Refinance a Mortgage

In an effort to increase the potential value of this site (to me, not you), I'm using financial terms. I'd like to refinance my mortgage, as interest rates are currently so low, but with a 2nd mortgage I think our home is still under water. Perhaps if we'd had money for a down payment, we could've done an 80/10/10, but instead we financed with an 80/20, and we're stuck in our 30-year mortgages until we scrap together enough to pay off the second, and then we can get a refi.

I've used plenty of mortgage calculators to try to determine how soon we could pay off our loans. Thankfully we don't have any other debt - no credit card debt or student loans - but it'll still be tricky to pay these loans off in much less time than they're set for, unless I can make more money. I've made one extra payment in all the time I've owned this home; I'll have to make many more payments to pay off my debt early.

You'd think that websites like this would be easy money, but I'll lend you a hint: they're not. Seriously, how does your interest rate? Enough to donate cash to keep these projects self-sufficient? Probably not. You have student loans to pay off, or a mortgage, your own bills -- shelling out a few dollars to say "Ha, that was funny" isn't on the docket. Don't worry. I mostly build this stuff just for fun.

What Year Is It?

The current year is


Welcome, time travelers! You, better than anyone, know that time is money. So why waste it trying to borrow a newspaper, or spend time convincing a stranger with no interest to tell you what year it is? Frustrated by banks of confused looks? Ready to save yourself some hassle?

Now, with the help of this site, the question "What year is it?" is answered. This free website can help, presuming you're accessing it after November 22, 2012, when it first launched. Attempts at earlier launches have proved to induce paradoxes; the tail end of 2012 was the earliest safe time we could put this here.

Warning: If you are traveling close to light speed, the time it takes to load this page may mean the date shown above is incorrect.

What Year Is It

No membership is required, though if you happen to be heading to the past sometime in the future, perhaps you could give Randy Tayler some stock tips? Or tell him not to buy his house at the peak of the housing boom -- or at least make a down payment instead of just getting a second mortgage that will eventually leave his home under water? That'd be great.

Note to habitual cryogenics users, or recently awakened coma patients: while this site is primarily designed for use by time travelers, the year is still valid for any user. Yes, it's really 2021.

Years are presented in Mountain Time, prior to June 7, 2023, and in Earth Standard Minus Two after that date. Note that the site will be offline for most of 2027 because of the zombies.