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I think this is the one you want (see link). I'm considering it as well, since I have a similar problem with no return line. It goes under the sink in the farthest bathroom. You'll need an outlet for it to plug into. There are similar devices made by Watts and others, but this Laing unit seems to get the best reviews. My only concern is the degree to which you'll be paying a lot more energy costs by forcing the water heater to work more. Of course, that has to be weighed against the lost water (which you once paid to heat) costs and the value of your time/convenience in waiting for hot water. Definitely get a version that includes a mechanical timer so you're not heating water all night. Here is a link that might be useful: autocirc

I guess I'm more ignorant of loans than I thought after 30 years of financing. I didn't "choose" Citizen's Auto Finance - the Ford dealership chose them for us. (Better percentage than what Ford Motor Credit was offering) And what is interesting - this is for a $30k vehicle in which we put down $15k. DH's truck "went up" so we were forced to buy him a vehicle and since I really didn't "want" another car payment we decided to put down enough to make the payment palatible. For every other car purchase I've ever done in my life it's always been just trade with no (or very little) money down. That's why I was so taken aback at all of this. I've just never had any of my other car loan companies call. It isn't one of those side of the road deals. We've got plenty invested that we're not going to lose it. I guess I just thought all dealership car loans were the same.

Hello all, The one and only auto-pay I have set up is thru my old credit union account. I have auto-deposit there for my checks. The CC with the auto-pay is also issued with/through them. (So, I'm not concerned about THAT one, since they already are "connected" - so to speak.) Also, that CC is the one I use for general purposes with a very low balance. I've not had a problem with that, nor any concerns, BECAUSE it is always a low balance - or paid off. It started out (while I was working) - I could opt a specific amount deducted fm paycheck every WEEK (remember the good old days when you got paid weekly?!!! lol), and automatic pymts to pay for my "one and only new car I ever bot". I LOVED it! (The car was also funded thru my credit union). I'd like auto-pay for TWO other cc's, but I don't want the cc's to have direct access to my cr. union acct. I also have a regular bank account which I've had for a very long time, (checking only - I dumped my savings due to their ridiculous monthly fees), and I use this to pay bills. I HATE this bank, but I've had my acc't for about 30 years - so don't want to close the account. What I've been doing for several years is writing a ck fm Cr. Union to deposit into my "regular bank scct" - but only enough to cover bills that I am paying (plus a small "buffer"), so that they make minimal $ on MY $. My balance is always VERY LOW in this account. (I REALLY hate this bank!) I considered setting up CR Union to make auto-deposits to my regular bank. (BUT, then again, I hate to "connect" the two.) And then set up auto-pay on cc's thru THAT account. PLUS, IF I did that, it would be under what I pay out each month,-(utilities, etc.), So...I would STILL have to write another check and go to ATM to make additional deposit every month. Sounds messy, huh? lol! Well, it is! I don't want to close out my regular bank acc't. Too old - and good for FICO??? I WON'T close out my Credit Union - also, too old. (plus I get lot's of benefits.) I've always been against the "online" pay method - Due to various reasons which I will spare you deatils! haha (In general - don't want to RELY on computer do to "crashes". afraid of change, many phishings, and just don't really understand how it works, etc...PLUS, I do NOT want emails to remind/inform me of this or that - I prefer paper coming thru regular mail.) BUT...hubby and son DO pay some bills online. I talked to hubby last night about how it works. I've decided to try it. (Slowly at first - & with a watchful eye) Check out Cr union online options first. See what I can/cannot do online. Sign up for that bank I hate - see what's available - what I can/cannot do - and if there are any FEES. Do an EFT fm Cr union to that bank. See how that works out. If all OK, check into CC's, see what. Try to make pymts online. (I'll start with one specific one first - see how it goes.) As long as I still get my paper statements in the regular mail each month with it all itemized... Hubby DID warn me that when I do the EFT - could take 3-5 days for it to go thru...(but then, it takes that time for regular mail also - for paying bills, that is.) I'll just have to do any bank TRFs a few days ahead. So, I have a lot to check into in next several days. Wish me luck! LOL!