We talked about a home Refi. [not sure whose refinance this was. Quite possibly it’s mine. The wife and I refinanced in April, 2021 to bring our 15-year mortgage rate down from 3.75% APR to 2.875% APR. As of this writing in January, 2024, the rates are around 6.5% for a 15-year fixed and about 7.52% for a 30-year fixed. Adjustable rates are even higher.]
[Someone is an] Empty Nester [presumably, David?—it's definitely not me and my wife!]
David reports that his sons, Graham & Zach. are at Club Getaway.
Vaxx Baseball Game [??]
New York State has an Excelsior Wallet program, a digital wallet for storing vaccination records.
No Subway for a year [I’m guessing David is not taking it to avoid catching COVID-19?]
Jaguar XF Wagon [David’s replacement for the Minivan? Or he's looking at one?]
At this point, I’ve switched to a Hoegaarden Bierre Blanche, the classic Belgian Wit, finished with coriander and Curaçao orange peel (4.9 ABV), the perfect summer quaff. David has moved on to a Hermit Thrush Brewery Sour Double IPA (from Brattleboro, VT).