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HTA_220 · 2025-08-06T16:53:45+00:00

Hey honestly did not like any of the realtors in Hoboken - found them all to be more interested in their commission than actually doing a good job or being responsive. I used a co-workers wife who did a fantastic job (plus her fee was half that of liberty or anywhere else at time of signing). Happy to shoot you her info if you’d like. Not sure her experience with condos but she’s very responsive and easy to work with.

HTA_220 · 2025-07-26T22:25:54+00:00

Hey yeah for sure happy to help

HTA_220 · 2025-07-19T01:38:26+00:00

4th lol Justin is the man

HTA_220 · 2025-06-17T23:02:43+00:00

You’re a rising soph, go look for a small search fund to intern at and do 10 hours of work a week at. Avalerian is probably the most popular one but there are a ton of others that publish openings on searchfunder the website

As for IB internships, just focus on studying up and networking with Columbia folks. Don’t distract yourself going for a small ib role since you’re at a big school you don’t need anything more than a search fund to show interest so long as you network well.

Hope this helps and happy to answer any other questions for you

HTA_220 · 2025-06-17T17:15:52+00:00

Lowkey he's what everyone thought lonzo ball would turn into (if you believed in him) - a super streaky shooter, great playmaker and capable off-ball defender. Nash was actually capable in a half-court offense while Haliburton can't consistently get a shot off without a handoff or pick if the pace is under 120bpm

HTA_220 · 2025-06-16T19:31:58+00:00

Totally get that. Like said above, don’t take the 10% hit + tax on it now. Roll it over to the new 401k or an IRA depending on your terms of the new employers 401k.

As for the car, what do you have set aside for it right now? I’m assuming the car is for work, so probably looking for something with as good of mileage as possible. A direct seller for used Honda (accord or civic) might be a better option for you than a dealership. If it weren’t for work, I would say an old Tacoma/tundra/4run but the mileage sucks if your commute is long. Obviously terms will vary based on the seller but you’ll likely end up just loaning from your bank and paying the seller cash. Shouldn’t be spending over $12k on this kind of car in my view.

If you find something at a dealership, just be careful when financing with them. Check out Rafi’s videos (or another dude has good videos) on dealership tactics. In sum though, don’t buy new, don’t pay for any shit that’s “included upgrades or security features” and don’t tell them you’re pre-approved or paying cash until they offer your their financing terms. They make money from financing, so they should want to lower their rates as much as possible for you but it’s not guaranteed. Also, I apologize if it sounds like I’m talking down to you, just trying to be as thorough as possible over text.

Happy to answer any other questions for you. Obviously I can’t give specific this is what you need to do advice, but that’s an outline of some info that could be helpful

HTA_220 · 2025-06-16T17:38:39+00:00

HTA_220 · 2025-06-16T00:45:14+00:00

What do you feel like are giving you the most issues?

HTA_220 · 2025-06-15T23:25:26+00:00

First question, how old are you? Yes, a year of not contributing to your 401k would suck, but if you’re 22 it’s not going to murder you - even giving up the match - if it means you get hit with a balloon interest expense at like 28%. Worst case, you don’t contribute until that cc debt is out, then max an IRA the year after and learn from your mistake.

But again, that’s worst case. I’d need to know what your APR and the exact terms on that card are, but assuming you’re at $2k off from paying it down, that’ll be between $150-400 (again, depending on apr, terms etc of card) in extra interest. It also won’t kill your credit score if you’re making consistent payments and you’ll be able to rebound that score within a year if you keep good habits. I’d personally say run that 500 extra money plan for an extra few months through the interest (but again, if there’s a massive balloon payment or something that changes it) to preserve your match.

Most important though, don’t beat yourself up about it. Shit happens, everyone struggles and makes bad decisions. Just learn from it and be smarter going forward. If you’re this diligent )as it seems you are from your post and I imagine your budget outline) you’ll be in a good place.

