Mortgage Renewal in TD

My mortgage is due for renewal in November but TD is offering early renewal effective July 1st and the rate offered is 3.99 for 3 years fixed. Is it reasonable? Currently paying 5.71 though. I primarily prefer fixed and I already suffered with variable in the past few years then later switched to 3 year fix when rates were at peak. However I am still think if I have to stay on variable for a few months and then switch to fixed when the rates go down. Any advise?

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u/BeeLive9842 — 10 days ago

35 days post LIS

It’s been 35 days since partial LIS. I still could feel irritation in the fissure site during bowel movement. The fissure site hasn’t healed yet. Am so anxious. Even with soft bowels, I can feel the fissure site(could feel irritation in that spot). As of now it’s not painful but am worried if slightly harder stool will tear that spot or if it would stop healing.

had similar kind of irritation with soft stool then it would progress to tearing pain during broad stools. am Afraid if the same is going to persist

How long did it take for the fissure to heal after surgery?

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u/BeeLive9842 — 15 days ago

Gas incontinence - 1 month post LIS

I have incontinence for gas 1 month post partial LIS. Does this get better? I am so worried about being embarrassed at work if that happens. In case it doesn’t get better, would pelvic therapy help with with it?

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u/BeeLive9842 — 23 days ago

Spasm post LIS

I had LiS and skin tag removal 24 days ago and had my first spasm episode yesterday, that lasted for 45 minutes. The spasm is slightly stronger than what it was pre surgery. Is this normal and expected during healing phase? This started right after I applied ointment. The surgical site is still swollen and raw to touch.

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u/BeeLive9842 — 26 days ago

Had laser LIS and skin tag removal 5 days ago. Bowel movements were not painful for first 2 days until anesthesia wore off. But it’s painful during bowel movement from day 3. Doctor recommended 15ml lactulose but stool is still well formed like logs and it’s very painful. Is the dosage too low?

I increased the dose 10+10+15 ml throughout the day and I get slightly softer but two bowel movements which is again painful. Why is even soft but formed stool still painful? Is this normal while the wound is healing?

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u/BeeLive9842 — 2 months ago