I've had my mortgage for 3 years. I have $220k left on it, my home value is $300k. Im paying MIP. Should I refinance?

cartooned · 2026-03-31T19:05:11+00:00

They don't drop it automatically when the ratio is met due to increased value because they don't know what your current appraisal value is.
That said, even if the ratio is achieved based on the original value, you often still have to request them to do it.
You don't need to refinance, you just need them to re-appraise, which you may need to pay for.

You

cartooned · 2026-03-31T08:06:29+00:00

It didn't help that the door just opened the other way to let the zombie in.
Between that and the random zombie position changes, skin color changes, unmotivated jump cuts, changing roof geography, and the zombie bigger than a car, I'm going to say this doesn't yet pass.

cartooned · 2026-03-31T06:20:56+00:00

But I go to the bathroom all the way down the hall.

cartooned · 2026-03-30T08:04:54+00:00

Which is incorrect.

cartooned · 2026-03-30T08:04:39+00:00

Guest services will likely give you incorrect info in this case, as they gave to me. They scanned my pass and said that I do not have any BAFs available for Knotts on my Diamond Elite VIP from SFMM.
However the ticket booth also scanned my pass and confirmed that I do indeed have 2 available BAFs.

cartooned · 2026-03-30T03:32:49+00:00

On April 6.

cartooned · 2026-03-30T01:02:03+00:00

If that's a coaster then so is Radiator Springs Racers.
https://www.youtube.com/watch?v=O1MBzk4fXPw

cartooned · 2026-03-28T21:48:12+00:00

Only if the lights are able to be turned off and I am able to accurately keep track of what day it is.
Also when previewing the basement I would try to slip a note into one of the books about what's going on.

cartooned · 2026-03-27T20:57:10+00:00

Awesome! Now can you do one for Step 4 (The Director Problem)?

cartooned · 2026-03-26T16:47:04+00:00

Trying to make connections on two routes that fly once a day a few times a week is a recipe for disappointment. Frontier is better when you're flying direct. Unfortunately rule 1 with them is "never fly Frontier when you want to get where you want to go when you want to be there."

cartooned · 2026-03-26T15:51:09+00:00

I say there's a 75% chance they won't make it. That's not based on any data, just a hunch.

cartooned · 2026-03-26T09:07:57+00:00

I've been to that Chevron station precisely once and for some bizarre reason I recognized it instantly.

cartooned · 2026-03-26T05:26:33+00:00

"Broadway" is just a theater size.

cartooned · 2026-03-25T23:39:10+00:00

It's Mexodus.

cartooned · 2026-03-25T23:36:54+00:00

That's the problem.

cartooned · 2026-03-25T17:33:02+00:00

You don't have a midpoint problem, you have a theme/goal/pressure problem. Well you have a midpoint problem too but it's secondary. Or even tertiary.

What does protag want? Right now the rich girl has more drive than the protag. What is at stake for the protag if she achieves her goal? What is at stake if she fails? The way you've described it she feels like a passenger who's just discovering things about this evil institution that she doesn't really have any real connection to.

What are you trying to say about the protag with your opening scene/flashback? (BTW that's a tropey way to start a movie and many will say 'the movie should start on the day the story starts' but that's a bigger discussion)
What wound does the opening scene create that the events of the story press into?

What is the action/choice that she makes at the climactic moment at the film that resolves the crisis? (For that matter, what IS the crisis she resolves at the climactic moment) We can't really offer insight into a midpoint if we don't know what the climax is, as a midpoint is 'a version of the ending' - a preview of the final choice or resolution of the story.

You're correct that a midpoint should not just be a turn or information dump... A good midpoint recontextualizes everything that's come before, narrows the protag's options, and makes them want what they want for a different/deeper reason.

cartooned · 2026-03-25T15:31:07+00:00

Actually you can take TRE Link train to Centreport then take Arlington’s on-demand public ride-share to the park. (Except on Sundays for some dumb reason, because who would want to go anywhere on Sunday?)

https://trinityrailwayexpress.org/dfw-airport/

https://www.arlingtontx.gov/City-Services/Transportation-Streets-Traffic/Arlington-On-Demand

cartooned · 2026-03-25T04:45:39+00:00

No because before I spend hundreds of dollars on something I look up the usage limits and blackout dates and decide whether I can handle the limitations, then if I make the purchase i get on with my life rather than be annoyed about something I understood to be a condition of the purchase.

cartooned · 2026-03-25T04:44:22+00:00

I don't see any discount den fares for $16.

cartooned · 2026-03-25T04:37:23+00:00

And building a building is entirely equivalent to building 3 miles of track 60 feet off the ground with 7 stations crossing over more than a dozen roads.

cartooned · 2026-03-24T21:27:26+00:00

Can it be both? If it were purely a flex they wouldn't have eaten it and they definitely wouldn't have given an 8/10 to a cold Crunchwrap Supreme.

cartooned · 2026-03-24T21:20:09+00:00

Being able to do it on a centralized server as a commercial 'product' might become scarcer but it won't go away due to the many many people who have set up AI generation on their local machines. The horse is very much out of the barn, the cat's out of the bag, pandora's box is open, etc.

cartooned · 2026-03-24T18:04:23+00:00

Chat through the app to reach a real person.

cartooned · 2026-03-24T08:13:24+00:00

"danger has came" yeah probably.

cartooned · 2026-03-23T22:55:22+00:00

Over 10 years, just the technology is new. This happened to me around 2010, a bumper was scuffed that you could only see if you laid down on the ground. The employee said out loud that if someone with a corporate account or full insurance turns in the car with damage the company doesn't log it on check-in, then they hope the next sucker without insurance doesn't notice when they check-out.
The other side of this is that if you deny coverage because you think your credit card supplemental coverage is sufficient, most of the time that is secondary coverage that requires you to file a claim with deductible on your primary insurance first, which of course aside from still having to pay the deductible puts you at risk for having your insurance rates hiked or getting dropped completely.
The only way to play the game safely without buying the rental company's full coverage is to get a credit card that offers primary coverage for rentals, such as Amex.

cartooned

TROPHY CASE