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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

WEST PALM BEACH, Fla. (AP) — Unemployment benefits for millions of Americans are set to lapse at midnight unless President Donald Trump signs an end-of-year COVID relief and spending bill that had been considered a done deal before his objections. He is demanding larger COVID relief checks for Americans and complaining about "pork" spending. But Congress has already passed the package by large margins in both houses. Failing to sign it will mean pain for those struggling to make ends meet and a potential federal government shutdown in the middle of a global pandemic. 581

When President-Elect Joe Biden and Vice President-Elect Kamala Harris take office in January, they will face a list of extraordinary challenges. The coronavirus pandemic and America's response to it will loom large. The same week our country voted for president, there were record numbers of new COVID-19 cases and hospitalizations and deaths continue to rise. Vaccines are being developed and could be ready for widespread distribution next year. There is also the financial and jobs concerns in the wake of the pandemic. Many are hoping conversations about economic relief can start up again now that results of the election are becoming clear. The jobs report from October shows unemployment is at 6.9 percent. However, this is still historically high and there are concerns it does not include people who have given up looking for work during a pandemic for various reasons.Racism and social justice issues divided the country earlier this year, leading to large demonstrations in dozens of cities. Strong emotions from both sides motivated some voters. Biden has said he also wants to focus on rejoining international organizations, including the World Health Organization, NATO, and the Paris Climate Accord. Biden has also signaled other top priorities in his first few months; including sending a bill to Congress to repeal liability protections for gun manufacturers and closing background-check loopholes, sending an immigration bill to Congress creating a pathway to citizenship for 11 million undocumented immigrants and retaining rights for “dreamers” who were brought to the United States illegally as children, and move to eliminate tax cuts passed under Trump in 2017, according to the Washington Post. In speeches, Biden has also said he wants to address systemic racism, homelessness, and restore transgender students' access to sports, bathrooms and locker rooms. 1891

William Daniels, the actor who played Mr. Feeny on the 90s sitcom "Boy Meets World," scared off a would-be burglar at his home in Southern California on Saturday evening, ABC News confirmed. The 91-year-old reported to police that he scared off the burglar by turning on lights around 9:30 p.m. on Saturday. Police believe he was not specifically targeted. "Luckily, Mr. Daniels was able to frighten away the person and the Los Angeles Police Department quickly responded," Daniels' representative said in a statement to ABC. "[He and his wife] are both well. Mr. Daniels thanks all his fans for their concern."According to TMZ, an employee of home security company ADT was seen at Daniel's home. Daniels' acting career began in 1952 at the age of 25 after graduating from Northwestern University. Daniels reprised his character of George Feeny for several episodes of the "Boy Meets World" spinoff "Girl Meets World." 946

WINTER HAVEN, Fla. — The Polk County Sheriff's Office is conducting a death investigation after an Uber driver shot and killed a man early Tuesday morning.During a news conference, Sheriff Grady Judd said that a bartender and patron at the Grove Lounge on US Hwy 27 in Dundee called for an Uber when they realized a young woman was in no condition to drive.As they waited for the Uber to arrive, the patron, Jessica, and her boyfriend, 34-year-old Jason Boek, were texting back and forth about him picking her up from the bar. When he refused, Jessica told him that she had found a ride and didn't need him to pick her up; in which he later replied after arguing with her:"I'm going to f***ing beat the f*** out of the Uber driver"Once the Uber driver, 38-year-old Robert Westlake, arrived at the bar Jessica put the intoxicated young woman in the car. Boek began following the Hyundai Elantra .thinking Jessica was inside.As the two continued on Dundee Road, Boek approached Westlake's Hyundai from behind and then abruptly passed and pulled in front of it.After jumping out of his F-250 pickup truck and approaching Westlake he yelled:"You know I have a pistol? Want me to shoot you?"Westlake, who is a concealed weapon permit holder and just finished police academy, reached into the pocket of the driver door, retrieved a handgun and shot Boek once in the chest. He then called 911 and spoke in "police lingo" and told them he had shot a man after he had threatened him. He also began lifesaving measures.Dashcam video shows moments leading up to shooting 1642

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