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Mortgage insurance premiums required: 1.75% upfront and monthly premiums that vary with your loan term, loan amount and down payment, from 0.45% to 1.05% 156

“Because he was less than 5% chance of survival,” Robert said. Two and a half years ago, Robert's son Brian was in a hotel room with his mom in northern Michigan as his dad fought for custody. She is now in prison because as she used butane hash oil to process marijuana, she caused an explosion, burning 85% of her son’s body.Burn units at hospitals around Michigan said his injuries were too severe. Robert says they didn’t want to admit him and recommended the family just work to ease Brian’s pain. The Shriners Hospital for Children in Boston, however, thought he had a chance, and saved his life. “He is an inspiration," Robert said. "He just had surgery on Friday and he is already off the pain medications."Because Brian has a tracheostomy, he needs his dad with him around the clock in case he has trouble breathing. His father has had to put his career on hold. “The only priority I am focused on is my son’s airway," Robert said. "Right now, my roof is leaking. My kitchen ceiling collapsed. All this crazy stuff is going on. None of that even matters." “That is the size of my actual airway,” said Brian, pointing to an image of his airway. “It's usually that big and it is smaller than a pencil head.”Shriners Hospitals for Children-Boston has covered all of his care, but says it needs to bring in an outside expert that would cost about 0,000 to give him a surgery that would open his airway. If he doesn’t get the operation, scar tissue could close it completely at any time. That would permanently take away his ability to speak. Brian's insurance company was asked to cover that. However, Molina Healthcare repeatedly denied coverage, advising the family there are doctors who can do the procedure in Michigan and in network. 1749

At 8 years old, the cat ended up at the Baltimore Animal Rescue and Care Shelter, or BARCS, and was diagnosed with hyperthyroidism, which stopped her from being adoptable.Laura Cassiday with Chesapeake Cats and Dogs rescued her and got her thyroid under control, but she found multiple mammary masses during her spay, and things took another downward turn.But Walnut is a fighter and a survivor. She recently underwent a bilateral mastectomy to remove the cancer from her body and prevent it from spreading. She’s not out of the woods yet, and her cancer could always come back, which is why she’s looking for someone who understands what she’s been through."She takes an inexpensive (about a month) pill twice a day to keep her thyroid in check. She’ll eat it right out of her food, no issues! She is an affectionate lap cat and would love nothing more than cuddling the day away with you ... to go through so much and then receive a cancer diagnosis on top of it all would be devastating to almost anyone," Cassiday said. "Walnut has taken it in stride, appreciating every day and living her life to the fullest."Walnut is located in Baltimore and her adoption fee is waived to a fellow cancer survivor."She thinks it would be great to have a partner in life who understands her, so they can cheer each other on ... she’s already unstoppable — imagine how the two of you would be together!" Cassiday added.Cassiday said Walnut would be best as the only animal in her forever home and would do OK with older kids. To learn more about adopting Walnut, 1558

in response to COVID-19 in the United States.Romney's proposed measures were listed in a news release issued Monday morning:Provide Economic Stability for Working Americans:Immediately Send ,000 Checks to Each American: Every American adult should immediately receive ,000 to help ensure families and workers can meet their short-term obligations and increase spending in the economy. Congress took similar action during the 2001 and 2008 recessions. While expansions of paid leave, unemployment insurance, and SNAP benefits are crucial, the check will help fill the gaps for Americans that may not quickly navigate different government options. Provide Grants to Impacted Small Businesses: Provide bridge grants from the SBA to qualified small businesses that apply but don’t receive Economic Injury Disaster Loans. This program would ensure small businesses can meet short-term obligations, such as payroll and rent, without forcing them into future bankruptcies. An eligible small businesses must exhibit a revenue loss greater than 50% from the same month in the prior year. The program will also include criminal penalties for fraud and an audit by the SBA’s Inspector General to ensure compliance.Ease Financial Burden for Students Allow “Unexpected Costs Due to COVID-19” as Factor for Pell Grant Amount: To ease the burden on some students who had to make unexpected travel, housing, and storage purchases due to the COVID-19 outbreak, we should amend the Higher Education Act’s “Cost of Attendance” to take into account such costs. Doing this will impact the Pell Grant award amounts and more accurately reflect the current reality for students. Loan Deferment for Recent Graduates Impacted by COVID-19: Defer the payment of student loans for a period of time to ease the burden of those who are just graduating now, in an economy suffering because of the COVID-19 outbreak.Improve Telehealth Services for Health Workers and Patients: Require Insurance Plans to Temporarily Cover Telehealth: To protect the health workforce and connect patients with providers, require all private insurance companies (individual, small- and large-group, and self-insured market) to cover telehealth services, if the reason for using telehealth services is related to COVID-19. The federal government would reimburse private plans for the full cost of services."“The House coronavirus response package contains critical measures to help families in Utah and across the nation in the midst of the coronavirus outbreak, and the Senate should act swiftly on this legislation," Romney said in the news release. “We also urgently need to build on this legislation with additional action to help families and small businesses meet their short-term financial obligations, ease the financial burden on students entering the workforce, and protect health workers on the front lines and their patients by improving telehealth services. I will be pushing these measures as Senate discussions continue about an additional relief package.” 3028

????Alert ????We received reports that an unknown party is purposefully spreading misinformation via robocalls in Flint in an attempt to confuse voters there. I want to ensure everyone who plans to vote in person understands you *must be in line to do so by 8 p.m. today.* (1/3)— Jocelyn Benson (@JocelynBenson) November 3, 2020 336