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For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

Florida Gov. Rick Scott signed Senate Bill 7026 into law Friday, the first gun control legislation enacted in the state after the Parkland school massacre on February 14.The new law, known as the Marjory Stoneman Douglas High School Public Safety Act, tightens gun control in several ways but also allows some teachers to be armed."The hardest thing I've ever had to do as governor is try to console a parent who has lost a child," said Scott, surrounded by families of the victims. Scott received the bill Thursday following days of impassioned, often contentious debate in the majority-Republican House and Senate.  631

For years, Toys "R" Us was an American success story.Now the discount toy retailer is in its final chapter. The company filed for bankruptcy in September. On Wednesday, Toys "R" Us told employees that it would close or sell all its stores in the United States.It's an ignominious end for the company that was once the toy industry's powerhouse. In the second half of the 20th century, just after the Baby Boom, Toys "R" Us grew into a dominant retail chain thanks to its low prices and a knack for keeping the nation's hottest toys in stock."Toys 'R' Us, Big Kid on the Block, Won't Stop Growing," a Wall Street Journal headline blared in 1988.It all started in 1948, when Charles Lazarus, age 25, opened a baby furniture store called Children's Bargain Town in Washington, D.C. He knew Americans returning from World War II were starting families and needed somewhere to stock up on nursery decor.But before long, Lazarus discovered that the real money was not in cribs, but in toys.Toys break, or go out of fashion — which means parents need to go to the store more often, Toys "R" Us explains in its online company history.In 1957, Lazarus opened his first store stocked only with toys. It was modeled after a supermarket, with items stocked high on shelves and a wide assortment of choices. He named it Toys "R" Us — with a backwards "R" in the logo that was supposed to look it it was drawn by a kid.The mainstays of the iconic Toys "R" Us marketing campaigns emerged over the next two decade. Dr. G. Raffe, which had been used to advertise Children's Bargain Town, became "Geoffrey."In a Washington Post ad from 1970, an eager Geoffrey touted "super giraffic selections" inside "super giraffic stores!" Geoffrey made his first TV appearance in 1973. The "I don't want to grow up" jingle made its debut in the early 1980s.In the meantime, Toys "R" Us was booming.The company went public in 1978 after the bankruptcy of onetime parent Interstate Stores. It quickly became a Wall Street favorite. In 1980, the Los Angeles Times called Toys 'R' Us "one of the New York Stock Exchange's hottest stocks.""What we are is a supermarket for toys," Lazarus told the Washington Post in 1981. "We don't have a competitor in variety. There is none."The Washington Post story favorably compared Toys "R" Us to another American giant: McDonald's."Like McDonald's, with its regimented service and standardized burgers and fries, Toys 'R' Us has become an American institution," the article said.Toys 'R' Us was also known in the corporate world for its sophisticated use of computers."One thing that sets the Toys 'R' Us operation apart is that Mr. Lazarus knows precisely what his customers are buying," a 1985 Wall Street Journal article said. "Each product is tracked by computer, and that helps the chain spot hot-selling items weeks before most competitors do."Lazarus also kept his stores stocked with a variety of baby products, like diapers and formula, so shoppers would have a reason to shop year-round.Things started to go awry in the 1990s. In 1994, Lazarus stepped down as CEO. But the biggest change came when Walmart started offering lower prices on diapers, according to toy industry analyst Jim Silver.While Toys "R" Us remained a destination during the holidays, it lost regular shoppers during the rest of the year."That changed everything," Silver said.In 2001, Toys "R" Us opened a flagship store in Times Square, complete with a 60-foot Ferris wheel and a life-size Barbie dollhouse, in order to juice enthusiasm. But the costs were "astronomical," Silver said.On shaky ground, Toys "R" Us was taken private by a group of private equity firms in 2005. Bain Capital, Kohlberg Kravis Roberts & Co. and Vornado Realty Trust bought the company for .6 billion.Saddled with debt, the store was not able to pour enough money into necessary, innovative changes. By the time Amazon ruled the online shopping ecosystem, Toys "R" Us was lightyears behind — despite an early partnership with Amazon in 2000. The agreement to jointly sell toys online ultimately went sour and ended after a court fight."Walmart had a better online experience. Target had a better online experience," Silver said. "They lost online and they didn't adapt."In 2015, Toys "R" Us closed its Times Square mega-store. It was the beginning of the end.A dismal 2017 holiday season was the death knell. Toys "R" Us will run out of cash in the United States in May 2018, according to a recent bankruptcy filing."Everything is up for sale," Toys "R" Us CEO David Brandon told employees on a conference call earlier this week. 4609

