What Does That Even Mean?

I am sure at your work there are certain words and phrases that are specific to your industry or group or line of business. When running, we definitely have things we say that are foreign to a non-runner (for example: negative splits, aid stations, pacer, tailwind, drafting). At work there are also some where I am not sure where they came from but if you have been in the business for a while, you will use them. I sometimes forget when there is a new person that they have no idea what I am talking about, and I have accidentally used some of the phrases in my personal life, where all I get is a puzzled look. 

When I used to work at Nordstrom, people who were going out for a cigarette break would say that they were going for a two-and-two. It came from Chuck Woolery and the Love Connection (a commercial break lasted two minutes and two seconds), but it was so often used that they would also just flash their manager a peace sign/piss off sign on their way out the door and the manager would know where they were going. 

I am going to loop you in to some of my current work slang so that the next time I throw one of these phrases out, you will know what the heck I am talking about. 

Color: Information. We often need information about a specific company or industry or a bond, etc. and we would call up someone on the research team or a trading desk and we would ask them if they could give us some "color" on that item. Or they may come to us to offer us color. If there is a new item they think we should look at or buy or sell, they would call us and say that they have this item and here is the color on it. 

Dry Powder: Cash on hand. Let's say you have an investment account with Apple, Amazon, Best Buy and also you have some cash. The cash would be called dry powder, as it is available (dry and ready) to spend. I believe this came from when you had to use powder in your musket or cannon and it was imperative that you keep it dry (i.e. ready to use). 

Ack: Acknowledged. I don't think this is industry related, but a colleague of mine started using it to respond to pings (instant messages) and it stuck! Now whether verbal or written, if someone gives you a task or tells you something, we always "ack" to show that we heard them loud and clear. This is one that I accidentally responded to my brother in a text message, so now it has spread wider than just my work group! 

Knock-on effect: Domino effect. This is the effect where one action indirectly causes another. This is not specific to finance, but I have heard it a lot in my industry, as in the markets and the economy one action can definitely be linked to or can cause others. 

De minimis: So small that it is not worthy of attention. The first time I heard this, I thought the person meant to say "minimal," but de minimis is its own word! If you have to pay an extra one cent for a one million dollar investment, you may say that it was de mimimis. 

Peri passu: Basically the same ranking. In Latin, this means "equal footing," but in the bond world it usually means that the bond has the same rank or will be treated equally in the case of a default. 

Fungible: Interchangeable. Nope, we are not talking about mushrooms here. Although I guess you could say that a Portabello is fungible, since you could replace it with a Bello. Actually, since last year, more people have probably gotten more familiar with this word through all the news of NFTs (Non-Fungible Tokens). Basically it just means that something can be replaced or substituted by something else and in the bond world usually describes two bonds that are essentially the same except for maybe a maturity date, so they could be swapped out with little effect. 

There are many more of these but I will save them for another post. 

What weird phrases, acronyms or terms do you use in your work life or for a specific hobby? 

Looking Back: 2020 Money Pie

Unfortunately, in 2019 the system that I use for compiling my data had a glitch and I decided not to recreate everything, so I never got 2019 data all put together. This year, I was interested to see how my spending stacked up to prior years, as I did not spend as much money on travel, which is generally my second biggest category. I also wanted to break out some of my shopping a little more fully, and so I spent some time looking through my Amazon, Costco and Walmart receipts since a lot of those are multiple categories, whereas in years past I just called Costco "groceries" and Amazon "shopping." 

So without further ado, here is the pie!

Overall, in 2020 I spent 94% of my average over the years of 2016-2018, or 6% less than normal. The categories that decreased the most in dollar terms were Travel and Dining Out and the categories that increased the most were Groceries and Health. 

Home: (Increase 2% YoY) This category includes mortgage, utilities, garbage, taxes, insurance and garden. As you can see, this is my largest category by far. However, I spent a little more than I normally do in this category, and I chalk that up to the fact that I decided to start paying a little extra toward my principal midway through the year. Otherwise this category dollar-wise has been very consistent through the years and is always my largest.

Groceries: (Increase 62% YoY) Woof! I spent a lot more on groceries than I normally do, which is probably due to the following: (1) I bought a lot of non-perishables online and I probably went a little overboard. (2) I stocked up at Costco a few times. (3) I decided to experiment with making my own dehydrated meals and also tried some new foods for camping trips (that could be its own post!) (4) I  cut out sugar and am eating more natural items and I tried a lot of new products for this as well (this could also be its own post). However, an interesting note is that if you add groceries + dining out, I spent less in total this year than I do on average (almost 20% less). 

