When it comes to affording a new home, you have a few types of home loans to choose from. Prospective homebuyers often compare the FHA vs. the conventional loan when researching loans. Each loan type has certain stereotypes associated with them, but we are here to give you the facts about both FHA and conventional loans. This post will help you understand what each loan is, familiarize you with the differences between them, and provide some guidelines for how to pick which one is best for you.

What Is An FHA Loan?

An FHA loan is insured by the Federal Housing Administration (FHA). These loans are issued by private lenders, but lenders are protected from losses by the FHA if the homeowner fails to repay. FHA loans are generally used to refinance or buy a home.

What Is A Conventional Loan?

A conventional loan is supplied by a private … Read the rest

Google CEO Sundar Pichai will meet virtually with the presidents of five historically Black colleges and universities (HBCU) following racism and sexism allegations made by two former Black employees.

In December 2020, former Google AI researcher Timnit Gebru and former diversity recruiter April Curley both tweeted that they were fired from the tech giant after raising concerns about the lack of Black employees and how current Black employees were treated.

Curley, who was responsible for HBCU recruitment at Google, said her superiors believed HBCU computer science graduates didn’t have the skills to work there and undermined her efforts. However, Google maintains Gebru resigned and was not fired.

The departures from the company set off a firestorm in the industry and an HBCU recruiting firm terminated its partnership with Google as a result.

“We were not willing to stand by on this issue and let it go,” Florida A&M University president … Read the rest

The president plans to deliver 100 million vaccine doses in 100 days. The U.S. will ultimately need twice that amount to tame Covid-19.

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When you’re hustling, time is money and that money comes in coins, not bills. It’s why we made our Website Terminology Glossary for web pros. This free resource for designers, developers, marketers or anyone else makes it easier explaining technical stuff to clients. Rather than a lengthy back-and-forth, use this glossary of domains terminology that breaks it down in real terms.

Start getting time back, and put more of those coins in the bank.

Website Terminology Glossary: Domains, Vol. 1

If you don’t keep things simple, explaining domain names to clients can quickly turn into an epic saga sweeping through the entire internet and its infrastructure. We recommend using the analogy of navigating the streets of a brick-and-mortar city.

DNS

The domain name system (DNS) links everything on the internet. It translates the random numerals and dots used in networking (an IP address) into easier-to-type domain names. A domain name’s … Read the rest

We all have mini habits we do every day that go unnoticed. For example, brushing your teeth, making your bed, or paying your credit card bills. Even though they may seem small at first, these small habits could amount to way more than just reaching a simple goal. Making your bed could be the baseline to having a more productive day at work and earning you a raise, rather than just having a clean house. Establishing and building upon these mini habits may be the ultimate trick to making your lifestyle and budget goals a reality. This trick to the trade is called habit stacking.

Created by James Clear, a writer and a personal development keynote speaker, habit stacking is the act of using simple habits to reach big goals. James highlights how habit stacking can help you get one percent better every day without experiencing burnout or overexhaustion. … Read the rest

On the official last night of his presidency, former President Donald Trump, as anticipated, granted pardons to a total of 73 individuals and commuted the sentences of 70 others.

According to Complex, several notable figures were included in the list of people Trump has given a reprieve to, most notably, Dwayne Michael Carter Jr. who is better known as rapper Lil Wayne, and Bill K. Kapri, better known as rapper Kodak Black.

BLACK ENTERPRISE recently reported that some rappers may get pardons from Trump. It was no rumor or false news as Lil Wayne, who was recently arrested and faced prison time, and Kodak Black, who, just last week, had requested release and was turned down, were pardoned. Lil Wayne pleaded guilty to a 2019 gun charge last month and was facing significant prison time.

“A pardon for Mr. Carter is consistent with the views of many jurists—including Supreme … Read the rest

The maps application added this feature for its Spanish users.

Yep: Research shows you can sometimes be too smart for your own good.

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Daymon Hoag is the owner and operator of Buckeye Web Development, LLC, based in Kenton, Ohio. We caught up to him for a discussion ranging from his pride in the Buckeye State, to a love of ecommerce, to the power of believing in yourself.

The who:

Given a business name is so central to a brand, we tend to put a lot of importance on it. How did you arrive at a name, and how do you feel about it now that you’ve been in business a while?

I live in Ohio, the Buckeye State, so I wanted a name that reflects the region in which I do business. I also own Phone TV Internet, LLC which was too restrictive since it was telecom based. I needed an umbrella for which to place all of my web development projects under. In 2012 Buckeye Web Development, LLC was born.

I … Read the rest