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When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886
WILMINGTON, Del. – Joe Biden is calling for a nationwide mask mandate.“Every governor should mandate mandatory mask wearing,” said the presumptive Democratic presidential nominee, citing estimates from experts who say a mandate could save 40,000 lives over the next three months.Biden’s remarks came after meeting with public health experts with newly announced running mate Kamala Harris on Thursday.He said they spoke about schools reopening, the distribution of possible vaccines, the existence of racial disparities, and the lack of testing capacity. But he zeroed in on mask wearing.“It doesn’t have anything to do with Democrats, Republicans or Independents, it has to do with a simple proposition,” said Biden. “Every single American should be wearing a mask when they are outside for the next three months at a minimum.”Harris then spoke after Biden finished and reiterated the need for wearing a mask. She mentioned the more than 166,000 people who have died from COVID-19 so far in the U.S.“We know those individuals represent families, loved ones, grandparents, parents, sisters and brothers, aunts and uncles, of people that are mourning their loss every day,” she said. “So what real leadership looks like is Joe Biden, to speak up, sometimes telling us stuff that we don’t necessarily want to hear, but we need to know.”Watch their remarks below:The event came a day after the pair’s first appearance as running mates during an event at a high school in Wilmington, Delaware.During her speech, Harris took aim at President Donald Trump’s response to the pandemic.“At the president's mismanagement of the pandemic has plunged us into the worst economic crisis since the great depression, and we are experiencing a moral reckoning with racism and systemic injustice that has brought a new coalition of conscience to the streets of our country demanding change,” Harris said. “America is crying out for leadership, yet we have a president who cares more about himself than the people who elected him, a president who is making every challenge we face even more difficult to solve, but here is the good news. We do not have to accept the failed government of Donald Trump and Mike Pence.”Trump responded Wednesday evening, saying "I was surprised he picked her because of the horrible way she spoke about him, and frankly because she dropped like a rock."Biden and Harris will likely be holding these types of events often as the 2020 election season ramps up. The Democratic party will kick off its campaign next week with its virtual convention, which will feature several prominent party leaders, including the nominees.In the 24 hours following Biden’s VP announcement, his campaign says he raised million, which more than doubled the campaign’s previous record. 2788

With lawsuits, recounts and protests all looming, here is the official timeline for reporting and certification of the 2018 General Election results from the Florida Department of State:November 6 204
What do you do when (not if) one of those cheap, vertical, plastic Venetian blinds breaks?One Lakewood man had the idea to upcycle his excessively long CVS receipt, and his tweet about it has gone viral with over 157,000 likes and 36,000 retweets.On Monday, @andrewnolan2 tweeted a picture of the improvised sun-blocking device, throwing some literal shade at the pharmacy known for its lengthy transactional records. 425
White House counsel Don McGahn's final day at the White House was Wednesday, sources say.A White House official and a source with knowledge of the matter confirmed his departure to CNN.McGahn has been planning to leave the White House, but a source told CNN his departure was expedited after President Donald Trump said Tuesday he had selected Patrick Cipollone as his successor.A source said McGahn had a 20-minute farewell meeting with Trump Wednesday. The source called it a positive departure but both Trump and McGahn recognized it was time for him to go. The source said McGahn didn't want to stay on and the President didn't want him to stay.The source, "Typically you would have the incumbent stay until the successor was ready to take his place. But in this case McGahn was tired of the President and the President was tired of McGahn."McGahn leaves his post after serving as White House counsel through the tumultuous first 18 months of Trump's presidency, steering the White House's handling of the Russia investigation and responding internally to the President's mercurial moods as the investigation ballooned.His departure is another one from the handful of top aides who worked on the Trump campaign before joining the White House. McGahn served as the Trump campaign's top attorney throughout the GOP primary and 2016 presidential election, becoming a trusted adviser to the future President in the process.But McGahn immediately faced controversy in his earliest days at the White House, beginning with acting Attorney General Sally Yates' warning to McGahn that then-national security adviser Michael Flynn could be blackmailed by Russia and that he had likely lied to Vice President Mike Pence. Flynn was forced to resign after reports revealed Yates' warning to McGahn about Flynn's conduct.As the Justice Department and congressional investigations into Russian meddling in the 2016 election heated up, McGahn found himself increasingly at the center of Trump's and the White House's response to the investigation.And when Attorney General Jeff Sessions faced pressure to recuse himself, Trump enlisted McGahn to urge Sessions not to take that step. Sessions eventually did recuse himself, giving his deputy, Rod Rosenstein, the ultimate authority to appoint a special counsel.McGahn threatened to resign in the summer of 2017 after Trump ordered him to fire Robert Mueller, the special counsel investigating potential collusion between the Trump campaign and Russia's election meddling and questions of obstruction of justice.For McGahn, the President's order to fire Mueller was a bridge too far -- with the White House counsel refusing to follow through on the order, a person familiar with the matter told CNN. The New York Times first reported Trump's move to fire Mueller and McGahn's refusal to carry out the order.The slew of incidents involving the President and McGahn amid the Russia investigation made the White House counsel an important witness in Mueller's investigation, with McGahn sitting for interviews with Mueller's team in December.Before joining the Trump campaign and the White House, McGahn worked at the powerful DC law firm Jones Day and previously served as a commissioner on the Federal Election Commission. 3265
来源:资阳报