Transportation: (Increase 14% YoY) This category is often my third biggest as it consists of daily public transportation commute costs plus any car related costs like gas, tolls or maintenance. This year, due to COVID, I actually did go into work every day, but I drove instead of taking public transportation, which upped my car related costs significantly. In addition, I had to buy two new tires and a new side window for the Red Rocket in 2020. 

Travel: (Decrease 64% YoY) This includes any flights, meals, lodging or activities while traveling. This year I took one flight and paid for one that I did not use. Otherwise, I took a couple of road trips. I tried to be more diligent with breaking down my costs, so this does account for all camping, food, gas etc. that I used while doing the road trips, but there were a lot of cooler and backpack meals and wild camping, so the number was very low. 

Misc.: (Decrease 36% YoY) This category is mainly gifts. There are a few credit card fees in there as well, but they are minimal. Normally this includes education, hair cuts and massages, but well...I paid for my education in 2019 and it's still postponed, and there have been no hair cuts this year and I decided to put my one massage in Health instead. 

Entertainment: (Increase 10% YoY) This consists of any running, camping, music or national park related items or any other fun activities (excluding travel). This category was larger than normal because of my different allocations this year. In prior years, running shoes were under "shopping" but this year I decided to put them under entertainment. In addition, if I bought food that was only going to be used for camping (a bit of a grey area at times), I categorized it here. The big ticket items were a new tent, two concerts and three pairs of running shoes (I always buy them if they are on sale). 

Health: (Increase 69% YoY) This consists of gym membership, health insurance, doctors visits and things like vitamins and protein powder. This year my insurance increased a little, and I also spent some money trying to figure out a pain I had in my foot at the beginning of the year. However, I did finally cancel the gym membership that I was paying for every money but not using! 

Shopping: (Decrease 29% YoY) This category was mostly toiletries, home supplies and kitchen gadgets, with the bulk of the total going towards a new Ninja. Actually my second largest subcategory here was pet supplies. Gato had fleas a few years ago and I have happily spent money on flea treatment and prevention since then. Fleas give me nightmares.  

Dining Out: (Decrease 90% YoY) Most of my dining out is covered in travel. In fact, I only dined out a few times in January and February when I had some friends visit and we went for beers etc. Otherwise, I bought burritos for my two office mates mid-COVID but that is it! 

The Verdict?: I am now an expert at online shopping. I know where to find a good sugar-free jerky and that MRIs and pet supplies are expensive. Reading and weeding are both free. Owning a house is not. I wonder if next year's grocery number will be lower because I will still be working my way through all of the beef sticks and protein powders that I bought this year. 

Did you spend more or less in 2020 than you normally do? Which categories do you think differed the most year over  year? 

Looking Back: December

Well, that was an interesting month. On December 7th, California imposed another Stay at Home requirement, so I got a lot of stuff done around the house last month!

Running: Definitely not my highest running month ever, but December went out with a bang when I realized on the 29th that I was less than 5,000 feet away from having a total feet climbed of 400,000. So on the 30th, I went and ran up and down a hill near my house a few times and on the 31st instead of drinking champagne, I went and did a trail run to get those last few thousand feet of climbing in. I ended the year with 400,433 feet of climbing. 

Reading: In December I read my most books ever for one month. None of them were total duds, although I did give one book two stars only because I did not like the tone of the narrator (I listened to it as an audiobook and the author was the narrator). My favorite was Christadora, which made it into my top books of 2020. A few others I enjoyed were Gimme Everything You Got (an easy, fast YA read), The Black Swan of Paris (who doesn't love a WWII French resistance novel) and On Tyranny (an interesting comparison between Nazi Germany and the current US).

Travel: Crickets! The furthest I traveled was my commute to work. Oh, I also went to Costco once for a grocery haul so I would not have to go to the store a lot during the shut down. Other than that, I guess going back and forth from the kitchen to the bathroom were my big forays for the month! 

Misc.: I actually got a lot of those little annoying things that you do not like doing done in December. I cleaned out several closets, sorted and threw away paperwork, finally deep scrubbed the bathroom grout, installed a security system myself (it even works!), went through that darn junk drawer and other assorted things like that. I also worked in the yard a couple of times each week, as the Maple tree just keeps giving! I am also doing a lot of video calls!

How was your December? What did you do for the holidays? Did you read any good books? 

