information; ONLY your name) on the next line beside "Voter name:". Voter name: ------------------------------------------------------------------- Insert YES, NO, ABSTAIN, or CANCEL inside the brackets for each newsgroup listed below (do not delete the newsgroup name):   Your Vote   Newsgroup  ---------   --------- [         ]  misc.invest.financial-plan (moderated) ------------------------------------------------------------------- ===== END OF BALLOT: Delete everything AFTER this line ============   IMPORTANT VOTING PROCEDURE NOTES:  Standard Guidelines for voting apply.  Only one vote per person, no more than one vote per account.  Votes must be mailed directly from the voter to the votetaker.  Anonymous, forwarded, or proxy votes are not valid.  Votes mailed by WWW/HTML/CGI forms are considered to be anonymous votes.  Vote counting is automated.  Failure to follow these directions may mean that your vote does not get counted.  If you do not receive an acknowledgment of your vote within three days, contact the votetaker about the problem.  It's your responsibility to make sure your vote is registered correctly.  Duplicate votes are resolved in favor of the most recent valid vote.  Names, addresses, and votes of all voters will be published in the final voting results post.  DO NOT redistribute this CFV in any manner whatsoever.  The purpose of a Usenet vote is to determine the genuine interest of persons who would read a proposed newsgroup.  Soliciting votes from disinterested parties defeats this purpose.  Only the votetaker, the news.announce.newgroups moderator, and the proponent (if specifically authorized by the votetaker) are permitted to distribute copies of this CFV.  Distribution of pre-marked or otherwise modified copies of this CFV is generally considered voting fraud and should be reported immediately to the votetaker or the UVV <[email protected]>.  In cases where voting fraud is determined to have occurred, it is standard operating procedure to delete ALL votes submitted by the violator.  When in doubt, ask the votetaker.  DISTRIBUTION:  The only official sources for copies of this CFV are the locations listed below and the votetaker's e-mail CFV server which can be reached at <[email protected]>.  This CFV has been cross-posted to:   news.announce.newgroups, news.groups, misc.industry.insurance,   misc.invest, misc.invest.funds, misc.invest.real-estate,   misc.invest.stocks, misc.legal, misc.taxes, misc.taxes.moderated  The 1st CFV will also appear on the following mailing list:          Compuserve Financial Services Group            Submission address: [email protected]            Request address: [email protected]  misc.invest.financial-plan Bounce List (No need to revote) ------------------------------------------------------------------------------ [email protected]                                                         Pete S  From [email protected] Thu Oct 17 23:23:45 1996 Path: uunet!bounce-back From: [email protected] (Bill Aten) Newsgroups: news.announce.newgroups,news.groups,misc.industry.insurance,misc.invest,misc.invest.funds,misc.invest.real-estate,misc.invest.stocks,misc.legal,misc.taxes,misc.taxes.moderated Subject: RESULT: misc.invest.financial-plan moderated passes 131:22 Supersedes: <[email protected]> Followup-To: news.groups Date: 17 Oct 1996 23:23:39 -0400 Organization: Usenet Volunteer Votetakers Lines: 372 Sender: [email protected] Approved: [email protected] Message-ID: <[email protected]> References: <[email protected]> <[email protected]> NNTP-Posting-Host: rodan.uu.net Archive-Name: misc.invest.financial-plan Xref: uunet news.announce.newgroups:9285 news.groups:235456 misc.industry.insurance:2642 misc.invest:151723 misc.invest.funds:58378 misc.invest.real-estate:39436 misc.invest.stocks:195811 misc.legal:202452 misc.taxes:61145 misc.taxes.moderated:6121                                  RESULT        moderated group misc.invest.financial-plan passes 131:22  Voting closed at 23:59:59 UTC, 14 Oct 1996.  This vote was conducted by a neutral third party.  Questions about the proposed group should be directed to the proponent.  Proponent: Susan Wasserman <[email protected]> Mentor: Jonathan Grobe <[email protected]> Votetaker: Bill Aten <[email protected]>  There were 153 valid votes submitted during the voting period.  Each proposed newsgroup, in order to pass, must have at least 2/3 YES votes and at least 100 more YES than NO votes.  The results are as follows:  misc.invest.financial-plan results - 153 valid votes   Yes   No : 2/3? >100? : Pass? : Group ---- ---- : ---- ----- : ----- : -------------------------------------------  131   22 :  Yes   Yes :   Yes : misc.invest.financial-plan (moderated)    4 invalid votes  The proposal passed.  There is a five day discussion period after these results are posted.  If no serious and significant allegations of voting irregularities are raised, the moderator of news.announce.newgroups will create the newsgroup shortly thereafter.  The remainder of the RESULT contains:    Newsgroups Line    Rationale    Charter    Moderator Info    Final Voting Acknowledgements  NEWSGROUPS LINE: misc.invest.financial-plan	Financial planning in general. (Moderated)  RATIONALE: misc.invest.financial-plan  There are presently no newsgroups dedicated to the subject of financial planning, which integrates the topics of taxation, saving & investing, estate planning, retirement planning and insurance. Although very good discussion groups exist for most of these topics, there is no integration between them and the professionals involved.  Since these topics are interrelated, by discussing them all in one newsgroup the readers can ask integrated questions without seeming to be out of topic or in the wrong group.  The purpose of this group will be to provide a forum where interested parties can exchange ideas, opinions, views and information as it relates to financial planning.  This group is not intended to replace the misc.tax, misc.legal, misc.industry.insurance, and the misc.invest.