Search found 305 matches

by hudson4351
Mon Nov 23, 2009 12:25 am
Forum: Investing - Theory, News & General
Topic: What happens when a stock is removed from the index?
Replies: 11
Views: 2744

I dont understand the purpose of this post. The question was, more or less, where does a fund get the money to buy a new company if the old company went belly up. The answer is that adding a new company at the bottom of the index is such a small piece of the fund that they can just buy it out of ca...
by hudson4351
Sun Nov 22, 2009 3:22 pm
Forum: Investing - Theory, News & General
Topic: What happens when a stock is removed from the index?
Replies: 11
Views: 2744

The fund could have a net cash inflow because there are more purchases than redemptions. The fund may also receive a steady stream of dividend income from the portfolio holdings and some of those dividends could be used be used to re-balance the portfolio. If the fund uses dividends from other stoc...
by hudson4351
Sun Nov 22, 2009 3:04 pm
Forum: Investing - Theory, News & General
Topic: What happens when a stock is removed from the index?
Replies: 11
Views: 2744

What happens when a stock is removed from the index?

I tried to search for this question but couldn't find it, so I apologize if this question has already been asked many times. What happens in an index fund when a stock is replaced in the index? I assume the index will sell the stock that dropped out and buy the stock that takes its place, but what i...
by hudson4351
Tue Sep 29, 2009 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: This American Life is at it Yet Again!!!!
Replies: 20
Views: 5693

Thanks for the post. I found their last 2 podcasts to be very informative and will definitely listen to this one.
by hudson4351
Sat Aug 29, 2009 12:06 pm
Forum: Personal Consumer Issues
Topic: Building my own computer
Replies: 39
Views: 5675

Re: Building my own computer

The one component I know nothing about is the motherboard. Anybody have advice here? If this is the case I would advise not building your own PC. Not only do you need to determine which chipset you need, you also need to pick the right motherboard supplier. For instance, ASUS boards are considered ...
by hudson4351
Sat Aug 29, 2009 1:46 am
Forum: Personal Consumer Issues
Topic: Building my own computer
Replies: 39
Views: 5675

I have built all of my computers, but I would not do it to save cost. Ironically, the sticking point is usually the OS. If you plan to run something free like Linux, it could be cheaper. If you like windows, the cost of windows outstrip whatever you may have saved. In general, building your own com...
by hudson4351
Sun Jul 19, 2009 1:50 pm
Forum: Personal Consumer Issues
Topic: Changing my computer buying habits
Replies: 87
Views: 13374

If you have a minimal amount of technical dexterity, you might want to consider building your own. My box is coming up to its 4th year. I've spent about $1200 all told which includes RAM, CPU, PSU, Monitor, Hard drive, keyboard/mouse incremental upgrades. While the $/yr is likely not as cheap as ge...
by hudson4351
Sun Jul 12, 2009 11:46 am
Forum: Personal Consumer Issues
Topic: man am I fat.
Replies: 73
Views: 10865

Re: overweight?

Bodyfat percentage is also a highly imperfect measure of morbidity and mortality risk. Central adiposity seems to be the best metric. Sumo wrestlers do not have a markedly elevated risk of obesity-associated disease, because their fat is all sub-cutaneous rather than intraperitoneal. I'm not sure I...
by hudson4351
Sun Jul 05, 2009 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: ..
Replies: 50
Views: 8099

n/m
by hudson4351
Sun Jul 05, 2009 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: A 107 yr old man outlives savings........twice
Replies: 9
Views: 3472

KyleAAA wrote:I don't care how much you save, living off your savings until you're 107 is going to be a struggle. How can you possibly begin to estimate how much assisted living will cost 50 years after you retire?
The only solution is to save everything while you are working :lol:
by hudson4351
Wed Jul 01, 2009 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

Re: car insurance premiums - is a 12% yearly increase normal

That being said, Amica on whole, is an excellent company to have in the event of a loss and would think long and hard before leaving. They are a mutual company and have no shareholders to placate. They are very good at pricing risk and the increase in the premium charged is all probability a very a...
by hudson4351
Sun Jun 21, 2009 12:47 pm
Forum: Investing - Theory, News & General
Topic: Is a college degree worthless?
Replies: 133
Views: 17908

Well according to my boss, the total compensation is roughly about $80k for those within my pay grade (mine is the last for IT with overtime); technically your right about overall compensation, but man I would like a higher salary to get out of debt faster. As for your comment about IT employees wo...
by hudson4351
Tue Jun 09, 2009 12:53 am
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

