Question:

McDonald’s manager charged with embezzling $200,000 from ATM Associated Press Published September 5, 2003 OLIV05 A Bloomington man was charged with embezzling more than $200,000 from an ATM at the McDonald’s restaurant he managed in his hometown. Matthew James Olivero, 29, was charged with four counts of theft by swindle over $35,000 and one count of theft of swindle over $2,500. The charges were announced Thursday. According to the criminal complaint, Olivero was the only person at the restaurant who had a key and combination to access the ATM. “This isn’t a case of simply miscounting or skimming a few dollars,” said Hennepin County Attorney Amy Klobuchar. “For more than two years, this defendant systematically diverted more than $200,000 in cash from an ATM that he controlled.” The McDonald’s accounting office discovered the thefts by comparing the petty cash funds designated for the ATM with the actual record of ATM withdrawals. The shortage was about $200,000 from the time the ATM was installed in November 1999 to the discovery of the thefts in July 2002. During the time of the alleged thefts, Olivero bought expensive jewelry, a timeshare condominium in Florida and paid private school tuition for his children. Previously, Olivero had financial difficulty, prosecutors said, including bouncing checks, failing to pay substantial debts and failing to pay rent in October and November 1999.

Response:

‘Cymbal Man Freq.’ wrote on 05 Sep 2003: – Hide quoted text — Show quoted text -> McDonald’s manager charged with embezzling $200,000 from ATM > Associated Press > Published September 5, 2003 OLIV05 > A Bloomington man was charged with embezzling more than $200,000 > from an ATM at the McDonald’s restaurant he managed in his > hometown. > Matthew James Olivero, 29, was charged with four counts of theft > by swindle over $35,000 and one count of theft of swindle over > $2,500. The charges were announced Thursday. > According to the criminal complaint, Olivero was the only person > at the restaurant who had a key and combination to access the ATM. > “This isn’t a case of simply miscounting or skimming a few > dollars,” said Hennepin County Attorney Amy Klobuchar. “For more > than two years, this defendant systematically diverted more than > $200,000 in cash from an ATM that he controlled.” > The McDonald’s accounting office discovered the thefts by > comparing the petty cash funds designated for the ATM with the > actual record of ATM withdrawals. The shortage was about $200,000 > from the time the ATM was installed in November 1999 to the > discovery of the thefts in July 2002. > During the time of the alleged thefts, Olivero bought expensive > jewelry, a timeshare condominium in Florida and paid private > school tuition for his children. > Previously, Olivero had financial difficulty, prosecutors said, > including bouncing checks, failing to pay substantial debts and > failing to pay rent in October and November 1999.

I’ve never seen a McDonald’s up here in Canada with an ATM. — Stuart J. Shillinglaw http://www.geocities.com/effectivestu/schizophrenia/ http://www.geocities.com/effectivestu/ http://www.geocities.com/effectivestu/drawings/ http://www.cafeshops.com/effectivestu

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Question:

Anyone; Which is the best fingerboard on a guitar; ebony or rosewood !!    To me rosewood is beautiful but I suspect the ebony will show less wear with hard use. Up to $500 gift/prize for the best answer. McDave — /s/ David E. Nixon  in Maryland "A Faire Lande of Pleasant Living"

Response:

Which is the best fingerboard on a guitar; ebony or rosewood !!   To me rosewood is beautiful but I suspect the ebony will show less wear with hard use.

That’s like asking, "What’s best, red or blue?" There is no best. It’s a personal preference. I like them both, but maybe slightly favor rosewood. Up to $500 gift/prize for the best answer.

Please deposit it to account # 98-55583-090-002.

Response:

red?   Which is the best fingerboard on a guitar; ebony or rosewood !!     To me rosewood is beautiful but I suspect the ebony will show less   wear with hard use.   That’s like asking, "What’s best, red or blue?" There is no best.   It’s a personal preference. I like them both, but maybe slightly favor   rosewood.   Up to $500 gift/prize for the best answer.   Please deposit it to account # 98-55583-090-002.

