If I understand correctly, you are asking if your lender will let you refinance. The answer is that it’s not up to them, you go to any other lender and try to get a better deal, and then they pay off your old loan and get you a new one. Your old lender (to my knowledge) cannot refuse the payoff.

There’s also something called a Mortgage Recast, in which you make a one-time payment and your existing lender adjusts your payment schedule at the same interest rate.

1. You’re right, I was taking numbers from years ago where .25% was a more significant fraction of an APR than now. But if you have a 7% mortgage right now, you can probably get one for 6% right now.
2. Indeed, “money exchanging hands” isn’t the only way to get consideration

There’s a lot of stuff I didn’t discuss, like “points” which are not explained well by lenders (and sometimes I think they keep it purposefully obtuse).

I agree, I don’t think interest rates will be going down in the next 5 years. 🧐

Thanks! It’d be interesting to know how the laws around this stuff differ around this world.

I’d like to avoid Logitech as well, but Keychron mice seem to be Logitech hardware?

That particular use of grammar is normal in US English.

What took them so long?

This sounds exactly like Linux giving the old OOM killer. Reproduce the problem, then look at the output of sudo dmesg. If it shows something like “OOM killed process”, then yes, that’s the problem.

Do the following:

1. Consider giving less memory to the VM
2. Ensure you have at least a little swap space configured on Linux
3. Consider getting more memory
4. Exit other programs on Linux, especially web browsers

Like the best kept secret of domain registrars

Known to the State of California.

If you believe this article, commercial airlines are much much safer than passenger rail. There was another article that I don’t feel like citing that suggested that, in the US, trains didn’t even have a carbon advantage.

Progressives work against progressive agendas by naming pro-safety policies like “don’t have police respond to mental health patients” as the Fox-news like “defund the police”.

Harris overtook Biden’s polling numbers quite quickly. Also, I find that Biden’s pardoning of the “kids4cash” judge demonstrates some extreme incompetence and tone deafness".

No, that’s incorrect.

It’s “Thou are tall” or “Thou art tall”

Nominative   Oblique  Possessive 
Thou         Thee     Thy/Thine* 
I            Me       My/Mine*
He           Him      His
She          Her      Her/Hers**
You          You      Your/Yours**

* Used as an object (It is thine) or historically, when the following word started in the vowel (Thine eyes sparkle like diamonds, Mine ears ache)

** Used as an object (it is hers)

• Congress person addresses young people’s concern 😁
• Young people don’t vote anyway 🥱
• Congress person gets replaced by gerontological conservative 😔
• Young people [surprised Pikachu face]
• Boomers continue to bankrupt social security 🤑

It’s making reference to logistic curves and how rabbit populations, which can grow exponentially, will oscillate between a low and high population size.

In short, it explains why some years there are a shit ton of rabbits, and other years, very few.

Yes, they have to do something with the male chicks

That’s not how tax deductions work.

Gates is a dirtbag though.

I don’t think FelixCress is arguing in good faith, but to answer their question, yes.

The film Farha was shown in the Israeli town Jaffa, to much debate.

Some species of American false wolf spider