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- Bought a ticket for the book of mormon on friday night.
- George Hotz is the guy who jailbroke the iphone, runs the company that can turn your car into an autonomous vehicle, and has a few great youtube videos. https://en.wikipedia.org/wiki/George_Hotz.
- Some cool cameos in Billions: Stipe Miocic, Deontay Wilder, Bob Menery.
- Federal reserve emergency rate cuts -> lenders drop interest rates too -> encourages spending and investing outside the government -> stocks usually rise a little. There’s some panic involved that can have the inverse effect, but usually a little rise is seen.
- Started talking to Bruey.
- I pulled out of DIS at the perfect time but I should have shorted. Don’t know why I didn’t place puts when I left.
- Increased position in most faangish companies. I’ll liquidate soon for a home before corona gets too crazy.
- Reached out about ghSMART feedback, areas for improvement observed by keen eyes.
- Used wordpress on my phone for the first time, via browser at the /wp-admin route. There’s a wordpress app, but I don’t think it’s for self-hosted instances.
- BoA.
- Met with another banker out here, since Fe has been less than responsive.
- Don’t wanna pull credit again. It reduces your score increasingly, not diminishing each time. 3 pulls in 30 days, 5 in 90 – these have marginal effects. Any more gets fairly bad.
- Finally got a hold of Fe. Told her to send me an update and the credit ref # by end of day.
- Can close in 60 days, but will be tight. Lots of people are refinancing right now because of low rates.
- ARM is great for <10yr stay.
- About 75% of the nyc market is co-ops, not condos. You basically have equity in the company that owns the building, you don’t own the deed for your property.
- Villages are more expensive. Midtown cheaper.
- All bankers aren’t the same, even at the same bank. Seniority, premium markets. Can manifest as cheaper rates, waiving points, providing 5k credit to closing costs, etc.
- I have the other lender call tomorrow as well.
- Another amazon order with soaps, coasters, household items.
- Got assigned my real estate agent. Set up a call for same day.
- Around $1500/sqft in the south parts of Manhattan.
- Pros for Co-ops: ~25% cheaper, more communal, less transient (condos airbnb usually).
- Cons for Co-ops: more communal, longer process, more scrutinizing approval.
- Employer might extend temp housing if you’re closing.
- Start looking at places next week.
- Can put in contact with lawyers if need be.
- Real estate agents get the commission, about 2.5-3% of the sale price for both the buyer’s agent and the seller’s agent. The seller pays these fees.
- The buyer pays closing costs, which includes: lender’s fee, attorney, homeowner’s insurance, etc.
- Finished Billions. Season 5 starts in 2 months on May 3rd.
- Had my first pizza and my first bagel. Been most impressed with the sandwiches so far.
- No towels in the sauna downstairs. Takes about 15 minutes to get from 110 to 160F, so go in early before the end of the workout to turn it on.
- Went to see The Late Show with Stephen Colbert live.
- 3 guests: a political guy (average), a chef (cool), and a special guest Neil deGrasse Tyson! Such a goofy guy. Just like on JRE, Tyson kinda takes over so the host gets a break, but he speaks at length about things that are actually interesting. Much more direct and discerning, especially juxtaposed with the prior political conversation.
- I’ve been to a few live tapings now (afv, etc) and this one was the most smooth. Only 1 small retake, everything else is filmed exactly as you see it on the show.
- 4 hours total. 2 hours waiting outside, 30m enter and seating, 90m show. There was a hypeman comedian for a little, then Colbert came out for Q&A, then band introductions, then the main part with a few monologues and a few guests. Band plays during commercials, as you’d expect.
- Colbert was very energetic, seemed like a genuine character. Used Purell more than 10 times during the show, from my count alone.
- Denim is made from 100% cotton!
- PMI = private mortgage insurance. Extra monthly payment. This is usually avoided if you have a good lender or a good down payment. It’s more common for government-backed loans, like FHA and USDA.