Response:

Anyone; Which is the best fingerboard on a guitar; ebony or rosewood !!    To me rosewood is beautiful but I suspect the ebony will show less wear with hard use. Up to $500 gift/prize for the best answer. McDave —

If you are an Ebony tree, Rosewood is the superior material. If you are a Rosewood tree,  Ebony is the ultimate. -pk

Response:

Why does Gibson use Ebony on all their high end custom options?

– Hide quoted text — Show quoted text – Anyone; Which is the best fingerboard on a guitar; ebony or rosewood !!    To me rosewood is beautiful but I suspect the ebony will show less wear with hard use. Up to $500 gift/prize for the best answer. McDave — /s/ David E. Nixon  in Maryland "A Faire Lande of Pleasant Living"

Response:

"Patrick Keenan" read this in the National Enquirer : If you are an Ebony tree, Rosewood is the superior material. If you are a Rosewood tree,  Ebony is the ultimate.

Now there’s no more oak oppression, For they passed a noble law, And the trees are all kept equal By hatchet, axe, and saw.

Question:

Invest $103 monthly, LEGALLY EARN $300 monthly from the TAX MAN right NOW! Sound too good to be true? Well, it really isn’t. Now, heres EXACTLY what this means to you:   a.. Did you know that if you join our premier network marketing   company you will NOW qualify for HOME BASED BUSINESS   deductions.   a.. Did you realize that most people can SAVE up to $5,000 or   more per year in TAXES? This is because with a QUALIFIED   Home Based Business, you can now legally deduct everyday   expenses that you are already spending money on.         For example, you can now deduct items such as:         Mileage, Food, Utilities, Medical Premiums and even the         Products you are purchasing through our company.   a.. You see, by simplying joining with us, the cost of the products         and TheSOSGroup website each month, will in most cases be         more than offset by the tax savings each month.   a.. 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Lets look         at some items that you’re probably already spending money on each         MONTH and the related tax savings potential:     Miles Driven:     – $457 (based upon 1,250 miles per month at 36 1/2 cents per mile)     Restaurant Food:     Utilities:     Medical Insurance Premiums:     – $115     Products and Website:     – $103     Total Expenses:     = $1,000 per month in DEDUCTIBLE expenses   Assuming a 30% tax bracket, you would SAVE $300 in taxes.   So again, would you spend $103 per month, to save $300?   Of course you would.   a.. What makes this LEGAL is as long as you have an INTENT   to make a profit.   a.. Your TheSOSGroup website is a turnkey recruiting system, plus one   of the best training sites around. It was designed to enroll and   educate people into ForMor International. The added bonus is we teach   multiple streams of income with ForMor International being our main income   stream.   a.. So as long as you tell people about your website, you are promoting   your ForMor International Home Based Business AND qualify for the   above referenced deductions.   a.. Of course our desire is to make as much money as we can each month   with ForMor, but worst case scenario is that if we don’t make a penny   in our business, we can at least save more money (in tax savings) than   we are spending on the products.   a.. Now to get started, simply go to: https://www.TheSOSGroup.NET   Fully review ALL the information, join one of our conference calls where   you can ask questions or just listen. Once you are fully satisfied you   can join by simply clicking the JOIN US button within the site.   a.. Just answer me ONE question…what do you have to loose? If you have any questions, please call or email me and I will be more than happy to help you "To have what most people don’t, you must do what most people wont" – Les Brown To Your Success! 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Response:

I saw your newsgroup posting and as you are in the business of finding scam free ideas, I thought this might interest you. You see, the UP outperforms any other program because it’s self-regulated. 100% Cheatproof and Verifiable. YOU VERIFY EACH MEMBER IS "REAL" BEFORE YOU JOIN! Thereby eliminating ALL guess-work! SIMPLE TO DO + YOU are NEVER ALONE! "FRATERNITY OF HELPERS" helping EACH OTHER SUCCEED! "Your Success is Our Success"! Get your copy of THE "UP"! Request The UP by email, with "SEND UP" in the Subject Line at: OR Go to the Official UP Site for more information at: http://www.theultimateprogram.com/default.asp?up=2036 My goal is for you to receive: "$60,000,000.00 IN 6 MONTHS OR LESS!" When YOU SUCCEED I SUCCEED and YOU WILL SUCCEED! JOIN THE UP TODAY before the Members List fills up! Sincerely, Adrian Waistle UP Member

