吉林做包皮包茎一般需多少钱(吉林治疗阳痿一般要费用多少) (今日更新中)

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

White House press secretary Sarah Sanders privately berated the White House communications and press staff Friday after a leak the previous day of comments by aide Kelly Sadler about Sen. John McCain, according to several sources familiar with the meeting.In discussing McCain's opposition to CIA nominee Gina Haspel, Sadler,?a special assistant who handles surrogate communications for the White House, said in a private meeting Thursday that it doesn't matter "because he's dying anyway." It was a joke that fell flat, a White House official told CNN. 571

When it comes to free food, demand is up and donations are down.To help feed the hungry, volunteers have turned a school parking lot into a pantry.“That’s what's important,” said Maria Estrada with the Wyatt Academy, a charter school in Denver, Colorado.Once a week, her teams passes out free bags of food to families and to people like Marco Esparza.“I’m getting some apples and potatoes,” he said.For Esparza, these donations more than just feed his family.“With this kind of pandemic, it helps us to stay safe at home."Since COVID-19 hit, Estrada says more people are requesting food donations across the country while volunteers adjust to the new norm and practice new safety guidelines.“Things are different,” Estrada said about food donation centers. “We now have to make sure everybody is wearing gloves. We want to make sure everybody is being safe. Everybody has their masks on. We’re trying to keep everybody social distanced.”Estrada says the COVID-19 crisis is creating somewhat of a national food shortage crisis. That’s why they’re now partnering with the YMCA.“When COVID hit, YMCAs across the country started to support food programming,” said Katie Canfield with the YMCA.Nationwide, the YMCA has provided 37 million meals to more than one million people in the last six months. That’s an increase of more than 25% since the same time last year as they now deal with new safety regulations.“We are making sure that our community is using hand sanitizer,” Canfield said. “We are currently handling the food and then we hand them the bag when its complete.”Moving forward, the YMCA hopes to go mobile and bring food straight to people’s houses.But for now, they’ll focus on helping feed people in person. 1727

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

While there are still questions about whether trick-or-treating will happen in 2020 and how neighborhoods will make it possible, there is no question Americans like their Halloween candy.Sales of Halloween candy and chocolate at grocery stores are up 17 percent over 2019 so far this season, according to the National Confectioners Association. Total sales, including online purchases, is up 13 percent year-over-year.The National Confectioners Association, NCA, represents manufacturers and suppliers of sweet treats, gum, mints and chocolates.Their research showed chocolate is driving the increase. Halloween chocolate sales are up 25 percent over 2019 so far. The NCA released data over the summer showing chocolate was the treat of choice of Americans during the pandemic, with sales increasing five percent March through August over the same time period in 2019. Sales of premium chocolate during that time was up 12 percent year-over-year. Ferrara Candy, which makes Sweetarts, Nerds, Brach’s Candy Corn, Gobstoppers and more, said Halloween sales bring in about .5 billion in sales. In an interview with Axios, CEO Todd Siwak said their company learned a lot from the drop in sales for Easter. This was also the time many stores were closing because of lockdowns to stop the spread of the coronavirus. Even as shopping has picked up a little, they have made some changes.“As the frequency in-store is reduced by the shopper, so fewer trips but bigger baskets, we wanted to make sure we were there presenting the opportunity to consumers,” Siwak said. He added Ferrara Candy created more individually-wrapped confections and got product to stores earlier to extend the selling season.There are still about three weeks until Halloween, and the industry expects sales to increase. Siwak says about 60 percent of the sales for Halloween candy happen in the last few weeks before the holiday.The NCA data also suggested Americans are getting more excited for Halloween in 2020. They found 80 percent believe they will find creative and safe ways to celebrate this year. The response was just 63 percent in July. 2125

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