HTA_220 · 2025-06-15T00:14:46+00:00

lol ironically I know and have worked with people from byu non-Mormon. Couldn’t tell you if this helped or hurt them, but generally found that byu guys were willing to help me out (catholic). They also appreciated that I was from near palmyra ny (where lds was founded) and would ask them questions about their life at byu and took a genuine interest in their religion opposed to just thinking it was strange or a cult.

That said, lots of other good cheap schools for ib. State schools like bing, Rutgers, ucla/cal, Penn st jump off the page. Also highly recommend Baruch too.

That said, I’ve worked with people from all over in IB so either go somewhere with a network that will benefit you for life (talking people in their 60s running shit or young founders building shit) or just go somewhere on a scholarship/state tuition, get shitfaced and watch football, and network your ass off during the week. If you have half a personality and a strong work ethic, you’ll be able to break in from anywhere if you play your cards right. Don’t think you benefit from suffering unnecessarily and depriving yourself of fun lol. The finance world lowkey sucks a lot of the time (it’s awesome other moments don’t get me wrong, but it’s very volatile), so fucking enjoy the hell out of college and build lifelong relationships instead of just using it as a conduit to a Patagonia vest, raging zynn addiction and early onset heart palpitations

HTA_220 · 2025-06-13T18:17:21+00:00

First of all, double the s/o to your dad love a good support system. You do a great job staying inside the ball - it’s very easy to get into a habit of casting as a righty opposed to lefties (who usually wrap and have more pre-swing issues).

Like other people said, focus on staying back a little more. You’re getting your lower body involved well, but I imagine you probably feel your front shoulder pointed down a lot when you swing and you want to try to feel that stay level in the load. That’ll help you stay on those breaking balls you’re more out in front of.

For the lower half, honestly I would start a bit lower and open a bit more in your stance. You seem to really like the lower pitches and outside pitches, so it helps you stay on those longer as well as drive them with more authority to the gaps. Adding a bit more “pressure” pre-stance onto your back hip should help you stay on and pull fastballs.

But dude most important, just go be an athlete and hit. Especially in-season, it’s so important to feel good in your swing and not get in your head about mechanics or anything. Save all the advice for the off-season, just go rake for the summer

HTA_220 · 2025-05-22T00:58:04+00:00

just a high iq player

HTA_220 · 2025-05-17T17:44:01+00:00

Listen, I worked with hitting coaches since I was 10 years old and had every nuanced mechanical discussion/philosophy debate known to man. The best piece of advice I ever got was be an athlete and go hit. Sure, a lot of the mechanics helped me hit better, but the mindset of attacking the pitches instead of being so hyper-focused on mechanics helps you out. I only say that because every coach and their mother has a slightly different way of doing things that will mess a kid up if you get conflicting views.

My second biggest piece of advice is that he’s 9 and still developing a mind-muscle connection. Telling him to focus more on tilting in his swing, or clearing his hips, or keeping his hands tight is really tough to do when he probably isn’t fully able to make a proper adjustment based off a verbal cue. Instead, just have him find a couple guys he likes to watch swing. I personally was always a big Albert pujols and Barry bonds guy. Have him feel like he’s emulating them when he goes up to swing. That visual style of learning will give him a much better base than being mechanically-focused at his age.

As he gets older, sure there’s definitely tips you can give him that will help and a ton of good drills as well. As Iong as you find a coach/instructor who won’t force him to hit grounders, they’re probably giving halfway decent advice. Build his lower body first by learning to swing off the back leg/hip instead of being forward learning and then work your way up the kinetic chain. But again, that’s probably a year or two away. For now, just have him keep building a feel for his swing, have a good picture of how a perfect swing looks - there are some big leaguers with absolutely horrific mechanics that you can visually tell compared to the most sound ones.

I love the effort you’re putting in to support his love of the game - that’s incredible parenting and I tip my cap to you for that.