* newsgroups, but to complement them.  Extensive discussion on any one of the above topics should continue to be limited to the specialty newsgroup involved.  The group will be moderated, mostly to prevent advertising of financial services and financial products.  Unfortunately, Usenet has become a hot bed for "get rich quick" schemes, tax protester propaganda and other advertising.  Since there are many topics covered in this newsgroup, I believe that the "quality" of the postings should be maintained.  CHARTER: misc.invest.financial-plan  1. The newsgroup "misc.invest.financial-plan" is intended to provide for well-tempered discussions, including, but not limited to, the interrelated topics listed below:    FINANCIAL PLANNING    - The financial planning process    - The role of the financial planner    - Financial statements    - Development, implementation and review of financial plans    - Software tools for planning   TAXATION    - Tax planning and strategies    - Current and proposed developments in tax law    - Taxation as it relates to a comprehensive financial plan   SAVING & INVESTING    - Budgetary,savings, credit and debt planning    - Time value of money    - Investment planning    - General discussion of investment alternatives    - Investment risk    - Investment timing    - Asset allocation    - Fundamental & technical analysis    - Savings and investing as related to a comprehensive financial plan   INSURANCE PLANNING    - Life insurance    - Health insurance    - Homeowner's insurance    - Automobile insurance    - Liability insurance    - Disability insurance    - Insurance as it relates to a comprehensive financial plan   RETIREMENT PLANNING    - Pension plans    - Profit sharing plans    - IRAs    - Retirement income needs    - Mentally preparing for retirement    - Medical and long term care issues    - Retirement planning as it relates to a comprehensive financial plan   ESTATE PLANNING    - Wills and letters of instruction basics    - Types of property ownership    - Trust fundamentals    - Estate taxation    - Estate preservation and distribution    - Estate planning as it relates to a comprehensive financial plan  2. It is never correct to crosspost or multipost and article to this newsgroup and any other newsgroup in the misc.invest.* hierarchy. This does not apply to meta-issues, such as RFDs.  3. Attorneys, accountants, investment counselors, insurance professionals, financial planning professionals, and other interested persons would have a forum to discuss their interrelated problems and experiences.  4. General discussion concerning the different types of investments would be welcome, however recommendations of specific stocks or investments should not be allowed.  This group could easily be cluttered with "get rich quick" schemes, and there are many other forums designed for this purpose.  5. Discussions regarding existing or proposed legislation relevant to this newsgroup would be welcome.  6. Solicitations, especially for specific financial products or services, would not be welcome. Commercial references in the signature lines are acceptable, as long as the body of the post makes a substantive contribution.  7. To prevent possible overcrowding, *extensive* discussion in any *one* topic of tax, law, investing and insurance should be limited to the specialty newsgroup involved.  The ordering above is for convenience only and does not reflect a preference ordering among the various topics.  The Role of the Moderator ------------------------------------- 8. The moderator will not permit posts offering professional or other advice, services or products for remuneration, except for signature lines as described in item 6.  9. The moderator will use his or her discretion to decide when discussions drift too far from the topics above, or if a participant would further benefit from posting in a specialty newsgroup, such as misc.taxes or misc.legal.   The moderator may return a post, suggesting a more appropriate newsgroup, post warnings when discussion starts to drift off-topic, and may close down discussions when they are clearly off- topic. The moderator will post a notice notifying the group of such actions.  10. The moderator will have the discretion to add editorial comments to a post that he or she feels is inaccurate. For example:    You can't contribute to an IRA if you're covered by a pension plan.    [Moderator: This is wrong and a common misconception. See the FAQ.]  Moderator Selection and Replacement ----------------------------------------------------  11. A moderator serves until he or she resigns. A moderator may resign at any time. A moderator is requested to give the group adequate notice in order to insure an orderly transition.  12. A moderator may designate a back-up moderator during vacation periods, as long as the group is given adequate notice.  13. A sole moderator may appoint one or more co-moderators. Moderators may share their duties in any manner mutually acceptable.  In the event that the group has multiple moderators, all references to the sole moderator in the above paragraphs shall apply to all of the moderators, collectively, if the context permits.  14. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor.  Moderators are requested to consider the opinions of readers of the group when choosing their successors.  A resigning co-moderator may, with the unanimous consent of the other moderators, choose not to appoint a successor.  END CHARTER.  MODERATOR INFO: misc.invest.financial-plan  Moderator: Susan Wasserman <[email protected]> Administrative contact address: [email protected] Article submission address: [email protected]  END MODERATOR INFO.  