Cove & Crunch / Journal
My slowly growing collection of essays on real estate, investing, personal finance, and the scenery along the way.
4 articles
A small, growing journal about the numbers, beliefs and trade-offs behind a serious home decision.
Read the journal in 中文 ↗Field notes
01 · HELOC
Three ways to borrow against what you already own — a HELOC, a cash-out refinance, and a securities-backed line — priced against each other in three real scenarios.
Read the essay →02 · BMR
There is a category of Bay Area housing you only qualify for while you haven't made it yet — and the door shuts behind you once your income climbs.
Read the essay →03 · Finance
A walk through the Museum of American Finance becomes a meditation on credit, markets, risk and the magic of belief behind New York's financial power.
Read the essay →04 · FIRE
Financial freedom is less about a magic age than about three durable variables: time, principal and risk control.
Read the essay →Put the numbers to work
Try the calculators for ARM resets, refinancing and home equity.