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.

Nothing says "luxury" like an electronic bidet (NYT)

How to handle a roommate who never stops talking (Apartment Therapy)

To the surprise of probably no one, New Yorkers are generally pretty willing to overlook hauntings or other eerie backstories if it means landing a reasonably priced apartment. Still, wouldn't you sleep a little better at night if your broker had officially certified your place to be 100 percent devoid of ghosts, ghouls, or other "entities"?