Search found 31 matches

by jeremiahr
Sat Apr 11, 2009 12:08 pm
Forum: Investing - Theory, News & General
Topic: A very tough question, perhaps daytraders know
Replies: 18
Views: 2736

You don't need to store the high, low, open, or close. Reason: you can easily compute them from the data. Certainly, the open and close are simply the first and last records in the file and need not be stored. If you like, you can store the high and low pre-calculated, but they only take space on a...
by jeremiahr
Fri Apr 10, 2009 9:40 pm
Forum: Investing - Theory, News & General
Topic: A very tough question, perhaps daytraders know
Replies: 18
Views: 2736

It depends what the data is and how efficiently its stored. Most stock data would include: Symbol Date Time High Low Open Close Volume for each bar. Thanks SP-diceman Good observation.. With your added data fields we could get up to maybe 5 gigabytes/year. If we sampled 1000 times / minute it would...
by jeremiahr
Fri Apr 10, 2009 9:17 pm
Forum: Investing - Theory, News & General
Topic: A very tough question, perhaps daytraders know
Replies: 18
Views: 2736

Maybe I'm missing something, but its actually not that much data... There are 60 minutes in an hour, 8 hours in a trading day, 250 trading-days in a year, and (for sake of argument) 3000 stocks in the market. That works out to 360 million pricepoints per year. This is not a ton of data, you could st...
by jeremiahr
Sat Mar 21, 2009 7:50 pm
Forum: Personal Consumer Issues
Topic: Good news! At least today.
Replies: 35
Views: 8020

Target today had big signs taped to each door with "We're Hiring". Pizza Hut had a similar sign as well. Good times.
by jeremiahr
Thu Mar 19, 2009 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house as an inflation hedge?
Replies: 24
Views: 4452

I think that maintaining mobility is a cheaper inflation hedge than buying a house. My reasoning is that inflation is probably regional and by buying a house you are locking yourself into your region's inflation. Suppse you spend 30% of your consumption on housing and 70% of your consumption elsewhe...
by jeremiahr
Sun Mar 15, 2009 8:31 pm
Forum: Investing - Theory, News & General
Topic: No more gummy stuff, eh?
Replies: 43
Views: 9030

nisiprius, the zip linked earlier is a full backup of the site. If you don't want to download the full thing I could maybe send you a zip of only part of the site. I used "fink" on the mac to install wget. Their website seems to be temporarily down, but normally it's at http://www.finkproject.org/. ...
by jeremiahr
Sun Mar 15, 2009 10:59 am
Forum: Investing - Theory, News & General
Topic: No more gummy stuff, eh?
Replies: 43
Views: 9030

Here's the mirror: http://s3.amazonaws.com/jeremiahr/www.g ... ff.org.zip (147 megabytes).

I'll keep this up as long it's needed.
by jeremiahr
Sun Mar 15, 2009 10:24 am
Forum: Investing - Theory, News & General
Topic: No more gummy stuff, eh?
Replies: 43
Views: 9030

I am in the process of making a public mirror of the full site (as one big zip file) accessible and will post a link when its ready (in about 20 minutes).
by jeremiahr
Sun Mar 08, 2009 9:11 pm
Forum: Investing - Theory, News & General
Topic: Optimistic Buyers of Detroit Real Estate
Replies: 7
Views: 1575

There was a similar article today in the New York Times: http://www.nytimes.com/2009/03/08/opinion/08barlow.html They pointed out gorgeous homes in Lafayette Park designed by a famous architect. This video is well worth watching: http://www.youtube.com/watch?v=OROh-5c92Ag. These houses go for $100k,...
by jeremiahr
Sun Mar 08, 2009 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is a masters degree worth $25,000?
Replies: 20
Views: 5105

Re: Different point of view

Hi, Are you sure a license or certification won't be just as meaningful, instead of a Masters? How does a PE compare to a licensed systems engineer? If a degree is needed.... I suggest you get a job in the field first and make sure of two things, if you don't know already: 1) that you like the fiel...
by jeremiahr
Mon Mar 02, 2009 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Captial One joining the rate hike bandwagon
Replies: 41
Views: 7672

