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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

When students normally head back to school, they're greeted with new teachers, classmates, and a new school picture. But professional school photos are either delayed or looking a little different this year because of the pandemic."It's very different. One of the things is we had a lot of schools that hadn't even started back yet, but a lot that have come back have pushed back their start date," explained Erin Middleton, the manager of operations for BPI Photography in Georgia.Middleton says their company is working closely with schools to safely photograph students who are back in-person in the classroom and accommodate those who aren't. BPI Photography says it first works with schools--with social distancing and masks in mind--to take photos of students who are at the school."Then, we actually create a report that is a not-photographed report, and on that not-photographed report would be your students that are face-to-face that didn’t make it on the original picture day,” Middleton explained. “But we also are capturing our virtual students on the absentee day which is like a make-up or retake day.”Middeton says sometimes the photos for virtual students take place after school hours. The company says they are doing everything they can to accommodate schools and families during this unprecedented time. A time some people are wanting to remember in their school picture. That means students and faculty taking their pictures while wearing a mask.For families who are feeling a little lost at this time, Shutterfly and Lifetouch are offering a 2020 School Picture Day guide on their website, plus a new feature for students who are remote learning from home."What we wanted to do in this crazy year of COVID is be able to provide some options for parents and we are photographing at lots of schools around the US but also where picture day isn’t taking place,” said Stephanie Schmid, vice president of marketing and merchandising for Lifetouch. “We wanted to provide a really flexible option for families and meet them where they are, and oftentimes, that's in their living room or their kitchen."Lifetouch launched a new feature through Shutterfly's app, where parents can upload a photo of their child and choose a professional background that they'd normally see in school photos. This allows them to order a school photo that looks just like the one they'd have taken at school."We know families like to have a collection, so you have that child and you want that kindergarten through 8th grade collection and sometimes families order the same background every year. What we did is we offered blue, which is the iconic Lifetouch Picture Day background along with a number of other best sellers so that families can continue their collection and not miss a beat even with a year like this, with COVID-19," said Schmid.Capturing the smiles on children's faces, even if they've had a rocky start to the school year. 2944

Whataburger is getting into the game with its own spicy chicken sandwich.The San-Antonio based fast-food chain introduced the sandwich last week.“At Whataburger, we’ve spent time meticulously crafting the Spicy Chicken Sandwich recipe – and it shows with each bite. It packs a delicious blend of marinated, crispy chicken that’s spicy from within and is paired with fresh veggies, cool, crisp lettuce, tomatoes, pickles, and mayo,” said Whataburger Vice President of Marketing and Innovation Rich Scheffler in the press release. “We can’t wait for our guests to enjoy this extremely flavorful new, limited-time sandwich.”Whataburger said the new item is available for a limited time only at all 840 locations. 717

When President-Elect Joe Biden and Vice President-Elect Kamala Harris take office in January, they will face a list of extraordinary challenges. The coronavirus pandemic and America's response to it will loom large. The same week our country voted for president, there were record numbers of new COVID-19 cases and hospitalizations and deaths continue to rise. Vaccines are being developed and could be ready for widespread distribution next year. There is also the financial and jobs concerns in the wake of the pandemic. Many are hoping conversations about economic relief can start up again now that results of the election are becoming clear. The jobs report from October shows unemployment is at 6.9 percent. However, this is still historically high and there are concerns it does not include people who have given up looking for work during a pandemic for various reasons.Racism and social justice issues divided the country earlier this year, leading to large demonstrations in dozens of cities. Strong emotions from both sides motivated some voters. Biden has said he also wants to focus on rejoining international organizations, including the World Health Organization, NATO, and the Paris Climate Accord. Biden has also signaled other top priorities in his first few months; including sending a bill to Congress to repeal liability protections for gun manufacturers and closing background-check loopholes, sending an immigration bill to Congress creating a pathway to citizenship for 11 million undocumented immigrants and retaining rights for “dreamers” who were brought to the United States illegally as children, and move to eliminate tax cuts passed under Trump in 2017, according to the Washington Post. In speeches, Biden has also said he wants to address systemic racism, homelessness, and restore transgender students' access to sports, bathrooms and locker rooms. 1891

When he was a US attorney in Florida, Labor Secretary Alexander Acosta gave accused pedophile Jeffrey Epstein the "deal of a lifetime," the Miami Herald reported Wednesday.In a sweeping review of the politically connected multimillionaire's case, the Herald explained how Acosta made an agreement with Epstein to avoid major repercussions for the hedge fund manager, even though a federal investigation identified 36 underage victims.The report said Acosta forged a deal with one of Epstein's attorneys where he pleaded to two state prostitution charges, ultimately serving only 13 months and avoiding a federal trial. The agreement, the Herald said, "essentially shut down an ongoing FBI probe" and further granted immunity to "any potential co-conspirators" in the case.Epstein also registered as a sex offender and paid restitution to the victims identified by the FBI.The paper said it learned that Epstein provided information to federal investigators, but did not detail what the information was. It did note, however, that the Epstein case occurred around the same time as the economic crisis of 2008 and that records showed Epstein was a witness in the prosecution of executives at the failed investment bank Bear Stearns.The Herald said neither Epstein nor his attorney Jack Goldberger responded to its requests for comment. CNN has also reached out to Goldberger for comment.Eric Holland, a spokesperson for the Department of Labor, said in an emailed response to the report that "this matter has been publicly addressed previously, including during confirmation hearings.""The US Attorney's Office for the Southern District of Florida has defended the actions in this case across three administrations, and the US Attorney's Office for the Southern District of Florida is the appropriate office for your inquiry," Holland said.Sarah Schall, a spokesperson for the Southern District of Florida, told CNN the office declined to comment.The Herald said it found about 80 women Epstein allegedly molested or sexually abused over a five-year period, and the report charged that even Epstein's state prison time was lax, being housed in a private wing at the Palm Beach County jail and allowed work release privileges.Epstein was friends with President Donald Trump and former President Bill Clinton, and his legal team included Alan Dershowitz and Kenneth Starr, the report noted.Trump nominated Acosta to lead the Department of Labor last year after his first choice, Andrew Puzder, withdrew himself from contention.Acosta defended his handling of the Epstein case during his confirmation hearing."At the end of the day, based on the evidence, professionals within a prosecutor's office decide that a plea -- that guarantees that someone goes to jail, that guarantees that someone register generally and that guarantees other outcomes -- is a good thing," he said last year.The report noted a pair of lawsuits await further action in the courts, and in one, the Herald said, women argue Acosta and other federal prosecutors broke the law in their handling of the case.The-CNN-Wire 3095

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