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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
<MIF-P-0001> (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
<MIF-P-0002> (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
csundel@emory.edu                                            Cynthia Sundell Y
cvanben@bu.edu                                            Carla Van Bennekom Y
cybercpa@mail.pcsonline.com                                  Susan Wasserman Y
dan@cthulhu.control.com                                       Dan L. Pierson Y
dapriebe@mailbox.syr.edu                                          Don Priebe Y
david@U.Arizona.EDU                                        David W. Crawford Y
deh@cray.com                                                     Don Hankins Y
dlv@bwalk.dm.com                                       Dr.Dimitri Vulis KOTM Y
dmaurer@netcom.com                                          Dennis M. Maurer Y
dmckeon@swcp.com                                                Denis McKeon Y
donkiely@polarnet.com                                              Don Kiely N
DPLohnes@cris.com                                               David Lohnes Y
draziw@draziw.com                                                       Ryan N
droberts@gulfaero.com                                           Dave Roberts Y
dwiseman@erim.org                                               Dave Wiseman Y
ealbrook@lewiston.com                                            Liz Albrook Y
earl@wolfenet.com                                                  Earl Hall Y
ebehr@internode.net                                              Eve M. Behr Y
ed175@cleveland.Freenet.Edu                                      Barb Jensen Y
edm@edslaw.com                                           Edward M. Manigault Y
felixrod@digital.net                                       Felix J Rodriguez Y
ford@creative-asset.com                                             Jim Ford Y
FOSTER.GEORGE@igate.pprd.abbott.com                            George Foster Y
fsdukejr@fuse.net                                         Frank S. Duke, Jr. Y
gitansa@accent.net                                                 Mark D'Sa Y
gpapadop@ix.netcom.com                                   George Papadopoulos Y
grady@grady.mv.com                                                Dick Grady Y
happy@sn.no                                                Gorm Haug Eriksen Y
hautdens@caller.infi.net                                       Darryl Hannon Y
HELJANgal@aol.com                                        Helen O'Planick, EA Y
hentrich@lucent.com                                          Warren Hentrich Y
huug@telebyte.nl                                                        huug N
hww@ix.netcom.com                                         H.W. "Skip" Weldon Y
ichudov@algebra.com                                              Igor Chudov Y
ilana@ncar.ucar.edu                                              Ilana Stern Y
j@jhw.com                                                 John Henry Wyckoff Y
jackr722@ix.netcom.com                                        Jack Rhondeau  Y
jdg@rahul.net                                                John David Galt Y
Jeff.H@worldnet.att.net                               Jeffrey L. Harris, CFP Y
jeffs@msc.cornell.edu                                             Jeff Smith Y
jfm@winternet.com                                                  Jim Miner Y
jfschon@hicom.net                                            Jay Schonberger Y
jg@bart.nl                                                       John Gerits Y
jimm@hi.com                                                      Jim McGrath Y
jlowman@netcom.com                                                Jim Lowman N
jnoble@DGS.dgsys.com                                              John Noble Y
jo.spackman@zetnet.co.uk                                         Jo Spackman Y
Johan.Schadee@alcatel.no                                       Johan Schadee Y
johndoe@world.std.com                                             Kirk Beitz N
jparker@saturn.planet.net                                       James Parker Y
jpc@drum.msfc.nasa.gov                                       J. Porter Clark Y
julesd@fwb.gulf.net                                             Jules Dubois Y
khopkins@wwc.net                                                Kent Hopkins Y
kimdv@netcom.com                                                Kim DeVaughn Y
kmldorf@utdallas.edu                                        George Kimeldorf Y
krauster@quake.net                                              Steve Krause Y
kufi@moskito.ruhr.de                                             Joerg Weber N
ladydi@crl.com                                                 Diane Tomkins Y
Lee.Choquette@m.cc.utah.edu                                    Lee Choquette Y
luntz@fredonia.edu                                               Susan Luntz Y
luriep@tiac.net                                                  Peter Lurie Y
madams@gnuplanet.com                                              David Neal Y
markwelch@ca-probate.com                                       Mark J. Welch Y
