Transferring Clipper Card to new iPhone

I purchased a new iPhone and spent some time struggling to transfer my Clipper Card from the old phone’s wallet to the new phone. Figured I’d write-up a quick post for others that find themselves in the same position.

Step 1: Open Apple Wallet on your old phone, go into your Clipper Card’s settings, and remove the clipper card from the device. (This will show in red text, but don’t worry, your clipper funds are safe)

Step 2: Open Apple Wallet on your new phone and attempt to add a Transit pass. iOS will automatically identify that you have Clipper funds that aren’t linked to another device, and it’ll set-up the Clipper card on your new device, with no additional input from you

As a bonus, the “Service ID” that the new phone sets-up will match the “Service ID” of the card on the old phone.

My Journey to <50 BPM Resting Heart Rate

Throughout my life I never worked out much. I went to the gym once or twice a year, my outdoor runs were few and far in between (it was difficult to do a mile!). I would go skiing in the winter and hiking in the summer, but that was about it.

Thanks to my metabolism, I was never chubby - I even had light abs showing from time to time - but I wouldn’t be described as “fit” or “athletic” either. My upper arms were thin, and my face was just okay.

In October 2019, I decided to try my first ever Barry’s Bootcamp class. This was scary for me; I didn’t know the first thing about “going to the gym”. (Post-first-workout, I found myself examining a bottle in the locker room, deciding that it was lotion, rubbing it over my face, only to change my mind and decide that it must be face wash, and discreetly washing it off my face in case I was wrong so that others wouldn’t think I’m weird for washing lotion off my face.)

The first workout felt like death - I struggled to keep 7 MPH on the treadmill, and felt fatigued with the 15lb weights on the floor, but I felt such an intense sense of accomplishment after the class. Little did I know that my body would ache like there’s no tomorrow for the next two days - I considered going to the doctor when I couldn’t extend my arms all the way two days after the workout.

Thanks to the support of my friends who went with me, I kept going back, and as time went on I quickly saw my speeds on the treadmill increase, and my post-workout soreness diminish thanks to better stretching. I was so excited to see my first 11 MPH sprint, followed by my first 12 MPH, and ultimately hitting the fastest 12.5 MPH speed.

From October to December, my Apple Watch showed my resting heart rate dropping by over 10 bpm. Additional workouts combined with my “no-alcohol January” challenge saw my resting heart rate drop below 50 bpm in January. It was encouraging to quantify my fitness accomplishments via the Apple Watch as well as the speeds and weights I was hitting in the Barry’s “Red Room”.

What’s next for me?

I’ve began running daily during the coronavirus quarantine, and I’ve loved seeing my pace and distance gradually increase. I’ve set a goal of coming out of quarantine healthier than I went in, and I have no doubt that I’ll continue to be active on a daily basis. I only wish I had began working out earlier.

5 reasons to apply for Alpha Kappa Psi

Eccles Students, you know that it's crucial to "get involved" this semester - by why choose Alpha Kappa Psi? Here are five of my favorite reasons:

1) You'll form close friendships with a diverse set of students from many majors, multiple colleges, and a plethora of life experiences, ambitions, and talents. Best of all? These "brothers" are top-tier individuals who spent the past year devoted to starting our chapter from the ground up. 

2) You'll gain experience in a startup-like environment, where you'll collaborate on projects as part of a committee, influence key decisions [even as a new member], wear many hats as the fraternity scales rapidly, and take on ownership of core pursuits & values to the fraternity. The market potential for AKPsi's impact is really quite infinite, and the potential for personal growth & development is enormous.

3) You'll meet AKPsi peers and alum throughout the country at leadership conferences and trainings - I myself connected with AKPsi peers when interning in a new state, and the friendships that ensued were incredible.

4) You'll receive hands-on experience mentoring your peers, and these people development skills are highly valued in the workplace.

5) The value you receive for the time and money you invest in the organization is among the highest ROIs at the University of Utah.

How to pick & pitch a stock

A seemingly infinite amount of research can be done when analyzing a stock. We can forecast thousands of factors to predict how they would impact a company, we can try to understand how hundreds of competitors interact in the industry, we think endlessly about the psychology of other investors in the marketplace and construct sensitivity analyses to quantify our level of certainty on any specific valuation. The reason I’m writing this post is to share a commonly used framework to evaluate a stock and build a stock pitch that can be used as a foundation for many further analyses.

Portfolio optimization using the efficient frontier and capital market line in Excel

Assuming that markets are efficient and that the assets in a portfolio aren’t perfectly correlated, we can reduce the total variance of a portfolio at any given expected return by combining assets in various weights.

Imagine a graph with risk on the X axis (measured as standard deviation of the asset’s historical returns) and dividend-adjusted return on the Y axis (measured as an average of historical return). We can plot every possible combination of risky assets in a portfolio to find the best possible return at each level of risk (and lowest possible risk for each level of expected return), and the resulting curve would have a higher return for any given level of risk than any individual asset.