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Better Investing
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line.  The SSG was difficult for us and was subjective and historical.  With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members.  It is working very well.  We have our own technical criteria form for purchasing and comparing stocks.  Bivio is great assistance.  We also have a wealth of information available on the computer and at our Fidelity research center. 

The second club I belong to has never been a Better Investing member.  We have broker speakers, book reports and other educational programs.  Again we have buy and sell criteria that we feel is a good evaluation tool.  Both clubs are making money as we learn!!

Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)
Our public library has Value Line available online for free. Just need a library card.


Kimberly Hazen
cell 608.444.6898


On Thu, Jun 19, 2014 at 2:32 PM, JAYNE GILBERT <jaynegrd@sbcglobal.net> wrote:
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line. The SSG was difficult for us and was subjective and historical. With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members. It is working very well. We have our own technical criteria form for purchasing and comparing stocks. Bivio is great assistance. We also have a wealth of information available on the computer and at our Fidelity research center.

The second club I belong to has never been a Better Investing member. We have broker speakers, book reports and other educational programs. Again we have buy and sell criteria that we feel is a good evaluation tool. Both clubs are making money as we learn!!

Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)

You should look into the possibility of getting VL through your public library. It is online and free. We don't have to go to the library. Though our members belong to different library systems, we have realized that all public libraries subscribe to Value Line.

Deep Shikha, Ph.D.
Professor and Chair, Economics
St. Catherine University
651-690-6577


On Thu, Jun 19, 2014 at 2:32 PM, JAYNE GILBERT <jaynegrd@sbcglobal.net> wrote:
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line. The SSG was difficult for us and was subjective and historical. With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members. It is working very well. We have our own technical criteria form for purchasing and comparing stocks. Bivio is great assistance. We also have a wealth of information available on the computer and at our Fidelity research center.

The second club I belong to has never been a Better Investing member. We have broker speakers, book reports and other educational programs. Again we have buy and sell criteria that we feel is a good evaluation tool. Both clubs are making money as we learn!!

Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)

Our libraries have Value Line for free, but the hours have been cut and we like the print copies. Not all the branch libraries had the print copies.
 The subscription works best for us.  


On Thursday, June 19, 2014 2:54 PM, Deep Shikha <dshikha@stkate.edu> wrote:


You should look into the possibility of getting VL through your public library. It is online and free. We don't have to go to the library. Though our members belong to different library systems, we have realized that all public libraries subscribe to Value Line.

Deep Shikha, Ph.D.
Professor and Chair, Economics
St. Catherine University
651-690-6577


On Thu, Jun 19, 2014 at 2:32 PM, JAYNE GILBERT <jaynegrd@sbcglobal.net> wrote:
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line.  The SSG was difficult for us and was subjective and historical.  With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members.  It is working very well.  We have our own technical criteria form for purchasing and comparing stocks.  Bivio is great assistance.  We also have a wealth of information available on the computer and at our Fidelity research center. 

The second club I belong to has never been a Better Investing member.  We have broker speakers, book reports and other educational programs.  Again we have buy and sell criteria that we feel is a good evaluation tool.  Both clubs are making money as we learn!!

Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)



Our library makes ValueLine available online so we can print out or save a pdf copy of those reports we want to use. Saves a trip and it's cheaper than making copies.

Mike Jones
WallStreet Wannabees
Bloomington, MN

--------------------------------------------
On Thu, 6/19/14, JAYNE GILBERT <jaynegrd@sbcglobal.net> wrote:

 Subject: Re: [club_cafe] Better Investing
 To: "club_cafe@bivio.com" <club_cafe@bivio.com>
 Date: Thursday, June 19, 2014, 3:04 PM
 
 Our libraries
 have Value Line for free, but the hours have been cut and we
 like the print copies. Not all the branch libraries had
 the print copies. The
 subscription works
  best for us.  
 
  
     On Thursday, June
 19, 2014 2:54 PM, Deep Shikha <dshikha@stkate.edu>
 wrote:
     
 
  You should look into
 the possibility of getting VL through your public library.
 It is online and free. We don't have to go to the
 library. Though our members belong to different library
 systems, we have realized that all public libraries
 subscribe to Value Line.
 
