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Wrong Hugh Chou?

Hugh Chou

Systems and Network Manager

Washington University

HQ Phone:  (314) 935-5000


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I agree to the Terms of Service and Privacy Policy. I understand that I will receive a subscription to ZoomInfo Community Edition at no charge in exchange for downloading and installing the ZoomInfo Contact Contributor utility which, among other features, involves sharing my business contacts as well as headers and signature blocks from emails that I receive.

Washington University

One Brookings Drive

St. Louis, Missouri,63130

United States

Company Description

Washington University in St. Louis is a medium-sized, independent research university dedicated to challenging its faculty and students alike to seek new knowledge and greater understanding of an ever-changing, multicultural world. The university is counted am...more

Background Information

Employment History


Incyte Corporation

Web References(38 Total References)

Welcome to The Caribbean Investor.

caribbeaninvestor.com [cached]

Hugh Chou is a self-confessed computer geek who writes digital calculators as a hobby.
He works at Washington University in St Louis ann dedicates much of his spare time to writing on-line calculators that help normal people to solve difficult math problems Hugh has kindly allowed Caribbean INVESTOR to link to his sites. Here we could provide links to his 2 sites and/ or to some of the relevant tables that I have listed below:

Real Estate - Home Finance Center - New York Times

homefinance.theledger.com [cached]

Powered by Hugh Chou, Washington University in St. LouisCalculate Again?

Bi weekly mortgage amortization schedule

show.s31.xrea.com [cached]

I was destined to meet Hugh.All of the things financial I've ever wondered about -- how much of my mortgage payment chips away at principal, how much money I'd save by brown-bagging my lunches, how my net worth stacks up to everyone else's -- Hugh has wondered about too.The difference between us is that, fortunately, Hugh has the ability to formulate calculations and turn them into Internet programs that answer all those questions.Hugh Chou is a software engineer, system administrator and computer support specialist at Washington University in St. Louis or, as he puts it, "a general purpose academic geek."I found Hugh a few years ago after a Google search for "amortization table" brought me to his Web site.I've been using his calculators to track my mortgage payments and make re-financing decisions ever since.Hugh has a unique skill set and low fee schedule for those seeking calculator construction services or personalized assistance.But his popularity likely rests on the witty commentary that accompanies his calculators.And he understands what many people don't: Financial calculators aren't just about math."You can always skew the numbers however you want them to look," Hugh says.His calculations back that up, giving great insight into how numbers can be manipulated.Take his calculator for how much house you can afford.Hugh understands that.Take his calculator for making the decision about whether to refinance or not."A lot of people think refinancing their mortgage will save their life because all of the sudden instead of paying $400 a month, they'll pay $300 a month," Hugh says.But refinancing isn't always the best deal.If you're close to paying off your mortgage, for example, you probably shouldn't refinance, Hugh says.Hugh understands that too.That's why you get his quips with his calculators.For example, Hugh points out up front the faults of his Wealth Percentile Score calculator, which helps you compare how your net worth stacks up to others in your age range."The interpolation shouldn't really be linear, but hey, I'm just doing this for fun.So, tada, here is my new calculator.Enjoy," he says.T-shirts and charitiesHugh started making his Internet calculators in 1995 when his department at Washington University wanted some content to use for testing its new Web site.That effort snowballed and, fueled by suggestions from Internet surfers, Hugh now has on his Web site 45 calculators, along with a description of how to calculate mortgage amortizations by hand.For your mortgage, you can find calculators for figuring out a loan refinancing comparison, the after-tax interest rate of your mortgage, balloon mortgage and bi- weekly mortgage payments, and mortgage duration, so you can determine how long a mortgage will last with a certain payment.I didn't trust Hugh when I first found him.But I entered my mortgage information into his calculator and tracked it against my mortgage statements for several years.He was always on target.I also wondered why -- if Hugh is so money savvy -- he spends valuable free time making calculators for the Internet without much financial benefit."I've always had an interest in personal finance, and I'm a computer geek by trade," Hugh says."I like doing a little more real world stuff."Hugh, as much as anyone, knows there's no such thing as a free lunch.He's developed all kinds of compensation arrangements for his Internet hobby.For a while, he asked grateful users to send T- shirts and sweat shirts but stopped once he had 43.Now he asks for money, which he then channels to his favorite charities.And then there was the serendipitous Bundt cake, which was delivered to Hugh's home as a one-time payment from a woman Hugh helped with her retirement plan.Hugh spends three to four hours a week answering the questions people send him via e-mail."Over the years I've heard a lot about what people need so I've tried to tweak things," he says.He asks "customers" to send him a donation, which he gives to a designated "charity of the month."Hugh has channeled more than $17,000 since 1996 to his list of charities, which includes Habitat for Humanity, the Taiwanese Association of America's Taiwan Quake Relief Fund, and the Christian Children's Fund.Less expensive lunchAs for lunch, Hugh himself brown-bags it -- the inspiration for his "Lunch Savings" calculator.That calculator requires assumptions for investment yield, and the price of homemade lunch vs. one from a restaurant.It doesn't account for certain benefits of bringing a lunch, though."As I sit here eating my cheap 'brown bag' lunch here as always at work, I thought I would calculate the small fortune I have amassed by eating like this (besides the fact that I get extra time to program and surf the Net!)," Hugh says in his commentary next to the calculator.


Hugh Chou is a postgraduate-trained computer specialist at Washington University in St. Louis.He's developed a number of financial calculators, which are available on his site, and he's also listed what he regards as several personal finance myths.

Real Estate Las Vegas Nevada - Janet Leedham Realtor - Realty Executives of Nevada

www.janetleedham.com [cached]

Calculator Courtesy of Hugh ChouInstitute for Biomedical ComputingWashington University

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