Does a mortgage recast consider previous principal payments? This seems like it should be simple but I can’t find the answer explicitly after reading many articles about mortgage recasting. Suppose I started out with a 500k mortgage (making up numbers here). I’ve been making payments for a year or so, and during that time I’ve paid down the principal between mortgage payments and additional principal pay…

LPT: If you are thinking about going to the movies, consider seeing a stand-up comic instead. I find a lot of people love comedians, but they have never been to a stand-up show live. Believe it or not there are small to medium sized comedy clubs all over the country where you can catch famous comedians for surprisingly cheap. This is obviously just my opinion, but I think we are currently living in one of the greatest ages of stand-up co…

What would you consider the best standalone season of any tv series? I’m curious to hear thoughts on some tv seasons that work really well on their own and can be watched outside of the context of the rest of the show. For example, season 1 of Westworld works so well as its own bookended story that watching the rest of the series isn’t necessary. submitted by /u/LordRaccoon18

Who are musicians you consider to be in their side-quest era? I had this thought after I came across a video of Rick Astley covering Everlong on a festival stage. Here’s a guy who people remember for a couple songs and a meme going out there and, while he’s got them, covering Foo Fighters and The Smiths. “Weird Al” Yankovic, too. Since completing his record deal, he’s spent the last decade doing basically …

How old do you consider an old song to be? So my mum and I were in a restaurant tonight and Since U Been Gone by Kelly Clarkson came on, released in 2004. My mum called it an ‘old song” but personally I don’t consider 19 years to be old. So how old do you consider an “old song” to be? submitted by /u/pink_princess08

Would you consider looking for a new job due to bad insurance? Current job is ok, but I wanted to stay here until I pay off my consumer debt (about 6k). I make 52k per year and my insurance deductible is 6.5k. I have a lot of little health issues that add up. I even have a quick 30 minute procedure that would cost 4k which I have to pay 50% before scheduling. My insurance is SO expensive that I’ve had to pu…

What to Consider Before Buying a Used Peloton When my cheap Amazon spin bike broke, I felt like I should upgrade to something better. But even though I was already following along with Peloton videos (on their app), I thought that getting an actual Peloton was out of reach. But good spin bikes start in the high triple digits, and it turns out Pelotons could be… Read more…

Who would you consider a “guitar player’s guitar player”? Interpret the question how you wish, but to me a “guitar player’s guitar player” is someone whose guitar playing isn’t very interesting unless you’re a guitar player, at which point it becomes extremely interesting. Jeff Beck is one of the standard examples especially when compared to his fellow Yardbirds Eric Clapton and Jimmy Page, both of who…

Here’s When You Should Consider a Dropped Ceiling Chances are you haven’t spent a whole lot of time thinking about the ceilings in your home. But maybe you should contemplate it, because your ceilings are part of the whole system of your house, and they need repair and care like everything else. And while you’re thinking about fixing or replacing your ceiling, you… Read more…

You Should Consider a Heat Pump Dryer Heat pump dryers are coming to the U.S. and they’re going to change the way we use dryers. Upsides: No more venting! You can put ‘em anywhere, and they’re much better for the environment; they’ve been in Europe for years. Downsides: smaller capacity (for now) and longer dry times. Read more…

Would you consider eating out a “fixed cost” if it serves as your primary meals? I’m trying to come up with a budget using these allocations: Fixed costs: 50% Investments: 15% Savings: 15% Free spending: 20% or something along those lines. I’m experimenting with the percentages, but you get the idea. Anyway, I’m a little confused on which category to include fast food/restaurant food. I know if I’m just getting an unnecessa…

LPT request: Is the root of every problem consider “Fear” Whether you’re shy, insecure, weak minded, overthinking, can’t seem to decide, afraid to try new things, facing your problems are this all cause of fear? Exactly, how do you conquer fears? For some people it takes so much willpower and somebody to push you or scold you. Even this inner voice makes you go crazy like what’s preventing me from doin…

What are some things people don’t consider before they travel for the first time? Following up about a post on bed bugs and realised it was something I had never even considered as to what to do In a situation like that What other things and scenarios are easily looked over and that might be useful to someone like me who’s going to be travelling for the first time submitted by /u/TRUMPTASTICLE

Why should I consider variable rate loans if you can refinance fixed rate loan? you can avoid downside if interest rates rise if they decrease you can enjoy upside by refinancing submitted by /u/Fun-Yogurtcloset-597

LPT: If you hate setting several alarms, consider using the timer feature on your phone instead. I’ve been doing it myself for a few months and it’s a game changer for me. My job has me working many different shifts, and because of it, I’m never waking up at the same times. And because my schedule is inconsistent, alarms are pretty difficult to manage and keep track of. So instead now I use the timer feature on my phone. So instead of crea…

LPT: If you think someone in your group isn’t talking enough, consider whether you’re talking too much Are you hogging the conversation and making it hard for quieter people to get a word in edgewise? Try pausing occasionally and giving other people a chance to speak. If that doesn’t work, use some of your “airtime” to explicitly draw them into the conversation by asking for their thoughts. If you’re the most influential person in the group, make…

LPT: Consider inflation when giving gifts We learn what money is worth when we’re young and this can affect how much we give for tips, allowances, or presents. So, when you’re deciding how much to give or spend, think about how much things cost when you first learned about it. Then, add on the inflation to make up for how prices have gone up since then. submitted by /u/rapidborp …

What age should i consider buying a Life Insurance. Im a 23 y/o guy who started earning like an year ago. I earn around 10 LPA (ie ₹ 1,000,000 per annum). I drink occassionaly , and smoke daily and exercise daily. When should u consider buying bcs i heard buying it early can save you money on premium later on.I wanted to know weather buying one would be a wise dexision now or not.If yes what are …

Looking to open a Roth IRA. Where should I open one and what investment options should I consider? Hello all. I’m 19 looking to contribute $350-$500 per month into a Roth IRA. I decided on that versus a 401k because I pay low taxes as a working college student and I believe I’ll be in a higher tax bracket in the future. I’m looking for an institution that offers a Roth. I’m not sure if it makes a difference where I open an account and what fe…

Judge Should Consider Punishing NYC Officials Over Rikers, Monitor Says A contempt finding could force the Correction commissioner, Louis A. Molina, to implement new policies to improve conditions in the jails.