Money Monday: Mortgage Shopping

For reasons I won’t disclose here, my most recent refi was denied. You can ask me offline for the details, but I made a stupid mistake which caused the reviewer to question my residency.

Back to the drawing board. I read in the news clips that Costco is now offering mortgages through a handful of stringently-screened brokers. OK, if you haven’t refi’d yet. This is it. This is the Kayak.com of low interest rates. Go to Costco.com, then search for mortgage. It’ll step you through a questionnaire, then spit out rates offered by their vendors. I am eyeing the 3% 15-year or the 3.625% 20-year offered through CapWest Mortgage. But if these vendors are backed by the Costco name, I’m sure they’re all fine. Those rates are for a condo with zero points. And the fees are around $1k. Hot damn.

Oweeee!

I spent the better part of the morning taking care of health stuff. I decided it was best to get everything done at once, submitting consent forms and paper work to the endocrinology department, getting a pap smear, obtaining sperm cups, and suffering through a painful x-ray exam that entails pushing dye through your fallopian tubes. When they say you will feel mild discomfort, that is code for pain. You will feel pain. The nurse, the intern, and the nurse practioner were all really sweet, with off-the-charts bedside manner, but I am pretty sure none of them have had the procedure done on themselves! When it was over, the intern touched my shoulder. “How was it? Not so bad?”

“No! It was bad.”

I’ve been sullen all day. Walked down to La Boulange to grab a few chocolate chip cookies. What is going on with the weather? It’s a mope from home day.

Happy 80th Birthday Marty

Friend: Any plans for the weekend?

Me: I’m going to an 80-year-old birthday party.

Friend: You have an 80-year-old friend?!

Me: Yeah, he’s my friend from Burning Man.

I had the privilege of attending a glorious 80th birthday party today that not only celebrated the birthday boy Marty, but also emphasized family. Marty has 4 families: his immediate family, his Chinese family, his tennis family, and his Burning Man family.

Marty’s 4 successful kids organized the event at Cafe Arrivederci in San Rafael. The weather couldn’t have been better. We were there until the end, soaking up the Marin sunshine. I don’t know a lot about Marty’s history, so it was particularly endearing seeing pictures of him through the years, including black and white shots of a young, grinning Marty during his Bar Mitzvah. Marty was an only child which, to me, totally explains why he wanted to have a big family.

Guests had a chance to say a few words at the mic and one friend described the first time he met Marty. Marty, who was supporting his daughter at an LGBT parade, was stuck in the back, hauling water and ice for the rest of the crew. It was obvious how proud Marty is of all his children and grandchildren.

A Chinese woman spoke about how special Marty is that 25 years later, she’s going to her boss’s birthday party. Her family has become his family which he says is his Chinese family.

The tennis family was the most touching. A bunch of guys have been playing tennis together regularly for 40 years! They talked about how Marty is the one who organizes the matches and even when he was in the hospital undergoing triple-bypass, he was on his computer making sure the guys were still playing. Dick Cheney, I swear to God, is part of the tennis family. Once the pictures come out, I’ll have to post them. Dead ringer for Dick Cheney.

Lastly, there’s his Burning Man family. That’s me! I’ve gotten a lot of slack for going to Burning Man for 10 years in a row. The questions being, ‘Aren’t you over it?’ ‘Aren’t those days of partying over?’ ‘You’re going to Burning Man again?’ It’s not about the partying. It’s not about the music. It’s not even about the art. It’s always been, for me, the annual reconnection to my family. It’s those ties that have sustained me for this long. I am taking a break from going to the event this year, but the thoughts are churning around a simultaneous week long vacation with my Burner friends in Mexico instead of the playa.

It was such a beautiful celebration that people were saying they wanted to have an 80-year-old party just like that. Well, I want to have a 40-year-old party just like that! Why wait? Marty joked that the party was like being at his wake, except that he’s around to enjoy it.

Fashion Friday: Rodarte

You know what I love best about the Rodarte label? That the creators are two LA-loving, UC Berkeley-educated sisters. We went to Pop Up magazine this week (more on that later) and a photographer showcased snapshots that she took while following the duo for a couple weeks. The magazine issues are live (as in played out on stage) without any archive of the event production. So I can’t post any pictures from the event, but below are some I found online of Rodarte fashion.

A quote from one of the sisters Laura Mulleavy on what inspires her: I think it has something to do with living in L.A. I tell people who come here, “I want you to drive out to Joshua Tree or even Death Valley, because you’ll experience this weird freedom of living here, that you are in this alien, bizarre, prehistoric landscape that feels like the edge of the universe.”

My Retirement Home

Where do you plan on retiring? Sometimes I think right here. Other times I think some place tropical where people speak Spanish. Or in Canada; that natural rugged landscape is beautiful.

