Germany. We got our loan in 2018 for 1.78%. A friend of mine even negotiated 1.4%. However, we have a loan term length (is that the word?) of 10 years, so let's hope rates will be low again in 2028.
Edit: It's a fixed interest rate over 10 years. Zinsbindung in German.
Loan term refers to the total life of the loan. A 10 year term would mean you could pay off the loan in 10 years through making minimum payments.
Are you referring to an adjustable rate mortgage (ARM)? That’s what’s they’re called in the USA. ARMs haven’t made a lot of sense in most cases as of late.
What does lending look like there? Do you all do 30 year mortgages too? Do you have an option for a fixed rate mortgage?
Ya know, I have been asking myself that for two weeks now I have learned that over time I have completely lost sight of having passions, deep interests and stuff. I guess it's time to try to rediscover those things because it's hard to get out of bed in the morning.
Frankly it was a steal compared to what some of the places we missed out on went for. One place we looked at was listed at 419, we offered 610, and it sold for 731. It was a ~1000 square foot bungalow with a half finished basement.
Damn, what country are you in? I bought at the tail end of the 2008 crash. Things were still low but, coming back up. I think I’m at 4.5%
My friends parents bought in 2007 and keep making terrible financial decisions so they can’t refinance. If I understood right their interest rate is 15% or something INSANE.
Romania. We are in the EU but not in the €urozone. We still use the local currency. For the same amount in € the rate is 6.40%. Total ripoff compared to the Northern/Western parts of the EU which is why I didn't sign shit. They can go fuck themselves.
Thanks for asking! Lately I've been trying to cut down time spent in social media and other apps to be more present at home and giving more attention to people around me.
I've also tried to take more active role in meal preparation, my wife has appreciated that. :)
Ernest is the creator of kbin and the admin of kbin.social. When another instance federates with your community it creates local copy of your community on that instance. The first admin of the kbin instance is always listed as the "owner" of the federated community but they cant actually take any moderation actions in your community. I believe the admin of the federated instance can moderate what appears on their instance though.
Ooooh okay.... that make sense. For a moment I honestly thought someone was just lazily mooching off my content (it has happened before, sadly) but if that's basically the default setup for every community not native to kbin, then I don't have anything to worry about. =)
As long as it does start syncing eventually, that’s fine with me. I would just have found it weird to kinda “block” that particular community/magazine/etc. across all instances if the end users don’t even get access to the content.
… but then again, the Fediverse is probably just overwhelmed ATM so things like these slow down for a while. It’ll probably get better once the dust settles a bit after the reddit exodus (reddodus? rexodus? exoddit? I can’t think of a good portmanteau)
i haven’t tried olive oil and other similar oils like others have suggested, but there’s a product in my country that’s specifically sticky stuff remover (like label residue) and it’s made of orange oil
It's in the peels and has lots of the fruits flavour. All citrus have it, that's why you grind a bit of lemon peel into your food: It tastes way more lemony than the juice.
If you have Microsoft Word, just use the built in spell and grammer check. It's far more capable these days and is very feature rich.
Another user pointed out how much worse you can make your writing using it. I had a peer in a group project put our work through Grammerly and mindlessly accept what it said to do and it ruined the writing.
Mind you, I've never been a fan of Grammerly and certainly don't understand how people could pay for it. And certainly would never be comfortable using it for free, because then they're data mining me.
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