FINAL VOTING ACKNOWLEDGEMENTS:  misc.invest.financial-plan Final Vote Ack                                      misc.invest.financial-plan (moderated) ---+                                                                              | [email protected]                                                 Andrew Hall Y [email protected]                                              Alan J. DeVilbiss Y [email protected]                              Alexandr Tarasinsky Y [email protected]                                                Alvin Foreman Y [email protected]                                      Andrew Nichols Y [email protected]                                               Andy Latto Y [email protected]                                        William Lee Roberts Y [email protected]                                       Stephanie da Silva Y [email protected]                                  Arlie J. Proctor Y [email protected]                                                  Al Schmitt Y [email protected]                                                Arthur Wouk Y [email protected]                                               Ajit Balakrishna Y [email protected]                                              James Moore Y [email protected]                                                brent byer N [email protected]                                       Richard Bigelow Y [email protected]                                  Dan "Shag" Birchall Y [email protected]                                                 Barry Jaspan Y [email protected]                                            Brian J. Larkin Y [email protected]                                           Martin H. Booda N [email protected]                                              Barbara Palumbo Y [email protected]                                             Bret Koesser Y [email protected]                                               Brian Jeffries Y [email protected]                                       Charles Cilek Y [email protected]                                           clyde harris Y [email protected]                                             Charles Mullally Y [email protected]                                                     TONY BELLO Y [email protected]                                         Charles Weinstein Y [email protected]                                            Glenn Cole Y [email protected]                                             Michiel Wijers N [email protected]                                            Cynthia Sundell Y [email protected]                                            Carla Van Bennekom Y [email protected]                                  Susan Wasserman Y [email protected]                                       Dan L. Pierson Y [email protected]                                          Don Priebe Y [email protected]                                        David W. Crawford Y [email protected]                                                     Don Hankins Y [email protected]                                       Dr.Dimitri Vulis KOTM Y [email protected]                                          Dennis M. Maurer Y [email protected]                                                Denis McKeon Y [email protected]                                              Don Kiely N [email protected]                                               David Lohnes Y [email protected]                                                       Ryan N [email protected]                                           Dave Roberts Y [email protected]                                               Dave Wiseman Y [email protected]                                            Liz Albrook Y [email protected]                                                  Earl Hall Y [email protected]                                              Eve M. Behr Y [email protected]                                      Barb Jensen Y [email protected]                                           Edward M. Manigault Y [email protected]                                       Felix J Rodriguez Y [email protected]                                             Jim Ford Y [email protected]                            George Foster Y [email protected]                                         Frank S. Duke, Jr. Y [email protected]                                                 Mark D'Sa Y [email protected]                                   George Papadopoulos Y [email protected]                                                Dick Grady Y [email protected]                                                Gorm Haug Eriksen Y [email protected]                                       Darryl Hannon Y [email protected]                                        Helen O'Planick, EA Y [email protected]                                          Warren Hentrich Y [email protected]                                                        huug N [email protected]                                         H.W. "Skip" Weldon Y [email protected]                                              Igor Chudov Y [email protected]                                              Ilana Stern Y [email protected]                                                 John Henry Wyckoff Y [email protected]                                        Jack Rhondeau  Y [email protected]                                                John David Galt Y [email protected]                               Jeffrey L. Harris, CFP Y [email protected]                                             Jeff Smith Y [email protected]                                                  Jim Miner Y [email protected]                                            Jay Schonberger Y [email protected]                                                       John Gerits Y [email protected]                                                      Jim McGrath Y [email protected]                                                Jim Lowman N [email protected]                                              John Noble Y [email protected]                                         Jo Spackman Y [email protected]                                       Johan Schadee Y [email protected]                                             Kirk Beitz N [email