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Question:

– Hide quoted text — Show quoted text -The old standard: Schaum’s Ouline of Accounting (several, pick the course level coverage you need). Hi, I not looking answers on homework or anything like that. It’s just that the text book we use in class is pretty confusing, I was wondering if anyone can recommend any good video or computer based training courses that I could use along with the course to help me. We gotten up to things like reversing entries, accrual basis, and deferred accounts, depreciation and a lot of it is just so confusing. If you have any suggestions or websites that can help me along, please let me know. =) d

Thanks, I did pick that book up for accounting I, though i am curious if a videotape or computer based learning program exists that shows it as well. The book seems fine, I’m just curious about that though. thanks d

Response:

Hi, I not looking answers on homework or anything like that. It’s just that the text book we use in class is pretty confusing, I was wondering if anyone can recommend any good video or computer based training courses that I could use along with the course to help me. We gotten up to things like reversing entries, accrual basis, and deferred accounts, depreciation and a lot of it is just so confusing. If you have any suggestions or websites that can help me along, please let me know. =) d

Response:

The old standard: Schaum’s Ouline of Accounting (several, pick the course level coverage you need). – Hide quoted text — Show quoted text – Hi, I not looking answers on homework or anything like that. It’s just that the text book we use in class is pretty confusing, I was wondering if anyone can recommend any good video or computer based training courses that I could use along with the course to help me. We gotten up to things like reversing entries, accrual basis, and deferred accounts, depreciation and a lot of it is just so confusing. If you have any suggestions or websites that can help me along, please let me know. =) d

– *             Ronald Lee Todd M.B.A., C.P.A.                  * *  Unemployed for five years, mistake of being an accountant. * *    From the Socialist People’s Republic of Kalifornia,      * *           the Seventh worst state for business,             * *                   Ayn Rand was right                        *

Response:

Question:

Yes, but the U.S. Treasury Department takes a very dim view of it. you can make money

– *             Ronald Lee Todd M.B.A., C.P.A.                  * *  Unemployed for five years, mistake of being an accountant. * *    From the Socialist People’s Republic of Kalifornia,      * *           the Seventh worst state for business,             * *                   Ayn Rand was right                        * Path: news.sol.net!spool0-nwblwi.newsops.execpc.com!newsfeeds.sol.net!priapus.vis i.com!news-out.visi.com!hermes.visi.com!out.nntp.be!propagator-SanJose!in.n ntp.be!newspeer.cwnet.com!sjc1.nntp.concentric.net!newsfeed.concentric.net! newsfeed.ozemail.com.au!ozemail.com.au!not-for-mail Newsgroups: alt.accounting X-No-Archive: yes Lines: 2 NNTP-Posting-Host: wonenara.ozemail.com.au Organization: OzEmail Ltd, Australia Distribution: world This message was cancelled from within Mozilla.

Response:

you can make money

Response:

Yes, but the U.S. Treasury Department takes a very dim view of it. you can make money

– *             Ronald Lee Todd M.B.A., C.P.A.                  * *  Unemployed for five years, mistake of being an accountant. * *    From the Socialist People’s Republic of Kalifornia,      * *           the Seventh worst state for business,             * *                   Ayn Rand was right                        *

Response:

1111 — Click here for Free Video!! http://www.gohip.com/free_video/ – Hide quoted text — Show quoted text – Hi, Pal, The following is a worthwile website for making easy money by subscribing as free member: http://www.basicpoint.com/r.r?r=21772 Happy surfing!

Response:

1111111111 — Click here for Free Video!! http://www.gohip.com/free_video/ – Hide quoted text — Show quoted text – Hi, Pal, The following is a worthwile website for making easy money by subscribing as free member: http://www.basicpoint.com/r.r?r=21772 Happy surfing!

