Jessica liked hers. She didn't like the firm feel under the heel from the battery and I don't like that the insoles have to be pulled to charge (and they are a pain to get out!), but she wasn't cold so that's that.Going to give heated insoles a shot in wife’s and my boots. Back to REI they will go without shame if they are ineffective.
Is that gorilla tape? Uh oh!View attachment 155898
Going to give heated insoles a shot in wife’s and my boots. Back to REI they will go without shame if they are ineffective.
Hotronic setup on my liners:
View attachment 155910View attachment 155911View attachment 155912
Putting a small bomb in your boot us a bad idea.Is that gorilla tape? Uh oh!
Do they make them with a flexible battery as the actual insole yet? Seems like dealing with the battery might be annoying.
Though maybe having weight on a bending lithium battery might not be ideal...
Wife’s ones have the battery under the heel. So they need to be pulled out to charge each time, which is a pain, plus the battery is rigid.Is that gorilla tape? Uh oh!
Do they make them with a flexible battery as the actual insole yet? Seems like dealing with the battery might be annoying.
Though maybe having weight on a bending lithium battery might not be ideal...
PMI, boo. Rates are good even on second homes, though! If 10% I need to wait at least until I know how much my April half year bonus will be—don’t want to be liquid cash-poor.for Grand County Colorado, the minimum down payment for 2nd homes is 10% (with MI) up to a purchase price of $610,000…then the down payment increases to 20% beyond that…however we can do a 1st mortgage + a 2nd up to around 90% if your credit score is high to get you to a lower down payment on the larger home.
Please call my cell [elided] tomorrow when you are free so that we can chat further and I can also go over rates and programs…just for examples for now to help:
A new purchase price of $610,000 with 10% down = new 30 year fixed at 2.625%
A new purchase price of $750,000 with a 1st & 2nd combination loan = new 30 year fixed at 2.750% with 0.123 points on the 1st mortgage, and the 2nd loan around 6% interest only payments
Yeah, that’s really solid.@Toshi putting out the horse power!
I tried to replicate this ride. I failed. Couldn’t hold 150% FTP for even the full duration of the first block of five so dialed it back. Still a good ride to balance all that zone 1/2 time up to this point.Tomorrow I’m doing another hard interval ride to see if I can replicate the glucose response of another Twitter doc. 2.5 minutes on at 150% ftp (so zone 6/7 boundary, 411W or so), 3 min recovery x 5 times. That’ll hurt a bit.
@Toshi putting out the horse power!
The whole "pulling out to charge" bit is too much. I was using pliers since I couldn't get my fingers under that rigid battery part way down in that dark cave of her boot liner, and the back of the insole is already getting torn up by this since I can't precisely aim at the (black) pull tab thing.Wife’s ones have the battery under the heel. So they need to be pulled out to charge each time, which is a pain, plus the battery is rigid.
Mine needed the cord routed through the liner but pulling the (higher capacity thus higher power for given runtime) external batteries is much simpler and my insole feels normal.
Checking balance recently:<checks remaining mortgage balance>
I was hoping to be almost done by now, S losing her job last year squashed that timeline.Wife and I have agreed that we *may* be able to pull this off in 2021. I'd really like to get rid of that shit.
I'll be sure to let you know *how* much better when we get there.I recently refi'd for 2.75%, 40% LTV. I don't even mind the mortgage.
(yes, obviously NO mortgage would be better)
Still 30 years then given that rate?I close tomorrow on a 2.5% refinance.
Still 30 years then given that rate?
Related to mortgages and financial trickery:
Thought of the moment related to Project Mountain Home:
Is there a good reason to not employ loans from my 403(b) and 457(b) retirement plans towards a down payment on a second home? I have account balances such that the max $50k account could be extracted from each.
Downsides that I see:
- loan payments would count against DTI, but I’m fine there
- not accruing investment gains on loaned money
Upsides:
- could make the mortgage a conventional, conforming loan and thus no PMI, no funky extra 10% high interest loans, etc.
- the interest paid back for said loans would be paid back to me, so doesn’t really matter, imo
- I could pay these loans off probably by year 2
SameI can pay down an extra 50% per year with this 30yr mortgage, yet not be locked into the higher payment on a 15 year.
Heh... pretty sure I've only skied the "meadow" part of Union Meadows... and there's a big boulder field there. I've never been back.
There's no exit from the meadow save through the trees, afaik. Then again I've probably only done it a half dozen times.Heh... pretty sure I've only skied the "meadow" part of Union Meadows... and there's a big boulder field there. I've never been back.
I'm pretty sure I hollered at my buddy to NOT follow me and traverse east to avoid the rocks. I don't remember any trees... so we may have traversed back to Retreat. Aptly named.There's no exit from the meadow save through the trees, afaik. Then again I've probably only done it a half dozen times.
You'd remember this entrance, I'd thinkI'm pretty sure I hollered at my buddy to NOT follow me and traverse east to avoid the rocks. I don't remember any trees... so we may have traversed back to Retreat. Aptly named.
Heh....I saw me.You'd remember this entrance, I'd think
(I think there are other "less direct" lines as well but y tho)