I did some shopping around with the major insurance companies and Amica still came out ahead for the same coverage, even after their rate increase. Geico came in at about the same amount, but it's always easier to stay with the current company than to switch. Not only that, but Amica sells yearly po...
by hudson4351
Wed May 27, 2009 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

Re: car insurance premiums - is a 12% yearly increase normal

Excellent detective work! Premiums for auto insurance are made up of sometimes 100's of variables so it is often quite difficult to ascertain the exact reason for a premium increase. I think, however, that you've done an excellent job of evaluating the major areas of premium difference in your anal...
by hudson4351
Wed May 27, 2009 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

I'll bet its because of your age. in my case, "Hartford" insurance told me because both wife and I will be 72 this year "old age" warrants increase. i checked with AAA and they quoted and told me same thing Well I'm 26, so I've already passed the high-risk "pre-25" category, so I wouldn't think tha...
by hudson4351
Wed May 27, 2009 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

As indicated in the letter he received from his insurance company, it simply looks like he was playing some credit card games and his temporarily lowered FICO resulted in higher insurance rates. I would follow Ulan's advice and check out your score on CreditKarma and see what it is. Like he said, i...
by hudson4351
Tue May 26, 2009 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

Hudson, How is your FICO score these days? Insurance companies of all types rely on credit scores and that may have impacted your rate change. There is no negative information on my credit reports, although see the note in my first post about Amica's use of my credit to determine my renter's insura...
by hudson4351
Tue May 26, 2009 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

Re: car insurance premiums - is a 12% yearly increase normal

Which components of the insurance went up? Just collision for example? Or just liability? Collision/comprehensive will normally go down as the car(s) age. Were there any changes in miles driven to work, age of drivers, etc.? The bulk of the total increase (~40%) was to the "uninsured motorist" comp...
by hudson4351
Tue May 26, 2009 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance premiums - is a 12% yearly increase normal?
Replies: 36
Views: 7840

car insurance premiums - is a 12% yearly increase normal?

I realize that insurance rates are computed based on a number of factors and it's therefore impossible to make extremely general statements about them that apply to everyone, but I just received my auto insurance renewal information in the mail today, and Amica is jacking my yearly premium up by 12%...
by hudson4351
Tue Apr 14, 2009 1:44 pm
Forum: Personal Consumer Issues
Topic: Kids Curb Marital Satisfaction
Replies: 49
Views: 9213

Cognitive Miser wrote: Everyone knows that caring for children involves a great deal of sacrifice and hard work, yet people continue to opt to have them. I have no idea why.
Perhaps they were unplanned :wink:
by hudson4351
Sun Apr 12, 2009 4:47 pm
Forum: Investing - Theory, News & General
Topic: buying BRK.B instead of index funds?
Replies: 26
Views: 6544

There are people who love Warren Buffett. So what? There is no reason or need to refute their love or stock picking prowess. They attack my decision to index everything, and counter with the performance of BRK.B. I feel like I should be able to defend my position. If I can't, then why do I continue...
by hudson4351
Sun Apr 12, 2009 4:43 pm
Forum: Investing - Theory, News & General
Topic: buying BRK.B instead of index funds?
Replies: 26
Views: 6544

Re: buying BRK.B instead of index funds?

You have no obligation to respond to this. If you believe that you are required to adopt every investment plan that is suggested unless you can convince the person proposing it that it is flawed, heaven help you if you ever fall into the hands of a brokerage salesperson. After reading the recommend...
by hudson4351
Sun Apr 12, 2009 4:39 pm
Forum: Investing - Theory, News & General
Topic: buying BRK.B instead of index funds?
Replies: 26
Views: 6544

BRK.B is a single stock. There's not much else to say. There are many "single stocks" that outperform any index you want for prolonged periods. That doesn't mean any one of them will continue to out perform that index. They may be focused or diversified. I would not personally want to own BRK.B the...
by hudson4351
Sun Apr 12, 2009 1:28 pm
Forum: Investing - Theory, News & General
Topic: buying BRK.B instead of index funds?
Replies: 26
Views: 6544

buying BRK.B instead of index funds?

