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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

White House officials said Monday that the Trump administration is pursuing another legislative push on immigration, but when pressed said the effort would largely be the same as it has been trying unsuccessfully since last fall.The comments came in a call on Monday with reporters organized to back up a string of tweets from President Donald Trump over the weekend and into Monday pushing a hard line on immigration, sounding off on the Deferred Action for Childhood Arrivals policy, illegal immigration and Mexico.The call, held on the condition the speakers not be quoted by name, largely re-hashed the administration's talking points on immigration, calling provisions of US and international immigration law "loopholes" that human smugglers misconstrue to encourage would-be migrants to make the journey to the US. 838

When a vaccine is approved, who will get it? How will it get to them?Johns Hopkins has a plan to make front line workers and those most vulnerable first in line. Other experts say that may not be the best approach.“It may be better to immunize people who are at high risk of transmitting the virus both because of jobs, living situations and other circumstances,” said Dr. Ezekiel Emanuel while speaking with the head of the Journal of the American Medical Association. “And that I think we have to leave an open mind and look at some detailed modeling about what the best way is to reduce the premature mortality.”Emanuel says transmission between health care workers and patients is basically zero where he is. He says effective PPE use is the reason.The groups Johns Hopkins said should get a vaccine first could be as big as 90 million people.Emanuel says there won't be enough doses out of the gate to get all of any initial groups.“You don’t actually distribute it evenly among countries,” he said. “You concentrate on countries that at the moment when you have the vaccine have severe hot spots and where the vaccine is going to make the biggest difference in terms of reducing premature death.”Johns Hopkins experts say a vaccine's effectiveness is measured on preventing disease. That doesn't mean it prevents infection and transmission. We won’t know how effective it will be until after it’s in use.“A disease transmission strategy makes a lot of sense, but we need a lot more information before we can know who to prioritize,” said Dr. Eric Toner, a senior scholar at the Johns Hopkins Center for Health Security. “It’s quite possible we will go to a strategy like that.”The World Health Organization said younger people in their 20s, 30s and 40s are increasingly driving spread.The first vaccines will likely be two doses. Experts say that means double the syringes, needles, vials and other supplies, along with getting people to come back for a second dose. 1980

While active-shooter training is not new to houses of worship, the massacre this month at a Texas church has renewed attention to their vulnerability and the fine line religious leaders walk as they try to create a welcoming atmosphere that doesn't tempt a would-be shooter."One of the responsibilities I have as a pastor, as a shepherd of the church, is to protect the people, and that includes spiritually, but it also includes the physical protection," said Pastor Jack Graham of Prestonwood Baptist Church in Plano, Texas.The deadliest-ever mass shooting in Texas -- in which a gunman walked among pews at First Baptist Church in Sutherland Springs, killing 25 parishioners and an unborn child -- has become the latest in a string of attacks directed at religious institutions. 789

White House looking at stricter travel banThe Trump administration is considering a new travel ban to replace its original executive order, which has had its legality questioned and is up for a Supreme Court hearing next month, White House national security adviser H.R. McMaster said Sunday.READ MORE  315