Yea, it’s gochange.co. They don’t have a downloadable app yet. It’s like digit in the beginning. They text you or Facebook message if you prefer that.

I service commercial washer and dryers. Biggest thing not mentioned here is warm up and cool down time. A lot of dryer models have a cool time, usually last two to three minutes of a load. Its meant to prevent the consumer from burning themselves on the hot steel drum. If you milk a hot dryer and never let it get down…

I’d also suggest checking your wiper blades every so often as well. They are often overlooked until they are needed.

Thanks for the lists. Each list could only cost $1 for ten movies and still wouldn’t consider purchasing.

Thanks for the lists. Each list could only cost $1 for ten movies and still wouldn’t consider purchasing.

11 ounces per person sounds right if, and only if, this is dessert. If it is served with a salty counterpart of any kind [such as feta, mmmm], and you’re not messing about with calorie-counting ascetics, you need more. Perhaps 60% more. My 2 ¢.

When I bought 6 or 7 years ago, I put 3.5% down and had an FHA loan. I had to pay the PMI but I thought I was able to write that off at tax time. Anywho, after a couple years, I refi’ed and due to the market coming back in my area and the rising value of my townhouse, I had 21% equity and was able to hop out of the…

We bought a house in 2007 on an 80/20 loan to avoid PMI with nothing down. The 80 part was low interest and the 20 was a bit higher, essentially a home equity loan. This was significantly cheaper than PMI, at least by monthly payments, I think the 30 year term balanced out though. We bought another house in 2012, the…

Also depends on the bank. The State credit union where I live has no-PMI loans even if you’re only putting 3.5% down. The interest rate is almost half a percent higher, but still cheaper than PMI, and no massive PMI premium rolled in to the loan.

THIS x2. Depends on where you live - some states have really good incentives/programs - we got a MASSHousing Loan. We put down 3%, have no PMI and our interest rate is still in the 3s. (we had the cash for a 20% downpayment, but our loan officer advised us to keep that as an emergency fund, so find a good loan officer…

This.

It’s hilariously laughable to think anyone my age would be able to put 20% down in my city unless they have help from family or have been living ridiculously frugally since college.

Love it! Thanks for sharing.

Good job Kyle! Cooking is a valuable skill to develop and master.

1.) Ditch blackout curtains. Dark is not your friend.