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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

WILMINGTON, Del. – President-elect Joe Biden addressed the nation Friday about the November jobs report that shows American companies are hiring at a slower pace as COVID-19 cases spike across the country.The report released by the Department of Labor Friday shows that the unemployment rate fell slightly to a still-high 6.7%. However, the gain of 245,000 jobs last month was the fewest added since the spring, when the pandemic and widespread quarantines forced mass layoffs.Biden started his remarks by calling the jobs report “grim.” He said it showed an economy that’s stalling and we’re in one of the worst economic job crises in modern history. However, he said it doesn’t have to stay that way.“If we act now, now I mean, now, we begin to regain momentum and start to build back a better future,” said Biden. “There’s no time to lose. Millions of people have lost their jobs or had their hours slashed. They’ve lost their health insurance or are in danger of losing their health insurance.”Biden said it’s deeply troubling that last month’s drop in unemployment was driven by people who are dropping out of the job market.“They’ve lost hope of finding a job or they’ve taken full-time caregiving responsibilities as child centers remain closed and their children learn remotely,” he said.Biden listed many sobering statistics that show how much Americans need relief during this crisis.“One in every six renters is behind in rent. One in every four small businesses can’t keep their doors open. And there’s a growing gap in Black and Latino unemployment, and the gab remains much too large,” said Biden.As he doesn’t take office until the end of January, Biden is calling on President Donald Trump and the current Congress to act in the interest of the American people now.“If Congress and President Trump fail to act by the end of December, 12 million Americans will lose their unemployment benefits they rely on,” said Biden. “Merry Christmas. The unemployment benefits allowing them to keep food on the table, to keep the lights on, and the heat on, pay their bills.”If lawmakers don’t act, Biden pointed out that emergency paid leave will end, the moratorium on evictions will expire, and states will lose the vital tools they need to pay for COVID-19 testing and public health.“If we don’t act now, the future will be very bleak,” said Biden.Biden did say he was encouraged by the bipartisan 8 billion relief plan that was proposed this week, but said more aid will be needed throughout 2021 in order to get the country back on track. The latest relief plan doesn’t include ,200 stimulus checks for Americans, but Biden said he’s not convinced it won’t be part of the bill in the end and added that it’s “still in play.”Biden also called for funding for COVID-19 vaccines and testing as the U.S. finds itself in its most perilous point in the COVID-19 pandemic to date.“We need to ramp up testing to allow our schools and businesses to operate safely. The sooner we pass the funding, the sooner we turn the corner on COVID-19,” said Biden.On Thursday, Johns Hopkins said that the U.S. reported record numbers of new COVID-19 deaths and infections. Since Halloween, more than 5 million Americans have contracted COVID-19 — a number that represents about 36% of all cases recorded since the pandemic began.Biden's remarks come days after he announced his picks for key economic positions in his incoming administration. Among them is former Fed chairwoman Janet Yellen, who Biden has tapped to run the Treasury Department. Yellen, a Keynesian economist who is not afraid to allow the government to intervene in the free market, will be tasked with working with Congress to get stimulus packages passed.Biden is also expected to announce his picks for key public health positions in the coming days. On Thursday, Biden said in an interview with CNN that he has asked Dr. Anthony Fauci to remain in his role as the head of the National Institute for Allergies and Infectious Diseases and asked him to be a chief medical adviser to his White House.At the end of his remarks, Biden took some questions from reporters. One asked for Biden’s reaction to those saying his Cabinet picks so far haven’t been diverse enough. He responded by saying his cabinet will be the “single most diverse cabinet” in U.S. history. 4332

WEST PORTSMOUTH, Ohio - In Ohio, a dad turned an awkward silence into a beautiful moment when he belted out the national anthem at a high school basketball game after the sound system failed.The moment captured on video took place before the Waverly Tigers were to take on the Portsmouth West Senators Friday night.According to CNN, the pregame rituals started as usual, with everyone standing before playing the national anthem, but then, silence.The sound system was experiencing technical difficulties.That's when Trenton Brown began to belt out "The Star-Spangled Banner" at the encouragement of his wife, with no musical backup or a microphone.After he was done singing, Brown sat down and started eating his popcorn, CNN reported.Johnny Futhey, another parent who was at the game, captured the moment and posted it on his Facebook page, where it quickly went viral.Futhey said the performance brought tears to people's eyes.Brown told CNN that he's been singing most of his life but has never performed the national anthem solo. 1042

When scrolling through your Instagram feed, there's a good chance you've seen photos of friends posing in front of giant works of art on the sides of buildings. These colorful murals are a great way for an artist to make a name for themselves. But beyond that, the murals can be great for a neighborhood and its businesses.Tracy Weil is midway through his latest project: a 125-foot long mural in Denver’s River North Arts District.Murals like Weil’s do more for a neighborhood than add a splash of color to an otherwise dull brick wall."It can really kind of give an identity to a neighborhood, which I think is pretty fantastic,” says Weil. “If there’s not a lot of people there, not a lot of restaurants, what the murals do is they start to draw people. And they start to draw business."That’s exactly why the events center and nightclub behind the freshly-painted wall hires artists like Weil."I think it’s a great way to bring attention, to not just your specific business maybe, but to a neighborhood, to a region," says Andrew Feinstein, owner of EXDO Events Center and Tracks nightclub. “Regardless of what murals cost, it’s absolutely the right investment."And it’s an investment that's paying off, particularly when it comes to presence on social media. John Beldock, owner of a local motorsport store and body shop, says their mural of Evel Knievel has seen its share of Instagram tags."Branding-wise, it really adds to what people think about us," says Beldock.“It’s exiting to be a part of it; it makes a great selfie or Facebook profile pic or Instagram post,” says Weil. “And people really get into it.” 1631

When Jeff Hill returned to his neighborhood in Paradise, California, after evacuating during the Camp fire, he came across a wayward horse -- in a backyard swimming pool. The horse appeared to have jumped in to escape the flames, and was caught in the pool cover.He had been checking on a neighbor's house to see if it was still standing when he discovered the horse, Hill wrote in a Facebook post."We scrambled to unhook the pool cover and pulled her to the shallow end where we guided her up the steps." The horse got out, shook off, and "loved on us for a few minutes as a thank you, and walked off," he wrote.Hill called for help, and waited with the horse until resources could escort the horse out from the fire zone.As wildfires raged in different parts of California, residents were forced to evacuate -- some without getting the chance to go home and grab their four-legged friends.Searchers combing through the charred areas have rescued hundreds of animals -- including dogs, cats, horses, donkeys, ducks, and a tortoise.Now, community organizations and good Samaritans are rallying to shelter the displaced animals and reunite them with their owners. 1170