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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

also reported a scam in North Carolina through Venmo, which cost a person 0.Experts do warn that you shouldn't operate the app without a multi-factor authentication, such as a thumbprint or a PIN code. Plus, while you're at it, get off of bluetooth."They can hack into the phone via the bluetooth portal and then through that portal, have access to any application that you have," Joseph Martinez, a professor of information security, said.Experts also suggest linking your account to a credit card instead of a debit card so you have more protection.The bottom line, avoid the auto login, and make sure to lock down your app so you don't waste your money. 661

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with illegally buying body armor and components for the weapon used in the deadly mass shooting on Aug. 4.Ethan Kollie, 24, of Kettering, admitted buying an upper receiver that was attached to Connor Betts's AR-15 and the 100-round double-drum magazine Betts used to kill nine people in the Dayton entertainment district, according to an affidavit.Kollie and Betts allegedly assembled the AR-15 in Kollie's apartment 10 weeks ago, according to U.S. Attorney Benjamin Glassman. Kollie bought the drum 6-8 weeks ago and that's when Betts then took possession of all three components.Kollie's admitted drug use made it illegal to purchase or possess a firearm or components, and Kollie is being charged for lying on federal firearm forms, according to Glassman.Glassman said there is no evidence that Kollie participated in the planning or shooting with Betts.Kollie, who was arrested Friday, said he and Betts did "hard drugs," marijuana and acid together four or five times a week between 2014 and 2015, according to Glassman. Kollie also told FBI agents he smokes marijuana every day and has done so since he was 14, and that he uses psychedelic mushrooms he grows in his residence, Glassman said.Kollie had a concealed carry permit and owned a micro Draco pistol, a Taurus semi-automatic and a .38 Taurus revolver, Glassman said. Agents interviewing Kollie at his apartment said they smelled marijuana and saw a bong and the Draco pistol in plain sight.When agents returned with a search warrant, they said Kollie was carrying the .38 and what they believed was a small amount of marijuana.When purchasing weapons, Kollie checked the "No" box when asked if he used drugs, Glassman said.Kollie said he kept the gun components and body armor he bought for Betts earlier this year because Betts wanted to hide them from his parents, according to Glassman.Glassman and Todd Wickerham, Special Agent in Charge of the FBI office in Cincinnati, announced the charges at a 2 p.m. news conference in Dayton.Glassman said the FBI investigation is continuing and anyone who assisted Betts or had prior knowledge of the attack would face federal charges.Wickerham said the FBI is still examining the cell phone Betts was carrying at the time of the attack.Kollie faces up to 15 years in prison if convicted, Glassman said. 2314

His son, Malachi, is being held in jail and facing a second degree murder charge.The shooting happened at the family's home sometime before 3:45 a.m. Sunday. Details were limited. Pueblo police officers said there was a disturbance and that Ortiz had been shot and later died at the scene.His widow, Roseen Ortiz, remembers the trauma of that morning with much more clarity."I was in the kitchen and I just heard a pop and when I ran into the living room, they were just tussling over the firearm," she said.Roseen said she was able to get between the two men and grab the gun which stopped the fight. Immediately afterward, she said her husband collapsed."I dialed 911, I got a voicemail five times," she said. "I just started panicking, I didn't know who to call. I believe I called my daughter, but then 911 called back. And when paramedics got there he was still breathing, he was fighting for his life."She believes her son was intoxicated and that the shooting was unintentional."My son, I talked to him," she said. "He was unaware of what took place until he sobered up and the police told him what they were charging him with and he's having a very hard time."Malachi had his mother ask his sisters, nieces and nephews for forgiveness. He also wanted her to tell the church family that he was sorry.During the gathering Monday afternoon, church members and relatives comforted each other with a potluck. Later, balloons were released in the late pastor's honor.Roman began his ministry more than 20 years ago. Roseen said her husband wanted to be an Evangelist. When the pastor of their church unexpectedly stepped down, Roman felt called to take on the responsibility.She remembers him as a loving husband, father and grandfather."It's going to be very hard without him. He was a man who spoiled all of us," Roseen said.She asked the Pueblo community to pray for her son and to forgive."If Roman could speak down from heaven, he would say forgive, you know, to forgive Malachi," she said.A judge advised Malachi of the charges he faces during a video conference from the jail on Monday afternoon. He is scheduled to make his first appearance in a courtroom on Thursday.This story was originally published by 2219

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