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- There’s a fitness center/sauna/yoga/basketball/etc in the new housing, so I don’t need 24 anymore. Will cancel tomorrow. Payment cycle is on the 10th, so I’m 2/3 in.
- Goodbye party with everyone 🙁 Beach, dinner, junkie. Allie Jcriss Kiki Ed Raj Lindsay Brian Sharon Holly Stephen Katilin Remy Ken Britt Nick Perveen Art Gary Sean Jonny Jenny Kyle. Christine and Noe were doing a scavenger hunt for their 30th so we got to see them too, Coach Boots Erhartic Klein Zach Melissa AK.
- Corona stock has plummeted due to coronavirus, even though they’re completely unrelated.
- Jack bed pickup.
- Final donations, and then many trash runs.
- Fully out of the old house!
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- Packers came to box and load everything. 3 hours total, 3 guys. Under 3k lbs total; they had done a house with >16k the day prior.
- Donated over 100 items of primary clothing!
- Investment transfer cleared. 60k to play with unencumbered in the next couple weeks.
- Officially changed address with USPS. Played around a bit with mymove.com. Will get the new license at the DMV in NY, and will handle voter registration later.
- letsencrypt issued its billionth cert yesterday. Amazing. https://letsencrypt.org/2020/02/27/one-billion-certs.html. Https encryption has risen from around 60% to 90% over the last couple years.
- Called BoA again, no update from the loan officer. Citi hasn’t been the most punctual either. Things have sure changed in a decade!
- Delivered the smoker to Petty’s.
- Briley came, full truck load and couch.
- The instant deposit limit for rh is actually proportional to your spending power, jumping from 10k to much higher.
- The secondary trip home is only offered by altair if you haven’t moved your household goods yet, so I’m ineligible for the bay flight.
- Saw The Invisible Man.
- Updated my purchase offer volume and valuation charts. Made my election.
- Hung out with Natalie!
- Said goodbye to Mouse 🙁 10 years.
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- REIT = real estate investment trust, companies that own property that you can invest in, trades like stock. REF = real estate fund, just a mutual fund that focuses on public real estate companies.
- RSVPed to Bryan and Aimee’s wedding! Wes had a great idea for a gift.
- Clean python tracebacks: https://www.willmcgugan.com/blog/tech/post/better-python-tracebacks-with-rich/.
- Haircut.
- Laundry.
- Finished all the packing and organizing. A huge amount of work.
- Markets have not been kind the last few days.
- The Gentle Barn is a nonprofit in LA that will help re-home your pets. Emeraldscales.com is a great one specifically for reptiles, something like $50 for shipping. Petco will only take reptiles back if you have the paperwork to prove that you bought it at that location.
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- Finished season 3 of Billions, just one more.
- Bob Iger stepped down a bit early, Bob Chapek to step up.
- Scanned and sent back the signed lease for temp housing.
- Ocean Diner with briley.
- Healthnet through Mar 1. Employer starts Apr 1 likely.
- Sherisse inspection. All the usual cleaning, plus blinds and windows. Estimate: $560. Round to 600 worst case, 2500 deposit, briley gets 400 for cat, then we each get 750 after that. She’ll mail the check to him.
- Significant work on the house. Went through: living room, kitchen, bathroom, hallway/cabinet, balcony. The only remaining spaces are the bedroom and the garage.
- Python package to fetch news: https://github.com/kotartemiy/newscatcher.
- Went to Kings vs Penguins (Sidney Crosby) at Staples, 3 times in 1 week. Upset!
- Paid the toll online for 73 south to Laguna woods last night, $8.65 for a few miles. Absolutely ridiculous. Worth a detour next time.
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- LTSE = long term stock exchange, an actual exchange opening in a couple months based in silicon valley. https://marker.medium.com/silicon-valley-is-quietly-building-its-own-wall-street-9c0b34f25a27.
- The FDA banned kratom sale on Amazon a few years ago. You can still buy it online through many other vendors.
- Followed up with the temp house liaison since I arrive in 6 days. Got the lease, printed, signed.
- Checked the date-corrected solium 1099b, all good with the prior filing from my manual corrections.
- Followed up with the boa loan to discuss variable rates.
- Netflix releases Dispatch, a crisis management toolbox: https://medium.com/@NetflixTechBlog/introducing-dispatch-da4b8a2a8072.
- Followed up with Altair on the shipping of the 3 motorcycles.
- Call with Impact. Was helpful.
- The village, greenwich, washinton state park, west, east, NYU. Liberal, young.
- Midtown does have some residential. Lot of flux, mostly business.
- Upper east and west side neighboring central park. Cool areas. Little more expensive than the village.
- Recreation and softball and such in all the parks.
- Most highrises DO have a parking garage! Or one nearby. Can fit 3 bikes in 1 spot, shouldn’t be too much a month. Driving out of town to the beach is amazing in the summer. Will also be useful just around town when I need it. Definitely keep the motorcycles.
- If I need anything else off my plate (doctor lookup, garage finding, sports leagues, etc), just call or email her.
- Would advise renting for a bit then buying.
- Went to Laguna Woods to have dinner and say goodbye to Joyce/Leo/Joe 🙁
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- Remember that even rh gold deposits take few days to settle. You get 10k immediately but the full amount takes the usual few days.
- I still am amazed at the 31.5% of s&p from 2019.
- Clippers Grizzlies with Harner at Staples.
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- https://owning.com/ for very low rates to compare against, show the broker to match.
- Fixed rate for 15 or 30 years, or adjustable rate. Lock in the starting rate for 5 or 7 years, then it becomes variable. It’s usually very low at first, and then there’s greater risk of increasing later. You can sell/refi at that time.
- Scheduled haircut.
- Remember the writeoffs. Remember that living aside, it’s just another investment. Better to take a mortgage if you have other assets that are appreciating at a higher rate than the interest on the loan.
- BoA 3.375 for 30, 2.875 for 15, with 20 down, fixed. Great rates. They reduce even a bit further with 250k in boa merrill lynch.
- I don’t like being in debt for 30 years, even if it’s the better long play. Maybe 5/1 ARM, 15yr, 20down. Could probably get interest rates as low as 2.5% with a 2500ish monthly, if the home is 500-600k. We’ll see.
- Started using BoA’s Home Loan Navigator tool. Integrates nicely with the rest of the account.
- Regenerate preapproval letter to max at your best offer so the seller doesn’t see the higher ceiling and push.