mcharat@ix11.ix.netcom.com                                  Michel C. Charat Y
Merrill.Palmer@GDEsystems.COM                              L. Merrill Palmer Y
mes@iquest.net                                               Marion E. Shore Y
mes@panix.com                                               Michael Sullivan Y
miale@kesmai.com                                                Steven Miale Y
michael@sawtooth.ES.HAC.COM                                   Michael Jenson Y
MMCain@aol.com                                                  Michael Cain Y
mmurrain@hampshire.edu                                      Michelle Murrain Y
msoysal@mistik.express.net                               Mustafa Soysal MS57 N
mtpins@isca.uiowa.edu                                         Michael T Pins N
naddy@mips.pfalz.de                                     Christian Weisgerber N
nehrenz@erols.com                                              Wayne Nehrenz Y
nick@cimio.co.uk                                               Nick Waterman N
olav@viking.mv.com                                           Olav Nieuwejaar N
olsenfin@ebal.com                                              John L. Olsen Y
patl@lcs.mit.edu                                         Patrick J. LoPresti N
paxil@cancom.net                                              Trevor Tymchuk Y
perlman@think.com                                              Barry Perlman Y
pjha@vnet.ibm.com                                                 PRADIP JHA Y
pmanly@tincan.tincan.org                                          Paul Manly Y
pstatler@ct.net                                       Phillip W. Statler, EA Y
pwolaver@ix.netcom.com                                       Paul R. Wolaver Y
QCLD95B@prodigy.com                                       Fred Wasserman III Y
R2BKM@VM1.CC.UAKRON.EDU                                        Belete Muturo Y
ramana@ecf.toronto.edu                                   gopal ganapathiraju N
rcrystal@dri.mcgraw-hill.com                                    Rona Crystal Y
rcurran@halcyon.com                                               Rob Curran Y
rdadams@access.digex.net                               Richard D. Adams, CPA Y
ren1999@rencorp.com                                            Yagnesh Mehta Y
rhayhow@acpub.duke.edu                                           Reid Hayhow Y
rhbarton@concentric.net                                           Rob Barton Y
rick@bcm.tmc.edu                                              Richard Miller N
rlcarr@animato.pn.com                                          Rich Carreiro Y
rmandel@bu.edu                                                Richard Mandel Y
rmvaughn@ix.netcom.com                                       margaret vaughn Y
roby@ida.org                                                      Clyde Roby Y
Roger@rs32.demon.co.uk                                           Roger Smith Y
ronnie.grant@mogur.com                                          Ronnie Grant Y
rose1208@ix.netcom.com                                            R.C. Russo Y
r_della@alcor.concordia.ca                                Robert Dell'Aquila Y
sasha@qv3pluto.LeidenUniv.nl                               Alexander Semenov N
sbhattac@styx.ios.com                                       S. Bhattacharyya Y
schwarz@poseidon.physik.tu-berlin.de                           Georg Schwarz Y
shrao@nyx.net                                                    Shrisha Rao N
sil@prostar.com                                                Mike Koeniger Y
SJLF70A@prodigy.com                                            Jeanne Morgan Y
sprasad@hsmpk12a-61.Eng.Sun.COM                   SHANKAR PRASAD VENKOBA-RAO Y
stainles@bga.com                                                Dwight Brown N
stamper@best.com                                               CHRIS STAMPER Y
stella@magenta.com                                                    STella N
stephen@umd.edu                                                       Pete S Y
steveedl@iinet.net.au                                          stephen edlin Y
Susan.M.Kennedy@Dartmouth.EDU                               Susan M. Kennedy Y
TaxService@aol.com                                            John H. Fisher Y
tbray@questicon.com                                           Thomas S. Bray Y
troys@volga.EECS.Berkeley.EDU                                Troy Shahoumian Y
vivek@cs.rice.edu                                                  Vivek Pai N
wingo@hous.inmet.com                                             Larry Wingo Y
winklerj@cadvision.com                                           Jay Winkler Y
wmcclain@salamander.com                                         Bill McClain Y
zed@cjnetworks.com                                               Ned Fleming Y


Votes in error
------------------------------------------------------------------------------
alanbl@ix.netcom.com
   ! No name given
Buddymom@aol.com
   ! No name given
insbiz@ix.netcom.com                                           SHELDON H KOZEL
   ! No ballot
MrFlyTrap1@aol.com                                                Bill Clinton
   ! Bogus name
 
USENET FACT: Flaming
Flaming is the hostile interaction between multiple Usenet users.