Toshi's thread
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Two more days to enter the Secret Santa!
Entries must be in by midnight on November 29th. We're kicking off the 2024 Secret Santa! Exchange gifts with other monkeys - from beer and snacks, to bike gear, to custom machined holiday decorations and tools by our more talented members, there's something for everyone.
while I'm sure it's fun, too much for me and not much original left.@Nick
25-Years-Owned 1997 Porsche 911 Turbo
Bid for the chance to own a 25-Years-Owned 1997 Porsche 911 Turbo at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #102,438.bringatrailer.com
a bold color choice. Speed Yellow.
THIS would be acceptable.
https://bringatrailer.com/listing/1996-porsche-911-turbo-114/
They're OEM wheels, just painted. That doesn't bug me.The body colour is fine.......................but those wheels
But, those turbo twist wheels are an iconic look on the 993, and they are to be silver. NO YELLOW!
No yellow tyres, no sale.@Nick
25-Years-Owned 1997 Porsche 911 Turbo
Bid for the chance to own a 25-Years-Owned 1997 Porsche 911 Turbo at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #102,438.
a bold color choice. Speed Yellow.
a fair point, a fair pointBut, those turbo twist wheels are an iconic look on the 993, and they are to be silver. NO YELLOW!
I like the RUF monobloc looking ones even more
not that I will ever have a 993 :derp:
Arguing about makeup...But, those turbo twist wheels are an iconic look on the 993, and they are to be silver. NO YELLOW!
Bases nicely repaired.
Cast system with the Look Pivot 15s installed. The metal toe 15s plus the extra Cast plate make for noticeably more weight now.
I’m glad I had them show me how to use the tech toe (to allow for which you remove the regular toe), as it was not engaging right
edit: turned out to be some metal pieces in the tech toe needed to be bent to clear properly. Apparently this is a thing described on the Cast website. Engages fine now.
Cast system with the Look Pivot 15s installed. The metal toe 15s plus the extra Cast plate make for noticeably more weight now.
I’m glad I had them show me how to use the tech toe (to allow for which you remove the regular toe), as it was not engaging right
edit: turned out to be some metal pieces in the tech toe needed to be bent to clear properly. Apparently this is a thing described on the Cast website. Engages fine now.
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I also chatted with several shop guys/gals at Powder7 while waiting on my skis to be tested with my boots, etc. Our conclusions:
I will be a good boy and just try to demo things for the remainder of this season, and do the buy/sell thing next fall if that doesn't pan out.
I really would like to get out and demo some Dispatches and/or the new Mindbender 116Cs. But worst case, if I can't find 'em anywhere (@Nick do you have either of these in your library of skis?!) then I could always buy them from Powder7 +/- as a mounted demo and then resell to them if I don't like 'em, only eating the depreciation + transaction cost, if you will.
I will be a good boy and just try to demo things for the remainder of this season, and do the buy/sell thing next fall if that doesn't pan out.
People listing places now that ski season is winding down a bit. (Although it technically will be on for many more weeks yet given good snowpack this year.) Much nicer finishes and newer kitchens, etc. in these than in my weird house but in terms of $/sq ft these are much, much more expensive.
Recall I paid $206/sq ft albeit am putting in a lot of money into the place. Probably will be in the $300-325 sq/ft range by the time all is said and done, but that's still significantly lower than what these people are asking: $358-500ish/sq ft.
In other news as per the edit to the last hot tub post on the last page I officially ordered a Bullfrog R8L. No swim spa. Still waiting on drawings from the structural engineer for the relatively minor (one post/caisson, small structure atop it supporting the hot tub through the deck surface) reinforcement, and then getting that done.
the L in R8L denotes a lounger seat. 8 is dimensions along the side. Non-L would seat 8, L will seat 7, and I think the lounger would be nice so that's that.
Re price comparisons:
- $325/sq ft will be after all the renovation work is done on my place and it's comparable in finish quality and the like
- too lazy to do the specific math but the interest rate spread between rates available now and what I have locked in (2.375% fixed x 30 yrs) is also huge
- $325/sq ft will be after all the renovation work is done on my place and it's comparable in finish quality and the like
- too lazy to do the specific math but the interest rate spread between rates available now and what I have locked in (2.375% fixed x 30 yrs) is also huge
Only the half moon piece seems to have broken (this the intact one). $28.54 shipped for a pair of half moons from a Breckenridge shop.
