Yup, I’m definitely going to worry about that from now on
Toshi's thread
- Thread starter Toshi
- Start date
Traffic Light and Stop Sign Control
Short version: Better than I expected, but still not actually useful.
Long version:
Locals: Mountain Lion is not good to go.
Snow and ice from Through the Trees. I turned around there. Still a good ride. I cleared everything on the first climbing stretch—Dakota Ridge punishment laps have been good to me.
10 person-interactions on the trail: 7 hikers, 3 of whom I passed twice (up and then down).
Snow and ice from Through the Trees. I turned around there. Still a good ride. I cleared everything on the first climbing stretch—Dakota Ridge punishment laps have been good to me.
10 person-interactions on the trail: 7 hikers, 3 of whom I passed twice (up and then down).
Uh, if you all still have jobs--sensitive subject, I know--you might want to look into refinancing your mortgage.
Costcofinance.com showed 2.75% x 15 years fixed, 0 points, so I pulled the trigger... and the loan broker came back and said he can do better yet.
2.625% x 15 years fixed, 0.27 point lender credit to me. If appraisal is waived that'll be about $1000 net closing costs.
That is fairly phenomenal. Conventional jumbo loan on a primary single family residence, for the record.
Attn @stoney
Costcofinance.com showed 2.75% x 15 years fixed, 0 points, so I pulled the trigger... and the loan broker came back and said he can do better yet.
2.625% x 15 years fixed, 0.27 point lender credit to me. If appraisal is waived that'll be about $1000 net closing costs.
That is fairly phenomenal. Conventional jumbo loan on a primary single family residence, for the record.
Attn @stoney
Actual Remaining Term: 4 Year(s), 5 Month(s)
You see any screaming deals on 5y ARMs while you were looking around? Asking for a friend.
Might have to look into it again, Didn't pull trigger on 2.875 a few weeks ago as the costs didn't make it worthwhile over the savings...
Per this calculator
Mortgage Refinance Calculator: Should I Refinance? - NerdWallet
Interested in refinancing to a lower rate or lower monthly payment? With NerdWallet's free refinance calculator, you can calculate your new monthly payment and estimate your monthly and lifetime savings.
I'll save just shy of $29k over 15 years, assuming $1k closing costs. Over 10 years the savings is just under $25k, so it's really up front (due to the amortization).
Make sure to click on New Mortgage Details and adjust the closing costs.
3.375 down to 3.25 would save me $5k over life of the loan and $55/m. I had an appraisal done 6 months ago and my current lender is on the list. Bet I can get it without the appraisal fee too...
Product configurator | CAKE
The Ösa Lite is an electric and modular utility moped with off-road capabilities. A work bench & power station on wheels.
ridecake.com
Have I posted this already?
Cake Osa. 10 kW, 90 km/h, 60 km range.
and they want $8,500 for that. Who in their right mind is lining up for those specs at that price?
What are the chances of having a normal ski season? Hmm
I have credits from Copper that I could use towards a Premier upgrade to an Ikon Pass next year. Not going to do Copper only again this season since elder kid will do Winter Park Devo if that’s happening.
I also can get the renewal price on a Loveland Pass Pass (heh) as recompense for my minimally used Pass Card this season.
Edit: Ikon has free transfer of pass value to 2021-2022 should it come to that, so I'll buy at least a pass for me on May 26 (their deadline is May 27). Might just do a 4 pack for the wife or use buddy passes for her. Loveland's deadline is Dec 1 so I'll decide late November.
I have credits from Copper that I could use towards a Premier upgrade to an Ikon Pass next year. Not going to do Copper only again this season since elder kid will do Winter Park Devo if that’s happening.
I also can get the renewal price on a Loveland Pass Pass (heh) as recompense for my minimally used Pass Card this season.
Edit: Ikon has free transfer of pass value to 2021-2022 should it come to that, so I'll buy at least a pass for me on May 26 (their deadline is May 27). Might just do a 4 pack for the wife or use buddy passes for her. Loveland's deadline is Dec 1 so I'll decide late November.
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Upside:
My and my wife's variable rate 1 mo LIBOR + 0% student loans reset this month to 0.45%! Also, I still have a job at 1.0 FTE and the same base salary. Wife continues to make no money so at least no net change there, and household spending is down.
Downside:
Still owe a shit ton of money overall to various parties. Current overall tally is $744,863 per mint. Although mathematically I probably could make it work if I liquidated, mentally this constrains me in the short term from life possibilities like emigrating to NZ (which would involve taking a pay cut + higher taxes).