protected]                                       James Parker Y [email protected]                                       J. Porter Clark Y [email protected]                                             Jules Dubois Y [email protected]                                                Kent Hopkins Y [email protected]                                                Kim DeVaughn Y [email protected]                                        George Kimeldorf Y [email protected]                                              Steve Krause Y [email protected]                                             Joerg Weber N [email protected]                                                 Diane Tomkins Y [email protected]                                    Lee Choquette Y [email protected]                                               Susan Luntz Y [email protected]                                                  Peter Lurie Y [email protected]                                              David Neal Y [email protected]                                       Mark J. Welch Y [email protected]                                  Michel C. Charat Y [email protected]                              L. Merrill Palmer Y [email protected]                                               Marion E. Shore Y [email protected]                                               Michael Sullivan Y [email protected]                                                Steven Miale Y [email protected]                                   Michael Jenson Y [email protected]                                                  Michael Cain Y [email protected]                                      Michelle Murrain Y [email protected]                               Mustafa Soysal MS57 N [email protected]                                         Michael T Pins N [email protected]                                     Christian Weisgerber N [email protected]                                              Wayne Nehrenz Y [email protected]                                               Nick Waterman N [email protected]                                           Olav Nieuwejaar N [email protected]                                              John L. Olsen Y [email protected]                                         Patrick J. LoPresti N [email protected]                                              Trevor Tymchuk Y [email protected]                                              Barry Perlman Y [email protected]                                                 PRADIP JHA Y [email protected]                                          Paul Manly Y [email protected]                                       Phillip W. Statler, EA Y [email protected]                                       Paul R. Wolaver Y [email protected]                                       Fred Wasserman III Y [email protected]                                        Belete Muturo Y [email protected]                                   gopal ganapathiraju N [email protected]                                    Rona Crystal Y [email protected]                                               Rob Curran Y [email protected]                               Richard D. Adams, CPA Y [email protected]                                            Yagnesh Mehta Y [email protected]                                           Reid Hayhow Y [email protected]                                           Rob Barton Y [email protected]                                              Richard Miller N [email protected]                                          Rich Carreiro Y [email protected]                                                Richard Mandel Y [email protected]                                       margaret vaughn Y [email protected]                                                      Clyde Roby Y [email protected]                                           Roger Smith Y [email protected]                                          Ronnie Grant Y [email protected]                                            R.C. Russo Y [email protected]                                Robert Dell'Aquila Y [email protected]                               Alexander Semenov N [email protected]                                       S. Bhattacharyya Y [email protected]                           Georg Schwarz Y [email protected]                                                    Shrisha Rao N [email protected]                                                Mike Koeniger Y [email protected]                                            Jeanne Morgan Y [email protected]                   SHANKAR PRASAD VENKOBA-RAO Y [email protected]                                                Dwight Brown N [email protected]                                               CHRIS STAMPER Y [email protected]                                                    STella N [email protected]                                                       Pete S Y [email protected]                                          stephen edlin Y [email protected]                               Susan M. Kennedy Y [email protected]                                            John H. Fisher Y [email protected]                                           Thomas S. Bray Y [email protected]                                Troy Shahoumian Y [email protected]                                                  Vivek Pai N [email protected]                                             Larry Wingo Y [email protected]                                           Jay Winkler Y [email protected]                                         Bill McClain Y [email protected]                                               Ned Fleming Y   Votes in error ------------------------------------------------------------------------------ [email protected]    ! No name given [email protected]    ! No name given [email protected]                                           SHELDON H KOZEL    ! No ballot [email protected]                                                Bill Clinton    ! Bogus name