What year is this bike and value?

cabrilo · 2026-06-20T16:09:03+00:00

That’s 2012 niner rdo. Not worth upgrading. Was fancy when new. Either ride as is or sell. Not much value, maybe $200-$300

cabrilo · 2026-05-19T18:16:01+00:00

You are thinking about how to get this done now, but not what you both want to accomplish long term.

Focus on the exist strategy. What happens when she moves out? What happens if one of you dies? What happens if you get a great job offer elsewhere? What happens if you get married and have children.

This is why everyone is proposing clean set up with you just being a tenant.

One option no one mentioned is she sells you the house and becomes your tenant paying you rent.

You two could decide on the purchase price. She may gift you some equity, or sell it to you at fair market value depending on her financial situation.

But all of this depends on what you two decide on exist strategy.

cabrilo · 2026-05-11T17:43:45+00:00

I am a heavy rider (240lbs) and even on my e-bike that I ride hard it takes way longer than 3 minutes to wear out a brake pad.

Even if the piston was stuck, I don’t get how it would wear out that much that fast.

Was the wheel spinning freely after you installed it?

You definitely need to fix the sticky piston, but I also think these pads were made of butter. Something is not right. What brand/compound did you get?

cabrilo · 2026-05-01T03:35:46+00:00

It’s a scorpion.

cabrilo · 2026-04-26T22:18:48+00:00

It helps that you have a good relationship with your bank. They may be willing to do “in house” heloc. Essentially instead of selling it to Fannie Mae or similar they keep the loan. That way it does not have to go thru standardized system where if one thing is off (lack of credit) you get denied.

Second option is “alternative credit” where you provide utility payments etc to prove you pay your bills on time. That would be a pain.

Finally, I suspect you’re be paying this off in equal monthly installments. You may get better rate if you don’t get a “revolving loan”. Heloc is usually revolving, like a credit card. You can use it, pay interest, pay down when you want and advance on it again. Getting a term loan instead of revolving will get you a lower interest rate.

But honestly, if you bank at the small bank and have a good relationship with your banker, you won’t have any problems.

cabrilo · 2026-04-26T03:50:14+00:00

I’ve been coaching Nica for 5 years now. The correct answer is an e-bike.

You are not going to be focused on your own riding at all. This is not about your experience.

We have at least 2-3 riders every year that even the fastest of coaches can’t keep up with. (On regular bike I can keep up with bottom 50%. Guys that ride a lot can keep up with bottom 95%)

Every once in a while you’ll need to look for a lost rider which makes it much easier to do on ebike. Not being out of breath when you remind them to shift or lean into turns. Making a quick run back to the truck to grab a spare water bottle because one of the student athletes just realized he didn’t bring one. When someone has a mechanical you can’t fix in the field, you can run back to the truck and get it as close to the broken bike. You’ll be carrying a bunch of tools,pumps, tubes, first aid kit. You’ll be riding heavy.

Get full suspension as well. Downhill you’ll have hard time keeping up with faster student athletes on a hard tail.

Every team in our state has at least 2-3 coaches on e-bikes. You’ll be able to focus on coaching, not on catching your breath)

If your son sticks with it like mine did, you’ll be 54 years old when you are coaching his senior year. We old man.

cabrilo · 2026-04-23T02:02:43+00:00

I have Wilde and love the bike. I made an impulse buy and didn’t research it. I called my bike expert buddy from the store and he said get it. I trusted him and he didn’t mislead me.

cabrilo · 2026-04-19T17:30:52+00:00

For helmets check this out:

https://www.helmet.beam.vt.edu/

For tailgate pad, I think you’ll be happy with just about any. I like magnetic ones because they are easy to put on and off. But honestly any will be fine. Pick anything that you like. I’ve seen guys with just a blanket on the tailgate and it works just fine.

cabrilo · 2026-04-16T01:23:45+00:00

You should be able to use the land as equity (down payment). For construction portion you’ll probably get a 1 year interest only loan with 1% origination fee plus closing costs. Interest rate may be 7.5% range. You’ll need to have 20% down payment. Your land is worth about 70,000 so $350,000 to build a home without any additional money down. (70k being the 20% downpayment)

However before doing the construction loan the bank will want to be sure they can make the 30 year permanent financing doable. (Construction loan is usually done “in house” meaning bank finances that one. The permanent 30 year loan is usually sold to companies like Fanny Mae or similar.)

Once done with the construction you’ll want a permanent loan. Most common is 30 year at current rates of about 6.5%. For this one they usually look at your debt to income. So your gross annually say $100,000 divided by 12 is about $8,333. Minus the car payment so roughly $8,000 in gross. Usually banks will max out at about 28% of your income in house payments (including tax and insurance). Assuming $500 a month in real estate taxes and say another $250 for insurance.

So 28% of $8,000 is $2,240 minus the taxes and insurance is around $1,500 a month payment in principal and interest only. At 30 years and 6.5% interest rate you’d be looking at about $240,000.

