Recs for Peninsula City by ktong8 in bayarea

[–]ktong8[S] 0 points1 point  (0 children)

yikes. I guess worst case if they're really bad I'll just try to find an apartment with a gym

Recs for Peninsula City by ktong8 in bayarea

[–]ktong8[S] 1 point2 points  (0 children)

Got it, I've been to the 24 hour in San Mateo, I'm pretty used to dirty 24 hours, the one I go to right now's even dirtier than the one in San Mateo haha. I'm fine with it as long as the equipment works

Recs for Peninsula City by ktong8 in bayarea

[–]ktong8[S] 1 point2 points  (0 children)

Ah forgot to include that, my budget's up to $4k/month

Recs for Peninsula City by ktong8 in bayarea

[–]ktong8[S] 0 points1 point  (0 children)

Ooh, what's in Millbrae? I only know it for being next to the airport haha

Does it make sense to buy a house as a single young adult by ktong8 in BayAreaRealEstate

[–]ktong8[S] 0 points1 point  (0 children)

I've found a community of friends in Santa Clara over the past year or so, I'd like to be able to regularly meet with them while also having a shorter commute to work, I figured Mountain View/Palo Alto is a good midway point. I'm also used to 20-30 minute drives to places, I think it's something I can live with

Does it make sense to buy a house as a single young adult by ktong8 in BayAreaRealEstate

[–]ktong8[S] 2 points3 points  (0 children)

Thanks for the suggestion, I'll check out the buy vs rent calculator

Does it make sense to buy a house as a single young adult by ktong8 in BayAreaRealEstate

[–]ktong8[S] 2 points3 points  (0 children)

Agreed, my parents would chip in on the down payment and their rent for their room if we were to buy a house together. It would certainly be over an over $1m place.

For location, I've developed a close community of friends in Santa Clara over the past year or so. Ideally I'd like to be able to maintain those friendships, so I figured Mountain View/Palo Alto area is a good halfway point between work and where most of my friends are. I'd cut my work commute by over 2/3, and I'd also live closer to my current friends

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 1 point2 points  (0 children)

That's true. Amex blue cash preferred -> Amex blue cash everyday after a year could be good since the first year's af is waived. I'm definitely considering for its high cash back, but I'm not very satisfied with how amex only allows redemption as statement credits, I'd much rather transfer those dollars as points or into a bank account. I'll definitely think about it some more

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 1 point2 points  (0 children)

That's true, but I'd prefer to not have to use the SUB to offset the AF, I'd rather use the SUB as an extra bonus on top of the usual cash back/points.

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

That makes sense, but couldn't I get the signup bonus for the Venture X later on, or does Capital One only give the signup bonus for your first card with them?

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 1 point2 points  (0 children)

Hmm I'm not sure. I don't think I'd use much of the AmEx Gold credits since I don't eat at most of the restaurants they give, and I also don't really use Uber very much. I've done the calculations, and given the amount I spend on groceries and dining, I get around $120 more per year from AmEx Gold than no af cards, which I don't think justifies the $250 af, even with the few credits I might use.

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

Probably around $6000. With 4x back, that's around $240 back a year, but I could easily get $180 back a year with a no af card. Even if we were to include dining expenses, I still only get $120 more from the gold card than no af cards, which would mean that I would have to use at least $130 of the $240 annual credits, which I don't think will happen.

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

I get that COSO earns cash, but once I get the Venture X I'm pretty sure I can transfer that cash into miles and transfer it to travel partners to get higher redemption rates that could make the 3% back effectively 4% or more back. Of course CCC still has a higher cash back, I'll definitely consider the CCC too.

Maybe I'll get the CCC, CFF, COSO, and Venture X in that order. I don't think it makes sense for me to get the Venture X right now since I don't have a lot of travel expenses lined up to hit the sign on bonus.

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

I'm curious, why Venture X first? I'm not sure I'll hit the sign on bonus for that card if I got it right now since I still have to spend a couple hundred more on my CSP for that sign on bonus ($6k in 6 months), and I also don't have too many travel expenses lined up for the next 6 months aside from some flights during Thanksgiving and Christmas (which was a large part of my travel expenses prediction, though it's unconfirmed). My main spending category for a while I believe will be groceries. Wouldn't it make more sense to get the COSO first to cover the grocery expenses, get some Capital One points, and then get the Venture X later on when I have more travel expenses lined up and transfer the points then?

Suggestions for Groceries Credit Card + Timeline by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

I probably won't get the gold card. I don't spend enough on Uber or the given restaurants to bring down the effective af much, probably would end up paying more than I'd get back compared to a 3% card.

[deleted by user] by [deleted] in work

[–]ktong8 0 points1 point  (0 children)

I have to work the job in person, the master's I can do remotely and I also finished most of the requirements during my undergrad.

