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With down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181

With the surge in people buying above ground and inflatable pools, coupled with the fact that kids are spending nearly all their time at home now, the risk of drowning is up significantly.It’s the leading cause of death among young children.“A lot of that has to do with just the nature of those toddlers. They are impulsive. They are quick. They're just built to explore and they're not great at following rules or understanding limits. And for them water is a fascinating thing and if they can find it, they will, and they're going to try and get in it,” said Dr. Ben Hoffman, pediatrician with AAP Council on Injury, Violence and Poison Prevention.Hoffman says a locking fence around the entire pool can cut the risk of drowning by half. If you don’t have a fence for inflatable pools, emptying them out is best. For above ground, he suggests removing the ladder.Swim lessons also can decrease the risk of drowning. But nothing replaces the constant, within arm’s length, non-distracted adult supervision.“You have to have somebody designated as a water watcher,” said Sophia Brizeus, whose daughter drowned in pool. “Make sure they are watching the kids in the water because like I said, this can happen to anybody and it only takes a second, it only takes a second.”Brizeus started the Love Bug Foundation in memory of her daughter Soraya, who was almost 2 years old when she drowned while they were visiting with family one Sunday afternoon. The toddler just slipped away and into the pool, even with adults around.Soraya was even supposed to start swim lessons a week later.Brizeus is now educating other parents about water safety through Facebook and Instagram accounts.“What I’ve learned about the drownings is it’s not like the movies at all. It happens quick. It’s silent and a child can be with a room full of people and it still happens,” said Brizeus. 1874

Norm Pattis, Fotis Dulos' attorney, confirmed his client was arrested at his Farmington home on a murder charge. Pattis said he learned that two other people have also been charged — one with murder and another with conspiracy to commit murder.“I haven’t seen the warrant yet but it is my understanding that Mr. Dulos was just arrested and was charged with the crime of murder as to his wife, Jennifer Dulos. It is my understanding .. that arrests are simultaneously taking place and that two other individuals are being arrested," Norm Pattis, Dulos' attorney said in a 573

at a church preschool on Thursday.Police say no children or adults were injured in the shooting, which happened at Allendale Methodist Church. At least one bullet got inside the classroom, according to police.Authorities were notified shortly after 3 p.m. local time, according to a press release.Police say eight children were in the classroom where the shooting happened. They say 47 children in total attend the school.Police say the investigation is active, but the shooting appears to be random.Allendale Methodist released this statement on Facebook. 558

-- arguing that the data is too easily falsified and the indicators used irrelevant to what makes a school worthy. Then again, Forbes publishes their own college ranking list every year, too.Forbes isn't the only one against the rankings. In a 2012 opinion piece for CNN, former George Washington University President Stephen Joel Trachtenberg dismissed the rankings, saying they don't "begin to express the quality, comprehensiveness and special character of the more than 4,000 colleges and universities in the country."The rankings create a national obsession, pushing the false belief that if a student doesn't get into a select school, which is typically accompanied by a high price tag, then "life will never be worth living," Trachtenberg writes. He also discusses the ways in which schools can falsify their data, which Forbes also points out.And they're not wrong.In May, seven years after Trachtenberg wrote his piece, it was revealed that the University of Oklahoma gave "inflated" data on its alumni giving rates for twenty years, in an effort to improve their ranking. Alumni giving, an indicator used by U.S. News to detemine a school's rank, is weighted at 5%.Even before Oklahoma, Claremont McKenna College in California 1238