☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
Inspiration Quote for the Day
“Interest on debts grows without rain.”
Yiddish proverb
The Morning Ritual
He Sent the Bank $45,000 and His Payment Never Changed
Ray retired from a utility job in March and came into money he had not planned for. A sister’s estate settled, a small annuity matured, and by August he was holding about $45,000. He owed $218,000 on a house he intends to die in. So he did the obvious thing and sent the whole amount to his mortgage servicer, marked for principal. The balance dropped. The bill that arrived in September asked for the same $1,511 it had asked for in August.
Ray had not been cheated. He had bought the wrong thing with his own money. Extra principal and a lower payment are two separate transactions. The second one happens only if you ask for it by name. That request is called a recast, and most borrowers never hear the word from the people servicing their loan.
In One Sip
► Freddie Mac put the 30-year fixed at 7.32% on October 22, against 6.19% a year ago
► Refinancing to cut a payment now means trading a 2021 rate for a 2026 one
► A recast re-amortizes the loan you already have: same rate, same payoff date, smaller balance
► Typical terms run a $10,000 minimum to principal and a fee near $250, and a few large servicers charge nothing
► FHA, VA, USDA, most jumbo loans and HELOCs cannot be recast at all
· · · Partner Message · · ·
Green Coffee Company farms in Colombia
Most early-stage offers ask you to fund a story. It helps to ask a simpler question: what does the money actually buy.
For $1,000.50, you can purchase about 870 shares of Green Coffee Company at $1.15 each.
Here is what sits behind those shares. 45 Colombian coffee farms, consolidated into the country’s largest producer. Around 10 million coffee trees. Milling able to handle more than one million pounds a week.
Revenue that grew from $1 million in 2021 to $26 million in 2025. Products already in more than 3,000 retail locations. And exclusive U.S. and Canada rights to distribute Juan Valdez, Colombia’s most iconic coffee brand.
This is not a café concept hoping to sign its first lease. It is a producer already growing, processing, and distributing Colombian coffee at scale, working to hold the margin from the farm to the shelf.
Until recently, private positions like this were mostly reserved for venture funds and accredited investors. Under Regulation A, this round is open to individual investors with no accreditation requirement and a $1,000.50 minimum.
The company is private, so liquidity is limited and returns are not guaranteed. For an investor who understands that, it is early exposure to an operating business rather than a concept.
Rights apply to retail and institutional sales in the U.S. and Canada (non-cafe business) and are governed by a 10-year agreement to manufacture and distribute the iconic Juan Valdez® brand in the U.S. and Canada. Juan Valdez®, Procafecol S.A., the National Coffee Federation of Colombia, and any of their respective affiliates (collectively, the “Juan Valdez Parties”) are not sponsors, issuers, co-issuers, promoters, guarantors, underwriters, placement agents, or participants in any manner in this investment offering. The Juan Valdez Parties have not reviewed, approved, authorized, endorsed, recommended, or verified this offering, any related offering materials, or any statements made herein, and do not express any view or opinion regarding the merits, risks, or suitability of this investment. Any reference to the “Juan Valdez®” brand or related trademarks is made solely for the limited purpose of describing an existing commercial agreement relating to the manufacture, marketing, and sale of certain coffee products. Such agreement does not extend to, and expressly excludes, any securities offering, fundraising activity, investment program, or capital-raising transaction. Investors should not rely on the existence of any trademark license, brand association, or commercial agreement with the Juan Valdez Parties as an indicator of financial performance, investment quality, creditworthiness, risk mitigation, or likelihood of success of the issuer or this offering. The continuation of any commercial agreement is subject to contractual terms and conditions and may be modified or terminated, and no assurance is given that any such relationship will continue for any period of time. No Juan Valdez Party assumes any responsibility or liability for the accuracy, completeness, or adequacy of the information contained in this offering, nor for any investment decision made by any investor.
Open the offering details
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Why It Matters for Your Money
The arithmetic here is unusually tidy. A recast leaves the rate and the payoff date alone. The payment then falls by exactly the percentage the lump sum cuts the balance. Ray’s $45,000 is 20.6% of $218,000. Had he asked, his principal and interest would have dropped from $1,511 to $1,199. That is $312 a month for twenty-one years.