Response:

Question:

Bill – You should look at Business Works by SAGE. (www.sota.com) for demo. The package offers a multi-company consolidation which would allow you to combine the 7 external offices data into a corporate financial for total company reporting.  The software would cost approximately $1500.00 per site with additional costs for multi users.  The ability to download data files to a central server and combine data is essential in regards to your related requirements.  Cost could be much less by purchasing a multi location license which we can discuss in person.  Please call me for additional information. DeeDee Heyne D.B.H. ENTERPRISES 303-795-7299 – Hide quoted text — Show quoted text – Our organization currently has Medlin Accounting software for the main office. We need programs for seven other offices which report to our main office. The users are inexperienced in keeping books and we need something simpler or with a good tutorial to train the user. We would use the same software for all the offices, both the main office and the reporting offices. Also need to keep it fairly inexpensive. Less than 25 employees, but need to keep track of donations (more than 400 donors), general ledger, payroll, accounts payable and receivable. Bill T —

  dbhent.vcf

< 1K Download

Response:

Our organization currently has Medlin Accounting software for the main office. We need programs for seven other offices which report to our main office. The users are inexperienced in keeping books and we need something simpler or with a good tutorial to train the user. We would use the same software for all the offices, both the main office and the reporting offices. Also need to keep it fairly inexpensive. Less than 25 employees, but need to keep track of donations (more than 400 donors), general ledger, payroll, accounts payable and receivable. Bill T —

Response:

Question:

Because my feet are flat, rigid, and borderline arthritic, I am looking for an alternative to running, walking, and fitness machines in my quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss? Are there any other newsgroups that I should consult for this issue? Share what you know. Learn what you don’t.

Response:

i’m not really certain about the correct response about the swimming but i would guess that you may be correct to a degree…. what i would suggest though is that should you decide to start a crosstraining regime you should definitely get some good inner shoe supports for your feet. if you are in the US sporting goods stores like Dick’s have many styles of arch support, along with places like walmart etc where you can actually take your shoes in, insert the supports and try them out to see how they feel….i will say though that walmart may not let you do that in the store so you’d probably have to go buy some and then return them, but to me it seems like a waste of money to do it that way 9mostly since i hate returning things)…my suggestion like i said before is go to a local sporting goods store and ask them about the supports…try a few out, pick one you seem to like the most and then you could go for the less expensive brands at the other stores….that way you’ll also have more of an idea of what is out there, and what would be best for you. Julie – Hide quoted text — Show quoted text – Because my feet are flat, rigid, and borderline arthritic, I am looking for an alternative to running, walking, and fitness machines in my quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss? Are there any other newsgroups that I should consult for this issue? Share what you know. Learn what you don’t.

Response:

As far as I can tell, it is working for me! I try and swim between a quarter mile and a half-mile twice a week. However, I also use a ski machine once or twice a week as well. But one thing I know for sure, there is less fat on my hips I can grab onto!!! I swim at a HR of 120, once in awhile, 126. So I’m probably (accounting for the fact that HR drops in the pool) working in my 75% zone. Anything is likely to be more effective for fat loss than doing nothing <G! I’d say give it a try. Cynthia G 262/222/200 (for now) – Hide quoted text — Show quoted text – Because my feet are flat, rigid, and borderline arthritic, I am looking for an alternative to running, walking, and fitness machines in my quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss? Are there any other newsgroups that I should consult for this issue? Share what you know. Learn what you don’t.

Response:

The insulation issue refers to when you are swimming in VERY cold water, then yes, your body does try to insulate itself.  But if you are just swimming in your local pool and not sub-zero weather, then this does not apply. Swimming is a great no-impact workout, it depends how hard you push yourself. Try water aerobics. Jennifer in Vancouver 140/125.5/110 "We became homeless for a time, but it was in Canada, so I thought we’d gone camping." – Jim Carrey [seeking Bonnie Sharon Porter from Ontario born 1958] * Sent from RemarQ http://www.remarq.com The Internet’s Discussion Network * The fastest and easiest way to search and participate in Usenet – Free!

Response:

I have found swimming great for fat loss and toning up.Although obviously you get a much better rate of fat loss it you diet also. Not stupid diets that never work and leave you hungry, but just cutting down on sweet things and booze! But I find swimming a great way to exercise and relax.  I am currently swimming three mornings per week and I alternate the swimming with stretch exercise and sit ups at home, and gentle hill walking on weekends.  And I am really loosing the inches! Cheers   Mair * Sent from RemarQ http://www.remarq.com The Internet’s Discussion Network * The fastest and easiest way to search and participate in Usenet – Free!

