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Welcome

Welcome, all!

This page is the next step in the evolution of how I engage the world online. This is not my first attempt at writing online. Most significantly, I journaled my experience in Teach For America. But for the first time, I plan to be intentional about addressing an audience beyond just myself and the people I know personally.

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Financial plan update

So here’s where I tell you that I’ve already piloted our financial plan to it’s final state, but just forgot to write about it.

Just kidding.

In reality, shortly after I wrote the last post, I ran out of steam. I haven’t read my books yet, and I just this week started picking up where I left off, very much still in the exploratory part of the process. That said, I still think I’ve learned some good stuff.

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Our financial planning voyage — Part 1

Much like my mortgage shopping voyage, I’m starting from scratch-ish trying to make a financial plan, and I’m hoping to share what I learn in the process, and hopefully other folks can use this as a shortcut to the jump-off point for their own exploration. To begin with, I think my family is in pretty decent financial shape, so this voyage won’t be relatable to everyone. Probably young families blessed with good income. But if you’re in a similar boat, I hope this helps you out.

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Notes on mortgage shopping

I was meaning to post this a while ago, but these are the notes I took when I was shopping for a mortgage and closing the purchase of our first house. It was quite a process. As a first-time borrower, I felt like I was at constant risk of these expert lenders taking advantage of my naiveté, especially given all the stories from mortgage crisis. So, I spent a lot of time reading and double-checking. I try here to lay out what I took away from the process, without biasing it toward any decisions my wife and I made pertaining to our own situation.

Disclaimer: These are the notes of one person (me) who has bought exactly one home with exactly one mortgage. I am not an expert. I have no qualifications. I’m just a dude. This might be useful as a starting point, but I highly suggest you do your own research and confirm your conclusions with advice from an expert you trust.

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America, the pitiful

I don’t know enough about immigration to say whether this sort of thing is meaningfully different from previous administrations. But one thing’s for sure, our current administration exudes a hostility to foreigners that is unprecedented, and that perception matters quite a bit.
 
When I read about this and:
 
 
I have to think that if things don’t change, we’re witnessing the self-inflicted end of America’s role as the nucleus of human culture and knowledge.
 
We’re not becoming great again. We’re decaying.