 
 
 Deep Shikha,
 Ph.D.Professor and
 Chair, Economics
 
 St. Catherine University
 651-690-6577
 
 
 On Thu, Jun 19, 2014 at
 2:32 PM, JAYNE GILBERT <jaynegrd@sbcglobal.net> wrote:
 
 
 
 
 Our club left Better Investing last year. We felt that
 for the same money and better value we could subscribe to
 Value Line.  The SSG was difficult for us and was
 subjective and historical.  With Value Line,
 although they do not have a club subscription, one
 member is responsible and distributes the print copy to
 members.  It is working very well.  We have our
 own technical criteria form for purchasing and comparing
 stocks.  Bivio is great assistance.  We also have
 a wealth of information
  available on the computer and at our Fidelity research
 center. 
 The
 second club I belong to has never been a Better Investing
  member.  We have broker speakers, book reports and
 other educational programs.  Again we have buy and sell
 criteria that we feel is a good evaluation tool.  Both
 clubs are making money as we learn!!
 
 
 Jayne
 GilbertMake-A-Lot ClubRainbow
 Investment Club of Houston
 (RICH)
 
 
      
Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 
Sent: Thursday, June 19, 2014 3:32 PM
Subject: [club_cafe] Better Investing
 
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line.  The SSG was difficult for us and was subjective and historical.  With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members.  It is working very well.  We have our own technical criteria form for purchasing and comparing stocks.  Bivio is great assistance.  We also have a wealth of information available on the computer and at our Fidelity research center. 
 
The second club I belong to has never been a Better Investing member.  We have broker speakers, book reports and other educational programs.  Again we have buy and sell criteria that we feel is a good evaluation tool.  Both clubs are making money as we learn!!
 
Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)
Nick (& others), Have do you like the Fairfax Library?  I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter.  Frustrating!  Am I the only one experiencing this, do others have the same complaint?
 
Thnk you,
Roy Chastain

From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 



Roy,
 
I've had that happen at times, especially if I am reading through a link on another page. However, I don't think it kicks me off the linked item (such as Value Line), just the Fairfax page.
 
Nick
 
Sent: Thursday, June 19, 2014 8:48 PM
Subject: Re: [club_cafe] Better Investing
 
Nick (& others), Have do you like the Fairfax Library?  I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter.  Frustrating!  Am I the only one experiencing this, do others have the same complaint?
 
Thnk you,
Roy Chastain

From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing
 
Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 


 
In my opinion, ValueLine, which I like a lot, is merely objective and historical.  Each of us has a section that draws his/her attention, e.g. insider trading, short-term/long-term debt, dividend trends, and most of us agree that VL's five year earnings estimate fits well in an SSG.  In other words, they each provide value and can both be used, but you must go beyond page 2 of the SSG to truly benefit from it.  
 
Mike Jones
WallStreet Wannabees
Bloomington, MN


From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 7:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 


Sent: Thursday, June 19, 2014 3:32 PM
Subject: [club_cafe] Better Investing
 
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line.  The SSG was difficult for us and was subjective and historical.  With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members.  It is working very well.  We have our own technical criteria form for purchasing and comparing stocks.  Bivio is great assistance.  We also have a wealth of information available on the computer and at our Fidelity research center. 
 
The second club I belong to has never been a Better Investing member.  We have broker speakers, book reports and other educational programs.  Again we have buy and sell criteria that we feel is a good evaluation tool.  Both clubs are making money as we learn!!
 
Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)


When our club formed in 2006 we considered BI, but didn't join. Bivio, with its included tax software, was a major reason. Some of us retained BI membership and printed out SSG's; other have dropped BI (including me) because of perceived limited value for the cost. We obtain VL's from the library (15 cents each), scan them in and post on Bivio/Communications/files.
We rely on Manifest Investing (for its forward look), Finviz, Seeking Alpha, Motley Fool, WSJ, Barrons, Forbes. When presenting a new stock we prepare 2- or 3-column side-by-side comparisons of leaders in the sub-sector or major competitors.


