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To: smolejv@gmx.net who wrote (1900)	2/5/1998 9:44:00 PM
From: Berney	Respond to of 11051

Janko, Thanks for the vote of confidence. Don't know anything about Germany's tax structure, but be thankful you don't have to deal with U.S. BS. The mistake our grandfathers made when they enacted the 16th amendment to the Constitution in 1913, which allowed for the income tax, was simply to not define income. So we play this constant game of closing and opening "loopholes." This month marks my 20 year anniversary of doing this full time out of my home. Fortunately, most of my clients have been with me for over 10 years. Unfortunately, there are only so many hours in the day and its tough to expect the efforts of two months to pay the bills for 12 months. I was drawn to the investment world as something to do to occupy the other 10 months. Found that its quite addictive! It was a nasty close on INTC today. But I think that the Fri sell-offs that we saw in the late summer and fall may be moving to Thursdays. But, I've vowed not to get whipsawed in '98 and let the trend be the friend! Berney

To: smolejv@gmx.net who wrote (1900)	2/7/1998 3:26:00 AM
From: Berney	Read Replies (1) \| Respond to of 11051

Janko, the initial week of the BAMBI ratio did pretty good. There was a lot of negative conversation on the threads last weekend. The Bambi ratio said otherwise. Needless to say, after a week like this past one, the BAMBI ratio is strongly positive 23 to 3 with 4 I'm calling indecisive. Most interesting the category 1 of the BAMBI ratio went up 5.1% this past week while the S&P was up 3.3% and the DJIA was up 3.6%. Category 1 did OK. INTC would be a category one if in the DJIA. There are only two stocks in the category 1 for the coming week: WMT and UK. We'll see how they do. The experiment continues. I would like to reflect the performance of each of the categories but no time now. Berney