Best of 2020: Books

Well it's that time of year again, time to do the wrap ups! This year, due to spending a lot more time at home than I normally do, I read a lot more books than I normally do. In fact, this is the most books read per year since I started tracking and even more than some of the years where I was not working and was traveling a lot. In addition, I read over 20 books in one month alone, which is definitely the most I have ever read in a month! I guess it was that kind of year! 

I always like looking back and remembering what my favorite books were for the year and really enjoy reading other people's lists as well (and adding books to my to-read list!). Here are my recaps from prior years: 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, and 2011.

And now, in no particular order, here are my favorite ten twelve books that I read in 2020. 

Five Stars:

Daisy Jones and The Six by Taylor Jenkins Reid: This was a very entertaining book about a rock band in the 60s; it's all about the sex, drugs and rock and roll and it doesn't disappoint. It is written in an interview style and goes back and forth between stories, but that does not detract from the story at all, in fact, it actually made it very entertaining, in my opinion. 

The River by Peter Heller: Two friends go out on a fishing trip in Northern Canada thinking that they are going to have a nice time catching up, fishing and enjoying nature but they end up getting more of an adventure than they bargained for. I won't say more in fear of spoiling it for readers, but let's just say that I finished this book in one day! 

This Tender Land by William Kent Krueger: In the 1930s many Native American children in Minnesota were separated from their families and sent to be "educated." This is the story of two brothers who attempt to escape this life. You really begin to like these brothers and their friends and are rooting for their journey to succeed. Of course they come upon hard times and danger and adventure along the way. 

Catch and Kill by Ronan Farrow: I actually did not know what this book was about when I started it; I only put it on my to-read because it had good reviews. However, once I started it, I was both disgusted and enthralled by the story. It is an investigative journalism story about the Weinstein ordeal, not only what he did, but how hard it was to find women willing to testify and how corrupt and controlling the big men in big chairs really are. It was very interesting hearing some of the "behind the scenes" information. 

Bad Blood by John Carreyrou: This was another investigative journalism piece about an ordeal that had been in the news a lot but that I did not know a lot of details about. This talks about the Theranos scandal, which if you are unfamiliar was a company that sold a machine that did blood testing, but they were delivering fraudulent results. Once again, there were some big power people at play here and the fight between might and right is in the forefront of the situation. 

Unorthodox by Deborah Feldman: This book was written by a woman in the strict Satmar sect of the Hasidic Jewish faith. She talks about what it is like to be in a faith where woman have little rights. She is married off at an early age to a man she barely knew and after getting pregnant, decided to try to escape. It is not easy however, as the sect keeps to themselves and if you leave you are often ostracized. I learned a lot about the faith through this book and wanted her to be able to just leave but also understood the difficulties of trying to do so. 

The House in the Cerulean Sea by T.J. Klune: This book is about a man who lives a pretty by-the-books boring life. One day, his employer sends him to an island for an assignment and it turns out to be one where there are magical (and dangerous) children. He is there to evaluate them and their caretaker and in the end, he gets more than he bargained for. This was a touching book with a couple of twists thrown in and was one that was hard to put down. 

Christadora by Tim Murphy: I had this on hold for a while and finally got it right at the end of the year so it was a last minute five star add. About a family through time, it talks about the struggles of the AIDs movement, issues with addiction, mental disorders and emotional pain. It does jump back and forth a little between time periods, which was a little difficult, but all in all, I thoroughly enjoyed it. 

Four Stars: I had a lot of four star reviews this year! Normally three stars is more common for me, basically when I found a book good but not totally wow, but this year I either got more generous or more of them caught my fancy! 

The Giver of Stars by Jojo Moyes & The Book Woman of Troublesome Creek by Kim Michele Richardson: I am combining this one, because both of these books are about the packhorse librarians of Kentucky and they were both very enjoyable. The packhorse librarians were a group of women in the early 1900s who would ride horses through the remote mountains of Appalachia to deliver books to people who lived too far out of town to come in and get them. In 1930, about 30% of the people living in eastern Kentucky could not read and did not have a school to go to, so this was their only way of learning. These books were both fiction, but they gave me a very interesting peek into the way that things worked in that area, and they make me think of how lucky I am that right now I have about 20 books checked out from the library! 

Rodham by Curtis Sittenfeld: This book is a fictional book about what would have happened to Hillary if she had not married Bill Clinton. It has a bit of raunchy areas that I felt it could have done without, and they made me cringe a little, but otherwise it is entertaining and sometimes when reading (or listening in my case) you forget that it is not a biography. I had to go and look up a couple of things to see if they really happened! 

