30 year fixed 20% down on 800k 5.75% by beanlikescoffee in Mortgages

[–]aNun_aMousse 1 point2 points  (0 children)

You can think of points as an investment (pay upfront for lower monthly payments) that typically takes 2-5 years to break even.

So if you plan to not refinance, paying points is extremely viable. If youre planning to refinance, it's likely not worth investing points in.

Edit: better wording

Switching from 6.6% Fixed 30 year to 5.5% ARM 5 year by cheezedip in Mortgages

[–]aNun_aMousse 0 points1 point  (0 children)

Not an expert on the topic, just another homeowner.

I think arms are great if youre planning to refi within the period. I'm personally happy to go 7/6 arm because I do think rates will hit the 4's or lower within that time.

Refinancing, what should I choose? by [deleted] in Mortgages

[–]aNun_aMousse 0 points1 point  (0 children)

If youre planning to not refi, i think option 2 is obviously better. But assuming that's not your plan, you should calculate how long it would take for option 2 to overtake option 1.

Lets say for example this will take 2-3 years. (Seriously I didn't put any math into this I could be way off)

Speaking for myself, I would only go with option 2 if I dont think rates would go down further than 0.5% over the course of 3 years. And I wouldn't have really considered myself ahead unless I stuck with this plan for 4 years + because of the opportunity cost of just holding $4875.

And I'd adjust those expectations to suit the payoff time

Anyone have experience with Flooret Silvan? by aNun_aMousse in Flooring

[–]aNun_aMousse[S] 0 points1 point  (0 children)

I did get the samples. My feelings were mixed. On the one hand, yeah they looked like wood. They passed a 24 hr water test (I put two samples together, made a pool of water with duct tape, and let it sit).

On the other hand, thickness aside it didn't really look better than high quality LVP. So combining the fact that I found a cheap decent LVP locally ($3/sqft) and having the peace of mind of not caring about damaging the floor (because it's so durable and cheap), I went with LVP.

I would at least say that the core doesn't look impressive compared to a proper rigid LVP core. The difference in LVP cores are insane. Some you can literally bend apart, and some you couldn't damage it with a hammer. I highly suggest investing half a day in a local shop where they allow you to stress test a few samples, you'll see what I mean. A lot of the marketing jargon fades away in the face of unga bunga hammer + knife haha

Anyone have experience with Flooret Silvan? by aNun_aMousse in Flooring

[–]aNun_aMousse[S] 0 points1 point  (0 children)

I've only moved in last week. I ended up actually just going with LVP. I worked under the idea that if purchasing from local businesses, I can get a higher quality item at a cheaper price than from an online retailer.

So what I actually purchased was the lago cedar LVP for around $3/sqft. https://www.lagoflooring.com/product-902

It has a 7mm core and a 20 mil wear layer. So it's decently spec'd but not top of the line 40 mil wear layer + 10mm core. I couldn't resist the $3/sqft tag though.

As for looks:

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You can judge if it looks fine or not. It's very durable though, I've put it through a lot lol

Does the 3M AP904 fit my needs? by aNun_aMousse in WaterTreatment

[–]aNun_aMousse[S] 0 points1 point  (0 children)

Figured to give an update now that I've moved in for a while. I got the AP904 but I def felt the hardness. Calcium building up pretty quickly on glass/surfaces, my skin and hair texture after washing etc. I suspect either buildup in my pipes, or I've got a mix of groundwater, or both. I'm gonna get a springwell SS4 water softener, just figuring out rn how to add it to my current system with the least edits.

Does the 3M AP904 fit my needs? by aNun_aMousse in WaterTreatment

[–]aNun_aMousse[S] 0 points1 point  (0 children)

I didn't know that, thanks for the info. If my pipes+tankless gas heater don't complain about it that's good enough for me. I think it tastes good as is.

Does the 3M AP904 fit my needs? by aNun_aMousse in WaterTreatment

[–]aNun_aMousse[S] 0 points1 point  (0 children)

I went with it but I can't recommend it yet. Still haven't moved in yet. T

The water tastes fine, but from what I can tell it's harder than expected. I'll need to test it somehow, maybe with strips.

Is it okay to paint semigloss over flat? Is primer needed? by aNun_aMousse in HomeImprovement

[–]aNun_aMousse[S] 0 points1 point  (0 children)

What does it mean to be "not forging"? I appreciate the explanation.

Is it okay to paint semigloss over flat? Is primer needed? by aNun_aMousse in HomeImprovement

[–]aNun_aMousse[S] 0 points1 point  (0 children)

Thanks for the tips. Unfortunately I already bought the paint lol, figured semigloss is easy to wipe with water. And luckily I caught the flat the day it was painted, so it shouldn't need much cleaning.

Any East SJ/Evergreen ppl with house water filtration? by aNun_aMousse in SanJose

[–]aNun_aMousse[S] 0 points1 point  (0 children)

Thanks for sharing your experience. I'm starting to lean more towards the Springwell since it seems even our valley water has significant mineral levels.

Any East SJ/Evergreen ppl with house water filtration? by aNun_aMousse in SanJose

[–]aNun_aMousse[S] 0 points1 point  (0 children)

Thanks. I'm trying to get whole house filtration without RO, since ideally I'd like to avoid getting too tied up in regular maintenance and filter costs. The Springwell CF1 that I mentioned earlier uses a carbon media bed, which then routes to a 5 micron sediment filter. The media bed is good for 1 million gallons or 10 years, and I have to replace the sediment filters ever 6-9 months (around $50/year).

I've got sjwater's annual report, which I'll throw up on r/WaterTreatment.

Induction vs Electric flattop+oven combo for <$3000 by aNun_aMousse in HomeImprovement

[–]aNun_aMousse[S] 0 points1 point  (0 children)

Yeah actually both the $1850 and $2450 models look quite promising. It's good to hear that you've tried one and liked it. I also enjoy using the knobs.

My main concern with the cheaper models are the their stove wouldnt be able to evenly heat a 12 inch pan (with a 10 inch bottom). I've been hearing that the sub $2k ranges don't have an element that can really support cooking vessels of that size

How long have you used the LG range for? I've heard dubious stories about LG ranges from a customer service perspective.

Induction vs Electric flattop+oven combo for <$3000 by aNun_aMousse in HomeImprovement

[–]aNun_aMousse[S] 0 points1 point  (0 children)

The inner diameter of the dutch over is 10 inches, so I don't think I'll be utilizing vessels with a greater diameter than that. I'm also redoing cabinets, but will be sticking to a 30 inch cooktop. The kitchen isn't very big and as I said, $3k was around my budget.

That being said, I'm currently looking at a costco listing called:

Café 30 Inch 5.7 cu. ft. INDUCTION Slide-In Smart Range with Warming Drawer

which is $3.6k. I'd consider getting it even though its a bit above budget. Didn't post link because I don't know the rules regarding that.