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With an FHA loan, if you put less than 10% down, you’ll pay 1.75% of the loan amount upfront and make monthly mortgage insurance payments for the life of the loan. With a down payment of 10% or more (that is, a loan-to-value of 90% or better), the premiums will end after 11 years. 291

With about 150 million tons of plastic in the world's oceans -- and that number expected to triple in the next decade -- this type of trash disposal has real implications for climate change, the safety of sea life and industries such as fishing and tourism. It can also affect our health if plastic ends up in the food we eat."That plastic is still going to be there in one year. It's still going to be there in ten years," said 24-year-old Ocean Cleanup founder and CEO Boyan Slat. "It's probably still going to be there in 100 years, so really only if we go out there and clean it up this amount of plastic is going to go down."The trash collects in the middle of the U-shaped pipe until a garbage boat comes to collect it. The device has satellite pods that communicate with the company's headquarters in the Netherlands and other boats to share its location. It's controlled remotely and has two cameras located in the center.The Ocean Cleanup team has been researching and testing the pipe for the past five years. In 2013, the project raised over million through crowdfunding and has since raised over million.The group hopes the pipe will collect 50 tons of trash by April 2019 and clean 90% of the world's ocean plastic by the year 2040.But some experts question whether how much a system like this can be a real impact on such large oceans. It's also faced criticism for its inability to capture small pieces of debris and the possibility of some sea life getting trapped inside. Some critics also worry if the device could break down, whether due to malfunction or storms, and create even more ocean garbage.Eben Schwartz, the marine debris program manager at the California Coastal Commission, said his main concern is the percentage of plastic that floats and could be collected this way is too small to make a difference. He believes focusing on trash reduction with land-based efforts will be more effective."It's much more effective from a cost and prevention effort to stop trash from entering in the first place," Schwartz said.Schwartz added that his water and beach cleanup volunteer group collected between 7 and 10 times the amount of trash Ocean Cleanup wants to capture by spring 2019."We did it in three hours and for a fraction of the cost of The Ocean Cleanup's project."Although Schwartz said that cleaning up the oceans is important, he believes the attention around the project could curb other efforts to reduce waste."If this makes people feel like they don't need to worry about recycling because this thing is out there, that's a serious negative consequence," he said.The need to clean up our oceans is getting attention beyond this project. Last week, President Donald Trump signed the Save Our Seas Act, which aims to help clean ocean waste by extending its own ocean cleanup initiative, the Marine Debris Program, for five more years.It may not be the only effort around, but Slat believes his pipe will make a big difference."Back in the day people said, 'Well, there's no way to clean this up. The best thing we could do is not make it worse,'" Slat said. "But to me that's a very uninspiring message. Everyone wants the future to be better than the present, and that's what we hope to achieve." 3241

WSB-TV reported that the woman stopped Corey Lewis outside a Cobb County Walmart and asked to speak to the kids. He refused, so she called police and followed them to his home. 176

While the latch may break off while being used (for example, when the door is opened), the potential risk for the door opening while driving cannot be excluded. That includes the possibility of the door opening while reversing or turning a corner. If there is an unbelted occupant and the door opens, the occupant may be injured. 329

While firefighters made headway on containing the fires Saturday, the return of powerful winds a day later threatened that progress, particularly for the Woolsey Fire in Southern California."Sadly, with these winds, it's not over yet," Scott Jalbert, chief of Cal Fire's San Luis Obispo Unit, told reporters at a news conference. He said the gusts have officials "very concerned."Officials previously warned gusts would peak at around 40 mph, which could affect the viability of using aircraft to combat the fires. 514

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