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With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%. 189
at the General Motors plant in Spring Hill as the United Automobile Workers strike continues. Between 7 and 9 people were arrested, according to Mark Herron, Chairman of UAW's Local Chapter 1853."They weren't aggressive; they were just going ahead and making a point," Herron said.The demonstrators were asked to move by law enforcement, Herron went on to say."At the end of the day, these men and women in uniform don't want you to get hurt," Maury County Mayor Andy Ogles, said. Ogles said he supports the strike but doesn't want to see anyone get hurt.Nearly 50,000 workers nationwide — including 3,300 workers at the Spring Hill plant — went on strike at midnight Monday after contract negotiations broke down between GM and the UAW. Union leaders say GM pulled the plug on healthcare benefits without warning."It was a low blow and unnecessary." Ogles said."Suddenly, when that healthcare was dropped, it put a lot of people in jeopardy." Herron said. "People are waiting on organ transplants. We have pregnant mothers." Herron added three employees needed chemo treatments as of this morning.The three-day strike has already started to affect production in other countries. GM has placed about 1,200 workers on temporary layoff at a Canadian factory that makes pickup trucks.This story was originally published by Caroline Sutton and Lisa Reyes on 1357

You’ve probably noticed new electronic payment screens when purchasing coffee or other items at a counter. With the new systems, do customers end up tipping more? An automatic tipping system called Toast says since 2017, quick service restaurants using their system have received tips on nearly 60 percent of credit card orders, compared to 28 percent previously. "The basic idea is to make it very easy for you, very convenient for you, and create an expectation that this is a norm,” says Dr. Kevin Masters, a professor at CU Denver. “And this is what’s usually done." Dr. Masters says the psychology behind the process is to cause stress for customers, which makes them tip no matter how much they decide. "These ones where you are at a coffee shop or taxi places like that, you're given this automatic tip, especially if there is a line behind you there is a pressure," he says. If you think you're the only one who feels awkward in this situation, you're not alone. Nathan, who works as a barista, says the feeling is mutual. But he does believe he gets tipped more with automatic tipping screens. Dr. Master's says whether or not you tip, it's all psychological with the pressure you feel."Most of us, I think, would rather just get it over with,” he says. “So, if it costs me a few more cents on this cup of coffee, [no] big deal." 1427
has rattled Nassly Sales and her family.The Jersey City mom had ordered two boxes of diapers from Amazon as she does every month for her two daughters, purchasing the items from the site’s “Amazon Warehouse” section, where open-box and returned items are sold at a discounted rate.When the package arrived this week, she said nothing could’ve prepared her for what she says she found inside.“I picked up the diapers and it was a little bit heavy, I was half asleep the lights were off,” she explained. “At that point, I turn on the light and that’s when I noticed these diapers are neatly-folded and they are soiled.The shocking discovery prompted the mom to immediately disinfect her nursery, even wiping down her 19-month-old daughter with rubbing alcohol.The child, a micro preemie, was born 26 weeks premature, weighing a little over a pound, making her immune system compromised. According to Sales, the baby was just inches away from what she believed was a health hazard.Speaking to an Amazon customer service representative later that evening didn’t exactly put the family at ease.“They were like ‘OK sorry for your inconvenience, we will give you a refund. You’re more than welcome to keep the stuff, you don’t need to return it,’” Sid Mukherje, the children’s father, told WPIX.“And my thought was "Wow, you are not understanding what I’m saying.”While the family has not officially sent the substance to be tested, they say it bears a strong resemblance and odor to fecal material.What they want now is a better explanation from Amazon about the mishap.According to their website, the company inspects and certifies all open-box products before re-selling them, something Sales says obviously did not happen.In a statement to WPIX, an Amazon spokesperson said, "We work hard to provide customers with a great experience and deeply regret that this situation did not live up to our high standards. We worked directly with the customer to address this situation.” 1974
from a mural after the "hidden" message caused a stir online.The mural, titled "The Devil Is in the Details," was created by New York-based artist ELLE as part of Lexington art collective PRHBTN's annual street art festival. The festival has brought dozens of large-scale works to the city.The colorful piece on the side of a building near Short and Church streets depicts the faces for four women and a snake emerging from a can of spray-paint.But it also contained what the artist said was supposed to be a hidden message: "F*** Trump."By Tuesday night, the words had been spray-painted over. The building's owner confirmed that he had ordered the words be covered up after news of the explicit message caused a stir online.Earlier, the artist said the words were supposed to be invisible unless shown under a blacklight. But for some reason, the special paint didn't dry clear. She also released a statement about the work."In America we are all entitled to share our opinion, and it's important to exercise this right," her statement read, in part. "Let me be clear, this is not about politics, this is about expressing my anger: I am fed up!""I'm not trying to make people angry. I'm trying to make people talk," ELLE said Tuesday.After the words were covered up, she took to her social media accounts to criticize the move, saying: "Free speech isn't a thing in Trump Territory." 1387
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