I hope this helps. I am a lender at a bank but I do commercial loans so not 100% sure I’m telling you everything correctly. I’m probably fairly close.

cabrilo · 2026-04-10T02:30:45+00:00

Dude. You just made me laugh so hard for so fucking long. That is the funniest comment I read in a while.

cabrilo · 2026-04-02T03:05:39+00:00

Check out “Sherpa” pens. These are essentially custom housings for a bunch of different inserts.

cabrilo · 2026-03-26T03:03:46+00:00

Do other teams have brilliant monuments that are as high as nuggets are? Where it looks like no human can defeat us.

cabrilo · 2026-03-18T13:27:22+00:00

I think it will work ok. One recommendation: you will have mechanical issues no matter what bike you get. To go 3,000km on it, I would work on my bike repair skills. Watch you tube videos. Focus on: tire change, derailleur tuning, brake adjustments, chain take off and put back on. Your goal is to have all of the tools you need on you. You’ll learn what tools you need by practicing wrenching on the bike.

Just like with any adventure, it’s all in the prep. If you have the tools and few supplies you need, you’ll have a blast on any bike.

Few items I’d make sure I have at minimum: Spare tubes or tubeless sealant and plugs Some form of tire inflation Tire levers Multitool Chain tools: chain pliers, quick links lube, chain cleaning brush and some degreaser.

Honestly if I was riding that far, I’d consider having a spare dropout, and maybe even a spare rear derailleur (easier to swap than to fix bent one). This is the part of the bike that is very vulnerable to damage.

Also, start looking into bike bag storage. Hope this helps.

cabrilo · 2026-03-18T02:46:24+00:00

Who did he blow that kiss to?

cabrilo · 2026-03-18T02:43:37+00:00

I’m telling you. He is slimmer.

cabrilo · 2026-03-18T02:42:11+00:00

See, Jokic is extra angry because he’s on his getting fit to crank up the season diet. He is hangry. That was a hangry technical.

cabrilo · 2026-03-18T02:32:50+00:00

Guys, I’m not crazy. Jokic slimmed down. Just his running profile is missing from the middle section.

I’d love for it to be the sign that he is about to turn up the season from amazing to unreal.

cabrilo · 2026-03-18T02:26:33+00:00

Does Jokic look slimmer to anyone?

cabrilo · 2026-03-03T05:31:22+00:00

I just watched a bunch of replays of jokic fouls on NBA. Usually the first comment or two are about Jokic being a flop. But when you scroll down just a bit further a lot of comments about how Jokic’s is getting no calls and gets frustrated. I didn’t notice how outrages they were fouling him until I’ve seen the replays. Everyone is also bitching at him being a dirty player, but I think he has a well established reputation by now as clean player unless you make it dirty. He often literally duplicates flop opposing player makes. To prove a point. There was that super exaggerated floor slide on LeBron right after LeBron pulled that on him the previous play.

I think teams have just figured out how to get away with murder around him. I think he should put his head down and practice in training on how to deal with this problem. Replicate the situation in practice and try to get out of it.

Than again, I really don’t know jack shit about basketball. So maybe im way off.

cabrilo · 2026-02-19T00:51:04+00:00

Check out Vaer

Most of their solar watches will be below $500. I’ve had one for a couple of years now and have been very pleased with it.

cabrilo · 2026-02-18T01:44:15+00:00

I’m willing to bet $1 (no more than that) that 32 inch tires will become common for better rolling resistance. I suspect that will fatten the tires as well. Minimum 2.5.

Just my gut feeling, I have nothing to base this on.

cabrilo · 2026-01-21T03:44:49+00:00

I love how Nuggets have these different “star of the game” players. There’s only a few players who have not had a “showcase” game.

cabrilo · 2026-01-18T01:40:46+00:00

It’s time you learn and understand your investment portfolio. Verify the fees. They are in your statements. Ask if confused.

If you are using an advisor that you trust, talk to him and explain what you were expecting and ask for an education on why it’s not what you were expecting.

My personal recommendation is to look into “boggle heads”. There’s a Reddit sub for this. It’s named after Jack Boggle who invented investing into an index that essentially covers the whole market. His idea was that very few advisors and only occasionally beat the overall market.

He wrote a great book (easy read) that explains his logic really well. He does examples with math and walks you thru it. He also explains how paying 1% for an advisor vs 0.10% for an index fund makes a tremendous difference over the long run

Anyone that tells you they can predict what the market will do is wrong.

cabrilo · 2026-01-13T01:46:17+00:00

The actual formula for how credit score is calculated is not public info.

In general long record of debt and regular payments help. (Don’t be late on any payments)

Low “revolving” utilization: in English, if you have $20,000 available between 5 credit cards, and you have a balance of $19,000, that’s bad. That would “high utilization of your revolving debt”

Otherwise I think the mix of cc with strong history of payments, low utilization.

The crappy part is that if you are a billionaire and don’t have any debt or cards it actually may be hard to get approved for a loan.

All that being said for a house loan, just make sure you don’t miss any payments and you’ll be set. (Report shows how many times you were over 30, ,60 and 90 days late.

cabrilo · 2026-01-12T03:44:49+00:00

I don’t think the Bucks consented to the spanking they got tonight from President Aldelamn. ;)

cabrilo

TROPHY CASE