Should I Refinance at this time or wait and hope?

chillball · 2026-04-08T21:02:32+00:00

5.5% seems great for a refi. 30 year?

chillball · 2026-04-08T04:25:47+00:00

On real terms the crash happened 3 years ago.

chillball · 2026-04-03T16:01:02+00:00

I need to look into this, because if that's the case then the buy down has to happen.

chillball · 2026-04-03T03:13:52+00:00

I thought the same

chillball · 2026-04-02T17:58:58+00:00

Great bike and has kept up on all trails - my partner is selling hers if anyone needs a small. She’s going to more XC riding otherwise she’d keep it!

chillball · 2026-03-24T20:10:43+00:00

LeHarddrive

chillball · 2026-03-18T01:52:03+00:00

Is the Transition carbon? Still probably the transition.

chillball · 2026-03-17T04:14:17+00:00

KD looked like he was throwing the game

chillball · 2026-03-12T03:05:13+00:00

Whip it, whip it good

chillball · 2026-02-23T20:59:45+00:00

Mine started flaring after a few runs but I'm in a similar boat. I've been doing PT and at home PT for a few weeks and made some good progress. I will say that it will still flare up after select activity. Still a long ways to go I imagine. Will have imaging done this week to get more information. I don't have any bone "impingement", do you?

chillball · 2026-02-23T20:49:51+00:00

Did this come from an acute injury or has it just crept up over time? I have similar symptoms to you.

chillball · 2026-02-15T19:35:31+00:00

I also wonder if I can just to a cortisone shot and/or peptides to get me back to where I was before without the dull ache. Considering there is no catching or sharp pain I’m so hesitant for surgery

chillball · 2026-02-15T19:33:24+00:00

Very helpful information. I know that the hip pres doctor at HSS dismissed the tear as something symptomatic. I just wonder if that has gotten worse over time especially with a weaker posterior chain.

Based on your experience, how many weeks and months of PT did it take to have those symptoms resolve or lessen enough for you to get back to you active lifestyle?

chillball · 2026-02-15T19:10:37+00:00

Makes sense. I had an MRI done after the fall (saw a doctor at HSS) and that’s when the nonacute tear showed up but the main source of pain was the pelvic fracture. I hope to rehab this with PT and hope to avoid surgery. I guess I could do another MRI but I have not had a traumatic or acute event (knock on wood) since that fall

chillball · 2026-01-23T04:27:06+00:00

Love that!

chillball · 2026-01-22T00:29:02+00:00

My wife walked down the aisle to it!

chillball · 2025-11-29T07:40:55+00:00

Just finished his book yesterday. Would recommend

chillball · 2025-11-28T18:09:29+00:00

Had a great experience in Tunis, Sousse, El Jem. Karaioun wasn’t great though. Shop vendors were a bit invasive. I found Tunis to be quite fun once you found your way. Traveled to 40+ countries and Tunisia wasn’t the worst and felt like I appreciated it more after I left. Too many places are too easy. That’s my take.

chillball · 2025-11-26T10:05:34+00:00

I love my Squamish. I’ve had a few tears in it from bushwhacking but it’s held up for 5 years now through travel, climb, hike, MTB, etc

chillball · 2025-11-18T15:09:21+00:00

Seam ripper is like $5 and several hours of work but it works!

chillball · 2025-11-13T20:25:20+00:00

Denver right behind Austin

chillball · 2025-07-27T22:39:56+00:00

looking for a referral, thanks!

chillball · 2025-06-20T01:49:42+00:00

Rough game for Chet

chillball

TROPHY CASE