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Cost varies. Based on loan term, amount and down payment. For purchase loans, the premium ranges from 0.45% to 1.05%, according to the FHA. 142

if they're hauling medical or emergency supplies.Truckers who aren't hauling those items, however, are starting to see a decline in business, similar to other industries dealing with the COVID-19 pandemic."I heard on the news that everything was shutting down, the truck drivers can't get any food, you can't get a shower at certain places because they are closing everything down," truck driver Dia Moore said. "But we're the ones out here delivering all the goods, and we can't be treated any better than this? That's not cool."Moore, who was traveling through Indiana during a haul, said she hasn't had any issues so far on her cross-country journey but has noticed more trucks parked at truck stops and fewer on the road."Nothing is moving," Moore said. "So if all the truck drivers just stop, the whole country is going to be stopped because you can't get anything in."Larisa Williams is an independent dispatcher. She's been in the trucking industry for nearly 20 years, and she's never seen anything like what coronavirus is doing to the country."I'd say if my trucking friends had gotten together and tried to make a map of what something like this would look like, we would've been dead wrong," Williams said. "We wouldn't have expected this."Williams said right now, a trucker's demand depends on what they are hauling, meaning drivers hauling goods like cars or lumber may be out of luck. A driver carrying essential household goods like food or toilet paper would get a different response."You're golden, I'll find you one," Williams said.This story was originally published by Cameron Ridle on 1609

Your phone can do so many things for you nowadays. From making payments at the cash register to searching social media, the world is in the palm of your hands. But Siri can also be on your side in case you get pulled over by the cops.The feature is called "Police" and it is available via the Siri Shortcuts app. It secretly allows you to record interactions with police by just speaking a command to Siri like, “Hey, Siri. I’m being pulled over by the police.”“I think it’s a tool that citizens need in order to make police accountable,” said retired Detroit police officer turned attorney, David A. Robinson.The new Siri shortcut is available for Apple iOS 12 devices. It allows you to secretly record conversations between you and law enforcement.“What we have seen are video captures of police officers losing it, irrationally starting confrontations with citizens,” Robinson said.Once the app receives a verbal command, it goes into "do not disturb" mode. It automatically turns down brightness, pauses sound or video and can send a message to a pre-selected contact, letting them know you’ve been pulled over.“Police go to an academy as to how to deal with citizens, and so to suggest that (the app) is manipulating an officer, that really doesn’t make sense,” Robinson said.He adds that the app would have been good to have during the 2016 confrontation between Philando Castile and a Minnesota police officer after Castile was shot by the cop. Castile's girlfriend recorded the whole thing as he died in the front passenger seat.“What was captured in the video, and so the video evidence becomes that more important,” Robinson said.Some say the app is controversial, but there are similar police-recording apps like "ACLU Blue." Robinson says law enforcement should use the app as a tool. “That would stifle his reaction to make him do the rational thing, the right thing, the legal thing, then that prevents harm to him and prevents harm to the citizen,” Robinson said.The ACLU says it is legal to record officers in public, and police are not allowed to delete your footage, confiscate or demand to view your video footage without a warrant. 2189

You've probably heard the story of 6-year-old Bridger Walker, the Wyoming boy who protected his sister from a dog attack. The social media post showing the boy’s scars went viral.Saturday, he was in Denver at IT’SUGAR Candy Store, where he got to go on a candy shopping spree with his siblings.Bridger is smiling for a big reason.“Because I like candy,” he said.The 6-year-old who saved his little sister from a dog attack a couple of weeks ago got a candy shopping spree at IT'SUGAR Candy Store in Denver. They are just the latest in a long line of people reaching out to thank him.“It's been surreal," his father, Robert Walker, said. "We never expected this to go viral the way it did. We were literally just hoping for a postcard or a letter or a shout out to boost our little boy's spirits.”Actor Chris Evans promised him a Captain America shield. Fellow Avengers, Tom Holland, and Robert Downey, Jr., reached out, wanting to reward a little, real-life hero.“He's always been protective of his little girl. She's always been his little princess, and she gets annoyed sometimes that he won't leave her alone. So, it didn't surprise us at all that he would jump in the way he did,” his father added.Bridger has received gifts of support from all over the world, but his parents say the attention hasn't gone to his head.The sugar rush may be the latest chapter for this little hero. One, the family is so thankful for.“The world's a good place, and that there are hundreds and thousands and millions of wonderful people in this world,” Robert Walker said.Bridger and his siblings can all share this experience together.“We're close, and this experience has definitely made us closer,” Robert Walker added.KMGH's Sean Towle first reported this story. 1760

has rattled Nassly Sales and her family.The Jersey City mom had ordered two boxes of diapers from Amazon as she does every month for her two daughters, purchasing the items from the site’s “Amazon Warehouse” section, where open-box and returned items are sold at a discounted rate.When the package arrived this week, she said nothing could’ve prepared her for what she says she found inside.“I picked up the diapers and it was a little bit heavy, I was half asleep the lights were off,” she explained. “At that point, I turn on the light and that’s when I noticed these diapers are neatly-folded and they are soiled.The shocking discovery prompted the mom to immediately disinfect her nursery, even wiping down her 19-month-old daughter with rubbing alcohol.The child, a micro preemie, was born 26 weeks premature, weighing a little over a pound, making her immune system compromised. According to Sales, the baby was just inches away from what she believed was a health hazard.Speaking to an Amazon customer service representative later that evening didn’t exactly put the family at ease.“They were like ‘OK sorry for your inconvenience, we will give you a refund. You’re more than welcome to keep the stuff, you don’t need to return it,’” Sid Mukherje, the children’s father, told WPIX.“And my thought was "Wow, you are not understanding what I’m saying.”While the family has not officially sent the substance to be tested, they say it bears a strong resemblance and odor to fecal material.What they want now is a better explanation from Amazon about the mishap.According to their website, the company inspects and certifies all open-box products before re-selling them, something Sales says obviously did not happen.In a statement to WPIX, an Amazon spokesperson said, "We work hard to provide customers with a great experience and deeply regret that this situation did not live up to our high standards. We worked directly with the customer to address this situation.” 1974

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