What he bought instead was the other outcome. The payment stayed at $1,511, every extra dollar now lands on principal, and the loan will retire about seven years early. That version saves roughly $81,000 in interest over the life of the loan. The recast version saves about $34,000.
So the same $45,000 buys one of two things. It buys $312 a month starting now, or it buys roughly $47,000 more in interest he never pays. It cannot buy both, and a servicer will not ask which one he wanted.
Fannie Mae’s servicing rules say a servicer may agree to reduce the payment after a substantial principal curtailment. May. The new figure runs off the current balance, the current rate and the remaining term. Nothing in the rulebook makes it automatic.
Which one you want depends on the next ten years, not the next ten minutes. A lower bill helps if the income is fixed and the budget is tight. An earlier payoff helps if the cash flow is already fine and the goal is to stop owing. Ray wanted the first and bought the second.
☕ Key Insight:
Prepaying shortens the loan. Recasting shrinks the bill. Money sent without naming one of the two buys the first by default. That is very hard to reverse once the cash sits inside the mortgage.
The Coffee Break Move
Call the servicer and ask three questions before sending anything. Does this loan allow a recast, what is the minimum principal payment, and what is the fee. Get the answers in writing.
If the loan is FHA, VA or USDA, stop there and keep the cash. If it qualifies and you want the lower bill, send the lump sum and the written recast request together. Confirm the new principal and interest figure before the next statement cycle.
Taxes and insurance ride on top of that number and keep climbing on their own schedule. A recast moves the principal and interest line only, so the full bill will not fall by the same amount.
· · · Partner Message · · ·
Editor’s Note: Jeff Brown is a former tech executive who picked Nvidia in early 2016, before shares jumped as high as 36,000%. Marc Chaikin is a 60-year Wall Street titan who’s worked with billionaires and hedge fund legends like Paul Tudor Jones, George Soros, and Steve Cohen. Together, they just issued a rare buy alert on a little-known Elon Musk supplier. Click here to see the details or read more below.
 
Dear Reader,
Or is it just going to trigger the next wave of massive AI gains?
For the first time ever…
The two investment legends who picked Nvidia 10 years ago…
Are coming together to answer that question.
If you’re wondering how much longer can this AI boom last…
And what you should do with your money now…
Jeff Brown is a former tech executive who picked Nvidia in early 2016…
Before shares jumped as high as 36,000%.
Marc Chaikin is a 60-year Wall Street titan who’s worked with billionaires and hedge fund legends like Paul Tudor Jones, George Soros, and Steve Cohen.
And they recently came to a shocking conclusion.
Regards,
Lindsey Hough
Managing Director, Brownstone Research
P.S. By the way, when you click here…
They’ll also give you the name and ticker symbol of a company that has been called “the next Nvidia…”
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One Last Sip
Ray is not getting his $45,000 back out. He can still ask for a recast on what is left, and on any lump sum he sends from here.
The lesson costs nothing to apply. Decide which outcome you are buying before the money leaves your account, then say so in writing.
· · · Partner Message · · ·
Something strange lurks in President Trump’s financial disclosures.
Over the past year, his managers executed more than 20,000 stock transactions.
CNN ran the whole list against his Truth Social feed and found at least 44 purchases across 21 companies, bought within a week of him publicly praising those exact companies, their products, or their CEOs:
  • Intel up 307%
  • Dell up 271%
  • AMD up 201%
  • Micron up 134%
  • GE Aerospace up 96%
  • Nvidia up 91%
The White House says the President’s account is in a third-party trust and he has no idea what’s being bought. Maybe that’s true. And maybe Jeffrey Epstein did kill himself. And maybe the sun will rise in the West tomorrow.
But I doubt it.
The real question is: why these companies?
It isn’t coincidence and it isn’t corruption either.
These companies are all connected to a new economic and political doctrine, a playbook this administration has secretly adopted and that I believe is about to change everything in America
How you work, transact, save, and invest is all being fundamentally shifted as this new doctrine replaces the ideals of our Founding Fathers and unless you know what it means… you’ll be caught off guard.
Once you see the list, however, you know exactly where the money is going next.
Good investing,
Porter Stansberry
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