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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
While the calls to defund police departments continue, there are some major cities that have already had success in changing police involvement in certain scenarios.That includes programs that limit police interaction and bring in proper reinforcements in situations where mental health is a primary factor."A police officer, a paramedic and a social worker in one vehicle in response to mental health crises as one unit, so they're not waiting for the social worker to arrive or they're not waiting for the paramedic to come," said Kurtis Young, Social Work Director at Parkland Health & Hospital System.Young is talking about cooperation with Dallas police to bring specialized mental health treatment to 911 emergencies. It’s been in place since 2018.It’s critical because people with untreated mental illness are 16 times more likely to be killed during a police encounter. And at least one in four deadly law enforcement encounters involve an individual with serious mental illness.Our partners at Newsy found since January, the "right care" team has handled more than 6,000 calls. Less than 4% of those calls resulted in an arrest.Also, "quality of life" citations for things like disorderly conduct and public intoxication have dropped.The program is an alternative to policing, but at the same time, Young says it doesn't work without police.“We are a partnership with the police department,” he said. “And that's such an integral piece of it that we're not just social workers out there going house to house and taking 911 calls ourselves, you know. We have been folded into the system and very much welcomed by the police department."A similar program in Eugene, Oregon, has been around for more than 30 years and responds to about 24,000 calls annually.The CAHOOTS co-response team says it has never had a “serious injury or death that their team was responsible for.” 1891
WEST POINT, N.Y. (AP) — More than 70 West Point cadets have been accused of cheating on a math exam taken online when they were studying remotely because of the coronavirus pandemic.A spokesman at the U.S. Military Academy says 55 cadets admitted cheating on the calculus exam in May. Most of them have been enrolled in a rehabilitation program and will be on probation for the rest of their time at West Point.The cheating came to light when instructors saw irregularities while grading the exam. One of the students was a sophomore, and the 72 others were freshmen in a class of 1,200 West Point cadets.According to the Associated Press, once an honors committee completed their investigation into the matter, two cases were dropped due to lack of evidence, four cases were dropped after cadets resigned, and three cadets admitted to cheating but aren't eligible for the rehab program.Several over cadets will face hearings with the administration to see if they will be penalized or expelled, the AP reported.According to the AP, the only other cheating scandal to occur at West Point happened in 1976 when 153 cadets were expelled or resigned for cheating on an electrical engineering exam.More than 90 of those caught cheating in 1976 were reinstated and allowed to graduate, the AP reported. 1305
White House press secretary Sarah Sanders on Tuesday defended President Donald Trump's silence on allegations leveled against him by porn star Stormy Daniels, maintaining that while the President is a "counter-puncher," he doesn't necessarily punch back at every story.Daniels, whose legal name is Stephanie Clifford, has saturated the news in recent days, after Anderson Cooper interviewed her over her alleged affair with Trump on CBS' "60 Minutes." Trump so far declined to respond to her on Twitter or otherwise, a rarity for a President who rarely holds back.Sanders said even though she has previously described Trump as a "counter-puncher," she didn't say he "punches back on every single topic.""If he did he would probably be addressing a lot of the stories that most of you write every single minute of every single day," Sanders told reporters. "He also has a country to run. And he is doing a great job with that. ... Sometimes he chooses to specifically engage and punch back and sometimes he doesn't."Trump's terse Twitter persona has targeted everyone from Rosie O'Donnell and the cast of Hamilton to his political enemies and one-time friends. But the President has been advised that lashing out on the Daniels story will only make it worse, a tact he is also taking with Karen McDougal, a former Playboy model who recently recounted in a CNN interview the details of what she alleges was a lengthy affair with the then-businessman.Trump has denied both women's claims.Daniels, in her interview with 60 Minutes, alleged that shortly after she tried to sell her story about her alleged affair with the now-President, a man approached her in the parking lot of a fitness center."And a guy walked up on me and said to me, 'Leave Trump alone. Forget the story,' " Daniels said. "And then he leaned around and looked at my daughter and said, 'That's a beautiful little girl. It'd be a shame if something happened to her mom.' And then he was gone."Daniels, as part of a hush agreement, was paid 0,000 by Trump's longtime personal lawyer Michael Cohen days before the 2016 election. Daniels said she was risking a million fine for potentially violating her nondisclosure agreement "because it was very important to me to be able to defend myself."Sanders once again denied the allegations leveled by Daniels, but declined to get into the details of the porn star's allegations or the payoff she received."That is a question you would have to ask the President's attorney," Sanders said. "I certainly cannot speak for him. I can only speak on behalf of the White House."Pushed on the matter, Sanders stood her ground and declined to comment."The President has denied the allegations," Sanders said. "Anything beyond that I would refer you to the outside counsel and his attorney." 2823
With NFL preseason games scheduled to be held next month, several outlets are reporting that the NFL will reduce the number of preseason games teams play from four to two.Pro Football Talk and ESPN reported the change Wednesday afternoon, but the league has not made an official announcement.Pro Football Talk said that the league decided to eliminate Week Nos. 1 and 4 of the preseason. The report says that in addition to teams not wanting to travel large numbers of personnel amid a pandemic, with a lack of offseason workouts, coaches indicated a preference to hold extra practices instead of preparing for exhibitions.The length of the preseason has been considered too long by some in the past, as most teams opt to play reserves for the fourth and final game of the preseason. But the loss of a preseason home game could result in a decrease in revenue for teams.It remains unclear if teams will be allowed to welcome fans in stadiums this fall. 960