The Vanishing Half by Brit Bennett: I am not the only one who liked this book; it is on a lot of the top 2020 book lists and that made me put it off for a while actually. However, once I read it, I saw what all of the hype was about. It is about a set of light skinned twins who run away from home and one of them goes off and passes herself as white while the other moves back to their hometown with their mother. They live very separate lives for a while but eventually their paths cross again. 

It was hard to pick only ten this year as I read a lot of good books (hence the extra two)! Some of the others that I enjoyed this year included: A Burning, We Are Not From Here, The Girl with the Louding Voice, We Were Eight Years in Power, The Last Train to London, Sigh, Gone, Saving Ruby King, Know My Name, One of Us is Lying, Dear Edward, Shoe Dog, The Story Keeper, City of Girls, Cilka's Journey, Talking to Strangers, I'll Be Gone in The Dark & I Am Malala. 

What were your favorite books in 2020? Did you read more this year than you normally do? 

Looking Back: 2020

At the beginning of December, the Bay Area was placed back into Stay at Home lockdown. Although plans for this December were not as hearty as other years, I did hope to have a couple of socially distanced gift exchanges or hikes with friends. Instead, I put packages in the mail or dropped them off on people's porches. I scheduled a new round of video calls. I downloaded extra audiobooks onto my phone in preparation for solitary runs. 

There has been a lot of that this year; there have been many broken plans, many frustrations, plenty of audiobooks and a lot of time to reflect and think. There has been a lot of solitude for some and a feeling of being stuck with the same people in the same house forever for others. We have had to have patience and understanding; we have had to have flexibility. We have worried about our loved ones and been angry at them for their beliefs, just as they have been angry at ours. We have seen people in our lives sicken; we have been affected either directly or indirectly by an instance where someone has not recovered. 

January 1, 2020 - View from Mt. Tam

We adapt; we grow; we learn about ourselves and our resiliency when faced by adverse situations. I know that I am introverted; I love to read and putter around the house; I am happy on the couch with a blanket; I can measure success in small ways: reorganizing my closet for the hundredth time (success equals getting rid of even just one running shirt) or making lists and crossing things off (Yay! I went grocery shopping!). We can edit our goals; this year I read more books than I ever had in one year (success!); this year I went to a national park in California that I had not been to before (success!); this year I grew an onion in my garden (okay, it was two onions actually, but...success!); this year I did not gain weight. 

We will probably look back at this year in twenty years just like we do with 9/11 or whatever trauma we know in our lives and say, "where were you when..." or "can you believe we did...?" I lived in Istanbul for a few months, and I missed my first Thanksgiving with my family. At the time, I thought it was hard, but afterward, when looking back, even mere days after, it was not that bad. I have stories to tell about it. Did you know that I could not for the life of me find a turkey in Turkey? I had to make due with a chicken. And some of the side dishes were....creative. But it was an adventure. 

This year I missed all the holidays with all of my friends and family, but in the grand scheme of things...it is not that bad. We are all happy and healthy; we all have jobs; we all care about each other and have been there for each other even when we are not feeling motivated.  This year has been an adventure. Adventures are not always fun. The dictionary defines them as: an unusual and exciting, typically hazardous, experience or activity. I would say that this year qualifies. 

Look, there's hope! I can see it! (PC: MW)

So long 2020; here's hoping that our adventures in 2021 are a little less pandemic, a little more rock and roll. To all my friends and family, here's hoping that in 2021 our adventures will be done together! 

How would you sum up 2020 in one word? What adventures do you hope for in 2021? 

Looking Back: November

As I ran around the neighborhood last month, past Christmas decorations, I wondered how it could already be November going on December. Now that we are in the last month of the year, it feels as if this year has gone by in a blur, while also crawling along at times. I know this month will also go by fast, although not as fast as years past, when every weekend in December is filled with parties and lights and celebration. This year will be a quieter December but maybe it's just what is needed: a bit of reflection and a glimmer of hope for the year ahead. 

Running: I took another road trip at the beginning of November and spent some time on the California coast running in places with blue skies and views of the ocean. I also tackled a couple of the higher peaks in southern California: Mt. Baldy (San Antonio) and San Jacinto. Unfortunately due to fires, I could not conquer the third of the three saints (San Gorgonio). That's going to have to be one to go back to later! Total miles: 220. 