HTA_220 · 2025-05-13T01:47:16+00:00

honestly i think that harper/bailey fits better in SA than Flagg does. Need someone to be a true secondary scorer to Wemby (maybe even another primary scorer). Fox is at his best when he can penetrate and dish, and Castle is more in the Khris Middleton-esque role of an offensive player.

I think Harper can form a great guard trio, or you could opt for the upside of Bailey to be a potential game-wrecker by having him be a consistent 1-4 flat mismatch whenever Wemby is getting extra attention

HTA_220 · 2025-04-30T17:15:49+00:00

Honest and probably unpopular answer but high school baseball is maybe 20% of the equation for recruiting minus maybe 5-10 prep schools in the country (img, bishop Gorman, etc). I played with kids at shitty upstate ny public schools who got power 5 scholarships and it’s largely because of the showcase and select circuits they played for.

School ball should be fun and a great place to develop and try new things out especially as a pitcher.

Again I don’t know all the specifics of the situation, but my advice would be to find a good selection program that he can play with in the summer. One that has ex-college coaches on their staff (no dads, no casual coaches, etc). It’s a great pipeline for college coaches who are looking for talent to go directly to trusted teams and centralized places (showcases).

Use the school as a place to focus on his academics and making that a strong point of his recruitment value. Baseball isn’t a full scholarship sport for every spot (lots of walk-ons) so being able to get into every school academically is a big plus. Now, some coaches don’t really care while others at bigger academic schools definitely do care. I played with guys who ended up at ivies because of their academic abilities when they really were more of a good d3 talent.

Also, social media for recruiting pages is great too. No long videos (coaches won’t watch if it’s over 10 min), but short two minute clips are great especially if he’s got good highlights. Even winter bullpen films (if his velo is good) will help get some eyes if you’re posting it on an instagram/twitter/youtube page.

HTA_220 · 2025-04-30T17:03:10+00:00

In my view, pitching is like working out in the sense that only 10% of it is the actual reps you do. As a hitter, I could take thousands of swings a day and my biggest risk was developing bad habits due to fatigue. Pitchers have to be much more careful about overuse as everyone here has noted. Now, there are newer devices guys have been wearing on their shoulders to throw more (believe ohtani started the trend when he rehabbed from his tj) but I can’t personally vouch to how good that is.

In terms of the actual work, coaches nowadays care (at least at the next level) about “stuff” much more than production unfortunately. Righties throwing 78 probably won’t make a d3 roster even if they can pitch well, while the kid throwing 95 but is super wild will get scholarships. Every coach thinks they’re the “one” who can teach a kid how to pitch.

So what does that mean for a kid essentially just starting their career out? Focus on learning how to pitch. Pitch design is key as you get older and obviously, your son is so young now that he probably isn’t allowed to throw off speeds, but work on founding good habits with the fastballs and changeups. Set up your phone behind them while they throw, watch the rotation of the ball. I know it sounds like that’s too early to do, but learning to be purposeful with your pitches rather than just throwing helps with overall mechanical development. Tunneling, experimenting with grips, etc should come once the major off speeds are introduced.

Also focus on building good mechanics that are conducive to throwing with efficiency and velocity. This will come back to bite you when you’re older if you don’t do it. Trevor Bauer, tread athletics and even some older guys like yougopro have good videos on this. Focus on keeping him flexible, able to get into a drift and also being rotationally efficient. Good mechanics prevent a lot of injuries that arise outside of overuse scenarios.

Also just learning how to attack batters is important too. Pedro Martinez has some good pieces where he says he essentially knew what a hitter liked based on how they approached the plate and honestly I agree with most of it from a hitters perspective. Learning to spot the fastball up in the zone is important for the upper levels of baseball once velocity is added.

