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To: kbert who wrote (172)	1/4/1999 10:51:00 PM
From: WEBNATURAL	Respond to of 365

I'm fallin' asleep and I musta dreamed you were a teacher! Pay me no-never mind! This coffee does it every time! You went on with me drinkin' you water n all!

To: kbert who wrote (172)	1/5/1999 9:13:00 PM
From: WEBNATURAL	Respond to of 365

Here's something to speak about one more time! Have you seen it? ??????????????????????????????????????????????????????????? -- All this talk about bull and bear markets reminds me that it's a zoo out there, when it comes to investing. And, like any zoo, there are quite a few species to be found down on Wall Street. Most investors' favorite animal is clearly the bull. The term is used in several ways. Referring to the stock market, it describes a period in which prices rise for a lengthy period of time. When it comes to people, bullish describes one who is optimistic. How this usage came about is not entirely clear. A bullish investor is one who buys a stock in the expectation that its price will rise. This could be compared with bulls charging ahead, stampeding prices higher. Or it could simply reflect the fact that bulls habitually toss their heads upward. To be considered a bull market, prices need not rise continuously. There can be days, weeks and even months in which prices fall. What matters is the long-term trend. And as I pointed out in my column of Aug. 7,, this bull market, which began in August 1982, is still alive — although somewhat wounded. Bears Which brings me to the Street's least favorite animal, the bear. This term is used to describe downers — both stock prices and individuals. It originated from the old days, when traders used to sell bearskins before the bears were actually caught. In the stock market, it applies to people who expect prices to decline. As for how much of a price decline constitutes a bear market, the rule of thumb seems to be at least 20 percent. However, a lot depends on how long the drop lasts. The quicker the rebound, the less likely that investor psychology will turn from optimism to the pessimism that usually accompanies a bear market. You can find other animals down on Wall Street. For example, there are dogs, as in Dogs of the Dow. This is an investment strategy that calls for buying the 10 stocks with the highest yield among the Dow 30, altering the portfolio annually as needed. In the feline family, remember CATS (Certificates of Accrual on Treasury Securities), LYONS (Liquid Yield Option Notes) and TIGRS (Treasury Interest Growth Receipts)? Arachnids A recent addition to the Street's menagerie is SPDRS (pronounced spiders), which enable investors to participate in the price performance and dividend yield of the Standard & Poor's 500 Index by purchasing shares at a price equal to roughly 10 percent of the value of this index. While buying and selling stock, investors must be on the lookout for donkeys and elephants, representing, of course, the two major political parties. The government certainly plays a big role in Wall Streeters' lives. Sometimes Washington even makes monkeys out of traders by changing the rules in the middle of the game. There are two other animals to keep watch for. Ostriches are investors who stick to their old strategies, oblivious to changes in the world around them. And then there are the hogs — as in the expression, bulls can make money, bears can make money, but hogs, investors who are too greedy, usually get slaughtered.

To: kbert who wrote (172)	1/15/1999 3:20:00 PM
From: WEBNATURAL	Read Replies (1) \| Respond to of 365

More... There are two men at the bottom of a hole, digging. One guy asks the other, "Why is that guy up there sitting under the tree while we do all the work?" The other guy doesn't know, so he goes up and asks him why. The guy under the tree says, "Because I have intelligence." The digger says, "What's that?" So the guy under the tree stands up and says, "Punch me as hard as you can." So the guy winds up and punches him, but the intelligent guy moves away and the digger punches the tree. His hand is now killing him. So the digger says, "Oh, I think I know what it is now." He goes back down to the other digger. The other digger asks, "So why are we doing all the work?" So the first digger replies, "Because he has intelligence." The first digger says, "What's that." The other digger looks around for a tree, but doesn't see one, so he puts his hand in front of his face and says, "Punch my hand as hard as you can."