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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 millions of Americans tuned in to watch the first presidential debate between President Donald Trump and Democratic presidential nominee Joe Biden, data shows the event will likely not impact the final outcome of the election.The first of three presidential debates was held Tuesday night in Cleveland, Ohio.NewsChannel 5 Political Analyst Pat Nolan said the first debate always brings high stakes for the candidates and high interest from voters."This is probably the biggest opportunity for both candidates to get in front of voters and convince them they are the right person," said Nolan.While people tuned in to hear what both candidates had to say, Nolan said polls show the debate ultimately won't sway voters."I think people have decided, I like Donald Trump and I will vote for him, or I like Joe Biden, I will vote for Joe Biden and they won’t change their minds," said Nolan.The debate was held in Ohio, which is considered a swing state. Nolan said while the number of undecided voters may be smaller in the current polarizing political climate, winning those votes matters and can make a difference in swing states.While both President Trump and Biden presented their plans for the country and tried to energize supporters, Nolan said many were watching for a viral moment that could make or break either candidate."It's like any big event, when you are up on the stage and the bright lights are out there, anyone can make a mistake."There are still two more debates coming up in October. The second presidential debate will be Oct. 15 in Miami, and the final debate will be Oct. 22 at Belmont University in Nashville.This story was first reported by Emily Luxen at WTVF in Nashville, Tennessee. 1722

With a total of six adopted and foster children, Keri Penland’s family is an exercise in planning and patience.“Trying to do school with them has been insane,” she said.All of her kids are school-aged; some have learning disabilities. When the coronavirus pandemic hit, they--along with tens of millions of other students across the country--became part of a nationwide experiment in remote learning.Her verdict?“I don't know how anybody is doing this, to be honest,” Penland said. “It's not possible.”And it turns out, she's not alone.“We found that remote learning is really failing our most vulnerable learners,” said Justin Ruben, who is with the nonprofit “ParentsTogether.” The group recently conducted a survey of more than 1,500 families across the country to see how remote learning was going.Among the findings:When compared to a family making 0,000 a year, lower-income families--making ,000 or less-- are ten times more likely to have children doing little to no remote learning.Those families are also five times more likely to attend a school not offering distance learning materials at all and 13 percent of them didn’t even have a computer device or internet access.Yet, the numbers were even worse for families of children with special needs, who usually get individualized support at school. Out of those families, 40 percent said that with remote learning, they were receiving no support at all.“A huge chunk of students are being left behind by remote learning,” Ruben said.ParentsTogether wants the federal government to step in with 5 billion more in funding for education, especially since the coronavirus pandemic slashed tax revenues for local and state budgets and, in turn, education programs.“Schools are making budgets right now and kids are falling behind right now, and schools are making plans for the fall right now,” Ruben said. “And so, there's this surreal lack of urgency in Washington, D.C., and there’s literally like a whole generation of vulnerable kids is being allowed to languish.”Back at Penland’s house, it’s been an unusual ending to the school year.“I'll tell you, if school doesn't start again, the kids are gonna be way, way behind,” she said. “It's a different time than we've ever experienced.”Given everything that happened with schools and the pandemic, experts have some suggestions for how to keep kids engaged and learning over the summer.Keep some semblance of structure. A visual schedule that everyone can see will help and make it easier for you and your kids to get back into the swing of things when summer ends.Read to your children or encourage them to read, write or draw--anything that engages their minds, as long as it does not involve a computer or phone screen.Outdoor hikes, walks or scavenger hunts can help kids get exercise and keep them engaged in discovering new things.Make sure your kids get enough sleep and proper nutrition, to keep them in top shape and ready for when it’s time to return to school. 2998

While negotiations continue between Megyn Kelly and NBC, the network announced on Friday that her 9 a.m. talk show has been canceled."Megyn Kelly Today is not returning," the network said in a statement. "Next week, the 9 a.m. hour will be hosted by other 'Today' co-anchors."Her exit from NBC News is not official yet. But it will be soon. It's a foregone conclusion among all the players involved, multiple sources said Thursday.Kelly's newly-hired attorney Bryan Freedman reacted to Friday's NBC announcement with a statement of his own."Megyn remains an employee of NBC News and discussions about next steps are continuing," Freedman said. 651

White House chief of staff John Kelly says he will "absolutely not" apologize for his comments on Rep. Frederica Wilson, adding that he stands by his comments.President Donald Trump and the Florida Democratic congresswoman publicly fought over each of their accounts of the conversation the President had with the widow of a slain soldier. Following Wilson's criticism, Kelly had spoken in defense of Trump at the White House press briefing, where he also recounted his own experience from when his own son was killed in action.When defending Trump in the wake of the feud, Kelly claimed Wilson had boasted of securing " million" in federal funding to build a new FBI field office in Miami during the dedication ceremony for the building in 2015. He also called the congresswoman an empty barrel, saying her remarks focused more on her own actions than the heroism of the two FBI agents for whom the new building had been named. 939