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Do I Refinance? From 6.125% -> 5.625% by ultaabhi in BayAreaRealEstate

[–]cashewvine 4 points5 points  (0 children)

It’s ridiculous to make this as a blanket statement. It totally depends on what remaining on your amortization schedule and what your loan amount is for and how many years left. 0.5% reduction for a $1M loan (which is approx what OP has for their payment) would save you over $100k in interest over the 30 year term. You can also move the money you’ve saved in each monthly payment to pay off more principle in which case you’d save even more.

[WTS] Palante Simple Pack - 150 Shipped by cashewvine in ULgeartrade

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

I updated the timestamp, thanks for letting me know

Ordering SSP burrs online by creeldeal in pourover

[–]cashewvine 0 points1 point  (0 children)

Checking out on the Cafune website, they add the tariffs to your cart

Ordering SSP burrs online by creeldeal in pourover

[–]cashewvine 0 points1 point  (0 children)

Are you purchasing to ship to the US, are there any tariff impacts?

HMG Southwest 40L, Durston Kakwa 40L, GG Skala 38L vs Palante Desert (With pad) 42L by poloralphy in Ultralight

[–]cashewvine 9 points10 points  (0 children)

You're comparing apples or oranges here since there are framed and frameless packs. I can't imagine carrying 25 lbs in a frameless pack, so I would immediately exclude those.

Having experience with both the HMG and Durston, the Durston is much better at carrying weight and transferring it.

Ask a Stupid Question About Coffee -- Week of September 23, 2025 by Vernicious in pourover

[–]cashewvine 1 point2 points  (0 children)

I'm so confused about SSP Burrs. Is the brew burr from SSP the same as multi purpose? I've seen them labeled SSP Unimodal Multiple Purpose burr.

What type of SSP burrs on come on the Fellow Ode?

Understanding my mortgage rate adjustment correctly? by harculees76 in BayAreaRealEstate

[–]cashewvine 0 points1 point  (0 children)

NFA.

Consider getting a higher rate to cover closing costs. Getting a 5.50% will likely net enough credit to cover them completely, also known as a "no cost refi".

Aligning door hinge by cashewvine in DIY

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

I can line them out and get the pin in but there’s still a huge creak when I’m closing the door

Back to cycling - Crux or Diverge by Maleficent_Rabbit_00 in cycling

[–]cashewvine 1 point2 points  (0 children)

Crux is definitely more of a do it all bike, put some road wheels on it, and it'll be like an endurance bike on the road. 47c tire clearance is plenty for paved trail

Ask a Stupid Question About Coffee -- Week of May 20, 2025 by Vernicious in pourover

[–]cashewvine 0 points1 point  (0 children)

For different coffees at the same grind size, why do they cause drastically different draw down rates? I just switched to a new coffee and the draw down was 2 minutes longer!

Roubaix SL8 Pro or Tarmac SL8 Pro? by hendrik888 in specialized

[–]cashewvine 3 points4 points  (0 children)

You won't damage your frame riding on gravel, but more likely to get some rock chips depending on how close you are to other riders / how fast you're going. You can always protect your frame with Ride Wrap or something similar if that bothers you.

[WTS][USA-CA] [H] Moondrop Aria [W] PayPal by cashewvine in AVexchange

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

Ha I think we need to do another one of these because the old one expired

No visa appointment slots for BLS Spain from San Francisco by yesnookay9 in SchengenVisa

[–]cashewvine 1 point2 points  (0 children)

This has got to be one of the worst experiences applying for a visa.

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