中山大便疼痛带血(中山痔疮的临床表现) (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 International Olympics Committee has officially awarded two cities with hosting summer Olympic Games — Paris in 2024 and Los Angeles in 2028.The announcement was published after an IOC meeting in Lima, Peru, where the decision was expected.  263

The Philadelphia Police Department has released officer-worn body camera footage and 911 calls from an October shooting that led to the death of Walter Wallace, Jr.ABC News reports that the release maks the first time in the department's history that it has released body camera footage.Wallace was shot and killed by police on Oct. 26. Police at the time said they were responding to reports of a man with a weapon and that Wallace did not respond to orders to drop a knife he was holding.According to WPVI-TV, Philadelphia police received three 911 calls regarding the incident. The first came from a neighbor who reported that a fight next door. The other two calls came from family members, who asked for help in dealing with Wallace.Bodycam footage from the incident shows officers Wallace leaving a house and walking toward the street holding a knife. Police repeatedly yelled at Wallace to drop his knife and ask others in the area to back away.Despite repeated warnings to drop his weapon, the video shows Wallace circling a parked car and walking toward officers. Police fired 14 shots toward Wallace, though the department has not confirmed how many of those shots struck Wallace.Wallace was later transported to a local hospital where he was pronounced dead.According to WPVI, officers are the scene were not armed with less-lethal weapons, like stun guns. Police Commissioner Danielle Outlaw said Wednesday that the department has sought funding to equip more officers with stun guns.Wallace's death sparked a few days of protests in Philadelphia. Police say that 30 police officers suffered minor injuries during the demonstrations. 1653

The night sky will come alive this weekend when a green comet streaks by Earth on the heels of the Geminid meteor shower's display of green fireballs.Comet 46P/Wirtanen began brightening in November, but it will make its closest approach to Earth on Sunday and be visible with the naked eye. The comet will come within 7 million miles of Earth -- a proximity that won't happen again for 20 years. That's 30 times the moon's distance from us.The comet should be brightest on December 16, as bright as the star in the constellation of the Little Dipper's handle, according to NASA. But even now, it's currently the brightest comet in the night sky, and the brightest of 2018. 681

The holiday season leads the mad dash to the end of the year for businesses, but this year’s dash may look entirely different because of the pandemic.“Especially the grassroots efforts, connecting with them face-to-face. Unfortunately, right now, we can’t do that. So, we need to be thinking about now, ‘How can we get in front of people more frequently?’” said Lacey Book, a business consultant specializing in helping small businesses succeed. “Essentially, we need to get in front of people and cut through the noise of everything else.”In these challenging times, she offered specific tips for navigating through December.Among her ideas:Make sure your business has a web presence that is easy to navigate. It's critical to reaching customers, who are now mostly shopping online.Reach out to repeat customers you’ve had over the months and years through email and social media.Create connections with other businesses by collaborating on marketing and see how you can help them. Being benevolent, she said, goes a long way.Discounts help as well“I think it would really be important to look at, ‘Where in my business can I offer maybe a discount or extend the opportunity for people to buy something at a lower price point?’” Book said. “Because people are also price shopping, where in the past, people were really able to find money for the things that they really wanted. But now, what they’re doing is spending money on what they actually need.”While these tips are aimed at helping businesses get through the pandemic, Lacey Book said it is likely some of the advice will be relevant beyond that, because our shopping habits and expectations may have changed for the long haul. 1694

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