FRESNO, Calif. (KGTV) - The former Camp Pendleton Marine accused of supporting a Christmas Day terror attack at San Francisco's Pier 39 popular tourist destination was sentenced Monday to 15 years in prison.Everitt Aaron Jameson, 26, pleaded guilty to the plot in June. He supported radical ISIS jihadi beliefs, wrote social media posts supporting terrorism, communicated with people he believed supported his views, and offered to provide services to them with a tow truck, according to a report written by FBI Special Agent Christopher McKinney.A confidential source alerted the FBI last fall to a Facebook account Jameson ran, agents said.  Jameson “liked” and “loved” posts that were pro-ISIS and pro-terrorist, the source told the FBI. Among the posts was a picture of Santa Claus standing in New York with a box of dynamite.RELATED: Ex-Marine who planned Christmas Day terror attack pleads guiltyJameson met with an FBI undercover employee he believed to be associated with ISIS and described his interest in planning and undertaking a violent attack in San Francisco, the report said.Agent McKinney said James specifically mentioned Pier 39 in San Francisco because he had been there before and knew it was a densely crowded area.According to the undercover agent, Jameson said he wanted to use explosives and “funnel” people into a location where he could inflict casualties. He said he needed ammunition, powder, tubing, nails, timers, and remote detonators. Jameson planned to go to the mountains and build the devices at a remote campground, then store them at his home in Modesto, said officials.A search warrant was executed at Jameson’s Central Valley home on Dec. 20. Investigators found his will and a handwritten letter. Jameson said he did not have or need an escape plan because he was ready to die, according to the report.RELATED: Father of terror suspect details son's recent troublesJameson also voiced support for the October 31, 2017 terror attack in New York City during which a driver used his truck to kill eight people and mentioned the 2015 San Bernardino attack, the report said."Jameson put his fellow Americans at risk by supporting ISIS and planning an attack on behalf of the terrorist organization," said Assistant Attorney General for National Security John C. Demers in a statement Monday. "This is unacceptable, and I am grateful for the hardworking agents and prosecutors who are responsible for this successful result."Agent McKinney said Jameson attended basic recruit training for the U.S. Marine Corps at Camp Pendleton in 2009. He earned a ‘sharpshooter’ rifle qualification and a National Service Medal. Jameson was discharged for fraudulent enlistment due to an undisclosed history of asthma. 2767

For many, Labor Day simply signifies the end of summer and it offers a great excuse for an extended weekend.However, there’s a deeper meaning behind the national holiday, which has roots as far back as the 1880s.Labor Day is a creation of the labor movement. It’s dedicated to the social and economic achievements of American workers, the bedrock of the U.S. economy and the country's prosperity.“It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country,” according to the U.S. Department of Labor.The first Labor Day was celebrated in New York City on Sept. 5, 1882, in accordance with the plans of the Central Labor Union.As for the founder of Labor Day, there is still some doubt about who first proposed the holiday for workers.Some records show Peter J. McGuire, a co-founder of the American Federation of Labor, was the first to suggest the holiday. Meanwhile, others believe that machinist Matthew Maguire proposed the holiday in 1882 while serving as secretary of the Central Labor Union in New York.Regardless, Labor Day celebrations gained popularity and communities across the U.S. began making it a state holiday. First, Oregon passed it into law, followed by states like Colorado, Massachusetts, New Jersey and New York.By 1894, 23 more states had adopted the holiday and in June of that year, President Grover Cleveland signed a law making the first Monday of each year a national holiday.Since then, Labor Day celebrations have evolved. In the early years, Americans celebrated with street parades and festivals.“Speeches by prominent men and women were introduced later, as more emphasis was placed upon the economic and civic significance of the holiday,” the Department of Labor says.Today, the holiday is still celebrated in cities and towns across the U.S. with parades, picnics, barbecues, firework displays and more. 1928

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