On another board I frequent, there are a few very outspoken supporters of Warren Buffett. They even go so far to suggest that owning BRK stock for one's US equity portion of their portfolio is far superior to owning index funds. They correctly point out that BRK is very diversified, and has beaten V...
by hudson4351
Sun Apr 12, 2009 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: FIOS is starting to look really good right now.
Replies: 22
Views: 5282

Also consider the fact that Time Warner is starting to roll out metered bandwidth usage - that is, there will soon be a limit on how much data you can transfer per month, and overage charges will apply (similar to cell phone plans). Unfortunately I have also read rumors that other ISPs will soon be ...
by hudson4351
Wed Apr 01, 2009 11:53 am
Forum: Personal Consumer Issues
Topic: Obesity ? Why?
Replies: 167
Views: 26571

Re: Obesity ? Why?

Is it because we are eating too much? The math is simple: calories in > calories consumed = weight gain Portion control is the key. It's not so simple. It takes an excess intake of about 3,500 calories to gain a pound. That means if you consume just 50 calories a day too much , you will gain a poun...
by hudson4351
Wed Apr 01, 2009 11:43 am
Forum: Personal Consumer Issues
Topic: Questions regarding Yale University
Replies: 71
Views: 10124

very nice Catholic Private university that was known to be "competitive". It turned out that going there was like going into Grade 13. It was very much like my high school. Very homogenous. In fact, my high school was actually MORE diverse. Instead looking at my college classmates was like looking ...
by hudson4351
Wed Apr 01, 2009 11:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Austin, Texas Local Chapter Members Out There?
Replies: 3
Views: 2249

We had a similar thread almost a year ago:

http://www.bogleheads.org/forum/viewtopic.php?t=15919

I bumped it a couple times but apparently there aren't many others here in Austin.
by hudson4351
Thu Mar 12, 2009 5:25 pm
Forum: Forum Issues and Administration
Topic: Search in titles?
Replies: 7
Views: 3835

Bump - can we have this feature added? It would really make searching easier. Every other message board I have posted on allows searching of titles.
by hudson4351
Thu Mar 12, 2009 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

There are lots of ways to approach this. If you have any substantial amount of cash in the Vanguard account, here's one approach. I have used it personally. Let's say you have $20,000 in the Vanguard account. On the same day, place an order in your 401(k) to liquidate $20,000 worth of a fund, and a...
by hudson4351
Tue Mar 10, 2009 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

FYI: With regard to mailing the Rollover check to VG. Contact the VG special service division prior to doing that and they will send you a prepaid overnight FedEx envelope that you can use for that purpose. I called their regular number and the CSR I spoke with said they do not provide prepaid over...
by hudson4351
Tue Mar 10, 2009 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

There are lots of ways to approach this. If you have any substantial amount of cash in the Vanguard account, here's one approach. I have used it personally. Let's say you have $20,000 in the Vanguard account. On the same day, place an order in your 401(k) to liquidate $20,000 worth of a fund, and a...
by hudson4351
Tue Mar 10, 2009 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

joe8d wrote:FYI: With regard to mailing the Rollover check to VG. Contact the VG special service division prior to doing that and they will send you a prepaid overnight FedEx envelope that you can use for that purpose.
Thanks for the tip. The Vanguard rep I spoke with never mentioned this as an option.
by hudson4351
Tue Mar 10, 2009 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

Depends on if the market goes up or down. I would do this. Take the value of the 401K. Multiply out what you would earn in Prime MMF in 10 days. If that is more than your $25 I would pay it. Otherwise, be patient. It might work out well or it might not. I performed this analysis and found that 10 d...
by hudson4351
Fri Mar 06, 2009 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay extra to have a 401k check rush-mailed?
Replies: 24
Views: 12173

Would you pay extra to have a 401k check rush-mailed?

I just completed a rollover from a previous employer's 401k to an IRA. Fidelity said they would mail me a check made out to Vanguard, and that I should then mail the check to Vanguard. They offered to rush-mail me the check for $25, which would guarantee I would receive it in 1-2 business days. Othe...
by hudson4351
Fri Mar 06, 2009 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

If you do not reinvest the dividend and you look directly at the final value you will see the appreciation of the fund without dividends. You will see simply the initial and final prices (NAV) of the asset. If the dividend is reinvested and you look at the final value you will see the appreciation ...
by hudson4351
Fri Mar 06, 2009 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

Thaanks Brad. Just to clarify from the above posts: a dividend that is NOT reinvested would be a negative value in this scenario, correct? That's correct. When a dividend is paid, it counts as a "negative" on that date. If it's not re-invested, that's how it stays. If the dividend is re-invested, i...
by hudson4351
Fri Mar 06, 2009 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

