中山老人大便出血是怎么回事(中山痔疮一般要多少钱) (今日更新中)

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The race to develop a viable COVID-19 vaccine is creating opportunities for cyber attackers.“Nation states or certain organizations are targeting vaccine researchers and overwhelmingly the vectors that we're seeing are still email-based, so that that continues to be the biggest concern,” said

The Phoenix Police Department says the ex-boyfriend of Kiera Bergman, a 19-year-old woman who has been missing since August 4, has been arrested for identity theft.Police say 23-year-old Jon Clark was being questioned in relation to Bergman’s disappearance when police found several items with the personal identification of other people as well as items indicating forgery in his vehicle.Clark was arrested Friday and booked into jail for 22 counts of aggravated identity theft and two counts of forgery.Police have given no indication that this arrest connects Clark to Bergman’s missing person’s case.Bergman was last seen at her home near on Aug. 4.According to police, Bergman never returned home after leaving and has not been seen or heard from since.Kiersten Bragg, Bergman's mother, says her daughter went to work that Saturday morning, and Clark picked her up but she never made it back to their apartment.Police still say her disappearance is considered suspicious, and they are still asking anyone with any information on her disappearance to call 480-WITNESS. 1085

The Navy has modified their SEAL ethos and creed to remove “man” and “brotherhood” to include gender-neutral language, according to military officials. In response, President Donald Trump tweeted he would “overturn” the changes."The previous versions of the SEAL Ethos and SWCC Creed were written prior to the law allowing women to serve as operators in Naval Special Warfare," Lt. Cmdr. Matthew Stroup, a spokesman for Naval Special Warfare Command, told Military.com.The changes were first reported by the American Military News on Monday. Thursday afternoon, President Trump responded on Twitter to a Conservative outlet who had tweeted a link to the story saying “I will be overturning this ridiculous order immediately!” 733

The only way this stops is if people rise up. You get what you accept. #FreedomMatters #StepUp https://t.co/8QKBszgKTM— Scott W. Atlas (@SWAtlasHoover) November 15, 2020 177

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