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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 Dan Margenau bought his new house, he found squatters making a big mess.“Footprints all over; carpet is dirty,” the new homeowner said. “They’re troublesome little creatures.”That’s right, creatures -- a family of racoons living rent free in his attic.“It’s frustrating to deal with,” Margenau said.Frustrating, costly and potentially dangerous.That’s when Margenau called Whitmore Pest and Wildlife Control.Worker Jonathan Mulder says his company has received a massive spike in calls lately. He believes the increase is linked to more people staying home due to the coronavirus pandemic.“Unfortunately, COVID happened at a time when we were already knowing that we were going to get a higher call volume,” Mulder said.Across the country, more people are seeing an increase in pest problems.In New York City, the Centers for Disease Control and Prevention issued a warning about aggressive rats starving for food scraps as restaurants shutdown during the pandemic.Down south in Hoover, Alabama, veterinarians have seen an uptick in snakes biting dogs.“Pets have kind of been couch potatoes for a long time," said Dr. Jessica Caver, medical director for Steel City Emergency Vets.She says over the past two months, her staff has seen a 40% increase of dogs bitten by snakes compared to last year.“The biggest thing that I can attribute that to right now is that a lot of people are out you know get some break from the quarantine from COVID-19,” Caver said.Back at Margenau’s house, Mulder is working to evict the unwanted visitors.He understands that there’s an unemployment problem during the pandemic, but says if you’re dealing with a pest problem, it’s best to get it taken care of immediately. If not, it could end up costing you a lot more in the long run. 1776

Whether planning necessary travel in the near term or fantasizing about vacationing in the ever-longer term, you might be curious how the coronavirus pandemic has affected airfare prices.We compared data from our points and miles valuations analysis to determine where and how airfare has changed since this time last year. We looked at the same routes, airlines and booking time frames for both 2019 and 2020, ensuring an apples-to-apples comparison.Although air travel has picked up significantly since the lows in April, the Transportation Security Administration is still reporting about 63% fewer daily screenings than this time last year. Has this drop in air travel demand led to a significant price drop?The short answer is: Yes, prices have fallen.Prices have dropped, but mostly in the short termThe average cost of a domestic round-trip ticket fell 23% in 2020, from 7 in 2019 to 4.This price drop is striking but not surprising given continued low demand. But the trend becomes stronger when breaking out the booking date data, with those made within 15 days dropping much further than bookings made six months in advance.The plot thickens.Airfare for long-term bookings has remained flat year over year. If you book a flight for six months from now, you’re likely to pay roughly the same price as you would have last year. But closer-in bookings, within 15 days, are not only far cheaper than they were in 2019 but also cheaper than long-term bookings.This turns conventional airfare-booking wisdom on its head. Usually, we would recommend booking flights as far ahead as possible to secure low fares. But booking too far in advance is now a recipe for getting fleeced.? Learn more: How to plan holiday travel for maximum flexibility in 2020What’s going on?The management of supply and pricing is usually an exquisitely orchestrated dance in which airlines ensure that every flight is filled to near capacity and every price is competitive. This usually means ramping up prices for nearly full flights at the last minute, when competition becomes stiffer.However, now that demand has dropped and airlines are actually falling over themselves to reduce flight capacity, the game has changed. Airlines are now competing with each other for last-minute bookings, which drives down prices. And they seem to be making up revenue by raising prices on longer-term bookings made by those few brave souls willing to plan in advance. In other words, it’s a buyer’s market for close-in bookings.Of course, these pricing dynamics, like everything this year, are liable to change by the week. If you’re thinking about booking a particular route, set up a price alert on Google Flights or another travel search tool and keep an eye on how the airfare winds are blowing.What do these unusual airfare trends mean for you? Keep it simple: Avoid booking months in advance, set up a price alert and try to shed the normal (and normally smart) habit of avoiding last-minute bookings.More From NerdWalletShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite Airlines(How) Should I Travel for the Holidays?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 3242

When professional team sports resume later this month, a number of MLB and NBA players have decided not to return to action.Over the weekend, pitchers Felix Hernandez and David Price became the latest MLB players top opt out for this year’s baseball season, which is slated to begin within three weeks.Hernandez said,” Never before has an entire MLB season depended so much on everyone in the league’s involvement. Let’s be responsible and keep each other safe. It’s not just for us, but for the game and our own families.”Price also cited concerns about his family on why he opted to sit out the 2020 season.“After considerable thought and discussion with my family and the Dodgers, I have decided it is in the best interest of my health and my family’s health for me to not play this season,” he said.Other professional athletes have expressed concern over the return to sports. Angels star Mike Trout has been seen wearing a mask during on-field workouts.MLS goalkeeper Matt Lampson said athletes aren’t as invincible to the coronavirus as it appears.“For everyone in the ‘These are pro athletes. There is no risk. Nothing happens to them if they get the virus camp - I am high risk,” Lampon tweeted. “And I know for a fact there are multiple others at MLS is Back that are as well - including other players on their way here. This is serious.”Other MLB players confirmed to not participate in the upcoming season include Ian Desmond, Ryan Zimmerman, Joe Ross and Nick Markakis.NBA players who have opted out include Victor Oladipo and DeAndre Jordan. With the MLB, NHL and NBA all scheduled to begin within the next four weeks, the leagues will be heavily relying on frequent COVID-19 testing in order to prevent spreading the virus to other players. 1762

When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257

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