My and my wife's variable rate 1 mo LIBOR + 0% student loans reset this month to 0.45%! Also, I still have a job at 1.0 FTE and the same base salary. Wife continues to make no money so at least no net change there, and household spending is down.
Downside:
Still owe a shit ton of money overall to various parties. Current overall tally is $744,863 per mint. Although mathematically I probably could make it work if I liquidated, mentally this constrains me in the short term from life possibilities like emigrating to NZ (which would involve taking a pay cut + higher taxes).
Yes. And seeing the economic ripples through even the medical world has been sobering.Long term game I know, but still:
I’m coming out of this a lot better than others I know in radiology.
On the upside I found out today that NZ actually doesn’t have higher taxes! Indeed my marginal rate would be lower. How that works is that like Northern Europe said highest rate is achieved shortly after (what I imagine to be) median income. Wider tax base vs Mitt Romney’s 47% here.
So re that Di2 upgrade idea for my elder kid's bike: I had been having trouble contacting my LBS. They'd never pick up the phone. I figured they might be sitting around, despondent.
Well, it turns out that they are instead crazy busy! Booked out for service until June 15, estimated 200 bikes in the shop awaiting service, and they've sold out of their stock of bikes on the floor.
I guess I'll be wrenching on the bike (+ wife's trike that needs some brake attention) myself instead. Good for them, though!
Well, it turns out that they are instead crazy busy! Booked out for service until June 15, estimated 200 bikes in the shop awaiting service, and they've sold out of their stock of bikes on the floor.
I guess I'll be wrenching on the bike (+ wife's trike that needs some brake attention) myself instead. Good for them, though!
I ordered up a 2006 SRAM X.0 9 speed Grip Shift from Amazon just now. Gonna give that a try before going full Di2.
So where should I ride tomorrow and Friday? I like rox. I do not like crowds or sheer ice. I have a CO parks pass.Jeez, man... I coulda told you Mt. Lion wasn't ready to go.
Deer Crik?I ordered up a 2006 SRAM X.0 9 speed Grip Shift from Amazon just now. Gonna give that a try before going full Di2.
So where should I ride tomorrow and Friday? I like rox. I do not like crowds or sheer ice. I have a CO parks pass.
No. Work is f**king with me presently.
This week is le suq. This whole "having a job during a pandemic" sucks.
Do they allow motorbikes at Floyd Hill?
That is technically unclear, since it's Clear Creek County, not JeffCo. But I think it's de facto allowed. Seen quite a few e-bike logged rides from there on le Strava.
If You Can Read This, Your New Jeep Wrangler Has Flipped Over
It seems the redesigned Jeep Wrangler is no match for the Insurance Institute for Highway Safety notorious small frontal overlap crash test—it’s the first car to ever flip over in the test.
jalopnik.com
First time any vehicle has flipped in the small overlap test.
If You Can Read This, Your New Jeep Wrangler Has Flipped Over
It seems the redesigned Jeep Wrangler is no match for the Insurance Institute for Highway Safety notorious small frontal overlap crash test—it’s the first car to ever flip over in the test.
First time any vehicle has flipped in the small overlap test.
Kind of want
www.thedrive.com
Attn @dan-o
Tesla-Swapped 2004 Ford F-450 Super Duty Is an Electric Truck for the People
It's no Cybertruck, but that's kind of the point.
www.thedrive.com
Attn @dan-o
TIL a wrangler could get a worse safety rating than it already had.If You Can Read This, Your New Jeep Wrangler Has Flipped Over
It seems the redesigned Jeep Wrangler is no match for the Insurance Institute for Highway Safety notorious small frontal overlap crash test—it’s the first car to ever flip over in the test.
First time any vehicle has flipped in the small overlap test.
Seriously. I drove one for 18 years and had zero illusions about how "safe" it was. Do people really buy these things thinking they are getting a volvo?
Did I mention I bought another electric lawn mower? (The astute reader will note I bought then returned two in 2016, with one a corded weak job and another an 80V Kobalt battery powered disappointment.)
This latest one is a Greenworks 60V self-propelled 25” (!) dual blade jobber. Was on sale at Lowe’s for $499 including 4 Ah, 2 Ah batteries and a charger. It’s currently there for $100 more.
An update after mowing with it:
- not as quiet as I hoped but no vibration. Still using ear protection.
- 25” width is awesome. Combined with good self propulsion speed at the middle setting I just zip right through the task.
