Then I moved on to a grocery store in a small town, where I worked my way up to frozen food manager.

toby- thanks for the post. i havent really looked much at interest only bc there is such a negative connotation around the idea (the wife is not a big fan). i should probably do some research and come to her w knowledge instead of "i think" it works this way...i just want the 30 yr fixed rate to get down to 5.5 then i can lock and be happy. i am not in a huge hurry as i live in minneapolis and it is tough to build a new deck w frozen ground!

Running water does freeze and you also run the risk of frozen sewer pipes.  

For example, burst and frozen pipes due to turning off the heat in the coldest day of the month.

I know so many bright and intelligent men who are in this business who are frozen with fear and inaction.

Best to you up there in the frozen tundra!

Hi Thomas from the other frozen north of Milwaukee, WI!

Depends on the location, but if you need a main plumbing line replaced in Michigan, you're likely to pay a lot more in January (when the ground is frozen) than you'd pay in July.

If you cant afford $ 400 for oil , how can you pay for frozen pipes and water damage ?

I have to have my tenants fill out a special form for the gas company so that I can be notified in the event of any potential disconnect due to non-pay.I can see wanting to keep tabs on it enough to become the middleman, either because the tenant is ineligible to get the service turned on in their name or because in the event of a service disconnect you could end up with frozen pipes.My lease stipulates that any utility costs incurred during the tenancy are the responsibility of the tenant, regardless of who the bill is going to at that time, and that the rent money is credited to the back utility costs before it is credited to rent.