05-01-2023, 09:00 PM
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#21 (permalink)
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Human Environmentalist
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That rate is normal now, but it should have been refinanced long ago, like 2012... or more recently, 2 years ago.
You don't want to pay off a mortgage, you want to lock in a very low rate and make payments for 30 years. Then you want a high enough income that itemizing the interest on taxes returns more than the standard deduction.
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05-01-2023, 09:34 PM
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#22 (permalink)
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Not Doug
Join Date: Jun 2012
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We have discussed the minimum balance required to refinance before.
I tried to look up information, but everything wants all of my personal information.
I gave freebeard's and it gave me Linux or something.
You always want to maximize your income! 
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"Oh if you use math, reason, and logic you will be hated."--OilPan4
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05-01-2023, 10:35 PM
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#23 (permalink)
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Corporate imperialist
Join Date: Jul 2011
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Coal furnace.
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1984 chevy suburban, custom made 6.5L diesel turbocharged with a Garrett T76 and Holset HE351VE, 22:1 compression 13psi of intercooled boost.
1989 firebird mostly stock. Aside from the 6-speed manual trans, corvette gen 5 front brakes, 1LE drive shaft, 4th Gen disc brake fbody rear end.
2011 leaf SL, white, portable 240v CHAdeMO, trailer hitch, new batt as of 2014.
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05-01-2023, 11:16 PM
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#24 (permalink)
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Master EcoModder
Join Date: Dec 2016
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I didn't read the entire thread.
Here is my beef anyway, only thing in any real quantity today that is truly recycled, is a beer can, most everything else is really just extended utilization before it finds the local landfill.
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05-02-2023, 12:11 AM
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#25 (permalink)
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Human Environmentalist
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Cash out refi. Invest the extra cash in an investment vehicle that outperforms the ~3% interest rate.
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05-02-2023, 01:03 AM
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#26 (permalink)
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Not Doug
Join Date: Jun 2012
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I paid $55 to apply to an on-line program.
It required a 2-3-page essay.
Mine was almost 3 pages--with Microsoft's default space between paragraphs.
I really hope that my letters of recommendation said as many nice things about me as I did!
The next deadline is the 15th.
I will start that after I take my brother for a walk.
__________________
"Oh if you use math, reason, and logic you will be hated."--OilPan4
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05-05-2023, 03:40 PM
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#27 (permalink)
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Not Doug
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The Australians made 64,000 plastic beads
They needed to make new molds because these are smaller than the beads they have made before and the beads grow on trees that use much more plastic than the beads themselves, so it seems like they could have made the trees smaller, and at least saved one step.
They needed to snip each side of the tiny beads and it took 4 people days to complete the order, which fit in a small tub, while the trees covered their workbench.
Why didn't they shred the trees as soon as there was enough for a batch?
They collected it for their most popular color, Leftover.
Actually, they call it Nebula:
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"Oh if you use math, reason, and logic you will be hated."--OilPan4
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05-07-2023, 10:50 PM
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#28 (permalink)
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Not Doug
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How do I 3d-print an iPhone case with built-in bluetooth earbuds?
Nokia thought it was a good idea.
DankPod's fans insisted he bought it.
Quote:
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Originally Posted by Toaster_Time
This nugget is the dictionary definition of "great idea, terrible execution"
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Buy a decent 3d printer, a refurbished iPhone, and a good set of bluetooth earbuds.
Take apart the charging case and design an iPhone case that integrates the earbud case guts and charges both the iPhone and earbuds with the charging cable.
I could make it USB-C! 
Maybe I could break even!
The best price I see for a new iPhone is $875, while the cheapest one on Back Market is $635.
__________________
"Oh if you use math, reason, and logic you will be hated."--OilPan4
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05-08-2023, 12:21 AM
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#29 (permalink)
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Master EcoModder
Join Date: Aug 2012
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You'll spend that much on the 3D printer. What about a paste of superglue and baking soda?
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.Without freedom of speech we wouldn't know who all the idiots are. -- anonymous poster
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.Three conspiracy theorists walk into a bar --You can't say that is a coincidence.
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05-08-2023, 12:50 AM
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#30 (permalink)
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Human Environmentalist
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The latest Pixel 7 Android phone was $287 several times recently. People that spend more than $300 on a phone is crazy.
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