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With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%. 189

With the Food and Drug Administration expected to approve COVID-19 vaccines made by Pfizer and Moderna in the coming days, it's possible that many Americans will begin to receive vaccinations within weeks.However, both the vaccines require two shots that need to be taken several weeks apart — and officials worry that some Americans may forget to get their second shot.That's why officials said Wednesday that they are including reminder cards in each ancillary COVID-19 vaccination kit.According to the Department of Defense, the person administering vaccines will hand out a paper card after injecting the first dose of the vaccine. The cards will include the day that the first dose had been administered and the day that the patient will need to return to receive their second dose.Operation Warp Speed officials also say vaccine administers will also encourage patients to take a photo of the card with their cell phone or set up a reminder alert so they can remember the date of their next appointment even if they lose the card.On Wednesday, Gen. Gus Perna — the chief operating officer of Operation Warp Speed — said that pharmacy chains like CVS and Walgreens might be able to set up notifications and appointments for a second shot for those who receive the vaccine.CNN also reports that some vaccination clinics may ask patients to provide a cell phone number to help remind them about the second shot. All clinics will need to report each vaccination to a state registry in order to track instances where a person receives a shot from two different clinics.Johnson & Johnson is in the process of developing a single-shot COVID-19 vaccine. While officials on Wednesday said the vaccine is on track to reach efficacy thresholds by the end of the month, it likely won't be available until later in 2021. 1825

following mass shootings in El Paso, Texas and Dayton, Ohio.Flags should be flown at half-staff until Aug. 8, Trump said in a proclamation.You can read the full proclamation below:Our Nation mourns with those whose loved ones were murdered in the tragic shootings in El Paso, Texas, and Dayton, Ohio, and we share in the pain and suffering of all those who were injured in these two senseless attacks. We condemn these hateful and cowardly acts. Through our grief, America stands united with the people of El Paso and Dayton. May God be with the victims of these two horrific crimes and bring aid and comfort to their families and friends. As a mark of solemn respect for the victims of the terrible acts of violence perpetrated on August 3, 2019, in El Paso, Texas, and on August 4, 2019, in Dayton, Ohio, by the authority vested in me as President of the United States by the Constitution and the laws of the United States of America, I hereby order that the flag of the United States shall be flown at half-staff at the White House and upon all public buildings and grounds, at all military posts and naval stations, and on all naval vessels of the Federal Government in the District of Columbia and throughout the United States and its Territories and possessions until sunset, August 8, 2019. I also direct that the flag shall be flown at half-staff for the same length of time at all United States embassies, legations, consular offices, and other facilities abroad, including all military facilities and naval vessels and stations.IN WITNESS WHEREOF, I have hereunto set my hand thisfourth day of August, in the year of our Lord two thousand nineteen, and of the Independence of the United States of America two hundred forty-fourth.This story was originally published by 1781

YouTube users throughout the United States reported an outage Wednesday evening to the popular video sharing platform.Google, parent company of YouTube, did not said what caused the outage. Google said the outage was over by 9:13 p.m. ET"If you’re having trouble watching videos on YouTube right now, you’re not alone – our team is aware of the issue and working on a fix. We’ll follow up here with any updates," Google said in an update earlier in the evening.YouTube users who went to the website and attempted to watch a video found that videos would not play.The outage-reporting website Downdetector.com said nearly 300,000 users reported outages in the 7 p.m. ET hour. 682

Your phone can do so many things for you nowadays. From making payments at the cash register to searching social media, the world is in the palm of your hands. But Siri can also be on your side in case you get pulled over by the cops.The feature is called "Police" and it is available via the Siri Shortcuts app. It secretly allows you to record interactions with police by just speaking a command to Siri like, “Hey, Siri. I’m being pulled over by the police.”“I think it’s a tool that citizens need in order to make police accountable,” said retired Detroit police officer turned attorney, David A. Robinson.The new Siri shortcut is available for Apple iOS 12 devices. It allows you to secretly record conversations between you and law enforcement.“What we have seen are video captures of police officers losing it, irrationally starting confrontations with citizens,” Robinson said.Once the app receives a verbal command, it goes into "do not disturb" mode. It automatically turns down brightness, pauses sound or video and can send a message to a pre-selected contact, letting them know you’ve been pulled over.“Police go to an academy as to how to deal with citizens, and so to suggest that (the app) is manipulating an officer, that really doesn’t make sense,” Robinson said.He adds that the app would have been good to have during the 2016 confrontation between Philando Castile and a Minnesota police officer after Castile was shot by the cop. Castile's girlfriend recorded the whole thing as he died in the front passenger seat.“What was captured in the video, and so the video evidence becomes that more important,” Robinson said.Some say the app is controversial, but there are similar police-recording apps like "ACLU Blue." Robinson says law enforcement should use the app as a tool. “That would stifle his reaction to make him do the rational thing, the right thing, the legal thing, then that prevents harm to him and prevents harm to the citizen,” Robinson said.The ACLU says it is legal to record officers in public, and police are not allowed to delete your footage, confiscate or demand to view your video footage without a warrant. 2189