I finally got around to building a spreadsheet in Excel to compute my 401k's returns. I tried to compute my 401k's return from 01/01/08-12/31/08 using XIRR. Already I am seeing some discrepancies. Even if I manually plug in Fidelity's numbers for my starting account balance on 1/1/08 and ending bala...
by hudson4351
Wed Feb 11, 2009 12:25 pm
Forum: Personal Consumer Issues
Topic: How Close We Came to Meltdown
Replies: 19
Views: 4569

Re: How Close We Came to Meltdown

I saw this online this morning but am only now getting around to posting it here. So appologies if it has already been discussed. On C-Span, Rep. Paul Kanjorski (D-PA) explained how the Federal Reserve told members of Congress about an electronic run on the banks "to the tune of $550 billion dollar...
by hudson4351
Sat Feb 07, 2009 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: 0% balance transfer
Replies: 3
Views: 1174

Won't it just be the current balance on the card?
by hudson4351
Sat Feb 07, 2009 11:04 am
Forum: Personal Finance (Not Investing)
Topic: paying off student loan with 0% BT
Replies: 3
Views: 1178

Your calculation is incorrect. If you were to pay it off over 1 year now, you'd pay less than 5% of $7k = < $350 in interest. That's still a somewhat significant amount, so it might be worth it. Although I would be hesitant to transfer a favorable loan onto a CC. If you can't pay it all off for som...
by hudson4351
Fri Feb 06, 2009 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: paying off student loan with 0% BT
Replies: 3
Views: 1178

paying off student loan with 0% BT

There a couple of really attractive 0% BT offers available right now (0% for 12 months, no BT fee). I am currently trying to decide whether or not to use one of these offers to pay off a student loan. Here are the relevant facts: 1. The loan is at 5% fixed interest 2. The term is 10 years, and I am ...
by hudson4351
Thu Jan 29, 2009 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Graduate Student unsubsidized Stafford vs Private loans
Replies: 17
Views: 2734

Going into debt for graduate/professional school isn't a bad position. I myself am going to med. school next year and some people who are going complain that 35 k x 4 , they'd be 170k in debt at the end if they don't have any aid. But so what? Doctors make 140k a year starting , and engineers with ...
by hudson4351
Tue Jan 20, 2009 4:36 pm
Forum: Personal Consumer Issues
Topic: How much money is enough for you?
Replies: 37
Views: 7788

I find it interesting how widely the concept of "enough money" can vary from person to person. On one hand you have people who are content to live a typical "middle class" lifestyle, and on the other hand you have billionaires who still apparently feel like they don't have enough money. Some are eve...
by hudson4351
Tue Jan 20, 2009 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been debt-free and not liked it?
Replies: 65
Views: 12420

Good debt is when you borrow money and use it to make money. Bad debt is when you borrow money and you don't use it to make more than the cost of the debt. A few examples: $50K in student loan debt to go to Law School: Good debt because it will increase your earnings power much more than its cost. ...
by hudson4351
Mon Jan 19, 2009 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

My 401k also charges fees that are paid for out of my balance. Funds are sold to cover the cost of the fees. Should these fees appear as explicit entries in my XIRR spreadsheet, or will their effect be incorporated into the account balance at the end? My guess is that the fees do not need to be expl...
by hudson4351
Mon Jan 05, 2009 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site
Replies: 26
Views: 6865

It routinely takes 5-10 seconds for the Vanguard website to respond for me. However, I can confirm it is browser dependent. I run FireFox under Linux and when I switch to IE under Wine, there's no delays. I've tested FireFox under Windows and also no problems. (And if it browser dependent, it's up ...
by hudson4351
Sat Jan 03, 2009 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

dbr wrote: Yes, other variability aside the NAV will fall by the amount of the dividend. On a recent thread we established that for most mutual funds the day to day variability in NAV is at least as large, usually larger, than a quarterly dividend.
Do you happen to have a link to this thread?
by hudson4351
Sat Jan 03, 2009 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

There is no sell involved in a dividend reinvestment. There is a buy. When calculating XIRR you don't consider the buy to be a contribution because it is funded as part of the return. Yes, other variability aside the NAV will fall by the amount of the dividend. On a recent thread we established tha...
by hudson4351
Sat Jan 03, 2009 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do i figure out my percentage of loss/gain?
Replies: 68
Views: 16580

There is no sell involved in a dividend reinvestment. There is a buy. When calculating XIRR you don't consider the buy to be a contribution because it is funded as part of the return. Yes, other variability aside the NAV will fall by the amount of the dividend. On a recent thread we established tha...