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- How I feel entering finance for the first time in my profession life right now amid coronavirus: https://www.youtube.com/watch?v=UkgP0od6iSE.
- Lost an hour last night, daylight savings started and clocks moved forward. This means my internal clock is now 4 hours off, since I’m still on PST.
- Signed up and customized a lot of marketwatch stuff.
- Leaning more toward fixed since interest rates are so low right now. Holding an ARM in 5 years when we’re back on the rise might get sticky. Leaning 30 not 15 because the rate difference is half a percent. I can do a lot better with that extra money in personal investment.
- Some average numbers:
- 250k salary would take home ~12k after taxes. Dividing by 2 is usually accurate.
- 1m home with a 30yr fixed under 3.5% and 100k down is ~5.5k monthly payment (4k for mortgage, 1.5k for property taxes, homeowner’s insurance, etc).
- Found my old rent/buy calculator.
- The interest rate actually doesn’t change the monthly payment a ton, usually a couple hundred bucks. Over time though, this obviously adds up.
- Finished the application for Roger BoA. Reached out to Brian FSB since I hadn’t heard after the other day.
- Sent the Delta companion cert expiring this month to Corey.
- Citadel sign-on should arrive at the end of the first pay period 2/27 and SpaceX should arrive on 2/24, both in time for home purchase closing.
- Standard tax deduction 6500/yr.
- Final primary exploration day.
- 5 hours, 10 miles walking.
- Did the whole south of manhattan, the villages.
- Subway. Red train from theatre district to greenwich. 1 is local, 2/3 are express.
- Neighborhoods: West village, greenwich, east village, little italy, chinatown, lower east side, NYU, financial district, tribeca, soho.
- Streets: canal, hudson, houston, bleecker.
- Bridges: williamsburg, manhattan, brooklyn.
- Parks: washington state park, union square park, tompkins square park.
- Food: katz, john’s of bleecker st, donut plant for a coffee cake donut.
- Lots of blacked out brunchers!
- As the midtown slice and the central park slice, I liked the west better than the east.
- Comedy cellar.
- Apartment from friends. Apartment from sex and the city, carrie bradshaw’s.
- World trade center memorial, and the new world trade center.
- Lots of fire and brimstone jesus folks with megaphones on broadway today.
- More homeless people in the east village and lower east side.
- It’s warmer down south. The wind among the high rises is brutal.
- Much younger crowd down there.
- NYC center for aerospace and applied math.
- East side has more boxy buildings and large identical resident complexes.
- Supreme court building. Gorgeous architecture.
- Saw >10 separate people in separate places just walking around smoking cigars today. Weird.
- Talked to some bikers. They rode into the city from Jersey. They said that riding season begins about now and goes to nov. The months off are Dec Jan Feb. They also confirmed that lane splitting is illegal, and cops will actually ticket it.
- The multiple swipes from my airport train took all $20. The guy didn’t refund. Lesson learned.
- Set up google pay to enable the tap-to-pay on the subway using your phone. Added 2 cards. Tried both. Neither worked.
- Subway to work from west village would be 20min nonstop ride on the E train. Around 3 miles.
- Checked out the sky club at my building. 65th floor. Only open thursdays, 11am-7pm. Pool, terrace, etc.
- Sent my refined preferences to my realtor. Collecting some more listings and we’ll do a marathon of tours on Tuesday.
- Season finale of The Outsider. Was good, not great.
- That’s one full week here!
