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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 we're all focused on COVID-19 as we head back to school this fall, Patti Wukovits is focusing on Meningitis B.“She loved to entertain and make people laugh. She enjoyed life. When I think of Kim the one word that comes to mind is joy,” said Wukovits. It's still painful for Wukovits to talk about her only daughter. Kimberly Coffey was a high school senior who was in her last two weeks of school. She'd been accepted to nursing school and was ready to launch her career. She wanted to follow in her mom's footsteps and be a nurse. One day she came home from school with a fever.“By the next morning she wasn’t fine at all. She said 'mommy everything hurts from my eyelashes to my toes.' This is really, really bad. She couldn’t pull her head off the pillow and was completely lethargic,” Wukovits recounted. Kimberly told her mom that it felt like her ankles were bleeding. Patti saw purple dots and rushed her daughter to the emergency room. “One of the doctors pulled me aside and said 'we believe your daughter had bacterial meningitis.' I said 'That’s not possible. I made sure Kim was vaccinated with the meningitis vaccine.'”She learned that Kim wasn't fully protected. "At the time, in 2012, when she got sick we didn’t have a Meningitis B vaccine in the United States so I couldn’t protect her with that. She didn’t have the privilege of having a Meningitis B vaccine."Doctor Paul Offit, Professor of Pediatrics at Children's Hospital of Philadelphia says it's a vaccine that's necessary and reduces your chances of the type of pain, loss and suffering that Patti lives with everyday.“There’s five different strains that causes these, one vaccine prevents 4 of them: a, c, w, y and then there’s a b category, so 5- A, c, y,w and b. A few of the vaccines just do a c w and y and couple just do b, so 2 vaccines to prevent all 5 strains,” said Dr. Offit. Wukovits says, "her organs were failing and she was in septic shock and she went into cardiac arrest this is a child who was just in her classroom the day before talking with her friends about prom and how her beautiful dress was on her closet door and excited about graduation and starting nursing school.”Out of Kimberly's tragedy - came the Kimberly Coffey Foundation and the Meningitis B Action Project. “I am promoting awareness of her story so that this does not happen to anyone else. It does not have to happen any longer, we have a vaccine and it should not be happening. We shouldn’t lose one more child. But again, if parents don’t know about it we might not know to ask about it,” Wukovits said.Even in the COVID-19 era, Wukovits is doing webinars, educating everyone about the two separate vaccines, and empowering parents and families to have the conversation before they head back to school this fall. “I know we’re making a difference I know that. Kimberly’s dream was to be a pediatric nurse and save children’s lives and this is not how she or I planned she would save children’s lives but she still is and through me. I’m her voice.”A powerful message from a mom on a mission to save lives, just like Kim would have wanted. 3118

With California hospitals dealing with an extreme number of patients, nurses are terrified of what’s next.It comes as California hits 2 million infections just 44 days after reaching 1 million. Hospitals in California have been pushed to the brink, and it’s expected to get worse as people travel and gather for Christmas and New Year’s.The state is urgently searching for 3,000 temporary medical workers to meet the demand, focusing on nurses trained in critical care. Hospitals are also confronting the shortage by trying to free up staff any way they can, including postponing certain medical procedures.The state has also temporarily loosened some restrictions. Typically, California requires one nurse for every two ICU patients. Regulators have temporarily relaxed that requirement to one nurse for every three ICU patients.The state has sent more than 600 temporary healthcare workers to hard-hit counties from the National Guard, the California Health Corps, and other partnerships, but officials are still looking for more.State officials have even started reaching out to other countries like Australia and Taiwan to get much-needed medical workers.Elected leaders and health officials across the U.S. are asking people to stay home for the holidays while also trying to show the public that the COVID-19 vaccines trickling out to health care workers and nursing home residents are safe.The Associated Press contributed to this report. 1453
With Election Day right around the corner, Mattel has unveiled their latest addition to its "Inspiring Women" series - Susan B. Anthony.The toy company said that it wanted to honor Anthony for her "pioneering efforts and far-reaching impact" in the fight for women having the right to vote."On November 5, 1872, while protesting and leading the charge for women's voting rights, Susan B. Anthony made a defiant move," Mattel said on its website. "She voted in the presidential election and was arrested at her home in Rochester, NY."Because Anthony helped pave the way, the 19th Amendment was passed in 1920, which gave women everywhere the right to vote.Last week, the National Susan B. Anthony Museum and House unveiled the doll inside Anthony's home.In a press release, Deborah L. Hughes, President & CEO of the Anthony Museum, said they were delighted to hear from Mattel's design team about constructing a doll that would reflect "Susan B. Anthony's life and work."The doll's launch in 2020 makes it extra unique since it marks the 100th anniversary of the 19th Amendment passing, Anthony's 200th birthday, and the museum's 75th anniversary.The doll comes dressed in a floor-length black and lace dress, accented with glasses, and a lace collar fastened with a cameo brooch.The doll is available for a limited time only and sells for .99 on Mattel's website. 1378
While experts are encouraged by early vaccine data, many still say there is a way to go before life returns to normalcy."Operation Warp Speed," is a Trump administration effort to develop and deliver a safe and effective COVID-19 in the coming months. The administration's goal is to make initial doses available by January 2021.The vaccine will initially be rationed while drugmakers produce more doses. Healthcare workers, people in nursing homes, first responders and those with high-risk health conditions will likely be the first people eligible to receive the vaccine. According to Dr. Anthony Fauci, the director of the National Insitute for Allergies and Infectious Diseases, the rest of the general population won't be able to receive the vaccine until later in 2021.Pfizer and Moderna have both announced that their vaccines are on track for potential emergency authorization from the Food and Drug Administration. But there are several other candidates that could also get approval soon — and could potentially overtake the market.Both Pfizer's and Moderna's vaccine candidates require two shots, which need to be taken 28 days apart. But health experts believe that if a single-dose vaccine gets approval, it could quickly become the standard for worldwide vaccination."So, if you can get a vaccine out there that actually requires only one dose, it could quickly overtake the market," said Dr. Marcus Schabacker the President & CEO, of Emergency Care Research Institute.Health experts are also encouraged that there are several vaccine candidates in the final stages of testing — they believe that more potential vaccines reduce safety risks."We have a lot of people in the world. We need to vaccinate in different countries under different criteria, and you always run the risk that there's something in the Pfizer vaccine that someone's allergic to that isn't in the Madonna vaccine," said Dr. Jill Roberts, an associated professor as USF Health.One question that hasn't yet been answered is how the vaccines will stand up to the newly infected."So if you're turning positive today, we know you are exposed to somebody that had COVID, and we vaccinate you today — will that actually prevent you from developing severe disease?" Roberts said.Merck is another U.S. based pharmaceutical company that is working on a single-dose COVID-19 vaccine. That vaccine is currently in early testing overseas. 2422
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