Response:

Someone correct me if I am wrong, please… But I believe that swimming is a great exercise. The fat as an insulation thing, I guess is a misinterpretation of how your body loses or retains fat. I am expeculating here that people or you, got to this conclusion based on the fact that when you exercise, or do some work outs, like swimming, your fat seems to get colder… In a swimming pool in addition to the fact that your body is adjusting to the water temperature, there is also the fact that your body is deriving energy from fat, and when fat gives energy, it gives heat, which means, it loses heat, and when you finish working out, it is (the fat around your body)colder… colder doesn’t mean it is not being used… Just my two cents… Lourdes – Hide quoted text — Show quoted text – Because my feet are flat, rigid, and borderline arthritic, I am looking for an alternative to running, walking, and fitness machines in my quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss? Are there any other newsgroups that I should consult for this issue? Share what you know. Learn what you don’t.

Response:

Swimming is a great workout and does burns fat.  And the best part tends to be swimming can overall tone over other kinds of machines.  I loved the my back looked when I swam. Rosebud 14/12/6

my absolute favorite thing about swimming? no jarring of the joints! rosie

Response:

hi K! i remember when COVERT BAILEY was first starting his INFOMERCIAL stuff and he made a comment (which he later retracted) that swimming was NOT aerobic and NOT fat burning! he, of course, was wrong! — "To speak ill of others is a dishonest way of praising ourselves." — W.Durant read and post, its a commitment! rosie email: remember to REMOVETHIS – Hide quoted text — Show quoted text – Swimming is fine for fat loss.  In general the confusion re swimming and fat loss seems to stem from the stated "fact" that professional or competing swimmers tend to have higher body fat percentages than other athletes of similar age and body style. Kali Blonde, aka K in Cali : Because my feet are flat, rigid, and borderline arthritic, I am looking : for an alternative to running, walking, and fitness machines in my : quest to lose fat.  I am considering swimming, but I have heard that it : is not an effective way to lose fat.  Some people tell me that the body : tries to retain fat as insulation when one is in the water, so that : swimming is not effective for fat loss. : : Is this true?  Is swimming as effective as a cross country ski machine : or an elliptical trainer for fat loss? : : Are there any other newsgroups that I should consult for this issue? : : : Share what you know. Learn what you don’t.

Response:

Swimming is fine for fat loss.  In general the confusion re swimming and fat loss seems to stem from the stated "fact" that professional or competing swimmers tend to have higher body fat percentages than other athletes of similar age and body style. Kali Blonde, aka K in Cali

I used to be a swimmer.  And yes you do have more fat, because if you didn’t you would sink.  The fat helps you stay on top of the water not down at the bottom.  I can tell you that it was work keeping the "fat" on.  This led me to some very bad eating habits I’m fighting right now.   Swimming is a great workout and does burns fat.  And the best part tends to be swimming can overall tone over other kinds of machines.  I loved the my back looked when I swam. Rosebud 14/12/6

Response:

Swimming is fine for fat loss.  In general the confusion re swimming and fat loss seems to stem from the stated "fact" that professional or competing swimmers tend to have higher body fat percentages than other athletes of similar age and body style. Kali Blonde, aka K in Cali

: Because my feet are flat, rigid, and borderline arthritic, I am looking : for an alternative to running, walking, and fitness machines in my : quest to lose fat.  I am considering swimming, but I have heard that it : is not an effective way to lose fat.  Some people tell me that the body : tries to retain fat as insulation when one is in the water, so that : swimming is not effective for fat loss. : : Is this true?  Is swimming as effective as a cross country ski machine : or an elliptical trainer for fat loss? : : Are there any other newsgroups that I should consult for this issue? : : : Share what you know. Learn what you don’t.

