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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

When natural disasters like hurricanes and wildfires hit, many who live dangerously close to the devastation are told to evacuate. Truck drivers who are delivering important shipments to those areas, don't have that luxury."In 2012, when I just got my CDL, I actually did relief supply for the hurricane that hit New York and New Jersey. I was teaming [with another driver], I was training and it hit. They asked me to stay on for another month," said Wayne Cragg, an experienced truck driver who owns and drives his own big rig and delivers shipments all over the country for various companies. Cragg has delivered supplies in the middle of and in the aftermath of countless natural disasters, including Hurricane Sandy. Often times, truck drivers are bringing necessary equipment or supplies, but in order to get them there, they have to take their own safety precautions so they don't end up victims themselves."When I did a run into New Jersey that hit pretty hard, when I first got there that first week they still had standing water when we had to back in [to the dock]," said Cragg.Cragg ensures he has three major supplies when heading to the scene of a natural disaster. "F.F.W. - fuel, food and water. It's huge, especially the fuel. A lot of other things you might be able to get off of other people, but fill up. One tanker full for our trucks, we can go a long time when you fuel up and you never know what's going to happen," said Cragg.Pilot Flying J, a national chain of truck travel centers, provides fuel, food, showers and other amenities for truck drivers when they're on the road. "As you track the weather, we all got a little lucky in terms of it. It took a little jog to the right. We had six stores down for a period of time but again, we recognize that we have amazing team members that work around the clock to get us up and running," said Pilot Flying J's Chief Operator, Jason Nordin. Nordin says they had to shut down two locations in Texas and four in Louisiana during Hurricane Laura. Their location in Lake Charles, Louisiana is still closed due to damage."We'll work with the local authorities. In certain markets there was a four mile evacuation order so we obviously work with them. In some cases we'll work with the local authorities to stay open a bit longer if certain law enforcement need to have fuel. We'll work out the last possible moment to make sure we stay safe," said Nordin. Often times, truck stops and gas stations have to follow evacuation orders during wildfires and hurricanes to keep their employees safe. Nordin says when they have to shut down, they try to get back up and running as soon as possible."We take great pride to stay open as long as we can and open as quickly as we can because we do recognize our role to take care of the first responders, take care of the trucking drivers that are trying to move things not only through the market to other markets but also for the local community, for those that live there," said Nordin.Wayne Cragg remembers being stranded at a truck stop while trying to deliver supplies to a wildfire in Oregon five years ago. "Unfortunately, it hit a big area on I-84 and that actually stopped me one night. It was the strangest thing because the fire kept going up and down the hills with the wind which they blocked us off on 84. I thought I was going to get by it because it was open before," said Cragg.Cragg and Pilot Flying J are thankful to all the truck drivers delivering supplies amid natural disasters this year. "Here we all are once again delivering to the places and the floods and hurricanes and fires. So, my hope is that the American public should just say we are always there when things happen," said Cragg.Bringing relief in an emergency, no matter the trek to get there. 3794

What happens when the pandemic and flu season collide? The situation has doctors concerned.“You could possibly have both and we don’t know how bad it will be if you have both,” said Dr. Richard Pan, a pediatrician and California state senator. “Many physicians and scientists are concerned because both of the viruses attack your lungs and heart.”California already had its first flu death this season and Pan is pleading with the public to get the flu shot this year.It's unknown how someone who had COVID-19 will react with the flu.“Even if they were asymptomatic, will the flu be a lot worse for somebody who already had COVID? Because of the damage COVID already did to the lungs and heart that perhaps the patient is not fully recovered from,” said Pan.The Centers for Disease Control and Prevention has ordered extra flu vaccines. They're widely available now and it's recommended you get one before the end of October.Normally, vaccine rates for the flu are around 40%. Pan says it should be double that.“If you have someone who is not vaccinated, then they're going to be much more likely to transmit that flu virus to the person that had COVID,” said Pan.Pan also says it's going to be difficult to figure out if you have the flu or COVID-19 or both, without testing.Make sure you isolate if you have any symptoms. You can spread both the flu and COVID-19 before you develop symptoms.It takes two weeks after the flu vaccine to develop antibodies.Some hope the U.S. flu season will be milder because of mask wearing, hand washing, and social distancing. Other counties have seen that. 1601

With a crowd of onlookers gathered around, New York Police officers encircle a woman and her child on the ground.One officer reaches down and begins to pull. The officer yanks harder, and harder, and the woman's cries become louder."You're hurting my son! You're hurting my son!" she yells.A tug of war ensues, and as noise from the horrified crowd builds, an officer brandishes a yellow stun gun and begins to point it around the room, a government welfare office in Brooklyn.The stunning and hectic scene, captured on video and posted to Facebook, ends with the woman in handcuffs escorted from the scene — and her 1-year-old son elsewhere. A family member took custody of the child following the arrest, the NYPD said.The forceful arrest of the unarmed mother at a social services office has caused a significant backlash, particularly from those who saw it as an unnecessarily violent escalation and a symbol of how the poor are treated in America."Being poor is not a crime. The actions of the NYPD in this video are appalling and contemptible," said Letitia James, the Public Advocate for New York City.Facing criticism, the NYPD and the New York City Human Resources Administration are now reviewing that December 7 arrest."Video images of the incident in the 84th precinct are troubling," the NYPD said in a statement, adding that the review will "include examination of all available video of the incident."Corey Johnson, the speaker of the New York City Council, said it was "unacceptable, appalling and heart breaking.""I'd like to understand what transpired and how these officers or the NYPD justifies this. It's hard to watch this video," he said on Twitter.On Facebook, James called for a full investigation into the officers' conduct and said the results should be made public. She also called for the officers involved, including their assigned supervisor, to be assigned to desk duty until an investigation is complete."No mother should have to experience the trauma and humiliation we all witnessed in this video," she said. 2056

WINDSOR, Ontario — Caesars Windsor Hotel and Casino is temporarily closed due to a labor dispute with a local union.According to the company's website, the closure is the result of a labor disruption. A message on the site says, "At this time, hotel reservations booked between Friday, April 6 until Thursday, April 12 have been canceled."The Unifor Local 444 Facebook page says there was a tentative deal in place as of April 3 but that fell through.On Thursday night, only 41 percent of union members voted in favor of the new deal, which caused the strike. The 444 handles everything from janitors and food/waitstaff to hotel clerks.The casino says that Friday’s Johnny Reid concert has been postponed. Ticketholders can use their tickets when the show is rescheduled, or get a refund. However, tickets purchased at the Caesars box office will not be refunded until it reopens following the labor dispute. Right now, the casino says all other shows are scheduled until further notice.It's not clear how long the employee strike will last. The last strike at the casino happened in April of 2004 and lasted about 40 days.The casino released this statement: 1166