Virginia K. Smith

Q: We live in a large co-op that is considering refinancing our loan. We would have to pay a rather large prepayment penalty, but with the lower interest rate, would save a considerable amount per year to pay for upcoming and overdue capital projects. Is it worth it?

Another late-night delivery option to add to your rotation: McDonald's (Gothamist)

So, your roommate's a deadbeat. What now? (Apartment Therapy)

For those of us without green thumbs, there are now (adorable) paper plants (Design*Sponge)

Even if your neighbor isn't snitching on your Airbnb side hustle (and the cops aren't busting in sans warrant), NYC hosts have got something new to worry about: "sting" operations like the highly publicized recent efforts of city assemblymember Linda Rosenthal, who posed as a short-term renter to incriminate hosts, as Mashable reported over the weekend.