- didn’t get bogged down or clogged even in fairly heavy and tall grass
- tiny bag to catch clippings compared to my commercial (gas) Honda. Had to empty it three times and probably should have a fourth.
- cutting quality good when bagging
- more than adequate energy capacity. I had the 4 Ah and 2 Ah (at 60V) batteries in. It drained the 4 Ah halfway to do the back and front lawns and didn’t touch the 2 Ah pack (switches over automatically)
Verdict: I think this electric mower is finally a keeper!
This latest one is a Greenworks 60V self-propelled 25” (!) dual blade jobber. Was on sale at Lowe’s for $499 including 4 Ah, 2 Ah batteries and a charger. It’s currently there for $100 more.
An update after mowing with it:
- not as quiet as I hoped but no vibration. Still using ear protection.
- 25” width is awesome. Combined with good self propulsion speed at the middle setting I just zip right through the task.
- didn’t get bogged down or clogged even in fairly heavy and tall grass
- tiny bag to catch clippings compared to my commercial (gas) Honda. Had to empty it three times and probably should have a fourth.
- cutting quality good when bagging
- more than adequate energy capacity. I had the 4 Ah and 2 Ah (at 60V) batteries in. It drained the 4 Ah halfway to do the back and front lawns and didn’t touch the 2 Ah pack (switches over automatically)
Verdict: I think this electric mower is finally a keeper!
Don't tell me a man of you intelligence could not find a solution to that problem
I just expanded the lawn to it reaches the other side of the house and made a nice slope for the mower which involved a lot of digging but totally worth it. It such a brilliant machine. I only need to have it running max 2 hours per day at the moment and maybe a little more when the new grass is ready for prime time.
Took another FTP test on le Peloton tonight.
205 W after the 90% adjustment for 20 minute length. Perceived effort felt about right, but I felt a ceiling to my anaerobic efforts, which is probably related to my low-moderate carb diet.
I'll tease out my anaerobic capacity on Wednesday with a CP3 test after an easy zone 1 spin tomorrow night.
roadcyclinguk.com
The approximation for how much energy is stored in one's active muscles' glycogen and thus quickly mobilized for anaerobic bursts via the CP3 test is:
([avg power over 3 min] - [avg power over the last min]) * (100 J/s / 100 W) * 180 seconds == [anaerobic capacity in Joules]
I'll look into this article when I have more time to burn/when it's not late at night wrt anaerobic capacity:
link.springer.com
Max HR hit was 178 bpm. By the 220 - age approximation I should be 181.5 bpm. By the 207 - 70% * age approximation I should be 180 bpm max, so I was right where I should be.
205 W after the 90% adjustment for 20 minute length. Perceived effort felt about right, but I felt a ceiling to my anaerobic efforts, which is probably related to my low-moderate carb diet.
I'll tease out my anaerobic capacity on Wednesday with a CP3 test after an easy zone 1 spin tomorrow night.
Six things you need to know about... anaerobic capacity - Road Cycling UK
Why anaerobic capacity is important, what it tells us and how to improve it
roadcyclinguk.com
The approximation for how much energy is stored in one's active muscles' glycogen and thus quickly mobilized for anaerobic bursts via the CP3 test is:
([avg power over 3 min] - [avg power over the last min]) * (100 J/s / 100 W) * 180 seconds == [anaerobic capacity in Joules]
I'll look into this article when I have more time to burn/when it's not late at night wrt anaerobic capacity:
Maximal aerobic power and anaerobic capacity in cycling across the age spectrum in male master athletes - European Journal of Applied Physiology
Purpose We analyzed the best performance times of master cycling athletes in the 200–3000 m track competitions to estimate the decay of maximal aerobic power (MAP) and anaerobic capacity (AnS) with aging. Methods In various decades of age (30–80 years), MAP and AnS were estimated using an...
link.springer.com
Max HR hit was 178 bpm. By the 220 - age approximation I should be 181.5 bpm. By the 207 - 70% * age approximation I should be 180 bpm max, so I was right where I should be.
Specialized's ultra-light, 120-mile range e-bike mixes fitness and transport
Specialized has just released the latest edition to its Turbo e-bike lineup, the Specialized Turbo Vado SL. With “SL” standing for Super Light, this is also one of the lightest e-bikes in Specialized’s lineup, weighing in at as little as 33 lb (14.9 kg). And while some of Specialized’s...
Very nice package, IMO. Good price for a name brand mid drive (torque sensing >> cadence sensing!). 28 mph limit. Battery all in downtube. Light/fender/rack options for the commuting use it'd be well suited for.