Reading: Not having to study coupled with no travel (aside from the first week) meant lots of time for reading last month and there were quite a few good ones! I ended up reading twenty books, which may be a record for me! Eleven were audiobooks and I gave five stars to one book and four stars to ten books. Some of my favorites were: The House in the Cerulean Sea (*****), The Vanishing Half (****), Sigh, Gone (****), Saving Ruby King (****), We are Not From Here (****) and The Girl With the Louding Voice (****). The rest can be found here. 

Travel: As stated above, the only travel I did was a California road trip. In one week I went from camping in 98 degree weather in the desert to hunkering down on a snow covered mountain with temperatures in the high teens or low 20s. It was quite an adventure! 

From the beach....(Big Sur)

...to the snow covered mountains (Trinity Alps)

Misc. & Etc.: Other than the above, my big excitement for the month has been mostly yard related. I have spent a lot of time raking and picking up leaves every week. The Maple tree is beautiful but it also causes about 6 months of work; I am either raking or picking up leaves or am picking up the balls (seeds) that fall on the ground after that as they can cause a bad accident or will grow new trees if not picked up (and once that is done, usually it is spring and then the weeding begins). I finally ripped out the garden and got rid of the hornets/yellow jackets using diaphanous earth. I pruned all of the fruit trees for the winter. Isn't that exciting? 

I have also been eating no sugar and have been experimenting with recipes. One of my favorite snacks is chocolate pudding. I make it with chia or gelatin depending on my mood, but usually it consists of the following: Blend one banana, one can of coconut milk and three heaping tablespoons of unsweetened cocoa and then heat to boil in a small pot, stirring a few times as you go. Turn it down to a simmer. For gelatin, in a separate bowl, put a half a cup of cold unsweetened almond milk and a package of gelatin (or one tbsp). Let the gelatin bloom (get fizzy) for a minute or two, then add to the warm chocolate, stirring while adding. For chia, add half a cup of almond milk to original mixture. Once that has all been brought to a boil, add 3-4 tbsp chia to the warm chocolate, stirring while adding. Pour into containers and refrigerate for a few hours. If you wanted you could also add monkfruit sweetener or some alternative sweetener (honey, maple syrup etc.) 

Tell me something exciting that you did in November! What was your favorite book that you read? Did you do any traveling? 

Looking Back: October

October in the Bay Area this year was very hot. We usually have a month in the spring and one in the fall (generally May and September) where there is a week of high temps and then the summers are generally mild. This year we had high heat and winds and lots of it. It's like Zeus is up there maniacally laughing while he throws heat and lightning and blustering wind our way. 

I was supposed to take a week off in September and was going to go hiking in the Sierras, but the fires had other plans for me and the national forests were closed and they stopped issuing permits for overnight stays in the California backcountry. So I had to improvise; more on that later! 

Running: Between running and hiking, I clocked about 295 miles. I have been getting back into running pretty regularly three days a week; it is very nice to have a routine, even if it is in a different place than normal in an effort to stay away from the crowds. Also, I am not doing a group run each week like I was last year, as I am still trying to keep my bubble as small as possible. 

Reading: I read a lot in October, although most were audiobooks. I would say that approximately 3/4 of my reading is now done via audiobook. This is mostly due to the fact that I drive to work now, but also I have been listening a lot while gardening or working in the house as well as when I run by myself. I also listen at 1.4x speed, so I can get a lot more reading done this way! My favorite was Rodham, which is the story of what Hillary's life would have been like if she hadn't married Bill, and at times I forgot that it was fiction as it flows so nicely. The only weird thing was that it was very crude at times and I didn't really want to think of Bill and Hillary in that way! 

Travel: Since my state basically was closed down due to COVID and/or fires, I ended up taking a road trip to Idaho to do some hiking. I brought a cooler and was self sufficient, except for gas and potty breaks. Of course, even though it was hot in California, it snowed on me and was probably in the 20s in the Sawtooths. However, I had some fabulous social distancing (I did not see a person at all for two of the days) and got some great photos of the snowy landscape! I will have to go back there another time for sure! I also met up with my parents once for a socially distanced hike and dinner, which was very fun! 

Hiking in the snow is fun! 

Misc.: Due to being gone a lot in October, the yard and garden has been severely neglected! I also have a family (with a lot of cousins!) of hornets/wasps/yellowjackets (?) in a hole in one of my raised beds and it has kept me from that area, so the weeds are taking over! My November goal is to get that all cleaned up, although my Maple tree in my front yard keeps sending leaves down every time I clean up, so it feels a bit fruitless at times! 

Do you know how to get rid of ground dwelling hornets/wasps/yellowjackets? What good book did you read in October? Have you traveled at all since COVID? 

