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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

RELATED: Millennials leaving San Diego in the thousands, according to reportSan Diego was the only city in California to make the top 10 for 143

-- an average of about 205,000 per day. But on Tuesday, the airport was brought to a standstill as protesters occupied parts of the airport.Confused tourists were left unsure of what was happening as shops, restaurants and check-in counters closed. Trains and buses heading into the city were packed with people, and the one available information desk was helmed by frazzled looking staff.Some travelers were pragmatic about the delays. Hayden Smyth, a tourist from Australia, said it was a "bit of a different welcome than I'm used to."But others were frustrated by the cancellations. "We love Hong Kong but it does change our whole perspective," said Australian Kim Macaranas, whose flight was canceled Monday. "I understand the protests but this is not helping tourism."On Tuesday, Hong Kong transportation chief Frank Chan told reporters that officials are calling for people to quickly leave the airport for safety reasons."The Hong Kong airport is important for the logistic and transport industry," he said, emphasizing that about 200,000 tourists come to Hong Kong daily -- a key part of the city's economy."It is easy to lose, but it is really hard to build up the reputation."Why Hong Kong is protestingHong Kong's protest movement kicked off in earnest in June, sparked by a bill that would allow extradition to China.Since then, the protests have expanded into something bigger, with protesters now demanding greater democracy and an inquiry into alleged police brutality. The protest movement -- now entering its 10th week -- has seen protesters and police clash numerous times, with police firing multiple rounds of tear gas.Monday's mass gathering was sparked by widespread allegations of unnecessary police violence on Sunday.Beijing, meanwhile, has criticized the actions of the protesters. On Monday, a top Chinese official said the protests "had begun to show signs of terrorism." 1900

between former Vice President Joe Biden and Sen. Bernie Sanders from Arizona to Washington, D.C. amid the coronavirus pandemic.The debate was scheduled to take place at the Phoenix Convention Center. It will now take place in CNN's Washington studios.The announcement comes a day after the DNC said it would hold the debate 326

at Oslo Middle School, there are computers, and most of the basic supplies are here. But the beanbag chairs and carpet?"All the people that provided money for that project were my friends and family," Henley said.It's Henley's way of creating a home away from home."Think of it as decorating your home to make it comfortable. I want this to be my kids home," Henley said.Now in her fourth year of teaching, Henley spent 0 of her own money on things ranging from supplies to snacks, that aren't just rewards for good behavior."We made DNA models with Twizzlers," she said. "The kids like it, and we have a lot more fun that way. They're a lot more likely to learn it when we're using food and hands-on type things to learn."Henley is not alone reaching into her own pocket.A study by the National Center of Education Statistics showed 94 percent of public school teachers spent money on supplies without reimbursement. The average amount? 0.Henley turned to Twitter for help. #Clearthelists was started by a teacher in Texas as a way to get the community involved.Henley created her wish list on Amazon."It blew up a little because Royal Caribbean purchased a few items off of my list," Henley said.Beyond the teachers, many schools are starting to address the high cost of supplies for their students. This year at Oslo Middle School 'they're only asking kids to have one binder with tab dividers."They have all their assignments in one binder. it helps them to organize," Asst. Principal Chris Cummings said.This story was originally published by Jon Shainman on 1572

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