Mid Atlantic Finance: Fill & Download for Free

Yes, but I don't know if you'll have much luck outside of big metropolitan areas (which often have the cost-of-living problem you'd like to avoid).Big tech companies with offices in cities like New York and Seattle, such as Google and Facebook, are very likely to offer more than $90k to new grads at their offices in large U.S. cities. Top finance companies are likely to offer salaries above that as well.The 2014 OReilly data science salary survey provides some insight into the broader industry. They found that the median salary was $98k throughout the world, with those aged 21-35 (again, throughout the world) making a median of $80k (which is below your goal). They also fit a regression of salaries and found the following coefficients:Variable (unit) Coe€cient in USD(constant) - + $30,694California - + $25,785Mid-Atlantic - + $21,750Northeast - + $17,703... (more coefficients in the survey)While this doesn't completely answer the question, it does suggest that the difference in salaries between California (which, granted, is bigger than the Valley) and other parts of the country aren't completely different. I also plugged the these values into the regression:living in mid-atlanticIndustry: technology21 years oldNo PhDcompany is 100 peoplecompany is 5 years oldyou know a handful of tools from the various clusters (1, 2, and 3 from each of clusters 1, 2, 3)with stock optionsand got a prediction of $88757. So, if their model is accurate for this case, then $90k is pretty close to the average (and, if the average is close to the median, that's it's likely that about half of new data scientists matching the conditions above will make that much or more).

Ooh, I love this question. Thanks for the A2A.TL;DR - It depends. It’s complicated. I think Midwestern makes the most sense. But I have called it Midwestern before and had to justify myself to Pittsburghers…I think there’s a few ways to answer this:Culturally:This one is the easiest to answer, I think, if you’ve spent time in Pittsburgh, Cincinnati, Chicago, Detroit, etc. Pittsburgh is firmly Midwestern when it comes to culture. Culture is a tricky thing to objectively define. It’s like obscenity — I know it when I see it.So let me put it this way:I am from Pittsburgh. I grew up in rural, coal-town PA a few hours east. I went to school in Philadelphia, lived in Charleston, SC, worked in DC, and have spent significant time in New York and Boston along the way. I’ve also traveled throughout the midwest and spent time in Detroit, Ann Arbor, Chicago, and Cincinnati. Pittsburgh and, more importantly, Pittsburghers, feel a lot more like they belong to the latter group of cities. The people move at a good pace but not in the way of the finance-ridden New Yorkers or strongly-opinionated Massholes, instead much more in an industrial sense. People are brusque but not rude (differentiating them from East Coast stereotypes).The word I use to describe Pittsburghers is salt of the earth. You get the feeling of blue collar work ethic without the steel mills and coal mines.And despite some answers below, I actually do think it feels a decent bit like Chicago. Topographically it doesn’t. It’s built on a ton of hills and cliffs and surrounded by rivers while Chicago is as flat as JFK’s heart beat. But you get the same feeling from the people and the food scene is like a mini-Chicago.Economically:Despite being midwestern, Pittsburgh is not Detroit or Cleveland (thank the lord).Detroit & Pittsburgh: A tale of two citiesWhile Detroit is experiencing a hipster “renaissance” fueled by easy credit and an affinity for coffee shops, Pittsburgh has largely been recovered from losing its blue collar industry for the last 10–20 years. The major industries are “eds and meds” — universities and hospitals — which are pretty much recession proof. People still die and go to school when the bottom falls out.On top of that, major tech companies look to Pittsburgh — especially for robotics. Uber has their Advanced Technologies Group here, Google, Apple, Facebook, and Intel all have offices. Ford just acquired a self-driving car company here. All signs point upwards for tech. These give it a more North Eastern vibe to me — more like a grittier Boston, almost.Geographically:This is the hardest one. It doesn’t really fit firmly in the midwest — which is thought to be flatter and more like Illinois or Michigan — but it definitely doesn’t fit in the east coast. Some people invent the “mid-Atlantic” category, but that doesn’t make sense either. Pittsburgh feels different than Philadelphia and is much further away from the Atlantic.I consider it Appalachian. It is in the same weird region as southern and West Virginia that don’t really fall into categories themselves…but that is not helpful. It’s like “Mid-Atlantic…” — what does it mean?It honestly depends on how you define the Midwest. Different people have different opinions:Language-wise, it is its own beast. Pittsburghese is a unique, local dialect that has elements of New England and midwestern.(Source, fantastic American English Dialect map: American English Dialects)It’s also the ugliest dialect I know — but weirdly endearing:

