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With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181

and now his former employer is feeling the backlash.On Oct. 20, Cody Hidalgo shared a meme that showed Elmo on the toilet. "Boss makes a dollar, I make a dime. That's why I poop on company time," the meme says."I found the meme on one of my friend's pages, and I shared it," Hidalgo said. "I share things that are funny all the time."A couple of hours later, the 23-year-old got a profanity-laced text message from his manager at Roman Stone Works."We don't make a dollar when you are s****ing all the time. Why don't you stay home and do your ****. I don't like to play your bull**** games, maybe there is a company out there that will put up with your games because I won't. Good luck," the message said, in part.Hidalgo asked if he was fired from the job he had worked less than two months, but didn't get a response.Hidlalgo then posted a screencap of his boss's message alongside the meme. That Facebook post has been shared more than 8,000 times. 954

Your friends are getting married, and then they pop a question to you: Will you officiate at the wedding?Leading a marriage ceremony is an honor, and you don’t have to be a professional. Plus, it’s becoming more common for couples to look to their inner circles for wedding officiants. About 47% of couples had a friend or family member officiate at their wedding in 2017, up from 29% in 2009, according to online wedding-planning marketplace The Knot.But make sure you know what’s expected as an officiant. Here’s an overview with some expert advice and my own experience. 581

including nurses.Many of them have had to work despite shortages in safety gear, continuing to risk their lives as they battle the virus.Kious Kelly, an assistant nursing manager at Mount Sinai Hospital, died Tuesday night after testing positive for the coronavirus, 269

of a lifetime."Watching your dad fade away sucks," said Colby Webb. Colby's dad, Larry, is fading fast after being diagnosed in May with bile duct cancer. He's now being cared for by Hospice of the Valley. With the limited time he has left, Colby was determined to give his dad one last thrill. "My dad will tell you the Corvette, that's the heart of American, it's American muscle, Americans want a Corvette," said Colby. Larry was no exception, passing along his love for the Corvette and cars to his son. "He asked when is this new Corvette going to come out, and my wife said January of 2020. The look in my dad's face when it clicked, and he realized he probably was not going to see this release just floored us, it broke my heart," said Colby. That's when Colby decided to call General Motors, who immediately agreed to deliver the car to Midway Chevrolet. "We invited all of his friends down, all the family members were down there, everybody we could call to come to see him, and see this Corvette," said Colby. Video from that day shows Larry thrilled as can be. He checked out the inside and outside of his dream car while surrounded by those he loved most. "I really did think that was his final hurrah," said Colby. Colby posted the video of the experience on Reddit, which got thousands of views. Little did he know, someone else with an similar love for cars was watching too. "I got an email two weeks later from producers with 'Jay Leno's Garage,'" said Colby. Within days the Webbs were on a private plane flying to Burbank. "We get him off the plane; there's Jay. My dad looks at my wife and goes that's Jay Leno," said Colby. All of it arranged in secret. Leno had a prototype Corvette ready to go. "Jay's not gonna call you out and let you just sit in the car," said Colby. Together, they took it for a spin, then stopped by Jay's garage for a tour of his massive car collection. "Jay Leno is one of the nicest people and his crew. Everybody was just the nicest people ever; they took care of everything," said Colby. A photo on the plane ride back showed Larry once again flashing his enduring smile. "I think it will be one of the last things he thinks about," said Colby. Larry's experience will eventually air as an episode on "Jay Leno's Garage" in the coming months. This story was originally published by Cameron Polom at KNWX. 2358