Spring

Today, this morning, shortly after sunrise, I spotted two woodpeckers, heard a third one, spotted two separate groups of half dozen deer each in the fields along the highway. A few days ago, I spotted lots of deer at dusk in the fields, the first cardinals in a long time, a few white swans flying over the highway and many dozens in the fields and heard plovers plaintive cries overhead. Spring is afoot.

Mortgage renewal

We recently early renewed our mortgage (2.99% fixed for 5 years effective late March instead of a PRIME-1.35% VAR effective early May, due to creeping rates).  I am curious how far will the rates change over the next 5 years and whether  the VAR would have been better or worse than the fixed rate over the five year period.