Great question. Thanks for the A2A.DC is the southern anchor of the Northeast megalopolis. DC itself has height restrictions so it doesn’t have much of a skyline. The buildings across the river in Crystal City and in Arlington are more prominent if not nearly as majestic as the monuments of Washington. But even there, Reagan National Airport is right on the river so there are FAA imposed height restrictions around the approaches to the runway as well.Baltimore is 38 miles to the northeast of DC. It has a skyline you’d expect for a city of its size.Philadelphia is 97 miles to the northeast of Baltimore. It never had height restrictions as a matter of law but it did have a “gentleman’s agreement” that no one would build anything taller than the top of William Penn’s hat. It’s a reference to the statue of the city’s founder that sits atop City Hall (top center of photo at the terminus of the boulevard). You can see the older buildings on either side of the photo carefully adhered to this rule. But after much debate, it was decided that the unofficial rule was holding the city back and a new agreement was made in the 1980s. West of City Hall, you could go as tall as you’d like.As you can see, Philadelphia looks more like a mix of the two cities. It has the modern skyline of Baltimore (but larger) and it also has the grand boulevards and open spaces of DC.In terms of transportation, DC is the hub of a large, metro rail network. In 2019 it was the 2nd busiest metro subway system in the US after NYC. It has 6 metro lines and one light rail line that is currently under construction (the purple line). It also has two commuter rail lines that go south from Union Station and serve the suburbs in Virginia and 3 commuter rail lines that go north from Union Station that serve the Maryland suburbs. Two of those commuter rail lines go north to downtown Baltimore.DC achieves such high ridership for its size because employment is heavily concentrated around the core of the system, traffic terrible, and parking is worse. Perhaps more importantly, the system was planned in the 1960s when 2/3 of the current metropolitan region hadn’t been built yet. Employment and housing is clustered around the metro, even in the suburbs, in a way that you don’t see even in New York or Chicago. The look, feel, and energy when riding the DC Metro is like nowhere else I’ve ever been.Baltimore is the center of a smaller rail network. One subway line, one light rail line, and two commuter rail lines that also serve downtown (shown in gray), it’s smaller but still substantial for a US city of that size.Baltimore (somewhat famously in planning circles) recently blundered the planning and funding of an east/west light rail line known as “the Red Line.” It would have really brought the city out of the slowly sinking rut that it’s in by linking major employers and population centers and creating multiple links with the existing transit network. But no one could build a consensus around it, no one introduced any real alternatives, and no one would make an executive decision. So the project was abandoned before anyone put a shovel in the ground. In my opinion, this is emblematic of the larger problems with Baltimore.Philadelphia is the center of a large rail network. It has two subway lines plus a third subway line that goes to New Jersey. There are 6 streetcar lines in the city. Five of them share a subway tunnel through the university and downtown areas. It also has 4 interurban lines that serve the suburbs and connect with one of the subway lines and one of the commuter rail lines. There are 14 commuter rail lines. 12 of them have service at least once an hour off-peak and every 12–30 minutes peak.Typical housing in DC looks like thisor like thisor thisTypical Baltimore housing looks like thisPhiladelphia covers a much larger area than the other two so it has a wider range of housing types within the city.It’s not that you won’t find these latter two types of housing in DC or Baltimore - it’s just that they’re fewer and less likely to be within the city limits.The cities of DC and Baltimore are both geographically small. Philadelphia is 134 square miles of land area. Baltimore is 81. DC is 61. When you visit DC or Baltimore from Philadelphia they feel like smaller towns.Still, all 3 of these cities are very similar in that, at their core, they’re all cities of rowhomes. That’s obvious to anyone from any of these cities - Brooklyn included. But if you’re not from this part of the country:you might be asking yourself, what the heck is a rowhouse? But in a nutshell, it’s a housing style that was imported from England. In the modern sense, when these get built in the suburbs in the US, most people would call these townhouses. But in these big cities there’s a distinction. Rowhomes are more typically working and middle class housing that’s 2–3 floors. Townhomes are 3–6 floors and were usually built with basement kitchens and servants quarters on the upper floor(s). Another important distinction is that in the cities of the Mid-Atlantic, a rowhouse is almost always Fee simple - Wikipedia while newer, suburban townhouses are almost always Condominium - Wikipedia.Rowhomes are not unique to the Mid-Atlantic region of the US. You can find a lot of them in Boston and San Francisco. You’ll also find them to a lesser extent in the oldest parts of Chicago and in smaller, but older port cities like Cincinnati, St. Louis, New Orleans, Charleston, and Savannah. But in the Mid-Atlantic this housing type is ubiquitous in big cities and also common in the smaller cities. If you go to Atlantic City or Frederick, MD or Lancaster, PA you’re going to see a lot of rowhomes. Older rowhomes are so common in the suburbs of Baltimore and Philadelphia that a new, mid century style of rowhome known as the airlite emerged after WWII. They’re usually two floors with a rear-loaded garage at basement level although those built in the late 1960s -1980s often have front-loaded