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Amparo Bertram

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05:53 am: A weighty matter
This weekend, the rain finally returned. That's great for the plants, but it meant I didn't get any yard work done. Instead, I stayed inside and weighed all of my dry beans from last year's variety trial so that I could finish putting together my results web page.

2014 Bean Variety Trial

The other thing I did this week was arrange to have my mortgage refinanced down to a 15-year loan at a lower interest rate. I've been overpaying by hundreds of dollars every month, trying to whittle away at the principal. With the new rate, I should be able to pay less every month and still get the whole thing paid off years sooner. Win-win.

For supper last night, I cleaned and chopped two bunches of kale to add to my meal. I turned one bunch into chips, which came out okay, though I did add too much salt. I dropped the second bunch into a pot of Christmas lima beans, which worked pretty well.

Comments

[User Picture]
From:mangaroo
Date:February 8th, 2015 05:06 pm (UTC)
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Congrats on the refinance! I attended a "class" (read: mortgage sales session) for first-time home buyers last week and am more convinced than ever I will never own a home (or a condo, or anything that requires commitment and triple what I currently pay on rent).

I'm glad extra-saltiness was the only problem with the kale chips. I imagine it's a delicate balance not to get soggy or burned chips, so you must have done well. I have one more kale-type recommendation: these quinoa bites. There's not actually a kale recipe on the page, but one uses broccoli while another uses spinach, and dark greens are dark greens. (I made the broccoli/cheddar ones last week and am about to make spinach/parmesan today.) I eat them as a snack, but they would pair very nicely with a soup for an informal meal.
[User Picture]
From:spacealien_vamp
Date:February 8th, 2015 05:41 pm (UTC)
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I...am more convinced than ever I will never own a home (or a condo, or anything that requires commitment and triple what I currently pay on rent).

Aw, and one of the houses across the street from me is just going on the market...now we'll never be neighbors.

I imagine it's a delicate balance not to get soggy or burned chips, so you must have done well.

Apparently the trick is to cook them in a thin layer on low heat. I discovered that my oven doesn't go lower than 300°F.
[User Picture]
From:sara_tanaquil
Date:February 8th, 2015 05:14 pm (UTC)
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Congrats on the refinance! I have been thinking a lot about looking into a similar deal, but although I could certainly get a lower rate, I'm not sure I could get a lower monthly payment (I'm still a bit over fifteen years out and have not been prepaying). I seriously need to stop procrastinating on researching that task.
[User Picture]
From:spacealien_vamp
Date:February 8th, 2015 05:44 pm (UTC)
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I have been thinking a lot about looking into a similar deal, but although I could certainly get a lower rate, I'm not sure I could get a lower monthly payment (I'm still a bit over fifteen years out and have not been prepaying).

Well, when I say it's lower, I mean lower than my combined payment/overpayment. It's still higher than my basic payment. Still, it's pretty amazing how much a lower interest rate can save.
[User Picture]
From:wednesday_10_00
Date:February 8th, 2015 05:22 pm (UTC)
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Congrats on the mortgage refinance!
[User Picture]
From:spacealien_vamp
Date:February 8th, 2015 05:45 pm (UTC)
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Thanks! I still have to fill out all the paperwork and get the place appraised. I'm interested to see what the appraisal will come back as.
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