 On WTLP, of course, we bring you money news. At 10 and 40 past each hour, Jeff Claybaugh with us this morning. More than one in four mortgage applications last week were for FHA and VA loans, which carry lower down payment requirements. Samsung is launching a health monitor called The Ring. You wear it on your finger, it monitors sleep, heart rate, exercise, and even menstrual cycles. Starbucks is opening its Union Station store two years after it closed one, citing crime.