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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 fans are not allowed to attend any MLB games in the shortened 2020 season, the Oakland Athletics came up with a brilliant way to "bring in" fans.The team unveiled its "Coliseum Cutouts" program, where A's fans will get a chance to display the cardboard cutout of themselves during games.The team's staff will try to fill the stands with the cutouts. Prices range from to 9 for each cutout. If a cutout in the program's foul ball zone gets hit with a foul ball, the A's will send the ball to that fan.Proceeds from this program will benefit the team's charity partners.With every purchase of a cutout, the fan will also receive two complimentary tickets to the A's first exhibition game at the Coliseum during the 2021 season. WFTS' KJ Hiramoto first reported this story. 794

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

White House press secretary Sarah Sanders maintained Wednesday that President Donald Trump "did nothing wrong" relating to the hush money payments made to women who claimed affairs with him during the 2016 campaign."As the President has said and we've stated many times, he did nothing wrong. There are no charges against him and we've commented on it extensively," Sanders said. "Just because Michael Cohen made a plea deal, doesn't implicate the President on anything."Sanders declined to answer additional questions about what the President knew about the payments and when he knew it.Asked whether the President has lied to the American people, Sanders called the accusation "ridiculous.""I think that's a ridiculous accusation. The President, in this matter, has done nothing wrong and there have been no charges filed against him," she said.She responded to inquiries about the President's tweets about Cohen from earlier in the day, in which he said Cohen "broke" and recommended no one use Cohen as a lawyer, saying, "The President has expressed his views on that, I don't have anything further to add."Asked whether Trump would pardon Paul Manafort, Sanders sought to distance the former campaign chairman from the President."The Manafort case doesn't have anything to do with the President, it doesn't have anything to do with his campaign, doesn't have anything to do with the White House," Sanders said.She added that she was "not aware" of any conversations regarding a Manafort pardon beyond when the President was asked about it last week. 1562

Winning nearly billion might cause some to be tempted to buy a fancy car or a huge mansion, but what if you could buy an entire professional sports franchise?If you hit the jackpot on Friday, that would be theoretically possible. The jackpot for Friday's Mega Millions is a lottery-record 0 million. As tickets are purchased, that jackpot figure could rise to close, if not more than, billion by Friday night's drawing. Assuming you did not have to pay taxes, what would 0 million get you in the professional sports world? According to Forbes, if you're looking for an NFL team, forget about it. The least valuable franchise in the NFL is the Buffalo Bills, which is worth .6 billion. Despite lackluster attendance in a small market, Buffalo, and similar markets such as Cleveland, Cincinnati and Tampa Bay benefit from revenue sharing and the league's hefty television rights package. It is a similar situation in the NBA, which has a valuable worldwide television audience. If Mega Millions climbs to billion, that would be just enough to purchase the New Orleans Pelicans. Despite their lack of recent success, the New York Knicks and the Los Angeles Lakers are the two most valuable franchises, according to Forbes. The Knicks are worth .6 billion, and the Lakers are valued at .3 billion. If you're looking to purchase a baseball franchise, your options are limited. The only team worth less than billion is Tampa Bay, which was valued by Forbes at 0 million. Six other teams are worth at or just above billion. In the NHL, you could afford to be picky. Out of 31 NHL teams, only four are worth more than billion. So unless you were hoping to purchase the Rangers, Maple Leafs, Canadiens or Blackhawks, you're in luck. NHL teams are valued less than NFL, MLB and NBA franchises due to its reliance on ticket sales and merchandise on revenues. Buying a soccer franchise in the US is a little more complicated. Although the most valuable team in the MLS is the Los Angeles Galaxy at 0 million, the league is considered a single entity. Instead of having individual owners, it has operator-investors. So theoretically you could purchase the rights to operate any MLS franchise you would like, the MLS technically would own the franchise. Of course one factor not considered is federal and state taxes, which would likely decrease winnings. But even in that case, purchasing an NHL or operating an MLS team is not impossible.  2531

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