Response:

You do, of course, have an excellent pair of orthotics, yes? Kali Blonde, aka K in Cali

: Because my feet are flat, rigid, and borderline arthritic, I am looking : for an alternative to running, walking, and fitness machines in my : quest to lose fat.  I am considering swimming, but I have heard that it : is not an effective way to lose fat.  Some people tell me that the body : tries to retain fat as insulation when one is in the water, so that : swimming is not effective for fat loss. : : Is this true?  Is swimming as effective as a cross country ski machine : or an elliptical trainer for fat loss? : : Are there any other newsgroups that I should consult for this issue? : : : Share what you know. Learn what you don’t.

Response:

i agree! fat loss from water aerobics (which are safe for us arthritics) is just one of the benefits. being limber is THE BEST benefit! — Today, i will be tolerant of myself, from that i will learn appropriate tolerance of others! http://www.grossweb.com/asdlc/faq.htm read and post, its a commitment! rosie – Hide quoted text — Show quoted text – I have found swimming great for fat loss and toning up.Although obviously you get a much better rate of fat loss it you diet also. Not stupid diets that never work and leave you hungry, but just cutting down on sweet things and booze! But I find swimming a great way to exercise and relax.  I am currently swimming three mornings per week and I alternate the swimming with stretch exercise and sit ups at home, and gentle hill walking on weekends.  And I am really loosing the inches! Cheers Mair * Sent from RemarQ http://www.remarq.com The Internet’s Discussion Network * The fastest and easiest way to search and participate in Usenet – Free!

Response:

Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss?

Swimming is a FANTASTIC way to help you with your weight loss. Anything is better than nothing, and if you are up for it…. GO!!! Keep us posted on your success!! Thom

Response:

The thing about swimming is that you work EVERYTHING. It is excellent exercise for the cardiovascular system. Water creates resistance. IF you do it vigorously enough, you probably will lose some fat. You will probably build some muscle which is important when people are losing weight. The first thing you lose is water, then muscle, then fat. When you exercise during weight loss, as you build muscle, the body will begin to burn more fat. So implimenting some form of exercise is important. You may even want to try water aerobics which is going to be less stressful on the joints than a ‘land’ aerobics class. You also might want to try bicylcing. – Hide quoted text — Show quoted text – Because my feet are flat, rigid, and borderline arthritic, I am looking for an alternative to running, walking, and fitness machines in my quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss? Are there any other newsgroups that I should consult for this issue? Share what you know. Learn what you don’t.

– Sheila "Top of the world, Ma!" Before you buy.

Response:

I think that depends. I know I have a pretty good kick going, and frankly, it is my legs that often are the most sore after a swim workout.  I do also sidestroke and let me tell you, a scissors kick works the legs quite well… it is certainly the main propulsion for that particular stroke! YMMV. If you want to work the legs more, I believe fins can help. The thought just makes me cringe right now…. Cynthia G – Hide quoted text — Show quoted text – Water aerobics would probably be more effective than regular swimming. Swimming is certainly far better than no exercise, but most swimming involves the arms much more than the legs, so your largest muscle groups which burn the most calories aren’t doing as much of the work. —  "There’s a seeker born every minute."

Response:

quest to lose fat.  I am considering swimming, but I have heard that it is not an effective way to lose fat.  Some people tell me that the body tries to retain fat as insulation when one is in the water, so that swimming is not effective for fat loss. Is this true?  Is swimming as effective as a cross country ski machine or an elliptical trainer for fat loss?

Water aerobics would probably be more effective than regular swimming. Swimming is certainly far better than no exercise, but most swimming involves the arms much more than the legs, so your largest muscle groups which burn the most calories aren’t doing as much of the work. —                 "There’s a seeker born every minute."

