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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 the national debate continues on whether school teachers should be allowed to posses firearms in classrooms, one Pennsylvania school district is moving forward with arming its teachers... with baseball bats. The Millcreek School District, which is located near Erie, announced it is arming up to 500 teachers with baseball bats in case of an active shooter, WICU-TV reported. The district said it spent ,800 on the 16-inch wooden bats. The bats are not quite the same size used in baseball games. Typical baseball bats are at least 30 inches long. The bats will be locked up, and out of the reach of students. WICU reported that the bats were handed to teachers after a day of training, which included lessons on what to do during an active shooting. "We passed them out, with the goal being we wanted every room to have one of these,” Millcreek School District Superintendent William Hall told WICU. “Unfortunately, we're in a day and age where one might need to use them to protect ourselves and our kids."Hall conceded that the bats are largely symbolic, but it gives teachers an option to fight back with. Millcreek Education Association president Jon Cacchione told WICU that he supports teachers having access to bats. "This is a tool to have in the event we have nothing else,” Cacchione told WICU. "Part of the formula now, is to fight back, and so I think the bats that were provided for the staff were symbolic of that.”Hall said that the district is considering other safety improvements to schools, including arming teachers with firearms. The district has been surveying parents on arming teachers with guns, but it is not actively planning on arming teachers.  1760

While officials in Puerto Rico placed the official death toll from last year's Hurricane Maria at 64, researchers from Harvard believe the death toll was actually in the thousands. According to Harvard's study, there were an estimated 4,645 deaths directly or indirectly tied to the hurricane, which struck the island in September. Harvard estimated a mortality rate of 14.3 deaths per 1.000 people from September 20 through December 31, 2017 in Puerto Rico. Harvard said in its study that it believes its estimate is rather conservative due to a "survivor bias."Harvard conducted the study by performing a random survey of 3,299 households in Puerto Rico. "In our survey, interruption of medical care was the primary cause of sustained high mortality rates in the months after the hurricane, a finding consistent with the widely reported disruption of health systems," the study says. "Growing numbers of persons have chronic diseases and use sophisticated pharmaceutical and mechanical support that is dependent on electricity. Chronically ill patients are particularly vulnerable to disruptions in basic utilities, which highlights the need for these patients, their communities, and their providers to have contingency plans during and after disasters."Part of why there the death toll might have been underreported is due to how hurricane-related deaths are counted. In order to have a death counted as storm related, bodies had looked at by a medical examiner, which required a body to be transported to San Juan, or the medical examiner to travel to remote locations. With a lack of electricity and blocked roads, some bodies were likely buried before the government could count fatalities. Maria is considered the third-costliest hurricane in US history.  1816

Willie Nelson's 35th annual benefit concert Farm Aid is going virtual this year.Musicians John Mellencamp, Neil Young, Dave Matthews, and others will come together on Sept. 26 at 8 p.m. ET to help raise money for farmers who face challenges amid the coronavirus pandemic.“This pandemic and so many other challenges have revealed how essential family farmers and ranchers are to the future of our planet,” said Farm Aid President and founder Willie Nelson in a press release. “Farm Aid 2020 is going to give the whole country a chance to learn about the important work of farmers and how they’re contributing to our well-being, beyond bringing us good food.”The three-hour event will be live-streamed on Farm Aid’s YouTube channel, AXS TV, and Fans.com.You can find the full line-up here. 796

While many Americans do it, taking a selfie with a completed ballot is considered a crime in most states. According to CNN, there are laws prohibiting taking or distributing photos of your ballot while at the polls in 27 states. For voters in 23 states and DC, photos from the voting booth are generally permissible. A person could be charged with a felony in Illinois and Wisconsin for taking photos at the ballot booth.While some of the 23 states have previously had laws prohibiting photography of ballots, there have been recent court rulings questioning the constitutionality of such laws. One example came during 2016 in New Hampshire. The state argued that the law was necessary to prevent ballot photography to be used as a means of voter fraud or intimidation. The plaintiffs argued that prohibiting ballot photography denied voters their free speech rights. A federal appeals court ruled 3-0 that the state had not shown that it was using the least restrictive means to achieve a compelling state interest of prohibiting voting fraud. According to the ruling, New Hampshire Secretary of State William Gardner was unable to show examples of how ballot photography led to voting fraud. "The restriction affects voters who are engaged in core political speech, an area highly protected by the First Amendment," the ruling states. "There is an increased use of social media and ballot selfies in particular in service of political speech by voters. A ban on ballot selfies would suppress a large swath of political speech."Indiana also had a law passed in 2015 that would have made ballot selfies a felony struck down by a federal judge.In Colorado, the state made it legal in 2017 to take ballot pictures. But in Alabama, Arizona, Florida, Georgia, Illinois, Iowa, Maryland, Michigan, Nevada, New Jersey, New York, North Carolina, Ohio, South Carolina, South Dakota, Tennessee, Texas and West Virginia, it is illegal to take photos at the polling place, according to CNN. In Alaska, Louisiana, Massachusets, Minnesota, Mississippi, Missouri, Oklahoma, Utah and Vermont, pictures at the ballot box are okay, but cannot include a photo of a completed ballot.  To see a state-by-state breakdown of the laws regulating ballot selfies, click here.  2343

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