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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

With COVID-19 cases surging across most of the country, teachers are weighing whether it’s safe for them to return to the classroom while at the same time, trying to make sure their students don’t slip through the cracks because of the virus.In a virtual town hall-style meeting, four educators from across the country gathered to share their thoughts, concerns and excitement about the upcoming school year. The overriding theme: parents and students will need to be flexible.“We’re going to ask you for grace for this entire year. We want to teach your children, but when we voice concerns it’s not because we’re lazy and we don’t want to work, it’s because we want to make sure our families are safe, too,” said Rachel Sandoval, an elementary school teacher in Colorado.Sandoval’s school was forced to close back in March because of COVID-19. She knows her students have lost out on valuable in-person learning time because of the virus, but she’s also worried that gathering students back in a classroom setting this coming fall could give the virus a perfect environment to spread in.“We can’t do the same thing we did last year. The world has changed. Everything has changed,” she said.Her concern was echoed by other teachers who joined the virtual town hall.Steph MacPhail teachers 5th grade in Minnesota. As a mom, she’s struggled to juggle a full-time teaching job, while at the same time, taking care of her two young boys.“I felt really burned out this spring from a teacher perspective and from a parent perspective,” she said.While McaPhail misses her students, she worries that COVID-19 cases will continue to surge if kids go back to school.“Kids and families want to go back to normal, but this is going to be anything but normal, and that’s scary,” she said.Across the country, many school districts are choosing to start the year virtually, which brings another set of challenges. Some kids don’t have adequate internet access or access to a computer that they can use to access online classes.“We need to make sure kids are still staying engaged while at the same time dealing with these environmental factors. For a lot of students in poverty-stricken areas, having the one interaction at school is so critically important,” said Dr. Kenyae Reese, who serves as a principal in Nashville, Tennessee.Dr. Reese’s district is one of those starting the school year entirely online. She’s asked her teachers to be flexible. In some instances, she says she’s talked to students who might be embarrassed to turn on their camera during a Zoom call because of the home they live in. Other students in her high school are taking care of younger siblings, all while trying to keep up with classwork.“We’re changing the landscape of a whole generation, what they know about school and how they interact with people,” Dr. Reese said.With all the uncertainty, though, every teacher still expressed joy and excitement about whatever the upcoming school year brings, including Phillip Starostka, who teaches elementary school in Arizona.“We are working as hard as possible and will do everything we can to make it seamless,” he said. 3145

When Hurricane Michael makes landfall today, it will hit Panama City, Florida, first. As a Category 4 storm, it will be the strongest storm to ever hit the city.How bad is it? In nearby Panama City Beach, a Waffle House actually closed. If you're familiar with the concept of the Waffle House index, you know the ever-reliable 24/7 chain deciding to board up means some serious stuff is going down.And yes, for those who aren't familiar with the area, Panama City and Panama City Beach are in fact two separate cities, the latter being home to the famous spring break beach destination. 594