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okay, time to put my .02 in .  I do water aerobics and believe it or not I get hot and sweaty(at least my forehead does) in the water.  I mean I know that I am doing, in comparision to regular aerobics, low impact aerobics doing water aerobics but who cares as long as it does the job.  I also do the eliptical machine two to three times a week.  I will tell you I feel better when I do the water aerobics v/s the eliptical.  I also seem to lose more weight when I do more water aerobics than eliptical.  As far as the insulation thing goes the temp in my pool at the gym is close to tepid.  I think that is why I get so hot. Sending you encouraging thoughts, Teresa 268/225/under 200 by 00

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Hi all, This is more finance than accounting, but I thought someone might be able to at least recommend where to go to find out the answer to my question.  I couldn’t see a newsgroup dealing directly with swaps, bonds, or finance (other than personal finance). BTW: I tried asking my lecturer/tutor but he is TERRIBLE at explaining things.  He is normally a physics lecturer (say no more). Can anyone please explain to me how swaps are valued using bonds?  The formula for the fixed bond (ie, fixed part of the swap) is calculated by discounting all the future interest payments, and the final principal payment, back to current prices.  The floating bond is calculated by just discounting the current interest payment (based on the previous LIBOR), as well as the principal back to todays rate.  So if the swap had 1.5 years to go with interest payments every 6 months, under the fixed bond you would discount  the first payment at the risk-free rate for 0.5 years, the second pmt at the risk-free rate for 1 year, the third pmt (includes interest & principal) at the risk-free rate for 1.5 yrs. Under the floating bond, the next interest (in 6 months) payment and the principal are discounted at the risk-free rate for 0.5 years.  So I guess I am wondering why the floating rate isn’t calculated by discounting back to current prices all the interest payments (at the probable future interest rate) as well as the principal.  Regardless of whether the principal is paid back in 6 months or 3 years, it is still discounted back as if it were going to be paid at the next interest date. All my tutor said was that Bfl (ie, floating bond) will equal the notional principal in the swap agreement immediately after the next payment date. All the formulas we have been given assume continuous compounding of interest(, ie, e^rt) Thanks for any help anyone can provide – this stuff is really tough!! ADAM

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– Hide quoted text — Show quoted text – Hi all, This is more finance than accounting, but I thought someone might be able to at least recommend where to go to find out the answer to my question.  I couldn’t see a newsgroup dealing directly with swaps, bonds, or finance (other than personal finance). BTW: I tried asking my lecturer/tutor but he is TERRIBLE at explaining things.  He is normally a physics lecturer (say no more). Can anyone please explain to me how swaps are valued using bonds?  The formula for the fixed bond (ie, fixed part of the swap) is calculated by discounting all the future interest payments, and the final principal payment, back to current prices.  The floating bond is calculated by just discounting the current interest payment (based on the previous LIBOR), as well as the principal back to todays rate.  So if the swap had 1.5 years to go with interest payments every 6 months, under the fixed bond you would discount  the first payment at the risk-free rate for 0.5 years, the second pmt at the risk-free rate for 1 year, the third pmt (includes interest & principal) at the risk-free rate for 1.5 yrs. Under the floating bond, the next interest (in 6 months) payment and the principal are discounted at the risk-free rate for 0.5 years.  So I guess I am wondering why the floating rate isn’t calculated by discounting back to current prices all the interest payments (at the probable future interest rate) as well as the principal.  Regardless of whether the principal is paid back in 6 months or 3 years, it is still discounted back as if it were going to be paid at the next interest date. All my tutor said was that Bfl (ie, floating bond) will equal the notional principal in the swap agreement immediately after the next payment date. All the formulas we have been given assume continuous compounding of interest(, ie, e^rt) Thanks for any help anyone can provide – this stuff is really tough!! ADAM there a lot of literature about swap valuation.

you can get a good example, and easy of understand, in the financial accounting standards board. (www.fasb.org). there is a course of financial instruments and some part of it is free. In the free part you can get the example of a swap valuation.  Also in the sfas 133 accounting for derivatives and hedging activities there are some examples. you can not get it in internet, but you would have the FASB statement in the library of your university.  there it follow the compond interest method. They are very simple, because they want to explain how to account a swap, nor how to value it. the valuation of a swap can be done of many forms, so i need your example to know where are you lost. i can say some things: 1. if you want to value the swaps as bond you must know that the swap there are only paymetn of interest, there are not exchange of principal (generally). 2. The best way is to value the payment of interest throught zero coupon bond. so the fixed part will be a sum zero copuon where with a period of life according to each payment. 3. to discount the payment of the swap you better has to use "forward rate of interst", nor spot rates. 4. in valuing the variable part, you have only to consider the next payment because the other payment will be value its nominal:  (1+i) Nominal of debt/ (1+i). think about it and if you want we can work with an example. A question; as you can see i am not english speaking (i am from spain) what do you mean when you say your lecture is a "physics lecturer") Is that mean that he read its lessons? in what university are you studing? bet wishes Share what you know. Learn what you don’t.

