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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.
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- Filed taxes for 2019. Consolidated 1099s from robinhood and ally. Corrected the known dates and adjusted the cost basis for the solium 1099b manually. AMT on the 3921 exercise. Some capital loss carryover to redeem from 2018, thanks bitcoin! No purchase offer participation now. 1095b for MediCal, but you don’t have to report/pay anything. Foreign tax credit for the first time, a whopping $15 from STX (Ireland) and TSM (Taiwan).
- Preapproval followup with BoA.
- Brunch with Spencer.
- Notes tomorrow.
- Wilder Fury II!!
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- Did a virtual survey of all my household goods with the moving agent. Estimated ship weight. I’m on the very small end. Confirmed pack date for next friday.
- Hockey rinks are actively cooled from underneath. The ice is only about 1 inch thick. The zamboni deposits a new thin layer that freezes. The ambient temp is kept around 60F.
- Spoke with Eric’s lenders, from Googain and Citibank.
- Initial screening call with Impact, setting up next assignment with an acclimation coach for location information, healthcare, sports, gym, social, everything. https://www.myimpactportal.com/. Explored their tools a bit.
- The Sinner last night. Starting to get all Nietzsche this season.
- Met with BoA for preapproval. Collected documents. Also began the preapproval process with Citibank mortgage in parallel.
- WordPress will compare a cached draft of your post between the backend AND the browser. Pretty neat.
- Called Alex to thank.
- Locked the temp housing in, midtown, 0.8 miles from the office.
- Morgan Stanley bought eTrade for 13b. eTrade has 5m customers, with an average per customer of 73k in assets.
- 67k people subscribe to hacker newsletter. Much lower than I thought it would be.
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- Spoke with Altair about the full relocation package. Lots to do. Packing assessment, flights, temp housing, homebuying research, selling a lot of current items.
- Ejection seats on helicopters are very uncommon. It’s newer. Most jettison the rotors to clear the way, then eject the seat or whole cockpit.
- Bought new wallet. Bought new large suitcase for the temp period.
- Itertools really does have some lesser-known gems. A lot of python folks I know don’t use them. https://martinheinz.dev/blog/16. Accumulate, cycle, much more.
- Started scheduling the bay trip as well.
- Preferred lender; the seller or build usually has some sort of partnership with lender(s). This has pros and cons, usually. Faster timelines, higher interest rates, lower competition, examples.
- Got the preferred lender list for citadel/altair.
- Did the online prequalification with BoA, set up an appointment tomorrow for the preapproval.
- Looked through a bit of NYC on redfin. Tracy suggested the villages, east, west, greenwich, noho, nolita, lower east side. Condo. There are tons of options for 1br1ba anywhere from 500k-1m. There are spots in midtown around the office as well.
- Most likely process: no homefinding trip, temp housing for <60 days, rent for ~6 months, buy. This gives time to establish bearings, find the right neighborhood, and build pay stubs for the loan. An inversion is expected this year for the shift from a seller’s to a buyer’s market, which helps me also.
- Booked the one-way flight through BCD. LAX->JFK. Monday March 2. Submitted reimbursement request.
- Scheduled dinner with Joyce and Leo before I leave.
- Scheduled a call for tomorrow with the impact group; integrating into a new city, recreation, groups, sports, etc.
- Went to the Kings game at Staples.
- Contacted the van lines homemover (paramount). We’ll do a quick phone survey tomorrow morning for estimated weight of all items, then target next friday feb 28 as the pack day.
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- Some decent stuff in here: https://www.joisig.com/rules-software-startup-minimum-hassle.
- Another docusign about conflicts, disclosures, background, etc.
- Background check with Accurate, third party.
- Scheduled same-day drug testing. Drove to El Segundo for the screening.
- SPCE (Virgin Galactic) has been obviously soaring.
- Had Raj over for breakfast, caught up. Made bacon, eggs, toast with the homemade pecan and peanut butters.
- Tried the skillet-with-water bacon method. Didn’t like it. Fill just above bacon, high to boil, medium until water has evaporated and the bacon has browned.
- Bought a baking rack, finally. No more using my smoker grills.
- Followup notes to Amazon and Netflix hiring managers.
- Scheduled the relocation agent call.
- Finished season 2 of billions.
- Started figuring out goodbye party, Sat Feb 29 beach then dinner then out.
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- Headspace just got another 93m in funding.
- Took the 10lb pork belly out of the cure. 2wks. Dried and rubbed, pepper and brown sugar. Smoked with apple and maple, then sliced into bacon.
- Read all offers side by side. Well over 50 pages total. Compared. Took notes. Some interesting pieces. Private.
- Amazon benefits: https://www.amazon.jobs/en/landing_pages/benefitsoverview-us.
- Reached out to Berkeley friend in NYC.
- Wrote Jack a LinkedIn rec.
- CA and NY have state income taxes that progress in brackets, like federal. CA is the highest in the country, from 1-13.3%. NY is 4-8.82%.
- Sales tax matters regionally within a state, but on average it’s basically the same in both: ~8.5%.
