At some point a judge may decide the terms of legal and physical custody. Legal custody means the legal right and responsibility to raise a minor child and to make decisions on her or his behalf. Joint, split, and shared legal custody require both parentsâ approval for all major decisions. Physical custody means possession and it defines the physical location of the child.
Private mortgage insurance (PMI) protects the lender in the event that you default on your mortgage payments and your house isn't worth enough to entirely repay the lender through a foreclosure sale. Unfortunately, you foot the bill for the premiums, and lenders almost always require PMI for loans where the down payment is less than 20%.
You can in fact let fireworks off any time of year and any day of the week including Sundays, but you must let them off before 11pm. Exceptions to the 11pm rule are: November 5th (Bonfire Night / Guy Fawkes): You can let fireworks off until midnight. December 31st (New Yearâs Eve): You can let fireworks off until 1am.