Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Herb lemcool on
Happy Birthday thanks for keeping us legal
Sent from my iPhone
On Dec 8, 2019, at 4:16 PM, Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
On Dec 8, 2019, at 4:16 PM, Laurie Frederiksen <laurie@bivio.biz> wrote:

It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Johnny S on
Happy Birthday!
Very thankful for everything to make Investment Clubs great ways to invest.
On Dec 8, 2019, at 4:16 PM, Laurie Frederiksen <laurie@bivio.biz> wrote:

It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
On Dec 8, 2019, at 4:16 PM, Laurie Frederiksen <laurie@bivio.biz> wrote:

It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Mike & Kim Potter on
Congrats and Happy. Happy Birthday.
Bivio is a treasurer's best friend!!!
Kim Potter
BI Brighton Model Club
On Sunday, December 8, 2019, 04:16:22 PM EST, Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Bob Gremel on
Happy Birthday. Thanks for all you do for invesment clubs.
On Sunday, December 8, 2019, 04:16:22 PM EST, Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
polymerguy on
Happy Birthday!
The TLP Investment Club. Bivio members since 2000!
From: club_cafe@bivio.com <club_cafe@bivio.com> On Behalf Of Bob Gremel via bivio.com Sent: Sunday, December 08, 2019 7:27 PM To: club_cafe@bivio.com Subject: Re: [club_cafe] Happy Birthday to Us!
Happy Birthday. Thanks for all you do for invesment clubs.
On Sunday, December 8, 2019, 04:16:22 PM EST, Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
RANDALL FINE on
AWESOME!!! Thanks for all the support!!! Happy Birthday time to celebrate!!! Regards, Mary
On December 8, 2019 at 3:15 PM Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Dick Lewis on
Happy Birthday and thanks for all the years of great support.
Back in 1998, two Stanford graduates had the idea to develop the
first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on
December 8, 1999. Many thousands of investment clubs have used it
since.
In the past 20 years, we've seen it all. You've created family
clubs, clubs at the office, big clubs and small clubs. We've worked
with brand new clubs and clubs that have been around for 50 years.
We've exchanged hundreds of thousands of email messages
with all of you.
Our mission at bivio is to help you keep the operations of your
investment club simple so you can have fun learning to invest with
your friends. We were ahead of our time in seeing the opportunities
that software delivery over the Internet would provide to facilitate
the operations of groups working together. 20 years ago, the idea of
an internet based program was a novelty. Now, all programs are
moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the
best customers! It's always truly a pleasure to work with you and
watch your clubs achieve investing success. We look forward to
supporting your efforts for the next 20 years!
Frank Wilson on
Happy Birthday from me and all my club members over the years.
Santa Rosa Sand Dollars Investment Club
Our Little Nest Egg Investment Club
Emerald Coast Chapter Model Investment Club
Alabama/Emerald Coast Model Investment Club
On Sun, Dec 8, 2019 at 3:16 PM Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
--
Frank Wilson 850 723-4194
Steve Macdougall on
Happy Birthday Bivio and thank you for simplifying the treasurer's job and being such a great resource for our club.
Linda Macdougall
Tacoma Oddlot Ladies
In a message dated 12/8/2019 1:16:22 PM Pacific Standard Time, laurie@bivio.biz writes:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Patricia Knapp on
Happy Birthday
Wonderful service.
Sent from my iPad
On Dec 8, 2019, at 4:15 PM, Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
John Munn on
Hi bivio, and Happy Birthday.
I still have the bivio t-shirt you passed out at the NAIC convention in Orlando when bivio was just a start-up. If I recall, you were directed not to distribute them.
John Munn
Capitol Investors and the now disbanded Cross Country Investment Club (an on-line partnership)
On Sun, Dec 8, 2019 at 4:16 PM Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!
Colleen Goings on
Happy birthday vivid..couldn't even begin to be a treasurer without you!!
On Sun, Dec 8, 2019 at 3:16 PM Laurie Frederiksen <laurie@bivio.biz> wrote:
It's our 20th birthday!
Back in 1998, two Stanford graduates had the idea to develop the first web-delivered investment club accounting application.
bivio (from the Latin bivium, intersection) was born on December 8, 1999. Many thousands of investment clubs have used it since.
In the past 20 years, we've seen it all. You've created family clubs, clubs at the office, big clubs and small clubs. We've worked with brand new clubs and clubs that have been around for 50 years. We've exchanged hundreds of thousands of email messages with all of you.
Our mission at bivio is to help you keep the operations of your investment club simple so you can have fun learning to invest with your friends. We were ahead of our time in seeing the opportunities that software delivery over the Internet would provide to facilitate the operations of groups working together. 20 years ago, the idea of an internet based program was a novelty. Now, all programs are moving toward being internet applications.
Thank you for your loyalty and your business. We know we have the best customers! It's always truly a pleasure to work with you and watch your clubs achieve investing success. We look forward to supporting your efforts for the next 20 years!