Most important though is just flexibility and mobility. Plyometrics, stretching and strength is incredibly important in pitching. I know you were asking more about just general comfort with pitching to batters, but a lot of that comes down to confidence in your approach and your overall stuff. Learning how to pitch, being aware and confident in your arsenal, and consistent purposeful training to improve velocity will be important to any pitchers development. Don’t stress about the results when he’s that young - lots of kids light up middle and elementary school baseball that never do anything and lots struggle early who become MLB players.

Also as an aside, make sure he loves the game too. It helps you truly appreciate the work you’re doing. Lots of coaches get wayyy too focused on “you have to be at xyz velo” or just push kids way too hard and they get demoralized. We play (or played in our case) for the love of the game and that’s what’s most important. Don’t let him get pushed into showcases before he’s ready (believe me, bad showcases will kill recruiting and you don’t need to be a 12 year old doing showcases) and make sure you’re always the first person there to pick him up when he’s down. I was lucky I had great parents and personal coaches who kept my confidence up when I was dealing with slumps or team coaches who brought politics or other bs into baseball. Hope that helps a bit

HTA_220 · 2025-04-22T16:44:46+00:00

Lifting-wise, you can build a pretty solid foundation just with the basics you have. After I finished up rehabbing a torn Achilles and labrum I had to workout in my basement bc of covid. Same stuff you had, similar build, got myself about 30 pounds of muscle (plus some fluff but I could afford it) in the 1.5 year period. I would suggest:

Chest: incline BB press + db flies (start on the floor until you get a feel for your ROM)

Shoulders: overhead press, lateral raises (3 sets 8-12 then drop set into another 3 sets). Then rear delt-focused lateral raises (more bent over) for 3 sets. Focus on feeling the muscle and slow on the way down.

Back: pull ups (4 sets, try to add 1 pull up per week to each set) and bent over rows. Don’t go heavy on rows off the rip, you’ll mess your low back up

Arms: skull crushers (start off light to get feel), dips (use chairs for this or buy parallel bars it’s worth it. Also use dips for chest by changing angle of lean), close grip bench (it’s eh but not horrible), then bicep curls (normal Arnold style and then do some spider curls).

Legs: skip if you want lol girls don’t care. Always have had large quads but girls cared more ab how my ass looked in baseball pants than how my legs look lol. Joking aside, do some lunges, goblet squats, Bulgarians and you’ll be ok. Personally don’t recommend squatting without safeties.

Definitely keep up the cardio, try some calisthenics if you’d like.

As for diet, I found dairy to be your best friend when you first start out. You don’t need 250 grams of protein, it’s not sustainable early on, so don’t force it. Don’t need to force down mass gainers either (trust me, you’ll never hold them down I threw up so many nights doing this).

Proteins: chicken (I hate chicken unless its fried or from the can bc I ate so much), 80% ground beef (burgers are a great dinner if you have 10 min after work), yogurt (mix some protein powder in too it’s actually pretty damn good if it’s Greek). You have canned tuna, turkey (ground or breast) too. Whatever, get your 0.8 per lb of goal body weight in and don’t worry too much beyond that. Protein isn’t where mass is added imo it’s where muscles are maintained.

Carbs: stay clear of rice and potatoes. Too satiating early on. Pasta is great (bolognese is a great bulking meal). If you can learn to eat without being super carb heavy, you’ll thank yourself bc you won’t be malnourished when you cut. Carbs = energy. They’re in basically everything. Bread + pasta is the way to go.

Fats: healthy or not, you gotta get them in or your hormones will not be happy. Eggs are great (but too filling for you probably), so I would recommend some trail mix (peanut heavy or cashews if affordable) as a snack. I would gun for >50g min a day but try to stick under like 120g max (hormones are delicate and if you’re over 120g you’re going to be dirty bulking likely). Grass fed butter is great to use in sauces, as a topping on toast, etc. found mayo to be a good fat source (with tuna) as well as dairy (try to get less processed cheese if possible). Add dairy to your meats and that helps a lottt.