I got the letter today too. My interest rate went from 14.8% to 22.9%. Thankfully my small debt to Capital One is locked in at 1.99%.
by jeremiahr
Mon Mar 02, 2009 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3804

Mine are $500, they will go to $1000 once I pay off the loan on my car. The finance company insists on a $500 deductible. This would save about $12/month. I pay monthly because Geico gave me a credit car that lets me pay monthly with no extra fees. Six months ago I moved to a new zip code and my car...
by jeremiahr
Mon Mar 02, 2009 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3804

On a side note, how did I get lower premiums with other companies after just having had a major collison repair on my record that's my fault?! Are you talking about switching from Geico to LM? I think Geico tries hard to get risky drivers out of their insurance program. They may have pushed your ra...
by jeremiahr
Mon Mar 02, 2009 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: +$30/month and triple your deductible for better car ins.?
Replies: 16
Views: 3804

If you insure with both of them for one year and then have an accident which uses the entire deductible, Amica will cost $560 more. Is Amica's service worth $560? If it takes 3 years until you have a collision, Amica costs $1280 more. The answer depends on the values each company would pay out if yo...
by jeremiahr
Mon Mar 02, 2009 6:26 pm
Forum: Investing - Theory, News & General
Topic: This American Life Explains Bad Banks (very Bad Banks)
Replies: 3
Views: 1477

The same group does the Planet Money podcast three times per week (http://www.npr.org/blogs/money/). All of it is gold (or maybe treasuries?).
by jeremiahr
Mon Mar 02, 2009 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is a masters degree worth $25,000?
Replies: 20
Views: 5105

It doesn't take very long for an X shortage to turn into an X glut, and when you finish your program it's tsk, tsk, what a pity, I wish I had a thousand jobs to show you, but, you know, degrees in X are sort of a drug on the market right now... Thanks nisprius. The syllabus looks interesting, but I...
by jeremiahr
Mon Mar 02, 2009 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is a masters degree worth $25,000?
Replies: 20
Views: 5105

Can you not simply apply to a Ph.D. program which has an excellent record for granting students who leave early a Master's degree? Ph.D. degrees in science/engineering are not only cost-free, but also provide a stipend on the order of $25K. This was my original plan. One downside is the timeline: I...
by jeremiahr
Mon Mar 02, 2009 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is a masters degree worth $25,000?
Replies: 20
Views: 5105

Thanks for the input Sarah. Its likely that I'll start making payments on the loans while still in school, before they start accruing serious interest, as well as pay some of the tutition up front. Having only worked for two years, my savings rate is high but my "cash on hand" wouldn't make a seriou...
by jeremiahr
Mon Mar 02, 2009 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is a masters degree worth $25,000?
Replies: 20
Views: 5105

Is a masters degree worth $25,000?

Bogleheads, I have lurked on this forum for over a year and appreciated your analytical approach to financial problems. I have a bachelors in pure Mathematics and Economics. After working for 2 years, I've seen that most PhDs and many Masters degrees are not generally rewarded with higher salaries o...
by jeremiahr
Tue Nov 25, 2008 8:32 pm
Forum: Investing - Theory, News & General
Topic: What's your Dow Prediction for December 31, 2008?
Replies: 79
Views: 15588

logical answer: 8500 -- approx. the current amount plus the return on a 3% yielding treasury from now until dec 31. emotional answer 1: 7000, it seems like the government is getting more desperate by the day to stop this, and nothing is working emotional answer 2: 9000, people will think more and mo...
by jeremiahr
Sun Aug 24, 2008 10:14 pm
Forum: Personal Investments
Topic: Costco Savings Account @ 3.75% Has anyone tried it?
Replies: 10
Views: 4068

This looked like a good deal in the Costco flyer. However, from previous experience Capital One has withheld income tax on the interest from my savings with them. This allows them to advertise a higher interest rate than other banks (because the interest doesn't compound as much during the year). Ha...
by jeremiahr
Sat Jul 12, 2008 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Good 401k, Bad 401k
Replies: 29
Views: 5981