So I definitely got upsold. And I’m ok with it as the excuse to go to Cast.
These will live on on different skis.
So I definitely got upsold. And I’m ok with it as the excuse to go to Cast.
These will live on on different skis.
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so did you ever get this resolved?Speaking of HELOCs... still haven't gotten the "mystery lien" issue sorted. Sure glad I handed it over to an attorney so I don't need to spend time fucking with it.
did the math:
My Tabernash mortgage is $3,593.66/mo. But that's PITI: $922.69 is to escrow, so PI alone is $2,670.97 (for a head to head comparison to what bankrate's calculator will spit out).
When I plugged in some numbers for a jumbo conventional 30 year fixed mortgage on bankrate they came up with precisely 0 automatic offers when I put in it for a second house. Put in as primary and then Sage comes back at 6.375% fixed x 30 yrs for 0 points. Let's be optimistic (!) and assume that rate would be available for a second house.
So what principal amount could be financed such that the PI portion of the payment was ~$2,670.97 at today's assumed rate? Playing around with their page's built in calculator it turns out that works out to $417,000 in principal financed.
Big yikes. (At 2.375% and 0.875 point my transaction was for a $688k note!)
Updated my debt tab on my multi-spreadsheet-o'-things, and decided that rates are high enough on enough debt that it's time to make some changes and pay the high rate debt down and deleverage my situation a bit.
Right now I'm holding about $1.3mm in debt, and that's with neither of the HELOCs drawn upon, and the EQB loan not having materialized yet. I also realized after making this screenshot that I didn't include two small accounts I'm floating 0% balance transfers on at the moment, one of which was used to pay off my wife's student loans. The headline total debt figure doesn't bother me so much as much of it is my lovely fixed, low rate mortgages. The low balance of my taxable slush fund after drawing it down to pay off the hot tub in particular is troubling to me, though, a marker that I'm getting close to having a problem with liquidity.
With the prime rate at 8.00% as of today and a substantial part of this debt/credit line tied to that (namely my student loan, pegged to LIBOR 1 mo, and especially the two HELOCs pegged to the prime rate) then we're looking at quite a bit of money ~8% rate. The S&P 500 returned 7.52% from 1992-2022, in comparison. Put all this together and I think it's time to deleverage.
Until I change my mind and feel more in control of the situation, I've zeroed out my 403(b), 457(b), and my wife's 403(b) monthly contributions*. That will free up some monthly cash flow as will preschool tuition going to 0 over the summer (and then low for the 2023-2024 school year due to Denver subsidies, and free from Kindergarten on). Then as per the quoted post some other monthly expenses will drop off as their underlying debts are paid off in the next year or three. Finally, after we get used to the EQB we'll decide whether my Land Cruiser or the PacHy are staying as its companion, and will sell the other car—both of them are paid off.
I will use this extra cashflow first to get my taxable account back to at least $60k where I feel more comfortable with it, then I will pay down debts. Contrary to strict math I think I will do it to maximize cashflow as they're of different durations. So first my student loan, then the 403(b) loan, then likely the EQB loan, the window loan, and leave the HELOCs for last as they're not only a long term but may well float down in rate in the future.
* I'll still be contributing to my mandatory participation 401(a) as well as re-contributing to my 403(b) via the self-loan payback, if you will.
Cliffs Notes: Toshi is comfortable juggling debt but has reached his mental limit after looking over the numbers, and shall deleverage for a few years.
Not yet.
So it begins: just made the first purchases for the to-be-redone kitchen, budget kept in mind:
Samsung oven with induction range built in, a Samsung dishwasher, and a generic 600 cfm range hood, all from Costco. Scheduled delivery for the first two on May 10.
(Thought about a double oven with the top one with a built in microwave + an induction cooktop but that's $1,500 more that I don't need to spend.)
Going to go with a fancy drawer microwave at the request of the designer, who is finally working on plans and the like this week after her winter break quiescence.
Samsung oven with induction range built in, a Samsung dishwasher, and a generic 600 cfm range hood, all from Costco. Scheduled delivery for the first two on May 10.
(Thought about a double oven with the top one with a built in microwave + an induction cooktop but that's $1,500 more that I don't need to spend.)
Going to go with a fancy drawer microwave at the request of the designer, who is finally working on plans and the like this week after her winter break quiescence.
Samsung appliances? Sounds like a mistake. 
Yeah, I've got to clean up my balance sheet a bit. I'll report back in a year. Or you'll see me file and liquidate in the interim.
