***Tuesderp GMT***
- Thread starter Pesqueeb
- Start date
Only one mouse kill since putting down the electric trap last night. And it happened within 20 minutes of setting it. Perhaps I just had a few of the critters and not an army like of them like @6thElement
Off to work. Will try to attempt solo night ride number 2 tonight. Hopefully with less number 2 moments.
Off to work. Will try to attempt solo night ride number 2 tonight. Hopefully with less number 2 moments.
'Morning. I ran 14 miles at 7:32 past last night on some tired legs, and now I am definitely feeling that. Then I rolled my lazy ass out of bed early this morning for my masters swim workout. Given my leg fatigue, I did as little kicking as possible (thanks, pull buoy!).
Rainy day here. The dirt is getting better by the day due to the fact we are finally getting some moisture falling from the sky.
Rode in the woods last night. One of the guys I was riding with got some Burdock's on his gloves. Instead of stopping to pull them off, he used his mouth to pick them off while we pedaled. Well, that works for green burdock's. When you do it with dry brown ones, the little prickers get stuck on your tongue. As of this morning, they are still stuck on his tongue. Bummer...but kind of funny.
TL/DR: don't eat burdocks
Rode in the woods last night. One of the guys I was riding with got some Burdock's on his gloves. Instead of stopping to pull them off, he used his mouth to pick them off while we pedaled. Well, that works for green burdock's. When you do it with dry brown ones, the little prickers get stuck on your tongue. As of this morning, they are still stuck on his tongue. Bummer...but kind of funny.
TL/DR: don't eat burdocks
Turning dials today. I like.
The great mouse war of 2016 appears to have come to an end a couple of days ago with 11 fatalities.
Morning. Grey is the name of the day.
First night ride of the season last night. In some ways these are the most fun cause it's not cold yet and the trails are still rolling pretty fast. Winter night rides (even in NC) are a muddy, cold sufferfest only possible with onboard whiskey and/or beers waiting at the car. Prolly try it again tonight.
My swamp donkey was happy to get out and run around in cool temps that did not necessitate swim breaks ever 1-2 miles (pic from different ride).
My swamp donkey was happy to get out and run around in cool temps that did not necessitate swim breaks ever 1-2 miles (pic from different ride).
bwahahahaha . . . #swampdonkey
same ol, same ol here. nothing to report. nothing to see. move along.
Harrumph
Morning Monkeys.
Lots to do today and not looking forward to it. The weather is nice, too bad I can't enjoy it from inside the office.
Lots to do today and not looking forward to it. The weather is nice, too bad I can't enjoy it from inside the office.
Finally signed docs on a refi last night. No more PMI and $350/mo in my pocket when all said and done.
in the spring i'm gonna look into getting another appraisal with the goal of removing PMI. we have a pretty good interest rate, would be worth looking into refi to save a few more pesos.
Did you have to extend the life of the mortgage?
I have a feeling the market around here is starting to bubble again. Our house appraised for 80K more than what we paid two years ago, which allowed us to get the refi with the PMI removed. We ended up with 3.75%, which is pretty close to what we already had. We plan on being here a while, so unless rates drop drastically, we should be good for a long time.
Funny, I just talked to our mortgage person about ditching PMI yesterday. We kind of screwed ourselves by refinancing in 2013 when rates were so low because it reset the clock on when the loan originated so we now need more equity to ditch the PMI. Still think I'm gonna get an appraisal in hopes we are close (have made improvements to the house) then maybe throw money at it if needed to make it the rest of the way. Dumping a couple hundred bucks a month down the shitter sucks....
Yes, but we bought two years ago, so it's not a big difference. Had we kept our original loan, it would have been about 5 years of payments to reduce to get the PMI removed through equity in payments on the original loan amount.
we've owned our home for about 3.5 years now. values haven't increased as much as yours, but according to various real estate websites (based on comps) the value of our home has gone up around $40k. If this is accurate (will need an appraisal) then it would push us over the 20% equity mark which is where we need to be to drop the PMI. Our current rate is 3.75%, so it's not like there's a whole heck of a lot of room for improvement, but might be worth exploring.
Yea, the rate would be around the same I would guess. We have a jumbo loan, so the rates are typically higher. Check out Costco if you have it available. They have a pretty good program. Any loan guy worth his weight should be able to tell you if he can get it done for you. It's so stupid how much of a shell game this whole thing is, but ultimately it's down to looking out for yourself. We are finally at a point where we have dropped our mortgage significantly since we purchased, along with being in the house that we plan on staying in for a long time, so I wanted a good rate and to get rid of the PMI as quickly as possible. We only put 10% down, but having 20% equity feels pretty good, along with a payment around what rent would cost us.
we are costco members, i'll check that out. my primary goal is to drop PMI, getting a better interest rate would be icing on the cake.
That was the same for us. Rate stayed the same as we had before, but we dropped the PMI. Depending on the loan amount you might be able to get a better rate.
I think it's a little bit of a bubble here, our appraisal came in at $400K over what we paid three years ago (but that was with a complete remodel). The market here is INSANE.
Damn. Where is that?
The foreclosure kiddy corner from us looks to be sold, the house behind it is in closing. Bob hasn't listed his house yet and we have some painting to do and a TON of downsizing before we can list next spring. But right now I just hope we can get out clean with a little cash in the bank. I really dislike my neighborhood.
Jackson Hole.
thankfully daycare is a temporary situation. (i'm in the same boat)
Similar situation here based on Zillow et al, I have not started the refi/appraisal yet. Nice "paper money in the pocket", not so nice tax implications leaving less real money in the pocket.
Exactly.
Morning, slept too much last night and now I am stiff as all get out. Taking the boy for a hike later then packing the truck for a potential three day hunt
wtf mate. Was just informed that power is being shut off at one of my buildings on Sunday....I told these dudes a year ago that I need to know about that type of stuff at least a week in advance. Guy just asked why I need to know ahead of time. That took every ounce of self control to not simply hang up on him. 
If this shit goes down, I'm taking Monday off for DH. FTS.
If this shit goes down, I'm taking Monday off for DH. FTS.
$1600 a month would buy a nice crate.
Seriously, that is such a racket. I "thought" I was smart by letting my wife (at the time) stay home for the first 3ish years since she didn't make a lot anyway. But due to the economy, she couldn't stay home too much more after that, but I was only paying daycare for 1 kid for half days for not even 2 years before she was pre-schooling it.
Unfortunately the ex never recovered and hasn't worked full time since then (10+ years ago). My bad.
the first time i went i just walked around the store saying to myself "welcome to costco i love you"
Was supposed to close on my house today but the buyer ran into lending problems. I suspect the buyer is a real piece of work.
