This is it.

3 Things Learned from a Half Marathon

Posted on August 20, 2022 by Daniel Yerelian

(Also posted here on Medium)

I recently ran in my first half marathon.

Guess what happened,

I learned three new things.

Continue reading →

Posted in Health, Medium Post | Leave a comment

10% Yield Bond

Posted on July 1, 2022 by Daniel Yerelian

I had heard of a bond issued by the government where you could get 10% APR.

For a “risk free” investment that’s pretty great.

So i decided to go through the process to see how tough it was . – I timed myself and it took me 17 minutes and 3 seconds from clicking the link below to purchase confirmation.

For a bond of $10k, you’ll make at least $480 ($10k at 9.62% APR for 6 months) but likely around $800 when you can cash out a year from now.

So instead of sitting in savings at close to 0% you’ll have made $800 for about 15 minutes of work!

The rate as of this posting is 9.62%

https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm

Bonus tip schedule your purchase on the first of the month to maximize the amount of time before the interest rate is updated

If you have questions leave a comment!

Posted in Money | Leave a comment

Growing Sustainable Shrimp in the middle of Los Angeles

Posted on May 11, 2022 by Daniel Yerelian

https://www.transparentseafarm.com

Posted in Business, Food, Nature, technology | Leave a comment

Posting More – List

Posted on May 10, 2022 by Daniel Yerelian

Had a goal today to post to the site – but was having trouble getting started so I’m making a list of topics I can visit to create future posts.

Books I’ve read recently – Notes and Takeaways
Youtube for kids – My daughter is FASCINATED with YouTube kids programming and also loves seeing videos of herself – The in laws and I would like to make some videos starring her! – Document the process
Product Management – I work with digital products and am exposed to new products, tech and ways to do things – start documenting interesting products / ideas / features
Music – I use to play piano and would like to start again also am a big fan of all types of music – post videos of me playing or playlists / songs that jump out at me.
Mortgage and personal finance – I am currently a product leader for Core Digital Media part of the Rocket Family of Companies – We aim to improve peoples lives financially. – Thoughts and data on consumer debt, interest rates, home ownership and home improvements
Gardening / Plants – I like plants. A lot. I recently built a garden for my wife and think more plants = better life
Cooking – I like to try new recipes and constantly add or combine ingredients / dishes – document cooking process and add receipt for posterity – for example
Nature – I love to hike and camp we also love the ocean, with a 3 and 1 year old we’ve taken a hiatus from camping – but we are getting ready to go out ad explore again – and the beach is always close by!

Posted in General, Ideas, Reference | Leave a comment

5 Best ways to get Down Payment for a Home

Posted on May 1, 2021 by Daniel Yerelian

What is a downpayment and how much do you need?

With mortgage rates at historical lows and more people than ever working from home everyone is asking how they can they purchase a house or condo.

Step 1 is getting a downpayment together. There are a range of downpayment options ranging from 0% if you are a Veteran all the way up to 25% or higher down if you want a lower loan amount.

So for example if the house you want to buy is $300,000 and you want to put 20% down you will need to have $60,000 to put toward the house.

Then a bank or lender like Quicken Loans will loan you the remaining $240,000 . This $240,000 loan is also called a mortgage.

See below for amount you would need to put down for different types of loans for a $300,000 loan

So explore all the options and programs to see how much of a downpayment you will need. If you aren’t sure you can reach out to lenders like Quicken Loans and they can help guide and ask you the right questions.

5 ways to get the money for your downpayment?

Continue reading →

Posted in Business | Leave a comment