I'm not sure why writing for others became harder. Probably a reluctance to give away anything you might conceivably use yourself caused a block. I did it, but it remained hard when it had once been easy. ↗
I pattern my actions and life after what I want. No two people are alike. You might admire attributes in others, but use these only as a guide in improving yourself in your own unique way. I don't go for carbon copies. Individualism is sacred! ↗
Refinancing your mortgage usually makes sense if you can lower your interest rate by at least two points. But the most important question to ask yourself is, how long will it take you to break even? ↗