At my employer we get a 25% match on the first 5% of our 401k contributions (a total of 1.25% match). All current and future contributions vest immediately at the 3 year mark. In addition we have an Employee Stock Purchase Plan, to which one can contribute 10% of salary and get a match of 1.5% of sa...
by jeremiahr
Tue Jul 08, 2008 7:39 am
Forum: Personal Consumer Issues
Topic: Civic or Focus For Next Car?
Replies: 57
Views: 13511

Re: Civic or Focus For Next Car?

You may work in the industry, but you don't know what you are talking about here. True, the Focus has a little more profit to the dealer built into the sticker. But no where near $4000 versus $1000 for Civic. The $1900 difference sounds about right for the REAL, out the door price for similar cars ...
by jeremiahr
Mon Jul 07, 2008 7:45 pm
Forum: Personal Consumer Issues
Topic: Civic or Focus For Next Car?
Replies: 57
Views: 13511

Re: Civic or Focus For Next Car?

... the focus is about $1900 cheaper. However, resale is better on the Civic. Mileage is pretty close Focus - 24/35; Civic 25/36. Plan on keeping for at least 8 years, if not longer if possible. I work in the auto industry and own a 2007 Civic with about 17,000 miles on it. I've been incredibly hap...
by jeremiahr
Sat Jun 21, 2008 11:22 pm
Forum: Personal Investments
Topic: Tax headaches from frequent bond fund transactions
Replies: 4
Views: 1024

Thank you both for your input. I now plan to keep enough cash to maintain the cashflow process in the MMF and then buy a bond fund to hold any extra emergency funds. Although the share-price volatility of the total bond index doesn't really concern me, the tax management could very easily become a h...
by jeremiahr
Sat Jun 21, 2008 10:42 pm
Forum: Personal Investments
Topic: Tax headaches from frequent bond fund transactions
Replies: 4
Views: 1024

Tax headaches from frequent bond fund transactions

I'd like to use a Vanguard bond fund for an income-smoothing "flow" account as well as for an emergency fund. Deposits will be made bi-weekly and withdrawls taken monthly or bi-monthly. Does anyone have experience with the tax headaches created from buying and selling a bond fund so frequently? I am...
by jeremiahr
Sat May 17, 2008 7:08 am
Forum: US Chapters
Topic: Richmond/Central Virginia meeting - Sat., May 31, 2008
Replies: 12
Views: 4984

I should be there

Looking forward to it!
by jeremiahr
Sat Apr 05, 2008 8:12 pm
Forum: Investing - Theory, News & General
Topic: Great interview on NPR/Fresh Air on financial crisis
Replies: 34
Views: 7462

Total derivative market: 550 trillion Total world GDP: 65 trillion How is this possible? I wish someone could explain this to me. It just makes no sense at all. What's the point of investment banks or hedge funds or whoever they are doing this? JW I suspect that most derivatives in these calculatio...
by jeremiahr
Sat Apr 05, 2008 5:43 pm
Forum: Personal Investments
Topic: Health Savings Accounts
Replies: 29
Views: 6088

American Chartered is a good for low balances

I use American Chartered Bank for my HSA and have been satisfied so far. Pros: After you pay $14 for the checks, there are no monthly fees and no minimum balance. Cons: They only pay 1% interest and their only non-cash options are CDs. I carry a small balance in this account and use my other tax-def...
by jeremiahr
Thu Apr 03, 2008 5:11 pm
Forum: US Chapters
Topic: Richmond, VA area Diehards?
Replies: 39
Views: 13896

Interested in Richmond diehards

I just set Al an email, but then found out that he no longer lives in the area, is there another group lead to get in touch with?

Thanks.
by jeremiahr
Fri Mar 14, 2008 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest purchase ever?
Replies: 43
Views: 9252

Dumbest purchase

I bought gap insurance on my 2007 Honda Civic... I still see the car sold used for more than I paid for it new (including the insurance).