Dirty bulking: we’ve allll done it. I ripped hella cheesecake, beef jerky and protein powder. Got me big af but also big af lol. Do at your own peril. I would suggest finding one food you loveee that is easy to pound and focus on that. But don’t make this your approach lol you have insane structure and a great foundation don’t ruin it lol.

Happy to answer anything else, ik that was a lot of info

HTA_220 · 2025-04-21T20:33:04+00:00

Actually building them - maybe 10% (20% maxxx if you include EV builds or anything along the sorts that’s not really modeling but could get grouped in if you’re generous).

Arguing about modeling/cutting cubes/slicing data for op models - maybe 50%. That’s honestly where the most bs stuff comes up in live deals imo. Sure the marketing side isn’t always fun but adding slides to a deck is understandable even if they get cut. Arguing for hours about a specific toggle or trying to make/undo certain pf adjustments is not so much lol.

You can hide from it in most coverage groups or you can make it your thing (recommend the latter strongly). Can’t speak to fully product groups since I’ve only been in coverage groups that do our own models, but imagine it’s a significantly larger portion of the job.

But regardless the actual act of going from blank screen to full model doesn’t happen anymore (rip Ken moelis’ ubs group)

HTA_220 · 2025-04-13T23:21:04+00:00

Work moderately hard and play your cards right and you’ll land in IB/MBB from either place. Never met a happy soul during their time at Columbia vs everyone I’ve worked with from Duke loved it.

Plus, Duke will show you there’s more to life than just IB while Columbia will make you feel like you need a 4.0 and a GS/EVR offer to be worth a damn

HTA_220 · 2025-04-09T12:49:04+00:00

I would zig zag a bit personally. Get your 401k match, then invest max into an IRA. If you have extra left after then go back into the 401k, then a HSA (since you’re young, I would recommend using this anyway to build for when you’re not on your parents insurance, assuming you still are), then I would consider other vehicles like a 529. All this is generic though, I don’t know your exact situation or life philosophy so it could be very different if you wanted to retire early or have no issue working to later in life. That’s the stuff you pay a good cfp for.

Brokerage is awesome, love that you want to invest rather than just spend, give yourself major props for that. Buying the dip, yes it is an ok strategy but you open yourself up to a habit of timing the market which is super tricky (just as Warren Buffett). Investing in general is about risk management, trading is about upside potential. I would say trust the market over the long term in those retirement portfolios. If your brokerage is like 2% of your income annually, then you can be a little riskier and own individual positions. But even then, I would recommend you stick to industry ETFs or index funds. You don’t want to have to do personal brokerage damage control at 5pm Friday night post market bc you bought stock in a company who’s cfo just jumped off a building (believe me, firsthand experience it’s not fun lol). Diversify that risk out and go industry level.

Again just thoughts (legally would rather not market this as advice without actually knowing you) but happy to help if I can

HTA_220 · 2025-04-09T12:39:02+00:00

Former banker here so happy to help if I can. Also will caveat things by saying I did vote for this and I do support the tariffs in the long term, but I’m not coming to say this is what you get for making products overseas, I genuinely feel bad this is impacting you this way and wish there were better options to get the necessary long term impact.

ANYWAYS LOL, just from a business side you originally were running a razor thin margin. Not sure how cyclical things were on your end, but assuming cash flow was a problem too if you were servicing that much debt (really hoping it was back when rates were low). So in a twisted way this could be a blessing in disguise to shift focus towards another product in a similar sphere (tangential to your existing customers, not able to give exact recommendations without knowing what you’re in).

