Switch both to a provider you haven't had (or haven't had in a while). When Geico jacked my rate up to $135/mo (after years of clean driving history) I went to Progressive and Allstate for quotes -- both offered me something around $72/mo. It's just a stupid adult thing to have to shop around and change insurance companies yearly.

Username checks out.

Not very attractive, but you could install bollards close to the road if you're worried about a potential accident ending up in your living room.

Schedule 35 (where I get mine from) has some good information on microdosing on their site.

We're all different -- body size/type, tolerance, etc., so I would start low at 50-100mg/day and then follow a schedule of 4 days on/3 days off. Try it for a couple of weeks and be sure to reflect on how you're feeling daily. It's important to check in with yourself to see if you're noticing a difference in how you feel. You may need to slightly up the dose, or it may not be for you.

I plan on watching as much of the game as possible from the office. Fox will give you a 'free one hour preview' on their site. If you open it up in a Chrome Private Browsing window you can quit the app once you hit the time limit, open it back up and you get a fresh one hour preview.

Washington Commanders, Boston Bruins, and Boston Red Sox are my main teams. I support DC United and Manchester United, but haven't followed soccer recently as much as I used to.

Microdosing shrooms has helped me a good bit. It really helps to alleviate my social anxiety which sometimes makes it impossible to be around anyone other than a few specific people.

One of the best clips of all time.

The past two nights I’ve been helping out as a vendor at KD’s Winterfest and I gotta say it’s pretty neat. Tons of lights, music, characters, hot drinks and warm treats. They do a great job with the atmosphere. It’s a lot more fun than I expected. I’m excited to go check it all out when we’re not working.

3.25 years. I still miss the weather and how walkable everything was in relation to where I lived, but I don't miss how expensive everything was.

[Check out my sister-in-law's candles. They are excellent candles. Burn with Cassie the Nova] (https://www.cassiethenova.com/)

My SO and I will be slinging them occasionally at KD's Winterfest starting this Friday.

Awesome! I’ll let her know - she loves to hear positive reviews.

My sister-in-law just moved to Richmond and has a candle business. I'm not a candle person, but I have three of them and they're all great. You can buy online or catch her at markets around the city.

Burn with Cassie the Nova

I was really hoping you were talking about the Netflix game show. I had a good time with that one.

This city is full of food snobs who don’t mind paying a premium for mediocre food.

Well that’s just, like, your opinion man.

I know I stan for it — hard — but have you tried Wawa? Either the ones by the register, or, their made-to-order? It’s a solid option depending on how you want your sandwich.

I believe FHA loan rules changed in 2013 (based on the one source I checked this morning).

I'm not sure if my mortgage lady deals with FHA loans, but I don't see why she wouldn't. Give Hope Prince a call -- she's super easy to talk to and very knowledgable/helpful. Here's her Facebook page with contact info.

On a conventional loan, yes, you can request PMI to be removed after 20% equity and two years of on-time payments. FHA loans have MIP, which is basically the same thing as PMI but with different rules.

Gus' saved a pair of my SO's boots that she really loved. They do fantastic work.

> No one expects you to put 20% down.

True. Including the down payment assistance grant, which was 2%, I put down a total of 3.5%. PMI comes to about $86/month for my home.

I believe that with FHA loans you get MIP which is like PMI except that it never falls off the loan. You have to refinance to get it removed. Please fact check that as it's been a minute since I've gone over all of this information.

Edit: Just looked this up -- from what I saw if you pay at least 10% down on an FHA loan you pay MIP for 11 years. Less than 10% down and you pay MIP for the entirety of the FHA loan.

Hulu stutters, freezes, and reboots all the damn time on my Vizio TVs. I’ve been meaning to try it on another device because we love their content. It took us 90 minutes to get through a 50 minute episode the other night.