On Thu, Jun 19, 2014 at 8:51 PM, Mike Jones via bivio.com <user*21595500001@bivio.com> wrote:
In my opinion, ValueLine, which I like a lot, is merely objective and historical. Each of us has a section that draws his/her attention, e.g. insider trading, short-term/long-term debt, dividend trends, and most of us agree that VL's five year earnings estimate fits well in an SSG. In other words, they each provide value and can both be used, but you must go beyond page 2 of the SSG to truly benefit from it.
Mike Jones
WallStreet Wannabees
Bloomington, MN


From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 7:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
Would you be willing to share the evaluation tools each of your respective clubs use?
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
Thanks,
Nick


Sent: Thursday, June 19, 2014 3:32 PM
Subject: [club_cafe] Better Investing
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line. The SSG was difficult for us and was subjective and historical. With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members. It is working very well. We have our own technical criteria form for purchasing and comparing stocks. Bivio is great assistance. We also have a wealth of information available on the computer and at our Fidelity research center.
The second club I belong to has never been a Better Investing member. We have broker speakers, book reports and other educational programs. Again we have buy and sell criteria that we feel is a good evaluation tool. Both clubs are making money as we learn!!
Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)



Roy I use the Ffx county library all the time online having been a resident for the last 20 years.  I have not been kicked off after 7 mins.  I have logged into value line via the Ffx library and found no disconnection issues.

Be Well. Irina Sent from my iPad

On Jun 19, 2014, at 8:48 PM, "Roy Chastain via bivio.com" <user*26255300001@bivio.com> wrote:

Nick (& others), Have do you like the Fairfax Library?  I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter.  Frustrating!  Am I the only one experiencing this, do others have the same complaint?
 
Thnk you,
Roy Chastain

From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 



Nick,

Which Value Line subscription does the Fairfax County Library pay for?  Is it Value Line Research Center (the one that grants full access) or is it the Value Line Investment Survey?  California residents already have free on-line access to the Value Line Investment Survey and to Morningstar.  I hunted around for free access to the Value Line Research Center.  I found free access at Sacramento State University but I'm not motivated enough to go to the local library.

Linda
From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 


Sent: Thursday, June 19, 2014 3:32 PM
Subject: [club_cafe] Better Investing
 
Our club left Better Investing last year. We felt that for the same money and better value we could subscribe to Value Line.  The SSG was difficult for us and was subjective and historical.  With Value Line, although they do not have a club subscription, one member is responsible and distributes the print copy to members.  It is working very well.  We have our own technical criteria form for purchasing and comparing stocks.  Bivio is great assistance.  We also have a wealth of information available on the computer and at our Fidelity research center. 
 
The second club I belong to has never been a Better Investing member.  We have broker speakers, book reports and other educational programs.  Again we have buy and sell criteria that we feel is a good evaluation tool.  Both clubs are making money as we learn!!
 
Jayne Gilbert
Make-A-Lot Club
Rainbow Investment Club of Houston (RICH)


Thanks Irina.  (Maybe Fairfax discriminates against those West of the Rockies. <joke>)
 
Roy Chastain

"In investing, there is no such thing as a called strike. You don't have to swing at every pitch." --Warren Buffett

From: Irina Clements <irina39@verizon.net>
To: "club_cafe@bivio.com" <club_cafe@bivio.com>
Sent: Thursday, June 19, 2014 7:51 PM
Subject: Re: [club_cafe] Better Investing

Roy I use the Ffx county library all the time online having been a resident for the last 20 years.  I have not been kicked off after 7 mins.  I have logged into value line via the Ffx library and found no disconnection issues.

Be Well. Irina Sent from my iPad



On Jun 19, 2014, at 8:48 PM, "Roy Chastain via bivio.com" <user*26255300001@bivio.com> wrote:

Nick (& others), Have do you like the Fairfax Library?  I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter.  Frustrating!  Am I the only one experiencing this, do others have the same complaint?
 
Thnk you,
Roy Chastain

From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick
 





Thanks to all who have provided feedback on BI. I understand the rationale for those who have foregone the membership. That will be one of the options our club discusses.

One of the primary benefits to the data service seems to be the ease at which one can compare historical data across a few competitors and sector. Free sources provide useful information for a snapshot in time (today) but not as useful for historical information over time (quarterly, annual). Y-charts is one of the few (semi) free sources I've found.

We too make extensive use of ValueLine (electronically via the library) but not having access to the data electronically is a disadvantage for easily quantitatively comparing companies.

It was helpful to hear discussion about some who use stockcentral.com which appears to be cheaper and more direct method to get access to the data I'm interested in. I'll look more into that.

Lastly, one benefit others in my club have stated for the BI membership is it also provides some limited form of liability insurance. This isn't very compelling to me personally but some may value it.