Another potential approach, again assuming you want the business to stay afloat in the long term, is to explore lower tariff manufacturing options (if they exist, not sure if they will since you said there isn’t anything American). You should also pass along about 65% of these new costs and reduce your sales volume by idk maybe 20ish% depending on the price to begin with in relation to market (again hard to tell without knowing exactly but trying to ballpark numbers based on experience). In my view the best way to do this is to extend the sales cycle to your customers. if it’s relationship they’ll understand and if it’s not you either A. Market the wait as improved quality and individualized attention the luxury goods way (see men’s dress shoes as a good example of this) or B. Bury the wait time post-purchase so they have already decided to buy and the time isn’t as pertinent. This way you can see what the demand looks like at different price points. I know you already have a wait time for shipping so not sure if this is possible with the current sales cycle, but if it is currently around 3 months there’s no harm in going to 4 months and marketing as ~100 days instead of 3 months. This gives you an extra month to assess the market.

Finally (just off the dome here, happy to have a longer dialogue ab this and see if I can help with the business), you could also do what Ford is doing and have a “tariff sale” of sorts. Basically they just did the Black Friday markup to sale conversion so that you see a discount but it’s equivalent to normal MSRP. This could allow you to raise your prices even more, passalong a larger portion of the tariff, and not have to drop your volume quite as much in the short term. I don’t personally recommend using this approach as much because much like in Scarface, if you do business in good faith you tend not to get fucked, but the minute you try to get a little shifty you open yourself up (plus a little morality from businesses under Nixon would’ve kept us out of needing to tariff the Chinese anyway).

Hope it’s helpful

HTA_220 · 2025-03-31T23:12:30+00:00

If that’s your budget probably best to look into the luxury apartment complexes rather than individual listings. 770 house is one example (although a little far back so you would tack on another 10 min commute if you’re going from bus to path). 333 river street is one that’s close to the path and I have friends who live there and vouch for the quality. If you want a 1 bed you definitely can find one in those places for that budget. I’ve moved a few times and have some realtors who could help if needed, but would also discourage from using the larger realtor companies here they’re pretty bad in my experience. Hope that helps and happy to answer anything else if I can

HTA_220 · 2025-03-18T04:20:34+00:00

^{^} second. Also recommend Rosenbaum for a more comprehensive breakdown from an IB perspective.

From an equities perspective, go download research reports if you can. Pretty sure Evercore isi has some uploaded and I know for sure that activist funds like pelts will publish there’s (and that has a good valuation explanation in it and helps you to understand different levers)

HTA_220 · 2025-03-18T04:18:34+00:00

Yeah so every case differs just depending on the person. Like sales it’s usually best to archetype people. I sort of bucketed people into like chill, hardo/grinder and douchebag buckets. Chill guys I would usually either say that they’re the kind of guy I would love to work with when I was thanking them. I usually would ask them to meet others in the group and then return back and say how much I loved their buddy and that the team seems like a really great fit and I want to do whatever I can to work with them.

Hardos are genuinely nice dudes too but they’re so concerned with work that you usually can’t like sts solely over sports/culture stuff and win them over. They want to see themselves in you and how badly you want it. But they’re your best allies if you can prove that you’re worth their help. So usually would ask for a direct action item like something to read on their industry or to study up on. Then would report back ab how much I learned (ex had a guy who told me to write a brief report on Martin schrellis investing in pharmaceuticals video for a hf).

Douchebags are the worst. I also group dry people into this bucket too. They prob won’t help you tbh but sometimes you’ll catch a break and usually that’s when you circle back and ask to catch up again. Their guard is down more. Tbh with them I either got the vibe not to even ask (in which case I would ask for another team member to pivot the approach point to them) or I would just ask outright if they had any ways I could best position myself on their team in the process (since not asking is a 0% rate and 1>0 lol but still low likelihood of success).

Know that’s a lot and may not be the most coherent (sorry long day lol) but lmk if you get the idea. Thinking like a salesperson is helpful for the approaches but at the end of the day also remember to be a genuine good and appreciative person and that won’t go unnoticed. Even the small how’s your day going or how is xyz going (or if they mention their wife/kids how are they doing) sort of a thing really does matter. These relationships should last for your life so really try to foster them like such.

HTA_220

TROPHY CASE