While scientists work to come up with a safe and effective COVID-19 vaccine, doctors across the country are watching closely. Many are helping guide their patients in making an informed decision about getting a vaccine."This was indeed a surprise to see that there would vaccines available by the 1st of November. It’s clearly an aspirational goal, because we all would like to see a safe and effective COVID-19 vaccine as soon as possible, but I think testing vaccines to make sure they’re safe and effective is of paramount importance," said Dr. Bali Pulendran, a microbiology and immunology professor at Stanford University.Dr. Pulendran says the process of developing a vaccine involves numerous steps, and scientists are getting closer to the end. Still, it's hard to put an end date on the third and final phase of a vaccine trial. This last phase determines whether the vaccine actually works."The way in which you can assess whether a vaccine works is to see how many of these people acquire the disease or become infected with COVID at some period of time," explained Dr. Pulendran.Phase three divides the trial participants into two groups. One group is given the vaccine, and the other is given a placebo."And then, you calculate the efficacy based on those numbers. So, if there were 200 people affected in the placebo group but there were only 100 people who were infected in the vaccinated group, then the efficacy is 50 percent" said Dr. Pulendran.The third phase is hard to time, as it depends on how quickly some of the trial participants become infected. If they live in areas where COVID-19 infection rates are higher, the phase will be completed faster.But there are some other ways to speed up the vaccine trial.Dr. Darria Long, an emergency room physician and clinical assistant professor at the University of Tennessee-Erlanger, says one way is by doing two of the phases at the same time. Another way is if officials prepare for the manufacturing and logistics side of producing the vaccine during the third phase of the trial."This is what we see the CDC saying is to get ready on the manufacturing and logistics side because even if you come up with the perfect target drug, making sure you can manufacture hundreds of millions and that you have the little glass vials that can keep it at the right temperature, those are all things that can be hang-ups,” said Dr. Long. “So, they're wanting to expedite that process, because the last thing you want is to say is we have the vaccine, but we can’t get it to people.”Dr. Long is already answering her patients' questions as news of a possible COVID-19 vaccine continues to be publicized."I do think a lot of people are wondering about this vaccine and it runs the gamut. There are those that say they really want the vaccine because they see it as this gateway to getting back to life as we know it," said Dr. Long.There are also those who are really concerned about the efficacy and safety of a COVID-19 vaccine. Doctors say a key piece in evaluating a vaccine when it does come out is the data surrounding it."The data that comes out in the public domain: is a particular vaccine efficacious? How effective is it what is the efficacy data? Is a particular vaccine safe? What are the side reactions? And they should talk with their physicians to ask each question. Ask doctors, ‘Could you tell me what the safety part of this vaccine is?" recommended Dr. Pulendran.And above all, doctors and scientists hope politics will stay out of the development of a COVID-19 vaccine in order to ease any concerns or hopes for a vaccine to be available as soon as possible. 3644

With most Kindergarten through grade 12 schools starting in less than a month, many parents are trying to figure out what is best for their family when given the option between in-person or virtual learning?What about preschool for 3 to 5-year-olds who were looking forward to in-person learning this fall?For parents who believe it’s safer to keep their child home, there are ways to get them learning beyond the A, B, C’s.“With our younger children we know they really thrive in predictability and routine and that is all gone right now,” said parenting expert Carly Dorogi.Preschool participation has fallen by half during the pandemic, according to the National Institute for Early Education Research. But that doesn’t mean kids can’t learn at home.Dorogi says children ages 3 to 5 can learn math using everyday items.“If I have five Cheerios on the table this is what five looks like and it’s a small amount compared to when I have ten Cheerios on the table,” Dorogi said.Playing with dolls or action figures can help language skills, forcing children to talk and put sentences together. Playtime is motor skills time.“Our little guys can actually improve their handwriting by playing with play dough or doing anything that’s a small motor that strengthens their hand muscles,” Dorogi said.If you want to introduce virtual learning, Dorogi suggests Osmo’s starter kit. It’s an app and hands-on play.If you’re looking for workbooks, check out Grand Haven-Based School Zone Publishing. They say their preschool-aged items have been selling more now due to the pandemic. And they have an app called Anywhere Teacher that has a curriculum to follow.Barbara Peacock is the managing director of School Zone Publishing.“What they need to learn first, then next and it’s a step by step program so it’s really nice to kind of tie the two together both print material, doing flashcards, working on worksheets and then putting them for 30-minutes a day on Anywhere Teacher and working with them,” she said.It is OK if your preschooler can’t sit still.“They need to move," Dorogi explained. "Sitting at a desk for even an hour is too much and I don’t want parents to feel like that’s the expectation. So, think about alternative seating. If your child learns best laying on the floor or sitting in a bean bag.”Dorogi suggests something as simple as a yoga ball on a milk crate that allows your fidgety child to focus.“That is truly how their brain works and when we allow them to move and interact and talk that’s when they are going to learn,” she said.This story was originally reported by Syma Chowdhry at WXYZ. 2615

来源：资阳报