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Can groundhogs or other animals predict the weather?
  + stars: | 2024-02-02 | by ( Jackie Wattles | ) edition.cnn.com   time to read: +8 min
CNN —Punxatawney Phil, the central character of the annual rite of winter known as Groundhog’s Day, isn’t great at his job. Education Images/Universal Images Group/Getty ImagesThe Old Farmer’s Almanac has aggregated a couple dozen adages about insects, animals and their ability to predict weather patterns. Researchers in Germany also looked into whether various species of animals could detect an oncoming earthquake. Fact vs. folkloreOther tropes about animals’ ability to predict seasonal conditions, however, are wrong. But in reality, the “caterpillar’s coloring is based on how long (the) caterpillar has been feeding, its age, and species,” according to the National Weather Service.
Persons: CNN —, Phil, isn’t, Theresa Crimmins, phenology, ” Crimmins, , , it’s, Max, Gordon Miller, ” Miller, Crimmins, Miller, Rachel Carson Organizations: CNN, National Phenology, United States —, USA National Phenology Network, University of Wisconsin -, Max Planck Society, Dolbear’s, Oceanic, Administration, Seattle University, National Weather Service Locations: United States, Germany, University of Wisconsin - Madison, North America, Mendota Heights , Minnesota, Tennessee
How does a mortgage rate buydown work? The terms are sometimes used interchangeably, so it's important to understand how your individual mortgage lender is defining the buydown. When you pay for discount or mortgage points, you permanently lower your mortgage's interest rate (as opposed to buydowns which only temporarily lower the rate). So it may make less sense for these types of borrowers to pay for a lower rate. You'll want to pay attention to your mortgage's closing costs because the fees you pay can wipeout the potential savings from securing a lower mortgage rate.
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