Groundhog Day

Along with the phrase, "doing twice as much and only getting half as much done," I have heard the words "groundhog day" a lot in the last six months. If you have not seen the movie, which features Bill Murray, it basically is about a man who repeats the same day over and over. Much like most of us have been doing for the last six months! I was making my coffee the other day and it hit me hard for some reason and I thought it would be fun (or extremely boring) to go over what a normal groundhog day entails these days. 

I may not be quite as groundhoggy as some, as I have been going into the office since day one, but I still do get that "every day is the same" feeling! Here's what a day in the life looks like. 

3:30 am (yes, you read that right): get up

3:30 am - 3:50 am: bathroom break, brush teeth, make coffee and breakfast, eat, get lunch ready

3:50 am - 4:30 am: study

4:30 am - 4:40 am: work on journal (this is something I have been doing each morning for 10 minutes)

4:40 am - 4:50 am: read blogs or work on blog (another 10 minute/day goal)

4:50 am - 5:00 am: get dressed, let the cat out, pack lunch, fill water bottles with ice

5:00 am - 5:20 am: drive to work

5:20 am - 2:30 pm: work

2:30 pm - 3:10 pm: drive home (takes about a half an hour but sometimes longer with traffic)

3:10 pm - 4:00 pm: chores (water plants, empty dishwasher) and make/eat dinner or snack

4:00 pm - 6:00 pm: study (or run on non-study day)

6:00 pm - 7:30 pm: read books, catch up on news, do chores,  research vacations that ultimately get canceled, etc.

7:30 pm / 8:00 pm: bed time

Then repeat! Seriously, these days a trip to the grocery store is like a vacation, and a vacation is...well, what is a vacation? 

Are you experiencing this phenomena? What does your groundhog day look like? 

Looking Back: March

Well hello! The month of March was one for the record books so I figured why not put some of my thoughts in writing?

Running: Despite many obstacles, I ran 180 miles in March. The month started out great; summer training was starting to ramp up, it was a little rainy, things were still "normal." Week two was a travel week for me, so it was slated for a low mileage week, but then the shit hit the fan. More on that later. The next Monday, the Bay Area went into a shelter in place and since then running has been a bit of a trial. It often looks like the photo below, which, as you can see, is nearly impossible to get 6 feet away from people.

Photo Credit: LA Times

Reading: In March I read 10 books; to be clear, 5 of them were audiobooks. As I am now running by myself and commuting to work and doing a lot of house and yard projects when I am home, all of the above translates to a lot of time going toward audiobooks. Oh and did I mention that the CFA Exam which was supposed to be in June was cancelled/postponed? So now studying is also postponed, so I have had lots of time to get to reading! My favorites for the month of March were This Tender Land, The Dearly Beloved and The Book Women of Troublesome Creek.

Travel: Now this is a story I never thought I would have to tell. Believe it or not, I did travel in March. On the 11th, I flew to...wait for it...New York City. I went for a work trip combined with my friend's wedding. My flight was basically empty. The Monday before I left , the Dow dropped over 2,000 points. The Wednesday that I flew, the Dow dropped another 1,400+. The first day in the NYC office, it dropped another 2,300 points and then on Friday the 13th, it went up 2,000 points. I would say that was the strangest week (at the time) market-wise, that I have ever been through. To top it off, our firm was starting to make people work from home and restaurants were half empty etc.

March 11: SFO-EWR

On Thursday, my friend who was getting married texted me to tell me that her wedding has been cancelled. So we make plans to still meet up for brunch on Sunday. On Friday, they start shutting down restaurants in Manhattan and Brooklyn. My friend says brunch is cancelled. I decided to get an earlier flight out and end up flying home on Saturday morning. On my flight home, most people are wearing masks.

Etc. & Misc.: I am still going into the office. Out of our team of 12, three of us are still going in. I am driving there (I usually take public transit) and back each day and am going grocery shopping every two weeks. Other than that, I am at home. I am taking runs by myself, all within 5 miles of my house. I am healthy and I have plenty of food. Since I do not have to study, I am getting a lot of yard work, housework and cleaning/culling projects out of the way early this year. I have not done my taxes yet.

I am still hopeful about having a garden, but am not going to go out to buy plants since that is not essential so I have ordered some online (we shall see!) and am attempting to plant some seeds this year. Also the trees (fig, peach, plum, orange, avocado, blueberry) are looking very good this year!

What was your favorite March read? What are you filling your extra time with?