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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
he issued the pardons because he "believes in second chances," but some in Kentucky are outraged by his actions.Among those pardoned was 41-year-old Micah Schoettle, who was 176
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
for young children.Disney issued a recall for Toy Story 4's Forky plush toy due to choking hazard Monday.The recall affects about 80,000 units, according to the CPSC.The plush toy was sold at Disney stores nationwide, Disney theme parks and online at 253
RELATED: San Diego City Council passes controversial affordable housing plan"The proposal, as prepared, is a very moderate approach to 137
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