From cybercpa@mail.pcsonline.com Wed Jul 31 20:28:59 1996 Path: uunet!bounce-back From: cybercpa@mail.pcsonline.com (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: tale@uunet.uu.net Approved: newgroups-request@uunet.uu.net Message-ID: <838859316.21696@uunet.uu.net> 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. 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: majordomo@massey.ac.nz (CS Financial Services Group) Subscribe via: info comp-serv-fs majordomo@listserv.prodigy.com (Prodigy's Business and Finance Mailing List) Subscribe via: info business-finance Proponent: Susan Wasserman Mentor: Jonathan Grobe From cybercpa@mail.pcsonline.com Wed Aug 21 22:21:56 1996 Path: uunet!bounce-back From: 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: 2nd RFD: misc.invest.financial-plan moderated Followup-To: news.groups Date: 22 Aug 1996 02:21:51 -0000 Organization: . Lines: 233 Sender: tale@uunet.uu.net Approved: newgroups-request@uunet.uu.net Message-ID: <840680509.17201@uunet.uu.net> 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. Back-up Moderator: Ted T. Roberts 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: comp-serv-fs@massey.ac.nz (CS Financial Services Group) Subscribe via: info comp-serv-fs Proponent: Susan Wasserman Mentor: Jonathan Grobe From votetaker@netagw.com Mon Sep 23 16:54:19 1996 Path: uunet!bounce-back From: votetaker@netagw.com (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: tale@uunet.uu.net Approved: newgroups-request@uunet.uu.net Expires: 15 Oct 1996 00:00:00 GMT Message-ID: <843512049.13908@uunet.uu.net> Reply-To: invest-vote@netagw.com 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 Mentor: Jonathan Grobe Votetaker: Bill Aten 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 Administrative contact address: mifp-admin@netline.net Article submission address: mifp-submit@netline.net 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: 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 . 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 . 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: comp-serv-fs@massey.ac.nz Request address: info-comp-serv-fs@massey.nz From votetaker@netagw.com Thu Oct 3 08:30:41 1996 Path: uunet!bounce-back From: votetaker@netagw.com (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: <843512049.13908@uunet.uu.net> Followup-To: poster Date: 3 Oct 1996 12:30:32 -0000 Organization: Usenet Volunteer Votetakers Lines: 273 Sender: tale@uunet.uu.net Approved: newgroups-request@uunet.uu.net Expires: 15 Oct 1996 00:00:00 GMT Message-ID: <844345829.8305@uunet.uu.net> References: <843512049.13908@uunet.uu.net> Reply-To: invest-vote@netagw.com 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 Mentor: Jonathan Grobe Votetaker: Bill Aten 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 Administrative contact address: mifp-admin@netline.net Article submission address: mifp-submit@netline.net 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: 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 . 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 . 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: comp-serv-fs@massey.ac.nz Request address: info-comp-serv-fs@massey.nz misc.invest.financial-plan Bounce List (No need to revote) ------------------------------------------------------------------------------ stephen@umd.edu Pete S From bill@netagw.com Thu Oct 17 23:23:45 1996 Path: uunet!bounce-back From: bill@netagw.com (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: <844345829.8305@uunet.uu.net> Followup-To: news.groups Date: 17 Oct 1996 23:23:39 -0400 Organization: Usenet Volunteer Votetakers Lines: 372 Sender: tale@uunet.uu.net Approved: newgroups-request@uunet.uu.net Message-ID: <845609001.14925@uunet.uu.net> References: <843512049.13908@uunet.uu.net> <844345829.8305@uunet.uu.net> 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 Mentor: Jonathan Grobe Votetaker: Bill Aten 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 Administrative contact address: mifp-admin@netline.net Article submission address: mifp-submit@netline.net END MODERATOR INFO. FINAL VOTING ACKNOWLEDGEMENTS: misc.invest.financial-plan Final Vote Ack misc.invest.financial-plan (moderated) ---+ | ahall@cs.uml.edu Andrew Hall Y al@col.hp.com Alan J. DeVilbiss Y Alex@acclub.freenet.kiev.ua Alexandr Tarasinsky Y alvin-f@nwu.edu Alvin Foreman Y andy@solicit.demon.co.uk Andrew Nichols Y andyl@harlequin.com Andy Latto Y arctos@arctos.com William Lee Roberts Y arielle@taronga.com Stephanie da Silva Y arliejp@ix11.ix.netcom.com Arlie J. Proctor Y aschmitt@fia.net Al Schmitt Y awouk@nilenet.com Arthur Wouk Y balak@mit.edu Ajit Balakrishna Y banshee@banshee.com James Moore Y bb@wjh.harvard.edu brent byer N bigelowr@ix.netcom.com Richard Bigelow Y birchall@email.njin.net Dan "Shag" Birchall Y bjaspan@MIT.EDU Barry Jaspan Y blarkin@cpcug.org Brian J. Larkin Y booda@datasync.com Martin H. Booda N BPALJAX@aol.com Barbara Palumbo Y bretk@microlink.net Bret Koesser Y brianj@tiac.net Brian Jeffries Y chuck@cygnus.dis.anl.gov Charles Cilek Y cj69@pobox.alaska.net clyde harris Y cjmull@grfn.org Charles Mullally Y cliff@crl.com TONY BELLO Y cmw2@ix.netcom.com Charles Weinstein Y cole@igs.cviog.uga.edu Glenn Cole Y csaamw@urc.tue.nl 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