garages.Here they are described in an article in the Philadelphia Inquirer:Mayfair's houses are primarily airlites. Cloman bought one built in 1945 for $99,850.Simply put, an airlite is a rowhouse with its kitchen and dining room side by side at the rear of the first floor - as opposed to a "straight-through" rowhouse, in which one (typically the kitchen) is behind the other.Airlites became standard after World War II; many were built by the Korman and Orleans companies. Mayfair: Those who move out yearn to returnBut even if you are from the Mid-Atlantic but you don’t live in one of the cities the difference in rowhome styles between cities might not be readily apparent. People from the cities, especially people who live in a rowhome, notice the width and depth of the lots, the number and placement of windows, and the building materials and ornamentation right down to the color of brick used. In DC it’s common to see painted brick, often in bright colors. Baltimore is famous for Formstone - Wikipedia. In Philly, painting the brick is far less popular and considered an affront by many (“you don’t paint brick” is a common refrain among the older generation in Philly), but in large swathes of Philly you can find the more-tacky-than-paint big, green, fiberglass awnings. (You can see a white, aluminum one covering the door in the photo above.)We’ve covered where people live and how they get around but how about how they live and how they interact? Baltimore and DC are very close together. 38 miles. In the suburbs between the two cities there’s a lot of overlap and interaction. One way to see that is a map of baseball allegiances. Granted, the Orioles moved from St. Louis in 1954 and the Nats moved from Montreal in 2005 so those O roots run a lot deeper in the region but it’s still a good guide to which city people are oriented towards.A Map of Baseball Nation (Published 2014)The hardcore Orioles support tracks pretty close to the Metropolitan Statistical Area (MSA) boundaries. Think of the MSA as a bubble where most people inside of it also work and do most of their shopping inside of it. Baltimore and Washington are actually part of the same Consolidated Statistical Area (CSA) where there’s enough overlap in commerce that it’s necessary to show another layer. DC and its suburbs are in light green. Baltimore in dark green.If you look at a map of NFL fans it lines up almost exactly the same way - along that boundary between the two MSAs.But you can also see how the two cities are tied together in terms of commuting. The map below almost makes Baltimore look like a suburb of DC.It’s really difficult to unravel the two cities economically. The road and rail connections are obvious. Baltimore’s main airport is called, “Baltimore-Washington International” because it’s between the two cities. The Federal government is the main employer in the DC metro area and DC was created for this purpose. Prior to L’Enfant’s Plan there was just a little town on the Potomac known as Georgetown and another across the river - Alexandria. But the Feds have also become a huge employer in the Baltimore metro. Federal employment is much less relevant in Philadelphia.It’s difficult to see the economic divisions but it’s much less difficult to see the cultural differences. The DC metro area population has grown 50% since 1990. Almost all of those people are transplants and even for many in their 20s and 30s who can say they were born and raised in the DC area, they have no deeper family roots there. The population of DC proper has also grown by about 25% since 1990. DC and the suburbs are full of immigrants and transplants from other parts of the country.DC and the areas of the suburbs along the Metro lines are a revolving door of young 20 and 30 somethings and of the professional and political classes from all over the US and the world. It comes with a lot of strivers and dream chasers and, as such, a lot of people who are status obsessed. This isn’t the wealth status of NYC or the fame status of Hollywood. It’s more a status of titles and connections - status obsessed nonetheless.By contrast the Baltimore metro area has grown by 17.5% since 1990 while Baltimore city has lost 19.5% of its population since 1990. While the Baltimore suburbs certainly have their fair share of recent immigrants, most people who live in Baltimore city and the Baltimore metro area are from there. It’s still a blue-collar town, a port city, and most of the business and industry is homegrown.Unlike DC, Baltimore city still has a brutal crime problem. Let’s put it this way, Tijuana and Juarez have the #1 and #2 highest homicide rates in the world. Cape Town is #7. St. Louis is #9. Baltimore is #11. The only other US city in the top 50 is Detroit (#34). That’s not to say that crime is a big problem in the Baltimore suburbs but it’s the main reason that the city is losing population while the suburbs are growing relatively quickly. You can research all this . . . or, if you want a chuckle, you can just get on Zillow and compare real estate prices between the two cities.Here are the current populations for all three places -and a closer look at the demographics of each city -So how does Philly compare to Baltimore? It’s much further away compared to DC at 97 miles from Baltimore. Philly is a lot bigger than Baltimore and it feels a lot bigger. The Philly metro area has grown by 12% since 1990. The city population is the same as it was in 1990. Most people you meet there are from the Delaware Valley or, if not, grew up within a 100 mile radius of Philly. It’s not to say that Philly