On Fri, Jun 20, 2014 at 12:29 AM, Roy Chastain via bivio.com <user*26255300001@bivio.com> wrote:
Thanks Irina. (Maybe Fairfax discriminates against those West of the Rockies. <joke>)
Roy Chastain

"In investing, there is no such thing as a called strike. You don't have to swing at every pitch." --Warren Buffett

From: Irina Clements <irina39@verizon.net>
To: "club_cafe@bivio.com" <club_cafe@bivio.com>
Sent: Thursday, June 19, 2014 7:51 PM

Subject: Re: [club_cafe] Better Investing

Roy I use the Ffx county library all the time online having been a resident for the last 20 years. I have not been kicked off after 7 mins. I have logged into value line via the Ffx library and found no disconnection issues.

Be Well. Irina Sent from my iPad



On Jun 19, 2014, at 8:48 PM, "Roy Chastain via bivio.com" <user*26255300001@bivio.com> wrote:

Nick (& others), Have do you like the Fairfax Library? I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter. Frustrating! Am I the only one experiencing this, do others have the same complaint?
Thnk you,
Roy Chastain

From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
Would you be willing to share the evaluation tools each of your respective clubs use?
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
Thanks,
Nick






Barrett,
If you want cheap access to data at home, why not use Morningstar?  Nothing is cheaper than free.  You can download 10 years of restated income statements, balance sheets, and cash flow statements.

From: Barrett <mr.bear.it@gmail.com>
To: Bivio Club Cafe <club_cafe@bivio.com>
Sent: Friday, June 20, 2014 4:26 AM
Subject: Re: [club_cafe] Better Investing

Thanks to all who have provided feedback on BI. I understand the rationale for those who have foregone the membership. That will be one of the options our club discusses.

One of the primary benefits to the data service seems to be the ease at which one can compare historical data across a few competitors and sector. Free sources provide useful information for a snapshot in time (today) but not as useful for historical information over time (quarterly, annual). Y-charts is one of the few (semi) free sources I've found. 

We too make extensive use of ValueLine (electronically via the library) but not having access to the data electronically is a disadvantage for easily quantitatively comparing companies.

It was helpful to hear discussion about some who use stockcentral.com which appears to be cheaper and more direct method to get access to the data I'm interested in. I'll look more into that.

Lastly, one benefit others in my club have stated for the BI membership is it also provides some limited form of liability insurance. This isn't very compelling to me personally but some may value it.








On Fri, Jun 20, 2014 at 12:29 AM, Roy Chastain via bivio.com <user*26255300001@bivio.com> wrote:
Thanks Irina.  (Maybe Fairfax discriminates against those West of the Rockies. <joke>)
 
Roy Chastain

"In investing, there is no such thing as a called strike. You don't have to swing at every pitch." --Warren Buffett
From: Irina Clements <irina39@verizon.net>
To: "club_cafe@bivio.com" <club_cafe@bivio.com>
Sent: Thursday, June 19, 2014 7:51 PM

Subject: Re: [club_cafe] Better Investing

Roy I use the Ffx county library all the time online having been a resident for the last 20 years.  I have not been kicked off after 7 mins.  I have logged into value line via the Ffx library and found no disconnection issues.

Be Well. Irina Sent from my iPad



On Jun 19, 2014, at 8:48 PM, "Roy Chastain via bivio.com" <user*26255300001@bivio.com> wrote:

Nick (& others), Have do you like the Fairfax Library?  I paid and have used it, but I get kicked off after about 7 minutes, and must re-enter.  Frustrating!  Am I the only one experiencing this, do others have the same complaint?
 
Thnk you,
Roy Chastain
From: Nick <telcontar11@verizon.net>
To: club_cafe@bivio.com
Sent: Thursday, June 19, 2014 5:39 PM
Subject: Re: [club_cafe] Better Investing

Jayne,
 
Would you be willing to share the evaluation tools each of your respective clubs use?
 
On a separate note, I your local library doesn't have an online Value Line subscription available, The Fairfax County Library allows non-residents to join the library for a $27 annual fee. That gets you access to Value Line, Morningstar and S&P, as well as many other business related resources.
 
Here's the link for those who might be interested: https://www.fairfaxcounty.gov/library/accountservices/nonresapp.htm
 
Thanks,
Nick