slet soundly for the first time in a week, YAY . Gonna be a 200 mile day. starting off with a 28 mile drive just to get to my first pick up. Oh Joy.....got an hour to drink espresso and eat before I head out....can you say espresso..sure you can.
@@@Turdsdump Gee EM Tee@@@
- Thread starter eric strt6
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can't say i have ever had one....
Stirring up some shit over at the vintage razor forum. If you think this group is a bunch of crotchety crusty old guys, head over to a vintage razor forum sometime. They are insufferable but oh boy are they fun to work up.
Leaf to Nissan for battery warranty check and tire rotation. Perhaps a ride later. Stripped the Niner down to the frame yesterday. Sleep well, sweet prince!
Here. Didn't get to sleep until after 1 and Hannah woke me up at 6. Managed to squeeze in an extra hour, but damn I'm hurting.
Economic data came out today and it's fucking bad.
U.S. economy contracted at fastest quarterly rate on record from April to June as coronavirus walloped workers, businesses
By Rachel Siegel and Andrew Van Dam
Back-to-back meetings 9-4 today. Today will not be fun.
Got another sheet of wood cut last night, but that was it. Tonight will probably be cuts too.
Economic data came out today and it's fucking bad.
U.S. economy contracted at fastest quarterly rate on record from April to June as coronavirus walloped workers, businesses
By Rachel Siegel and Andrew Van Dam
Back-to-back meetings 9-4 today. Today will not be fun.
Got another sheet of wood cut last night, but that was it. Tonight will probably be cuts too.
'Morning, peanuts! I slept late but still got a six mile run done before work. Tired legs now. MTB tonight, weather permitting.
I'm still explaining risk is about downside, not upside to Boomers on a daily basis...Yeah, but how is your 401k doing?
Good luck with that. The market right now is like someone with their fingers in their ears saying, "Lalalalalalala - I CAN'T HEAR YOU!!"
#MAGA!
Mornin!
Crazy how you used to be able to get air at gas stations for free, and now they want to charge you for it. I guess thats just inflation.
Crazy how you used to be able to get air at gas stations for free, and now they want to charge you for it. I guess thats just inflation.
You know, I just did not see that coming. Color me surprised.
second night in a row up late working on bikes. espresso me naow!
Removed discarded fold-a-bed from local trailhead parking, took it to transfer station, paid eight bucks to dispose of it.
No regrats, and I take no responsibility at all. Eventually I will be proven right.
I've been reading a surprisingly fascinating book on climbing stairs. It's a step-by-step guide.
Question for monkeys who have recently refinanced: where did ya'll go for your mortgage and such? I think @Toshi @stoney @Adventurous and maybe some others have recently refinanced, I wanna say some of you have gone through Costco? Is there already a thread on this? Someone help me out. My interest rate is good but not stupid low great (it's 4.25%) and I am working with a friend / riding partner who's a mortgage broker (references available upon request) but I'd be down to explore other options while I have him look into it for me as well.
ORLY? Turns out, the lil' lady and I will be camping in Telluride Town Park in our new-to-us Sprinter, Vinnie, the first weekend in October. We've already got the spot reserved. We'll mostly be there with a pile of friends that include her sister and sister's boyfriend (actually it's their friends, we're just joining in) but it'd be fun to meet up for a cold one at Telluride Brewing Co. if you're up for it and we can squeeze it in.
Question for monkeys who have recently refinanced: where did ya'll go for your mortgage and such? I think @Toshi @stoney @Adventurous and maybe some others have recently refinanced, I wanna say some of you have gone through Costco? Is there already a thread on this? Someone help me out. My interest rate is good but not stupid low great (it's 4.25%) and I am working with a friend / riding partner who's a mortgage broker (references available upon request) but I'd be down to explore other options while I have him look into it for me as well.
I just got a quote for 15yr at 2.75%. 30yr around 3.25. (grain of salt, varying mileage, etc)
Through whom?
both my espressos this morning were delicious.
We've done a few through Costco* their origination fees are locked depending on your member tier, but you still got title insurance and appraisal fees...
Some (other) lenders will waive appraisals, also wouldn't hurt to reach out to current lender re rates as they may have deals.
*I was close to refi at the nadir rates 2 months back but think I may wait and put $20k of our real estate "winnings" from Idaho against principal (in 2021) and then refi a lower amount even if it costs me a bit in higher rate...
Some (other) lenders will waive appraisals, also wouldn't hurt to reach out to current lender re rates as they may have deals.
*I was close to refi at the nadir rates 2 months back but think I may wait and put $20k of our real estate "winnings" from Idaho against principal (in 2021) and then refi a lower amount even if it costs me a bit in higher rate...
I'm using Lending.com via Costco Finance. Appraisal waived, no points, indeed 0.27 points back to me as a credit, 15 year fixed, 2.625%. On a jumbo refi balance net fees will be something like $800-900. (I have to bring escrow money to closing for prepaids, sure, but will get my old escrow balance back so that doesn't count.)
bankrate.com will give you an idea of what might be available based on your balances, credit etc without needing to give any personal details.
Watch it, Sparky.
Ironically, I just received the Montana State fall invoice.
It's a really good thing I'm getting rid of the mortgage soon-ish.
Costco. Executive Membership. Saved cost vs. normal is greater than cost of membership.
We just got our fixed 30@3% finished a month ago. Total cost is break even in 18m iirc and the saved cost (if put back into the mtge) will pay off 3yrs earlier iirc.
hey, let me know next time you go. I could stock up for the next year of isolation and quarantine.
Agreed, that shit is for the birds.Fuck that mortgage bullshit.
Any idea on the rates available to Executive members vs. Goldstar members? I peeked at CostcoFinance.com just now as a Goldstar member and I'm not super impressed with the rates I'm shown, several are higher than what I have now.
Also, take it MortgageMonkey.com ya fuckin' n00bs!
Good luck with that. The market right now is like someone with their fingers in their ears saying, "Lalalalalalala - I CAN'T HEAR YOU!!"
The market is up, but money is worth a lot less. Would be interesting to see market value based on the dollar index.
the executive membership is worth it. we spend enough there that the membership pays for itself with the cashback from the executive.
Rates are same, afaik. Executive caps lender fees lower, enough so that it'd pay for itself immediately.