Auto news on Youtube Oct 3 2018

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Rob: Hello.

Welcome back to another Poolside chat presented by Inyopools.com.

I'm Rob.

Matthew: I am Matthew.

Before we start, we have to answer a question we

received in the comments from last week's show.

The answer is yes.

The question goes as such, do new pool

heaters require a fireman switch?

Now, before you start yapping, let me talk to these people real quick.

Let's explain what a fireman switch is.

A fireman switch in conjunction with a timer is used to shut

the heater down 15 to 20 minutes before the pump turns off.

This was essential for older gas heaters because

the old-style fire box retained so much heat.

The pump was needed to run water through

the heater while the fire break cooled down.

Rob: According to Hayward and Raypack, a fireman

switch is not required with their new heaters.

The new fireboxes are made of silica fiber panels

that do not retain heat inside the cabinet.

All these newer heaters dissipate heat almost immediately.

That being said, it's not about you,

check with your local code requirements.

Some municipalities may still require a fireman switch.

Matthew: All right.

Your part was good but my part was better.

Thank you for joining us.

If you like this video, please like and also subscribe.

We'd appreciate.

Thank you for joining us.

Bye.

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For more infomation >> Do I need a fireman switch for my pool heater? - Duration: 1:21.

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What do I need to carve a pumpkin? - Duration: 4:01.

For more infomation >> What do I need to carve a pumpkin? - Duration: 4:01.

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How much do I need for a down payment? Typical down payment on a house - Duration: 2:54.

How much do I need for a down payment well we are talking about that today and we are starting right now

Hello everyone, welcome to my channel, my name is Ashley Jurney and I'm a realtor and buyer specialist with town in, Charlottesville

Virginia you can learn more about us by visiting our website at TOWNCVILLE.COM.

So you guys are here because you want to know how much you need for a down payment

Well, there are a couple of different answers to this question. But the national average for down payment is 11%

That figure includes first time and repeat buyers

Well, the broad down payment average is 11%

First-time homebuyers, usually only put down

Three to five percent on a home. That's because several first-time home buyer programs

Don't require big down payments

For instance the FHA loan requires three point five percent down some programs also allow

downpayment contributions from family members in the form of a gift

There are also programs that require even less of a downpayment

VA loans and USDA loans can be made with zero down

However, these programs are more restrictive VA loans are only available to former or current military service members

and

USDA loans are only available to low to middle income buyers in

USDA eligible rural areas

there are programs that require more of a down payment such as conventional loans, which requires a

20% down payment

these types of loans are typically taken out by repeat buyers who could use equity from their existing home as a source of

downpayment funds

However, some new conventional loan programs are available with 3% down if the buyer carries private mortgage insurance

or PMI

Okay, now I know I threw a lot of information at you

So if you have any questions, feel free to leave it in the comments below

There are a lot of different loan

Programs and I plan on making a video about those later and getting more into the specific details about each

So be sure to subscribe to my channel and turn on notifications

By tapping the little bell so that you don't miss out on any of the future information

That could be helpful to you. If you like this video. Be sure to give it a thumbs up

Thank you so much for watching. See you next time

You