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Is the user using the same batch file to run. On a DOS app that uses Btrieve, you must load the btrieve requester first and then the app. I would suggest that you check the load from that workstation; is it calling brequest, is it then moving to the correct directory, and then is it finding the app’s exe file to run? I’ve found that if all these are right, it works. Usually, I have all users call the app from the same batch file which makes life a bit simpler In Novell 3.12, you should have read rights to public; full rights to the app’s directory and its sub’s (but not supervisor unless you want them to create new companies, etc.) since the app will control the things (generally) that the user can do. If no cure, let us know. Dana

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I am getting a message on starting SOLOMON III (DOS) with Windows 95 and Novell only on one machine out of 6. The program starts then it says, error file 11 missing.  It’s a Btreieve error message but not file name or anything else.  It’s like it can not find the data file, but the user has access.  It’s machine specific since trying the user name on another machine works. Any help will be appreciated Brian Branco

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I have had similar problems with MAS90 in a windows 3.x workstation and novell 3.12 environment.  I know that it is related to directory access rights.  I tried various things, finally I just gave the user access rights of a supervisor (our accounting personnell are also are our IS operators).  If security is not a big issue, this would be the fastest solution. If that does not work, a second problem may be that SOLOMON III is not compatible with Windows 32bit environment.  In which case you would have to upgrade to their windows version. I am not an expert, but these are some of the things I would try.  Good luck! I am getting a message on starting SOLOMON III (DOS) with Windows 95 and Novell only on one machine out of 6. The program starts then it says, error file 11 missing.  It’s a Btreieve error message but not file name or anything else.  It’s like it can not find the data file, but the user has access.  It’s machine specific since trying the user name on another machine works. Any help will be appreciated Brian Branco

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Can someone help me undertand the MBL Life 1995 annual report?  The report states there was a large gain from the disposition of Outlet Communications ($80 million).   However the financial shows a capital loss of $64,267,000 net of tax.    Does that mean there were other losses of $154,000,000?  Why isn’t the report clear about bad news as well as good news?  Can anyone clarify to me how the rehabilitation is really coming along?  If you can help I am also interested as to where my policies rank with all other policies since I am a Colorado policyholder.  Appreciate any/all comments.                                           Charlie

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Can someone help me undertand the MBL Life 1995 annual report?  The report states there was a large gain from the disposition of Outlet Communications ($80 million).   However the financial shows a capital loss of $64,267,000 net of tax.    Does that mean there were other losses of $154,000,000?  Why isn’t the report clear about bad news as well as good news?  Can anyone clarify to me how the rehabilitation is really coming along?  If you can help I am also interested as to where my policies rank with all other policies since I am a Colorado policyholder.  Appreciate any/all comments. Charlie

If they do not have an 800 number, spend a dollar calling the state bureau of insurance.  This is assuming that the company is being rehabed in your state.  If it is in California or elsewhere, call the commissioners office of the state responsible and speak with one of the deputy commissioners that has a first hand knowledge of the reorganization.  I have never heard of an accounting term called "outlet communications" but suspect that this may be the name of a company that the insurance company may have owned and thus carried its stock on the ballance sheet as an asset.  In any case, if you are a policyholder, you should ask YOUR bureau of insurance about what you might expect in the future and ask if your state guarantee fund will protect your investment.  By the way, what happened to the agent who sold you the policy?  He has an obligation to you in this matter.  Kindest regards, Rob

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Although I have not followed the story recently, i assume you are referring to Mutual Benefit Life.  I had some vague memory of the reorg. being completed, the state ins. dept. is a good idea, also check past issues of the Wall Street Journal which followed the story well. There was some hint of an agent suit to prevent the reorg. plan. If none of this works, email me and there is an ex-MBL agent in town I can track down.

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