(How much the houses are actually worth in this low-purchasing-power-for-incoming-buyers-due-to-interest-rates environment is very much an open question. But in theory that debt is backed up by $2mm+ in property value. In theory. Best not to test those waters at all and just soldier on.)
This x10Samsung appliances? Sounds like a mistake.
Looking back for my brake posts makes me realize I never did this. Got to source some plates and lag bolts.He also recommended adding some metal bolted plates on the facing towards and away from house interface of the outer beams as in this photo (so plates on all four sides ultimately):
Indeed it appears I picked the correct adapters. Went from quite shitty 180 mm rotor Logan brakes to pulled-off-a-new-build 4 pot XTs sourced on eBay + 203 mm rotors. Haven’t tested them, only installed them in the living room and squeezed them after lifting a wheel.
Also appears the geared hub motor has a freehub as this is a cassette per the inscription, I believe. (Some hub motors back during my prior e-bike build days only took screw on freewheels, quite awful.) At some point I might pop on a closer range cassette if such a thing exists in 9 speed. I only use gears 7-9 regularly, assuming the electric bits are working!
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So it is a cassette. Shimano’s options under that model designation:
11-13-15-17-19-21-24-28-32T
11-13-15-17-20-23-26-30-34T
11-13-15-17-20-23-26-30-36T
All those share 11-13-15. What else exists in 9 speed Hyperglide these days? This would work, and 9 speed stuff is dirt cheap!
11-28t (11,12,13,14,16,18,21,24,28)
I will wait until I decide whether to put a dropper and probably the same handlebar I went with on the commuter on the cargo bike and make one order. Getting the drive side axle nut off will be quite the pain in the ass as it’s nestled within a recess in the removable dropout plate, and the power and torque sensor leads emanate from within said hollow axle. Not really sure how I’d do it, actually.
edit: could go to a short cage rear derailleur as well, similarly cheap for 9 speed. Shimano only has medium and long cage in the 9 speed world.
SunRace RS-1 Rear Derailleur
SunRace RS-1 Rear Derailleur :: From $42.00 :: SunRace Rear Derailleurs
www.universalcycles.com
but I am not 100% certain the cable pull ratio is the same! because stupidity.
A complete guide to rear derailleurs
Derailleur compatibility, tooth capacity and much more explained
www.bikeradar.com
it probably would work:
Compatibility [04] Rear derailleurs | BikeGremlin
Which rear derailleur can be paired with which shifters and cassette combination. What to pay attention to when mix-matching
bike.bikegremlin.com
and the Sun Race listing says "2:1".
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Here’s the area. Note the power leads. 3 bolts up high secure the dropout plate on the far side of the frame’s plate (that actually doesn’t touch the axle at all on this side, all via the plate)
Anyway, this ingenious tool exists just for this purpose. Cut out for the motor leads!
On back order.
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Black over cashmere is a fine combo
bringatrailer.com
36k-Mile 1996 Porsche 911 Carrera 4S 6-Speed
Bid for the chance to own a 36k-Mile 1996 Porsche 911 Carrera 4S 6-Speed at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #102,821.
bringatrailer.com
Maybe it was mentioned elsewhere, but how come you didn't put the hot tub on the concrete surface under the deck? The view from higher elevation?
Under the deck you'd get some shelter from the weather, from the deck. And you wouldn't have to worry about shoveling snow out of the way in the winter? Less wet people tracking across the kitchen or whatever too.
Under the deck you'd get some shelter from the weather, from the deck. And you wouldn't have to worry about shoveling snow out of the way in the winter? Less wet people tracking across the kitchen or whatever too.
What's the point in having a giant ///deck if you can't make use of it in front of the entire neighborhood?Maybe it was mentioned elsewhere, but how come you didn't put the hot tub on the concrete surface under the deck? The view from higher elevation?
Under the deck you'd get some shelter from the weather, from the deck. And you wouldn't have to worry about shoveling snow out of the way in the winter? Less wet people tracking across the kitchen or whatever too.
Forgive me, I had not considered that. Excellent point, it will be a great spot to look down to all the plebs in the valley below.
Next up is a glass railing, for that uninterrupted view.
I, personally, can't believe the good doctor is not putting in an infinity pool.Forgive me, I had not considered that. Excellent point, it will be a great spot to look down to all the plebs in the valley below.
Next up is a glass railing, for that uninterrupted view.