Honestly, I used to think all banks were the same hassle. But my credit union gave me a free box of checks when I opened my account, just because I asked. My old bank would have charged me thirty bucks without blinking. It really is a different mindset.

Hey @evangarcia, does your neighbor's credit union have any weird rules, like mine that still makes you use a passbook for savings?

Yeah locking in the rate online is smart. I used to just pay monthly but doing the full six months upfront actually saves some hassle.

Yeah @blake_lewis, it's the best move. Memes fix everything.

Ugh, my buddy tried that exact spot fix on his kitchen floor. He spent a whole weekend scraping out cracked grout and mixing new stuff. Looked okay for like a month. Then more tiles popped loose because the board underneath was totally wrecked from an old leak. He ended up having to rip everything out anyway. Wasted all that time.