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25 March 2010 @ 04:39 pm
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Man, we're just doing all kinds of stuff lately. Lots of it seems to be about money and paperwork.

We filled out the census. And some paperwork for a Disney time-share thing we're doing. And a house refinance. That last one's nice -- we'll be down at just under 4.4% interest on the new 15-year fixed mortgage, and roll the car loan on the van into it in the bargain. Our payment's slightly higher, but only slightly, which is good for reducing the time by half.

I still need to make it to the DMV before my birthday. I'm in one of those years where my driver's license can actually expire. Plus I've got friends I haven't responded to who could use a new copy of a deed to a motorcycle I sold them years ago (hi!).

The girl and I made it to the Y Combinator Demo Day to see the new crop of tiny interesting startups. It's not clear we'll get a chance to invest in any of the companies that instantly struck our fancy, but we're hoping. We'll see how that goes. I'll feel bad if the whole angel investing thing doesn't happen this year, but not bad enough to dump thousands of dollars on somebody I'm not very confident in.

"Angelbob" suddenly sounds pretentious if I'm doing angel investing. I'd never really thought about that. Luckily, my odds of becoming well-known for this any time soon round down to zero.

We have a case of wine coming. Back in, like, 2002 I went to a barrel-tasting party and sent Sattui a check for a case of "wine futures", which means "pay us half now, pick it up when we bottle it in a few years, and we'll give you a decent discount." Naturally, I promptly forgot about it, even though I'd done the same thing before. Alas, I will *not* be getting a case of the 2003 Syrah, because they're entirely sold out. I shouldn't have forgotten it. So it's a more recent Syrah, but the guy tells me it's good.

Why do you care about the wine? You really don't, unless you want to come over soon for Syrah. But I found it interesting that I reflexively haggled on the phone with the guy about what year rather than just take what he offered. This is the opposite of my inborn natural inclination. Perhaps this "business" thing is something you can slowly pick up by osmosis. I should go rub myself vigorously against business books for awhile and see how that works out. In the mean time, I think I'll be bad at it but look for opportunities to get somewhat less bad.

Programmery stuff continues slowly. There's been all this other stuff happening.
 
 
 
gizbotgizbot on March 26th, 2010 05:10 am (UTC)
Very cool. 4.4%?
Noahangelbob on March 26th, 2010 05:19 am (UTC)
That's the new interest rate, if that's what you're asking. I consider it very good. Previously, my 30-year fixed had been at 6 1/8%, so getting to less that 3/4ths of that will help a lot.

It's actually four-point-three-something. 4.385%, maybe? Something like that. But just under 4.4%.

Krissy even found a very nice lady at a credit union who doesn't work on commission to sell it to us, which is nice. She did a lot of talking to people to find out what rates we could get from various places.
Krissyrightkindofme on March 26th, 2010 03:48 pm (UTC)
4.375%. :D
msde on March 29th, 2010 07:50 am (UTC)
congrats on the refi! You couldn't have had 30 years left though, I hope. Caroline thinks you did pretty well too... I was under the impression that good deals were harder to find on 15 year loans, since they're less common, but according to her, it's usually about a .5% discount off of the 30 year fixed now.

Hah, everything in this entry suggests that we're going to have an interesting conversation soon.

PS - I'm in Mountain View in corporate housing, but have elected not to rent a car.
Noahangelbob on March 29th, 2010 05:32 pm (UTC)
Nope, we had about 23 years left. So moving to a 15-year only cut off about 8 years.

Yay! This would be a good evening to hang out, if you're up for it. Do you have my cell number?