But lately I’ve been thinking I’ll retire to the Mechanics Institute. What’s special about this library is that it’s private, but anyone can be a member as long as you pay the annual dues. For one person, it’s about $100 for the year. It’s open every day except for the major holidays, and from 9am – 9pm Monday through Thursday. It closes earlier on the other days of the week.

Because it’s private, there are always big cozy leather chairs waiting for you to sink in with a new book. Computer terminals are available to surf the web and check your email. What I love most is the periodical section. Every newspaper, all the most subscribed magazines. A Warren Buffet look-a-like sat next to me today. The old guy had packed his lunch and was covertly snacking while reading the paper. So cute. I can totally see myself packing a lunch and spending the day in the library!

For me, that’s the best way to die. Sitting in the library, relaxing in a chair, and reading a classic. Bliss!

Interviewing: High and Low

I’m not going to blab about several weeks of interviewing. Instead I thought I’d describe one high and one low moment.

Low

It was a 3 on 1 interview with three gloomy consultants on one side of the table and me on the other. No warmth, no friendliness, all business. I felt like a lamb in a lion’s den. Let me preface that if I were in their shoes and looking to hire someone, I would be completely normal. I’d ask the candidate about their background. I’d tell them about the position. Then I’d have them talk about why they’re interested and qualified. Simple enough.

That’s not what was on their agenda. All they cared about was hiring the smartest person for the position. Are you smart enough to work along side us? That’s what they wanted to know. People, this isn’t a Mckinsey or Pimco interview! Besides, we’re peers. We work for the same company and that’s how you treat me?

I asked for more clarification on the job description since it was written very generically. Bad move. I offended them. “What do you mean the job description was vague? What was vague about it?”

After a painful hour, they asked if I had any final questions. The interview had gone so poorly, I honestly thought to make a joke of it. I was so tempted to say, “Look, it’s obvious you guys don’t like me. And I sure as hell am scared of you. So I’ll just see myself out.”

But instead, the little lamb said, “No, I think I”m done.”

High

Several highs more than compensated for the low I described, but I was excited when an email came through this morning from one of the companies I’d been interviewing with. I’d told them bluntly via email that my search was over, so there wasn’t any point in continuing to interview with them. They asked if there was any way I would reconsider, and if not, they wanted me to know that there was always a direct line of communication to them if my plans change in the future. Super nice. Now that’s a company I’ll always have in the back of my mind.

Career Relief

Wow, that was a long absence. I’ve neglected blogging to focus on my career and financial well-being. Thrilled to report that the weeks of interviewing and hard work yielded the perfect result. I’m extremely happy and feel truly blessed. I would never want to be in the position of looking for a job without being currently employed. For that, I know I’m lucky. On the flip side, constantly interviewing while having a full-time job has been overwhelmingly exhausting. As I mentioned before, I soothed myself by flipping through travel magazines. All is good now and I’ll get back to blogging more soon.

Money Monday: Airbnb Booking

I’m fanatical about Airbnb. With hotels gouging customers with service charges and resort fees, I’d rather stay some place and know exactly what the total cost will be up front.

We will be in NYC next month and I’ve been searching for a place when I’m done with work and Dean flies in. I honed in on this cute apartment in the Meatpacking for $199/night. I emailed the owner and it was already scooped up for the Memorial Day weekend.

So instead I’ve locked in this studio in the village. Kinda reminds me of our place here in SF. $165/night. Great place, great rate.

Daily Interviews

I’ve had at least one interview every single day this week and the same schedule again next week. Interviewing is exhausting and I’m super anxious. I can’t sleep. I jolt awake in the morning in fear. At some point, someone’s going to be pissed. Upset that I leave one job, or upset that I don’t accept another one. I need a thai massage.

Or a vacation. Yes, definitely need a vacation. Yo NYC’ers. Don’t forget I’ll be there Mid May. Par-tay!

Anxiety aside, I think I have the bestest of friends and the greatest support network in the world. Spending every lunch and happy hour this week with friends who were there to listen and advise. Priceless.

As a diversion, I went to the Mechanics Library tonight and picked up a batch of National Geographic Traveler, Sunset, and Travel & Leisure magazines. Can you tell how much I’m itching for a vacation?!

Fashion Friday: DSW

DSW, the mother of discount shoe stores has taken up residence in Union Square at the former Borders building. 4 floors of mens and womens shoes: flats, dress, walking, running, boots. This is not your typical DSW store. It is the mega store. Those $500 shoes you see in the magazines? Yes, they’re there. I was floored by their selection. One hour browsing is not enough time.

Fortunately or unfortunately, however you want to think about it, there are limited size 5s and 11s which is why they are noticeably tagged with a bright neon sticker that says 5, 5 1/2, or 11. I told the sales people to please get more 5s, but I also wanted to thank them for making it so easy to find my size.

Unbelievable selection. Must check it out.

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