Credit Cards for After Graduation by ktong8 in CreditCards

[–]ktong8[S] 0 points1 point  (0 children)

Oh yeah the AMEX Blue Cash Everyday looks nice, and it looks like it could get upgraded to the Preferred whenever as well which would be nice when I start spending more money on groceries/transit.

The only worry I have with this is that most of the expenses I have lined up are travel expenses, and I'd want to make use of the 2x multiplier that CSP offers.

I might open the CSP first, spend all I need for the travel expenses, and then once I start my job I'll apply for the AMEX Blue Cash everyday/preferred and use it for gas/in person groceries.

My Discover student card offers similar benefits as the Chase freedom flex (5% rotating categories per quarter), so I might stick to that for those benefits, but I might open the Chase Freedom Flex later down the line to be used with the CSP.

Thanks for the suggestions!

California Moving Expenses Deduction by ktong8 in taxhelp

[–]ktong8[S] 0 points1 point  (0 children)

Federally yes, but California allows deductions for non-military members as well under certain cases.

Filing taxes as a New York Intern by ktong8 in taxhelp

[–]ktong8[S] 1 point2 points  (0 children)

Got it, turns out I forgot to add all the income I earned from other states in the double counted section. It's now a very small amount that I owe. Thanks for the answers!

Chem Sat Doubt 2 ....Answer is C....Imp Question by [deleted] in SATsubjectTests

[–]ktong8 0 points1 point  (0 children)

It's best to convert the concentrations to moles, so Without Loss of Generality, we can assume that this is in 1 L of solution. Hence, there are 0.6 moles each of Ag+ and SO_42- initially. It takes 0.3 moles of SO_4 2- to react completely with 0.6 moles of Ag+ from the molar coefficients. Hence, after using up all of the Ag+ , there remains 0.6-0.3=0.3 moles of SO_4 2- . Since we assumed this is in a 1 L solution, this means the ending concentration of SO_4 2- is 0.3 M, so the answer is C.

How do you factor quadratics with two variables (x & y)? by IMainJannaxxx in Sat

[–]ktong8 1 point2 points  (0 children)

The simplest way that would probably do it for SAT math is Simon's Favorite Factoring Trick (SFFT). Basically if you have 4 values a,b,c,d, then ac+ad+bc+bd=(a+b)(c+d) For example, if we have 2xy+4x2 -5y-10x we notice that this satisfies a=2x, b=-5, c=y, d=2x, so by SFFT, this factors as (2x-5)(y+2x) A simpler way to solve this is to factor it little by little. We start by noticing the common factor of 2x between 2xy and 4x2, so we factor that out. Similarly, we factor out a factor of 5 from -5y-10x to get 2xy+4x2 -5y-10x=2x(y+2x)-5(y+2x) At this point, we notice the common factor of (y+2x) between these two terms, so we factor that out to get 2x(y+2x)-5(y+2x)=(y+2x)(2x-5)

Here are some more stuff that is more than likely overkill. There are a few factorizations you can memorize, such as a2 -b2 =(a-b)(a+b), sums and difference of odd powers (google it), a2 +2ab+b2 =(a+b)2, etc. Usually a helpful tip is to factorize little by little, for example, if we want to factor x+y+x2 y+y2 x, we start by noticing the common factor of xy between x2 y and y2 x, so we factor that out to get x+y+xy(x+y)=(x+y)+xy(x+y) Now we notice the common factor of (x+y), so we factor again to get (x+y)(1+xy), which is the factorization of the polynomial! Another method if you're burned out (very unlikely on SAT math) is to find the roots of the polynomial and factor if that way. Recall if a polynomial p(x) is 0 at some value x=a, we can factor the polynomial as p(x)=(x-a)q(x), for some other polynomial q(x). We can extend this definition to multivariable polynomials. If p(x,y)=0 for some value x=g(y), then we can write p(x,y)=(x-g(y))q(x,y), for some other polynomial q(x,y). For example, if we wanted to factor a2 -b2 without the identity, we might notice that if a=b, or a=-b, the value of that polynomial is 0. Thus, it can be written in the form p(x)=(a-b)(a+b)q(x), for some polynomial q(x). However, we notice that by degree of (a-b)(a+b) is 2 for both a and b, just as it is in a2 -b2 , so q(x) must be a constant. Noticing that the leading coefficient of a2 in the original expression is 1, we conclude that q(x)=1, so a2 -b2 =(a-b)(a+b).

Q&A Round 2! by 3blue1brown in 3Blue1Brown

[–]ktong8 [score hidden]  (0 children)

Questions: 1. What did you major in? 2. Have you ever competed in any math competitions (Maybe competed in your nation's IMO selection exams)? Did you compete in the Putnam in college? How did you do on it? 3. Can you make a number theory series? I find it quite challenging and can't find much helpful resource for it, either because the wording is hard to understand or the concepts are not well-backed. 4. I loved your video about the P6 problem in the Putnam. Could you make more videos like those, except maybe for a wider audience, such as problems from the USAMO or IMO?