doesn’t have immigrants or people from other parts of the US. It does. The +60 colleges and universities in and around Philadelphia, some of them quite famous, are a huge draw to the region. All that is to say, in terms of hometown pride, Philly is more like Baltimore in this regard than it is like DC.Philly, like Baltimore, is a port city. If you live in the Mid-Atlantic, New England, or southern Ontario and you drink coffee (Melitta has a big roasting operation in Cherry Hill for this reason), eat fruit from South America, or any frozen meats . . . chances are they came through one of the breakbulk or container terminals in South Philly or Camden. That scene in Rocky where’s he punching the side of beef in the meat locker? There’s a huge refrigerated terminal complex just east of the stadiums in South Philly.Baltimore also has a large port but it’s more geared towards steel and receiving new automobiles.Philly is full of homegrown businesses. Comcast, Vanguard, Urban Outfitters/Free People, Destination Maternity, La Colombe, to name a few. Philly isn’t famous for TV broadcasting anymore but it’s where TV really got its start. It’s no longer famous for textiles or finance either but it’s still happening there. When you’re in Philly, especially when you’re within 2 or 3 miles of City Hall, there’s a buzz of creative energy that you can feel that just isn’t the same in Baltimore or even in DC.Baltimore and Philly have very similar accents. The accents vary enough by ethnic group, socio-economic status, and from east to west and north to south that it’s not always apparent if someone is from the Philly area or the Baltimore area. It’s like talking to someone with a mellow Canadian accent. It’s not obvious at first but it they talk long enough, eventually you get to, “ohhh, you’re from Maryland.” I tried to find clips where the speakers aren’t putting it on (*language warning*). One of the defining features of this speech is how people pronounce the letters o and i. If you want to nail someone on their MidAtlantic accent, get them to say “oh, alright!”Delaware County, PA (Philly suburbs)Baltimore -South Jersey (Philly suburbs)Washington, DC -I picked all white dudes here for consistency in comparison. Kevin Hart has an almost cliché Philly accent — like if you were going to cast a black dude to play a working class character set in the city this is the accent he should probably have.And maybe less famous but still dialed in . . .The old school DC accent has largely retreated from the District into the Maryland suburbs and even there has faded somewhat but you can still catch pieces of it in interviews with actors like Jonathan Banks or Jon Bernthal. It’s still alive and well in Philly and Baltimore, though. So in that sense Philly and Baltimore have more in common.But speaking of Rye Rye I almost forgot about Baltimore Club. I really don't know much about the DC party scene at all but Baltimore Club Music is a big deal locally and well known around the world by enthusiasts. It was a big export to Philly and New Jersey but then evolved a little differently in those places. The rowhouse nature of Philly and Baltimore (and the cheap rents) makes for some pretty epic house parties and a lot of small clubs where DJs and musicians can experiment and take risks with live audiences.It’s hard to give a clear answer on the question so I’ll say this (my opinion) and leave it up to you to decide the rest. All 3 of these places have a lot in common culturally and aesthetically but are distinct and it’s obvious to anyone who visits them.I had good friends who lived in DC for 10 years. I’d go and visit them often, even when they moved out to Vienna. Whenever we were out in DC it always felt soulless. Like a museum. The food wasn’t bad - just boring. No one is from there and no one hangs out there forever. It’s like a more urban Charlotte than like Philly or Boston. If you want to find the real DC it’s almost like you have to go out into the suburbs and especially the Maryland suburbs.Combine that with all of the transplants and their networking hustle and this is mostly why I’d say Philly and Baltimore have more in common. There’s more of a blue collar pride and even when people aren’t necessarily blue collar themselves they still have those roots and have less patience for pretense and corporate climbers.I’ve also been to Baltimore a lot. My brother lived there for 2 years, I’ve gone down to O’s games. Gone down to see bands play and sometimes just for shits & giggles. It’s not far from Philly by car and it’s a one hour ride on Amtrak. It’s not a big deal to head down on a Saturday afternoon on a whim. But when I’m there it feels like I’m in a big version of Trenton or Wilmington. Like I’m in a lower energy suburb or outpost of Philly. Places like Hampden or around Hopkins or Little Italy can sometimes feel like a neighborhood in Philly that you’re familiar with but there’s always something a little off. Maybe it’s the architecture, the people, the atty-tude. But it’s always something. When you go to downtown Baltimore it doesn’t feel anything like Center City Philly. It feels quiet. And my general feeling about being in Baltimore is a feeling you might get on a Saturday afternoon in the middle of the summer when it’s really quiet and you wonder, “Maybe everyone is down the Shore this weekend?” (I’m from the Shore so I would never casually utter the phrase “down the Shore” but that’s what people say. Unless you’re from Baltimore, in which case it’s “down the Ocean.”) That sense of quiet is not a vibe that’s normal for DC or Philly.